Reliance Gold Exchange Traded Fund (An Open ended Gold Exchange Traded Fund Scheme)

Scheme Information Document

The particulars of the Scheme have been prepared in accordance with the

Securities and Exchange Board of India (Mutual Funds) Regulations 1996,

(herein after referred to as SEBI (MF) Regulations) as amended till date, and

filed with SEBI, along with a Due Diligence Certificate from the AMC. The units

being offered for public subscription have not been approved or recommended by

SEBI nor has SEBI certified the accuracy or adequacy of the Scheme Information

Document.

The Scheme Information Document sets forth concisely the information about

the scheme that a prospective investor ought to know before investing. Before

investing, investors should also ascertain about any further changes to this Scheme

Information Document after the date of this Document from the Mutual Fund /

Investor Service Centres /Website / Distributors or Brokers.

The investors are advised to refer to the Statement of Additional Information

(SAI) for details of Reliance Mutual Fund, Tax and Legal issues and general

information on www.reliancemutual.com

SAI is incorporated by reference (is legally a part of the Scheme Information

Document). For a free copy of the current SAI, please contact your nearest

Investor Service Centre or log on to our website wwwreliancemutual.com.

The Scheme Information Document should be read in conjunction with the SAI

and not in isolation.

This Scheme Information Document is dated September 27, 2011.

NAME OF MUTUAL FUND

Reliance Mutual Fund 11th floor & 12th floor, One Indiabulls Centre, Tower 1 Jupiter Mills Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai - 400 013 Tel No. - 022-30994600 Fax No. - 022-30994699

NAME OF SPONSOR COMPANY

Reliance Capital LimitedRegistered Office: H Block, 1st Floor, Dhirubhai Ambani Knowledge City, Koparkhairne, Navi Mumbai - 400 710.Tel. 022 - 30327000, Fax. 022 - 30327202Website : www.reliancecapital.co.in

NAME OF ASSET MANAGEMENT COMPANY

Reliance Capital Asset Management Limited Corporate Office: 11th floor & 12th floor, One Indiabulls Centre, Tower 1 Jupiter Mills Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai - 400 013 Tel No. - 022-30994600 Fax No. - 022-30994699

NAME OF TRUSTEE COMPANY

Reliance Capital Trustee Co. LimitedCorporate Office: 11th floor & 12th floor, One Indiabulls Centre, Tower 1 Jupiter Mills Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai - 400 013 Tel No. - 022-30994600 Fax No. - 022-30994699

Continuous offer of the Units for cash at NAV based prices(subject to applicable load)

TABLE oF CoNTENTS

HIGHLIGHTS/SUMMARY oF THE SCHEME ...........................................................................................................................................1

I. INTRoDUCTIoN ..........................................................................................................................................................................2

A. RISK FACTORS .......................................................................................................................................................................................................5

B. REQUIREMENT OF MINIMUM INVESTORS IN THE SCHEME ..........................................................................................................................5

C. SPECIAL CONSIDERATIONS .............................................................................................................................................................................. 10

D. DEFINITIONS & ABBREVIATIONS ..................................................................................................................................................................... 10

E. DUE DILIGENCE BY THE ASSET MANAGEMENT COMPANY ......................................................................................................................... 13

II. INFoRMATIoN ABoUT THE SCHEME –.........................................................................................................................................13

Reliance Gold Exchange Traded Fund ...........................................................................................................................................13

A. TYPE OF THE SCHEME ...................................................................................................................................................................................... 13

B. WHAT IS THE INVESTMENT OBJECTIVE OF THE SCHEME? .......................................................................................................................... 13

C. HOW WILL THE SCHEME ALLOCATE ITS ASSETS? ........................................................................................................................................ 13

D. WHERE WILL THE SCHEME INVEST? .............................................................................................................................................................. 13

E. WHAT ARE THE INVESTMENT STRATEGIES? .................................................................................................................................................. 13

F. FUNDAMENTAL ATTRIBUTES ............................................................................................................................................................................ 16

G. HOW WILL THE SCHEME BENCHMARK ITS PERFORMANCE? .................................................................................................................... 17

H. WHO MANAGES THE SCHEME? ...................................................................................................................................................................... 17

I. WHAT ARE THE INVESTMENT RESTRICTIONS? ............................................................................................................................................. 17

J. HOW HAS THE SCHEME PERFORMED? ......................................................................................................................................................... 19

III. UNITS AND oFFER .....................................................................................................................................................................21

A. NEW FUND OFFER (NFO) ................................................................................................................................................................................. 21

B. ONGOING OFFER DETAILS ................................................................................................................................................................................ 23

C. PERIODIC DISCLOSURES ................................................................................................................................................................................... 31

D. COMPUTATION OF NAV .................................................................................................................................................................................... 33

IV. FEES AND EXPENSES .................................................................................................................................................................34

A. NEW FUND OFFER (NFO) EXPENSES ............................................................................................................................................................. 34

B. ANNUAL SCHEME RECURRING EXPENSES .................................................................................................................................................... 34

C. LOAD STRUCTURE.............................................................................................................................................................................................. 34

D WAIVER OF LOAD FOR DIRECT APPLICATIONS ............................................................................................................................................. 34

V. RIGHTS oF UNITHoLDERS .........................................................................................................................................................35

VI. PENALTIES, PENDING LITIGATIoN oR PRoCEEDINGS, FINDINGS oF INSPECTIoNS oR INVESTIGATIoNS FoR WHICH ACTIoN MAY HAVE BEEN TAKEN oR IS IN THE PRoCESS oF BEING TAKEN BY ANY REGULAToRY AUTHoRITY ..........................................35

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HIGHLIGHTS/SUMMARY OF THE SCHEME

1. InvESTMEnT ObjECTIvE

The investment objective is to seek to provide returns that closely correspond to returns provided by price of gold through investment in physical Gold (and Gold related securities as permitted by Regulators from time to time). However, the performance of the scheme may differ from that of the domestic prices of Gold due to expenses and or other related factors.

However, there can be no assurance that the investment objective of the scheme will be achieved.

2. LIqUIdITY

All investors may sell their units in the stock exchange(s) on which these units are listed on all the trading days of the stock exchange. Alternatively Authorised Participant can directly buy /sell in blocks from the fund in ‘Creation Unit’ Size.

3. bEnCHMARk

As there are no indices catering to the gold sector/securities linked to Gold, currently Reliance Gold Exchange Traded Fund (RGETF) shall be benchmarked against the price of Gold.

Purity of Gold: All gold bullion held in the scheme’s allocated account with the custodian shall be of fineness (or purity) of 995 parts per 1000 (99.5%) or higher.

4. TRAnSpAREnCY/nAv dISCLOSURE

a) The NAV will be calculated and disclosed at the close of every working day which shall be published in at least two daily newspapers and also uploaded on the AMFI website and Reliance Mutual Fund website i.e. www.reliancemutual.com.

b) If the NAVs are not available before commencement of business hours on the following day due to any reason, the Fund shall issue a press release providing reasons and explaining when the Fund would be able to publish the NAVs.

c) The information on NAV may be obtained by the Unitholders on any day from the office of the AMC / the office of the Registrar in Hyderabad or any of the other Designated Investor Service Centres.

d) Investor may also call our customer service centre at 3030 1111 (24 X 7), callers outside India, please dial 91-22-30301111 or Toll Free 1800 300 11111.

e) Publication of Abridged Half-yearly Unaudited Financial Results in the newspapers or as may be prescribed under the Regulations from time to time.

f) Communication of Portfolio on a half-yearly basis to the Unit holders directly or through the Publications or as may be prescribed under the Regulations from time to time.

g) Despatch of the Annual Reports of the respective Schemes within the stipulated period as required under the Regulations.

5. LOAdS

Entry & Exit Load: Not Applicable

There will be no entry/exit load on RGETF bought or sold through the secondary market on the NSE. However, an investor would be paying cost in the form of a bid and ask spread and brokerage, as charged by his broker for buying / selling RGETF.

As per the Regulations, the redemption price shall not be lower than 93% of NAV and the purchase price shall not be higher than 107% of the NAV and the difference between the redemption price and purchase price shall not exceed 7% of the purchase price.

In case, there are no quotes on the NSE for five trading days consecutively, an investor can sell directly to the fund with an exit load of 5% of NAV. The payout of such redemptions will be on the respective pay-out day.

6. MInIMUM AppLICATIOn AMOUnT

Purchases directly from the Mutual Fund would be restricted to Authorised Participants provided the value of units to be purchased is in creation unit size.

7. CHOICE OF InvESTMEnT pLAnS

Dividend Payout Option only

8. REpATRIATIOn

Full Repatriation benefits would be available to NRIs, PIOs and FIIs, subject to applicable conditions/regulations notified by Reserve Bank of India from time to time

9. LISTInG

The units of RGETF is listed on the Capital Market Segment of the National Stock Exchange of India (NSE). The trading will be as per the normal settlement cycle.

The minimum number of units that can be bought or sold through the stock exchange is 1 (one) unit.

The AMC reserves the right to list the units of the Scheme on any other recognized stock exchange.

10. The advantages of RGETF over direct investment in gold :

1. Investors who want a cost effective and convenient way to invest in gold can get instantaneous exposure to a physical asset viz gold.

2. RGETF units can be traded like a share and therefore it provides the ability to buy and sell them quickly at the ruling market price unlike gold that can be sold only for a discount and by a cumbersome process.

3. The expenses incurred in buying and selling units and the schemes ongoing expenses will be less than the costs associated with buying and selling of gold and storing and insuring gold bullion in a traditional gold bullion market.

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4. Minimum investment in ETF in secondary markets is one unit representing approximately one gram of gold in the beginning and the weight of gold representing 1 unit keeps reducing to the extent of expenses.

5. Helps investors to diversify across asset classes.

6. Investor’s get an opportunity to access to Gold Bars conforming to LBMA Good Delivery status, in a cost effective manner.

RGETF is listed on NSE and/or may be listed on any other stock exchange(s) as may be decided by the Reliance Capital Asset Management Ltd. in the form of Gold Exchange Traded Fund tracking the prices of Gold bullion.

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I - InTROdUCTIOnA. RISk FACTORS

1. STAndARd RISk FACTORS

a) Mutual Funds and securities investments are subject to market risks such as trading volumes, settlement risk, liquidity risk and default risk including the possible loss of principal and there is no assurance or guarantee that the objectives of the Scheme will be achieved.

b) As the price / value / interest rates of the securities in which the scheme invests fluctuates, the value of your investment in the scheme may go up or down

c) Past performance of the Sponsor/AMC/Mutual Fund does not guarantee future performance of the scheme.

d) Reliance Gold Exchange Traded Fund is only the name of the Scheme and does not in any manner indicate either the quality of the scheme or its future prospects and returns.

e) The Sponsor is not responsible or liable for any loss resulting from the operation of the Scheme beyond their initial contribution of Rs.1 lakh made by it towards the setting up of the Mutual Fund and such other accretions and additions to the corpus.

f) The present scheme is not a guaranteed or assured return scheme. The Mutual Fund is not guaranteeing or assuring any dividend/ bonus. The Mutual Fund is also not assuring that it will make periodical dividend/bonus distributions, though it has every intention of doing so. All dividend/bonus distributions are subject to the availability of distributable surplus of the Scheme.

2. SCHEME SpECIFIC RISk FACTORS

• Risks associated with investing in bonds

Investment in Debt is subject to price, credit, and interest rate risk.

The NAV of the Scheme may be affected, inter alia, by changes in the market conditions, interest rates, trading volumes, settlement periods and transfer procedures.

Investing in Bonds and Fixed Income securities are subject to the risk of an Issuer’s inability to meet principal and interest payments obligation (credit risk) and may also be subject to price volatility due to such factors as interest rate sensitivity, market perception of the creditworthiness of the issuer and general market liquidity (market risk).

The timing of transactions in debt obligations, which will often depend on the timing of the Purchases and Redemptions in the Scheme, may result in capital appreciation or depreciation because the value of debt obligations generally varies inversely with the prevailing interest rates.

Interest Rate Risk

As with all debt securities, changes in interest rates will affect the Scheme’s Net Asset Value as the prices of securities generally increase as interest rates decline and generally decrease as interest rates rise. Prices of longer-term securities generally fluctuate more in response to interest rate changes than do shorter-term securities. Interest rate movements in the Indian debt markets can be volatile leading to the possibility of large price movements up or down in debt and money market securities and thereby to possibly large movements in the NAV.

Liquidity or Marketability Risk

This refers to the ease at which a security can be sold at or near its true value. The primary measure of liquidity risk is the spread between the bid price and the offer price quoted by a dealer. Liquidity risk is characteristic of the Indian fixed income market.

Credit Risk

Credit risk or default risk refers to the risk which may arise due to default on the part of the issuer of the fixed income security (i.e. will be unable to make timely principal and interest payments on the security). Because of this risk debentures are sold at a yield spread above those offered on Treasury securities, which are sovereign obligations and generally considered to be free of credit risk. Normally, the value of a fixed income security will fluctuate depending upon the actual changes in the perceived level of credit risk as well as the actual event of default.

Reinvestment Risk

This risk refers to the interest rate levels at which cash flows received from the securities in the Scheme or from maturities in the Scheme are reinvested. The additional income from reinvestment is the “interest on interest” component. The risk refers to the fall in the rate for reinvestment of interim cashflows.

Risks associated with various types of securities

CREDIT RISK LIQUIDITY RISK PRICE RISKListed Depends on credit quality Relatively Low Depends on duration of instrumentUnlisted Depends on credit quality Relatively High Depends on duration of instrumentSecured Relatively low Relatively Low Depends on duration of instrument

Unsecured Relatively high Relatively High Depends on duration of instrument

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Rated Relatively low and depends on the rating Relatively Low Depends on duration of instrument

Unrated Relatively high Relatively High Depends on duration of instrument

Different types of securities in which the scheme would invest as given in the Scheme Information Document carry different levels and types of risk. Accordingly, the scheme’s risk may increase or decrease depending upon its investment pattern e.g. corporate bonds, carry a higher level of risk than Government securities. Further even among corporate bonds, bonds which are AAA rated are comparatively less risky than bonds which are AA rated.

• Risk associated with investing in derivatives

valuation Risk

The risk in valuing the Debt & Equity derivative products due to inadequate trading data with good volumes. Derivatives with longer duration would have higher risk viz a viz the shorter duration derivatives.

Mark to Market Risk

The day-to-day potential for an investor to experience losses from fluctuations in underlying stock prices and derivatives prices.

Systematic Risk

The risk inherent in the capital market is due to macro economic factors like Inflation, GDP, Global events.

Liquidity Risk

The risk stemming from the lack of availability of derivatives products across different maturities and with different risk appetite.

Implied volatitly

The estimated volatility of an underlying security’s price and derivatives price.

Interest Rate Risk

The risk stemming from the movement of Interest rates in adverse direction. As with all the debt securities, changes in the interest rates will affect the valuation of the portfolios.

Counterparty Risk (default Risk)

Default risk is the risk that losses will be incurred due to the default by the counterparty for over the counter derivatives.

System Risk

The risk arising due to failure of operational processes followed by the exchanges and OTC participants for the derivatives trading.

• Risk attached with the use of derivatives

As and when the Scheme trades in the derivatives market there are risk factors and issues concerning the use of derivatives that investors should understand. Derivative products are specialized instruments that require investment techniques and risk analysis different from those associated with stocks and bonds. The use of a derivative requires an understanding not only of the underlying instrument but of the derivative itself. Derivatives require the maintenance of adequate controls to monitor the transactions entered into, the ability to assess the risk that a derivative adds to the portfolio and the ability to forecast price or interest rate movements correctly. There is a possibility that a loss may be sustained by the portfolio as a result of the failure of another party (usually referred to as the “counterparty”) to comply with the terms of the derivatives contract. Other risks in using derivatives include the risk of mispricing or improper valuation of derivatives and the inability of derivatives to correlate perfectly with underlying assets, rates and indices.

Derivative products are leveraged instruments and can provide disproportionate gains as well as disproportionate losses to the investor. Execution of such strategies depends upon the ability of he fund manager to identify such opportunities. Identification and execution of the strategies to be pursued by the fund manager involve uncertainty and decision of fund manager may not always be profitable. No assurance can be given that the fund manager will be able to identify or execute such strategies.

The risks associated with the use of derivatives are different from or possibly greater than, the risks associated with investing directly in securities and other traditional investments.

• Risk Associated with Securitised debt

The Scheme may invest in Securitised debt including Pass through Certificates (PTCs). As with any other debt instrument, the following risk factors have to be taken into consideration while investing in PTCs:

Credit Risk

Since most of the PTCs are drawn from a cherry picked pool of underlying assets, the risk of delay / default due to poor credit quality is low. Further more most of the PTCs enjoy additional cashflow coverage in terms of subordination by another lower class of PTCs or in terms of excess cash collateralisation.

Liquidity Risk

Since the maturity of the PTCs will be in line with the maturity of the FMP, the risk arising from low secondary market liquidity of such instruments is low.

price Risk / Interest Rate Risk

The price risk of these instruments shall be in line with the maturity / duration of such instruments. However given the fact that these instruments will have a maturity profile upto 2 years, the duration risk is relatively less.

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domestic Securitised debt

Domestic Securitised debt can have different underlying assets and these assets have different risk characteristics. These may be as given in the following example:

Security 1 -Backed by receivables of personal loans originated by XYZ Bank, Specific Risk Factors: Loss due to default and/or payment delay on Receivables, Premature Termination of Facility Agreements, Limited loss cover, Delinquency and Credit Risk, Limited Liquidity and Price Risk, Originator/Collection Agent Risk, Bankruptcy of the Originator, Co-mingling of funds.

Security2 - Senior Series Pass Through Certificates backed by commercial vehicles and two-wheeler loan and loan receivables from ABC Bank Limited

b. REqUIREMEnT OF MInIMUM InvESTORS In THE SCHEME

The Scheme/Plan shall have a minimum of 20 investors and no single investor shall account for more than 25% of the corpus of the Scheme/Plan(s). However, if such limit is breached during the NFO of the Scheme, the Fund will endeavor to ensure that within a period of three months or the end of the succeeding calendar quarter from the close of the NFO of the Scheme, whichever is earlier, the Scheme complies with these two conditions. In case the Scheme / Plan(s) does not have a minimum of 20 investors in the stipulated period, the provisions of Regulation 39(2)(c) of the SEBI (MF) Regulations would become applicable automatically without any reference from SEBI and accordingly the Scheme / Plan(s) shall be wound up and the units would be redeemed at applicable NAV.

The two conditions mentioned above shall also be complied within each subsequently calendar quarter thereafter, on an average basis, as specified by SEBI. If there is a breach of the 25% limit by any investor over the quarter, a rebalancing period of one month would be allowed and thereafter the investor who is in breach of the rule shall be given 15 days notice to redeem his exposure over the 25 % limit. Failure on the part of the said investor to redeem his exposure over the 25 % limit within the aforesaid 15 days would lead to automatic redemption by the Mutual Fund on the applicable Net Asset Value on the 15th day of the notice period. The Fund shall adhere to the requirements prescribed by SEBI from time to time in this regard.

As per Circular number SEBI/IMD/CIR NO 10/22701/03 dated December 12, 2003, the above guidelines are not applicable for Exchange Traded Funds. As RGETF is an exchange traded fund, same is not applicable.

C. SpECIAL COnSIdERATIOnS

Market Risk

Mutual funds and securities investments are subject to market risks and there is no assurance or guarantee that the objectives of the Scheme will be achieved. The NAV of the Scheme will react to the prices of gold, Gold Related Instruments and stock market movements. The Unit holder could lose their investments money over short periods due to fluctuation in the NAV of the Scheme in response to factors such as economic and political developments, changes in interest rates and perceived trends in stock prices market movements, and over longer periods during market downturns.

Additionally, the prices of gold may be affected by several factors such as global gold supply and demand, investors’ expectations with respect to the rate of inflation, currency exchange rates, interest rates, etc. Crises may motivate large-scale sales of gold, which could decrease the domestic price of gold.

Some of the key factors affecting gold prices are:

a) Central banks’ sale: Central banks across the world hold a part of their reserves in gold. The quantum of their sale in the market is one of the major determinants of gold prices. A higher supply than anticipated would lead to subdued gold prices and vice versa. Central banks buy gold to augment their existing reserves and to diversify from other asset classes. This acts as a support factor for gold prices.

b) Producer mining interest: Bringing new mines on-line is a time consuming and at times economically prohibitive process that adds years onto potential supply increases from mining production. On the other hand, lower production has a positive effect on gold prices. Conversely excessive production capacities would lead to a downward movement in gold prices as the supply goes up.

c) Macro-economic factors: A weakening dollar, high inflation, the massive US trade deficits all act in favor of gold prices. The global trend of rising interest rates also had a positive impact on gold prices. Gold being regarded as a physical asset would lose its luster in a deflationary environment as gold is used effectively as an inflation hedge.

d) Geo political issues: any uncertainty on the political front or any war-like situation always acts as a booster to gold prices. The prices start building up war premiums and hence such movements. Stable situations would typically mean stable gold prices.

e) Seasonal demand: Since the demand for Gold in India is closely tied to the production of jewellery pices tend to increase during the times of year when the demand for jewelry is the greatest, the demand for metals tends to be strong a few months ahead of these festive seasons, especially Dussera, Diwali, Akshaya Trithya festival and summer wedding season in in India. Christmas, Mothers Day, Valentine’s Day, are also major festive and shopping for Gold.

f) Change in duties & levies:

The gold held by the Custodian of RGETF may be subject to loss, damage, theft or restriction of access due to natural event or human actions. The Trustees may not have adequate sources of recovery if its gold is lost, damaged, stolen or destroyed and recovery may be limited, even in the event of fraud, to the market value of gold at the time the fraud is discovered.

The custodian will maintain adequate insurance for its bullion and custody business. The liability of the Custodian is limited under the agreement between the AMC and the Custodian which establish the Mutual Fund’s custody arrangements, or the custody agreements.

