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R* Shares Gold Exchange Traded Fund

(An Open ended Gold Exchange Traded Fund Scheme)

Scheme Information Document


Continuous offer of the Units of the face value of Rs. 100 each for cash at NAV based prices (subject to applicable load)
The particulars of the Scheme have been prepared in accordance with the Securities and Exchange Board of India (Mutual Funds) Regulations 1996, (herein after referred to as SEBI (MF) Regulations) as amended till date, and led with SEBI, along with a Due Diligence Certicate from the AMC. The units being offered for public subscription have not been approved or recommended by SEBI nor has SEBI certied the accuracy or adequacy of the Scheme Information Document. NAME OF MUTUAL FUND Reliance Mutual Fund 11th oor & 12th oor, One Indiabulls Centre, Tower 1 Jupiter Mills Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai - 400 013 Tel No. - 022-30994600 Fax No. - 022-30994699

The Scheme Information Document sets forth concisely the information about the scheme that a prospective investor ought to know before investing. Before investing, investors should also ascertain about any further changes to this Scheme Information Document after the date of this Document from the Mutual Fund / Investor Service Centres /Website / Distributors or Brokers.

NAME OF SPONSOR COMPANY Reliance Capital Limited Registered Ofce: H Block, 1st Floor, Dhirubhai Ambani Knowledge City, Koparkhairne, Navi Mumbai - 400 710. Tel. 022 - 30327000, Fax. 022 - 30327202 Website : www.reliancecapital.co.in

The investors are advised to refer to the Statement of Additional Information (SAI) for details of Reliance Mutual Fund, Tax and Legal issues and general information on www.reliancemutual.com

NAME OF ASSET MANAGEMENT COMPANY Reliance Capital Asset Management Limited Corporate Ofce: 11th oor & 12th oor, One Indiabulls Centre, Tower 1 Jupiter Mills Compound, 841, Senapati Bapat Marg,

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

Elphinstone Road, Mumbai - 400 013 Tel No. - 022-30994600 Fax No. - 022-30994699 NAME OF TRUSTEE COMPANY Reliance Capital Trustee Co. Limited

The Scheme Information Document should be read in conjunction with the SAI and not in isolation.

Corporate Ofce: 11th oor & 12th oor, One Indiabulls Centre, Tower 1 Jupiter Mills Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai - 400 013 Tel No. - 022-30994600

This Scheme Information Document is dated September 26, 2012.

Fax No. - 022-30994699

Disclaimer of Bomnay Stock Exchange (BSE) It is to be distinctly understood that the permission given by BSE Ltd. should not in any way be deemed or construed that the SID has been cleared or approved by BSE Ltd. nor does it certify the correctness or completeness of any of the contents of the SID. The investors are advised to refer to the SID for the full text of the Disclaimer clause of the BSE Ltd.

Disclaimer of National Stock Exchange (NSE) As required, a copy of this Offer Document has been submitted to National Stock Exchange of India Limited (hereinafter referred to as NSE). NSE has given vide its letter NSE/LIST/52218-N dated July 31, 2007 permission to the Mutual Fund to use the Exchanges name in this Offer Document as one of the stock exchanges on which the Mutual Funds units are proposed to be listed subject to, the Mutual Fund fullling the various criteria for listing. The Exchange has scrutinized this Offer Document for its limited internal purpose of deciding on the matter of granting the aforesaid permission to the Mutual Fund. It is to be distinctly understood that the aforesaid permission given by NSE should not in any way be deemed or construed that the Offer Document has been cleared or approved by NSE; nor does it in any manner warrant, certify or endorse the correctness or completeness of any of the contents of this Offer Document; nor does it warrant that the Mutual Funds units will be listed or will continue to be listed on the Exchange; nor does it take any responsibility for the nancial or other soundness of the Mutual Fund, its promoters, its management or any scheme or project of the Mutual Fund. Every person who desires to apply for or otherwise acquire any units of the Mutual Fund may do so pursuant to independent inquiry, investigation and analysis and shall not have any claim against the Exchange whatsoever by reason of any loss which may be suffered by such person consequent to or in connection with such subscription / acquisition whether by reason of anything stated or omitted to be stated herein or any other reason whatsoever.

Table Of COntents
HIGHLIGHTS/SUMMARY OF THE SCHEME............................................................................................................................................1 I. INTRODUCTION...........................................................................................................................................................................3 A. B. C. RISK FACTORS........................................................................................................................................................................................................3 REQUIREMENT OF MINIMUM INVESTORS IN THE SCHEME...........................................................................................................................5 SPECIAL CONSIDERATIONS..................................................................................................................................................................................5

D. DEFINITIONS & ABBREVIATIONS.........................................................................................................................................................................9 E. DUE DILIGENCE BY THE ASSET MANAGEMENT COMPANY.......................................................................................................................... 11

II. INFORMATION ABOUT THE SCHEME R* Shares Gold Exchange Traded Fund...............................................................................12 A. B. C. TYPE OF THE SCHEME....................................................................................................................................................................................... 12 WHAT IS THE INVESTMENT OBJECTIVE OF THE SCHEME?........................................................................................................................... 12 HOW WILL THE SCHEME ALLOCATE ITS ASSETS?......................................................................................................................................... 12

D. WHERE WILL THE SCHEME INVEST?............................................................................................................................................................... 12 E. F. G. WHAT ARE THE INVESTMENT STRATEGIES?................................................................................................................................................... 12 FUNDAMENTAL ATTRIBUTES............................................................................................................................................................................. 15 HOW WILL THE SCHEME BENCHMARK ITS PERFORMANCE?..................................................................................................................... 15

H. WHO MANAGES THE SCHEME?....................................................................................................................................................................... 15 I. J. WHAT ARE THE INVESTMENT RESTRICTIONS?.............................................................................................................................................. 15 HOW HAS THE SCHEME PERFORMED?.......................................................................................................................................................... 17

III. UNITS AND OFFER......................................................................................................................................................................18 A. B. C. NEW FUND OFFER (NFO).................................................................................................................................................................................. 18 ONGOING OFFER DETAILS................................................................................................................................................................................. 20 PERIODIC DISCLOSURES.................................................................................................................................................................................... 28

D. COMPUTATION OF NAV..................................................................................................................................................................................... 30 IV. FEES AND EXPENSES..................................................................................................................................................................31 A. NEW FUND OFFER (NFO) EXPENSES.............................................................................................................................................................. 31 B. ANNUAL SCHEME RECURRING EXPENSES..................................................................................................................................................... 31 C. LOAD STRUCTURE.............................................................................................................................................................................................. 32 D. WAIVER OF LOAD FOR DIRECT APPLICATIONS.............................................................................................................................................. 32 E. TRANSACTION CHARGES................................................................................................................................................................................... 32 V. RIGHTS OF UNITHOLDERS..........................................................................................................................................................34 VI. PENALTIES, PENDING LITIGATION OR PROCEEDINGS, FINDINGS OF INSPECTIONS OR INVESTIGATIONS FOR WHICH ACTION MAY HAVE BEEN TAKEN OR IS IN THE PROCESS OF BEING TAKEN BY ANY REGULATORY AUTHORITY...........................................34

HIGHLIGHTS/SUMMARY OF THE SCHEME


1. INVestmeNt oBJectiVe The investment objective is to seek to provide returns that closely correspond to returns provided by price of gold through investment in physical Gold (and Gold related securities as permitted by Regulators from time to time). However, the performance of the scheme may differ from that of the domestic prices of Gold due to expenses and or other related factors. However, there can be no assurance that the investment objective of the scheme will be achieved. All investors may sell their units in the stock exchange(s) on which these units are listed on all the trading days of the stock exchange. Alternatively Authorised Participant can directly buy /sell in blocks from the fund in Creation Unit Size. As there are no indices catering to the gold sector/securities linked to Gold, currently R* Shares Gold Exchange Traded Fund shall be benchmarked against the price of Gold. Purity of Gold: All gold bullion held in the schemes allocated account with the custodian shall be of neness (or purity) of 995 parts per 1000 (99.5%) or higher. a) The NAV will be calculated and disclosed at the close of every working day which shall be published in at least two daily newspapers and also uploaded on the AMFI website and Reliance Mutual Fund website i.e. www.reliancemutual.com.

2. LiQuiDity

3. BeNchmarK

4. TraNsPareNcy/NAV Disclosure

b) If the NAVs are not available before commencement of business hours on the following day due to any reason, the Fund shall issue a press release providing reasons and explaining when the Fund would be able to publish the NAVs. c) The information on NAV may be obtained by the Unitholders on any day from the ofce of the AMC / the ofce of the Registrar in Hyderabad or any of the other Designated Investor Service Centres. d) Investors may also note that Reliance Mutual Fund shall service its customers through the call center from Monday to Saturday between 8.00 am to 9.00 pm. However, 24x7 facility shall be available for addressing the queries through interactive voice response (IVR) and for hot listing the Reliance Any Time Money Card. Investor may also call our Touch base customer service centre at 3030 1111, callers outside India (Toll Free No. 1800-300-11111), please dial 91-22-30301111. e) Publication of Abridged Half-yearly Unaudited Financial Results in the newspapers or as may be prescribed under the Regulations from time to time. f) g) Communication of Portfolio on a half-yearly basis to the Unit holders directly or through the Publications or as may be prescribed under the Regulations from time to time. Despatch of the Annual Reports of the respective Schemes within the stipulated period as required under the Regulations.

5. LoaDs Entry & Exit Load: Not Applicable There will be no entry/exit load on R* Shares Gold Exchange Traded Fund bought or sold through the secondary market on the NSE/BSE. However, an investor would be paying cost in the form of a bid and ask spread and brokerage, as charged by his broker for buying / selling R* Shares Gold Exchange Traded Fund. As per the Regulations, the redemption price shall not be lower than 93% of NAV and the purchase price shall not be higher than 107% of the NAV and the difference between the redemption price and purchase price shall not exceed 7% of the purchase price. In case, there are no quotes on the NSE and BSE for ve trading days consecutively, an investor can sell directly to the fund with an exit load of 5% of NAV. The payout of such redemptions will be on the respective pay-out day. Purchases directly from the Mutual Fund would be restricted to Authorised Participants provided the value of units to be purchased is in creation unit size. The minimum number of Units that can be bought or sold on the exchange is 1 (one) unit and in multiples of 1 unit. Dividend Payout Option only Full Repatriation benets would be available to NRIs, PIOs and FIIs, subject to applicable conditions/regulations notied by Reserve Bank of India from time to time The units of R* Shares Gold Exchange Traded Fund is listed on the Capital Market Segment of the National Stock Exchange of India (NSE) and Bombay Stock Exchange (BSE). The trading will be as per the normal settlement cycle. The minimum number of units that can be bought or sold through the stock exchange is 1 (one) unit. The AMC reserves the right to list the units of the Scheme on any other recognized stock exchange. Investor may please note that erstwhile name of the scheme was Reliance Gold Exchange Traded Fund, the same has been changed to R* Shares Gold Exchange Traded Fund w.e.f. from September 17, 2012 1

6. MiNimum APPlicatioN AmouNt

7. CHOICE OF INVESTMENT PLANS 8. REPATRIATION

9. ListiNg

10. The advantages of R* Shares Gold Exchange Traded Fund over direct investment in gold : 1. 2. Investors who want a cost effective and convenient way to invest in gold can get instantaneous exposure to a physical asset viz gold. R* Shares Gold Exchange Traded Fund units can be traded like a share and therefore it provides the ability to buy and sell them quickly at the ruling market price unlike gold that can be sold only for a discount and by a cumbersome process.

3. The expenses incurred in buying and selling units and the schemes ongoing expenses will be less than the costs associated with buying and selling of gold and storing and insuring gold bullion in a traditional gold bullion market. 4. 5. 6. Minimum investment in ETF in secondary markets is one unit representing approximately one gram of gold in the beginning and the weight of gold representing 1 unit keeps reducing to the extent of expenses. Helps investors to diversify across asset classes. Investors get an opportunity to access to Gold Bars conforming to LBMA Good Delivery status, in a cost effective manner. R* Shares Gold Exchange Traded Fund is listed on NSE/BSE and/or may be listed on any other stock exchange(s) as may be decided by the Reliance Capital Asset Management Ltd. in the form of Gold Exchange Traded Fund tracking the prices of Gold bullion.

11. TraNsactioN charges: In accordance with SEBI Circular No. IMD/ DF/13/ 2011 dated August 22, 2011, with effect from November 1, 2011, Reliance Capital Asset Management Limited (RCAM)/ RMF shall deduct a Transaction Charge on per purchase / subscription of Rs. 10,000/- and above, as may be received from new investors (an investor who invests for the rst time in any mutual fund schemes) and existing investors. Distributors shall be able to choose to opt out of charging the transaction charge. However, the opt-out shall be at distributor level and not investor level i.e. a distributor shall not charge one investor and choose not to charge another investor. Such charges shall be deducted if the investments are being made through the distributor/agent and that distributor / agent has opted to receive the transaction charges as mentioned below: For the new investor a transaction charge of Rs 150/- shall be levied for per purchase / subscription of Rs 10,000 and above; and For the existing investor a transaction charge of Rs 100/- shall be levied for per purchase / subscription of Rs 10,000 and above. The transaction charge shall be deducted from the subscription amount and paid to the distributor/agent, as the case may be and the balance shall be invested. The statement of account shall clearly state that the net investment as gross subscription less transaction charge and give the number of units allotted against the net investment. In case of investments through Systematic Investment Plan (SIP) the transaction charges shall be deducted only if the total commitment through SIP (i.e. amount per SIP installment x No. of installments) amounts to Rs. 10,000/- and above. In such cases, the transaction charges shall be deducted in 3-4 installments. Transaction charges shall not be deducted if: (a) The amount per purchases /subscriptions is less than Rs. 10,000/-; (b) The transaction pertains to other than purchases/ subscriptions relating to new inows such as Switch/STP/ DTP, etc. (c) Purchases/Subscriptions made directly with the Fund through any mode (i.e. not through any distributor/agent). (d) Subscription made through Exchange Platform irrespective of investment amount.

I - INTRODUCTION
A. RISK FACTORS 1. STANDARD RISK FACTORS a) Mutual Funds and securities investments are subject to market risks such as trading volumes, settlement risk, liquidity risk and default risk including the possible loss of principal and there is no assurance or guarantee that the objectives of the Scheme will be achieved. b) As the price / value / interest rates of the securities in which the scheme invests uctuates, the value of your investment in the scheme may go up or down c) d) Past performance of the Sponsor/AMC/Mutual Fund does not guarantee future performance of the scheme. R* Shares Gold Exchange Traded Fund is only the name of the Scheme and does not in any manner indicate either the quality of the scheme or its future prospects and returns.

e) The Sponsor is not responsible or liable for any loss resulting from the operation of the Scheme beyond their initial contribution of Rs.1 lakh made by it towards the setting up of the Mutual Fund and such other accretions and additions to the corpus. f) The present scheme is not a guaranteed or assured return scheme. The Mutual Fund is not guaranteeing or assuring any dividend/ bonus. The Mutual Fund is also not assuring that it will make periodical dividend/bonus distributions, though it has every intention of doing so. All dividend/bonus distributions are subject to the availability of distributable surplus of the Scheme. Risks associated with investing in Bonds Investment in Debt is subject to price, credit, and interest rate risk. The NAV of the Scheme may be affected, inter alia, by changes in the market conditions, interest rates, trading volumes, settlement periods and transfer procedures. Investing in Bonds and Fixed Income securities are subject to the risk of an Issuers inability to meet principal and interest payments obligation (credit risk) and may also be subject to price volatility due to such factors as interest rate sensitivity, market perception of the creditworthiness of the issuer and general market liquidity (market risk). The timing of transactions in debt obligations, which will often depend on the timing of the Purchases and Redemptions in the Scheme, may result in capital appreciation or depreciation because the value of debt obligations generally varies inversely with the prevailing interest rates. Interest Rate Risk As with all debt securities, changes in interest rates will affect the Schemes Net Asset Value as the prices of securities generally increase as interest rates decline and generally decrease as interest rates rise. Prices of longer-term securities generally uctuate more in response to interest rate changes than do shorter-term securities. Interest rate movements in the Indian debt markets can be volatile leading to the possibility of large price movements up or down in debt and money market securities and thereby to possibly large movements in the NAV. Liquidity or Marketability Risk This refers to the ease at which a security can be sold at or near its true value. The primary measure of liquidity risk is the spread between the bid price and the offer price quoted by a dealer. Liquidity risk is characteristic of the Indian xed income market. Credit Risk Credit risk or default risk refers to the risk which may arise due to default on the part of the issuer of the xed income security (i.e. will be unable to make timely principal and interest payments on the security). Because of this risk debentures are sold at a yield spread above those offered on Treasury securities, which are sovereign obligations and generally considered to be free of credit risk. Normally, the value of a xed income security will uctuate depending upon the actual changes in the perceived level of credit risk as well as the actual event of default. Reinvestment Risk This risk refers to the interest rate levels at which cash ows received from the securities in the Scheme or from maturities in the Scheme are reinvested. The additional income from reinvestment is the interest on interest component. The risk refers to the fall in the rate for reinvestment of interim cashows. Risks associated with various types of securities CREDIT RISK Listed Unlisted Secured Unsecured Rated Unrated Depends on credit quality Depends on credit quality Relatively low Relatively high Relatively low and depends on the rating Relatively high LIQUIDITY RISK Relatively Low Relatively High Relatively Low Relatively High Relatively Low Relatively High PRICE RISK Depends on duration of instrument Depends on duration of instrument Depends on duration of instrument Depends on duration of instrument Depends on duration of instrument Depends on duration of instrument

2. SCHEME SPECIFIC RISK FACTORS

Different types of securities in which the scheme would invest as given in the Scheme Information Document carry different levels 3

and types of risk. Accordingly, the schemes risk may increase or decrease depending upon its investment pattern e.g. corporate bonds, carry a higher level of risk than Government securities. Further even among corporate bonds, bonds which are AAA rated are comparatively less risky than bonds which are AA rated. Risk associated with investing in Derivatives The risk in valuing the Debt & Equity derivative products due to inadequate trading data with good volumes. Derivatives with longer duration would have higher risk viz a viz the shorter duration derivatives. Mark to Market Risk The day-to-day potential for an investor to experience losses from uctuations in underlying stock prices and derivatives prices. Systematic Risk The risk inherent in the capital market is due to macro economic factors like Ination, GDP, Global events. Liquidity Risk The risk stemming from the lack of availability of derivatives products across different maturities and with different risk appetite. Implied Volatitly The estimated volatility of an underlying securitys price and derivatives price. Interest Rate Risk The risk stemming from the movement of Interest rates in adverse direction. As with all the debt securities, changes in the interest rates will affect the valuation of the portfolios. Counterparty Risk (Default Risk) Default risk is the risk that losses will be incurred due to the default by the counterparty for over the counter derivatives. System Risk The risk arising due to failure of operational processes followed by the exchanges and OTC participants for the derivatives trading. Risk attached with the use of derivatives As and when the Scheme trades in the derivatives market there are risk factors and issues concerning the use of derivatives that investors should understand. Derivative products are specialized instruments that require investment techniques and risk analysis different from those associated with stocks and bonds. The use of a derivative requires an understanding not only of the underlying instrument but of the derivative itself. Derivatives require the maintenance of adequate controls to monitor the transactions entered into, the ability to assess the risk that a derivative adds to the portfolio and the ability to forecast price or interest rate movements correctly. There is a possibility that a loss may be sustained by the portfolio as a result of the failure of another party (usually referred to as the counterparty) to comply with the terms of the derivatives contract. Other risks in using derivatives include the risk of mispricing or improper valuation of derivatives and the inability of derivatives to correlate perfectly with underlying assets, rates and indices. Derivative products are leveraged instruments and can provide disproportionate gains as well as disproportionate losses to the investor. Execution of such strategies depends upon the ability of he fund manager to identify such opportunities. Identication and execution of the strategies to be pursued by the fund manager involve uncertainty and decision of fund manager may not always be protable. No assurance can be given that the fund manager will be able to identify or execute such strategies. The risks associated with the use of derivatives are different from or possibly greater than, the risks associated with investing directly in securities and other traditional investments. Risk Associated with Securitised Debt The Scheme may invest in Securitised debt including Pass through Certicates (PTCs). As with any other debt instrument, the following risk factors have to be taken into consideration while investing in PTCs: Credit Risk Since most of the PTCs are drawn from a cherry picked pool of underlying assets, the risk of delay / default due to poor credit quality is low. Further more most of the PTCs enjoy additional cashow coverage in terms of subordination by another lower class of PTCs or in terms of excess cash collateralisation. Liquidity Risk Since the maturity of the PTCs will be in line with the maturity of the FMP, the risk arising from low secondary market liquidity of such instruments is low. Price Risk / Interest Rate Risk The price risk of these instruments shall be in line with the maturity / duration of such instruments. However given the fact that these instruments will have a maturity prole upto 2 years, the duration risk is relatively less. Domestic Securitised debt Domestic Securitised debt can have different underlying assets and these assets have different risk characteristics. These may be as given in the following example: 4 Valuation Risk

Security 1 -Backed by receivables of personal loans originated by XYZ Bank, Specic Risk Factors: Loss due to default and/or payment delay on Receivables, Premature Termination of Facility Agreements, Limited loss cover, Delinquency and Credit Risk, Limited Liquidity and Price Risk, Originator/Collection Agent Risk, Bankruptcy of the Originator, Co-mingling of funds. Security2 - Senior Series Pass Through Certicates backed by commercial vehicles and two-wheeler loan and loan receivables from ABC Bank Limited

B. REQUIREMENT OF MINIMUM INVESTORS IN THE SCHEME The Scheme/Plan shall have a minimum of 20 investors and no single investor shall account for more than 25% of the corpus of the Scheme/ Plan(s). However, if such limit is breached during the NFO of the Scheme, the Fund will endeavor to ensure that within a period of three months or the end of the succeeding calendar quarter from the close of the NFO of the Scheme, whichever is earlier, the Scheme complies with these two conditions. In case the Scheme / Plan(s) does not have a minimum of 20 investors in the stipulated period, the provisions of Regulation 39(2)(c) of the SEBI (MF) Regulations would become applicable automatically without any reference from SEBI and accordingly the Scheme / Plan(s) shall be wound up and the units would be redeemed at applicable NAV. The two conditions mentioned above shall also be complied within each subsequently calendar quarter thereafter, on an average basis, as specied by SEBI. If there is a breach of the 25% limit by any investor over the quarter, a rebalancing period of one month would be allowed and thereafter the investor who is in breach of the rule shall be given 15 days notice to redeem his exposure over the 25 % limit. Failure on the part of the said investor to redeem his exposure over the 25 % limit within the aforesaid 15 days would lead to automatic redemption by the Mutual Fund on the applicable Net Asset Value on the 15th day of the notice period. The Fund shall adhere to the requirements prescribed by SEBI from time to time in this regard. As per Circular number SEBI/IMD/CIR NO 10/22701/03 dated December 12, 2003, the above guidelines are not applicable for Exchange Traded Funds. As R* Shares Gold Exchange Traded Fund is an exchange traded fund, same is not applicable. SPECIAL CONSIDERATIONS Market Risk Mutual funds and securities investments are subject to market risks and there is no assurance or guarantee that the objectives of the Scheme will be achieved. The NAV of the Scheme will react to the prices of gold, Gold Related Instruments and stock market movements. The Unit holder could lose their investments money over short periods due to uctuation in the NAV of the Scheme in response to factors such as economic and political developments, changes in interest rates and perceived trends in stock prices market movements, and over longer periods during market downturns.

