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ON

(Relationship Manager)

SUBBMITTED BY
PRAVIN KUMAR TIWARI

DEPARTMENT OF MASTERS OF BUSINESS ADMINISTRATION


TAKSHSHILA INSTITUTE OF ENGINEERING &TECHNOLOGY
2007-2009
TAKSHSHILA INSTITUTE OF INGINEERING
& TECHNOLOGY
(RANI DURGAWATI UNIVERSITY, JABALPUR)
Questionnaire Design is a refining process in which rough draft is
eventually converted to a precise and formatted document, before
framing the questionnaire the detail of data which we desire were set out
keeping in view the following point :-

Objective way of research.


The way of the Interview to the carried.
User friendly.
Order of questions.
Type of question.
Preciseness of question.
How data how will be processed.
Instructions to be followed by respondents.

TRAINING:-

Since the success of any survey depends the data collected from
the filed , it was necessary that training session to take place and impart
some tips regarding the gathering of required therefore some session
were conducted by organization regarding the field work knowledge ,
mock interviews , voice modulation etc.
FIELD WORK:-

After training the field work was conducted. It normally involves


interviewing and completing of questionnaire for each individual
organization the sample under this questionnaire was filled for each
individual sample.

FOLLOW UP NON RESPNDENTS:-

In spite of the efforts some of the respondents may not supple the
desire information, so they are left as the study was related to
investment decision and some person do not want disclose their
investment although they were informed that the information is required
only for the purpose of project, and they were given surety that their
information will be kept confidential but then also some of the
respondents do not gave response they were up and then some gave
information.
Liquidity
Mutual Funds offer a family of schemes to suit your varying needs over a
lifetime.

Well Regulated
All Mutual Funds are registered with SEBI and they function within the
provisions of strict regulations designed to protect the interests of investors.
The operations of Mutual Funds are regularly monitored by SEBI

Professional Management:

You avail of the services of experienced and skilled professionals who are
backed by a dedicated investment research team which analyses the
performance and prospects of companies and selects suitable investments to
achieve the objectives of the scheme.

Low Costs:
Mutual Funds are a relatively less expensive way to invest compared to
directly investing in the capital markets because the benefits of scale in
brokerage, custodial and other fees translate into lower costs for investors.
Some close-ended schemes give you an additional option of selling your units
to the Mutual Fund through periodic repurchase at NAV related prices. SEBI
Regulations ensure that at least one of the two exit routes is provided to the
investor under the close ended schemes.

Interval Schemes

These combine the features of open-ended and close-ended schemes. They


may be traded on the stock exchange or may be open for sale or redemption
during predetermined intervals at NAV related prices.

(B) By Investment Objective


Growth Schemes
Income Schemes
Balanced Schemes
Money Market / Liquid Schemes

Growth Schemes

Aim to provide capital appreciation over the medium to long term. These
schemes normally invest a majority of their funds in equities and are filling to
bear short term decline in value for possible future appreciation. These
schemes are not for investors seeking regular income or needing their money
back in the short term.

Ideal for:

I. Investors in their prime earning years.


II. Investors seeking growth over the long term.
Income Schemes

Aim to provide regular and steady income to investors. These schemes


generally invest in fixed income securities such as bonds and corporate
debentures. Capital appreciation in such schemes may be limited.

Ideal for:

I. Retired people and others with a need for capital stability and regular
income
II.
Investors who need some income to supplement their earnings.

Balanced Schemes

Aim to provide both growth and income by periodically distributing a part of


the income and capital gains they earn. They invest in both
Shares and fixed income securities in the proportion indicated in their offer
documents. In a rising stock market, the NAV of these schemes
May not normally keep pace or fall equally when the market falls.

Ideal for:

I. Investors looking for a combination of income and moderate growth.

Money Market / Liquid Schemes

Aim to provide easy liquidity, preservation of capital and moderate income.


These schemes generally invest in safer, short term instruments such as
treasury bills, certificates of deposit, commercial paper and inter bank call
money. Returns on these schemes may fluctuate, depending upon the interest
rates prevailing in the market.

