key information memorandum& common application...

Mutual Fund Investments Are Subject To Market Risks, Read All Scheme Related Documents Carefully.

KEY INFORMATION MEMORANDUM& COMMON APPLICATION FORM

Continuous Offer of Units at Applicable NAV

(Previously known as Dhanraksha-89)

*Investors should consult their financial advisers if in doubt about whether the product is suitable for them.

Sponsors: Trustee: Investment Manager: Life Insurance Corporation of LIC Nomura Mutual Fund Trustees LIC Nomura Mutual Fund Asset

India (LIC) Company Private Limited Management Company Limited

Registered Office: Registered Office: Registered Office: Yogakshema Building, 4th Floor, Industrial Assurance Building, 4th Floor, Industrial Assurance Building,

Jeevan Beema Marg, Opp. Churchgate Station, Opp. Churchgate Station,

Nariman Point, Mumbai 400 021. Mumbai 400 020. Mumbai 400 020.

CIN:U65992MH2003PTC139955 CIN:U67190MH1994PLC077858

This Key Information Memorandum (KIM) sets forth the information, which a prospective investor ought to know before investing.

For further details of the scheme / Mutual Fund, due diligence certificate by the AMC, Key Personnel, investors' rights & services, risk

factors, penalties & pending litigations, etc. investors should, before investment, refer to the Scheme Information Document(s) (SID)

and Statement of Additional Information (SAI) available free of cost at any of the Investor Service Centers or distributors or from the

website www.licnomuramf.com

The Scheme particulars have been prepared in accordance with Securities and Exchange Board of India (Mutual Funds) Regulations,

1996, as amended till date, and filed with Securities and Exchange Board of India (SEBI). The units being offered for public

subscription have not been approved or disapproved by SEBI, nor has SEBI certified the accuracy or adequacy of this KIM.

The date of this Key Information Memorandum is June 26, 2015.

This product is suitable for investors who are seeking*:

Long term capital appreciation and current income

Investment in equity and equity related securities,

fixed income securities (debt and Money Market

securities)

Moderately High.

Toll Free No: 1800-258-5678 E-mail: [email protected] Website: www.licnomuramf.com

http://www.licnomuramf.com/

mailto:[email protected]


LIC Nomura MF UNIT LINKED INSURANCE SCHEME

(An Open Ended Insurance Linked Tax Saving Scheme)

Investment

Objective

The scheme seeks to generate long term capital appreciation and offer tax benefits u/s 80C of the Income

Tax Act, 1961 as well as additional benefits of life cover and free accident

insurance cover.

Asset Allocation

Pattern for the

Scheme:

Instruments Normal Allocation (% of net assets) Risk Profile

Equity & Equity Related Instruments 65 – 80% Medium to High

Debt / Money market securities 20 -35% Low to Medium

*Debt securities includes securitised debt and government securities

The above Asset Allocation Pattern is only indicative and not absolute. Fund manager of the scheme may

change the same from time to time, keeping in view market conditions, market opportunities, applicable

regulations and political and economic factors. However, these proportions will be in line with the

investment objective and could be altered only for short term and on defensive consideration in order to

protect the interest of the unitholders.

Investment in Derivatives Instrument will be in accordance with SEBI (MF) Regulations.

Investment

Strategy

The above Pattern will be indicative and Fund Manager may change the same from time to time, keeping

in view market conditions, market opportunities, applicable regulations and political and economic

factors. It must be clearly understood that the percentages stated above are only indicative and not

absolute. These proportions can vary substantially depending upon the perception of the Investment

Manager; the intention being at all times to seek to protect the interest of unit holders. Such changes in

the investment pattern will be for defensive consideration only. Investment in derivative instruments

shall be made to protect the interest of the investors and the total exposure in the derivative will be in

accordance with SEBI (MF) Regulations

The investment approach for investing in equities would be to identify companies with a strong

competitive position in a good business and having quality management. The focus would be on

fundamentally driven investment with scope for future growth. While investment in debt instrument

focuses on securities that give consistent returns at low levels of risks.

Please read the Scheme Information Document (SID) for complete details.

Prudential limits

on portfolio

concentration

risk in debt-

oriented schemes

Pursuant to SEBI Circular CIR/IMD/DF/21/2012 dated September 13, 2012 read with SEBI circular

CIR/IMD/DF/24/2012 dated November 19, 2012, no scheme shall take exposure in fixed income

securities in excess of 30% of net assets in any sector as per sectoral classification as prescribed by AMFI.

Provided that an additional exposure to financial services sector (over and above the limit of 30%) not

exceeding 10% of the net assets of the scheme shall be allowed by way of increase in exposure to Housing

Finance Companies (HFCs) only. Provided further that the additional exposure to such securities issued

by HFCs are rated AA and above and these HFCs are registered with National Housing Bank (NHB) and the

total investment / exposure in HFCs shall not exceed 30% of the net assets of the scheme. Further

provided that the above sectoral limit is not applicable for:

i. AAA rated instruments of PSU Banks and AAA rated instruments of Public Financial Institutions

(PFIs).

ii. CBLOs

iii. Bank Certificate of Deposits.

iv. Government of India securities

v. Treasury Bills.

Mutual Fund/AMC will comply with the aforesaid requirement and put in place such systems to ensure

that sectoral exposure limit specified above does not increase from the levels existing as on September 13,

2012.

Risk Profile of the

Scheme

STANDARD RISK FACTORS:

1. Investment in Mutual Fund Units involves investment risks such as trading volumes, settlement risk,

liquidity risk, default risk including the possible loss of principal.

2. As the price / value / interest rates of the securities in which the scheme invests fluctuate, the value of

your investment in the scheme may go up or down.

3. Past performance of the Sponsor/AMC/Mutual Fund does not guarantee future performance of the

scheme.

4. LIC NOMURA MF UNIT LINKED INSURANCE SCHEME is the name of the scheme does not in any manner


indicate either the quality of the scheme or its future prospects and returns.

5. The sponsor is not responsible or liable for any loss resulting from the operation of the scheme beyond

the initial contribution of Rs 2 Crore made by it towards setting up the Fund.

6.The LIC NOMURA MF UNIT LINKED INSURANCE SCHEME is not a guaranteed or assured return scheme.

Mutual Fund Units involve investment risks including the possible loss of principal. Please read the SID

carefully for details on risk factors before investment.

The value in the investments is bound to change with changes in the factors affecting the market viz.

changes in interest rates, exchange rates, price and volume fluctuations in debt markets, taxation, govt.

policies, and other economic and political developments.

No. of Folios &

AUM (As on

31/03/15)

LIC Nomura MF UNIT LINKED INSURANCE SCHEME

Folios: 21449

AUM in Crs: 185.99

Plan and Option Plan

1. Regular Plan

2. Direct Plan

Option under both the plans

Single Contribution – 5 Year Term

Single Contribution – 10 year Term

Regular Contribution (Uniform Cover) – 10 Year Term

Regular Contribution (Uniform Cover) – 15 Year Term

Regular Contribution (Reducing Cover) – 10 Year Term

Regular Contribution (Reducing Cover) – 15 Year Term

Sub Options

Dividend Reinvestment

Treatment of

applications

under "Direct" /

"Regular" Plans

Scenario Broker Code

mentioned by

the investor

Plan mentioned

by the investor

Default Plan to

be captured

1 Not mentioned Not mentioned Direct Plan

2 Not mentioned Direct Direct Plan

3 Not mentioned Regular Direct Plan

4 Mentioned Direct Direct Plan

5 Direct Not Mentioned Direct Plan

6 Direct Regular Direct Plan

7 Mentioned Regular Regular Plan

8 Mentioned Not Mentioned Regular Plan

In cases of wrong/ invalid/ incomplete ARN codes mentioned on the application form, the application

shall be processed under Regular Plan. The AMC will contact and obtain the correct ARN code within 30

calendar days of the receipt of the application form from the investor/ distributor. In case, the correct

code is not received within 30 calendar days, the AMC will reprocess the transaction under Direct Plan

from the date of application without any exit load.

Applicable NAV In accordance with provisions of SEBI Circular No. CIR/IMD/DF/ 21/2012 dated September 13, 2012,

SEBI circular No. Cir/ IMD/ DF/ 19/ 2010 dated November 26, 2010, SEBI Circular No. IMD/ CIR No. 11 /

142521 / 08 dated October 24, 2008 and SEBI Circular SEBI/ IMD/ CIR No.11/ 78450/ 06 dated October

11, 2006 and further amendments if any, thereto, the following cut-off timings shall be observed by

Mutual Fund in respect of purchase/ redemption/ switches of units of the scheme, and the following NAV

shall be applied:

FOR SUBSCRIPTIONS / PURCHASE INCLUDING SWITCH-IN OF UNITS#:

I. Applicable NAV for Subscriptions / Purchase including switch-in of units for LIC Nomura MF Unit

Linked Insurance Scheme for an amount less than Rs. 2 lakhs:


• )n respect of valid applications received upto . p.m. by the Mutual Fund alongwith a local cheque or a demand draft payable at par at the place where the application is received, the closing NAV of the day on

which application is received shall be applicable. • )n respect of valid applications received after . p.m. by the Mutual Fund alongwith a local cheque or a

demand draft payable at par at the place where the application is received, the closing NAV of the next

business day shall be applicable.

II. Applicable NAV for Subscriptions / Purchase including switch-in of units for LIC Nomura MF

Children’s Fund for an amount of Rs. 2 lacs and above:

In respect of valid applications for purchase of units with amount equal to or more than Rs. 2 lacs, the

closing NAV of the day (or immediately following Business Day if that day is not a Business day) on which

the funds are available for utilization, shall be applicable.

In respect of subscriptions/purchase/Switch-in application with amount equal to or more than Rs. 2 lacs,

for allotment of units at applicable NAV as above, it shall be ensured that:

i. Application is received before the applicable cut-off time (i.e. 3.00 p.m.)

ii. Funds for the entire amount of subscription / purchase /switch-in as per the application are credited to

the bank account of the respective scheme before the applicable cut-off time (i.e. 3.00 p.m.).

iii. The funds are available for utilization before the applicable cut-off time (i.e. 3.00 p.m.) without availing

any credit facility whether intra-day or otherwise, by the scheme.

FOR REDEMPTIONS INCLUDING SWITCH-OUT OF UNITS:

I. Applicable NAV for Redemptions including switch-out of Units for LIC Nomura MF Children’s Fund: • )n respect of valid applications received upto . p.m. by the Mutual Fund, same day s closing NAV shall be applicable. • )n respect of valid applications received after .00 p.m. by the Mutual Fund, the closing NAV of the next

business day shall be applicable.

While the Applicable NAV shall be as per cut-off time specified above, the NAV shall be declared in

accordance with the provisions as mentioned in the respective Scheme Information Document.

# Investors are requested to note that the following practice of aggregating multiple / split applications /

transactions shall be followed and accordingly the closing Net Asset Value (NAV) of the day on which the

funds are available for utilization is being implemented where the aggregated amount of investments is

Rs. 2 lacs and above.

Minimum

Application

Amount for

purchase /

redemption/

switches

Under Regular Contribution option

Minimum : 1)Rs.10,000/- under 10 year term 2) Rs. 15000/- under the 15 year term.

Maximum : Rs 1500000/- under both the terms

Under Single Premium option

Minimum : Rs 10000/- under 5 year and 10 year term

Maximum : No Limit .

Dispatch of

Repurchase

(Redemption)

Request

Within 10 working days of the receipt of the redemption request at the Official Points of Acceptance of LIC

Nomura Mutual Fund

Benchmark Index CRISIL Balanced Fund Index

Dividend Policy The Scheme offers investment under the DIVIDEND REINVESTMENT PLAN: Under this plan the dividends

declared would be reinvested in the scheme at the prevailing NAV, subject to the prevailing load structure.

Thus additional units of the scheme based on the amount of dividend payable will be credited to the unit

holder's account separately as dividend units. The plan thus offers regular saving of income.

These dividend units shall be exempt from income tax at the hands of the unit holders as per the existing

provisions of the Income-tax Act, 1961

Fund Manager Shri Sachin Relekar

Name of the

Trustee Company

LIC Nomura Mutual Fund Trustee Company Private Limited


Performance of

the Scheme (As

on 31/03/15)

Regular Plan- Growth Option

Compounded Annualized Returns Scheme Returns (%)^

Bench Mark Returns

%)

Returns for the last 1 year 30.51% 22.45%

Returns for the last 3 years 16.11% 14.54%

Returns for the last 5 years 9.23% 9.74%

Returns since inception 6.25% NA

^Past performance may or may not be sustained in the future.

Absolute Returns for each financial year for the last 5 years

Direct Plan- Growth Option

Compounded Annualized Returns Scheme Returns (%)^

Bench Mark

Returns (%)

Returns for the last 1 year 31.09% 22.45%

Returns for the last 3 years NA NA

Returns for the last 5 years NA NA

Returns since inception 20.41% 16.97%

^Past performance may or may not be sustained in the future.

Absolute Returns for each financial year for last 2 years

Expenses of the Scheme:

(i)Load Structure

ii)Recurring

Expenses

Entry Load: Nil

Pursuant to SEBI circular No. SEBI/IMD/CIR No. 4/ 168230/09 dated June 30, 2009 there shall be no

entry load for all mutual fund schemes. The same is applicable Investments in mutual fund schemes

(including additional purchases and switch-in to a scheme from other schemes) with effect from August 1,

2009, Redemptions from mutual fund schemes (including switch-out from other schemes) with effect

from August 1, 2009, New mutual fund schemes launched on and after August 1, 2009 and Systematic

Investment Plans (SIP) registered on or after August 1, 2009.

Exit Load: Nil (3 years lock-in period)

Actual Expenses for the previous financial year: Regular = 2.53% & Direct = 2.08%.

As per Regulation 52(6) of SEBI (MF) Regulations, the total expenses of the Scheme, including

Investment Management and Advisory Fees, shall be subject to following limits as specified below:

i. On the First `100 crores of the daily net assets: 2.25%;


ii. On the Next `300 crores of the daily net assets: 2.00%;

iii. On the Next `300 crores of the daily net assets: 1.75%;

iv. On the balance of the assets: 1.50%.

Additional Expenses in terms of newly inserted Regulation 52(6A) in addition to Maximum Total

Expense Ratio on daily net assets of the Scheme as permissible under Regulation 52(6) of SEBI

(MF) Regulations:

(a) Additional expenses not exceeding of 0.30% of daily net assets may be charged to the Scheme, if the

new inflows from beyond top 15 cities* are at least (i) 30% of gross new inflows in the scheme or (ii) 15%

of the average assets under management (year to date) of the scheme, whichever is higher.

In case inflows from beyond such cities is less than the higher of (i) or (ii) mentioned above, such

additional expense on daily net assets of the scheme shall be charged on proportionate basis in

accordance with SEBI Circular no. CIR/IMD/DF/21/2012 dated September 13, 2012 The expense so

charged shall be utilised for distribution expenses incurred for bringing inflows from such cities.

However, the 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.

*Top 15 cities shall mean top 15 cities based on Association of Mutual Funds in )ndia AMF) data on AUM by Geography - Consolidated Data for Mutual Fund )ndustry as at the end of the previous financial year. (b)

Brokerage and transaction costs incurred for the execution of trades and included in the cost of

investment, not exceeding 0.12 per cent of the value of trades in case of cash market transactions. Thus, in

terms of SEBI circular CIR/IMD/DF/24/2012 dated November 19, 2012, it is hereby clarified that the

brokerage and transaction costs incurred for the execution of trades may be capitalized to the extent of

0.12 per cent of the value of trades in case of cash market transactions.

Any payment towards brokerage and transaction costs (including service tax, if any) incurred for the

execution of trades, over and above the said 0.12 per cent for cash market transactions may be charged to

the scheme within the maximum limit of Total Expense Ratio (TER) as prescribed under Regulation 52 of

the SEBI (MF) Regulations.

(c) Additional expenses incurred towards different heads mentioned under Regulations 52(2) and 52(4)

of SEBI (MF) Regulations, not exceeding 0.20 per cent of daily net assets of the scheme. Further in terms

of SEBI Circular No. CIR/IMD/DF/21/2012 dated September 13, 2012,

- the AMC / Mutual Fund shall annually set apart at least 2 basis points (i.e. 0.02%) on daily net assets of

the scheme within the maximum limit of Total Expense Ratio as per Regulation 52 of the SEBI (MF)

Regulations for investor education and awareness initiatives.

- AMC may charge service tax on following Fees and expenses as below:

a. Investment Management and Advisory Fees: AMC may charge service tax on investment

management and advisory fees to the scheme in addition to the maximum limit of Total Expense Ratio as

prescribed under Regulation 52 of the SEBI (MF) Regulations. Currently, service tax is levied @12.36% for

AMC fees as per taxation laws in force.

b. Other than Investment Management and Advisory Fees: AMC may charge service tax on expenses

other than investment management and advisory fees to the scheme within the maximum limit of Total

Expense Ratio as prescribed under Regulation 52 of the SEBI (MF) Regulations. Further, service tax on

Brokerage and transaction cost incurred for execution of trades, will be within the maximum limit of Total

Expense Ratio as prescribed under Regulation 52 of the SEBI (MF) Regulations.

(d) Fungibility of Maximum Permissible expense: The said maximum TER shall either be apportioned

under various expense heads, without any sub limit or allocated to any of the permissible expense head(s)

at the discretion of AMC. Also, the types of expenses charged shall be as permissible under SEBI (MF)

Regulations. The total recurring expenses of the scheme excluding issue or redemption expenses, whether

initially borne by the Mutual Fund or by the AMC, but including the investment management and advisory

fee, shall not exceed the limits as prescribed under Regulation 52 of the SEBI (MF) Regulations. Subject to

the SEBI (MF) Regulations, expenses over and above the prescribed ceiling will be borne by the AMC. )nvestors are requested to refer to Section IV-FEES AND EXPENSES - B. Annual Scheme Recurring Expense in the Scheme )nformation Document S)D . Waiver of Load

for Direct

Applications

Pursuant to SEBI Circular no SEBI/IMD/CIR No 4/16831/09 dated June 30 2009 no entry load shall be

charged for all mutual funds schemes. Therefore procedure for waiver of load for direct application is no

longer applicable.

Tax treatment for

Unitholders

Investors are advised to refer to the Statement of Additional Information (SAI) available on the website of

AMC viz. www.licnomuramf.com and also independently, refer to the tax advisor.


Daily NAV

Publication

The NAV will be declared on all business days and will be published atleast in 2 daily newspapers in

accordance with SEBI (MF) Regulations. NAV can also be viewed on www.licnomuramf.com and

www.amfiindia.com Investors can also call up at our toll free number 1-800-258-5678.

For Investor

Grievances

please contact

M/s. Karvy Computershare Pvt. Ltd.