Market Trading Risks

Absence of Prior Active Market: Although RGETF units described in this Scheme information document are to be listed on the Exchange, there can be no assurance that an active secondary market will develop or be maintained.

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Lack of Market Liquidity

Trading in RGETF on the Exchange may be halted because of market conditions or for reasons that in the view of the market authorities or SEBI, trading in RGETF is not advisable. In addition, trading in RGETF is subject to trading halts caused by extraordinary market volatility and pursuant to Stock Exchange(s) and SEBI ‘‘circuit filter’’ rules. There can be no assurance that the requirements of the market necessary to maintain the listing of RGETF will continue to be met or will remain unchanged. RGETF may suffer liquidity risk from domestic as well as international market.

Time lag in procurement/redemption of physical gold

Procurement of gold bars may take upto 1 month in case of adverse shortage of gold bars. It may not be possible to sell gold bar intentionally and may delay redemption depending on the market conditions.

RGETF may trade at prices other than NAV

RGETF may trade above or below its NAV. The NAV of RGETF will fluctuate with changes in the market value of Scheme’s holdings. The trading prices of RGETF will fluctuate in accordance with changes in their NAVs as well as market supply and demand of RGETF. However, given that RGETF can be created and redeemed only in “Creation Units” directly with the fund, it is expected that large discounts or premiums to the NAVs of RGETF may not sustain due to arbitrage possibility available.

Operational Risks

RGETF are relatively new product and their value could decrease if unanticipated operational or trading problems arise.

Regulatory Risk

Any changes in trading regulations by the Exchange or SEBI may affect the ability of Authorised Participants arbitrage resulting into wider premium/ discount to NAV. Although RGETF are proposed to be listed on Exchange, the AMC and the Trustees will not be liable for delay in listing of Units of the Scheme on Exchange / or due to connectivity problems with the depositories due to the occurrence of any event beyond their control.

political Risks

Whereas the Indian market was formerly restrictive, a process of deregulation has been taking place over recent years. This process has involved removal of trade barriers and protectionist measures, which could adversely affect the value of investments. It is possible that the future changes in the Indian political situation, including political, social or economic instability, diplomatic developments and changes in laws and regulations could have an effect on the value of investments. Expropriation, confiscatory taxation or other relevant developments could affect the value of investments.

Competition Risks

An investment in RGETF may be adversely affected by competition from other methods of investing in gold. The value of the units relates directly to the value of the gold held by the scheme and fluctuations in the price of gold could adversely affect investment value of the units.

The RGETF is designed to mirror as closely as possible the performance of the price of gold bullion and the value of units directly relate to the value of the Gold held by the Scheme less the Scheme’s liabilities (including accrued but unpaid expenses). Gold prices have been quite volatile historically. The price of gold has fluctuated from a low of $1316/Oz530 to a high of $726 1886.5/Oz between Jan-06Jan 11 and Feb- 07Aug 11 between based on the London LBMA AM Fix.

Several factors may affect the price of gold, including:

• Globalgold supplies anddemand,which is influencedby factors suchas forward sellingbygoldproducers, purchasesmadebygoldproducers to unwind gold hedge positions, central bank purchases and sales, and productions and cost levels in major gold producing countries such as the South Africa, the United States and Australia.

• Investors’expectationswithrespecttotherateofinflation;

• Currencyexchangerates;

• Interestrates;

• Investmentandtradingactivitiesofhedgefundsandcommodityfunds;and

• Globalorregionalpolitical,economicorfinancialeventsandsituations.

• Inaddition,investorsshouldbeawarethatthereisnoassurancethatgoldwillmaintainitslong-termvalueintermsofpurchasingpowerin the future. In the event that the price of gold declines, the value of investment in units is expected to decline proportionately.

• Changesinindirecttaxeslikecustomdutiesforimport,salestax,VAToranyotherlevieswillhaveanimpactonthevaluationofgoldandconsequently the NAV of the scheme.

• Although,theobjectiveoftheFundistoseektoprovidereturnsthatcloselycorrespondtoreturnsprovidedbypriceofgoldthroughinvestment in physical Gold and Gold related securities, the performance of the scheme may differ from that of the domestic prices of Gold due to expenses and or other related factors

Credit & Interest Rate Risk

The Fund may also invest in Gold Related Instruments, money market instruments, bonds, securitised debts & other debt securities as permitted under the Regulations which are subject to price, credit and interest rate risk. Trading volumes and settlement periods and transfer procedures may restrict liquidity in debt investments.

Right to Limit Redemptions

The Trustee, in the interest of the Unit holders of the Scheme offered in this Scheme information document and keeping in view of the

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unforeseen circumstances / unusual market conditions, may limit the total number of Units, which can be redeemed on any Working Day depending on the total “Underlying Stock of Gold” that can be readily sold in the local market available with the fund.

Redemption Risk

The Unit Holders may note that even though this is an open-ended scheme, the Scheme would ordinarily repurchase Units in Creation Unit size. Thus unit holdings less than the Creation Unit size can normally only be sold through the secondary market, unless no quotes are available on the Exchange for 2 trading days consecutively. Further, the price received upon the redemption of RGETF units may be less than the value of the gold represented by them. The result obtained by subtracting the Fund’s expenses and liabilities on any day from the price of the gold owned by the fund on that day is the net asset value of the fund which, when divided by the number of units outstanding on that date, results in the net asset value per unit, or NAV.

Asset Class Risk

The domestic price of gold may vary from time to time. Further, the returns from the types of securities in which a Scheme invests may under perform returns from the various general securities markets or different asset classes. Different types of securities tend to go through cycles of out-performance and under performance in comparison of the general securities markets.

passive Investments

As RGETF is not actively managed, the underlying investments may be affected by a general decline in the domestic price of gold and other instruments invested under the plan. RGETF invests in the Gold & securities mentioned in the asset allocation regardless of their investment merit. The AMC does not attempt to take defensive positions in declining markets. Further, the fund manager does not make any judgment about the investment merit nor shall attempt to apply any economic, financial or market analysis.

Tracking Error Risk

Tracking error means the variance between daily returns of the underlying benchmark (gold in this case) and the NAV of the scheme for any given period. NAV of the Scheme is dependant on valuation of gold. Gold has to be valued as per the formula provided by SEBI in its circular no. SEBI/IMD/CIR No. 2/65348/06 dated April 21, 2006, Gazeted Notification Dated December 20, 2006 and such other circulars as issued by SEBI from time to time. NAV so computed may vary from the price of Gold in the domestic market.

Factors such as the fees and expenses of the Scheme, cash balance, changes to the Underlying assets and regulatory policies may affect AMC’s ability to achieve close correlation with the Underlying assets of the scheme. The Scheme’s returns may therefore deviate from those of its Underlying assets.

Tracking error could be the result of a various of factors including but not limited to:

• Delayinthepurchaseorsaleofgolddueto

• Illiquidityofgold,

• Delayinrealisationofsaleproceeds,

• Creatingalotsizetobuytherequiredamountofgold

• Theschememaybuyorsellthegoldatdifferentpointsoftimeduringthetradingsessionatthethenprevailingpriceswhichmaynotcorrespond to its closing prices.

• Thepotentialfortradestofail,whichmayresultintheSchemenothavingacquiredgoldatapricenecessarytotrackthebenchmarkprice.

• Theholdingofacashpositionandaccruedincomepriortodistributionofincomeandpaymentofaccruedexpenses.

• Disinvestmentstomeetredemptions,recurringexpenses,dividendpayoutsetc.

• Executionoflargebuy/sellorders

• Transactioncost(includingtaxesandinsurancepremium)andrecurringexpenses

• RealisationofUnitholders’fundsTheschemewillendeavortominimisethetrackingerrorby

• Settingoffofincrementalsubscriptionsagainstredemptions,duringliquiditywindow

• Useofgoldrelatedderivativeinstruments,asandwhenallowedbyregulations

• Rebalancingoftheportfolio

Given the structure of RGETF, the AMC expects the tracking error to be lower. The AMC will endeavor to keep the tracking error as low as possible. Under normal circumstances, such tracking errors are not expected to exceed 2% per annum. However this may vary when the markets are very volatile.

Tax Issues

Repurchase of RGETF by the Fund or sale of RGETF by the investor on the Stock Exchange may attract short or long term capital gain tax depending upon the holding period of the Units. Moreover, converting RGETF units to Gold may also attract Wealth tax. The tax benefits described in this Scheme information document are as available under the present taxation laws and are available subject to relevant conditions. The information given is included only for general purpose and is based on advice received by the AMC regarding the law and practice currently in force in India and the Unit holders should be aware that the relevant fiscal rules or their interpretation may change. As is the case with any investment, there can be no guarantee that the tax position or the proposed tax position prevailing at the time of an investment or redemption in the Scheme will endure indefinitely. In view of the individual nature of tax consequences, each investor is advised to consult his / her own professional tax advisor. Gold is subject to indirect tax not restricted to the following: Sales Tax, Octroi, VAT, Stamp Duty, and Custom Duty.

8

The Mutual Fund is not assuring or guaranteeing that it will be able to make regular periodical distributions/distribute bonus units to its Unit holders though it has every intention to manage the portfolio so as to make periodical income/bonus distributions to Unit holders. Periodical distributions will be dependent on the returns achieved by the Asset Management Company through the active management of the portfolio. Periodical distributions may therefore vary from period to period, based on investment results of the portfolio.

Past performance of the Sponsor/ the AMC/ the Mutual Fund is not indicative of the future performance of the Scheme. RGETF is the name oftheSchemeanddoesnotinanymannerindicateeitherthequalityoftheScheme;itsfutureprospectsorreturns.

All dividend distributions are subject to the availability of distributable surplus in the Scheme. When an investor switches from this scheme to another scheme on a future date, the scheme specific risk factors applicable to such scheme into which he switches, will apply.

Right to Limit Redemption

The Trustee may, in the general interest of the Unit holders of the Scheme under this Scheme Information Document and keeping in view the unforeseen circumstances / unusual market conditions, limit the total number of Units which may be redeemed on any Business Day to 5% of the total number of Units then issued and outstanding under any Scheme / Plan or such other percentage as the Trustee may determine. The Trustee may, at its sole discretion in response to unforeseen circumstances or unusual market conditions including, but not limited to, extreme volatility of the stock, fixed income and money markets, extended suspension of trading on the stock exchanges, natural calamities, communication breakdowns, internal system breakdowns, strikes, bandhs, riots or other situations where the Trustee in consultation with RCAM, considers that such suspension is necessary, limit the total number of Units which may be redeemed on any Business Day to 5% of the total number of Units then in issue or such higher percentage as the Trustee may determine in any particular case.

Any Units, which by virtue of these limitations are not redeemed on a particular Business Day, will be carried forward for redemption to the next Business Day, in the order of receipt. Redemptions so carried forward will be priced on the basis of the Redemption Price of the Business Day on which redemption is made. Under such circumstances, to the extent multiple redemption requests are received at the same time on a single Business Day, redemption’s will be made on pro-rata basis, based on the size of each redemption request, the balance amount being carried forward for redemption to the next Business Day(s).

The Custodian

The Trustee has appointed Deutsche Bank, who have been approved by SEBI to act as Custodian for Mutual Funds including gold exchange traded funds vide registration no. IN/CUS/003, as the Custodian for RGETF.

The registration of the Custodian is still valid and effective. The custodian shall hold the custody and possession of the securities and investment of the Fund and will discharge all the functions as are ordinarily discharged by a Custodian. It does not have any power or authority to sell or dispose of or deal with the securities/investment held by it on behalf of the Fund except as instructed by the AMC. The Trustee reserves the right to change the custodian, if required.

In terms of Custody Agreement in accordance with SEBI Regulations, entered into with Deutsche Bank as amended from time to time, the Custodian shall, inter alia:

• Providepost-tradingandcustodialservicestotheMutualFund;

• Keepgold,GoldRelatedInstruments,securitiesandotherinstrumentsbelongingtotheSchemeinsafecustody;

• Ensuresmoothinflow/outflowofgold,GoldRelatedInstruments,securitiesandsuchotherinstrumentsasandwhennecessary,inthebestinterestsoftheUnitholders;

• EnsurethatthebenefitsduetotheholdingsoftheMutualFundarerecovered;and

• Beresponsibleforlossofordamagetothegold,GoldRelatedInstruments,securitiesduetonegligenceonitspartoronthepartofitsapproved agents.

The Custodian will charge the Mutual Fund, portfolio fee, transaction fee and out-of-pocket expenses in accordance with the terms of the Custody Agreement and as per any modification made thereof from time to time.

Role Of The Custodian

The Custodian is responsible for safekeeping of the Scheme’s gold deposited with it by an Authorised Participants in connection with the creation of Baskets. The Custodian is responsible for allocating specific bars of gold bullion to the scheme Allocated Account. The Custodian will provide the AMC with regular reports detailing with identifying the gold bars held in the scheme Allocated Account.

The Custodian may also from time to time act as Authorized Participants or purchase or sell gold or units for their own account, as agent for their customers and for accounts over which they exercise investment discretion.

Custody Of the Scheme’s Gold

Custody of the gold bullion deposited with and held by the scheme is provided by the custodian at its Vaults in Mumbai and other places. The custodian, as instructed by the AMC, is authorized to accept, on behalf of the AMC, deposits of gold. On the instructions given by the AMC, the custodian allocates gold by selecting bars of gold bullion for deposit to the scheme’s allocated account.

The AMC and the custodian enter into the custody agreements, which establish the allocated account. The gold deposited with the scheme is held in the scheme allocated account.

Under the agreement entered into by the AMC and the custodian, the custodian is responsible for the safekeeping of the gold held on behalf of the AMC. The custodian is responsible for any loss or damage suffered by the scheme as a direct result of any negligence, fraud or willful default in the performance of its duties. The custodian’s liability is limited to the market value of the gold held in the scheme’s allocated account at the time such negligence, fraud or willful default is discovered by the custodian, provided that the custodian promptly notifies the AMC of its discovery. In the event of a loss caused by the failure of the custodian to exercise reasonable care, the AMC has the right to seek recovery with respect to the loss against the custodian in breach.

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Allocated Accounts

An allocated account is an account with a Bank or Custodian, to which individually identified gold bars owned by the account holder are credited. The gold bars in an allocated gold account are specific to that account and are identified by a list which shows, for each gold bar, the refiner, assay or fineness, serial number and fine weight. The account holder has full ownership of the gold bars and, except as instructed by the account holder, the Bank or Custodian may not trade, lease or lend the bars.

Transfer of Gold

At the end of each business day gold is transferred to the schemes allocated account. The custodian allocates specific bars of gold from its gold stocks, so that allocated gold bars represent the amount of gold credited to the extent such amount is representable by whole bars. The bars of gold should be held directly by the Custodian. The custodian updates its records at the end of each business day to identify the specific bars of gold allocated to the scheme. The withdrawal of gold from the scheme for the purpose of redemption will follow the same procedure in the reverse order.

description Of The Custody Agreements

Reports

The custodian provides the AMC with reports for each business day, no later than the following business day, identifying the movements of gold in and out of the scheme’s allocated account.

The monthly statement contains sufficient information to identify each bar of gold held in the scheme allocated account and the custodian or subcustodian having possession of such bar.

Sub-Custodians

The custodian may select Subcustodians to perform any of its duties, including holding gold for it. The sub-custodians selected by the custodians will have to be informed by the custodians to the AMC. Any additions or deletion of subcustodians will have to be reported to the AMC on a periodic basis.

Custodian may, with the prior written consent of AMC, entrust Gold held in the Account to a specified subcustodian that is eligible to act as a custodian of Gold under applicable laws and regulations (a “Sub-Custodian”) selected by Custodian with due care. The custodian shall remain responsible in all respects to its client for safekeeping of the gold kept with such other person, including any associated risks. The custodian of securities shall continue to fulfill all duties to the clients relating to the gold so kept with the other person.

Role of Sub custodian

• SafekeepingandsegregationofgoldbarsbelongingtotheScheme.

• Ensuringproperreceipt,safekeeping,accountinganddeliveryofthegoldbarsfromtheplaceofcollectiontosub-custodian’svaultaswellas from sub-custodian’s vault to the counterparty as specified and directed by the Custodian.

• Providingsecurityfor thegoldbarsbelongingtotheSchemeandequippingthevaultwithsecurityfeaturesasperbest InternationalStandards and requirements of the Insurer..

• Facilitating safe transportation of gold bars belonging to the scheme, by providing armed security, armoured vans and taking otherprecautions.

• Providingallothersupportservicesandfacilitiestoensuresafecustodyofgoldbarsaswellasforuninterruptedoperationofthevaults.

• TheInsuranceoftheGoldbarswillbetheresponsibilityoftheCustodian.

Appointment of sub-custodian

• DeutscheBankhasappointedasub-custodianaftercarryingoutnecessaryduediligenceofthesub-custodianinlinewithRBI’sOutsourcingPolicy and best International Practices.

• DeutscheBankmaynotrestrictitselftooperatingthroughasinglesub-custodianbutwillexploreavailingtheservicesofmorethanonesub custodian based on the clients’ needs.

Loss / damage of physical Gold and Securities

Deutsche Bank will be responsible for loss of / or damage to the physical gold and securities due to fraud, bad faith, negligence,willful neglect, default, or willful default on its part or on the part of its approved agents.

Location & Segregation of Gold

Gold held for scheme’s allocated account by the custodian or sub-custodians appointed by the custodians is held at the custodian’s Vaults in Mumbai. The custodian’s books and records will identify every bar of gold held in the scheme’s allocated account in its own vault by refiner, assay or fineness, serial number and gross and fine weight.

The AMC may upon reasonable notice, visit the custodian’s premises and examine the scheme’s gold held there and the custodian’s records concerning the scheme’s allocated account. The AMC’s independent auditors may also visit the custodians premises in connection with their audit of the financial statements of the scheme.

Insurance

The custodian will ensure adequate insurance for its bullion and custody business. The AMC and the sponsor may subject to confidentiality restrictions, review this insurance coverage from time to time.

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d. dEFInITIOnS And AbbREvIATIOnS

In this Scheme Information Document, the following words and expressions shall have the meaning specified below, unless the context otherwise requires:

Applicable net Asset value (nAv)

Applicable NAV is the Net Asset Value per Unit at the close of the Business Day on which the application for purchase or redemption/switch is received at the designated investor service centre and is considered accepted on that day. An application is considered accepted on that day, subject to it being complete in all respects and received prior to the cut-off time on that Business Day.

Asset Management Company (AMC/RCAM)/ Investment Manager

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

Allotment price Allotment price is the price at which each unit will be allotted and will be equal to the face value of Rs100/- plus premium equivalent to the difference between the face value and price of one gram of gold on the date of allotment.

Application Form Application form for subscribing to Units of RGETF as specified in this Scheme Information Document.AMFI Association of Mutual Fund in India.Authorised participants Member of the National Stock Exchange or any other recognised stock exchange or any other person who

is appointed by the AMC to act as Authorised Participant as decided by the AMC.Collecting bank Branches of Banks for the time being authorized to receive application(s) for units, as mentioned in this

document.Continuous Offer Offer of the Units when the scheme becomes open-ended after the closure of the New Fund Offer. Custodian Deutsche Bank, NV Mumbai, acting as Custodian to the Scheme, or any other custodian who is appointed

by the Trustee.Crore Ten Million Indian RupeesCreation unit Creation unit is the number of units of scheme, which is exchanged against a predefined quantity and purity

of physical Gold called the Portfolio Deposit and a Cash Component. For redemption of units it is vice-versa i.e. fixed number of units of scheme are exchanged for Portfolio Deposit and Cash Component.

‘Creation Unit’ is a fixed number of RGETF, which is exchanged for Portfolio Deposit which would consist of physical Gold of defined purity and quantity and/or Cash Component. The facility of creating/redeeming units in Creation Unit size will be available with the Authorised Participants (whose names will be available on the website of the Fund i.e. (www.reliancemutual.com) on the ongoing basis. Each creation unit consists of 1000 units of RGETF and cash component, if any.

CdSL Central Depository Services (India) Ltd.designated Investor Service Centres (dISC) / Official point of acceptance for transaction)

Any location as may be defined by the Asset Management Company from time to time, where investors can tender the request for subscription, redemption or switching of units, etc.

depository Depository means a body corporate as defined in the Depositories Act, 1996 (22 of 1996) and includes National Securities Depository Ltd (NSDL) and Central Depository Services Ltd (CDSL).

Entry Load Load on subscriptions / switch in.Exit Load Load on redemptions / switch out.ETF Exchange Traded FundExchange The Stock Exchange Limited, Mumbai or The National Stock Exchange of India Limited or any other

exchange where the Units are listed.Foreign Institutional Investors (FII)

Foreign Institutional Investors, registered with SEBI under the Securities and Exchange Board of India (Foreign Institutional Investors) Regulations, 1995.

Gold Related Instruments Instrument having gold as underlying security, as may be specified by SEBI from time to timeInvestment Management Agreement (IMA)

The Agreement entered into between Reliance Capital Trustee Co. Limited and Reliance Capital Asset Management Limited by which RCAM has been appointed the Investment Manager for managing the funds raised by RMF under the various Schemes and all amendments thereof.

Lakh One hundred thousandLbMA London Bullion Market AssociationLarge investor Large investor means investors who are eligible to invest in the Scheme and who would be creating units

of RGETF in creation unit size by depositing predefined quantity and purity of physical gold or cash which should be acceptable by the Custodian for such purposes. Further large investor would also mean those investors who would be redeeming units of RGETF in creation unit size.

However vide addendum dated February 10, 2009, this facility of creation/ redemption of units in Creation Unit Size shall no longer be available to large investors, which may please be noted.

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Load A charge that may be levied as a percentage of NAV at the time of entry into the scheme or at the time of exiting from the scheme.

Local Cheque A Cheque handled locally and drawn on any bank, which is a member of the banker’s clearing house located at the place where the application form is submitted.