C.

Additionally, the prices of gold may be affected by several factors such as global gold supply and demand, investors expectations with respect to the rate of ination, currency exchange rates, interest rates, etc. Crises may motivate large-scale sales of gold, which could decrease the domestic price of gold. Some of the key factors affecting gold prices are: a) Central banks sale: Central banks across the world hold a part of their reserves in gold. The quantum of their sale in the market is one of the major determinants of gold prices. A higher supply than anticipated would lead to subdued gold prices and vice versa. Central banks buy gold to augment their existing reserves and to diversify from other asset classes. This acts as a support factor for gold prices.

b) Producer mining interest: Bringing new mines on-line is a time consuming and at times economically prohibitive process that adds years onto potential supply increases from mining production. On the other hand, lower production has a positive effect on gold prices. Conversely excessive production capacities would lead to a downward movement in gold prices as the supply goes up. c) Macro-economic factors: A weakening dollar, high ination, the massive US trade decits all act in favor of gold prices. The global trend of rising interest rates also had a positive impact on gold prices. Gold being regarded as a physical asset would lose its luster in a deationary environment as gold is used effectively as an ination hedge. Geo political issues: any uncertainty on the political front or any war-like situation always acts as a booster to gold prices. The prices start building up war premiums and hence such movements. Stable situations would typically mean stable gold prices. Seasonal demand: Since the demand for Gold in India is closely tied to the production of jewellery pices tend to increase during the times of year when the demand for jewelry is the greatest, the demand for metals tends to be strong a few months ahead of these festive seasons, especially Dussera, Diwali, Akshaya Trithya festival and summer wedding season in in India. Christmas, Mothers Day, Valentines Day, are also major festive and shopping for Gold. Change in duties & levies: The gold held by the Custodian of R* Shares Gold Exchange Traded Fund may be subject to loss, damage, theft or restriction of access due to natural event or human actions. The Trustees may not have adequate sources of recovery if its gold is lost, damaged, stolen or destroyed and recovery may be limited, even in the event of fraud, to the market value of gold at the time the fraud is discovered. The custodian will maintain adequate insurance for its bullion and custody business. The liability of the Custodian is limited under the agreement between the AMC and the Custodian which establish the Mutual Funds custody arrangements, or the custody agreements.

d) e)

f)

Market Trading Risks Absence of Prior Active Market: Although R* Shares Gold Exchange Traded Fund units described in this Scheme information document are to be listed on the Exchange, there can be no assurance that an active secondary market will develop or be maintained. Lack of Market Liquidity Trading in R* Shares Gold Exchange Traded Fund on the Exchange may be halted because of market conditions or for reasons that in the view of the market authorities or SEBI, trading in R* Shares Gold Exchange Traded Fund is not advisable. In addition, trading in R* Shares Gold Exchange Traded Fund is subject to trading halts caused by extraordinary market volatility and pursuant to Stock Exchange(s) and SEBI circuit 5

lter rules. There can be no assurance that the requirements of the market necessary to maintain the listing of R* Shares Gold Exchange Traded Fund will continue to be met or will remain unchanged. R* Shares Gold Exchange Traded Fund may suffer liquidity risk from domestic as well as international market. Time lag in procurement/redemption of physical gold Procurement of gold bars may take upto 1 month in case of adverse shortage of gold bars. It may not be possible to sell gold bar intentionally and may delay redemption depending on the market conditions. R* Shares Gold Exchange Traded Fund may trade at prices other than NAV R* Shares Gold Exchange Traded Fund may trade above or below its NAV. The NAV of R* Shares Gold Exchange Traded Fund will uctuate with changes in the market value of Schemes holdings. The trading prices of R* Shares Gold Exchange Traded Fund will uctuate in accordance with changes in their NAVs as well as market supply and demand of R* Shares Gold Exchange Traded Fund. However, given that R* Shares Gold Exchange Traded Fund can be created and redeemed only in Creation Units directly with the fund, it is expected that large discounts or premiums to the NAVs of R* Shares Gold Exchange Traded Fund may not sustain due to arbitrage possibility available. Operational Risks R* Shares Gold Exchange Traded Fund are relatively new product and their value could decrease if unanticipated operational or trading problems arise. Regulatory Risk Any changes in trading regulations by the Exchange or SEBI may affect the ability of Authorised Participants arbitrage resulting into wider premium/ discount to NAV. Although R* Shares Gold Exchange Traded Fund are proposed to be listed on Exchange, the AMC and the Trustees will not be liable for delay in listing of Units of the Scheme on Exchange / or due to connectivity problems with the depositories due to the occurrence of any event beyond their control. Political Risks Whereas the Indian market was formerly restrictive, a process of deregulation has been taking place over recent years. This process has involved removal of trade barriers and protectionist measures, which could adversely affect the value of investments. It is possible that the future changes in the Indian political situation, including political, social or economic instability, diplomatic developments and changes in laws and regulations could have an effect on the value of investments. Expropriation, conscatory taxation or other relevant developments could affect the value of investments. Competition Risks An investment in R* Shares Gold Exchange Traded Fund may be adversely affected by competition from other methods of investing in gold. The value of the units relates directly to the value of the gold held by the scheme and uctuations in the price of gold could adversely affect investment value of the units. The R* Shares Gold Exchange Traded Fund is designed to mirror as closely as possible the performance of the price of gold bullion and the value of units directly relate to the value of the Gold held by the Scheme less the Schemes liabilities (including accrued but unpaid expenses). Gold prices have been quite volatile historically. The price of gold has uctuated from a low of $ 1537.5/Oz to a high of $1788/Oz between 03 Jan 12 and 25th September 2012 between based on the London LBMA AM Fix Several factors may affect the price of gold, including: Global gold supplies and demand, which is influenced by factors such as forward selling by gold producers, purchases made by gold producers to unwind gold hedge positions, central bank purchases and sales, and productions and cost levels in major gold producing countries such as the South Africa, the United States and Australia. Investors expectations with respect to the rate of inflation; Currency exchange rates; Interest rates; Investment and trading activities of hedge funds and commodity funds; and Global or regional political, economic or financial events and situations. In addition, investors should be aware that there is no assurance that gold will maintain its long-term value in terms of purchasing power in the future. In the event that the price of gold declines, the value of investment in units is expected to decline proportionately. Changes in indirect taxes like custom duties for import, sales tax, VAT or any other levies will have an impact on the valuation of gold and consequently the NAV of the scheme. Although, the objective of the Fund is to seek to provide returns that closely correspond to returns provided by price of gold through investment in physical Gold and Gold related securities, the performance of the scheme may differ from that of the domestic prices of Gold due to expenses and or other related factors

Credit & Interest Rate Risk The Fund may also invest in Gold Related Instruments, money market instruments, bonds, securitised debts & other debt securities as permitted under the Regulations which are subject to price, credit and interest rate risk. Trading volumes and settlement periods and transfer procedures may restrict liquidity in debt investments. Right to Limit Redemptions The Trustee, in the interest of the Unit holders of the Scheme offered in this Scheme information document and keeping in view of the unforeseen circumstances / unusual market conditions, may limit the total number of Units, which can be redeemed on any Working Day depending on the total Underlying Stock of Gold that can be readily sold in the local market available with the fund. 6

Redemption Risk The Unit Holders may note that even though this is an open-ended scheme, the Scheme would ordinarily repurchase Units in Creation Unit size. Thus unit holdings less than the Creation Unit size can normally only be sold through the secondary market, unless no quotes are available on the Exchange for 2 trading days consecutively. Further, the price received upon the redemption of R* Shares Gold Exchange Traded Fund units may be less than the value of the gold represented by them. The result obtained by subtracting the Funds expenses and liabilities on any day from the price of the gold owned by the fund on that day is the net asset value of the fund which, when divided by the number of units outstanding on that date, results in the net asset value per unit, or NAV. Asset Class Risk The domestic price of gold may vary from time to time. Further, the returns from the types of securities in which a Scheme invests may under perform returns from the various general securities markets or different asset classes. Different types of securities tend to go through cycles of out-performance and under performance in comparison of the general securities markets. As R* Shares Gold Exchange Traded Fund is not actively managed, the underlying investments may be affected by a general decline in the domestic price of gold and other instruments invested under the plan. R* Shares Gold Exchange Traded Fund invests in the Gold & securities mentioned in the asset allocation regardless of their investment merit. The AMC does not attempt to take defensive positions in declining markets. Further, the fund manager does not make any judgment about the investment merit nor shall attempt to apply any economic, nancial or market analysis. Tracking Error Risk Tracking error means the variance between daily returns of the underlying benchmark (gold in this case) and the NAV of the scheme for any given period. NAV of the Scheme is dependant on valuation of gold. Gold has to be valued as per the formula provided by SEBI in its circular no. SEBI/IMD/CIR No. 2/65348/06 dated April 21, 2006, Gazeted Notication Dated December 20, 2006 and such other circulars as issued by SEBI from time to time. NAV so computed may vary from the price of Gold in the domestic market. Factors such as the fees and expenses of the Scheme, cash balance, changes to the Underlying assets and regulatory policies may affect AMCs ability to achieve close correlation with the Underlying assets of the scheme. The Schemes returns may therefore deviate from those of its Underlying assets. Tracking error could be the result of a various of factors including but not limited to: Delay in the purchase or sale of gold due to Illiquidity of gold, Delay in realisation of sale proceeds, Creating a lot size to buy the required amount of gold The scheme may buy or sell the gold at different points of time during the trading session at the then prevailing prices which may not correspond to its closing prices. The potential for trades to fail, which may result in the Scheme not having acquired gold at a price necessary to track the benchmark price. The holding of a cash position and accrued income prior to distribution of income and payment of accrued expenses. Disinvestments to meet redemptions, recurring expenses, dividend payouts etc. Execution of large buy / sell orders Transaction cost (including taxes and insurance premium) and recurring expenses Realisation of Unit holders funds The scheme will endeavor to minimise the tracking error by Setting off of incremental subscriptions against redemptions, during liquidity window Use of gold related derivative instruments, as and when allowed by regulations Rebalancing of the portfolio

Passive Investments

Given the structure of R* Shares Gold Exchange Traded Fund, the AMC expects the tracking error to be lower. The AMC will endeavor to keep the tracking error as low as possible. Under normal circumstances, such tracking errors are not expected to exceed 2% per annum. However this may vary when the markets are very volatile. Tax Issues Repurchase of R* Shares Gold Exchange Traded Fund by the Fund or sale of R* Shares Gold Exchange Traded Fund by the investor on the Stock Exchange may attract short or long term capital gain tax depending upon the holding period of the Units. Moreover, converting R* Shares Gold Exchange Traded Fund units to Gold may also attract Wealth tax. The tax benets described in this Scheme information document are as available under the present taxation laws and are available subject to relevant conditions. The information given is included only for general purpose and is based on advice received by the AMC regarding the law and practice currently in force in India and the Unit holders should be aware that the relevant scal rules or their interpretation may change. As is the case with any investment, there can be no guarantee that the tax position or the proposed tax position prevailing at the time of an investment or redemption in the Scheme will endure indenitely. In view of the individual nature of tax consequences, each investor is advised to consult his / her own professional tax advisor. Gold is subject to indirect tax not restricted to the following: Sales Tax, Octroi, VAT, Stamp Duty, and Custom Duty. The Mutual Fund is not assuring or guaranteeing that it will be able to make regular periodical distributions/distribute bonus units to its Unit holders though it has every intention to manage the portfolio so as to make periodical income/bonus distributions to Unit holders. Periodical distributions will be dependent on the returns achieved by the Asset Management Company through the active management of the portfolio. Periodical distributions may therefore vary from period to period, based on investment results of the portfolio. 7

Past performance of the Sponsor/ the AMC/ the Mutual Fund is not indicative of the future performance of the Scheme. R* Shares Gold Exchange Traded Fund is the name of the Scheme and does not in any manner indicate either the quality of the Scheme; its future prospects or returns. All dividend distributions are subject to the availability of distributable surplus in the Scheme. When an investor switches from this scheme to another scheme on a future date, the scheme specic risk factors applicable to such scheme into which he switches, will apply. Right to Limit Redemption The Trustee may, in the general interest of the Unit holders of the Scheme under this Scheme Information Document and keeping in view the unforeseen circumstances / unusual market conditions, limit the total number of Units which may be redeemed on any Business Day to 5% of the total number of Units then issued and outstanding under any Scheme / Plan or such other percentage as the Trustee may determine. The Trustee may, at its sole discretion in response to unforeseen circumstances or unusual market conditions including, but not limited to, extreme volatility of the stock, xed income and money markets, extended suspension of trading on the stock exchanges, natural calamities, communication breakdowns, internal system breakdowns, strikes, bandhs, riots or other situations where the Trustee in consultation with RCAM, considers that such suspension is necessary, limit the total number of Units which may be redeemed on any Business Day to 5% of the total number of Units then in issue or such higher percentage as the Trustee may determine in any particular case. Any Units, which by virtue of these limitations are not redeemed on a particular Business Day, will be carried forward for redemption to the next Business Day, in the order of receipt. Redemptions so carried forward will be priced on the basis of the Redemption Price of the Business Day on which redemption is made. Under such circumstances, to the extent multiple redemption requests are received at the same time on a single Business Day, redemptions will be made on pro-rata basis, based on the size of each redemption request, the balance amount being carried forward for redemption to the next Business Day(s). The Custodian The Trustee has appointed Deutsche Bank, who have been approved by SEBI to act as Custodian for Mutual Funds including gold exchange traded funds vide registration no. IN/CUS/003, as the Custodian for R* Shares Gold Exchange Traded Fund. The registration of the Custodian is still valid and effective. The custodian shall hold the custody and possession of the securities and investment of the Fund and will discharge all the functions as are ordinarily discharged by a Custodian. It does not have any power or authority to sell or dispose of or deal with the securities/investment held by it on behalf of the Fund except as instructed by the AMC. The Trustee reserves the right to change the custodian, if required. In terms of Custody Agreement in accordance with SEBI Regulations, entered into with Deutsche Bank as amended from time to time, the Custodian shall, inter alia: Provide post-trading and custodial services to the Mutual Fund; Keep gold, Gold Related Instruments, securities and other instruments belonging to the Scheme in safe custody; Ensure smooth inflow/outflow of gold, Gold Related Instruments, securities and such other instruments as and when necessary, in the best interests of the Unit holders; Ensure that the benefits due to the holdings of the Mutual Fund are recovered; and Be responsible for loss of or damage to the gold, Gold Related Instruments, securities due to negligence on its part or on the part of its approved agents.

The Custodian will charge the Mutual Fund, portfolio fee, transaction fee and out-of-pocket expenses in accordance with the terms of the Custody Agreement and as per any modication made thereof from time to time. Role Of The Custodian The Custodian is responsible for safekeeping of the Schemes gold deposited with it by an Authorised Participants in connection with the creation of Baskets. The Custodian is responsible for allocating specic bars of gold bullion to the scheme Allocated Account. The Custodian will provide the AMC with regular reports detailing with identifying the gold bars held in the scheme Allocated Account. The Custodian may also from time to time act as Authorized Participants or purchase or sell gold or units for their own account, as agent for their customers and for accounts over which they exercise investment discretion. Custody Of the Schemes Gold Custody of the gold bullion deposited with and held by the scheme is provided by the custodian at its Vaults in Mumbai and other places. The custodian, as instructed by the AMC, is authorized to accept, on behalf of the AMC, deposits of gold. On the instructions given by the AMC, the custodian allocates gold by selecting bars of gold bullion for deposit to the schemes allocated account. The AMC and the custodian enter into the custody agreements, which establish the allocated account. The gold deposited with the scheme is held in the scheme allocated account. Under the agreement entered into by the AMC and the custodian, the custodian is responsible for the safekeeping of the gold held on behalf of the AMC. The custodian is responsible for any loss or damage suffered by the scheme as a direct result of any negligence, fraud or willful default in the performance of its duties. The custodians liability is limited to the market value of the gold held in the schemes allocated account at the time such negligence, fraud or willful default is discovered by the custodian, provided that the custodian promptly noties the AMC of its discovery. In the event of a loss caused by the failure of the custodian to exercise reasonable care, the AMC has the right to seek recovery with respect to the loss against the custodian in breach. Allocated Accounts An allocated account is an account with a Bank or Custodian, to which individually identied gold bars owned by the account holder are credited. The gold bars in an allocated gold account are specic to that account and are identied by a list which shows, for each gold bar, the rener, assay or neness, serial number and ne weight. The account holder has full ownership of the gold bars and, except as instructed by the account holder, the Bank or Custodian may not trade, lease or lend the bars. 8

Transfer of Gold At the end of each business day gold is transferred to the schemes allocated account. The custodian allocates specic bars of gold from its gold stocks, so that allocated gold bars represent the amount of gold credited to the extent such amount is representable by whole bars. The bars of gold should be held directly by the Custodian. The custodian updates its records at the end of each business day to identify the specic bars of gold allocated to the scheme. The withdrawal of gold from the scheme for the purpose of redemption will follow the same procedure in the reverse order. Description Of The Custody Agreements Reports The custodian provides the AMC with reports for each business day, no later than the following business day, identifying the movements of gold in and out of the schemes allocated account. The monthly statement contains sufcient information to identify each bar of gold held in the scheme allocated account and the custodian or subcustodian having possession of such bar. Sub-Custodians The custodian may select Subcustodians to perform any of its duties, including holding gold for it. The sub-custodians selected by the custodians will have to be informed by the custodians to the AMC. Any additions or deletion of subcustodians will have to be reported to the AMC on a periodic basis. Custodian may, with the prior written consent of AMC, entrust Gold held in the Account to a specied subcustodian that is eligible to act as a custodian of Gold under applicable laws and regulations (a Sub-Custodian) selected by Custodian with due care. The custodian shall remain responsible in all respects to its client for safekeeping of the gold kept with such other person, including any associated risks. The custodian of securities shall continue to fulll all duties to the clients relating to the gold so kept with the other person. Role of Sub custodian Safe keeping and segregation of gold bars belonging to the Scheme. Ensuring proper receipt, safekeeping, accounting and delivery of the gold bars from the place of collection to sub-custodians vault as well as from sub-custodians vault to the counterparty as specied and directed by the Custodian. Providing security for the gold bars belonging to the Scheme and equipping the vault with security features as per best International Standards and requirements of the Insurer.. Facilitating safe transportation of gold bars belonging to the scheme, by providing armed security, armoured vans and taking other precautions. Providing all other support services and facilities to ensure safe custody of gold bars as well as for uninterrupted operation of the vaults. The Insurance of the Gold bars will be the responsibility of the Custodian. Deutsche Bank has appointed a sub-custodian after carrying out necessary due diligence of the sub-custodian in line with RBIs Outsourcing Policy and best International Practices. Deutsche Bank may not restrict itself to operating through a single sub-custodian but will explore availing the services of more than one sub custodian based on the clients needs.

Appointment of sub-custodian

Loss / Damage of Physical Gold and Securities Deutsche Bank will be responsible for loss of / or damage to the physical gold and securities due to fraud, bad faith, negligence,willful neglect, default, or willful default on its part or on the part of its approved agents. Location & Segregation of Gold Gold held for schemes allocated account by the custodian or sub-custodians appointed by the custodians is held at the custodians Vaults in Mumbai. The custodians books and records will identify every bar of gold held in the schemes allocated account in its own vault by rener, assay or neness, serial number and gross and ne weight. The AMC may upon reasonable notice, visit the custodians premises and examine the schemes gold held there and the custodians records concerning the schemes allocated account. The AMCs independent auditors may also visit the custodians premises in connection with their audit of the nancial statements of the scheme. The custodian will ensure adequate insurance for its bullion and custody business. The AMC and the sponsor may subject to condentiality restrictions, review this insurance coverage from time to time. In this Scheme Information Document, the following words and expressions shall have the meaning specied below, unless the context otherwise requires: Applicable (NAV) Net Asset Value Applicable NAV is the Net Asset Value per Unit at the close of the Business Day on which the application for purchase or redemption/switch is received at the designated investor service centre and is considered accepted on that day. An application is considered accepted on that day, subject to it being complete in all respects and received prior to the cut-off time on that Business Day.

Insurance

D. DEFINITIONS AND ABBREVIATIONS

Asset Management Company Reliance Capital Asset Management Limited, the Asset Management Company incorporated under the (AMC/RCAM)/ Investment Companies Act,1956, and authorized by SEBI to act as the Investment Manager to the Schemes of Manager Reliance Mutual Fund. 9

Allotment Price

Application Form AMFI Authorised Participants Collecting Bank Continuous Offer Custodian Crore Creation unit

Allotment price is the price at which each unit will be allotted and will be equal to the face value of Rs100/- plus premium equivalent to the difference between the face value and price of one gram of gold on the date of allotment. Application form for subscribing to Units of R* Shares Gold Exchange Traded Fund as specied in this Scheme Information Document. Association of Mutual Fund in India. Member of the National Stock Exchange or Bombay Stock Exchange of any other recognised stock exchange or any other person who is appointed by the AMC to act as Authorised Participant as decided by the AMC. Branches of Banks for the time being authorized to receive application(s) for units, as mentioned in this document. Offer of the Units when the scheme becomes open-ended after the closure of the New Fund Offer. Deutsche Bank, NV Mumbai, acting as Custodian to the Scheme, or any other custodian who is appointed by the Trustee. Ten Million Indian Rupees Creation unit is the number of units of scheme, which is exchanged against a predened quantity and purity of physical Gold called the Portfolio Deposit and a Cash Component. For redemption of units it is vice-versa i.e. xed number of units of scheme are exchanged for Portfolio Deposit and Cash Component.

