KEY INFORMATION MEMORANDUM & COMMON APPLICATION … › downloads_pdf › LIC... · 2017-01-10 · LIC Nomura MF Tax Plan LIC Nomura MF Infrastructure Fund Sponsors : Trustee: Investment

KEY INFORMATION MEMORANDUM & COMMON APPLICATION FORM

Continuous Offer of Units at Application NAV

Open Ended Equity / Hybrid Schemes

LIC Nomura MF Index Fund – Sensex Plan

LIC Nomura MF Index Fund – Nifty Plan

LIC Nomura MF Index Fund – Sensex Advantage Plan

LIC Nomura MF Balanced Fund

LIC Nomura MF Growth Fund

LIC Nomura MF Equity Fund

LIC Nomura MF Tax Plan

LIC Nomura MF Infrastructure Fund

Sponsors : Trustee: Investment Management :

Life Insurance Corporation of India (LIC)Registered Office : Yogakshema Building,

Jeevan Bima Marg,

Nariman Point,

Mumbai - 400 021.

LIC Nomura Mutual Fund Trustee

Company Private Limited Registered Office:4th Floor, Industrial Assurance Building

Opp. Churchgate Station,

Mumbai - 400 020.

CIN NO : U65992MH2003PTC139955

LIC Nomura Mutual Fund Asset

Management Company Limited Registered Office: 4th Floor, Industrial Assurance Building,

Opp. Churchgate Station,

Mumbai - 400 020.

CIN NO : U67190MH1994PLC077858

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

before investing. For further details of the scheme / Mutual Fund, due diligence certificate by the AMC, Key Personnel, investors’ rights & services, risk factors, penalties & pending litigations, etc. investors should, before investment,

refer to the Scheme Information Document(s) (SID) and Statement of Additional Information (SAI) available free of

cost at any of the Investor Service Centers or distributors or from the website www.licnomuramf.com

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

Funds Regulations, , as amended till date, and filed with Securities and Exchange Board of )ndia SEB) . The units being offered for public subscription have not been approved or disapproved by SEB), nor has SEB) certified the accuracy or adequacy of this KIM.

This Key Information Memorandum is dated June 26, 2015.

Toll Free No. 1800-258-5678

Mutual Fund Investments Are subject to Market Risk, Read All Scheme Related Documents Carefully.

E-mail: [email protected] Website: www.licnomuramf.com

KEY INFORMATION MEMORANDUM & COMMON APPLICATION FORM

Continuous Offer of Units at Application NAV

PRODUCT LABELING

To provide investors an easy understanding of the kind of product /scheme they are investing in and its suitability to them, the

product labeling for the following schemes is as under:

NAME OF THE SCHEME THE PRODUCT IS SUITABLE FOR INVESTORS WHO ARE SEEKING *

RISKOMETER

LIC Nomura MF Balanced Fund l Long term capital appreciation and

current income

l Investment in equity and equity related securities, fixed income securities (debt and money market

securities).

l Risk - Moderately High

LIC Nomura MF Growth Fund l Long Term Capital Growthl Investment in equity and equity

related securities


LIC Nomura MF Equity Fund l Long Term Capital Growthl Investment in equity and equity

related securities


LIC Nomura MF Tax Plan l Long Term Capital Growthl Investment in equity and equity

related securities


LIC Nomura MF Index Fund - Sensex Plan

l Long Term Capital Growthl Investment in equity instrument of respective index stocks subject to

tracking error.


LIC Nomura MF Index Fund - Nifty Plan

l Long Term Capital Growthl Investment in equity instrument of respective index stocks subject to

tracking error.


LIC Nomura MF Index Fund - Sensex Advantage Plan

l Long Term Capital Growthl Investment in equity instrument of respective index stock subject to

tracking error

l Risk- Moderately High

LIC Nomura MF Infrastructure Fund

l Long Term Capital Growthl Investment in equity and equity

related instruments of directly or

indirectly engaged in infrastructure

sector

l Risk - High

* Investors should consult their inancial advisors if in doubt whether the product is suitable for them.

1. LIC Nomura MF Equity Fund (An open ended equity scheme)

2. LIC Nomura MF Growth Fund (An open ended equity scheme)

Investment Objective An open ended pure Growth scheme seeking to provide capital growth by investing mainly in mix of equity instruments. An open ended pure Growth scheme seeking to provide capital growth by investing mainly in equity instruments and also in debt and other permitted instruments of capital and money markets.

Asset Allocation Pattern for the Scheme:

Investments Indicative Allocation

(% of Corpus)

Risk Profile

Equity and equity

related instrumentsUp to 100% Medium to High

Debt and debt related

instrumentsUp to 20% Low to Medium

The above Asset Allocation Pattern is only indicative and not absolute. Fund manager of the scheme may change the same from time to time, keeping in view market conditions, market opportunities, applicable regulations and political and economic factors. (owever, these proportions will be in line with the investment objective and could be altered only for short term and on defensive consideration in order to protect the interest of the unitholders.)nvestment in Derivatives )nstrument will be in accordance with SEBI (MF) Regulations.


(% of Corpus)

Risk Profile

Equity and equity

related instrumentsUp to 100% Medium to High

Debt and debt related

instrumentsUp to 20% Low to Medium

The above Asset Allocation Pattern is only indicative and not absolute. Fund manager of the scheme may change the same from time to time, keeping in view market conditions, market opportunities, applicable regulations and political and economic factors. (owever, these proportions will be in line with the investment objective and could be altered only for short term and on defensive consideration in order to protect the interest of the unitholders.)nvestment in Derivatives )nstrument will be in accordance with SEB) (MF) Regulations.

No. of Folios & AUM (As on 31/3/15)

Folios: 107949AUM in Crs: 304.92

Folios: 28713AUM in Crs: 99.05

Plan and Option Plans 1.Regular 2.Direct

Options1.Dividend – Payout and Reinvestment.Growth Plans

1.Regular 2.Direct

Options 1.Dividend – Payout and Reinvestment .Growth

Minimum Application Amount

Rs. 2,000/- and in multiples of Rs.200/- thereafter Rs. 2,000/- and in multiples of Rs.200/- thereafter

Benchmark Index S&P BSE Sensitive )ndex S&P BSE Sensitive )ndexFund Manager Shri Ramnath Venkateswaran Shri Sachin Relekar

Performance of the Scheme (As on 31/3/2015)

Regular Plan - Growth Option

Compounded Annualised

Returns

Scheme

Returns (%)^

Bench Mark

Returns (%)

Returns for the last 1 year 34.49% 24.92%

Returns for the last 3 years 19.16% 17.10%


Returns since inception 9.61% 11.83%

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

Absolute Returns for each financial year for the last years

2014 -2015 2013 -2014 2012 -2013 2011 -2012 2010 -2011

EQUITY FUND 34.49% 17.71% 6.68% -10.95% 9.25%

S&P BSE Sensitive Index 24.92% 18.60% 8.23% -10.50% 10.94%

-20.00%-10.00%

0.00%10.00%20.00%30.00%40.00%

Absolute Returns for each financial year for the last 5 years


Direct Plan - Growth Option

Compounded Annualised Returns

Scheme Returns (%)^

Bench Mark Returns (%)


Returns for the last 3 years NA NA





2014 -2015 2013 -2014

EQUITY FUND 35.80% 17.96%

S&P BSE Sensitive Index 24.92% 18.60%

0.00%

10.00%

20.00%

30.00%

40.00%




Scheme Returns (%)^








2014 -2015 2013 -2014 2012 -2013 2011 -2012 2010 -2011

GROWTH FUND 41.01% 18.96% 5.52% -10.21% 9.22%


-20.00%

0.00%

20.00%

40.00%

60.00%




Scheme Returns (%)^








GROWTH FUND

S&P BSE Sensitive Index

2014 -2015

42.06%

24.92%

0.00%

20.00%

40.00%

60.00%

2013 -2014

19.59%

18.60%


Expenses of the Scheme:

(i)Load Structure Entry Load – NilExit Load- % if redeemed or switched out on or before completion of 1 year from the date of allotments of units or Nil.

Entry Load – NilExit Load- % if redeemed or switched out on or before completion of year from the date of allotments of units or Nil.

(ii)Recurring Expenses Actual Expenses for the previous financial year = Regular- . %, Direct-2.09%

Actual Expenses for the previous financial year = Regular- . %, Direct-2.10%


3. LIC Nomura MF Infrastructure Fund (An open ended equity scheme)

Investment Objective The investment objective of the scheme is to generate long-term growth from a portfolio of equity / equity related instruments of companies engaged either directly or indirectly in the infrastructure sector.

Asset Allocation Pattern for the Scheme:

Investments Indicative

Allocation

(% of Corpus)

Risk Profile

Equity and equity related instruments

of companies engaged either directly or

indirectly in the infrastructure sector

70 – 100% High

Debt* and Money Market Instruments 0 – 30% Low to Medium*Debt securities includes securitised debt upto 30%

The above Asset Allocation Pattern is only indicative and not absolute. Fund manager of the scheme may change the same from time to time, keeping in view market conditions, market opportunities, applicable regulations and political and economic factors. (owever, these proportions will be in line with the investment objective and could be altered only for short term and on defensive consideration in order to protect the interest of the unitholders.)nvestment in Derivatives )nstrument will be in accordance with SEB) MF Regulations.

No. of Folios & AUM (As on 31/3/15)

Folios: 21204

AUM in Crs: 64.25

Plan and Option Plans

1.Regular

2.Direct

Options

1.Dividend – Payout and Reinvestment .GrowthMinimum Application Amount

Rs. 2,000/- and in multiples of Rs.200/- thereafter.

Benchmark Index S&P BSE 100

Fund Manager Shri Sachin Relekar

Performance of the Scheme (As on 31/3/2015)


Compounded Annualised Returns Scheme Returns (%)^ Bench Mark Returns %






2014 -

2015

2013 -

2014

2012 -

2013

2011 -

2012

2010 -

2011

INFRASTRUCTURE FUND 38.64% 15.33% 0.55% -17.24% -1.67%

S&P BSE 100 28.50% 17.70% 6.84% -9.23% 8.55%

-40.00%-20.00%

0.00%20.00%40.00%

60.00%


INFRASTRUCTURE FUND

S&P BSE 100



Compounded Annualised Returns Scheme Returns (%)^ Bench Mark Returns %







2014 -2015 2013 -2014

INFRASTRUCTURE FUND 39.71% 15.87%

S&P BSE 100 28.50% 17.70%

0.00%

20.00%

40.00%

60.00%



(i)Load Structure Entry Load – Nil

Exit Load- 1% if redeemed or switched out on or before completion of 1 year from the date of allotments of units or Nil.

(ii)Recurring Expenses Actual Expenses for the previous financial year = Regular - . % Direct - . %


4. LIC Nomura MF Index Fund- NIFTY Plan, SENSEX Plan and SENSEX ADVANTAGE Plan

(An Open ended Index linked equity Scheme)

Investment Objective The main investment objective of the fund is to generate returns commensurate with the performance of the index either Nifty/ Sensex based on the plans by investing in the respective index stocks subject to tracking errors.Asset Allocation Pattern

for the Scheme:PLAN Indicative Allocation (% of corpus) Risk Profile

TYPE OF SECURITY

Equity / Equity Futures Money market instruments and cash Others

Sensex Plan Upto % in Sensex Upto 10% High

Nifty Plan Upto 100% in Nifty Upto 10% High

Sensex Advantage Plan Upto % in Sensex Upto 10% 10% - 20% in select stocks outside the sensex High

The above Asset Allocation Pattern is only indicative and not absolute. Fund manager of the scheme may change the same from time to time, keeping in view market conditions, market opportunities, applicable regulations and political and economic factors. (owever, these proportions will be in line with the investment objective and could be altered only for short term and on defensive consideration in order to protect the interest of the unitholders.)nvestment in Derivatives )nstrument will be in accordance with SEB) MF Regulations.

No. of Folios & AUM

(As on 31/3/15)

Index Fund- NIFTY Plan

Folios: 4483

AUM in Crs: 12.84

Index Fund- SENSEX Plan

Folios: AUM in Crs: 10.82

Index Fund- SENSEX ADVANTAGE Plan

Folios: 1937

AUM in Crs: 3.88

Plan and Option Plans Regular

Direct

Options

1. Dividend – Payout and Reinvestment

2. GrowthMinimum Application

Amount

Rs. 2,000/- and in multiples of Rs.200/- thereafter.