Mutual Fund Regulations (Regulations)

Securities and Exchange Board of India (Mutual Funds) Regulations as amended from time to time and such other Regulations as may be in force from time to time to regulate the activities of Mutual Funds.

net Asset value (nAv) Net Asset Value of the Units in each plan of the Scheme is calculated in the manner provided in this Scheme Information Document or as may be prescribed by Regulations from time to time. The NAV will be computed upto four decimal places.

non-Resident Indian (nRI) Non-Resident Indian.nSdL National Securities Depository LtdOTC Over the counter.person of Indian Origin (pIO) Person of Indian Originpurchase price Purchase Price to the investor of Units of any of the plans computed in the manner indicated in this Scheme

Information Document.portfolio deposit These are LBMA Good Delivery physical gold bars imported by Banks authorized by RBI to deal in Gold

and other securities. The value of gold and other instruments will be linked to the domestic prices of gold. Portfolio Deposit can change from time to time.

Reserve bank of India (RbI) Reserve Bank of India, established under the Reserve Bank of India Act, 1934.Reliance Mutual Fund (RMF) /Mutual Fund/the Fund

Reliance Mutual Fund (formerly known as Reliance Capital Mutual Fund), a Trust under Indian Trust Act, 1882 and registered with SEBI vide registration number MF/022/95/1 dated June 30, 1995.

Reliance Capital Trustee Co. Limited (RCTC) /Trustee /Trustee Company

Reliance Capital Trustee Co. Limited, a Company incorporated under the Companies Act, 1956, and authorized by SEBI and by the Trust Deed to act as the Trustee of RMF.

Reliance Capital Limited (RCL) /Sponsor/Settlor

Reliance Capital Limited

Redemption price Redemption Price to the investor of Units of any of the plans computed in the manner indicated in this Scheme Information Document.

Registrar /karvy Karvy Computershare Pvt. Ltd., who have been appointed as the Registrar or any other Registrar who is appointed by RCAM.

Statement of Additional Information (SAI)

Statement of Additional Information, the document issued by Reliance Mutual Fund containing details of Reliance Mutual Fund, its constitution, and certain tax, legal and general information. SAI is legally a part of the Scheme Information Document

Scheme Reliance Gold Exchange Traded Fund (RGETF), An Open - ended Gold Exchange Traded Fund. Scheme Information document (SId)

Scheme Information Document issued by RMF, offering units of RGETF for Subscription.

Securities and Exchange board of India (SEbI)

Securities and Exchange Board of India (Mutual Funds) Regulations, 1996 as amended from time to time, including by way of circulars or notifications issued by SEBI and the Government of India.

Trust deed The Trust Deed entered into on April 24, 1995 between the Sponsor and the Trustee, and all amendments thereof.

Trust Fund The corpus of the Trust, unit capital and all property belonging to and/or vested in the Trustee.Tracking Error Tracking error means the variance between daily returns of the underlying benchmark (gold in this case) and

the NAV of the scheme for any given period.Unit The interest of the investors in any of the plans, of the scheme which consists of each Unit representing

one undivided share in the assets of the corresponding plan of the scheme.Unitholder A person who holds Unit(s) under the scheme.Unitholders Record Unitholders whose names appear on the unitholders register of the concerned plan/(s) on the date of

determination of Dividend/Bonus, subject to realisation of the cheque.Underlying Stock / Securities Instruments invested in by the Fund manager, other than gold and Gold Related Instruments, for the

scheme, subject to the approval of the Regulator and / or in compliance with the Regulations.Working day / business day Any day, other than a Saturday or Sunday or any day on which Banks in Mumbai are Closed for commercial

transactions or The Stock Exchange, Mumbai and/or National Stock Exchange are closed for transactions or a day on which banks are open but The Stock Exchange, Mumbai and/or The National Stock Exchange are closed for transactions or a day on which sale of units is suspended by the AMC / Trustee or a day on which normal business could not be transacted due to storms, floods, bandhs, strikes or any other calamities, etc, subject to modifications by RCAM from time to time.

Words and Expressions used in this Scheme Information document and not defined shall have the same meaning as in the Regulations.

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E. dUE dILIGEnCE bY THE ASSET MAnAGEMEnT COMpAnY

It is confirmed that:

1. The Scheme Information Document of Reliance Gold Exchange Traded Fund, forwarded to SEBI, is in accordance with the SEBI (Mutual Funds) Regulations, 1996 and the guidelines and directives issued by SEBI from time to time.

2. All legal requirements connected with the launching of the Scheme as also the guidelines, instructions etc., issued by the Government and any other competent authority in this behalf, have been duly complied with.

3. The disclosures made in the Scheme Information Document are true, fair and adequate to enable the investors to make a well informed decision regarding investment in the proposed Scheme.

4. The intermediaries named in the Scheme Information Document and Statement of Additional Information are registered with SEBI and their registrations are valid, as on date, to the best of our knowledge and belief.

Mumbai Muneesh SudSeptember 22, 2011 designation: Head - Legal, Secretarial & Compliance

note: The Due Diligence Certificate as stated above was submitted to the Securities and Exchange Board of India on September 30, 2011.

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II. InFORMATIOn AbOUT THE SCHEME – Reliance Gold Exchange Traded Fund

A. TYpE OF THE SCHEME

An Open ended Gold Exchange Traded Fund that tracks the domestic prices of gold through investments in physical Gold.

b. WHAT IS THE InvESTMEnT ObjECTIvE OF THE SCHEME?

The investment objective is to seek to provide returns that closely correspond to returns provided by price of gold through investment in physical Gold (and Gold related securities as permitted by Regulators from time to time). However, the performance of the scheme may differ from that of the domestic prices of Gold due to expenses and or other related factors.

However, there can be no assurance that the investment objective of the scheme will be achieved.

C. HOW WILL THE SCHEME ALLOCATE ITS ASSETS?

Under normal circumstances, the anticipated asset allocation would be:

Instruments Indicative asset allocation (% of total assets) Risk profileMinimum Maximum

Physical Gold or Gold Related Instruments as permitted by regulators from time to time#

90% 100% Medium to High

Money Market instruments, Bonds, Debentures, Government Securities including T-Bills, Securitised Debt* & other debt securities as permitted by regulators from time to time

0% 10% Low to Medium

# Presently, investment only in physical gold is allowed as per SEBI guidelines. Investment in gold or gold related instruments may be undertaken as and when permitted by SEBI.

*Upto 10% in securitised debt

Use of gold related derivative instruments, as and when allowed by regulations

The above Asset Allocation Pattern is only indicative. The investment manager in line with the investment objective as may alter the above pattern for short term and on defensive consideration.

d. WHERE WILL THE SCHEME InvEST?

The Fund will, in general invest a significant part of its corpus in Physical Gold or Gold Related Instruments as permitted by regulators from time to time (as per the asset allocation mentioned above). Presently, investment only in physical gold is allowed as per SEBI guidelines. Investment in gold or gold related instruments may be undertaken as and when permitted by SEBI. However pending investments, the surplus amount of the Fund shall be invested in securitized debt, other debt securities, bonds and money market instruments as permitted by regulators from time to time.

purchase of Gold bars

The Fund will purchase Gold Bars from the RBI Authorised Banks and Agencies that are Refined at LBMA Registered Refiners (Updated list of the Refiners can be obtained from the LBMA Website – www.lbma.org.uk).

E. WHAT ARE THE InvESTMEnT STRATEGIES?

The fund manager would use a ‘passive’ approach to try and achieve the investment objective of the scheme. The fund manager shall not try to ‘‘beat’’ the Gold Market, but aims to replicate the returns, which commensurate the returns generated, by Gold during that period. It will however endeavor to seek temporary defensive positions when markets decline or appear over valued to the extent of its investment in Money Market or other debt securities. The fund manager would not make any judgment about the investment merit of a particular security nor will it attempt to apply any economic, financial or market analysis. This style of Passive Fund Management would eliminate the risks involved with active management with regard to over / underperformance vis-à-vis a benchmark.

The Fund will, in general invest a significant part of its corpus in Physical Gold or Gold Related Instruments as permitted by regulators from time to time (as per the asset allocation mentioned above). Presently, investment only in physical gold is allowed as per SEBI guidelines. Investment in gold or gold related instruments may be undertaken as and when permitted by SEBI. However pending investments, the surplus amount of the Fund shall be invested in securitized debt, other debt securities, bonds and money market instruments as permitted by regulators from time to time. Also whenever good investment opportunity is not available in the view of the Fund manager, the Fund will reduce its exposure to gold and Gold Related instruments and during that period the surplus asset of the Fund shall be invested in securitized debt, other debt securities, bonds and money market instruments.

However there is no assurance that all such buying and selling activities would necessarily result in benefit for the Fund. The allocation will be decided based upon the prevailing market conditions, prices of gold, macro economic environment, and the performance of the corporate sector, the debt market and other considerations. At times, such churning could lead to higher brokerage and transaction costs. To achieve its primary objective as mentioned above, the Fund would invest in gold and Gold Related Instruments as permitted by regulators from time to time. To achieve its secondary objective, the fund would invest in securitized debt, other debt securities, bonds and money market securities as permitted by regulators from time to time.

These securities could include:

• ObligationsofIndianCompanies(bothpublicandprivatesector)includingtermdepositswiththebanksaspermittedbySEBI/RBIfromtime to time and developmental financial institutions

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• CertificateofDeposits(CDs)

• Commercialpaper(CPs)

• InSecuritizedDebtupto10%ofthecorpus.

• Thenon-convertiblepartofconvertiblesecurities

• Anyotherdomesticfixedincomesecurities

• MoneymarketinstrumentspermittedbySEBI/RBI,havingmaturitiesupto1yearincallmoneymarketinstrumentsasmaybeprovidedby the RBI to meet the liquidity requirements

• AnyotherinstrumentsasallowedbytheRegulationsfromtimetotime.

• TheFundmayalsoenterinto“Repo”,orsuchothertransactionsasmaybeallowedtoMutualFundsfromtimetotime.

Subject to the Regulations, the investments may be in securities which are listed or unlisted, secured or unsecured, rated or unrated, having variable maturities, and acquired through secondary market purchases, RBI auctions, open market sales conducted by RBI etc., Initial Public Offers (IPOs), other public offers, placements, rights, offers, negotiated deals, etc

The Scheme may also enter into repurchase and reverse repurchase obligations in all securities held by it as per the guidelines and Regulations applicable to such transactions.

No investments shall be made in foreign securitised debt.

Investment process

The AMC will initially decide the quantity of gold to be imported / procured and kept with the Custodian (who acts as a warehouse/ custodian for the Fund). Against this quantity, AMC issues units to the investor. Therefore the entire corpus (except for some portion to meet liquidity) shall be invested upfront into Gold.

Case for Investing In Gold

The price of gold is the benchmark. All forms of investments carry some degree of risk. Holding gold directly also has risks. However, including gold in a well-balanced portfolio can help diversify risk. Gold’s ability to serve as a portfolio diversifiecation is due to its historically low-to-negative correlation with stocks and bonds. The economic forces that determine the price of gold are different from the forces that determine the prices of most financial assets. The price of gold depends upon various factors, including the supply and demand for gold, the strength or weakness of major foreign currency especially dollar, the rate of inflation, and interest rates and the current political environment. Gold is not subject to the risk of default or bankruptcy.

Tracking Error

Tracking error means the variance between daily returns of the underlying benchmark (gold in this case) and the NAV of the scheme for any given period. NAV of the Scheme is dependant on valuation of gold. Gold shall be valued based on the formula mentioned in SEBI circular no. SEBI/IMD/CIR No. 2/65348/06 dated April 21, 2006, Gazeted Notification Dated December 20, 2006 and such other circulars as issued by SEBI from time to time. NAV so computed may vary from the price of Gold in the domestic market. Factors such as the fees and expenses of the Scheme, corporate actions, cash balance, changes to the Underlying assets and regulatory policies may affect AMC’s ability to achieve close correlation with the Underlying assets of the scheme. The Scheme’s returns may therefore deviate from those of its Underlying assets.

Tracking error could be the result of a variety of factors including but not limited to:

• Delayinthepurchaseorsaleofgolddueto

• Illiquidityofgold,

• Delayinrealisationofsaleproceeds,

Creating a lot size to buy the required amount of gold

• Theschememaybuyorsellthegoldatdifferentpointsoftimeduringthetradingsessionatthethenprevailingpriceswhichmaynotcorrespond to its closing prices.

• Thepotentialfortradestofail,whichmayresultintheSchemenothavingacquiredgoldatapricenecessarytotrackthebenchmarkprice.

• Theholdingofacashpositionandaccruedincomepriortodistributionofincomeandpaymentofaccruedexpenses.

• Disinvestmentstomeetredemptions,recurringexpenses,dividendpayoutsetc.

• Executionoflargebuy/sellorders

• Transactioncost(includingtaxesandinsurancepremium)andrecurringexpenses

• RealisationofUnitholders’funds

The scheme will endeavor to minimise the tracking error by

• Settingoffofincrementalsubscriptionsagainstredemptions,duringliquiditywindow

• Useofgoldrelatedderivativeinstruments,asandwhenallowedbyregulations

• Rebalancingoftheportfolio

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Investment philosophy and Focus

India today is the world’s largest democracy with a vibrant electorate, active Judiciary and civil society groups, and a fiercely independent media. For thousand of years, gold has been prized for its parity, its beauty, and above all its unique characteristics as a store of value. In today’s uncertain climate, many investors turn to gold because it is an important and secure asset that can be tapped at any time, under virtually any circumstances.

But there is another side to gold that is equally important, and that is its day-to-day performance as a stabilizing influence for investment portfolio. These advantages are currently attracting considerable attention from financial professionals and sophisticated investors worldwide. Recent independent studies have revealed that traditional diversifiers often fall during times of market stress or stability. On these occasions most asset classes (including traditional diversifiers such as bonds and alternative assets) all move together in the same direction. There is no “cushioning” effect of a diversified portfolio - leaving investors disappointed. However, a small allocation of gold has been proven to significantly improve the consistency of portfolio performance, during both stable and unstable financial periods. Greater consistency of performance leads to a desirable outcome - an investor whose expectations are met.

The consumers and public have realized the benefits of liberalization through increase in the choice and quality of products and decrease in prices. The business and industry have also adjusted themselves with the liberalization and globalization. The unprecedented high level of foreign exchange reserves, upward trend in FDI inflows and the general growth of the economy has given more confidence and encouragement to the policy-makers to further accelerate its economic reforms and liberalization process. Both at the central and state levels and across political parties, in general, there is consensus on further economic liberalization.

The Macro view

• Indiaisamajorplayerintheglobalgoldmarket,boththroughownershipandannualflowofpurchasesofgold,andthroughenormoussuccess in the labour-intensive export-oriented jewellery business.

• Modernisationofthegoldmarkethasbeenalong-standingpolicygoalinIndia.Akeyelementofmodernisinganyfinancialmarketisshifting away from closed clubs of dealers engaging in private transactions and bilateral negotiation, to a framework with anonymous trading taking place between participants from all across the country, all of whom are on a level playing field. An essential feature of modernisation of finance is the removal of entry barriers, so that it is easy for finance companies to enter and exit any kind of financial activity. RGF promises to be a step forward for the gold spot market in offering such a trading framework, characterised by nationwide participation by households and without entry barriers faced by finance companies.

• RGFisagoldspotinstrument,whichisdistinctfromgoldfutures.However,therearesynergiesbetweenbothinitiatives,sincetheybothstrengthen different aspects of the gold market. A strong gold ETF market helps to strengthen the gold futures market, and vice versa.

The Micro view

From the narrow viewpoint of a household also, the RGF offers many benefits. Gold is a part of the portfolio of millions of households in the country. For households, the gold ETF offers the following advantages.

• Zeroconcernsaboutphysicalsecurity,theftoradulterationwhenfacedwiththetasksofcustodyandspottransactions.

• Atransparentsecondarymarket,whichwillofferreducedtransactionscostswhencomparedwithexistingOTCtransactionsonthegoldspot market. The existing unregulated spot market suffers from acute problems of wide bid -offer spreads, and penalisation of customers on questions of purity.

• OncebanksandothermoneylendersacceptthetransparencyandliquidityoftheGoldETF, itwouldbecomepossibletopledgeGoldETF Units as collateral for loans. This would greatly assist many low-income households by easing the credit constraints that they face. A household which may possess physical gold today would, in comparison, obtain more limited credit access owing to concerns about the purity and liquidity of the physical gold. In contrast, the Gold ETF Units will eliminate concerns about purity, and will offer assured secondary market liquidity.

• RGETFislikelytotradeinUnitswhichcorrespondto0.1gramsofgold.Thiswouldmaketransactionsaccessibletoalargenumberofhouseholds who presently find it difficult to do transactions of 1 gram or 1 tola of gold.

debt market in India

The Indian Debt market is facing major shift in the recent times. The substantial growth in Mutual Fund collections in the past few years have provided an easy route for the investors to channelise their savings into the debt market, which otherwise is largely dominated by Banks and other Institutional investors.

At present, the Indian debt market is dominated by issues of Central Government bonds, Coporate Debentures and PSU Bonds. The new Securitised instruments are also very attractive in the primary market. Risk associated with securitized Debt or PTCs are credit risk, liquidity risk and price risk/interest rate risk. The other instruments available for investment are Commercial Papers, Certificate of Deposits, Government guaranteed bonds, etc.

Brief details about the instruments are given below as on September 05, 2011.

Instruments Listed/ Unlisted Current Yield Range As on September 05, 2011.

Liquidity Risk profile

Central Government Securities Listed 8.18%- 8.63% High LowCorporate Debentures / PSU Bonds Listed 9.38%-9.40% Moderate LowCDs (short term) Unlisted 9.05%-9.50% High LowCall Money Unlisted 7.75%-8.05% High LowMibor linked Papers Listed 250-254 bps Low Low

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A brief description about yields presently available on Central Govt. Securities /Bonds & Debentures of various maturities is as follows: Annualised yields (as May on September 05, 2011.) are:

Yrs =< 1yr 2-6yrs 7-10yrs 11-20 yrs

Central Government securities 8.47%-8.52% 8.35%-8.52% 8.46%-8.64% 8.56%-8.75%

Debentures / Bonds (AAA rated) 9.39%-9.40% 9.38%-9.40% 9.39%-9.40% -

THE PRICE AND YIELD ON VARIOUS DEBT INSTRUMENTS FLUCTUATE FROM TIME TO TIME DEPENDING UPON THE MACRO ECONOMIC SITUATION, INFLATION RATE, OVERALL LIQUIDITY POSITION, FOREIGN EXCHANGE SCENARIO, ETC. ALSO, THE PRICE AND YIELD VARIES ACCORDING TO MATURITY PROFILE, CREDIT RISK ETC

portfolio Turnover policy

Given the nature of the scheme, the portfolio turnover ratio may be high and AMC may re-allocate the portfolio according to liquidity requirements, commensurate with the investment objectives of the scheme. The effect of higher portfolio turnover may result in higher expenses and transaction costs.

F. FUndAMEnTAL ATTRIbUTES

For the purposes of this section, "fundamental attributes" of the scheme shall mean:

(i) Type of Scheme

An Open ended Gold Exchange Traded Fund that tracks the domestic prices of gold through investments in physical gold.

(ii) Investment Objectives : Refer to Section C: “How will the Scheme allocate its assets?”

(iii) Terms of Issue

a) Liquidity provisions such as repurchase/redemption of units

As RGETF is listed on the Exchange, subsequent buying or selling by Unit holders can be made from the secondary market. The minimum number of Units that can be bought or sold on the exchange is 1 (one) unit. All investors may sell their units in the stock exchange(s) on which these units are listed on all the trading days of the stock exchange.

Repurchase / redemption of units as referred to ‘Redemption’.

b) Aggregate Fees and expenses charged to the Scheme

i) new Fund Offer (nFO) Expenses

These expenses are incurred for the purpose of various activities related to the NFO like sales and distribution fees paid marketing and advertising, registrar expenses, printing and stationary, bank charges etc.

As per SEBI circular SEBI/IMD/CIR No.1/64057/06 dated April 4, 2006, open ended schemes are not permitted to charge NFO Expenses to the scheme.

ii) Annual Scheme Recurring Expenses

These are the fees and expenses for operating the scheme. These expenses include Investment Management and Advisory Fee charged by the AMC, Registrar and Transfer Agents’ fee, marketing and selling costs etc. as given in the table below:

For the actual current expenses being charged, the investor should refer to the website of the mutual fund.

particulars % of average daily

net assets (estimated)Investment Management & Advisory Fee 0.50Custodial Fees 0.50Registrar & Transfer Agent Fees including cost related to providing accounts statement, dividend/redemption cheques/warrants etc.

0.05

Marketing & Selling Expenses including Agents Commission and statutory advertisement 1.00Brokerage & Transaction Cost pertaining to the distribution of units 0.10Audit Fees / Fees and expenses of trustees 0.00Costs related to investor communications 0.15Costs of fund transfer from location to location 0.10Listing Fees 0.01License Fees 0.01Other Expenses 0.08Total Recurring Expenses 2.50

Securities And Exchange Board Of India (Mutual Funds) (Amendment) Regulations, 2010 states that in case of an Exchange Traded Fund, the total expenses of the scheme including the investment and advisory fees shall not exceed one and one half percent (1.5%) of the weekly average net assets. Accordingly following is the revised estimated recurring expenses of the scheme.

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particulars % of average dailynet assets (estimated)

Investment Management & Advisory Fee 0.75Custodial Fees 0.04Registrar & Transfer Agent Fees including cost related to providing accounts statement, dividend/redemption cheques/warrants etc.

