Sid - Sbi Multicap Fund

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Annexure A

SCHEME INFORMATION DOCUMENT

SECTION I

This product is suitable for Scheme Riskometer Benchmark Riskometer


investors who are seeking*:

• Long term wealth creation As per AMFI Tier I Benchmark


• Investment predominantly i.e. NIFTY 500 MULTICAP
in equity and equity related 50:25:25 TRI
securities across market
capitalisation.

The benchmark riskometer is at


very high risk

*Investors should consult their financial advisers if in doubt about whether the product is suitable for
them.
Continuous offer for Units at NAV based prices

Mutual Fund Trustee Company Asset Management Company


SBI Mutual Fund SBI Mutual Fund Trustee SBI Funds Management Limited
Company Private Limited ('AMC')
('Trustee Company') (A joint venture between SBI and
CIN: AMUNDI)
U65991MH2003PTC138496 CIN: U65990MH1992PLC065289
Corporate Office Registered Office: Registered Office:
9th Floor, Crescenzo, C– 9th Floor, Crescenzo, C– 38 & 9th Floor, Crescenzo, C– 38 & 39, G
38 & 39, G Block, Bandra- 39, G Block, Bandra-Kurla, Block, Bandra-Kurla, Complex,
Kurla, Complex, Bandra Complex, Bandra (East), Bandra (East), Mumbai- 400 051
(East), Mumbai- 400 051 Mumbai- 400 051
www.sbimf.com

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The particulars of the Scheme have been prepared in accordance with the Securities and
Exchange Board of India (Mutual Funds) Regulations 1996, (herein after referred to as SEBI(MF)
Regulations) as amended till date and circulars issued thereunder filed with SEBI, along with
a Due Diligence Certificate from the AMC. The units being offered for public subscription have not
been approved or recommended by SEBI nor has SEBI certified the accuracy or adequacy of the
Scheme Information Document.
The Scheme Information Document sets forth concisely the information about the scheme that a
prospective investor ought to know before investing. Before investing, investors should also ascertain
about any further changes to this Scheme Information Document after the date of this Document from
the Mutual Fund / Investor Service Centres / Website / Distributors or Brokers.

The investors are advised to refer to the Statement of Additional Information (SAI) for
details of SBI Mutual Fund, Standard Risk Factors, Special Considerations, Tax and Legal issues
and general information on www.sbimf.com

SAI is incorporated by reference (is legally a part of the Scheme Information Document). For a
free copy of the current SAI, please contact your nearest Investor Service Centre or log on to
our website.

The Scheme Information Document (Section I and II) should be read in conjunction with the
SAI and not in isolation.

This Scheme Information Document is dated June 26, 2024.

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Part I. HIGHLIGHTS/SUMMARY OF THE SCHEME

Sr. No. Title Description

I. Name of the scheme SBI Multicap Fund

II. Category of the Scheme Equity - Multicap Fund

III. Scheme type An open ended equity scheme investing across large cap, mid cap, small
cap stocks
IV. Scheme code SBIM/O/E/MCF/21/11/0144

V. Investment objective To provide investors with opportunities for long term growth in capital
from a diversified portfolio of equity and equity related instruments
across market capitalization.

However, there can be no assurance that the investment objective of the


Scheme will be realized.
VI. Liquidity/listing details The scheme being offered is an open-ended scheme. The scheme would
provide redemption / switch facility to investor on every business day at
applicable NAV subject to prevailing exit load.
VII. Benchmark (Total Return NIFTY 500 MULTICAP 50:25:25 TRI
Index)
The composition of the aforesaid benchmark is such that it is most
suited for comparing performance of the scheme. The Trustee reserves
the right to change the benchmark if due to a change in market
conditions, a different index /indices appears to provide a more
appropriate basis for comparison of fund performance.
VIII. NAV disclosure 11.00 p.m. on same business day -

10:00 a.m. on following business day – In case the scheme invests in


foreign securities.

Further Details in Section II.


IX. Applicable timelines Timeline for:

•Dispatch of redemption proceeds - 3 working days from the date


of redemption or repurchase (under normal circumstances)

Further, in exceptional situations additional timelines in line


with AMFI letter no. AMFI/35P/MEM -COR/74/2022-23 dated
January 16, 2023 will be applicable for transfer of redemption
or repurchase proceeds to the unitholders.

Dispatch of IDCW (if applicable) - Within 7 working days from


the record date.

X. Plans and Options Both plans provide two options for investment – Growth Option and
Plans/Options and sub Income Distribution cum capital withdrawal (IDCW) Option. Under the
options under the Scheme IDCW option, facility for Payout of Income Distribution cum capital
withdrawal option (IDCW Payout), Reinvestment of Income

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Distribution cum capital withdrawal option (IDCW Re-investment) &
Transfer of Income Distribution cum capital withdrawal plan (IDCW
Transfer) is available. Between “Growth” or “IDCW ” option, the
default will be treated as “Growth”. In “IDCW” option between “IDCW
Payout” or “IDCW Reinvestment” or “IDCW Transfer”, the default will
be treated as “IDCW Reinvestment”.

For detailed disclosure on default plans and options, kindly refer SAI
and section II of the SID.
XI. Load Structure Exit Load:
• NIL - If units purchased or switched in from another scheme of
the Fund are redeemed or switched out upto 10% of the units
(the limit) purchased or switched on or before 1 year from the
date of allotment.

• 1% of the applicable NAV - If units purchased or switched in from


another scheme of the Fund are redeemed or switched out in
excess of the limit on or before 1 year from the date of allotment.

• NIL - If units purchased or switched in from another scheme of


the Fund are redeemed or switched out after 1 year from the date
of allotment.

The AMC reserves the right to modify / change the load structure
on a prospective basis.

XII. Minimum Application • During NFO: NA


Amount/switch in • On continuous basis: Rs 5,000/- and in multiples of Re. 1/-
thereafter.

Note – For investments made by designated employees of SBI


Funds Management Limited in line with paragraph 6.10 of the SEBI
Master Circular for Mutual Funds dated May 19, 2023, requirement
for minimum application/ redemption amount will not be applicable.

XIII. Minimum Additional Rs. 1000/- and in multiples of Re. 1/- thereafter
Purchase Amount
XIV. Minimum Rs.500/- or 1 Unit or account balance, whichever is lower.
Redemption/switch out
amount Note – For investments made by designated employees of SBI
Funds Management Limited in line with paragraph 6.10 of the SEBI
Master Circular for Mutual Funds dated May 19, 2023, requirement
for minimum application/ redemption amount will not be applicable.
XV. New Fund Offer Period NFO opens on: NA
This is the period during NFO closes on: NA
which a new scheme sells
its units to the investors. This is not New Fund Offer Period and the units are available for
continuous subscription and redemption at NAV based prices

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XVI. New Fund Offer Price: NA
This is the price per unit
that the investors have to
pay to invest during the
NFO.

XVII. Segregated portfolio/side


pocketing disclosure The Scheme may undertake segregated portfolio. For details refer SAI

XVIII Swing pricing disclosure The Scheme does not undertake swing pricing.

XIX. Stock lending/short selling Yes, the Scheme may engage in stock lending. For details refer SAI

XX. How to Apply and other Investors are advised to refer SAI & application form for instructions.
details Please note that Applications complete in all respects together with
necessary remittance may be submitted at any OPAT of SBIMF. The
application amount in cheque shall be payable to “SBI Multicap Fund”.
The Cheques should be payable at the Centre where the application is
lodged. No outstation cheques or stock invests will be accepted.

Investors are requested to note that application form is available with


Investor Service Centres(ISCs)/Official Points of Acceptance (OPAs) of
SBI Mutual Fund or can be downloaded from
https://www.sbimf.com/forms. The list of the Investor Service Centres
(ISCs)/Official Points of Acceptance (OPAs) is also available on
https://www.sbimf.com/contact-us.

For details kindly refer section II.


XXI. Investor services Details of Investor Relations Officer of the AMC:
Name: Mr. C A Santosh
Address: SBI Funds Management Ltd.,
Investor Relations Officer)
Address: 9th Floor, Crescenzo, C– 38 & 39,
G Block, Bandra-Kurla, Complex, Bandra (East),
Mumbai- 400 051

Telephone number: 022 61793537


e-mail: customer.delight@sbimf.com

XXII Specific attribute of the NA


scheme (such as lock in,
duration in case of target
maturity scheme/close
ended schemes) (as
applicable)
XXIV Special product/facility The Scheme offers following facilities on an ongoing basis:
available during the NFO
and on ongoing basis (i) Systematic Investment Plan

For investors, the fund offers a Systematic Investment Plan (SIP) at all
our Official point of acceptance of SBI MF’s locations. Under this
Facility, an investor can invest a fixed amount per frequency. This

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facility will help the investor to average out their cost of investment over
a period of six months or one year and thus overcome the short-term
fluctuations in the market.

The Scheme offers daily, weekly, Monthly, Quarterly, Semi-Annual &


Annual Systematic Investment Plan.

(ii) Systematic Withdrawal Plan

Under SWP, a minimum amount of Rs. 500/- can be withdrawn every


month or quarter or weekly or half yearly or on an annual basis by
indicating in the application form or by issuing advance instructions to
the Registrar at any time. The Scheme offers Day based and Date
based SWP.

(iii) Systematic Transfer Plan

Systematic Transfer Plan is a combination of systematic withdrawal


from one scheme and systematic investment into another scheme.
Therefore the minimum amount of withdrawals applicable under SWP
would be applicable to STP also. Similarly the minimum investments
applicable for each scheme under SIP would be applicable to STP.

For further details of special products / facilities, kindly refer SAI and
section II of the SID.
XXV. Weblink
Please refer to our website for the following:

TER for last 6 months/ Daily TER:

Please refer https://www.sbimf.com/total-expense-ratio-of-mutual-


fund-schemes

Scheme factsheet:
Please refer https://www.sbimf.com/factsheets

DUE DILIGENCE BY THE ASSET MANAGEMENT COMPANY

It is confirmed that:

(i) The Scheme Information Document submitted to SEBI is in accordance with the SEBI (Mutual
Funds) Regulations, 1996 and the guidelines and directives issued by SEBI from time to time.
(ii) All legal requirements connected with the launching of the Scheme as also the guidelines,
instructions, etc., issued by the Government and any other competent authority in this behalf,
have been duly complied with.
(iii) The disclosures made in the Scheme Information Document are true, fair and adequate to enable
the investors to make a well informed decision regarding investment in the Scheme.
(iv) The intermediaries named in the Scheme Information Document and Statement of Additional
Information are registered with SEBI and their registration is valid, as on date.
(v) The contents of the Scheme Information Document including figures, data, yields etc. have been
checked and are factually correct

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(vi) A confirmation that the AMC has complied with the compliance checklist applicable for Scheme
Information Documents and other than cited deviations/ that there are no deviations from the
regulations
(vii) Notwithstanding anything contained in this Scheme Information Document, the provisions of the
SEBI (Mutual Funds) Regulations, 1996 and the guidelines there under shall be applicable.
(viii) The Trustees have ensured that the SBI Multi Cap Fund approved by them is a new product
offered by SBI Mutual Fund and is not a minor modification of any existing scheme/fund/product.
– Not Applicable.

Date: June 26, 2024 Name: Shamsher Singh


Place: Mumbai Designation: Managing Director & CEO

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Part II. INFORMATION ABOUT THE SCHEME

A. HOW WILL THE SCHEME ALLOCATE ITS ASSETS?

The asset allocation pattern under normal circumstances would be as follows:

Indicative allocations
Instruments (% of total assets)

Minimum Maximum
Equity and Equity related instruments:
Minimum investment in equity &
equity related instruments (including
derivatives) – 75% of total assets
in the following manner:
• Large Cap Companies 25 50
• Mid Cap Companies 25 50
• Small Cap Companies 25 50
Debt securities (including securitized 0 25
debt^ & debt derivatives) and money
market instruments
Units issued by REITs and InvITs* 0 10
*The exposure will be in line with SEBI limits specified from time to time.

The scheme may seek invest opportunities in foreign securities including ADR/GDR/Foreign equity and
overseas ETFs and debt securities subject to Regulations. Such investment may not exceed 25% of the
net assets of the scheme. In line with paragraph 12.19 of the SEBI Master Circular for Mutual Funds dated
May 19, 2023, as may be amended from time to time, the Scheme may invest upto US $25 million in
Overseas securities and invest upto US $10 million in Overseas ETFs.

For details, please refer to ‘Investment in Foreign Securities’ section in this SID

^The scheme may invest in securitized debt upto 50% of the debt portfolio.
The cumulative gross exposure through equity, debt, derivative positions (including covered call options),
repo transactions in corporate debt securities, Real Estate Investment Trusts (REITs), Infrastructure
Investment Trusts ( InvITs) and such other securities / assets as may be permitted by the Board from time
to time should not exceed 100% of the net assets of the scheme.

Exposure to derivatives instruments (including writing covered call options) may be to the extent of 50%
of net assets as permitted by SEBI from time to time subject to prior approval by SEBI.
The Gross exposure of the Scheme to repo transactions in corporate debt securities shall not be more
than 10% of the net assets of the scheme or as permitted by SEBI from time to time.
The scheme shall make investment in Securities lending upto 20% of the total assets with maximum single
intermediary exposure restricted to 5% of the total assets or as permitted by SEBI from time to time.

The total exposure towards Credit Enhancement / structured obligations such as corporate / promoter
guarantee etc. shall not exceed 10% of debt portfolio of the Scheme and group exposure shall not exceed
5% of debt portfolio of the Scheme in accordance with Paragraph 12.24 of SEBI Master Circular for Mutual
funds.

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The Scheme shall not invest more than 10% of its NAV of the debt portfolio of the scheme in such
instruments having special features or as permitted by SEBI from time to time.

As per Paragraph 12.25.9 of Master Circular for mutual funds , the Scheme may indulge in ‘Imperfect
hedging’ using IRFs upto maximum of 20% of the net assets of the scheme

The scheme may invest in Mutual Fund units including ETFs to the extent of 25% of net assets. This
investment is subject to prevailing regulatory limits of aggregate inter-scheme investment made by all
schemes under the same management or in schemes under the management of any other asset
management company which shall not exceed 5% of the net asset value of the mutual fund.

The Investment Managers may at their discretion, alter the pattern of investment in keeping with the long-
term objectives of the scheme and in the interest of the investors provided such changes do not result in
a change in the fundamental attributes / investment profile of the scheme and are short term changes on
defensive consideration. If the exposure falls outside the above mentioned asset allocation pattern, the
portfolio to be rebalanced by AMC within 30 days from the date of said deviation.
The scheme will also review these investments from time to time and the Fund Manager may churn the
portfolio to the extent as considered beneficial to the investors.

It must be clearly understood that the percentages stated above are only indicative and not absolute and
that they can vary substantially depending upon the perception of the AMC, the intention being at all times
to seek to protect the interests of the Unit Holders.

There can be no assurance that the investment objective of the scheme will be achieved

Indicative Table (Actual instrument/percentages may vary subject to applicable SEBI circulars)

Sl. no Type of Instrument Percentage of exposure Circular references*


1. Securities Lending The Scheme shall adhere Regulation 44(4) of SEBI
to the following limits Mutual Fund Regulations
should it engage in Stock1996 read with Para 12.11
Lending. of the SEBI Master
Circular for Mutual Funds
1. Not more than 20% ofdated May 19, 2023
the net assets of the
Scheme can generally
be deployed in Stock
Lending.
2. Not more than 5% of
the net assets of the
Scheme can generally
be deployed in Stock
Lending to any single
counter party (as may
be applicable).

2. Derivatives instruments Upto 50% Para 12.25 of the SEBI


Master Circular for Mutual
Funds dated May 19, 2023
3. Securitized Debt Upto 50% Paragraph 12 of the SEBI
(of the Debt Portfolio) Master Circular for Mutual
Funds dated May 19, 2023

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4. Foreign securities including Upto 25% Paragraph 12.19 of the SEBI
ADR/GDR/ Foreign equity and Master Circular for Mutual
overseas ETFs and debt Funds dated May 19, 2023
securities
5 Units of Mutual Funds Scheme may invest in Clause 4 of Schedule 7
including ETFs another scheme under the read with Regulation
same asset management 44(1)
company or any other
mutual fund without
charging any fees,
provided that aggregate
inter-scheme investments
made by all schemes under
the same management or
in schemes under the
management of any other
asset management
company shall not exceed
Upto 25% of the net asset
value of the mutual fund
6 Repo in Corporate Debt Upto 10% Para 12.18.1.1 of the SEBI
(maximum single Master Circular for Mutual
intermediary exposure Funds
restricted to 5% of the
total assets)
7 Imperfect hedging Upto 20% Paragraph 12.25.9 of Master
Circular for mutual funds

Change in Asset Allocation:

The above investment pattern is indicative and may be changed by the Fund Manager for a short term
period on defensive considerations pursuant to Paragraph 1.14.1.2 of Master Circular for mutual funds
keeping in view market conditions, market opportunities, applicable SEBI (Mutual Funds) Regulations
1996, legislative amendments and other political and economic factors, the intention being at all times to
seek to protect the interests of the Unit Holders. In the event of any deviation from the asset allocation as
stated above, the Fund Manager shall review and rebalance the portfolio within 30 days from the date of
such deviation.

Portfolio Rebalancing:

Pursuant to Paragraph 2.9 of Master Circular for mutual funds in case the fund manager for any reason
is not able to rebalance the asset allocation due to passive breaches (occurrence of instances not arising
out of omission and commission of AMC) within 30 business days from the date of deviation , justification
in writing, including details of efforts taken to rebalance the portfolio shall be placed before Investment
Committee. The Investment Committee, if so desires, can extend the timelines up to sixty (60) business
days from the date of completion of mandated rebalancing period. Further, it will follow timelines for
rebalancing of portfolios of Mutual Fund Schemes, reporting & disclosure requirements in pursuant to the
Paragraph 2.9.4 of Master Circular for mutual funds. The funds raised under the scheme shall be invested
only in transferable securities as per Regulation 44(1), Schedule 7 of the SEBI (Mutual Funds)

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Regulations, 1996.

B. WHERE WILL THE SCHEME INVEST

The Scheme will invest in Equity and Equity related instruments, Debt securities (including securitized
debt) and money market instruments, Units issued by REITs and InvITs, Derivatives, foreign securities
including ADR/GDR/Foreign equity and overseas ETFs, Repo in Corporate Debt, securities lending,
Mutual Fund units including ETFs, Credit Enhancement / structured obligations such as corporate /
promoter guarantee.

Money Market instruments includes Commercial Paper, Commercial Bills, Certificates of Deposit,
Treasury Bills, Bills Rediscounting, Triparty Repo, Government securities having an unexpired maturity
of less than 1 year, alternate to Call or notice money, Usance Bills and any other such short-term
instruments as may be allowed under the Regulations prevailing from time to time.

A brief narration of Money Market Instruments is as under:

1. Certificate of Deposits (CDs) is a negotiable money market instrument issued by scheduled commercial
banks and select all- India Financial Institutions that have been permitted by the RBI to raise short term
resources.
2. Commercial Paper (CPs) is an unsecured negotiable money market instrument issued in the form of a
promissory note, generally issued by the corporates, primary dealers and all India Financial Institutions
as an alternative source of short term borrowings. They are issued at a discount to the face value as
may be determined by the issuer. CP is traded in secondary market and can be freely bought and sold
before maturity.
3. Treasury Bills (T-Bills) are issued by the Government of India to meet their short term borrowing
requirements. T-Bills are issued for maturities of 91 days, and 364 days. T-bills are issued at a discount
to their face value and redeemed at par.
4. Triparty Repo
5. Securities created and issued by the Central Governments as may be permitted by RBI, securities
guaranteed by the Central Governments (including but not limited to coupon bearing bonds, zero
coupon bonds and treasury bills). Central Government Securities are sovereign debt obligations of the
Government of India with zero-risk of default and issued on its behalf by RBI. They form part of
Government’s annual borrowing programme and are used to fund the fiscal deficit along with other short
term and long term requirements. Such securities could be fixed rate, fixed interest rate with put/call
option, zero coupon bond, floating rate bonds, capital indexed bonds, Fixed Interest security with
staggered maturity payment etc.

6. Investment in Foreign Securities:

In accordance with paragraph 12.19 of the SEBI Master Circular for Mutual Funds dated May 19, 2023
, the following conditions shall apply to the Scheme’s participation in the overseas investments. Please note that the investment
restrictions applicable to the Scheme’s participation in overseas investments will be as prescribed or varied by SEBI or by the
Trustees (subject to SEBI requirements) from time to time. The regulations pertaining to investment in ADRs/ GDRs/Foreign
Securities and Overseas ETFs by mutual funds have now been decided as under:

The aggregate ceiling for overseas investments is US $7 billion as per the above mentioned SEBI Circulars. Within the overall
limit of US $ 7 billion, mutual funds can make overseas investments subject to a maximum of US $1 billion per mutual fund.
Further, mutual funds can make investments in Overseas Exchange Traded Fund (ETFs) subject to a maximum of US $300
million per mutual fund, within the overall industry limit of US $ 1 billion.

Pursuant to with paragraph 12.19 and 12.19.1.1 of the SEBI Master Circular for Mutual Funds dated May 19, 2023 ,
the Scheme may invest in overseas securities / overseas ETFs as mentioned below.

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Investments in Investments in Overseas
Overseas Securities ETFs
(in USD mn) (in USD mn)
25 10

The Scheme may invest during the six months period post closure of NFO. Post completion of the
six months period, the relevant provisions of paragraph 12.19 and 12.19.1.1 of the SEBI Master Circular
for Mutual Funds dated May 19, 2023shall be applicable.

The permissible investments Mutual Funds can invest in:

• ADRs / GDRs / IDRs issued by Indian or foreign companies.


• Equity of overseas companies listed on recognized stock exchanges overseas
• Initial and follow on public offerings for listing at recognized stock exchanges overseas
• Foreign debt securities in the countries with fully convertible currencies, short term as well as
long term debt instruments with rating not below investment grade by accredited/registered
credit rating agencies
• Money market instruments rated not below investment grade
• Repos in the form of investment, where the counterparty is rated not below investment grade;
repos should not however, involve any borrowing of funds by mutual funds
• Government securities where the countries are rated not below investment grade
• Derivatives traded on recognized stock exchanges overseas only for hedging and portfolio
balancing with underlying as securities
• Short term deposits with banks overseas where the issuer is rated not below investment grade
• Units/securities issued by overseas mutual funds or unit trusts registered with overseas
regulators and investing in (a) aforesaid securities, (b) Real Estate Investment Trusts (REITs)
listed in recognized stock exchanges overseas or (c) unlisted overseas securities (not
exceeding 10% of their net assets).

The restriction on the investments in mutual fund units upto 5% of net assets and prohibits
charging of fees, shall not be applicable to investments in mutual funds in foreign countries made
in accordance with SEBI Guidelines. However, the management fees and other expenses charged
by the mutual fund in foreign countries along with the management fee and recurring expenses
charged to the domestic mutual fund scheme shall not exceed the total limits on expenses as
prescribed under Regulation 52(6). Where the scheme is investing only a part of the net assets in
the foreign mutual fund(s), the same principle shall be applicable for that part of investment.

The overseas securities markets offer new investment and portfolio diversification opportunities by enabling investments
in the overseas markets. However, such investments also entail additional risks. Such investment opportunities may be
pursued by the Mutual Fund provided they are considered appropriate in terms of the overall investment objectives of
the Scheme. The Scheme may then, if necessary, seek applicable permission from SEBI and RBI to invest abroad in
accordance with the investment objectives of the Scheme and in accordance with any guidelines issued by SEBI/RBI
from time to time. These investments shall be made subject to any/all approvals, conditions thereof as may be stipulated
by SEBI/RBI and provided such investments do not result in expenses to the Scheme in excess of the ceiling, if any, on
expenses prescribed by SEBI for offshore investment, and if no such ceiling is prescribed by SEBI, the expenses to the
Scheme shall be limited to the level which, in the opinion of the Trustee, is reasonable and consistent with costs and
expenses attendant to international investing.

The Fund Manager reserves the right to invest in such instruments and securities as may be
permitted from time to time and which are in line with the investment objective of the scheme.

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C. WHAT ARE THE INVESTMENT STRATEGIES?

The scheme will follow a bottom-up approach to stock-picking and choose companies across sectors The scheme
will invest in diversified portfolio of stocks across market capitalization. Large Cap Stocks – 1st -100th company
in terms of full market capitalization. Mid Cap:101st to 250th company in terms of full market capitalization. Small
Cap: 251st company onwards in terms of full market capitalization. The exposure across these stocks will be in line
with limits/classification defined by AMFI/SEBI from time to time

Derivative products are leveraged instruments and can provide disproportionate gains as well as
disproportionate losses to the investor. Execution of such strategies depends upon the ability of the fund
manager to identify such opportunities. Identification and execution of the strategies to be pursued by the fund
manager involve uncertainty and decision of fund manager may not always be profitable. No assurance can
be given that the fund manager will be able to identify or execute such strategies.

The risks associated with the use of derivatives are different from or possibly greater than, the risks associated
with investing directly in securities and other traditional investments.

For details of derivative strategies please refer SAI.

For details pertaining to Risk Controls Strategies refer Point no. C in section II of the Scheme Information
Document.

The scheme will predominantly be actively managed to achieve its investment objective.

Risk Controls Strategies:

For details pertaining to Risk Controls Strategies refer section II of the Scheme Information Document.

Portfolio turnover

The Portfolio Turnover is defined as the lower of the value of purchases or sales as a percentage of
the average corpus of the Scheme during a specified period of time. The Asset Management
Company does not have a policy statement on portfolio turnover. Generally, the Asset Management
Company's portfolio management style is conducive to a low portfolio turnover rate. However, given
the nature of the Scheme which follows a monthly cycle or rollover / positions the portfolio turnover
is expected to be high. Further, there are trading opportunities that present themselves from time to
time. These trading opportunities may be due to trading opportunities in equities, changes in interest
rate policy by the Reserve Bank of India, shifts in the yield curve, credit rating changes or any other
factors where in the opinion of the fund manager there is an opportunity to enhance the total return
of the portfolio. It will be the endeavour of the fund manager to keep portfolio turnover rates as low
as possible.

D. HOW WILL THE SCHEME BENCHMARK ITS PERFORMANCE?

The First Tier benchmark of the Scheme is NIFTY 500 MULTICAP 50:25:25 TRI.

The composition of the aforesaid benchmark is such that it is most suited for comparing performance
of the scheme. The Trustee reserve the right to change the benchmark if due to a change in market
conditions, a different index /indices appears to provide a more appropriate basis for comparison of

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fund performance.

E. WHO MANAGES THE SCHEME

Name, Designation Educational Experience


& tenure of Qualifications
managing the
scheme
Mr. Rama Iyer M.Com & MFM Experience of more than 30 years in equities. Prior to
Srinivasan joining SBI Funds Management Ltd., Srinivasan was
with Future Capital Holdings, the erstwhile asset
Age : 53 Years management and financial services entity of the
Future Group, where he headed ‘Public Markets’.
Prior to that, he has worked with several organizations
Tenure of managing including Principal PNB AMC, Imperial Investment
the scheme – 2.2 Advisors (associate of Oppenheimer & Co), Indosuez
years. Managing W. I. Carr Securities, Motilal Oswal Securities, Sunidhi
since March 2022. Consultancy and Capital Market Publishers.

Presently, Srinivasan is the Fund Manager for SBI


Equity Hybrid Fund (equity portion), SBI Magnum
Children's Benefit Fund - Savings Plan (equity
portion), SBI Focused Equity Fund, SBI Small Cap
Fund, SBI Tax Advantage Fund – Series I, II, & III
along with (Ms. Nidhi Chawla – Co-Fund Manager),
SBI Long Term Advantage Fund – Series IV along
with (Ms. Nidhi Chawla - Co-Fund Manager), SBI Long
Term Advantage Fund – Series V , SBI Long Term
Advantage Fund – Series VI, SBI Magnum Children's
Benefit Fund - Investment Plan (equity portion) , SBI
Flexicap Fund, SBI Magnum Global Fund, SBI Small
Cap Fund and SBI Multicap Fund.

Mr. Saurabh Pant B.Com, MBE, Mr. Saurabh has over 15 years experience in Indian
Age: 39 Years C.F.A (USA) capital markets in the capacity of research analyst.
He joined SBI Funds Management Ltd in May 2007
Tenure of managing as Research Analyst.
the Scheme: 0.2 years
He is currently managing SBI Large & Midcap Fund,
Managing Since: April SBI Multicap Fund, SBI Blue Chip Fund, and SBI
2024 Conservative Hybrid Fund (equity portion).
Mr. Pradeep Kesavan B.Com, MBA Mr. Pradeep Kesavan joined SBIFML in July
(Fund Manager) (Finance), 2021. He has over 18 years of experience in
CFA (USA) financial services sector.
(Dedicated Fund
Manager for Overseas
Prior to joining SBIFML, he was associated with
Investments)
following entities-:
Age - 44 years
• Elara Securities Private Limited (from
Tenure of managing September 2017 to April 2021) –
the scheme: 0.5 years
Managing Since:

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Name, Designation Educational Experience
& tenure of Qualifications
managing the
scheme
December 2023 Primarily involved in top down equity
strategy.
• Accenture Solutions Private Limited
(from October 2013 to August 2017) –
Responsible for Strategy Consulting.
• Morgan Stanley India Private Limited
(from March 2005 to September 2013) –
Primarily responsible for corporate
finance strategy.

He is the dedicated Fund Manager for managing


overseas investments of the Schemes of SBI
Mutual Fund which have a mandate to invest in
overseas securities and also managing SBI
International Access - US Equity FoF.

F. HOW IS THE SCHEME DIFFERENT FROM EXISTING SCHEMES OF THE MUTUAL


FUND

The investment objective of the scheme is to provide investors with opportunities for long term growth
in capital from a diversified portfolio of equity and equity related instruments across market
capitalization.
There is no assurance that the investment objective of the Scheme will be achieved.

Reference list of other existing open ended equity schemes are as follows:
Sr. no Name of Scheme Scheme Category
1 SBI Magnum Global Fund Thematic Fund
2 SBI Small Cap Fund Small Cap Fund
3 SBI Multi Cap Fund Multi Cap Fund
4 SBI Dividend Yield Fund Dividend Yield Fund
5 SBI Magnum Comma Fund Thematic Funds
6 SBI Contra Fund Contra Fund
7 SBI Focused Equity Fund Focused Fund
8 SBI Large & Midcap Fund Large & Mid Cap Fund
9 SBI Energy Opportunities Fund Thematic Fund
10 SBI Infrastructure Fund Sectoral Fund
11 SBI Magnum MidCap Fund Mid Cap Fund
12 SBI Technology Opportunities Fund Sectoral Fund
13 SBI Flexicap Fund Flexi Cap Fund
14 SBI Banking & Financial Services Fund Sectoral Fund
15 SBI Equity Minimum Variance Fund Thematic Funds
16 SBI PSU Fund Sectoral Funds
17 SBI BlueChip Fund Large Cap Fund

15
18 SBI Long Term Equity Fund ELSS
19 SBI ESG Exclusionary Strategy Fund Thematic Funds
20 SBI Consumption Opportunities Fund Thematic Funds
21 SBI Healthcare Opportunities Fund Sectoral Funds
22 SBI Automotive Opportunities Fund Sectoral Funds
For comparative details of other schemes of SBI Mutual Fund, please refer to our website
https://www.sbimf.com/offer-document-sid-kim

G. HOW HAS THE SCHEME PERFORMED

Compounded Annualised Scheme Returns % Benchmark Returns %


Returns Regular Plan – Growth (NIFTY 500 MULTICAP
50:25:25 TRI)
Returns for the last 1 year 31.19 42.18
Returns for the last 3 years N.A. N.A.
Returns for the last 5 years N.A. N.A.
Returns since inception 17.78 25.87

Date of inception: 08/03/2022

Financial Year Wise Performance:

Absolute Returns for each financial year for the last 5 years

Financial Year Wise Returns


60
50
40
Returns (%)

30
20
10
0
-10
FY 2023-24 FY 2022-23 FY 2021-22 FY 2020-21 FY 2019-20

SBI MultiCap Fund Scheme Benchmark: NIFTY 500 Multicap 50:25:25 TRI

H. ADDITIONAL SCHEME RELATED DISCLOSURES


i. Scheme’s portfolio holdings (top 10 holdings by issuer and fund allocation towards various
sectors) Please refer to our website - https://www.sbimf.com/sbimf-top-holdings/652
ii. Disclosure of name and exposure to Top 7 issuers, stocks, groups and sectors as a

16
percentage of NAV of the scheme in case of debt and equity ETFs/index funds:Not
Applicable
iii. Portfolio Disclosure - Fortnightly / Monthly/ Half Yearly Please refer to our website -
https://www.sbimf.com/portfolios
iv. Portfolio Turnover Rate as on May 31, 2024 – 0.4147
v. Aggregate investment in the Scheme by:

Sr. Category of Persons Net Value as on May 31, 2024 Market Value ( in Rs.) as on
No. May 31, 2024
1. Concerned scheme’s Fund Units NAV per unit
Manager(s)
1 Rama Iyer Srinivasan 1265609.126 14.7349 18648623.91
SBI Multicap Fund - Dir - Gr
2 Saurabh Pant 19999 14.7349 294683.2651
SBI Multicap Fund - Dir - Gr
3 Pradeep Kumar Kesavan 23,707.08 14.7349 3,49,321.38
SBI Multicap Fund - Dir - Gr

For any other disclosure w.r.t investments by key personnel and AMC directors including regulatory
provisions in this regard kindly refer SAI.

vi. Investments of AMC in the Scheme – Please refer to our website -


https://www.sbimf.com/offer-document-sid-kim

In accordance with Regulation 25(16A), the asset management company shall invest such amounts in
such schemes of the mutual fund, based on the risks associated with the schemes, as may be specified
by the Board from time to time. But the AMC shall not be entitled to charge any management fees on
this investment in the scheme. Investments by the AMC will be in accordance with Regulation 25(17)
of the SEBI (MF) Regulations, 1996 which states that:

"The asset management company shall not invest in any of its schemes unless full disclosure of its intention
to invest has been made in the Offer Document (presently Scheme Information Document), provided that
the asset management company shall not be entitled to charge any fees on its investment in the scheme."

Part III- OTHER DETAILS

A. COMPUTATION OF NAV

NAV of the Scheme shall be computed and declared on every business day. The NAV under the Scheme
would be rounded off to 4 decimals and Units will be allotted upto four decimal places as follows or such
other formula as may be prescribed by SEBI from time to time:

Market or Fair Value of Scheme’s investments + Current Assets - Current Liabilities and
Provision
NAV = -------------------------------------------------------------------------------------------------------------------
No of Units outstanding under Scheme on the Valuation Date

17
NAV will be disclosed as prescribed under SEBI (Mutual Funds) Regulations, 1996. NAV can also be
viewed on www.sbimf.com and www.amfiindia.com.

The AMC shall update the NAVs on the website of Association of Mutual Funds in India - AMFI
(www.amfiindia.com) by 11.00 p.m. on business day basis. In case of any delay, the reasons for such
delay would be explained to AMFI and SEBI by the next day. If the NAVs are not available before
commencement of business hours on the following day due to any reason, the Fund shall issue a press
release providing reasons and explaining when the Fund would be able to publish the NAVs.

However, whenever the Scheme also invests in foreign securities, the NAVs of Scheme shall be updated on daily
basis on the website of the AMC and on the website of AMFI by 10:00 a.m. of the following business day in line with
Paragraph 8.2 of Master Circular for mutual funds.

In case of non-availability of price/valuation for the underlying overseas investments before aforementioned timeline,
consequent to which there would be inability in capturing same day price/valuation for such underlying investments,
then NAV of the Scheme will be declared as and when the price/valuation for such underlying securities/ Funds is
available.

Further, as per SEBI Regulations, the repurchase price shall not be lower than 95% of the NAV

Illustration on computation of NAV: If the net assets of the Scheme are Rs.10,45,34,345.34 and units
outstanding are 10,000,000, then the NAV per unit will be computed as follows: 10,45,34,345.34 / 10,000,000 =
Rs. 10.4534 p.u. (rounded off to four decimals)

E. Methodology for calculation of sale and re-purchase price of the units of mutual fund
scheme:

Let’s assume that the NAV of a Mutual Fund Scheme on April 01, 2021 is Rs. 10/-.