Benchmark Index Sensex and Sensex Advantage Plan: S&P BSE Sensitive )ndexNifty Plan : CNX Nifty

Fund Manager Shri Ramnath VenkateswaranPerformance of the

Scheme (As on 31/3/15)


Index Fund- NIFTY Plan



Scheme Returns

(%)^

Bench Mark Returns

(%)

Returns for the last 1 year

26.22% 26.56%

Returns for the last 3 years

16.93% 17.03%


10.21% 10.09%

Returns since inception

13.63% 18.51%



2014 -2015 2013 -2014 2012 -2013 2011 -2012 2010 -2011

INDEX-NIFTY PLAN 26.22% 17.68% 7.47% -8.68% 11.38%

CNX NIFTY 26.56% 17.83% 7.31% -9.23% 11.14%

-20.00%

-10.00%

0.00%10.00%

20.00%

30.00%





Scheme Returns

(%)^

Bench Mark Returns

(%)


26.84% 26.56%


NA NA


NA NA


17.44% 16.80%

^Past performance may or may not be sustained in the future.Absolute Returns for each financial year for the last 2 years

2014 -2015 2013 -2014

INDEX-NIFTY PLAN 26.84% 18.26%

CNX NIFTY 26.56% 17.83%

0.00%

10.00%

20.00%

30.00%


Index Fund- SENSEX Plan



Scheme Returns

(%)^

Bench Mark Returns

(%)


24.52% 24.92%


17.21% 17.10%


9.98% 9.78%


14.61% 19.13%



2014 -2015 2013 -2014 2012 -2013 2011 -2012 2010 -2011

INDEX-SENSEX PLAN 24.52% 18.67% 8.82% -10.26% 11.35%


-20.00%

-10.00%0.00%

10.00%20.00%

30.00%





Scheme Returns

(%)^

Bench Mark Returns

(%)


25.12% 24.92%


NA NA


NA NA


17.60% 16.85%


2014 -2015 2013 -2014

INDEX-SENSEX ADVANTAGE

PLAN30.91% 19.29%


0.00%10.00%20.00%30.00%40.00%


Index Fund- SENSEX ADVANTAGE Plan



Scheme Returns

(%)^

Bench Mark Returns

(%)


30.22% 24.92%


18.77% 17.10%


10.88% 9.78%


14.48% 19.13%



2014 -2015 2013 -2014 2012 -2013 2011 -2012 2010 -2011


PLAN30.22% 18.63% 8.28% -9.60% 10.64%


-20.00%-10.00%

0.00%10.00%20.00%30.00%40.00%





Scheme Returns

(%)^

Bench Mark Returns

(%)


30.91% 24.92%


NA NA


NA NA


NA NA


2014 -2015 2013 -2014


PLAN30.91% 19.29%


0.00%10.00%20.00%30.00%40.00%



(i)Load Structure Entry Load – NilExit Load- % )f redeemed before month or nil(ii)Recurring Expenses Actual Expenses for the previous financial year

Index Fund- NIFTY Plan =Regular-1.78%Direct - 1.29%

Index Fund- SENSEX Plan = Regular-1.78%Direct - 1.32%

Index Fund- SENSEX ADVANTAGE Plan = Regular-1.78%Direct - 1.29%


5. LIC Nomura MF Balanced Fund(An Open Ended Balanced Fund)

6. LIC Nomura MF Tax Plan(An open ended pure growth scheme)

Investment Objective Anopenended ncomeandGrowthschemewhichseeks toprovideregular returns and capital appreciation according to the selection of plan by investing in equities and debt instruments.

Toprovidecapitalgrowthalongwithtaxrebateandtaxrelieftoourinvestors through prudent investments in the stock markets.

Asset Allocation Pattern for

the Scheme:Investments Indicative Allocation

(% of corpus)

RiskPro ile

Equity / Equity

Related Instruments

65-80% Medium to High

Debt* / Money mkt. 20-35% LowtoMedium

*Debt securities includes securitised debt and Government SecuritiesThe above Asset Allocation Pattern is only indicative and not absolute. Fund manager of the scheme may change the same from time to time, keepinginviewmarketconditions,marketopportunities,applicableregulations andpolitical and economic factors. owever, thesep-roportionswill be in linewith the investment objective and could bealtered only for short term and on defensive consideration in order to protect the interest of the unitholders.nvestmentinDerivatives nstrumentwillbeinaccordancewithSEB

(MF) Regulations.


(% of Corpus)

RiskPro ile

Equity 80-100% Medium to High

Deb/MM 0-20% LowtoMedium

The above Asset Allocation Pattern is only indicative and not abso-lute. Fund manager of the scheme may change the same from time to time, keeping in view market conditions, market opportunities,applicable regulations and political and economic factors. owever,these proportions will be in line with the investment objective andcould be altered only for short term and on defensive consideration in order to protect the interest of the unitholders.

No. of Folios & AUM

(As on 31/3/15)

Folios: 8594

AUM in Crs: 27.89

Folios: 12206

AUM in Crs: 48.74

Plan and Option Plans

1.Regular

2.Direct

Options

1. Dividend – Payout and Reinvestment

t.Growth

Plans

1. Regular

2.Direct

Options

1. Dividend – Payout

t.Growth

Minimum Application

Amount

Rs. 1,000/- and in multiples of Rs.500/- thereafter. Rs.500/- and in multiples of Rs.100/- thereafter.

Benchmark Index CR S LBalancedFund ndex S&PBSESensitive ndex

Fund Manager ShriRamnathVenkateshwaran Shri Sachin Relekar

Performance of the Scheme

(As on 31/3/15)

Index Fund- MF Balanced Fund



Scheme Returns

(%)-Regular

Growth^

Bench Mark

Returns %




Returns since inception 9.36% NA

- - - - -

BALANCED FUND . % . % . % - . % . %

CRISIL Balan ed Fund Inde . % . % . % - . % . %

- . %. %. %. %. %. %

A solute Returns for ea h finan ial ear for the last ears



Scheme Returns (%)-Regular

Growth^

Bench Mark Returns %





AbsoluteReturnsforeach inancialyearforthelasttyears

- -

BALANCED FUND . % . %

CRISIL Balan ed Fund Inde . % . %

. %

. %

. %

. %

. %


Index Fund- MF Tax Plan



Scheme Returns

(%)-Regular

Growth^

Bench Mark

Returns %





- - - - -

TAX PLAN . % . % . % - . % . %

S&P BSE Sensi ve Inde . % . % . % - . % . %

- . %

. %

. %

. %

. %

A solute Returns for ea h finan ial ear for the last ears



Scheme Returns (%)-Regular

Growth^

Bench Mark Returns %





AbsoluteReturnsforeach inancialyearforthelasttyears

- -

TAX PLAN . % . %

S&P BSE Sensi ve Inde . % . %

. %

. %

. %

. %



(i)Load Structure Entry Load – Nil

ExitLoad-s%ifredeemedorswitchedoutonorbeforecompletionof

1 year from the date of allotments of units or Nil.

Entry Load – Nil

ExitLoad-Nil.

(ii)Recurring Expenses ActualExpensesfortheprevious inancialyear=

Regular -2.84% Direct - 2.15%

ActualExpensesfortheprevious inancialyear=t.xu%

Regular - 2.84% Direct - 2.15%


INVESTMENT STRATEGY

LIC NOMURA MF EQUITY FUND:The investment approach for investing in equities would be to identify companies with a strong competitive position in a good business and having quality management. The focus would on fundamentally driven investment with scope for future growth.

LIC NOMURA MF GROWTH FUND:The investment approach for investing in equities would be to identify companies with a strong competitive position in a good business and having quality management. The focus would on fundamentally driven investment with scope for future growth.

LIC NOMURA MF INFRASTRUCTURE FUND:The scheme will invest in companies broadly within the following areas/sectors of the economy viz. Airports, Banks & Financial Institutions, Cement & Cement Products,

Coal, Construction, Electrical & Electronic Components, Engineering, Energy including

Coal, Oil & Gas, Petroleum & Pipelines, Industrial Capital Goods & Products, Metal &

Minerals.

LIC NOMURA MF INDEX FUND – NIFTY PLAN, SENSEX PLAN & SENSEX ADVANTAGE

PLAN:The scheme will be managed passively with investments in stocks in a proportion that is as close as possible to the weightage of these stocks in the respective indices. The investment strategy would revolve around reducing the tracking error to the least possible through regular re-balancing of the portfolio, taking into account the change in weights of stocks in the indices as well as the incremental collection/redemptions from these plans.

LIC NOMURA MF BALANCED FUND:The investment approach for investing in equities would be to identify companies with a strong competitive position in a good business and having quality management. The focus would on fundamentally driven investment with scope for future growth. While investment in debt instrument focuses on securities that give consistent returns at low levels of risks.

LIC NOMURA MF TAX PLAN:The investment approach for investing in equities would be to identify companies with a strong competitive position in a good business and having quality management. The focus would on fundamentally driven investment with scope for future growth.

RISK FACTOR AND RISK CONTROL

LIC NOMURA MF EQUITY FUND:The value in the investments is bound to change with changes in the factors affecting the market viz. Changes in interest rates, exchange rates, price and volume fluctuations in debt markets, taxation, govt. policies, and other economic and political developments.

LIC NOMURA MF GROWTH FUND:The value in the investments is bound to change with changes in the factors affecting the market viz. Changes in interest rates, exchange rates, price and volume fluctuations in debt markets, taxation, govt. policies, and other economic and political developments.

LIC NOMURA MF INFRASTRUCTURE FUND:The value in the investments is bound to change with changes in the factors affecting the market viz. Changes in interest rates, exchange rates, price and volume fluctuations in debt markets, taxation, govt. policies, and other economic and political developments.

LIC NOMURA MF INDEX FUND – NIFTY PLAN, SENSEX PLAN & SENSEX

ADVANTAGE PLAN:The value in the investments is bound to change with changes in the factors affecting the market viz. Changes in interest rates, exchange rates, price and volume fluctuations in debt markets, taxation, govt. policies, and other economic and political developments.

LIC NOMURA MF BALANCED FUND:The value in the investments is bound to change with changes in the factors affecting the market viz. Changes in interest rates, exchange rates, price and volume fluctuations in debt markets, taxation, govt. policies, and other economic and political developments

LIC NOMURA MF TAX PLAN:The value in the investments is bound to change with changes in the factors affecting the market viz. Changes in interest rates, exchange rates, price and volume fluctuations in debt markets, taxation, govt. policies, and other economic and political developments.

RISK CONTROL:The company had constituted a Risk Management Committee Comprising of in charge of Risk Management Systems and Chief Risk Officer and consisting of Senior Officials such as Chief )nvestment Officers, Chief Marketing Officer, Chief Operating Officer and Company Secretary as the Members of the Committee. This Committee provides the risk tools, aggregation and analysis of risk information. The basic role of the Risk Management Committee is as mentioned below:1) Review and monitor the overall risk management framework2) Review and monitor the risk management policies on a regular basis3) Review and monitor the risk management process4) Review the risk reporting including the amount, nature, characteristics, concentration and quality of the assetsReview of Risk Management System is placed before the Board of AMC/Trustees in every quarter.)nternal & Board approved limits are monitored by the )nvestment Committee in their weekly meetings and necessary corrective actions, if required, is taken within reasonable period of time. As stipulated by SEB), an independent review of the risk management system is conducted by the Concurrent Auditors, to check on the adequacy of the risk management systems. The observations of the auditors are placed before the Board of AMC / Trustees.