Creation Unit is a xed number of R* Shares Gold Exchange Traded Fund, which is exchanged for Portfolio Deposit which would consist of physical Gold of dened purity and quantity and/or Cash Component. The facility of creating/redeeming units in Creation Unit size will be available with the Authorised Participants (whose names will be available on the website of the Fund i.e. (www.reliancemutual.com) on the ongoing basis. Each creation unit consists of 1000 units of R* Shares Gold Exchange Traded Fund and cash component, if any. CDSL Central Depository Services (India) Ltd. Designated Investor Service Any location as may be dened by the Asset Management Company from time to time, where investors Centres (DISC) / Official point can tender the request for subscription, redemption or switching of units, etc. of acceptance for transaction) Depository Depository means a body corporate as dened in the Depositories Act, 1996 (22 of 1996) and includes National Securities Depository Ltd (NSDL) and Central Depository Services Ltd (CDSL). Entry Load Load on subscriptions / switch in. Exit Load Load on redemptions / switch out. ETF Exchange Traded Fund Exchange The Stock Exchange Limited, Mumbai or The National Stock Exchange of India Limited or Bombay Stock Exchange Ltd. or any other exchange where the Units are listed. Foreign Institutional Investors Foreign Institutional Investors, registered with SEBI under the Securities and Exchange Board of India (FII) (Foreign Institutional Investors) Regulations, 1995. Gold Related Instruments Instrument having gold as underlying security, as may be specied by SEBI from time to time Investment Management The Agreement entered into between Reliance Capital Trustee Co. Limited and Reliance Capital Asset Agreement (IMA) Management Limited by which RCAM has been appointed the Investment Manager for managing the funds raised by RMF under the various Schemes and all amendments thereof. Lakh One hundred thousand LBMA London Bullion Market Association Large investor Large investor means investors who are eligible to invest in the Scheme and who would be creating units of R* Shares Gold Exchange Traded Fund in creation unit size by depositing predened quantity and purity of physical gold or cash which should be acceptable by the Custodian for such purposes. Further large investor would also mean those investors who would be redeeming units of R* Shares Gold Exchange Traded Fund in creation unit size. However vide addendum dated February 10, 2009, this facility of creation/ redemption of units in Creation Unit Size shall no longer be available to large investors, which may please be noted. Load A charge that may be levied as a percentage of NAV at the time of entry into the scheme or at the time of exiting from the scheme. Local Cheque A Cheque handled locally and drawn on any bank, which is a member of the bankers clearing house located at the place where the application form is submitted. Mutual Fund Regulations Securities and Exchange Board of India (Mutual Funds) Regulations as amended from time to time and (Regulations) such other Regulations as may be in force from time to time to regulate the activities of Mutual Funds. Net Asset Value (NAV) Net Asset Value of the Units in each plan of the Scheme is calculated in the manner provided in this Scheme Information Document or as may be prescribed by Regulations from time to time. The NAV will be computed upto four decimal places. Non-Resident Indian (NRI) Non-Resident Indian. NSDL National Securities Depository Ltd OTC Over the counter. Person of Indian Origin (PIO) Person of Indian Origin 10

Purchase Price

Purchase Price to the investor of Units of any of the plans computed in the manner indicated in this Scheme Information Document. Portfolio Deposit These are LBMA Good Delivery physical gold bars imported by Banks authorized by RBI to deal in Gold and other securities. The value of gold and other instruments will be linked to the domestic prices of gold. Portfolio Deposit can change from time to time. Reserve Bank of India (RBI) Reserve Bank of India, established under the Reserve Bank of India Act, 1934. Reliance Mutual Fund (RMF) / Reliance Mutual Fund (formerly known as Reliance Capital Mutual Fund), a Trust under Indian Trust Act, Mutual Fund/the Fund 1882 and registered with SEBI vide registration number MF/022/95/1 dated June 30, 1995. Reliance Capital Trustee Co. Reliance Capital Trustee Co. Limited, a Company incorporated under the Companies Act, 1956, and Limited (RCTC) /Trustee / authorized by SEBI and by the Trust Deed to act as the Trustee of RMF. Trustee Company Reliance Capital Limited (RCL) Reliance Capital Limited /Sponsor/Settlor Redemption Price Redemption Price to the investor of Units of any of the plans computed in the manner indicated in this Scheme Information Document. Registrar /Karvy Karvy Computershare Pvt. Ltd., who have been appointed as the Registrar or any other Registrar who is appointed by RCAM. Statement of Additional Statement of Additional Information, the document issued by Reliance Mutual Fund containing details of Information (SAI) Reliance Mutual Fund, its constitution, and certain tax, legal and general information. SAI is legally a part of the Scheme Information Document Scheme R* Shares Gold Exchange Traded Fund, An Open - ended Gold Exchange Traded Fund. Scheme Information Document Scheme Information Document issued by RMF, offering units of R* Shares Gold Exchange Traded Fund for (SID) Subscription. Securities and Exchange Board Securities and Exchange Board of India (Mutual Funds) Regulations, 1996 as amended from time to time, of India (SEBI) including by way of circulars or notications issued by SEBI and the Government of India. Trust Deed The Trust Deed entered into on April 24, 1995 between the Sponsor and the Trustee, and all amendments thereof. Trust Fund The corpus of the Trust, unit capital and all property belonging to and/or vested in the Trustee. Tracking Error Tracking error means the variance between daily returns of the underlying benchmark (gold in this case) and the NAV of the scheme for any given period. Unit The interest of the investors in any of the plans, of the scheme which consists of each Unit representing one undivided share in the assets of the corresponding plan of the scheme. Unitholder A person who holds Unit(s) under the scheme. Unitholders Record Unitholders whose names appear on the unitholders register of the concerned plan/(s) on the date of determination of Dividend/Bonus, subject to realisation of the cheque. Underlying Stock / Securities Instruments invested in by the Fund manager, other than gold and Gold Related Instruments, for the scheme, subject to the approval of the Regulator and / or in compliance with the Regulations. Working Day / Business Day Any day, other than a Saturday or Sunday or any day on which Banks in Mumbai are Closed for commercial transactions or The Stock Exchange, Mumbai and/or National Stock Exchange/ Bombay Stock Exchange are closed for transactions or a day on which banks are open but The Stock Exchange, Mumbai and/or The National Stock Exchange/Bombay Stock Exchange are closed for transactions or a day on which sale of units is suspended by the AMC / Trustee or a day on which normal business could not be transacted due to storms, oods, bandhs, strikes or any other calamities, etc, subject to modications by RCAM from time to time.

Words and Expressions used in this Scheme Information Document and not defined shall have the same meaning as in the Regulations. It is confirmed that: 1. 2. 3. The Scheme Information Document of R* Shares Gold Exchange Traded Fund, forwarded to SEBI, is in accordance with the SEBI (Mutual Funds) Regulations, 1996 and the guidelines and directives issued by SEBI from time to time. All legal requirements connected with the launching of the Scheme as also the guidelines, instructions etc., issued by the Government and any other competent authority in this behalf, have been duly complied with. The disclosures made in the Scheme Information Document are true, fair and adequate to enable the investors to make a well informed decision regarding investment in the proposed Scheme.

E. DUE DILIGENCE BY THE ASSET MANAGEMENT COMPANY

4. The intermediaries named in the Scheme Information Document and Statement of Additional Information are registered with SEBI and their registrations are valid, as on date, to the best of our knowledge and belief. Sd/Mumbai September 26, 2012 Muneesh Sud Designation: Head - Legal, Secretarial & Compliance

Note: The Due Diligence Certicate as stated above was submitted to the Securities and Exchange Board of India on September 27, 2012. 11

II. INFORMATION ABOUT THE SCHEME R* Shares Gold Exchange Traded Fund
A. TYPE OF THE SCHEME An Open ended Gold Exchange Traded Fund that tracks the domestic prices of gold through investments in physical Gold. The investment objective is to seek to provide returns that closely correspond to returns provided by price of gold through investment in physical Gold (and Gold related securities as permitted by Regulators from time to time). However, the performance of the scheme may differ from that of the domestic prices of Gold due to expenses and or other related factors. However, there can be no assurance that the investment objective of the scheme will be achieved. Under normal circumstances, the anticipated asset allocation would be: Instruments Physical Gold or Gold Related Instruments as permitted by regulators from time to time# Money Market instruments, Bonds, Debentures, Government Securities including T-Bills, Securitised Debt* & other debt securities as permitted by regulators from time to time Indicative asset allocation (% of total assets) Minimum 90% 0% Maximum 100% 10% Medium to High Low to Medium Risk Profile B. WHAT IS THE INVESTMENT OBJECTIVE OF THE SCHEME?

C. HOW WILL THE SCHEME ALLOCATE ITS ASSETS?

# Presently, investment only in physical gold is allowed as per SEBI guidelines. Investment in gold or gold related instruments may be undertaken as and when permitted by SEBI. *Upto 10% in securitised debt Use of gold related derivative instruments, as and when allowed by regulations The above Asset Allocation Pattern is only indicative. The investment manager in line with the investment objective as may alter the above pattern for short term and on defensive consideration. The Fund will, in general invest a signicant part of its corpus in Physical Gold or Gold Related Instruments as permitted by regulators from time to time (as per the asset allocation mentioned above). Presently, investment only in physical gold is allowed as per SEBI guidelines. Investment in gold or gold related instruments may be undertaken as and when permitted by SEBI. However pending investments, the surplus amount of the Fund shall be invested in securitized debt, other debt securities, bonds and money market instruments as permitted by regulators from time to time. Purchase of Gold Bars The Fund will purchase Gold Bars from the RBI Authorised Banks and Agencies that are Rened at LBMA Registered Reners (Updated list of the Reners can be obtained from the LBMA Website www.lbma.org.uk). WHAT ARE THE INVESTMENT STRATEGIES? The fund manager would use a passive approach to try and achieve the investment objective of the scheme. The fund manager shall not try to beat the Gold Market, but aims to replicate the returns, which commensurate the returns generated, by Gold during that period. It will however endeavor to seek temporary defensive positions when markets decline or appear over valued to the extent of its investment in Money Market or other debt securities. The fund manager would not make any judgment about the investment merit of a particular security nor will it attempt to apply any economic, nancial or market analysis. This style of Passive Fund Management would eliminate the risks involved with active management with regard to over / underperformance vis--vis a benchmark. The Fund will, in general invest a signicant part of its corpus in Physical Gold or Gold Related Instruments as permitted by regulators from time to time (as per the asset allocation mentioned above). Presently, investment only in physical gold is allowed as per SEBI guidelines. Investment in gold or gold related instruments may be undertaken as and when permitted by SEBI. However pending investments, the surplus amount of the Fund shall be invested in securitized debt, other debt securities, bonds and money market instruments as permitted by regulators from time to time. Also whenever good investment opportunity is not available in the view of the Fund manager, the Fund will reduce its exposure to gold and Gold Related instruments and during that period the surplus asset of the Fund shall be invested in securitized debt, other debt securities, bonds and money market instruments. However there is no assurance that all such buying and selling activities would necessarily result in benet for the Fund. The allocation will be decided based upon the prevailing market conditions, prices of gold, macro economic environment, and the performance of the corporate sector, the debt market and other considerations. At times, such churning could lead to higher brokerage and transaction costs. To achieve its primary objective as mentioned above, the Fund would invest in gold and Gold Related Instruments as permitted by regulators from time to time. To achieve its secondary objective, the fund would invest in securitized debt, other debt securities, bonds and money market securities as permitted by regulators from time to time. These securities could include: Obligations of Indian Companies (both public and private sector) including term deposits with the banks as permitted by SEBI/ RBI from time to time and developmental nancial institutions 12

D. WHERE WILL THE SCHEME INVEST?

E.

Certificate of Deposits (CDs) Commercial paper (CPs) In Securitized Debt upto 10% of the corpus. The non-convertible part of convertible securities Any other domestic fixed income securities Money market instruments permitted by SEBI/ RBI, having maturities upto 1 year in call money market instruments as may be provided by the RBI to meet the liquidity requirements Any other instruments as allowed by the Regulations from time to time. The Fund may also enter into Repo, or such other transactions as may be allowed to Mutual Funds from time to time. Subject to the Regulations, the investments may be in securities which are listed or unlisted, secured or unsecured, rated or unrated, having variable maturities, and acquired through secondary market purchases, RBI auctions, open market sales conducted by RBI etc., Initial Public Offers (IPOs), other public offers, placements, rights, offers, negotiated deals, etc The Scheme may also enter into repurchase and reverse repurchase obligations in all securities held by it as per the guidelines and Regulations applicable to such transactions. No investments shall be made in foreign securitised debt.

Investment Process The AMC will initially decide the quantity of gold to be imported / procured and kept with the Custodian (who acts as a warehouse/ custodian for the Fund). Against this quantity, AMC issues units to the investor. Therefore the entire corpus (except for some portion to meet liquidity) shall be invested upfront into Gold. Case for Investing In Gold The price of gold is the benchmark. All forms of investments carry some degree of risk. Holding gold directly also has risks. However, including gold in a well-balanced portfolio can help diversify risk. Golds ability to serve as a portfolio diversiecation is due to its historically low-tonegative correlation with stocks and bonds. The economic forces that determine the price of gold are different from the forces that determine the prices of most nancial assets. The price of gold depends upon various factors, including the supply and demand for gold, the strength or weakness of major foreign currency especially dollar, the rate of ination, and interest rates and the current political environment. Gold is not subject to the risk of default or bankruptcy. Tracking Error Tracking error means the variance between daily returns of the underlying benchmark (gold in this case) and the NAV of the scheme for any given period. NAV of the Scheme is dependant on valuation of gold. Gold shall be valued based on the formula mentioned in SEBI circular no. SEBI/IMD/CIR No. 2/65348/06 dated April 21, 2006, Gazeted Notication Dated December 20, 2006 and such other circulars as issued by SEBI from time to time. NAV so computed may vary from the price of Gold in the domestic market. Factors such as the fees and expenses of the Scheme, corporate actions, cash balance, changes to the Underlying assets and regulatory policies may affect AMCs ability to achieve close correlation with the Underlying assets of the scheme. The Schemes returns may therefore deviate from those of its Underlying assets. Tracking error could be the result of a variety of factors including but not limited to: Delay in the purchase or sale of gold due to Illiquidity of gold, Delay in realisation of sale proceeds, The scheme may buy or sell the gold at different points of time during the trading session at the then prevailing prices which may not correspond to its closing prices. The potential for trades to fail, which may result in the Scheme not having acquired gold at a price necessary to track the benchmark price. The holding of a cash position and accrued income prior to distribution of income and payment of accrued expenses. Disinvestments to meet redemptions, recurring expenses, dividend payouts etc. Execution of large buy / sell orders Transaction cost (including taxes and insurance premium) and recurring expenses Realisation of Unit holders funds Setting off of incremental subscriptions against redemptions, during liquidity window Use of gold related derivative instruments, as and when allowed by regulations Rebalancing of the portfolio

Creating a lot size to buy the required amount of gold

The scheme will endeavor to minimise the tracking error by

Investment Philosophy and Focus India today is the worlds largest democracy with a vibrant electorate, active Judiciary and civil society groups, and a ercely independent media. For thousand of years, gold has been prized for its parity, its beauty, and above all its unique characteristics as a store of value. In todays uncertain climate, many investors turn to gold because it is an important and secure asset that can be tapped at any time, under virtually any circumstances. But there is another side to gold that is equally important, and that is its day-to-day performance as a stabilizing inuence for investment portfolio. These advantages are currently attracting considerable attention from nancial professionals and sophisticated investors worldwide. 13

Recent independent studies have revealed that traditional diversiers often fall during times of market stress or stability. On these occasions most asset classes (including traditional diversiers such as bonds and alternative assets) all move together in the same direction. There is no cushioning effect of a diversied portfolio - leaving investors disappointed. However, a small allocation of gold has been proven to signicantly improve the consistency of portfolio performance, during both stable and unstable nancial periods. Greater consistency of performance leads to a desirable outcome - an investor whose expectations are met. The consumers and public have realized the benets of liberalization through increase in the choice and quality of products and decrease in prices. The business and industry have also adjusted themselves with the liberalization and globalization. The unprecedented high level of foreign exchange reserves, upward trend in FDI inows and the general growth of the economy has given more condence and encouragement to the policy-makers to further accelerate its economic reforms and liberalization process. Both at the central and state levels and across political parties, in general, there is consensus on further economic liberalization. The Macro view India is a major player in the global gold market, both through ownership and annual flow of purchases of gold, and through enormous success in the labour-intensive export-oriented jewellery business. Modernisation of the gold market has been a long-standing policy goal in India. A key element of modernising any financial market is shifting away from closed clubs of dealers engaging in private transactions and bilateral negotiation, to a framework with anonymous trading taking place between participants from all across the country, all of whom are on a level playing eld. An essential feature of modernisation of nance is the removal of entry barriers, so that it is easy for nance companies to enter and exit any kind of nancial activity. RGF promises to be a step forward for the gold spot market in offering such a trading framework, characterised by nationwide participation by households and without entry barriers faced by nance companies. RGF is a gold spot instrument, which is distinct from gold futures. However, there are synergies between both initiatives, since they both strengthen different aspects of the gold market. A strong gold ETF market helps to strengthen the gold futures market, and vice versa.

The Micro View From the narrow viewpoint of a household also, the RGF offers many benets. Gold is a part of the portfolio of millions of households in the country. For households, the gold ETF offers the following advantages. Zero concerns about physical security, theft or adulteration when faced with the tasks of custody and spot transactions. A transparent secondary market, which will offer reduced transactions costs when compared with existing OTCtransactions on the gold spot market. The existing unregulated spot market suffers from acute problems of wide bid -offer spreads, and penalisation of customers on questions of purity. Once banks and other moneylenders accept the transparency and liquidity of the Gold ETF, it would become possible to pledge Gold ETF Units as collateral for loans. This would greatly assist many low-income households by easing the credit constraints that they face. A household which may possess physical gold today would, in comparison, obtain more limited credit access owing to concerns about the purity and liquidity of the physical gold. In contrast, the Gold ETF Units will eliminate concerns about purity, and will offer assured secondary market liquidity. R* Shares Gold Exchange Traded Fund is likely to trade in Units which correspond to 0.1 grams of gold. This would make transactions accessible to a large number of households who presently nd it difcult to do transactions of 1 gram or 1 tola of gold.

Debt market in India The Indian Debt market is facing major shift in the recent times. The substantial growth in Mutual Fund collections in the past few years have provided an easy route for the investors to channelise their savings into the debt market, which otherwise is largely dominated by Banks and other Institutional investors. At present, the Indian debt market is dominated by issues of Central Government bonds, Coporate Debentures and PSU Bonds. The new Securitised instruments are also very attractive in the primary market. Risk associated with securitized Debt or PTCs are credit risk, liquidity risk and price risk/interest rate risk. The other instruments available for investment are Commercial Papers, Certicate of Deposits, Government guaranteed bonds, etc. Brief details about the instruments are given below as on September 4, 2012. Instruments Central Government Securities Corporate Debentures / PSU Bonds CDs (short term) Call Money Mibor linked Papers Listed/ Unlisted Listed Listed Unlisted Unlisted Listed Current Yield Range As on September 4, 2012. 8.00%- 8.62% 9.17%-9.23% 8.35%-9.00% 7.50%- 8.00% 200-210 bps Liquidity High Moderate High High Low Risk profile Low Low Low Low Low

A brief description about yields presently available on Central Govt. Securities /Bonds & Debentures of various maturities is as follows: Annualised yields (as on September 4, 2012.) are: Yrs Central Government securities Debentures / Bonds (AAA rated) =< 1yr 8.15%-8.20% 9.17%-9.20% 2-6yrs 8.16%-8.44% 9.24%-9.26% 7-10yrs 8.38%-8.54% 9.23%-9.25% 11-20 yrs 8.54%-8.76% -

The price and yield on various debt instruments fluctuate from time to time depending upon the macro economic situation, inflation rate, overall liquidity position, foreign exchange scenario, etc. Also, the price and yield varies according to maturity profile, credit risk etc 14

Portfolio Turnover Policy Given the nature of the scheme, the portfolio turnover ratio may be high and AMC may re-allocate the portfolio according to liquidity requirements, commensurate with the investment objectives of the scheme. The effect of higher portfolio turnover may result in higher expenses and transaction costs. FUNDAMENTAL ATTRIBUTES For the purposes of this section, "fundamental attributes" of the scheme shall mean: (i) Type of Scheme An Open ended Gold Exchange Traded Fund that tracks the domestic prices of gold through investments in physical gold. i. ii. Main Objective: Refer to Section II - B : What is the Investment Objective of the Scheme? Investment pattern : Refer to Section II - C : How will the Scheme allocate its assets? (ii) Investment Objectives

F.

(iii) Terms of Issue a) Liquidity provisions such as repurchase/redemption of units As R* Shares Gold Exchange Traded Fund is listed on the Exchange, subsequent buying or selling by Unit holders can be made from the secondary market. The minimum number of Units that can be bought or sold on the exchange is 1 (one) unit. All investors may sell their units in the stock exchange(s) on which these units are listed on all the trading days of the stock exchange. Repurchase / redemption of units as referred to Redemption. New Fund Offer (NFO) Expenses : Refer to Section IV - A : New Fund Offer (NFO) Expenses

b) Aggregate Fees and expenses charged to the Scheme ii) Annual Scheme Recurring Expenses : Refer to Section IV - B : Annual Scheme Recurring Expenses c) Any safety net or guarantee provided Not Applicable In accordance with Regulation 18(15A) of the SEBI (MF) Regulations, the Trustees shall ensure that no change in the fundamental attributes of the Scheme(s) and the Plan(s) / Option(s) thereunder or the trust or fee and expenses payable or any other change which would modify the Scheme(s) and the Plan(s) / Option(s) thereunder and affect the interests of Unitholders is carried out unless: A written communication about the proposed change is sent to each Unitholder and an advertisement is given in one English daily newspaper having nationwide circulation as well as in a newspaper published in the language of the region where the Head Ofce of the Mutual Fund is situated; and The Unitholders are given an option for a period of 30 days to exit at the prevailing Net Asset Value without any exit load.

i)

G. HOW WILL THE SCHEME BENCHMARK ITS PERFORMANCE? As there are no indices catering to the gold sector/securities linked to Gold, currently R* Shares Gold Exchange Traded Fund shall be benchmarked against the price of Gold. Purity of Gold: All gold bullion held in the schemes allocated account with the custodian shall be of neness (or purity) of 995 parts per 1000 (99.5%) or higher. Name Hiren Chandaria Age Educational Qualification Type and Nature of past experience including assignments held Name of the during the past 10 years Scheme managed Prior to joining mutual fund arena he was a commodity trader with Reliance Gold proprietary desk of Reliance Capital. He had also been working on Savings Fund analysing various commodities and working on commodity linked products He has been working with Reliance ADA group since November 2005. Hiren has undertaken various commodity related projects during the last few years.

H. WHO MANAGES THE SCHEME?

31 Commerce graduate Years and Masters in Business Administration (MMS/ MBA) with Finance major

I.

WHAT ARE THE INVESTMENT RESTRICTIONS?

The investment policy of the scheme comply with the rules, regulations and guidelines laid out in SEBI (Mutual Funds) Regulations, 1996. As per the Regulations, gold exchange traded fund scheme shall be subject to the following investment restrictions: 1. The funds of any such scheme shall be invested only in gold or Gold Related Instruments in accordance with its investment objective, except to the extent necessary to meet the liquidity requirements for honouring repurchases or redemptions, as disclosed in the scheme information document. 2. Pending deployment of funds of the scheme in securities in terms of the investment objectives and policies of the scheme, the Mutual Fund can invest the fund of the scheme in short term deposits of scheduled commercial banks subject to the guidelines as applicable from time to time Where the cash in the scheme is parked in short term deposits of Scheduled Commercial Banks pending deployment, the scheme shall abide by the following guidelines: Short Term for parking of funds shall be treated as a period not exceeding 91 days. Such short-term deposits shall be held in the name of the Scheme. The scheme shall not park more than 15% of the net assets in short term deposit(s) of all the scheduled commercial banks put together. However, such limit may be raised to 20% with prior approval of the Trustee. 15

1.

Parking of funds in short term deposits of associate and sponsor scheduled commercial banks together shall not exceed 20% of total deployment by the Mutual Fund in short term deposits. The scheme shall not park more than 10% of the net assets in short term deposit(s), with any one scheduled commercial bank including its subsidiaries. The scheme shall not park funds in short term deposit of a bank, which has invested in the Scheme

Further, as per the Seventh Schedule, the following investment limitations are currently applicable to its investments in the Underlying Stock: The scheme shall not invest more than 15% of its NAV in debt >instruments issued by a single issuer which are rated not below investment grade by a credit rating agency authorised to carry out such activity under the Act. Such investment limit may be extended to 20% of the NAV of the scheme with the prior >approval of the Board of Trustees and the Board of asset management company or any Committee constituted thereof: Provided that such limit shall not be applicable for investments in Government securities. Provided further that investment within such limit can be made in mortgaged backed securitised debt which are rated not below investment grade by a credit rating agency registered with the Board. No mutual fund scheme shall invest more than thirty percent of its net assets in money market instruments of an issuer: Provided that such limit shall not be applicable for investments in Government securities, treasury bills and collateralized borrowing and lending obligations.