Purchase of mutual fund units:

The Purchase Price of the Units on an ongoing basis will be same as Applicable NAV.

Purchase Price = Applicable NAV

In the above example, purchase is done on April 01, 2021, when the Applicable NAV = Rs. 10/-
Therefore, Purchase Price = Rs. 10/-

As per existing Regulations, no entry load is charged with respect to applications for purchase / additional
purchase of mutual funds units.

Redemption/Re-purchase of mutual fund units

The Redemption Price of the Units will be calculated on the basis of the Applicable NAV subject to
prevailing Exit Load, if any. In case of redemption, the amount payable to the investor shall be calculated
as follows:

Redemption Price = Applicable NAV * (1 - Exit Load)

Say, in the above example the exit load applicable is:

a. For exit on or before 12 months from the date of allotment – 1.00%

18
b. For exit after 12 months from the date of allotment – Nil.

Scenario 1: Redemption is done during applicability of exit load

In case the investor requests for redemption on or before 12 months i.e. on or before March 31, 2022;
say December 1, 2021, when the NAV of the scheme is Rs. 12/- and the exit load applicable is 1%, so
the Redemption amount payable to investor shall be calculated as follows:

Redemption Price = Applicable NAV * (1 - Exit Load)


= Rs. 12 * (1-1%) = Rs. 11.988/-
Scenario 2: Redemption is done when the exit load is NIL

In case the investor requests for redemption after 12 months i.e. after March 31, 2022; say April 1, 2022,
when the NAV of the scheme is Rs. 12/- and the exit load applicable is NIL, so the Redemption amount
payable to investor shall be calculated as follows:

Redemption Price = Applicable NAV * (1 - Exit Load)


= Rs. 12 * (1-0) = Rs. 12/-

The aforesaid example does not take into consideration any applicable statutory levies or taxes.
Accordingly, the redemption amount payable to investor shall further reduce to the extent of applicable
statutory levies or taxes.

Note: The aforesaid disclosure has been made pursuant to paragraph 8.1.5 of the SEBI Master Circular for mutual
funds dated May 19, 2023.

19
B. NEW FUND OFFER (NFO) EXPENSES

These expenses are incurred for the purpose of various activities related to the NFO like sales and
distribution fees paid marketing and advertising, registrar expenses, printing and stationary, bank
charges etc. Details of source for meeting these expenses may be disclosed. AMC to ensure that no
NFO expenses will be / were charged to the Scheme. – Not Applicable.

C. ANNUAL SCHEME RECURRING EXPENSES

These are the fees and expenses for operating the scheme. These expenses include Investment
Management and Advisory Fee charged by the AMC, Registrar and Transfer Agents’ fee,
marketing and selling costs etc. as given in the table below:

The AMC has estimated that upto 2.25% (plus allowed under regulation 52(6A)) of the daily net asset
will be charged to the scheme as expenses. The maximum annual recurring expenses that can be
charged to the Scheme, excluding issue or redemption expenses, whether initially borne by the mutual
fund or by the asset management company, but including the investment management and advisory fee
shall be within the limits stated in Regulations 52 read with chapter 10 of SEBI master circular for
Mutual Funds dated May 19, 2023. The AMC may charge the investment and advisory fees within the
limits of total expenses prescribed under Regulation 52 of the SEBI (Mutual Funds) Regulation.
% p.a. of daily
Net Assets*
Expense Head
(Estimated
p.a.)
Investment Management & Advisory Fee
Audit fees/fees and expenses of trustees
Custodial Fees
Registrar & Transfer Agent Fees including cost of providing account
statements / IDCW / redemption cheques/ warrants
Marketing & Selling Expenses including Agents Commission and statutory
advertisement Upto 2.25%
Costs related to investor communications
Costs of fund transfer from location to location
Cost towards investor education & awareness
Brokerage & transaction cost pertaining to distribution of units
Goods & Services Tax on expenses other than investment and advisory fees
Goods & Services Tax on brokerage and transaction cost
Other Expenses (to be specified as per Reg 52 of SEBI MF Regulations) ^
Maximum Total expenses ratio (TER) permissible under Regulation 52 Upto 2.25%
(6) (c)
Additional expenses under Regulations 52(6A)(c)* Upto 0.05%
Additional expenses for gross new inflows from specified cities Upto 0.30%

^ Any other expenses which are directly attributable to the Scheme, may be charged with the approval of
the Trustee within the overall limits as specified in the Regulations except those expenses which are
specifically prohibited.

*Pursuant to paragraph 10.1.7 of SEBI Master Circular for Mutual Funds dated May 19, 2023 , additional
expenses under regulation 52 (6A) (c) shall not be levied if the scheme doesn’t have exit load.

20
Direct Plan shall have a lower expense ratio excluding distribution expenses, commission, etc. vis-a-vis
the Regular Plan, and no commission shall be paid from Direct plan. Both the plans viz. Regular and
Direct plan shall have common portfolio. However, Regular Plan and Direct Plan shall have different
NAVs.

For investor education and awareness initiative, the AMC or the Schemes of the Fund will annually set
apart at least 0.02 percent of daily net asset of the Schemes of the Fund within the maximum limit of the
total expense ratio as per SEBI Regulation

These estimates have been made in good faith as per the information available to the Investment Manager
based on past experience and are subject to change inter-se. Types of expenses charged shall be as per
the SEBI (MF) Regulations. Pursuant to SEBI Notification dated December 13, 2018, the maximum total
expenses of the scheme under Regulation 52(6)(c) shall be subject to following limits

Assets Under Management Slab (In Total expense ratio limits for equity-
Rs. crore) oriented schemes
On the first Rs.500 crores of the daily net 2.25%
assets
On the next Rs.250 crores of the daily 2.00%
net assets
On the next Rs.1,250 crores of the daily 1.75%
net assets
On the next Rs.3,000 crores of the daily 1.60%
net assets
On the next Rs.5,000 crores of the daily 1.50%
net assets
On the next Rs.40,000 crores of the daily Total expense ratio reduction of 0.05% for
net assets every increase of Rs.5,000 crores of daily
net assets or part thereof.
On balance of the assets 1.05%

The scheme may charge additional expenses incurred towards different heads mentioned under
regulations (2) and (4), not exceeding 0.05% of the daily net assets.
In addition to expenses as permissible under Regulation 52 (6) (c), the AMC may charge the following
additional costs or expenses to the scheme:
• The Goods & Service tax on investment management and advisory fees would be charged in addition
to above limit.
• Brokerage and transaction costs which are incurred for the purpose of execution of trade up to 0.12 per cent of
trade value in case of cash market transactions and 0.05 per cent of trade value in case of derivatives transactions.
Further, In terms of paragraph 10.1.14 of SEBI Master Circular for Mutual funds dated May 19, 2023 , It is clarified
that the brokerage and transaction cost incurred for the purpose of execution of trade may be capitalized
to the extent of 12bps and 5bps for cash market transactions and derivatives transactions respectively.
Any payment towards brokerage and transaction cost, over and above the said 12 bps and 5bps for cash
market transactions and derivatives transactions respectively may be charged to the scheme within the
maximum limit of Total Expense Ratio (TER) as prescribed under regulation 52 of the SEBI (Mutual
Funds) Regulations, 1996. Goods & Service tax on brokerage and transaction cost paid for execution of
trade, if any, shall be within the limit prescribed under regulation 52 of the Regulations

In terms of Regulation 52 (6A) (b), expenses not exceeding of 0.30 per cent of daily net assets will be
charged, if the new inflows from such cities as specified from time to time are at least –

21
(i) 30 percent of gross new inflows in the scheme, or;
(ii) 15 percent of the average assets under management (year to date) of the scheme, whichever is higher:
Provided that if inflows from such cities is less than the higher of sub-clause (i) or sub- clause (ii), such
expenses on daily net assets of the scheme shall be charged on proportionate basis:

Provided further that expenses charged under this clause shall be utilised for distribution expenses
incurred for bringing inflows from such cities:

Provided further that amount incurred as expense on account of inflows from such cities shall be credited
back to the scheme in case the said inflows are redeemed within a period of one year from the date of
investment.

• Further, GST on expenses other than investment and advisory fees shall be borne by the Scheme within
the maximum limit of annual recurring expenses as prescribed in Regulation 52.

The Mutual Fund would update the current expense ratios on the website atleast three working days prior
to the effective date of the change. Investors can refer https://www.sbimf.com/en-us/disclosure/total-
expense-ratio-ofmutual-fund-schemes for Total Expense Ratio (TER) details

The additional TER in terms of Regulation 52(6A)(b) of SEBI (Mutual Funds) Regulations, 1996 shall be
charged based on inflows from Retail Investors from beyond top 30 cities (B-30 cities). Accordingly, the
inflows of amount upto Rs 2,00,000/- per transaction, by individual investors shall be considered as inflows
from “Retail Investors’’

Note: SEBI vide its letter no. SEBI/HO/IMD-SEC-3/P/OW/2023/5823/1 dated February 24, 2023

and AMFI letter dated No. 35P/ MEM-COR/ 85-a/ 2022-23 dated March 02, 2023 has directed AMCs

to keep B-30 incentive structure in abeyance with effect from March 01, 2023 till further notice.

The Mutual Fund would update the current expense ratios on the website atleast three working days prior
to the effective date of the change. Investors can refer https://www.sbimf.com/en-us/disclosure/total-
expense-ratio-of-mutual-fund-schemes for Total Expense Ratio (TER) details.

*Impact of TER on returns of both Direct plan and Regular plan through an illustration may be provided.

Illustration of impact of expense ratio on scheme’s returns


Regular Plan Direct Plan
Opening NAV (INR) (a) 100.00 100.00
Scheme's gross return for the year 10% 10%
Closing NAV before charging expenses (INR) (b) 110.00 110.00
Total expense charged (INR) (c) 2.0% 1.5%
NAV after charging expenses (INR) (b-c) 108.00 108.50
Net return to the investor 8.00% 8.50%

1) The above computation assumes no investment/ redemption made during the year. The
investment is made in the Growth option of the scheme.

22
2) The above computation is simply to illustrate the impact of expenses of the scheme. The actual
expenses charged to the scheme will not be more than the amount that can be charged to the
scheme as mentioned in this SID.
3) It is assumed that expenses charged are evenly distributed throughout the year. Tax impact on
customers has not been considered due to the individual nature of this impact.
4) Calculations are based on one day NAV and actual returns may differ from those considered
above.

D. LOAD STRUCTURE

Exit Load is an amount which is paid by the investor to redeem the units from the scheme. Load
amounts are variable and are subject to change from time to time. For the current applicable
structure, please refer to the website of the AMC (www.sbimf.com) or may call at (toll free no. 1800
209 3333/1800 425 5425.) or your distributor.

Type of Load Load chargeable (as %age of NAV)

Exit Load
• NIL - If units purchased or switched in from another scheme of the
Fund are redeemed or switched out upto 10% of the units (the limit)
purchased or switched on or before 1 year from the date of
allotment.
• 1% of the applicable NAV - If units purchased or switched in from
another scheme of the Fund are redeemed or switched out in
excess of the limit on or before 1 year from the date of allotment
• NIL - If units purchased or switched in from another scheme of the
Fund are redeemed or switched out after 1 year from the date of
allotment

The charges stated above are a percentage of the NAV.

Please note that no Exit Load shall be charged for Switch from Direct Plan to Regular Plan under the
Scheme; however, in case of switch from Regular Plan to Direct Plan under the Scheme shall be subject
to applicable exit load if any. Units issued on Re-investment of Income Distribution cum capital withdrawal
shall not be subject to entry and exit load.

The AMC reserves the right to introduce a load structure, levy a different load structure or remove the
load structure in the scheme at any time after giving notice to that effect to the investors through an
advertisement in an English language daily that circulates all over India as well as in a newspaper
published in the language of the region where the Head Office of the mutual fund is situated. Goods &
Service tax on exit load shall be paid out of the exit load proceeds and exit load net of goods & service
tax shall be credited to the scheme.

The upfront commission on investment, if any, shall be paid to the ARN Holder directly by the investor,
based on the investor’s assessment of various factors including service rendered by the ARN Holder.

For any change in load structure AMC will issue an addendum and display it on the website/OPAT of SBI
MF.

23
Any imposition or enhancement in the load shall be applicable on prospective investments only. At the time
of changing the load structure, the mutual fund may consider the following measures to avoid complaints from
investors about investment in the schemes without knowing the loads:

i. The AMC shall be required to issue an addendum and display the same on its website immediately.

ii. The addendum shall be circulated to all the distributors/brokers/Investor Service Centre (ISC) so that the
same can be attached to all KIM and SID already in stock till it is updated.

iii. Latest applicable addendum shall be a part of KIM and SID. (E.g. in case of changes in load structure the
addendum carrying the latest applicable load structure shall be attached to all KIM and SID already in stock
till it is updated).

iv. Further, the account statements shall continue to include applicable load structure.

In accordance with SEBI Regulations, the repurchase price will not be lower than 95% of the NAV

The investor is requested to check the prevailing load structure of the Scheme before investing.

24
SECTION - II
I. Introduction

A. Definitions/interpretation
Please refer the definitions/interpretation as disclosed on our website under: https://www.sbimf.com/offer-
document-sid-kim

B. Risk factors

Scheme-specific Risk Factors

a. SBI Multicap Fund will be investing in Equity and equity related instruments including derivatives, debt
instruments, Government Securities and money market instruments (such as term/notice money
market and reverse repos). Trading volumes and settlement periods inherently restrict the liquidity of
the scheme’s investments. In the event of a restructuring of the scheme’s investment portfolio, these
periods may become significant.

b. Investments under the scheme may also be subject to the following risks:

I. Investment in Equities:

a) Equity and Equity related instruments are volatile in nature and are subject to price fluctuations on
daily basis. The volatility in the value of the equity and equity related instruments is due to various
micro and macro-economic factors affecting the securities markets. This may have adverse impact
on individual securities /sector and consequently on the NAV of Scheme.
b) The inability of the Scheme to make intended securities purchases due to settlement problems could
cause the Scheme to miss certain investment opportunities as in certain cases, settlement periods
may be extended significantly by unforeseen circumstances. Similarly, the inability to sell securities
held in the schemes portfolio may result, at times, in potential losses to the scheme, should there be
a subsequent decline in the value of the securities held in the schemes portfolio.
c) Trading volumes, settlement periods and transfer procedures may restrict the liquidity of the
investments made by the scheme. Different segments of the Indian financial markets have different
settlement periods and such periods may be extended significantly by unforeseen circumstances
leading to delays in receipt of proceeds from sale of securities.

c. Debt & money market securities investments under the scheme may also be subject to the
following risks:
a) Credit risk: Credit risk is risk resulting from uncertainty in counterparty’s ability or willingness to meet
its contractual obligations. This risk pertains to the risk of default of payment of principal and interest.
Government Securities have zero credit risk while other debt instruments are rated according to the
issuers’ ability to meet the obligations.
b) Liquidity Risk pertains to how saleable a security is in the market. If a particular security does not
have a market at the time of sale, then the scheme may have to bear an impact depending on its
exposure to that particular security.
c) Interest Rate risk is associated with movements in interest rate, which depend on various factors such
as government borrowing, inflation, economic performance etc. The value of investments will
appreciate/depreciate if the interest rates fall/rise. However, if the investments are held on till maturity
of the investments, the value of the investments will not be subjected to this risk.
d) Reinvestment risk: This risk arises from uncertainty in the rate at which cash flows from an investment
may be reinvested. This is because the bond will pay coupons, which will have to be reinvested. The

25
rate which the coupons will be reinvested will depend upon prevailing market rates at the time the
coupons are received.
e) Risk associated with unrated debt instruments – Investments in unrated instruments are subject to
the risk associated with investments in any other fixed income securities such as credit risk, interest
rate risk etc. However, investments in unrated instruments are subject to greater risk of loss of
principal and interest than rated instruments.

d. Securitized debt investments under the scheme may also be subject to the following risks:
a) Liquidity risk: There is no assurance that a deep secondary market will develop for the instrument.
This could limit the ability of the investor to resell them.
b) Limited Recourse: The instruments represent an undivided beneficial interest in the underlying
receivables and do not represent an obligation of either the Issuer or the Seller or the originator, or
the parent or any affiliate of the Seller, Issuer and Originator. No financial recourse is available to the
buyer of the security against the Investors’ Representative.
c) Delinquency and Credit Risk: Delinquencies and credit losses may cause depletion of the amount
available under the Credit Enhancement and thereby the Monthly investor pay-outs to the Holders
may get affected if the amount available in the Credit Enhancement facility is not enough to cover the
shortfall. On persistent default of an Obligor to repay his obligation, the Servicer may repossess and
sell the Vehicle/ Asset. However, many factors may affect, delay or prevent the repossession of such
Vehicle/Asset or the length of time required to realize the sale proceeds on such sales. In addition,
the price at which such Vehicle/Asset may be sold may be lower than the amount due from that
Obligor.
d) Risks due to possible prepayments: Full prepayment of a contract may lead to an event in which
investors may be exposed to changes in tenor and yield.
e) Bankruptcy of the Originator or Seller: If the service provider becomes subject to bankruptcy
proceedings and the court in the bankruptcy proceedings concludes that either the sale from each
Originator was not a sale then an Investor could experience losses or delays in the payments due
under the instrument.

e. Derivatives under the scheme may also be subject to the following risks:
a) The AMC, on behalf of the Scheme may use various derivative products, from time to time, in an
attempt to protect the value of the portfolio and enhance Unit holders' interest. Investors should
understand that derivative products are specialized instruments that require investment techniques
and risk analysis different from those associated with stocks and bonds. The use of a derivative
requires an understanding not only of the underlying instrument but of the derivative itself. Other risks
include but are not limited to the risk of mispricing or improper valuation and the inability of derivatives
to correlate perfectly with underlying assets, rates and indices. There may be a cost attached to selling
or buying futures or other derivative instrument. Further there could be an element of settlement risk,
which could be different from the risk in settling physical shares. The possible lack of a liquid secondary
market for a futures contract or listed option may result in inability to close futures or listed option
positions prior to their maturity date.
b) Derivative products are leveraged instruments and can provide disproportionate gains as well as
disproportionate losses to the investor. Execution of such strategies depends upon the ability of the
fund manager to identify such opportunities. Identification and execution of the strategies to be pursued
by the fund manager involve uncertainty and decision of fund manager may not always be profitable.
c) No assurance can be given that the fund manager will be able to identify or execute such strategies.
The risks associated with the use of derivatives are different from or possibly greater than, the risks
associated with investing directly in securities and other traditional investments.

26
f. Repo in corporate debt may also be subject to the following risk:
Corporate Bond Repo transactions are currently done on OTC basis and settled on non-guaranteed basis.
Credit risks could arise if the counterparty does not return the security as contracted on due date. The
liquidation of underlying bonds in case of counterparty default would depend on the liquidity of the bond
and market conditions at that time. This risk is largely mitigated, as the choice of counterparties is largely
restricted and also haircuts are applicable on the underlying bonds depending on credit ratings. Also,
operational risks are lower as such trades are settled on a DVP basis.

In the event of the scheme(s) being unable to pay back the money to the counterparty as contracted in case
of transactions as a borrower, the counter party may dispose of the assets (as they have sufficient margin)
and the net proceeds may be refunded to the Mutual Fund. Thus, the scheme(s) may in remote cases
suffer losses. This risk is normally mitigated by better cash flow planning to take care of such repayments.

g. Securities lending may be subject to the following risk:


Securities Lending is a lending of securities through an approved intermediary to a borrower under an
agreement for a specified period with the condition that the borrower will return equivalent securities
of the same type or class at the end of the specified period along with the corporate benefits accruing
on the securities borrowed. If the Scheme undertakes stock lending under the regulations, it may be
exposed to the risks inherent to securities lending, including the risk of failure of the other party, in this
case the approved intermediary, to comply with the terms of the agreement entered into between the
lender of securities i.e. the Scheme and the approved intermediary. Such failure can result in the
possible loss of rights to the collateral put up by the borrower of the securities, the inability of the
approved intermediary to return the securities deposited by the lender and the possible loss of any
corporate benefits accruing to the lender from the securities deposited with the approved intermediary.

h. Risks associated with Investing in ADR/GDR/Foreign Securities:


• Subject to necessary approvals and within the investment objectives of the Scheme, the Scheme may
invest in Foreign Securities including foreign equities. Such investments carry risks related to
fluctuations in the foreign exchange rates, the nature of the securities market of the country, repatriation
of capital due to exchange controls and political circumstances.
• It is the AMC’s belief that investment in Foreign Securities offers new investment and portfolio
diversification opportunities into multi-market and multi-currency products. However, such investments
also entail additional risks. Such investment opportunities may be pursued by the AMC provided they
are considered appropriate in terms of the overall investment objectives of the Scheme. Since the
Scheme would invest only partially in Foreign Securities, there may not be readily available and widely
accepted benchmarks to measure performance of the Scheme.
• Overseas investments will be made subject to any/all approvals, conditions thereof as may be stipulated
under the SEBI Regulations or by RBI and provided such investments do not result in expenses to the
Scheme(s) in excess of the ceiling on expenses prescribed by and consistent with costs and expenses
attendant to international investing. The Mutual Fund may, where necessary, appoint other
intermediaries of repute as advisors, custodian/sub-custodians, etc. for managing and administering
such investments. The appointment of such intermediaries shall be in accordance with the applicable
requirements of SEBI and within the permissible ceilings of expenses.
• To the extent that the assets of the Scheme will be invested in Foreign Securities denominated in
foreign currencies, the Indian Rupee equivalent of the net assets, distributions and income may be
adversely affected by changes in the value of certain foreign currencies relative to the Indian Rupee.
The repatriation of capital to India may also be hampered by changes in regulations concerning
exchange controls or political circumstances as well as the application to it of other restrictions on
investment.

27
i. Risks associated with segregated portfolio:
Different types of securities in which the scheme would invest carry different levels and types of risk as
given in the Scheme Information Document of the scheme. In addition to the same, unitholders are
requested to also note the following risks with respect to Segregated Portfolio:
1. Investor holding units of segregated portfolio may not able to liquidate their holding till the time there is
recovery of money from the issuer.
2. Listing of units of segregated portfolio in recognized stock exchange does not necessarily guarantee
their liquidity, as there may not be active trading of units in the stock market. Further trading price of units
on the stock market may be at a significant discount compared to the prevailing NAV.
3. Securities which are part of the segregated portfolio may or may not recover any money, either fully or
partially.

j. Risk factors associated with investments in REITs AND InvITS:

Risk of lower than expected distributions: The distributions by the REIT or InvIT will be based on the net
cash flows available for distribution. The amount of cash available for distribution principally depends
upon the amount of cash that the REIT/INVIT receives as dividends or the interest and principal payments
from portfolio assets. The cash flows generated by portfolio assets from operations may fluctuate primarily
based on the below, among other things:
• success and economic viability of tenants and off-takers
• economic cycles and risks inherent in the business which may negatively impact valuations, returns
and profitability of portfolio assets
• force majeure events related such as earthquakes, floods etc. rendering the portfolio assets inoperable
• debt service requirements and other liabilities of the portfolio assets
• fluctuations in the working capital needs of the portfolio assets
• ability of portfolio assets to borrow funds and access capital markets
• changes in applicable laws and regulations, which may restrict the payment of dividends by portfolio
assets
• amount and timing of capital expenditures on portfolio assets
• insurance policies may not provide adequate protection against various risks associated with operations
of the REIT/InvIT such as fire, natural disasters, accidents
• taxation and other regulatory factors

Price-Risk: The valuation of the REIT/InvIT units may fluctuate based on economic conditions,
fluctuations in markets (eg. real estate) in which the REIT/InvIT operates and the resulting impact on the
value of the portfolio of assets, regulatory changes, force majeure events etc. REITs & InvITs may have
volatile cash flows. As an indirect shareholder of portfolio assets, unit holders rights are subordinated to
the rights of creditors, debt holders and other parties specified under Indian law in the event of insolvency
or liquidation of any of the portfolio assets.
Interest-Rate Risk: Generally, there would be an inverse relationship between the interest rates and the
price of units. Generally, when the interest rates rise, prices of units fall and when interest rates drop,
such prices increase.

Liquidity Risk: This refers to the ease with which REIT/InvIT units can be sold. There is no assurance
that an active secondary market will develop or be maintained. Hence there would be time when trading
in the units could be infrequent. The subsequent valuation of illiquid units may reflect a discount from the
market price of comparable securities for which a liquid market exists

k. Risk factors associated with repo transactions in corporate debt securities:


Corporate Bond Repo transactions are currently done on OTC basis and settled on non guaranteed

28
basis. Credit risks could arise if the counterparty does not return the security as contracted on due date.
The liquidation of underlying bonds in case of counterparty default would depend on the liquidity of the
bond and market conditions at that time. This risk is largely mitigated, as the choice of counterparties is
largely restricted and also haircuts are applicable on the underlying bonds depending on credit ratings.
Also operational risks are lower as such trades are settled on a DVP basis. In the event of the scheme
being unable to pay back the money to the counterparty as contracted in case of transactions as a
borrower, the counter party may dispose of the assets (as they have sufficient margin) and the net
proceeds may be refunded to the Mutual Fund. Thus, the scheme may in remote cases suffer losses.
This risk is normally mitigated by better cash flow planning to take care of such repayments.

l. Risk factors associated with imperfect hedge using Interest Rate Futures
1. The cost of hedge can be higher than adverse impact of market movements.
2. Price / change in price of a security may or may not be the same in spot/cash and futures segment of
the market. This may lead to the hedging position not giving the exact desired hedge result.
3. Derivatives will entail a counter-party risk to the extent of amount that can become due from the party.
4. Efficiency of a derivatives market depends on the development of a liquid and efficient market for
underlying securities.

m. Risks associated with investing in ETFs:

ETFs are passively managed and may be affected by a general decline in the Indian markets relating to
its Underlying Index. ETFs invests in the securities included in its Underlying Index regardless of their
investment merit. The AMC does not attempt to individually select stocks or to take defensive positions in
declining markets.
• ETFs are listed on a stock exchange/s, however, there can be no assurance that an active secondary
market will develop or be maintained.
• Investment in ETFs is subject to tracking error. Factors such as the fees and expenses of the Scheme,
corporate actions, cash balance, changes to the Underlying Index and regulatory policies may affect the
AMC‟s ability to achieve close correlation with the Underlying Index of the Scheme. The AMC will
endeavour to constantly minimize the tracking error and track the index as closely as possible.

n. Risks associated with Investing in Structured Obligation (SO) & Credit Enhancement (CE) rated
securities

Credit rating agencies assign CE rating to an instrument based on any identifiable credit enhancement
for the debt instrument issued by an issuer. The credit enhancement could be in various forms and
could include guarantee, shortfall undertaking, letter of comfort, etc. from another entity. This entity
could be either related or non-related to the issuer like a bank, financial institution, etc. Credit
enhancement could include additional security in form of pledge of shares listed on stock exchanges,
etc. SO transactions are asset backed/ mortgage backed securities, securitized paper backed by
hypothecation of car loan receivables, securities backed by trade receivables, credit card receivables
etc. Hence, for CE rated instruments evaluation of the credit enhancement provider, as well as the
issuer is undertaken to determine the issuer rating. In case of SO rated issuer, the underlying loan
pools or securitization, etc. is assessed to arrive at rating for the issuer.

Liquidity Risk: SO rated securities are often complex structures, with a variety of credit enhancements.
Debt securities lack a well-developed secondary market in India, and due to the credit enhanced
nature of CE securities as well as structured nature of SO securities, the liquidity in the market for
these instruments is adversely affected compared to similar rated debt instruments. Hence, lower
liquidity of such instruments, could lead to inability of the scheme to sell such debt instruments and
generate liquidity for the scheme or higher impact cost when such instruments are sold.

29
Credit Risk: The credit risk of debt instruments which are CE rated derives rating based on the
combined strength of the issuer as well as the structure. Hence, any weakness in either the issuer or
the structure could have an adverse credit impact on the debt instrument. The weakness in structure
could arise due to inability of the investors to enforce the structure due to issues such as legal risk,
inability to sell the underlying collateral or enforce guarantee, etc. In case of SO transactions,
comingling risk and risk of servicer increases the overall risk for the securitized debt or assets backed
transactions. Therefore apart from issuer level credit risk such debt instruments are also susceptible
to structure related credit risk.

o. Risk factors associated with instruments having special features

• The scheme shall invest in certain debt instruments with special features which may be
subordinated to equity and thereby such instruments may absorb losses before equity capital. The
instrument is also convertible to equity upon trigger of a pre-specified event for loss absorption as
may be decided by the RBI.
• The debt instruments with special features are considered as Non-Convertible Debentures, may
be treated as debt instruments until converted to equity.
• The instruments are subject to features that grants issuer a discretion in terms of writing down the
principal/coupon, to skip coupon payments, to make an early recall etc. Thus debt instruments
with special features are subject to “Coupon discretion”, “Loss Absorbency”, “Write down on Point
of Non-viability trigger(PONV) event” and other events as more particularly described as per the
term sheet of the underlying instruments.
• The instrument is also subject to Liquidity Risk pertaining to how saleable a security is in the
market. The particular security may not have a market at the time of sale due to
uncertain/insufficient liquidity in the secondary market, then the scheme may have to bear an
impact depending on its exposure to that particular security.

C. RISK MITIGATION STRATEGIES

Investments in equity, debt and money market securities carry various risks such as inability to sell
securities, trading volumes and settlement periods, interest rate risk, liquidity risk, default risk,
reinvestment risk etc. Whilst such risks cannot be eliminated, they may be mitigated by diversification.

In order to mitigate the various risks, the portfolio of the Scheme will be constructed in accordance with
the investment restriction specified under the Regulations which would help in mitigating certain risks
relating to investments in securities market.

Further, the AMC has necessary framework in place for risk mitigation at an enterprise level. The Risk
Management division is an independent division within the organization. Internal limits are defined and
judiciously monitored. Risk indicators on various parameters are computed and are monitored on a
regular basis. There is a Board level Committee, the Risk Management Committee of the Board, which
enables a dedicated focus on risk factors and the relevant risk mitigants.

For risk control, the following may be noted:

Investments in Equity and equity related instruments including derivatives, debt securities and money
market instruments carry various risks such as inability to sell securities, trading volumes and settlement
periods, interest rate risk, liquidity risk, default risk, reinvestment risk etc. Whilst such risks cannot be
eliminated, they may be mitigated by diversification and hedging.

In order to mitigate the various risks, the portfolio of the Scheme will be constructed in accordance with

30
the investment restriction specified under the Regulations which would help in mitigating certain risks
relating to investments in securities market.

Further, the AMC has necessary framework in place for risk mitigation at an enterprise level. The Risk
Management division is an independent division within the organization. Internal limits are defined and
judiciously monitored. Risk indicators on various parameters are computed and are monitored on a
regular basis. There is a Board level Committee, the Risk Management Committee of the Board, which
enables a dedicated focus on risk factors and the relevant risk mitigants.

For risk control, the following may be noted:

Liquidity risks:

The liquidity of the Scheme’s investments may be inherently restricted by trading volumes, transfer
procedures and settlement periods. Liquidity Risk can be partly mitigated by diversification, staggering of
maturities as well as internal risk controls that lean towards purchase of liquid securities.

Interest Rate Risk:


Changes in interest rates affect the prices of bonds. If interest rates rise the prices of bonds fall and vice
versa. A well-diversified portfolio may help to mitigate this risk.

Volatility risks:

There is the risk of volatility in markets due to external factors like liquidity flows, changes in the business
environment, economic policy etc. The scheme will manage volatility risk through diversification. To that
extent the Volatility risk will be mitigated in the scheme.

Credit Risks

Credit risk shall be mitigated by investing in rated papers of the companies having the sound back ground,
strong fundamentals, and quality of management and financial strength of the Company.

Further, the Investment Manager endeavours to invest in REITS/InvITs, where adequate due diligence
and research has been performed by the Investment Manager. The Investment Manager also relies on
its own research as well as third party research. This involves one-to-one meetings with the
managements, attending conferences and analyst meets and also tele-conferences. The analysis will
focus, amongst others, on the predictability and strength of cash flows, value of assets, capital structure,
business prospects, policy environment, strength of management, responsiveness to business
conditions, etc

31
II. Information about the scheme:

A. Where will the scheme invest – Detailed description of the instruments (including overview of
debt markets in India, if applicable) mentioned in Section I

The Scheme will invest in Equity and Equity related instruments, Debt securities (including securitized
debt) and money market instruments, Units issued by REITs and InvITs, Derivatives, foreign securities
including ADR/GDR/Foreign equity and overseas ETFs, Repo in Corporate Debt, securities lending,
Mutual Fund units including ETFs, Credit Enhancement / structured obligations such as corporate /
promoter guarantee.

Money Market instruments includes Commercial Paper, Commercial Bills, Certificates of Deposit,
Treasury Bills, Bills Rediscounting, Triparty Repo, Government securities having an unexpired maturity
of less than 1 year, alternate to Call or notice money, Usance Bills and any other such short-term
instruments as may be allowed under the Regulations prevailing from time to time.

A brief narration of Money Market Instruments is as under:

1. Certificate of Deposits (CDs) is a negotiable money market instrument issued by scheduled commercial
banks and select all- India Financial Institutions that have been permitted by the RBI to raise short term
resources.
2. Commercial Paper (CPs) is an unsecured negotiable money market instrument issued in the form of a
promissory note, generally issued by the corporates, primary dealers and all India Financial Institutions
as an alternative source of short term borrowings. They are issued at a discount to the face value as
may be determined by the issuer. CP is traded in secondary market and can be freely bought and sold
before maturity.
3. Treasury Bills (T-Bills) are issued by the Government of India to meet their short term borrowing
requirements. T-Bills are issued for maturities of 91 days, and 364 days. T-bills are issued at a discount
to their face value and redeemed at par.
4. Triparty Repo
5. Securities created and issued by the Central Governments as may be permitted by RBI, securities
guaranteed by the Central Governments (including but not limited to coupon bearing bonds, zero
coupon bonds and treasury bills). Central Government Securities are sovereign debt obligations of the
Government of India with zero-risk of default and issued on its behalf by RBI. They form part of
Government’s annual borrowing programme and are used to fund the fiscal deficit along with other short
term and long term requirements. Such securities could be fixed rate, fixed interest rate with put/call
option, zero coupon bond, floating rate bonds, capital indexed bonds, Fixed Interest security with
staggered maturity payment etc.

6. Investment in Foreign Securities:

In accordance with paragraph 12.19 of the SEBI Master Circular for Mutual Funds dated May 19, 2023
, the following conditions shall apply to the Scheme’s participation in the overseas investments. Please note that the
investment restrictions applicable to the Scheme’s participation in overseas investments will be as prescribed or
varied by SEBI or by the Trustees (subject to SEBI requirements) from time to time. The regulations pertaining to
investment in ADRs/ GDRs/Foreign Securities and Overseas ETFs by mutual funds have now been decided as
under:

The aggregate ceiling for overseas investments is US $7 billion as per the above mentioned SEBI Circulars. Within
the overall limit of US $ 7 billion, mutual funds can make overseas investments subject to a maximum of US $1

32
billion per mutual fund. Further, mutual funds can make investments in Overseas Exchange Traded Fund (ETFs)
subject to a maximum of US $300 million per mutual fund, within the overall industry limit of US $ 1 billion.

Pursuant to with paragraph 12.19 and 12.19.1.1 of the SEBI Master Circular for Mutual Funds dated May
19, 2023, the Scheme may invest in overseas securities / overseas ETFs as mentioned below.

Investments in Investments in Overseas


Overseas Securities ETFs
(in USD mn) (in USD mn)
25 10

The Scheme may invest during the six months period post closure of NFO. Post completion of the six months period,
the relevant provisions of paragraph 12.19 and 12.19.1.1 of the SEBI Master Circular for Mutual Funds
dated May 19, 2023shall be applicable.

The permissible investments Mutual Funds can invest in:

• ADRs / GDRs / IDRs issued by Indian or foreign companies.