Unit: LIC Nomura Mutual Fund

Karvy Plaza, House No. 8-2-596,Avenue 4,

Street No. 1, Banjara Hills,

Hyderabad - 500 034

Tel. 040 - 4467 7131- 40; Fax : 040 - 2338 8705

Email : [email protected]

Web. : www.karvycomputershare.com/

www.karvymfs.com

LIC NOMURA Mutual Fund

4th Floor, Industrial Assurance Building

Opp. Churchgate Station, Churchgate,

Mumbai - 400 020

Tel.: 022-2285 1661; Fax: 022-2288 0633

Toll Free No.: 1800 258 5678

E-mail: [email protected]

Website: www.licnomuramf.com

Unitholders'

Information

Account Statements / Confirmation: • On acceptance of the application for subscription, an allotment confirmation specifying the number of units allotted to the investor shall be send by way of email to the investors registered email address not later than 5 (five) business days from the date of receipt of request. • Thereafter, a Consolidated Account Statement CAS shall also be sent to the Unitholder in whose folio transactions viz. subscriptions, redemptions, switches, dividend payout etc. have taken place during that

month, on or before 10th of the succeeding month by e-mail/mail. CAS shall contain details relating to all

the transactions** carried out by the investor, including details of transaction charges paid to the

distributor, if any, across all schemes of all mutual funds, during the month and holding at the end of the

month.

**The word 'transaction' shall include purchase, redemption, switch, dividend payout, dividend reinvestment,

Systematic Investment Plan, Systematic Withdrawal Plan and Systematic Transfer Plan transactions. • )n case of specific request received from investors, account statement shall be issued to the investors within 5 (five) business days from the receipt of such request without any charges. The unitholder may

request for a physical account statement by writing/calling the AMC/ISC/R&T. • )n the event the account has more than one registered holder, the first named Unitholder shall receive the CAS/account statement. • The transactions viz. purchase, redemption, switch, dividend payout, etc., carried out by the Unitholders

shall be reflected in the CAS on the basis of Permanent Account Number (PAN). • The CAS shall not be received by the Unitholders for the folio s not updated with PAN details. The Unitholders are therefore requested to ensure that the folio(s) are updated with their PAN. • No Account Statements will be issued to investors opted to hold units in electronic (demat) mode,

since the statement of account furnished periodically by respective Depository Participants (DPs)

will contain the details of transactions.

Half Yearly Consolidated Account Statement:

- A CAS detailing holding across all schemes of all mutual funds at the end of every six months (i.e.

September / March), shall be sent by mail/e-mail on or before 10th day of succeeding month, to all such

Unitholders in whose folios no transaction has taken place during that period. Such Consolidated Account

Statement shall reflect the latest closing balance and value of the Units prior to the date of generation of

the consolidated account statement.

- The half yearly consolidated account statement will be sent by e-mail to the Unitholders whose e-mail

address is available, unless a specific request is made to receive in physical.

For those unitholders who have provided an e-mail address, the AMC will send the communication by

email. Unitholders who receive e-mail statements may download the documents after receiving e-mail

from the Mutual Fund. If any Unitholder experience any difficulty in accessing the electronically delivered

documents, the Unitholder shall promptly advise the Mutual Fund to enable the Mutual Fund to make the

delivery through alternate means. It is deemed that the Unitholder is aware of all security risks including

possible third party interception of the documents and contents of the documents becoming known to

third parties.

Annual Report:

The scheme wise annual report or an abridged summary thereof shall be sent to all Unitholders not later

than four months from the date of closure of the relevant accounting year and full annual report shall be

available for inspection at the Head Office of the Mutual Fund and a copy shall be made available to the

Unitholders on request on payment of nominal fees, if any.

The scheme wise annual report or an abridged summary thereof (the reports) shall be sent:

http://www.karvycomputershare.com/


(i) By e-mail only to the Unitholders whose e-mail address is available with LIC Nomura Mutual Fund; (ii)

In physical form to the Unitholders whose email address is not available with LIC Nomura Mutual Fund

and/or to those Unitholders who have opted / requested for the same.

Accordingly, unitholders are requested to ensure that their folio(s) are updated with e-mail address, in

case they wish to receive the reports electronically i.e. via e-mail. Also, in case the unitholders wish to

receive physical copies of reports they may indicate as such, notwithstanding registration of e-mail

address with LIC Nomura Mutual Fund.

The physical copy of the scheme wise annual report or abridged summary thereof shall be made available

to the investors at the registered office of the LIC Nomura Mutual Fund. A link of the scheme annual report

or abridged summary thereof shall be displayed prominently on the website of the Mutual Fund

(www.licnomuramf.com) and shall also be displayed on the website of AMFI (www.amfiindia.com).

Half yearly Disclosures (Unaudited Financial Results / Portfolio):Mutual Fund / AMC shall within one

month from the close of each half year, (i.e. 31st March and on 30th September), host a soft copy of its

unaudited financial results on its website (www.licnomuramf.com). Further, the Mutual Fund / AMC shall

publish an advertisement disclosing the hosting of such unaudited half yearly financial results on their

website, in atleast one national English daily newspaper and a regional newspaper published in the

language of the region where the Head Office of the Mutual Fund is situated.

The Mutual Fund / AMC shall before the expiry of one month from the close of each half year (i.e. 31st

March and 30th September), publish its complete statement of the scheme portfolio in prescribed format

as at end of such half year in one national English daily newspaper and in a regional newspaper published

in the language of the region where the Head Office of the Mutual Fund is situated.

Further, the monthly portfolio of the scheme (alongwith ISIN) shall also be made available on the website

of Mutual Fund (www.licnomuramf.com) on or before tenth day of the succeeding month.

Option to Hold Units in demat mode: Investors shall have an option to subscribe to/ hold the units in

electronic (demat) form in accordance with the guidelines/ procedural requirements as laid by the

Depositories (NSDL/CDSL) from time to time. In case of SIP, units will be allotted based on the applicable

NAV as per provisions of Scheme Information Document and will be credited to demat account of the

investors on weekly basis (upon realisation of funds). However, Special Products/Facilities such as

Systematic Withdrawal Plan, Systematic Transfer Plan and Switching facility offered by Mutual Fund shall

be available for unitholders under the scheme in case the units are held/opted to be held in physical (non-

demat) mode.

Investors intending to hold units in electronic (demat) form will be required to have beneficiary account

with a 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 held

with the DP at the time of subscribing to the units. Applicants must ensure that the sequence of the names

as mentioned in the application form matches with that of the beneficiary account held with the DP.

Names, PAN details, KYC details etc. mentioned in the Application Form will be verified against the

Depository records.

If the details mentioned in the application form are found to be incomplete / incorrect or not

matching with the depository records, the application shall be treated as application for physical

(non-demat) mode and accordingly units will be allotted in physical (non-demat) mode, subject to

it being complete in all other aspects.

Unitholders who have opted to hold and thereby allotted units in electronic (demat) form will receive

payment of redemption / dividend proceeds into bank account linked to their Demat account. In case, the

Unitholder desires to hold the Units in a Dematerialized / Rematerialized form at a later date, the request

for conversion of units held in physical (non-demat) mode into electronic (demat) form or vice-versa

should be submitted alongwith a Demat / Remat Request Form to their Depository Participant(s).

Investors should ensure that the combination of names in the account statement is the same as that in the

demat account. The allotment of units in demat form shall be subject in terms of the guidelines /

procedural requirements as laid by the Depositories (NSDL/CDSL) from time to time. Further, the units

held in electronic (demat) form will be transferable in accordance with provisions of Depositories Act,

1996 and the Securities and Exchange Board of India (Depositories and Participants) Regulations, 1996 as

may be amended from time to time.

Transaction

Charges

SEBI has, with the intent to enable investment by people with small saving potential and to increase reach

of Mutual Fund products in urban areas and in smaller towns, wherein the role of the distributor is


considered vital, allowed AMCs vide its circular No. Cir/ IMD/ DF/13/ 2011 dated August 22, 2011 to

deduct transaction charges for subscription of Rs. 10,000/- and above.

In accordance with the said circular, LIC Nomura Mutual Fund will deduct the transaction charges from

the subscription amount and pay to the distributors as shown below (who have opted-in to receive the

transaction charges on basis of type of product). Thereafter, the balance of the subscription amount shall

be invested.

1. Transaction charges shall be deducted for Applications for purchase/ subscription relating to new

inflows and routed through distributor/ agent:

Investor Type Transaction charges^ First Time Mutual Fund Investor (across Mutual Funds) Rs. 150

for subscription application of Rs. 10,000 and above. Investor other than First Time Mutual Fund Investor

Rs. 100 for subscription application of Rs. 10,000 and above.

2. ^The transaction charge, if any, shall be deducted by the LIC Nomura Mutual Fund from the

subscription amount and paid to the distributor; and the balance shall be invested and accordingly units

allotted. The statement of account shall clearly state the net investment as gross subscription less

transaction charge and depict the number of units allotted against the net investment amount. However,

Transaction charges in case of investments through Systematic Investment Plan (SIP) from first time

mutual fund investor and investor other than first time mutual fund investor shall be deducted only if the

total commitment (i.e. amount per SIP installment x No. of installments) amounts to Rs. 10,000/- or more.

The transaction charges shall be deducted in 3-4 installments.

3. Transaction charges shall not be deducted/applicable for: (a) purchases / subscriptions for an

amount less than Rs. 10,000/-; (b) transaction other than purchases / subscriptions relating to new

inflows such as Switches / STPs etc. (c) Purchases / subscriptions made directly with the Mutual

Fund (i.e. not routed through any distributor / agent). (d) Transactions carried out through the Stock

Exchange Platforms for Mutual Funds.

ARN Code Sub-broker Code Employee Unique )dentification Number EU)N Sub-broker Code as allotted by ARN holder RM Code Time Stamp NoFor office use only

SIGN HEREFirst/ Sole Applicant/ Guardian SIGN HERESecond Applicant SIGN HEREThird Applicant

DOB

Second Applicant ‘s Name FIRST MIDDLE LAST KYC :

Third Applicant ‘s Name FIRST MIDDLE LAST KYC :

First Applicant PAN : Second Applicant PAN : Third Applicant PAN :

NAME OF GUARDIAN in case of First / Sole Applicant is a Minor / NAME OF CONTACT PERSON – DES)GNAT)ON in case of non-individual )nvestors FIRST MIDDLE LASTPAN: KYC Relationship with minor Please √ Father Mother Court Appointed Legal Guardian3. TAX STATUS Please tick √ Resident )ndividual F))s NR)-NRO HUF Club/Society P)O Body Corporate Minor Government Body Trust NRI-NRE Bank & F) Sole Proprietor Partnership Firm QFI FP) Others Company LLP 4. KYC Details (Mandatory) Occupation Please tick (√)

FIRST APPLICANT Private Sector Student

Public Sector Forex Dealer Government Service Business Professional Agriculturist Others ............................................................................................ please specify Retired (ousewifeSECOND APPLICANT Private Sector

Student Public Sector Forex Dealer Government Service Business Professional Agriculturist Others ............................................................................................ please specify Retired (ousewife

THIRD APPLICANT Private Sector Student

Public Sector Forex Dealer Government Service Business Professional Agriculturist Others ............................................................................................ please specify Retired (ousewifeGROSS ANNUAL )NCOME [Please tick (√)]

FIRST APPLICANT Below Lac - Lacs - Lacs - Lacs > Lacs - Crore > CroreNet worth Mandatory for Non-)ndividual Rs. as onSECOND APPLICANT Below lac - Lacs - Lacs - Lacs > Lacs - Crore > Crore OR Net Worth THIRD APPLICANT Below lac - Lacs - Lacs - Lacs > Lacs - Crore > Crore OR Net Worth For Individual For Non-Individual Investors (Companies, Trust, Partnership etc.) ) am Politically Exposed Person Also applicable for authorized signatories/ Promoters/)arta/Trustee/Whole time Directors please mention ) am Related to Politically Exposed Not Applicable

)s the company a Listed Company or Subsidiary of Listed Company or Controlled by aListed Company )f No. please attach mandatory Ultimate Beneficial Ownership UBO DeclarationForeign Exchange / Money Changer ServicesGaming / Gambling / Lottery / Casino ServicesMoney Lending / PawningNone of the above Yes No Yes No Yes No Yes No Yes No

D D M M Y Y Y Y DOB is mandatory in case of unit holder is minor. Proof attached. Please √

TRANSACT)ON C(ARGES FOR APPL)CANTS T(ROUG( ARN (OLDER ONLY [Refer )nstruction ] ) confirm that ) am a First time investor across Mutual Funds. ) confirm that ) am an existing investor in Mutual Funds.Rs. deductible as Transaction Charge and payable to the Distributor Rs. deductible as Transaction Charge and payable to the Distributor)n case the purchase/ subscription amount is Rs. , or more and your Distributor has opted in to receive Transaction Charges, the same are deductible as applicable from the purchase/ subscription amount and payable to the Distributor. Units will be issued against the balance amount invested. Upfront commission shall be paid directly by the investor to the ARN (older AMF) registered Distributor based on the investors assessment of various factors including the service rendered by the ARN (older.1. EXISTING UNIT HOLDER INFORMATION )f you have existing folio, with PAN & )YC validation please fill in section and proceed to section .Folio No. The details in our records under the folio number mentioned alongside will apply for this application2. APPLICANT(S) DETAILS )n case of Minor, there shall be no joint holders Mandatory information – )f left blank the application is liable to be rejected.Sole/First Applicant ‘s Name FIRST MIDDLE LAST KYC :

Declaration for execution-only transaction only where EU)N box is left blank Refer )nstruction No.) / We hereby confirm that the EU)N box has been intentionally left blank by me / us as this is an execution-only transaction without any interaction or advice by the employee/ relationship manager/ sales person of the above distributor or notwithstanding the advice of in-appropriateness, if any, provided by the employee / relationship manager / sales person of the distributor and the distributor has not charged any advisory fees on this transaction. please tick √ and sign

Application No.

)EY PARTNER / ARN (OLDER )NFORMAT)ON )nvestors applying under Direct Plan must mention Direct in ARN Code column. Refer )nstruction &

ACKNOWLEDGEMENT SLIP

Received an application for purchase of units of L)C Nomura MF Scheme Name with optionfrom Mr/Mrs/M/s. alongwithName of the investorCheque/Draft No./Payment )nstrument No. Dated Bank Branch Drawn on For ` Bank Charges in cases of Draft of ` Date Please Note : All purchases are subject to realisation of Cheque / Demand Draft / Payment )nstrument.

Time Stamp No.

)SC Signature, Stamp & Date

TO BE F)LLED )N BY T(E )NVESTOR APP. No

D D M M Y Y Y Y Not older than yearNot older than yearNot older than year

APPLICATION FORM FOR LIC NOMURA MF ULIS)nvestors must read the )ey )nformation Memorandum and the instructions before completing this Form. The Application Form should be completed in English and in BLOC) LETTERS only.

Call Toll Free Number 1800-258-5678 Email : [email protected]

Website : www.licnomuramf.com

For any queries please contact our nearest Investor Service Centre or

SIGN HEREFirst Applicant/ Guardian SIGN HERESecond Applicant SIGN HEREThird ApplicantDate : ________________Place : _______________

8. Overseas address Overseas address is mandatory for NR) / F)) applicants in addition to mailing address in )ndiaLandmark City State Pincode Country

10. FATCA Detail For )ndividuals & (UF Mandatory Non )ndividual investors should mandatoryly fill separate FACTA details formDo you have any non-)ndian Country ies of Birth / Citizenship / Nationality and Tax Residency? Yes No Please tick as applicable and if yes, provide the below mentioned information )mandatory .Sole/First Applicant/Guardian Yes No 2nd Applicant Yes No 3rd Applicant Yes No or POA Yes NoCountry of Birth Country of Birth Country of BirthCounty of Citizenship/ Nationality Country of Citizenship/ Nationality Country of Citizenship/ NationalityAre you e US Specified Person? Yes Noplease provide Tax Payer )d. Are you a US Specified Person? Yes Noplease provide Tax Payer )d. Are you a US Specified Person? Yes Noplease provide Tax Payer )d.Country of Tax Residency* other than )ndia Taxpayer )dentifiation No. Country of Tax Residency* other than )ndia Taxpayer )dentifiation No. Country of Tax Residency* other than )ndia Taxpayer )dentifiation No.1

2* Please indicate all countries in which you are a residend for tax purpose and associated Tax Payer )ndentification number. )n case of association with POA, the POA holder shoulder fill form to provide the above details mandatorily.