2.

3. The Scheme shall not invest more than 10% of its NAV in unrated debt instruments issued by a single issuer and the total of such instruments shall not exceed 25% of the NAV of the Scheme. All such investments will be made with the prior approval of the Board of Trustees and the Board of asset management company or any Committee constituted thereof.

Note: Debentures, irrespective of any residual maturity period (above or below one year), shall attract the investment restrictions as applicable for debt instruments as specied above. Further, it is claried that the investment limits mentioned above are applicable to all debt securities which are issued by public bodies/institutions such as electricity boards, municipal corporations, state transport corporations etc. guaranteed by either central or state government. Government securities issued by central/state government or on its behalf by RBI are exempt from the above referred investment limits. 4. The AMC would monitor the tracking error of the scheme on an ongoing basis and would seek to minimise tracking error to the maximum extent possible. Given the structure of R* Shares Gold Exchange Traded Fund, the AMC expects the tracking error to be lower. Under normal circumstances, such tracking errors are not expected to exceed 2% per annum. However this may vary when the markets are very volatile. 5. Transfers of investments from one scheme to another scheme in the Mutual Fund shall be allowed only if: a) Such transfers are done at the prevailing market price for quoted instruments on spot basis; b) Explanation: spot basis shall have the same meaning as specied by the stock exchange for spot transactions: and The securities so transferred shall be in conformity with the investment objectives & policies of the Scheme(s) to which such transfer has been made.

6. The Scheme shall not make any investment in any Fund Of Fund scheme or in foreign securities. 7. 8. No term loans for any purpose will be advanced by the Scheme. The Mutual Fund shall buy and sell securities on the basis of deliveries and shall in all cases of purchases, take delivery of relative securities and in all cases of sale, deliver the securities and shall in no case put itself in a position whereby it has to make short sale or carry forward transactions or engage in badla nance :

Provided that a mutual fund may engage in short selling of securities in accordance with the framework relating to short selling and securities lending and borrowing specied by the Board: Provided further that a mutual fund may enter into derivatives transactions in a recognized stock exchange, subject to the framework specied by the Board. 9. Provided further that sale of government security already contracted for purchase shall be permitted in accordance with the guidelines issued by the Reserve Bank of India in this regard. The Scheme will comply with any other regulations applicable to the investments of mutual funds from time to time.

10. The Fund shall not borrow except to meet temporary liquidity needs of the Fund for the purpose of repurchase / Redemption of Units or payment of interest and Dividend to the Unitholders. Provided that the Fund shall not borrow more than 20% of the net assets of any individual Scheme and the duration of the borrowing shall not exceed a period of 6 months.

The Schemes investment in debt will be in transferable securities (whether in capital markets or money markets or in privately placed debentures or securitised debts or bank deposits or money at call). All investment restrictions stated above shall be applicable at the time of making investment. The Scheme will not enter into any transaction, which exposes it to unlimited liabilities or results in the encumbering of its assets in any way so as to expose them to unlimited liability. These investment limitations / parameters as expressed / linked to the net asset / net asset value / capital, shall in the ordinary course, apply as at the date of the most recent transaction or commitment to invest. Changes do not have to be effected merely because of appreciation or depreciation in value or by reason of the receipt of any rights, bonuses or benets in the nature of capital or of any scheme of arrangement or for amalgamation, reconstruction or exchange, or at any repayment or redemption or other reason outside the control of the Fund, any such limits would thereby be breached. If these limits are exceeded for reasons beyond its control, AMC shall adopt as a priority objective the remedying of that situation, taking due account of the interests of the Unitholders. The Trustee Company in consultation with AMC may alter these above stated limitations from time to time, and also to the extent the 16

Regulations change, so as to permit the Scheme to make its investments in the full spectrum of permitted investments in order to achieve its investment objectives & policies. As such, all investments of the Scheme will be made in accordance with the Regulations including Schedule VII thereof and the Fundamental Attributes of this Scheme. At RMF, to ensure robust risk management and adequate portfolio diversication internal Investment policy for various debt schemes has been framed. The investment policy at RMF species limits both on overall basis (across all schemes) as well as on individual scheme level. Guidelines for following parameters for liquid as well as non liquid schemes have been specied in the policy: 1. Eligible Instruments: Denes the eligible instruments where the scheme can invest 2. Minimum Liquidity: Denes the instruments considered as liquid instruments and the minimum investments in these instruments as a percentage of total net assets 3. Maximum Illiquid component: Denes the instruments considered as illiquid and the maximum investment that can be made in these instruments as a percentage of net assets. 4. Rating: Denes minimum and/ or maximum investment in a particular rating as a percentage of total portfolio 5. Maturity: Dened the weighted average maturity of a portfolio. Also denes the weighted average maturity, maximum and maturity for certain asset types like corporate bond, PTCs, Gilts etc Underwriting by the Scheme The scheme will not accept underwriting and sub underwriting obligations. Investment by the Amc in the Fund RCAM reserves the right to invest its own funds in the Scheme upto a maximum extent of its networth. As per SEBI Regulations, such investments are permitted, subject to disclosure being made in the Scheme Information Document. Further, RCAM shall not charge any fees on its investment in the Scheme, unless allowed to do so under SEBI Regulations in the future. Depository R* Shares Gold Exchange Traded Fund units will be held in dematerialized form and hence the SEBI (Depositories and Participants) Regulations, 1996 would apply. The service charges payable to the depository participant will form part of annual recurring expenses. Policy for Inter-scheme Transfers The Scheme may purchase / sell securities under the Scheme through the mode of Inter-Scheme Transfers, if such a security is under the buy / sell list of this Scheme and is on the sell / buy list of another Scheme under the Fund. Under such circumstances, the transactions will be effected based on the prevailing market price on spot basis and in conformity with Regulations. The valuation of untraded / unquoted securities and debt instruments shall be done in accordance with the general valuation policies of the Fund.

J. HOW HAS THE SCHEME PERFORMED? The Performance of the scheme is as on August 31, 2012 Compounded Annualised Returns Returns for the last 1 year Returns for the last 3 years Returns for the last 5 years Returns since inception (Inception date November 22, 2007) Absolute Returns for each nancial year for the last 5 years Scheme Returns % 14.28 25.61 N.A. 24.15 Benchmark Returns % 15.39 26.83 N.A. 25.95

*Since Inception from 22nd Nov.07 Past performance may or may not be sustained in future Calculation assume that all payouts during the period have been re-invested in the units of the scheme at the then prevailing NAV. All the returns are of Growth Plan - Growth Option Face Value of the Scheme is Rs. 100/- Per unit

17

III. UNITS AND OFFER


This section provides details you need to know for investing in the scheme. A. NEW FUND OFFER (NFO) This section does not apply to the Schemes covered in this SID, as the ongoing offer of the Schemes has commenced after the NFO, and the Units are available for continuous subscription and redemption However details of the NFO relevant during the ongoing offer are provided below: Plans / Options offered Dividend Policy Only Dividend Pay-out Option The dividend proceeds shall be dispatched to the unitholders within 30 days of the date of declaration of the dividend. Dividend declaration / distribution shall be made in accordance with SEBI circular no. SEBI/IMD/CIR No.1/64057/06 dated April 4, 2006 or any amendment thereto from time to time. The relevant paragraph of the said circular is reproduced herein below: Dividend Distribution Procedure for Mutual Funds Regulation 53(a) of SEBI (Mutual Funds) Regulations, 1996 permit the mutual funds to distribute returns including dividend. In line with SEBI MF Regulation the following procedure for Declaration of Dividend will be followed. a) Quantum of dividend and the record date shall be xed by the trustees in their meeting. Dividend so decided shall be paid, subject to availability of distributable surplus. b) Record date shall be the date which will be considered for the purpose of determining the eligibility of investors whose names appear on the register of unit holders (Benpos as on record date) for receiving dividends. Further, the NAV shall be adjusted to the extent of dividend distribution and statutory levy, if any, at the close of business hours on record date. c) Within one calendar day of the decision by the trustees, AMC shall issue notice to the public communicating the decision including the record date. The record date shall be 5 calendar days from the issue of notice.

d) Such notice shall be given in one English daily newspaper having nationwide circulation as well as in a newspaper published in the language of the region where the head ofce of the mutual fund is situated. e) Before the issue of such notice, no communication indicating the probable date of dividend declaration in any manner whatsoever, may be issued by any mutual fund or distributors of its products. The Scheme will have only Dividend Payout option. Dividend declared under the scheme, if any, will be paid to the unit holders within 30 days from the declaration of the dividend. Dividend will be distributed from the available distributable surplus after the deduction of TDS and applicable surcharge etc, if any. If and when dividends are declared, dividends will be distributed to all unit holders registered on the registers of the depositories on the record date. NOTE For all tax related matters referred above, please read the Section of this scheme information document on Tax Benets. In view of the individual nature of tax benets, each investor is advised to consult his or her own tax consultant with respect to the specic tax implications arising out of his or her participation in the scheme. Effect of Dividends As with the redemption of Units, when dividends are declared and paid with respect to the Scheme, the net assets will stand reduced by an amount equivalent to the product of the number of units outstanding and the dividend amount perunit declared on the record date. Mode of Payment of Dividends Regulation 53(a) of SEBI (Mutual Funds) Regulations, 1996 permits the mutual funds to distribute returns including dividend. As per SEBI regulations, it is mandatory for an investor to provide his / her bank account details for the purpose of payment of dividend / redemption proceeds. Dividend declared under the scheme, if any, will be paid to the unit holders as follows: a) Where the unitholders have a bank account with specic banks with whom the fund has a tie up for direct credit to the bank account of unitholders, the net dividend amount will be credited directly to the bank account, under intimation to the unit holder by post/email, on a best effort basis after scrutinising the names of the banks where unitholders have their accounts b) Unitholders who do not wish to avail the above mentioned direct credit facility will receive dividend payments through dividend warrants payable at par . In locations where payable at par facility is not available, dividend payments will be made through demand drafts. c) Since R* Shares Gold Exchange Traded Fund shall be a listed scheme, for declaration of dividend, R* Shares Gold Exchange Traded Fund shall follow the requirements stipulated in the listing agreement. 18

it may be noted that the investors of RMF shall be given the payout of dividend as an additional mode of payment through electronic mode as may be specied by Reserve Bank of India from time to time. This is an additional mode of payments over and above existing mode. In order to effect such payments through electronic mode, data validation exercise will be carried out by RCAM through one of the banking channels which will enable RCAM to validate the investor data with the Bank records. It may be noted that if RCAM unable to provide such credits due to various reasons, then payment will be made in accordance with the mode as specied. Who can invest This is an indicative list. Prospective investors are advised to satisfy themselves that they are not prohibited by any law governing such entity and any Indian law from investing in the Scheme and are authorized to purchase units of mutual funds as per their respective constitutions, charter documents, corporate / other authorizations and relevant statutory provisions. The following persons (subject, wherever relevant, to purchase of units being permitted under their respective constitutions and relevant State Regulations) are eligible to subscribe to the units: Adult Resident Indian Individuals, either singly or jointly (not exceeding three). Non resident Indians and persons of Indian origin residing abroad, on full repatriation basis or on nonrepatriation basis Parents / Lawful guardians on behalf of Minors A Karta on behalf of / in the name of HUF Hindu Undivided Family (HUF) Companies (including Public Sector Undertakings), Bodies Corporate, Trusts (through Trustees) and Cooperative Societies Banks (including Regional Rural Banks) and Financial Institutions Religious and Charitable Trusts (through Trustees), Private Trusts authorised to invest in Mutual Fund schemes under their Trust Deeds Foreign Institutional Investors registered with SEBI Special Purpose Vehicles (SPVs) approved by appropriate authority (subject to RBI approval) International Multilateral Agencies approved by the Government of India Army/Navy/Air Force / Para Military Units and other eligible institutions Unincorporated body of persons as may be accepted by Reliance Capital Trustee Co. Limited Partnership Firms Scientific and Industrial Research Organisations Trustee, AMC or Sponsor or their associates may subscribe to Units under the Schemes. Authorised Participants Reliance Gold Savings Fund can also buy / sell the units from the fund in Creation Unit Size. The investments could be made either directly in R* Shares Gold Exchange Traded Fund or through the secondary market. This facility would provide Reliance Gold Savings Fund an additional source to purchase the units through RCAM in addition to the stock exchange route.

Such other individuals/institutions/body corporate etc., as may be decided by the AMC from time to time, so long as wherever applicable they are in conformity with SEBI Regulations. Note : 1. Non Resident Indians (NRIs) and Persons of Indian Origin (PIOs) residing abroad / Foreign Institutional Investors (FIIs) have been granted a general permission by Reserve Bank of India Schedule 5 of the Foreign Exchange Management (Transfer or Issue of Security by a Person Resident Outside India) Regulations, 2000 for investing in / redeeming units of the mutual funds subject to conditions set out in the aforesaid regulations. Allotment of units for subsequent purchases by NRIs / FIIs / SPVs / International Multilateral Agencies / PIOs shall be in accordance with RBI rules in force. 2. In case of application under a Power of Attorney or by a limited company or a corporate body or an eligible institution or a registered society or a trust fund, the original Power of Attorney or a certied true copy duly notarised or the relevant resolution or authority to make the application as the case may be, or duly notarised copy thereof, alongwith a certied copy of the Memorandum and Articles of Association and/or bye-laws and / or trust deed and / or partnership deed and Certicate of Registration should be submitted. The ofcials should sign the application under their ofcial designation. A list of specimen signatures of the authorized ofcials, duly certied / attested should also be attached to the Application Form. In case of a Trust / Fund it shall submit a resolution from the Trustee(s) authorising such purchases and redemptions. RCAM reserves the right to invest its own funds in the Scheme(s) upto a maximum extent of its networth. As per SEBI Regulations, such investments are permitted, subject to disclosure being made in the respective Scheme information documents (s). Further, RCAM shall not charge any fees on its investment in the Scheme (s), unless allowed to do so under SEBI Regulations in the future. It is expressly understood that at the time of investment, the investor/unitholder has the express authority to invest in units of the Scheme and the AMC / Trustee / Mutual Fund will not be responsible if such investment is ultra-vires the relevant constitution. RCAM reserves the right to include / exclude new / existing categories of investors to invest in this Scheme from time to time, subject to SEBI Regulations, if any. 19

Right to Review Applications RCAM reserves the right to scrutinize, review and reject any application received during the new fund offer period or on an ongoing basis, at its discretion, without assigning any reason, in cases where, according to RCAM, accepting the same would not be in the best interests of the Fund. How to Apply 1) Application Forms will be available at the Designated Investor Service Centers of Reliance Mutual Fund, its Distributors and the ofce of the Registrar. 2) Applications must be completed in block letters in English and duly signed by all the applicants. 3) Applications complete in all respects may be submitted before closure of New Fund Offer Period at the designated branches of collecting bankers at locations mentioned in the Application Form. 4) During the continuous offer, investors can buy units of R* Shares Gold Exchange Traded Fund on a continuous basis on the National Stock Exchange/ Bombay Stock Exchange and/or other recognised stock exchanges where units are listed and traded like any other publicly traded securities at market prices which may be close to the actual NAV of the scheme. The trading lot is one R* Shares Gold Exchange Traded Fund unit. Alternatively, Authorised Participant can directly buy in blocks from the fund in Creation Unit Size on any business day. 5) The Registrars shall allot admissible units to the investor which shall be credited to the investors beneciary account with a Depository Participant (DP) of CDSL or NSDL under suitable intimation to the investor.

For further details, please refer to the SAI and Application form for the instructions. BANK ACCOUNT DETAILS In order to safeguard the interest of unitholders from loss or theft of their redemption cheques or dividend warrant, SEBI has made it mandatory for investors to provide their bank account details. Application Forms without bank details are liable to be rejected. DEMAT ACCOUNT The applicants under the Scheme (including a transferee) will be required to have a beneciary account with a Depository Participant of NSDL/CDSL and will be required to indicate in the application the DPs name, DP ID Number and its beneciary account number with DP. In absence of the information in respect of DP ID/ Client ID the applications shall be rejected. B. ONGOING OFFER DETAILS Ongoing Offer Period This is the date from which the scheme will reopen for subscriptions/redemptions after the closure of the NFO period. An investor can buy/sell units of R* Shares Gold Exchange Traded Fund on a continuous basis on the National Stock Exchange/Bombay Stock Exchange and/or other recognised stock exchanges where units are listed and traded like any other publicly traded securities at market prices which may be close to the actual NAV of the scheme. The trading lot is one R* Shares Gold Exchange Traded Fund unit. Investors can purchase units at market prices, which may be at a premium/discount to the NAV of the scheme depending upon the demand and supply of units at the exchanges. Alternatively, Authorised Participants can directly buy /sell in blocks from the fund in Creation Unit Size on any business day. Mutual fund will also repurchase units from Authorised Participants on any business day provided the units offered for repurchase is not less than 1000 units. The AMC will appoint Authorised Participants to provide liquidity in secondary market on an ongoing basis. The Authorised Participants would offer daily two way quote in the market Ongoing price for subscription (purchase)/ switch-in (from other schemes/plans of the mutual fund) by investors. This is the price you need to pay for purchase/switch-in. At the applicable NAV subject to prevailing entry loads, if any. Purchase Price: The Purchase Price will be calculated in the following way: Purchase Price = Applicable NAV The Redemption Price will be released to the press daily for being published in the newspaper, as prescribed under the Regulations, from time to time. Currently, redemptions shall be affected at applicable NAV based prices subject to exit loads. RCAM may revise the above pricing structure and transaction timings from time to time, subject to an exit load chargeable in accordance with the Regulations. However, any such revision shall be in accordance with SEBI Regulations and would be applicable only to units subscribed to after the initial date of such notication on a prospective basis.

Ongoing price for redemption At the applicable NAV subject to prevailing exit load, if any. (sale) /switch outs (to Redemption Price : The Redemption Price will be calculated in the following way : other schemes/plans of the Mutual Fund) by investors. Redemption Price = Applicable NAV x (1- Exit Load) This is the price you will Example: If the applicable NAV is Rs. 10.00, sales/entry load is 2 per cent and the exit/repurchase load is 2 receive for redemptions/ percent then the sales price will be Rs. 10.20 and the repurchase price will be Rs. 9.80. switch outs. The Fund will ensure that the Redemption Price is not lower than 93% of the NAV and the Purchase Price is Example: If the applicable not higher than 107% of the NAV, provided that the difference between the Redemption Price and Purchase NAV is Rs. 10, exit load is 2% Price of the Units shall not exceed the permissible limit of 7% of the Purchase Price, as provided for under then redemption price will be: the current Regulations. Rs. 10* (1-0.02) = Rs. 9.80 20

Cut off timing for The scheme will provide a redemption option for the fractional units allotted to the unitholders of the scheme subscriptions/ redemptions/ on an ongoing basis. Amount payable towards the fractional redemption will be calculated based on the NAV switches as on the day of transfer of units into amc redemption subject to cut-off timings and the applicable NAV declared by the AMC. This is the time before which your application (complete in Applicable NAV for Purchase/Creation/Redemption of Units directly From the Fund all respects) should reach the Authorised Participants ofcial points of acceptance. The Authorised Participants can directly buy/sell the units from the Fund in Creation Unit Size as dened above on all working days as follows: The Fund creates / redeems R* Shares Gold Exchange Traded Fund in large blocks known as Creation Unit. The value of the Creation Unit is the basket of Underlying Gold called as the Portfolio Deposit and a Cash Component which will be exchanged for a xed number of R* Shares Gold Exchange Traded Fund. The Portfolio Deposit and the Cash Component, which denes the Creation Unit are explained separately below. The Portfolio Deposit and Cash Component may change from time to time and will be announced by AMC/Fund through its website and other data providers. i) Creation In respect of valid applications received upto 3 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. In respect of valid applications received after 3 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) Redemptions In respect of valid applications received upto 3 p.m. by the Mutual Fund, closing NAV of the day of receipt of application, shall be applicable. In respect of valid applications received after 3 p.m. by the Mutual Fund, the closing NAV of the next business day shall be applicable. Applications for redemption of R* Shares Gold Exchange Traded Fund units (by authorized participants only) have to be submitted in the prescribed format duly completed and signed along with the delivery order duly receipted by the DP stating the number of units transferred to the schemes DP account. Application for redemption by non-individuals should be accompanied by certied copy of the board/governing body resolution clearly authorizing the ofcial concerned to redeem units and to receive/ collect gold/cash after complying with operational procedure and formalities. The application for redemption in the prescribed form will have to be submitted at the designated ISC of the fund before the cut off time. The expenses associated with taking physical delivery of gold will have to be borne by the authorized participant / investor. Where can the applications Authorised Participants may submit / mail the completed application forms at any of the Designated Investor for purchase/redemption Service Centers of Reliance Mutual Fund. The addresses of the Designated Investor Service Centers are switches be submitted? mentioned in this Scheme information document. Investors in cities other than where the Designated Investor Service Centers (DISC) are located, may send their application forms to any of the nearest DISC, accompanied by Demand Draft/s payable locally at the DISC Minimum amount for purchase / redemption / switches Minimum Application Amount Purchases directly from the Mutual Fund is restricted to Authorised Participants RCAM may revise the minimum / maximum amounts and the methodology for subscriptions as and when necessary in the Scheme. Such change may be brought about after taking into account the cost structure for a transaction/account and /or market practices etc. and shall be applicable to transactions from the date of such a change, on a prospective basis. Minimum Redemption Minimum number of units that can be bought or sold on the exchange is 1 (one) unit. Reliance AMC will redeem units only in Creation Unit size. Mutual fund will repurchase units from Authorised Participants on any business day provided the units offered for repurchase is not less than 1000 units. Exchange The minimum number of Units that can be bought or sold on the exchange is 1 (one) unit and in multiple of 1 (one) unit. Minimum balance to be maintained and consequences of non maintenance. Not Applicable RCAM reserves the right to close an investors account if the value of the unit balance in the account falls below the minimum subscription amount under the scheme. In such an event, RCAM reserves the right to compulsorily redeem the balance units in the account completely at the applicable redemption price. The Fund may revise the minimum/maximum amounts and methodology for redemptions as and when necessary. Such change may be brought about after taking into account the cost structure for a transaction / account and / or Market practices and / or the interest of the unit holders. Further such changes shall be carried out on a prospective basis from the date of notication of such change and would not, in any manner, be prejudicial to the interests of the investors who have joined the scheme before such notication. Any changes would be informed to unit holders by way of an advertisement. 21

Special Products available Accounts Statements

None of the special products including Flexible Asset Seletion Tool (Fast) Shall be available in the scheme. Units issued by the AMC under the scheme shall be credited to the investors beneciary account with a Depository Participant (DP) of CDSL or NSDL. The AMC will endeavour to credit the units to the beneciary account of the unitholder within ve business days from the date of receipt of credit of the Cash/Physical Gold. The AMC shall issue intimation about the allotment of units to investors whose beneciary accounts are credited on allotment of units under the scheme within thirty days of allotment either through physical form or through email as may be decided by the Fund from time to time. The Account Statement of the Beneciary Account with the DP will be sent by the respective DPs periodically. The Account Statement of the Beneciary Account with the DP will be sent by the respective DPs periodically. The Scheme-wise Annual Report of RMF will be prepared and an abridged summary of the Annual Report will be published through an advertisement and mailed to all unitholders as soon as may be but not later than four months from the date of the closure of the relevant nancial year.