• Equity of overseas companies listed on recognized stock exchanges overseas
• Initial and follow on public offerings for listing at recognized stock exchanges overseas
• Foreign debt securities in the countries with fully convertible currencies, short term as well as
long term debt instruments with rating not below investment grade by accredited/registered
credit rating agencies
• Money market instruments rated not below investment grade
• Repos in the form of investment, where the counterparty is rated not below investment grade;
repos should not however, involve any borrowing of funds by mutual funds
• Government securities where the countries are rated not below investment grade
• Derivatives traded on recognized stock exchanges overseas only for hedging and portfolio
balancing with underlying as securities
• Short term deposits with banks overseas where the issuer is rated not below investment grade
• Units/securities issued by overseas mutual funds or unit trusts registered with overseas
regulators and investing in (a) aforesaid securities, (b) Real Estate Investment Trusts (REITs)
listed in recognized stock exchanges overseas or (c) unlisted overseas securities (not
exceeding 10% of their net assets).

The restriction on the investments in mutual fund units upto 5% of net assets and prohibits charging of
fees, shall not be applicable to investments in mutual funds in foreign countries made in accordance with
SEBI Guidelines. However, the management fees and other expenses charged by the mutual fund in
foreign countries along with the management fee and recurring expenses charged to the domestic mutual
fund scheme shall not exceed the total limits on expenses as prescribed under Regulation 52(6). Where
the scheme is investing only a part of the net assets in the foreign mutual fund(s), the same principle shall
be applicable for that part of investment.

The overseas securities markets offer new investment and portfolio diversification opportunities by enabling
investments in the overseas markets. However, such investments also entail additional risks. Such investment
opportunities may be pursued by the Mutual Fund provided they are considered appropriate in terms of the overall
investment objectives of the Scheme. The Scheme may then, if necessary, seek applicable permission from SEBI
and RBI to invest abroad in accordance with the investment objectives of the Scheme and in accordance with any
guidelines issued by SEBI/RBI from time to time. These investments shall be made subject to any/all approvals,
conditions thereof as may be stipulated by SEBI/RBI and provided such investments do not result in expenses to the

33
Scheme in excess of the ceiling, if any, on expenses prescribed by SEBI for offshore investment, and if no such
ceiling is prescribed by SEBI, the expenses to the Scheme shall be limited to the level which, in the opinion of the
Trustee, is reasonable and consistent with costs and expenses attendant to international investing.

The Fund Manager reserves the right to invest in such instruments and securities as may be permitted from time to
time and which are in line with the investment objective of the scheme.

DEBT MARKET IN INDIA

The Indian debt markets are one of the largest and rapidly developing markets in Asia. Government and
Public Sector enterprises are the predominant borrowers in the market. The debt markets have received
lot of regulatory and governmental focus off late and are developing fast, with the rapid introduction of
new instruments including derivatives. Foreign Institutional Investors are also allowed to invest in Indian
debt markets subject to ceiling levels announced by the government. There has been a considerable
increase in the trading volumes in the market. The trading volumes are largely concentrated in the
Government of India Securities, which contribute a significant proportion of the daily trades.

The money markets in India essentially consist of the call money market (i.e. market for overnight and
term money between banks and institutions), repo transactions (temporary sale with an agreement to buy
back the securities at a future date at a specified price), commercial papers (CPs, short term unsecured
promissory notes, generally issued by corporates), certificate of deposits (CDs, issued by banks),
Treasury Bills (issued by RBI) and the triparty repo.

Government securities are largely traded on a Negotiated Order Matching system (NDS OM) apart from
the OTC market. The settlement of trades both in the G-sec markets and the overnight repo and triparty
repo are guaranteed and done by a central counterparty, the Clearing Corporation of India (CCIL). Money
market deals involving CD’s and CP’s are traded and settled on an OTC basis. The clearing and
settlement of corporate bond deals are now routed through a central counterparty established by the
exchanges BSE (ICCL) and NSE (NSCCL) which settles deals on a DVP (Delivery versus payment) non
guaranteed basis.

The current market yields of various instruments and the factors affecting prices of such securities are
given hereunder. The securitized instruments of higher ratings generally offer yields which are 50-75 basis
points higher than the comparable normal debt instruments.

Following are the yield matrix of various debt instruments as on June 18, 2024:

Instruments Indicative yield range


Overnight rates 6.70-6.75
90 day Commercial Paper 7.10-7.15
91-day T-bill 6.80-6.85
1 year G-Sec 7.00-7.05
5 year G – Sec 7.10-7.15
10 year G-Sec 7.15-7.20
1 year AAA Bond 7.60-7.65
5 year AAA Bond 7.65-7.70

The interest rate market conditions are influenced by the Liquidity in the system, Credit growth, GDP
growth, Inflows into the Country, Currency movement in the Forex market, demand and supply of issues
and change in investors’ preference. Generally, when there is a rise in interest rates the price of securities
fall and vice versa. The extent of change in price shall depend on the rating, tenor to maturity, coupon

34
and the extent of fall or rise in interest rates. The Government securities carry zero credit risk, but they
carry interest rate risk like any other Fixed Income Securities. Money market instruments such as CP’s
and CD’s which are fairly liquid are not listed in exchanges. The impact cost of offloading the various
asset classes differ depending on market conditions and may impair the value of the securities to that
extent. Further, investments in securitized instruments or structured obligation papers carry a higher
illiquidity risk. They also carry limited recourse to the originator, delinquency risk out of the defaults on the
receivables and prepayment risk which affects the yields on the instruments.

B. What are the investment restrictions

As per SEBI (Mutual Funds) Regulations,1996 the following investment restrictions apply in respect
of the Scheme at the time of making investments. The investment policies of the scheme comply
with the rules, regulations and guidelines laid out in SEBI (Mutual Funds) Regulations, 1996. As
per the Regulations, specifically the Seventh Schedule, the following investment limitations are
applicable to schemes of Mutual Funds.
a. The scheme shall not invest more than 10% of its NAV in debt instruments comprising money
market instruments and non-money market instruments issued by a single issuer, which are rated
not below investment grade by a credit rating agency authorized to carry out such activity under
the Act. Such investment limit may be extended to 12% of the NAV of the scheme with the prior
approval of the Board of Trustees and the Board of directors of the Asset Management Company.

Provided that such limit shall not be applicable for investments in government securities, treasury
bills, and triparty repo on Government securities or treasury bills :

Provided further that investments within such limit can be made in mortgaged backed securitised
debt which are rated not below investment grade by a credit rating agency registered with the
Board:

A mutual fund scheme shall not invest more than:

a. 10% of its NAV in debt and money market securities rated AAA; or
b. 8% of its NAV in debt and money market securities rated AA; or
c. 6% of its NAV in debt and money market securities rated A and below issued by a single issuer.

The above investment limits may be extended by up to 2% of the NAV of the scheme with prior approval of
the Board of Trustees and Board of Directors of the AMC, subject to compliance with the overall 12% limit
specified in clause 1 of Seventh Schedule of MF Regulation

b. A mutual fund scheme shall not invest in unlisted debt instruments including commercial papers,
except Government Securities and other money market instruments:

Provided that Mutual Fund Scheme may invest in unlisted non-convertible debentures up to a
maximum of 10% of the debt portfolio of the scheme subject to such conditions as may be
specified by the Board from time to time:

Provided further that mutual fund scheme shall comply with the norms under this clause within
the time and in the manner as may be specified by the Board:
Provided further that the norms for investments by mutual fund scheme in unrated debt instruments
shall be specified by the Board from time to time

35
c. The Fund under all its Schemes shall not own more than 10% of any company's paid up capital
carrying voting rights.
Provided, investment in the asset management company or the trustee company of a mutual fund
shall be governed by clause (a), of sub-regulation (1), of regulation 7B.

d. Transfer of investments from one scheme to another scheme of the same mutual fund, shall be
allowed only if :
a) Such transfers are done at the prevailing market price for quoted securities on spot basis;
explanation - “spot basis” shall have the same meaning as specified by the stock exchange
for spot transactions, and
b) The securities so transferred shall be in conformity with the investment objective of the
scheme to which such transfer has been made.
c) For meeting liquidity requirement in a scheme in case of unanticipated redemption pressure
d) For Duration/ Issuer/ Sector/ Group rebalancing

e. The scheme may invest in another scheme under the same asset management company or any
other mutual fund without charging any fees, provided that aggregate inter-scheme investment
made by all schemes under the same management or in schemes under the management of any
other asset management company shall not exceed 5% of the net asset value of the mutual fund.

f. The Mutual Fund shall buy and sell securities on the basis of deliveries and shall in all cases of
purchases, take delivery of relevant securities and in all cases of sale, deliver the securities:

Provided further that a mutual fund may enter into derivatives transactions in a recognized stock
exchange, subject to the framework specified by the Board.

Provided further that sale of government security already contracted for purchase shall be
permitted in accordance with the guidelines issued by the Reserve Bank of India in this regard.

g. The mutual fund shall get the securities purchased or transferred in the name of the mutual fund
on account of the concerned scheme, wherever investments are intended to be of long-term
nature.

h. Pending deployment of funds of the Scheme, the AMC may invest funds of the Scheme in short-term
deposits of scheduled commercial banks, subject to the following conditions as per the paragraph 12.16
of the SEBI Master Circular for Mutual Funds dated May 19, 2023 , as may be amended from time to time:

i. “Short Term” for parking of funds shall be treated as a period not exceeding 91 days.
ii. Such short-term deposits shall be held in the name of the Scheme.
iii. The Scheme shall not park more than 15% of their net assets in the short term deposit(s) of all
the scheduled commercial banks put together. However, it may be raised to 20% with the prior
approval of the Trustee. Also, parking of funds in short term deposits of associate and sponsor
scheduled commercial banks together shall not exceed 20% of total deployment by the Mutual
Fund in short term deposits.
iv. The Scheme shall not park more than 10% of their net assets in short term deposit(s) with any
one scheduled commercial bank including its subsidiaries.
v. The Trustee / AMC shall ensure that the funds of the Scheme are not parked in the short term
deposits of a bank which has invested in the Scheme.
vi. AMC will not charge any investment management and advisory fees for parking of funds in short
term deposits of scheduled commercial banks.

36
vii. The Trustee / AMC shall also ensure that the bank in which a scheme has short term deposits
do not invest in the scheme until the scheme has short term deposits with such bank.

The above provisions do not apply to term deposits placed as margins for trading in cash and
derivative market

i. The scheme shall not make any investment in;


a) any unlisted security of an associate or group company of the sponsor; or
b) any security issued by way of private placement by an associate or group company of the
sponsor; or
c) The listed securities of group companies of the sponsor which is in excess of 25% of the
net assets.
j. The scheme shall not make any investment in any Fund of Funds scheme.

k. All investments by a mutual fund scheme in equity shares and equity related instruments shall
only be made provided such securities are listed or to be listed

l. The scheme shall not advance any loan for any purpose.

m. The Mutual Fund shall enter into transactions relating to Government Securities only in
dematerialised form.

n. No mutual fund scheme shall invest more than 10 per cent of its NAV in the equity shares or equity
related instruments of any company

o. The Scheme may invest in the units of REITs and InvITs subject to the following:
(a) No mutual fund under all its schemes shall own more than 10% of units issued by a single
issuer of REIT and InvIT; and
(b) A mutual fund scheme shall not invest –
i. more than 10% of its NAV in the units of REIT and InvIT; and
ii. more than 5% of its NAV in the units of REIT and InvIT issued by a single issuer.

p. The investment of the Scheme in the following instruments shall not exceed 10% of the debt
portfolio of the scheme and the group exposure in such instruments shall not exceed 5% of the
debt portfolio of the scheme

Unsupported rating of debt instruments (i.e. without factoring-in credit enhancements) is below
investment grade and Supported rating of debt instruments (i.e. after factoring-in credit
enhancement) is above investment grade.

For the purpose of this provision, ‘Group’ shall have the same meaning as defined in
paragraph 12.9.3.3 of Master Circular for Mutual Funds.

However, Investment limits as mentioned above shall not be applicable on investments in


securitized debt instruments, as defined in SEBI (Public Offer and Listing of Securitized Debt
Instruments) Regulations 2008.

Investment in debt instruments, having credit enhancements backed by equity shares directly or
indirectly, shall have a minimum cover of 4 times considering the market value of such shares.

37
q. Pursuant to Paragraph 12.2.2 of Master Circular for Mutual Funds, no Mutual Fund under all its
schemes shall own more than 10% of debt instruments with special features issued by a single
issuer

The scheme shall not invest –


a. more than 10% of its NAV of the debt portfolio of the scheme in such instruments; and
b. more than 5% of its NAV of the debt portfolio of the scheme in such instruments issued by a
single issuer.

The above investment limit for a mutual fund scheme shall be within the overall limit for debt
instruments issued by a single issuer, as specified at clause 1 of the Seventh Schedule of SEBI
(Mutual Fund) Regulations, 1996, and other prudential limits with respect to the debt instruments.

r. Pursuant with paragraph 12.25.5 of the SEBI Master Circular for Mutual Funds dated May 19, 2023 , in
case of participation in plain vanilla IRS is through over the counter transactions, the counter party
has to be an entity recognized as a market maker by RBI and exposure to a single counterparty
in such transactions should not exceed 10% of the net assets of the scheme. However, if
transactions in IRS is through an electronic trading platform offered by the Clearing Corporation
of India Ltd. (CCIL) and CCIL is the central counterparty for such transactions guaranteeing
settlement, the single counterparty limit of 10% shall not be applicable.

Apart from the investment restrictions prescribed under SEBI (MF) Regulations, the fund follows
internal norms vis-à-vis exposure to a particular scrip or sector. These norms are reviewed on a
periodic basis and monitored regularly. These exposure limits are being followed with the objective
to ensure diversification of portfolio and risk minimization. These internal norms are subject to
periodic review and change depending on market conditions and in the interest of the Unit holders.
Such changes whenever made would be effected without prior notice to the Unit holders but would
be reflected in the periodic portfolio disclosures sent to Unit holders.

C. Fundamental Attributes

Following are the Fundamental Attributes of the scheme, in terms of Clause 1.14 of SEBI Master
Circular for Mutual Funds dated May 19, 2023 and Regulation 18 (15A) of the SEBI (MF)
Regulations:

a. Type of Scheme

An open ended equity scheme investing across large cap, mid cap, small cap stocks

b. Investment Objective:

The investment objective of the scheme is to provide investors with opportunities for long term growth
in capital from a diversified portfolio of equity and equity related instruments across market
capitalization.
However, there can be no assurance that the investment objective of the Scheme will be realized.

o Main Objective – Growth

38
o Investment pattern - The indicative portfolio break-up with minimum and maximum asset allocation,
while retaining the option to alter the asset allocation for a short term period on defensive
considerations. For detailed asset allocation pattern refer Section C above.

c. Terms of Issue:

Sale of Units: Units would be offered for subscription on all business days at NAV related prices.

Liquidity: The scheme would provide repurchase facility to investors on an ongoing basis on all
business days

Aggregate fee and expenses: Would be restricted to the ceilings of recurring expenses stated in
Regulation 52(6) of the SEBI (Mutual Funds) Regulation. The fee and expenses proposed to be
charged by the scheme is detailed in Section Fee and Expenses.

Any Safety Net or Guarantee provided


This Scheme does not provide any guaranteed or assured return to its Investors.

In accordance with Regulation 18(15A) of the SEBI (MF) Regulations and Clause 1.14.1.4 of SEBI
Master Circular for Mutual Funds dated May 19, 2023 the Trustees shall ensure that no change in
the fundamental attributes of the Scheme(s) and the Plan(s) / Option(s) thereunder or the trust or
fee and expenses payable or any other change which would modify the Scheme(s) and the
Plan(s) / Option(s) thereunder and affect the interests of Unitholders is carried out unless:

SEBI has reviewed and provided its comments on the proposal

A written communication about the proposed change is sent to each Unitholder and an advertisement
is given in one English daily newspaper having nationwide circulation as well as in a newspaper
published in the language of the region where the Head Office of the Mutual Fund is situated;
and

The Unitholders are given an option for a period of atleast 30 calendar days to exit at the prevailing
Net Asset Value without any exit load.

D. Index methodology (for index funds, ETFs and FOFs having one underlying domestic
ETF)- Not Applicable

E. Principles of incentive structure for market makers (for ETFs): Not Applicable

F. Floors and ceiling within a range of 5% of the intended allocation against each sub class of
asset, as per clause 13.6.2 of SEBI master circular for mutual funds dated May 19, 2023 (only
for close ended debt schemes): Not Applicable

39
G. Other Scheme Specific Disclosures:

Listing and transfer of units The Scheme being open-ended, the Units are not proposed to
be listed on any stock exchange. However, the AMC may, at
its sole discretion, list the Units on one or more stock
exchanges at a later date.

The Units under the Scheme are transferable, however,


additions/deletion of names will not be allowed under any
folio of the Scheme.

The above provisions in respect of deletion of names will


not be applicable in case of death of Unit Holder (in respect
of joint holdings) as this will be treated as transmission of
Units and not transfer.

The Units held in dematerialized form can be transferred and


transmitted in accordance with the provisions of SEBI
(Depositories and Participants) Regulations, 2008, as may
be amended from time to time. The delivery instructions for
transfer of Units will have to be lodged with the Depository
Participant in the prescribed form and transfer will be
effected in accordance with such rules/regulations as may be
in force governing transfer of securities in dematerialized
form. The Units held in demat mode can be pledged and
hypothecated as per the provisions of Depositories Act and
Rules and Regulations framed by Depositories.

Dematerialization of units Pursuant to paragraph 14.4.2 of the SEBI Master Circular


for Mutual Funds dated May 19, 2023; the unit holders of
the scheme shall be provided an option to hold units in
demat form in addition to physical form.
Unit Holders opting to hold the Units in Demat form must
provide their Demat Account details in the specified section
of the Application Form. The Unit Holder intending to hold
the units in Demat form is required to have a beneficiary
account with the Depository Participant (DP) registered with
NSDL/CDSL and will be required to indicate in the
Application Form, the DP’s name, DP ID Number and the
beneficiary account number of the applicant with the DP. In
case of Unit Holders who do not provide their Demat
Account details, an Account Statement shall be sent to them.

The Unit holders would have an option to hold the Units in


dematerialized form. Accordingly, the Units of the Scheme
will be available in dematerialized (electronic) form. The
Applicant intending to hold Units in dematerialized form
will be required to have a beneficiary account with a

40
Depository Participant (DP) of the NSDL/CDSL and will be
required to mention in the application form DP's Name, DP
ID No. and Beneficiary Account No. with the DP at the time
of purchasing Units during the NFO.

Further, investors also have an option to convert their physical


holdings into the dematerialised mode at a later date. 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.

Option to hold unit in demat form Pursuant to paragraph 14.4.2 of SEBI Master Circular
for Mutual Funds dated May 19, 2023; the unit holders
of the scheme shall be provided an option to hold units
in demat form in addition to physical form.

The Unit holders would have an option to hold the Units


in dematerialized form. Accordingly, the Units of the
Scheme will be available in dematerialized (electronic)
form. The Applicant intending to hold Units in
dematerialized form will be required to have a
beneficiary account with a Depository Participant (DP)
of the NSDL/CDSL and will be required to mention in the
application form DP's Name, DP ID No. and Beneficiary
Account No. with the DP at the time of purchasing Units
during the NFO.

Further, investors also have an option to convert their


physical holdings into the dematerialised mode at a
later date. 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.

41
Minimum Target amount Not applicable.
(This is the minimum amount required
to operate the scheme and if this is not
collected during the NFO period, then
all the investors would be refunded
the amount invested
without any return.)
Maximum Amount to be raised (if No upper limit.
any)
Dividend Polic y ( IDCW ) The Trustee reserves the right to declare IDCW under the IDCW
option of the Scheme depending on the net distributable surplus
available under the Scheme.

The procedure and manner of payment of IDCW shall be in line


with Chapter 11 of SEBI Master Circular for Mutual Funds dated
May 19, 2023, as amended from time to time.

Investors are requested to note that amounts can be distributed


out of investors capital (Equalization Reserve), which is part of
sale price of the unit that represents realized gains.

Allotment (Detailed procedure) The scheme is offered on an ongoing basis. Allotment will be
made to all applicants provided the applications are complete in
all respects and are in order. The allotment confirmation will be
sent to the investors / unit holders registered email address and /
or mobile number. The allotment details shall get reflected in the
Consolidated Account Statement (CAS) sent by email / mail on
or before 15th of the succeeding month. Application for issue of
Units will not be binding on the fund and may be rejected on
account of failure to fulfill the requirements as specified in the
application form.

Dispatch of Unit statements of account will be made as soon as


possible and in accordance with the Regulations

Refund This is not a new fund offer. The scheme is offered on an ongoing
basis.

Who can invest Prospective investors are advised to satisfy themselves


This is an indicative list and investors that they are not prohibited by any law governing such
shall consult their financial advisor to entity and any Indian law from investing in the Scheme and
ascertain whether the scheme is are authorized to purchase units of mutual funds as per
suitable to their risk profile. their respective constitutions, charter documents,
corporate / other authorisations and relevant statutory
provisions.

The following is an indicative list of persons who are


generally eligible and may apply for subscription to the
Units of the Scheme:
• Indian resident adult individuals, either singly or jointly
(not exceeding three);
• Minor through parent / lawful guardian; (please see the

42
note below)
• Companies, bodies corporate, public sector
undertakings, association of persons or bodies of
individuals and societies registered under the Societies
Registration Act, 1860;
• Religious and Charitable Trusts, Wakfs or endowments
of private trusts (subject to receipt of necessary approvals
as required) and Private Trusts authorised to invest in
mutual fund schemes under their trust deeds;
• Partnership Firms constituted under the Partnership Act,
1932;
• A Hindu Undivided Family (HUF) through its Karta;
• Banks (including Co-operative Banks and Regional Rural
Banks) and Financial Institutions;
• Non-Resident Indians (NRIs) / Persons of Indian Origin
(PIO) on full repatriation basis or on non-repatriation basis.

Prospective investors are advised to note that the SID /


SAI / KIM does not constitute distribution, an offer to buy
or sell or solicitation of an offer to buy or sell Units of the
Fund in any jurisdiction in which such distribution, sale or
offer is not authorized as per applicable law. Any investor
by making investment in SBI Mutual Fund confirms that he
is an eligible investor to make such investment(s) and
confirms that such investment(s) has been made in
accordance with applicable law;

• Foreign Portfolio Investor


• Army, Air Force, Navy and other para-military funds and
eligible institutions;
• Scientific and Industrial Research Organisations;
• Provident / Pension / Gratuity and such other Funds as
and when permitted to invest;
• International Multilateral Agencies approved by the
Government of India / RBI; and
• The Trustee, AMC or Sponsor or their associates (if
eligible and permitted under prevailing laws).
• A Mutual Fund through its schemes, including Fund of
Funds schemes.
• Such other individuals, entities etc. as may be decided
by the Mutual Fund / Trustees from time to time, so long
as wherever applicable they are in conformity with
applicable laws / Regulations

Note: Following is the process for investments made in the


name of a Minor through a Guardian:

- Payment for investment by means of Cheque any other


mode shall be accepted from the bank account of the
minor or parent or legal guardian of the minor, or from a joint
account of the minor with parent or legal guardian.

43
- Mutual Fund will send an intimation to Unit holders
advising the minor (on attaining majority) to submit an
application form along with prescribed documents to
change the status of the account from ‘minor’ to ‘major’.
- All transactions / standing instructions / systematic
transactions etc. will be suspended i.e. the Folio will be
frozen for operation by the guardian from the date of
beneficiary child completing 18 years of age, till the status
of the minor is changed to major. Upon the minor attaining
the status of major, the minor in whose name the
investment was made, shall be required to provide all the
KYC details, updated bank account details including
cancelled original cheque leaf of the new bank account.
- No investments (lumpsum/SIP/ switch in/ STP in etc.) in
the scheme would be allowed once the minor attains
majority i.e. 18 years of age.

Notes:
1. Non Resident Indians and Persons of Indian Origin
residing abroad (NRIs) / Foreign Portfolio Investors (FPIs)
have been granted a general permission by Reserve Bank
of India [Schedule 5 of the Foreign Exchange
Management (Transfer or Issue of Security by a Person
Resident Outside India) Regulations, 2000 for investing in
/ redeeming units of the mutual funds subject to conditions
set out in the aforesaid regulations.
2. In case of application under a Power of Attorney or by
a limited company or a corporate body or an eligible
institution or a registered society or a trust fund, the
original Power of Attorney or a certified true copy duly
notarised or the relevant resolution or authority to make
the application as the case may be, or duly notarised copy
thereof, alongwith a certified copy of the Memorandum
and Articles of Association and/or bye-laws and / or trust
deed and / or partnership deed and Certificate of
Registration should be submitted. The officials should sign
the application under their official designation. A list of
specimen signatures of the authorised officials, duly
certified / attested should also be attached to the
Application Form. In case of a Trust / Fund it shall submit
a resolution from the Trustee(s) authorizing such
purchases. Applications not complying with the above are
liable to be rejected.
3. Returned cheques are liable not to be presented again
for collection, and the accompanying application forms are
liable to be rejected.

Who cannot invest Who cannot invest:


It should be noted that the following entities cannot invest
in the scheme:
1. Any individual who is a Foreign National, except for Non

44
–Resident Indians and Persons of Indian Origin (who are
not residents of United States of America or Canada),
provided such Foreign National has procured all the
relevant regulatory approvals applicable and has complied
with all applicable laws, including but not limited to and
pertaining to anti money laundering, know your customer
(KYC), income tax, foreign exchange management (the
Foreign Exchange Management Act, 1999 and the Rules
and Regulations made thereunder) , in the sole discretion
and to the sole satisfaction of SBI Funds Management
Limited. SBI Funds Management Limited in its capacity as
an asset manager to the SBI Mutual Fund reserves the
right to amend/terminate this facility at any time, keeping
in view business/operational exigencies.
2. Overseas Corporate Bodies (OCBs) shall not be
allowed to invest in the Scheme. These would be firms and
societies which are held directly or indirectly but ultimately
to the extent of at least 60% by NRIs and trusts in which
at least 60% of the beneficial interest is similarly held
irrevocably by such persons (OCBs)
3. Residents of United States of America and Canada.
4. Such other persons as may be specified by AMC from
time to time

SBIMFTCPL reserves the right to include / exclude new /


existing categories of investors to invest in the Scheme
from time to time, subject to SEBI Regulations and other
prevailing statutory regulations, if any.

Subject to the Regulations, any application for Units may


be accepted or rejected in the sole and absolute discretion
of the Trustee. For example, the Trustee may reject any
application for the Purchase of Units if the application is
invalid or incomplete or if, in its opinion, increasing the size
of any or all of the Scheme's Unit capital is not in the
general interest of the Unit holders, or if the Trustee for
any other reason does not believe that it would be in the
best interest of the Scheme or its Unit holders to accept
such an application.

The AMC / Trustee may need to obtain from the investor


verification of identity or such other details relating to a
subscription for Units as may be required under any
applicable law, which may result in delay in processing the
application. Applications not complete in any respect are
liable to be rejected.

45
How to Apply and other details Please refer to the SAI and Application form for the
instructions. However, investors are advised to fill up the
details of their bank account numbers on the application
form in the space provided. In order to protect the
interest of the Unit holders from fraudulent encashment
of cheques, SEBI has made it mandatory for investors
in mutual funds to state their bank account numbers in
their applications. It may be noted that, in case of those
unit holders, who hold units in demat form, the bank
mandate available with respective Depository
Participant will be treated as the valid bank mandate for
the purpose of payout at the time of maturity or at the
time of any corporate action. SEBI has also made it
mandatory for investors to mention their Permanent
Account Number (PAN) transacting in the units of SBI
Mutual Fund, irrespective of the amount of transaction.
Please also note that the KYC is compulsory for making
investment in mutual funds schemes irrespective of the
amount, for details please refer to SAI. Please note that
Applications complete in all respects together with
necessary remittance may be submitted before the
closing of the offer at any SBIFML Branches, SBI MF
Corporate Office or other such collecting centers as may
be designated by AMC. The application amount in
cheque shall be payable to “SBI Multicap Fund”. The
Cheques should be payable at the Centre where the
application is lodged. No outstation cheques or stock
invests will be accepted.

Investors are requested to note that application form is


available with Investor Service Centres(ISCs)/Official Points
of Acceptance (OPAs) of SBI Mutual Fund or can be
downloaded from our website https://www.sbimf.com/forms .
The list of the Investor Service Centres (ISCs)/Official Points
of Acceptance (OPAs) is also available on
https://www.sbimf.com/contact-us .

The policy regarding reissue of Presently, the AMC does not intend to reissue the
repurchased units, including the repurchased/redeemed Units.
maximum extent, the manner of reissue,
the entity (the scheme or the The Trustee reserves the right to reissue the repurchased Units at a later
AMC) involved in the same. date after issuing adequate public notices and taking approvals, if any,
from SEBI.
Restrictions, if any, on the right to The Units under the Scheme are transferable however,
freely retain or dispose of units being additions/deletion of names will not be allowed under any folio of
offered. the Scheme.

The above provisions in respect of deletion of names will not be


applicable in case of death of Unit Holder (in respect of joint
holdings) as this will be treated as transmission of Units and not
transfer.

The Units held in dematerialized form can be transferred and

46
transmitted in accordance with the provisions of SEBI (Depositories
and Participants) Regulations, 2008, as may be amended from time
to time. The delivery instructions for transfer of Units will have to
be lodged with the Depository Participant in the prescribed form and
transfer will be effected in accordance with such rules/regulations
as may be in force governing transfer of securities in dematerialized
form. The Units held in demat mode can be pledged and
hypothecated as per the provisions of Depositories Act and Rules
and Regulations framed by Depositories.
Cut off timing for subscriptions/ 3.00 pm
redemptions/ switches

This is the time before which your


application (complete in all respects)
should reach the official points of
acceptance.
Minimum amount for Rs. 5000/- & in multiples of Re.1
purchase/redemption/switches
The Mutual Fund reserves the right to alter the minimum subscription
amount under the scheme.

The minimum amount of repurchase is Rs. 500/- or 1 Unit or account


balance whichever is lower.

Switch In - Investments in the scheme from any other existing


scheme(s) of SBI Mutual Fund at applicable NAV.

Switch Out - Repurchase/Redemption from the scheme to any other


existing scheme(s) of SBI Mutual Fund at applicable NAV.

Note – For investments made by designated employees of SBI Funds


Management Limited in terms of paragraph 6.10 of the SEBI Master
Circular for Mutual Funds dated May 19, 2023, requirement for
minimum application/ redemption amount will not be applicable

47
Accounts Statements The AMC shall send an allotment confirmation specifying
the units allotted by way of email and/or SMS within 5
working days of receipt of valid application/transaction to
the Unit holders registered e-mail address and/ or mobile
number.

Pursuant to Regulation 36 of the SEBI Regulation, the


following shall be applicable with respect to account
statement:

The asset management company shall ensure that


consolidated account statement for each calendar month
is issued, on or before fifteenth day of succeeding month,
detailing all the transactions and holding at the end of the
month including transaction charges paid to the distributor,
across all schemes of all mutual funds, to all the investors
in whose folios transaction has taken place during that
month:

Provided that the asset management company shall


ensure that a consolidated account statement every half
yearly (September/ March) is issued, on or before twenty
first day of succeeding month, detailing holding at the end
of the six months and commission paid to the distributor,
across all schemes of all mutual funds, to all such
investors in whose folios no transaction has taken place
during that period.

• Provided further that the asset management company


shall identify common investor across fund houses by
their permanent account number for the purposes of
sending consolidated account statement.
• Account Statements for investors holding demat
accounts: Subsequent account statement may be
obtained from the depository participants with whom the
investor holds the DP account.
• The asset management company shall issue units in
dematerialized form to a unitholder of the Scheme
within two working days of the receipt of request from
the unitholder.

In terms of SEBI Circular No. IR/MRD/DP/31/2014 dated


November 12, 2014 on Consolidated Account Statement,
investors having Demat account has an option to receive
consolidated account statement:

• Investors having MF investments and holding securities


in Demat account shall receive a single Consolidated
Account Statement (CAS) from the Depository.

• Consolidation of account statement shall be done on the

48
basis of Permanent Account Number (PAN). In case of
multiple holding, it shall be PAN of the first holder and
pattern of holding. The CAS shall be generated on a
monthly basis.

• If there is any transaction in any of the Demat accounts


of the investor or in any of his mutual fund folios,
depositories shall send the CAS within fifteen days from
the month end. In case, there is no transaction in any of
the mutual fund folios and demat accounts then CAS with
holding details shall be sent to the investor on half yearly
basis.

• In case an investor has multiple accounts across two


depositories, the depository with whom the account has
been opened earlier will be the default depository.

If the Unit holder desires to hold the Units in a


Dematerialized/ Rematerialized form at a later date, the
request for conversion of units held in Account Statement
(non demat) form into Demat (electronic) form or vice
versa should be submitted alongwith a Demat/Remat
Request Form to their Depository Participants. However,
the Trustee / AMC reserves the right to change the
dematerialization / rematerialization process in
accordance with the procedural requirements laid down by
the Depositories, viz. NSDL/ CDSL and/or in accordance
with the provisions laid under the Depositories Act, 1996
and the Regulations thereunder.

Investors will be issued a Unit Statement of Account in


accordance with the Regulations. All Units will rank pari
passu, among Units within the same Option in the
Scheme concerned as to assets, earnings and the receipt
of Income Distribution cum capital withdrawal (IDCW)
distributions, if any, as may be declared by the Trustee
Dividend/ IDCW
The payment of IDCW to the unitholders shall be made within
seven working days from the record date.

In the event of failure to dispatch IDCW within the stipulated


period, the AMC shall be liable to pay interest @ 15% per
annum to the Unitholders from the record date.

The IDCW proceeds will be paid by way of NEFT / RTGS /


Direct credits / any other electronic manner by directly
crediting the bank account linked to the demat account
depending on the mode of receipt of IDCW proceeds chosen
by the Unit holder.

Investors residing in such places where Electronic Clearing


Facility is available will have the option of receiving their
IDCW directly into their specified bank account through ECS.

49
In such a case, only an advice of such a credit will be mailed
to the investors.

Redemption Under normal circumstances, the transfer of redemption or


repurchase proceeds shall be dispatched to the unitholders
within 3 working days from the date of redemption or
repurchase.

Further, in exceptional situations additional timelines in line


with AMFI letter no. AMFI/35P/MEM -COR/74/2022-23 dated
January 16, 2023 will be applicable for transfer of redemption
or repurchase proceeds to the unitholders.
Bank Mandate As per the directives issued by SEBI it is mandatory for an
investor to declare his/her bank account number. To
safeguard the interest of Unitholders from loss or theft of
their refund orders/redemption cheques, investors are
requested to provide their bank details in the Application
Form. The Bank Account details as mentioned with the
Depository should be mentioned.

If depository account details furnished in the application


form are invalid or not confirmed in the depository system,
the application may be rejected.
Delay in payment of redemption / The Asset Management Company shall be liable to pay interest
repurchase proceeds/dividend to the unitholders at rate as specified vide clause 14.2 of SEBI
Master Circular for Mutual Funds dated May 19, 2023 by
SEBI for the period of such delay presently @ 15% per annum).

Unclaimed Redemption and Income In line with SEBI master circular No. SEBI/HO/IMD/IMD-PoD-
Distribution cum Capital Withdrawal 1/P/CIR/2023/74 dated May 19, 2023, unclaimed redemption
Amount and IDCW amounts are being deployed by the mutual funds in
call money market or money market instruments only and the
investors who claim these amounts during a period of three
years from the due date shall be paid at the prevailing Net
Asset Value. After a period of three years, this amount is being
transferred to a pool account and the investors can claim the
amount at NAV prevailing at the end of the third year. The
income earned on such funds may be used for the purpose of
investor education. The AMC would make continuous effort to
remind the investors through letters to take their unclaimed
amounts. The investment management fee charged by the
AMC for managing unclaimed amounts shall not exceed 50
basis points.

Further in accordance with SEBI Circular no.