9. DEMAT ACCOUNT DETAILS* - Optional - refer instruction NSDL CDSLDP NAMEDP )DBeneficiary Account No

13. NOMINATION DETAILS Refer )nstruction No. )/We wish to nominate )/We DO NOT wish to nominate and sign here st Applicatnt Signature MandatoryNomination Name and Address Guardian Name in case of Minor Allocation % Nominee / Guardian Signature

Nominee 1 100%To register multiple nominee please fill seperate Nomination Form

(I) REGULAR PREMIUM (II) SINGLE PREMIUM

Term years years REDUC)NG COVER UN)FORM COVERTARGET AMOUNT : `

` MODE OF CONTR)BUT)ON: Yearly (alf yearly Monthly* Contribution Amount : `

`

Term : 5 Years 10 Years

TARGET AMOUNT : `

`

5. MODE OF HOLDOING [Please tick (√)] Joint Single Anyone of Survivor Default option is Anyone of Survivor6. MA)L)NG ADDRESS OF F)RST / SOLE APPL)CANT MANDATORY (Refer Instruction 11)

Landmark City State Pincode Counry

7. CONTACT DETAILS OF SOLE/FIRST APPLICANT Mobile No. and Email Id. Refer Instruction No. 11)Email )d Please Specify Mobile No.Tel no Resi STD Code Off STD Code

11. BANK ACCOUNT DETAILS OF THE FIRST APPLICANT refer instruction As per SEB) Regulations it is mandatory for investors to provide their bank account detailsAccount No. Name of the BankType of A/c SB Current NRE NRO FCNR Others Ps specify Branch Bank City)FSC code** MICR no Refer )nstruction . Mandatory to attach proof, in case the pay-out bank account is different from the bank account where the investment is made For unit holders opting to hold units in demat form, please ensure that the bank account is mentioned here. **Mandatory to credit via NEFT/RTGS12. INVESTMENT DETAILS [ Please tick √ ] Refer )nstruction No. , & )f this section is left blank, only folio will be createdSeparate cheque/demand draft must be )ssued for each )nvestment, drawn in favour of respective scheme name. Please write appropriate scheme name as well as the Plan / Option / Sub Option.* Cheque / DD Favouring Scheme Name refer )nstruction & Plan / Option Amount )nvested Rs. DD Charges Net Amount Paid Rs. Cheque/DD No./UTR No. in case of NEFT/RTGS Bank and Branch and Account Number

*All purchases are subject to relaization of fund Refer to )nstruction No. Account Type Please tick √ SB Current NRE NRO FCNR Others Per Specify

14. POA (Power of Attorney) REG)STRAT)ON DETA)LS Refer )nstruction overleafName of the POA holder Attached )YC Letter MandatoryPAN of the PoA holder Notarized copy of PoA

SIGN HEREFirst Applicant/ Guardian SIGN HERESecond Applicant SIGN HEREThird ApplicantDate : ________________Place : _______________

15. PERSONAL QUESTIONAIRE. Are you already a member of L)C NOMURA MF UL)S? )f yes, please give the total of target amount for such earlier memberships inforce: . (ave you ever suffered from any major disease s ? )f yes, give details : . Do you have any physical deformity or are you handicapped? )f yes, please give details: . (ave you had any serious illness or major operaitons for the last yrs.? )f yes please give details: . Wether any proposal of )nsurance to your life to the L)C of )ndia or any other life insurer has ever been deferred / declined? )f yes please give details:

WORKING OF THE SCHEME: Under the scheme the investor has a choice to participate under Regular Contribution Plan or Single Contribution Plan for an aggregate amount called )nsurance AmountThe scheme offers two options for the insurance cover viz. Uniform Cover & Reducing Cover. Under the Uniform Cover the life insurance cover remains same throughout the term and under the Reducing Cover, the life insurance cover reduces during the duration of the term.REGULAR CONTRIBUTION PLAN: Under this plan investor can choose either a -year term or year term of investment. The investor needs to invest a uniform amount every year i.e. / th of insurance amount under -year term and / th of insurance amount under year term. All contributions are payable on a yearly basis. (owever, for the convenience of the investors following options are given. The investor has a choice of making this investment either once in a year i.e. on a yearly basis or twice a year i.e. on a half-yearly basis or on a monthly basis by S)P/STP through ECS/auto debit.The minimum target amount is ` , /- under year term ` , /- under year term ` , /- under monthly S)P year term ` , /- under monthly S)P year termUnder the Regular Contribution Plan, the insurance amount should be in multiples of ` /-/ ` /- for / year respectively and minimum installment amount should be ` /- in monthly option.Maximum Insurance Amount: ` 15,00,000/-Payment Date: Each instalment is to be paid within days preceeding or succeeding the due date.Uniform Cover Option and Reducing Cover Option for Insurance Cover: The investor has to choose either Uniform Cover option or Reducing Cover option to enable the AMC to determine and deduct premium accordingly from the amount invested. )n case of Uniform Cover, the life insurance cover remains the same throughout the term of the plan and under Reducing Cover, the life insurance cover reduces during the term of the plan and at any point of time it is equal to the outstanding contributions that are yet to be made.)f the insurance cover option is not chosen by the investor, by default, the cover will be taken as Reducing Cover mode. Also, once the option of insurance cover is chosen, the same cannot be altered.SINGLE CONTRIBUTION PLAN: Under this plan, the investor can choose either a year term or year term. The entire insurance amount has to be invested in a single contribution.Minimum Investment: ` , /- and thereafter in multiples of ` /- under both the year term and year term.Maximum Investment: There is no upper limit.BASIC CONDITIONSEligible for )nvestment: By Resident )ndividuals and NR)s in the age group of completed to years last birthday under the Single Premium Plan and year term of the Regular Premium Plan and completed to years last birthday for year term of the Regular Contribution Plan.)nsurance Cover: Only First Class lives are eligible for insurance. The insurance benefits are payable to First & Sole unitholder only when the contributions under the scheme are made in time and upto date. The insurance cover life and accident will cease to be applicable on compete repurchase of units by the unitholder or till the maturity date. Extent of Life )nsurance Cover: Risk on the unitholder s life is covered to the extent of balance )NSURANCE AMOUNT in case of reducing cover option and equal to insurance amount in case of uniform cover option and Single Premium Plan subject to a maximum of ` , , /- under all memberships for both the plans. )n case of females who have no regular and independent income, the Life Risk Cover will be limited to maximum of ` lakhs.The Life Risk Cover is not available during the first six months. )n case of unfortunate death during the first six months, the premium deducted will be refunded. )n case of death during the next six months, only % of the cover is available. )nsurance cover will not be available in case of death by suicide during the first year. )n case of death by accident at any time including the first year, full Life )nsurance cover will be available. )n case of partial repurchases the life/accident cover will be proportionately reduced. The insurance cover will be provided on the basis of declaration of good health subject to the satisfaction of the AMC.Free Accident Benefit: Accident Benefit Cover is available absolutely free to the member under the scheme, including in the First Year. The amount of cover is equal to the amount of Life )nsurance cover subject to a maximum of ` , , /-, under all Memberships for both the plans. Applicants should have no deformity and should be enjoying the good health.Life )nsurance and Accident Benefit cover is available to the first and sole named person who is the member of the scheme.The Personal Accident Cover is applicable to the resident unitholder for death by accident in )ndia. The personal accident insurance cover will begin from the date of allotment of units till such time the scheme is in force. Settlement of ClaimsDeath Claims: All death claims will be settled by L)C of )ndia through L)C Nomura Mutual Fund. )n case of unfortunate death of the Member during the scheme period, the nominee/successor will be entitled to receive the following benefits subject to other applicable conditions.. Repurchase Price of Capital and Dividend Units to the investor's credit. Amount of Life )nsurance Cover. Amount of Accident )nsurance Cover in case death occurs due to accident.All insurance claims will be settled in )ndia and shall be payable in )ndian Rupee only.Age Proof to the satisfaction of AMC is required to be submitted.Accident Claims)n case of an accident resulting in death of the resident unitholder the legal nominee / unitholder may file the claim supported by all valid documents. )f the same is found to be satisfactory to AMC, the payment of the claim shall be made to the nominee / unitholder by the insurance company through L)C Mutual Fund. All insurance claims will be settled in )ndia and shall be payable in )ndian Rupees only.Final Additional Benefit / Maturity BonusMaturity Bonus will be paid subject to timely payment of each instalment on due dates and not withdrawn either fully or partially till Maturity.Single Premium Plan : . % of insurance amount for year term plan . % of insurance amount for year term planRegular Premium Plan : . % of insurance amount for year term plan % of insurance amount for year term planOption on MaturityMaturity )ntimation Letter will be sent to the unitholder, one month in advance to the maturity date, giving the options as mentioned below: To continue in the scheme without insurance cover and exit at any time later on at the applicable NAV as on the date of receipt of redemption request.For such cases loyalty bonus @ . % p.a will be paid. To switch the maturity proceeds into any of our ongoing schemes To redeem the units as on the date of maturity)n case no option is exercised and duly intimated to us before the date of maturity, the default option will be as per above.Declaration of Good HealthThis declaration should be made in the presence of an authorized person of L)C Nomura MF AMC Ltd., Authorized L)C Nomura Mutual Fund ARNs and counter signed by Agents. Applications without the (ealth Questionnaire subject to the satisfaction of the AMC and/or age proof will not be entertained.Auto cover: )n the event of non receipt of a contribution, on due date term premium will be paid to the L)C by redeeming the existing units from the unit holder's folio. (owever such redemption of units should not reduce the value of investment below /- to be reckoned at the prevailing NAV on the date of such redemption.Additional Contribution: Additional Contribution can be made over & above insurance amount but in any case insurance amount cannot be changed in between even if the investor has not taken the maximum UL)S coverage. Such payment can be made any number of times in a year. Units will be allocated as per NAV of the payment date. Amount contributed can be withdrawn fully or partially only after yrs. No additional contribution will be accepted in the last yrs before maturity date.

DECLARATIONTo,LIC NOMURA Mutual FundDear Sir,(aving read and understood the provisions of L)C NOMURA MF UL)S scheme, ) agree to abide by the same and hereby apply for the membership of the scheme as citizen of )ndia. ) declare that the total target amounts of all my memberships under UL)S scheme including the one being applied for, do not exceed ` lakhs/ ` lakhs as the case may be . ) also hereby declare that ) am in good health and free from disease s including (ypertension/ )nsanity/ Diabetes/ Paralysis/ Tuberculosis/ Cancer etc.; that ) have not had any serious illness or major operation for the last years and that no proposal of insurance to my life to the L)C of )ndia or any other life insurer has ever been deferred/declined.(aving read and understood the Scheme )nformation Document and conditions of L)C NOMURA Mutual Fund - UL)S, )/We hereby apply for its units and agree to abide by the terms and conditons of the Scheme and any amendments thereof. )/We have understood the detail of the scheme and )/We have not received or being induced by any rebate or gifts, directly or )ndirectly, in making this investments . )/We confirm that )/We have not received and will not receive any commission or brokerage or any other incentive in any form, directly for subscribing to the scheme

1. Please read Key Information Memorandum, terms of the Scheme Information Documents) of the respective Scheme(s) and Statement of Additional Information carefully bef“re i‘‘ing the A””‘icati“n F“r’. Invest“rs sh“u‘d a””rise the’se‘ves “f the ”revai‘ing L“ad structure “n the date “f sub’itting the A””‘icati“n F“r’. Invest“rs are dee’ed t“ have acce”ted the ter’s subject t“ which these “ffers are being ’ade and bind the’se‘ves t“ the ter’s u”“n signing the A””‘icati“n F“r’ and tendering ”ay’ent New invest“rs wishing t“ ’ake SIP invest’ent wi‘‘ need t“ c“’”‘ete and sub’it b“th the A””‘icati“n F“r’ and the SIP Enr“‘’ent F“r ’ (f“r P“st Dated Cheques “r f“r Aut“ Debit/ ECS/ Standing Instructi“n as a””‘icab‘e).The A””‘icati“n F“r’ sh“u‘d be c“’”‘eted in ENGLISH and in BLOCK LETTERS “n‘y. P‘ease tick in the a””r“”riate b“x f“r re‘evant “”ti“ns wherever a””‘icab‘e. P‘ease d“ n“t “verwrite. F“r any c“rrecti“n / changes (if any) ’ade, the s“‘e / a‘‘ a””‘icants are requested t“ authenticate the sa’e by cance‘ing and re-writing the c“rrect detai‘s and c“unter-signing the sa’e. A””‘icati“ns c“’”‘ete in a‘‘ res”ects, ’ay be sub’itted at the designated Oficia‘ P“ints “f Acce”tance “f L1C N“’ura Mutua‘ Fund. Invest“rs ’ust write the A””‘icati“n F“r’ nu’ber / F“‘i“ nu’ber “n the reverse “f the cheques and bank drafts acc“’”anying the A””‘icati“n F“r’. Applications incomplete in any respect are liable to be rejected.

P‘ease n“te that if n“ P‘an is ticked / indicated in the A””‘icati“n f“r’, the units wi‘‘, by defau‘t be a‘‘“tted under the Gr“wth P‘an “f the Sche’e. Si’i‘ar‘y, Dividend Reinvest’ent O”ti“n “f the Dividend P‘an sha‘‘ be the defau‘t sub-“”ti“ns.2. Direct Investments: Invest“rs a””‘ying under Direct P‘an ’ust ’enti“n "Direct" in ARN c“‘u’n. In case Distribut“r c“de is ’enti“ned in the a””‘icati“n f“r’, but "Direct P‘an" is indicated against the Sche’e na’e, the Distribut“r c“de wi‘‘ be ign“red and the a””‘icati“n wi‘‘ be ”r“cessed under Direct P‘an. In case “f va‘id a””‘icati“n received with“ut indicating "Direct P‘an" against the Sche’e / P‘an na’e and with“ut any Distribut“r C“de ’enti“ned “n the f“r’, the a””‘icati“n wi‘‘ be ”r“cessed under "Direct P‘an".3. Investments through distributors

3.1. As ”er directi“ns “f Securities and Exchange B“ard “f India (SEBI), the distribut“rs, agents “r any ”ers“ns e’”‘“yed “r engaged “r t“ be e’”‘“yed “r engaged in the sa‘e and/“r distributi“n “f ’utua‘ fund ”r“ducts are required t“ have a va‘id certiicati“n fr“’ the Nati“na‘ Institute “f Securities Markets (NISM) by ”assing the certiicati“n exa’inati“n. Further, n“ agents / distribut“rs are entit‘ed t“ se‘‘ units “f ’utua‘ funds un‘ess the inter’ediary is register ed with Ass“ciati“n “f Mutua‘ Funds in India (AMFI). New cadre distribut“rs: SEBI has intr“duced a new cadre “f distribut“rs such as ”“sta‘ agents; retired g“vern’ent and se’i-g“vern’ent “ficia‘s (c‘ass HI and ab“ve “r equiva‘ent), retired teachers and retired bank “ficers (a‘‘ such retired ”ers“ns with at ‘east 10 years “f service) and “ther si’i‘ar ”ers“ns (such as Bank c“rres”“ndents) as ’ay be n“tiied by AMFI/AMC fr“’ ti’e t“ ti’e. Such New Cadre distribut“r can se‘‘ “n‘y 'sini”‘e and ”erf“r’ing' diversiied equity sche’es, index funds and ixed maturity

3.2. There is a ”re-ix “f *SD* bef“re the ARN nu’ber “f such distribut“rs. They a‘s“ h“‘d an EU1N which ’ust be qu“ted in the a””‘icati“n f“r’. In case y“ur a””‘icati“n f“r subscri”ti“n is thr“ugh such distribut“r is n“t f“r an e‘igib‘e sche’e, it is ‘iab‘e t“ be rejected.3.3. Enj”‘“yee Unique Identiicati“n Nu’ber (EUIN): SEBI has ’ade it c“’”u‘s“ry f“r every e’”‘“yee/ re‘ati“nshi” ’anager/ sa‘es ”ers“n “f the distribut“r “f ’utua‘ fund ”r“ducts t“ qu“te the EUIN “btained by hi’/her fr“’ AMFI in the A””‘icati“n F“r’. EUIN, ”articu‘ar‘y in advis“ry transacti“ns, w“u‘d assist in addressing any instance “f ’is- sc‘‘ing even if the e’”‘“yee/re‘ati“nshi” ’anager /sa‘es ”ers“n ‘ater ‘eaves the e’”‘“y’ent “f the distribut“r.Individua‘ ARN h“‘ders inc‘uding seni“r citizens distributing ’utua‘ fund ”r“ducts are a‘s“ required t“ “btain and qu“te EUIN in the A””‘icati“n F“r’. Hence, if y“ur invest’ents are r“uted thr“ugh a distribut“r ”‘ease ensure that the EUIN is c“rrect‘y i‘‘ed u” in the A””‘icati“n F“r’. H“wever, if y“ur distribut“r has n“t given y“u any advice ”ertaining t“ the invest’ent the EUIN b“x ’ay be ‘eft b‘ank. In this case, y“u are required t“ ”r“vide a du‘y signed dec‘arati“n t“ this effect, as given in the F“r’.3.4.Overseas Distribut“rs: Overseas Distribut“rs are exe’”t fr“’ “btaining NISM certiicati“n and AMFI registrati“n. H“wever, such Overseas Distribut“rs are required t“ c“’”‘y with the guide‘ines/ require’ents as ’ay be issued by AMFI /SEBI fr“’ ti’e t“ ti’e and a‘s“ c“’”‘y with the ‘aws, ru‘es and regu‘ati“ns “f jurisdicti“ns where they carry “ut their “”eratMMS in the ca”acity “f distribut“rs. Further, EUIN wi‘‘ n“t be a””‘icab‘e f“r “verseas distribut“rs wh“ c“’”‘y with the require’ents as ”er AMFI circu‘ar CIR/ ARN-14/12-13 dated Ju‘y 13, 2012.4. Transaction Charges

4.1. ‘n acc“rdance with SEBI circu‘ar N“. Cir/ IMD/ DF/13/ 2011 dated August 22, 2011, as a’ended fr“’ ti’e t“ ti’e LIC N“’ura Asset Manage’ent C“’”any Li’ited ( the AMC)/Mutua‘ Fund wil deduct Transacti“n Charges fr“’ the ”urchase/ subscri”ti“n a’“unt received fr“’ the invest“rs investing thr“ugh a va‘id ARN H“‘der i.e. AMFI registered Distribut“r (”r“vided the Distribut“r has “”ted-in t“ receive the Transacti“n Charges).4.1.1. The Distribut“r ’ay “”t t“ receive transacti“n charges based “n the ty”e “f ”r“duct,4.1.2. Transacti“n Charge “f Rs. 150 (f“r a irst ti’e invest“r acr“ss ’utua‘ funds) “r Rs, 100 (f“r invest“r “ther than irst ti’e ’utua‘ fund invest“r) ”er ”urchase / subscri”ti“n “f Rs. 10,000 and ab“ve are deductib‘e fr“’ the ”urchase / subscri”ti“n a’“unt and ”ayab‘e t“ the Distribut“r. T he ba‘ance a’“unt sha‘‘ be invested.There sha‘‘ be n“ transacti“n charge “n subscri”ti“n be‘“w Rs. 10,000/- and “n transacti“ns “ther than ”urchases/ subscri”ti“ns re‘ating t“ new inl“ws. H“wever, the “”ti“n t“ charge transacti“n charges is at the discreti“n “f the distribut“rs. 4.2. TRANSACTION CHARGES IN CASE OF INVESTMENTS THROUGH SIP:4.2.1. Transacti“n Charges in case “f invest’ents thr“ugh SIP are deductib‘e “n‘y if the t“ta‘ c“’’it’ent “f invest’ent (i.e. a’“unt ”er SIP insta‘‘’ent x N“. “f insta‘‘’ents) a’“unts t“ Rs. 10,000 “r ’“re. In such cases, Transacti“n Charges sha‘‘ be cfeducted in 3-4 insta‘‘’ents. Transacti“n Charges sha‘‘ n“t be deducted: (a) where the Distribut“r “f the invest“r has n“t “”ted t“ receive any Transacti“n Charges (b) f“r ”urchases / subscri”ti“ns / t“ta‘ c“’’it’ent a’“unt in case “f SIP “f an a’“unt ‘ess than Rs. 10.000(c) f“r transacti“ns “ther than ”urchases / subscri”ti“ns re‘ating t“ new inl“ws i.e. thr“ugh Switches/Syste’atic Transfers/ Div idend Transfers/ Dividend Reinvest’ent, etc.; (d) f“r ”urchases / subscri”ti“ns ’ade direct‘y with the Fund (i.e. n“t thr“ugh any Distribut“r); and (e) f“r ”urchases / subscri”ti“ns r“uted thr“ugh St“ck Exchange(s). First / S“‘e A””‘icant / Guardian sh“u‘d indicate whether he is a irst ti’e invest“r acr“ss Mutua‘ Funds “r an existing invest“r in the a””r“”riate b“x ”r“vided f“r this ”ur”“se in the a””‘icati“n f“r’. LIC N“’ura AMC/ Fund wi‘‘ endeav“r t“ identify the invest“r as irst ti’e “r existing based “n the Per’anent Acc“unt Nu’ber (PAN)/PA N Exe’”t KYC Reference Nu’ber (PEKRN) at the First/ S“‘e A””‘icant/ Guardian ‘eve‘. If the PAN/PEKRN detai‘s are avai‘ab‘e, then the First / S“‘e A””‘icant / Guardian wi‘‘ be treated as existing invest“r (i.e. Rs. 100 wi‘‘ be deducted as Transacti“n Charge) e‘se the dec‘arati“n in the a””‘icati“n f“r’ wi‘‘ be c“nsidered (i.e. Rs. 150 f“r irst ti’e invest“rs “r Rs. 100 f“r “ther than irst ti’e invest“rs wi‘‘ be deducted as Transacti“n Charge, as a””‘icab‘e). H“wever, if an Invest“r has n“t ”r“vided any dec‘arati“n, he wi‘‘ be c“nsidered as an existing invest“r.4.2.2. The af“resaid transacti“n charge sha‘‘ be deducted by the Asset Manage’ent C“’”any fr“’ the subscri”ti“n a’“unt and ”aid t“ the distribut“r, as the case ’ay be and the ba‘ance a’“unt sha‘‘ be invested subject t“ deducti“n “f service tax. Unit h“‘der s state’ent “f acc“unt wi‘‘ relect subscri”ti“n a’“unt, transacti“n charges and net invest’ents. Transacti“n Charges sha‘‘ n“t be deducted if: • Purchase/Subscri”ti“n ’ade direct‘y with the fund thr“ugh any ’“de (i.e. n“t thr“ugh any distribut“r/agent). • Purchase/Subscri”ti“n ’ade thr“ugh st“ck Exchange, irres”ective “f invest’ent a’“unt5. Existing Unit holder information

invest“rs a‘ready having an acc“unt in any “f LIC N“’ura Mutua‘ Fund Sche’es sh“u‘d ”r“vide their F“‘i“ Nu’ber & Na’e “f the First Unit H“‘der in secti“n 1 and ”r“ceed t“ secti“n 6 & 7. The ”ers“na‘ detai‘s and Bank Acc“unt detai‘s as they feature in the existing f“‘i“ w“u‘d a””‘y t“ this invest’ent as we‘‘ and w“u‘d ”revai‘ “ver any c“nlicting inf“r’ati“n furnished in this f“r’. Unith“‘der s na’e sh“u‘d ’atch with the detai‘s in the existing f“‘i“ nu’ber, fai‘ing which the a””‘icati“n f“r’ is ‘iab‘e t“ be rejected. In such case, if any “ther detai‘s are i‘‘ed, the sa’e sha‘‘ be ign“red.6. Unit holder Information