INFORMATION COMMON FOR ALL THE SCHEMESTreatment of applications under

"Direct" / "Regular" PlansScenario Broker Code mentioned by the

investorPlan mentioned by the investor Default Plan to be captured

1 Not mentioned Not mentioned Direct Plan

2 Not mentioned Direct Direct Plan

3 Not mentioned Regular Direct Plan

4 Mentioned Direct Direct Plan

5 Direct Not Mentioned Direct Plan

6 Direct Regular Direct Plan

7 Mentioned Regular Regular Plan

8 Mentioned Not Mentioned Regular Plan)n cases of wrong/ invalid/ incomplete ARN codes mentioned on the application form, the application shall be processed under Regular Plan. The AMC will contact and obtain the correct ARN code within calendar days of the receipt of the application form from the investor/ distributor. )n case, the correct code is not received within calendar days, the AMC will reprocess the transaction under Direct Plan from the date of application without any exit load.All Options and plans will be maintained in a common portfolio.Expenses of the

Scheme:

i. Load Structure:)n terms of SEB) circular no. SEB)/)MD/C)R No. / / dated June , , no entry load will be charged by the Scheme to the investor. The Upfront commission, if any, shall be paid directly by the investor to the AMFI registered Distributors based on the investors’ assessment of various factors including the service rendered by the distributor.No Exit Loads / CDSC will be chargeable in case of switches made from Growth option to Dividend option or vice versa within the respective Plans offered under the Scheme. No exit load shall be charged in respect of units issued to unitholders on Reinvestments of Dividends.Switch of investments from Regular Plan whether the investments were made before or after January , to Direct Plan shall be subject to applicable exit load, if any, and vice versa.Exit load/ CDSC if any up to % of the redemption value charged prior to October , to the unitholder by the Fund on redemption/switch-out of units shall be retained by the schemes in a separate account and will be utilized for payment of commissions to the ARN (older and to meet other marketing and selling expenses. Any amount in excess of % of the redemption value charged to the unitholder as exit load/ CDSC was credited to the respective scheme immediately. Further, pursuant to Circular no. C)R/)MD/DF/ / dated September , , with effect from October , , exit load charged, if any, by the AMC/Mutual Fund to the unitholder shall be credited to the respective Scheme immediately, net of service tax, if any.The investor is requested to check the prevailing load structure of the Scheme before investing.

ii. Recurring expenses [% of daily Net Assets]:

As per Regulation 52(6) of SEBI (MF) Regulations, the total expenses of the Scheme(s), including Investment Management and Advisory Fees, shall be subject to following limits as specified below:

1.For all Equity /Growth Schemes, the limit on total expenses including Investment Management and Advisory fees, shall be as follows:

i. On the First ` crores of the daily net assets: . %;ii. On the Next ` crores of the daily net assets: . %;iii. On the Next ` crores of the daily net assets: . %;iv. On the balance of the assets: . %.2. For LIC Nomura MF Index Fund, the total expenses of the scheme including the investment and advisory fees shall not exceed 1.50% of the daily net assets of the respective Scheme.

Additional Expenses in terms of newly inserted Regulation 52(6A) in addition to Maximum Total Expense Ratio on daily net assets of the Scheme(s) as permissible under Regulation 52(6) of SEBI (MF) Regulations:a Additional expenses not exceeding of . % of daily net assets may be charged to the Scheme, if the new inflows from beyond top cities* are at leasti % of gross new inflows in the scheme orii % of the average assets under management year to date of the scheme, whichever is higher.)n case inflows from beyond such cities is less than the higher of i or ii mentioned above, such additional expense on daily net assets of the scheme shall be charged on proportionate basis in accordance with SEB) Circular no. C)R/)MD/DF/ / dated September , The expense so charged shall be utilised for distribution expenses incurred for bringing inflows from such cities. (owever, the amount incurred as expense on account of inflows from such cities shall be credited back to the scheme in case the said inflows are redeemed within a period of one year from the date of investment.

*Top 15 cities shall mean top 15 cities based on Association of Mutual Funds in India (AMFI) data on ‘AUM by Geography - Consolidated Data for Mutual Fund Industry’ as at the end of the previous financial year.b Brokerage and transaction costs incurred for the execution of trades and included in the cost of investment, not exceeding . per cent of the value of trades in case of cash market transactions. Thus, in terms of SEBI circular CIR/IMD/DF/24/2012 dated November 19, 2012, it is hereby clarified that the brokerage and transaction costs incurred for the execution of trades may be capitalized to the extent of . per cent of the value of trades in case of cash market transactions. Any payment towards brokerage and transaction costs including service tax, if any incurred for the execution of trades, over and above the said . per cent for cash market transactions may be charged to the scheme within the maximum limit of Total Expense Ratio TER as prescribed under Regulation of the SEB) MF Regulations.c Additional expenses incurred towards different heads mentioned under Regulations and of SEB) MF Regulations, not exceeding 0.20 per cent of daily net assets of the scheme. Further in terms of SEBI Circular No. CIR/IMD/DF/21/2012 dated September 13, 2012,- the AMC / Mutual Fund shall annually set apart at least basis points i.e. . % on daily net assets of the scheme within the maximum limit of Total Expense Ratio as per Regulation of the SEB) MF Regulations for investor education and awareness initiatives.- AMC may charge service tax on following Fees and expenses as below:


a. Investment Management and Advisory Fees: AMC may charge service tax on investment management and advisory fees to the scheme in addition to the maximum limit of Total Expense Ratio as prescribed under Regulation of the SEB) MF Regulations. Currently, service tax is levied @ % for AMC fees as per taxation laws in force.b. Other than Investment Management and Advisory Fees: AMC may charge service tax on expenses other than investment management and advisory fees to the scheme within the maximum limit of Total Expense Ratio as prescribed under Regulation of the SEB) MF Regulations. Further, service tax on Brokerage and transaction cost incurred for execution of trades, will be within the maximum limit of Total Expense Ratio as prescribed under Regulation 52 of the SEBI (MF) Regulations.

(d) Fungibility of Maximum Permissible expense: The said maximum TER shall either be apportioned under various expense heads, without any sub limit or allocated to any of the permissible expense head s at the discretion of AMC. Also, the types of expenses charged shall be as permissible under SEBI (MF) Regulations.The total recurring expenses of the scheme excluding issue or redemption expenses, whether initially borne by the Mutual Fund or by the AMC, but including the investment management and advisory fee, shall not exceed the limits as prescribed under Regulation of the SEB) MF Regulations. Subject to the SEB) MF Regulations, expenses over and above the prescribed ceiling will be borne by the AMC. )nvestors are requested to refer to Section )V-FEES AND EXPENSES - B. Annual Scheme Recurring Expense of the respective Scheme )nformation Document.

Applicable NAV )n accordance with provisions of SEB) Circular No. C)R/)MD/DF/ / dated September , , SEB) circular No. Cir/ )MD/ DF/ / dated November 26, 2010, SEBI Circular No. IMD/ CIR No. 11 / 142521 / 08 dated October 24, 2008 and SEBI Circular SEBI/ IMD/ CIR No.11/ / dated October , and further amendments if any, thereto, the following cut-off timings shall be observed by Mutual Fund in respect of purchase/ redemption/ switches of units of the scheme, and the following NAVs shall be applied in each case:FOR SUBSCRIPTIONS / PURCHASE INCLUDING SWITCH-IN OF UNITS#:

I. Applicable NAV for Subscriptions / Purchase including switch-in of units for other schemes offered through this Common KIM (for

applications for an amount of less than Rs. 2 lacs under):• )n respect of valid applications received upto . p.m. by the Mutual Fund alongwith a local cheque or a demand draft payable at par at the place where the application is received, the closing NAV of the day on which application is received shall be applicable.• )n respect of valid applications received after . p.m. by the Mutual Fund alongwith a local cheque or a demand draft payable at par at the place where the application is received, the closing NAV of the next business day shall be applicable.II. Applicable NAV for Subscriptions / Purchase switch-in of units for other schemes offered through this Common KIM (for an amount of

Rs. 2 lacs and above):)n respect of valid applications for purchase of units with amount equal to or more than Rs. lacs, the closing NAV of the day or immediately following Business Day if that day is not a Business day on which the funds are available for utilization, shall be applicable.)n respect of subscriptions/purchase/Switch-in application with amount equal to or more than Rs. lacs, for allotment of units at applicable NAV as above, it shall be ensured that:i. Application is received before the applicable cut-off time (i.e. 3.00 p.m.)ii. Funds for the entire amount of subscription / purchase /switch-in as per the application are credited to the bank account of the respective scheme before the applicable cut-off time (i.e. 3.00 p.m.).iii. The funds are available for utilization before the applicable cut-off time i.e. . p.m. without availing any credit facility whether intra-day or otherwise, by the respective scheme.FOR REDEMPTIONS INCLUDING SWITCH-OUT OF UNITS:

I. Applicable NAV for Redemptions including switch-out of Units for other schemes offered through this Common KIM:• )n respect of valid applications received upto . p.m. by the Mutual Fund, same day’s closing NAV shall be applicable.• )n respect of valid applications received after . p.m. by the Mutual Fund, the closing NAV of the next business day shall be applicable.While the Applicable NAV shall be as per cut-off time specified above, the NAV shall be declared in accordance with the provisions as mentioned in the respective Scheme Information Document.# )nvestors are requested to note that the following practice of aggregating multiple / split applications / transactions shall be followed and accordingly the closing Net Asset Value NAV of the day on which the funds are available for utilization is being implemented where the aggregated amount of investments is Rs. 2 lacs and above.

(a) All transactions received on same Business Day (as per cut-off timing and Time stamping r ule prescribed under SEBI (Mutual Funds)

Regulations,1996 or circulars issued thereunder from time to time).b Aggregation of transactions shall be applicable to all Schemes excluding Liquid Schemes offered under this Common K)M.c Transactions shall include purchases, additional purchases, and exclude Switches, Systematic )nvestment Plans S)P and Systematic Transfer Plans (STP).d Aggregation of transactions shall be done on the basis of investor s Permanent Account Number PAN . )n case of joint holding in folios, transactions with similar holding pattern will be aggregated.e Such aggregation shall be done irrespective of the number of folios under which the investor is investing and irrespective of source of funds, mode of payment, location and time of applicationf All transactions will be aggregated where investor holding pattern is same as stated above, irrespective of whether the amount of the individual transaction is above or below Rs. lacs.g Only transactions in the same Scheme shall be clubbed. This will include transactions at plan / options level i.e. Regular Plan, Direct Plan, Dividend Option, Growth Option, etc .h Transactions in the name of minor received through guardian will not be aggregated with the transaction in the name of same guardian. (owever, two or more transactions in the same folio of a minor will be considered for aggregation.

Daily NAV

Publication

The NAV will be declared on all business days and will be published atleast in daily newspapers in accordance with SEB) MF Regulations. NAV can also be viewed on www.licnomuramf.com and www.amfiindia.com )nvestors can also call up at our toll free number - - - .Dividend Policy Under the Dividend Option, the Fund expects to declare dividend on a regular basis subject to availability of distributable surplus, as computed in accordance with SEB) Mutual Funds Regulations, . Dividends, if declared, will be paid subject to deduction of TDS, if any to those unithholders whose names appear in the Register of Unitholders as on the Record Date. Dividend Warrants will be dispatched to the unitholders within days of the declaration of the dividend. (owever, it must be clearly understood that the actual declaration of dividend and the frequency thereof will inter alia, depend on the availability of distributable profits as computed in accordance with SEB) Mutual Funds Regulations, .The decision of the Trustee in this regard shall be final. There is no assurance or guarantee to the unitholders as to the rate of dividend distribution or that dividends will be paid regularly. On payment of dividend, the NAV will fall to the extent of dividend amount and dividend tax if applicableDividend Transfer Plan

(DTP)

DTP has been introduced in all our schemes w.e.f / / . )f an investor wants to opt for DTP, he can do so by filing of the transaction slip available at our offices. There is no assurance or guarantee to the unitholders as to rate of income distribution and regularity in declaration of income distribution. Though it is the intention of the fund to make monthly, quarterly and yearly income distribution under the dividend option.


