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APPLICANT INFORMATION
MODE OF HOLDING OCCUPATION STATUS INDIVIDUAL STATUS NON-INDIVIDUAL
Single Business Professional Service 1st Applicant Resident Indian Partnership firm FIIs Society
(Tick whichever
NRI
is applicable)
Name of Sole / 1st applicant/Minor/Karta of HUF/Non-Individual Mr. / Miss / Master / M/s. Date of Birth
D D M M Y Y Y Y
Name of Parent / Guardian in case of Minor / or Contact Person for Non-Individual applicants Mr. Mrs. Miss Relation with Minor/Designation
Pan
2nd applicant Attached Pan Proof [Are you KYC Compliant Please () Yes or No. ]
Pan
3rd applicant Attached Pan Proof [Are you KYC Compliant Please () Yes or No. ]
CONTACT DETAILS
Mailing Address (Please provide complete address, P.O. Box alone is not adequate)
Add 1
Add 2 District
Add 3 City
Overseas Address (Mandatory for NRI/FII Applicants) Addess for Correspondence (for NRI Applicants only) Indian Foreign
Tel. No. STD Code ______________________________ Office _____________________ Residence ____________________________ Fax ______________________________
Mobile No. ____________________________________ E-mail ID. _________________________________________________________________________________________
*E-MAIL COMMUNICATION
*If the investor has provided his E-mail Address in application Form or future communication shall be in the electronic mode.
Acknowledgement
Received from __________________________________________________________________________________ an application for allotment of Units under Reliance Dual
Advantage Fixed Tenure Fund - Plan A App. No. RDAFTF - Plan A RDAFTF-Plan A-00000013
Option
Bank M a n d a t o r y
Branch
Address M a n d a t o r y
Branch
City M a n d a t o r y PIN M a n d a t o r y
I.F.S.C. Code
M a n d a t o r y 9 Digit MICR Code M a n d a t o r y
RMF will endeavour to provide payment of Dividend / Redemption / Refund(If any) through ECS,NEFT, Cheque, Demand Draft or Direct Credit into investors bank account wherever
possible.
Bank
Drawn on __________________________________________________________ Branch
______________________________________________ City
________________________________
Source of Funds : SB Current NRO NRE* FCNR* Rupee Draft purchased abroad* Other* Pl. Specify
* Please attach a photocopy of instrument or Account Debit Certificate from Bankers
Account No. ____________________________________________________
Maturity Instruction
Switch to Reliance Liquid Fund -Treasury Plan-Retail Plan - Growth Proceeds to be dispatched / Credit to Bank A/c (as may be applicable.)
option (Default)
As a default mechanism, the Scheme shall be fully redeemed on the date of maturity and redemption proceeds shall be switched to Reliance Liquid Fund - Treasury Plan -
Retail Plan - Growth Option. Investor can opt for having the payout on maturity at his/her designated bank account and the redemption or repurchase proceeds. The same
shall be dispatched to the unitholders within 10 Business Days from the date of redemption or repurchase.
The ARN holder has disclosed to me/us all the commissions (in the form of trail commission
or any other mode), payable to him for the different competing Schemes of various Mutual
Funds from amongst which the Scheme is being recommended to me/us.
2nd Applicant
APPLICABLE TO NRIs ONLY Authorised Signatory
I/We confirm that I am/We are Non-Resident of Indian Nationality/Origin and I/
We hereby confirm that the funds for subscription have been remitted from abroad
through normal banking channels or from funds in my/our Non-Resident External/
Ordinary Account/FCNR Account.
3rd Applicant
Authorised Signatory
Place : _________________________________ Date : _____________________
CHECK LIST
Please ensure that: Partnership Investments through
Documents Companies Trusts Societies FIIs
Firms Constituted Attorney
Your Application Form is complete in all respect, Name, Address & contact details
are mentioned in full, signed by all applicants. 1. Resolution/Authorisation to invest 3 3 3 3 3
Bank Account Details are entered completely and correctly. 2. List of Authorised Signatories with Specimen 3 3 3 3 3 3
Signature(s)
Permanent Account Number (PAN) of all the applicants are mandatory.