6.1. Na’e and address ’ust be written in fu‘‘, On successfu‘ va‘idati“n “f the invest“r s PAN f“r KYC, the address ”r“vided in the KYC f“r’ wi‘‘ “verride the address ’enti“ned in this f“r’. In case the Invest“r is an NRI/FI1/0CI/QFI/FP1, an “verseas address ’ust be ”r“vided. A ‘“ca‘ address if avai‘ab‘e ’ay a‘s“ be ’enti“ned in the A””‘icati“n F“r’.6.2. A””‘icati“ns under a P“wer “f Att“rney “r by a ‘i’ited c“’”any “r a c“r”“rate b“dy “r an e‘igib‘e instituti“n “r a registered s“ciety “r a trust fund ’ust be acc“’”anied by the “rigina‘ P“wer “f Att“rney (“r a certiied true c“”y “f the sa’e du‘y n“tarised). Auth“rised “ficia‘s sh“u‘d sign the A””‘icati“n F“r’ under their “ficia‘ designati“n. A ‘ist “f s”eci’en signatures “f the auth“rized “ficia‘s, du‘y certiied / attested sh“u‘d a‘s“ be attached t“ the A””‘icati“n F“r’. Unit h“‘ders are advised t“ ”r“vide their c“ntact detai‘s ‘ike te‘e”h“ne nu’bers, ’“bi‘e nu’bers and e’ai‘ IDs t“ LIC N“’ura Mutua‘ Fund in writing.6.3. A‘‘ c“’’unicati“n and ”ay’ents sha‘‘ be ’ade by the Mutua‘ Fund in the na’e “f and fav“uring the irst/s“‘e a””‘icant. In case “f a””‘icati“ns ’ade in j“int na’es with“ut indicating the ’“de “f h“‘ding, ’“de “f h“‘ding wi‘‘ be dee’ed as j“int and ”r“cessed acc“rding‘y,6.4.In case an invest“r “”ts t“ h“‘d the Units in de’at f“r’, the a””‘icant(s) detai‘s ’enti“ned in secti“n sh“u‘d be the sa’e as a””earing in de’at acc“unt he‘d with a Depository Participant

6.5. In case “f fresh/ additi“na‘ ”urchases, if the na’e “f a ”articu‘ar sche’e “n the a””‘icati“n f“r’/ transacti“n s‘i” differs with the na’e “n the cheque/ de’and draft, then LIC N“’ura Mutua‘ Fund Asset Manage’ent C“’”any Ltd. (The AMC) wi‘‘ ”r“cess the a””‘icati“n and a‘‘“t units at the a””‘icab‘e net asset va‘ue, under the sche’e which is ’enti“ned “n the a””‘icati“n f“r’/ transacti“n s‘i” du‘y signed by the invest“r(s). The AMC reserves the right t“ ca‘‘ f“r “ther additi“na‘ d“cu’ents as ’ay be required, f“r ”r“cessing such transacti“ns. The AMC a‘s“ reserves the right t“ reject such transacti“ns.The AMC thereafter sha‘‘ n“t be res”“nsib‘e f“r any ‘“ss sufferedby the invest“r(s) due t“ the discre”ancy in the sche’e na’e ’enti“ned in the a””‘icati“n f“r’/ transacti“n s‘i” and cheque/ De’and Draft7. Accounts of Minors: The ’in“r sha‘‘ “n‘y be the irst and the s“‘e h“‘der in an acc“unt (f“‘i“). There sha‘‘ n“t be any j“int acc“unts with ’in“r as the irst “r j“int h“‘der. Na’e “f the Parent “r Guardian ’ust be ’enti“ned if the invest’ents are being ’ade “n beha‘f “f a ’in“r. Guardian in the f“‘i “ sh“u‘d either be a natura‘ guardian (i.e. father “r

INSTRUCTIONS


’“ther, as the case ’ay be) “r a c“urt a””“inted ‘ega‘ guardian. Date “f birth “f the ’in“r a‘“ng with ”h“t“c“”y “f su””“rting d“cu’ents (i.e. Birth certiicate, Sch““‘ ‘eaving certiicate / Mark sheet issued by Higher Sec“ndary B“ard “f res”ective states, 1CSE, CBSE etc.. Pass”“rt, “r any “ther suitab‘e ”r““f evidencing the date “f birth “f the ’in“r) sh“u‘d be ”r“vided whi‘e “”ening the f“‘i“. In case “f a natura‘ guardian, d“cu’ent evidencing the re‘ati“nshi” “f the Guardi an with the ’in“r, if the sa’e is n“t avai‘ab‘e as ”art “f the d“cu’ents ’enti“ned ab“ve sh“u‘d be sub’itted. In case “f c“urt a””“inted ‘ega‘ guardian, su””“rting d“cu’entary evidence sh“u‘d be ”r“vided. Further, in case “f SIP/STP/SWAP registrati“n requests received “n/after A”ri‘ 1, 2011, the Mutua‘ Fund/AMC wi‘‘ register SIP/STP/SWAP in the f“‘i“ he‘d by a ’in“r “n‘y ti‘‘ the date “f the ’in“r attaining ’aj“rity, even th“ugh the instructi“ns ’ay be f“r a ”eri“d bey“nd that date.F“r f“‘i“s where the units are he‘d “n beha‘f “f the ’in“r, the acc“unt sha‘‘ be fr“ze n f“r “”erati“n by the guardian “n the day the ’in“r attains ’aj“rity and n“ transacti“ns sha‘‘ be ”er’itted ti‘‘ the d“cu’ents f“r changing the status “f the acc“unt fr“’ ’in“r t“ ’aj“r as ”rescribed are received.8. Bank Details *

8.1. Pay - Out Bank Account Details: An invest“r at the ti’e “f ”urchase “f units ’ust ”r“vide the detai‘s “f his / her ”ay-“ut bank acc“unt (i.e. acc“unt int“ which rede’”ti“n / dividend ”r“ceeds are t“ be ”aid) in Secti“n 5 in the A””‘icati“n F“r’.Mu‘ti”‘e Bank Acc“unt Registrati“n: The AMC/ Mutua‘ Fund ”r“vides a faci‘ity t“ the invest“rs t“ register ’u‘ti”‘e bank acc“unts (current‘y u”t“ 5 f“r Individua‘s and 10 f“r N“n - Individua‘s) f“r receiving rede’”ti“n/ dividend ”r“ceeds etc. by ”r“viding necessary d“cu’ents. Invest“rs ’ust s”ecify any “ne acc“unt as the Defau‘t Bank Acc“unt . The invest“r, ’ay h“wever, s”ecify any “ther registered bank acc“unt f“r credit “f rede’”ti“n ”r“ceeds at the ti’e “f requesting f“r the rede’”ti“n. Invest“rs h“‘ding units in n“n-de’at f“r’ are requested t“ avai‘ the faci‘ity “f registering ’u‘ti”‘e bank acc“unts by i‘‘ing in the Mu‘ti”‘e Bank Acc“unts Registrati“n F“r’ avai‘ab‘e at “ur Invest“r Service Centres (ISCs) “r “n “ur website www.‘icn“’ura’f.c“’8.2. Mu‘ti”‘e Bank Acc“unt Registrati“n: The AMC/ Mutua‘ Fund ”r“vides a faci‘ity t“ the invest“rs t“ register ’u‘ti”‘e bank acc“unts (current‘y u”t“ 5 f“r Individua‘s and 10 f“r N“n - Individua‘s) f“r receiving rede’”ti“n/ dividend ”r“ceeds etc. by ”r“viding necessary d“cu’ents. Invest“rs ’ust s”ecify any “ne acc“unt as the Defau‘t Bank Acc“unt . The invest“r, ’ay h“wever, s”ecify any “ther registered bank acc“unt f“r credit “f rede’”ti“n ”r“ceeds at the ti’e “f requesting f“r the

rede’”ti“n. Invest“rs h“‘ding units in n“n de’at f“r’ are requested t“ avai‘ the faci‘ity “f registering ’u‘ti”‘e bank acc“unts by i‘‘ing in the 'Mu‘ti”‘e Bank Acc“unts Registrati“n F“r’' avai‘ab‘e at “ur Invest“r Service Centres (ISCs) “r “n “ur website www.‘icn“’ura’f.c“’8.3. Indian Financial System Code (IFSC): IFSC is a 11 digit nu’ber given by s“’e “f the banks “n the cheques. IFSC wi‘‘ he‘” t“ secure transfer “f rede’”ti“n and dividend ”ay“uts via the vari“us e‘ectr“nic ’“des “f transfers that are avai‘ab‘e with the banks.9. Mode of Payment:

Pay’ent ’ay be ’ade by cheque “r bank draft drawn “n any bank, which is situated at and is a ’e’ber “f the Bankers C‘earing H“use, ‘“cated at the ”‘ace where the a””‘icati“n is sub’itted. N“ cash, ’“ney “rders, ”“st-dated cheques [exce”t thr“ugh Syste’atic Invest’ent P‘an (SIP)] and ”“sta‘ “rders wi‘‘ be acce”ted. Bank charges f“r “utstati“n de’and drafts wi‘‘ n“t be b“rne by the AMC .The AMC wi‘‘ n“t acce”t any request f“r refund “f de’and draft charges, in such cases.9.1. NRIs, FIIs, OCIs:

9.1.1. Repatriatlon Basis

9.1.1.1. In the case “f NRIs, ”ay’ent ’ay be ’ade either by inward re’ittance thr“ugh n“r’a‘ banking channe‘s “r “ut “f funds he‘d in his N“n - Resident (Externa‘) Ru”ee Acc“unt (NRE) / F“reign Currency (N“n-Resident) Acc“unt (FCNR). In case Indian ru”ee drafts are ”urchased abr“ad “r fr“’ F“reign Currency Acc“unts “r N“n-resident Ru”ee Acc“unts an acc“unt debit certiicate fr“’ the Bank issuing the draft c“nir’ing the debit sha‘‘ a‘s“ be enc‘“sed.9.1.1.2. FIIs sha‘‘ ”ay their subscri”ti“n either by inward re’ittance thr“ugh n“r’a‘ banking channe‘s “r “ut “f funds he‘d in F“reign Currency Acc“unt “r N“n -Resident Ru”ee Acc“unt ’aintained by the F‘‘ with a designated branch “f an auth“rised dea‘er.9.1.2. Non-repatriation Basis

9.1.2.1. ‘n the case “f NRIs/OCIs, ”ay’ent ’ay be ’ade either by inward re’ittance thr“ugh n“r’a‘ banking channe‘s “r “ut “f funds he‘d in his NRE / FCNR / N“n-Resident Ordinary Ru”ee Acc“unt (NRO). In case Indian ru”ee drafts are ”urchased abr“ad “r fr“’ F“reign Currency Acc“unts “r N“n-resident Ru”ee Acc“unts an acc“unt debit certiicate fr“’ the Bank issuing the draft c“nir’ing the debit sha‘‘ a‘s“ be enc‘“sed.FPI sha‘‘ ”ay their subscri”ti“n either by inward re’itance thr“ugh n“r’a) banking channe‘s “r “ut “f funds he‘d in F“reign currency A/c “r s”ecia‘ N“n-Resident Ru”ee A/c ’aintained by the F‘‘ with designated branch “f an auth“rised dea‘er.9.2. In “rder t“ ”revent frauds and ’isuse “f ”ay’ent instru’ents, the invest“rs are ’andated t“ ’ake the ”ay’ent instru’ent i.e. cheque, de’and draft, ”ay “rder, etc. fav“uring either “f the f“‘‘“wing given be‘“w and cr“ssed Acc“unt Payee “n‘y . Invest“rs are urged t“ f“‘‘“w the “rder “f ”reference in ’aking the ”ay’ent instru’ent fav“uring as: the S”eciic Sche’e A/c Per’anent Acc“unt Nu’ber “r the S”eciic Sche’e A/c First Invest“r Na’e .10. Thlrd Party Payments :

Invest’ent/subscri”ti“n ’ade thr“ugh Third Party Cheque(s) wi‘‘ n“t be acce”ted. Third ”arty cheque(s) f“r this ”ur”“se are deined as: (i) Invest’ent ’ade thr“ugh instru’ents issued fr“’ an acc“unt “ther than that “f the beneiciary invest“r (ii) in case the invest’ent is ’ade fr“’ a j“int bank acc“unt, the irst h“‘der “f the ’utua‘ fund f“‘i“ is n“t “ne “f the j“int h“‘ders “f the bank acc“unt fr“’ which ”ay’ent is ’ade.10.1. Third ”arty cheque(s) f“r invest’ent/subscri”ti“n sha‘‘ be acce”ted, “n‘y in exce”ti“na‘ circu’stances, as detai‘ed be‘“w:10.1.1. Pay’ent by Parents/Grand-Parents/re‘ated ”ers“ns “n beha‘f “f a ’in“r in c“nsiderati“n “f natura‘ ‘“ve and affecti“n “r as gift f“r a va‘ue n“t exceeding Rs.50,000/- (each regu‘ar ”urchase “r ”er SIP insta‘‘’ent). H“wever this restricti“n wi‘‘ n“t be a””‘icab‘e f“r ”ay’ent ’ade by a guardian wh“se na’e is registered in the rec“rds “f Mutua‘ Fund in that f“‘i“.10.1.2. Pay’ent by E’”‘“yer “n beha‘f “f e’”‘“yee under Syste’atic Invest’ent P‘ans thr“ugh Payr“‘‘ deducti“ns.10.1.3. Cust“dian “n beha‘f “f a F“reign Instituti“na‘ Invest“r (FII) “r a c‘ientThe ab“ve ’enti“ned exce”ti“n cases wi‘‘ be ”r“cessed after carrying “ut necessary checks and veriicati“n “f d“cu’ents attached a‘“ng with the ”urchase transacti“n s‘i”/a””‘icati“n f“r’, as stated be‘“w:10.1.3.1. Deter’ining the identity “f the Invest“r and the ”ers“n ’aking ”ay’ent i.e. ’andat“ry Kn“w Y“ur C‘ient (KYC) f“r Invest“r and the ”ers“n ’aking the payment

10.1.3.2. Obtaining necessary dec‘arati“n fr“’ the Invest“r/unit h“‘der and the ”ers“n ’aking the ”ay’ent. Dec‘arati“n by the ”ers“n ’aking the ”ay’ent sh“u‘d give detai‘s “f the bank acc“unt fr“’ which the ”ay’ent is ’ade and the re‘ati“nshi” with the beneiciary-10.1.3.3. Verifying the s“urce “f funds t“ ensure that funds have c“’e fr“’ the drawer s acc“unt “n‘y.10.2. In case “f invest’ent/subscri”ti“ns ’ade via Pay Order, De’and Draft, Banker s cheque, RTGS, NEFT, ECS, bank transfer, net banking etc. F“‘‘“wing additi“na‘ checks shall be carried out.

10.2.1. ‘f the invest’ent/subscri”ti“n is sett‘ed with ”re-funded instru’ents such as Pay Order, De’and Draft, Banker s cheque, etc.,a Certiicate fr“’ the Issuing banker ’ust acc“’”any the ”urchase a””‘icati“n, stating the Acc“unt h“‘der s na’e and the Acc“unt nu’ber which has been debited f“r issue “f the instru’ent. The funds sh“u‘d be debited fr“’ a ”re-registered ”ay in acc“unt avai‘ab‘e in the rec“rds “f the Mutua‘ fund, “r fr“’ the acc“unt “f the irst na’ed unit h“‘der. Additi“na‘‘y, if a ”re-funded instru’ent issued by the 6ank against cash, it sha‘‘ n“t be acce”ted f“r invest’ents “f Rs.50,000/- “r ’“re. Such ”refunded instru’ent issued against cash ”ay’ent “f ‘ess than Rs.50,000/- sh“u‘d be acc“’”anied by a certiicate fr“’ the banker giving na’e, address and PAN (if avai‘ab‘e) “f the ”ers“n wh“ has requested f“r the de’and draft.