Direct Plan )n accordance with Para D titled Separate Option for direct investments under SEB) Circular no. C)R/)MD/DF/ / dated September , , a separate plan for direct investments i.e. investments not routed through an AMF) Registration Number ARN (older Distributor Direct Plan is being offered under all schemes with effect from January , :(a) Direct Plan is only for investors who purchase /subscribe Units in a Scheme directly with the Mutual Fund and is not available for

investors who route their investments through a Distributor. )nvestors should indicate the Plan for which the subscription is made by indicating the choice in the application form. (b) Eligible investors: All categories of investors whether existing or new Unitholders as permitted under the SID are eligible to subscribe under Direct Plan. (c) Modes for applying: Investments under Direct Plan can be made through various modes offered by the Mutual Fund for investing directly with the Mutual Fund [except through Stock Exchange Platforms for Mutual Funds and all other Platform s where investors’ applications for subscription of units are routed through Distributors]. (d) How to apply: i. Investors desirous of subscribing under Direct Plan of a Scheme will have to ensure to indicate Direct Plan against the Scheme name in the application form. ii. Investors should also indicate Direct in the ARN column of the application form. (e) Scheme characteristics: Scheme characteristics such as Investment Objective, Asset Allocation Pattern, )nvestment Strategy, risk factors, facilities offered and terms and conditions including load structure will be the same for the Regular Plan and the Direct Plan except that: a Switch of investments from Regular Plan whether the investments were made before or after the Effective Date to Direct Plan shall be subject to applicable exit load, if any, and vice versa. b Direct Plan shall have a lower total expense ratio as compared to expense ratio of Regular Plan under same scheme. The difference in the expense ratio between the Direct Plan and Regular Plan will be only resulting from exclusion of distribution expenses, commission, etc. for distribution of Units under Regular Plan. (f) Investments

through systematic routes: (a) In case of Systematic Investment Plan (SIP) / Systematic Transfer Plan (STP) etc. registered prior to the January , without any distributor code under the Regular Plan, installments falling on or after the January , will automatically be processed under the Direct Plan. b )nvestors who had registered for Systematic )nvestment Plan facility prior to the January , with distributor code and wish to invest their future installments into the Direct Plan shall make a written request to the Mutual Fund in this behalf. The Fund will take at least days to process such requests. )ntervening installments will continue in the Regular Plan. (g) Redemption requests: Where Units under a Scheme are held under both Regular and Direct Plans and the redemption / Switch request pertains to the Direct Plan, the same must clearly be mentioned on the request along with the folio number , failing which the request would be processed from the Regular Plan. (owever, where Units under the requested Option are held only under one Plan, the request would be processed under such Plan.Waiver of Load for

Direct Applications

Pursuant to SEBI Circular no SEBI/IMD/CIR No 4/16831/09 dated June 30 2009 no entry load shall be charged for all mutual funds schemes. Therefore procedure for waiver of load for direct application is no longer applicable.Tax treatment for

Unitholders

)nvestors are advised to refer to the details in the Statement of Additional )nformation and also independently refer to his tax advisor.Name of the Trustee

Company

LIC Nomura Mutual Fund Trustee Company Private Limited

For Investor

Grievances

please contact

M/s. Karvy Computershare Pvt. Ltd.Unit: L)C Nomura Mutual Fund Karvy Plaza, (ouse No. - - ,Avenue ,Street No. , Banjara (ills,Hyderabad - 500 034Tel. - - ; Fax : - Email : [email protected]. : www.karvycomputershare.com / www.karvymfs.com

LIC NOMURA Mutual Fund

4th Floor, Industrial Assurance Building

Opp. Churchgate Station, Churchgate,

Mumbai - 400 020Tel.: - ; Fax: - Toll Free No.: E-mail: [email protected]: www.licnomuramf.comUnitholders’

Information

Account Statements / Confirmation:• On acceptance of the application for subscription, an allotment confirmation specifying the number of units allotted to the investor shall be send by way of email to the investors’ registered email address not later than five business days from the date of receipt of request.• Thereafter, a Consolidated Account Statement CAS shall also be sent to the Unitholder in whose folio transactions viz. subscriptions, redemptions, switches, dividend payout etc. have taken place during that month, on or before th of the succeeding month by e-mail/mail. CAS shall contain details relating to all the transactions** carried out by the investor, including details of transaction charges paid to the distributor, if any, across all

schemes of all mutual funds, during the month and holding at the end of the month.

**The word ‘transaction’ shall include purchase, redemption, switch, dividend payout, dividend reinvestment, Systematic Investment Plan, Systematic

Withdrawal Plan and Systematic Transfer Plan transactions.• )n case of specific request received from investors, account statement shall be issued to the investors within five business days from the receipt of such request without any charges. The unitholder may request for a physical account statement by writing/calling the AMC/)SC/R&T.• )n the event the account has more than one registered holder, the first named Unitholder shall receive the CAS/account statement.• The transactions viz. purchase, redemption, switch, dividend payout, etc., carried out by the Unitholders shall be reflected in the CAS on the basis of Permanent Account Number (PAN).• The CAS shall not be received by the Unitholders for the folio s not updated with PAN details. The Unitholders are therefore requested to ensure that the folio s are updated with their PAN.• No Account Statements will be issued to investors opted to hold units in electronic (demat) mode, since the statement of account

furnished periodically by respective Depository Participants (DPs) will contain the details of transactions.

Half Yearly Consolidated Account Statement:- A CAS detailing holding across all schemes of all mutual funds at the end of every six months i.e. September / March , shall be sent by mail/e-mail on or before 10th day of succeeding month, to all such Unitholders in whose folios no transaction has taken place during that period. Such Consolidated Account Statement shall reflect the latest closing balance and value of the Units prior to the date of generation of the consolidated account statement.- The half yearly consolidated account statement will be sent by e-mail to the Unitholders whose e-mail address is available, unless a specific request is made to receive in physical.For those unitholders who have provided an e-mail address, the AMC will send the communication by email. Unitholders who receive e-mail statements may download the documents after receiving e-mail from the Mutual Fund. )f any Unitholder experience any difficulty in accessing the electronically delivered documents, the Unitholder shall promptly advise the Mutual Fund to enable the Mutual Fund to make the delivery through alternate means. )t is deemed that the Unitholder is aware of all security risks including possible third party interception of the documents and contents of the documents becoming known to third parties.Annual Report:The scheme wise annual report or an abridged summary thereof shall be sent to all Unitholders not later than four months from the date of closure of the relevant accounting year and full annual report shall be available for inspection at the (ead Office of the Mutual Fund and a copy shall be made available to the Unitholders on request on payment of nominal fees, if any.


The scheme wise annual report or an abridged summary thereof the reports shall be sent:(i)By e-mail only to the Unitholders whose e-mail address is available with L)C Nomura Mutual Fund;ii )n physical form to the Unitholders whose email address is not available with L)C Nomura Mutual Fund and/or to those Unitholders who have opted / requested for the same.Accordingly, unitholders are requested to ensure that their folio s are updated with e-mail address, in case they wish to receive the reports electronically i.e. via e-mail. Also, in case the unitholders wish to receive physical copies of reports they may indicate as such, notwithstanding registration of e-mail address with L)C Nomura Mutual Fund.The physical copy of the scheme wise annual report or abridged summary thereof shall be made available to the investors at the registered office of the L)C Nomura Mutual Fund. A link of the scheme annual report or abridged summary thereof shall be displayed prominently on the website of the Mutual Fund www.licnomuramf.com and shall also be displayed on the website of AMF) www.amfiindia.com .Half yearly Disclosures (Unaudited Financial Results / Portfolio):Mutual Fund / AMC shall within one month from the close of each half year, i.e. st March and on th September , host a soft copy of its unaudited financial results on its website www.licnomuramf.com . Further, the Mutual Fund / AMC shall publish an advertisement disclosing the hosting of such unaudited half yearly financial results on their website, in atleast one national English daily newspaper and a regional newspaper published in the language of the region where the (ead Office of the Mutual Fund is situated.The Mutual Fund / AMC shall before the expiry of one month from the close of each half year i.e. st March and th September , publish its complete statement of the scheme portfolio in prescribed format as at end of such half year in one national English daily newspaper and in a regional newspaper published in the language of the region where the (ead Office of the Mutual Fund is situated.Further, the monthly portfolio of the scheme alongwith )S)N shall also be made available on the website of Mutual Fund www.licnomuramf.com on or before tenth day of the succeeding month.

Option to Hold Units in demat mode:)nvestors shall have an option to subscribe to/ hold the units in electronic demat form in accordance with the guidelines/ procedural requirements as laid by the Depositories NSDL/CDSL from time to time. )n case of S)P, units will be allotted based on the applicable NAV as per provisions of Scheme )nformation Document and will be credited to demat account of the investors on weekly basis upon realisation of funds . (owever, Special Products/Facilities such as Systematic Withdrawal Plan, Systematic Transfer Plan and Switching facility offered by Mutual Fund shall be available for unitholders under the scheme in case the units are held/opted to be held in physical (non-demat) mode.)nvestors intending to hold units in electronic demat form will be required to have beneficiary account with a Depository Participant DP registered with NSDL / CDSL and will be required to indicate, in the application form, the DP’s name, DP )D Number and the Beneficiary account number of the applicant held with the DP at the time of subscribing to the units. Applicants must ensure that the sequence of the names as mentioned in the application form matches with that of the beneficiary account held with the DP. Names, PAN details, KYC details etc. mentioned in the Application Form will be verified against the Depository records.If the details mentioned in the application form are found to be incomplete / incorrect or not matching with the depository records, the

application shall be treated as application for physical (non-demat) mode and accordingly units will be allotted in physical (non-demat)

mode, subject to it being complete in all other aspects.Unitholders who have opted to hold and thereby allotted units in electronic demat form will receive payment of redemption / dividend proceeds into bank account linked to their Demat account. In case, the Unitholder desires to hold the Units in a Dematerialized / Rematerialized form at a

later date, the request for conversion of units held in physical (non-demat) mode into electronic (demat) form or vice-versa should be submitted alongwith a Demat / Remat Request Form to their Depository Participant s . )nvestors should ensure that the combination of names in the account statement is the same as that in the demat account. The allotment of units in demat form shall be subject in terms of the guidelines / procedural requirements as laid by the Depositories NSDL/CDSL from time to time. Further, the units held in electronic demat form will be transferable in accordance with provisions of Depositories Act, and the Securities and Exchange Board of )ndia Depositories and Participants Regulations, 1996 as may be amended from time to time.

Transaction Charges SEB) has, with the intent to enable investment by people with small saving potential and to increase reach of Mutual Fund products in urban areas and in smaller towns, wherein the role of the distributor is considered vital, allowed AMCs vide its circular No. Cir/ )MD/ DF/ / dated August 22, 2011 to deduct transaction charges for subscription of Rs. 10,000/- and above.)n accordance with the said circular, L)C Nomura Mutual Fund will deduct the transaction charges from the subscription amount and pay to the distributors as shown below who have opted-in to receive the transaction charges on basis of type of product . Thereafter, the balance of the subscription amount shall be invested.. Transaction charges shall be deducted for Applications for purchase/ subscription relating to new inflows and routed through distributor/ agent:Investor Type Transaction charges^ First Time Mutual Fund Investor (across Mutual Funds) Rs. 150 for subscription application of Rs. 10,000

and above. Investor other than First Time Mutual Fund Investor Rs. 100 for subscription application of Rs. 10,000 and above.. ^The transaction charge, if any, shall be deducted by the L)C Nomura Mutual Fund from the subscription amount and paid to the distributor; and the balance shall be invested and accordingly units allotted. The statement of account shall clearly state the net investment as gross subscription less transaction charge and depict the number of units allotted against the net investment amount. (owever, Transaction charges in case of investments through Systematic )nvestment Plan S)P from first time mutual fund investor and investor other than first time mutual fund investor shall be deducted only if the total commitment i.e. amount per S)P installment x No. of installments amounts to Rs. , /- or more. The transaction charges shall be deducted in 3-4 installments.

3. Transaction charges shall not be deducted/applicable for:a purchases / subscriptions for an amount less than Rs. , /-;b transaction other than purchases / subscriptions relating to new inflows such as Switches / STPs etc.(c) Purchases / subscriptions made directly with the Mutual Fund (i.e. not routed through any distributor / agent).d Transactions carried out through the Stock Exchange Platforms for Mutual Funds.4. Investor should note that, as per SEBI circular no. SEBI/IMD/CIR No. 4/ 168230/09, dated June 30, 2009, the upfront commission, if any, on

investment made by the investor shall continue to be paid by the investor directly to the Distributor by a separate cheque, based on his assessment

of various factors including the service rendered by the Distributor.