0.05

Marketing & Selling Expenses including Agents Commission and statutory advertisement 0.30Brokerage & Transaction Cost pertaining to the distribution of units 0.04Audit Fees / Fees and expenses of trustees 0.02Costs related to investor communications 0.04Costs of fund transfer from location to location 0.04Listing Fees 0.01License Fees 0.01Other Expenses 0.20Total Recurring Expenses 1.50

These estimates have been made in good faith as per the information available to the Investment Manager based on past experience and are subject to change inter-se as per actual. Types of expenses charged shall be as per the SEBI (MF) Regulations. RGETF units will be held in dematerialized form, as prescribed under The SEBI (Depositories and Participants) Regulations, 1996. The service charges payable to the depository will form part of annual recurring expenses.

While the Investment Management fees remains the same, the other categories of recurring expenses may change inter-se and the total expenses shall not exceed the limits permitted by SEBI. Subject to SEBI Regulations, the Trustees reserves the right to modify the above total estimate for recurring expenses on a prospective basis

In terms of the Regulations, RCAM can charge Investment Management Fees @ 1.25 % of the average weekly net assets for a corpus upto Rs.100 crores and 1% on the balance amount above Rs.100 crores, calculated on a daily basis. However, no Investment Management fees can be chargeable on RCAM’s investment in the Scheme. The Trustee Company, RCTC, shall be entitled to receive a sum computed @ 0.05% of the Unit Capital of all the Schemes of RMF on 1st April each year or a sum of Rs.5,00,000/- which ever is lower or such other sum as may be agreed upon between the Settlor (RCL) and the Trustee (RCTC) from time to time in accordance with the SEBI Regulations or any other authority, from time to time.

The Fund will strive to reduce the level of these expenses so as to keep them well within the maximum limits allowed by SEBI. Expenses on an ongoing basis Investment Management & Advisory Fee will not exceed one and one half (1.5%) of the average weekly net assets.

Any safety net or guarantee provided – Not Applicable

In accordance with Regulation 18(15A) of the SEBI (MF) Regulations, the Trustees shall ensure that no change in the fundamental attributes of the Scheme(s) and the Plan(s) / Option(s) thereunder or the trust or fee and expenses payable or any other change which would modify the Scheme(s) and the Plan(s) / Option(s) thereunder and affect the interests of Unitholders is carried out unless:

• AwrittencommunicationabouttheproposedchangeissenttoeachUnitholderandanadvertisementisgiveninoneEnglishdailynewspaper having nationwide circulation as well as in a newspaper published in the language of the region where the Head Office of theMutualFundissituated;and

• TheUnitholdersaregivenanoptionforaperiodof30daystoexitattheprevailingNetAssetValuewithoutanyexitload.

G. HOW WILL THE SCHEME bEnCHMARk ITS pERFORMAnCE?

As there are no indices catering to the gold sector/securities linked to Gold, currently RGETF shall be benchmarked against the price of Gold.

Purity of Gold: All gold bullion held in the scheme’s allocated account with the custodian shall be of fineness (or purity) of 995 parts per 1000 (99.5%) or higher.

H. WHO MAnAGES THE SCHEME?

name Age Educational qualification

Type and nature of past experience including assignments held during the past 10 years

name of the Scheme managed

Hiren Chandaria 30 Years

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

Prior to joining mutual fund arena he was a commodity trader with proprietary desk of Reliance Capital. He had also been working on analysing various commodities and working on commodity linked products He has been working with Reliance ADA group since November 2005. Hiren has undertaken various commodity related projects during the last few years.

Reliance Gold Savings Fund - Since march 2011

I. WHAT ARE THE InvESTMEnT RESTRICTIOnS?

The investment policy of the scheme comply with the rules, regulations and guidelines laid out in SEBI (Mutual Funds) Regulations, 1996.

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As per the Regulations, gold exchange traded fund scheme shall be subject to the following investment restrictions:

1. The funds of any such scheme shall be invested only in gold or Gold Related Instruments in accordance with its investment objective, except to the extent necessary to meet the liquidity requirements for honouring repurchases or redemptions, as disclosed in the scheme information document.

2. Pending deployment of funds of the scheme in securities in terms of the investment objectives and policies of the scheme, the Mutual Fund can invest the fund of the scheme in short term deposits of scheduled commercial banks subject to the guidelines as applicable from time to time

Further, as per the Seventh Schedule, the following investment limitations are currently applicable to its investments in the Underlying Stock:

1. The scheme shall not invest more than 15% of its NAV in debt >instruments issued by a single issuer which are rated not below investment grade by a credit rating agency authorised to carry out such activity under the Act. Such investment limit may be extended to 20% of the NAV of the scheme with the prior >approval of the Board of Trustees and the Board of asset management company or any Committee constituted thereof:

Provided that such limit shall not be applicable for investments in Government securities.

Provided further that investment within such limit can be made in mortgaged backed securitised debt which are rated not below investment grade by a credit rating agency registered with the Board.

2. No mutual fund scheme shall invest more than thirty percent of its net assets in money market instruments of an issuer:

Provided that such limit shall not be applicable for investments in Government securities, treasury bills and collateralized borrowing and lending obligations.

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

note: Debentures, irrespective of any residual maturity period (above or below one year), shall attract the investment restrictions as applicable for debt instruments as specified above. Further, it is clarified that the investment limits mentioned above are applicable to all debt securities which are issued by public bodies/institutions such as electricity boards, municipal corporations, state transport corporations etc. guaranteed by either central or state government. Government securities issued by central/state government or on its behalf by RBI are exempt from the above referred investment limits.

4. The AMC would monitor the tracking error of the scheme on an ongoing basis and would seek to minimise tracking error to the maximum extent possible. Given the structure of RGETF, the AMC expects the tracking error to be lower. Under normal circumstances, such tracking errors are not expected to exceed 2% per annum. However this may vary when the markets are very volatile.

5. Transfers of investments from one scheme to another scheme in the Mutual Fund shall be allowed only if:

a) Suchtransfersaredoneattheprevailingmarketpriceforquotedinstrumentson“spotbasis”;

Explanation: “spot basis” shall have the same meaning as specified by the stock exchange for spot transactions: and

b) The securities so transferred shall be in conformity with the investment objectives & policies of the Scheme(s) to which such transfer has been made.

6. The Scheme shall not make any investment in any Fund Of Fund scheme or in foreign securities.

7. No term loans for any purpose will be advanced by the Scheme.

8. The Mutual Fund shall buy and sell securities on the basis of deliveries and shall in all cases of purchases, take delivery of relative securities and in all cases of sale, deliver the securities and shall in no case put itself in a position whereby it has to make short sale or carry forward transactions or engage in badla finance :

provided that a mutual fund may engage in short selling of securities in accordance with the framework relating to short selling and securities lending and borrowing specified by the Board:

provided further that a mutual fund may enter into derivatives transactions in a recognized stock exchange, subject to the framework specified by the Board.

Provided further that sale of government security already contracted for purchase shall be permitted in accordance with the guidelines issued by the Reserve Bank of India in this regard.

9. The Scheme will comply with any other regulations applicable to the investments of mutual funds from time to time.

10. The Fund shall not borrow except to meet temporary liquidity needs of the Fund for the purpose of repurchase / Redemption of Units or payment of interest and Dividend to the Unitholders.

Provided that the Fund shall not borrow more than 20% of the net assets of any individual Scheme and the duration of the borrowing shall not exceed a period of 6 months.

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The Scheme’s investment in debt will be in transferable securities (whether in capital markets or money markets or in privately placed debentures or securitised debts or bank deposits or money at call). All investment restrictions stated above shall be applicable at the time of making investment. The Scheme will not enter into any transaction, which exposes it to unlimited liabilities or results in the encumbering of its assets in any way so as to expose them to unlimited liability.

These investment limitations / parameters as expressed / linked to the net asset / net asset value / capital, shall in the ordinary course, apply as at the date of the most recent transaction or commitment to invest. Changes do not have to be effected merely because of appreciation or depreciation in value or by reason of the receipt of any rights, bonuses or benefits in the nature of capital or of any scheme of arrangement or for amalgamation, reconstruction or exchange, or at any repayment or redemption or other reason outside the control of the Fund, any such limits would thereby be breached. If these limits are exceeded for reasons beyond its control, AMC shall adopt as a priority objective the remedying of that situation, taking due account of the interests of the Unitholders.

The Trustee Company in consultation with AMC may alter these above stated limitations from time to time, and also to the extent the Regulations change, so as to permit the Scheme to make its investments in the full spectrum of permitted investments in order to achieve its investment objectives & policies. As such, all investments of the Scheme will be made in accordance with the Regulations including Schedule VII thereof and the Fundamental Attributes of this Scheme.

At RMF, to ensure robust risk management and adequate portfolio diversification internal Investment policy for various debt schemes has been framed. The investment policy at RMF specifies limits both on overall basis (across all schemes) as well as on individual scheme level.

Guidelines for following parameters for liquid as well as non liquid schemes have been specified in the policy:

1. Eligible Instruments: Defines the eligible instruments where the scheme can invest

2. Minimum Liquidity: Defines the instruments considered as liquid instruments and the minimum investments in these instruments as a percentage of total net assets

3. Maximum Illiquid component: Defines the instruments considered as illiquid and the maximum investment that can be made in these instruments as a percentage of net assets.

4. Rating: Defines minimum and/ or maximum investment in a particular rating as a percentage of total portfolio

5. Maturity: Defined the weighted average maturity of a portfolio. Also defines the weighted average maturity, maximum and maturity for certain asset types like corporate bond, PTCs, Gilts etc

Underwriting by the Scheme

The scheme will not accept underwriting and sub underwriting obligations.

Investment by the AMC in the Fund

RCAM reserves the right to invest its own funds in the Scheme upto a maximum extent of its networth. As per SEBI Regulations, such investments are permitted, subject to disclosure being made in the Scheme Information Document. Further, RCAM shall not charge any fees on its investment in the Scheme, unless allowed to do so under SEBI Regulations in the future.

depository

RGETF units will be held in dematerialized form and hence the SEBI (Depositories and Participants) Regulations, 1996 would apply. The service charges payable to the depository participant will form part of annual recurring expenses.

policy for Inter-Scheme Transfers

The Scheme may purchase / sell securities under the Scheme through the mode of Inter-Scheme Transfers, if such a security is under the buy / sell list of this Scheme and is on the sell / buy list of another Scheme under the Fund. Under such circumstances, the transactions will be effected based on the prevailing market price on spot basis and in conformity with Regulations. The valuation of untraded / unquoted securities and debt instruments shall be done in accordance with the general valuation policies of the Fund.

j. HOW HAS THE SCHEME pERFORMEd?

Reliance Gold Exchange Traded Fund - dividend payout Option

01/07/08-30/06/09

01/07/09-30/06/10

01/07/10-30/06/11

Since Inception 22/11/2007

Return on Lumpsum Investment in Scheme (%) 9.33 28.96 15.19 21.53 Return on Lumpsum Investment in Benchmark (Gold Prices (%)

12.00 30.30 16.27 23.51

Lumpsum Amount invested in Rs. 10,000.00 10,000.00 10,000.00 10,000.00 Market value of Scheme in Rs. 10,930 12,887 11,515 20,200 Market Value if invested in Benchmark in Rs. 11,197 13,021 11,622 21,411 Market Value if invested in Benchmark in Rs. 15,203 13,306 12,160 75,338 Market Value if invested in Standardized Benchmark in Rs. 11,183 12,087 10,764 60,202

20

Absolute returns for each financial year for the last 5 years

0.005.00

10.0015.0020.0025.0030.0035.00

22.11.07-31.03.2008

FY 08-09 FY 09-10 FY 10-11

Perc

enta

ge

Period

Reliance Gold ETF vs Prices Of Gold

Reliance Gold ETF Prices Of Gold

past performance may or may not be sustained in future.

It is not necessarily indicative of future results and may not necessarily provide a basis for comparison with other investments.

Point to point returns on investment of Rs. 10,000 are shown from inception of the scheme and for twelve months periods for last 3 years from the last day of the calendar quarter.

Point to Point returns of less than one year are computed on absolute basis and for more than one are provided on CAGR basis

Returns less than 1 year are absolute. Since inception returns in CAGR is also shown. The calculations assume that all payouts during the period have been reinvested in the units of the scheme at the then prevailing NAV.

Performance of dividend option would be net of dividend distribution tax, if any.

Face of value of scheme is Rs. 10/- per unit.

details on disclaimars and Computation have been provided for all the above mentioned Schemes.

Inception date : 22 nov 2007

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III. UnITS And OFFERThis section provides details you need to know for investing in the scheme.

A. nEW FUnd OFFER (nFO)

This section does not apply to the Schemes covered in this SID, as the ongoing offer of the Schemes has commenced after the NFO, and the Units are available for continuous subscription and redemption

However details of the NFO relevant during the ongoing offer are provided below:

plans / Options offered Only Dividend Pay-out Optiondividend policy The dividend warrants shall be dispatched to the unitholders within 30 days of the date of declaration of the

dividend. Dividend declaration / distribution shall be made in accordance with SEBI circular no. SEBI/IMD/CIR No.1/64057/06 dated April 4, 2006 or any amendment thereto from time to time.

The relevant paragraph of the said circular is reproduced herein below:

Dividend Distribution Procedure for Mutual Funds Regulation 53(a) of SEBI (Mutual Funds) Regulations, 1996 permit the mutual funds to distribute returns including dividend.

Unlisted Schemes/Plansa) Quantum of dividend and the record date shall be fixed by the trustees in their meeting. Dividend so

decided shall be paid, subject to availability of distributable surplus.b) Record date shall be the date which will be considered for the purpose of determining the eligibility of

investors whose names appear on the register of unit holders (Benpos as on record date) for receiving dividends. Further, the NAV shall be adjusted to the extent of dividend distribution and statutory levy, if any, at the close of business hours on record date.

c) Within one calendar day of the decision by the trustees, AMC shall issue notice to the public communicating the decision including the record date. The record date shall be 5 calendar days from the issue of notice.

d) Such notice shall be given in one English daily newspaper having nationwide circulation as well as in a newspaper published in the language of the region where the head office of the mutual fund is situated.

e) Before the issue of such notice, no communication indicating the probable date of dividend declaration in any manner whatsoever, may be issued by any mutual fund or distributors of its products.

The Scheme will have only Dividend Payout option.

Dividend declared under the scheme, if any, will be paid to the unit holders within 30 days from the declaration of the dividend. Dividend will be distributed from the available distributable surplus after the deduction of TDS and applicable surcharge etc, if any.

If and when dividends are declared, dividends will be distributed to all unit holders registered on the registers of the depositories on the record date.

nOTE

For all tax related matters referred above, please read the Section of this scheme information document on ‘Tax Benefits’. In view of the individual nature of tax benefits, each investor is advised to consult his or her own tax consultant with respect to the specific tax implications arising out of his or her participation in the scheme.

Effect of dividends

As with the redemption of Units, when dividends are declared and paid with respect to the Scheme, the net assets will stand reduced by an amount equivalent to the product of the number of units outstanding and the dividend amount perunit declared on the record date.

Mode of payment of dividends

Regulation 53(a) of SEBI (Mutual Funds) Regulations, 1996 permits the mutual funds to distribute returns including dividend. As per SEBI regulations, it is mandatory for an investor to provide his / her bank account details for the purpose of payment of dividend / redemption proceeds. Dividend declared under the scheme, if any, will be paid to the unit holders as follows:a) Where the unitholders have a bank account with specific banks with whom the fund has a tie up for

direct credit to the bank account of unitholders, the net dividend amount will be credited directly to the bank account, under intimation to the unit holder by post/email, on a best effort basis after scrutinising the names of the banks where unitholders have their accounts

b) Unitholders who do not wish to avail the above mentioned direct credit facility will receive dividend payments through dividend warrants payable at par . In locations where payable at par facility is not available, dividend payments will be made through demand drafts.

c) Since RGETF shall be a listed scheme, for declaration of dividend, RGETF shall follow the requirements stipulated in the listing agreement.

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It may be noted that the investors of RMF shall be given the payout of dividend as an additional mode of payment through electronic mode as may be specified by Reserve Bank of India from time to time. This is an additional mode of payments over and above existing mode. In order to effect such payments through electronic mode, data validation exercise will be carried out by RCAM through one of the banking channels which will enable RCAM to validate the investor data with the Bank records. It may be noted that if RCAM unable to provide such credits due to various reasons, then payment will be made in accordance with the mode as specified.

Who can invest

This is an indicative list.

Prospective investors are advised to satisfy themselves that they are not prohibited by any law governing such entity and any Indian law from investing in the Scheme and are authorized to purchase units of mutual funds as per their respective constitutions, charter documents, corporate / other authorizations and relevant statutory provisions.

The following persons (subject, wherever relevant, to purchase of units being permitted under their respective constitutions and relevant State Regulations) are eligible to subscribe to the units:

• AdultResidentIndianIndividuals,eithersinglyorjointly(notexceedingthree).• Non–residentIndiansandpersonsofIndianoriginresidingabroad,onfullrepatriationbasisoronnon-

repatriation basis• Parents/LawfulguardiansonbehalfofMinors• AKartaonbehalfof/inthenameofHUFHinduUndividedFamily(HUF)• Companies(includingPublicSectorUndertakings),BodiesCorporate,Trusts(throughTrustees)andCo-

operative Societies• Banks(includingRegionalRuralBanks)andFinancialInstitutions• Religious andCharitableTrusts (throughTrustees), PrivateTrusts authorised to invest inMutual Fund

schemes under their Trust Deeds• ForeignInstitutionalInvestorsregisteredwithSEBI• SpecialPurposeVehicles(SPVs)approvedbyappropriateauthority(subjecttoRBIapproval)• InternationalMultilateralAgenciesapprovedbytheGovernmentofIndia• Army/Navy/AirForce/ParaMilitaryUnitsandothereligibleinstitutions• UnincorporatedbodyofpersonsasmaybeacceptedbyRelianceCapitalTrusteeCo.Limited• PartnershipFirms• ScientificandIndustrialResearchOrganisations• Trustee,AMCorSponsorortheirassociatesmaysubscribetoUnitsundertheSchemes.• AuthorisedParticipants

• Reliance Gold Savings Fund can also buy / sell the units from the fund in Creation Unit Size. The investments could be made either directly in RGETF or through the secondary market. This facility would provide Reliance Gold Savings Fund an additional source to purchase the units through RCAM in addition to the stock exchange route.

Such other individuals/institutions/body corporate etc., as may be decided by the AMC from time to time, so long as wherever applicable they are in conformity with SEBI Regulations.note :

1. Non Resident Indians (NRIs) and Persons of Indian Origin (PIOs) residing abroad / Foreign Institutional Investors (FIIs) have been granted a general permission by Reserve Bank of India Schedule 5 of the Foreign Exchange Management (Transfer or Issue of Security by a Person Resident Outside India) Regulations, 2000 for investing in / redeeming units of the mutual funds subject to conditions set out in the aforesaid regulations. Allotment of units for subsequent purchases by NRIs / FIIs / SPVs / International Multilateral Agencies / PIOs shall be in accordance with RBI rules in force.

2. In case of application under a Power of Attorney or by a limited company or a corporate body or an eligible institution or a registered society or a trust fund, the original Power of Attorney or a certified true copy duly notarised or the relevant resolution or authority to make the application as the case may be, or duly notarised copy thereof, alongwith a certified copy of the Memorandum and Articles of Association and/or bye-laws and / or trust deed and / or partnership deed and Certificate of Registration should be submitted. The officials should sign the application under their official designation. A list of specimen signatures of the authorized officials, duly certified / attested should also be attached to the Application Form. In case of a Trust / Fund it shall submit a resolution from the Trustee(s) authorising such purchases and redemptions.

RCAM reserves the right to invest its own funds in the Scheme(s) upto a maximum extent of its networth. As per SEBI Regulations, such investments are permitted, subject to disclosure being made in the respective Scheme information documents (s). Further, RCAM shall not charge any fees on its investment in the Scheme (s), unless allowed to do so under SEBI Regulations in the future.

It is expressly understood that at the time of investment, the investor/unitholder has the express authority to invest in units of the Scheme and the AMC / Trustee / Mutual Fund will not be responsible if such investment is ultra-vires the relevant constitution.

RCAM reserves the right to include / exclude new / existing categories of investors to invest in this Scheme from time to time, subject to SEBI Regulations, if any.

23

Right to Review Applications

RCAM reserves the right to scrutinize, review and reject any application received during the new fund offer period or on an ongoing basis, at its discretion, without assigning any reason, in cases where, according to RCAM, accepting the same would not be in the best interests of the Fund.

How to Apply 1) Application Forms will be available at the Designated Investor Service Centers of Reliance Mutual Fund, its Distributors and the office of the Registrar.

2) Applications must be completed in block letters in English and duly signed by all the applicants.

3) Applications complete in all respects may be submitted before closure of New Fund Offer Period at the designated branches of collecting bankers at locations mentioned in the Application Form.

4) During the continuous offer, investors can buy units of RGETF on a continuous basis on the National Stock Exchange and/or other recognised stock exchanges where units are listed and traded like any other publicly traded securities at market prices which may be close to the actual NAV of the scheme. The trading lot is one RGETF unit. Alternatively, Authorised Participant can directly buy in blocks from the fund in ‘Creation Unit’ Size on any business day.

5) The Registrars shall allot admissible units to the investor which shall be credited to the investor’s beneficiary account with a Depository Participant (DP) of CDSL or NSDL under suitable intimation to the investor.

For further details, please refer to the SAI and Application form for the instructions.

bAnk ACCOUnT dETAILS

In order to safeguard the interest of unitholders from loss or theft of their redemption cheques or dividend warrant, SEBI has made it mandatory for investors to provide their bank account details. Application Forms without bank details are liable to be rejected.

dEMAT ACCOUnT

The applicants under the Scheme (including a transferee) will be required to have a beneficiary account with a Depository Participant of NSDL/CDSL and will be required to indicate in the application the DP’s name, DP ID Number and its beneficiary account number with DP. In absence of the information in respect of DP ID/ Client ID the applications shall be rejected.

b. OnGOInG OFFER dETAILS

Ongoing Offer period

This is the date from which the scheme will reopen for subscriptions/redemptions after the closure of the NFO period.