10.2.2. If ”ay’ent is ’ade by RTGS, NEFT, ECS, bank transfer, etc., a c“”y “f the instructi“n t“ the bank stating the acc“unt nu’ber debited ’ust acc“’”any the ”urchase a””‘icati“n. The acc“unt nu’ber ’enti“ned “n the transfer instructi“n sh“u‘d be fr“’ ”ay in acc“unt avai‘ab‘e in the rec“rds, “r fr“’ the acc“unt “f the irst na’ed unit h“‘der. Invest“rs are requested t“ n“te that AMC reserves right t“ have additi“na‘ checks “f veriicati“n f“r any ’“de “f ”ay ’ent received. AMC reserves the right t“ reject the transacti“n in case the ”ay’ent is received in an acc“unt n“t be‘“nging t“ the irst unith“‘der “f the ’utua‘ fund.In case “f invest“rs with ’u‘ti”‘e acc“unts, in “rder t“ ensure s’““th ”r“cessing “f invest“r transacti“ns, it is advisab‘e t“ register a‘‘ such acc“unts, as the invest’ents/subscri”ti“ns received fr“’ the said ’u‘ti”‘e acc“unts sha‘‘‘jefreated as 1st ”arty ”ay’ents. Refer Third Party Pay’ent Dec‘arati“n f“r’ avai‘ab‘e in www.‘icn“’ura’f.c“’ “r LIC N“’ura Mutua‘ Fund branch “fices.10.3. The Mutua‘ Fund sha‘‘ ad“”t the f“‘‘“wing ”r“cedures t“ ascertain whether ”ay’ents are Third Party Pay’ents and invest“rs are theref“re required t“ c“’”‘y with the require’ents s”eciied herein be‘“w.10.4.1.Source of funds-if paid by cheque

Identiicati“n “f third ”arty cheques by the AMC/Mutua‘ Fund/ Registrar & Transfer Agent (R&TA) wi‘‘ be “n the basis “f ’atching the na’e / signature “n the invest’ent cheque with the na’e/ signature “f the irst na’ed a””‘icant avai‘ab‘e “n the a””‘icati“n “r in “ur rec“rds f“r the said f“‘i“. If the na’e “f the bank acc“unt h“‘der is n“t ”re- ”rinted “n the invest’ent cheque “r the signature “n the said cheque d“es n“t ’atch with that “f the irst na’ed a””‘icant ’enti“ned “n the a””‘icati“n / avai‘ab‘e in “ur rec“rds f“r the said f“‘i“, then the invest“r sh“u‘d sub’it any “ne “f the f“‘‘“wing d“cu’ents at the ti’e “f invest’ent:10.4.1.1. a c“”y# “f the bank ”assb““k “r a state’ent “f bank acc“unt having the na’e and address “f the acc“unt h“‘der and acc“unt nu’ber;10.4.1.2. a ‘etter* (in “rigina‘) fr“’ the bank “n its ‘etterhead certifying that the invest“r ’aintains an acc“unt with the bank, a‘“ng with inf“r’ati“n ‘ike bank acc“unt nu’ber, bank branch, acc“unt ty”e, the MICR c“de “f the branch & IFSC C“de (where avai‘ab‘e).


# Invest“rs sh“u‘d a‘s“ bring the “rigina‘ d“cu’ents a‘“ng with the d“cu’ents ’enti“ned in (a) ab“ve t“ the ISCs/Oficia‘ P“ints “f Acce”tance “f LIC NOMURA Mutua‘ Fund. The c“”y “f such d“cu’ents wi‘‘ be veriied with the “rigina‘ d“cu’ents t“ the satisfacti“n “f the AMC/ Mutua‘ Fund/R&TA. The “rigina‘ d“cu’ents wi‘‘ be returned acr“ss the c“unter t“ the invest“r after due veriicati“n.* In res”ect “f (b) ab“ve, it sh“u‘d be certiied by the bank ’anager with his / her fu‘‘ signature, na’e, e’”‘“yee c“de, ban k sea‘ and c“ntact nu’ber. Invest“rs sh“u‘d n“te that where the bank acc“unt nu’bers have changed “n acc“unt “f the i’”‘e’entati“n “f c“re banking syste’ at their banks, any re‘ated c“’’unicati“n fr“’ the bank t“wards a change in bank acc“unt nu’ber sh“u‘d acc“’”any the a””‘icati“n f“r’ f“r subscri”ti“n “f units. H“wever, f“r u”dati“n “f the changed bank detai‘s in the f“‘i“, the invest“r sh“u‘d f“‘‘“w the change “f bank detai‘s ”r“cess.The Mutua‘ Fund has a‘s“ ”r“vided a faci‘ity t“ the invest“rs t“ register ’u‘ti”‘e bank acc“unts. Invest“rs are requested t“ avai‘ the faci‘ity “f registering ’u‘ti”‘e bank acc“unts by itting in the 'Mu‘ti”‘e Bank Acc“unts Registrati“n F“r’' avai‘ab‘e at “ur Invest“r Service Centres (ISCs) “r “n “ur website www.‘icn“’ura’f.c“’.10.4.2.Source of funds - if funded by pre-funded instruments such as Pay Order, Demand Draft, Banker's cheque etc

Invest“rs sh“u‘d attach any “ne “f the f“‘‘“wing su””“rting d“cu’ents with the ”urchase a””‘icati“n where subscri”ti“n f“r units is vide a ”re - funded instru’ent issued by way “f debit t“ his / her bank acc“unt: (i) a Certiicate (in “rigina‘] fr“’ the issuing banker du‘y certiied by the e’”‘“yee signing the ”re-funded instru’ent with his / her fu‘‘ signature, na’e, e’”‘“yee c“de, bank sea‘ and c“ntact nu’ber, stating the Acc“unt h“‘der's na’e, the Bank Acc“unt Nu’ber which has been debited f“r issue “f the instru’ent (Mandat“ry] and PAN as ”er bank rec“rds, if avai‘ab‘e (ii) a c“”y “f the ackn“w‘edge’ent fr“’ the bank, wherein the instructi“ns t“ debit carry the bank acc“unt detai‘s and na’e “f the invest“r as an acc“unt h“‘der are avai‘ab‘e (iii) a c“”y “f the ”assb““k/ bank state’ent evidencing the debit f“r issuance “f the instru’ent The acc“unt nu’ber ’enti“ned in the ab“ve su””“rting d“cu’ents sh“u‘d be the sa’e as / “ne “f the registered bank acc“unt “r the bank detai‘s ’enti“ned in the a””‘icati“n f“r’.10.4.3.Source of funds - if paid by RTGS, Bank Account-to-Account Transfer, NEFT, ECS, etc.

Invest“rs sh“u‘d attach t“ the ”urchase a””‘icati“n f“r’, an ackn“w‘edged c“”y “f the instructi“n t“ the bank a‘s“ stating the acc“unt nu’ber debited. The acc“unt nu’ber ’enti“ned “n the transfer instructi“n c“”y sh“u‘d be a registered bank acc“unt “r the irst na’ed a””‘icant/ invest“r sh“u‘d be “ne “f the acc“unt h“‘ders t“ the bank acc“unt debited for such electronic transfer of funds.

10.4.4. Source of funds - if paid by a pre-funded instrument issued by the Bank against Cash

The AMC/Mutua‘ Fund /R&TA wi‘‘ n“t acce”t any ”urchase a””‘icati“ns fr“’ invest“rs if acc“’”anied by a ”re-funded instru’ent issued by a bank (such as Pay Order, De’and Draft, Banker's cheque] against cash f“r invest’ents “f Rs. 50,000 “r ’“re. The invest“r sh“u‘d sub’it a Certiicate (in “rigina‘] “btained fr“’ the bank giving na’e, bank acc“unt nu’ber (Mandat“ry] and PAN as ”er the bank rec“rds, if avai‘ab‘e “f the ”ers“n wh“ has requested f“r the ”ay’ent inst ru’ent The said Certiicate sh“u‘d be du‘y certiied by the e’”‘“yee signing the ”re-funded instru’ent with his / her fu‘‘ signature, na’e, e’”‘“yee c“de, bank sea‘ and c“ntact nu’ber. The AMC / Mutua‘ Fund /R&TA wi‘‘ check that the na’e ’enti“ned in the Certiicate ’atches with the irst na’ed invest“r. The acc“unt nu’ber ’enti“n ed in the Certiicate sh“u‘d be the sa’e as / “ne “f the registered bank acc“unt “r the bank detai‘s ’enti“ned in the a””‘icati“n f“r’. LIC NOMURA Mutua‘ Fund/LIC NOMURA AMC reserves the right t“ seek inf“r’ati“n and /“r “btain such “ther additi“na‘ d“cu’ents/inf“r’ati“n fr“’ the invest“rs f“r identifying whether it is a third ”arty ”ay’ent. In case the Third Party Dec‘arati“n F“r’ is n“t attached and the s“urce “f ”ay’ent is n“t identiied, LIC NOMURA Mutua‘ Fund / LIC NOMURA AMC retains the s“‘e and abs“‘ute discreti“n t“ reject / n“t ”r“cess such A””‘icati“n and refund the subscri”ti“n ’“ney t“ the bank acc“unt fr“’ which the subscri”ti“n a’“unt was received and sha‘‘ n“t be ‘iab‘e f“r any such rejecti“n. 11. Communication to investor

If the invest“r(s) has/have ”r“vided his/their e’ai‘ address in the a””‘icati“n f“r’ “r any subsequent c“’’unicati“n in any “f the f“‘i“ be‘“nging t“ the invest“rs], LIC N“’ura Asset Manage’ent C“’”any reserves the right t“ use E‘ectr“nic Mai‘ (e’ai‘] as a defau‘t ’“de t“ send vari“us c“’’unicati“n which inc‘ude acc“unt state’ents f“r transactions done by the investor(s).

The invest“r(s) ’ay request f“r a ”hysica‘ acc“unt state’ent by writing “r ca‘‘ing LICNMFs Invest“r Service Center/ Registrar & Transfer Agent In case “f s”eciic request received fr“’ the invest“rs], LICNMF sha‘‘ endeav“r t“ ”r“vide the acc“unt state’ent t“ the invest“rs] within 5 w“rking days fr“’ the recei”t “ f such request.It is dee’ed that the Unit h“‘der is aware “f a‘‘ the security risks ass“ciated with “n‘ine c“’’unicati“n, inc‘uding the ”“ssibi‘ity “f third ”arty interce”ti“n “f the d“cu’ents sent via e’ai‘. The Mutua‘ Fund / Registrars are n“t res”“nsib‘e f“r e’ai‘ n“t reaching the invest“r and f“r ai‘ c“nsequences there“f. The Invest“r sha‘‘ fr“’ ti’e t“ ti’e inti’ate the Mutua‘ Fund / its transfer agents ab“ut any changes in the e’ai‘ address. In case “f a ‘arge d“cu’ent, a suitab‘e ‘ink w“u‘d be ”r“vi ded and invest“r can d“wn‘“ad, save and ”rint these d“cu’ents. H“wever, the invest“r a‘ways has a right t“ de’and a ”hysica‘ c“”y “f any “r a‘‘ the service de‘iverab‘es, and the Fund w“u‘d arrange t“ send the same to the investor.

If the units are he‘d in De’at ’“de then the state’ent “f h“‘ding “f the beneiciary acc“unt h“‘der f“r units he‘d in De’at wi‘‘ be sent by the res”ective DPs ”eri“dica‘‘y. 12. Mode of Payment of Redemption / Dividend Proceeds-via Direct Credit / NEFT / ECS/Direct Credit

12.1 Direct Credit: The AMC has entered int“ arrange’ents with s“’e banks t“ faci‘itate direct credit “f rede’”ti“n and dividend ”r“ceeds (if any) int“ the bank acc“unt “f the res”ective Unit h“‘ders ’aintained with any “f these banks. The ‘ist “f banks is subject t“ change fr“’ ti’e t“ ti’e. F“r the ‘ist ”‘ease visit www.‘icn“’ura’f.c“’ 12.2. National Electronic Funds Transfer (NEFT]

12.2.1. The AMC ”r“vides the faci‘ity “f 'Nati“na‘ E‘ectr“nic Funds Transfer (NEFT) “ffered by Reserve Bank “f India(RB‘), which ai’s t“ ”r“vide credit “f rede’”ti“n and dividend ”ay“uts (if any) direct‘y int“ the bank acc“unt “f the Unit h“‘der ’aintained with the banks(”artici”ating in the NEFT Syste’). Unit h“‘ders can check the ‘ist “f banks ”artici”ating in the NEFT Syste’ fr“’ the RBI website i.e. www.rbi.“rg.in “r c“ntact any “f “ur Invest“r Service Centres.12.2,2. H“wever, in the event “f the na’e “f Unit h“‘der's bank n“t a””earing in the List “f Banks ”artici”ating in NEFT u”dated “n RBI website www.rbi.“rg.in, fr“’ ti’e t“ ti’e, the instructi“ns “f the Unit h“‘der f“r re’ittance “f rede’”ti“n/ dividend (if any) ”r“ceeds via NEFT Syste’ wi‘‘ be disc“ntinued by LIC NOMURA Mutua‘ Fund / LIC NOMURA Asset Manage’ent C“’”any Li’ited with“ut ”ri“r n“tice t“ the Unit h“‘der and the ”ay“uts “f rede’”ti“n / dividend (if any) ”r“ceeds sha‘‘ be effected by sending the Unit h“‘der(s) a cheque / de’and draft12.2.3. F“r ’“re detai‘s “n NEFT “r f“r frequent‘y asked questi“ns^FAQs] “n NEFT, Unit h“‘ders are advised t“ visit the RBI website www.rbi.“rg.in.13. Electronic Clearing Service (ECS}

13.1. ‘nvest“rs wh“ have “”ted f“r the ECS faci‘ity “f RBI f“r dividend ”ay’ent wi‘‘ receive a direct credit “f the a’“unt due t“ the’ in their ’andated acc“unt whenever the ”ay’ent is ’ade thr“ugh ECS. A se”arate advice regarding credit “f a’“unt(s) via ECS wi‘‘ be sent t“ the unit h“‘der. It sh“u‘d be n“ted that whi‘e the Mutua‘ Fund wi‘‘ ’ake a‘‘ efforts, there is no commitment that this facility will be made available to all desirous investors.

13.2. A””‘icants in cities n“t c“vered under ECS faci‘ity wi‘‘ receive dividend ”ay’ents, if any by cheques “r de’and drafts and the sa’e wi‘‘ be ’ai‘ed t“ the Unit h“‘ders. P‘ease n“te that the ECS Faci‘ity is avai‘ab‘e “n‘y in res”ect “f dividend ”ay’ents and n“t in the case “f rede’”ti“n “f Units.13.3. Theref“re, the Invest“rs wi‘‘ receive their rede’”ti“n / dividend ”r“ceeds (if any) direct‘y int“ their bank acc“unts in the f“‘‘“wing “rder:13.3.1. ‘n case the bank acc“unt “f an invest“r is c“vered under Direct Credit faci‘ity then the ”ay’ent “f rede’”ti“n / dividend ” r“ceeds (if any) wi‘‘ ha””en via direct credit ”ay“ut ’“de “n‘y. Invest“rs having these bank acc“unts wi‘‘ n“t receive ”ay“uts via NEFT/ECS13.3.2. In case the bank acc“unt “f an invest“r is n“t c“vered under Direct Credit faci‘ity but c“vered under NEFT syste’ “ffered by the RBI then the ”ay’ent “f rede’”ti“n / dividend ”r“ceeds (if any) sha‘‘ be effected via NEFT ’echanis’ “n‘y.13.3.3. The faci‘ity f“r ”ay’ent “f dividend ”r“ceeds, if any via ECS sha‘‘ be affected “n‘y in case the bank acc“unt “f an invest“r is n“t c“vered under the Direct Credit faci‘ity “r NEFT syste’. LIC NOMURA Asset Manage’ent C“’”any Li’ited / LIC NOMURA Mutua‘ Fund sha‘‘ n“t be he‘d ‘iab‘e f“r any ‘“sses/ c‘ai’s, etc. arising “n acc“unt “f ”r“cessing the direct credit “r credit via NEFT/ECS “f rede’”ti“n / dividend ”r“ceeds “n the basis “f Bank Acc“unt detai‘s as ”r“vided by the unit h“‘der in the A””‘icati“n F“r’. Unit h“‘ders are required t“ attach the cance‘‘ed cheque “f the ”ay“ut bank f“r veriicati“n. (If the sa’e is different fr“’ the invest’ent cheque)'14. Dematerialization

14.1. Invest“rs have an “”ti“n t“ h“‘d the Units in de ’ateria‘ized f“r’. Current‘y, this faci‘ity is n“t avai‘ab‘e in case “f units “ffered under the D a i ‘ y / W e e k ‘ y / F “ r t night‘yDividend O”ti“n(s) and a‘s“ f“r LICNMF Unit Linked Insurance Sche’e. Invest“rs desiring t“ get a‘‘“t’ent “f units in de’at ’“de ’ust have a beneiciary acc“unt with a De”“sit“ry Partici”ant (DP) “f the De”“sit“ries i.e. Nati“na‘ Securities De”“sit“ries Li’ited (NSDL) / Centra‘ De”“sit“ry Services Li’ited (CDSL),14.2. If PAN is n“t ’enti“ned by a””‘icants, the a””‘icati“n is ‘iab‘e t“ be rejected. Invest“rs ’ay attach a c“”y “f the C‘ient Ma ster F“r’ / DP state’ent sh“wing active de’at acc“unt detai‘s f“r veriicati“n.Na’es, ’“de “f h“‘ding, PAN detai‘s, etc. “f the Invest“r wi‘‘ be veriied against the De”“sit“ry data. The units wi‘‘ be credited t“ the beneiciary (de’at) acc“unt “n‘y after successfu‘ veriicati“n with the de”“sit“ry rec“rds and rea‘izati“n “f ”ay’ent In case the de’at detai‘s ’enti“ned in the a””‘icati“n are inc“’”‘ete/inc“rrect “r d“ n“t ’atch with the de”“sit“ry data, the a””‘icati“n sha‘‘ be treated as inva‘id f“r ”r“cessing und er de’at ’“de and theref“re ’ay be c“nsidered f“r ”r“cessing in n“n-de’at f“r’ i.e. in ”hysica‘ ’“de if the a””‘icati“n is “therwise va‘id.14.3. A‘‘ detai‘s such as address, bank detai‘s, n“’inati“n etc. wi‘‘ be a””‘icab‘e as avai‘ab‘e in the de”“sit“ries' rec“rds. F“r effecting any subsequent changes t“ such inf“r’ati“n, Invest“rs sh“u‘d a””r“ach their DP. Rede’”ti“n requests f“r units he‘d in de’at ’“de ’ust be sub’itted t“ DP “r thr“ugh St“ck Exchange P‘atf“r’, as a””‘icab‘e. H“‘ding / transacting “f units he‘d in de’at ’“de sha‘‘ be in acc“rdance with the ”r“cedures / require’ents ‘aid d“wn by the De”“sit“ries, viz. NSDL/ CDSL in acc“rdance with the ”r“visi“ns under the De”“sit“ries Act, 1996 and the regu‘ati“ns thereunder.15. Signatures

15.1. Signature(s) sh“u‘d be in Eng‘ish “r in any indian Language, A””‘icati“ns “n beha‘f “f ’in“rs sh“u‘d be signed by their Guardian, in case “f a HUF, the Karta sh“u‘d sign the A””‘icati“n F“r’ “n beha‘f “f the HUF.