SEBI/HO/IMD/IMD-PoD-1/P/CIR/2023/74 dated May 31,
2023, list of Investors in whose folios there are unclaimed
IDCW / redemption amount is disclosed on the website of SBI
MF (www.sbimf.com).

Disclosure w.r.t investment by minors Following is the process for investments made in the name of
a Minor through a Guardian:

50
- Payment for investment by means of Cheque, or any other
mode shall be accepted from the bank account of the minor or
parent or legal guardian of the minor, or from a joint account
of the minor with parent or legal guardian..
- Mutual Fund will send an intimation to Unit holders advising
the minor (on attaining majority) to submit an application form
along with prescribed documents to change the status of the
account from ‘minor’ to ‘major’.
- All transactions / standing instructions / systematic
transactions etc. will be suspended i.e. the Folio will be frozen
for operation by the guardian from the date of beneficiary child
completing 18 years of age, till the status of the minor is
changed to major. Upon the minor attaining the status of major,
the minor in whose name the investment was made, shall be
required to provide all the KYC details, updated bank account
details including cancelled original cheque leaf of the new
bank account.
- No investments (lumpsum/SIP/ switch in/ STP in etc.) in the
scheme would be allowed once the minor attains majority i.e.
18 years of age.
Plans / Options offered The Scheme has two plans viz. Regular plan & Direct plan.

Direct Plan:

Direct Plan is only for investors who purchase /subscribe


Units in a Scheme directly with the Mutual Fund or through
Registered Investment Advisor (RIA) and is not available
for investors who route their investments through a
Distributor. All the features of the Direct Plan under
Scheme like the investment objective, asset allocation
pattern, investment strategy, risk factors, facilities offered,
load structure etc. will be the same except for a lower
expense ratio as detailed in Section IV – Fees and
Expenses – B. – Annual Recurring Expenses of the
SID. Brokerage/Commission paid to distributors will not be
paid / charged under the Direct Plan. Both the plans shall
have a common portfolio.

Eligible investors: All categories of investors as permitted


under the Scheme Information Document of the Scheme
are eligible to subscribe under Direct Plan

Modes for applying: Investments under Direct Plan can


be made through various modes offered by the Mutual
Fund for investing directly with the Mutual Fund.

How to apply:
• Investors desirous of subscribing under Direct Plan of
a Scheme will have to ensure to indicate “Direct Plan”
against the Scheme name in the application form.

51
• Investors should also indicate “Direct” in the ARN
column of the application form.

Regular Plan:

This Plan is for investors who wish to route their investment


through any distributor.

In case of Regular and Direct plan the default plan under


following scenarios will be:

Scen Broker Code Plan Default


ario mentioned mentioned Plan to be
by the by the captured
investor investor
1 Not Not Direct Plan
mentioned mentioned
2 Not Direct Direct Plan
mentioned
3 Not Regular Direct Plan
mentioned
4 Mentioned Direct Direct Plan
5 Direct Not Direct Plan
Mentioned
6 Direct Regular Direct Plan
7 Mentioned Regular Regular
Plan
8 Mentioned Not Regular
Mentioned Plan

In cases of wrong/ invalid/ incomplete ARN codes


mentioned on the application form, the application shall be
processed under Direct Plan.

Both plans provide two options for investment – Growth


Option and Income Distribution cum capital withdrawal
(IDCW) Option. Under the IDCW option, facility for Payout
of Income Distribution cum capital withdrawal option
(IDCW Payout), Reinvestment of Income Distribution cum
capital withdrawal option (IDCW Re-investment) &
Transfer of Income Distribution cum capital withdrawal
plan (IDCW Transfer) is available. Between “Growth” or
“IDCW ” option, the default will be treated as “Growth”. In
“IDCW” option between “IDCW Payout” or “IDCW
Reinvestment” or “IDCW Transfer”, the default will be
treated as “IDCW Reinvestment”.

Investor can select only one option either IDCW payout or


IDCW Reinvestment or IDCW Transfer in IDCW plan at a

52
Scheme and folio level. Any subsequent request for
change in IDCW option viz. IDCW Payout to IDCW
Reinvestment or IDCW Transfer or vice-versa would be
processed at the Folio / Scheme level and not at individual
transaction level. Accordingly, any change in IDCW option
(payout / reinvestment) will reflect for all the units held
under the scheme / folio.

Note - If the payable IDCW amount is less than or equal


to Rs. 150/-, the same will be compulsorily reinvested in
the respective Scheme(s)/Plan(s)/Option(s) irrespective
of the IDCW facility selected by investor. If the IDCW
amount payable is greater than Rs. 150/- then it will be
either reinvested or paid as per the mandate selected by
the investor
Special Products (i) Systematic Investment Plan

For investors, the fund offers a Systematic Investment


Plan (SIP) at all our Official point of acceptance of SBI
MF’s locations. Under this Facility, an investor can invest
a fixed amount per frequency. This facility will help the
investor to average out their cost of investment over a
period of six months or one year and thus overcome the
short-term fluctuations in the market.

The Scheme offers Daily, weekly, Monthly, Quarterly,


Semi-Annual & Annual Systematic Investment Plan.

a) Terms and conditions for Daily SIP are as follows:

1. Minimum Investment Amount: INR 500 and


multiples of INR 1 thereafter. Minimum number of
instalments would be 12.
2. SIP Top up facility would not be available under
this facility
3. Investors enrolling for Daily SIP should select “As
& when presented” as payment frequency in the
OTM.

b) Terms & conditions for Monthly, Quarterly ,


Semi-Annual and Annual Systematic investment plan
are as follows:
• Monthly – Minimum Rs. 1000 & in multiples of Re.
1 thereafter for minimum 6 months or Minimum
Rs. 500 & in multiples of Re. 1 thereafter for
minimum 12 months
• Quarterly - Minimum Rs. 1500 & in multiples of Re.
1 thereafter for minimum 1 year
• Semi-annual and Annual Systematic Investment
Plan - Minimum amount of investment will be Rs.
3,000 and in multiples of Re.1 thereafter for Semi-

53
Annual SIP & Rs. 5,000 and in multiples of Re.1
thereafter in case of Annual SIP. Minimum number
of installments will be 4.

c) Weekly Systematic Investment Plan

The terms & conditions for the weekly SIP are as follows:

• Minimum amount for weekly SIP :


- Rs. 1000 and in multiples of Re.1 thereafter with
minimum number of 6 installments.
• Rs. 500 and in multiples of Re.1 thereafter with
minimum number of 12 installments
• Date based feature - Weekly SIP will be done on
1st, 8th, 15th & 22nd of the month
1) In Day based feature, investors may select any Day of
the Week viz. Monday/ Tuesday/ Wednesday/
Thursday/ Friday on which Weekly SIP/STP/SWP
instalment shall be processed and in case any of these
days is a non-business day then the immediate next
business day will be considered for processing.

2) In case investor selects Weekly frequency and also


selects both Day based and Date -based Weekly SIP,
default will be considered as ‘Day based Weekly SIP.

3) In case investor selects Weekly frequency and does


not select Day based or Date -based Weekly SIP,
default will be considered as ‘Day based Weekly SIP.

4) If investor selects Day based Weekly SIP but does not


mention ‘Day’ on which the Weekly SIP instalment to
be processed, then ‘Wednesday’ will be considered as
the default Day.

5) In case start date is mentioned but end date is not


mentioned, the application will be registered for
perpetual period.
• In case start date is mentioned but end date is not
mentioned, the application will be registered for
perpetual period.

Default option between Daily, weekly, monthly, quarterly,


semi-annual and annual SIP will be Monthly.
The Trustees / AMC reserve the right to modify or
discontinue this facility at any time in future on prospective

54
basis.

d) Any Day SIP’ Facility


Under ‘Any Day SIP facility’, investor can register SIP for
any day for the frequencies i.e. Monthly, Quarterly, Semi-
Annual and Annual through electronic mode like OTM /
Debit Mandate. Accordingly, under ‘Any Day SIP facility’,
investors can select any date from 1st to 30th of a month
as SIP date (for February, the last business day would be
considered if SIP date selected is 29th & 30th of a month).
Default SIP date will be 10th. In case the SIP due date is
a Non Business Day, then the immediate following
Business Day will be considered for SIP processing.

The AMC provides SIP debit facility through NACH


participating banks and select direct debit banks

Completed application form, SIP debit mandate form and


the first cheque should be submitted at least 20 days
before the transaction date. Investors should mandatorily
give a cheque for the first transaction drawn on the same
bank account.

The application form, mandate form along with the


cancelled cheque / photocopy of the cheque should be
sent to Official point of acceptance of SBI MF.

Existing investors are required to submit only the SIP


Debit mandate form indicating the existing folio number
and the investment details as in the SIP debit form along
with the first cheque and the Cancelled cheque /
Photocopy of the cheque.

• Fixed-end Period SIP

Investors can opt for a SIP for a period of 3 years, 5


years, 10 years, and 15 years in addition to the existing
end date & perpetual SIP options.

Terms and conditions of Fixed-end period for SIP are


as follows:

• If the investor does not specify the end date of


SIP, the default period for the SIP will be
considered as perpetual.
• If the investor does not specify the date of SIP,
the default date will be considered as 10th of
every month.

55
• If the investor does not specify the frequency of
SIP, the default frequency will be considered as
Monthly.
• If the investor does not specify the plan option,
the default option would be considered as Growth
option.
If investor specifies the end date and also the fixed end
period, the end date would be considered.

Top-up SIP Facility:

Top-up SIP is a facility whereby an investor has an option


to increase the SIP instalment by a fixed amount or based
on a fixed percentage at pre-defined intervals. This will
enhance the flexibility of the investor to invest higher
amounts during the tenure of the SIP.
Terms and conditions of Top-up SIP facility are as follows:
1. Investors can either opt for fixed amount SIP Top-up
or percentage SIP Top-Up option. In case investors
selects both the options, percentage based SIP Top-
Up option would be made applicable. In case the
investor selects multiple percentage SIP Top-up
options under percentage based SIP Top-Up option,
the lower percentage would be considered.
2. The minimum SIP Top-up amount under fixed amount
SIP Top-up is Rs. 500 and in multiples of Rs. 500. The
minimum Top-up percentage would be 5% of the SIP
amount and in multiples of 5% thereof.
3. If the Top-up % is not in multiples of 5, it will be
rounded down to nearest multiple of 5. The Top-up
amount would be rounded off to the nearest Rs. 10.
4. Percentage SIP Top-up would be computed on the
immediately preceding SIP instalment value as on the
SIP Top-Up trigger date.
5. The Top-up details cannot be modified once enrolled.
In order to make any changes, the investor must
cancel the existing SIP and enroll for a fresh SIP with
Top-up option.
6. In case of Monthly SIP, Half-yearly as well as Yearly
frequency are available for Top-up. If the investor
does not specify the frequency, the default frequency
for Top-up will be considered as Half-yearly.
7. In case of Quarterly SIP, only the Yearly frequency is
available for Top-up.
8. Top up facility will not be applicable for SIP
frequencies other than Monthly & Quarterly. SIP Top-
up facility will be allowed in all schemes in which SIP
facility is being offered.

56
9. All other terms & conditions applicable for regular SIP
will also be applicable to Top-up SIP.
10. The AMC/Trustee reserves the right to terminate or
modify the conditions of the Facility at its discretion.

Top-up SIP Cap Facility:

Under this option, post selecting SIP Top-up option, the


investor can define the maximum SIP Top-up Cap,
beyond which the SIP instalment will not increase in
future. The investor shall have the flexibility to choose
either Top-Up SIP Cap amount or Top-Up SIP Cap
Month-Year. In case of multiple selection, Top-Up SIP
Cap amount will be considered as default selection.

Terms and conditions of Top-up SIP Cap facility are as


follows:
1. Top-up SIP Cap Amount: Investor has an option to
fix the Top-up SIP amount i.e. maximum SIP instalment
including Top-Up amount. The pre-defined amount
should be equal to or lesser than the maximum amount
mentioned by the investor in One Time Mandate Form
(OTM). The instalment amount after Top-up shall not
exceed the amount mentioned in OTM at any given time.
2. In case of difference between the Top-Up SIP Cap
Amount & OTM Debit Mandate, then amount which is
lower of the two shall be considered as the Top-up SIP
Cap amount.
3. If SIP amount (including SIP Top-up amount)
reaches the Top-up Cap before the end of SIP tenure,
the SIP Top up will cease and SIP instalment amount will
remain constant for remaining SIP Tenure.
4. Top-up SIP Cap Month-Year: It is the month from
which SIP Top-up amount will cease and last SIP
instalment including Top-Up amount will remain constant
till the end of SIP tenure.
5. If none of the above options is selected by the
investor, the SIP Top-up will continue as per the SIP end
date subject to the maximum amount mentioned in OTM
Form.

6. The AMC/Trustee reserves the right to terminate


or modify the conditions of the Facility at its discretion.

(ii) Systematic Withdrawal Plan


Under SWP, a minimum amount of Rs. 500/- can be
withdrawn every month or quarter or weekly or half yearly

57
or on an annual basis by indicating in the application form
or by issuing advance instructions to the Registrar at any
time. Investors may indicate the month and year from
which SWP should commence along with the frequency.
SWP can be processed on any day of the month in case
of all the other frequencies other than weekly SWP and 1st
/ 8th / 15th / 22nd of every month in case of Weekly SWP
(Date based feature) and payment would be credited to
the registered bank mandate account of the investor
through Direct Credit or cheques would be issued. In case
any of these days is a nonbusiness day then the
immediately next business day will be considered. If no
date is mentioned, 10th will be considered as the default
date.

In Day based feature, investors may select any Day of the


Week viz. Monday/ Tuesday/ Wednesday/ Thursday/
Friday on which Weekly SWP instalment shall be
processed and in case any of these days is a non-
business day then the immediate next business day will
be considered for processing.

In case investor selects Weekly frequency and also


selects both Day based and Date -based Weekly SWP,
default will be considered as ‘Day based Weekly SWP’.

In case investor selects Weekly frequency and does not


select Day based or Date -based Weekly SWP, default will
be considered as ‘Day based Weekly SWP’.

If investor selects Day based Weekly SWP but does not


mention ‘Day’ on which the Weekly SWP instalment to be
processed, then ‘Wednesday’ will be considered as the
default Day.
If no frequency mentioned, ‘Monthly’ will be considered as
the default frequency. If ‘End date’ not mentioned, the
same will be considered as ‘Perpetual’.

SWP entails redemption of certain number of Magnums /


Unit that represents the amount withdrawn. Thus it will be
treated as capital gains for tax purposes. The complete
application form for enrolment / termination for SWP
should be submitted, at least 10 days prior to the desired
commencement/ termination date.

Any Day SWP’ Facility - Investors are requested to note


that ‘Any Day SWP facility’ is applicable for all the eligible
open-ended schemes of SBI Mutual Fund. Under ‘Any
Day SWP facility’, investor can register SWP for any day
for the frequencies i.e. Monthly, Quarterly, Semi-Annual
and Annual. Accordingly, under ‘Any Day SWP facility’,

58
investors can select any date from 1st to 30th of a month
as SWP date (for February, the last business day would
be considered if SWP date selected is 29th & 30th of a
month). In case the SWP due date is a Non Business Day,
then the immediate following Business Day will be
considered for SWP processing. For weekly frequency,
SWP will continue to remain available only on 1st / 8th /
15th / 22nd of every month.

(iii) Systematic Transfer Plan

Systematic Transfer Plan is a combination of systematic


withdrawal from one scheme and systematic investment
into another scheme. Therefore the minimum amount of
withdrawals applicable under SWP would be applicable to
STP also. Similarly the minimum investments applicable
for each scheme under SIP would be applicable to STP.
The complete application form for enrolment / termination
for STP should be submitted, at least 7 days prior to the
desired commencement/ termination date. STP facility
would allow investors to transfer a predetermined amount
or units from one scheme of the Mutual Fund to the other.
The transfer would be effected on any business day as
decided by the investor at the time of opting for this facility.
STP would be permitted for a minimum period of six
months between two schemes. The transfer would be
affected on the same date of every month (or on the
subsequent business day, if the date of first transfer is a
holiday) on which the first transfer was affected. STP can
be terminated by giving advance notice to the Registrars.

STP is available in all open-ended schemes as source and


target schemes (except Daily/Weekly IDCW Options of all
schemes as both source and target schemes) for STPs of
all available frequencies.

Terms and conditions of monthly & quarterly STP:

STP would be permitted for a minimum period of six


months between two schemes. The transfer would be
affected on the same date of every month (or on the
subsequent business day, if the date of transfer is a
holiday) on which the first transfer was affected. STP can
be terminated by giving advance notice of minimum 7 days
to the Registrars. In respect of STP transactions, an
investor would now be permitted to transfer any amount
from the switchout scheme, subject to:

Monthly – Minimum Rs. 1000 & in multiples of Re. 1


thereafter for minimum 6 months or Minimum Rs. 500 &
in multiples of Re. 1 thereafter for minimum 12 months

59
Quarterly - Minimum Rs. 1500 & in multiples of Re. 1
thereafter for minimum 1 year
Where, SBI Long Term Equity Fund is the target scheme,
Minimum number of installments for monthly STP &
quarterly STP shall be 6.

STP can be done without any restriction on maintaining


the minimum balance requirement as stipulated for the
switch out scheme.

Terms and conditions of daily & weekly STP:

1. Under this facility, investor can transfer a


predetermined amount from one scheme (Source
Scheme) to the other scheme (Target Scheme) on daily
basis / weekly basis.
2. Minimum amount of STP for SBI Long Term Equity
Fund will be Rs. 500 & in multiples of Rs. 500 for both daily
& weekly STP and for other funds the minimum amount of
STP will be Rs. 500 & in multiple of Re. 1 for daily STP &
Rs. 1000 & in multiple of Re. 1 for weekly STP.
3. Minimum number of installments will be 12 for daily STP
& 6 for weekly STP. Where SBI Long Term Equity Fund is
the target scheme, Minimum number of installments for
daily STP & for weekly STP shall be 6.
4. Weekly STP will be done on 1st, 8th, 15th & 22nd of
every month (Date based STP). In case any of these days
is a non business day then the immediate next business
day will be considered.
5. The complete application form for enrolment /
termination for STP should be submitted, at least 7 days
prior to the desired commencement/ termination date.
6. In Day based feature, investors may select any Day of
the Week viz. Monday/ Tuesday/ Wednesday/
Thursday/ Friday on which Weekly STP instalment
shall be processed and in case any of these days is a
non-business day then the immediate next business
day will be considered for processing.
7. In case investor selects Weekly frequency and also
selects both Day based and Date -based Weekly STP,
default will be considered as ‘Day based Weekly STP.
8. In case investor selects Weekly frequency and does
not select Day based or Date -based Weekly STP,
default will be considered as ‘Day based Weekly
SIP/STP/SWP’.
9. If investor selects Day based Weekly STP but does not
mention ‘Day’ on which the Weekly STP instalment to
be processed, then ‘Wednesday’ will be considered as
the default Day.

6. Exit load shall be as is applicable in the target/source

60
schemes.

Default frequency for STP is Monthly & default date for


the start of STP is 10th

• Flex Systematic Transfer Plan in all the open-


ended schemes of SBI Mutual Fund offering
Systematic Transfer Plan (STP) facility:

Flex Systematic Transfer Plan is a facility wherein an


investor under a designated open-ended Scheme can opt
to transfer variable amounts linked to the value of his
investments on the date of transfer at pre-determined
intervals from designated open-ended scheme (source
scheme) to the Growth option of another open-ended
scheme (target scheme).

Terms and conditions of Flex STP are as follows:

• The amount to be transferred under Flex STP from


source scheme to target scheme shall be
calculated using the below formula:
Flex STP amount = [(fixed amount to be
transferred per installment x number of
installments already executed, including the
current installment) - market value of the
investments through Flex STP in the Transferee
Scheme on the date of transfer]
• The first Flex STP installment will be processed for
the fixed installment amount specified by the
investor at the time of enrolment. From the second
Flex STP installment onwards, the transfer amount
shall be computed as per formula stated above.
• Flex STP would be available for Weekly, Monthly
and Quarterly frequencies.
• Weekly Flex STP can be done on 1st / 8th / 15th /
22nd of every month.
• Flex STP is available from “Daily / Weekly” IDCW
plans of the source schemes.
• Flex STP is available only in “Growth” option of the
target scheme.
• If there is any other financial transaction
(purchase, redemption or switch) processed in the
target scheme during the tenure of Flex STP, the
Flex STP will be processed as normal STP for the
rest of the installments for a fixed amount.
• A single Flex STP Enrolment Form can be filled for
transfer into one Scheme/Plan/Option only.
• In case the date of transfer falls on a Non-Business
Day, then the immediate following Business Day

61
will be considered for the purpose of determining
the applicability of NAV.
• In case the amount (as per the formula) to be
transferred is not available in the source scheme
in the investor’s folio, the residual amount will be
transferred to the target scheme and Flex STP will
be closed.
• The complete application form for enrolment /
termination for Flex STP should be submitted, at
least 10 days prior to the desired commencement/
termination date.
• All other terms & conditions of Systematic Transfer
Plan are also applicable to Flex STP.

Swing STP

Swing STP is a facility wherein investor can opt to transfer


an amount at regular intervals from source scheme of SBI
Mutual Fund (SBIMF) to a target scheme of SBIMF
including a feature of reverse transfer from target scheme
into the source scheme, in order to achieve the targeted
market value on each transfer date in the target scheme.
This ensures that the market value on each date of the
transfer rises by a specified amount at every frequency
irrespective of the market price. For example if investor
decides that the value of their investment in the target
scheme should appreciate by Rs. 1000 per month, then
each month investor will invest only to the extent of the
shortfall. If appreciation in the target scheme is higher than
the target value then this excess value is reverse
transferred to the source scheme. Thus the amount to be
transferred will be arrived at on the basis of the difference
between the target market value and the actual market
value of the holdings in the target scheme on the date of
transfer.

Terms & conditions of Swing STP are as follows:

• Source scheme: All open ended schemes


(Excluding SBI Long Term Equity Fund and ETF
schemes) of SBI Mutual Fund.
• Target scheme: Growth option in all open ended
schemes (Excluding SBI Long Term Equity Fund
and ETF schemes) of SBI Mutual Fund.
• Frequency: Weekly, Monthly and Quarterly
intervals. In case the Frequency is not indicated,
Monthly frequency shall be treated as the Default
Frequency.
• Dates: The dates of transfers/ default dates shall
be as under:

62
Frequency Dates of Transfers Default
Date
Weekly 1st, 8th, 15th & 22nd
of -
Interval every month
Monthly 1st, 5th, 10th, 15th, 20th, 10th of
Interval 25th & 30th every
In case of February month
last working day)
Quarterly 1st, 5th, 10th, 15th, 20th, 10th of
Interval 25th & 30th (In case of every
February last working quarter
day) The beginning of
the quarter could be
any month e.g.
January, May,
November, etc.
In case the date of transfer falls on a non-Business
Day, the immediate next Business day will be
considered for the purpose of determining the
applicability of NAV and processing the transaction.
• The minimum amount for the first installment shall
be as follows:
o Weekly & Monthly frequency: Rs. 1,000
and in multiples of Re. 1
o Quarterly frequency: Rs. 3,000 and in
multiples of Re. 1
• Minimum number of installments
o Weekly & Monthly frequency: 12
o Quarterly frequency: 4
• If there is any other financial transaction (purchase
/ redemption / switch / SIP / DTP etc.) processed
in the target scheme/plan/option during the tenure
of Swing STP, the Swing STP will be processed as
normal STP for the rest of the installments for the
fixed amount.
• Amount of transfer: The first Swing STP
installment will be processed for the installment
amount specified by the investor at the time of
enrollment. From the second Swing STP
installment onwards, the transfer amount will be
derived by the following formula:
(First installment amount X Number of installments
including the current installment) – Market Value of the
investments through Swing STP in the target
scheme/plan/option on the date of transfer.
In case on the STP date, the amount (as specified
above) to be transferred is not available in the source
scheme/plan/option in the investor’s folio, the residual
amount will be transferred to the target
scheme/plan/option and Swing STP will be closed.
Investors have an option to consider earlier

63
investments in the target scheme for calculating Swing
STP amount.

• Reverse Transfer: On the date of transfer, if the


market value of the investments in the target
scheme/plan/option through Swing STP is higher
than the target market value (first installment
amount X number of installments including the
current installment), then a reverse transfer will be
effected from the target scheme/plan/option to the
source scheme/plan/option to the extent of the
difference in the amount, in order to arrive at the
target market value.
• Top-up option: Investor can choose Swing STP
based on fixed amount installment and additionally
investor has an option to choose top-up option.
Under this, investor can indicate an absolute
amount or percentage (in annualized terms) by
which each installment amount will be increased.
Amount of transfer will be calculated by taking into
consideration of the target market value (including
top-up amount) and actual market value of the
investments in the target scheme.
o Amount of transfer: The first Swing STP
installment will be processed for the first
installment amount specified by the
investor at the time of enrollment. From the
second Swing STP installment onwards,
the transfer amount will be derived by the
following formula:
In case Top-up amount mentioned as absolute
amount:
Target market value Minus Market Value of the
investments through Swing STP in the target
scheme/plan/option on the date of transfer.
Target market value = (Target market value at the
time of last installment + First installment amount +
(Top-up absolute amount X Number of installments
excluding the current installment)).
Minimum amount for Top-up (absolute amount):
• Weekly & Monthly frequency: Rs. 50 per
installment and in multiples of Re. 1
• Quarterly frequency: Rs. 100 per installment and
in multiples of Re. 1

In case Top-up amount mentioned in


percentage:

Target Market Value less Market Value of the


investments through Swing STP in the target scheme

64
on the date of transfer.
Target Market Value = (Target market value at the time
of last installment + First installment amount + (Target
value at the time of last installment X Top-up
percentage/ No. of periods))

No. of periods will be considered as below:


o For weekly frequency – 48
o For monthly frequency – 12
o For quarterly frequency – 4
Minimum percentage for Top-up (percentage
option): 12% per annum
• A single STP enrolment Form can be submitted for
transfer into one Scheme/Plan/Option only.
• The redemption/switch-out of units allotted in the
target scheme shall be processed on First In First
Out (FIFO) basis.
• The provision of ‘Minimum Redemption Amount’
as specified in the Scheme Information Document
of the source scheme (target scheme in case of
Reverse Transfer) and ‘Minimum Purchase
Amount’ specified in the Scheme Information
Document of the target scheme (source scheme in
case of Reverse Transfer) will not be applicable for
Swing STP.
• The application for enrollment / termination for
Swing STP should be submitted at least 10 days
before the desired commencement / termination
date.
• In case the Start Date is not mentioned, the
application will be registered after expiry of 10 days
from submission of the application as per the
default date i.e. 10th of each month / quarter (or
the immediately succeeding Business Day). In
case the End Date is not mentioned, the
application will be registered for perpetual period.
• Load structure prevalent in source & target
schemes (for reverse transfer) at the time of Swing
STP registration will be applicable during the
tenure of the Swing STP.
• Swing STP will be automatically terminated if
balance is not available in the source
scheme/plan/option on the date of Swing STP
installment processing.
• The Swing STP Facility is available only for units
held in Non - demat Mode in the source and target
schemes.

The Trustees / AMC reserves the right to change / modify


the terms and conditions of the Swing STP or withdraw the

65
Swing STP facility at the later date.

Capital Appreciation Systematic Transfer Plan


(CASTP):

Under this facility investors can transfer capital


appreciation from their invested scheme (source
scheme) to another open-ended scheme (target
scheme). The salient features and terms & conditions
of CASTP are given below:

• Source scheme: This facility is available under


Growth option of all open ended schemes [except
Equity Linked Savings Scheme & Exchange
Traded Funds (ETFs)] of SBI Mutual Fund.
• Target scheme: All open ended schemes except
ETFs and daily IDCW options.
• Frequency: CASTP offers transfer facility at weekly
(1st. 8th, 15th & 22nd), monthly & quarterly intervals.
• Amount to be transferred: Capital appreciation, if
any, will be transferred to the target Scheme,
subject to minimum of Rs. 100 on any business
day.
• Minimum number of installments:
• Weekly & monthly frequency – six installments
• Quarterly frequency - four installments.
• Capital appreciation, if any, will be calculated from
the enrolment date of the CASTP under the folio,
till the first transfer date. Subsequent capital
appreciation, if any, will be the capital appreciation
between the previous CASTP date (where CASTP
has been processed and transferred) and the
current CASTP date.
• The application for enrolment / termination for
CASTP should be submitted, at least 10 days prior
to the desired commencement/ termination date.
• In case Start Date is mentioned but End Date is not
mentioned, the application will be registered for
perpetual period.
• In case End Date is mentioned but Start Date is not
mentioned, the application will be registered after
the expiry of 10 days from the submission of the
application for the date of the transfer mentioned
in the application, provided the minimum number
of installments is met.
• Minimum investment requirement in the target
scheme and minimum redemption amount in the
source scheme is not be applicable for CASTP.
• Default options:

66
o Between Regular STP, Flex STP and
CASTP – Regular STP
o Between weekly, monthly & quarterly
frequency – Monthly frequency
o Default date for monthly and quarterly
frequency – 10th
• Investor can register only one CASTP for transfer
from a source scheme.
• In case the date of transfer falls on a Non-Business
Day, then the immediate following Business Day
will be considered for the purpose of transfer.
• Exit load shall be as applicable in the target/source
schemes.
The Trustees / AMC reserve the right to modify or
discontinue this facility at any time in future on
prospective basis.

MITRA SIP

‘MITRA SIP’ is a facility that allows investor to make


initial investment through Systematic Investment Plan
(SIP) and after completion of specific tenure switch the
units to another Scheme or continue to remain in the
Same Scheme as per the option selected by the investor
and Systematic Withdrawal through SWP from the target
scheme.

Terms and Conditions for MITRA SIP


1. MITRA SIP facility is available under select
schemes of SBI Mutual Fund for a fixed SIP tenure
of either 8 years, 10 years, 12 years, 15 years, 20
years, 25 years or 30 years.
2. This facility is allowed under ‘Monthly’ frequency for
Growth option of the schemes mentioned in point 3
below.

3. Schemes eligible for SIP, Switch-in and SWP:


The target scheme can either be the Source
Scheme (i.e. SIP scheme) or any one of the pre-
defined schemes mentioned below.

Name of Schemes Name of


(for SIP) Schemes (for
Switch and SWP)
SBI Magnum Equity SBI Conservative
ESG Fund Hybrid Fund

67
SBI Large & Midcap SBI Multi Asset
Fund Allocation Fund
SBI Magnum Global SBI BlueChip
Fund Fund
SBI Equity Hybrid SBI Arbitrage
Fund Opportunities
Fund
SBI Consumption SBI Short Term
Opportunities Fund Debt Fund
SBI Technology SBI Banking &
Opportunities Fund PSU Fund
SBI Healthcare SBI Equity
Opportunities Fund Savings Fund
SBI Contra Fund SBI Balanced
Advantage Fund
SBI Nifty Index Fund SBI Equity Hybrid
Fund
SBI Focused Equity
Fund
SBI Conservative
Hybrid Fund
SBI Magnum
MidCap Fund
SBI Magnum
COMMA Fund
SBI Flexicap Fund
SBI Multi Asset
Allocation Fund
SBI BlueChip Fund
SBI Infrastructure
Fund
SBI PSU Fund
SBI Small Cap Fund
SBI Banking &
Financial Services
Fund
SBI Equity Minimum
Variance Fund
SBI
International
Access- US
Equity FoF
SBI Nifty Next 50
Index Fund
SBI Balanced
Advantage Fund

68
SBI Multicap Fund

SBI Nifty Midcap


150 Index Fund
SBI Nifty Smallcap
250 Index Fund
SBI Dividend Yield
Fund
SBI BSE
Sensex Index Fund
SBI Energy
Opportunities Fund
SBI Automotive
Opportunities Fund

4. Minimum installment amount under this facility for


SIP / SWP would be the same as prescribed under
monthly frequencies in the respective Schemes. All
other terms and conditions pertaining to SIP and
SWP shall be applicable for MITRA SIP facility.

5. On completion of the SIP period (either 8 years, 10


years, 12 years, 15 years, 20 Years, 25 years or 30
Years as the case may be), the entire accumulated
clear unit balance shall be switched on T+15
calendar days to a pre-defined target scheme (T is
the last SIP transaction date of the facility) or
continue to remain in the same scheme as per
option selected by the investor. In case the source
and target scheme is different, then switch out from
the source scheme would be subject to applicable
exit load and taxes.

6. SWP will commence from the target scheme from


next month onwards on the same SIP instalment
date. The SWP transaction shall be subject to exit
load and taxes, as applicable.

7. Investor can opt for SWP instalment amount as per


the matrix below or specific amount to be
mentioned, provided that the amount mentioned by
the investor is less than or equal to amount

69
mentioned as per the matrix and shall be subject to
minimum SWP amount of the respective schemes.

SIP Monthly SWP Instalments


Tenure
8 years 1X monthly SIP instalment
10 years 1.5X monthly SIP
instalment
12 years 2X monthly SIP instalment
15 years 3X monthly SIP instalment
20 years 5X monthly SIP instalment
25 years 8X monthly SIP instalment
30 Years 12X monthly SIP
instalment

For example, for 20 years SIP with instalment amount


of Rs 10,000, SWP amount must be less than or
equal to Rs 50,000 (i.e. 5 times of monthly SIP
instalment). If SWP amount mentioned in the
application form is greater than the applicable slab,
then it shall lead to rejection of the application. In
case investor does not fill in any SWP amount, the
default amount shall be as per the applicable slab
given above.

8. In case no SIP tenure is selected, the default tenure


shall be 12 years. In case no SIP date is selected,
the default date shall be 10.
9. In case, no scheme is mentioned as target scheme
for SWP, the SWP shall be triggered from the
existing source SIP scheme itself.
10. In case, where SIP and Switch-In scheme is same,
no switch shall be initiated and SWP shall be
triggered from the source SIP scheme itself.
11. SWP Date will be same as the SIP date. The Start
date of SWP will be the month following the last SIP
instalment date and the SWP End Date will be
perpetual i.e. the SWP under this facility shall be
processed till units are available in the respective
target scheme. In case, the SWP trigger date is a
non- business day, the next business day shall be
considered as trigger date.

70
12. This facility shall get discontinued in the following
events:
i) On cancellation of SIP before the end of tenure,
the switch trigger and SWP will cease.
ii) In case, redemption / switch-out processed in
Source Scheme during the SIP tenure, the Switch
trigger and SWP will cease, however SIP shall
continue under the Source Scheme as normal SIP.
iii) In case redemption / switch-out is processed in
Source Scheme after the SIP tenure till the
execution of switch trigger, the switch trigger and
the SWP will cease.
13. SIP Top-Up and SIP Pause is allowed under this
facility. However, SWP would get registered based
on the initial SIP instalment amount / slab
mentioned in the application form.
14. Under a single folio, an investor can have multiple
registrations under this facility. However, if investor
wishes to invest in multiple schemes, investor shall
have to submit separate MITRA SIP registration
forms.
15. This facility will not be available under DEMAT
mode and for Minor investors.

Switchover facility
Unit holders under the scheme will have the facility of
switchover between the two Options in the scheme at
NAV. Switchover between this scheme and other scheme
of the Mutual Fund would be at NAV related prices.
Switchovers would be at par with redemption from the
outgoing option/Plan/scheme and would attract the
applicable tax provisions and load at the time of
switchover.

BANDHAN – SWP BANDHAN - SWP is intended to provide regular payout to


the children/spouse/parents/sibling (family members) of
an individual investor who have invested under the Growth
option of the Scheme

The details of this facility are as under:


• This facility will be available to investors with
‘’Individual‟ status on any of the existing SWP dates viz.
1st / 5th / 10th / 15th / 20th / 25th / 30th (last working
day in case of February) only at MONTHLY frequency .