3. Memorandum & Articles of Association 3
Please refer to instruction no. 10 for details. 4. Trust Deed 3
For investment of Rs. 50,000 or above, investor needs to be KYC compliant. 5. Bye-Laws 3
Appropriate Option is ticked. 6. Partnership Deed 3
The Cheque / DD is drawn in favour of “Reliance Dual Advantage Fixed Tenure Fund - 7. Overseas Auditor’s Certificate 3
Plan A”, dated and duly signed. 8. Notarised Power of Attorney 3
Application Number is mentioned on the reverse of the Cheque / DD. 9. Proof of PAN 3 3 3 3 3 3
Documents as listed alongside are submitted along with the Application (as 10.KYC Compliant 3 3 3 3 3 3
applicable to your specific case).
Key Information Memorandum cum Application Form
Reliance Dual Advantage Fixed Tenure Fund - Plan A
(A Close Ended Income Scheme)
(Offer for Sale of Units at Rs.10/- per unit during the New Fund Offer period)
SPONSOR REGISTRAR
Corporate Office: Karvy Computershare Pvt. Ltd.
Reliance Capital Limited Madhura Estate,Municipal No.1-9/13/C,
Plot No.13 & 13C,Survey No.74 & 75,
H Block, 1st Floor, Dhirubhai Ambani Knowledge City,
Madhapur Village,Serlingampally Mandal & Municipality,
Koparkhairne, Navi Mumbai - 400 710. R.R.District, Hyderabad - 500 081.
Tel : 022 - 30327000, Fax. 022 - 30327202 Tel: 040-40308000 Fax: 040-23394828
TRUSTEE CUSTODIAN
Reliance Capital Trustee Co. Limited Deutsche Bank A.G.
Corporate Office: Kodak House, 222, Dr. D.N. Road, Mumbai - 400 001
11th floor & 12th floor, One Indiabulls Centre, AUDITORS TO THE SCHEME
Tower 1, Jupiter Mills Compound, Haribhakti & Co.
Chartered Accountants
841, Senapati Bapat Marg, Elphinstone Road,
42, Free Press House, Nariman Point, Mumbai - 400 021
Mumbai - 400 013.
E-mail : customer_care@reliancemutual.com
Tel No. - 022-30994600 Fax No. - 022-30994699
‘Touchbase’ [Customer Helpline] 3030 1111
INVESTMENT MANAGER Investors using mobile phones need to prefix STD Code of their
Corporate Office: respective city before 3030 1111.
Reliance Capital Asset Management Limited MTL/BSNL subscribers need to dial 022 - 3030 1111.
11th floor & 12th floor, One Indiabulls Centre, Overseas callers need to dial 91 - 22 - 3030 1111.
Tower 1, Jupiter Mills Compound, Website: www. reliancemutual.com
841, Senapati Bapat Marg, Elphinstone Road, REGISTERED OFFICE
Mumbai - 400 013. Reliance Capital Asset Management Limited/
Reliance Capital Trustee Co. Limited
Tel No. - 022-30994600 Fax No. - 022-30994699
“Reliance House”, Nr. Mardia plaza, Off. C.G. Road, Ahmedabad 380006
This Key Information Memorandum (KIM) sets forth the information, which a prospective investor ought to know before investing. For further details of
the scheme/Mutual Fund, due diligence certificate by the AMC, Key Personnel, investors’ rights & services, risk factors, penalties & pending litigations,
associate transactions etc. investors should, before investment, refer to the Scheme Information Document available free of cost at any of the Investor
Service Centres or distributors or from the website www.reliancemutual.com
The Scheme particulars have been prepared in accordance with Securities and Exchange Board of India (Mutual Funds) Regulations 1996, as amended
till date, and filed with Securities and Exchange Board of India (SEBI). The units being offered for public subscription have not been approved or
disapproved by SEBI, nor has SEBI certified the accuracy or adequacy of this KIM.