15.2. 1f y“u are investing thr“ugh y“ur C“nstituted Att“rney, ”‘ease ensure that the P“wer “ f Att“rney is signed by y“u and y“ur C“nstituted Att“rney. The signature in the A””‘icati“n F“r’ then needs t“ c‘ear‘y indicate that the signature is “n beha‘f “f the a””‘icant by the C“nstituted Att“rney then the f“r’ sh“u‘d be acc“’”anied by a n“tarised ”h“t“c“”y “f the P“A. A‘ternative‘y, the “rigina‘ P“A ’ay be sub’itted, which wi‘‘ be returned after veriicati“n. If the P“A is n“t sub’itted with the a””‘icati“n, the A””‘icati“n F“r’ wi‘‘ be rejected.15.3. Thu’b i’”ressi“ns ’ust be attested by a Magistrate “r a N“tary Pub‘ic “r a S”ecia‘ Executive Magistrate under his/her “ficia‘ sea‘.16. Nomination:

16.1. N“’inati“n ensures a‘‘ rights and/“r a’“unt(s) ”ayab‘e in res”ect “f the h“‘dings in Sche’es “f LIC NOMURA Mutua‘ Fund w“u‘d vest in and be transferred t“ the n“’inee u”“n death “f the Unit h“‘der. The n“’inee receives the units “n‘y as agent and trustee f“r the ‘ega‘ heirs “r ‘egatees as the case ’ay be. Invest“rs sh“u‘d “”t f“r the nomination facility to avoid hassles a»d inconveniences in case of unforeseen events in future.

16.2. N“’inati“n by a unit h“‘der sha‘‘ be a””‘icab‘e f“r invest’ents in a‘‘ sche’es in the f“‘i“ “r acc“unt16.3. Every new n“’inati“n f“r a f“‘i“/acc“unt wi‘‘ “verwrite the existing n“’inati“n. N“’inati“n wi‘‘ be subject t“ the ”r“visi“ns “f the Sche’e Inf“r’ati“n D“cu’ent16.4. N“’inati“n sha‘‘ be ’andat“ry f“r new f“‘i“s/acc“unts “”ened by an individua‘ es”ecia‘‘y with s“‘e h“‘ding and n“ new f“‘i“s/acc“unts f“r Individua‘s (with s“‘e h“‘ding) w“u‘d be “”ened with“ut n“’inati“n. H“wever, invest“rs wh“ d“ n“t wish t“ n“’inate ’ust sign se”arate‘y c“nir’ing their n“n -intenti“n t“ n“’inate. In case n“’inati“n/n“n-intenti“n t“ n“’inate is n“t ”r“vided by Individua‘ (with s“‘e h“‘ding), the a””‘icati“n is ‘iab‘e t“ be rejected.16.5. The n“’inati“n can be ’ade “n‘y by individua‘s a””‘ying f“r/ h“‘ding units “n their “wn beha‘f sing‘y “r j“int‘y. Karta “f Hindu undivided fa’i‘y, h“‘der “f P“wer of Attorney cannot nominate.

16.6. N“’inati“n sha‘‘ n“t be a‘‘“wed in a f“‘i“ he‘d “n beha‘f “f a ’in“r. In case a f“‘i“ has j“int h“‘ders, a‘‘ j“int h“‘ders sh“u‘d sign the request f“r n“’inati“n/cance‘‘ati“n “f n“’inati“n, even if the ’“de “f h“‘ding is n“t j“int .16.7. Min“r(s) can be n“’inated and in that event, the na’e, address and signature “f the guardian “f the ’in“r n“’inee(s) sha‘‘ be ”r“vided by the unith“‘der. N“’inati“n can a‘s“ be in fav“ur “f the Centra‘ G“vern’ent, State G“vern’ent, a ‘“ca‘ auth“rity, any ”ers“n designated by virtue “f his “fice “r a re‘igi“us “r charitab‘e trust16.8. The N“’inee sha‘‘ n“t be a trust (“ther than a re‘igi“us “r charitab‘e trust), s“ciety, b“dy c“r”“rate, ”artnershi” ir’, karta “f Hindu undivided fa’i‘y “r a P“wer “f Att“rney h“‘der. A n“nresident Indian can be a N“’inee subject t“ the exchange c“ntr“‘s in f“rce, fr“’ ti’e t“ ti’e.16.9. N“’inati“n in res”ect “f the units stands rescinded u”“n the transfer “f units. TransFer “f units in fav“ur “f N“’inee(s) sha‘‘ be va‘id discharge by the AMC against the ‘ega‘ heirs.16.10. Cance‘‘ati“n “f n“’inati“n can be ’ade “n‘y by th“se individua‘s wh“ h“‘d units “n their “wn beha‘f sing‘y “r j“int‘y and wh“ ’ade the “rigina‘ n“’inati“n.16.11. On cance‘‘ati“n “f the n“’inati“n, the n“’inati“n sha‘‘ stand rescinded and the AMC sha‘‘ n“t be under any “b‘igati“n t“ transfer the units in fav“ur “f the N“’inee(s).16.12. N“’inati“n can be ’ade f“r ’axi’u’ nu’ber “f three n“’inees. In case “f ’u‘ti”‘e n“’inees, the ”ercentage “f a‘‘“cati“n/share in fav“ur “f each “f the n“’inees sh“u‘d be indicated against their na’e and such a‘‘“cati“n/share sh“u‘d be in wh“‘e nu’bers with“ut any deci’a‘s ’aking a t“ta‘ “f 100 ”ercent16.13. In the event “f the Unith“‘ders n“t indicating the ”ercentage “f a‘‘“cati“n/share f“r each “f the n“’inees, LIC NOMURA Mutua‘ Fund/ LIC NOMURA Asset Manage’ent C“’”any Li’ited (AMC), by inv“king defau‘t “”ti“n sha‘‘ sett‘e the c‘ai’ equa‘‘y a’“ngst a‘‘ the n“’inees.16.14. In case “f invest“rs “”ting t“ h“‘d the Units in de’at f“r’, the n“’inati“n detai‘s ”r“vided by the invest“r t“ the de”“sit“ry ”artici”ant wi‘‘ be a””‘icab‘e.17. Permanent Account N umber:

17.1. SEBI has ’ade it ’andat“ry f“r a‘‘ a””‘icants (in the case “f a””‘icati“n in j“int na’es, each “f the a””‘icants) t“ ’enti“n his/her ”er’anent acc“unt nu’ber (PAN) irres”ective “f the a’“unt [Exce”t as given be‘“w]. Where the a””‘icant is a ’in“r, and d“es n“t ”“ssess his / her “wn PAN, he / she sha‘‘ qu“te the P AN “f his/ her father “r ’“ther “r the guardian, as the case ’ay be. H“wever, PAN is n“t ’andat“ry in the case “f Centra‘ G“vern’en t. State G“vern’ent entities and the “ficia‘s a””“inted by the c“urts e.g. Oficia‘ ‘iquidat“r, C“urt receiver etc (under the categ“ry “f G“vern’ent) f“r transacting in the securities ’ark et PAN card c“”y is n“t required se”arate‘y if KYC ackn“w‘edge’ent ‘etter is ’ade avai‘ab‘e. LIC NOMURA Mutua‘ Fund reserves the right t“ ascertain the status “f such entities with adequate su””“rting d“cu’ents. A””‘icati“ns n“t c“’”‘ying with the ab“ve require’ent ’ay n“t be acce”ted/ ”r“cessed.17.2. PAN Exempt Investments;

SEBI vide its circu‘ar dated Ju‘y 24,2012 has c‘ariied that invest’ents in ’utua‘ funds sche’es (inc‘uding invest’ents in SIPs) “f u”t“ Rs.50,000 ”er invest“r ”er year acr“ss a‘‘ sche’es “f the Fund sha‘‘ be exe’”t fr“’ the require’ent “f PAN. Acc“rding‘y, individua‘s (inc‘uding J“int H“‘ders wh“ are individua‘s, NR‘s but n“t P‘Os, Min“rs} and S“‘e ”r“”rietary ir’s wh“ d“ n“t ”“ssess a PAN ( E‘igib‘e Invest“rs )* are exe’”t fr“’ sub’issi“n “f PAN f“r invest’ents u”t “ Rs.50,000 in a r“‘‘ing 12 ’“nth ”eri“d “r in a inancia‘ year i.e. A”ri‘ t“ March. H“wever, e‘igib‘e Invest“rs are required t“ underg“ Kn“w Y“ur Cust“’er (KYC) ”r“cedure with any “f the SEBI registered KYC Registrati“n Auth“rities (KRA). E‘igib‘e Invest“rs ’ust qu“te PAN Exe’”t KYC Reference Nu’ber (PEKRN) issued by the KRA under the KYC ackn“w‘edge’ent ‘etter in the a””‘icati“n f“r’ and sub’it a c“”y there“f a‘“ng with the a””‘icati“n f“r’. In case the a””‘icant is a ’in“r^PAN /PEKRN detai‘s “f the C uardian sha‘‘ be sub’itted, as a””‘icab‘e. E‘igib‘e Invest“rs (i.e. the First H“‘der) ’ust n“t ”“ssess a PAN at the ti’e “f sub’issi“n “f a””‘icati“n f“r’. E‘igib‘e invest“rs ’u st h“‘d “n‘y “ne PEKRN issued by any “ne “f the KRAs. If an a””‘icati“n f“r invest’ent t“gether within invest’ents ’ade in a r“‘‘ing 12 ’“nth ”eri“d “r in a inancia‘ year exceeds Rs.50,000, such an a””‘icati“n wi‘‘ be rejected. Fresh / Additi“na‘ Purchase and Syste’atic Invest’ent P‘ans wi‘‘ be c“vered in the ‘i’it “f Rs.50,000. Invest“rs ’ay switch their invest’ents t“ “ther Sche’es. H“wever, if the a’“unt ”er switch transacti“n is Rs.50,000 “r ’“re, in acc“rdance with the extant Inc“’e Tax ru‘es, invest“rs wi‘‘ be required t“ furnish a c“”y “f PAN t“ the Mutua‘ Fund.The detai‘ed ”r“cedures / require’ents f“r acce”ting a””‘icati“ns sha‘‘ be as s”eciied by the AMC/Trustee fr“’ ti’e t“ ti’e and their decisi“n in this beha‘f wi‘‘ be ina‘ and binding.* HUFs and “ther categ“ries are n“t e‘igib‘e f“r such invest’ents. 18. Prevention of Money Laundering

SEBI vide its circu‘ar reference nu’ber 1SD/CIR/RR/AML/1/06 dated January 18, 2006 and “ther circu‘ars issued fr“’ ti’e t“ ti’e, ’andated that a‘‘ inter’ediaries inc‘uding Mutua‘ Funds sh“u‘d f“r’u‘ate and i’”‘e’ent a ”r“”er ”“‘icy fra’ew“rk as ”er the guide‘ines “n anti ’“ney ‘aundering ’easures and a‘s“ t“ ad“”t a Kn“w Y“ur Cust“’er (KYC) ”“‘icy.The Invest“r(s) sh“u‘d ensure that the a’“unt invested in the Sche’e is thr“ugh ‘egiti’ate s“urces “n‘y and d“es n“t inv“‘ve and is n“t designated f“r the ”ur”“se “f any c“ntraventi“n “r evasi“n “f the ”r“visi“ns “f the Inc“’e Tax Act, Preventi“n “f M“ney Laundering Act (PMLA), Preventi“n “f C“rru”ti“n Ac t and / “r any “ther a””‘icab‘e ‘aw in f“rce and a‘s“ any ‘aws enacted by the G“vern’ent “f India fr“’ ti’e t“ ti’e “r any ru‘es, regu‘ati“ns, n“tiicati“ns “r directi“ns issued thereunder.T“ ensure a””r“”riate identiicati“n “f the Invest“r(s) and with a view t“ ’“nit“r transacti“ns f“r the ”reventi“n “f ’“ney ‘aundering, LIC NOMURA Asset Manage’ent C“’”any Li’ited (LIC NOMURA AMC) / LIC NOMURA Mutua‘ Fund reserves the right t“ seek inf“r’ati“n, rec“rd invest“r s te‘e”h“nic ca‘‘s and “r “btain and retain d“cu’entati“n f“r estab‘ishing the identity “f the Invest“r(s), their beneicia‘ “wnershi”, ”r““f “f residence, s“urce “f fun ds, etc. It ’ay re-verify identity and “btain any inc“’”‘ete “r additi“na‘ inf“r’ati“n f“r this ”ur”“se, LIC NOMURA Mutua‘ Fund, LIC NOMURA AMC, LIC NOMURA Trustee C“’”any Li’ited ( LIC NOMURA Trustee ) and their Direct“rs, e’”‘“yees and agents sha‘‘ n“t be ‘iab‘e in any ’anner f“r any c‘ai’s arising whats“ever “n acc“unt “f freezing the f“‘i“s/rejecti“n “f any a””‘icati“n / a‘‘“t’ent “f Units “r ’andat“ry rede’”ti“n “f Units due t“ n“n c“’”‘iance with the ”r“visi“ns “f the PMLA, SEB1/AMF1 circu‘ar (s) and KYC ”“‘icy and / “r where the AMC be‘ieves that transacti“n is sus”ici“us in nature within the ”urview “f the.j>M&A and SEBI/AMFI circu‘ars) and re”“rting the sa’e t“ F1U-IND.19. Know Your Customer (KYC) Compliance:

19.1. Units held in account statement (non-demat) form

Invest“rs sh“u‘d n“te that it is ’andat“ry f“r a‘‘ ”urchases/ switches/ registrati“ns f“r Syste’atic Invest’ent P‘an (SIP)/ Syste’atic Transfer P‘an (STP)/F‘ex STP/ F‘exindex P‘an/ Dividend Transfer P‘an (DTP) t“ qu“te the KYC C“’”‘iance Status “f each a””‘icant (guardian in case “f ’in“r) in the a””‘icati“n and attach ”r““f “f KYC C“’”‘iance viz. KYC Ackn“w‘edge’ent Letter. A””‘icants intending t“ a””‘y f“r units thr“ugh a P“wer “f Att“rney (P“A) ’ust ensure that the issuer “f the P“A and the h“‘der “f the P“A ’ust ’enti“n their KYC C“’”‘iance Status and attach ”r““f “f KYC C“’”‘iance at the ti’e “f invest’entWith effect fr“’ January 1,2012, SEBI has intr“duced a c“’’“n KYC A””‘icati“n F“r’ f“r a‘‘ the SEBI registered inter’ediarie s. New invest“rs are theref“re requested t“ use the c“’’“n KYC A””‘icati“n F“r’ and carry “ut the KYC ”r“cess inc‘uding In-Pers“n Veriicati“n (IPV) with any SEBI registered inter’ediaries inc‘uding ’utua‘ funds. The KYC A””‘icati“n F“r’s are a‘s“ avai‘ab‘e “n “ur website www.‘icn“’ura’f.c“’. Existing KYC c“’”‘iant invest“rs “f LIC NOMURA Mutua‘ Fund can c“ntinue the ”ractice “f ”r“viding KYC Ackn“w‘edge’ent Letter/ Print“ut “f KYC C“’”‘iance Status d“wn‘“aded fr“’ CDSL Ventures Ltd. (CVL) website (www.cv‘india.c“’) using the PAN at the ti’e “f invest’ent Once the invest“r has d“ne KYC with any SEBI registered inter’ediary, the invest“r need n“t underg“ the s a’e ”r“cess again with LIC NOMURA Mutua‘ Fund. H“wever, the Mutua‘ Fund reserves the right t“ carry “ut fresh KYC “f the invest“r.19.2. Units held in electronic (demat) form

F“r units he‘d in de’at f“r’, the KYC ”erf“r’ed by the De”“sit“ry Partici”ant “f the a””‘icants wi‘‘ be c“nsidered as KYC veriicati“n d“ne by the Trustee / AMC. In the event “f n“n c“’”‘iance “f KYC require’ents, the Trustee/AMC reserves the right t“ freeze the f“‘i“ “f the invest“rs) and effect ’andat“ry rede’”ti“n “f unit h“‘dings “f the invest“rs at the a””‘icab‘e NAV, subject t“ ”ay’ent “f exit ‘“ad, if any .“n “ur website www.‘icn“’ura’f.c“’ .



LIC Nomura MF AMC Area Offices - Official Point of Acceptance

AHMEDABAD Jeevan Sadan , Opp Capital Commercial Centre, Asram Road, Ahmedabad-380006 (079 -26588301 /

65431989 /9375090006) BANGALORE - 4, Canara building, Opp. Cash Pahrmacy, 2nd floor, Residency Road,

BANGALORE – 560 025 (080-22210180 / 22295598 / 9845280964) CHANDIGARH -SCO 20-30, Jeevan Prakash

Building, Ground Floor, Sector 17-B CHANDIGARH. PIN CODE: 160017 (0172-4622030 / 9888111190) CHENNAI -

15, Anna Salai, Next to V G P Building, Chennai-600002 (044 - 28411984 / 28555883 /9940178266) DELHI -Jeevan

Prakash, 25, K G Marg, New Delhi-110001(011 - 23359190/23314396/64663650/ 9811464244 ) ERNAKULAM-11th

floor, Jeevan Prakash, LIC Divisional Office, M G Road,Ernakulam -(0484 – 2367643/9895036554 )- HUBLI - C/OLIC

Branch Office No 1, Lamington Road, Beside HPO, Hubli-580020 (0836-4260523 /9880058223) HYDERABAD -House

No.5-9-57,4th floor Jeevan Jyothi Bldg, Baseerbagh, Hyderabad-500029 (040 - 23244445 / 23210572 /8897656665 )

INDORE - U V Business Centre, 1st floor, 9/1-A, Tukoganj, Indore-452001 (0731 – 2520262 /9584028359 ) JAIPUR-

327-A,3rd floor,anapati Plaza, M I Road, Jaipur-1 (0141 – 5112620 /7023953465 ) KANPUR- Jeevan Vikas, 16/98, M G

Road Kanpur-208001 (0512 - 2360240 / 3244949/ 7275430214 ) KOLKATA- Hindustan Bldg, Gr floor, 4, Chittaranjan

Avenue,Kolkata-700072(033 – 22129455 /9474424374 ) LUCKNOW-Jeevan Bhavan-2, 7th floor, Naval Kishore

Road,Hazratganj, Lucknow-226001 (0522-2231186/4045203 / 9651534267 ) MADURAI-LIC Building, 2nd floor, No-

3,West Market Street, Madurai-625001 (0452-2345700/ 9677025698 ) MUMBAI-Gr Floor,Industrial Assurance

Building,Opp Churchgate Station, Churchgate, Mumbai (022 - 22885971 / 55719750 /9930718555) NAGPUR- Jeevan

Seva Bldg,Mount Road,Sadar, Nagpur-440001 (0712-2542497/9422113800 ) NASIK-Shop No-02Ground floor, Rajeev

Enclave,New Pandit Colony, Nashik-422002(0253 – 2579507/ 9922996155) PATNA- Gr Floor,Jeevan Jyothi,

Exhibition Road, Patna-800001 (0612 -2501157/6452757/ 8252562400) PUNE-C/o LIC of India, 2nd floor,IT deptt,

Jeevan Prakash, 6/7 Shivaji Nagar, University Road, Pune- 411005 (020-25537301/9325523480 ) RAIPUR-C-29/A,

Sector 1,Beside City Center Mall, Devendra Nagar, Raipur-492001 (0771 - 2236780 /4051137/9937040031/

9425535664) RAJKOT-Jeevan Prakash,LIC Office Building, Tagore Marg, Rajkot-360002 (0281-2461522 / 8690444022

) RANCHI-2nd floor, Narsaria Tower, Opp. Lalpur P. S., Ranchi-834001(0651 - 2206372 / 8986771069).