Right to reject any application

The AMC, under powers delegated by the Trustee, shall have absolute discretion to reject any application, prevent further transactions by a Unit Holder, delay processing redemption as per applicable laws or regulations if : a) after due diligence, the investor / Unit Holder / a person making the payment on behalf of the investor does not full the requirements of the Know Your Customer as determined by the AMC or the AMC believes that the transaction is suspicious in nature as regards money laundering.

b) the AMC determines in its sole discretion that the application does not or will not comply with any applicable laws or regulations. In this regard the AMC reserves the right to reject any application and effect a mandatory Redemption of Units allotted at any time prior to the expiry of 30 days from the date of the allotment. Time lag in procurement/redemption of physical gold: - Procurement of gold bars may take upto 1 month in case of adverse shortage of gold bars. It may not be possible to sell gold bar intentionally and may delay redemption depending on the market conditions. Delay in payment of redemption / repurchase proceeds The Asset Management Company shall be liable to pay interest to the unitholders at such rate as may be specied by SEBI for the period of such delay (presently @ 15% per annum). No interest will be payable on any subscription money refunded within 5 working days. If the Fund refunds the amount after 5 working days. interest @ 15% p.a. will be paid to the applicant and borne by the AMC for the period from the day following the date of expiry of 5 workimg days. until the actual date of the refund. Refund orders will be marked A/c. payee only and drawn in the name of the applicant in the case of a sole applicant and in the name of the rst applicant in all other cases. In both cases, the bank account number and bank name, as specied in the application, will be mentioned in the refund order. The bank and/ or collection charges, if any, will be borne by the applicant. All the refund payments will be mailed by registered post or as required under Regulations. As per SEBI guidelines, the unclaimed redemption and dividend amounts shall be deployed in call money market or money market instruments only or such other instruments, as permitted under Regulations. The investors who claim such amounts during the period of three years from the due date shall be paid at the prevailing Net Asset Value. After a period of three years, this amount will be transferred to a pool account and the investors can claim the amount at NAV prevailing at the end of the third year. The income earned on such funds shall be used for the purpose of investor education. The Fund will make continuous efforts to remind the investors through letters to take their unclaimed amounts. Further, the investment management fee charged by AMC for managing unclaimed amounts shall not exceed 50 basis points. Allotment 1) Each unit of R* Shares Gold Exchange Traded Fund will be approximately equal to the closing price of 1 (one) gram of gold on the date of allotment. 2) Each unit of R* Shares Gold Exchange Traded Fund being offered will have a face value of Rs.100/-. The number of units allotted would be the total amount invested divided by the Allotment Price. In other words The R* Shares Gold Exchange Traded Fund being offered will have a face value of Rs100/- each and will be issued at a premium equivalent to the difference between the allotment price and the face value of Rs. 100/-. 3) R* Shares Gold Exchange Traded Fund will be available in the Dematerialized form. 4) The applicant under the Scheme will be required to have a beneciary account with a Depository Participant of NSDL/CDSL and will be required to indicate in the application the DPs name, DP ID Number and its beneciary account number with DP. 5) Authorised Participant can directly buy / sell Units in blocks from the Fund in Creation Unit size, as dened in this Scheme information document on all working days. 22

Policy on Unclaimed Redemption and Dividend Amounts

Since R* Shares Gold Exchange Traded Fund are to be issued / repurchased and traded compulsorily in dematerialized form, no request for rematerialisation of RMF will be accepted. For Subscriptions received at the DISCs within the cut-off timings and considered accepted for that day, the units will be allotted as per the applicable NAV. RCAM, in consultation with the Trustees reserves the right to discontinue/ add more options at a later date subject to complying with the prevailing SEBI guidelines and Regulations. RCAM, in consultation with the Trustees, reserves the right to change the Load structure if it so deems t in the interest of smooth and efcient functioning of the Scheme, on a prospective basis. Rounding off of Units Settlement of purchase/sale of R* Shares Gold Exchange Traded Fund units on the stock exchange: Based on the Allotment Price, the number of Units allotted to the nearest unit. Buying / Selling R* Shares Gold Exchange Traded Fund units on the stock exchange is similar to buying / selling any other listed securities. If an investor has sold units, an investor has to deliver the units to the broker/ sub-broker before the securities pay-in day of the settlement cycle on the exchange. The units (in case of units bought) and the funds (in the case of units sold) are paid out to the broker on the payout day of the settlement cycle on the exchange. The exchange regulations stipulate that the trading member should pay the money or units to the investor within 24 hours of the payout. (SEBI SMD/POLICY/Cir-/03 dated February 6, 2003). If an investor has bought units, he should give standing instructions for Delivery-In to his/her DP for accepting units in his/her beneciary account. An investor should give the details of his/her beneciary account and the DP-ID of his/her DP to his/her trading member. The trading member will transfer the units directly to his/her beneciary account on receipt of the same from exchanges clearing corporation. An investor who has sold units should instruct his/her Depository Participant (DP) to give Delivery Out instructions to transfer the units from his/her trading member through whom he/she have sold the units. The details of the pool A/c of investors trading member to which the units are to be transferred, unit quantity etc. should be mentioned in the delivery out instructions given by him/her to the DP. The instructions should be given well before the prescribed securities pay-in day. SEBI has advised that the delivery out instructions should be given atleast 24 hours prior to the cut off time for the prescribed securities pay in to avoid any rejection of instructions due to data entry errors, network problems, etc. Rolling Settlement As per the SEBIs circular dated March 4, 2003, the rolling settlement on T+2 basis for all trades has commenced from April 1, 2003 onwards. The Pay-in and Pay-out of funds and the units will take place 2 working days after the trading date. The pay-in and pay-out days for funds and securities are prescribed as per the Settlement Cycle. A typical Settlement Cycle of Rolling Settlement is given below: Day Activity T The day on which the transaction is executed by a trading member T+1 Conrmation of all trades including custodial trades by 11.00 a.m. T+1 Processing and downloading of obligation les to brokers /custodians by 1.30 p.m. T+2 Pay-in of funds and securities by 11.00 a.m. T+2 Pay out of funds and securities by 1.30 p.m. While calculating the days from the Trading day (Day T), weekend days (i.e. Saturday and Sundays) and bank holidays are not taken into consideration. Redemption Redemption of Units All investors may sell their units in the stock exchange(s) on which these units are listed on all the trading days of the stock exchange. Mutual fund will repurchase units from Authorised Participants on any business day provided the units offered for repurchase is not less than 1000 units and multiples of 1 thereafter. In case the fund is not in a position to sell the underlying gold in the market to generate cash, the fund reserves the right to / may exercise the option of redeeming the units of R* Shares Gold Exchange Traded Fund in the form of physical gold. The Authorised Participants may opt to take delivery of physical gold instead of redemption proceeds in cash, subject to a minimum of 1000 units. In such a scenario, the Authorised Participants will have to collect the gold bar(s) from the Custodian at their own cost as per procedure prescribed by the AMC & its Custodian from time to time. 23

Redemption Procedure

Redemption Procedure Applications for redemption of R* Shares Gold Exchange Traded Fund units have to be submitted in the prescribed format duly completed and signed along with the delivery order duly receipted by the DP stating the number of R* Shares Gold Exchange Traded Fund units transferred to the schemes DP account. Application for redemption by non-individuals should be accompanied by certied copy (ies) of the board/governing body resolution clearly authorizing the ofcial concerned to redeem units and to receive/collect securities/cash after complying with operational procedure and formalities. The application for redemption on a prescribed form will have to be submitted at the designated ISC before the cut off time. The number of units available for redemption in the account of the unitholder will be conrmed by the Registrars with the records maintained and downloaded by the depository with which the unitholder is holding the depository account. Redemption request will be processed further if the records as mentioned above show that the depository account has adequate number of units. The time taken for conrmation of redemption of units is dependent upon the download frequency that depository may permit. The registrar will instruct the custodian to sell the number of units to be redeemed. Redemption proceeds will be sent to the unitholder within 10 working days from the date of conrmation with the depository records. Procedure for Redeeming R* Shares Gold Exchange Traded Fund in Creation Unit Size The requisite number of R* Shares Gold Exchange Traded Fund units equaling the Creation Unit has to be transferred to the Funds DP account and the Cash Component to be paid to the AMC / Custodian. On conrmation of the same by the AMC, the Custodian will transfer the Portfolio Deposit by handing over the physical Gold of the predened purity and quantity to the investor and pay the Cash Component, if applicable. The AMC may redeem Creation Unit of R* Shares Gold Exchange Traded Fund prior to receipt of all or portion of the relevant R* Shares Gold Exchange Traded Fund in certain circumstances where the purchaser, among other things, posts collateral to secure its obligation to deliver such outstanding R* Shares Gold Exchange Traded Fund units. The Portfolio Deposit and Cash Component for the R* Shares Gold Exchange Traded Fund may change from time to time due to change in NAV. The Fund may from time to time change the size of creation unit size in order to equate it with marketable lot of underlying physical gold. The procedures by which an authorized participant can redeem one or more baskets will be same as the procedures for the creation of units. On any business day, an authorized participant may send a redemption request to the AMC. The registrar will instruct the custodian to sell the number of units to be redeemed and the mode of redemption (physical gold or cash). The custodian will deliver the gold in physical form to the nearest 100 gram and the balance amount will be paid in cash. The number of Units so redeemed will be subtracted from the unitholders account balance and a statement to this effect will be issued to the unitholder. In case the balance in unitholders account does not cover the amount of redemption request, the Fund may close the unitholders account and send the entire (lesser) balance to the unitholder, provided further that if the unitholder has made a partial redemption request which results in balance of units to fall below minimum application amount as per the latest NAV, the fund may close the unitholders account & redeem all units in the folio & remit the entire redemption proceeds to the investors. If an investor has purchased Units on more than one working day, the Units purchased prior in time (i.e. those Units which have been held for the longest period of time), will be deemed to have been redeemed rst, i.e. on a First In First Out Basis. Units purchased by cheque or draft will not be redeemed until the realisation of the cheque/DD. The procedure relating to purchase and sale of units by different types of investors/participants in the scheme is tabulated for easy reference: Mode of Purchase/Redemption Authorized Participants Large Investor Other investors Sale of units by Mutual Fund Cash and / or Gold^ Only through stock exchange Only through stock exchange Redemption of units by unit holders Cash and / or Gold# Only through stock exchange # Only through stock exchange

^ Authorised Participants are required to transfer either requisite gold constituting the Portfolio Deposit to the funds Designated DP account OR equivalent cash, while the balance Cash Component, if any has to be paid to the AMC. # Mutual fund will repurchase units from Authorised Participants on any business day provided the units offered for repurchase is not less than 1000 units and multiples of 1 thereafter and multiples of 1 thereafter. In case the fund is not in a position to sell the underlying gold in the market to generate cash, the fund reserves the right to / may exercise the option of redeeming the units of R* Shares Gold Exchange Traded Fund in the form of physical gold. Mode of Purchase/Redemption Authorized Participants Large Investor Other investors Sale of units by Mutual Fund Any business day in creation unit* Size Only through stock exchange Only through stock exchange Redemption of units by unit holders Any business day in creation unit* Size Only through stock exchange Only through stock exchange

*Creation unit as dened in the denition 24

The Authorised Participants may opt to take delivery of physical gold instead of redemption proceeds in cash, subject to a minimum of 1000 units. In such a scenario, the Authorised Participants will have to collect the gold bar(s) from the Custodian at their own cost as per procedure prescribed by the AMC & its Custodian from time to time Aggregate Fees and expenses charged to the Scheme - The AMC has estimated that following % of the weekly average net assets of the scheme will be charged to the scheme as expenses for the actual current expenses being charged, the investor should refer to the website of the mutual fund. An investor can buy/sell units of R* Shares Gold Exchange Traded Fund on a continuous basis on the National Stock Exchange/Bombay Stock Exchange and/or other recognised stock exchanges where units are listed and traded like any other publicly traded securities at market prices which may be close to the actual NAV of the scheme. The trading lot is one R* Shares Gold Exchange Traded Fund unit. Investors can purchase units at market prices, which may be at a premium/discount to the NAV of the scheme depending upon the demand and supply of units at the exchanges. Alternatively, Authorised Participants can directly buy /sell in blocks from the fund in Creation Unit Size on any business day. Mutual fund will also repurchase units from Authorised Participants on any business day provided the units offered for repurchase is not less than 1000 units. The AMC will appoint Authorised Participants to provide liquidity in secondary market on an ongoing basis. The Authorised Participants would offer daily two way quote in the market. The trading will be as per the normal settlement cycle. Alternatively, Authorised Participants can directly buy / sell Units in blocks from the Fund in Creation Unit size, as dened in this Scheme information document on all working days. Mutual fund will repurchase units from Authorised Participants on any business day provided the units offered for repurchase is not less than 1000 units . The Unit Holders may note that even though this is an open-ended scheme, the Scheme would ordinarily repurchase Units in Creation Unit size. Thus unit holdings less than the Creation Unit size can normally only be sold through the secondary market, unless no quotes are available on the Exchange for 2 trading days consecutively. Further, the price received upon the redemption of R* Shares Gold Exchange Traded Fund units may be less than the value of the gold represented by them. The result obtained by subtracting the Funds expenses and liabilities on any day from the price of the gold owned by the fund on that day is the net asset value of the fund which, when divided by the number of units outstanding on that date, results in the net asset value per unit, or NAV. Authorised Participant can directly buy / sell Units in blocks from the Fund in Creation Unit size, as dened in this Scheme information document on all working days.Since R* Shares Gold Exchange Traded Fund are to be issued / repurchased and traded compulsorily in dematerialized form, no request for rematerialisation of RMF will be accepted. In case the fund is not in a position to sell the underlying gold in the market to generate cash, the fund reserves the right to / may exercise the option of redeeming the units of R* Shares Gold Exchange Traded Fund in the form of physical gold. Type of investor and transaction Sale of units by Mutual Fund Redemption. Restrictions, if any, on the right to freely retain or dispose of units being offered Suspension of Purchase and Redemption of Units The purchase and/or redemption of Units may be suspended with prior approval of Trustees and Asset Management Company giving the details of circumstances and justication for the proposed action shall also be informed to SEBI in advance, temporarily or indenitely when any of the following conditions exist at one/ more Designated Investor Service Centers: 1. When the bullion markets in London and forex markets which provide basis for valuation are closed otherwise than for ordinary holidays. 2. When, as a result of political, economic or monetary events or any circumstances outside the control of the Trustee and the AMC, the disposal of the assets of the Scheme is not reasonable, or would not reasonably be practicable without being detrimental to the interests of the Unit holders. 3. In the event of breakdown in the means of communication used for the valuation of investments of the Scheme, without which the value of the securities of the Scheme cannot be accurately calculated. 4. During periods of extreme volatility of markets, which in the opinion of the AMC are prejudicial to the interests of the Unit holders of the Scheme. 5. In case of natural calamities, strikes, riots and bandhs. 6. In the event of any force, majeure or disaster that affects the normal functioning of the AMC or the Registrar. 7. If so directed by SEBI. The normal time taken to process redemption and/ or purchase requests, as mentioned earlier, may not be applicable during such extraordinary circumstances. However, suspension or restriction of repurchase/ redemption facility under any scheme of the Mutual Fund shall be made applicable only after the approval from the Board of Directors of the Asset Management Company and the Trustee Company. The approval from the AMC Board and the Trustees giving details of circumstances and justication for the proposed action shall also be informed to SEBI in advance. RMF also reserves the right at its sole discretion to withdraw sale of Units in the Scheme temporarily or indenitely, if the AMC views that increasing the Schemes size further may prove detrimental to the existing unit holders of the Scheme. An order/ request to purchase Units is not binding on and may be rejected by the Trustee, the AMC or their respective agents, unless it has been conrmed in writing by the AMC or its agents and (or) payment has been received. 25

Transfer

R* Shares Gold Exchange Traded Fund units are transferable via the stock exchange. Transfers should be only in favour of transferees who are eligible of holding units under the scheme. The AMC shall not be bound to recognize any other transfer. The AMC will effect the transfer only in electronic form provided that the intended transferee is otherwise eligible to hold units under the scheme. The delivery instructions for transfer of R* Shares Gold Exchange Traded Fund units will have to be lodged with the DP in the requisite form as may be required from time to time and the transfer will be effected in accordance with such rules / regulations as maybe in force governing transfer of securities in dematerialized mode. Under special circumstances, holding of units by a company or other body corporate with another company or body corporate or an individual/ individuals, none of whom is a minor, may be considered by the AMC. Any addition, deletion of name from the folio of the Unit holder is deemed as transfer of Units. In view of the same, additions / deletions of names will not be allowed under any folio of the Scheme. The said provisions in respect of deletion of names will not be applicable in case of death of a Unit holder (in respect of joint holdings) as this is treated as transmission of Unit and not transfer. A transferee approaching the fund for Transfer / Transmission of units will have to have beneciary account with a Depository Participant of CDSL or NSDL, since the units shall be in electronic mode.

Pledge / Assignment of units a) The uniholders may pledge/assign units in favour of banks/other nancial institutions as a security for permitted only in favour raising loans. of banks/other financial b) Units can be pledged by completing the requisite forms/formalities as may be required by the Depository. institutions The pledger may not be allowed to redeem/ transfer the units so pledged until the bank/ nancial institution to which the units are pledged provides a written authorization to the Depository that the pledge/charge/lien may be removed. c) As the units of the Scheme will be issued and held in Demat form, the rules of Depository applicable for pledge will be applicable for Pledge/Assignment of the units of the Scheme. d) Pledgor and Pledgee must have a benecial account with the Depository. These accounts can be with the same DP or with different DPs. Pledgor will instruct its DP to create a pledge request by submitting a Pledge Form with a tick on Create Pledge. e) Pledgor will inform the pledgee about the creation of pledge request by giving a copy of the pledge report obtained from its DP. f) Pledgee may instruct its DP to conrm the creation of pledge by submitting a Pledge Form with a tick on Conrm creation of Pledge. The pledge gets created in favour of the pledgee only when the pledgees DP conrms the creation of pledge in the system. g) Pledge does not get created in the System until the Pledgees DP conrms the pledge. Pledgee may obtain pledge report from its DP and verify creation of pledge. h) After the loan is repaid, the pledgor will instruct its DP to close the pledge by submitting the Pledge Form with a tick on Close Pledge. The pledgee will instruct its DP to conrm the closure of pledge by submitting the Pledge Form with a tick on Conrm Closure of Pledge. i) j) The pledge is closed in the system on executing the instruction in the system by both the DPs. A pledgors DP alone cannot close the pledge. If the loan is not repaid, the pledgee, after giving notice to the pledgor as per the terms of the agreement, may instruct its DP to invoke the pledge by submitting the Pledge Form with a tick on Invoke Pledge. On execution of this instruction, the securities are transferred into the pledgees account. This does not require any conrmation from the pledgor. The pledgor will continue to receive dividend on the pledged securities. The pledgee will get the benets only if a pledge is invoked and on record date the shares are in the pledgees account.

k) Transmission

In case of death of the unitholder, Units shall be transmitted in favour of the second-named joint holder or nominee, as the case may be, on production of a death certicate or any other document to the satisfaction of the Fund. Since the units of the scheme will be issued in electronic form in the Demat account of the investor, the nomination as registered with the Depository Participant will be applicable to the units of the scheme. A Nomineee / legal heir approaching the fund for Transmission of units must have beneciary account with a Depository Participant of CDSL or NSDL, since the units shall be in electronic mode. As mentioned above, Authorised Participants are required to transfer either requisite gold constituting the Portfolio Deposit to the funds Designated DP account OR equivalent cash, while the balance Cash Component, if any has to be paid to the AMC. On conrmation of the same by the Custodian / AMC, the AMC will endeavour to create and credit the equivalent number of R* Shares Gold Exchange Traded Fund into the DP account of Authorised Participants within 3 business days from the date of receipt of credit of the Portfolio Deposit to the extent of such Deposit. The AMC may create Creation Unit prior to receipt of all or a portion of the relevant Portfolio Deposit and Cash Component in certain circumstances where the purchaser, among other things, posts collateral to secure its obligation to deliver such outstanding Portfolio Deposit Securities and Cash Component. The AMC reserves the right to adjust the number of Units to be credited /credited in case the instrument towards the cash component is not honoured. Purchase request for Creation Units shall be made by such investor to the Fund/AMC where upon the Fund/AMC will arrange to buy the underlying portfolio securities. In such circumstances, applicable NAV for Creation Units will be the Net Asset Value per Unit at the close of the Working Day on which the proceeds are made available to the Fund for investments by the Bank, in the normal course of clearing. 26

Procedure for Creating Reliance R* Shares Gold Exchange Traded Fund in Creation Unit Size

The creation request can be made to the fund in a duly lled application form. Application Forms for Creation Units of R* Shares Gold Exchange Traded Fund can be obtained from the Designated Investor Service Centres of the fund. It may be noted that the application for Creation of Units can be made only at the designated Ofces of the AMC as the AMC may decide from time to time. Creation Unit is a xed number of R* Shares Gold Exchange Traded Fund, which is exchanged for Portfolio Deposit which would consist of physical Gold of dened purity and quantity and/or Cash Component. The facility of creating/redeeming units in Creation Unit size will be available with the Authorised Participants (whose names will be available on the website of the Fund i.e. (www.reliancemutual.com) on the ongoing basis. Each creation unit consists of 1000 units of R* Shares Gold Exchange Traded Fund and cash component, if any. Nomination a) Since the units of the scheme will be issued in electronic form in the depository account of the unit holder, the nomination registered with the Depository will be applicable to the units of the scheme. b) Such nomination including any variation, cancellation or substitution of Nominee(s) shall be governed by the rules and bye-laws of the Depository. c) Payment to the nominee of the sums shall discharge the Fund of all liability towards the estate of the deceased unit holder and his/her legal successors/legal heirs. d) Nomination can be made only by the individuals holding beneciary (DP) accounts either singly or jointly. Non-individuals including society, body corporate, partnership rms, Karta of HUF, holder of power of attorney can not nominate. Only an individual including NRI can be a nominee. However nomination of NRI is subject to exchange control regulations in force from time to time. e) Society, trust, body corporate, partnership rm, Karta of HUF or Power of Attorney holder cannot be appointed as a Nominee. f) Minor can also be appointed as a nominee. However the guardian will sign on behalf of the nominee and in addition to the name and photograph of the nominee, the name and address and the photograph of the guardian must be submitted to DP. Only one nomination can be made for each depository account. g) The nomination form duly lled in should be submitted to the Depository Participant (DP) either at the time of account opening or later. The account holder, nominee and two witness must sign the form and the name, address and photograph of the nominee must be submitted If the nomination was not made at the time of account opening, it can be made subsequently by submitting the nomination form. h) Nomination can be changed anytime by the account holder(s) by simply lling up the nomination once again and submitting it to the DP. i) In case nomination has been made for DP account with joint holders, in case of death of any of the joint holder(s), the securities will be transmitted to the surviving holder(s). Only in the event of death of all the joint holders, the securities will be transmitted to the nominee. j) In case nomination is not made by the sole holder of DP account, the securities would be transmitted to the account of legal heir(s), as may be determined by an order of the competent court. However in case where the value of securities to be transmitted is less than Rs.1,00,000/- the DP may process the request based on the submissions of necessary letter of indemnity, surety, afdavits and NOC documents. a) R* Shares Gold Exchange Traded Fund units will be available only in the Dematerialized form. b) The applicant under the Scheme will be required to have a beneciary account with a Depository Participant of NSDL/CDSL and will be required to indicate in the application the DPs name, DP ID Number and its beneciary account number with DP. c) Listing Since R* Shares Gold Exchange Traded Fund are to be issued / repurchased and traded compulsorily in dematerialized form, no request for rematerialisation of RMF will be accepted.