Ideal for:
Corporate and individual investors as a means to park their surplus funds for
short periods or awaiting a more favorable investment alternative.
Other Schemes

Tax Saving Schemes (Equity Linked Saving Scheme - ELSS)


Special Schemes
Fixed Maturity Plans
Exchange Traded Funds (ETFs)
Capital Protection Oriented Schemes
Gold Exchange Traded Funds (GETFs)
Quantitative Funds
Funds Investing Abroad

Tax Saving Schemes (Equity Linked Saving Scheme - ELSS)


These schemes offer tax incentives to the investors under tax laws as
prescribed from time to time and promote long term investments in
equities through Mutual Funds.

Ideal for:


Investors seeking tax incentives.

Special Schemes

This category includes index schemes that attempt to replicate the


performance of a particular index such as the BSE Sensex, the NSE 50
(NIFTY) or sector specific schemes which invest in specific sectors such as
Technology, Infrastructure, Banking, Pharma etc.

Besides, there are also schemes which invest exclusively in certain segments
of the capital market, such as Large Caps, Mid Caps, Small Caps, Micro Caps,
'A' group shares, shares issued through Initial Public Offerings (IPO’s), etc.

Index fund schemes are ideal for investors who are satisfied with a return
approximately equal to that of an index. Sect oral fund schemes are ideal for
investors who have already decided to invest in a particular sector or segment.
Fixed Maturity Plans

Fixed Maturity Plans (FMPs) are investment schemes floated by mutual funds
and are close ended with a fixed tenure, the maturity period ranging from one
month to three/five years. These plans are predominantly debt-oriented, while
some of them may have a small equity component.

The objective of such a scheme is to generate steady returns over a fixed-


maturity period and protect the investor against market fluctuations.

FMPs are typically passively managed fixed income schemes with the fund
manager locking into investments with maturities corresponding with the
maturity of the plan. FMPs are not guaranteed products. Exchange Traded
Funds are essentially index funds that are listed and traded on exchanges like

Exchange Traded Funds (ETFs)

Invest in funds that will give you regular income to supplement your salary to
match your growing needs.

Exchange Traded Funds are essentially index funds that are listed and traded
on exchanges like stocks. Globally, ETFs have opened a whole new panorama
of investment opportunities to retail as well as institutional investors. ETFs
enable investors to gain broad exposure to entire stock markets as well as in
specific sectors with relative ease, on a real-time basis and at a lower cost than
many other forms of investing.

An ETF is a basket of stocks that reflects the composition of an index, like


S&P CNX Nifty, BSE Sensex, CNX Bank Index, CNX PSU Bank Index, etc.
The ETF's trading value is based on the net asset value of the underlying
stocks that it represents. It can be compared to a stock that can be bought or
sold on real time basis during the market hours. The first ETF in India,
Benchmark Nifty Bees, opened for subscription on December 12, 2001 and
listed on the NSE on January 8, 2002.
Capital Protection Oriented Schemes

Capital Protection Oriented Schemes are schemes that endeavor to protect the
capital as the primary objective by investing in high quality fixed income
securities and generate capital appreciation by investing in equity / equity
related instruments as a secondary objective. The first Capital Protection
Oriented Fund in India, Franklin Templeton Capital Protection Oriented Fund
opened for subscription on October 31, 2006.

Gold Exchange Traded Funds (GETFs)

Gold Exchange Traded Funds offer investors an innovative, cost-efficient and


secure way to access the gold market. Gold ETFs are intended to offer
investors a means of participating in the gold bullion market by buying and
selling units on the Stock Exchanges, without taking physical delivery of gold.
The first Gold ETF in India, Benchmark GETF, opened for subscription on
February 15, 2007 and listed on the NSE on April 17, 2007.

Quantitative Funds

A quantitative fund is an investment fund that selects securities based on


quantitative analysis. The managers of such funds build computer based
models to determine whether or not an investment is attractive. In a pure
"quant shop" the final decision to buy or sell is made by the model. However,
there is a middle ground where the fund manager will use human judgment in
addition to a quantitative model. The first Quant based Mutual Fund Scheme
in India, Lotus Agile Fund opened for subscription on October 25, 2007.

Funds Investing Abroad


With the opening up of the Indian economy, Mutual Funds have been
permitted to invest in foreign securities/ American Depository Receipts
(ADRs) / Global Depository Receipts (GDRs). Some of such schemes are
dedicated funds for investment abroad while others invest partly in foreign
securities and partly in domestic securities. While most such schemes invest in
securities across the world there are also schemes which are country specific
in their investment approach.