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ARN Code Sub-broker Code Sub-broker ARN Code Employee Unique )dentification Number EU)N Time Stamp NoFor office use only

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

DOB

Second Applicant ‘s Name FIRST MIDDLE LAST KYC :

Third Applicant ‘s Name FIRST MIDDLE LAST KYC :

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

NAME OF GUARDIAN in case of First / Sole Applicant is a Minor / NAME OF CONTACT PERSON – DES)GNAT)ON in case of non-individual )nvestors FIRST MIDDLE LASTPAN: KYC Relationship with minor Please √ Father Mother Court Appointed Legal Guardian3. TAX STATUS Please tick √ Resident )ndividual FIIs NR)-NRO HUF Club/Society P)O Body Corporate Minor Government Body

Trust NRI-NRE Bank & F) Sole Proprietor Partnership Firm QFI FP) Others Company LLP 4. KYC Details (Mandatory) Occupation Please tick (√)

FIRST APPLICANT Private Sector Student

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

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

THIRD APPLICANT Private Sector Student

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

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

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

Yes No Yes No Yes No Yes No

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

TRANSACT)ON C(ARGES FOR APPL)CANTS T(ROUG( ARN (OLDER ONLY [Refer )nstruction ] ) confirm that ) am a First time investor across Mutual Funds. ) confirm that ) am an existing investor in Mutual Funds.Rs. deductible as Transaction Charge and payable to the Distributor Rs. deductible as Transaction Charge and payable to the Distributor)n case the purchase/ subscription amount is Rs. , or more and your Distributor has opted in to receive Transaction Charges, the same are deductible as applicable from the purchase/ subscription amount and payable to the Distributor. Units will be issued against the balance amount invested. Upfront commission shall be paid directly by the investor to the ARN (older AMF) registered Distributor based on the investors’ assessment of various factors including the service rendered by the ARN (older.1. EXISTING UNIT HOLDER INFORMATION )f you have existing folio, with PAN & )YC validation please fill in section and proceed to section .Folio No. The details in our records under the folio number mentioned alongside will apply for this application2. APPLICANT(S) DETAILS )n case of Minor, there shall be no joint holders Mandatory information – )f left blank the application is liable to be rejected.Sole/First Applicant ‘s Name FIRST MIDDLE LAST KYC :

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

Application No.

)EY PARTNER / ARN (OLDER )NFORMAT)ON )nvestors applying under Direct Plan must mention Direct in ARN Code column. Refer )nstruction & )nvestors must read the )ey )nformation Memorandum, the instructions and product labeling on cover page before completing this Form. The Application Form should be completed in English and in BLOC) LETTERS only.

ACKNOWLEDGEMENT SLIP

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

Time Stamp No.

)SC Signature, Stamp & Date

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

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

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

Landmark City State Pincode Counry

COMMON APPLICATION FORM

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

Website : www.licnomuramf.com

For any queries please contact our nearest Investor Service Centre or

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

7. CONTACT DETAILS OF SOLE/FIRST APPLICANT Mobile No. and Email Id. Refer Instruction No. 11)Email )d Please Specify Mobile No.Tel no Resi STD Code Off STD Code8. Overseas address Overseas address is mandatory for NR) / F)) applicants in addition to mailing address in )ndiaLandmark City State Pincode Country

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

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

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

11. BANK ACCOUNT DETAILS OF THE FIRST APPLICANT refer instruction As per SEB) Regulations it is mandatory for investors to provide their bank account detailsAccount No. Name of the BankType of A/c SB Current NRE NRO FCNR Others Ps specify Branch Bank City)FSC code** MICR no Refer )nstruction . Mandatory to attach proof, in case the pay-out bank account is different from the bank account where the investment is made For unit holders opting to hold units in demat form, please ensure that the bank account is mentioned here. **Mandatory to credit via NEFT/RTGS

16. DECLARATION & SIGNATURE/S a (aving read & understand the contents of the Scheme )nformation Document of the Scheme & reinvestment scheme. )/We hereby apply for units of the scheme & agree to abide by the terms, conditions, rules & regulations governing the scheme. ) /We hereby declare that the amount invested in the scheme is through ligitimate sources only & does not involve & is not designed for the purpose of the contravention of any Act, Rules, Regulations, Notifications or Directions of the provisions of the )ncome Tax Act, Anti Money laundering Laws, Anti Corruption Laws or any other applicable laws enacted by the Govt. of )ndia from time to time. ) /We have understood the details of the scheme & ) /We have nor recieved nor have been induced by any rebate or gifts, directly or indirectly in making this investment. ) /We confirm that the funds invested in the Scheme, legally belong to me / us, )n the event ")now Tour Customer" process is not completed by me / us to the satisfaction of the AMC. ) /We hereby authorised the AMC, to redeem the funds invested in the Scheme, in favour of the applicant at the applicable NAV prevalling on the date of such redemption & undertaking such other action with such funds that may be required by the Law. b for NR)s: ) /We confirm that ) am/ we are Non Resident of )ndian Nationality / Origin & that ) /we have remitted funds from abroad through approved banking channels or from funds in my/our Non-Resident External / Non-Resident Ordinary. )/We confirm that details provided by me/us are true & correct. c 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. d )/We have read & understood the SEB) Circular no. MRD/DoP/Cir / dt. April , & SEB) Circular No. / MEM-COR/ / - dt. (une , regarding mandatory requirement of PAN. )/We confirm that )/we are holding valid PAN card / have applied for PAN. e The ARN holder has disclosed to me/us all the commission )n the form of trail commission or any other mode , payable to him for the different competing Scheme of various Mutual Fund from amongst which the Scheme is being recommended to me /us.

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

Nominee 1 100%To register multiple nominee please fill seperate Nomination Form15. POA (Power of Attorney) REG)STRAT)ON DETA)LS Refer )nstruction overleafName of the POA holder Attached )YC Letter MandatoryPAN of the PoA holder Notarized copy of PoA

13. Option for Switch

Switch in To LIC Nomura MF Plan OptionRegular Direct Growth /Dividend / Div Reinvestment /Div PayoutAmount: Rs ___________________From

Scheme Name

Plan OptionRegular Direct Growth /Dividend / Div Reinvestment /Div PayoutFolio No.

Amount : Rs. Units:

LIC Nomura MF

12. INVESTMENT DETAILS [ Please tick √ ] Refer )nstruction No. , & )f this section is left blank, only folio will be createdSeparate cheque/demand draft must be )ssued for each )nvestment, drawn in favour of respective scheme name. Please write appropriate scheme name as well as the Plan / Option / Sub Option.* Cheque / DD Favouring Scheme Name refer )nstruction & Plan / Option Amount )nvested Rs. DD Charges Net Amount Paid Rs. Cheque/DD No./UTR No. in case of NEFT/RTGS Bank and Branch and Account Number*All purchases are subject to relaization of fund Refer to )nstruction No. Account Type Please tick √ SB Current NRE NRO FCNR Others Per Specify

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

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

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

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

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

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

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

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

INSTRUCTIONS

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

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

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

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

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

9.1.1. Repatriatlon Basis

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

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

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

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

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

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

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


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

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

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

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

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

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

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

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

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

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

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

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

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

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


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

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

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

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

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

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

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

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

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

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


KARVY - OFFICIAL POINT OF ACCEPTANCE

Agartala: Bidurkarta Chowmuhani, J N Bari Road, Tripura (West), Agartala, Tripura -799001 (9862029365,-,0381-2317519) Agra: 1St Floor,” Deepak Wasan Plaza, Behind Holiday Inn”,”Opp Megdoot Furnitures, Sanjay Place”, Agra,Uttar Pradesh - 282002 (9219057111,9045161870,9369918603) Ahmedabad: 201/202 Shail Complex,”Opp: Madhusudan House, B/H Girish Cold Drink”,”Off C G Road, Navrangpura”,Ahmedabad,Gujarat-380006 (8140670181,9375127799,079-65445550,079-26402967) Ajmer:”S.No.1 & 2, 2nd Floor”, Ajmer Tower, Kutchery Road, Ajmer, Rajasthan- 305001 (9982338657, 8769397108,0145-5120725,0145-2628055)Akola: ”Yamuna Tarang Complex, Shop No 30,”,”Ground Floor, N.H. No- 06, Murtizapur Road”, Opp Radhakrishna Talkies, Akola, Maharashthra-444004 (9767930094, 9767930094, 0724-2451874) Aligarh: 1St Floor, Kumar Plaza, Aligarh, Uttar Pradesh-202001 (9897518566,-, 9369918604) Allahabad: “Rsa Towers, 2Nd Floor”,”Above Sony TV Showroom,”,”57, S P Marg, Civil Lines”, Allahabad, Uttar Pradesh-211001 (9621968292,-,9369918605) Alleppy: “X1V 172, Jp Towers”, Mullackal, Ksrtc Bus Stand, Alleppy, Kerala -688011 (9746526280, 0477 2263055) Alwar: “101,Saurabh Tower”, “Opp. Uit, Near Bhagat Singh Circle”, Road No.2, Alwar, Rajasthan- 301001 (9785791578, 9667486970, 0144-3291200, 0144-3291300) Amaravathi: “Shop No. 21, 2nd Floor”, “Gulshan Tower,”, “Near Panchsheel Talkies, Jaistambh Square,” Amaravathi, Maharashthra -444601 (9922039981, 9922039981, 0721-3291081, 0721-3291081) Ambala: “6349,”,”Nicholson Road,” Adjacent Kos Hospitalambala Cant, Ambala, Haryana-133001 (9416916266,-, 9315017301) Amritsar: 72-A,

Taylor’S Road, Opp Aga Heritage Club, Amritsar, Punjab - 143001 (9814439422, 9988273070, 0183-5053802) Anand: B-42 Vaibhav Commercial Center, Nr Tvs Down Town Shrow Room, Grid Char Rasta , Anand, Gujarat-380001 (9824686552, 9662020623) Ananthapur: “#15/149, 1St Floor”,”S R Towers, Subash Road”, Opp. To Lalitha Kala Parishad, Anantapur, Andhra Pradesh-515001 (9908323683, 9966259531, 08554-244449) Ankleshwar: L/2 Keval Shopping Center, Old National Highway, Ankleshwar, Ankleshwar, Gujarat - 393002 (02646 645326,, 02646 645326) Asansol: 114/71 G T Road,” Near Sony Centre, Bhanga Pachil”,-, Asansol, West Bengal -713303 (9002803986, 956312499, 0341-3266507) Aurangabad: Ramkunj Niwas , Railway Station Road, Near Osmanpura Circle, Aurangabad, Maharashthra- 431005(9604396113,9604396113,0240-2343414,0240-2343414) Azamgarh: 1St Floor, Alkal Building, Opp. Nagaripalika Civil Line, Azamgarh, Uttar Pradesh-276001 (8004781413,-,9307910001) Malleshwaram, Bangalore: No.337, Gf-3, Karuna Complex, Sampige Road, Opp: New Vegetable Market, Malleshwaram, Bangalore - 560 003; Koramangala, Bangalore: No. 408, CITA Bldg, I Floor, Next To Vodafone Office , Koramangala, Bangalore - 560 095; Bangalore: “59, “,Skanda puttanna Road, Basavanagudi, Bangalore, Karnataka- 560004 (9945814576,9611131412,080-26600785,080-26602852/9625) Balasore: M.S Das Street,”Gopalgaon, “,”Balasore,Orissa”,Balasore,Orissa,756001,9937273913,8598883282,06782-260503, Bankura: Ambika Market Complex (Ground Floor),”Nutanganj, Post & Dist Bankura,”,-,Bankura, West Bengal-722101 (9434480586,8900337733,03242-255964) Bareilly: “1St Floor, 165”,Civil Linesopp.Hotel Bareilly Palace, Near Railway Station,Bareilly,Uttar Pradesh-243001 (9015316671,-,9369918607) Barhampore (Wb): “Thakur Market Complex, Gorabazar”,Post Berhampore Dist Murshidabad,72 No Nayasarak Road,Barhampore (Wb),West Bengal-742101 (9933345701,,03482 274494) Baroda: “Sb-5, Mangaldeep Complex, “Opp. Masonic Hall,”,”Productivity Road, Alkapuri, Baroda, Gujarat- 390007 (8238065427,8866180491,0265-6640870,0265-6640871) Begusarai: Near Hotel Diamond Surbhi Complex,O.C Township Gate,Kapasiya Chowk,Begusarai,Bihar,851117,9534999935,-,9308793949 Belgaum: Cts No 3939/ A2 A1,Above Raymonds Show Room |Beside Harsha Appliances,Club Road, Belgaum ,Karnataka-590001(9611657824,8884503542, 0831 2402544) Bellary: “No. 1, Khb Colony”,”Gandhi Nagar,”,-,Bellary,Karnataka -583103 (9742612169, 7204808722, 08392 – 254750) Berhampur (Or): Opp –Divya Nandan Kalyan Mandap,”3rd Lane Dharam Nagar,”,Near Lohiya Motor, Berhampur (Or),Orissa-760001(9937447449,9853333217,0680-2228106) Betul: “107,1St Floor, Hotel Utkarsh “,| J. H. College Road ,-,Betul,Madhya Pradesh-460001(9981776781,9981776781,07141- 231301) Bhagalpur: 2nd Floor, “Chandralok Complex, Ghantaghar”,Radha Rani Sinha Road,Bhagalpur,Bihar-812001 (9905788640,8092825227,9386256100) Bharuch: Shop No 147-148,Aditya Complex,Near Kasak Circle,Bharuch,Gujarat-392001 (9033936167,02642-225022,02642-225022) Bhatinda: #2047-A 2Nd Floor,The Mall Road,Above Max New York Life Insurance, New Delhi,Punjab-151001 (7837112112,9988270340,0164-5006725) Bhavnagar:

“Krushna Darshan Complex, Parimal Chowk”,”Office No. 306-307, 3Rd Floor”,Above Jed Blue Show Room,Bhavnagar,Gujarat-364002(9624542735,,0278-3004116) Bhilai: “Shop No -1, First Floor”,”Plot No -1, Commercial Complex”,Nehru Nagar- East,Bhilai, Chatisgarh-490020 (9300051444,9424106597,0788-2295999,0788-2295332) Bhilwara: Shop No. 27-28,”1St Floor, Heera Panna Market”, Pur Road, Bhilwara, Rajasthan-311001 (9251817523,9928484514,01482-246362,01482-246364) Bhopal: Kay Kay Business Centre,”133, Zone I, Mp Nagar”, Above City Bank, Bhopal,Madhya Pradesh-462011(9630030107,0755-4092711,0755-4092712,0755-4092715) Bhubaneswar: “A/181 , Back Side Of Shivam Honda Show Room”, Saheed Nagar,-,Bhubaneswar, Orissa-751007(9777457817,9777457817,0674-6534585) Bikaner: “70-71, 2nd Floor | Dr.Chahar Building “,Panchsati Circle,Sadul Ganj, Bikaner, Rajasthan-334001 (8302133850,9928811774,0151-2200014) Bilaspur: “Shop No-201 & 202, 1St Floor, “,”V R Plaza, Link Road, Bilaspur, C.G.”,-,Bilaspur, Chatisgarh-495001 (9302502220, 9685516691, 07752-408436, 9302502220 (Bhishm) Bokaro : “B-1, 1St Floor, City Centre,”,”Sector- 4, “,Near Sona Chandi Jwellars,Bokaro, Jharkhand-827004 (9431738862, 9430132980, 9204061959, 06542-233330/31) Burdwan: 63 Gt Road,Halder Complex 1St Floor,-,Burdwan,West Bengal,-713101(9732145793,8145519142,0342-2665140) Calicut: Iind Floor Soubhagya Shopping Complex,Arayidathpalam,Mavoor Road, Calicut,Kerala-673004(9846046903,9895407321,0495-4022480) Chandigarh: Sco 2423-2424,01st Floor,Sector 22-C,Chandigarh,Union Territory-160022(9876669990,9850088371,0172-5042279) Chandrapur: Rauts Raghuvanshi Complex ,”Shop No-1 , Office No-2, 1St Floor”,Beside Azad Garden Main Road, Chandrapur, Maharashthra-442402 (9730829616,9730829616,07172-270262,07172-277584) Chennai: “F-11, Akshaya Plaza, 1St Floor”,”108, Adhithanar Salai”,”Egmore, Opp To Chief Metropolitan Court”, Chennai, Tamil Nadu-,600002 (9444790825,8939033711,044-42028512,044-42028513) T Nagar, Chennai: G1, Ground Floor, No 22, Vijayaraghava Road, Swathi Court, T Nagar, Chennai - 600 017; Adayar, Chennai: New No 51, Gandhi Nagar, First Main Road, Adyar, Chennai - 600 020; Annanagar, Chennai: T 92, Ground Floor, 3rd Avenue Main Road, Annanagar, Chennai - 600 040; Chinsura :”J C Ghosh Saranu, Bhanga Gara, “Chinsurah, Hooghly”,-, Chinsurah,West Bengal-712101 (9804958032, 9831444407,033-26810164) Cochin: “Ali Arcade, 1St Floor,Kizhavana Road”, Panampilly Nagar,Near Atlantis Junction,Ernakualm, Kerala-682036(9037765276, 8089580977, 0484 3000232,0484 3000231) Coimbatore: “3rd Floor, Jaya Enclave”,1057 Avinashi Road,-,Coimbatore,Tamil Nadu-641018 (9841439400, 9894941715,0422 - 4388011,0422 - 4388013/0422 - 4388451/0422 - 4388012/0422 – 4388014) Cuttack: “Po - Buxi Bazar, Cuttack,”,Opp Dargha Bazar Police station,Dargha Bazar,Cuttack,Orissa,753001,9438547866,9437317841,0-9238102118) Darbhanga: “Jaya Complex,2nd Floor”,”Above Furniture Planet,Donar”,Chowk,Darbhanga,Bihar,846003, 9304001509,-,06272-220145 Davangere: “#15/9, 1st Floor, Sobagu Complex”,2nd Main Road (Avk College Road) P J Extension,-,Davangere,Karnataka-577002(9686246222,9880378880,0819-2258714) Dehradun:

Kaulagarh Road, Near Sirmaur Margabove,Reliance Webworld,Dehradun,Uttaranchal-248001 (9897208863,-,9369918608) Deoria: 1St Floor,1St Floor,”Opp. Zila Panchayat, Civil Lines”,Deoria,Uttar pradesh-274001(8052969750,-,7499496134) Dewas: 27 Rmo House,Station Road, Above Maa Chamunda Gaes Agency, Dewas, Madhya Pradesh-455001 (9425681359,9425681359,07272-426010,07272-426010) Dhanbad: 208 New Market 2Nd Floor, Bank More,-,Dhanbad,Jharkhand-826001,9334341459,9608989334,0326-6452027) Dharwad:

LIC NOMURA MF AMC AREA OFFICES - OFFICIAL POINT OF ACCEPTANCE

AHMEDABAD ‘Jeevan Sadan’, Opp Capital Commercial Centre, Asram Road, Ahmedabad-380006 (079 -26588301 / 65431989 /9375090006) BANGALORE - 4, Canara building, Opp. Cash Pahrmacy, 2nd floor, Residency Road, BANGALORE – 560 025 (080-22210180 / 22295598 / 9845280964) CHANDIGARH -SCO 20-30, Jeevan Prakash Building, Ground Floor, Sector 17-B CHANDIGARH. PIN CODE: 160017 (0172-4622030 / 9888111190) CHENNAI - 15, Anna Salai, Next to V G P Building, Chennai-600002 (044 - 28411984 / 28555883 /9940178266) DEHRADUN -

110-Tagore Villa,Chakrata Road, Dehradun- 248001 (0135-2650749 / 9412965570) DELHI -Jeevan Prakash, 25, K G Marg, New Delhi-110001(011 - 23359190/23314396/64663650/ 9811464244 ) ERNAKULAM-11th floor, Jeevan Prakash, LIC Divisional Office, M G Road,Ernakulam -(0484 – 2367643/9895036554 )- HUBLI - C/OLIC Branch Office No 1, Lamington Road, Beside HPO, Hubli-580020 (0836-4260523 /9880058223) HYDERABAD -House No.5-9-57,4th floor Jeevan Jyothi Bldg, Baseerbagh, Hyderabad-500029 (040 - 23244445 / 23210572 /8897656665 ) INDORE

- U V Business Centre, 1st floor, 9/1-A, Tukoganj, Indore-452001 (0731 – 2520262 /9584028359 ) JAIPUR- 327-A,3rd floor,anapati Plaza, M I Road, Jaipur-1 (0141 – 5112620 /7023953465 ) KANPUR- Jeevan Vikas, 16/98, M G Road Kanpur-208001 (0512 - 2360240 / 3244949/ 7275430214 ) KOLKATA- Hindustan Bldg, Gr floor, 4, Chittaranjan Avenue,Kolkata-700072(033 – 22129455 /9474424374 ) LUCKNOW-Jeevan Bhavan-2, 7th floor, Naval Kishore Road,Hazratganj, Lucknow-226001 (0522-2231186/4045203 / 9651534267 ) MADURAI-LIC Building, 2nd floor, No-3,West Market Street, Madurai-625001 (0452-2345700/ 9677025698 ) MUMBAI-Gr Floor,Industrial Assurance Building,Opp Churchgate Station, Churchgate, Mumbai (022 - 22885971 / 55719750 /9930718555) NAGPUR- Jeevan Seva Bldg,Mount Road,Sadar, Nagpur-440001 (0712-2542497/9422113800 ) NASIK-Shop No-02Ground floor, Rajeev Enclave,New Pandit Colony, Nashik-422002(0253 – 2579507/ 9922996155) PATNA- Gr Floor,Jeevan Jyothi, Exhibition Road, Patna-800001 (0612 -2501157/6452757/ 8252562400) PUNE-C/o LIC of India, 2nd floor,IT deptt, Jeevan Prakash, 6/7 Shivaji Nagar, University Road, Pune- 411005 (020-25537301/9325523480 ) RAIPUR-C-29/A, Sector 1,Beside City Center Mall, Devendra Nagar, Raipur-492001 (0771 - 2236780 /4051137/9937040031/ 9425535664) RAJKOT-Jeevan Prakash,LIC Office Building, Tagore Marg, Rajkot-360002 (0281-2461522 / 8690444022 ) RANCHI-2nd floor, Narsaria Tower, Opp. Lalpur P. S., Ranchi-834001(0651 - 2206372 / 8986771069).

Mutual Fund Investment Are Subject To Market Risks, Read All Scheme Related Document Carefully.

“G, 7&8 Banashankari Avenue”,”Opp Nttf,”,”P B Road,”,Dharwad,Karnat ka-580001(9060509013,-,0836-2744207,0836-2744208) Dhule: “Ground Floor Ideal Laundry, Lane No 4,”,”Khol Galli, Near Muthoot Finance,”,”Opp Bhavasar General Store,Dhule,Maharashthra-424001 (7709818911,02562-282823,02562-282823,02562-282823) Dindigul: “No : 9 Old No:4/B, New Agraharam,”,”Palani Road,”,-,Dindigul,Tamil Nadu,624001,86955 72383,-,0451- 6451043) Durgapur: ,MWAV-16 BENGAL AMBUJA,2ND FLOOR CITY CENTRE,16 DT BURDWAN,Durgapur,West Bengal-713216,9832176004,9800218548,0343-6512111) Eluru: “D.No:23B-5-93/1,Savithri Complex,Edaravari Street”,”Near Dr.Prabhavathi Hospital,R.R.Pet”,-,Eluru, Andhra Pradesh-534002 (9959152347,08812-227851,08812-227852/53/54) Erode: “No: 4, Veerappan Traders Complex,”,”KMY Salai, Sathy Road”,Opp. Erode Bus Stand, Erode, Tamil Nadu-638003(95005 48042,0424-4021212)Faridabad: “A-2B, Ist Floor”, Nehru Groundnit,Faridabad, Haryana-121001(9990711750,9310448851) Ferozpur: “The Mall Road, Chawla Bulding, Ist Floor, Opp. Centrail Jail, Near Hanuman Mandir, Ferozepur, Punjab-152002(7696769181,9814215464,01632-241814) Gandhidham: 204 2Nd Floor, Bhagwati Chamber, Kutchkala Road,Gandhidham,Gujarat-382007 (8980671295,02836 651296) Gandhinagar: Plot No - 945/2,Sector - 7/C,Opp Pathika, Gandhinagar, Gujarat-382007(079-23244955,079-23244955,079 232 44955) Gaya: 1St Floor Lal Bhawan,”Tower Chowk,”, Near Kiran Cinema,Gaya,Bihar-823001(9234644675,9852090691,0631-2220071) Ghaziabad: “1St Floorc-7,”,Lohia Nagar,-,Ghaziabad,Uttar Pradesh-201001 (9910556029,-,9310448804) Ghazipur: 2Nd Floor,Shubhra Hotel Complex, Mahaubagh, Ghazipur, Uttar Pradesh,233001, 9616123936,-,7499496131) Gonda: Shri Market,Sahabgunj,Station Road,Gonda,Uttar Pradesh-271001(9721198488,-,7499496127)Gorakhpur: Above V.I.P. Houseajdacent,A.D. Girls College, Bank Road, Gorakpur, Uttar Pradesh-273001( 9792940256, 9792940256, 9369918610) Gulbarga: Cts No 2913 1St Floor, “Asian Towers, Jagath Station Main Road”, Next To Adithya Hotel,Gulbarga,Karnataka-585105(9844148066,9972898664,0847-2310040) Guntur:

“D No 6-10-27, Srinilayam”, Arundelpet, 10/1,Guntur, Andhra Pradesh-522002(9985932781,9885427877,0863-2339094) Gurgaon: “Shop No.18, Ground Floor, Sector - 14”,Opp. Akd Tower,Near Huda Office,Gurgaon,Haryana-122001(9210484530,-,9310448806) Guwahati: 54 Sagarika Bhawan 2Nd Floor,”R G Barooah Road, Aidc”, Near Baskin Robbins,Guwahati,Assam-781024(9706058003,-,8811036746) Gwalior: “2nd Floor, Rajeev Plaza,”,”Jayendra Ganj, Lashkar”,-,Gwalior, Madhya Pradesh-474009 (9754515909, 9300004262) Haldwani: Above Kapilaz, Sweet House, “Opp LIC Building ,Pilikothi”,Haldwani,Uttaranchal-263139(9012475475,-,9369918611) Haridwar: “8, Govind Puri, Opp. LIC - 2”,Above Vijay Bank,”Main Road, Ranipur More”,Haridwar,Uttaranchal-249401(9412926693,-,9369918612) Hassan: St Anthony’S Complex, Ground Floor, H.N. Pura Road, Hassan , Karnataka-573201(9743929779,-,08172 262065) Hissar: “Sco-71, 1St Floor”,Red Square Market,-,Hissar,Haryana,125001,9991887653,-,9315017303, Hoshiarpur: “1St Floor, The Mall Tower “,Opp Kapila Hospital, Sutheri Road, Hoshiarpur, Punjab-146001(9478353322,9569690721,01882-500143) Hubli: “22nd & 23rd, 3Rd Floor “, Eureka Junction,Travellers Bunglow , Hubli, Karnataka- 580029 (9916119294, 9845394004, 0836-2252444) Hyderabad: “8-2-596, Avenue 4, Karvy Plaza”,Street No 1, Banjara Hills,Hyderabad, Andhra Pradesh-500034 (9885608800,040-44677075/ 44677076/44677077/44677348) Indore:

“2nd floor, 203-205 Balaji Corporates”,”Above ICICI bank, 19/1 New Palasia”, ”NearCurewell Hospital, Janjeerwala Square Indore”,Indore,Madhya Pradesh-452001(9977713382,9977713382, 0731-4266828, 0731-4218902) Jabalpur: Grover Chamber, 43 Naya Bazar Malviya Chowk,Opp Shyam Market,Jabalpur,Madhya Pradesh-482002,9827576885,9303580103,0761-3204376) Jaipur: S16/A IIIrd Floor,Land Mark Building Opp Jai Club,Mahaver Marg C Scheme, Jaipur, Rajasthan-302001(9829122154,9509556136/9636804612,0141-4167714,0141 - 4167715/17) Jalandhar: Arora Prime Tower, Lowe Ground Floor, Office No 3 Plot No 28, Jalandhar, Punjab- 144001 (9780951080,9988077368,0181-5094410) Jalgaon: 113, Navi Peth, B/H Mahalaxmi Dairy, Jalgaon, Maharashthra-425001(9421521406,7875803473,0257-2226761) Jalpaiguri: D B C Road Opp Nirala Hotel, Opp Nirala Hotel, Jalpaiguri, West Bengal-735101 (9832485813,9832421761,03561-222136) Jammu: 5 A/D Extension 2,Near Panama Chowk Petrol Pump, Panama Chowk,Jammu, Jammu & Kashmir-180012 (9796406060,9018335968,0191-2458820,01912458818) Jamnagar: 136-137-138 Madhav Palaza, Opp Sbi Bank, Nr Lal Bunglow, Jamnagar, Gujarat-361001(9725444799,0288-2558887) Jamshedpur : ”2nd Floor, R R SQUARE”, ”SB SHOP AREA, NEAR RELIANCE FOOT PRINT & HOTEL- BS PARKPLAZA”,”MAIN ROAD, ”, Jamshedpur, Jharkhand-831001 (9798544088,9934314986,0657-6655000,0657-6655003/6655004/6655005/-6655006/6655007) Jaunpur: “R N Complex, 1-1-9-G”,In Front Of Pathak Honda, Ummarpur, Jaunpur, Uttar Pradesh, 222002, 9793391873, 9369918613) Jhansi :

371/01,” Narayan Plaza,Gwalior Road”, Near Jeevan Shah Chauraha, Jhansi,Uttar Pradesh-284001, 9651362328,-, 9369918614) Jodhpur: “203, Modi Arcade”, Chopasni Road, Jodhpur, Rajasthan-342001 (8003738266, 9251269552, 0291-6454590) Junagadh: 124-125 Punit Shopping Center, M.G Road, Ranavav Chowk, Junagadh, Gujarat-362001,9824686601, 0285-2652220, 0285-2652220) Kannur: “2 Nd Floor, Prabhath Complex”, Fort Road, Nr. Icici Bank, Kannur, Kerala-670001 (9895462756, 9744856894, 0497-2764190) Kanpur : “15/46, B, Ground Floor”,Opp : Muir Mills,Civil Lines,Kanpur, Uttar Pradesh-208001 (9839122381,9305443189/9336521104,9369918615/6,) Karaikudi: “No. 2,Gopi Arcade”,”100 Feet Road,”,-,Karaikudi, Tamil Nadu-630001, 99422 08943,-, 04565-237192) Karimnagar: “H.No.4-2-130/131, Above Union Bank”,”Jafri Road, “,Rajeev Chowk, Karimnagar, Andhra Pradesh-505001 (9849963242,-,0878-2261779, 0878-2244773/ 75 / 79) Karnal: “18/369, Char Chaman”, Kunjpura Road, Behind Miglani Hospital, Karnal, Haryana-132001(9813607105,9068784639; 8396852122, 0184-2252524) Karur: “No.6, old No.1304”, ”Thiru-vi-ka Road,”, ”Near G.R.Kalyan Mahal,”,Karur,Tamil Nadu-639001,04324-241755) Kharagpur: “180 Malancha Road,”,-,”Beside Axis Bank Ltd,”,Kharagpur,West Bengal-721304(9679755405,8945613150,03222-253380) Kolhapur: “605/1/4 E Ward, Shahupuri 2Nd Lane”,Laxmi Niwas,Near Sultane Chambers, Kolhapur,Maharashthra-416001(9960549938,9423596399,0231 2653656) Kolkata: 166 A Rashbihari Avenue 2nd Floor,-,Opp- Fortish Hospital,Kolkata,West Bengal-700029(9007005094,9007005092,”033-40611135/ 36; 033-24659263/9267, 24635432, 24669450, 24196462) Kollam: Sree Vigneswara Bhavan,Shastri Junction,Kadapakada,Kollam,Kerala-691001(9744791380,9567614617,0474-2747055) Korba: “1st Floor, City Centre”,97 IRCC, “Transport Nagar, Korba, Chatisgarh-495677 (8878213577,9300155683) Kota: “29,Ist Floor”, Near Lala Lajpat Rai Circle, Shopping Centre, Kota, Rajasthan-324007 (9887159177, 7737345592, 0744-5100964, 0744-5100964) Kottayam: 1St Floor Csiascension Square,Railway Station Road, Collectorate P O, Kottayam,Kerala-686002(9744250107,,0481-2300868) Kurnool: “Shop No.43, 1St Floor, S V Complex”,Railway Station Road, Near Sbi Main Branch,Kurnool,Andhra Pradesh-518004 (9000068556, 9704058506, 08158-228550) Lucknow: 24, Prem Nagar, Ashok Marg,Lucknow, Uttar Pradesh-226001 (8604398488,9792350554,9369918600) Ludhiana: Sco - 136 ,1St Floor Above Airtel Showroom ,Feroze Gandhi Market ,Ludhiana,Punjab-141001(9888880614,7355273067,0161-4648747) Madurai: “Rakesh towers, 30-C, Ist floor,”, ”Bye pass Road,”, ”Opp Nagappa motors,”,Madurai, Tamil Nadu-625010, 9047081666, 9894341505, 0452-2605856) Malappuram: “First Floor,Cholakkal Building”, Near U P School,Up Hil,Malappuram,Kerala-676505, 9746378606,, 0483-2731480) Malda: “Sahis Tuli, Under Ward No.6,”,”No.1 Govt Colony,”,”English Bazar Municipality, Malda, West Bengal-732101 (9232766405, 9733063825, 03512-223763) Mandi: 149/11 ,School Bazaar ,-,Mandi ,Uttar Pradesh-175001(9459938186,-,9318873501) Mangalore: Mahendra Arcade Opp Court Road,Karangal Padi, Mangalore,Karnataka-575003(9731154145,7760874571,0824-2496289) Margoa: 2Nd Floor ,Dalal Commercial Complex,Pajifond,Margao ,Goa-403601(9011285712,-,0832-2731823) Mathura: “Ambey Crown, Iind Floor”,In Front Of Bsa College,”Gaushala Road, “,Mathura, Uttar Pradesh-281001(8923228412,-,9369918618) Meerut: 1St Floor,Medi Centreopp Icici Bank,Hapur Road Near Bachha Park,Meerut,Uttar Pradesh-250002(9760485123,-,9369918619) Mehsana: Ul/47 Apollo Enclave,Opp Simandhar Temple,Modhera Cross Road,Mehsana,Gujarat-384002, 9824902519,-,02762-242950) Mirzapur: Above HDFC Bank,”Dankeenganj,”,UP,Mirzapur,Uttar Pradesh-231001,9305132535,-,7499496133) Moga: “1St Floor,Dutt Road”,Mandir Wali Gali,”Civil Lines, Barat Ghar “,Moga,Punjab-142001(9780756983,9478108905,01636-230792) Moradabad: Om Arcade, Parker Road, “Above Syndicate Bank, Chowk Tari Khana”, Moradabad, Uttar Pradesh-244001(9027346471,9027443364/9058791115,9369918620) Morena: Moti Palace,Near Ramjanki Mandir, Near Ramjanki Mandir, Morena, Madhya Pradesh-476001 (9981384447, 7489361265) Mumbai: “24/B, Raja Bahadur Compound”,”Ambalal Doshi Marg,”,Behind Bse Bldg, Fort, Maharashthra-400001 ,-,9004089492,022-66235353,022-66235333); Andheri : 6 & 7, Andheri Industrial Estate,Veera Desai Road, Andheri (west) , Mumbai-400 053; Borivali: Ground Floor, Himanshu Bldg,Sodawala Cross Lane, Chandawarkar Road,Borivali, Mumbai-400 091; Chembur: Shop No 4 , Ground Floor, Shram Saflya Bldg.N G Acharya Marg,Chembur, Mumbai-400 071; Muzaffarpur: 1 St Floor,Uma Market, Thana Gumtimoti Jheel, Muzaffarpur,Bihar-842001(9693584015,-,9386256101) Mysore: “L-350, Silver Tower,”,Ashoka Road, Opp.Clock Tower, Mysore, Karnataka-570001(9902919671,9964123030,0821-2438006) Nadiad:

104/105,Near Paras Cinema,City Point Nadiad,Nadiad,Gujarat-387001 (9898635495,0268-2563245) Nagerkoil: 3A, South Car Street,Parsans Complex,Nagercoil,Tamil Nadu-629001(04652 - 233552) Nagpur: Plot No 2/1 House No 102/1,Mata Mandir Road,”Mangaldeep Appartment Opp Khandelwal Jewelers, Dharampeth”, Nagpur, Maharashthra-440010 (9764719485,9371160726,0712-2533040, 0712-2533040) Namakkal: “105/2, Arun Towers,”,Paramathi Street,-,Namakkal,Tamil Nadu,637001,88836 92376,-,04286- 234801) Nanded: Shop No.4 ,”Santakripa Market, G G Road”, Opp. Bank Of India, Nanded, Maharashthra-431601 (8793560595, 9890713616, 02462-237885) Nasik: “F-1, Suyojit Sankul”, Sharanpur Road,-, Nasik, Maharashthra-422002,8237756668,9890918183,0253-6611395) Navsari: 1/1 Chinmay Aracade,Opp Sattapir Rd,Tower Rd, Navsari, Gujarat-396445(9429532985,,02637-280367,02637-280367) Nellore:

“16-2-230 , Room No : 27 , 2Nd Floor”,Keizen Heights,”Gandhi Nagar , Pogathota”,Nellore,Andhra Pradesh,524001, 9948352011,-,0861-2349940)New Delhi: 305 New Delhi House ,27 Barakhamba Road ,-,New Delhi ,New Delhi -110001,9910053511,9910887035,011-43681700,011-43681704) Nizamabad: H No:5-6-430,A Bove Bank Of Baroda First Floor,”Beside HDFC Bank, Hyderabad Road”, Nizamabad, Andhra Pradesh-503003,9951888991,-,08462-224366) Noida: “307 Jaipuria Plazad 68 A, 2Nd Floor”,Opp Delhi Public School,Sector 26,Noida,Uttar Pradesh-201301,9873448325,-,9310448805) Palghat: No: 20 & 21 ,Metro Complex H.P.O.Road Palakkad, H.P.O. Road, Palakkad, Kerala-678001 (9895968533, 9037411783,491 6061110) Panipat:

“1St Floor,”,Krishna Tower,”Above Amertex,G.T. Road, Panipat,Haryana-132103(8570019906,-,9315017304) Panjim: “City Business Centre,”,Coelho Pereira Building,”Room No 18,19 & 20,Dada




Vaidya Road, “,Panjim,Goa-403001 (9923261177,7798300457,0832-2426873,0832-2426874)Pathankot: “1St Floor, 9 A “,Improvement Trust Building ,Patel Chowk ,Pathankot,Punjab-145001,9646034222,9988164770,0186-5080188) Patiala: Sco 27 D ,Chotti Baradari , Near Car Bazaar,Patiala,Punjab-147001(9872262284,9041837150,0175-5004349) Patna: “3A, 3Rd Floor Anand Tower”,Exhibition Road,Opp ICICI Bank, Patna,Bihar-800001 (7781023134,9708108821,0612-6453098, 7781023134) Pollachi: “146/4,Ramanathan Building “,1st Floor New Scheme Road ,-,Pollachi,Tamil Nadu-642002(99521 72658,-,04259- 235111,”235122, 235133)Pondicherry: No:7,”Thiayagaraja Street,”,-,Pondicherry,Pondicherry -605001(0413 2220640)Proddatur: “Shop No:4, Araveti Complex”,Mydukur Road,Beside Syndicate Bank, Proddatur, Andhra Pradesh-516360(9966717997,08564 - 242898)Pudukottai: “Sundaram Masilamani Towers, Ts No. 5476 - 5479, Pm Road,”,Old Tirumayam Salai,”Near Anna Statue, Jublie Arts,”,Pudukottai,Tamil Nadu-622001(9865974743,04322 - 220050)Pune: “Office # 16, Ground Floor “,Shrinath Plaza,Near Dyaneshwar Paduka Chowk ,”F C Road, Pune”,Maharashthra-411005 (9833067872, 9975494895, 020-25533795, 020-25539957) Raipur: “Shop No. 31 , Third Floor,”,”Millenium Plaza, Above Indian House,”,”Behind Indian Coffee House,”,Raipur,Chatisgarh-492001 (9406065221, 8305209298,0771-4052620) Rajahmundry: “D.No.6-1-4, Rangachary Street,”,T.Nagar, Near Axis Bank Street,Rajahmundry, Andhra Pradesh-533101(9642572477,7207287911, 0883-2434468,0883-2434470) Rajapalayam: “Sri Ganapathy Complex, 14B/5/18,”,”T P Mills Road,”,Virudhungar Dist, Rajapalayam,Tamil Nadu-626117(9944908694,04563 - 232952)Rajkot: “104, Siddhi Vinyak Com. Opp Ramkrishna Ashram”,Dr Yagnik Road, Rajkot, Rajkot, Gujarat-360001(7359916635,9925619731,2816545888) Ranchi: Room No 3073RdFloor,CommerceTower,Beside Mahabir Tower, Ranchi, Jharkhand-834001 (9431371731,9835977889,0651-2331320) Ratlam: “1 Nagpal Bhawan , Free Ganj Road “,Do Batti ,Near Nokia Care ,Ratlam,Madhya Pradesh-457001(9770285511,9303967657,07412-402007)Renukoot: Shop No. 18,Near Complex Birla Market,-,Renukoot,Uttar Pradesh-231217(8948816968,-,7499495854) Rewa: “Ist Floor, Angoori Building”,Besides Allahabad Bank,”Trans University Road, Civil Lines”,Rewa, Madhya Pradesh-485001(8818851641,-,7489755878) Rohtak: 1St Floor,Ashoka Plaza,Delhi Road,Rohtak,Haryana-124001(8950414951,-,9315017305) Roorkee: “Shree Ashadeep Complex, 16”,Civil Lines,Near Income Tax Office,Roorkee,Uttaranchal-247667(9927416205,-,9369918621)Rourkela: “1St Floor Sandhu Complex,”,”Kachery Road, Uditnagar”, Rourekla, Orissa-769012(9776284625,9861120354,0661-2500005) Sagar: Above Poshak Garments,5 Civil Lines,Infront Of Income Tax Office,Sagar,Madhya Pradesh-470002 (9826674321,9752879556,07582-402404) Saharanpur: 18 Mission Market,Court Road,-,Saharanpur,Uttar Pradesh-247001(9634590304,-,9369918622)Salem: No:40,Brindavan Road,”Fairlands, Near Perumal Koil,”,Salem,Tamil Nadu-636016,(95240 70720,0427-4020300) Sambalpur: Ground Floor Quality Massion, Infront of bazaar kolkata, Nayapara, Sambalpur, Orissa-768001(9861785131,9861114141,0663-2522105); Secunderabad: 1st Floor, Thirumala Complex, Paradise Circle, S.D Road, Opp. Hotel Kamat, Secunderabad - 500 003; Satna: “1St Floor, Gopal Complex”, Near Bus Stand,Rewa Road,Satna, Madhya Pradesh-485001( 9329965570,9300004263) Shaktinagar: “1St/A-375,”, V V Colony,Dist Sonebhadra,Shaktinagar,Uttar Pradesh-231222(7890355728,-,7499496129) Shillong: Annex

Mani Bhawan ,Lower Thana Road ,Near R K M Lp School, Shillong, Meghalaya-793001 (9774226437,-,0364 2506106) Shimla : Triveni Building,By Pas Chowkkhallini,-,Shimla,Himachal Pradesh-171002(9805375551,-,9318644501) Shimoga: Sri Matra Naika Complex,”1St Floor, Above Shimoga Diagnostic Centre,”,”Llr Road, Durgigudi,”, Shimoga, Karnataka-577201 (9741308883, 9448681710, 08182-228799, 08182-227485) Shivpuri: 1St Floor, ”M.P.R.P. Building, Near Bank Of India, Shivpuri, Madhya Pradesh-473551 (9407562999,-, 9303028921) Sikar: “First Floor, Super Tower “,Behind Ram Mandir Near Taparya Bagichi ,Sikar, Rajasthan-332001 (9549776841, 01572-250398) Silchar: “N.N. Dutta Road,Chowchakra Complex, Premtala, Silchar, Assam-788001(9435173219,9678901126,03842 261714) Siliguri: Nanak Complex,Sevoke Road,-, Siliguri, West Bengal-734001 (9832521945, 9832510008, 0353-2526393) Sitapur: 12/12-A Sura

Complex,Arya Nagar Opp,Mal Godam,Sitapur,Uttar Pradesh-261001(9598369111,9369918623) Sivakasi: 363,Thiruthangal Road,Opp: TNEB,Sivakasi,Tamil Nadu-626123,80562 14131,-,04562 228816) Solan: Sahni Bhawan,Adjacent Anand Cinema Complex,The Mall,Solan,Himachal Pradesh-173212(9817248190,-,9318991871) Solapur: Block No 06,”Vaman Nagar, Opp D-Mart”,Jule Solapur,Solapur,Maharashthra-413004(9960646865,0217-2300021,0217-2300318)Sonepat: 205 R Model Town,Above Central Bank Of India,-,Sonepat,Haryana-131001 (9813821843,-, 9315457164) Sri Ganganagar: 35E Block, Opp: Sheetla Mata Vaateka Sri Ganganagar,-, Sri Ganganagar,Rajasthan-335001(9602969753,9462400664,0154-2470177) Srikakulam: D.No-4-1-28/1,Venkateswara Colony,Near Income Tax Office, Srikakulam,Andhra Pradesh-532001(9885590552,9248009412,08942-225382, 08942-225362) Sultanpur: Rama Shankar Complex,Civil Lines,Faizabad Road, Sultanpur, Uttar Pradesh-228001 (9580614908,-,9369918624) Surat: G-5 Empire State Buliding,Nr Udhna Darwaja, Ring Road, Surat,Gujarat-395002(9687697224,9978442596,0261-3042170,0261-3042170)Thanjavur: “No. 70, Nalliah Complex”,”Srinivasam Pillai Road,Tanjore,Tamil Nadu-613001,98945 33238,-,04362-275415)Thodupuzha: “First Floor, Pulimoottil Pioneer”,Pala Road,-,Thodupuzha,Kerala-685584,0486-2211209,04862 - 325051)Tirunelveli: “55/18, Jeney Building”,S N Road,Near Aravind Eye Hospital,Tirunelveli,Tamil Nadu-627001(9788845514,-,0462 2335137)Tirupathi: “D no: 203, II nd Floor,”,PADMAVATHI NILAYAM ,”NOKIA CARE UPSTAIRS,Tilak Road “,Tirupathi,Andhra Pradesh-517501(9885995544,9032957583,0877-6544567)Tirupur: “First floor, 244 A”,Kamaraj Road,Opp to Cotton market complex,Tirupur,Tamil Nadu-641604,0421-2214221)Tiruvalla: “2Nd Floor,Erinjery Complex”,Ramanchira,Opp Axis Bank,Thiruvalla,Kerala-689107(9747529499,0469-3205676)Trichur: “2nd Floor,Brothers Complex”,”Naikkanal Junction,Shornur Road”,Near Dhanalakshmi Bank H O,Thrissur,Kerala-680001(8606877204,9747982535,0487-3246231)Trichy: “60, Sri Krishna Arcade”,”Thennur High Road,”,-,Trichy,Tamil Nadu-620017(9597055087,0431-4020227) Trivandrum: 2Nd Floor,Akshaya Tower,Sasthamangalam,Trivandrum,Kerala-695010(9995820575,9567607573,0471-2725728) Tuticorin: “4 - B, A34 - A37,”,”Mangalmal Mani Nagar,”,”Opp. Rajaji Park, Palayamkottai Road,”,Tuticorin, Tamil Nadu-628003 (0461-2334603) Udaipur: 201-202,Madhav Chambers,”Opp G P O , Chetak Circle “,Udaipur,Rajasthan-313001(9636506469, 9001830400, 0294-2429370) Ujjain: 101 Aashta Tower,13/1 Dhanwantri Marg,Freeganj,Ujjain,Madhya Pradesh-456010 (9302373625, 9039507556,0734-4250007,0734-4250008)Valsad: “Shop No 2 , Phiroza Corner”,Opp Next Show Room,Tithal Road,Valsad,Gujarat-396001(9879166808,9725539945,02632-258481) Vapi: “Shop No-12, Ground Floor”,Sheetal Appatment, Near K P Tower,Vapi,Gujarat-396195(9228012909,9978877183,9228012909) Varanasi: D-64/1321St Floor, Anant Complex, Sigra, Varanashi, Uttar Pradesh-221010(9389938800,9807228126,9369918626) Vellore: “1, M N R Arcade”,Officers Line, Krishna Nagar,Vellore,Tamil Nadu-632001(9952389697,0416 2215007) Vijayanagaram:

“Soubhagya, 19-6-1/3”,”2Nd Floor, Near Fort Branch”,Opp: Three Temples, Vizianagaram,Andhra Pradesh-535002(9014392427,9014392427,08922-236962)Vijayawada: 39-10-7,Opp : Municipal Water Tank,Labbipet,Vijayawada,Andhra Pradesh-520010(0866-2475126) Visakhapatnam: Door No: 48-8-7,”Dwaraka Diamond, Ground Floor”,Srinagar, Visakhapatnam, Andhra P adesh-530016(9000088322,0891-2714125) Warangal: “5-6-95, 1 St Floor”,”Opp: B.Ed Collage, Lashkar Bazar”,”Chandra Complex, Hanmakonda,”, Warangal, Andhra Pradesh-506001 (0870-2501664) Yamuna Nagar: Jagdhari Road,Above Uco Bank,Near D.A.V. Girls College, Yamuna Nagar, Haryana-135001(9813627107,9315017306)