Dematerialisation

Units of the Scheme listed on the National Stock Exchange and Bombay Stock Exchange and/or any other stock exchange(s) as may be decided by the AMC, subsequent buying or selling by investors can be made from the secondary market on the NSE/BSE. The minimum number of units that can be bought or sold through the stock exchange is 1 (one) unit. a) Portfolio deposit: The authorized participant will be required to deposit gold of the pre-specied purity with the custodian in the proportion as declared by AMC from time to time. b) Cash Component : For the cash component all cheques, bank drafts and pay order should be drawn in favour of R* Shares Gold Exchange Traded Fund A/c PAN or R* Shares Gold Exchange Traded Fund A/c First Investor Name and be crossed Account Payee Only. If the cheque / Draft towards cash component is not honoured for any reason whatsoever, the application shall be rejected. Allotment of Units against the investment made under the scheme shall be subject to realization of instrument thereof. Stock-invests Cash Outstation Cheques Post-Dated Cheques (except in the case of Systematic Investment Plan)

Mode of Payment

Payments By Following Modes Will Not Be Accepted

RCAM may specify various other modes of payment from time to time. 27

Application under Power of Attorney In the case the application made under a Power of Attorney (PoA), a duly attested copy of the Power of Attorney must be lodged along with the Application. The PoA Document must contain the signatures of both the PoA Executor and PoA holder. Third party Cheques Third party Cheques Investment/subscription made through third party cheque(s) will not be accepted for investments in the units of Reliance Mutual Fund barring few exception issued by AMFI from time to time for the third party payments. For more details refer to SAI. The unit holder/ investor can register multiple bank account details under its existing folio by submitting separate form available on the website of the AMC at www.reliancemutual.com. For more details refer to SAI In line with various guidelines issued by SEBI from time, it may be noted that KYC Compliance is mandatory for all investors with effective January 01, 2011 irrespective of the amount of their investment subject to various terms and conditions. Further, in order to reduce hardship and help investors dealing with various SEBI intermediaries, SEBI has now issued various circulars wherein it has mandated its Registered Intermediaries to follow a uniform KYC compliance procedure for all investor dealings across the various nancial markets. For further details, investors are requested to refer to the SAI. C. PERIODIC DISCLOSURES Net Asset Value The AMC will calculate and disclose the NAV at the close of every Business Day which shall be published This is the value per unit of the in at least two daily newspapers and also uploaded on the AMFI site www.amindia.com and RMF site i.e. scheme on a particular day. You www.reliancemutual.com. can ascertain the value of your investments by multiplying the NAV with your unit balance. Half yearly Disclosures: Portfolio / Financial Results This is a list of securities where the corpus of the scheme is currently invested. The market value of these investments is also stated in portfolio disclosures. Half Yearly Results Annual Report Scheme wise Annual Report or an abridged summary thereof shall be mailed to all unitholders within four months from the date of closure of the relevant accounts year i..e. 31st March each year. In accordance with SEBI Circular No. IMD/ DF/16/ 2011 dated September 8, 2011, pertaining to mailing of annual report and/or abridged summary thereof, the same shall be sent by RCAM / RMF as under: (i) by e-mail only to the Unit holders whose e-mail address is available with us, (ii) in physical form to the Unit holders whose email address is not available with us and/or to those Unit holders who have opted / requested us for the same. The physical copy of the schemewise annual report or abridged summary shall be made available to the investors at the registered ofce of RCAM. A link of the scheme annual report or abridged summary shall be displayed prominently on the website of RCAM i.e at www.reliancemutual.com Associate Transactions Taxation The information is provided for general information only. However, in view of the individual nature of the implications, each investor is advised to consult his or her own tax advisors/authorised dealers with respect to the specic amount of tax and other implications arising out of his or her participation in the schemes. Please refer to Statement of Additional Information (SAI). Taxation of income earned on mutual fund units under the Income Tax Act, 1961 as amended by Finance Act 2012 Other than Equity Oriented Funds 1 Income in the hands of Individual & HUF Nature of Income Dividend Tax free Tax free Tax free Domestic Company NRI Before expiry of one month from the close of each half year that is on 31/3 and 30/9, the Fund shall publish its un-audited / audited nancial results in one national English daily newspaper and in a newspaper in the language of the region where the Head Ofce of the fund is situated. These shall also be displayed on the web site of the RMF that is www.reliancemutual.com and that of AMFI www.amindia.com. Full portfolio in the prescribed format shall also be disclosed either by publishing it in the newspapers or by sending to the unitholders within one month from the end of each half-year and it shall also be displayed on the web site of mutual fund.

Multiple Bank accounts Know Your Client (KYC) Norms

Dividend Distribution Tax on In Money market and Liquid schemes 2 25% + 5% surcharge + 30% + 5% surcharge + 25% + 5% surcharge + 3% cess 3% cess 3% cess = 27.0375% = 32.445% = 27.0375%

28

In Other schemes

12.5% + 5% surcharge + 3% cess = 13.51875%

30% + 5% surcharge + 12.5% + 5% surcharge + 3% cess 3% cess = 13.51875% = 32.445%

Capital Gains Long Term Capital Gain3 [10% without indexation or 20% with indexation whichever is lower] + 3% Education cess [10% without indexation or 20% with indexation whichever is lower] + surcharge + Education cess as applicable 4 In case of Listed Securities5 [10% without indexation or 20% with indexation whichever is lower] + 3% Education cess In case of Non-Listed Securities5 10% without indexation + 3% Education cess

Short Term Capital Gain3

+ Surcharge Will be taxed at the Will be taxed at the 30% normal rates depending + Education cess as normal rates depending upon the slab of each applicable 4 upon the slab of each individual individual. Securities Transaction Tax Nil Nil Nil

Securities Transaction Tax (STT) Nil Notes

1 equity oriented funds has been dened under sections 10(38) of the Indian Income Tax Act 1961 as under: equity oriented fund means a fund (i) where the investible funds are invested by way of equity shares in domestic companies to the extent of more than sixty-ve per cent of the total proceeds of such fund; and (ii) which has been set up under a scheme of a Mutual Fund specied under clause (23D): Provided that the percentage of equity shareholding of the fund shall be computed with reference to the annual average of the monthly averages of the opening and closing gures; Other than equity oriented fund shall be construed accordingly.

The above table is applicable to the units of other than equity oriented fund 2 The expression money market mutual fund has been dened under Explanation (d) to Section 115T of the Act, which means a scheme of a mutual fund which has been set up with the objective of investing exclusively in money market instruments as dened in sub-clause (p) of clause (2) of the Securities and Exchange Board of India (Mutual Funds) Regulations,1996. The expression liquid fund has been dened under Explanation (e) to Section 115T which means a scheme or plan of a mutual fund which is classied by the Securities and Exchange Board of India as a liquid fund in accordance with the guidelines issued by it in this behalf under the Securities and Exchange Board of India Act, 1992 or regulations made thereunder. Short Term Capital Gain would mean gain on sale/redemption/repurchase of mutual fund units held for not more than 12 months and Long term Capital Gain would mean gain other than Short Term Capital Gain.

4 The tax rates will be increased by surcharge, education cess and secondary and higher secondary education cess as applicable. 5 The Finance Act, 2012 provides for tax on long-term capital gains in case of non-residents @ 10% on transfer of capital assets, being unlisted securities, computed without giving effect to rst & second proviso to section 48 i.e. without taking benet of foreign currency uctuation and indexation benet. Listed Securities mean securities dened in clause (h) of section 2 of the Securities Contracts (Regulation)Act, 1956 (32 of 1956) and which are listed on any recognised stock exchange in India. Non Listed securities mean securities other than Listed Securities. Reliance Mutual Fund is registered with SEBI and as such is eligible for benets under Section 10 (23D) of the Income Tax Act 1961. Accordingly its entire income is exempt from tax. For further details on Taxation please refer to the Clause on Taxation in the SAI. 29

Investor services

Mr. Bhalchandra Joshi is the Investor Relations Ofcer for the Fund. All related queries should be addressed to him at the following address: Mr. Bhalchandra Joshi, Head Service Delivery and Operations Excellence Reliance Capital Asset Management Limited 11th oor, One Indiabulls Centre, Tower 1 Jupiter Mills Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai - 400 013 Tel No. - 022-30994600 Fax No. - 022-30994699 Email: bhalchandra.y.joshi@relianceada.com

D. COMPUTATION OF NAV The Net Asset Value (NAV) of the Units will be determined daily or as prescribed by the Regulations. The NAV under R* Shares Gold Exchange Traded Fund shall be calculated up to 4 decimals as follows or such other formula as may be prescribed by SEBI from time to time.: NAV = Market or Fair Value of Schemes investments + Current Assets Current Liabilities and Provision Number of Units outstanding under Scheme on the Valuation Date NAV Information : The NAV of the Scheme will be calculated and declared by the Fund on every Working Day by 9.00 p.m. The information on NAV may be obtained by the Unitholders, on any day from the ofce of the AMC / the ofce of the Registrar in Hyderabad or any of the other Designated Investor Service Centres. The NAV shall be published in two daily newspapers on a daily basis as per the Regulations. Investors may also obtain information on the purchase /sale price for a given day on any Working Day from the ofce of the AMC / the ofce of the Registrar in Hyderabad/ any of the other Designated Investor Service Centres. For any NAV information, investor may also call our customer service centre at 022-3030 1111, callers outside India, please dial 91-2230301111.

30

IV. FEES AND EXPENSES


This section outlines the expenses that will be charged to the schemes. A. NEW FUND OFFER (NFO) EXPENSES These expenses are incurred for the purpose of various activities related to the NFO like sales and distribution fees paid marketing and advertising, registrar expenses, printing and stationary, bank charges etc. As per SEBI circular SEBI/IMD/CIR No.1/64057/06 dated April 4, 2006, open ended schemes are not permitted to charge NFO Expenses to the scheme. These are the fees and expenses for operating the scheme. These expenses include Investment Management and Advisory Fee charged by the AMC, Registrar and Transfer Agents fee, marketing and selling costs etc. as given in the table below: For the actual current expenses being charged, the investor should refer to the website of the mutual fund. Particulars Investment Management & Advisory Fee Custodial Fees Registrar & Transfer Agent Fees including cost related to providing accounts statement, dividend/redemption cheques/warrants etc. Marketing & Selling Expenses including Agents Commission and statutory advertisement Brokerage & Transaction Cost pertaining to the distribution of units Audit Fees / Fees and expenses of trustees Costs related to investor communications Costs of fund transfer from location to location Listing Fees License Fees Other Expenses Total Recurring Expenses % of average daily net assets (estimated) 0.50 0.50 0.05 1.00 0.10 0.00 0.15 0.10 0.01 0.01 0.08 2.50

B. ANNUAL SCHEME RECURRING EXPENSES

Securities And Exchange Board Of India (Mutual Funds) (Amendment) Regulations, 2010 states that in case of an Exchange Traded Fund, the total expenses of the scheme including the investment and advisory fees shall not exceed one and one half percent (1.5%) of the weekly average net assets. Accordingly following is the revised estimated recurring expenses of the scheme. Particulars Investment Management & Advisory Fee Custodial Fees Registrar & Transfer Agent Fees including cost related to providing accounts statement, dividend/redemption cheques/warrants etc. Marketing & Selling Expenses including Agents Commission and statutory advertisement Brokerage & Transaction Cost pertaining to the distribution of units Audit Fees / Fees and expenses of trustees Costs related to investor communications Costs of fund transfer from location to location Listing Fees License Fees Other Expenses Total Recurring Expenses % of average daily net assets (estimated) 0.75 0.04 0.05 0.30 0.04 0.02 0.04 0.04 0.01 0.01 0.20 1.50

These estimates have been made in good faith as per the information available to the Investment Manager based on past experience and are subject to change inter-se as per actual. Types of expenses charged shall be as per the SEBI (MF) Regulations. R* Shares Gold Exchange Traded Fund units will be held in dematerialized form, as prescribed under The SEBI (Depositories and Participants) Regulations, 1996. The service charges payable to the depository will form part of annual recurring expenses. While the Investment Management fees remains the same, the other categories of recurring expenses may change inter-se and the total expenses shall not exceed the limits permitted by SEBI. Subject to SEBI Regulations, the Trustees reserves the right to modify the above total estimate for recurring expenses on a prospective basis 31

In terms of the Regulations, RCAM can charge Investment Management Fees @ 1.25 % of the average weekly net assets for a corpus upto Rs.100 crores and 1% on the balance amount above Rs.100 crores, calculated on a daily basis. However, no Investment Management fees can be chargeable on RCAMs investment in the Scheme. The Trustee Company, RCTC, shall be entitled to receive a sum computed @ 0.05% of the Unit Capital of all the Schemes of RMF on 1st April each year or a sum of Rs.5,00,000/- which ever is lower or such other sum as may be agreed upon between the Settlor (RCL) and the Trustee (RCTC) from time to time in accordance with the SEBI Regulations or any other authority, from time to time. The Fund will strive to reduce the level of these expenses so as to keep them well within the maximum limits allowed by SEBI. Expenses on an ongoing basis Investment Management & Advisory Fee will not exceed one and one half (1.5%) of the average weekly net assets. LOAD STRUCTURE Load is an amount which is paid by the investor to subscribe to the units or to redeem the units from the scheme. This amount is used by the AMC to pay commissions to the distributor and to take care of other marketing and selling expenses. For the current applicable structure, please refer to the website of the AMC (www.reliancemutual.com) or may call at (toll free no. 1800 300 11111) or your distributor. Load amounts are variable and are subject to change from time to time. RCAM, in consultation with the Trustees, reserves the right to change the load structure if it so deems t in the interest of smooth and efcient functioning of the scheme. Any imposition or enhancement in the load shall be applicable on prospective investments only. However, RCAM shall not charge any load on issue of bonus units and units allotted on reinvestment of dividend for existing as well as prospective investors. At the time of changing the load structure: (i) The addendum detailing the changes may be attached to Scheme Information Documents and key information memorandum. The addendum may be circulated to all the distributors/brokers so that the same can be attached to all Scheme Information Documents and key information memoranda already in stock. (ii) Arrangements may be made to display the addendum in the Scheme Information Document in the form of a notice in all the investor service centres and distributors/brokers ofce. (iii) The introduction of the exit load/ CDSC alongwith the details may be stamped in the acknowledgement slip issued to the investors on submission of the application form and may also be disclosed in the statement of accounts issued after the introduction of such load/ CDSC (iv) A public notice shall be given in respect of such changes in one English daily newspaper having nationwide circulation as well as in a newspaper published in the language of region where the Head Ofce of the Mutual Fund is situated. (v) Any other measures which the mutual funds may feel necessary.

C.

Applicable Load Structure Entry & Exit Load: NIL As per the Regulations, the redemption price shall not be lower than 93% of NAV and the purchase price shall not be higher than 107% of the NAV and the difference between the redemption price and purchase price shall not exceed 7% of the purchase price. There will be no entry/exit load on R* Shares Gold Exchange Traded Fund bought or sold through the secondary market on the NSE/BSE. However, an investor would be paying cost in the form of a bid and ask spread and brokerage, as charged by his broker for buying / selling R* Shares Gold Exchange Traded Fund. In case, there are no quotes on the NSE and BSE for ve trading days consecutively, an investor can sell directly to the fund with an exit load of 5% of NAV. The payout of such redemptions will be on the respective pay-out day. This shall be applicable for fresh investments as well as additional investments made directly by the investor under an existing folio and also for switch-in transaction to a scheme from other schemes done directly by an investor. Pursuant to SEBI circular No. SEBI/IMD/CIR No. 14/120784/08 dated March 18, 2008, with effect from April 1, 2008, no entry load or exit load shall be charged in respect of bonus units and of units allotted on reinvestment of dividend. Contingent Deferred Sales Charge (CDSC): 0% Switchover Facility: Switches during ongoing basis will not be allowed. All loads including Contingent Deferred Sales Charge (CDSC) for the Scheme shall be maintained in a separate account and may be utilised towards meeting the selling and distribution expenses. Any surplus in this account may be credited to the scheme, whenever felt appropriate by the AMC. Pursuant to SEBI circular No. SEBI/IMD/CIR No. 4/ 168230/09 dated June 30, 2009, no entry load shall be charged for all the mutual fund schemes. Therefore the procedure for the waiver of load for direct application is no longer applicable. TraNsactioN charges: In accordance with SEBI Circular No. IMD/ DF/13/ 2011 dated August 22, 2011, with effect from November 1, 2011, Reliance Capital Asset Management Limited (RCAM)/ RMF shall deduct a Transaction Charge on per purchase / subscription of Rs. 10,000/- and above, as may be received from new investors (an investor who invests for the rst time in any mutual fund schemes) and existing investors. Distributors shall be able to choose to opt out of charging the transaction charge. However, the opt-out shall be at distributor level and not investor level i.e. a distributor shall not charge one investor and choose not to charge another investor. Such charges shall be deducted if the investments are being made through the distributor/agent and that distributor / agent has opted to receive the transaction charges as mentioned below: 32

D. WAIVER OF LOAD FOR DIRECT APPLICATIONS E.

For the new investor a transaction charge of Rs 150/- shall be levied for per purchase / subscription of Rs 10,000 and above; and For the existing investor a transaction charge of Rs 100/- shall be levied for per purchase / subscription of Rs 10,000 and above. The transaction charge shall be deducted from the subscription amount and paid to the distributor/agent, as the case may be and the balance shall be invested. The statement of account shall clearly state that the net investment as gross subscription less transaction charge and give the number of units allotted against the net investment. In case of investments through Systematic Investment Plan (SIP) the transaction charges shall be deducted only if the total commitment through SIP (i.e. amount per SIP installment x No. of installments) amounts to Rs. 10,000/- and above. In such cases, the transaction charges shall be deducted in 3-4 installments. Transaction charges shall not be deducted if: (a) The amount per purchases /subscriptions is less than Rs. 10,000/-; (b) The transaction pertains to other than purchases/ subscriptions relating to new inows such as Switch/STP/ DTP, etc. (c) Purchases/Subscriptions made directly with the Fund through any mode (i.e. not through any distributor/agent). (d) Subscription made through Exchange Platform irrespective of investment amount.

33

V. RIGHTS OF UNITHOLDERS
Please refer to SAI for details.

VI. PENALTIES, PENDING LITIGATION OR PROCEEDINGS, FINDINGS OF INSPECTIONS OR INVESTIGATIONS FOR WHICH ACTION MAY HAVE BEEN TAKEN OR IS IN THE PROCESS OF BEING TAKEN BY ANY REGULATORY AUTHORITY
1. All disclosures regarding penalties and action(s) taken against foreign Sponsor(s) may be limited to the jurisdiction of the country where the principal activities (in terms of income / revenue) of the Sponsor(s) are carried out or where the headquarters of the Sponsor(s) is situated. Further, only top 10 monetary penalties during the last three years shall be disclosed. Not Applicable 2. Details of all monetary penalties imposed and/ or action taken during the last three years or pending with any nancial regulatory body or governmental authority, against Sponsor(s) and/ or the AMC and/ or the Board of Trustees /Trustee Company; for irregularities or for violations in the nancial services sector, or for defaults with respect to share holders or debenture holders and depositors, or for economic offences, or for violation of securities law. Details of settlement, if any, arrived at with the aforesaid authorities during the last three years shall also be disclosed. There were no monetary penalties imposed and/ or action taken during the last three years or pending with any nancial regulatory body or governmental authority, against Sponsor(s) and/ or the AMC and/ or the Board of Trustees /Trustee Company; for irregularities or for violations in the nancial services sector, or for defaults with respect to share holders or debenture holders and depositors, or for economic offences, or for violation of securities law. There were no settlement arrived at with the aforesaid authorities during the last three years. Details of all enforcement actions taken by SEBI in the last three years and/ or pending with SEBI for the violation of SEBI Act, 1992 and Rules and Regulations framed there under including debarment and/ or suspension and/ or cancellation and/ or imposition of monetary penalty/ adjudication/enquiry proceedings, if any, to which the Sponsor(s) and/ or the AMC and/ or the Board of Trustees /Trustee Company and/ or any of the directors and/ or key personnel (especially the fund managers) of the AMC and Trustee Company were/ are a party. The details of the violation shall also be disclosed. There was no enforcement actions taken by SEBI in the last three years and/ or pending with SEBI for the violation of SEBI Act, 1992 and Rules and Regulations framed there under including debarment and/ or suspension and/ or cancellation and/ or imposition of monetary penalty/ adjudication/enquiry proceedings, if any, to which the Sponsor(s) and/ or the AMC and/ or the Board of Trustees /Trustee Company and/ or any of the directors and/ or key personnel (especially the fund managers) of the AMC and Trustee Company were/ are a party. Any pending material civil or criminal litigation incidental to the business of the Mutual Fund to which the Sponsor(s) and/ or the AMC and/ or the Board of Trustees /Trustee Company and/ or any of the directors and/ or key personnel are a party should also be disclosed separately. There is no pending material civil or criminal litigation incidental to the business of the Mutual Fund to which the Sponsor(s) and/ or the AMC and/ or the Board of Trustees /Trustee Company and/ or any of the directors and/ or key personnel are a party. Any deciency in the systems and operations of the Sponsor(s) and/ or the AMC and/ or the Board of Trustees/Trustee Company which SEBI has specically advised to be disclosed in the SID, or which has been notied by any other regulatory agency, shall be disclosed. There was no deciency in the systems and operations of the Sponsor(s) and/ or the AMC and/ or the Board of Trustees/Trustee Company which SEBI has specically advised to be disclosed in the SID, or which has been notied by any other regulatory agency. Notwithstanding anything contained in this Scheme Information Document, the provisions of the SEBI (Mutual Funds) Regulations, 1996 and the guidelines there under shall be applicable. For and behalf of the Board of Directors of RELIANCE CAPITAL ASSET MANAGEMENT LIMITED [Asset Management Company for Reliance Mutual Fund] Mumbai (Sundeep Sikka) September 26, 2012 Chief Executive Officer

3.

4. 5.

34

TH IS PA GE IS IN TE NT IO NA LL Y KE

PT

BL

AN

DESIGNATED INVESTOR SERVICE CENTRES RELIANCE CAPITAL ASSET MANAGEMENT LTD.