Fund of Funds (FOFs)


.
Fund of Funds are schemes that invest in other mutual fund schemes. The
portfolio of these schemes comprise only of units of other mutual fund
schemes and cash / money market securities/ short term deposits pending
deployment. The first FOF was launched by Franklin Templeton Mutual Fund
on October 17,2003. Fund of Funds can be Sector specific e.g. Real Estate
FOFs, Theme specific e.g. Equity FOFs, Objective specific e.g. Life Stages
FOFs or Style specific e.g. Aggressive/ Cautious FOFs etc.
FREQUENTLY USED TERMS

Net Asset Value (NAV)


Sale Price
Repurchase Price
Redemption Price
Sales Load
Repurchase or ‘Back-end’ Load

Net Asset Value (NAV)


Net Asset Value is the market value of the assets of the scheme minus its liabilities.
The per unit NAV is the net asset value of the scheme divided by the number of
units outstanding on the Valuation Date.

Sale Price
Is the price you pay when you invest in a scheme. Also called Offer Price. It may
include a sales load.

Repurchase Price
Is the price at which a close-ended scheme repurchases its units and it may include a
back-end load. This is also called Bid Price

Redemption Price
Is the price at which open-ended schemes repurchase their units and close-ended
schemes redeem their units on maturity. Such prices are NAV related.

Sales Load
Is a charge collected by a scheme when it sells the units. Also called, ‘Front-end’
load. Schemes that do not charge a load are called ‘No Load’ schemes.

Repurchase or ‘Back-end’ Load


Is a charge collected by a scheme when it buys back the units from the unit holders?
Sponsor
Reliance Capital Limited.

Trustee
Reliance Capital Trustee Co. Limited.

Investment Manager
Reliance Capital Asset Management Limited

Statutory Details
The Sponsor, the Trustee and the Investment Manager are incorporated
under the Companies Act 1956.

Vision Statement
To be globally respected wealth creator with an emphasis
on customer care and culture of good corporate govt.
Mission Statement
To create and nature a world-class, high performance
environment aimed at delighting our customer

General Risk Factors


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. As with any investment in
securities, the NAV of the Units issued under the Scheme can go
up or down depending on the factors and forces affecting the
capital markets. Past performance of the sponsor/AMC/Mutual
Fund is not indicative of the future performance of the Scheme.
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 towards the setting up of the Mutual
Fund and such other accretions and additions to the corpus. 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 availability of distributable surplus. For details of
Scheme features apart from those mentioned above and scheme-
specific risk factors please refer to the provisions of the Offer
Document.
Reliance Growth Fund
Reliance Vision Fund
Reliance Banking Fund
Reliance Diversified Power Sector Fund
Reliance Pharma Fund
Reliance Media & Entertainment Fund
Reliance NRI Equity Fund
Reliance Equity Opportunities Fund
Reliance Indexes Fund
Reliance Tax Saver (ELSS) Fund
Reliance Equity Fund
Reliance Long Term Equity Fund
Reliance Regular Saving Fund
Reliance Equity Advantage Fund
Reliance Natural Resources Fund
Reliance Equity Linked Saving Fund- Series I
Reliance Growth Fund

Type of the scheme :

An open-ended Linked saving Scheme

Investment Objective:

The primary investment objective of the scheme is to achieve long term


growth of capital by investment in equity and related securities through
a research based investment approach.

Investment Pattern:

Choice of Plans/Options :

Benchmark Index : BSE 100 Index

For Retail Plan Rs. 5000/- and in multiple of Rs 1 thereafter.

For Institutional Plan Rs. 5 Cores and in multiple of Rs 1 there after

Reliance Vision Fund:


Type of the scheme :

An open-ended Linked saving Scheme


Investment Objective :

The primary investment objective of the scheme is to seek to


generate capital appreciation & provide long-term growth opportunities
by investing in a portfolio constituted of equity & equity related
securities of top 100 companies by market capitalization & of
companies which are available in the derivatives segment from time to
time and the secondary objective is to generate consistent returns by
investing in debt and money market securities.

Investment Pattern :
Instrument Asset Allocation

Equity And Equity related securities


80 -100 %

Debt Up to 30%

Money Market Instrument Up to 10%

Choice of Plans/Options :

Growth Plan Dividend plan


Growth & Bonus Option Linked Dividend Payout &
Reinvestment Plan

Benchmark Index : BSE 100 Index

For Retail Plan Rs. 5000/- and in multiple of Rs 1 thereafter.