Karvy - Official Point of Acceptance

Agartala: Bidurkarta Chowmuhani, J N Bari Road, Tripura (West), Agartala, Tripura -799001 (9862029365,-,0381- Agra: St Floor, Deepak Wasan Plaza, Behind (oliday )nn , Opp Megdoot Furnitures, Sanjay Place , Agra,Uttar Pradesh - , , Ahmedabad: / Shail Complex, Opp: Madhusudan (ouse, B/( Girish Cold Drink , Off C G Road, Navrangpura ,Ahmedabad,Gujarat-380006

(8140670181,9375127799,079-65445550,079- Ajmer: S.No. & , nd Floor , Ajmer Tower, Kutchery Road, Ajmer, Rajasthan- 305001 (9982338657, 8769397108,0145-5120725,0145- Akola: Yamuna Tarang Complex, Shop No , , Ground Floor, N.(. No- , Murtizapur Road , Opp Radhakrishna Talkies, Akola, Maharashthra-

444004 (9767930094, 9767930094, 0724-2451874) Aligarh: 1St Floor, Kumar Plaza, Aligarh, Uttar Pradesh-202001

(9897518566,-, Allahabad: Rsa Towers, Nd Floor , Above Sony TV Showroom, , , S P Marg, Civil Lines , Allahabad, Uttar Pradesh-211001 (9621968292,-, Alleppy: X V , Jp Towers , Mullackal, Ksrtc Bus Stand, Alleppy, Kerala - , Alwar: ,Saurabh Tower , Opp. Uit, Near Bhagat Singh Circle , Road No. , Alwar, Rajasthan- 301001 (9785791578, 9667486970, 0144-3291200, 0144-3291300) Amaravathi: Shop No. , nd Floor , Gulshan Tower, , Near Panchsheel Talkies, Jaistambh Square, Amaravathi, Maharashthra -444601 (9922039981, 9922039981, 0721-3291081, 0721- Ambala: , , Nicholson Road, Adjacent Kos Hospitalambala Cant, Ambala, Haryana-133001 (9416916266,-, 9315017301) Amritsar: 72-A, Taylor S Road, Opp Aga (eritage Club, Amritsar, Punjab - 143001 (9814439422, 9988273070, 0183-5053802) Anand:

B-42 Vaibhav Commercial Center, Nr Tvs Down Town Shrow Room, Grid Char Rasta , Anand, Gujarat-380001 , Ananthapur: # / , St Floor , S R Towers, Subash Road , Opp. To Lalitha Kala


Parishad, Anantapur, Andhra Pradesh-515001 (9908323683, 9966259531, 08554-244449) Ankleshwar: L/2 Keval

Shopping Center, Old National Highway, Ankleshwar, Ankleshwar, Gujarat - 393002 (02646 645326,, 02646 645326) Asansol: / G T Road, Near Sony Centre, Bhanga Pachil ,-, Asansol, West Bengal -713303 (9002803986,

956312499, 0341-3266507) Aurangabad: Ramkunj Niwas , Railway Station Road, Near Osmanpura Circle,

Aurangabad, Maharashthra- 431005(9604396113,9604396113,0240-2343414,0240-2343414) Azamgarh: 1St Floor,

Alkal Building, Opp. Nagaripalika Civil Line, Azamgarh, Uttar Pradesh-276001 (8004781413,-,9307910001)

Malleshwaram, Bangalore: No.337, Gf-3, Karuna Complex, Sampige Road, Opp: New Vegetable Market, Malleshwaram,

Bangalore - 560 003; Koramangala, Bangalore: No. 408, CITA Bldg, I Floor, Next To Vodafone Office , Koramangala,

Bangalore - 560 ; Bangalore: , ,Skanda puttanna Road, Basavanagudi, Bangalore, Karnataka- 560004

(9945814576,9611131412,080-26600785,080- / Balasore: M.S Das Street, Gopalgaon, , Balasore,Orissa ,Balasore,Orissa, , , , -260503, Bankura: Ambika Market Complex Ground Floor , Nutanganj, Post & Dist Bankura, ,-,Bankura, West Bengal-722101

(9434480586,8900337733,03242- Bareilly: St Floor, ,Civil Linesopp.(otel Bareilly Palace, Near Railway Station,Bareilly,Uttar Pradesh-243001 (9015316671,-, Barhampore Wb : Thakur Market Complex, Gorabazar ,Post Berhampore Dist Murshidabad, No Nayasarak Road,Barhampore Wb ,West Bengal- ,, Baroda: Sb- , Mangaldeep Complex, Opp. Masonic (all, , Productivity Road, Alkapuri, Baroda, Gujarat- 390007 (8238065427,8866180491,0265-6640870,0265-6640871) Begusarai: Near Hotel

Diamond Surbhi Complex,O.C Township Gate,Kapasiya Chowk,Begusarai,Bihar,851117,9534999935,-,9308793949

Belgaum: Cts No 3939/ A2 A1,Above Raymonds Show Room |Beside Harsha Appliances,Club Road, Belgaum

,Karnataka- , , Bellary: No. , Khb Colony , Gandhi Nagar, ,-,Bellary,Karnataka -583103 (9742612169, 7204808722, 08392 – 254750) Berhampur (Or): Opp –Divya Nandan Kalyan Mandap, rd Lane Dharam Nagar, ,Near Lohiya Motor, Berhampur Or ,Orissa-

760001(9937447449,9853333217,0680- Betul: , St Floor, (otel Utkarsh ,| J. H. College Road ,-

,Betul,Madhya Pradesh-460001(9981776781,9981776781,07141- Bhagalpur: nd Floor, Chandralok Complex, Ghantaghar ,Radha Rani Sinha Road,Bhagalpur,Bihar-812001 (9905788640,8092825227,9386256100)

Bharuch: Shop No 147-148,Aditya Complex,Near Kasak Circle,Bharuch,Gujarat-392001 (9033936167,02642-

225022,02642-225022) Bhatinda: #2047-A 2Nd Floor,The Mall Road,Above Max New York Life Insurance, New

Delhi,Punjab-151001 (7837112112,9988270340,0164- Bhavnagar: Krushna Darshan Complex, Parimal Chowk , Office No. - , Rd Floor ,Above Jed Blue Show Room,Bhavnagar,Gujarat-364002(9624542735,,0278- Bhilai: Shop No - , First Floor , Plot No - , Commercial Complex ,Nehru Nagar- East,Bhilai, Chatisgarh-

490020 (9300051444,9424106597,0788-2295999,0788-2295332) Bhilwara: Shop No. 27- , St Floor, Heera Panna Market , Pur Road, Bhilwara, Rajasthan-311001 (9251817523,9928484514,01482-246362,01482-246364) Bhopal: Kay Kay Business Centre, , Zone ), Mp Nagar , Above City Bank, Bhopal,Madhya Pradesh-

462011(9630030107,0755-4092711,0755-4092712,0755-409 Bhubaneswar: A/ , Back Side Of Shivam (onda Show Room , Saheed Nagar,-,Bhubaneswar, Orissa-751007(9777457817,9777457817,0674-6534585) Bikaner:

- , nd Floor | Dr.Chahar Building ,Panchsati Circle,Sadul Ganj, Bikaner, Rajasthan-334001

(8302133850,9928811774,0151- Bilaspur: Shop No- & , St Floor, , V R Plaza, Link Road, Bilaspur, C.G. ,-,Bilaspur, Chatisgarh-495001 (9302502220, 9685516691, 07752- , Bhishm Bokaro : B-1, St Floor, City Centre, , Sector- , ,Near Sona Chandi Jwellars,Bokaro, Jharkhand-827004 (9431738862, 9430132980,

9204061959, 06542-233330/31) Burdwan: 63 Gt Road,Halder Complex 1St Floor,-,Burdwan,West Bengal,-

713101(9732145793,8145519142,0342-2665140) Calicut: Iind Floor Soubhagya Shopping

Complex,Arayidathpalam,Mavoor Road, Calicut,Kerala-673004(9846046903,9895407321,0495-4022480) Chandigarh:

Sco 2423-2424,01st Floor,Sector 22-C,Chandigarh,Union Territory-160022(9876669990,9850088371,0172-5042279) Chandrapur: Rauts Raghuvanshi Complex , Shop No-1 , Office No- , St Floor ,Beside Azad Garden Main Road, Chandrapur, Maharashthra-442402 (9730829616,9730829616,07172-270262,07172- Chennai: F-11, Akshaya Plaza, St Floor , , Adhithanar Salai , Egmore, Opp To Chief Metropolitan Court , Chennai, Tamil Nadu-

,600002 (9444790825,8939033711,044-42028512,044-42028513) T Nagar, Chennai: G1, Ground Floor, No 22,

Vijayaraghava Road, Swathi Court, T Nagar, Chennai - 600 017; Adayar, Chennai: New No 51, Gandhi Nagar, First Main

Road, Adyar, Chennai - 600 020; Annanagar, Chennai: T 92, Ground Floor, 3rd Avenue Main Road, Annanagar, Chennai -


; Chinsura : J C Ghosh Saranu, Bhanga Gara, Chinsurah, (ooghly ,-, Chinsurah,West Bengal-712101

(9804958032, 9831444407,033- Cochin: Ali Arcade, St Floor,Kizhavana Road , Panampilly Nagar,Near

Atlantis Junction,Ernakualm, Kerala-682036(9037765276, 8089580977, 0484 3000232,0484 3000231) Coimbatore: rd Floor, Jaya Enclave , Avinashi Road,-,Coimbatore,Tamil Nadu-641018 (9841439400, 9894941715,0422 -

4388011,0422 - 4388013/0422 - 4388451/0422 - 4388012/0422 – Cuttack: Po - Buxi Bazar, Cuttack, ,Opp Dargha Bazar Police station,Dargha Bazar,Cuttack,Orissa,753001,9438547866,9437317841,0-9238102118) Darbhanga: Jaya Complex, nd Floor , Above Furniture Planet,Donar ,Chowk,Darbhanga,Bihar, , 9304001509,-

,06272- Davangere: # / , st Floor, Sobagu Complex , nd Main Road Avk College Road P J Extension,-,Davangere,Karnataka-577002(9686246222,9880378880,0819-2258714) Dehradun: Kaulagarh Road, Near Sirmaur

Margabove,Reliance Webworld,Dehradun,Uttaranchal-248001 (9897208863,-,9369918608) Deoria: 1St Floor,1St Floor, Opp. Zila Panchayat, Civil Lines ,Deoria,Uttar pradesh-274001(8052969750,-,7499496134) Dewas: 27 Rmo

House,Station Road, Above Maa Chamunda Gaes Agency, Dewas, Madhya Pradesh-455001

(9425681359,9425681359,07272-426010,07272-426010) Dhanbad: 208 New Market 2Nd Floor, Bank More,-

,Dhanbad,Jharkhand-826001,9334341459,9608989334,0326- Dharwad: G, & Banashankari Avenue , Opp Nttf, , P B Road, ,Dharwad,Karnat ka-580001(9060509013,-,0836-2744207,0836-2744208) Dhule: Ground Floor )deal Laundry, Lane No , , Khol Galli, Near Muthoot Finance, , Opp Bhavasar General Store,Dhule,Maharashthra-424001 (7709818911,02562-282823,02562-282823,02562- Dindigul: No : Old No: /B, New Agraharam, , Palani Road, ,-,Dindigul,Tamil Nadu,624001,86955 72383,-,0451- 6451043) Durgapur:

,MWAV-16 BENGAL AMBUJA,2ND FLOOR CITY CENTRE,16 DT BURDWAN,Durgapur,West Bengal-

713216,9832176004,9800218548,0343- Eluru: D.No: B-5- / ,Savithri Complex,Edaravari Street , Near Dr.Prabhavathi (ospital,R.R.Pet ,-,Eluru, Andhra Pradesh-534002 (9959152347,08812-227851,08812-/ / Erode: No: , Veerappan Traders Complex, , KMY Salai, Sathy Road ,Opp. Erode Bus Stand, Erode, Tamil Nadu-638003(95005 48042,0424- Faridabad: A- B, )st Floor , Nehru Groundnit,Faridabad, (aryana-, Ferozpur: The Mall Road, Chawla Bulding, )st Floor, Opp. Centrail Jail, Near Hanuman Mandir, Ferozepur, Punjab-152002(7696769181,9814215464,01632-241814) Gandhidham: 204 2Nd Floor,

Bhagwati Chamber, Kutchkala Road,Gandhidham,Gujarat-382007 (8980671295,02836 651296) Gandhinagar: Plot No

- 945/2,Sector - 7/C,Opp Pathika, Gandhinagar, Gujarat-382007(079-23244955,079-23244955,079 232 44955) Gaya: St Floor Lal Bhawan, Tower Chowk, , Near Kiran Cinema,Gaya,Bihar-823001(9234644675,9852090691,0631- Ghaziabad: St Floorc- , ,Lohia Nagar,-,Ghaziabad,Uttar Pradesh-201001 (9910556029,-,9310448804)

Ghazipur: 2Nd Floor,Shubhra Hotel Complex, Mahaubagh, Ghazipur, Uttar Pradesh,233001, 9616123936,-

,7499496131) Gonda: Shri Market,Sahabgunj,Station Road,Gonda,Uttar Pradesh-271001(9721198488,-

,7499496127)Gorakhpur: Above V.I.P. Houseajdacent,A.D. Girls College, Bank Road, Gorakpur, Uttar Pradesh-

273001( 9792940256, , Gulbarga: Cts No St Floor, Asian Towers, Jagath Station Main Road , Next To Adithya (otel,Gulbarga,Karnataka-585105(9844148066,9972898664,0847-2310040) Guntur: D No 6-10- , Srinilayam , Arundelpet, / ,Guntur, Andhra Pradesh-522002(9985932781,9885427877,0863- Gurgaon: Shop No. , Ground Floor, Sector - ,Opp. Akd Tower,Near (uda Office,Gurgaon,(aryana-

122001(9210484530,-,9310448806) Guwahati: 54 Sagarika Bhawan Nd Floor, R G Barooah Road, Aidc , Near Baskin Robbins,Guwahati,Assam-781024(9706058003,-, Gwalior: nd Floor, Rajeev Plaza, , Jayendra Ganj, Lashkar ,-,Gwalior, Madhya Pradesh-474009 (9754515909, 9300004262) Haldwani: Above Kapilaz, Sweet House, Opp L)C Building ,Pilikothi ,(aldwani,Uttaranchal-263139(9012475475,-, (aridwar: , Govind Puri, Opp. LIC - ,Above Vijay Bank, Main Road, Ranipur More ,(aridwar,Uttaranchal-249401(9412926693,-,9369918612)

Hassan: St Anthony S Complex, Ground Floor, (.N. Pura Road, (assan , Karnataka-573201(9743929779,-,08172 (issar: Sco- , St Floor ,Red Square Market,-,Hissar,Haryana,125001,9991887653,-,9315017303, (oshiarpur: St Floor, The Mall Tower ,Opp Kapila Hospital, Sutheri Road, Hoshiarpur, Punjab-

146001(9478353322,9569690721,01882- (ubli: nd & rd, Rd Floor , Eureka Junction,Travellers Bunglow , Hubli, Karnataka- 580029 (9916119294, 9845394004, 0836- (yderabad: -2-596, Avenue 4, Karvy Plaza ,Street No 1, Banjara Hills,Hyderabad, Andhra Pradesh-500034 (9885608800,040-44677075/ / / )ndore: nd floor, - Balaji Corporates , Above )C)C) bank, / New Palasia , NearCurewell (ospital, Janjeerwala Square )ndore ,)ndore,Madhya Pradesh-


452001(9977713382,9977713382, 0731-4266828, 0731-4218902) Jabalpur: Grover Chamber, 43 Naya Bazar Malviya

Chowk,Opp Shyam Market,Jabalpur,Madhya Pradesh-482002,9827576885,9303580103,0761-3204376) Jaipur: S16/A

IIIrd Floor,Land Mark Building Opp Jai Club,Mahaver Marg C Scheme, Jaipur, Rajasthan-

302001(9829122154,9509556136/9636804612,0141-4167714,0141 - 4167715/17) Jalandhar: Arora Prime Tower,

Lowe Ground Floor, Office No 3 Plot No 28, Jalandhar, Punjab- 144001 (9780951080,9988077368,0181-5094410)

Jalgaon: 113, Navi Peth, B/H Mahalaxmi Dairy, Jalgaon, Maharashthra-425001(9421521406,7875803473,0257-

2226761) Jalpaiguri: D B C Road Opp Nirala Hotel, Opp Nirala Hotel, Jalpaiguri, West Bengal-735101

(9832485813,9832421761,03561-222136) Jammu: 5 A/D Extension 2,Near Panama Chowk Petrol Pump, Panama

Chowk,Jammu, Jammu & Kashmir-180012 (9796406060,9018335968,0191-2458820,01912458818) Jamnagar: 136-

137-138 Madhav Palaza, Opp Sbi Bank, Nr Lal Bunglow, Jamnagar, Gujarat-361001(9725444799,0288-2558887)

Jamshedpur : nd Floor, R R SQUARE , SB S(OP AREA, NEAR REL)ANCE FOOT PR)NT & (OTEL- BS PARKPLAZA , MA)N ROAD, , Jamshedpur, Jharkhand-831001 (9798544088,9934314986,0657-6655000,0657-

6655003/6655004/6655005/- / Jaunpur: R N Complex, -1-9-G ,In Front Of Pathak Honda, Ummarpur, Jaunpur, Uttar Pradesh, , , Jhansi : / , Narayan Plaza,Gwalior Road , Near Jeevan Shah Chauraha, Jhansi,Uttar Pradesh-284001, 9651362328,-, Jodhpur: , Modi Arcade , Chopasni Road, Jodhpur, Rajasthan-342001 (8003738266, 9251269552, 0291-6454590) Junagadh: 124-125