Adayar: Shop No. 3, Ground Floor, Anu Arcade, No. 1, 15th Cross Street, Shashtri Nagar, Adyar, Chennai - 600 020. Agra: Block No. 50, Anupam Plaza, Opp FCI, Sanjay Place, Agra-282002. Ahmedabad: 4th Floor, Megha House, Mithakhali, Law Garden Road, Ellis Bridge, Ahmedabad 380 006. Ahmednagar: 1st Floor, Excel Arcade, Near hotel Amar, Laltaki, Sarjepura, Ahmednagar 414001. Ajmer: 3rd Floor, India Square, India Motor Circle, Kutchery Road, Ajmer 305001. Alappuzha: 3rd Floor, Chandra Square, Cullen Road, Alappuzha - 688011. Aligarh: 1st Floor, B - 101, Center Point Market, Samad Road, Aligarh 202001. Allahabad: 2nd oor, House No. 31/59, Shiv Mahima Complex, Civil Lines, Allahabad - 211 001. Alwar: 1st Floor, Ofce No 137, Jai Complex, Plot No. 1, Near Canara Bank, Road No. 2, Alwar - 301001. Ambala: Shanti Complex, 4307/12, 2nd Floor, Opp. Civil Hospital Jagadhari Road, Ambala Cannt - 133001. Amravati: Vimaco Towers, C Wing 4,5,6, Amravati - 444601, Maharashtra. Amritsar: SF-1, 4th Floor, 10, Eminent Mall, The Mall, Amritsar - 143 001. Anand: 2nd Floor, 204, Maruti Sharnam, Anand Vidhyanagar Road, Anand - 388001. Andheri: Shop no. 3, ground oor, Mona shopping centre, J P Road, Near Navrang Cinema, Andheri (W), Mumbai - 400058. Anna Nagar: No.338/7,First Floor, New Sunshine Apartment, Second Avenue, Anna Nagar, Chennai-600040. Asansol: 2nd Floor, Laxi Narayan Avenue,Room No -30,Murgasol, G.T Road ,Asansol - 713301. Aurangabad: C-8,2nd oor,Aurangabad, Business center,Adalat Road,Aurangabad-431001. Bangalore: N-111-112-114, 1st oor, north block, Manipal centre, Dickenson Road, Banglore - 560 042. Bardoli: 1st Floor, Ofce No 68,69,70, Mudit Palace, Station Road, Bardoli 394601. Bareilly: 1st Floor, 54, Civil Lines, Ayub Khan Chauraha, Bareily 243001. Belgaum: 1st Floor, Shree Krishna Towers, RPD Cross No 14, Khanapur Road, Tilakwadi, Belgaum - 560009. Bharuch: Bluechip, 1st Floor, Shevashram Road, Panch Batti, Bharuch - 392001. Bhatinda: Jindal Complex, 2nd Floor, G T Road, Bathinda - 151001. Bhavnagar: 3rd Floor, Corporate House, Plot No. 11B, Waghawadi Road, Bhavnagar - 364004. Bhilai: 2nd Floor, Priyadarshani Panisar, above dominos pizza,Nehru Nagar, Near Railway Crossing, Bhilai - 490020. Bhilwara: 1st Floor, 101, S K Plaza, Pur road, bhilwara - 311001. Bhopal: Kartar towers, 2nd oor, E2/20, Arera Colony Opp Habibganj railway station, next to hotel sangeet Bhopal - 462 016. Bhubaneswar: 2nd Floor, Near Kalsi Petrol Pump, 5 - Janpath Karvil Nagar, Bhubaneshwar - 751001. Bhuj: Shop no-214 & 215, 1st Floor, Shah Commercial Complex, B/s SBI bank, Near ICICI bank, Station road, Bhuj-370001. Bikaner: Shop no. 26-27, 1st Floor, Silver Square, Rani Bazaar, Bikaner - 334001. Bokaro: GB-20, City Center , Sector-4 Bokaro-827004. Borivali: Premise No 101, Vraj Deep,Junction of Chandavarkar Road & Eksar Road,Borivali West,Opp to Megh Mayur Tower,Mumbai - 400091. Burdwan: Ground Floor, 10 G T Road, Opp. Ofcers Colony, Kali Mandir, Burdwan- 713101. Calicut: 6/1002M, 4th Floor, City Mall, Kannur Road (Opp Y.M.C.A), Calicut 673 001. Chandigarh: 1st Floor, SCO No 449-450, Sector 35-C, Chandigarh 160034. Chennai: Reliance House, No. 6 Haddows Road, Opp Shastri Bhavan, Chennai 600006. Cochin: 3rd Floor,Chicago Plaza, Rajaji Road,Ernakulam,Cochin - 682 035. Coimbatore: Second Floor, Ahuja Towers, 42/15, T.V.Swamy Road (West), R.S.Puram, Coimbatore- 641002. Dadar: 5th Floor, Ofce No.1, Laxmi Commercial Premises, Opp. Dadar Railway Station, Dadar (W), Mumbai - 400 028. Dalhousie: 14B, 18, British Indian Street, GF Shop No. 14, Kolkata - 700 001. Dehradun: 2nd Floor, NCR Corporate Plaza, New Cantt Road, Dehradun - 248001. Dhanbad: 4th Floor, Shree Laxmi Complex, Bank Mode, Dhanbad - 826001. Dindigul: 2/2, 1st Floor, Surya Tower, Above ICICI Bank, Salai Road, Dindigul - 624001.Durgapur: Plot No 848, City Centre, Near Rose Valley Hotel, 2nd Floor, Durgapur - 713216. Erode: Samys Nest, No.63, Mosuvanna Street EVN Road, Erode -638011. Faridabad: Booth no. 112-P, Sector-15, Urban Estate, Faridabad - 121 007. Firozabad: 1st Floor, Plot No 9/1, Raniwala Market, Agra Road, Above UCO Bank, Firozabad 283203. Gandhinagar: Ofce No 313, Meghmalhar, Sector 11, Ch Road, Gandhinagar - 382 017. Ghaziabad: C-78, Sudesh Plaza, 3rd Floor,RajNagar District Centre, Ghaziabad - 201010. Godhra: 2nd Floor, Gurukrupa Complex, LIC Road, Near SBI, Godhara 389001. Gorakhpur: 1st Floor, Radhika Complex, Medical Road, Gorakhpur - 273409. Guntur: Pranavam Plaza, Door No. 5-35-69, 4/9, Brodipet, Guntur - 522002. Gurgaon: Palm Court Building, Ground Floor, Unit No 4 & 5, Sector 14, Gurgaon - 122001. Guwahati: 2E, 2nd Floor, Dihang Arcade, ABC, Rajiv Bhavan, G S Road, Guwahati - 781 005. Gwalior: 3rd Floor, Alaknanda Tower, City Centre, Gwalior 474002. Haldwani: C/O Uma Nand Sharma, B Block, 2nd Floor, Above Birla Sun Life Insurance Co Ltd, Durga City Centre, Haldwani - 263139. Haridwar: 2nd Floor, Shyam Tower, Near Nandpuri gate, Jwalapur, haridwar - 249407. Himmatnagar: Ofce No 1,2,3, Ground Floor, Rajkamal Chambers, Near LIC, Highway Road, Polo Ground, Vistar, Himmatnagar - 383001. Hissar: 1st Floor, 149, Red square market, CUE-I, Hissar - 125001 . Hoshiyarpur: 2nd Floor, Eminent Mall, Plot No. B-XX/214, Main Court, Hoshiyarpur - 146001. Howrah: 2/1, Bhajan Lal Lohia Lane, Krishna Enclave , Howrah -711101. Hubli: Eureka Junction, 1st Floor, Above ICICIBank, Travellers Bunglow Road, Hubli-580029. Hyderabad: 2nd Floor,Shobhan, 6-3-927/A & B, Somajiguda, Raj Bhawan Road, Hyderabad 500082. Indore: 303 & 304, D M Towers,21/1 Race Course Road, Near Janjirwala Square, Indore - 452 001. Jabalpur: 1st Floor, Raj Leela Tower, 1276 Wight Town, Allahabad Bank, Jabalpur 482001. Jaipur: Durga Business Corner, 201 to 204, P-5/2, Opposite Gangaur Hotel, M.I. Road, Jaipur - 302001. Jalandhar: 4th Floor, The Axis, Plot No.1, Badri Dass Colony, BMC Chowk, G. T. Road, Jalandhar-144001. Jalgaon: 18, 2nd Floor, Dhake Colony, Dhake Carporate Centre, Jalgaon 425 001. Jammu: Banu Plaza, B-2, 206, South Block, Railway Head, Jammu, Jammu & Kashmir - 180001. Jamnagar: Shop no. 2, 3, 4 & 5, Ground Floor, Shilp, Indira Nagar, Jamnagar - 361 140. Jamshedpur: Ofce No. 310 ,3rd Floor, Yashkamal Complex, Bistupur , Jamshedpur -831001. Janakpuri: B-25, 3rd Floor, B Block Community Centre, Janakpuri, Delhi-110058. Jaunpur: 2nd Floor, RN Complex, 119G, Umarpur, Haribandhanpur, Post Sadar, Jaunpur - 222002. Jayanagar: 118/1,First Floor, Venkat Elegance, 6th C Main Road, 4th Block, Jayanagar, Bangalore-560011. Jhansi: 1st Floor, 493, Stephen House, Civil Lines, Opp. Munnalal Power House, Gwalior Road, Jhansi - 284001. Jodhpur: Dhir Jhankar, 3rd Floor, Opp. Gulab Halwa Wala, IIIrd B Road, Sardarpura, Jodhpur 342003. Junagarh: 1st Floor, Moti Palace Building, Opposite Raiji Baug, Moti Baug, Junagarh 362001. Kakinada: 13-1-51,1st Floor, Golden Complex, Surya Rao Pet, Kakinada - 533 001. Kalyan: Shop No 4, Gr Floor, Santoshi Mata road, Mahavir Complex, Kalyan (W) 421301. Kalyani: 1st Floor, B-8/25(CA), KALYANI NADIA ,WB-741235. Kangra: Ground Floor, Shop No 3018, War No 9, Above SBI, Kangra - 177103. Kanpur: 6th Floor,Ofce No-3, KAN Chambers,14/113, Civil Lines, Kanpur - 208 001. Kharagpur: Atwal Real Estate, M S Towers, O T Road, INDA, Kharagpur - 721305. Kolhapur: Upper Ground Floor,Gemstone - RD Vichare Complex, Near Central ST stand, New Shahupuri, Kolhapur - 416 001. Kolkata: Unit no. 10,11 & 12, 5th oor, FMC Fortuna,A J C Bose, Kolkata 700 020. Kollam: 1st Floor,(Rear side), Dharussalam Complex, Private Bus stand Road,Thamarakulam, Kollam-691001. Kota: Ground Floor, Mewara Plaza,344, Shopping Centre, rawatbhata gumanpura road, Kota -324007. Kottayam: 1st oor,Kaniyamparambil Arcade, Shastri Road, Kottayam 686001. Lajpat Nagar: 1st Floor, E-100, (Above Corporation Bank), Lajpat Nagar - II, New Delhi - 110024. Lucknow: 3rd Floor, Halwasiyas Commerce House, Habibullah estate, hazratganj, 11 M G marg, Lucknow - 226001. Ludhiana: Lower Ground Floor, SCO 127-128-129, Feroze Gandhi Market, Ludhiana - 141001. Madurai: 1st Floor, Suriya Towers, 272, 273, Goods Shed Street, Madurai - 625001. Malappuram: 1st Floor, Dr.Aboos Arcade, Kunnummel,Near St.James Girls High school,Malappuram 676505. Malleswaram: Door No.89 (Old no.36), Ground Floor, 3rd Cross, Sampige Road, Malleswaram, Banglore - 5600 003. Mangalore: 4th Floor , Maximus Commercial Complex,LHH Road, Opp KMC, Mangalore - 575001. Margao: Shop No. 3, Mira Building ,Pajifond, Near Jain Mandir, Margao, Goa - 403601. Mathura: 1st Floor, Tera Tower, Bhuteshwar Road, Mathura - 281004. Meerut: Ground Floor, G-14, Rama Plaza, Bachha Park, WK Road, Meerut - 250001. Mehsana: F 9, F 10, F 11,1st Floor, Wide Angle, Mehsana Highway, Near Khari Bridge, Mehsana 384002. Moradabad: 1st Floor, Brass City Buildcon , Opp Cross Road Mall, Avas Vikas, Civil Lines, Moradabad 244001. Corporate: 12th Floor, Tower 1, One Indiabulls Center, Tower One, Jupiter Mills Compound, 841, Senapati Bapat Marg, Elphinstone Road (West), Mumbai - 400 013. Mittal Branch: Mittal Chambers, 228, Ground Floor, Nariman Point, Mumbai - 400021. Muzaffarnagar: 1st Floor, 139, Sarvat Gate North, Ansari Road, Muzaffarnagar - 251002. Mysore: Shop No. 1, Ground Floor, Mahindra Arcade, Saraswathipuram, 2nd Main Road, Mysore - 570009. Nagpur: Ofce No 101, 1st Floor, Ramdaspeth , behind SBI Bank , Thapar Inclave 2 , Nagpur- 440010. Nanded: Ofce no 4, Ali bhai Tower, Shivaji Nagar Corner, Nanded - 431602. Nashik: Ground Floor 57, Karamkala Building, Opp. Old Corporation Building, New Pandit Colony, Sharanpur Road, Nasik-422002. Navsari: Chinmay Arcade, 3rd Floor, (3/1&2), opp Sattapir Sayaji Road, Navsari -396445. Nehru Place: SF-17,18,19, ground oor,Devika Tower, 6, Nehru Place, New Delhi - 110 019. New Delhi: 807, 8th oor,Ashoka Estate, 24, Barakhamba Road, New Delhi - 110 001. Noida: Shop No. 1, Gound Floor, Ansal Fortune Arcade, Secotor, 18,Noida, - 201301. Pali: 1st Floor, Srinath Complex, 87B, Veer Dugra Das Nagar, Pali - 306401. Panaji: 1st Floor, Block D, Ofce No F17, F18, F19 & F20, Alfran Plaza, Mahatma Gandhi Road, Panjim - 403001. Panipat: 1st Floor, Royal II, 1181, G T Road, Opposite Railway Road, Panipat 132103. Pathankot: 2nd oor, LML, Mahajan Sales, Dhangu Road, Near Power House, Pathankot 145001. Patiala: Gr. Floor, SCF No 109, Choti Baradari,Nabha Gate(West) Patiala - 147001, Punjab. Patna: 4th Floor, Shahi Building, Exibhition Road,Opposite Chanakya Cinema Hall, Patna-800001. Phagwara: 1st Floor, Shop no. 106, Arora Prime Tower, Singhla market, G T Road, Phagwarah - 144401. Pondicherry: Jayalakshmi Complex, R.S No. 34/5pt, Block No. 5, Thiruvalluvar Salai, Kuyavarpalyam, Pondicherry - 605005. Pune: 201, 202, 2nd Floor & 301, 3rd oor, Sanas Memories, F C Road, Shivaji Nagar, Pune - 411 004. Raipur: 1st oor, D M Plaza, Chhotta Para, Fire Brigade chowk, Raipur- 492 001. Rajhamundary: Jetty Enclave, Door No. 79-2-9/3, Tilak Road, Opposite Saibaba Temple, Rajamundry 533 103. Rajkot: 2nd Floor, Plus Point, Opp Haribhai Hall, Dr. Yagnik Road, Rajkot - 360001. Ranchi: Ofce No. 317, 3rd Floor, Panchwati Plaza, Kutchery Road, Ranchi 834001. Rohtak: 2nd Floor, Ashoka Plaza, Delhi Road, Rohtak 124001. Rourkela: 4th Floor, Triveni Complex, Madhusudan Marg, Rourkela, Orissa-769001. Sagar: 1st Floor, 10 Civil Lines, Yadav Complex, Sagar 470 002. Saharanpur: 1st Floor, Plot No.5/2, Survey No. 649/A/1/17/2,CTS No. - 6862, Kulkarni Garden, Saharanpur Road, Nashik - 422002. Salem: 2nd Floor, Kandaswarna Mega Mall, Survey No. 186/2E, Alagapuram, Opp Saradha College, Fairlands, Salem - 636016. Salt lake city: B D 25, Salt Lake, Sector - 1, Kolkata - 700064. Satna: Second Floor, Shree TMD Complex, Reva Road, Opposite Hotel Savera, Satna 485 001. Shillong: Reena Enterprises Pvt Ltd, Quinton Road European Ward Shillong -793001. Shimla: No. 17, Alle no. 9, Middle Bazar,The Mall, Shimla -171001. Siliguri: Gitanjali Complex, 1st Floor, Sevoke Road, Siliguri 734001. Solapur: 4th Floor, Sun Plaza, 8516/11, Murarji Peth, Solapur 413 001. Sriganganagar: 1st Floor, Plot No 4, NH-15, Opposite Bihani Petrol Pump, Sri Ganganagar - 335001. Srinagar: 4th Floor, Chinar Commercial Complex, The Bund Residency Road, Srinagar - 190001. Surat: No.118, 1st Floor, Jolly Plaza, Opp. Athwagate Police Chowki, Athwagate Circle, Surat - 395001. T Nagar: Old No. 31 & 32, New no. 52 & 54, TVL Boag Willa, North Boag Road, T Nagar, Chennai 600 017. Thane: Shop No 4, Ground Floor, Satyam Apartment, M G Road, Near Naupada Police Station, Thane - 400 602. Thanjavur: 2nd Floor, Shop No (3A), No. 70, Srinivasan Pillai Road, Thanjavur - 613001. Thiruvalla: 2nd Floor, Erinjery Building, M C Road, Thiruvalla - 689107. Thrissur: 4th oor, Pathayapura Building, Round South, Thrissur - 680001. Tinsukia: 1st Floor, Satyam Towers , S.R lohia Road (SBI Gali) Near ICICI Bank Tinsukia - 786125. Tirupati: 1st Floor, 20-1-136/D,Maruthi Nagar,Tirumala By Pass Road,Tirupati - 517501. Tiruppur: 1st Floor, No.2, JK Tower, Main Road, Binny Compound, Tiruppur-646101. Tiruchirappalli: Ground Floor, Plot No. D-27, Door No. D-27, 7thCross (East), Thillainagar, Tiruchirappalli 620 018. Trivandrum: 1st r,Uthradam, Panavila Junction, Trivandrum - 695001. Udaipur: 2nd Floor, 1(2)A, K P Arcade, Fatehpura, Opposite UTI Ofce, Udaipur 313001. Udupi: 3rd Floor, Nanda Commercial & Health Centre Door No.6-2-105 D2, Court Road, Udipi 576101. Ujjain: 3rd Floor, Ofce No 309 and 310, Mani Trade Centre, Shanku Freeganj, Ujjain - 546006. Baroda: Ofce No. 101-102, 1st Floor, Tilak Complex, Jetalpur Road, Alkapuri, Vadodara - 390 005. Valsad: 1st Floor, Tarang Complex, Opposite GPO, Tithal Char Rasta, Valsad 396001. Vapi: 1st Floor, Royal Fortune, 102 b/b,102b/c,Daman Chala Road, Opp Upasna School, Vapi 396191. Varanasi: unit no. 2, 1st oor, Arihant Complex, Sigra Varanasi - 221 010. Vasco da gama: Shop No. S-1, Our Lady of Merces Building, Opp. K.T.C Bus Stand, Mundvel, Vasco Da Gama, Goa - 403802. Vashi: Thacker Tower, 702 & 703, Sector No. 17, Vashi, Navi Mumbai 400 705. Vellore: 2nd Foor, 19/A, Corporate House, Ofcers Line, Vellore - 632001. Vijayawada: 3rd oor, Surya tower,Above Icon showroom, M G Road, Labbipet, Vijayawada - 520 010. Visakhapatnam: 2nd Floor, VRC Complex, Dwarka Nagar, Vishakhapatnam-530016. Warangal: Ground Floor, H No. 5-9-130,130/1&130/2, Sikhwadi,Hanamkonda,Warangal - 506001. Yamunanagar: 1st Floor, 514,515 A, Model Town, Govindpuri road, Yamunanagar - 135001. Bilaspur: 1st Floor, Krishna, Sonchhatra Compound, Shiv Talkies Tarbahar Road, Near RNT Square, Bilaspur 495004. Ichalkaranji: 2nd Floor, Ward No 16, H No 1545, Ichalkaranji Kolhapur Main Road, Near Central Bus Stand, Ichalkaranji - 416115. Satara: Ground Floor, Sai Plaza, Near Powai Naka, Satara 415001. Sangli: Ground Floor, Ofce No G 4, Siddhivinayak Forum Opp. Zilla Parishad, Miraj Road, Sangli - 416416. Ghatkopar: Ofce No. 305, 3rd Flr, Monte Rossa Building, 90 Feet Road, Near Ganesh Mandir, Ghatkopar (E), Mumbai 400 077.