Reliance Banking Fund

Type of the scheme :

An open-ended Linked saving Scheme

Investment Objective :

The primary investment objective of the scheme is to seek to


generate capital appreciation & provide long-term growth opportunities
by investing in a portfolio constituted of equity & equity related
securities of top 100 companies by market capitalization & of
companies which are available in the derivatives segment from time to
time and the secondary objective is to generate consistent returns by
investing in debt and money market securities.

Investment Pattern :

Choice of Plans/Options:

Benchmark Index : BSE 100 Index

Rs. 5000/- and in multiple of Rs 1 thereafter.


Reliance Diversified Power Sector Fund

Type of the scheme :

An open-ended Linked saving Scheme

Investment Objective:

The primary investment objective of the scheme is to seek to generate


capital appreciation & provide long-term growth opportunities by
investing in a portfolio constituted of equity & equity related securities
of top 100 companies by market capitalization & of companies which
are available in the derivatives segment from time to time and the
secondary objective is to generate consistent returns by investing in debt
and money market securities.

Investment Pattern:

Choice of Plans/Options :

Benchmark Index : BSE 100 Index

Rs. 5000/- and in multiple of Rs 1 thereafter.

Reliance Pharma Fund

Type of the scheme:

An open-ended Linked saving Scheme


Investment Objective:

The primary investment objective of the scheme is to seek to


generate capital appreciation & provide long-term growth opportunities
by investing in a portfolio constituted of equity & equity related
securities of top 100 companies by market capitalization & of
companies which are available in the derivatives segment from time to
time and the secondary objective is to generate consistent returns by
investing in debt and money market securities.

Investment Pattern:

Instrument Asset Allocation

Equity And Equity related securities 80 -100 %

Debt &Money Market Instrument Up to 20%

Choice of Plans/Options:

Growth Plan Dividend plan


Growth & Bonus Option Dividend Payout &
Reinvestment Plan

Benchmark Index : BSE 100 Index

Rs. 5000/- and in multiple of Rs 1 thereafter.

Reliance Media & Entertainment Fund

Type of the scheme:

An open-ended Linked saving Scheme

Investment Objective:

The primary investment objective of the scheme is to seek to generate


capital appreciation & provide long-term growth opportunities by
investing in a portfolio constituted of equity & equity related securities
of top 100 companies by market capitalization & of companies which
are available in the derivatives segment from time to time and the
secondary objective is to generate consistent returns by investing in debt
and money market securities.

Investment Pattern:
Instrument Asset Allocation

Equity And Equity related securities 80 -100 %

Debt &Money Market Instrument Up to 20%

Choice of Plans/Options:

Growth Plan Dividend plan


Growth & Bonus Option Dividend Payout &
Reinvestment Plan

Benchmark Index : BSE 100 Index

Rs. 5000/- and in multiple of Rs 1 thereafter.

Reliance NRI Equity Fund

Type of the scheme:

An open-ended Diversified Equity Scheme.

Investment Objective :

The primary investment objective of the scheme is to achieve long


term growth of capital by investment in equity and related instrument
primarily drawn from the companies in the BSE 200 Index.

Investment Pattern:
Instrument Asset Allocation

Equity And Equity related securities 80 -100 %

Debt &Money Market Instrument Up to 20%

Choice of Plans/Options:

Growth Plan Dividend plan


Growth & Bonus Option Dividend Payout &
Reinvestment Plan

Benchmark Index : BSE 100 Index

Rs. 5000/- and in multiple of Rs 1 thereafter.

Reliance Equity Opportunities Fund

Type of the scheme:

An open-ended Linked saving Scheme

Investment Objective:

The primary investment objective of the scheme is to seek to


generate capital appreciation & provide long-term growth opportunities
by investing in a portfolio constituted of equity & equity related
securities of top 100 companies by market capitalization & of
companies which are available in the derivatives segment from time to
time and the secondary objective is to generate consistent returns by
investing in debt and money market securities.

Investment Pattern:
Instrument Asset Allocation

Equity And Equity related securities 75% -100 %

Debt &Money Market Instrument 0%- 25%

Choice of Plans/Options:

Growth Plan Dividend plan


Growth & Bonus Option Linked Dividend Payout &
Reinvestment Plan

Benchmark Index : BSE 100 Index

For Retail Plan Rs. 5000/- and in multiple of Rs 1 thereafter.