71
• This facility will be available only under the Growth
option for both Regular and Direct plans
• This facility will work similar to Systematic Withdrawal
Plan (SWP), where the 1st unitholder can apply for the
facility and can opt for monthly payment to maximum 3
of his eligible family members specifying the SWP date
& amount. The SWP request for this facility should be
submitted at least 7 days prior to the first SWP date. If
the SWP due date is a nonbusiness day, then the same
will be processed on the next business day.
• The beneficiary should be resident individual and
cannot be an NRI.
• Unit holder/s are required to submit the following
documents on behalf of the beneficiary at the time of
registration for “BANDHAN- SWP” facility. These
documents should be attested by unitholder(s).
o Proof of relation such as Passport, PAN card, Birth
Certificate, SSC / Degree certificate, Marriage
certificate wherein the name of the specified family
member is mentioned with the relationship. This
document should clearly establish the relationship
between the unit holder and the beneficiary.
o Cancelled cheque of the Bank account OR Copy of
Bank Statement/Passbook of the beneficiary family
member where the name of the beneficiary and bank
a/c no. is printed on it.
o Proof of ID and Address of the Beneficiary.
o In case KYC Acknowledgment or specific documents
mentioned as proof of ID and address are not available,
then the following documents can be submitted.
• Proof of Identity - Identity card with applicant’s
photograph issued by any of the following: Central/
State Government Departments, Statutory/Regulatory
Authorities, Public Sector Undertakings, Scheduled
Commercial Banks, Public Financial Institutions,
Colleges affiliated to Universities, Professional Bodies
such as ICAI, ICWAI, ICSI, Bar Council, etc., to their
Members; and Credit cards/Debit cards issued by
Banks.
• Proof of Address – Utility bill which is not more than two
months old of any service provider (electricity,
telephone, postpaid mobile phone, piped gas, water
bill); Bank account or Post Office savings bank account
statement; Documents issued by Government
departments of foreign jurisdictions and letter issued by
Foreign Embassy or Mission in India; Identity Card with
applicant’s photograph and address issued by any of
the following: Central/ State Government Departments,
Statutory/Regulatory Authorities, Public Sector
Undertakings, Scheduled Commercial Banks, Public
Financial Institutions, Colleges affiliated to Universities,

72
Professional Bodies such as ICAI, ICWAI, ICSI, Bar
Council, etc., to their Members; and Credit cards/Debit
cards issued by Banks.
• The amount of SWP payout will be minimum of
Rs.5000/- and in multiples of Rs.1/- thereof. Minimum
number of monthly installments would be 12. If no
specific amount is mentioned by the unitholder, then the
default specified amount will be Rs.5000/- per month. If
no SWP date is mentioned, then the default date will be
considered as “10th” and if no specific period is
mentioned, then the default period will be considered as
“perpetual”.
• Only maximum 3 SWP of a specified amount under the
“BANDHAN - SWP” facility per Folio/ Scheme shall be
accepted.
• Under “BANDHAN - SWP” facility, the beneficiary is
restricted to only 3 family member of the first unitholder
i.e. child/ sibling above 15 years of age or spouse or
either of the parents. It is clarified that the unitholder/s
under the same Folio may opt to enroll for normal SWP
for self and SWP under “BANDHAN - SWP” facility
simultaneously.
• “BANDHAN - SWP” facility will discontinue on
happening of any OR all of the following events:
• Value of outstanding units in the investor
Folio/Scheme is nil/ insufficient
• On completion of SWP period
• On receipt of written communication of the death
of the 1st unitholder or the registered beneficiary
• In the event of change of option under the
scheme/s
• If the units are under pledge/STOP due to any
reason
• The holding mode is changed from physical to
dematerialized holdings
• The investments/payouts under the said facility will be
subject to applicable exit load, tax & other provisions
applicable to the Scheme
• Unitholder has the option to discontinue the
“BANDHAN- SWP” facility anytime by submitting
cancellation request to SBI Mutual Fund OR our R&T
Agent CAMS at least 7 days prior to the next SWP date
• All other remaining terms & conditions of normal SWP
facility shall also apply to “BANDHAN - SWP” facility.
• Any tax liability arising out of such payout under the
Bandhan-SWP facility to the registered beneficiary shall
be the sole liability of the investor.
• SBIMF reserves the right to seek any additional
information/document from the unitholder/s as it deems

73
fit and necessary from time to time, failing which, SBIMF
reserves the right to cancel the Bandhan-SWP facility.
• Separate Bandhan SWP form has to be filled to opt for
multiple beneficiaries from a single folio/scheme.

SIP Pause facility Under SIP pause facility, the investor shall have option to
discontinue their SIP temporarily for specific number of
instalments. The terms and conditions of SIP Pause
facility shall be as follows:

1. Investors can pause their SIP at any time by filling


SIP pause form and submitting the same at any branch of
SBIMF/CAMS. Pause request should be received 15 days
prior to the subsequent SIP date.
2. SIP Pause facility is available for SIP registration
with Weekly, Monthly, Quarterly, Semi-Annual, and
Annual frequency.
3. SIP shall restart immediately after the completion
of Pause period.
4. SIP Pause facility will allow investor to ‘Pause’ their
existing SIP during the tenure of SIP across all
frequencies for a period upto one year. The actual number
of instalments that will get paused will be as per the SIP
frequency.
5. Investors can avail this facility multiple times in the
tenure of the existing SIP.
6. SIP Pause facility will not be available for the SIPs
sourced/registered through MFU, Exchange & Channel
platforms as the mandate is registered by them.
7. If the SIP Pause period is coinciding with the Top-
Up facility, the SIP instalment amount post completion of
pause period would be inclusive of SIP Top-up amount.
For e.g. SIP instalment amount prior to Pause period is
Rs. 2,000/- and Top-up amount is Rs. 1,000/-. If the pause
period is completed after date of Top-up, then the SIP
instalment amount post completion of pause period shall
be Rs.3,000/-.
8. In case of multiple SIPs registered in a scheme,
SIP Pause facility will be made applicable only for those
SIP instalments whose SIP date, frequency, amount and
Scheme/Plan is specified in the form. Further for different
or multiple SIP mandate in the same scheme, separate
SIP Pause Forms are required to be submitted for each
SIP mandate.
9. The AMC reserves the right to terminate this facility
or modify the conditions of the SIP Pause facility at its
discretion.
10. In case of discrepancies in the information provided in
the SIP Pause Form and the details registered with the
AMC, the details registered with the AMC shall be

74
considered for processing or in case of ambiguity in the
SIP Pause Form, the AMC reserves the right to reject the
SIP Pause Form.
11. Investor cannot cancel the SIP Pause once registered.
SBI MULTI SELECT facility With a view to provide convenience and promote
diversification benefits to investor(s), SBI Mutual Fund
(SBIMF) has introduced a new facility i.e. SBI MULTI
SELECT through which an investor can invest in multiple
schemes of SBI Mutual Fund with a single cheque /
demand draft. Minimum subscription amount in a scheme
would be as per the Scheme Information Document of the
respective scheme. However, minimum total investment in
the facility shall be INR 20000/-. The facility is also
available through Systematic Investment Plan (SIP).
Minimum investment amount in a Scheme would be as per
the existing details pertaining to monthly SIP as stated in
Scheme Information Document of the respective
scheme(s). Top-up facility will not be available under this
facility. All the terms and conditions pertaining to SIP shall
also be applicable to SIP through SBI MULTI SELECT
facility. Investors are requested to visit www.sbimf.com for
detailed terms & conditions of the facility.

The Trustees / AMC reserve the right to modify or


discontinue this facility at any time in future.
SMS (Short Messaging Service) The SMS Transactions facility “(m-Easy)” enables
Transactions facility “(m-Easy)” Unitholders to subscribe or redeem or switch Units of the
Scheme by sending instructions through m-Easy by
sending SMS from their registered mobile phone number
on a dedicated number i.e. 9210192101 in the below
mentioned format.

For Purchase, type: INV <AMOUNT> <SCHEME


CODE>
For Redeem, type: RED <AMOUNT / ALL>
<SCHEME CODE>
For Switch, type: SWT <AMOUNT / ALL> <FROM
SCHEME CODE> <TO SCHEME CODE>

Purchase transaction can be done in terms of ‘Amount’


only whereas Redemption and Switch transaction can be
done in terms of ‘Amount” or “ALL” units. The minimum
purchase/redemption/switch amount in the respective
scheme/plan/option of SBI Mutual Fund will be applicable
for each transaction. Investors are requested to refer
scheme codes mentioned in the Registration Cum Debt
Mandate form for SMS transactions or visit our website
www.sbimf.com.

Additional services which are available through the SMS


(Short Messaging Service) Transactions facility “(m-

75
Easy)”:

1. Investors have an option to mention the default


scheme/plan/option for the folio in the SMS
Registration cum Debit Mandate form, which enables
investor(s) to send SMS without mentioning the
scheme code to transact in the default
scheme/plan/option.

2. In addition to Purchase, Redemption & Switch


transactions, investor can also register SIP though m-
easy facility with default SIP date, frequency & period.
Default SIP date, frequency & period will be
considered as 10th of every month with perpetual
option.

3. Investor(s), whose mobile number is / are registered


in the folio can also avail following additional services
by sending an SMS to the dedicated number i.e.
9210192101. For availing this facility no registration
is required.:
(i) Portfolio valuation:
(ii) Details of last three processed transactions
(iii) latest NAV of scheme/plan
(iv) statement of account via e-mail (a valid e-
mail address should be registered in the folio to
avail this service)

Investors are requested to visit our website www.sbimf.com


for scheme/plan codes, terms & conditions and SMS
keywords.
Registration related Terms and Conditions:

a) The SMS transactions facility “(m-Easy)” (Facility)


is available only for KYC compliant Individual
investors (including guardians on behalf of minor)
with ‘Single’ or ‘Anyone or Survivor’ holding.
b) In order to avail this Facility, the Unit holder(s) of
SBI Mutual Fund shall be required to provide all the
details as mentioned in the ‘Registration cum Debit
Mandate form’.
c) Currently, this Facility is available for purchase and
redemption (for amounts less than Rs 1 crore) and
can be modified/changed at the sole discretion of
SBI Mutual Fund without any prior notice of
whatsoever nature.
d) This Facility is available for purchase or
redemption transactions in terms of ‘Amount’ only
and transaction in terms of ‘units’ cannot be
accepted. The minimum purchase/redemption
amount in the respective plan / option of the

76
respective scheme of SBI Mutual Fund will be
applicable for each transaction.
e) Mobile Number Registration: Unit holder(s) of SBI
Mutual fund will have to register a mobile number
issued in India in their folio for availing this Facility.
The mobile number provided in the debit mandate
shall be updated / overwritten in the folio for which
the Facility is contemplated.
f) One Mobile Number and One Folio Combination:
This Facility is available with a condition that one
mobile number can be registered with one folio
and/or one folio can be registered with one mobile
number only. In other words, Unit holder(s) cannot
register the same mobile number in more than one
folio to avail this Facility. However, it is clarified that
other folios may have same mobile number for
availing transaction alerts.
g) Unit holder(s) will also need to inform SBI Mutual
Fund or its Registrar and Transfer Agents viz. M/s.
Computer Age Management Service Ltd. (“RTA”)
about any change in their bank account number,
mobile number or email id by submitting a duly
signed written request.
h) Unit holder(s) further accept(s) that submission of
an application for availing this Facility does not
automatically imply acceptance of the same by SBI
Mutual Fund. SBI Mutual Fund reserves the right
to reject an application without assigning reason
thereto.
i) Under this Facility, the Unit holder(s) of SBI Mutual
Fund may choose to purchase or redeem by
sending an SMS.
j) Currently this Facility to transact via SMS is
available only for the scheme / plan and option as
listed in the Debit Mandate.

Transaction related to Terms and Conditions:

a) Unit holder(s) of SBI Mutual Fund can start


transacting using this Facility only after successful
registration of the Debit Mandate with their bankers
and receipt of confirmation letter/SMS/email from
SBI Mutual Fund.
b) Applicable NAV for the transaction will be
dependent upon the time of receipt of the SMS into
the server of the RTA, electronically time-stamped
and other factors like scheme, type of transaction,
amount, date of realization of funds under SEBI
regulations and will be treated on par with similar
transactions received through other modes. For
the purpose of this Facility, such RTA office would

77
be considered as an Official Point of Acceptance
of the transaction.
c) In case the mode of holding is ‘Anyone or Survivor’,
this facility is available to the first named holder
only.
d) Unit holder(s) of SBI Mutual Fund agree/s and
acknowledge/s that any transaction, undertaken
using the registered mobile number shall be
deemed to have been initiated by the Unit
holder(s).
e) If the transaction is delayed or not effected at all for
reasons of incomplete or incorrect information/key
word or due to non-receipt of the SMS message by
the RTA for any reason whatsoever or due to late
receipt of SMS due to mobile network congestions
or due to non-connectivity or any other reason
beyond the control of SBI Mutual Fund or its
Registrars, the Unit holder(s) will not hold SBI
Mutual Fund and/or its Registrars responsible for
the same.
f) The request for purchase/redemption transaction
should be considered as completed only upon
receipt of the confirmation to that effect from RTA
on the registered mobile number or email id of the
Unit holder(s) of the Fund.
g) In case of receipt of multiple confirmations from the
RTA against a single transaction request, the
same needs to be brought to the immediate
attention of SBI Mutual Fund/RTA. Any transaction
request on a non-Business Day will be deemed to
have been received on the next Business Day in
accordance with the provisions provided in the
Scheme Information Document (‘SID’) of the
schemes and/or Statement of Additional
Information (‘SAI’) and processed accordingly.
h) The Unit holder(s) availing this Facility shall check
his / her bank account records carefully and
promptly and if the Unit holder(s) believe(s) that
there has been an error in any transaction using
the Facility or that an unauthorized transaction has
been effected, the Unit holder(s) shall immediately
notify SBI Mutual Fund / RTA in writing or by e-
mail.
i) Purchase transactions under this Facility will be
processed with the ARN code of the distributor
through whom the last transaction was processed
in the folio and consequently the amount invested
may stand reduced to the extent of transaction
charges if the distributor concerned has opted-in
for the same. Unit holder(s) are advised to check
with their distributors regarding the same before

78
initiating purchase transactions. Requests for
change/altering distributor code shall not be
considered.

The AMC reserves the right to add or delete the name of


the Scheme(s)/plan(s)/option(s) under m-Easy facility at a
later date.

Bank Account registration for Debit towards


Purchases:

a) Currently this Facility is available with certain banks


and their branches that participate in RBI facilities
like ECS / NECS / RECS /NACH or where SBI
Mutual Fund may have a specific tie-up with banks.
Please note that the list of banks and branches may
be modified/ updated/ changed/ removed at any time
in future at the sole discretion of SBI Mutual Fund
without assigning any reasons or prior notice.
b) Unit holder(s) of SBI Mutual Fund will have to
register and specify a single bank mandate for
purchases through this Facility in Debit Mandate.
The bank account number mentioned in the Debit
Mandate is intended to be debited towards
subscription only. Please note that only the existing
bank account details registered in the folio shall be
considered (by default) for payment of redemption
proceeds.
c) The responsibility of the bank account information
provided in the Debit Mandate or any other
application form for this Facility solely rests with the
Unit holder(s) and SBI Mutual Fund/RTA will not be
responsible or liable for any loss, claims, liability that
may arise on account of any incorrect and / or
erroneous data / information furnished by the Unit
holder(s).
d) Unit holder(s) need to submit an original
CANCELLED cheque of the bank account which is
being mandated for this Facility, failing which
registration may not be processed.
e) Unit holder(s) acknowledge/s to make payments for
subscription of units from their respective bank
account(s) in compliance with applicable provisions
relating to third party payments detailed in the SID /
SAI and ensure that the payment will be through
legitimate sources only.
f) The Debit mandate signed by the Unit holder(s) will
be duly sent by SBI Mutual Fund/RTA/service
providers to the unitholders’ bank for registration
under various arrangements like Direct Debit or RBI
ECS Facility.

79
g) It will be the sole responsibility of the unitholders’
bank to ensure registration of the Debit Mandate and
confirm registration. If no confirmation of registration
or rejection is received within a reasonable time by
SBI Mutual Fund/RTA/service providers, the same
shall be deemed to have been registered and a
confirmation to that effect shall be sent to the
unitholders.
h) The Unit holder(s) shall ensure availability of
sufficient funds in their respective bank account as
specified in the Debit Mandate, at the time of
requesting a transaction using this Facility and at the
time of bank account being debited.
i) The bank account of the Unit holder may be debited
towards the purchase either on the same day of
transaction or within a period of one to seven
business days depending upon the clearing/ECS
cycle for the location concerned. However, in case
of non-receipt of funds, for whatsoever reasons, the
transaction shall stand cancelled/null and void and
the units allotted, if any would be reversed.
j) The Unit holder(s) agree that SBI Mutual
Fund/RTA/service providers shall not be held liable for
any unsuccessful registration and/or transaction due to
any action or inaction of the Unit holder(s) bank
including but not limited to reasons mentioned below
and agree to indemnify SBI Mutual Fund/RTA against
all liabilities, losses, damages and expenses which they
may consequently incur/sustain either directly or
indirectly:
i. Loss of the Debit Mandate in transit from SBI
Mutual Fund/RTA/service provider to point of
acceptance of the form to RTA head office and
further dispatch to the Unit holder(s)’ bank
branch, where such loss has not occasioned as
a result of a gross negligence or willful default on
the part of SBI Mutual Fund /RTA;
ii. Non-acceptance/non-registration or rejection of
Debit Mandate for whatsoever reason by the Unit
holder’s bank;
iii. Transaction/s not getting processed due to non-
confirmation of registration/rejection by the Unit
holder’s bank within a reasonable time;
iv. Rejection of transaction/s due to non-
registration/non-availability of funds or any other
reason/s whatsoever;
v. Any other such reason beyond the reasonable
control of SBI Mutual Fund/RTA/service
provider.
This facility is available in the all Schemes / Plans of SBI
Mutual Fund under Regular Plan as well as Direct Plan.

80
Unit holder(s) are requested to note that SBI Mutual
Fund reserves the right to amend the terms and
conditions, or modify, or discontinue this Facility for
existing as well as prospective investors at anytime in
future.

III. Other Details

A. In case of Fund of Funds Scheme, Details of Benchmark, Investment Objective,


Investment Strategy, TER, AUM, Year wise performance, Top 10 Holding/ link to Top 10
holding of the underlying fund should be provided – Not applicable.

B. Periodic Disclosures such as Half yearly disclosures, half yearly results, annual report

(i) Half Yearly disclosure of Un-Audited Financials:

Before expiry of one month from the close of each half year i.e. on March 31 or September
30, the Fund shall host a soft copy of half – yearly unaudited financial results on the website
of the Fund i.e. https://www.sbimf.com/annual-financial-reports and that of AMFI
www.amfiindia.com. A notice advertisement communicating the investors that the financial
results shall be hosted on the website shall be published in one national English daily
newspaper and in a newspaper in the language of the region where the Head Office of the
fund is situated.

(ii) Half Yearly disclosure of Scheme’s Portfolio:

In terms of SEBI notification dated May 29, 2018 read with paragraph 5.1 of the SEBI Master
Circular for Mutual Funds dated May 19, 2023, on half year basis (i.e. March 31 & September
30), the portfolio of the Scheme shall be disclosed as under:

1. The Fund shall disclose the scheme’s portfolio (alongwith the ISIN) in the prescribed
format as on the last day of the half year for all the Schemes of SBI Mutual Fund on its
website i.e. https://www.sbimf.com/annual-financial-reports and on the AMFI’s website
i.e. www.amfiindia.com within 10 days from the close of the half-year.
2. A Statement of Scheme portfolio shall be emailed to those unitholders whose email
addresses are registered with the Fund within 10 days from the close of each half year.
3. The AMC shall publish an advertisement every half year, in the all India edition of at
least two daily newspapers, one each in English and Hindi; disclosing the hosting of the
half yearly schemes portfolio statement on its website viz. www.sbimf.com and on the
website of AMFI i.e. www.amfiindia.com and the modes through which a written
request can be submitted by the unitholder for obtaining a physical or electronic copy of
the statement of scheme portfolio.
4. The AMC shall provide physical copy of the statement of scheme portfolio, without
charging any cost, on receipt of a specific request from the unitholder.

(iii) Monthly Disclosure of Schemes’ Portfolio Statement

The fund shall disclose the scheme’s portfolio in the prescribed format along with the ISIN
as on the last day of the month for all the Schemes of SBI Mutual Fund on its website
www.sbimf.com and on the AMFI’s website i.e. www.amfiindia.com within 10 days from the
close of the month. Further, the Statement of Scheme portfolio shall be emailed to those

81
unitholders whose email addresses are registered with the Fund within the above prescribed
timeline. Further, the AMC shall provide physical copy of the statement of scheme portfolio,
without charging any cost, on receipt of a specific request from the unitholder.

(iv) Annual Report

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

1. The Scheme wise annual report / abridged summary thereof shall be hosted on website
of the Fund i.e., www.sbimf.com and on the website of AMFI i.e. www.amfiindia.com.
The physical copy of the scheme-wise annual report or abridged summary shall be
made available to the unitholders at the registered office of SBI Mutual Fund at all times.

2. The scheme annual report or an abridged summary thereof shall be emailed to those
unitholders whose email addresses are registered with the Fund.

3. The AMC shall publish an advertisement on annual basis, in the all India edition of at
least two daily newspapers, one each in English and Hindi; disclosing the hosting of the
scheme wise annual report on its website viz. www.sbimf.com and on the website of
AMFI i.e. www.amfiindia.com and the modes through which a written request can be
submitted by the unitholder for obtaining a physical or electronic copy of the scheme-
wise annual report or abridged summary.

4. The AMC shall provide physical copy of the abridged summary of the Annual report,
without charging any cost, on receipt of a specific request from the unitholder.

(v) Product Labelling

The Risk-o-meter shall have following six levels of risk:


i. Low Risk
ii. Low to Moderate Risk
iii. Moderate Risk
iv. Moderately High Risk
v. High Risk and
vi. Very High Risk

The evaluation of risk levels of a Scheme shall be done in accordance with Paragraph 17.4
of SEBI Master Circular for mutual funds dated May 19, 2023, as amended from time to time.

Any change in risk-o-meter shall be communicated by way of Notice cum Addendum and by
way of an e-mail or SMS to unitholders. The risk-o-meter shall be evaluated on a monthly
basis and the risk-o-meter alongwith portfolio disclosure shall be disclosed on the
www.sbimf.com as well as AMFI website within 10 days from the close of each month. The
risk level of the Scheme as on March 31 of every year, along with number of times the risk
level has changed over the year shall be disclosed on www.sbimf.com and AMFI website.
Risk-o-meter details shall also be disclosed in scheme wise Annual Reports and Abridged
summary.

(vi) Benchmark Riskometer


Pursuant to extant SEBI regulations, AMCs shall disclose the following in all disclosures in
which the unit holders are invested as on the date , including promotional material or that
stipulated by SEBI:

82
a. risk-o-meter of the scheme wherever the performance of the scheme is disclosed
b. risk-o-meter of the scheme and benchmark wherever the performance of the scheme
vis-à-vis that of the benchmark is disclosed.

Further, the portfolio disclosure in terms of para 5.17 of SEBI Master Circular for Mutual
Funds dated May 19, 2023 shall also include the scheme risk-o-meter, name of benchmark
and risk-o-meter of benchmark.

(vii) Scheme Summary Document

The AMC has provided on its website a standalone scheme document for all the Schemes which
contains all the details viz. Scheme features, Fund Manager details, investment details, investment
objective, expense ratios, portfolio details, etc.

Scheme Summary Documents shall be disclosed on www.sbimf.com, www.amfiindia.com


and stock exchange website in 3 data formats i.e. PDF, Spreadsheet and a machine
readable format (either JSON or XML). on a monthly basis or whenever there is changes in
any of the specified field, whichever is earlier.

C. Transparency/NAV Disclosure

NAV will be calculated and disclosed on every business day. NAVs will also be displayed on the
website of the Mutual Fund.

NAV will be disclosed in the manner as may be specified under SEBI (Mutual Funds)
Regulations, 1996. NAV can also be viewed on www.sbimf.com and www.amfiindia.com

The AMC shall update the NAVs on the website of Association of Mutual Funds in India - AMFI
(www.amfiindia.com) and on website of the Mutual Fund (www.sbimf.com) by 11.00 p.m. on
business day basis.

However, whenever the Scheme also invests in foreign securities, the NAVs of Scheme shall be updated
on daily basis on the website of the AMC and on the website of AMFI by 10:00 a.m. of the following
business day in line with Paragraph 8.2 of Master Circular for mutual funds.

In case of non-availability of price/valuation for the underlying overseas investments before aforementioned
timeline, consequent to which there would be inability in capturing same day price/valuation for such
underlying investments, then NAV of the Scheme will be declared as and when the price/valuation for such
underlying securities/ Funds is available.

The Mutual Fund shall disclose portfolio (along with ISIN) as on the last day of the month of the respective
Scheme on its website viz. www.sbimf.com on or before the tenth day of the succeeding month in the

83
prescribed format. In terms of SEBI notification dated May 30, 2018, a complete statement of the Scheme
portfolio would also be sent by the Mutual Fund to all unitholders within 10 days from the close of each
half year (i.e. March 31 & September 30) in the manner as may be specified by the Board.

D. Transaction charges and stamp duty-

Transaction charges – Not Applicable.

Stamp Duty
Pursuant to Notification issued by Department of Revenue, Ministry of Finance, Government of India, a
stamp duty of 0.005% would be levied on applicable mutual fund transactions. Accordingly, pursuant to
levy of stamp duty, the number of units allotted on applicable transactions (Purchase, Switch-in, IDCW
Reinvestment & Systematic transactions viz. SIP / STP-in etc.) to the unit holders would be reduced to
that extent.

Please refer SAI for details.

E. Associate Transactions- Please refer to Statement of Additional Information (SAI)

F. Taxation- For details on taxation please refer to the clause on Taxation in the SAI apart
from the following:

For details on taxation of Equity Mutual Funds, please refer to the clause on Taxation in the SAI apart from the following:

Tax Resident Investors Non-Resident Investors Mutual Fund


Tax on Income Taxable at normal tax
Distribution under rates applicable to investor 20% 3 5
IDCW Option 2 35

Capital Gains 4
a) Long Term 10% 3 on gains exceeding 10% 3 5 on gains exceeding
(period of holding: Rs.1,00,000 in a year Rs.1,00,000 in a year
Nil 1
more than 12 (without indexation (without indexation &
months) benefit) foreign exchange
fluctuation benefit)
b) Short Term
(period of holding: up 15% 3 15% 3 5
to 12 months)

1. SBI Mutual Fund is registered with Securities and Exchange Board of India (SEBI) and is as such eligible for benefits u/s.
10(23D) of the Income-tax Act, 1961. Accordingly, the entire income of SBI Mutual Fund is exempt from income-tax. SBI
Mutual Fund will receive all its income without deduction of tax at source as per provisions of Section 196 of the said Act.

2. With effect from April 1, 2020, income distributed by a mutual fund in respect of units of mutual funds is taxable in the
hands of the unitholders at normal tax rates (plus applicable surcharge and cess).

3. Basic Tax shall be increased by surcharge as per applicable rate and Health & Education Cess at the rate of 4% on aggregate
of basic tax & surcharge.

4. Securities Transaction Tax (STT) @ 0.001% is applicable on redemption of units of equity-oriented mutual funds.

5. The Mutual Fund will pay/deduct taxes as per the applicable tax laws on the relevant date considering the provisions of the
Income-tax Act, 1961 read with the Income-tax Rules, 1962 and any circulars or notifications or directives or instructions
issued thereunder. Please note that grant of DTAA benefit, if any, is subject to fulfilment of stipulated conditions under the
provisions of the Income-tax Act, 1961 and the relevant DTAA as well as interpretation of relevant Article of such DTAA.

84
In case of Resident Investors: TDS is applicable at the rate of 10% on income distributed in excess of Rs.5,000 by a mutual
fund.

In case of Non-Resident Investors: TDS is applicable on any income in respect of units of a Mutual Fund at lower of 20% (plus
applicable surcharge and cess) or rate of income-tax provided in the relevant DTAA (read with CBDT Circular no. 3/2022
dated 3rd February 2022), provided such investor furnishes valid Tax Residency Certificate (TRC) for concerned FY. Tax
will be deducted on Short-term/Long-term capital gains at the tax rates (plus applicable surcharge and cess) specified in
the Finance Act 2024 at the time of redemption of units in case of Non-Resident investors (other than FIIs) only.

TDS at higher rates: TDS at twice the applicable rate in case of payments to specified persons (excluding non-resident who
does not have a Permanent Establishment in India) who has not furnished the Income Tax Return (ITR) for the assessment
year relevant to previous year immediately preceding the financial year in which tax is required to be deducted, for which
time limit for filing ITR has expired and the aggregate of TDS in his case is Rs.50,000 or more in the said previous year.
In case PAN is not furnished, then TDS at higher of the rates as per Section 206AB or Section 206AA would apply. In case
PAN is inoperative, then TDS as per Section 206AA would apply.

The above income-tax/TDS rates are in accordance with the provisions of the Income-tax Act, 1961 as amended by Finance
Act 2024. The above rates are based on the assumption that the mutual fund units are held by the investors as capital assets and
not as stock in trade.

Investors are requested to note that the tax position prevailing at the time of investment may change in future due to statutory
amendment(s). The Mutual Fund will pay/deduct taxes as per the applicable tax laws on the relevant date considering the
provisions of the Income-tax Act, 1961. Additional tax liability, if any, imposed on investors due to such changes in the tax
structure, shall be borne solely by the investors and not by the AMC or Trustee.

The above information is provided for only general information purposes and does not constitute tax or legal advice. In view of
the individual nature of tax benefits, each investor is advised to consult with his/ her tax consultant with respect to the specific
direct tax implications arising out of their transactions.

G. Rights of Unitholders- Please refer to SAI for details.

H. List of official points of acceptance: refer to our website https://www.sbimf.com/contact-us


for list of Official Points of Acceptance of SBIMF

I. Penalties, Pending Litigation or Proceedings, Findings of Inspections or Investigations For


Which Action May Have Been Taken Or Is In The Process Of Being Taken By Any
Regulatory Authority

Please refer to our website https://www.sbimf.com/contact-us for list of Official Points of


Acceptance of SBIMF

Notwithstanding anything contained in this Scheme Information Document, the provisions of the SEBI
(Mutual Funds) Regulations, 1996 and the guidelines there under shall be applicable.

Date of Approval of the scheme by SBI Mutual Fund Trustee Company Private Limited on June 9, 2021. The
Trustees have ensured that SBI Multicap Fund approved by them is a new product offered by SBI Mutual Fund
and is not a minor modification of the existing Schemes.

For and on behalf of the Board of Directors,


SBI Funds Management Limited

85
Sd/-

Place: Mumbai Name : Shamsher Singh


Date: June 26, 2024 Designation : Managing Director & CEO

86
SBI FUNDS MANAGEMENT LTD - BRANCHES

AHMEDABAD: SBI Funds Management Ltd, 5 & 6 Ground Floor, Majestic, Panchvati Law Garden Road, Opposite
Law Garden BRTS Bus Stand, Near Panchvati Circle, Ahmedabad – 380 006,Gujarat. Phone No: 079 –
26423060/70 Email ID: cs.ahmedabad@sbimf.com. , Silvercrest Ramkrushna Building, Ground Floor, Shop A1/2,
Opposite Deputy Collector Bungalow, Below Shreedeep Hospital, Station Road, Ahmednagar - 414001. Phone no:
0241-2354555 Email id: idswapnil.rakecha@sbimf.com AGARTALA: SBI Funds Management
Limited Shri Maa Mansion, 3rd Floor, Colonel Mahim Thakur Sarani, Above SBI PBB Branch, Agartala -
799001,Tripura.Email Id: cs.agartala@sbimf.com Phone No: 0381-2324107. Agra: SBI Funds Management Ltd,
101,Prateek Tower, Opposite MD Jain College, Sanjay Place, Agra-282002, Uttar Pradesh, Tel : (0562)
2850239/37, Email Id: cs.agra@sbimf.com AJMER: SBI Funds Management Ltd, C/O SBI Special Branch, Ajmer
- 305001, Tel: (0145)2426284. AKOLA: SBI Funds Management . Ltd. Yamuna Tarang Complex,
First Floor - Shop No 16,17,18 and 19, Murtijapur, Opposite Gadpal Hospital, Akola – 444001, Maharashtra.
Phone no: 8956868990 Email: salesakola@sbimf.com ALAPPUZHA: SBI Funds Management Limited, Niza
Centre, New General Hospital Junction, Stadium Ward, Beach Road, Alappuzha – 688001, Kerala ALIBAG:SBI
Funds Management Limited, Shop no.104, 1st Floor, Horizon Building, Shribag no.3, Alibag, Raigad – 4022021,
Maharashtra. Phone No: 02141225555 Email Id: cs.alibag@sbimf.com ALIGARH : SBI Funds Management Ltd,
State Bank of India, Main Branch, Aligarh – 202001, Uttar Pradesh, ALWAR : SBI Funds Management Ltd, Ground
Floor, Soni Tower, Road No - 2, Alwar - 301001 Email Id: CS.Alwar@SBIMF.COM Phone No: 0144-2332035
AMBALA : SBI Funds Management Ltd, C/o State Bank of India Mahesh Nagar Ambala Cantt. - 133001, Haryana.
AMRAVATI : SBI Funds Management Ltd, 1st Floor, Malviya Complex, Malviya Chowk, Opposite YES Bank,
Amravati - 444601. Email id : cs.amravati@sbimf.com Phone No : 0721-2560291 AMRITSAR: SBI Funds
Management Ltd, C/O State Bank of India, SCO-5, District Shopping Centre, Ranjit Avenue, B Block, Amritsar -
143001., Tel: 0183-2221755 / 0183 – 5158415, Email id: cs.amritsar@sbimf.com. ANANTAPUR: 10-515-1,2nd
Floor, Opposite Upadhya Bhavan,Gildoff Service School Road,Anantapur-515001,Andhra Pradesh. Phone no:
08554294489,.ANAND : SBI Funds Management Ltd, 102, 10 & 11, First Floor, Chitrangana Complex, Anand
Vidhyanagar Road,Anand Gujarat Tel: (02692)- 246210. ANANDNAGAR: SBI Funds
Management Ltd , Ground Floor, Unit No. 12,Safal Pegasus, Opposite Venus Atlantis, Near Shell Pertol Pump,
Behind Mcdonalds, Prahladnagar, Satellite, Ahmedabad – 380015 Phone No: 9925660299, Email Id :
cssghighway@sbimf.com ANNA NAGAR: SBI Funds Management Ltd, Ground Floor, Intec Castle, No-12, F
Block, 2nd Main Road, Anna Nagar East, Chennai – 600 102. Phone no: 044 48626775, ANDHERI : SBI Funds
Management Ltd, Office No.402, Beeta CHSL, 4th Floor, DLH Plaza, 54-A Road, S.V. Road, Andheri (West),
Mumbai 400058,Phone no: 022 – 26200221/ 231 Email ID: cs.andheri@sbimf.com ANGUL: SBI Funds
Management Ltd, Amlapada, Lane-6, Above State Bank of India, Personal Banking Branch, Angul, Odisha - 759122
Phone no: 06764-234201 Email id: CS.Angul@sbimf.com ARAMBAGH: First Floor, Shop No. 686, Link road,
Arambagh, Hooghly, West Bengal – 712601. Phone No: 7604027781. Email Id:
csarambagh@sbimf.com ASANSOL :SBI Funds Management Ltd, 3 RD Floor, Block A, P. C. Chatterjee Market,
Rambandhu Tala, G.T. Road. Asansol – 713303, West Bengal, Tel no. 629497006, Email id:
cs.asansol@sbimf.com. AURANGABAD: SBI Funds Management Ltd, 1st Floor Viraj Complex, Opp; Big Cinema,
Above SBI ATM, Khadkeshwar, Aurangabad-431001, Tel: 0240-3244781.AURANGABAD: Plot No.138, Ground
Floor, Cyber mall, Samarth Nagar, Aurangabad, Maharashtra-431005, Phone No.0240 2341460/0240 2351460,
Email Id:cs.aurangabad@sbimf.com. AYODHYA : SBI Funds Management Ltd, 1/13/328 Station Road, Pushpraj
Chouraha Civil Lines, Ayodhya - 224001, Uttar Pradesh. Email Id:
cs.faizabad@sbimf.com Phone No: : 05278-312899 / 9554165444, Alipurduar: SBI Funds
Management Limited, Ground Floor, Sedan Square Building, Barungoli Bye Lane, Devinagar, Bhanga-pool, Ward
No.-XIV, Near 11 Hat Kalibari & IDBI Bank, Alipurduar-736121, West Bengal, Phone no: 03564-351132 / 03564-
352950 Phone no: 03564-351132 / 03564-352950 BADDI: SBI Funds Management Ltd, 1st Floor, Above ICICI
Bank, Kapoor complex, The mall, Solan-173212,.Himachal Pradesh, Email id: cs.baddi@sbimf.com BANGALORE
:SBI Funds Management Ltd,#501, 5th Floor,16 & 16/1,Phoenix Towers, Museum Road, Bangalore–560001, Tel :
(080)25580014/25580051/22122507, 22272284, 22123784. BHOPAL :SBI Funds Management Ltd, Manav Niket,
30, Indira Press Complex, Near Dainik Bhaskar Office, M.P. Nagar, Zone-1, Bhopal (MP) – 462011 Tel No.: 0755-
2557341, 4288276. BANGALORE (JAYANAGAR) - 1st Floor, Baba Towers, No. 162/158 – 1, 6th Main, Diagonal
Road, Jayanagar,4th Block, Bangalore – 560 011. Tel: 080-26540014.BANGALORE (MALLESHWARAM): SBI
Funds Management Limited, First floor, 79/1, West park Road, 18th cross, Malleshwaram, Bangalore - 560055.
BANGALORE (WHITEFIELD): SBI Funds Management Limited, 2nd Floor, No.183, Opposite Forum Value Mall,