Disclaimer:
“As required, a copy of this Scheme formation Document has been submitted to National Stock Exchange of India Limited (hereinafter referred to
as NSE). NSE has given vide its letter NSE/LIST/136493-6 dated April 29, 2010 permission to the Mutual Fund to use the Exchange’s name in this
Scheme Information Document as one of the stock exchanges on which the Mutual Fund’s units are proposed to be listed subject to, the Mutual Fund
fulfilling the various criteria for listing. The Exchange has scrutinized this Scheme Information 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 Scheme Information 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 Scheme Information Document; nor does it warrant that the
Mutual Fund’s units will be listed or will continue to be listed on the Exchange; nor does it take any responsibility for the financial or other soundness
of the Mutual Fund, its sponsors, its management or any scheme 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.”
Scheme Duration New Fund Offer Opens New Fund Offer Closes
13. Please mention the application serial no. on the reverse of the cheque/demand draft tendered with the application.
14. In case payment is made through Indian Rupee draft purchased abroad or from FCNR / NRE A/c., an Account Debit Certificate from the Bank issuing the draft, confirming
the debit should be submitted. For subscription made by NRE / FCNR Account cheques, the application forms must be accompanied with a photocopy of the cheque or
Account Debit Letter / Certificate from the bankers.
15. Nomination:
(a) Nomination facility is available to individuals applying on their own behalf i.e. singly or jointly.
(b) Only one person, resident or NRI, including minors, can be nominated. Nomination can also be in favour of the Central Government, State Government, a local authority,
any person designated by virtue of his office or a religious or charitable trust.
(c) Nomination of an NRI is subject to requirements, if any, prescribed by RBI and SEBI from time to time.
(d) Nomination can be changed at any time during the currency of the investment by the same persons who have made the nominations.
(e) Unitholder being either parent or lawful guardian on behalf of a minor and an eligible institution, societies, bodies corporate, HUF, AoPs, BoIs and partnership firms
shall have no right to make any nomination.
(f) The nominee shall not be a trust (other than a religious or charitable trust), society, body corporate, partnership firm, karta of HUF or power of attorney holder.
(g) On registration of nomination a suitable endorsement shall be made on the statement of account or in the form of a separate letter.
(h) The facility of nomination is available to a unitholder under SEBI (MFs) Regulations and guidelines issued by SEBI from time to time.
(i) Nomination in respect of units stands rescinded, upon the transfer of units.
(j) On cancellation of nominations, the nomination shall stand rescinded and RMF shall not be under any obligation to transfer the units in favour of the nominee
(k) Where a nomination in respect of any unit has been made, the units shall, on the death of the unitholder(s), vest in the nominee and on compliance of necessary
formalities the nominee shall be issued a SOA in respect of the units so vested subject to any charge or encumbrance over the said units. Nominee would be able to
hold the units provided he is otherwise eligible to become a unitholder of the scheme.
(l) Where there are two or more unitholders one of whom has expired the title to units shall vest in the surviving unitholder(s) who may retain the nomination or change
or cancel the same. However, non-expression of desire to change or substitute the nominee by surviving unitholder shall be deemed to be the consent of surviving
unitholder for the existing nomination.
(m) Transmission made by the AMC as aforesaid, shall be a full discharge to the AMC from all liabilities in respect of the said units.
(n) The Maximum number of Nominees shall be limited to 3(three).
16. In case of NRI/FII investors the Account Statements and other correspondence will be sent to the mailing address mentioned. The Redemption cheques and dividend warrants
will be sent to the bankers directly.
17. Investors desirous of receiving documents through email need to indicate such option by ticking the relevant box provided in the application form.
18. All applications are accepted subject to detailed scrutiny and verification. Applications which are not complete in all respects are liable for rejection, either at the collection
point itself or subsequently after details scrutiny/verification at the back office of the registrars.