For Institutional Plan Rs. 5 Cores and in multiple of Rs 1 thereafter

Reliance Tax Saver (ELSS) Fund

Type of the scheme:

An open-ended Linked saving Scheme

Investment Objective:

The primary investment objective of the scheme is to seek to


generate capital appreciation & provide long-term growth opportunities
by investing in a portfolio constituted of equity & equity related
securities of top 100 companies by market capitalization & of
companies which are available in the derivatives segment from time to
time and the secondary objective is to generate consistent returns by
investing in debt and money market securities.

Investment Pattern:
Instrument Asset Allocation

Equity And Equity related securities 80 -100 %

Debt &Money Market Instrument Up to 20%

Choice of Plans/Options:

Growth Plan Dividend plan


Growth & Bonus Option Linked Dividend Payout &
Reinvestment Plan

Benchmark Index : BSE 100 Index

For Retail Plan Rs. 5000/- and in multiple of Rs 1 thereafter For


Institutional Plan Rs. 5 Cores and in multiple of Rs 1 thereafter

Reliance Equity Fund:

Type of the scheme:

An open-ended Diversified Equity Scheme

Investment Objective:

The primary investment objective of the scheme is to seek to generate


capital appreciation & provide long-term growth opportunities by
investing in a portfolio constituted of equity & equity related securities
of top 100 companies by market capitalization & of companies which
are available in the derivatives segment from time to time and the
secondary objective is to generate consistent returns by investing in debt
and money market securities.

Investment Pattern:
Instrument Asset Allocation

Equity And Equity related securities 75% -100 %

Debt &Money Market Instrument 0%- 25%

Choice of Plans/Options:

Growth Plan Dividend plan


Growth & Bonus Option Linked Dividend Payout &
Reinvestment Plan

Benchmark Index : S&P CNX Nifty

For Retail Plan Rs. 500/- and in multiple of Rs 500/- thereafter.

Reliance Long Term Equity Fund

Type of the scheme:

A 36 – monthly close-ended diversified equity fund with an


automatic conversion in to an open-ended scheme on expiry of 36 –
months from the date allotment.

Investment Objective:
The primary investment objective of the scheme is to seek to generate
long term capital appreciation & provide long-term growth
opportunities by investing in a portfolio constituted of equity & equity
related securities and Derivatives and the secondary objective is to
generate consistent returns by investing in debt and money market
securities.

Investment Pattern:
Instrument Asset Allocation

Equity And Equity related securities Instrument


75% -100 %

Debt &Money Market Instrument 0%- 30%

Choice of Plans/Options:

Growth Plan Dividend plan


Growth & Bonus Option Dividend Payout &
Reinvestment Plan

Benchmark Index : BSE 200 Index

Rs. 5000/- and in multiple of Rs 1 there after.

Reliance Regular Savings Fund:


Type of the scheme:

An open-ended Linked saving Scheme

Investment Objective:
Equity Option:
The primary investment objective of this option is to seek capital
appreciation and/or to generate consistent returns by actively investing
in Equity & Equity - related Securities.

Debt Option:
The primary investment objective of this option capital
appreciation and/or to generate consistent return by actively investing in
equity /equity related security

Investment Pattern:
Instrument Asset Allocation
Equity option
Equity And Equity related securities 80 -100 %
Money Market Instrument 0%- 30%

Debt option
Debt instrument 80 -100 %
Debt &Money Market Instrument 0%- 20%

Choice of Plans/Options:

Growth Plan Dividend plan


Growth & Bonus Option Dividend Payout &
Reinvestment Plan

Benchmark Index : BSE 100 Index

Rs. 500/- and in multiple of Rs 1 thereafter.


Reliance Equity Advantage Fund

Type of the scheme:

An open-ended Diversified Equity Scheme.

Investment Objective:

The primary investment objective of the scheme is to seek to


generate capital appreciation & provide long-term growth opportunities
by investing in a portfolio constituted of equity & equity related
securities of top 100 companies by market capitalization & of
companies which are available in the derivatives segment from time to
time and the secondary objective is to generate consistent returns by
investing in debt and money market securities.