87
Whitefield Main Road, Whitefield, Bangalore - 560066 Phone No: 9108522463 Email Id:
cs.whitefieldbangalore@sbimf.com BANKURA : SBI Funds Management Limited,80/1/A Nutanchati Mahalla,
Raghunathpur Main Road, 1st Floor, Nutanchati State Bank Building Bankura -722101. BHUBANESHWAR: SBI
Funds Management Ltd, SBI LHO Bldg, Ground Floor, Pt. Jawaharlal Nehru Marg, Bhubaneshwar–751001, Tel :
(0674)2392401/501. BALASORE: SBI Funds Management Ltd, 1st Floor, Plot no 327/1805, FM College Road,
Balasore - 756003, Odisha. BARASAT: SBI Funds Management . Ltd. Nibedita Place, Taki Road (North), Post
Office & Police station: Barasat, North 24 Parganas, Kolkata -700124.Phone No: 9830979009 Email Id:
cs.barasat@sbimf.com BAREILLY: SBI Funds Management Ltd, C/o State Bank of India, Main Branch, Opp
Katchery, Civil Lines, Bareilly- 243001. BELAGAVI: SBI Funds Management Ltd, Classic Complex, No 103, First
Floor, Saraf Colony, RPD Cross, Behind Ajanta Hotel, Belagavi – 590006. Phone no: 08312422463 Email id:
cs.belgaum@sbimf.com BHAGALPUR : SBI Funds Management Ltd, G.C.Banerjee Road, Beside Samsung,
Service Center, Near Trimurti Chowk, Bhikhanpur, Bhagalpur 812001,Bihar,Phone no:0641-24206, Email id:
cs.bhagalpur@sbimf.com BHARUCH : SBI Funds Management Ltd, 101-105, 1st Floor, Glacier Complex, Near
Pizza Inn Restaurant, Jetalpur Road, Vadodara - 390007, Gujarat. BHARUCH: SBI Funds Management Limited
113/114, Nexus Business Hub, Maktampur Road, Near Gangotri Hotel, Bharuch-392001 Email Id:
Cs.bharuch@sbimf.com Phone No: 02642-247550 BHILWARA: SBI Funds Management Ltd, c/o State Bank of
India, Bhopalganj Branch, 1st Floor Dumas Presedency, Basant Vihar, Bhilwara – 311001,Rajasthan. Phone No:
01482- 240144 BONGAIGAON: SBI Funds Management . Ltd. Shyam Market Complex, Paglasthan, Chapaguri
Road, Ward No.10. Shop no.03, Post Office & Police Station – Bongaigaon – 783380, Assam. BATHINDA: SBI
Funds Management Ltd Shop No: 3 - 4, Ground Floor, Zila Parishad Complex, Bhatinda - 151001. Phone No: 0164
– 2218415, Email id: cs.bhatinda@sbimf.com BEHALA: SBI Funds Management Limited 6 D H Road, Beside Anjali
Jewellers Silpara, Post office - Barisha, Police Station -Thakurpukur, Kolkata - 700008 Phone No: 9674725441
Email ID: cs.behala@sbimf.com BERHAMPORE: SBI Funds Management Limited, 1st Floor,46/12,
Amar Chakraborty Road, PO: Khagra, DIST : Murshidabad, West Bengal – 742103. BHUJ: SBI Funds Management
Ltd, C/o State Bank of India, Shanti Chambers, Office No. 30, New Station Road, Opp. SBI Main Branch – 370001,
Gujarat BOKARO: Plot No.-G-A/5, Ground Floor, City Centre, Sector- IV, Bokaro Steel City, Bokaro – 827004
Email ID: cs.bokaro@sbimf.com Phone No: 9304823011, 06542-232561 BORIVALI : SBI Funds Management
Ltd, Shop No. 3&4, Natraj CHS Ltd, Sodawala Lane, Near Chamunda Circle, Borivali (West), Mumbai – 400092, Tel
No.: 022-28927551/28922741. BURDWAN: SBI Funds Management Ltd, 1st floor of Debbhumi, G.T. Road,
Perbirhata near Santoshi Mandir, Post Office - Sripally, Burdwan District - 713103, West Bengal. BAVNAGAR: SBI
Funds Management Ltd, C/o SBI Darbargadh Branch. 2’nd Floor.AmbaChowk. Bhavnagar 364001, Tel: 0278-
2523788,. BHAVNAGAR: SBI Funds Management Limited.101, First Floor, Anjaneya Prime, Opposite Blue Club
Showroom, Waghawadi Road, Bhavnagar -364001, Gujrat Phone No 0278-2523788
Email ID: cs.bhavnagar@sbimf.com BAGALKOT: SBI Funds Management Limited, First Floor, TP No.48/11/B,
Shop No.FF67, Block "G", Melligeri Towers, Station Road, Bagalkot- 587101. Phone No : 7619652463 Email Id:
cs.bagalkot@sbimf.com BELGAUM: SBI Funds Management Ltd, C/o.SBI Main Branch,Near Railway Station
Camp, Belgaum-590001, Tel: 0831-2422463. BELLARY: SBI Funds Management Ltd,1st Link road, 2nd Main, Near
Gopi Blood Bank, Parvati Nagara, Bellary -583103, Karnataka, Email id: cs.bellary@sbimf.com Tel: 08392-
294323,7022606363. BIRBHUM : 1st Floor, Basundhara Bhavan, Masjid Road, Bolpur, District- Birbhum - 731204,
West Bengal. BIDHANNAGAR: SBI Funds Management . Ltd.SBI Bidhannagar Zonal Office ,1st Floor, 1/16 VIP
Road, Kolkata – 700054. Phone No: 8274004546 Email Id: cs.bidhannagar@sbimf.com BHILAI: SBI Funds
Management Ltd, Plot no.21, Nehru Nagar East, Commercial Complex, Near Bhilai Scan, Bhilai-490020, Tel No.:
0788-4010955, 0788 – 6940010/11/12/13/14/15/16/17. BIHARSHARIF: SBI Funds Management . Ltd., SBI Main
Branch, 1st floor, counter no 9 &10 Naisarai, Nalanda Biharsharif – 803101. Phone no: 9264427300 Email id:
cs.biharsharif@sbimf.com BILASPUR: SBI Funds Management Ltd, SBI, Main Branch, Old Highcourt
Road,Bilaspur-495001, Tel: 07752) 495006. BIKANER : SBI Funds Management, 1 A, Vijay Vihar, Tulsi Circle,
Sadul colony, Bikaner – 334001, Rajasthan Phone No : 0151 3500257, Email ID: CS.BIKANER@SBIMF.COM
BASTI: 201, SBI Court Area Building, Near Ayodhya Eye Hospital, Basti-272001, Uttar Pradesh. Phone no:
9918001822, 05542-297888 Email id: csbasti@sbimf.com BOKARO: SBI Funds Management Ltd,C/o State Bank
of India, Sector – 4,Main Branch, Bokaro Steel City, Bokaro – 827004, Tel: 9304823011. BULDHANA: Ground
Floor, Shop No. 16, Jijamata Stores and Commercial Complex, Buldhana - 443001.Phone No : 07262-299037
Email ID : cs.buldhana@sbimf.com CHANDIGARH :SBI Funds Management Ltd, C/o State Bank of India, SCO-
107-108, 2nd Floor, Administrative Office, Sector 17-B, Chandigarh-160017, Tel No.: 0172-2703380. CHAPRA: SBI
Funds Management . Ltd.C/o State Bank of India, Chapra Bazar Branch, Sahebganj, Chapra, Saran – 841301,
Bihar. CHAIBASA: 1st Floor, Bhagwati Centre, Sadar Bazar, Chaibasa, West Singhbhum – 833201, Jharkhand.
Phone no: 9262999173 Email id: CS.Chaibasa@sbimf.com CHENNAI :SBI Funds Management Ltd, SigapiAchi

88
Building, Floor,18/3, Marshalls Road, Rukmani Lakshmipathy Road, Egmore, Chennai - 600 008, Tel : 044 2854
3382 / 3383, 044 2854 3384 / 3385. COIMBATORE :SBI Funds Management Ltd, 1st Floor, Above SBI R.S Puram
Branch, 541, D.B Road, R.S Puram, Coimbatore- 641 002, Tel : (0422) 2541666. CALICUT : 2nd Floor, Josela’s
Galleria, Opp. Malabar Christian College Higher Secondary School, Wayanad Road, Calicut-673001, Tel no: 0495-
2768270, 4020079, 4020080. CUTTACK: SBI Funds Management Ltd, 3rd Floor,City Mart, Above Vishal Mega
Mart, BajraKabati Road,Cuttack-753001, Tel: 0671-2422972.CHEMBUR: SBI Funds Management Limited Office
No.101, Saikiran Apartments, A Wing,1st Floor, Plot No.217, Central Avenue, 11th Road Junction, Chembur,
Mumbai – 400 071. Phone no: 022 – 25226058 / 022 - 25226059 Email id: cs.chembur@sbimf.com CHINCHWAD
: SBI Funds Management Ltd, Shop No. 1. Ratnakar Bldg, Pavan Nagar, Opp P N Gadgil Showroom,
ChapekarChowk, Chinchwad Pune-411033, Tel : 020-27355721. CHANDRAPUR: Ground Floor, Riddhi Builder
building, in front of TVS Showroom, Vivek Nagar, Mul road, Chandrapur-442401, Maharashtra, Tel no:
07172429547 / 8956397292 Email Id: cs.chandrapur@sbimf.com DADAR: SBI Funds Management Ltd, Shree
Samarth Heights, Shop No.11, Ground Floor, Gokhale Road North, Dadar (West), Mumbai - 400028. Phone no:
24322446 / 7. Email id: cs.dadar@sbimf.com DAVANGERE : SBI Funds Management Ltd, Eshwar Complex, PJ
Extension, Davangere - 577002, Karnataka. DARBHANGA : SBI Funds Management Ltd, Ground Floor, Shyam
Kunj, 2- Girindra Mohan Road, Near Radio Station, Darbhanga-846004 Bihar, Phone No: 06272245004, Email ID:
CS.Darbhanga@sbimf.com DALTONGANJ: SBI Funds Management Ltd , Mahendra Arcade, First Floor, Zila
School Road, Near Post Office, Daltonganj – 822101, Jharkhand, Phone no: 8877976333, DEHRADUN: SBI Funds
Management Ltd, Ground floor, Neshvilla Court, Tower No. 2, 1-Neshvilla Road, Dehradun-248001, Uttarakhand
Phone No : 0135-2741719/ 0135-2749913 Email ID: cs.dehradun@sbimf.com DHANBAD: SBI Funds
Management Ltd, 112 Shree Ram Plaza, 1st Floor, Bank More, Dhanbad -826001, Jharkhand. Phone No: 0326-
2301545,9304823015, Email Id: Cs.dhanbad@sbimf.com DHARAMSHALA: SBI Funds Management Ltd, 1st floor,
SBI Main Branch, Kotwali Bazar, Dharamshala – 176215, Himachal Pradesh, Tel: 9418028624/01892-225814.
DIMAPUR: SBI Funds Management Ltd, C/o State Bank of India, Old Market Branch, Kalibari Road, Old Daily
Market (Near Durga Market), Dimapur- 797112, Nagaland. DILSUKHNAGAR - 1st Floor, 13-2-42/6/d/10, Vijetha
Classic Empire, Above DCB Bank, Chaitanyapuri, Dilsukhnagar, Hyderabad 500060,Tel No – 04035165251.
DEOGHAR: SBI Funds Management Ltd, 722 & 723 SSM Jalan Road, Castair Town , Opposite IDBI Bank, Deoghar
– 814112, Jharkhand.Phone no: 8986614868 / 9570378333 Durgapur: SBI Funds Management Ltd, 4/23, Suhatta
Mall, Sahid Khsudiram Sarani, City Centre, Durgapur – 713216, Tel: 0343-2544191.DUMKA:SBI Funds
Management Limited. Plot No. - 510, First Floor, Sri Ram Para Chowk Teen Bazar, Near Andhra Bank, Dumka -
814101, Jharkhand. Phone No: 06434350008 Email Id: cs.dumka@sbimf.com ERODE: SBI Funds Management
Limited, 1st Floor, 1/1, Poosari Chennimalai Street, Near EVN Road, Surampatti, Erode - 638001 Phone No.: 0424
2211755 Email ID: cs.erode@sbimf.com ERNAKULAM : First Floor, Chakiat Estate, Church Landing Road,
Pallimukku, Cochin – 682 016,Kerala. Phone No: 0484 – 4011605 / 4011606 Email :ernakulam@sbimf.com.
ETAWAH: Ground Floor, Shop No. 4, BABA The Mall, Mohalla Prem Nagar, Near Shastri Chauraha, Etawah-
206001, Uttar Pradesh, Phone no: 9935131119 FARIDABAD : SBI Funds Management Ltd, C/o. SBI Commercial
Br.1ST Floor, SCO-3, Sector 16, Faridabad-121002 Tel No.: 0129 – 4030661 FEROZEPUR: SBI Funds Management
Ltd, c/o State Bank OF India RBO, 120 Church Road Ferozepur Cantonment Ferozepur - 152001, Tel: 9855008415.
GANGTOK: SBI Funds Management Ltd , Ground Floor, Lama Building, Near Namthang Road & National Highway
Junction, Deorali Bazar, Gangtok - 737102. Phone No: 03592-280051 Email Id: cs.gangtok@sbimf.com
MANAGARIA: Ground Floor, 111/4 Raja S C Mullick Road, Garia, Post Office - Naktala, Kolkata 700047 Phone
no: 9874772626 Email id: Cs4.Kol@sbimf.com GANDHINAGAR: SBI Funds Management Ltd Shop No.6, Ground
Floor, Skyline, Plot No. 23, Sector 11, Gandhinagar – 382 011 Phone
No: 7935336678Email ID: cs.gandhinagar@sbimf.comGOA : SBI Funds Management Ltd, Agva House, Ground
Floor, Near Mahalaxmi Temple, Dr.Dada Vaidya Road, Panaji Goa 403001 Tel No.: 0832-2421806
Email id: cs.goa@sbimf.com. GOA (VASCO-DA-GAMA) Shop No.2, Ground Floor, Anand Chambers, F L Gomes
Road, Near SBI Bank, Vasco Da Gama South Goa – 403802, Goa Tel No.: 0832-2500636, Email ID:
cs.vasco@sbimf.com GURGAON :SBI Funds Management Ltd, 24, Vipul Agora Building, Ground Floor, M.G.
Road, Near Sahara Mall, Gurgaon-122002, Tel : (0124) 4200828, Email id: cs.gurgaon@sbimf.com. GUWAHATI
:SBI Funds Management Ltd, Sethi Trust Building,Unit-III, Above State Bank of India-GMC Branch, G.S.Road,
Bhangagarh, Guwahati-781005, Tel : (0361)2463704. GANDHIDHAM :SBI Funds Management Ltd, C/o State Bank
of India, Adinath Arcade, Office No. 6, Police Station Road, Gandhidham – 370201, Gujarat. GAYA: SBI Funds
Management Ltd, Nandan Niketan, Ground Floor, Nagmatia Road, Gaya-823001, Bihar, Phone No: 8252934222,
0631-2222405, Email Id:cs.gaya@sbimf.com. GHATKOPAR : Shop No - 1 & 2, Atlantic Towers, R B Mehta Road,
Near Railway Station, Ghatkopar – East, Mumbai – 400077. Tel No.: 022 – 25012227 / 28. GHAZIABAD: SBI Funds
Management Ltd, C – 40, RDC, Raj Nagar, Ghaziabad, Uttar Pradesh - 201002 Phone No: 0120 – 4217338 Email

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id: cs.ghaziabad@sbimf.com GIRIDIH: Shanti Heights,1st Floor, Above Hero Showroom, Whitty Bazar, Giridih -
815301. Phone No: 06532-296009 Email id: cs.giridih@sbimf.com GORAKHPUR: Shop No – 6 & 7, Upper Ground
Floor, Cross Mall The Road, AD Chowk, Bank Road, Gorakhpur – 273001, Uttar Pradesh, Tel: 0551-
2203378.GWALIOR: SBI Funds Management Ltd, Ground Floor, Uma Plaza 83 / 84, Kailash Vihar, Near City
Centre, Ward No.30, Gwalior-474001, Tel: 0751-2447272, Madhya Pradesh, Email Id:
cs.gwalior@sbimf.com.GUNTUR : SBI Funds Management Ltd, C/o State Bank of India, Brodipet Branch, #4/11,
Master Minds Building Brodipet, Guntur - 522002, Andhra Pradesh. Guna : SBI Funds Management Limited,
156/1,Hanuman Colony Infront of IDBI Bank, AB Road, Guna -473001,Madhya Pradesh, Phone no: 07542-462999
Email id: cs.guna@sbimf.com HYDERABAD: SBI Funds Management . Ltd., 1st Floor, Shivalik Plaza, 8-2-629/K,
Road Number 1, Banjara Hills, Hyderabad 500034, Telangana. Phone no: 8121018378 Email id:
cs.banjara@sbimf.com HAMIRPUR: SBI Funds Management Ltd , c/o State Bank of India, Main Branch, Ist floor,
Hamirpur – 177001, Himachal Pradesh. Phone no:01972-224799 Email id: cs.hamirpur@sbimf.com. HALDIA: SBI
Funds Management . Ltd. Akash Ganga Commercial Complex, 3rd Floor, Manjushree, Village Basudevpur, Post
Office – Khanjanchak, Police Station- Durgachak, Haldia - 721602, Purba Medinipur Phone No: 9073641484 Email
Id: cs.haldia@sbimf.com HALDWANI: SBI Funds Management Ltd, SBI SME Main Branch, Nainital Road,
Haldwani, Uttarakhand – 263 139, Tel: 9412084061. HAZARIBAGH : SBI Funds Management Ltd, Prabhu Niwas
Market, AnandaChowk , Guru Govind Singh Road, Hazaribagh – 825301, Jharkhand. HASAN: 1st Floor, Sri
Charana Complex, Above SBI Main Branch, Behind Suvarna Residency, BM Road, Hassan - 573201.Phone No:
8976920387 Email Id: cs.hassan@sbimf.comHISSAR: SBI Funds Management Ltd, 42,Red Square Market, Nr.
Hotel Regency, Hisar -125001, Haryana,, Tel: 01662 238415. HUBLI: SBI Funds Management Ltd, c/o: State Bank
of India, Market Branch, Laxmi Complex, Near Court Circle, Hubli-580029, Tel: 0836-2368477. HOSIHARPUR : SBI
Funds Management Limited Ground Floor, Opposite Green View Park Near SBI Main Branch, Hoshiarpur-146001
Email ID: cs.hoshiarpur@sbimf.com Phone No.: 01882-228415 INDORE:SBI Funds Management Ltd, 215-216
City Centre, 2nd floor,570 M.G. Road, Indore – 452001, Tel : 0731 -
2541141/4045944/4991080/4991081/4991082/4991083. IMPHAL : SBI Funds Management Ltd, C/o State Bank
of India, Imphal Branch, M. G. Avenue, Imphal – 795001, Manipur. ITANAGAR : SBI Funds Management Ltd, C/o
State Bank of India, Personal Banking Branch, Ziro Point, Itanagar – 791111, Arunachal Pradesh.
JABALPUR: SBI Funds Management Ltd, G-2, Ground Floor, Rajleela Tower, Wright Town, Jabalpur – 482002,
Tel No.: 0761–2410042 .JAIPUR :SBI Funds Management Ltd, 1st Floor, SBI Tonk Road Branch, Near Times of
India Building,Tonk Road, Jaipur–302015, Tel : (0141) 2740016/2740061. JALANDHAR: SBI Funds Management
Ltd, SCO – 14, Ground Floor, P.U.D.A Complex Jalandhar – 144001. Email Id: CS.Jalandhar@SBIMF.COM
Phone No: 0181 - 2238415.JALGAON : SBI Funds Management Ltd., 2nd floor, Opp. SBI Main Branch, Stadium
Complex, JilhaPeth, Jalgaon - 425001, Maharashtra. JAMMU: First Floor, A1 North Block, Bahu Plaza, Jammu-
180012 Phone No : 0191-2474975 Email ID : cs.jammu@sbimf.com JAMMU: SBI FUNDS MANAGEMENT
LIMITED 115, FIRST FLOOR, A 1 NORTH BLOCK, BAHU PLAZA, JAMMU-180012 EMAIL ID:
CS.JAMMU@SBIMF.COM PHONE NO.: 0191-2474975 JAMNAGAR: SBI Funds Management Ltd, C/o SBI Ranjit
Road Branch, Ranjit Road, Jamnagar,-361001, Tel: 0288-2660104. JAMNAGAR: 105, First Floor, Neo Atlantic,
Opposite Amber Cinema, Jamnagar – 361 002, Gujarat. Phone No :0288 - 2660104 Email ID
: cs.jamnagar@sbimf.com JAMSHEDPUR: SBI Funds Management Ltd, Fairdeal Complex Unit, 2 M, M Floor,
Opposite Ram Mandir, Bistupur, Jamshedpur - 831001 Tel no.: 0657-2320447, Email ID:
cs.jamshedpur@sbimf.com JHANSI: 649-650 Ground Floor, Near Tulsi Hotel, Chitra Chauraha, Jhansi - 284001,
UttarPradesh, Tel no.: 0510 – 3548113, 0510 – 3500103, Email ID: CS.JHANSI@SBIMF.COM JODHPUR: SBI
Funds Management Limited PRM Palza, Plot No. 947, 10th D Road, Sardarpura, Jodhpur-342001 Phone No:
9829123397 Email ID : cs.jodhpur@sbimf.com. JORHAT : C/O Rajarshi Barua, 1st Floor, Above SBI ATM, Barpatra
Ali Road, Near JB College, Beside ICICI Bank, Jorhat – 785001, Assam Email Id: cs.jorhat@sbimf.com Phone No:
6913120050. JUNAGADH : SBI Funds Management Ltd, Balaji Avenue, First Floor, Shop No 7 & 8, Near Reliance
Mall, Opposite Rajlaxmi Park, Motibaug to Sardarbaug Road, Junagadh – 362001, Gujarat. Phone No: 0285 –
2670350 Email: csjunagadh@sbimf.com Jaunpur: SBI Funds Management Limited, First Floor, Dulari Complex,
478 Civil Court Road, Miyajpur, Jaunpur ,Uttar Pradesh-222002, Email Id- CS.JAUNPUR@SBIMF.COM, Phone
No: 9984070444, 05452-350064. JALPAIGURI: SBI Funds Management Limited, Sunny Apartment, Ground Floor,
Club Road, Opp. of State Bank of India - Jalpaiguri Branch, Jalpaiguri-735101 West Bengal, Phone No: 03561-
454009 / 9775277614, Email: csjalpaiguri@sbimf.com; KADAPA: SBI Funds Management Limited, 1 / 725,
2nd Floor, Maredddy Ananda Reddy Towers, Above HDFC Bank, Railway Station Road, Yerramukkapalli, Kadapa,
Andhra Pradesh – 516001.Phone No : 08562-355418 Email Id : cs.kadapa@sbimf.com KALABURAGI : SBI
Funds Management Ltd, 1st floor, Arihant Towers 8-1234 / SF, Asif Gunj, Kalaburagi – 585104. Email Id:
cs.gulbarga@sbimf.com Phone No: 7337877350 KANPUR :SBI Funds Management Ltd, 207, 2nd Floor, Sai

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Square, 16/ 116 (45), Bhargava Estate, Civil Lines, Kanpur- 208001, Tel No.: 0512- 6900314/15. KARAIKUDI: Door
No. 79, Koppu Nilayam, First Floor, Above Federal Bank, Sekkalai Road, Karaikudi Sivaganga District, Karaikudi –
630001, Tamil Nadu.Phone No : 04565292233 Email Id : cs.karaikudi@sbimf.com KARIMNAGAR: SBI Funds
Management . Ltd, 1st Floor, 2-9-13, Main Road, Geetha Bhavan Circle, Mukarrampura Street, Karimnagar -
505001. Phone No.: 08782931708 Email ID: cs.karimnagar@sbimf.com Kharagpur: SBI Funds Management . Ltd,
Khan Tower, 1• Floor, Q.T. Road, Inda, Q.T. Road, Inda, Kharagpur, Kharagpur, West Midnapore – 721305. Email
ID: cs.kharagpur@sbimf.com Phone No.: 03222-225592 KHARGHAR: SBI Funds Management . Ltd. Swarna CHS
Ltd., Shop No.18, Ground Floor, Plot No.13 / 14, Sector 7, Kharghar, Navi Mumbai - 410210. Phone No: 27740359
/ 69 Email Id: cs.kharghar@sbimf.com Kolkata :SBI Funds Management Ltd, Jeevandeep Bldg,No 1, Middleton
Street, 9th Floor, Kolkatta–700 001, Tel : 22882342/22883767/22883768.KALYANI : SBI Funds Management Ltd,
Sri Tapan Krishna Dey, Sudhalaya, A 1/50, Kalyani, District Nadia - 741235, West Bengal. KANNUR : SBI Funds
Management Ltd, C/o State Bank of India, NRI Branch, SBI Building, Fort Road, Kannur – 670001, Kerala.
KAKINADA : SBI Funds Management . Ltd. C/o SBI Main Branch, Main Road, Kakinada - 533001, Andhra Pradesh.
Phone No: 08842356767 Email Id: cs.kakinada@sbimf.com KAKINADA: 20-1-34/1,1st Floor, Subhash Road (20
Block), Revenue Ward No.14, Main road, Okk Super Bazar, Kakinada -533001, Andhra Pradesh Phone No : 0884-
2356767 Email ID : cs.kakinada@sbimf.comKHAMMAM: SBI Funds Management Limited, 3rd Floor, 15-9-540, J
L Towers, Beside ICICI Bank, Wyra Road, Khammam – 507001 Phone No : 08742293456 Email Id :
cskhammam@sbimf.com KHARAGPUR : SBI Funds Management Ltd, IndaPeerbaba, Near Ashirbad Lodge,
Kharagpur, Midnapore West, West Bengal – 721301. KOLHAPUR: SBI Funds Management Ltd, Ground Floor,
Shop No. 1 & 2, Ayodhya Tower, Dabholkar Corner, Station Road, Kolhapur – 416001 Phone No: 0231
2680880.KOLLAM : SBI Funds management Ltd, C/o State Bank of India, Kollam Branch, PB No 24, State Bank
Building, Near Railway Station, Kollam - 691001, Kerala. KOLLAM: 1st Floor, Uthram Chambers Building,
Thamarakulam, Kollam - 691 001, Kerala Phone No:+91 9136773494, Email ID: CS.Kollam@sbimf.com KORBA
: SBI Funds Management Ltd, C/o. State Bank of India, Kutchery Branch, Kutchery Chowk, Raipur – 492001,
Chattisgarh. KOTA: SBI Funds Management Ltd, First floor, Wonder view building (Modi Tower), Opposite Seven
wonder park Kothri Circle, Kota-324007, Rajasthan, Phone No : 90579 03628, Email ID: cs.kota@sbimf.com,
KOTTAYAM: SBI Funds Management Ltd, C/0 SBI Kalathipadi Branch, Opp. Karipal Hospital, K K Road,
Kalathipadi, Vadavathoor P O, Kottayam-686010, KUKATPALLY: SBI Funds Management Limited, 3rd Floor, 7 Sai
Plaza, Plot No.14, Beside Chermas Showroom, Dharma Reddy Nagar Colony, Phase II, Hyder nagar, Kukatpally,
Hyderabad – 500072, Telangana Email id: cs.kukatpally@sbimf.com KOTHRUD: SBI Funds Management Limited
Shop No 3 & 4, Success Square, Lower Ground Floor, Kothrud, Pune - 411038, Maharashtra E-mail Id-
cs.kothrud@sbimf.com Phone No: 9545450847 KRISHNANAGAR: SBI Funds Management . Ltd.1st Floor, State
Bank of India, Krishnagar Branch, Krishnagar, Nadia, 5B, D.L. Roy Road, Krishnagar, West Bengal – 741101 Phone
no: 9836037773 Email id: isdkrishnanagar@sbimf.com KURNOOL : SBI Funds Management Ltd, Shop No 4,5
and 6,Ground Floor, Skandanshi Vyapaar Opposite Old Ediga, New Bus Stand Road, Kurnool 518003, Andhra
Pradesh Phone No: 08518-227776 Email Id: cs.naz@sbimf.com KALYAN : SBI Funds Management Limited,
Shop No. 2, 3 & 4, Shubham Apartment, Santoshi Mata Road, Kalyan (West)-421 301,ThaneTel: 0251-2311980
Email: cs.kalyan@sbimf.com. KALYANI: B-9/277/(CA), 1st Floor, Kalyani, District Nadia, West Bengal - 741235,
Tel: 033-25827700. KUMBAKONAM: SBI Funds Management Limited. Old Door No.73, New Door No.46,
Sarangapani South Street, Kumbakonam, Tamil Nadu – 612 001. Phone No : 0435 2427426 Email Id :
Cs.kumbakonam@sbimf.com KORAMANGALA: C/o. State Bank of India,Start – Up Hub Branch,#117, 1st Floor,
7th Block, Industrial Layout, Koramangala, Bengaluru - 560 095. Phone No:9972302919 Email Id :
CS.Koramangala@sbimf.com KASARAGOD : SBI Funds Management Limited, Municipal Door No. KMC
6/1764P1764 V, First Floor,Aishwarya Arcade, Bank Road, Kasaragod, Kerala -671121, Phone No: 04994-230350
Email Id : cs.kasaragod@sbimf.com KAITHAR: First Floor, Daulat Ram Chowk, Near Rajshree Jeweller, Katihar
– 854105, Bihar, Phone no: 6287042256, Email Id: cs.katihar@sbimf.com. KATNI: Ground Floor, Jeevan Savitri
Complex, Near Shree Hospital, Ward No 28, Bargwan Road, Bargwan Road, Katni – 483501, Madhya Pradesh,
Phone No: 07622-478774 / 6269111462, Email Id: cs.katni@sbimf.com LATUR: Ground Floor, Shop No. 4,
Omkar Complex, Khardekar Stop, Ausa Road, Latur – 413512.Phone no: 02382 - 299494 Email id:
cs.latur@sbimf.com LUCKNOW :SBI Funds Management Ltd, G-16, Kasmande House,2, Park Road,
Hazratganj,Lucknow-226 001, Tel : (522) 2286741,2286742. LUDHIANA :SBI Funds Management Ltd, SCO-124,
Ground Floor, Feroze Gandhi Market, Ludhiana - 141001, Phone No.: 0161-2449849, 0161-5058415. LEH : SBI
Funds Management Ltd, C/o State Bank Of India Fire & Fury Branch, Opp. Hall of Fame, Air Port Road Leh, Dust
- Leh. – 194101, Jammu & Kashmir. MAHABUBNAGAR: SBI Funds Management Limited Ground Floor - #10-5-
83/2A, Sara Complex, Mahabubnagar- 509001, Telangana Phone No: 08542 220091 Email Id:
cs.mahabubnagar@sbimf.com MADHAPUR: SBI Funds Management Ltd, 1st Floor, Shristi Tower, 1-98/2/11/3,