Punit Shopping Center, M.G Road, Ranavav Chowk, Junagadh, Gujarat-362001,9824686601, 0285-2652220, 0285- Kannur: Nd Floor, Prabhath Complex , Fort Road, Nr. Icici Bank, Kannur, Kerala-670001 (9895462756,

9744856894, 0497- Kanpur : / , B, Ground Floor ,Opp : Muir Mills,Civil Lines,Kanpur, Uttar Pradesh- , / , / , Karaikudi: No. ,Gopi Arcade , Feet Road, ,-,Karaikudi, Tamil Nadu-630001, 99422 08943,-, 04565- Karimnagar: (.No. -2-130/131, Above Union Bank , Jafri Road, ,Rajeev Chowk, Karimnagar, Andhra Pradesh-505001 (9849963242,-,0878-2261779, 0878-/ / Karnal: / , Char Chaman , Kunjpura Road, Behind Miglani (ospital, Karnal, (aryana-

132001(9813607105,9068784639; 8396852122, 0184- Karur: No. , old No. , Thiru-vi-ka Road, , Near G.R.Kalyan Mahal, ,Karur,Tamil Nadu-639001,04324- Kharagpur: Malancha Road, ,-, Beside Axis Bank Ltd, ,Kharagpur,West Bengal-721304(9679755405,8945613150,03222- Kolhapur: / / E Ward, Shahupuri Nd Lane ,Laxmi Niwas,Near Sultane Chambers, Kolhapur,Maharashthra-

416001(9960549938,9423596399,0231 2653656) Kolkata: 166 A Rashbihari Avenue 2nd Floor,-,Opp- Fortish

Hospital,Kolkata,West Bengal- , , -40611135/ 36; 033-24659263/9267,

24635432, 24669450, 24196462) Kollam: Sree Vigneswara Bhavan,Shastri Junction,Kadapakada,Kollam,Kerala-

691001(9744791380,9567614617,0474- Korba: st Floor, City Centre , )RCC, Transport Nagar, Korba, Chatisgarh- , Kota: ,)st Floor , Near Lala Lajpat Rai Circle, Shopping Centre, Kota, Rajasthan-324007 (9887159177, 7737345592, 0744-5100964, 0744-5100964) Kottayam: 1St Floor Csiascension

Square,Railway Station Road, Collectorate P O, Kottayam,Kerala-686002(9744250107,,0481- Kurnool: Shop No. , St Floor, S V Complex ,Railway Station Road, Near Sbi Main Branch,Kurnool,Andhra Pradesh-518004

(9000068556, 9704058506, 08158-228550) Lucknow: 24, Prem Nagar, Ashok Marg,Lucknow, Uttar Pradesh-226001

(8604398488,9792350554,9369918600) Ludhiana: Sco - 136 ,1St Floor Above Airtel Showroom ,Feroze Gandhi

Market ,Ludhiana,Punjab-141001(9888880614,7355273067,0161- Madurai: Rakesh towers, -C, Ist floor, , Bye pass Road, , Opp Nagappa motors, ,Madurai, Tamil Nadu-625010, 9047081666, 9894341505, 0452- Malappuram: First Floor,Cholakkal Building , Near U P School,Up Hil,Malappuram,Kerala-676505,

9746378606,, 0483- Malda: Sahis Tuli, Under Ward No. , , No. Govt Colony, , English Bazar Municipality, Malda, West Bengal-732101 (9232766405, 9733063825, 03512-223763) Mandi: 149/11 ,School Bazaar ,-,Mandi ,Uttar

Pradesh-175001(9459938186,-,9318873501) Mangalore: Mahendra Arcade Opp Court Road,Karangal Padi,

Mangalore,Karnataka-575003(9731154145,7760874571,0824-2496289) Margoa: 2Nd Floor ,Dalal Commercial

Complex,Pajifond,Margao ,Goa-403601(9011285712,-,0832-2731823 Mathura: Ambey Crown, )ind Floor ,)n Front Of Bsa College, Gaushala Road, ,Mathura, Uttar Pradesh-281001(8923228412,-,9369918618) Meerut: 1St Floor,Medi

Centreopp Icici Bank,Hapur Road Near Bachha Park,Meerut,Uttar Pradesh-250002(9760485123,-,9369918619)

Mehsana: Ul/47 Apollo Enclave,Opp Simandhar Temple,Modhera Cross Road,Mehsana,Gujarat-384002, 9824902519,-

,02762- Mirzapur: Above (DFC Bank, Dankeenganj, ,UP,Mirzapur,Uttar Pradesh-231001,9305132535,-


, Moga: St Floor,Dutt Road ,Mandir Wali Gali, Civil Lines, Barat Ghar ,Moga,Punjab-

142001(9780756983,9478108905,01636- Moradabad: Om Arcade, Parker Road, Above Syndicate Bank, Chowk Tari Khana , Moradabad, Uttar Pradesh-244001(9027346471,9027443364/9058791115,9369918620)

Morena: Moti Palace,Near Ramjanki Mandir, Near Ramjanki Mandir, Morena, Madhya Pradesh-476001 (9981384447, Mumbai: /B, Raja Bahadur Compound , Ambalal Doshi Marg, ,Behind Bse Bldg, Fort, Maharashthra-

400001 ,-,9004089492,022-66235353,022-66235333); Andheri : 6 & 7, Andheri Industrial Estate,Veera Desai Road,

Andheri (west) , Mumbai-400 053; Borivali: Ground Floor, Himanshu Bldg,Sodawala Cross Lane, Chandawarkar

Road,Borivali, Mumbai-400 091; Chembur: Shop No 4 , Ground Floor, Shram Saflya Bldg.N G Acharya Marg,Chembur,

Mumbai-400 071; Muzaffarpur: 1 St Floor,Uma Market, Thana Gumtimoti Jheel, Muzaffarpur,Bihar-

842001(9693584015,-, Mysore: L- , Silver Tower, ,Ashoka Road, Opp.Clock Tower, Mysore, Karnataka-570001(9902919671,9964123030,0821-2438006) Nadiad: 104/105,Near Paras Cinema,City Point

Nadiad,Nadiad,Gujarat-387001 (9898635495,0268-2563245) Nagerkoil: 3A, South Car Street,Parsans

Complex,Nagercoil,Tamil Nadu-629001(04652 - 233552) Nagpur: Plot No 2/1 House No 102/1,Mata Mandir Road, Mangaldeep Appartment Opp Khandelwal Jewelers, Dharampeth , Nagpur, Maharashthra-440010

(9764719485,9371160726,0712-2533040, 0712- Namakkal: / , Arun Towers, ,Paramathi Street,-,Namakkal,Tamil Nadu,637001,88836 92376,-,04286- 234801) Nanded: Shop No. , Santakripa Market, G G Road , Opp. Bank Of India, Nanded, Maharashthra-431601 (8793560595, 9890713616, 02462- Nasik: F-1, Suyojit Sankul , Sharanpur Road,-, Nasik, Maharashthra-422002,8237756668,9890918183,0253-6611395) Navsari: 1/1

Chinmay Aracade,Opp Sattapir Rd,Tower Rd, Navsari, Gujarat-396445(9429532985,,02637-280367,02637-280367) Nellore: -2- , Room No : , Nd Floor ,Keizen (eights, Gandhi Nagar , Pogathota ,Nellore,Andhra Pradesh,524001, 9948352011,-,0861-2349940)New Delhi: 305 New Delhi House ,27 Barakhamba Road ,-,New Delhi

,New Delhi -110001,9910053511,9910887035,011-43681700,011-43681704) Nizamabad: H No:5-6-430,A Bove Bank Of Baroda First Floor, Beside (DFC Bank, (yderabad Road , Nizamabad, Andhra Pradesh-503003,9951888991,-

,08462- Noida: Jaipuria Plazad A, Nd Floor ,Opp Delhi Public School,Sector ,Noida,Uttar Pradesh-

201301,9873448325,-,9310448805) Palghat: No: 20 & 21 ,Metro Complex H.P.O.Road Palakkad, H.P.O. Road, Palakkad,

Kerala-678001 (9895968533, , Panipat: St Floor, ,Krishna Tower, Above Amertex,G.T. Road, Panipat,Haryana-132103(8570019906,-, Panjim: City Business Centre, ,Coelho Pereira Building, Room No , & ,Dada Vaidya Road, ,Panjim,Goa-403001 (9923261177,7798300457,0832-

2426873,0832- Pathankot: St Floor, A ,)mprovement Trust Building ,Patel Chowk ,Pathankot,Punjab-

145001,9646034222,9988164770,0186-5080188) Patiala: Sco 27 D ,Chotti Baradari , Near Car Bazaar,Patiala,Punjab-

147001(9872262284,9041837150,0175- Patna: A, Rd Floor Anand Tower ,Exhibition Road,Opp )C)C) Bank, Patna,Bihar-800001 (7781023134,9708108821,0612- , Pollachi: / ,Ramanathan Building , st Floor New Scheme Road ,-,Pollachi,Tamil Nadu-642002(99521 72658,-,04259- , , Pondicherry: No: , Thiayagaraja Street, ,-,Pondicherry,Pondicherry -605001(0413 2220640)Proddatur: Shop No: , Araveti Complex ,Mydukur Road,Beside Syndicate Bank, Proddatur, Andhra Pradesh-

516360(9966717997,08564 - Pudukottai: Sundaram Masilamani Towers, Ts No. - , Pm Road, ,Old Tirumayam Salai, Near Anna Statue, Jublie Arts, ,Pudukottai,Tamil Nadu-622001(9865974743,04322 - 220050)Pune: Office # , Ground Floor ,Shrinath Plaza,Near Dyaneshwar Paduka Chowk , F C Road, Pune ,Maharashthra-411005

(9833067872, 9975494895, 020-25533795, 020- Raipur: Shop No. , Third Floor, , Millenium Plaza, Above )ndian (ouse, , Behind )ndian Coffee (ouse, ,Raipur,Chatisgarh-492001 (9406065221, 8305209298,0771- Rajahmundry: D.No. -1- , Rangachary Street, ,T.Nagar, Near Axis Bank Street,Rajahmundry, Andhra Pradesh-533101(9642572477,7207287911, 0883-2434468,0883- Rajapalayam: Sri Ganapathy Complex, B/ / , , T P Mills Road, ,Virudhungar Dist, Rajapalayam,Tamil Nadu-626117(9944908694,04563 - Rajkot: , Siddhi Vinyak Com. Opp Ramkrishna Ashram ,Dr Yagnik Road, Rajkot, Rajkot, Gujarat-

360001(7359916635,9925619731,2816545888) Ranchi: Room No 3073RdFloor,CommerceTower,Beside Mahabir

Tower, Ranchi, Jharkhand-834001 (9431371731,9835977889,0651- Ratlam: Nagpal Bhawan , Free Ganj Road ,Do Batti ,Near Nokia Care ,Ratlam,Madhya Pradesh-457001(9770285511,9303967657,07412-

402007)Renukoot: Shop No. 18,Near Complex Birla Market,-,Renukoot,Uttar Pradesh-231217(8948816968,-, Rewa: )st Floor, Angoori Building ,Besides Allahabad Bank, Trans University Road, Civil Lines ,Rewa,


Madhya Pradesh-485001(8818851641,-,7489755878) Rohtak: 1St Floor,Ashoka Plaza,Delhi Road,Rohtak,Haryana-

124001(8950414951,-, Roorkee: Shree Ashadeep Complex, ,Civil Lines,Near )ncome Tax Office,Roorkee,Uttaranchal-247667(9927416205,-, Rourkela: St Floor Sandhu Complex, , Kachery Road, Uditnagar , Rourekla, Orissa-769012(9776284625,9861120354,0661-2500005) Sagar: Above Poshak

Garments,5 Civil Lines,Infront Of Income Tax Office,Sagar,Madhya Pradesh-470002 (9826674321,9752879556,07582-

402404) Saharanpur: 18 Mission Market,Court Road,-,Saharanpur,Uttar Pradesh-247001(9634590304,-

, Salem: No: ,Brindavan Road, Fairlands, Near Perumal Koil, ,Salem,Tamil Nadu-636016,(95240

70720,0427-4020300) Sambalpur: Ground Floor Quality Massion, Infront of bazaar kolkata, Nayapara, Sambalpur,

Orissa-768001(9861785131,9861114141,0663-2522105); Secunderabad: 1st Floor, Thirumala Complex, Paradise

Circle, S.D Road, Opp. Hotel Kamat, Secunderabad - ; Satna: St Floor, Gopal Complex , Near Bus Stand,Rewa Road,Satna, Madhya Pradesh-485001( , Shaktinagar: St/A-375, , V V Colony,Dist Sonebhadra,Shaktinagar,Uttar Pradesh-231222(7890355728,-,7499496129) Shillong: Annex Mani Bhawan ,Lower

Thana Road ,Near R K M Lp School, Shillong, Meghalaya-793001 (9774226437,-,0364 2506106) Shimla : Triveni

Building,By Pas Chowkkhallini,-,Shimla,Himachal Pradesh-171002(9805375551,-,9318644501) Shimoga: Sri Matra Naika Complex, St Floor, Above Shimoga Diagnostic Centre, , Llr Road, Durgigudi, , Shimoga, Karnataka-577201

(9741308883, 9448681710, 08182-228799, 08182-227485) Shivpuri: 1St Floor, M.P.R.P. Building, Near Bank Of India, Shivpuri, Madhya Pradesh-473551 (9407562999,-, Sikar: First Floor, Super Tower ,Behind Ram Mandir Near Taparya Bagichi ,Sikar, Rajasthan-332001 (9549776841, 01572- Silchar: N.N. Dutta Road,Chowchakra Complex, Premtala, Silchar, Assam-788001(9435173219,9678901126,03842 261714) Siliguri:

Nanak Complex,Sevoke Road,-, Siliguri, West Bengal-734001 (9832521945, 9832510008, 0353-2526393) Sitapur:

12/12-A Sura Complex,Arya Nagar Opp,Mal Godam,Sitapur,Uttar Pradesh-261001(9598369111,9369918623)

Sivakasi: 363,Thiruthangal Road,Opp: TNEB,Sivakasi,Tamil Nadu-626123,80562 14131,-,04562 228816) Solan: Sahni

Bhawan,Adjacent Anand Cinema Complex,The Mall,Solan,Himachal Pradesh-173212(9817248190,-,9318991871) Solapur: Block No , Vaman Nagar, Opp D-Mart ,Jule Solapur,Solapur,Maharashthra-413004(9960646865,0217-

2300021,0217-2300318)Sonepat: 205 R Model Town,Above Central Bank Of India,-,Sonepat,Haryana-131001

(9813821843,-, 9315457164) Sri Ganganagar: 35E Block, Opp: Sheetla Mata Vaateka Sri Ganganagar,-, Sri

Ganganagar,Rajasthan-335001(9602969753,9462400664,0154-2470177) Srikakulam: D.No-4-1-28/1,Venkateswara

Colony,Near Income Tax Office, Srikakulam,Andhra Pradesh-532001(9885590552,9248009412,08942-225382,

08942-225362) Sultanpur: Rama Shankar Complex,Civil Lines,Faizabad Road, Sultanpur, Uttar Pradesh-228001

(9580614908,-,9369918624) Surat: G-5 Empire State Buliding,Nr Udhna Darwaja, Ring Road, Surat,Gujarat-

395002(9687697224,9978442596,0261-3042170,0261- Thanjavur: No. , Nalliah Complex , Srinivasam Pillai Road,Tanjore,Tamil Nadu-613001,98945 33238,-,04362- Thodupuzha: First Floor, Pulimoottil Pioneer ,Pala Road,-,Thodupuzha,Kerala-685584,0486-2211209,04862 - Tirunelveli: / , Jeney Building ,S N Road,Near Aravind Eye (ospital,Tirunelveli,Tamil Nadu-627001(9788845514,-,0462 Tirupathi: D no: , )) nd Floor, ,PADMAVAT() N)LAYAM , NOK)A CARE UPSTA)RS,Tilak Road ,Tirupathi,Andhra Pradesh-517501(9885995544,9032957583,0877- Tirupur: First floor, A ,Kamaraj Road,Opp to Cotton market complex,Tirupur,Tamil Nadu-641604,0421- Tiruvalla: Nd Floor,Erinjery Complex ,Ramanchira,Opp Axis Bank,Thiruvalla,Kerala-689107(9747529499,0469- Trichur: nd Floor,Brothers Complex , Naikkanal Junction,Shornur Road ,Near Dhanalakshmi Bank ( O,Thrissur,Kerala-

680001(8606877204,9747982535,0487- Trichy: , Sri Krishna Arcade , Thennur (igh Road, ,-,Trichy,Tamil Nadu-620017(9597055087,0431-4020227) Trivandrum: 2Nd Floor,Akshaya

Tower,Sasthamangalam,Trivandrum,Kerala-695010(9995820575,9567607573,0471- Tuticorin: - B, A34 - A , , Mangalmal Mani Nagar, , Opp. Rajaji Park, Palayamkottai Road, ,Tuticorin, Tamil Nadu-628003 (0461-

2334603) Udaipur: 201-202,Madhav Chambers, Opp G P O , Chetak Circle ,Udaipur,Rajasthan-313001(9636506469,

9001830400, 0294-2429370) Ujjain: 101 Aashta Tower,13/1 Dhanwantri Marg,Freeganj,Ujjain,Madhya Pradesh-

456010 (9302373625, 9039507556,0734-4250007,0734- Valsad: Shop No , Phiroza Corner ,Opp Next Show Room,Tithal Road,Valsad,Gujarat-396001(9879166808,9725539945,02632- Vapi: Shop No-12, Ground Floor ,Sheetal Appatment, Near K P Tower,Vapi,Gujarat-396195(9228012909,9978877183,9228012909) Varanasi: D-

64/1321St Floor, Anant Complex, Sigra, Varanashi, Uttar Pradesh-221010(9389938800,9807228126,9369918626)


Vellore: , M N R Arcade ,Officers Line, Krishna Nagar,Vellore,Tamil Nadu-632001(9952389697,0416 2215007)

Vijayanagaram: Soubhagya, -6- / , Nd Floor, Near Fort Branch ,Opp: Three Temples, Vizianagaram,Andhra Pradesh-535002(9014392427,9014392427,08922-236962)Vijayawada: 39-10-7,Opp : Municipal Water

Tank,Labbipet,Vijayawada,Andhra Pradesh-520010(0866-2475126) Visakhapatnam: Door No: 48-8- , Dwaraka Diamond, Ground Floor ,Srinagar, Visakhapatnam, Andhra P adesh-530016(9000088322,0891-2714125) Warangal:

-6- , St Floor , Opp: B.Ed Collage, Lashkar Bazar , Chandra Complex, (anmakonda, , Warangal, Andhra Pradesh-

506001 (0870-2501664) Yamuna Nagar: Jagdhari Road,Above Uco Bank,Near D.A.V. Girls College, Yamuna Nagar,

Haryana-135001(9813627107,9315017306)

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