Investment Pattern:
Instrument Asset Allocation

Equity And Equity related securities 75% -100 %

Debt &Money Market Instrument 0%- 20%

Choice of Plans/Options:

Growth Plan Dividend plan


Growth & Bonus Option Dividend Payout &
Reinvestment Plan

Benchmark Index : S&P CNX Nifty

For Retail Plan Rs. 5000/- and in multiple of Rs 1 thereafter.

For Institutional Plan Rs. 5 Cores and in multiple of Rs 1 thereafter

Reliance Natural Resources Fund

Type of the scheme:

An open-ended Linked saving Scheme

Investment Objective:

The primary investment objective of the scheme is to seek to generate


capital appreciation & provide long-term growth opportunities by
investing in a portfolio constituted of equity & equity related securities
of top 100 companies by market capitalization & of companies which
are available in the derivatives segment from time to time and the
secondary objective is to generate consistent returns by investing in debt
and money market securities.

Investment Pattern:
Instrument Asset Allocation
Equity And Equity related securities of
companies principally engaged in the discovery,
development production or ,distribution of
natural resources ; 65% -100 %

- Domestic companies 65% -100 %

- Foreign securities as permitted by


SEBI/RBI from time to time- 0% -35 %

Debt &Money Market Instrument 0% -35%

Choice of Plans/Options:

Growth Plan Dividend plan


Growth & Bonus Option Linked Dividend Payout &
Reinvestment Plan

Benchmark Index : BSE 100 Index

For Retail Plan Rs. 500/- and in multiple of Rs 500/- thereafter.

Reliance Monthly Income Plan:


Reliance Gilt Securities Fund - Short Term Gilt Plan & Long Term Gilt
Plan
Reliance Income Fund:
Reliance Medium Term Fund
Reliance Short Term Fund
Reliance Liquid Fund
Reliance Floating Rate Fund:
Reliance NRI Income Fund
Reliance Liquidity Fund
Reliance Liquidity Plus Fund
Reliance Interval Fund
Reliance Fixed Horizon Fund - I
Reliance Fixed Horizon Fund - II
Reliance Fixed Horizon Fund - III
Reliance Fixed Tenor Fund
Reliance Fixed Horizon Fund C
Reliance Fixed Horizon Fund - IV
Reliance Fixed Horizon Fund - V
Reliance Fixed Horizon Fund - VI
Reliance Fixed Horizon Fund - VII

Reliance Monthly Income Plan


(An Open Ended Fund. Monthly Income is not assured & is subject to the availability of
distributable surplus ) The Primary investment objective of the Scheme is to generate
regular income in order to make regular dividend payments to unit holders and the
secondary objective is growth of capital.

Reliance Gilt Securities Fund –


Short Term Gilt Plan & Long Term Gilt Plan
(Open-ended Government Securities Scheme) The primary objective of the Scheme is to
generate optimal credit risk-free returns by investing in a portfolio of securities issued and
guaranteed by the central Government and State Government

Reliance Income Fund


(An Open-ended Income Scheme) The primary objective of the scheme is to generate
optimal returns consistent with moderate levels of risk. This income may be complemented
by capital appreciation of the portfolio. Accordingly, investments shall predominantly be
made in Debt & Money Market Instruments.

Reliance Medium Term Fund


(An Open End Income Scheme with no assured returns.) The primary investment objective
of the Scheme is to generate regular income in order to make regular dividend payments to
unit holders and the secondary
is growth of capital.

Reliance Short Term Fund


(An Open End Income Scheme) The primary investment objective of the scheme is to
generate stable returns for investors with a short investment horizon by investing in Fixed
Income Securities of short term maturity.

Reliance Liquid Fund


(Open-ended Liquid Scheme). The primary investment objective of the Scheme is to
generate optimal returns consistent with moderate levels of risk and high liquidity.
Accordingly, investments shall predominantly be made in Debt and Money Market
Instruments.

Reliance Floating Rate Fund


(An Open End Liquid Scheme) The primary objective of the scheme is to generate regular
income through investment in a portfolio comprising substantially of Floating Rate Debt
Securities (including floating rate securitized debt and Money Market Instruments and
Fixed Rate Debt Instruments swapped for floating rate returns). The scheme shall also
invest in fixed rate debt Securities (including fixed rate securitized debt, Money Market
Instruments and Floating Rate Debt Instruments swapped for fixed returns.