KARVY COMPUTERSHARE PRIVATE LIMITED


Agartala: Jagannath Bari Road,Bidur Karta Chowmuhani, Agartala - 799001. Agra: Deepak Wasan Plaza, Behind Holiday Inn, Opp Megdoot Furnitures, Sanjay Place, Agra -282002 (U.P). Ahmedabad: 201,Shail Building, Opp : Madhusudhan House, Nr. Navrangpura Telephone Exchange, Navrangpura, Ahmedabad - 380 006. Ajmer: 1-2, II Floor, Ajmer Tower, Kutchary Road, Ajmer - 305 001. Akola: Shop No-30, Ground Floor, Yamuna Tarang Complex, N.H. No.-06, Murtizapur Road, Akola-444004. Aligarh: 1St Floor, Kumar Plaza, Aligarh - 202001, Uttar Pradesh. Allahabad: RSA Towers, 2nd Floor, Above Sony TV Showroom, 57, S P Marg, Civil Lines, Allahabad - 211001. Alleppy: 2nd Floor, JP Towers, Near West Of zilla Court Bridge, Mullakkal, Alleppy - 688011. Alwar: 101, 1st Floor, Saurabh Towers, Opp. UTI, Road No # 2, Bhagat Singh Circle, Alwar-301001. Amaravathi: Shop No. 13 & 27, First Floor, Gulshan Plaza, Raj Peth, Badnera Road, Amaravathi - 444605. Ambala: 6349, Nicholson Road, Adjacent Kos Hospital, Ambala Cantt, Ambala - 133001. Amritsar: 72-A, TaylorS Road,Aga Heritage Gandhi Ground, Amritsar - 143 001. Anand: F-6, Chitrangana Complex,Opp: Motikaka Chawl ; V V Nagar, Anand - 388 001. Ananthapur: # 15-149,

1st Floor, S.R.Towers, Opp: Lalithakala Parishat; Subash Road, Anantapur - 515 001. Angul: Durga Shankar Road, Main Road, Infront of AXIS bank, Angul -759122. Ankleshwar: L/2,Keval Shopping Center, Old National Highway, Ankleshwar- 393 002. Asansol: 114 / 71,G.T. Road, Near Sony Centre,Bhanga Pachil, Asansol - 713303. Aurangabad: Ramkunj, Railway Station Road,Near Osmanpura Circle, Aurangabad-431005. Azamgarh: 1st Floor Alkal Building, Opp. Nagaripalika Civil LIne, Azamgarh-276 001. Balasore: M S Das Street, Gopalgaon, Balasore - 756001. Bangalore: No : 51/25, 1 St Floor, Surya Building, Ratna Avenue, Richmond Road, Bangalore - 560 025. Bankura: Ambika Market, Natunganj, Bankura - 722101. Bareilly: 1st Floor, 165, Civil Lines, Opp.Hotel Bareilly Palace, Near Rly Station Road, Bareilly - 243 001. Berhampore (WB): Thakur Market Complex, 72,Naya Sarak Road, Gorabazar, PO. Berhampore, DIST. Murshidabad, Barhampore -742101. Baroda: SB-4&5, Mangaldeep Complex, Opposite Mesonic Hall. Productivity Road, Alkapuri, Vadodara - 390007. Begusarai: Hotel Diamond Surbhi Complex, Near I.O.C Township Gate, Kapasiya Chowk, Begusarai - 851117. Belgaum: CTS No 3939/ A2 A1, Above Raymonds Show Room, Beside Harsha Appliances,Club Road, Belgaum - 590001. Bellary: No.1 Khb Colony, Gandhinagar, Bellary - 583101. Berhampur (OR): Ramlingam Tank Road, Berhampur-760002. Betul: 107, Hotel Utkarsh, Awasthi Complex, J H College Road, Civil Lines,Beetul-460001. Bhagalpur: 2nd Floor, Chandralok Complex, Ghantaghar, Radha Rani Sinha Road, Bhagalpur - 812001. Bharuch: 147-148,Aditya Complex, NearKasak Circle, Bharuch - 392 002. Bhatinda: #2047- A, 2nd Floor, Above Max New York Life Insurance, The Mall Road, Bhatinda - 151001. Bhavnagar: Surabhi Mall, 301, 3rd Floor, Waghawadi Road, Bhavnagar - 364001. Bhilai: Shop No-1, First Floor, Plot NO-1, Old Sada Ofce Block, Commercial Complex, Near HDFC Atm, Nehru Nagar- East, Post - BHILAI, Pin - 490020. Bhilwara: 27-28, 1St Floor, Hira-Panna Complex, Pur Road, Bhilwara-311001. Bhopal: Kay Kay Busniss Centre,133, Zone I, M P Nagar, Bhopal-462011. Bhubaneswar: Plot No- 104/105(P), Jaydev Vihar, Besides Hotel Pal Heights, Bhubaneswar-751013. Bikaner: 2Nd Floor, Plot No 70 & 71,Panchshati Circle, Sardul Gunj Scheme,Bikaner-334003. Bilaspur: Shop No 201/202, V.R.Plaza, Link Road, Bilaspur-495001. Bokaro: B-1, 1St Floor, Near Sona Chandi Jewellers, City Centre, Sector - 4, Bokaro Steel City - 827 004. Burdwan: 63 G T Road, Birhata,,Halder Complex, 1St Floor,,Burdwan - 713101. Calicut: Sowbhagya Shoping Complex, Areyadathupalam, Mavoor Road, Calicut - 673 004. Chandigarh: Sco-371-372; First Floor; Above Hdfc Bank; Sector 35B, Chandigarh - 160 022. Chandrapur: Shop No.5, Ofce No.2, 1St Floor, Routs Raghuvanshi Complex, Beside Azad Garden, Main Road, Chandrapur-442402. Chennai: Flat No F11, First Floor, Akshya Plaza, (Erstwhile Harris Road), Opp Chief City Metropolitan Court, # 108, Adhithanar Salai, Egmore, Chennai - 600002. Chinsura: JC Ghosh Sarani, Near Bus Stand ,Chinsura - 712101. Cochin: BuildingNos.39 Ali Arcade ,1st oor, Near Atlantis Junction, KizhvanaRoad, PanampiliNagar, Cochin-682 036. Coimbatore: 29/1, 2 ND Floor, Chinthamani Nagar, Opp To Indian Overseas Bank, Nsr Road, Saibaba Colony, Coimbatore- 641011. Coonoor: 76 Cammellia Terrace, Grays Hills,,Coonoor-643101. Cuttack: Dargha Bazar, Opp. Dargha Bazar Police Station, Buxibazar, Cuttack - 753001. Darbhanga: Jaya Complex, 2nd Floor, above furniture planet, Donar chowk, Darbanga-846 003. Davangere: # 15/9, Sobagu Complex, 1St Floor, 2Nd Main Road, P J Extension, Davangere : 577002. Dehradun: Kaulagarh Road, Near Sirmour Marg ,Above Reliance Webworld, Dehradun - 248 001. Deoria: 1St Floor, Shanti Niketan,Opp. Zila Panchayat, Civil Lines, Deoria- 274001. Dewas: 27 Rmo House, Station Road, Dewas-455001.Dhanbad: 208, New Market, 2Nd Floor, Katras Road, Bank More, Dhanbad - 826001. Dharwad: G7 & 8, Sri Banashankari Avenue, Ramnagar , Opp Nttfpb Road, Dharward - 580 001. Dhule: Ashoka Estate, Shop No. 14/A, Upper Ground Floor,Sakri Road, Opp. Santoshi Mata Mandir, Dhule-424001. Dindigul: No.9, Old No.4/B, New Agraharam, Palani Road, Dindigul - 624 001. Durgapur: MWAV-16 Bengal Ambuja, 2ndFloor, City Centre, Durgapur- 713216. Eluru: D.NO:23B-5-93/1, Savithri Complex, Edaravari Street, Near Dr.Prabhavathi Hospital,R.R.Pet, Eluru-534 002. Erode: No. 4,KMY Salai, Veerappan Traders Complex, Opp : Erode Bus Stand, Sathy Road, Erode - 638 003. Faridabad: A-2B, 1st Floor,Nehru Ground, Neelam Bata Road, Nit, Faridabad - 121 001. Ferozpur: 2nd Floor, Malwal Road, Opp. H.M. School, Ferozpur City -152002. Gandhidham: Ofce No. 203, Second Floor, BhagwatiChamber, Plot No. 8,Sector - 1/A, Kutch Kala Road, Gandhidham - 370 201. Gandhinagar: Plot No. - 945/2, Sector - 7/C, Gandhinagar- 382 007. Gaya: 1St Floor Lal Bhawan, Tower Chowk, Near Kiran Cinema, Gaya823001. Ghaziabad: 1st Floor,,C-7, Lohia Nagar, Ghaziabad - 201001. Ghazipur: Shubhra Hotel Complex, 2nd Floor, Mahaubagh, Ghazipur-233 001. Gonda: Shree Markit, Sahabgunj, Near Nuramal Mandir, Station Road Gonda, Gonda-271 001. Gondia: Shop No. : 9, Raj Laxmi Complex, Rail Toly, Gondia- 441 614. Gorakhpur: Above V.I.P. House, Ajdacent A.D. Girls Inter College, Bank Road,Gorakpur - 273 001. Gulbarga: CTS No. 2913, First Floor, Asian Tower, Next To Hotel Aditya, Jagat Station Main Road, Gulbarga : 585105. Guntur: Door No : 6- 10-18 , Sai House, 10 / 1, Arundelpet, Guntur - 522 002. Gurgaon: Shop No. 18, Ground Floor, Sector - 14, Opp. AKD Tower, Near Huda Ofce, Gurgaon - 122001. Guwahati: 54 Sagarika Bhawan, R G Baruah Road, (AIDC Bus Stop), Guwahati 781024. Gwalior: Shindi Ki Chawani, Nadi Gate Pul, MLB Road, Gwalior - 474 001. Hajipur: Ramraja Complex, Kacheri Road, Near Canara Bank, Hajipur - 844101. Haldwani: Above Kapilaz Sweet House,Opp LIC Building, Pilikothi,Haldwani - 263139, Uttarakhand. Haridwar: 8, Govind Puri, Opp. LIC - 2, Above Vijay Bank, Main Road, Ranipur More, Haridwar-249 401. Hassan: St.Anthonys Complex, Ground Floor; H N Pura Road, Hassan - 573201. Hazaribagh: C/O Hemlata Jain, Kalibari Road, Hazaribagh - 825301. Hissar: Sco 71, 1st Floor, Red Square Market, Hissar - 125001. Hoshiarpur: Ist Floor, The Mall Tower, Opp Kapila Hospital,,Sutheri Road, Near Maharaj Palace, Hoshiarpur - 146001. Hubli: 22 & 23, 3rd Floor, Eurecka Junction, T B Road, Hubli - 580029. Hyderabad: 8-2-596 Karvy Plaza, Avenue 4, Street No.1 ,Banjara Hills, Hyderabad - 500 034, Indore: G - 7, Royal Ratan Building, M.G Road, Opp. Kotak Mahindra Bank., Indore - 452010. Jabalpur: 43, Naya Bazar, opposite shyam talkies, Jabalpur (M.P.) 482 001. Jaipur: S-16 A, 3Rd Floor, Land Mark, Opposite Jaipur Club, Mahavir Marg, C- Scheme, Jaipur - 302 001. Jalandhar: Lower Ground Floor, Ofce No : 3, Arora Prime Tower, Plot No : 28, G T Road, Jalandhar - 144 004. Jalgaon: 148 Navi Peth,Opp. Vijaya Bank, Near. Bharat Dudhalay , Jalgaon ,Jalgaon - 425 001. Jalpaiguri: D.B.C. Raod, Near Rupasree Cinema Hall, Beside Kalamandir, Po & Dist Jalapiguri, Jalpaiguri - 735101. Jammu: 29 D/C, Near Service Selection Commission Ofce, Gandhi Nagar, Jammu - 180004. Jamnagar: 108 Madhav Plaza, Opp SBI Bank, Near Lal Bangalow, Jamnagar - 361001. Jamshedpur: Kanchan Tower, 3Rd Floor, Chhaganlal Dayalji @ Sons,3-S B Shop Area, ( Near Trafc Signal ), Main Road, Bistupur, Jaunpur: 119,R N Complex, 2nd Floor, Near Jay Ceej Crossing, Ummarpur, Jaunpur-222 002. Jhansi: 371/01, Narayan Plaza, Gwalior Road, Near Jeevan Shah Chauraha, Jhansi - 284 001. Jodhpur: 203, Modi Arcade; Chupasni Road, Jodhpur - 342 001. Jorhat: New Medical Store Complex, 3Rd Floor, A T Road, Opp. Chowk Bazar, Jorhat - 785001. Junagadh: 124/125, Punit Shopping Center, Ranavat Chowk, Junagadh,Gujarat 362001. Kanchipuram: New No. 357, Old No. 230, Gandhi Road, Next To IDBI Bank, Kanchipuram-631501. Kannur: 2nd Floor, Prabhat Complex, Fort Road, Kannur - 670001. Kanpur: 15/46, Ground Floor, Opp: Muir Mills, Civil Lines, Kanpur - 208001. Karaikudi: Gopi Arcade,100 Feet Road, Karaikudi - 630 001. Karimnagar: H.No.4-2-130/131, Above Union Bank, Jafri Road, Rajeev Chowk, Karimnagar-505001. Karnal: 18/369, Char Chaman, Kunjpura road, Karnal-132001. Karur: No.6, Old No.1304,Thiru-Vi-Ka Road , Near G.R.Kalyan Mahal, Karur - 639 001. Keonjhar: 2nd Floor, Maruti Arcade, Thanna Square, Keonjhar-758001. Kharagpur: Malancha Road, Beside Uti Bank, Kharagpur-721304. Kolhapur: 605/1/4 E Ward, Near Sultane Chambers, Shahupuri 2nd Lane, Kolhapur-416001. Kolkata: 166A, RashbehariAvenue, 2nd Floor, NearAdiDhakerhwariBastralaya, OPP- Fortis Hospital, Kolkata-700029. Kollam: Ground oor, Vigneshwara Bhavan, Below Reliance Web World, Kadapakkada, Kollam - 691008. Korba: 1St Floor, 35 Indira Complex, T P nagar, Korba (C.G.) - 495677. Kota: H.No. 29, First Floor, Near Lala Lajpat Rai Circle, Shopping Centre, Kota - 324007. Kottayam: 1St Floor , Csi Ascension Church Complex, Kottayam - 686 001. Krishnagar: 52 R N Tagore Road High Street, Krishnagar Nadia, Nadia - 741101. Kurnool: Shop No.43, 1St Floor, S V Complex, Railway Station Road, Kurnool-518 004. Lucknow: Usha Sadan, 24, Prem Nagar, Ashok Marg, Lucknow - 226001. Ludhiana: SCO- 136 , First Floor, AboveAirtel Show Room, Feroze Gandhi Market, Ludhiana - 141001. Madurai: Rakesh Towers, 30-C, Bye Pass Road, Ist Floor, Opp Nagappa Motors, Madurai - 625010. Malappuram: First Floor Cholakkal Building, Near A U P School, Up Hill, Malappuram - 676505. Malda: Sahistuli Under Ward, No-6, English Bazar Municipality, No-1 Govt Colony, Malda - 732101. Mangalore: Ground Floor, Mahendra Arcade, Kodial Bail, Mangalore - 575 003. Mandi: House No.149/11, School Bazar, City Mandi-175 001. Himachal Pradesh. Margoa: 2Nd Floor, Dalal Commercial Complex, Opp:Hari Mandir, Pajifond, Margao-Goa-403601. Mathura: 3538-3540; Infront of BSA College, Gaushala Road, Mathura - 281004. Meerut: 1St Floor, Medi Centre Complex, Opp. Icici Bank, Hapur Road, Meerut - 250 002. Mehsana: Ul -47, Appolo Enclave;, Opp Simandhar Temple, Modhera Char Rasta; Highway, Mehsana-384002. Mirzapur: Girja Sadan, Dankin Gunj, Mirzapur-231001. Moga: Near Dharamshala Brat Ghar, Civil Line; Dutt Road, Moga-142001. Moradabad: Om Arcade, Parker Road, Above Syndicate Bank, Tari Khana Chowk, Moradabad - 244 001. Morena: Moti Palace, Near Ramjanki Mandir, Jiwaji Ganj, Morena -476 001. Mumbai: Ofce number: 01/04, 24/B, Raja Bahadur Compound, Ambalal Doshi Marg, Behind Bombay Stock Exchange, Fort, Mumbai - 400001.Muzaffarpur: 1St Floor, Uma Market, Near Thana Gumti, Motijheel, Muzaffarpur, Bihar - 842001. Mysore: L - 350, Silver Tower, Clock Tower, Ashoka Road, Mysore - 570 001. Nadiad: 105 Gf City Point, Near Paras Cinema, Nadiad - 387001. Nagarkoil: 3A, South Car street, Parfan Complex, Nr The Laxmi Villas Bank., Nagarcoil - 629001. Nagpur: Plot No.2/1, House No. 102/1, Mangaldeep Apartment, MataMandir Road, Opp.Khandelwal Jewellers, Dharampeth, Nagpur - 440 010. Namakkal: 105/2, Arun Towers, Paramathi Street, Namakkal 637 001. Nanded: Shop No. 4, First Floor, Opp. Bank Of India, Santkrupa Market, Gurudwara Road, Nanded-431602. Nasik: S-12, Second Floor, Suyojit Sankul, Sharanpur Road, Nasik - 422 002. Navsari: 1St Floor, Chinmay Arcade, Opp. Sattapir, Tower Road, Navsari - 396 445. Nellore: 207, II Floor, Kaizen Heights,16/2/230, Sunday Market, Pogathota, Nellore - 524001. New Delhi: 305, 3rd Floor, New Delhi House, Bara Khamba Road, Connaught Place, New Delhi-110 001 Nizamabad: H No. 4-9-55, 1St Floor, Uppala Rameshwara Complex, Jawahar Road, Nizambad-503 001. Noida: 307 Jaipuria Plaza; D 68 A, 2nd Floor, Opp Delhi Public School, Sector 26, Noida - 201301, Palghat: 12/310, (No.20 & 21), Metro Complex, Head Post Ofce Road, Sultanpet, Palghat - 678001, Panipat: 1St Floor, Krishna Tower, Near Hdfc Bank, Opp. Railway Road, G T Road, Panipat - 132103. Panjim: City Business Centre, Coelho Pereira Building, Room Nos.18,19 & 20, Dada Vaidya Road, Panjim - 403001. Pathankot: I Floor, 9A, Improvement Trust Building, Near HDFC Bank, Patel Chowk, Pathankot - 145001. Patiala: Sco 27 D, Chhoti Baradari, Patiala - 147 001 Patna: 3A, 3rd oor, Anand tower, Beside chankya cinema hall; Exhibition road, Patna - 800001. Pollachi: S S Complex, New Scheme Road, Pollachi 642002. Pondicherry: First Floor, No.7, Thiayagaraja Street, Pondicherry - 605 001. Proddatur: Beside SBI ATM, Near Syndicate bank, Araveti Complex, Mydukur Road, Kadapa Dist, Proddatur-516 360. Pudukottai: Sundaram Masilamani Towers, Ts No. 5476 - 5479, Pm Road, Old Tirumayam Salai, Near Anna Statue, Jublie Arts, Pudukottai-622 001. Pune: Shop No. 16, 17 & 18, Ground Floor, Sreenath Plaza, Dyaneshwar Paduka Chowk, F C Road, Pune - 411004. Puri: Ground Floor, Vip Road, Near Pkda Ofce, P.S.Puri, Puri-752001. Raipur: Room No. TF 31, 3 RD FLOOR, Millennium Plaza, Behind Indian Coffee House, G E Road, Raipur - 492 001. Rajahmundry: Dr.No; 6-1-4, rst oor, Rangachary street, Tnagar, Rajahmundry-533101. Rajapalayam: Professional Couriers Building, 40/C (1), Hospital Road, Rajapalayam-626 117. Rajkot: 104, Siddhi Vinayak Complex, Dr Yagnik Road, Opp Ramkrishna Ashram, Rajkot - 360 001. Ranchi: Room No. 307, 3Rd Floor, Commerce Towers, Beside Mahabir Towers, Main Road, Ranchi - 834 001. Ratlam: 1 Nagpal Bhavan, Freeganj Road, Tobatti, Ratlam-457001. Renukoot: Shop No. 18, Near Complex Birla Market, Renukoot-231 217. Rewa: Ist Floor, Angoori Building, Besides Allahabad Bank, Trans University Road, Civil Lines, Rewa-485 001. Rohtak: 1St Floor, Ashoka Plaza, Delhi Road, Rohtak - 124001. Roorkee: Shree Ashadeep Complex, 16 Civil Lines, Near Income Tax Ofce, Roorkee, Uttaranchal - 247 667. Rourkela: 1St Floor, Sandhu Complex, Kanchery Road, Udit Nagar, Rourkela - 769 012. Sagar: Above Poshak garments, 5 Civil Lines, Opposite Income Tax Ofce, Sagar-470002. Saharanpur: 18 Mission Market, Court Road, Saharanpur - 247001, Uttar Pradesh. Salem: Door No: 40, Brindavan Road, Near Perumal Koil, Fairlands, Salem-636016. Sambalpur: Quality Massion, 1St Floor, Above Bata Shop / Preeti Auto Combine, Nayapara, Sambalpur-768 001. Satna: 1St Floor, Gopal Complex, Near Busstand Rewa Road, Satna (M.P) -485 001. Shaktinagar: 1st/A-375, V V Colony, Dist. Sonebhadra, Shaktinagar-231 222. Shillong: Mani Bhawan, Thana Road, Lower Police Bazar, Shillong - 793 001. Shimla: Triveni Building, By Pas Chowk; Khallini, Shimla - 171 002. Shimoga: Uday Ravi Complex , LLR Road, Durgi Gudi, Shimoga - 577201. Shivpuri: 1ST Floor, M.P.R.P. Building, Near Bank of India, Shivpuri-473 551. Sikar: 1St Floor, Super Towers, Behind Ram Mandir, Station Road, Sikar-332001. Silchar: 1St Floor, Chowchakra Complex, N N Dutta Road, Premtala, Silchar - 788001. Siliguri: Nanak Complex, Near Church Road, Sevoke Road, Siliguri - 734001. Sitapur: 12/12-A Surya Complex, Arya Nagar, Opp. Mal Godam, Sitapur - 261001. Sivakasi: 363, Thiruthangal Road, Opp: Tneb, Sivakasi 626 123. Solan: Sahni Bhawan, Adjacent Anand Cinema Complex, The Mall, Solan-173 212. Solapur: Siddeshwar Secrurities, No 6, Vaman Road, Vijaypur Road, Vaman Nagar, Solapur-413 004. Sonepat: 205 R Model Town, Above Central Bank Of India, Sonepat-131001. Sri Ganganagar: 35-E-Block, Opp., Sheetla Mata Vatika, Sri Ganga Nagar - 335001. Srikakulam: 4-1-28/1. Venkateshwara Colony, Day & Night Junction, Srikakulam-532001. Sultanpur: Rama Shankar Complex, Civil Lines, Faizabad Road, Sultanpur-228 001. Surat: G-6 Empire State Building, Near Parag House, Udhna Darwaja,Ring Road, Surat-395002. Tezpur: 1St Floor Mayur Bhawan, Binraj Road, Tezpur-784001. Thanjavur: Nalliah Complex, No.70, Srinivasam Pillai Road, Thanjavur - 613001. Theni: Siva Tower, 265, Subban Chetty Street, Cumbum Road, Theni-625531. Thodupuzha: First Floor, Pulimoottil Pioneer, Pala Road, Thodupuzha - 685584. Tirunelveli: Jeney Building, 55/18, S N Road, Near Arvind Eye Hospital, Tirunelveli - 627 001. Tirupathi: Plot No.16 (south part), First Floor, R C Road, Tirupati - 517502. Tirupur: First Floor, 224 A, S, Selvakumar Departmental Stores, Ist Floor, Kamaraj Road, Opp To Cotton Market Complex, Tirupur - 641 604. Tiruvalla: 2nd Floor, Erinjery Complex, Near Kotak Securites, Ramanchira, Tiruvalla - 689107. Trichur: 2Nd Floor, BrotherS Complex, Near Dhana Laxmi Bank Head Ofce, Naikkanal Junction, Trichur - 680 001. Trichy: Sri krishna Arcade, 1St Floor; 60 Thennur High Road, Trichy - 620 017. Trivandrum: 2Nd Floor, Akshaya Towers, Above Jetairways, Sasthamangalam, Trivandrum - 695 010. Tuticorin: 4 B, A34, A37, Mangalmal, Mani Nagar, Opp: Rajaji Park, Palayamkottai Road, Tuticorin - 628003. Udaipur: 201-202, Madhav Chambers, Opp. G.P.O, Chetak Circle, Madhuban, Udaipur-313001. Ujjain: 101, Aastha Tower, 13/1, , Dhanwantri Marg, Free Gunj, Ujjain-456010. Valsad: Shop No 2, Phiroza Corner, Opp Next Showroom; Tithal Road, Valsad - 396001. Vapi: Shop No 5, Phikhaji Residency, Opp Dcb Bank, Vapi Silvassa Road, Vapi - 396195. Varanasi: D-64/132,KA 1st Floor, Anant Complex, Sigra, Varanasi - 221 010. Vellore: No.1, M.N.R. Arcade, OfcerS Line, Krishna Nagar, Vellore - 632001. Vijayawada: 39-10-7 Opp: Municipal Water Tank, Labbipet, Vijayawada - 520 010. Visakhapatnam: 47-14-5/1 Eswar Paradise, Dwaraka Nagar; Main Road, Visakhapatnam - 530 016. Vijayanagaram: Soubhagya, 19-6-13/1,, ll nd Floor, Near Sbi Fort Branch, Vizianagaram-535 002. Warangal: 5-6-95, 1 st oor , opp: B.Ed collage, Lashkar Bazar, Chandra Complex, Hanmakonda, Warangal - 506001. Yamunanagar: Jagdhari Road, Above Uco Bank, Near D.A.V. Grils College, Yamuna Nagar-135 001.