19. Please contact your nearest Investor Service Centre or write to the Registrars, Ms. Karvy Computershare Pvt. Ltd., Madhura Estate, Municipal No.1-9/13/C, Plot No.13 & 13C,
Survey No.74 & 75, Madhapur Village,Serlingampally Mandal & Municipality, R.R.District, Hyderabad - 500 081. or send an email to customer_care@reliancemutual.com, in
case of non-receipt of account statement within 30 days from the date of submission of the application.
20. The Unit holders are given an Option to hold the units by way of an Account Statement or in Dematerialized (‘Demat’) form. Unit holders opting to hold the units in demat
form must provide their Demat Account details in the specified section of the application form. The Unit holder intending to hold the units in Demat form are required to
have a beneficiary account with the Depository Participant (DP) (registered with NSDL / CDSL as may be indicated by the Fund at the time of launch of the Plan) and will
be required to indicate in the application the DP’s name, DP ID Number and the beneficiary account number of the applicant with the DP. Applicants must ensure that the
sequence of names as mentioned in the application form matches that of the account held with the Depository Participant. Client ID, Names, Address and PAN details,
other KYC norms mentioned in the application form Depository master. Only those applications where the details are matched with the depository data will be treated as
valid applications.
If the details mentioned in the application are incomplete/incorrect, not matched with the depository data, the application shall be treated as invalid and shall be liable to
be rejected.
In case Unit holders do not provide their Demat Account details, an Account Statement shall be sent to them. Such investors will not be able to trade on the National Stock
Exchange of India Limited (NSE) and / or any other recognised stock exchange where the units are listed, till the holdings are converted in to demat form.
INVESTMENT OBJECTIVE - change in the credit profiles of the issuers.
The Scheme seeks to generate returns and reduce interest rate volatility, through a (iv)Risk associated with Short Selling & Securities Lending
portfolio of fixed income securities that are maturing on or before the maturity of the In case the Scheme undertakes stock lending under the Regulations, it may, at times
Scheme along with capital appreciation through equity exposure. be exposed to counter party risk and other risks associated with the securities lending.
ASSET ALLOCATION PATTERN OF THE SCHEME: Short positions carry the risk of losing money and these losses may grow theoretically
unlimited if the price increases without limit and shall result into major losses in the
Instruments Indicative asset allocation Risk Profile portfolio.
(% of total assets) (v) Risks associated with Investing in Derivatives
Maximum Minimum 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
Debt Securities & Money 95 80 Low to Medium the ability to forecast price or interest rate movements correctly. There is a possibility
Market Instruments*# that a loss may be sustained by the portfolio as a result of the failure of another
Equities & Equity Linked 20 5 Medium to High party (usually referred to as the “counterparty”) to comply with the terms of the
Instruments# 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.
*Debt Securities will also include Securitized Debt, which may go up to 40% of the
portfolio. Derivative products are leveraged instruments and can provide disproportionate gains
as well as disproportionate losses to the investor.
# including investments in ADR/GDR/Foreign Securities up to 40% of the equity/ debt
portion, exposure in derivatives up to a maximum of 40%. 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
The maturity of the securities will be in line with the maturity profile of the scheme.
investments.
The investment manager would have the flexibility to invest the debt component into
floating rate debt securities in order to reduce the impact of rising interest rates in (vi) Risks associated with Investing in Securitized Debt
the economy. The scheme may invest in government securities, or securities which As with any other debt instrument, investments in Securitized Debt has Credit Risk,
are supported by the Central or a State Government, up to the extent of its debt/ Liquidity Risk, Price Risk / Interest Rate Risk.
money market allocation. The equity component of the scheme will primarily focus on Specific Risk Factors - Credit And Rating Downgrade Risk, Prepayment And Foreclosures
companies that have demonstrated characteristics such as market leadership, strong Risk for Senior PTC Series, Prepayment And Foreclosures Risk for Senior PTC Series,
financials and quality management, and have the potential to create wealth for their Servicing Agent Risk, Co-mingling Risk, Bankruptcy of the Seller.
shareholders by delivering steady performance through the ups and downs of the market.