Reliance NRI Income Fund


(An Open-ended Income scheme) The primary investment objective of the Scheme is to
generate optimal returns consistent with moderate levels of risks. This income may be
complimented by capital appreciation of the portfolio. Accordingly, investments shall
predominantly be made in debt Instruments.
Reliance Liquidity Fund
(An Open - ended Liquid Scheme) The investment objective of the Scheme is to generate
optimal returns consistent with moderate levels of risk and high liquidity. Accordingly,
investments shall predominantly be made in Debt and Money Market Instruments.

Reliance Interval Fund


(A Debt Oriented Interval Scheme) The primary investment objective of the scheme is to
seek to generate regular returns and growth of capital by investing in a diversified portfolio.

Reliance Liquid Plus Fund


(An Open-ended Income Scheme.) The investment objective of the
Scheme is to generate optimal returns consistent with moderate levels of
risk and liquidity by investing in debt securities and money market
securities.

Reliance Fixed Horizon Fund –I

(A closed ended Scheme) The primary investment objective of the


scheme is to seek to generate regular returns and growth of capital by
investing in a diversified portfolio.

Reliance Fixed Horizon Fund –II

(An closed ended Scheme.) The primary investment objective of the


scheme is to seek to generate regular returns and growth of capital by
investing in a diversified portfolio.
Reliance Fixed Horizon Fund –III
(An Close-ended Income Scheme.) The primary investment objective of
the scheme is to seek to generate regular returns and growth of capital by
investing in a diversified portfolio.

Reliance Fixed Tenor Fund

(A Close-ended Scheme.) The primary investment objective of the Plan


is to seek to generate regular returns and growth of capital by investing in
a diversified portfolio.

Reliance Fixed Horizon Fund -Plan C


(A closed ended Scheme.) The primary investment objective of the
scheme is to seek to generate regular returns and growth of capital by
investing in a diversified portfolio.

Reliance Fixed Horizon Fund - IV:


(A Close-ended Income Scheme.) The primary investment objective of
the scheme is to seek to generate regular returns and growth of capital by
investing in a diversified portfolio

Reliance Fixed Horizon Fund - V:


(A Close-ended Income Scheme.) The primary investment objective of
the scheme is to seek to generate regular returns and growth of capital by
investing in a diversified portfolio of: -

Central and State Government securities and Other Fixed Income / Debt
securities normally maturing in line with the time profile of the scheme
with the objective of limiting interest rate volatility

Reliance Fixed Horizon Fund - VI:


(A Close-ended Income Scheme.) The primary investment objective of
the scheme is to seek to generate regular returns and growth of capital by
investing in a diversified portfolio of: -

Central and State Government securities and Other Fixed Income / debt
securities normally maturing in line with the time profile of the series
with the objective of limiting interest rate volatility
Compare Between Reliance Mutual Fund & ICICI
Prudential Mutual Fund

Portfolio Monthly Quarterly


Fund Name Reliance Growth ICICI Prudential
Disclosures
Fund Growth Plan
For Subscription below 1) For investments of less
Entry Load
Rs. 2 Crores : Entry than Rs.5 Crores Entry load
load at 2.25% of applicable at
NAV 2.25% of applicable NAV.
2)For Subscription below 2) For investments of Rs. 5
Rs. 2 Crores but Rs.5crores crores and Above : Nil
and Above Entry load at
1.25% of applicable NAV
3)For investments of Rs.5
crores and Above : Nil

For subscription of less than For investment of less than


Exit Load
Rs. 5 Cores per purchase Rs. 5 Crores :
transaction 1)1% of applicable NAV if
1)If redeemed/switched on or the amount sought to be
before completion of 1 year redeemed or switched out is invested up
from the date of allotment to 6 months from
1.00% the date of allotment
2) If redeemed/switched on 2) 0.5% of applicable NAV if
or after completion of 1 year fromthe
theamount sought to be
date of allotment –Nil redeemed or switched out is invested for
3)For subscription above Rs. 5 more than 6
Crores per purchase transaction months but up to 1 year from
the date of allotment
3) For investment of Rs. 5
Crores and above : Nil

Generally Within 4business Generally Within 3 business


Redemption
day for Specified RBI day for Specified RBI
Cheques Issued
locations and additional locations and additional
4Business Days for 3 Business Days for
Non-RBI locations Non-RBI locations