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Arunodaya Colony, Madhapur, Opposite Karachi Bakery, Hyderabad – 500081, Telangana, Phone no: 040
23119010. MANCHERIAL: SBI Funds Management Limited. 1st Floor, House No. 12 -318 / 319, BPL 'X' Road,
Mancherial, Telangana - 504208. Phone No: 08736299994 Email ID: cs.mancherial@sbimf.com MATHURA:
Sangam Complex, 98-C Krishna Nagar,Mathura-281004,Uttar PradeshPhoneNo:8979636665 Email
Id: cs.mathura@sbimf.com MUMBAI : SBI Funds Management Limited. Unit No. 31, CR2 Mall, Plot no. 240 &
240A, Backbay Reclamation, Block no. III, Nariman Point, Mumbai - 400021, Maharashtra. Email Id:
cs.mumbai@sbimf.com Phone No: 022 – 66532800. MADURAI: SBI Funds Management Ltd, Ground Floor, Surya
Towers, 272, Good Shed Street, Madurai - 625001 Phone No: 0452 4374242 Email id: cs.madurai@sbimf.com.
MAPUSA: Shop no 9 & 10,Ground Floor, Garden Centre, Block A, Opposite Mapusa Police station, Mapusa -
403507, Goa. Phone No : 91 8669668965 Email Id : cs.mapusa@sbimf.com. MALDA: SBI Funds Management
Ltd, C/o ArindamSarkar, Vivekananda Pally, Behind Fouzder Clinic, English Bazar, Malda - 732101, West Bengal.
MANDI: C/O State Bank of India, 2nd Floor, Near Gandhi Chowk, Teh Sadar- Himachal Pradesh, Mandi -175001,
Phone No.: 08894321280. MANGALORE: SBI Funds Management Ltd, 2nd Floor, Essel Towers, Bunts Hostel
Circle, Mangaluru - 575003, Tel: (0824)2222463. MANINAGAR: SBI Funds Management Ltd, 3rd Floor, 301, Amruta
Arcade, Above Jade Blue, Opposite Jupiter House, Maninagar Cross Road, Maninagar, Ahmedabad – 380 008
Phone No: 079 – 48442929 Email Id: csmaninagar@sbimf.com MARGAO : SBI Funds Management Ltd, G1 &
G2, Ground Floor, Jivottam, Minguel Miranda Road, Off Abade Faria Road, Margao, Goa – 403601, Phone No:
0832-2725233 / 0832-2725234 Email Id:cs.margao@sbimf.com MEERUT: SBI Funds Management Ltd, Ground
Floor ,RS Corporate House - A Plot No 229, Mangal Pandey Nagar, Near Bhagyashree Hospital, Opposite
Broadway Inn Hotel, Meerut- 250004, UttarPradesh, Phone No: 01214229616,8954891572, Email ID:
cs.meerut@sbimf.com
MEHSANA : SBI Funds Management Ltd, Shop No. FF 56, Someshwar Mall, Modhera Road, Mehsana – 384002,
Gujarat. MORADABAD: SBI Funds Management Ltd, C/o SBI Main Branch, Civil Lines, Moradabad-244001, Tel:
(0591) 2411411. MOTIHARI: SBI Funds Management. Ltd.C/o State Bank of India, Chandmari Branch, Near Petrol
Pump, Chandmari, Motihari, East Champaran – 845401, Bihar MOHALI: SBI Funds Management Ltd, SCO 36-37,
VRS District One, Above HDFC Bank Sector 68, SAS Nagar Mohali- 160062, Punjab. Phone no: 0172-5053380 ,
Email id: cs.mohali@sbimf.com MUZZAFFARPUR: SBI Funds Management Ltd, 2nd Floor, State Bank of India,
Main Branch, Red cross Building, Company Bagh, Muzaffarpur – 842001. Phone No: 08252106111/06200610373
Email id: CS.Muzaffarpur@sbimf.com Tel:. MYSORE: SBI Funds Management Ltd, No-145,1st Floor, 5th Cross,
5th Main, Sarswathipuram, Mysore - 570009, Tel: 0821-2424919. MAPUSA: Shop no 9 & 10,Ground Floor, Garden
Centre, Block A, Opposite Mapusa Police station, Mapusa -403507, Goa. Phone No : 91 8669668965 Email Id :
cs.mapusa@sbimf.com. MIRZAPUR - First Floor, Triveni Chaurasia,Triveni Campus,Ratanganj,Mirzapur-
231001,Uttar Pradesh.Phone No: 9984507831 05442-350022 Email Id:Cs.Mirzapur@Sbimf.Com. Malappuram:
18/484, First Floor, Thangal Shopping Complex, Kottappadi, Plaza Tower, Down Hill Area, Malappuram, Kerala
676505, Phone No: 7559046677, Email Id: cs.malappuram@sbimf.com NAGPUR: SBI Funds Management Ltd,
1st floor,Wardha House, Central Road, Ramdaspeth, Nagpur – 440010, Tel No.: 0712-2996170,0712-
2996160,Email Id: cs.nagpur@sbimf.com. NEW DELHI :SBI Funds Management Ltd,Ground Floor, Gopal Das
Building, 28 Barakhamba Road, Connaught Place, New Delhi 110001 Phone No: 011-23466601-
620 Email ID: cs.delhi@sbimf.com NANDED: SBI Funds Management Ltd, First Floor, Shop No. 16, Sanman
Prestige, Station Road, Nanded – 431601.Phone No: 02462-244144 Email Id: ISC.Nanded@sbimf.com NADIAD
: SBI Funds Management Ltd, City Point Complex, Shop # 04, Ground Floor, Opp. Ipcowala Town Hall, Near
ParasTalkis, Collage Road, Nadiad – 387001, Gujarat. NALGONDA: SBI Funds Management ltd, 1st Floor, NC’s
Sai Plaza, Door No-6-3-10/A ,V T Road, Ramagiri, Nalgonda-508001,Telangana Phone no: 08682-221999 Email
id: cs.nalgonda@sbimf.com NASHIK: SBI Funds Management Ltd, Ground Floor, Sharada Niketan, Tilak Wadi
Road, Opp. Hotel City Pride, Sharanpur Road, Nashik – 422002. Tel No.: 0253-2232553 Email ID:
Nasik.Isd@sbimf.com NAVSARI :SBI Funds Management Ltd, C/o State Bank of India, 105, Rudraksh Apt, Nr.
Dhruvini Hospital, Asha Nagar Main Road, Navsari – 396445, Gujarat. NELLORE : SBI Funds Management Ltd,
C/o. State Bank of India, Vedayapalem Branch, Nellore - 524 004, Andhra Pradesh. NEHRU PLACE: SBI Funds
Management Ltd, 1st Floor, Shop No. 101-102 & 111 (1/2), Building No. 40 - 41, Bakshi House, Nehru Place, New
Delhi – 110019 Phone No: 011 – 26224606 Email id: cs.nehruplace@sbimf.com NIRMAN VIHAR: SBI Funds
Management . Ltd., 208, Vikasdeep Tower, Laxmi Nagar District Centre, Delhi – 110092 Phone no: 011- 46011830
Email id: cs.nirmanvihar@sbimf.com NIZAMABAD: SBI Funds Management. Ltd., 1st Floor, 6-2-55, Opposite Indur
High School, Subhash Nagar, Near Zilla Parishad, Nizamabad – 503002. Phone No: 08462-234001 Email id:
cs.nizamabad@sbimf.com NOIDA: SBI Funds Management Ltd, GF-07 ansal fortune arcade K- block, Sector – 18,
Noida – U P NOIDA-201301, Tel : 0120 4232214.OOTY: SBI Funds Management Limited, No.205, B-11, First Floor,
Sri Lakshmi Complex New Agraharam, Commercial Road, Ooty – 643001 PATNA :SBI Funds Management Ltd,

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501, Rajendra Ram Plaza, Exhibition Road, Patna- 800001 Phone No: 9262699197 / 9262699198 Email id:
CS.Patna@sbimf.com patna.isc@sbimf.com PANIPAT: SBI Funds Management Ltd, Time Square, 27-28 BMK
Market, Behind Hotel Hive, G T Road, Panipat-132103, Haryana Tel: 0180-2648415 / 0180 – 4078415 PALAKKAD:
SBI Funds Management . Ltd.,2nd Floor, Builtech Building, Chittoor Road, Palakkad – 678013, Kerala PATIALA :
SCO 14-15, Ground Floor, Opp. Kamal Laboratory, New Leela Bhawan, Patiala-147001. Tel No.: 0175-2300058.
PONDA: hop no. G-22, Ground Floor, Rajdeep Galleria, Near Municipal Garden, Ponda-403401, Goa Email Id:
cs.ponda@sbimf.com Phone No: 9145252633 PUNE: SBI Funds Management Ltd, Ground Floor, Pradeep
Chambers, Near Idea Showroom, Bhandarkar Road, Pune – 411005 Tel No.: 022-25670961 / 25671524 /
25653398/99 PUNE : SBI Funds Management Limited. Ground Floor, Shop No – 32 and 33, Kumar Place
CHS,2408, East Street, Pune, Maharashtra – 411001.Phone No: 9850815152 Email Id:
cs.camppune@sbimf.comPUDUCHERRY: SBI Funds Management . Ltd. First Floor, MPR Complex, No.152,
Easwaran Koil Street, Puducherry – 605001, Tel no.: 0413-2222266 Email ID: Cs.pondy@sbimf.com PURULIA:
Omkar Towers, 2nd Floor, Ranchi Road, Ward Number 1, Above SBI Purulia Bazar Branch, Purulia – 723101, West
Bengal. Phone No : 9002039328 Email Id : Souvik.ghosh@sbimf.com PITAM PURA : SBI Funds Management
Ltd, 112HB, 1st Floor, Twin Tower, Netaji Subhash Place, Near Max Hospital, Pitam Pura, New Delhi - 110034, Tel
: 011-27351974. PATNA: Ground floor, Shop No. 4 & 5, Sun Rise Sai Ozone Plaza, Near RPS More, Danapur,
Patna-801503, Bihar, Tel no.: 0612-3117266 / 0612-3127760 Email ID: cs.patna2@sbimf.com. Palanpur: 1st
Floor, Shop No. 30, Sanskrut Shopping Mall, Opposite Income Tax Office, Above SBI, Abu Highway Road, Palanpur
- 385 001, Gujarat. Tel no: 02742 – 252235 Email ID: cs.palanpur@sbimf.com, PANCHKULA: SCF-82, First Floor,
Sector 12, Panchkula, Haryana -134112, Phone no: 01722580136, 9592008415 Email ID:
cs.panchkula@sbimf.com PRAYAGRAJ: SBI Funds Management Ltd, 54E, Ground Floor, Triveni Vinayak, Tower,
Opposite Auto Sales, Beside, Bank of Baroda Kanpur Road, Prayagraj – 211001, Uttar Pradesh. Phone No: 0532-
2261028 / 8052007333 Email Id: cs.allahabad@sbimf.com RAIGARH: SBI Funds Management Limited, Plot No
957, Opposite Axis Bank, Dimrapur Road, Jagatpur, Raigarh, Chhattisgarh – 496001. Email id:
cs.raigarh@sbimf.com RAIPUR: SBI Funds Management Ltd, Raj Villa, Near Raj Bhawan, Civil Lines,
GhadiChowk,Raipur- 492001, Tel : (0771) 2543355,4263256,4056808.RAMGARH: Ground Floor, Beside Income
Tax Office, Thana Chowk, Ramgarh Cantt, Ramgarh – 829122, Jharkhand. Phone no: 9262973777 Email id:
CS.Ramgarh@sbimf.com RANCHI : Unit 104,1st floor, Jokhiram Chambers, Opposite G.E.L. Church Complex,
Behind Mahabir Tower, Main Road, Ranchi - 834001, Jharkhand, Tel: 9693205026. RAJAHMUNDRY :SBI Funds
Management Ltd, C/o, SBH Main Branch, T Nagar, Rajahmundry – 533 101, Tel: (0883)2434002. RAJKOT: SBI
Funds Management Ltd, SBI Funds Management Limited. Rathod Chambers, Ground Floor, Office No.4,
Opposite Shivalik-7, Beside Shell Petrol Pump, Gondal Road, Rajkot-360002. Phone No: 7777002460/61
Email ID: cs.rajkot@sbimf.com RAEBARELI : SBI Funds Management . Ltd. 1st Floor,460/24, Canal Road,
Raebareli-229001, Uttar Pradesh. Email Id: cs.raebareli@sbimf.com Phone No: 9984559444. RATLAM : SBI Funds
Management Ltd, 14/1, Chhatripul, Main Road, Ratlam – 457001, Madhya Pradesh. RATNAGIRI : SBI Funds
Management Ltd, Ground Floor, Arihant Complex, Arogya Mandir, Behind Bus Stop, Ratnagiri – 415639,
Maharashtra Phone No : 7506868073. ROHTAK : SBI Funds Management Ltd, Ashoka Plaza, Ground Floor, Delhi
Road, Rohtak-124001 Tel: 01262258415. ROURKELA: 1st Floor, Dhananjay Niwas, Udit Nagar, Rourkela, Odisha
– 769012, Tel No.: 0661-2522999 SURAT :SBI Funds Management Ltd, International Trade Centre, Higher Ground
Floor – 31, Majura Gate Crossing, Ring Road, Surat – 395002 Tel : (0261) 3994800.SAHARANPUR : SBI Funds
Management Ltd, C/O State Bank of India, Court Road Main Branch ,Saharanpur, 247001, Uttar Pradesh Email Id:
cs.saharanpur@sbimf.com Phone No: 8979780609. SAGAR : SBI Funds Management Ltd, Shop No. G-11,
Dwarikaji Complex, Civil Lines, Sagar - 470 001, Madhya Pradesh. SALEM: SBI Funds Management Ltd. Nakshatra
Trade Mall”, No.55/1,Ramakrishna Raod, Near Gopi Hospital,Salem-636007, Tel: 0427-4552289. SAMBALPUR:
SBI Funds Management Ltd, State Bank Of India, Sambalpur Main Branch, Sambalpur, Dist. sambalpur, Orissa-
768001, Tel: 0663-2410001. SAMBALPUR: M/S- Swagat Complex 2nd floor, Above Patra Electronics, Ainthapali ,
Sambalpur -768004 Email Id: cs.sambalpur@sbimf.com Phone No:0663- 2410001SANGRUR: SBI Funds
Management . Ltd, c/o State Bank of India, Barra Chowk Branch, Sangrur– 148023, Punjab. Phone no:0167-
2500020 , 9855228415 Email id: cs.sangrur@sbimf.com SANGLI: SBI Funds Management . Ltd 1st
Floor-101, Shrilaxmi Chembers, Opposite ZP Office, Sangli - Miraj Road, Sangli – 416416. Phone no:
8806600921Email: cs.sangli@sbimf.com SATARA: SBI Funds Management . Ltd, 1st Floor 287/1/J/6, Adarsh
Corner, Opposite Rajtara Hotel, Radhika Road, Satara – 415001. Phone no: 8806009837 Email:
cs.satara@sbimf.com; SECUNDERABAD: SBI Funds Management . Ltd, 403, 4th Floor, Legend Crystal, P. G.
Road, Near Paradise Circle, Secunderabad – 500003, Tel No.: 040-69000541/542. SHILLONG: SBI Funds
Management Ltd, SBI Shillopng Main Branch, Shillong, Meghalaya-793001, Tel: 9436730174. SHIMLA: SBI Funds
Management Ltd, C/o State Bank of India, New Building (2nd Floor), Kali Bari, The Mall, Shimla-171003, Himachal

93
Pardesh, Tel: 0177-2807608. SHIMOGA: SBI Funds Management Ltd, SBI Shimoga Branch, Shroff Complex, Sir,
M.V. Road, Tilak Nagar, Shimoga-577201, Tel: 8182222463. SILCHAR : SBI Funds Management Ltd, C/o State
Bank of India, New Silchar Branch, Silchar – 788005, Assam. SILIGURI: SBI Funds Management Ltd, Ganeshayan
Building -2nd Floor, Beside Sky Star Building, Sevoke Road,Siliguri-734001, Tel: 0353-2537065.SOLAPUR : SBI
Funds Management Ltd, 71 Lokmangal Bhavan, Ground Floor, Opposite Mayor’s Bungalow, Railway Lines,
Solapur 413001 Maharashtra, Phone No: 0217 -2315292 Email Id: cs.solapur@sbimf.com ,SIWAN: SBI Funds
Management . Ltd. C/o State Bank of India, PBB Branch, Mahadeva Road, Near Bajaj Agency, Opposite OP Thana,
Siwan – 841227. Phone no: 7545040123 Email id: cs.siwan@sbimf.com SREERAMPUR :SBI Funds Management
Ltd., Paradise Fancy Market, 35, N.S. Aveneue, 2 nd floor, Serampore, West Bengal. – 712201 Phone no:
9830856891 Email id: cs.sreerampore@sbimf.com SRIGANGANAGAR: SBI Funds Management Ltd, N-3,
Goushala Road, Sukhadia Circle, Sri Ganganagar-335001, Rajasthan. Email
id: cs.sriganganagar@sbimf.com. Phone no: 0154 – 2940384.SRIKAKULAM: SBI Funds Management . Ltd. C/o
SBI Main Branch, Grand Trunk Road, Srikakulam - 532001, Andhra Pradesh. Phone No: 08942228533 Email Id:
cs.srikakulam@sbimf.com SRIKAKULAM :Varanasi Krishna Murthy Complex, Beside Rema Gedda, Entrance to
Friends Colony, Peddapadu Road, Srikakulam - 532001, Andhra Pradesh Phone No : 08942 – 220533
Email Id :cs.srikakulam@sbimf.com SRINAGAR : SBI Funds Management Ltd., SBI Regional business Office,
2Nd Floor, M.A Road, Srinagar, Tel: 0194-2474864.SHIMLA: SBI Funds Management Limited, Dalziel Estate, Near
State Bank of India, Main Branch, Kali Bari Temple, The Mall, Shimla 171003, Himachal Pradesh. Phone no: 0177-
2807608 Email id: Cs.shimla@sbimf.com, SURENDRANAGAR: Office No.101, 1st
Floor, Mega Mall, Main Road, Surendranagar – 363001, Gujrat, Phone no: 02752-299060, Email id:
cs.surendranagar@sbimf.comn. SATNA: First Floor, Ekta Tower, Rewa Road, Opposite CMA School, Satna-
485001, Madhya Pradesh, Phone no: 07672-465948 / 9977001048 Email id: cs.satna@sbimf.com SONIPAT: 1st
floor, veer complex, prem nagar ,Atlas road, near petrol pump,Sonipat,Haryana-131001, Phone no: 9811484860,
Email id: cs.sonipat@sbimf.com TEZPUR: SBI Funds Management Ltd c/o SBI Chandmari Branch, Kumargaon
Beseria Road, Chandmari, Tezpur-784001, Assam. Phone no: 09436290224/ 09435019671 ROORKEE: SBI
Funds Management Ltd SBIMF-Investor Service Desk, C/o State Bank of India, Civil Lines, Roorkee – 247667
Phone no: 9045310073 Email id: cs.roorkee@sbimf.com; RAIGANJ: SBI Funds Management Limited, Plot No
149/23, Ground Floor, Siliguri More, Sudarshanpur, Opp. Vidya Chakra High School, Raiganj – 733134 West
Bengal, Phone no: 03523-254253 / 9831876396, Email id: csraiganj@sbimf.com;THRIVANTHAPURAM :SBI
Funds Management Ltd, Ground Floor, TC 25/373(9),Govt. Press Road, Near Secretariat, Trivandrum 695001, Tel
: (0471) 4011590/4011591/4011592. THANE: SBI Funds Management Ltd, Shop No 1, Kashinath CHS, Ghantali
Mandir Road Nr Ghantali Devi Mandir. Naupada, Thane-400602, Tel : 022-25401690,25414594.
THIRUCHIRAPALLI: SBI Funds Management Ltd, Supraja Arcade, 2nd Floor, No. 21, 6th Cross, Thillai Nagar,
Tiruchirappalli – 620018, Tamil Nadu, Tel: 0431-4000667. THISSUR :SBI Funds Management Ltd, C/o State Bank
of India, Thichur Town Branch, Poonam Complex, M G Road, Thissur – 680001, Kerala. THRISSUR: SBI Funds
Management Ltd, First Floor, Pooma Complex, M. G. Road, Trisshur – 680001 Tel: 0487-2445700. THIRUVALLA:
SBI Funds Management . Ltd.Building Number 500/5-A, Fusion Centre, Kottuppallil Buildings, Muthoor Post
Office, Ramanchira, Thiruvalla - 689107, Kerala. TINSUKIA: STATE BANK OF INDIA Tinsukia Bazaar Branch, 3rd
Floor, Ranghar Complex, G.N.B Road, Near Thana Charali, Tinsukia - 786125, Assam. PHONE NO: 8135847027
EMAIL ID: CS.TINSUKIA@SBIMF.COM TIRUNELVELI : SBI Funds Management Ltd, 182 E, Shop no 7,Arunagiri
Uma Complex, S.N.High Road, Tirunelveli - 627001, Tel: 0462 4220023. TIRUPATI: SBI Funds Management Ltd,
Door No 20-3-124 AB,1st Floor, Penumadu Towers,Beside SBI Korlagunta Branch,Near Leela Mahal Circle,Tirupati
– 517501 Phone No: 0877 2280208 / 2280206 Email id: cs.tirupati@sbimf.com.TIRUPUR: SBI Funds Management
Ltd, 2nd Floor, S & S Aracade, Door No: 10/5, Uthukuli Road, Above Axis Bank, Tirupur – 641601, Tamil Nadu.
Phone No: 09715111001Email: pn.sadagopan@sbimf.com TUMKUR: 1st Floor, 3rd Cross Ashok Nagar, Opposite
to Tumkur University, B H Road, Tumkur - 572101. Phone No: 7899732386 Email Id: cs.tumkur@sbimf.com
TUTICORIN : SBI Funds Management Limited, 283 B, Seethapathi Maaligai, First Floor, W.G.C. Road, Tamilnad
Mercantile Bank Upstairs, Tuticorin – 628002, Tamil Nadu Phone No.: 0461 2334400 Email ID:
cs.tuticorin@sbimf.com. TAMLUK: Ward No. 11, Padumbasan Building, Tamluk-721636, West Bengal. Phone No
: 9147044649 Email Id : cs.tamluk@sbimf.com, Tezpur: C/O Ms Rajat Saikia Complex, Ground Floor, Opposite
Hotel, Susuma, Mission Charali, Tezpur-784154, Sonitpur, Assam, Phone no: 03712-291135, Email id:
cs.tezpur@sbimf.com UDAIPUR: SBI Funds Management Ltd, Office No. G 05-06, Ground Floor, Amrit Shree,
Ashok Nagar Main Road ,Udaipur - 313001 Rajasthan, Phone No.:0294-2413717, Email Id:
cs.udaipur@sbimf.com, UDUPI: 1st Floor, Door No -13-2-1A, Vishwas Towers, Court Back Road, Udupi -
576101.Phone No: 9108042463 Email Id: cs.udupi@sbimf.com UJJAIN: SBI Funds Management . Ltd.No.133,
Santram Sindhi Colony, Opposite J K Nursing Home, Indore Road, Ujjain, Madhya Pradesh – 456010, Phone no:

94
09977719159 VADODARA :SBI Funds Management Ltd, 101 - 105, Glacier Complex,Near Pizza In, Jaselpur
Road, Vadodara - 390007, Tel : (0265) 2323010.VIJAYAWADA :SBI Funds Management Ltd, 1st Floor, Datta Sai
Vemuri Towers, Door No: 39-10-10, Veterinary Hospital Road, Labbipet, Vijayawada -520010,Tel : 0866 2436113 /
2438217 VALSAD: SBI Funds Management Ltd, 101, Amar Chambers, Near HDFC Bank, Opposite Lal School,
Valsad - 396001, Tel: 02632- 245440.VAPI : SBI Funds Management Ltd, A-106, First Floor Sonorous Business
Gateway, Opposite Circuit House, Near Railway Station, Koparli Silvassa Road,Vapi-
396191,Gujarat,Phoneno:0260-2400480,Emailid: cs.vapi@sbimf.com VARANASI: SBI Funds Management Ltd,
2nd Floor, Banaras TVS Bulding,, D-58/12, A-7, Sigra, Varanasi-221010, Tel: 0542-2222492. VELLORE : SBI
Funds Management Ltd, AKT Complex , First Floor, No 1/3,New Sankaran Palayam Road, Tolgate, Vellore-632001,
Tamil Nadu. Tel No-0416 - 2225005. VERSOVA : SBI Funds Management Limited, Shop No.12, Kabra Metro One,
Pratap CHS Ltd, J. P. Road, Versova, Andheri (West), Mumbai – 400 053, Phone no: 022 – 26300155 / 022
– 26300156. Email id: cs.versova@sbimf.com VISHAKAPATNAM: SBI Funds Management Ltd, Ground Floor,
Plot No-101, Kotu Empire, Near SBI Overseas Branch Balaji Nagar, VIP Road CBM Compound, Visakhapatnam –
530003 Andhra Pradesh, Tel No : 0891-2511853, Email ID: cs.visakhapatnam@sbimf.comVASHI : SBI Funds
Management Ltd, Thakkar Tower, Shop no 3, Sector 17, near Saraswat Bank, Vashi, Navi Mumbai - 400703, Tel :
022-27801018 / 27801016. VIZIANAGARAM: SBI Funds Management . Ltd. C/o SBI Main Branch, M G Road,
Vizianagaram - 535001, Andhra Pradesh. Phone No: 08922275439 Email Id: cs.vizianagaram@sbimf.com,
VIZIANAGARAM: 1st Floor, Door No. 9-6-10,Dr. Seshagiri Rao Complex, Beside Lions Club, Ananda Gajapathi
Road, Vizianagaram – 535001, Phone No:08922-275439, Email ID: cs.vizianagaram@sbimf.com WARANGAL:
SBI Funds Management Ltd, # 2-4-646/F 23 to 25, 1st Floor, ABK Mall, Old Bus Depot Road, Ramnagar,
Hanamkonda,Warangal-506001, Telangana. Phone No:0870-2430307 Email ID: cs.warangal@SBIMF.COM
YAMUNANAGAR 486 - L, Ground Floor, Opposite Deepak Pustak Bhandar, Model Town, Yamunanagar – 135001,
Haryana. Phone No: 01732-295044 Email ID: cs.yamunanagar@sbimf.com 115, First Floor, A1 North Block, Bahu
Plaza, Jammu-180012 Phone No : 0191-2474975 Email ID : cs.jammu@sbimf.com

CAMS INVESTOR SERVICE CENTRES / CAMS TRANSACTION POINTS

AHMEDABAD: 111-113,1st Floor - Devpath Building, Off: C G Road, Behind Lal Bungalow, Ellis Bridge,
Ahmedabad – 380006 Tel: 079-30082468/69. AGARTALA: CAMS Service Centre. Nibedita, 1st Floor, JB Road
Palace Compound, Agartala, Near Babuana Tea and Snacks, Tripura West – 799001. Phone No: 9436761695 ,
0381-2323009 Email id: camsaga@camsonline.com. AGRA: No. 8, II Floor, Maruti Tower, Sanjay Place, Agra-
282002, Tel: 0562-324 2267. AHMEDNAGAR: B, 1+3, Krishna Enclave Complex, Near Hotel Natraj, Nagar-
Aurangabad Road, Ahmednagar -414 001, Tel: 241-6450282. AJMER: AMC No. 423/30, Near Church,
Brahampuri,Opp T B Hospital, Jaipur Road, Ajmer-305001, Tel: 0145-329 2040. AKOLA :Opp. RLT Science
College, Civil Lines, Akola-444001, Tel: 724-3203830. ALIGARH: City Enclave, Opp. Kumar Nursing Home,
Ramghat Road, Aligarh-202001, Tel: 571-3200301. ALLAHABAD: 30/2, A&B, Civil Lines Station, Besides Vishal
Mega Mart, Strachey Road, Allahabad-211001, Tel: 0532-329 1274. ALLEPPEY: Doctor’s Tower Building, Door
No. 14/2562, 1st floor, North of Iorn Bridge, Near Hotel Arcadia Regency, Alleppey-688011, Tel: 477-3209718.
ALWAR: 256A, Scheme No:1, Arya Nagar, Alwar-301001, Tel: 0144-3200451. AMARAVATI : 81, Gulsham Tower,
2nd Floor, Near Panchsheel Talkies, Amaravati-444601, Tel: 0721-329 1965. AMBALA: Shop No.4250, Near B D
Senior Secondary School, Ambala Cantt, Ambala – 133001, Haryana. Email id: camsamb@camsonline.com
AMRITSAR: 3rd Floor Bearing Unit no- 313, Mukut House, Amritsar – 143001.Email Id:
camsamt@camsonline.com Phone No: 0183-5009990AMRELI: B1,1st Floor, Mira Arcode, Library Road, Opp SBS
Bank, Amreli-365601, Gujarat. Email: camsamre@camsonline.com Phone no: 02792-220792 ANAND: 101, A.P.
Tower, B/H, SardharGunj, Next to Nathwani Chambers, Anand-388001, Tel: 02692-325071. ANANTAPUR: 15-570-
33, I Floor, Pallavi Towers, Anantapur, Anantapur -515 001, Tel: 8554-326980, 326921. ANGUL: Similipada, Near
Sidhi Binayak+2 Science College, Angul – 759122. ANDHERI : 351, Icon, 501, 5th floor, Western Express Highway,
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ARRAH: Old NCC Office, Ground Floor, Club Road, Arrah – 802301, Email id: camsaar@camsonline.com.
ASANSOL: Block – G 1st Floor, P C Chatterjee Market Complex, RambandhuTalab P O Ushagram, Asansol-
713303, Tel: 0341- 2316054. AURANGABAD : 2nd Floor, Block No. D-21-D-22, Motiwala Trade Center, Nirala
Bazar, New Samarth Nagar, Opposite HDFC Bank, Aurangabad – 431001, Tel: 0240-6450226. BAGALKOT: 1st

95
floor, E Block Melligeri Towers, station road, Bagalkot-587101, Tel: 8354-225329. BAGALKOT: Shop No.02 1st
Floor, Shreyas Complex, Near Old Bus Stand, Bagalkot-587101, Karnataka. Email: camsbkt@camsonline.com
Phone no: 8354-220909 BALASORE: B C Sen Road, Balasore-756001, Tel: 06782-326808. BANGALORE: Trade
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4710, 30578004, 30578006. BANGALORE:First Floor, 17/1, (272), 12th Cross Road, Wilson Garden, Bangalore –
560027 Email: camsbwg@camsonline.com .Phone no: 09513759058.BANKURA: 1stFloor, Central Bank Building,
Machantala, Post Office & District Bankura, West Bengal -722101. Email: camsbqa@camsonline.com Tel. no.
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BARASAT: N/39, K.N.C Road, 1st Floor, Shri krishna Apartment, Behind HDFC Bank Barasat Branch, Post Office
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BARDOLI: F-10, First Wings, Desai Market, Gandhi Road, Bardoli-394601. Gujarat. Email:
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& P.S – Balurghat, District Dakshin Dinajpur, West Bengal – 733101, Phone No.: 0967901bori3116. BASTI: Office
no 3, Ist Floor, Jamia Shopping Complex, (Opposite Pandey School), Station Road, Basti-272002, Tel: 5542-
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Post Office at Basirhat College, North Parganas 24, Basirhat – 743412 BELGAUM: Classic Complex, Block no 104,
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812001.Phone No: 9264499905email Id: camsblp@camsonline.com. BHARUCH (PARENT: ANKLESHWAR TP):
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098253 04183. BHATINDA: 2907 GH,GT Road, Near ZilaParishad, BHATINDA, BHATINDA-151001, Tel: 164-
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Tel:0278-2225572, Email id: camsbha@camsonline.com BHILAI: First Floor, Plot No. 3, Block No. 1, Priyadarshini
Parisar West, Behind IDBI Bank, Nehru Nagar, Bhilai-490020, Tel: 9203900630 / 9907218680. BHILWARA:
Indraparstha tower, Second floor, Shyamkisabjimandi, Near Mukharji garden, Bhilwara-311001, Tel: 01482-231808,
321048. BHOPAL: Plot no 10, 2nd Floor, Alankar Complex, Near ICICI Bank, MP Nagar, Zone II, Bhopal-462011,
Tel: 0755-329 5873. BHUBANESWAR: Plot No - 111, Varaha Complex Building, 3rd Floor, Station Square,
KharvelNagar,Unit 3, Bhubaneswar-751 001, Tel: 0674-325 3307, 325 3308. BHUJ: Tirthkala First Floor, Opp.
BMCB Bank, New Station Road, Bhuj, Kachchh – 370001, Gujarat Phone No: 02832-45031 Email:
camsbuj@camsonline.com BHUSAWAL (PARENT: JALGAON TP): 3, Adelade Apartment, ChristainMohala,
Behind Gulshan-E-Iran Hotel, Amardeep Talkies Road, Bhusawal, Bhusawal-425201, BIHAR:. C/O Muneshwar
Prasad, Sibaji Colony, SBI Main Branch Road, Near Mobile Tower, Purnea - 854301, Bihar.E-mail-
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586101, Tel: 8352-259520. BIJAPUR: Padmasagar Complex,1st floor, 2nd Gate, Ameer Talkies Road, Vijayapur –
586101, Bijapur Phone No: 083 52259520. Email Id: camsbij@camsonline.com. BIKANER: Behind Rajasthan
patrika, In front of Vijaya Bank,1404, Amar Singh Pura, Bikaner-334001, Tel: 9214245819. BILASPUR: Shop No.
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BOKARO: 1st Floor, Plot No. HE-7 City Centre, Sector 4, Bokaro Steel City, Bokaro- 827004, Jharkhand, India,
Tel: 06542 – 359182 Email Id:camsbkr@camsonline.com BONGAIGAON: G.N.B.Road, Bye Lane, Prakash
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BOLPUR: Room No. FB26, 1st Floor, Netaji Market, Bolpur, West Bengal – 731204, Phone No.: 09800988054.
BORIVALI: 501 -Tiara CTS 617, 617/1-4, Off Chandavarkar Lane, Maharashtra Nagar, Borivali West, Mumbai -
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camsbdw@camsonline.com CALICUT: 29/97G 2nd Floor, Gulf Air Building, Mavoor Road, Arayidathupalam,
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Panchayat, Post office Chaibasa, Muffasil Thana, District - West Singhbhum, Jharkhand - 833201.Email ID -
camscbsa@camsonline.com Phone No - 9437340883 CHANDIGARH: Deepak Tower, SCO 154-155,1st Floor,
Sector 17-C, Chandigarh-160 017, Tel: 0172-304 8720, 304 8721, 304 8722, 3048723. CHANDRAPUR: Opposite
Mustafa Décor,Near Bangalore Bakery, Kasturba Road, Chandrapur-442402, Tel: 7172-253108. CHENNAI:

96
Ground Floor No.178/10, Kodambakkam High Road, Opp. Hotel Palmgrove, Nungambakkam, Chennai-600 034,
Tel: 044-39115 561, 39115 562, 39115 563, 39115 565. CHENNAI:Rayala Towers, 158, Anna Salai, Chennai –
600002 Tel: 044 30407236. CHENNAI: III Floor, B R Complex, No.66, Door No. 11A, Ramakrishna Iyer Street, Opp.
National Cinema Theatre, West Tambaram, Chennai – 600 045. Email: camstam@camsonline.com Phone no: 044-
22267030 / 29850030. CHHINDWARA: Shop No. 01, Near Puja Lawn, Parasia Road, Chhindwara - 480 001,
Madhya Pradesh, Tel No: 9203900507. CHIDAMBARAM: Shop No. 1 & 2,saradaram complex door no 6-7,
Theradikadai street, Chidambaram, Chidambaram-608001, Tel: 4144-221746. CHITTORGARH: 3 Ashok Nagar,
Near Heera Vatika, Chittorgarh -312001, Tel: 1472-324810. COCHIN: Ittoop’s Imperial Trade Center, Door No.
64/5871 – D, 3rd Floor, M. G. Road (North), Cochin-682 035, Tel: 0484-323 4658. Cochin: Modayil Building,Door
No. 39/2638 DJ,2nd Floor, 2A, M. G. Road,Cochin – 682 016 COIMBATORE: No 1334; Thadagam Road,
Thirumoorthy Layout, R.S. Puram, Behind Venkteswara Bakery, Coimbatore – 641002, Tel: 0422-2434355/53.
COOCHBEHAR: N. N. Road, Power House Choupathi, Coochbehar – 736101, West Bengal, Tel. no.:
9378451365.CUTTACK: Near Indian Overseas Bank, Cantonment Road, Mata Math, Cuttack-753001.
DARBHANGA: Ground Floor, Shyam Kunj, 2- Girindra Mohan Road, Near Radio Station, Darbhanga-846004
Bihar,Tel: 06272245004, Email ID: CS.Darbhanga@sbimf.com, DAVENEGERE: 13, Ist Floor,
AkkamahadeviSamaj Complex, Church Road, P.J.Extension, Devengere-577002, Tel: 08192-326226.
DEHRADUN: 204/121 NariShilpMandirMarg, Old Connaught Place, Dehradun-248001, Tel: 0135-325 8460.
DEOGHAR: S S M Jalan Road, Ground floor, Opp. Hotel Ashoke, Caster Town, Deoghar-814112, Tel: 6432-
320227. DEWAS: 11 Ram Nagar - 1st Floor, A. B. Road, Near Indian- Allahabad Bank, Dewas – 455001, Madhya
Pradesh. Phone No: 07272 – 403382 Email Id: camsdew@camsonline.comDHANBAD: Urmila Towers, Room No:
111(1st Floor), Bank More, Dhanbad-826001, Tel: 0326-2304675. DHARMAPURI :16A/63A, Pidamaneri Road,
Near Indoor Stadium, Dharmapuri, Dharmapuri -636 701, Tel: 4342-310304. DHULE: House No. 3140, Opp Liberty
Furniture, Jamnalal Bajaj Road, Near Tower Garden, Dhule – 424001, Tel No: 02562 – 640272. DIBRUGARH:
Amba Complex,Ground Floor,H S Road,Dibrugarh-786001. DIMAPUR: MM Apartment,House No; 436 (Ground
Floor), Dr. Hokeshe Sema Road, Near Bharat Petroleum, Lumthi Colony, Opposite T.K Complex, Dimapur – 797112,
Nagaland Email: camsdmv@camsonline.com.DURGAPUR: Plot No. 3601, Nazrul Sarani, City Centre, Durgapur-
713 216, Tel: 0343-2545420/30. ELURU: 22B-3-9, Karl Marx Street, Powerpet, Eluru, Andhra Pradesh - 534002.
Tel: 08812 – 231381 ERODE: 197, Seshaiyer Complex, Agraharam Street, Erode-638001, Tel: 0424-320 7730.
FAIZABAD: 9/1/51, Rishi Tola, Fatehganj, Ayodhya, Faizabad Uttar Pradesh–22400, Email Id:
camsfzd@camsonline.com FARIDHABAD: LG3, SCO 12 Sector 16, Behind Canara Bank, Faridabad – 121002
Phone No: 0129-4320372 Email id: camsfdb@camsonline.com FIROZABAD: First Floor, Adjacent to Saraswati
Shishu Mandir School, Gaushala, Near UPPCL Sub Station,(Gandhi Park), Company Bagh, Chauraha, Firozabad
– 283203,Email Id: camsfrz@camsonline.com GANDHIDHAM: Shyam Sadan, First Floor, Plot No 120,Sector 1/A,
Gandhidham - 370201 Phone No: 02836 233220 Email Id: camsgdm@camsonline.com. GANDHINAGAR: M-12
Mezzanine Floor, Suman Tower, Sector 11, Gandhinagar – 382011. Tel: 079-23240170. GANGTOK: House No:
GTK /006/D/20(3), Near Janata Bhawan, Diesel Power House Road (D.P.H. Road), Gangtok - 737101, Sikkim.
Phone No: 03592-202562 Email: camsgtka@camsonline.com GAYA: C/O Sri Vishwanath Kunj, Ground Floor,
Tilha Mahavir Asthan, Gaya – 823001.Phone No: 9472179424 Email Id: camsgaya@camsonline.com
GHAZIABAD: First Floor C - 10 RDC Rajnagar, Opposite Kacheri Gate No.2 Ghaziabad – 201002.Phone No: 0120
– 6510540 Email Id: camsgha@camsonline.comGOA: Lawande Sarmalkar Bhavan, 1st Floor, Office No. 2 Next to
Mahalaxmi Temple, Panaji, Goa - 403 001, Tel: 0832- 6450439. GODHRA: 1st Floor, Prem Praksh Tower, B/H
B.N.Chambers, Ankleshwar Mahadev Road, Godhra – 389001, Gujarat Email: camsgdh@camsonline.com Phone
no: 08000724711GONDAL (PARENT RAJKOT): A/177, Kailash Complex, Opp. Khedut Decor, GONDAL-360 311,
Tel: 0281-329 8158. GORAKHPUR: Shop No. 3, Second Floor, The Mall, Cross Road, A.D. Chowk, Bank Road,
Gorakhpur-273001, Tel: 0551-329 4771. GORAKHPUR : CAMS SERVICE CENTRE UNIT NO-115, FIRST FLOOR,
VIPUL AGORA BUILDING, SECTOR-28, MEHRAULI GURGAON ROAD, CHAKKAR PUR GURGAON - 122001
EMAIL ID: CAMSGUR@CAMSONLINE.COM PHONE NO: 0124-4048022 GULBARGA: Pal Complex, Ist Floor,
Opp. City Bus Stop, Super Market, Gulbarga, Gulbarga-585 101, Tel: 8472-310119. GUNTUR: Door No 5-38-44,
5/1 BRODIPET, Near Ravi Sankar Hotel, Guntur-522002, Tel: 0863-325 2671. GURGAON: UNIT NO-115, First
Floor, Vipul Agora Building, Sector-28, Mehrauli Gurgaon Road, Chakkar Pur Gurgaon – 122001 Email
Id:camsgur@camsonline.com Phone No.0124-4048022. GUWAHATI: Piyali Phukan Road, K. C. Path, House No
– 1, Rehabari, Guwahati – 781008, Phone No.: 07896035933. GWALIOR: G-6 Global Apartment, KailashVihar
Colony, Opp. Income Tax Office, City Centre, Gwalior-474002, Tel: 0751-320 2311. HALDIA: 2nd Floor, New Market
Complex, 2nd Floor, New Market Complex, Durgachak Post Office,PurbaMedinipur District, Haldia, Haldia-721 602,
Tel: 3224-320273. HALDWANI: Durga City Centre, Nainital Road, Haldwani, Haldwani -263139, Tel: 5946-313500.
HARIDWAR: F – 3, Hotel Shaurya, New Model Colony, Haridwar, Uttarkhand – 249408, Email id:

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camshwr@camsonline.com. HASSAN: 'PANKAJA', 2nd Floor, Near Hotel Palika, Race Course Road, Hassan-
573201, Karnataka. Email: camshas@camsonline.com Phone no: 08172-297205 HAZARIBAG: Municipal Market,
AnnandaChowk, Hazaribagh, Hazaribagh-825301, Tel: 6546-320250. HIMMATNAGAR: Unit No. 326, Third Floor,
One World-1,Block-A,Himmatnagar-383001,Gujarat,Phone No: 02772244332,Email
id:camshim@camsonline.com HISAR: 12, Opp. Bank of Baroda, Red Square Market, Hisar, Hisar-125001, Tel:
1662-329580. HOSHIARPUR :NearArchies Gallery, Shimla PahariChowk, Hoshiarpur, Hoshiarpur-146 001, Tel:
1882-321082. HOSUR:No.9/2, 1st Floor,Attibele Road, HCF Post,Behind RTO Office, Mathigiri, Hosur –
635110,Tel: 04344-645010. HUBLI: No.204 - 205, 1st Floor, ‘ B ‘ Block, Kundagol Complex, Opp. Court, Club Road,
Hubli-580029, Tel: 0836-329 3374. HYDERABAD: 208, II Floor, Jade Arcade, Paradise Circle, Secunderabad-500
003, Tel: 040-3918 2471, 3918 2473, 3918 2468, 3918 2469. INDORE: 101, Shalimar Corporate Centre, 8-B, South
tukogunj, Opp.Greenpark, Indore-452 001, Tel: 0731-325 3692, 325 3646.JABALPUR: 8, Ground Floor, Datt
Towers, Behind Commercial Automobiles, Napier Town, Jabalpur-482001, Tel: 0761-329 1921. JAIPUR: R-7,
YudhisthirMarg, C-Scheme, Behind Ashok Nagar Police Station, Jaipur-302 001, Tel: 0141-326 9126, 326 9128,
5104373, 5104372. JALANDHAR: 144, Vijay Nagar, Near Capital Small Finance Bank,Football Chowk, Jalandhar
City – 144001 Phone No: 0181 – 2452336 Email Id: camsjal@camsonline.com JALGAON: RustomjiInfotech
Services, 70, Navipeth, Opp. Old Bus Stand, Jalgaon-425001, Tel: 0257-3207118. JALNA : Shop No 6, Ground
Floor, Anand Plaza Complex, Bharat Nagar,ShivajiPutla Road, Jalna, Jalna-431 203, Tel: - JALPAIGURI : Babu
Para, Beside Meenaar Apartment, Ward No VIII, Kotwali Police Station, Post Office & District : Jalpaigur – 735101,
West Bengal. JAMMU: JRDS Heights, Lane Opp. S&S Computers, Near RBI Building, Sector 14, Nanak Nagar,
Jammu-180004, Tel: 09205432061, 2432601. JAMNAGAR: 217/218, Manek Centre, P.N. Marg, Jamnagar-
361008, Tel: 0288-3206200. JAMSHEDPUR: Tee Kay Corporate Towers, Third Floor, S B Shop Area, Main Road,
Bistupur, Jamshedpur-831001, Jharkhand, Tel: 0657-2320015, Email id: camsjpr@camsonline.com JAUNPUR
:248, FORT ROAD, Near AMBER HOTEL, Jaunpur -222001, Tel: 5452-321630. JHANSI: 372/18 D, 1st Floor,
Above IDBI Bank, Beside V-Mart, Near "RASKHAN", Gwalior Road, Jhansi – 284001, Tel: 9235402124/
7850883325. JODHPUR: 1/5, Nirmal Tower, IstChopasani Road, Jodhpur-342003, Tel: 0291-325 1357. JORHAT:
Jail road, Dholasatra,Near Jonaki Shangha Vidyalaya,Post Office – Dholasatra, Jorhat – 785001, Assam, Tel :
0376-2932558. JORHAT: Singh building, Ground Floor, C/o-Prabhdeep Singh, Punjabi Gali, Opposite V-mart, Gar
Ali, PO & PS, Jorhat – 785 001, Assam. Phone No: 7086113787, Email id: camsjor@camsonline.com
JUNAGADH: “AASTHA PLUS”, 202-A, 2nd floor, Sardarbag road, Near Alkapuri, Opp. Zansi Rani Statue, Junagadh
– 362001, Gujarat, Tel: 0285-6540002. KALYAN: CAMS Service Centre. Office No 413, 414, 415, 4th Floor,
Seasons Business Centre, Opposite KDMC (Kalyan Dombivli Municipal Corporation), Shivaji Chowk, Kalyan West
– 421 301. Email id: camskyn@camsonline.com KADAPA: BandiSubbaramaiah Complex, D.No:3/1718, Shop No:
8, Raja Reddy Street, Kadapa, Kadapa-516 001, Tel: 8562-322099. KANGRA: Collage Road, Kangra, District
Kangra-176001, Himachal Pradesh.Email: camskan@camsonline.com Phone no:01892-260089 KAKINADA: D
No-25-4-29,1st floor, Kommireddy Vari Street, Beside Warf Road, Opposite Swathi Medicals, Kakinada - 533001,
Andhra Pradesh, Phone No.: 0884-6560102. KANNUR: Room No.14/435, Casa Marina Shopping Centre, Talap,
Kannur, Kannur-670004, Tel: 497-324 9382. KANPUR: I Floor 106 to 108, CITY CENTRE Phase II, 63/ 2, THE
MALL, Kanpur-208 001, Tel: 0512-3918003, 3918000, 3918001, 3918002. KARIMNAGAR: HNo.7-1-257, Upstairs
S B H, Mangammathota, Karimnagar, Karimnagar -505 001, Tel: 878-3205752, 3208004. KARNAL 29, Avtar
Colony,Behind Vishal Mega Mart, Karnal – 132001, KARUR: 126 G, V.P.Towers, Kovai Road, Basement of Axis
Bank, Karur, Karur -639002, Tel: 4324-311329. KASARAGOD : KMC XXV/88, I, 2nd Floor, Stylo Complex, Above
Canara Bank, Bank Road, Kasaragod – 671121. Tel: 04994-224326 KASHIPUR: Dev Bazar, Bazpur Road,
Kashipur-244713 Email:camskpv@camsonline.com KATNI: 1st FLOOR, GURUNANAK DHARMAKANTA,
Jabalpur Road, BARGAWAN, KATNI-483 501, Tel: 7622-322104. KATIHAR: C/o, Rice Education and IT Centre,
Near Wireless Gali, Amla Tola Road, Katihar, Bihar – 854105. E-mail - camskir@camsonline.com KESTOPUR:
S.D. Tower, Sreeparna Apartment, AA-101, Prafulla Kannan (West), Shop No. 1M, Block –C (Ground Floor),
Kestopur – 700101, Kolkata. KHAMMAM : Shop No: 11 - 2 - 31/3, 1st floor, Philips Complex, Balajinagar, Wyra
Road, Near Baburao Petrol Bunk, KHAMMAM-507 001, Tel: 8742-323973. KHARAGPUR: Silver Palace, OT Road,
Inda-Kharagpur, G.P-Barakola, P.S- Kharagpur Local – 721305, District West Midnapore, Phone No.: 9800456034.
KOLHAPUR: 2 B, 3rd Floor, Ayodhya Towers, Station Road, Kolhapur-416001, Tel: 0231-3209 356.
KOLKATA:CAMS COLLECTION CENTER 3/1, R.N. Mukherjee Road, 3rd Floor, Office space -3C, “Shreeram
Chambers” Kolkata -700 001. KOLLAM: Uthram Chambers (Ground Floor), Thamarakulam, Kollam - 691006,
Kerala, Email: camsklm@camsonline.com, Phone No: 0474-2742823. KORBA: KH. No. 183/2G, Opposite Blue
Diamond The Hotel, T.P. Nagar, Korba, 495677 Chhattisgarh. Phone No: 7759 356037 Email id:
camskrba@camsonline.com KOTA: B-33 ‘KalyanBhawan, Triangle Part, Vallabh Nagar, Kota-324007, Tel: 0744-
329 3202. KOTTAYAM: Thamarapallil Building, Door No - XIII/658, M L Road, Near KSRTC Bus Stand Road,

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Kottayam – 686001, Phone No.: 9207760018. KRISHNANAGAR: R.N Tagore Road,In front of Kotwali P.
S.,Krishnanagar, Nadia.Pin-741101 KUMBAKONAM: No. 28/8, 1st Floor, Balakrishna Colony, Pachaiappa Street,
Near VPV Lodge, Kumbakonam, Tamil Nadu - 612001. Email ID: camskum@camsonline.com Phone No.: 0435-
2403747 KURNOOL: Shop Nos. 26 and 27, Door No. 39/265A and 39/265B, Second Floor, Skanda Shopping Mall,
Old Chad Talkies, Vaddageri,39th Ward, Kurnool - 518001, Andhra Pradesh. Tel: 08518-650391. KUKATPALLY:
No. 15-31-2M-1/4, 1st Floor, 14-A, MIG, KPHB Colony, Kukatpally, Hyderabad – 500072. LUCKNOW: Office
no,107,1st floor, Vaishali Arcade Building, Plot no 11, 6 Park Road, Lucknow – 226001, Uttar Pradesh. Phone No:
0522 – 4007938 Email Id: camsluc@camsonline.comLUDHIANA: U/ GF, Prince Market, Green Field, Near Traffic
Lights, Sarabha Nagar Pulli, Pakhowal Road, Ludhiana-141 002, Tel: 0161-301 8000, 301 8001. MADURAI: Shop
No 3, 2nd Floor, Suriya Towers, 272/273 - Goodshed Street, Madurai - 625001. Phone No.: 0452- 4983515 Email
ID: camsmdu@camsonline.com MANDI: 328/12, Ram Nagar, 1st Floor, Above Ram Traders, Mandi - 175001.
Email: camsmdi@camsonline.com MANDI GOBINDGARH: Opp State Bank Of India ,Harchand Mill Road,Motia
Khan, Mandi Gobindgarh -147301, Punjab. Email: camsmgg@camsonline.com Phone no: 01765-506175
MAHABUBNAGAR: H.No: 14-3-178/1B/A/1,Near Hanuman Temple, Balaji Nagar, Boothpur Road, Mahabubnagar-
509001, Telengana, Tel : 08542-222529, Email: camsmbnr@camsonline.com Tel : 09440033182 MALAPPURAM:
Kadakkadan Complex,Opp central school,Malappuram-676505, Kerala.Email: camsmalp@camsonline.com Phone
no: 483-2737101 MALDA: Daxhinapan Abasan, Opp Lane of Hotel Kalinga, SM Pally, Malda, Malda-732 101, Tel:
351- 2269071 / 03512 -214335. MANDI GOBINDGARH: Opp State Bank Of India ,Harchand Mill Road,Motia Khan,
Mandi Gobindgarh -147301, Punjab Email: camsmgg@camsonline.com Phone no: 01765-506175 MANGALORE:
14-6-674/15(1), shop no -UG11-2, Maximus complex, light house hill road, Mangalore- 575 001, Karnataka,
Tel: 0824-4627561, Email Id: camsman@camsonline.comMANIPAL: Shop No. A2, Basement Floor, Academy
Tower, Opp. Corporation Bank,Manipal – 576104. Email id: camsmpl@camsonline.com Phone No: 9243689046
MAPUSA (PARENT ISC : GOA): Office No 503, Buildmore Business Park, New Canca By Pass Road, Ximer,
Mapusa – 403 507, Goa.. MARGAO: F4 - Classic Heritage, Near Axis Bank, Opposite BPS Club, Pajifond, Margao,
Goa - 403 601. Tel no.: 0832-6480250, MATHURA: 159/160 Vikas Bazar, Mathura-281001, Tel: 0565-3207007.
MEERUT: 108 Ist Floor Shivam Plaza, Opposite Eves Cinema, Hapur Road, Meerut -250002, Tel: 0121-325 7278.
MEHSANA: 1st Floor, Subhadra Complex, Urban Bank Road, Mehsana, Mehsana-384 002, Tel: 2762-323985,
323117. MIRZAPUR: Ground Floor, Canara Bank Building, Dhundhi Katra, Mirzapur – 231001, Uttar Pradesh.
Phone No: 05442 – 220282 Email Id: camsmpr@camsonline.com MIRAZAPUR: First Floor, Canara Bank Building,
Dhundhi Katra, Mirzapur – 231001, Uttar Pradesh. Email: camsmpr@camsonline.com Phone no: 5442 – 220282
MOGA: Gandhi Road, Opp Union Bank of India, Moga, Moga-142001, Tel: 1636-310088. MOGA: Street No 8-9
Center, Aarya Samaj Road, Near Ice Factory. Moga -142 001, Punjab, Phone no:01636 – 513234, Email:
camsmog@camsonline.com MORADABAD: H 21-22, Ist Floor,Ram Ganga Vihar Shopping Complex, Opposite
Sale Tax Office, Moradabad - 244 001,Tel: 0591- 6450125. MUMBAI: Rajabahdur Compound, Ground Floor, Opp
Allahabad Bank, Behind ICICI Bank, 30, Mumbai SamacharMarg, Fort, Mumbai-400 023, Tel: 022-30282468,
30282469, 30282471, 65257932. MUZZAFARPUR: Brahman toli, Durgasthan, Gola Road, Muzaffarpur-842001,
Tel: 9386350002. MUZAFFARNAGAR: 235, Patel Nagar, Near Ramlila Ground, New Mandi, Muzaffarnagar-
251001 Email: camsmrn@camsonline.com Phone no:131 - 2442233/ 09027985915 MYSORE: No.1, 1st Floor,
CH.26 7th Main, 5th Cross, (Above Trishakthi Medicals), SaraswatiPuram, Mysore-570009, Tel: 0821-3294503.
MANCHERIAL 3 – 407 / 40 – 4, Basement Floor, Royal Enfield Show Room Building, Bellampally Road, Mancherial
– 504302, Telangana. Phone No - 08736-356325 E-mail - camsmci@camsonline.com. NADIAD (PARENT TP:
ANAND TP): F-134, First Floor, Ghantakarna Complex, Gunj Bazar, Nadiad - 387001, Gujrat. NAGERCOIL:
47,Court Road, Nagercoil-629 001, Tel: 4652-229549. NAGPUR: 145 Lendra, New Ramdaspeth, Nagpur-440 010,
Tel: 0712-325 8275, 3258272, 2432447. NAGAON : Amulapathy, V.B.Road, House No.315 ,Nagaon-782003,
Assam.Email: camsnag@camsonline.comPhone no: 03672-250111 NAMAKKAL: 156A / 1, First Floor, Lakshmi
Vilas Building, Opp. To District Registrar Office, Trichy Road, Namakkal, Namakkal-637001, Tel: 4286-322540.
NALBARI: Ground Floor, Allahabad Bank Building, Dhamdhama Road, Nalbari – 781335, Phone No.:
09854093901/09864033980. NALGONDA: 6-4-80,1st Floor, Above Allahabad Bank, Opposite To Police
Auditorium, VT Road, Nalgonda – 508001. E-mail- camsnlg@camsonline.com NASIK: 1st Floor, " Shraddha
Niketan ", Tilak Wadi, Opp. Hotel City Pride, Sharanpur Road, Nashik - 422 002, Phone No.: 0253 – 6450102.
NANDED: Shop No.8,9 Cellar “Raj Mohammed Complex”, Main Road, Sree Nagar, Nanded-431605, Phone No.:
9579444034. NAVSARI: 214-215, 2nd floor, Shivani Park, Opposite Shankheswar Complex, Kaliawadi, Navsari
– 396445, Gujarat, Tel: 02637 – 236164 Email: camsnvs@camsonline.com. NELLORE: Shop No. 2, 1st Floor,
NSR Complex, James Garden, Near Flower Market,Nellore-524001, Tel: 0861-2302398, Email
camsnel@camsonline.com. NEW DELHI : 7-E, 4th Floor, DeenDayaal Research Institute Building, Swami Ram
Tirath Nagar, Near Videocon Tower Jhandewalan Extension, New Delhi -110 055, Tel: 011-30482468, 30588103,

99
30482468. New Delhi: Office Number 112, 1st Floor, Mahatta Tower, B Block Community Centre, Janakpuri, New
Delhi -110058. Email: camsjdel@camsonline.com Nizamabad: 5-6-208, Saraswathi Nagar, Opposite Dr. Bharathi
Rani Nursing Home, Nizamabad – 503001, Telangana. Tel: 08462 – 250018 NOIDA: Commercial Shop No.GF 10
& GF 38, Ground Floor, Ansal Fortune Arcade, Plot No. K-82, Sector -18, Noida – 201301 Uttar Pradesh, Phone
No: 0120-4562490, Email id: camsnoi@camsonline.com ONGOLE: Shop No:1128, First Floor, 3rd Line, Sri
Bapuji Market Complex, Ongole – 523001, Andhra Pradesh. Tel: 08592 – 281514 Email ID :
camsoge@camsonline.com PALAKKAD: 10 / 688, Sreedevi Residency, Mettupalayam Street, Palakkad, Palakkad-
678 001, Tel: 491-3261114. PALANPUR: Gopal Trade Center, Shop No. 13-14, 3rd Floor, Near BK Mercantile
Bank, Opposite Old Gunj, Palanpur - 385001., Tel: 9228000472 Email: camspal@camsonline.com. PANIPAT: 83,
Devi Lal Shopping Complex, Opp ABN Amro Bank, G.T.Road, Panipat-132103, Tel: 0180-325 0525, 400 9802.
PATHANKOT: 13 - A, Ist Floor, Gurjeet Market Dhangu Road, Pathankot – 145001, Punjab. Tel no. 0186 –
3205010. PATIALA: 35, New lalBagh Colony, Patiala-147001, Tel: 0175-329 8926, 222 9633.PATNA: 301B, Third
Floor, Patna One Plaza, Near Dak bunglow Chowk, Patna- 800001, Bihar, Phone No: 0612-2999153, Email
id:camspat@camsonline.comPONDICHERRY: S-8, 100, Jawaharlal Nehru Street, (New Complex, Opp. Indian
Coffee House), Pondicherry-605001, Tel: 0413-421 0030, 329 2468. PORT BLAIR: 1st Floor, 1st floor, Opposite
Mishra Store , Near Junglighat Milk Booth, Khaitan Kalyana Mandapam, Jinglighat Colony, Port Blair – 744103
Andaman and Nicobar Islands.Phone No.: 03192-230306/506. Email Id: camsptb@camsonline.com PUNE: Vartak
Pride , 1st floor, Survay No 46, City Survay No 1477, Hingne Budruk D. P Road, Behind Dinanath Mangeshkar
Hospital, Karvenagar, Pune – 411052. Email id: camspun@camsonline.com PRATAPGARH: Opp Dutta Traders,
Near Durga Mandir, Balipur, Pratapgarh -230001, Uttar Pradesh. Email: camspra@camsonline.comPhone no:
5342-221941 PITAMPURA: Aggarwal Cyber Plaza-Ii, Commercial Unit No 371, 3rd Floor, Plot No C-7, Netaji
Subhash Place, Pitampura, New Delhi-110034. PURULIA- Anand Plaza, Shop No. 06, 2nd Floor, Sarbananda
Sarkar Street, Munsifdanga, Purulia – 723101, West Bengal, E-mail Id- Camsprr@Camsonline.Com RAE BARELI:
17, Anand Nagar Complex, Rae Bareli, Rae Bareli -229001, Tel: 535-3203360. RAIGANJ: Rabindra Pally, Beside
Gitanjali Cinema Hall, P O & P S Raiganj, Dist - North Dijajpur, Raiganj – 733134, West Bengal. RAIPUR: HIG,C-
23, Sector - 1, Devendra Nagar, Raipur-492004, Tel: 0771-3296 404, 3290830.RAIGAD: CAMS Service Centre 1st
Floor, MIG - 25, Blessed Villa, Lochan Nagar, Raigarh - 496001 , Chhattisgarh E-mail Id- camsrig@camsonline.com
RAJAHMUNDRY: Door No: 6-2-12, 1st Floor,RajeswariNilayam, Near Vamsikrishna Hospital, NyapathiVari Street,
T Nagar, Rajahmundry-533 101, Tel: 0883-325 1357. RAJAPALAYAM: No 59 A/1, Railway Feeder Road, Near
Railway Station, Rajapalayam, Rajapalayam-626117, Tel: 4563-327520. RAJKOT: Office 207 - 210, Everest
Building, HariharChowk, OppShastriMaidan, LimdaChowk, Rajkot-360001, Tel: 0281-329 8158. RANCHI: 4, HB
Road, No: 206, 2nd Floor ShriLok Complex, H B Road Near Firayalal, Ranchi-834001, Tel: 0651-329 8058.
RATLAM: Dafria& Co, 18, Ram Bagh, Near Scholar’s School, Ratlam-457001, Tel: 07412-324817. RATNAGIRI:
Kohinoor Complex, Near Natya Theatre, Nachane Road, Ratnagiri, Ratnagiri-415 639, Tel: 2352-322950. ROHTAK:
SCO – 34, Ground Floor, Ashoka Plaza, Delhi Road, Rohtak – 124001, Haryana, Phone No.: 09254303802.
ROORKEE: 22 CIVIL LINES GROUND FLOOR, HOTEL KRISH RESIDENCY, Roorkee, Roorkee-247667, Tel:
1332-312386. ROURKELA: J B S Market Complex, 2nd Floor, Udit Nagar, Rourkela – 769012., Email:
camsrou@camsonline.com. SAGAR: Opp. Somani Automobiles, Bhagwanganj, Sagar, Sagar-470 002, Tel: 7582-
326894. SAHARANPUR: I Floor, Krishna Complex, Opp. Hathi Gate, Court Road, Saharanpur, Saharanpur-
247001, Tel: 132-2712507. SALEM: No.2, I Floor Vivekananda Street, New Fairlands, Salem-636016, Tel: 0427-
325 2271. SAMBALPUR: C/o Raj Tibrewal& Associates, Opp. Town High School, Sansarak, Sambalpur-768001,
Tel: 0663-329 0591. SANGLI :Jiveshwar Krupa Bldg,Shop. No.2, Ground Floor, Tilak Chowk, Harbhat Road, Sangli
– 416416, Tel: - 0233 – 6600510. SATARA: 117 / A / 3 / 22, ShukrawarPeth, Sargam Apartment, Satara-415002,
Tel: 2162-320989. SATNA: 1st Floor, Shri Ram Market, Beside Hotel Pankaj, Birla Road, Satna – 485 001, Madhya
Pradesh, Tel .07672 – 406996 SATNA: 1st Floor,Shri Ram Market,Beside Hotel Pankaj,Satna-485001, Madhya
Pradesh. Email: camssna@camsonline.com Phone no: 07879036133 SHAHJAHANPUR: Bijlipura, Near Old Distt
Hospital, Near Old Distt Hospital, Shahjahanpur-242001, Tel: 5842-327901. SHILLONG: D’Mar Shopping Complex,
Lakari Building, 2nd Floor, Police Bazar, Shillong-793001, Tel. no. : 0364-2502511. SILCHAR: Usha Complex,
Ground Floor, Punjab Bank Building, Hospital Road, Silchar-788005 , Phone No.: 03842-230407. SHIMLA: I Floor,
Opp. PanchayatBhawan Main gate, Bus stand, Shimla, Shimla -171001, Tel: 177-3204944. SHIMOGA: No.65 1st
Floor, Kishnappa Compound, 1st Cross, HosmaneExtn, Shimoga - 577 201, Karnataka, Phone : 9243689049.
SIKAR: C/O Gopal Sharma & Company, Third Floor, Sukhshine Complex, Near Geetanjali Book depot, Tapadia
Bagichi, Sikar – 332001, Rajasthan. Email: camssik@camsonline.com Phone no: 01572-240990 SILCHAR:
House No. 18B, 1st Floor, C/o. Lt. Satyabrata Purkayastha, Opposite Shiv Mandir, Landmark: Sanjay Karate
Building, Near Isckon Mandir, Ambicapatty, Silchar - 788004, Assam. Phone No: 03842-221228 Email Id:
camsslc@camsonline.comSILIGURI: 78, Haren Mukherjee Road, 1st floor, Besides SBI Hakimpara, Siliguri –

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734001, Phone: 9735316555 , Tel: 9735316555. SIRSA: Beside Overbridge, Next to Nissan car showroom, Hissar
Road, Sirsa, Sirsa -125055, Tel: 1666-327248. SITAPUR: Arya Nagar, Near AryaKanya School, Sitapur, Sitapur-
261001, Tel: 5862-324356. SOLAN : 1st Floor, Above Sharma General Store, Near Sanki Rest house, The Mall,
Solan, Solan -173 212, Tel: 1792-321075. SOLAPUR: Flat No 109, 1st Floor, A Wing, Kalyani Tower, 126
SiddheshwarPeth, Near Pangal High School, Solapur-413001, Tel: 0217-3204200. SONEPAT: SCO-11-12,1st
Floor, Pawan Plaza, Atlas Road, Subhash Chowk, Sonepat – 131001, Email id: camssnp@camsonline.com.
SEERAMPORE: 47/5/1, Raja Rammohan Roy Sarani, PO. Mallickpara, Dist. Hoogly, Seerampore-712203, Tel No:
033 - 26628176. SRIGANGANAGAR: 18 L Block, Sri Ganganagar, Sri Ganganagar -335001, Tel: 154-3206580.
SRIKAKULAM: Door No 10-5-65, 1st Floor, Dhanwanthri Complex, Kalinga Road, Opp. Chandramouli,
Departmental Store, Near Seven Roads Junction, Srikakulam-532001,Andhra Pradesh Tel: 08942-
228288, Email Id:- camssrk@camsonline.comSULTANPUR: 967, Civil Lines, Near Pant Stadium, Sultanpur -228
001, Tel: 09389 403149. SURAT: Shop No – G - 5, International Commerce Center, Near Kadiwala School, Majura
Gate, Ring Road, Surat - 395002 Email: camssur@camsonline.com SURENDRANAGAR: Shop No. 12, M. D.
Residency, Swastik Cross Road, Surendranagar - 363001. Phone No: 02752-232599 Email Id:
camssgnr@camsonline.com SURI: Police Line, Ramakrishnapally, Near Suri Bus Stand, Suri, West Bengal –
731101, Tel. no. 09333749633. TAMLUK: Behind Mass ClinicVill Padumbasan, Tamluk – 721636, Phone No.:
09800224303. TAMLUK: Holding No - 58, 1st Floor, Padumbasan, Ward No 10, Tamluk Maniktala More, Beside
HDFC Bank, Tamluk, Purba Medinipur,Tamluk- 721636, West Bengal E-mail Id -
camstmz@camsonline.com THANE: Dev Corpora, A Wing, 3rd floor, Office no.301, Cadbury Junction, Eastern
Express way, Thane (West) - 400 601, Maharashtra Phone No.: 022-62791000 Email id:
camsthn@camsonline.com THIRUPPUR: 1(1), Binny Compound, II Street, Kumaran Road, Thiruppur-641601, Tel:
0421-3201271. THIRUVALLA: 24/590-14, C.V.P Parliament Square Building,Cross Junction, Thiruvalla – 689
101,Kerala, Tel no: 0469 – 6061004. TINSUKIA: Bangiya Vidyalaya Road, Near Old Post Office Durgabari,
Tinsukia, Assam - 786 125 Tel: 7896502265 email id: : camstin@camsonline.com. TIRUNELVELI: No. F4, Magnem
Suraksaa Apartments, Thiruvananthapuram Road, Tirunelveli - 627002.Email : camstrv@camsonline.com.
TIRUPATHI: Door No : 18-1-597, Near Chandana Ramesh Showroom, Bhavani Nagar, Tirumala Byepass Road,
Tirupathi-517 501, Tel: 0877-3206887. TRICHUR: Room No. 26 & 27, DEE PEE PLAZA, Kokkalai, Trichur-680001,
Tel: 0487-325 1564. TRICHY: No 8, I Floor, 8th Cross West Extn, Thillainagar, Trichy-620018, Tel: 0431-329 6909.
TRIVANDRUM: TC NO: 22/902, 1st - Floor "BLOSSOM". Building, opposite. NSS Karayogam, Sasthamangalam
Village post office, Trivandrum, Kerala Phone No: 0471-4617690 E-mail Id-
camstvm@camsonline.comTUMKUR: C695010, Co., Renuka Rashmi Nilaya, 1st Floor, Opposite Sridevi
Diagnostics, 1st Cross, M G Road, Tumkur – 572101.Email: camstkr@camsonline.com TUTICORIN: Ground Floor,
Mani Nagar, Tuticorin, Tuticorin, Tuticorin-628 008, Tel: 461-3209960. TEZPUR: Kanak Tower-1st Floor, Opposite
IDBI Bank/ICICI Bank, C. K. Das Road, Tezpur Sonitpur, Assam – 784001, Phone No.: 3712 – 225252. Tamluk:
Holding No - 58, 1st Floor, Padumbasan, Ward No 10, Tamluk Maniktala More, Beside HDFC Bank, Tamluk, Purba
Medinipur, Tamluk- 721636, West Bengal. E-mail Id- camstmz@camsonline.com Udaipur 32, Ahinsapuri,
Fatehpura circle,Udaipur – 313001 Email: camsudp@camsonline.com.Udhampur: Guru Nanak Institute, NH-1A,
Udhampur - 182101, Jammu, Tel no: 191-2432601, UJJAIN :109, 1st Floor, Siddhi Vinanyaka Trade Centre,
Saheed Park, Ujjain -456 010, Tel: 734-3206291. UNJHA (PARENT: MEHSANA): 10/11, Maruti Complex, Opp. B
R Marbles, Highway Road, Unjha, Unjha -384 170, Tel: -. VADODARA: 103 Aries Complex, BPC Road, Off R.C.
Dutt Road, Alkapuri, Vadodara -390 007, Tel: 0265-301 8032, 301 8031. VALSAD: 3rd floor, Gita Nivas, opp Head
Post Office, Halar Cross Lane, Valsad-396001, Tel: 02632-324623. VAPI:208, 2nd Floor, Heena Arcade, Opp.
Tirupati Tower, Near G.I.D.C, Char Rasta, Vapi, Vapi-396195, Tel: 0260 - 6540104. VARANASI: Varanasi- Office
no. 1, Second floor, Bhawani Market, Building No. D-58/2-A1, Rathyatra, Beside Kuber Complex, Varanasi-221010,
Uttar Pradesh, VASCO(PARENT GOA): No DU 8, Upper Ground Floor, Behind Techoclean Clinic, Suvidha
Complex, Near ICICI Bank, Vasco da gama -403802, VASHI: BSEL Tech Park, B-505, Plot no 39/5 & 39/5A, Sector
30A, Opp. Vashi Railway Station, Vashi, Navi Mumbai – 400705, Email id: camsvsh@camsonline.com. VELLORE:
No.1, Officer’s Line, 2nd Floor, MNR Arcade, Opp. ICICI Bank, Krishna Nagar, Vellore-632 001, Tel: 0416-3209017.
VELLORE: Door No. 86, BA Complex, 1st Floor, Shop No. 3, Anna Salai (Officer Line), Vellore – 632 001, Phone
No.:0416 2900062,Email: camsvel@camsonline.com VIJAYNAGARAM: Portion 3, First Floor No:3-16, Behind NRI
Hospital,NCS Road, Srinivasa Nagar, Vijaynagaram-535003. Email: camsvzm@camsonline.com VIJAYAWADA:
40-1-68, Rao &Ratnam Complex, Near Chennupati Petrol Pump, M.G Road, Labbipet, Vijayawada-520 010, Tel:
0866-329 9181, 329 5202. VISAKHAPATNAM: CAMS Service Centre, Door No 48-3-2,Flat No 2, 1st Floor, Sidhi
Plaza, Near Visakha Library, Srinagar, Visakhapatnam - 530 016 , Phone No.: 0891 6502010.VIZAG: Flat No.GF2,
Door No.47-3-2/2, Vigneswara Plaza, 5th Lane, Dwarakanagar, Visakhapatnam - 530 016, Andhra
Pradesh.Phone No: 0891 – 2791940 Email id: camsviz@camsonline.com WARANGAL: A.B.K Mall, Near Old

101
Bus Depot Road, F-7, Ist Floor, Ramnagar, Hanamkonda, Warangal – 506001, Tel. no. 0870 - 6560141. WARDHA:
Opp. Raman Cycle Industries, Krishna Nagar, Wardha – 442001, Maharashtra. Email: camswar@camsonline.com
Phone no: 7152-242724 WAYANAD: 2nd Floor, AFFAS Building, Kalpetta, Wayanad – 673121. Phone no: 04936-
204248 Email: camswyd@camsonline.com YAMUNA NAGAR: 124-B/R Model Town, Yamunanagar, Yamuna
Nagar-135 001, Tel: 1732-316770. YAVATMAL: Pushpam, Tilakwadi, Opp. Dr. Shrotri Hospital, Yavatma,
Yavatmal-445 001, Tel: 7232-322780.

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