(vii) Risks associated with Listing of Units
The scheme will not invest in debt securities that may have a coupon or payout linked
to the performance of an equity/equity index as an underlying (popularly known as Listing of the units of the fund does not necessarily guarantee their liquidity and there
‘equity linked debentures’) can be no assurance that an active secondary market for the units will develop or be
maintained. Consequently, the Fund may quote below its face value / NAV.
Derivatives may be used to create synthetic fixed rate bond/ floating rate bonds. Gross
investments in securities under the Scheme which includes equities equity linked There have been times in the past, when settlements have been unable to keep pace with
instruments/securities, debt securities Money Market Instruments and derivatives will the volume of securities transactions, making it difficult to conduct further transactions.
not exceed 100% of the net assets of the Scheme. Delays or other problems in settlement of transactions could result in temporary periods
when the assets of the Scheme are not invested and no return is earned thereon.
The above is only indicative and the trustees reserve the right to change the above
pattern in the interest of the investors depending on the market conditions and will The liquidity and valuation of the Scheme’s investments due to its holdings of
endeavor to rebalance the portfolio in tune with the aforesaid asset allocation pattern unlisted securities may be affected if they have to be sold prior to their target date of
within 1 month of deviation, if any. divestment
The total debt/equity derivative exposure under all the plans would be restricted to Plans and Options
40% of the net assets of the scheme. The Scheme will not make investments in Equity
linked Debentures,
Reliance Dual
}
Advantage Fixed Growth Option
Duration: 3 years from the date of allotment
Tenure Fund - Dividend Payout Option
The maturity period will be calculated from the date of allotment of units. However
Plan A
if the maturity date falls on a non working day, the succeeding working day shall be
considered for the purpose of maturity date.
Applicable Net Asset Value
RISK PROFILE OF THE SCHEME:
The New Fund Offer price will be Rs. 10/- per unit. The Units of the Scheme will not
Mutual Fund Units involve investment risks including the possible loss of principal. Please be available for subscriptions / switch-in after the closure of NFO Period. Similary, no
read the SID carefully for details on risk factors before investment. Scheme specific Risk redemption/ repurchase of units shall be allowed prior to the maturity of the scheme.
Factors are summarized below: Investors wishing to exit may do so by selling their units through NSE and / or other
i) Schemes investing in Bonds: recognised stock exchanges. The listed price of NSE or any other recognised Stock
Interest Rate Risk: As with all debt securities, changes in interest rates will affect the Exchange will be applicable.
Scheme’s Net Asset Value as the prices of securities generally increase as interest rates Sale of units by Reliance Mutual Fund
decline and generally decrease as interest rates rise.
The Scheme will have a New Fund Offer periodduring which investors may purchase
Liquidity or Marketability Risk: This refers to the ease at which a security can be sold units from the Fund. After the expiry of the specified New Fund Offer period, the
at or near its true value. scheme will be closed for purchase of units.
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 fixed income security (i.e. will be unable to make timely
principal and interest payments on the security).
Reinvestment Risk: This risk refers to the interest rate levels at which cash flows received
from the securities in the Scheme or from maturities in the Scheme are reinvested.
(ii) Risks associated with investing in Equities
Equity and Equity related instruments on account of its volatile nature are subject to
price fluctuations on daily basis. This may have adverse impact on individual securities
/sector and consequently on the NAV of Scheme.
The inability of the Scheme to make intended securities purchases and the the inability
to sell securities held in the schemes portfolio may result, at times, in potential losses
to the scheme. Trading olumes, settlement periods and transfer procedures may restrict
the liquidity of the investments. The AMC may invest in unlisted securities that offer
attractive yields within the regulatory limit. This may however increase the risk of the
portfolio as these unlisted securities are inherently illiquid in nature and carry larger
liquidity risk as compared to the listed securities or those that offer other exit options
to the investors.