Minimum Rs. 1000/- Rs. 500/-


Redemption Amt

Monthly: Minimum of Monthly: Minimum Rs. 1000


Systematic
Rs. 1000 each monthly NAV + 5 post-dated cheques for a minimum of
Investment Plan
Rs. 1000 each. Quarterly: NAV

Systematic Minimum of Rs.1000/- and Minimum of Rs.500/- and


Withdrawal Plan Multiples thereof Multiples thereof

Recurring Expenses

Investment Mgmt 1.25% 1.25%


. Expenses

Operational Exp. 0.25% Nil

Other 1.00 % 1.25%


Recurring Exp

Total 2.50% 2.50%


Fund Name Reliance Index Fund ICICI Index Fund
Reliance Tax Saver ICICI Prudential
Fund Name (ELSS) Fund Tex Fund
Fund Name Reliance Diversified ICICI Prudential
Power Sector Fund Power
Reliance Long Term ICICI Prudential Long
Fund Name Equity Fund term Floating Rate Plan
Compare Between Reliance Mutual Fund
& UTI Mutual Fund

Fund Name Reliance Long Term UTI Sort Term


Equity Fund Income Fund

UTI Sort Term


Fund Name Reliance VISION Fund Income Fund
Fund Name Reliance Banking UTI Unit Link
Fund Insurance Plan
Fund Name Reliance Regular
Saving Fund UTI Bond Fund
Compare Between Reliance Mutual Fund
& Birla Sun Life Mutual Fund

Reliance Regular Birla sun Life


Fund Name Saving Fund Commodity Equity
Fund
Compare Between Reliance Mutual Fund
& SBI Mutual Fund

Reliance Equity SBI MAGNUM


Fund Name Fund Equity Fund
Type Open-ended Equity Fund Open-ended Index Scheme

Investment Equity & Equity related .90% Equity & Equity related & Debt .
Fund Name Reliance Index SBI MAGNUM
Pattern -100% & Debt,Fund
Money Market Index
90%-100%, Fund
Money Market and
and Cash 10%. Cash 10%.

Investment The primary investment object of theThe scheme will adopt a


Objective scheme is to achieve passive investment strategy.
long- term growth of capital The scheme will invest in stocks
by investment in equity and comprising the S&P CNX Nifty index in
equity related security though a research
the same proportion as in the
based investment index with the objective of
approach .The scheme will be achieve returns equivalent to
seek to generate capital the total Returns Index of S&P
appreciation by investing in CNX Nifty index by minimizing the
an achieve portfolio of performance difference between the
selected from S&p CNX Nifty benchmark index and the
on the basis of a mathematical scheme. The Total Returns
model Index is an index that reflects
the returns on the index from
index gain /loss plus dividend payments by
the constituent
stocks.

Options Growth & Dividend Growth & Dividend

Default Option Growth Reinvestment Dividend Reinvestment

Application Rs.1,000/- Rs.5,000 (plus multiples of


Amount (plus in multiples of Re. 1) Rs 1000)
Min. Additional Rs.100/- and in multiples Rs.1000/-
Investment thereof

Monthly Yearly

For Subscription below Investment bellow Rs


Entry Load
Rs. 2 Crores : Entry 50,00,000 0.50%
load at 2.25% of applicable Investment Rs 50,00,000 at
NAV 0.50% Investment
2)For Subscription below above Rs 50,00,000 Nil
Rs. 2 Crores but Rs.5crores
and Above Entry load at
1.00 % of applicable NAV
3)For investments of Rs.5
crores and Above : Nil

First Rs. 100 Cores 2.50% Nil


Exit Load
Next Rs.300crores2.25%
Balance 2.00%

Benchmark S&P Nifty Index S&P Nifty Index

Systematic Monthly: Minimum of Rs 500/month - 12 months, Rs


Investment Plan Rs. 1000 each monthly NAV 1000/month - 6months, Rs
1500/quarter - 12 months

Minimum of Rs.1000/- and SWP available for a minimum


Systematic
Multiples thereof of Rs. 500/- subject to
Withdrawal Plan
maintaining the minimum
investment payable on a
monthly basis

Dividend 12.30 13.7541

Growth 24.25 26.9489


Fund Name Reliance Tax Saver SBI MAGNUM Tex
(ELSS) Fund Gain Scheme Fund
Q.2 What is your Investment Trade ?
Q.6 In which category you belong ?
THANKS YOU

DATE: // SIGNATUAR