An investor can buy/sell units of RGETF on a continuous basis on the National Stock Exchange and/or other recognised stock exchanges where units are listed and traded like any other publicly traded securities at market prices which may be close to the actual NAV of the scheme.

The trading lot is one RGETF unit. Investors can purchase units at market prices, which may be at a premium/discount to the NAV of the scheme depending upon the demand and supply of units at the exchanges.

Alternatively, Authorised Participants can directly buy /sell in blocks from the fund in ‘Creation Unit’ Size on any business day. Mutual fund will also repurchase units from Authorised Participants on any business day provided the units offered for repurchase is not less than 1000 units and multiples of 1 thereafter.

The AMC will appoint Authorised Participants to provide liquidity in secondary market on an ongoing basis. The Authorised Participants would offer daily two way quote in the market

Ongoing price for subscription (purchase)/switch-in (from other schemes/plans of the mutual fund) by investors.

This is the price you need to pay for purchase/switch-in.

At the applicable NAV subject to prevailing entry loads, if any.

Purchase Price: The Purchase Price will be calculated in the following way:

Purchase Price = Applicable NAV

The Redemption Price will be released to the press daily for being published in the newspaper, as prescribed under the Regulations, from time to time.

Currently, redemptions shall be affected at applicable NAV based prices subject to exit loads. RCAM may revise the above pricing structure and transaction timings from time to time, subject to an exit load chargeable in accordance with the Regulations. However, any such revision shall be in accordance with SEBI Regulations and would be applicable only to units subscribed to after the initial date of such notification on a prospective basis.

Ongoing price for redemption (sale) /switch outs (to other schemes/plans of the Mutual Fund) by investors.

This is the price you will receive for redemptions/switch outs.

Example: If the applicable NAV is Rs. 10, exit load is 2% then redemption price will be:

Rs. 10* (1-0.02) = Rs. 9.80

At the applicable NAV subject to prevailing exit load, if any.

Redemption price : The Redemption Price will be calculated in the following way :

Redemption Price = Applicable NAV x (1- Exit Load)

Example: If the applicable NAV is Rs. 10.00, sales/entry load is 2 per cent and the exit/repurchase load is 2 percent then the sales price will be Rs. 10.20 and the repurchase price will be Rs. 9.80.

The Fund will ensure that the Redemption Price is not lower than 93% of the NAV and the Purchase Price is not higher than 107% of the NAV, provided that the difference between the Redemption Price and Purchase Price of the Units shall not exceed the permissible limit of 7% of the Purchase Price, as provided for under the current Regulations.

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Cut off timing for subscriptions/ redemptions/ switches

This is the time before which your application (complete in all respects) should reach the official points of acceptance.

The scheme will provide a redemption option for the fractional units allotted to the unitholders of the scheme on an ongoing basis. Amount payable towards the fractional redemption will be calculated based on the NAV as on the day of transfer of units into AMC redemption subject to cut-off timings and the applicable NAV declared by the AMC.Applicable nAv for purchase/Creation/Redemption of Units directly From the FundAuthorised participantsThe Authorised Participants can directly buy/sell the units from the Fund in Creation Unit Size as defined above on all working days as follows: The Fund creates / redeems RGETF in large blocks known as “Creation Unit”. The value of the “Creation Unit” is the basket of Underlying Gold called as the “Portfolio Deposit” and a “Cash Component” which will be exchanged for a fixed number of RGETF. The Portfolio Deposit and the Cash Component, which defines the Creation Unit are explained separately below. The Portfolio Deposit and Cash Component may change from time to time and will be announced by AMC/Fund through its website and other data providers.i) CreationIn respect of valid applications received upto 3 p.m. by the Mutual Fund alongwith a local cheque or a demand draft payable at par at the place where the application is received, the closing NAV of the day on which application is received shall be applicable.In respect of valid applications received after 3 p.m. by the Mutual Fund alongwith a local cheque or a demand draft payable at par at the place where the application is received, the closing NAV of the next business day shall be applicable.

ii) RedemptionsIn respect of valid applications received upto 3 p.m. by the Mutual Fund, closing NAV of the day of receipt of application, shall be applicable.In respect of valid applications received after 3 p.m. by the Mutual Fund, the closing NAV of the next business day shall be applicable.Applications for redemption of RGETF units (by authorized participants only) have to be submitted in the prescribed format duly completed and signed along with the delivery order duly receipted by the DP stating the number of units transferred to the scheme’s DP account. Application for redemption by non-individuals should be accompanied by certified copy of the board/governing body resolution clearly authorizing the official concerned to redeem units and to receive/ collect gold/cash after complying with operational procedure and formalities. The application for redemption in the prescribed form will have to be submitted at the designated ISC of the fund before the cut off time. The expenses associated with taking physical delivery of gold will have to be borne by the authorized participant / investor.

Where can the applications for purchase/redemption switches be submitted?

Authorised Participants may submit / mail the completed application forms at any of the Designated Investor Service Centers of Reliance Mutual Fund. The addresses of the Designated Investor Service Centers are mentioned in this Scheme information document. Investors in cities other than where the Designated Investor Service Centers (DISC) are located, may send their application forms to any of the nearest DISC, accompanied by Demand Draft/s payable locally at the DISC

Minimum amount for purchase / redemption / switches

Minimum Application AmountPurchases directly from the Mutual Fund is restricted to Authorised Participants RCAM may revise the minimum / maximum amounts and the methodology for subscriptions as and when necessary in the Scheme. Such change may be brought about after taking into account the cost structure for a transaction/account and /or market practices etc. and shall be applicable to transactions from the date of such a change, on a prospective basis.Minimum RedemptionMinimum number of units that can be bought or sold on the exchange is 1 (one) unit.Reliance AMC will redeem units only in Creation Unit size. Mutual fund will repurchase units from Authorised Participants on any business day provided the units offered for repurchase is not less than 1000 units.and multiples of 1 thereafter.Exchange The minimum number of Units that can be bought or sold on the exchange is 1 (one) unit and in multiple of 1 (one) unit.

Minimum balance to be maintained and consequences of non maintenance.

Not Applicable

RCAM reserves the right to close an investor’s account if the value of the unit balance in the account falls below the minimum subscription amount under the scheme. In such an event, RCAM reserves the right to compulsorily redeem the balance units in the account completely at the applicable redemption price.

The Fund may revise the minimum/maximum amounts and methodology for redemptions as and when necessary. Such change may be brought about after taking into account the cost structure for a transaction / account and / or Market practices and / or the interest of the unit holders. Further such changes shall be carried out on a prospective basis from the date of notification of such change and would not, in any manner, be prejudicial to the interests of the investors who have joined the scheme before such notification. Any changes would be informed to unit holders by way of an advertisement.

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Special products available none of the special products including Flexible Asset Seletion Tool (FAST) Shall be available in the scheme.

Accounts Statements Units issued by the AMC under the scheme shall be credited to the investor’s beneficiary account with a Depository Participant (DP) of CDSL or NSDL. The AMC will endeavour to credit the units to the beneficiary account of the unitholder within five business days from the date of receipt of credit of the Cash/Physical Gold.

The AMC shall issue intimation about the allotment of units to investors whose beneficiary accounts are credited on allotment of units under the scheme within thirty days of allotment either through physical form or through email as may be decided by the Fund from time to time. The Account Statement of the Beneficiary Account with the DP will be sent by the respective DPs periodically.

The Account Statement of the Beneficiary Account with the DP will be sent by the respective DPs periodically.

The Scheme-wise Annual Report of RMF will be prepared and an abridged summary of the Annual Report will be published through an advertisement and mailed to all unitholders as soon as may be but not later than four months from the date of the closure of the relevant financial year.

Right to reject any application

The AMC, under powers delegated by the Trustee, shall have absolute discretion to reject any application, prevent further transactions by a Unit Holder, delay processing redemption as per applicable laws or regulations if :

a) after due diligence, the investor / Unit Holder / a person making the payment on behalf of the investor does not fulfil the requirements of the “Know Your Customer” as determined by the AMC or the AMC believes that the transaction is suspicious in nature as regards money laundering.

b) the AMC determines in its sole discretion that the application does not or will not comply with any applicable laws or regulations.

In this regard the AMC reserves the right to reject any application and effect a mandatory Redemption of Units allotted at any time prior to the expiry of 30 days from the date of the allotment.

Time lag in procurement/redemption of physical gold: - Procurement of gold bars may take upto 1 month in case of adverse shortage of gold bars. It may not be possible to sell gold bar intentionally and may delay redemption depending on the market conditions.

delay in payment of redemption / repurchase proceeds

The Asset Management Company shall be liable to pay interest to the unitholders at such rate as may be specified by SEBI for the period of such delay (presently @ 15% per annum).

No interest will be payable on any subscription money refunded within 5 working days. If the Fund refunds the amount after 5 working days. interest @ 15% p.a. will be paid to the applicant and borne by the AMC for the period from the day following the date of expiry of 5 workimg days. until the actual date of the refund. Refund orders will be marked “A/c. payee only” and drawn in the name of the applicant in the case of a sole applicant and in the name of the first applicant in all other cases. In both cases, the bank account number and bank name, as specified in the application, will be mentioned in the refund order. The bank and/ or collection charges, if any, will be borne by the applicant. All the refund payments will be mailed by registered post or as required under Regulations.

policy on Unclaimed Redemption and dividend Amounts

As per SEBI guidelines, the unclaimed redemption and dividend amounts shall be deployed in call money market or money market instruments only or such other instruments, as permitted under Regulations. The investors who claim such amounts during the period of three years from the due date shall be paid at the prevailing Net Asset Value. After a period of three years, this amount will be transferred to a pool account and the investors can claim the amount at NAV prevailing at the end of the third year. The income earned on such funds shall be used for the purpose of investor education.

The Fund will make continuous efforts to remind the investors through letters to take their unclaimed amounts. Further, the investment management fee charged by AMC for managing unclaimed amounts shall not exceed 50 basis points.

Allotment 1) Each unit of RGETF will be approximately equal to the closing price of 1 (one) gram of gold on the date of allotment.

2) Each unit of RGETF being offered will have a face value of Rs.100/-. The number of units allotted would be the total amount invested divided by the Allotment Price. In other words The RGETF being offered will have a face value of Rs100/- each and will be issued at a premium equivalent to the difference between the allotment price and the face value of Rs. 100/-.

3) RGETF will be available in the Dematerialized form.

4) The applicant under the Scheme will be required to have a beneficiary account with a Depository Participant of NSDL/CDSL and will be required to indicate in the application the DP’s name, DP ID Number and its beneficiary account number with DP.

5) Authorised Participant can directly buy / sell Units in blocks from the Fund in ‘Creation Unit’ size, as defined in this Scheme information document on all working days.

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Since RGETF are to be issued / repurchased and traded compulsorily in dematerialized form, no request for rematerialisation of RMF will be accepted.

For Subscriptions received at the DISC’s within the cut-off timings and considered accepted for that day, the units will be allotted as per the applicable NAV. RCAM, in consultation with the Trustees reserves the right to discontinue/ add more options at a later date subject to complying with the prevailing SEBI guidelines and Regulations.

RCAM, in consultation with the Trustees, reserves the right to change the Load structure if it so deems fit in the interest of smooth and efficient functioning of the Scheme, on a prospective basis.

Rounding off of Units Based on the Allotment Price, the number of Units allotted to the nearest unit.

Settlement of purchase/sale of RGETF units on the stock exchange:

Buying / Selling RGETF units on the stock exchange is similar to buying / selling any other listed securities. If an investor has sold units, an investor has to deliver the units to the broker/ sub-broker before the securities pay-in day of the settlement cycle on the exchange. The units (in case of units bought) and the funds (in the case of units sold) are paid out to the broker on the payout day of the settlement cycle on the exchange. The exchange regulations stipulate that the trading member should pay the money or units to the investor within 24 hours of the payout. (SEBI SMD/POLICY/Cir-/03 dated February 6, 2003).

If an investor has bought units, he should give standing instructions for ‘Delivery-In’ to his/her DP for accepting units in his/her beneficiary account. An investor should give the details of his/her beneficiary account and the DP-ID of his/her DP to his/her trading member. The trading member will transfer the units directly to his/her beneficiary account on receipt of the same from exchange’s clearing corporation.

An investor who has sold units should instruct his/her Depository Participant (DP) to give ‘Delivery Out’ instructions to transfer the units from his/her trading member through whom he/she have sold the units.

The details of the pool A/c of investor’s trading member to which the units are to be transferred, unit quantity etc. should be mentioned in the delivery out instructions given by him/her to the DP. The instructions should be given well before the prescribed securities pay-in day. SEBI has advised that the delivery out instructions should be given atleast 24 hours prior to the cut off time for the prescribed securities pay in to avoid any rejection of instructions due to data entry errors, network problems, etc.

Rolling Settlement

As per the SEBI’s circular dated March 4, 2003, the rolling settlement on T+2 basis for all trades has commenced from April 1, 2003 onwards. The Pay-in and Pay-out of funds and the units will take place 2 working days after the trading date. The pay-in and pay-out days for funds and securities are prescribed as per the Settlement Cycle. A typical Settlement Cycle of Rolling Settlement is given below:

Day Activity

T The day on which the transaction is executed by a trading member

T+1 Confirmation of all trades including custodial trades by 11.00 a.m.

T+1 Processing and downloading of obligation files to brokers /custodians by 1.30 p.m.

T+2 Pay-in of funds and securities by 11.00 a.m.

T+2 Pay out of funds and securities by 1.30 p.m.

While calculating the days from the Trading day (Day T), weekend days (i.e. Saturday and Sundays) and bank holidays are not taken into consideration.

Redemption Redemption of Units

All investors may sell their units in the stock exchange(s) on which these units are listed on all the trading days of the stock exchange. Mutual fund will repurchase units from Authorised Participants on any business day provided the units offered for repurchase is not less than 1000 units and multiples of 1 thereafter. In case the fund is not in a position to sell the underlying gold in the market to generate cash, the fund reserves the right to / may exercise the option of redeeming the units of RGETF in the form of physical gold.

The Authorised Participants may opt to take delivery of physical gold instead of redemption proceeds in cash, subject to a minimum of 1000 units. In such a scenario, the Authorised Participants will have to collect the gold bar(s) from the Custodian at their own cost as per procedure prescribed by the AMC & its Custodian from time to time.

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Redemption procedure Redemption procedure

Applications for redemption of RGETF units have to be submitted in the prescribed format duly completed and signed along with the delivery order duly receipted by the DP stating the number of RGETF units transferred to the scheme’s DP account. Application for redemption by non-individuals should be accompanied by certified copy (ies) of the board/governing body resolution clearly authorizing the official concerned to redeem units and to receive/collect securities/cash after complying with operational procedure and formalities. The application for redemption on a prescribed form will have to be submitted at the designated ISC before the cut off time. The number of units available for redemption in the account of the unitholder will be confirmed by the Registrars with the records maintained and downloaded by the depository with which the unitholder is holding the depository account. Redemption request will be processed further if the records as mentioned above show that the depository account has adequate number of units. The time taken for confirmation of redemption of units is dependent upon the download frequency that depository may permit. The registrar will instruct the custodian to sell the number of units to be redeemed. Redemption proceeds will be sent to the unitholder within 10 working days from the date of confirmation with the depository records.

procedure for Redeeming RGETF in Creation Unit Size

The requisite number of RGETF units equaling the Creation Unit has to be transferred to the Fund’s DP account and the Cash Component to be paid to the AMC / Custodian. On confirmation of the same by the AMC, the Custodian will transfer the Portfolio Deposit by handing over the physical Gold of the predefined purity and quantity to the investor and pay the Cash Component, if applicable.The AMC may redeem Creation Unit of RGETF prior to receipt of all or portion of the relevant RGETF in certain circumstances where the purchaser, among other things, posts collateral to secure its obligation to deliver such outstanding RGETF units. The Portfolio Deposit and Cash Component for the RGETF may change from time to time due to change in NAV. The Fund may from time to time change the size of creation unit size in order to equate it with marketable lot of underlying physical gold.

The procedures by which an authorized participant can redeem one or more baskets will be same as the procedures for the creation of units. On any business day, an authorized participant may send a redemption request to the AMC. The registrar will instruct the custodian to sell the number of units to be redeemed and the mode of redemption (physical gold or cash). The custodian will deliver the gold in physical form to the nearest 100 gram and the balance amount will be paid in cash. The number of Units so redeemed will be subtracted from the unitholder’s account balance and a statement to this effect will be issued to the unitholder.

In case the balance in unitholder’s account does not cover the amount of redemption request, the Fund may close the unitholder’s account and send the entire (lesser) balance to the unitholder, provided further that if the unitholder has made a partial redemption request which results in balance of units to fall below minimum application amount as per the latest NAV, the fund may close the unitholders account & redeem all units in the folio & remit the entire redemption proceeds to the investors. If an investor has purchased Units on more than one working day, the Units purchased prior in time (i.e. those Units which have been held for the longest period of time), will be deemed to have been redeemed first, i.e. on a First In First Out Basis.

Units purchased by cheque or draft will not be redeemed until the realisation of the cheque/DD.The procedure relating to purchase and sale of units by different types of investors/participants in the scheme is tabulated for easy reference:

Mode of purchase/Redemption Sale of units by Mutual Fund Redemption of units by unit holders

Authorized ParticipantsLarge InvestorOther investors

Cash and / or Gold^Only through stock exchange Only through stock exchange

Cash and / or Gold#Only through stock exchange #Only through stock exchange

^ Authorised Participants are required to transfer either requisite gold constituting the Portfolio Deposit to the fund’s Designated DP account OR equivalent cash, while the balance Cash Component, if any has to be paid to the AMC.

# Mutual fund will repurchase units from Authorised Participants on any business day provided the units offered for repurchase is not less than 1000 units and multiples of 1 thereafter and multiples of 1 thereafter.

In case the fund is not in a position to sell the underlying gold in the market to generate cash, the fund reserves the right to / may exercise the option of redeeming the units of RGETF in the form of physical gold.

Mode of purchase/Redemption Sale of units by Mutual Fund Redemption of units by unit holders

Authorized Participants

Large InvestorOther investors

Any business day in creation unit* SizeOnly through stock exchange Only through stock exchange

Any business day in creation unit* SizeOnly through stock exchange Only through stock exchange

*Creation unit as defined in the definition

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The Authorised Participants may opt to take delivery of physical gold instead of redemption proceeds in cash, subject to a minimum of 1000 units. In such a scenario, the Authorised Participants will have to collect the gold bar(s) from the Custodian at their own cost as per procedure prescribed by the AMC & its Custodian from time to timeAggregate Fees and expenses charged to the Scheme - The AMC has estimated that following % of the weekly average net assets of the scheme will be charged to the scheme as expenses for the actual current expenses being charged, the investor should refer to the website of the mutual fund.An investor can buy/sell units of RGETF on a continuous basis on the National Stock Exchange and/or other recognised stock exchanges where units are listed and traded like any other publicly traded securities at market prices which may be close to the actual NAV of the scheme. The trading lot is one RGETF unit. Investors can purchase units at market prices, which may be at a premium/discount to the NAV of the scheme depending upon the demand and supply of units at the exchanges. Alternatively, Authorised Participants can directly buy /sell in blocks from the fund in ‘Creation Unit’ Size on any business day. Mutual fund will also repurchase units from Authorised Participants on any business day provided the units offered for repurchase is not less than 1000 units. The AMC will appoint Authorised Participants to provide liquidity in secondary market on an ongoing basis. The Authorised Participants would offer daily two way quote in the market.The trading will be as per the normal settlement cycle. Alternatively, Authorised Participants can directly buy / sell Units in blocks from the Fund in ‘Creation Unit’ size, as defined in this Scheme information document on all working days. Mutual fund will repurchase units from Authorised Participants on any business day provided the units offered for repurchase is not less than 1000 units .The Unit Holders may note that even though this is an open-ended scheme, the Scheme would ordinarily repurchase Units in Creation Unit size. Thus unit holdings less than the Creation Unit size can normally only be sold through the secondary market, unless no quotes are available on the Exchange for 2 trading days consecutively. Further, the price received upon the redemption of RGETF units may be less than the value of the gold represented by them. The result obtained by subtracting the Fund’s expenses and liabilities on any day from the price of the gold owned by the fund on that day is the net asset value of the fund which, when divided by the number of units outstanding on that date, results in the net asset value per unit, or NAV.Authorised Participant can directly buy / sell Units in blocks from the Fund in ‘Creation Unit’ size, as defined in this Scheme information document on all working days.Since RGETF are to be issued / repurchased and traded compulsorily in dematerialized form, no request for rematerialisation of RMF will be accepted.In case the fund is not in a position to sell the underlying gold in the market to generate cash, the fund reserves the right to / may exercise the option of redeeming the units of RGETF in the form of physical gold. Type of investor and transaction Sale of units by Mutual Fund Redemption.

Restrictions, if any, on the right to freely retain or dispose of units being offered

Suspension of purchase and Redemption of UnitsThe purchase and/or redemption of Units may be suspended with prior approval of Trustees and Asset Management Company giving the details of circumstances and justification for the proposed action shall also be informed to SEBI in advance, temporarily or indefinitely when any of the following conditions exist at one/more Designated Investor Service Center’s:1. When the bullion markets in London and forex markets which provide basis for valuation are closed

otherwise than for ordinary holidays.2. When, as a result of political, economic or monetary events or any circumstances outside the control

of the Trustee and the AMC, the disposal of the assets of the Scheme is not reasonable, or would not reasonably be practicable without being detrimental to the interests of the Unit holders.

3. In the event of breakdown in the means of communication used for the valuation of investments of the Scheme, without which the value of the securities of the Scheme cannot be accurately calculated.

4. During periods of extreme volatility of markets, which in the opinion of the AMC are prejudicial to the interests of the Unit holders of the Scheme.

5. In case of natural calamities, strikes, riots and bandhs.6. In the event of any force, majeure or disaster that affects the normal functioning of the AMC or the

Registrar.7. If so directed by SEBI. The normal time taken to process redemption and/ or purchase requests, as mentioned earlier, may not

be applicable during such extraordinary circumstances. However, suspension or restriction of repurchase/ redemption facility under any scheme of the

Mutual Fund shall be made applicable only after the approval from the Board of Directors of the Asset Management Company and the Trustee Company.

The approval from the AMC Board and the Trustees giving details of circumstances and justification for the proposed action shall also be informed to SEBI in advance.

RMF also reserves the right at its sole discretion to withdraw sale of Units in the Scheme temporarily or indefinitely, if the AMC views that increasing the Scheme’s size further may prove detrimental to the existing unit holders of the Scheme.

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An order/ request to purchase Units is not binding on and may be rejected by the Trustee, the AMC or their respective agents, unless it has been confirmed in writing by the AMC or its agents and (or) payment has been received.

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

pledge / Assignment of units permitted only in favour of banks/other financial institutions

a) The uniholders may pledge/assign units in favour of banks/other financial institutions as a security for raising loans.

b) Units can be pledged by completing the requisite forms/formalities as may be required by the Depository. The pledger may not be allowed to redeem/ transfer the units so pledged until the bank/ financial institution to which the units are pledged provides a written authorization to the Depository that the pledge/charge/lien may be removed.

c) As the units of the Scheme will be issued and held in Demat form, the rules of Depository applicable for pledge will be applicable for Pledge/Assignment of the units of the Scheme.

d) Pledgor and Pledgee must have a beneficial account with the Depository. These accounts can be with the same DP or with different DPs. Pledgor will instruct its DP to create a pledge request by submitting a “Pledge Form” with a tick on “Create Pledge”.

e) Pledgor will inform the pledgee about the creation of pledge request by giving a copy of the pledge report obtained from its DP.

f) Pledgee may instruct its DP to confirm the creation of pledge by submitting a “Pledge Form” with a tick on “Confirm creation of Pledge”. The pledge gets created in favour of the pledgee only when the pledgee’s DP confirms the creation of pledge in the system.

g) Pledge does not get created in the System until the Pledgee’s DP confirms the pledge. Pledgee may obtain pledge report from its DP and verify creation of pledge.

h) After the loan is repaid, the pledgor will instruct its DP to close the pledge by submitting the “Pledge Form” with a tick on “Close Pledge”. The pledgee will instruct its DP to confirm the closure of pledge by submitting the “Pledge Form” with a tick on “Confirm Closure of Pledge”.

i) The pledge is closed in the system on executing the instruction in the system by both the DPs. A pledgor’s DP alone cannot close the pledge.

j) If the loan is not repaid, the pledgee, after giving notice to the pledgor as per the terms of the agreement, may instruct its DP to invoke the pledge by submitting the “Pledge Form” with a tick on “Invoke Pledge”. On execution of this instruction, the securities are transferred into the pledgee’s account. This does not require any confirmation from the pledgor.

k) The pledgor will continue to receive dividend on the pledged securities. The pledgee will get the benefits only if a pledge is invoked and on record date the shares are in the pledgee’s account.

Transmission In case of death of the unitholder, Units shall be transmitted in favour of the second-named joint holder or nominee, as the case may be, on production of a death certificate or any other document to the satisfaction of the Fund. Since the units of the scheme will be issued in electronic form in the Demat account of the investor, the nomination as registered with the Depository Participant will be applicable to the units of the scheme. A Nomineee / legal heir approaching the fund for Transmission of units must have beneficiary account with a Depository Participant of CDSL or NSDL, since the units shall be in electronic mode.

procedure for Creating Reliance RGETF in Creation Unit Size

As mentioned above, Authorised Participants are required to transfer either requisite gold constituting the Portfolio Deposit to the fund’s Designated DP account OR equivalent cash, while the balance Cash Component, if any has to be paid to the AMC. On confirmation of the same by the Custodian / AMC, the AMC will endeavour to create and credit the equivalent number of RGETF into the DP account of Authorised Participants within 3 business days from the date of receipt of credit of the Portfolio Deposit to the extent of such Deposit. The AMC may create “Creation Unit” prior to receipt of all or a portion of the relevant Portfolio Deposit and Cash Component in certain circumstances where the purchaser, among other things, posts collateral to secure its obligation to deliver such outstanding Portfolio Deposit Securities and Cash Component.

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The AMC reserves the right to adjust the number of Units to be credited /credited in case the instrument towards the cash component is not honoured. Purchase request for Creation Units shall be made by such investor to the Fund/AMC where upon the Fund/AMC will arrange to buy the underlying portfolio securities. In such circumstances, applicable NAV for Creation Units will be the Net Asset Value per Unit at the close of the Working Day on which the proceeds are made available to the Fund for investments by the Bank, in the normal course of clearing.

The creation request can be made to the fund in a duly filled application form. Application Forms for Creation Units of RGETF can be obtained from the Designated Investor Service Centres of the fund. It may be noted that the application for Creation of Units can be made only at the designated Offices of the AMC as the AMC may decide from time to time.‘Creation Unit’ is a fixed number of RGETF, which is exchanged for Portfolio Deposit which would consist of physical Gold of defined purity and quantity and/or Cash Component. The facility of creating/redeeming units in Creation Unit size will be available with the Authorised Participants (whose names will be available on the website of the Fund i.e. (www.reliancemutual.com) on the ongoing basis. Each creation unit consists of 1000 units of RGETF and cash component, if any.

nomination a) Since the units of the scheme will be issued in electronic form in the depository account of the unit holder, the nomination registered with the Depository will be applicable to the units of the scheme.

b) Such nomination including any variation, cancellation or substitution of Nominee(s) shall be governed by the rules and bye-laws of the Depository.

c) Payment to the nominee of the sums shall discharge the Fund of all liability towards the estate of the deceased unit holder and his/her legal successors/legal heirs.

d) Nomination can be made only by the individuals holding beneficiary (DP) accounts either singly or jointly. Non-individuals including society, body corporate, partnership firms, Karta of HUF, holder of power of attorney can not nominate. Only an individual including NRI can be a nominee. However nomination of NRI is subject to exchange control regulations in force from time to time.

e) Society, trust, body corporate, partnership firm, Karta of HUF or Power of Attorney holder cannot be appointed as a Nominee.

f) Minor can also be appointed as a nominee. However the guardian will sign on behalf of the nominee and in addition to the name and photograph of the nominee, the name and address and the photograph of the guardian must be submitted to DP. Only one nomination can be made for each depository account.

g) The nomination form duly filled in should be submitted to the Depository Participant (DP) either at the time of account opening or later. The account holder, nominee and two witness must sign the form and the name, address and photograph of the nominee must be submitted If the nomination was not made at the time of account opening, it can be made subsequently by submitting the nomination form.

h) Nomination can be changed anytime by the account holder(s) by simply filling up the nomination once again and submitting it to the DP.

i) In case nomination has been made for DP account with joint holders, in case of death of any of the joint holder(s), the securities will be transmitted to the surviving holder(s). Only in the event of death of all the joint holders, the securities will be transmitted to the nominee.

j) In case nomination is not made by the sole holder of DP account, the securities would be transmitted to the account of legal heir(s), as may be determined by an order of the competent court. However in case where the value of securities to be transmitted is less than Rs.1,00,000/- the DP may process the request based on the submissions of necessary letter of indemnity, surety, affidavits and NOC documents.

dematerialisation a) RGETF units will be available only in the Dematerialized form.

b) The applicant under the Scheme will be required to have a beneficiary account with a Depository Participant of NSDL/CDSL and will be required to indicate in the application the DP’s name, DP ID Number and its beneficiary account number with DP.

c) Since RGETF are to be issued / repurchased and traded compulsorily in dematerialized form, no request for rematerialisation of RMF will be accepted.

Listing The Fund would endeavor to get the units of the Scheme listed on the National Stock Exchange and/or any other stock exchange(s) as may be decided by the AMC within 30 days from the closure of the New Fund Offer period, subsequent buying or selling by investors can be made from the secondary market on the NSE.

The minimum number of units that can be bought or sold through the stock exchange is 1 (one) unit.Mode of payment a) Portfolio deposit: The authorized participant will be required to deposit gold of the pre-specified purity

with the custodian in the proportion as declared by AMC from time to time.

b) Cash Component : For the cash component all cheques, bank drafts and pay order should be drawn in favour of ““Reliance Gold Exchange Traded Fund A/c PAN” or Reliance Gold Exchange Traded Fund A/c First Investor Name ” and be crossed “Account Payee Only”. If the cheque / Draft towards cash component is not honoured for any reason whatsoever, the application shall be rejected.

Allotment of Units against the investment made under the scheme shall be subject to realization of instrument thereof.

31

payments by Following Modes Will not be Accepted• Stock-invests• Cash• OutstationCheques• Post-DatedCheques(exceptinthecaseofSystematicInvestmentPlan)RCAM may specify various other modes of payment from time to time. Application under power of AttorneyIn the case the application made under a Power of Attorney (PoA), a duly attested copy of the Power of Attorney must be lodged along with the Application. The PoA Document must contain the signatures of both the PoA Executor and PoA holder.

Third party Cheques Third party Cheques Investment/subscription made through third party cheque(s) will not be accepted for investments in the units of Reliance Mutual Fund barring few exception issued by AMFI from time to time for the ‘third party payments’. For more details refer to SAI.

Multiple bank accounts The unit holder/ investor can register multiple bank account details under its existing folio by submitting separate form available on the website of the AMC at www.reliancemutual.com. For more details refer to SAI.

know Your Client (kYC) norms

With effect from 1st January 2011, KYC (Know Your Customer) norms are mandatory for all investors for making investments in Mutual Funds, irrespective of the amount of investment except PAN based KYC for investments in Micro SIPs of upto 50000 per year per investor and Investments from Investors residing in Sikkim.. For more details refer to SAI.

C. pERIOdIC dISCLOSURES

net Asset valueThis is the value per unit of the scheme on a particular day. You can ascertain the value of your investments by multiplying the NAV with your unit balance.

The AMC will calculate and disclose the NAV at the close of every Business Day which shall be published in at least two daily newspapers and also uploaded on the AMFI site www.amfiindia.com and RMF site i.e. www.reliancemutual.com.

Half yearly disclosures: portfolio / Financial Results This is a list of securities where the corpus of the scheme is currently invested. The market value of these investments is also stated in portfolio disclosures.

Before expiry of one month from the close of each half year that is on 31/3 and 30/9, the Fund shall publish its un-audited / audited financial results in one national English daily newspaper and in a newspaper in the language of the region where the Head Office of the fund is situated. These shall also be displayed on the web site of the RMF that is www.reliancemutual.com and that of AMFI www.amfiindia.com.

Full portfolio in the prescribed format shall also be disclosed either by publishing it in the newspapers or by sending to the unitholders within one month from the end of each half-year and it shall also be displayed on the web site of mutual fund.

Half Yearly Results

Annual Report Scheme wise Annual Report or an abridged summary thereof shall be mailed to all unitholders within four months from the date of closure of the relevant accounts year i..e. 31st March each year.

Associate Transactions Please refer to Statement of Additional Information (SAI).

Taxation The information is provided for general information only. However, in view of the individual nature of the implications, each investor is advised to consult his or her own tax advisors/authorised dealers with respect to the specific amount of tax and other implications arising out of his or her participation in the schemes.

Taxation of income earned on mutual fund units under the Income Tax Act 1961 as in force as on 8th April 2011

Other than Equity Oriented Funds 1

Income in the hands of →

Individual & HUF domestic Company

domestic Company

nRI

nature of Income ↓

01.04.2011 to 31.05.2011

From 01.06.2011

dividend Tax free Tax free Tax free Tax free

dividend distribution Tax on

Money market and Liquid schemes 2

"25% + 5% surcharge + 3%

cess = 27.0375%"

"25% + 5% surcharge + 3%

cess = 27.0375%"

"30% + 5% surcharge + 3%

cess = 32.445%"

"25% + 5% surcharge + 3% cess

= 27.0375%"

Other schemes "12.5% + 5% surcharge + 3%

cess = 13.51875%"

"20% + 5% surcharge + 3%

cess = 21.63%"

"30% + 5% surcharge + 3%

cess = 32.445%"

"12.5% + 5% surcharge + 3% cess

= 13.51875%"

Capital Gains

32

Long Term Capital Gain 3

"[10% without indexation

or 20% with indexation

whichever is lower] + 3% Education

cess"

"[10% without indexation

or 20% with indexation

whichever is lower]

+ surcharge + Education cess as applicable 4

"[10% without indexation

or 20% with indexation

whichever is lower]

+ surcharge + Education cess as applicable 4

"[10% without indexation

or 20% with indexation whichever is lower] + 3% Education cess"

Short Term Capital Gain 3

Will be taxed at the normal rates depending upon the slab of each

individual

30% + Surcharge + Education cess as applicable 4

30% + Surcharge +

Education cess as applicable 4

Will be taxed at the normal rates

depending upon the slab of each individual.

Securities Transaction Tax

Securities Transaction Tax (STT) nil

Nil Nil Nil Nil

notes1 equity oriented funds has been defined under sections 10(38) of the Indian Income Tax Act 1961 as

under: “equity oriented fund” means a fund —

(i) where the investible funds are invested by way of equity shares in domestic companies to the extentofmorethansixty-fivepercentofthetotalproceedsofsuchfund;and

(ii) which has been set up under a scheme of a Mutual Fund specified under clause (23D) : Provided that the percentage of equity shareholding of the fund shall be computed with reference to

theannualaverageofthemonthlyaveragesoftheopeningandclosingfigures;”

The above provisions are applicable to the units of other than equity oriented fund2 The expression “money market mutual fund” has been defined under Explanation (d) to Section 115T

of the Act, which means a scheme of a mutual fund which has been set up with the objective of investing exclusively in money market instruments as defined in sub-clause (p) of clause (2) of the Securities and Exchange Board of India (Mutual Funds) Regulations,1996.

The expression” liquid fund” has been defined under Explanation (e) to Section 115T which means a scheme or plan of a mutual fund which is classified by the Securities and Exchange Board of India as a liquid fund in accordance with the guidelines issued by it in this behalf under the Securities and Exchange Board of India Act, 1992 or regulations made thereunder.

3 Short Term Capital Gain would mean gain on sale/redemption/repurchase of mutual fund units held for not more than 12 months and Long term Capital Gain would mean gain other than Short Term Capital Gain.

4 The tax rates will be increased by surcharge, education cess and secondary and higher secondary education cess as applicable.

5 Reliance Mutual Fund is registered with SEBI and as such is eligible for benefits under Section 10 (23D) of the Income Tax Act 1961. Accordingly its entire income is exempt from tax.

For further details on Taxation please refer to the Clause on Taxation in the SAI.

Investor services Mr. bhalchandra joshi is the Investor Relations Officer for the Fund. All related queries should be addressed to him at the following address:Mr. bhalchandra joshi, Head – Service delivery and Operations ExcellenceReliance Capital Asset Management Limited11th floor, One Indiabulls Centre, Tower 1Jupiter Mills Compound, 841, Senapati Bapat Marg,Elphinstone Road, Mumbai - 400 013Tel No. - 022-30994600Fax No. - 022-30994699Email: bhalchandra.y.joshi@relianceada.com

33

d. COMpUTATIOn OF nAv

The Net Asset Value (NAV) of the Units will be determined daily or as prescribed by the Regulations.

The NAV under RGETF shall be calculated up to 4 decimals as follows or such other formula as may be prescribed by SEBI from time to time.:

NAV = Market or Fair Value of Scheme’s investments + Current Assets - Current Liabilities and Provision

Number of Units outstanding under Scheme on the Valuation Date

nAv Information : The NAV of the Scheme will be calculated and declared by the Fund on every Working Day by 9.00 p.m. The information on NAV may be obtained by the Unitholders, on any day from the office of the AMC / the office of the Registrar in Hyderabad or any of the other Designated Investor Service Centres. The NAV shall be published in two daily newspapers on a daily basis as per the Regulations. Investors may also obtain information on the purchase /sale price for a given day on any Working Day from the office of the AMC / the office of the Registrar in Hyderabad/ any of the other Designated Investor Service Centres.

For any NAV information, investor may also call our customer service centre at 022-3030 1111, callers outside India, please dial 91-22-30301111.

34

Iv. FEES And EXpEnSES

This section outlines the expenses that will be charged to the schemes.

A. nEW FUnd OFFER (nFO) EXpEnSES

Please refer Section II Para F point 3 (b).

b. AnnUAL SCHEME RECURRInG EXpEnSES

Please refer Section II Para F point 3 (b).

C. LOAd STRUCTURE

Load is an amount which is paid by the investor to subscribe to the units or to redeem the units from the scheme. This amount is used by the AMC to pay commissions to the distributor and to take care of other marketing and selling expenses. For the current applicable structure, please refer to the website of the AMC (www.reliancemutual.com) or may call at (toll free no. 1800 300 11111) or your distributor.

Load amounts are variable and are subject to change from time to time. RCAM, in consultation with the Trustees, reserves the right to change the load structure if it so deems fit in the interest of smooth and efficient functioning of the scheme. Any imposition or enhancement in the load shall be applicable on prospective investments only. However, RCAM shall not charge any load on issue of bonus units and units allotted on reinvestment of dividend for existing as well as prospective investors. At the time of changing the load structure:

(i) The addendum detailing the changes may be attached to Scheme Information Documents and key information memorandum. The addendum may be circulated to all the distributors/brokers so that the same can be attached to all Scheme Information Documents and key information memoranda already in stock.

(ii) Arrangements may be made to display the addendum in the Scheme Information Document in the form of a notice in all the investor service centres and distributors/brokers office.

(iii) The introduction of the exit load/ CDSC alongwith the details may be stamped in the acknowledgement slip issued to the investors on submission of the application form and may also be disclosed in the statement of accounts issued after the introduction of such load/CDSC

(iv) A public notice shall be given in respect of such changes in one English daily newspaper having nationwide circulation as well as in a newspaper published in the language of region where the Head Office of the Mutual Fund is situated.

(v) Any other measures which the mutual funds may feel necessary.

Applicable Load Structure

Entry & Exit Load: nIL

As per the Regulations, the redemption price shall not be lower than 93% of NAV and the purchase price shall not be higher than 107% of the NAV and the difference between the redemption price and purchase price shall not exceed 7% of the purchase price.

There will be no entry/exit load on RGETF bought or sold through the secondary market on the NSE. However, an investor would be paying cost in the form of a bid and ask spread and brokerage, as charged by his broker for buying / selling RGETF.

In case, there are no quotes on the NSE for five trading days consecutively, an investor can sell directly to the fund with an exit load of 5% of NAV. The payout of such redemptions will be on the respective pay-out day.

This shall be applicable for fresh investments as well as additional investments made directly by the investor under an existing folio and also for switch-in transaction to a scheme from other schemes done directly by an investor.

Pursuant to SEBI circular No. SEBI/IMD/CIR No. 14/120784/08 dated March 18, 2008, with effect from April 1, 2008, no entry load or exit load shall be charged in respect of bonus units and of units allotted on reinvestment of dividend.

Contingent deferred Sales Charge (CdSC): 0%

Switchover Facility: Switches during ongoing basis will not be allowed.

All loads including Contingent Deferred Sales Charge (CDSC) for the Scheme shall be maintained in a separate account and may be utilised towards meeting the selling and distribution expenses. Any surplus in this account may be credited to the scheme, whenever felt appropriate by the AMC.

d. WAIvER OF LOAd FOR dIRECT AppLICATIOnS

Pursuant to SEBI circular No. SEBI/IMD/CIR No. 4/ 168230/09 dated June 30, 2009, no entry load shall be charged for all the mutual fund schemes. Therefore the procedure for the waiver of load for direct application is no longer applicable.

35

v. RIGHTS OF UnITHOLdERSPlease refer to SAI for details.

vI. pEnALTIES, pEndInG LITIGATIOn OR pROCEEdInGS, FIndInGS OF InSpECTIOnS OR InvESTIGATIOnS FOR WHICH ACTIOn MAY HAvE bEEn TAkEn OR IS In THE pROCESS OF bEInG TAkEn bY AnY

REGULATORY AUTHORITY1. All disclosures regarding penalties and action(s) taken against foreign Sponsor(s) may be limited to the jurisdiction of the country where the

principal activities (in terms of income / revenue) of the Sponsor(s) are carried out or where the headquarters of the Sponsor(s) is situated. Further, only top 10 monetary penalties during the last three years shall be disclosed.

Not Applicable

2. Details of all monetary penalties imposed and/ or action taken during the last three years or pending with any financial regulatory body or governmentalauthority,againstSponsor(s)and/ortheAMCand/ortheBoardofTrustees/TrusteeCompany;forirregularitiesorforviolationsin the financial services sector, or for defaults with respect to share holders or debenture holders and depositors, or for economic offences, or for violation of securities law. Details of settlement, if any, arrived at with the aforesaid authorities during the last three years shall also be disclosed.

There were no monetary penalties imposed and/ or action taken during the last three years or pending with any financial regulatory body or governmentalauthority,againstSponsor(s)and/ortheAMCand/ortheBoardofTrustees/TrusteeCompany;forirregularitiesorforviolationsin the financial services sector, or for defaults with respect to share holders or debenture holders and depositors, or for economic offences, or for violation of securities law. There were no settlement arrived at with the aforesaid authorities during the last three years.

3. Details of all enforcement actions taken by SEBI in the last three years and/ or pending with SEBI for the violation of SEBI Act, 1992 and Rules and Regulations framed there under including debarment and/ or suspension and/ or cancellation and/ or imposition of monetary penalty/adjudication/enquiry proceedings, if any, to which the Sponsor(s) and/ or the AMC and/ or the Board of Trustees /Trustee Company and/ or any of the directors and/ or key personnel (especially the fund managers) of the AMC and Trustee Company were/ are a party. The details of the violation shall also be disclosed.

There was no enforcement actions taken by SEBI in the last three years and/ or pending with SEBI for the violation of SEBI Act, 1992 and Rules and Regulations framed there under including debarment and/ or suspension and/ or cancellation and/ or imposition of monetary penalty/adjudication/enquiry proceedings, if any, to which the Sponsor(s) and/ or the AMC and/ or the Board of Trustees /Trustee Company and/ or any of the directors and/ or key personnel (especially the fund managers) of the AMC and Trustee Company were/ are a party.

4. Any pending material civil or criminal litigation incidental to the business of the Mutual Fund to which the Sponsor(s) and/ or the AMC and/ or the Board of Trustees /Trustee Company and/ or any of the directors and/ or key personnel are a party should also be disclosed separately.

There is no pending material civil or criminal litigation incidental to the business of the Mutual Fund to which the Sponsor(s) and/ or the AMC and/ or the Board of Trustees /Trustee Company and/ or any of the directors and/ or key personnel are a party.

5. Any deficiency in the systems and operations of the Sponsor(s) and/ or the AMC and/ or the Board of Trustees/Trustee Company which SEBI has specifically advised to be disclosed in the SID, or which has been notified by any other regulatory agency, shall be disclosed.

There was no deficiency in the systems and operations of the Sponsor(s) and/ or the AMC and/ or the Board of Trustees/Trustee Company which SEBI has specifically advised to be disclosed in the SID, or which has been notified by any other regulatory agency.

notwithstanding anything contained in this Scheme Information document, the provisions of the SEbI (Mutual Funds) Regulations, 1996 and the guidelines there under shall be applicable.

For and behalf of the Board of Directors of RELIAnCE CApITAL ASSET MAnAGEMEnT LIMITEd

[Asset Management Company for Reliance Mutual Fund]

Mumbai (Sundeep Sikka) September 27, 2011 Chief Executive Officer

Adayar: Shop No. 3, Ground Floor, Anu Arcade, No. 1, 15th Cross Street, Shashtri Nagar, Adyar, Chennai-20. Agra: Shop No. 110, Block No. 28/2, Sanjay Place LIC Road, Agra - 282 002. Ahmedabad: 4th Floor, Megha House, Mithakhali, Law Garden Road, Ellis Bridge, Ahmedabad – 380 006. Ajmer: 3rd Floor, India Square, India Motor Circle, Kutchery Road, Ajmer 305001. Alappuzha: 3rd Floor, Chandra Square, Cullen Road, Alappuzha - 688011 Aluva: Poornima building,1st floor, above Centurian Bank, bypass road, Aluva - 683101 Alwar: Jai Complex, 1st Flr., Plot No. 1, Road No. 2, Alwar 301001 Allahabad: 2nd floor, House No. 31/59, Shiv Mahima Complex, Civil Lines, Allahabad - 211 001. Ambala: 2nd Floor, Shanti Complex, Jagadri Road, Opp. Civil Hospital, Ambala Cannt - 133001. Amravati: Vimaco Towers, C Wing 4,5,6, Amravati - 444601 Asansol: 2nd Floor, Laxi Narayan Avenue, Room No -30, Murgasol, G.T Road, 2nd Floor, Asansol Amritsar: SF-1, 2nd Floor, 10, Eminent Mall, The Mall, Amritsar - 143 001. Anand: 2nd Floor, 204, Maruti Sharnam, Anand Vidhyanagar Road, Anand - 388001. Andheri: Shop no. 3, ground floor, Mona shopping centre, J P Road, Near Navrang Cinema, Andheri (W),Mumbai - 400058. Anna Nagar: Shop No. G-5, Ground floor, N R Dave Complex, 201/C-34, 2nd Avenue, 11th Main Road Corner, Anna Nagar, Chennai - 600 040. Aurangabad: C-8,2nd floor,Aurangabad, Business center, Adalat Road, Aurangabad - 431001. Balasore: Ground Floor, Station Bazaar , Balasore 756001. Bangalore: N-112-114, 1st floor, North Block, Manipal centre, Dickenson Road, Banglore - 560 042. Bareily: 1st Floor, 54, Civil Lines, Ayub Khan Chauraha, Bareily - 243001. Bardoli: 1st Floor, Office No 68,69,70, Mudit Palace, Station Road, Bardoli – 394601 Bellary: Gnanandam,First Floor,1st Cross, Gandhi Nagar, Bellary - 583101 Berhampur: 1st Floor, Dharma –Nagar (Ist Lane) Berhampur -760002 Bharuch: Bluechip, 1st Floor, Shevashram Road, Panch Batti, Bharuch - 392001. Bhatinda: Jindal Complex, 1st Floor, G T Road,Near ICICI Bank, Bathinda - 151001. Bhavnagar: 3rd Floor, Corporate House, Plot No. 11B, Waghawadi Road, Bhavnagar -364004. Bhilwara: 1st Floor, 101, S K Plaza, Pur road, bhilwara Bhuj: Ground Floor, Office No. 1, Pooja Complex, Next to ICICI Bank, Station Road, Bhuj – 3700 01 Bikaner: 1st Floor, near M.R.M. Office, Modern MarketCircle.Bhopal: FF-7, 1st floor, Mansarovar Comercial Complex, Near Habibganj Railway station, Bhopal-462 016. Bhubaneshwar: 2nd Floor, Near Kalsi Petrol Pump, 5 - Janpath Karvil Nagar,Bhubaneshwar - 751001. Borivali: 101, Vraj Deep, Junction of Chandavarkar Road & Eksar Road, Borivali West,Opp to Megh Mayur Tower, Mumbai - 400091. Calicut: 6/1002M, 4th Floor, City Mall, Kannur Road (Opp Y.M.C.A), Calicut – 673 001. Chandigarh: SCO 127-128, 1st floor, Sector 9 C, Chandigarh 160 009. Chennai: Reliance House, No. 6 Haddows Road, Opp Shastri Bhavan, Chennai 600006. Cochin: 3rd Floor,Chicago Plaza, Rajaji Road, Cochin-682035. Coimbatore: 575 C, Shylaja Chambers, D B Road, R S Puram, Coimbatore - 641 002. Dadar: Shop No.12, Ground Floor, Yusuf Building Nos 1, 31-31C Junction of Ranade Road & Gokhale Road, Dadar, Mumbai -28. Dalhousie: 14B, 18, British Indian Street, GF Shop No. 14, Kolkata - 700 001. Dehradun: 2nd Floor, NCR Corporate Plaza, New Cantt Road, Dehradun - 248001. Dhanbad: 4th Floor, Shree Laxmi Complex, Bank Mode, Dhanbad - 826001. Dindigul: 2/2, 1st Floor, Surya Tower, Above ICICI Bank, Salai Road, Dindigul - 624001. Durgapur: 4th Floor, City Plaza, City Center –Durgapur – 713216. Erode: Samy’s Nest, No.63, Mosuvanna Street EVN Road, Erode -638011 Faridabad: Booth no. 112-P, Sector-15, Urban Estate, Faridabad - 121 007. Gandhinagar: Office No 313, Meghmalhar, Sector 11, Ch Road, Gandhinagar - 382 017 Ghaziabad: C-76,3rd Floor, Sudesh Plaza, Above IDBI Bank, RDC Raj Nagar, Ghaziabad-201001. Godhra: 2nd Floor, Gurukrupa Complex, LIC Road, Near SBI, Godhara – 389001 Gorakhpur: 1st Floor, Radhika Complex, Medical Road, Gorakhpur - 273409 Guntur: Pranavam Plaza, Door No. 5-35-69, 4/9, Brodipet, Guntur - 522002 Gurgaon: Shop no. 207, DLF Central Arcade, DLF -II, Gurgaon, Haryana - 122 001. Guwahati: 2E, 2nd Floor, Dihang Arcade, ABC, Rajiv Bhavan, G S Road, Guwahati - 781 005. Gwalior: 3rd Floor, Alaknanda Tower, City Centre, Gwalior – 474002. Haldwani: 1st Floor, J K Tower, Nainital Road, Teri Puliya, Kathgodam, Haldwani – 263139 Hoshiyarpur: 2nd Floor, Eminent Mall, Plot No. B-XX/214, Main Court, Hoshiyarpur - 146001. Hubli: Eureka Junction, 1st Flr, Above ICICI Bank, Travellers Bunglow Road, Hubli - 580029. Hyderabad: 2nd Floor,”Shobhan, 6-3-927/A & B, Somajiguda, Raj Bhawan Road, Hyderabad – 500082. Indore: 303 & 304, D M Tower, Race Course Rd., Indore 452 001. Jabalpur: 90/1A, Dayanand Saraswati ward, 2nd floor, Ahuja Tower, Bhanwartal Extension, 46 Napiar Town , Jabalpur - 482001 Jaipur: G-4, Ground Floor, Brij Anukampa Complex Plot No. K-13, Ashok Marg, C Scheme, Jaipur - 302 016. Jalandhar: 1st Floor, Gobind Mall, 25 G T Road, Jalandhar 144 001 Jalgaon: 18, 2nd Floor, Dhake Colony, Dhake Carporate Centre, Jalgaon – 425 001 Jammu: Banu Plaza, B-2, 206, South Block, Railway Head, Jammu, Jammu & Kashmir - 8004. Jamnagar: Shop no. 4 & 5, Ground Floor, Shilp, Indira Nagar, Jamnagar - 361 140. Jamshedpur: 2nd floor, Om tower, MainRoad, Bistupur, Jamshedpur - 831 001. Janakpuri: Shop no. 14, B Block Community Centre, Janak puri, New Delhi - 110058. Jayanagar: 76/11, Elephant Rock Road, III, Jayanagar, Banglore - 560 011. Jhansi: 1st Floor, 493, “Stephen House”, Civil Lines, Opp. Munnalal Power House, Gwalior Road, Jhansi - 284001 Jodhpur: C/o. Reliance Infocomm, L.K. Tower, 2nd Floor, Opp. IDBI Bank, Chopasni Road, Jodhpur - 342 001. Junagarh: 1st Floor, Moti Palace Building, Opposite Raiji Baug, Moti Baug, Junagarh – 362001 Kalyan: Mahavir Complex No.2, Gala No-4, Ground Fr., Santoshi Mata Road, Kalyan West Mumbai - 421301. Kannur : 1st Floor, Grand Plaza, Fort Road, Kannur - 670001 Kanpur: Ground floor,Office No-3, 14/113, Civil Lines, Kanpur - 208 001. Khanna: 2nd Floor, Surya Tower, G T Road, Khanna - 141401. Kolhapur: 2nd Floor, Ward No 16, H No 1545, Ichalkaranji - Kolhapur Main Road, Near Central Bus Stand, Ichalkaranji - 416115. Kolkata: Unit no. 10,11 & 12, 5th floor, FMC Fortuna, A J C Bose, Kolkata 700 020. Kota: Ground Floor, Mewara Plaza,344, Shopping Centre, rawatbhata gumanpura road, Kota -324007 Kottayam: 1st floor, Kaniyamparambil Arcade, Shastri Road, Kottayam – 686001. Lucknow: 3rd Floor, Halwasiyas Commerce House, Habibullah estate, hazratganj, 11 M G marg, Lucknow - 226001. Lajpat Nagar: 1st Floor, E-100, (Above Corporation Bank), Lajpat Nagar - II, New Delhi - 110024 Ludhiana: Lower Ground Floor, SCO 127-128-129, Feroze Gandhi Market, Ludhiana - 141001. Madurai: 1st Floor, Suriya Towers, 272, 273, Goods Shed Street, Madurai - 625001. Malappuram 1st Floor, Dr.Aboos Arcade, Kunnummel, Near St.James Girls High school, Malappuram - 676505 Malleswaram: Door No.89 (Old no.36), Ground Floor, 3rd Cross, Sampige Road, Malleswaram, Banglore - 3. Mangalore: 4th Floor , Maximus Commercial Complex, LHH Road, Opp KMC, Mangalore - 575001. Margoa: Shop No. 3, Mira Building, Pajifond, Near Jain Mandir, Margao, Goa - 403601. Mathura: 1st Floor, Tera Tower, Bhuteshwar Road, Mathura Meerut: Ground Floor, G-13, Rama Plaza, WK Road, Meerut - 250001. Mehsana: F – 9, F – 10, F – 11,1st Floor, Wide Angle, Mehsana Highway, Near Khari Bridge, Mehsana – 384002 Mulund: Office No. 308/309, 3rd Flr, B Wing, Shankardhan Plaza, J N Road, Mulund (W), Mumbai – 400 080 Mumbai: Mittal Chambers, 228, Ground Floor, Nariman Point-21. Muradabad: Shop No. G-18, Chadha Shopping Complex, GMD Road, Moradabad - 244 001. Muzaffarpur: 1st Floor, Opp Devi Mandir ,Near LIC Zonal Office , Club Road , Ramna, Muzaffarpur-842002 Mysore: Shop No. 1, Ground Floor, Mahindra Arcade, Saraswathipuram, 2nd Main Road, Mysore - 570009. Nadiad: 201, ISCON ARCADE, 2nd Floor, College Road, Nadiad - 387001 Nagpur: Office # 2, 3rd Floor, A Block Poonam Chambers, Chhindwara Road, Byramji Town, Nagpur - 440 013. Nasik: Ground Floor 57, Karamkala Building, Opp. Old Corporation Building, New Pandit Colony, Sharanpur Road, Nasik 422002. Navsari: Chinmay Arcade, 3rd Floor, (3/1&2), opp Sattapir Sayaji Road, Navsari -396445. Nehru Place: SF-17, 18, 19, Ground Floor, Devika Tower, 6, Nehru Place, New Delhi - 110 019. New Delhi: 804, 805, 807, 8th floor, Ashoka Estate, 24, Barakhamba Road, New Delhi - 110 001. Noida: Shop No. 1, Gound Floor, Ansal Fortune Arcade, Secotor 18, Noida, - 201301. Palakkad: 3rd floor, East Side, Ghanis, Fort Maidan, Kunnathurmedu P.O. Palakkad – 678013. Panaji: 1st Floor, Block “D”, Office No.: F17, F18, F19 & F20, Mahatma Gandhi Road, Panajim -403001. Panipat: Office No. 514, 1st Floor, Krishna Tower, Near HDFC Bank, G T Road, Panipat 132001. Panvel: Shop No.2,Plot No 206/12,Middle Class CHS Ltd, Panvel – 400 706 Pathankot: 2nd floor, LML, Mahajan Sales, Dhangu Road, Near Power House, Pathankot - 145001. Patiala: SCO 116 - 119, First Floor, New Leela Bhavan, Opposite RLIC, Patiala - 147001. Patna: 4th Floor, Shahi Building, Exibhition Road, Opp. Chanakya Cinema Hall, Patna 800001. Pondicherry: Jayalakshmi Complex, R.S No. 34/5pt, Block No. 5, Thiruvalluvar – Salai, Kuyavarpalyam, Pondicherry - 605005. Pune: 201, 202, 2nd Floor & 301, 3rd floor, Sanas Memories, F C Road, Shivaji Nagar, Pune - 411 004 Raipur: 1st floor, D M Plaza, Chhotta Para, Fire Brigade chowk, Raipur- 492 001. Rajamundry: Jetty Enclave, Door No. 79-2-9/3, Tilak Road, Opposite Saibaba Temple, Rajamundry – 533 103 Rajkot: 2nd Floor, Plus Point, Opp Haribhai Hall, Dr. Yagnik Road, Rajkot - 360001. Ranchi: Office No. 317, 3rd Floor, “Panchwati Plaza”, Kutchery Road, Ranchi – 834001. Raurkela: 4th Floor, Triveni Complex, Madhusudan Marg, Rourkela, Orissa - 769001. Rohtak: Jawahar Market, 1st Floor, 323/321, Delhi Road, Nr. D Park, Rohtak, Haryana – 124004. Salem: 2nd Floor, Kandaswarna Mega Mall, Survey No. 186/2E, Alagapuram, Opp Saradha College, Fairlands, Salem - 636016. Salt lake city: B D 25, Salt Lake, Sector - 1, Kolkata 64 Shimla: No. 17, Alle no. 9, Middle Bazar, The Mall, Shimla H.P.-171001. Shimoga: 3rd Floor, Shree Karthik Plaza, Nehru Road, Durgigudi, Shimoga - 577201 Siliguri: Gitanjali Complex, 1st Floor, Sevoke Road, Siliguri 734001. Southern Avenue: Ground Floor, 200 Sarat Bose Road, Near Deshpriya Park, opp. Sarat Bose Road Post Office, Kolkata 700 020. Surat: No.118, 1st Floor, Jolly Plaza, Opp. Athwagate Police Chowki, Athwagate Circle, Surat - 395001. Surendra Nagar: 2nd Floor, Office No 236, 237, Mega Mall, ST Bus Stand Road, Near Milan Cinema, Surendra Nagar – 363 002 T Nagar: Old No. 31 & 32, New no. 52 & 54, TVL Boag Willa, North Boag Road, T Nagar,Chennai – 17. Thane: 3, Ground floor, Saptashri CHS Ltd., Talapali, Near HDFC Bank, Thane - 400 601. Thanjavur: 2nd Floor, Shop No (3A), No. 70, Srinivasan Pillai Road, Thanjavur - 613001. Thrissur: 4th floor, Pathayapura Building, Round South, Thrissur - 680001. Tirupati: 1st Floor, 20-1-136/D,Maruthi Nagar,Tirumala By Pass Road,Tirupati - 517501Trichy: 2nd Floor, Tab Complex, 41 Williams Road, Cantonment, Trichi 620001. Thiruvalla: 2nd Floor, Erinjery Building, M C Rd., Thiruvalla 689107 Trivandrum: 1st flr,Uthradam, Panavila Junction, Trivandrum 695001. Udaipur: 2nd Floor, 1(2)A, K P Arcade, Fatehpura, Opp. UIT Office, Udaipur, Rajasthan – 313001. Ujjain: 3rd Floor, Office No 309 and 310, Mani Trade Centre, Shanku Freeganj, Ujjain - 546006 Vadodara: 101 102 Tilak Complex, Opp Pizza Inn, Jetalpur Road, Vadodara - 390 005. Vapi: 1st Floor, Royal Fortune, 102 b/b, 102b/c, Daman Chala Road, Opp Upasna School, Vapi–396191 Varanasi: unit no. 2, 1st floor, Arihant Complex, Sigra Varanasi - 221 010. Vasco: Shop No. S-1, Our Lady of Merces Building, Opp. K.T.C Bus Stand, Mundvel, Vasco Da Gama, Goa - 403802. Vashi: Thacker Tower, 702 & 703, Sector No. 17, Vashi, Navi Mumbai – 400 705. Vellore: 2nd Foor, 19/A, Officers Line, Vellore- 632001 Vijayawada: 3rd floor, Surya tower,Above Icon showroom, M G Road, Labbipet, Vijayawada-520 010. Visakhapatnam: 2nd Floor, VRC Complex,Dwarka Nagar, Vishakhapatnam-530016. Warrangal: Ground Floor, H No. 5-9-130,130/1&130/2, khwadi,Hanamkonda,Warangal - 506001. Yamunanagar: 1st Floor, 514/515, Model Town, Govindpuri Road, Yamunanagar - 135001.

KARVY COMPUTERSHARE PRIVATE LIMITED

Agartala: Jagannath Bari Road, Bidur Kottar Choumani, Agartala - 799001, Agra: 1st Floor, Deepak Wasan Plaza, Sanjay Place, Behind Holiday Inn, Agra -282 002, Ahmedabad: 309, Shail Buildings, Opp: Madhusudhan House, Off : C G Road, Nr. Navrangpura Telephone Exchange, Ahmedabad - 380 006, Ajmer: 1-2, II Floor, Ajmer Tower, Kutchary Road, Ajmer - 305 001, Akola: Shivdaya Complex, First Floor, Above Madhuri Cool Drinks, Tilak Road, Akola-444002, Aligarh: 1st Floor, Kumar Plaza, Aligarh - 202001, Uttar Pradesh. Allahabad: RSA Towers, 2nd Floor, Above Sony TV Showroom, 57, S P Marg, Civil Lines, Allahabad - 211001. Alleppy: 2nd Floor, JP Towers, Near West Of Jilla Court Bridge, Mullakkal, Alleppy. Alwar: 101, Saurabh Towers, Road No # 2, Bhagat Singh Circle, Alwar-301001. Amaravathi: Shop No. 13 & 27, First Floor, Gulshan Plaza, Raj Peth, Badnera Road, Amaravthi-444605. Ambala: 6349, Nicholson Road, Adjacent Kos Hospital, Ambala Cantt, Ambala - 133001. Amritsar: 72-A, Taylor’ Road, Aga Heritage Gandhi Ground, Amritsar - 143 001. Anand: F-6, Chitrangana Complex, Opp: Motikaka Chawl, V V Nagar, Anand - 388 001. Ananthapur: # 15-149, 2nd Floor, S.R.Towers, Opp: Lalithakala Parishat, Subash Road, Anantapur - 515 001. Angul: Block No.890/755, Kandsar, Nalco Town, Shipchowk, Angul-759145. Ankleshwar: Shop No. Ff 4 & 5, Shree Narmada Arcade, Old N H No. 8, Opp. HDFC Bank, Ankleshwar - 393001. Asansol: 18, G T Road, 1st Floor, Asansol - 713 301.

DESIGNATED INVESTOR SERVICE CENTRES RELIANCE CAPITAL ASSET MANAGEMENT LTD.

Aurangabad: Shop No : 214/215, Tapadiya City Centre, Nirala Bazar, Aurangabad - 431 001. Azamgarh: C/O. Bhanu Pratap, 144, Kali Chauraha, Raipur Colony, Azamgarh-276 001. Barhampore (WB): 71/1 RN Tagore Road, Near Laldighi Income Tax Office, 1st Berhampore Dist Murshidabad, Barhampore- 742101 West Bengal. Balasore: M S Das Street, Gopalgaon, Balasore - 756001. Bangalore: No : 51/25, 1st Floor, Surya Building, Ratna Avenue, Richmond Road, Bangalore - 560 025. Bankura: Ambika Market, Natunganj, Bankura - 722101. Bareilly: 1st Floor, 165, Civil Lines, Opp.Hotel Bareilly Palace, Near Rly Station Road, Bareilly - 243 001. Baroda: Piccadilly, Office # 5, First Floor, Opp. Adani Super Market, Jetalpur Road, Vadodara - 390007, Gujarat. Begusarai: Hotel Diamond Surbhi Complex, Near I.O.C Township Gate, Kapasiya Chowk, Begusarai - 851117. Belgaum: Fk-1, Ambedkar Road, Opp Civil Hospital, Belgaum - 590001. Bellary: No.1 Khb Colony, Gandhinagar, Bellary - 583101. Bikaner: 2nd Floor, Plot No 70 & 71, Panchshati Circle, Sardul Gunj Scheme, Bikaner- 334003. Behrampur: Ramlingam Tank Road, Berhampur, Orissa Pin-760002. Betul: 107, Hotel Utkarsh, Awasthi Complex, J H College Road, Civil Lines, Beetul- 460001. Bhagalpur: 2nd Floor, Chandralok Complex, Ghantaghar, Radha Rani Sinha Road, Bhagalpur - 812001. Bharuch: Ff 47, 48, Ist Floor, Aditya Complex, Opp. Kasak Temple, Bharuch - 392 001. Bhatinda: 2048, Ist Floor, Opp: Canara Bank, The Mall Road, Bhatinda - 151001. Bhavnagar: 1st Floor, Corporate House, Above Canara Bank, Waghawadi Road, Bhavnagar - 364001. Bhilai: No.138, New Civic Centre, Bhilai - 490 006, Dist-Durg, Chattishgarh. Bhilwara: 27-28, 1st Floor, Hira-Panna Complex, Pur Road, Bhilwara-311001. Bhopal: Kay Kay Busniss Centre, 133 Zone I M P Nagar, Bhopal-462021. Bhubaneswar: 624, Sahid Nagar, 1st Floor, Bhubaneswar - 751007. Bilaspur: Shop No 201/202, V.R.Plaza, Link Road, Bilaspur-495001. Bokaro: B-1, 1st Floor, Near Sona Chandi Jewellers, City Centre, Sector - 4, Bokaro Steel City - 827 004 (Jharkhand). Burdwan: 63 G T Road, Birhata, Halder Complex, 1st Floor, Burdwan - 713101. Calicut: IInd Floor, Sowbhagya Shoping Complex, Mavoor Road, Calicut - 673 004. Chandigarh: Sco-371-372, First Floor, Above HDFC Bank, Sector 35B, Chandigarh - 160 022. Chandrapur: Shop No.5, Office No.2, 1st Floor, Routs Raghuvanshi Complex, Beside Azad Garden, Main Road, Chandrapur-442402. Chennai: Flat No F11, First Floor, Akshya Plaza, (Erstwhile Harris Road), Opp Chief City Metropolitan Court, # 108, Adhithanar Salai, Egmore, Chennai - 600002. Chinsura: JC Ghose Sarani, Near Bus Stand, Chinsura - 712101. Cochin: Shop No. II, 2nd Floor, Jewel Arcade, (Above Oriental Insurance Ltd), Layam Road, Cochin - 682 011. Coimbatore: 29/1, Ist Floor, Chinthamani Nagar, Opp To Indian Overseas Bank, Nsr Road, Saibaba Colony, Coimbatore- 641011. Coonoor: 76 Cammellia Terrace, Grays Hills, Coonoor-643101. Cuttack: Dargha Bazar, Opp. Dargha Bazar Police Station, Buxibazar, Cuttack - 753001. Deoria: 1st Floor, Shanti Niketan, Opp. Zila Panchayat, Civil Lines, Deoria. Darbhanga: Ground Floor Trade Point, Haffanchak Lal Bagh, Darbanga-846 004. Dehradun: Kaulagarh Road, Near Sirmaur Marg, Above Reliance Webworld, Dehradun - 248 001. Dewas: Rmo House, 27, Motilal Nehru Marg, Dewas-455001. Dhanbad: 208, New Market, 2nd Floor, Katras Road, Bank More, Dhanbad - 826001. Dharwad: G7 & 8, Sri Banashankari Avenue, Ramnagar, Opp Nttfpb Road, Dharward - 580 001. Dhule: Ashoka Estate, Shop No. 14/A, Upper Ground Floor, Sakri Road, Opp. Santoshi Mata Mandir, Dhule-424002. Dindigul: No.9, Old No.4/B, New Agraharam, Palani Road, Dindigul - 624 001. Durgapur: Old Dutta Automobiles Building, 1st Floor,Nachan Road,Benachity,Durgapur-713213. Eluru: 23A-3-32, Gubbalavari Street, R R Pet, Eluru-534 002. Erode: No. 4, Kmy Salai, Veerappan Traders Complex, Opp : Erode Bus Stand, Sathy Road, Erode - 638 003. Faridabad: A-2B, 1st Floor, Nehru Ground, Neelam Bata Road, Nit, Faridabad - 121 001. Ferozpur: Udham Singhchowk, 1st Floor, Near UTI Bank Ltd, Ferozepur-152002. Gandhidham: Office No 14, First Floor, “Komal Complex”, Plot No 305, Sector 12B, Nr. Shivaji Park, Gandhidham - 370 201. Gandhinagar: 27, Suman Tower, Near Hotel Haveli, Sector No.11, Gandhinagar, Ahmedbad-382 011. Gaya: 1st Floor Lal Bhawan, Tower Chowk, Near Kiran Cinema, Gaya-823001. Ghaziabad: 1st Floor, C-7, Lohia Nagar, Ghaziabad - 201 001, Ghazipur: Shubhra Hotel Complex, 2nd Floor, Mahaubagh, Ghazipur-233 001. Gonda: 1st Floor, Sri Krishna Talkies, Opp. Dukhharan Nath Mandir, Station Road, Gonda-271 003. Gondia: Off No 1, Ground Floor, Roongta Complex, Jaistambh Chowk, Gondia-441601. Gorakhpur: Above V.I.P. House, Ajdacent A.D. Girls Inter College, Bank Road, Gorakpur - 273 001. Gulbarga: No 23 Sri Giri Nilaya, Sharan Nagar, Tank Bund Road, Gulbarga - 585103, Guntur: Door No : 6- 10-18 , Sai House, 10 / 1, Arundelpet, Guntur - 522 002. Gurgaon: Shop No. 18, Ground Floor, Sector - 14, Opp. Akd Tower, Near Huda Office, Gurgaon - 122001. Guwahati: 54 Sagarika Bhawan, R G Baruah Road, (AIDC Bus Stop), Guwahati 781024. Gwalior: Shindi Ki Chawani, Nadi Gate Pul, MLB Road, Gwalior - 474 001. Hajipur: Ramraja Complex, Kacheri Road, Near Canara Bank, Hajipur - 844101. Haridwar: 8, Govind Puri, Opp. LIC - 2, Above Vijay Bank, Main Road, Ranipur More, Haridwar-249 401. Haldwani: 4 - Durga City Center, 1st Floor, Near Mbpg College Parao, Nainital Road, Haldwani - 263139, Uttarakhand. Hassan: Rajath Complex, 1st Floor, Opp Mahaveer Petrol Bunk, B M Road, Hassan - 573201. Hazaribagh: C/O Hemlata Jain, Kalibari Road, Hazaribagh - 825301. Hissar: Sco 71, 1st Floor, Red Square Market, Hissar - 125001. Hoshiarpur: Ist Floor, The Mall Tower, Opp Kapila Hospital, Sutheri Road, Near Maharaj Palace, Hoshiarpur - 146001. Hubli: Giriraja House, No.451/B, Ward No.1, Club Road, Hubli - 580 029. Hyderabad: 8-2-596 Karvy Plaza, Avenue 4, Street No.1, Banjara Hills, Hyderabad - 500 034. Indore: Lg - 3, Bombay Trade Centre, Lower Ground Floor, Grand Hotel, Opp Bombay Hospital, Scheme No 54, Indore - 452010. Jabalpur: 43, Naya Bazar, Jabalpur (M.P.). Jaipur: S-16 A, 3rd Floor, Land Mark, Opposite Jaipur Club, Mahavir Marg, CScheme, Jaipur - 302 001. Jalandhar: Lower Ground Floor, Office No : 3, Arora Prime Tower, Plot No : 28, G T Road, Jalandhar - 144 004. Jalgaon: 148 Navi Peth, Opp. Vijaya Bank, Near Bharat Dudhalay, Jalgaon - 425 001. Jalpaiguri: D.B.C. Raod, Near Rupasree Cinema Hall, Beside Kalamandir, Po & Dist Jalapiguri, Jalpaiguri - 735101. Jammu: Hall No: 111, 1st Floor, South Block, Bahu Plaza, Gandhi Nagar, Jammu - 180004. Jamnagar: Sanskruti, 5 Patel Colony Corner, Opp UTI Bank, Jamnagar - 361008. Jamshedpur: Kanchan Tower, 3rd Floor, Chhaganlal Dayalji @ Sons, 3-S B Shop Area, (Near Traffic Signal), Main Road, Bistupur, Jamshedpur - 831 001. Jaunpur: R N Complex, 1-1-9-G (In Front Of Pathak Honda), Ummarpur, Jaunpur-222 002. Jhansi: 371/01, Narayan Plaza, Gwalior Road, Near Jeevan Shah Chauraha, Jhansi - 284 001. Jodhpur: 203, Modi Arcade, Chupasni Road, Jodhpur - 342 001. Jorhat: New Medical Store Complex, 3rd Floor, A T Road, Opp. Chowk Bazar, Jorat - 785001. Junagadh: 124/125, Punit Shopping Center, Ranavat Chowk, Junagadh, Gujarat 362001. Kanchipuram: New No. 357, Old No. 230, Gandhi Road, Next To IDBI Bank, Kanchipuram-631501. Kanpur: 15/46, Opp: Muir Mills, Civil Lines, Kanpur - 208001. Kurnool: Shop No.43, 1st Floor, S V Complex, Railway Station Road, Kurnool-518 004. Karaikudi: Gopi Arcade, 100 Feet Road, Karaikudi - 630 001. Karimnagar: H.No.4-2-130/131, Above Union Bank, Jafri Road, Rajeev Chowk, Karimnagar-505001. Karnal: Sco 26, Kunjpura Road, Nehru Place, Karnal-132001. Karur: No.6, Old No.1304, Thiru-Vi-Ka Road, Near G.R.Kalyan Mahal, Karur - 639 001. Keonjhar: Ground Floor, College Square, Keonjhar-758001. Kharagpur: Malancha Road, Beside UTI Bank, Kharagpur- 721304. Kolhapur: Omkar Plaza, 1st Floor, Unit - F2 & F4, Rajaram Road, Next To ICICI Bank Ltd, Kolhapur - 416008. Kolkata: 16 Jatin Bagchi Road, Kolkata - 700 029. Kollam: Vigneshwara Bhavan, Below Reliance Web World, Kadapakkada, Kollam - 691008. Kota: H.No. 29, First Floor, Near Lala Lajpat Rai Circle, Shopping Centre, Kota, Rajasthan - 324007. Kottayam: 1st Floor, CSI Ascension Church Complex, Kottayam - 686 001. Korba: 1st Floor, 35 Indira Complex, P. Nagar, Korba (C.G.) - 495677, (07759) - 245089 / 245354 / 320039. Krishnagar: 52 R N Tagore Road High Street, Krishnagar Nadia, Nadia - 741101. Lucknow: 94, Mahatma Gandhi Marg, Opp Governor House, Hazratganj, Lucknow - 226 001. Ludhiana: Sco-3, Bawa Building, Feroze Gandhi Market, Ludhiana - 141001. Malda: Sahistuli Under Ward, No-6, English Bazar Municipality, No-1 Govt Colony, Malda - 732101. Madurai: Rakesh Towers, 30-C, Bye Pass Road, Ist Floor, Opp Nagappa Motors, Madurai - 625010. Mangalore: 2nd Floor, Brigade Plaza, Kudmul Ranga Rao Road, Mangalore - 575 003. Margao: 2nd Floor, Dalal Commercial Complex, Opp: Hari Mandir, Pajifond, Margao-Goa -403601. Mathura: 3538-3540, Infront Of Bsa College, Gaushala Road, Mathura - 281004.Meerut: 1st Floor, Medi Centre Complex, Opp. Icici Bank, Hapur Road, Meerut - 250 002. Mehsana: 14-15, Prabhu Complex, Near Hdfc Bank, Mehsana Highway, Mehsana - 384002. Mirzapur: Girja Sadan, Dawari Gunj, Mirzapur - 231001. Moga: Opp.D C Office, Near Pankaj Motors, Ferozpur Road, Moga - 142001.Moradabad: Om Arcade, Parker Road, Above Syndicate Bank, Tari Khana Chowk, Moradabad - 244 001. Morena: Moti Palace, Near Ramjanki Mandir, Jiwaji Ganj, Morena - 476 001. Mumbai: 26/30, Fort Foundation Bldg, Near Msc Bank, Maharashtra Chamber Of Commerce Lane, Fort Mumbai - 400 023. Muzaffarpur: 1st Floor, Uma Market, Near Thana Gumti, Motijheel, Muzaffarpur, Bihar - 842001. Mysore: L - 350, Silver Tower, Clock Tower, Ashoka Road, Mysore - 570 001. Nadiad: 105 Gf City Point, Near Paras Cinema, Nadiad - 387001. Nagarkoil :3A, South Car Street, Parfan Complex,Near The Laxmi Villas Bank,Nagarcoil - Tamil Nadu - 629001, Nagpur: Sadoday Arcade, Above Top N Town, Dharampeth, Nagpur - 440 001. Nanded: Shop No. 1,2,3 & 4, First Floor, Opp.Bank Of India, Santkrupa Market, Gurudwara Road, Nanded - 431602. Nasik: S-12, Second Floor, Suyojit Sankul, Sharanpur Road, Nasik - 422 002. Navsari: 1st Floor, Chinmay Arcade, Opp. Sattapir, Tower Road, Navsari - 396 445. New Delhi: 2E / 23, Jhandewalan Extn, New Delhi-110055.Nellore: 16/112, Pogathota, Nellore - 524001. Nizamabad :H No. 4-9-55, 1St Floor, Uppala Rameshwara Complex, Jawahar Road,Nizambad - Andhra Pradesh - 503 001, Noida: 307 Jaipuria Plaza, D 68 A, 2nd Floor, Opp Delhi Public School, Sector 26, Noida - 201301. Palghat: 12/310, (No.20 & 21), Metro Complex, Head Post Office Road, Sultanpet, Palghat. Panipat: 1st Floor, Krishna Tower, Near Hdfc Bank, Opp. Railway Road, G T Road, Panipat - 132103. Panjim: No.7 & 8, El. Dorado Plaza, Heliodoro Salgado Road, Panjim - 403 001. Patiala: Sco 27 D, Chhoti Baradari, Patiala - 147 001. Patna: 202, 2nd Floor, Anand Tower, Beside Chankya Cinema Hall, Exhibition Road, Patna - 800 001. Pathankot: 9A, Improvement Trust Building, Patel Chowk, Pathankot - 145001. Pondicherry: First Floor, No.7, Thiayagaraja Street, Pondicherry - 605 001. Pune: Srinath Plaza, C Wing, Office No. 58 And 59, 3rd Floor, Dyaneshwar Paduka Chowk, Survy No. 184/4, F C Road, Pune - 411004. Puri: Ground Floor, Vip Road, Near Pkda Office, P.S.Puri, Puri 752001. Raipur: Room No.12 & 13, Ground Floor, Millennium Plaza, Behind Indian Coffee House, G E Road, Raipur - 492 001.Rajahmundry: Dr.No; 6-1-4, first floor, Rangachary street, Tnagar, Rajahmundry-533101. Rajkot: 104, Siddhi Vinayak Complex, Dr Yagnik Road, Opp Ramkrishna Ashram, Rajkot - 360 001. Ranchi: Commerce Towers, 3rd Floor, Room No. 307, Beside Mahabir Towers, Main Road, Ranchi - 834 001. Ratlam: Nagpal Bhavan, reeganj Road, Ratlam - 457001. Renukoot: Shop No. 18, Near Complex Birla Market, Renukoot - 231 217. Rewa: Ist Floor, Angoori Building, Besides Allahabad Bank, Trans University Road, Civil Lines, Rewa - 485 001. Rohtak: 1st Floor, Ashoka Plaza, Delhi Road, Rohtak - 124001. Roorkee :Shree Ashadeep Complex, 16 Civil Lines,Near Income Tax Office, Roorkee,Uttaranchal - 247 667, Rourkela: 1st Floor, Sandhu Complex, Kanchery Road, Udit Nagar, Rourkela - 769 012. Sagar: Above Poshak, 5 Civil Lines, Opposite Income Tax Office, Sagar - 470001. Saharanpur: 18 Mission Market, Court Road, Saharanpur - 247001. Uttar Pradesh. Salem: 49 / 50, Fort Main Road, Old No.17 First Floor, Shevapet, Salem - 636 002. Sambalpur: Quality Massion, 1st Floor, Above Bata Shoe hop/ Preeti Auto Combine, Nayapara, Sambalpur-768 001. Satna: 1st Floor, Kb Complex, Reva Road, Satna - 485 001. Shaktinagar: 1st/A-375, V V Colony, Dist Sonebhadra, Shaktinagar - 231 222. Shivpuri: Near Bank Of India, A B Road, Shivpuri-473 551. Shillong: Mani Bhawan, Thana Road, Lower Police Bazar, Shillong - 739 001. Shimla: Triveni Building, By Pas Chowk, Khallini, Shimla - 171 002. Shimoga: Llr Road, Opp Telecom Gm Office, Durgi Gudi, Shimoga - 577201. Sikar: 1st Floor, Super Towers, Behind Ram Mandir, Station Road, Sikar-332001. Silchar: 1st Floor, Chowchakra Complex, N N Dutta Road, Premtala, Silchar - 788001. Siliguri: Nanak Complex, Near Church Road, Sevoke Road, Siliguri - 734001. Sitapur: 12/12-A Sura Complex, Arya Nagar Opp. Mal Godam, Sitapur - 261001. Solan: Sahni Bhawan, Adjacent Anand Cinema Complex, The Mall, Solan-173 212. Surat: G-16 Empire State Building, Nr Udhna Darwaja, Ring Road, Surat-395009. Solapur :Siddeshwar Secrurities, No 6, Vaman Road,Vijaypur Road, Vaman Nagar,Solapur- Maharashtra - 413 004, Sonepat: 205 R Model Town, Above Central Bank Of India, Sonepat. Sri Ganganagar: 4-E Block, Near Union Bank Of India, Sri Ganganagar - 335001.Srikakulam: 4-1-28/1. Venkateshwara Colony, Day & Night Junction, Srikakulam - 532001.Sultanpur: 1090, Hotel Sanjay Delux Compound, In Front Of Dm Bunglow, Golagath, Sultanpur - 228 001.Thanjavur:Nalliah Complex, No.70, Srinivasam Pillai Road, hanjavur - 613001. Theni: Ramesh Murugan Complex, Near Sriram Theatre, Subban Chetty Street, Theni - 625531. Tezpur: 1st Floor Mayur Bhawan, Binraj Road, Tezpur - 784001. Thodupuzha: First Floor, Pulimoottil Pioneer, Pala Road, Thodupuzha - 685584. Tirunelveli: Jeney Building, 55/18, S N Road, Near Arvind Eye Hospital, Tirunelveli - 627 001. Tirupur: First Floor, 224 A, Selvakumar Departmental Stores, Ist Floor, Kamaraj Road, Opp To Cotton Market Complex, Tirupur - 641 604. Tirupathi: # 330, Tilak Road, Near Four Piller Mandapam, Tirupati - 517501. Trichur: 2nd Floor, Brother’s Complex, Near Dhana Laxmi Bank Head Office, Naikkanal Junction, Trichur - 680 001. Trichy: 60 Srikrishna Arcade, 1st Floor, Thennur High Road, Trichy - 621017. Trivandrum: 2nd Floor, Akshaya Towers, Sasthamangalam, Trivandrum - 695 010. Tuticorin: 4 B, A34, A37, Mangalmal, Mani Nagar, Opp: Rajaji Park, Palayamkottai Road, Tuticorin - 628003. Udaipur: 201-202, Madhav Chambers, Opp. G.P.O, Chetak Circle, Madhuban, Udaipur - 313001. Ujjain: 101, Astha Tower, 13/1, Dhanwantri Marg, Free Gunj, Ujjain - 456010. Valsad: Shop No 2, Phiroza Corner, Icici Bank Char Rasta, Tithal Road, Valsad - 396001. Vapi: Shop No 5, Phikhaji Residency, Opp Dcb Bank, Vapi Silvassa Road, Vapi - 396195. Varanasi: D-64/132, Ka 1st Floor, Anant Complex, Sigra, Varanasi - 221 010. Vellore: No.1, M.N.R. Arcade, Officer’s Line, Krishna Nagar, Vellore - 632001. Vijayawada: 39-10-7 Opp : Municipal Water Tank, Labbipet, Vijayawada - 520 010. Visakhapatnam: 47-14-5/1 Eswar Paradise, Dwaraka Nagar, Main Road, Visakhapatnam - 530 016. Vizianagaram: “Soubhagya”, 19-6-1/3, Ii Floor, Near Sbi Fort Branch, Vizianagaram-535 002. Warangal: Lashkar Bazar, 5-6-96, Chandra Complex, Hanmakonda, arangal - 500601. Yamuna nagar: Jagdhari Road, Above Uco Bank, Near D.A.V. Grils College, Yamuna Nagar-135 001.