(iii)Risks associated with investing in foreign Securities
The Fund may invest in overseas equities / ADR’s / GDR’s with the approval of RBI/SEBI,
subject to such guidelines as may be issued by RBI/SEBI. The net assets, distributions
and income of the scheme may be affected adversely by fluctuations in the value of
certain foreign currencies relative to the Indian Rupee to the extent of investments
in these securities. Repatriation of such investment may also be affected by changes
in the regulatory and political environments. The scheme’s NAV may also be affected
by a fluctuation in the general and specific level of interest rates internationally, or the
MINIMUM APPLICATION AMOUNT/ NUMBER OF UNITS
PURCHASE REPURCHASE (Redemption)
The Minimum investment amount for Reliance Dual Advantage Fixed Tenure Fund - No redemption/repurchase of units shall be allowed prior to the maturity of the scheme.
Plan A is Rs. 5,000 per option and in multiples of Re. 1 thereafter.Since the Scheme Investors wishing to exit may do so by selling their units through stock exchanges. The scheme
is a close ended scheme, units can be subscribed for, only during the New Fund offer shall be fully redeemed on the date of maturity and redemption proceeds shall be dispatched
period of the Scheme. within 10 business days, subject to availability of all relevant documents and details.
DISPATCH OF REPURCHASE (REDEMPTION) REQUEST
No redemption/repurchase of units shall be allowed prior to the maturity of the scheme. Investors wishing to exit may do so by selling their units through stock exchanges. The scheme
shall be fully redeemed on the date of maturity and redemption proceeds shall be dispatched within 10 business days, subject to availability of all relevant documents and details.
Dematerialization:
The Unit holders are given an Option to hold the units by way of an Account Statement (Physical form) or in Dematerialized (‘Demat’) form. Mode of holding shall be clearly
specified in the KIM cum application form. Unit holders holding the units in physical form will not be able to trade or transfer their units till such units are dematerialized.
Unit holders opting to hold the units in demat form must provide their Demat Account details in the specified section of the application form. The Unit holder intending to hold
the units in Demat form are required to have a beneficiary account with the Depository Participant (DP) (registered with NSDL / CDSL as may be indicated by the Fund at the
time of launch of the plan) and will be required to indicate in the application the DP’s name, DP ID Number and the beneficiary account number of the applicant with the DP.
In case Unit holders do not provide their Demat Account details, an Account Statement shall be sent to them. Such investors will not be able to trade on the stock exchange
till the holdings are converted in to demat form..
Transfer of Units:
Units held by way of an Account Statement (Physical form) cannot be transferred. Units held in Demat form are transferable in accordance with the provisions of SEBI (Deposito-
ries and Participants) Regulations, as may be amended from time to time. Transfer can be made only in favour of transferees who are capable of holding units and having a Demat
Account. The delivery instructions for transfer of units will have to be lodged with the DP in requisite form as may be required from time to time and transfer will be affected in
accordance with such rules / regulations as may be in force governing transfer of securities in dematerialized mode
BENCHMARK INDEX: CRISIL MIP Blended Index.
DIVIDEND POLICY: Dividend will be distributed from the available distributable surplus after the deduction of the dividend distribution tax and the applicable surcharge, if any.
The Mutual Fund is not guaranteeing or assuring any dividend. Please read the Scheme Information Document for details. Further payment of all the dividends shall be in compli-
ance with SEBI Circular No. SEBI/IMD/CIR No. 1/64057/06 dated 4/4/06.
NAME OF THE FUND MANAGER: Mr. Sailesh Raj Bhan & Anju Chajjer
NAME OF THE TRUSTEE COMPANY: Reliance Capital Trustee Co. Limited
PERFORMANCE OF THE SCHEME: This scheme is a new scheme and does not have any performance track record
EXPENSES OF THE SCHEME
Initial Issue Expenses: The initial issue expenses for all plans of Reliance Dual Advantage Fixed Tenure Fund - Plan A shall be borne by the AMC from Retained Earning.
Recurring Expenses : As per SEBI (Mutual Funds) Regulations, the maximum expenses that can be charged to a debt scheme are as follows: