Blue Red

Key Information Memorandum Cum Application Form for Reliance

Relianc e N
eliance at
Nat ur
atur al R
ural esour
Resour c es F
esourc und
Fund Natural Resources Fund
Pleas
Pleasee rref
efer ccompl
efer omplet
omplet e det
ete ail
ailss on al
detail alll pages and scheme descrip
pages tion / det
description ail
ailss w
detail hil
whil e appl
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ying..
applying An Open -ended Equity Scheme

Express Building, 4th Floor, 14 - ‘E’ - Road, Churchgate, Mumbai - 400 020. Sr RNRF00004958
Sr.. No. RNRF

1. DISTRIBUTOR / BROKER INFORMATION FOR OFFICE USE ONLY

Name & Broker Code / ARN Sub Broker / Sub Agent Code Bank / Register Serial No.

NJ India Invest / ARN-0155 54934

2. EXISTING UNIT HOLDER INFORMATION For existing investors please fill in your Folio number, name & proceed to Investment & Payment Details.
EXISTING FOLIO NO. Name of Sole / 1st applicant

3. APPLICANT INFORMATION (Refer Instruction No. II )

MODE OF HOLDING Single Joint Any one or survivor(s) Default Joint Former or Survivor (In case of Minor with joint applicant)

OCCUPATION Business Professional Service Retired Student Housewife Others _____________________________

STATUS Individual FIIs Society AOP/BOI Banks FIs Company/Body Corporate

Partnership firm HUF Minor NRI Repatriable NRI Non-Repatriable Trust Others _____________________________

Name of First / Sole applicant Mr

Mr.. Ms. M/s.
M/s.

1st holder PAN PAN Mandatory KYC Mandatory for investment of Rs. 50,000 & above Date of Birth*
M a n d a t o r y PAN Proof Enclosed [Are you KYC Compliant Please (9) Yes or No ] D D M M Y Y Y Y

Name of Guardian (In case of Minor-Contact Person/Designation - In case of non-individual Investors) Mr

Mr.. Ms. Relation with Minor/Designation

Guardian’s PAN PAN Mandatory KYC Mandatory for investment of Rs. 50,000 & above
M a n d a t o r y PAN Proof Enclosed [Are you KYC Compliant Please (9) Yes or No ]
Relation with Minor/Designation
Name of Second applicant Mr
Mr.. Ms. M/s.
M/s.
*Incase of minor as joint applicant

2nd holder PAN PAN Mandatory KYC Mandatory for investment of Rs. 50,000 & above Date of Birth*
M a n d a t o r y PAN Proof Enclosed [Are you KYC Compliant Please (9) Yes or No ] D D M M Y Y Y Y

Name of Third applicant Mr

Mr.. Ms. M/s.
M/s.

3rd holder PAN PAN Mandatory KYC Mandatory for investment of Rs. 50,000 & above Date of Birth*
PAN Proof Enclosed [Are you KYC Compliant Please (9) Yes or No ] D D M M Y Y Y Y
M a n d a t o r y

Mailing Address of Sol

Address e/F
Sole ir
Fir st Applic
irst ant (P
Applicant .O. Bo
(P.O. x Addr
Box ess ma
Address y no
may nott be su
suffficient)
Add 1

Add 2 District

City State PIN*

OVERSEAS COR
COR RE
ORRE SPONDENCE ADDRE
RESPONDENCE ADDRESSS (MANDATOR
(MANDA YF
ORY OR NRI / FII APPL
FOR IC
APPLIC ANT)
ICANT)

City Country PIN*

CONTACT DETAILS OF SOLE/FIRST APPLICANT Tel. NO. STD Code ________Office _______________Residence _______________________M
Mobil e No. (F
obile or R
(For ec
Rec eiving SMS Al
eceiving er
Aler t) _____________________________
ert)
Please provide your email ID for email updates
Email ID
I/We wish tto
I/We o rrec
ec eiv
eceiv e Account St
eive at
Stat ement / Annual R
atement epor
eportt / Quar
Repor Quartterly St
erly at
Stat ement via email inst
atement ead of ph
inste ysic
phy al.
sical.

I WISH TO APPLY FOR RELIANCE ANY TIME MONEY CARD (Please refer Instruction NO. VII)
Name as you would like to appear on Any Time Money Card (Max. 19 characters) Mother’s maiden name in full I WISH TO APPLY FOR TRANSACT ONLINE

4. BANK ACCOUNT DETAILS (Refer Instruction No. 15 & 16) (MANDATORY FOR REDEMPTION / DIVIDEND AND REFUND PAYOUT)
A/c. type SB Current NRO NRE FCNR Account No. M a n d a t o r y

Bank M a n d a t o r y Branch M a n d a t o r y
Payable Branch
Location City M a n d a t o r y

PIN IFSC Code Fo r Credit via NEFT 9 Digit MICR Code M a n d a t o r y

5. INVESTMENT & PAYMENT DETAILS (Separate Application Form is required for investment in each plan (Refer instruction no. iv & 5) PAYMENT BY CASH IS NOT PERMITTED.
Plan Option Gross Amount DD Charges Net Cheque / DD Amount Rs. Cheque / DD No. & Date Bank / Branch
Growth Option
Growth Plan
Bonus Option
Reinvestment Option
Dividend Plan Payout Option
6. SIP ENROLLMENT DETAILS The first SIP instalment date should be later or on 28 March, 2008.
Frequency (Please 9) Monthly Quarterly SIP Date 2 10 18 28

Enrollment Period: From: M M Y Y To: M M Y Y Amount per Instalment: Rs.

7. SIP PAYMENT TYPES

OPTION I : Debit Through ECS (Fill Auto Debit / ECS Mandate Form)
OPTION II : Auto Debit Instruction (Investors having bank accounts with HDFC, HSBC, ICICI, Axis Bank tick this box & fill Auto Debit / ECS Mandate Form)
8. NOMINATION (Refer instruction no. v)
Nominee’s Name Mr
Mr.. Ms. Date of Birth*
D D M M Y Y Y Y
Name of Parent / Guardian in case of Minor Mr
Mr.. Ms. Relation with Minor / Designation

Address of Nominee / Guardian

Specimen Signature of Nominee/

City PIN Minor Nominee’s Guardian
9. DECLARATION
I/We would like to invest in Reliance Natural Resources Fund subject to terms of the Offer Document and subsequent amendments thereto. I/We have read the instructions and the Offer Document before filling the Application Form. I/We have
understood the details of the scheme and I/We have not received nor been induced by any rebate or gifts, directly or indirectly, in making this investment. Declaration : I have read and understood the Terms and Conditions governing the investment
under Reliance Natural Resources Fund of Reliance Mutual Fund and those relating to various services including, but not limited to ATMs/ Debit Card. I accept and agree to be bound by the said Terms and Conditions including those excluding/ limiting
the Reliance Capital Asset Managements Limited (RCAM) liability. I understand that the RCAM may, at its absolute discretion, discontinue any of the services completely or partially without any prior notice to me. I agree RCAM debit from my folio
for the service charges as applicable from time to time. I confirm that I am resident of India. Applicabl
Applicable tto
able o NRI
NRIss only:- I/We confirm that I am/We are Non-Resident of Indian Nationality/Origin and I/We hereby confirm that the funds for subscription
only:-
have been remitted from abroad through normal banking channels or from funds in my/our Non-Resident External / Ordinary Account/FCNR Account. I/We undertake that all additional purchases made under this folio will also be from funds received
from abroad through approved banking channels or from funds in my/ our NRE/FCNR Account.
Sole / 1st Applicant / Guardian / Authorised Signatory 2nd Applicant / Authorised Signatory 3rd Applicant / Authorised Signatory
SIGNATURE/S
SIGNAT

Sr RNRF00004958
Sr.. No. RNRF
Received from ________________________________________________________________________________ an appliction for allotment of Units under Reliance Natural Resources Fund as per details below.

Growth Option Bonus Option Dividend Payout Op

Pa tion
Option Dividend Reinvestment Option

Cheque / DD No. ____________________ Dated ____________________ Rs. __________________________

Signature, Date & Stamp
drawn on __________________________________________________________________________________ of receiving office
Blue Red

Reliance
Natural Resources Fund
An Open -ended Equity Scheme

Express Building, 4th Floor, 14 - ‘E’ - Road, Churchgate, Mumbai - 400 020. Sr RNRF00004957
Sr.. No. RNRF

AUTO DEBIT / ECS MANDATE FORM

Application to be submitted at least 21 working days before the commencement of SIP Please read the instructions carefully, before filling up the application. Leave one box blank between two words.
TO BE FILLED IN CAPITAL LETTERS. PLEASE (9) WHICHEVER IS APPLICABLE
1. DISTRIBUTOR / BROKER INFORMATION
Name & Broker Code / ARN No. Sub Broker / Sub Agent Code
NJ India Invest / ARN-0155 54934
2. APPLICANT DETAILS
Folio No.
Name of Sole/1st holder PAN No.
Name of 2nd holder PAN No.
Name of 3rd holder PAN No.

SCHEME NAME____________________________________________________ Option_____________________________ Plan _____________________________ SIP Amount

Frequency (Please 9) Monthly (default) Quarterly SIP Date 2 10 18 28 Enrollment Period: From: M M Y Y To: M M Y Y

BANK ACCOUNT DETAILS

Accountholder Name as in Bank Records Date of Birth*
D D M M Y Y Y Y
A/c. type SB Current NRO NRE FCNR Account No. M a n d a t o r y

Bank M a n d a t o r y Branch M a n d a t o r y
Payable Branch
Location City M a n d a t o r y

PIN 9 Digit MICR Code M a n d a t o r y Mandatory Enclosures: Blank cancelled cheque Copy of cheque

(*Mandatory : Please enter the 9 digit number that appears after your cheque number) MICR code starting and / or ending with 000 are not valid for ECS.
DECLARATION
This is to inform you that I/We have registered with Reliance Mutual Fund through their authorised Service Provider TechProcess Solutions Ltd / respective banks for the RBI’s Electronic Clearing Service (Debit Clearing) / Auto
Debit Facility and that my payment towards my investment in Reliance Mutual Fund shall be made from my/our below mentioned bank account with your bank. I/We authorised the representative carrying this ECS / Auto Debit
to account mandate form to get it verified & executed.
I/We undertake to keep sufficient funds in the funding account on the date of execution of standing instruction. I hereby declare that the particulars given above are correct and complete. If the transaction is delayed or not
effected at all for reasons of incomplete or incorrect information, I would not hold the Mutual Fund or the Bank responsible. If the date of debit to my/ our account happens to be a non business day as per the Mutual Fund
or a Bank holiday, execution of the SIP will happen on the next working day and allotment of units will happen as per the Terms and Conditions listed in the Offer Document of the Mutual Fund. The above mentioned Bank
shall not be liable for, nor be in default by reason of, any failure or delay in completion of this service, where such failure or delay is caused, in whole or in part, by any acts of God, civil war, civil commotion, riot, strike, mutiny,
revolution, fire, flood, fog, war, lightening, earthquake, change of Government policies, Unavailability of Bank's computer system, force majeure events, or any other cause of peril which is beyond the above mentioned Banks
reasonable control and which has the effect of preventing the performance this service by the above mentioned Bank.
SIGNATURE/S AS PER RELIANCE MUTUAL FUND (MANDATORY) SIGNATURE/S AS PER BANK RECORDS (MANDATORY)
Sole / 1st Applicant / Guardian / Sole / 1st Applicant / Guardian /
Authorised Signatory Authorised Signatory

2nd Applicant / 2nd Applicant /

Authorised Signatory Authorised Signatory

3rd Applicant / 3rd Applicant /

Authorised Signatory Authorised Signatory

Place : Date : D D M M Y Y Y Y Place : Date : D D M M Y Y Y Y

FOR OFFICE USE ONLY (Not to be filled in by Investor)
Recorded on Scheme Code Recorded by

Credit Account Number Bank use Mandate Ref. No. Customer Ref. No.

TERMS AND CONDITIONS FOR SIP AUTO DEBIT / ECS MANDATE FORM
1. This facility is offered only to the investors having bank accounts in select cities (ECS) and select banks (HDFC NAV, Risk Factors, Load and other information.
Bank, ICICI Bank, Axis Bank and HSBC Bank). 12. You ccan
an choos
choosee tto
o changey
change our bank ac
your count or disc
acc ontinue this ffacilit
discontinue acilityb
acility y giving ffif
by if
iftteen d
daays writ
writtten
2. Please submit the following documents atleast 21 working days before the first SIP date for ECS (Debit no tic
notic
ticee tto
o any of our In
any vest
Inv or Ser
estor vic
Servic eC
vice entr
Centr es.
entres.
Clearing): Ne Neww In vest
Inv or
orss - Application Form with SIP ECS Form / SIP Auto Debit Form.
estor 13. Allotment of units would be subject to realisation of credit.
* The first SIP cheque should be issued from the same bank account which is to be debited under ECS/Auto 14. An investor can opt for Monthly or Quarterly frequency.
Debit for subsequent installments. i.e The first cheque should be drawn on the same bank account which is 15. Minimum investment amount
to be registered for ECS (Debit) /Auto Debit. Monthly SIP Option - 60 instalments of Rs. 100/- each or 12 instalments of Rs. 500/- each or 6
In case the first cheque is issued from an account which is different from ECS Auto Debit Account, then a instalments of Rs. 1,000/- each and in multiples of Re. 1/- thereafter.
specimen cancelled cheque from ECS Debit Account (as mentioned on the application form should be Quarterly SIP Option - 12 instalments of Rs. 500/- each or 4 instalments of Rs. 1,500/- each and in
submitted along with other requirements. multiples of Re. 1/- thereafter.
3. The bank account provided for ECS (Debit) should participate in local MICR clearing. The first SIP instalment date should be later or on 28th March, 2008. However, only one SIP transaction per
4. The cities in the list may be modified/updated/changed/removed at any time in future entirely at the month/quarter per Folio / Account is permitted.
discretion of Reliance Mutual Fund / Reliance Capital Asset Management Limited without assigning any 16. During NFO, SIPs will be accepted only through ECS Auto Debit or Direct Electronic Debit to the investor’s bank
reasons or prior notice. If any city is removed, SIP instructions for investors in such cities via ECS (Debit) route account.
will be discontinued without prior notice. In such a case, the AMC at its sole discretion may accept post dated 17. The applicable NAV for the 1st installment (in respect of the 1st cheque) will be as per the date & time at
cheques (PDC’s) form the investors for the balance period. which the same has been received at DISC of RCAM / Karvy. If the date of the subsequent SIP cheque /
5. MICR code starting and / or ending with 000 are not valid for ECS. installment is a non-transaction day for the scheme, then the units shall be allotted on the next / following
6. SIP auto debit facility is available only on specific dates of the month i.e. 2nd or 10th or 18th or 28th. transaction day.
7. The investor agrees to abide by the terms and conditions of ECS/Auto Debit facility of Reserve Bank of India
(RBI). 18. Please write the SIP Form number / the first applicant’s name on the reverse of the cheque accompanying
8. Investor will not hold Reliance Mutual Fund / Reliance Capital Asset Management Limited, its registrars and the SIP Form.
other service providers responsible if the transaction is delayed or not effected or the investor bank account 19. Payments may also be accepted by direct debit to applicant’s bank account by ECS or Auto Debit (with whom
is debited in advance or after the specific SIP date due to various clearing cycles of ECS / local holidays. Reliance Mutual Fund has a tie up for this facility). For this purpose, the applicant are required to give a
9. Reliance Mutual Fund / Reliance Capital Asset Management Limited, its registrars and other service providers standing instructions in the prescribed form to the bankers to debit their bank accounts at periodic intervals
shall not be responsible nor liable for any damages/compensation for any loss, damage etc. incurred by the and credit the subscription proceeds to Reliance Mutual Fund’s bank account. Please contact the nearest DISC
investor. The investor assumes the entire risk of using this facility and takes full responsibility. for details of banks offering this facility.
10. Reliance Mutual Fund / Reliance Capital Asset Management Limited reserves the right to reject any 20. The Unit holders can choose to opt out from the SIP at any point of time by submitting a written request to
the nearest DISC. Such request for discontinuation should be received at least 15 days prior to the next due
application without assigning any reason thereof. date of the SIP. On receipt of such a request, the SIP will be discontinued for the folio
11. Please read the Key Information Memorandum and Offer Document of respective Scheme(s) for Applicable
DE SIGNA
DESIGNA TED BRANCHE
SIGNATED BRANCHESS FOR C
FOR OLLEC
COLLEC TI
OLLECTI ON OF APPL
TION IC
APPLIC ATI
ICA ON F
TION ORM ONL
FORM Y DURING NEW F
ONLY UND OFFER
FUND
HDF
HDFC C Bank - Ag Agrra: Shop No F3,F3-A; Ahme Ahmed d abad: HDFC Bank House; Ahme dnag
Ahmednag ar: Amber Plaza, Station Road; Ajmer: AMC No - 13/10 & 14/10; Ak
dnagar: ol
Akol a: Sethi Heights, Opp To Collector Office; Alig
ola: arh: 3-316 Ramghat Road; Al
Aligarh: Alll ahabad: 54/
1 S.P. Marg Civil Lines; Al war: Bhagat Singh Circle; Ambal
Alw Ambala: a: Shingar Palace Complex; Amr Amraavati: C/O Rasik Plaza, Jaistambh Chowk; Amr eli: 2 Manekpura; Amrit
Amreli: Amritss ar: 1st Floor, R.S Towers; Anand: 1st Floor, Sanket Towers; Ank Anklleshwar: S A Motors Building;
eshw
A s ansol: CMS Dept; Aur ang
Aurang abad: Shivani Chambers; Bal
angabad: asor
Balasor e: C/O Bharat Motors; Bang
asore: Bangalal or
alor e: No 8 / 24 Salco Centre; Bar
ore: doli: Shree Ambika Niketan Temple; Bariel
Bardoli: Bariellly: 154, Krishna Palace; Bar od
Barod a: 5th Floor, Midway Heights; Beg
oda: us
Begus
usararai: Kachari
arai:
Chowk; Bel Belggaum: 3rd Floor, Khimjibhai Complex; Bhag alpur: Khalifa Bagh Chowk; Bharuch: Near Octroi Naka Link Road; Bhatind
Bhagalpur: a: 3027 - B Guru Kanshi Marg; Bha
Bhatinda: vnag
Bhavnag ar: Gopi Arcade; Bhil
vnagar: ai: Chauhan Estate; Bhil
Bhilai: war
Bhilw a: 2-3-4, S.K Plaza Complex;
ara:
Bhiw adi: Sp 54 Ashiana Arcade; Bhopal: E - 1/57, Arera Colony; Bhubanesh
Bhiwadi: Bhubaneshw war: Junction of Janpath & Gandhi Marg; Bhuj: 101 & 102 Sunrise Tower; Bhus Bhusa aval: Mansingh Complex, C.T.S No 3294; Bok ar
Bokar o: B-9 City Centre, Sector IV; B ur
aro: d wan
urd an:
45 G.T Road; Calicut: Malabar Palace; Chal Chalakak ud
akud y: Police Station Road; Chandig
udy: arh: Sco 371/372; Chang
Chandigarh: anacherr
Changanacherr
anacherry: y: CMS Dept, Golden Tower; Cheng annur: Govt Hospital Junction; Cochin: 1st Floor, Sl Plaza; Coimbat
Chengannur: oimbatoror e: 1635 Classic Tower;
ore:
Curchorem: CMS Dept; Cuttack: Bajrakbati Road; Dahanu: Matruashish Building; Daman: Arc Shopping Mall, Dilip Nagar; Davangere: No 621, BHM Enclave; Dehradun: 56, Rajpur Road; Delhi: Figops, Ist Floor; Dhanbad: Sri Ram Plaza, 1st Floor;
Dhar ams
Dharams
amsal al a: 363 / 6 Centre Point; Dhul
ala: Dhule:e: Lane No 6, Mundada Arcade; Durg apur: A102 & 103, City Centre; Er
Durgapur: ode: 456 Brough Road; Fer
Erode: oz epur: CMS Dept; Gandhidham: Plot No 1, Sector 8; Ga
ero Gay ya: Near Ganta Ghar; Gond al: Ground And First
Gondal:
Floor; Gor akhpur: CMS Dept, Prahlad Rai Trade Centre; Gunt
Gorakhpur: ur: 87-90, Main Road; Gur
Guntur: Gurdd aspur: CMS Dept, SCF-1 & 2 Shopping Complex; Guw ahati: Fancy Bazar Branch - WBO; Gw
Guwahati: alior: Block G1, Plot No. 43; Hajipur: Vimal Complex, Dak Banglow
Gwalior:
Complex; Haldwani: 8/6, Nainital Road; Hazaribagh: Annada Chowk; Himatnagar: G.F Shop No 5-8 & First Floor 4 - 9; Hisar: Sco 170 A Commercial Building; Hoshirapur: Sco 1-2-3, Scheme No 11; Hosur: No. 24 & 25, Maruthi Nagar; Hubli:
T B Revankar Complex; H y der abad: 6-1-73 3rd Floor Saeed Plaza; Indor
derabad: Indore:e: 3rd Floor, 9/1A, U.V.House; Irinjal ak
Irinjalak ud
akud a: Ushus Complex; Jabalpur: 1702, Naiper Town; J ag
uda: agrraon: 368 B, Kapoor Building; J aipur: 1st Floor, O - 10, Ashok Marg; Jal andhar:
alandhar:
911, Near Narinder Cinema; J al gaon: Plot No 134 / 135, DSP Chowk; Jammu: Cb 13, Railhead Complex; Jamnag
alg amnagar:ar: Plot No 6, Park Colony; Jamshe dpur: C/O Mithila Motors Ltd; Jhansi: Damroo Cinema Complex; Jodhpur: Plot No 57 / B;; Junag
amshedpur: adh:
unagadh:
Moti Palace, Ground Floor; Kadi: Radhaswami Complex, R.S No 242; Kaly Kaly ani: B-7/40 & 41(s) Central Avenue West, Central Park; Kannur: CMS Dept; Kanpur: Navin Market Branch; Kapur thal
Kapurthal a: Mgn School; Kar
thala: ad: Near Hotel Sangam; Karnal: Sco
Karad:
778-779; Karur: 126 / D / E, Anna Plaza; Khanna: Opp Bus Stand; Kolhapur: Gem Stone, Raosaheb Vichare Complex; Kolkata: Abhilasha II, 6; Kota: Show Room No 13 - 14; Kottayam: Unity Building, Opp MIDC Centre; Kurukshetra: CMS Dept,
Shop No 1 to 5, Kalawati Market; Lat ur: Shri Prabha Arcade, Shop No 3-6; Luckno
Latur: w: Pranay Tower, Darbari Lal Sharma Marg; Ludhiana: CMS Dept, 5th Floor; M adr
ucknow: as: Mariam Centre, Ground Floor; M adur
adras: ai: 7 - A, West Veli Street; M andi Gobindg
adurai: arh:
Gobindgarh:
Hukum Chand Bansal Building; M ang al
angal or
alor e: M.N Towers; M anjeri: CMS Dept, Kurikal Plaza, Bldg #20/1245 Kacheripady; M apuc
ore: apuca:a: S 1 / 2 Ground Floor, Cosmos Towers; M arg oa: Ranghavi Building, Opp Municipality Garden; M athur
argoa: a: CMS Dept,
athura:
Ops BSA College; M eerut: 381 Western Kachery Road; M ehs ana: Prabhu Complex, Near Raj Kamal Petrol Pump; M o g a : G.T Road; M o rra
ehsana: ad abad: Chaddha Shopping Complex; M o rrvi:
dabad: vi: Om Shopping Center; M umbai: Maneckjiwadia Building;
Muzzaf arnag
uzzafarnag ar: 53/4-A Bhag Kambal Wala; Muzzaf
arnagar: arpur: Above Maruti Showroom; My sor
uzzafarpur: e: Mythiri Arcade; Nabha: Sco 14-15; Nadiad: Shoot Out Building, Nadiad Ice Factory Compound; N agpur: 303 & 304 3rd floor, Wardh Road; Nasik: Archit
sore:
Centre, 3rd Floor, Chandak Circle Link Road; N avs ari: Nandini Complex, Ground Floor; N awanshahar: B 1 / 48; Nel
vsari: Nelllor e: G.T Road; Pal
ore: akk
alakkad: 8 / 246; Pal
akkad: anpur: Parth Complex , Near Cozy Tower; Panipat: 801 / 4, G.T Road; Panjim: Swami Vivekanand
alanpur:
Road; Pathanamthit
athanamthittt a: CMS Dept, Aban Arcade Ward # 9/1128; Patial a: S.c.o 70 - 73, Leela Bhawan Market; Patna: Rajendra Ram Plaza; Perinthalmanna: Calicut Road; Phag
atiala: Phagwwar a: Kalra Road, Opp Hanuman Garhi Mandir; Pond
ara: a: Royal Chambers,
onda:
Gd1 -gd4; Pondicherr
ondicherry:y: Ts No 6, 100 Feet Road; Porband ar: Om Shiv Sakthi; P une: 5th Floor Millennium Tower, Bhandarkar Road; Quil
orbandar: on: Vgp Buildings, Door No XVI / 1539 (1320a); Raipur: Chawla Complex, Near Vanijya Bhawan, Sai Nagar;
Quilon:
Rajamundr
ajamundry: y: H.No : 46-17-20; Rajk o t: Opp Alfred High School; Rajpur
ajko ajpura:a: 11 - 12 Block B; Ranchi: Rohini 1st Floor; Ranig anj: NSB Road; Rewari: L-203. Old Court Road; R ishik
aniganj: esh: M No 53, M J Mall; Rohat
ishikesh: ak: 401 -402, D Park; Roork
ohatak: ee: 313
oorkee:
/ 8, Civil Lines; Ropar: Sohana Chandigarh Rd; Rourk ourkelel a: Bisra Road, Dwivedi Bhawan; Rudr
ela: apur: Plot No1&2, Nanital Road; Sahar
udrapur: anpur: Mission Compound; Sal
Saharanpur: em: 5 / 241 - F, Rathna Arcade; Sambalpur: Nayapara; Sangli: 640, Venkatesh Senate;
Salem:
Sang rur: Shop No. 1-2-3 Kaula Park Market; Shil
Sangrur: Shilllong: Police Bazar; Shiml a: Jankidas Building; Silig
Shimla: uri: 3 No, Ramkrishna Samity Building; Sil
Siliguri: vass
Silv a: 1-16 Jaypee House, Opp Patel Petrol Pump; Sol
assa: an: Anand Bhavan; Srinag
Solan: ar: M.S Shopping Mall;
Srinagar:
Sur at: 7th Floor, Kashi Plaza; Sur
Surat: endr
Surendr anag
endranag
anagar:ar: Middle Point; Thal ass
Thalass er
asser y: Avk Nair Road; Thiruv
ery: Thiruvalal
alll a: Illampallil Buildings; T irunel v eli: 12, 13 Trivandrum High Road; T irupathi: H.No 10 - 14 - 575 / A3; T irupur: 160, Chidambaram Complex; Trichur:
irunelv
Global Centre; Trich y: A - 10, Lakshmi Arcade; Triv
richy: andrum: Kenton Towers; Ud
rivandrum: aipur: 358 Post Office Road; Udupi: Panduran Towers; Unjha: Suvidhi Complex, 1st Floor, Nr. Radha Krishna Temple; Val
Udaipur: alss ad: 1st Floor, Ekta Appt, Near R J J High School;
Vapi: Lower Ground, Emperor Arcade; Var anasi: D 58 / 2 Kuber Complex; Vasc
aranasi: o: Ground Floor, Damodar Building; Ver
asco: aval: Amrutdeep, Opp Public Garden; V ija
era yw
ijayw ad a: 40 - 1 -48 / 2, M.G Road; V ishak
ada:
ywad apatnam: 1st Floor, Poduri Castle; War
ishakapatnam: ang
arang al:
angal:
No 1-8-605 / 1 Nakkalgutta; Yamunag amunagar: ar: 103, Model Town.
AXIS Bank - Ag ar
artt al
Agar a: Banik Tower, Hg Basak Road; Ag
ala: Agrra: Ground Floor, Block No.41/4A; Ahme Ahmed d abad: ‘Trishul’, Opposite Samartheshwar Temple; Ahme dnag
Ahmednag ar: Hotel Sanket Complex; Aiza
dnagar: wl: House No. A/69/A, Chanmari; Ajmer: AMC No.481-
Aizawl:
485/10,Kutchery Road; Alig arh: Omji Complex, Ramghat Road; Al
Aligarh: Alll ahabad: 28B, Civil Station; Ambal Ambala:a: LIC Office, Ambala Cantonment; Amr Amraavati: Ground Floor, Gulshan Tower; Amr eli: Om Nagnath Complex; Amrit
Amreli: Amritss ar: 29, Kennedy Avenue, Court
Road; Anantapur: No.1946, Nithin Complex; Asansol: Purbasha Banquet Hall, Apurba Complex, Apcar; Atul: Quarter No. Ao/5; Aurangabad: ‘Sakar Building’; Ballabgarh: Plot No.40, Sco, Sector 7; Bangalore: No. 9, M. G. Road; Baramati: Plot No.485,
‘Guddi’ Building; Bar eil
eillly: 148, Civil Lines; Bel
Bareil gaum: CTS No. 5854, Congress Road; Berhampur (Ganjam): Time World, Plot No. 1195; Bhag
Belg alpur: 34, Patal Babu Road; Bharuch: Shri S’Ad Vidya Mandal Institute Of Technology; Bha
Bhagalpur: vnag
Bhavnag ar: Plot No.6
vnagar:
B Opposite Dakshinamurthy School; Bhil ai: Block A, Plot No. 5 Utttar Gangotri; Bhil
Bhilai: Bhilwwar a: Ganpati Enclave, Heera Panna Campus; Bhopal: Star Arcade, Plot No.165 A & 166; Bhubanesh
ara: Bhubaneshw war: C/O. Archbishop’S House; Bik aner: Shree Gaurav Complex,
Bikaner:
Daga Maidan; Bil aspur: Rama Trade Centre; Bok
Bilaspur: Bokarar o: Hotel Blue Diamond, Ground Floor; C
aro: alicut (K
Calicut o zhik
(Ko ode): “Karupalli Arcade”; Chandig
zhikode): arh: SCO 343-344; Chennai: 82, Dr.Radhakrishnan Salai; C
Chandigarh: ochin (K
Cochin ochi): 41/419, Ground Floor; C
(Kochi): oimbat
Coimbat
oimbatoror e:
ore:
Vigneswar Cresta, No.1095, Avinashi Road; Cuttack: Jayashree Plaza; Darjeeling: Maryland Resorts Ltd., Rink Mall; Davanagere: No. 821, Renuka Extension; Dehradun: 56, Raipur Road; Dewas: LIC Of India, Dewas; Dhanbad: Shri Ram Plaza; Dimapur:
Circular Road, Near City Tower; Durg apur: No. 101/N, Sahid Khudiram Sarani; Er
Durgapur: ode: R.S. No. 418/2, Adjoining Sudha Nursing Home; F
Erode: aizabad: Plot No. 2/1/6, Opposite Circuit House; F
Faizabad: aridk
Faridk
aridko o t: B-VI/65, Circular Road; F er
Fer
eroo z epur: ES-30/3, Harji
Niwas; Gandhidham: Plot No.349, Sector 12/B; Gang Gangttok: New Market, M.G. Road, Opp. Hotel Tashe Delek; Gha ziabad: Plot No. III, N/30; Gor
Ghaziabad: akhpur: Plot No. 560, Mohalla Purdilpur; Gunt
Gorakhpur: Guntur:ur: 1st Floor, P. R. Raju Plaza, 11-1-1; Gurg aon: SCO-
Gurgaon:
29, Sector-14, Near HUDA Office; Guw ahati: Ground Floor, Chibber House; Gw
Guwahati: alior: Ground Floor, Kanwal Complex, Shrimant Madhavrao; Harid
Gwalior: war: 6, Hari Nagar, Opposite Hotel Classic Residency; Hiss
Haridw ar: Sco No. 177; Hubli: Kalburgi Plaza;
Hissar:
H y der abad: 6-3-879/B, G. Pulla Reddy Bldg.; Indor
derabad: Indore:e: Kamal Palace; IItt anag ar: Teli Plaza, Near MLA Cottage; Jabalpur: 124, Napier Town; Jaipur: O-15, Green House; J al
anagar: alggaon: Patel Plaza; Jalalll and
andarar (J al
(Jal andhar): 50, Badri Dass Colony, Mahavir Marg;
alandhar):
J alna: Head Post Office Road; Jalpaig uri: A C College Of Commerce, Jalpaiguri; Jammu: Ground Floor, Highland Tower; J amnag
alpaiguri: ar: Matru Ashish; Jamshe
amnagar: dpur: Voltas House; Jhansi: City Plaza Building; Jodhpur: Showroom No.4; Kannur (C
amshedpur: annanor
(Cannanor e):
annanore):
Peekay Commercial Complex, Nr. Pothery Nursing Home; Kanpur: 18/179, The Mall, Opp Phool Bagh; Kapur thal
Kapurthal a: 1st Floor, Nanha Complex, Mall Road; Karimnag
thala: ar: Business Towers, Mukarrumpura; K
Karimnagar: olhapur: Ground Floor; K
Kolhapur: olk
Kolk at
olkat a: Ground & First
ata:
Floors; K ol
olll am (Quil
Kol on): Vaidya Commercial Arcade; K
(Quilon): o t a: 414, Shopping Centre; K
Ko o tt ayam: No.IX - 311, A/ 2; K
Ko rishnanag
Krishnanag ar (Wb): 12, M.M. Ghosh Street; K
rishnanagar urnool: 40/581, S.V. Complex; L
Kurnool: uckno
Luckno
ucknow: w: Halwasiya House; L udhiana: Shop No.3, Lgf;
Ludhiana:
M adur ai: Door No. 4; M
adurai: ald
Mald a: Malda Muslim Institute ; M
alda: Malal out: Khasra No.1792, Khatouni No.960; M
alout: ang
Mang al
angal or
alor e: Essel Towers, Bunts Hostel Circle; M
ore: apus
Mapus a: Edean Center; M
apusa: arg ao: Shop No. 1, 2,3; M
argao:
Marg eerut: Hotel Crystal Plaza; M
Meerut: ehs
Mehs ana: Shop No.
ehsana:
1 To 5 (Ground Floor); M ohali: SCF 113 & SCF 114; M
Mohali: Moror ad
orad abad: No.8/10/6, Sarai Khalsa; M
adabad: umbai: Universal Insurance Bldg.; M
Mumbai: ussoorie: Garhwal Mandal Vihas Nigam Ltd (Gmvn); M
Mussoorie: uzafffarpur: RD Complex, Club Road; M
uzaf
Muzaf Myy sor
sore:e: Haripriya Complex,
Temple Road; N adiad: Sheth Mahagujarat Hospital; N
Nadiad: ag
Nag
agerer
ercc oil: Thayammal Harris Towers; N agpur: 1st Floor, Sanskrutik Sankul; N
Nagpur: ande
Nande d: “Nikhil Heights”; N
anded: asik: Malpani Pride, Behind Raymond Retail Shop; N
Nasik: Naavs ari: Building ‘A’, Prem Anand Co-op
vsari:
Housing Society Ltd.; Nel Nelllor e: Door No.22/1223/A-1, G T Road, Near RTC Depot; Ne
ore: New w Delhi: “Statesman House”; Noid a: B2-B3, Sector 16; P
Noida: anipat: 515-515B, Ward No. 8; P
Panipat: anjim: Atmaram Commercial Complex, Dr. Atmaram; P
Panjim: an
Pan
anvv el: Rajje
Complex, Plot No 198 A; P at
Pat an: Shridev Complex; P
atan: athanamthit
athanamthittta: Kunnithottathil Plaza; P
Pathanamthit atial
Patial a: 4464/5, Rajwara Road; P
atiala: atna: Saket Towers, S.P. Verma Road; P
Patna: ondicherr
Pondicherr y: No.164; P
ondicherry: orband
Porband
orbandar: ar: Building Of P H Wadia & Sons; P une: Sterling Plaza,
Pune:
Plot No.1262/B; R aipur: Opp. New Bus Stand, Jeevan Bima Marg; R
Raipur: ajahmundr
Rajahmundr
ajahmundry: y: D. No. 7-27-8; R ajk
Rajko t: Aradhana, Nr. Bank Of Baroda; R
ajko anchi: No. 4, 5 A, 5B, Ward No. 15, Ground Floor; R
Ranchi: atnagiri: Ground Floor, Hotel Vihar Deluxe; R
Ratnagiri: ishik
Rishik esh:
ishikesh:
Bharat Bazaar, 16, Adarsh Gram; R oht ak: Shop No. 1; R
ohtak:
Roht oork
Roork ee: 343/29, Civil Lines; R
oorkee: ourk
Rourk
ourkelel a: Ground Floor, Mangal Kunj; Sal
ela: em: Door No. 115-1A, Sharptronics Shopping Complex; Sangli: City Survey No. 32/A; Sat
Salem: ar
Satar a: Abanjani, S No. 257; Satna:
ara:
Upper Ground Floor; Shil Shilllong: O.B. Shopping Mallm, Police Bazar Junction; Shiml Shimla: a: Gf/Ff, Durga Cottage; Shimo Shimog ga: G.R. Prabhu Arcade; Sil char: “Chowchakra Complex”; Silig
Silchar: uri: Spectrum House; Siv
Siliguri: ak
Sivak asi: # 64, N R K R, Rajarathnam Street; Sol
akasi: apur:
Solapur:
Ground Floor, Kanale Kalyan Mandap, Dufferin Chowk; Sur at: Digvijay Towers; Sur
Surat: endr
Surendr anag
endranag ar: Ajmera Chambers, S. T. Road; Thiruv
anagar: ananthapur
Thiruvananthapur
ananthapuram am (T riv
(Trivandrum): 2/2421, Condor Plaza; Thrissur (T
rivandrum): richur): City Centre; T irunel
(Trichur): irunelvv eli: 12, East Car Street;
T irupur: 3, Court Street; T iruv al
iruvalalll a: 1St Floor, Mar Thoma Building; Trich y (T
richy iruchir
(Tiruchir apal
iruchirapal li): No.75 E/1, Salai Road; Tutic
apalli): orin: “V.V.D. Mahaal”, 181; Ud
uticorin: aipur: 151-152, Ground Floor; Ujjain: Ground Floor, Hotel Ashray; Vadod
Udaipur: adodarar a: Vardhaman Complex;
ara:
Val
alll abh V id
idy yanag ar (Anand): Shiv Shalin Complex; Val
anagar alss ad: Shop Nos. 1, 2 & 4, Halar Road; Vapi: Hotel Fortune Galaxy Complex; Var anasi: C-19/134, M-B, Ground & First Floor; Vasc
aranasi: o: Heritage, Ground Floor; V ija
asco: yw
ijayw
ywadad a: Ground Floor, D No. 59A
ada:
1-7; V ishakhapatnam (Gajuw (Gajuwak ak
aka):a): Arjun Arcade, Nh-5, Old Gajuwaka; Yavatmal: Ground Floor,Nagar Parishad Commercial Complex.
 Blue Red

INSTRUCTIONS TO HELP YOU COMPLETE THE MAIN APPLICATION FORM

I. GENERAL INSTRUCTION: RMF will endeavour to provide payment of Dividend / Redemption / Refund(If any) through ECS,NEFT,
1. Please read the Key Information Memorandum and the Offer Document carefully before investing. All Cheque, Demand Draft or Direct Credit into investors bank account wherever possible.
applicants are deemed to have read, understood and accepted the terms subject to which this offer is IV. IN
INVEVE
VESSTMENT & P AYMENT DET
PA AIL
DETAIL S:
AILS:
being made and bind themselves to the terms upon signing the Application Form and tendering payment. M inimum In vestment Amount - For resident and non-resident investors - Rs 5,000/- per plan per
Inv
2. The application form must be filled in English in BLOCK letters using Black or Dark Blue colored ink. option and in multiples of Re. 1 thereafter. For customers giving switch instructions. Please submit the
Incomplete applications are liable to be rejected. Please ensure that the requisite details and documents switch instruction using the prescribed switch transaction slip to the nearest Investor Service Centre of
have been provided. This will help in avoiding processing delays and / or rejection of your Application RMF.
Form. Al Alll sub scrip
subscrip tion applic
scription ation fforms
application orms should be submit
submittte d onl y at designat
only e d br
designate anches of the
branches 17. Payment should be made by crossed cheques, /Demand Draft/payorder, favouring Reliance Natural
col
olllec ting banks appoint
ecting appointe ed byR
by elianc
Relianc
elianceeMMutut ual F
utual und.
Fund. Resource Fund and marked “Account Payee” payable locally in the city where the application is submitted.
3. The Applicant’s name and address must be given in full (P.O. Box No. alone is not sufficient). In case of Post dated or outstation cheques/draft are not permitted.
multiple applicants, all communication and payments towards redemption will be made in the name of / Application received with outstation cheque/demand draft shall be rejected. The cheque/DD should be
favoring first applicant only. If the first applicant is a minor, the name of the Guardian who will sign on crossed, marked “Account payee” and drawn in favour of “Reliance Natural Resources Fund”.
behalf of the minor should be filled in the space provided. Please fill in your date of birth as this may be PA
PAY YMENT B YC
BY ASH IS NO
CASH NOTT PERMI
PERMIT TTED
TED.
required for validating your identity for certain transactions/communication. Also, please provide Telephone
No./E-mail Id. of the first applicant, so as to facilitate faster and efficient communication. Investors from such centers, who do not have a facility to pay by local cheque, as there are no Collection
4. All applicants must sign the form, (quoting existing Folio no, if any). Thumb impressions must be attested Centres of RMF, will be permitted to deduct the actual DD commission’s charges. Documentary proof,
by a Judicial Magistrate/Notary Public under his/her official seal. In case of HUF, the Karta should sign thereof is to be attached, if not attached the AMC reserves the right to call for the same at a later date.
on behalf of the HUF. Authorised signatories, signing on behalf of a Co./Body Corp./Society/Trust etc The amount of the DD commission charges will be limited to the actual charges paid or DD charges of
should sign under their official seal, designation. A list of Authorised Signatories with their names & State Bank of India, whichever is lower. (Separate application form is required for investment in each
designations duty certified / attested by the bankers should be attached with the application form. plan/option.)
5. Please note that if no Plan is ticked / indicated in the Application form, the units will, by default, be allotted If the Scheme name on the Application Form and on the Cheque is different, then the units will be allotted
under the Growth Plan of the Scheme. Similarly, Growth Option of the Growth Plan and Dividend Re- as per the Scheme name mentioned in the Application Form.
investment Option of the Dividend Plan shall be the default sub-options. 18. Please mention the application serial no. on the reverse of the cheque/demand draft tendered with the
6. Incase of Mode of Holding is not mentioned for Joint Holder’s the default mode of holding would be Joint. application.
7. Joint applicant with a Minor shall be permitted only where the Minor (represented by guardian) is the 1st 19. In case the payment is made through Indian Rupee draft purchased abroad or from FCNR or NRE A/c, an
named applicant / beneficiary and only natural parents shall be permitted as joint applicants with a minor Account Debit Certificate from the Bank issuing the draft, confirming the debit should be submitted. For
and the Holding basis shall be ‘Former or survivor’ only. A Court-appointed Guardian shall not be permitted subscription made by NRE / FCNR Account cheques, the application forms must be accompanied with a
to apply as a joint applicant. photocopy of the cheque or Account Debit Letter / Certificate from the bankers.
II. APPL
APPLIC IC ANT’S INF
ICANT’S ORMA
INFORMA
ORMATI TION:
TION: V. NOMINA
NOMINATI TION:
TION:
8. In case the application is made under a Power of Attorney (PoA), a duly certified copy thereof, duly (a) Nomination facility is available to individuals applying on their own behalf i.e. singly or jointly.
notarised should be submitted with the application. The POA document should contain the signatures of (b) Only one person, resident or NRI, including minors, can be nominated. Nomination can also be in favour
both the Applicant & the constituted Attorney. of the Central Government, State Government, a local authority, any person designated by virtue of his
9. Application made by a limited company or by a body corporate or a registered society or a trust, should office or a religious or charitable trust.
be accompanied by a copy of the relevant resolution or authority to make the application, as the case may (c) Nomination of an NRI is subject to requirements, if any, prescribed by RBI and SEBI from time to time.
be, alongwith a certified copy of the Memorandum and Articles of Association or Trust Deed / Bye Laws (d) Nomination can be changed at any time during the currency of the investment by the same persons who
/ Partnership Deed, whichever is applicable. have made the nominations.
10. In case of non-individual applicants, i.e. HUF / Companies / AOP / BOI / Trusts / Societies / FIIs etc. the (e) Unitholder being either parent or lawful guardian on behalf of a minor and an eligible institution, societies,
name, email-ID and telephone number of the contact person to should be provided. bodies corporate, HUF, AoPs, BoIs and partnership firms shall have no right to make any nomination.
11. Permanent Account Number (PAN) (f) The nominee shall not be a trust (other than a religious or charitable trust), society, body corporate,
As per SEBI circular number MRD/DoP/Cir- 05/2007 dated April 27, 2007, PAN shall be the sole partnership firm, karta of HUF or power of attorney holder.
identification number for all participants transacting in the securities market, irrespective of the amount of (g) On registration of nomination a suitable endorsement shall be made on the statement of account or in the
transaction w.e.f. July 2, 2007. form of a separate letter.
Accordingly, it is mandatory for investor’s to provide their PAN alongwith a self attested copy of PAN (h) The facility of nomination is available to a unitholder under SEBI (MFs) Regulations and guidelines issued
card. by SEBI from time to time.
If the investment is being made on behalf of a minor, the PAN of the minor or father or mother or the (i) Nomination in respect of units stands rescinded, upon the transfer of units.
guardian, who represents the minor, should be provided. (j) On cancellation of nominations, the nomination shall stand rescinded and RMF shall not be under any
Applications received without PAN/PAN card copy will be rejected. obligation to transfer the units in favour of the nominee
12. Prevention of M one
Mone
oney y Laundering & Kno Knoww Your C ust
Customer (K
ustomer YC):
(KY (k) Where a nomination in respect of any unit has been made, the units shall, on the death of the
In terms of the Prevention of Money Laundering Act, 2002, the Rules issued there under and the unitholder(s), vest in the nominee and on compliance of necessary formalities the nominee shall be issued
guidelines issued by SEBI regarding the Anti Money Laundering (AML), all intermediaries, including Mutual a SOA in respect of the units so vested subject to any charge or encumbrance over the said units. Nominee
Funds, have to formulate and implement a Client Identification Process, commonly referred to as Kno Know w would be able to hold the units provided he is otherwise eligible to become a unitholder of the scheme.
Your C ust
Cust omer or K
ustomer KY YC P
Prrocess, verify and maintain the record of identity and address (es) of investors.
ocess, (l) Where there are two or more unitholders one of whom has expired the title to units shall vest in the
The investor’s must ensure that the amount invested in the scheme is derived only through legitimate surviving unitholder(s) who may retain the nomination or change or cancel the same. However, non-
sources and does not involve and is not designed for the purpose of any contravention or evasion of the expression of desire to change or substitute the nominee by surviving unitholder shall be deemed to be
provisions of all the applicable laws, rules and regulations, directions issued by the appropriate authority the consent of surviving unitholder for the existing nomination.
(the applicable laws) in force from time to time including the Prevention of Money Laundering Act, the (m) Transmission made by the AMC as aforesaid, shall be a full discharge to the AMC from all liabilities in
Income Tax Act, 1961, or the Prevention of Corruption Act, 1988, etc. respect of the said units.
Pursuant to the above, the AMC may seek information or obtain and retain documentation used to VI. E-MAIL C OMM
COMM UNIC
OMMUNIC
UNICA ATI ON :
TION
establish Customers’ identity. It may re-verify identity and obtain any missing or additional information for 20. Investors desirous of receiving statements/Annual Report through email need to indicate their email id in
this purpose. the relevant box provided in the application form.
Reliance Mutual Fund / Reliance Capital Trustee Co. Limited / Reliance Capital Asset Management Limited VII. Reliance Any Time Money Card:
reserve the right to take all steps and actions, including recording investor(s) / unitholder(s) telephonic 21. The card shall be issued only to Resident Individuals. The card shall not be issued to Minors, HUF, NRI,
calls, and / or obtain and retain documentation for establishing the identity of the investor, proof of Pvt/ Public Ltd Companies, Parternership Firms, Proprietorship Firms, Trusts etc. No card shall be issued
residence, source of funds etc. in accordance with the applicable laws, from the investor(s) / unitholder(s), for subscriptions through DDs/third party cheques. Please note: The card will be sent only after realisation
as may be required, to ensure the appropriate identification / verification / re-verification of the of cheque and allotment of units.
investor(s) / unitholder(s), the source of funds etc. under its KYC Policy. 22. The Card will offer instant liquidity to the unitholder upto a permissible limit as fixed/ determined by the
The AMC, under powers delegated by the Trustee, shall have absolute discretion to reject any application, Bank for ATM/PoS withdrawals or 50% of withdrawal limit as set by RMF, from time-to-time, whichever
prevent further transactions by a Unit Holder, delay processing redemption as per applicable laws or is lower.
regulations if 23. Only one card can be issued against one folio/ account. This shall be issued only to the 1st holder where
(i) after due diligence, the investor / Unit Holder / a person making the payment on behalf of the investor the mode of holding is any one or survivor.
does not fulfil the requirements of the “Know Your Customer” as determined by the AMC or the AMC 24. Redemption facility through this card will be purely optional and in addition to the conventional method of
believes that the transaction is suspicious in nature as regards money laundering. redemption i.e. physical redemption request to be submitted at the Designated Investor Service Centres
(ii) the AMC determines in its sole discretion that the application does not or will not comply with any of the Reliance Mutual Fund. Investor can opt for any mode of redemption as per his choice and
applicable laws or regulations. convenience.
In this regard the AMC reserves the right to reject any application and effect a mandatory Redemption of 25. The Trustees reserves the right to discontinue/ modify/ alter the said facility on a prospective basis
Units allotted at any time prior to the expiry of 30 days from the date of the allotment. subject to compliance with the prevailing SEBI guidelines and Regulations.
If the payment for Purchase of Units are made by a third party (e.g. a power of attorney holder, a 26. The applicable charges for the facility, which shall be levied by Reliance Mutual Fund/ HDFC Bank / VISA,
financing agency, a relative, etc.), the investor / applicant may be required to give such details of such shall be borne by the investor on an actual basis and shall be intimated to the investors from time to time.
transaction so as to satisfy the AMC of the source and / or consideration underlying the transaction. Currently one cash withdrawal and one balance enquiry will be free, per month, per card at HDFC Bank
13. In case of NRI/FII investors the Account Statements / Redemption Cheques / Other correspondence will ATMs only.
be sent to the mailing address mentioned. 27. Please change your PIN immediately on receipt
14. All applications are accepted subject to detailed scrutiny and verification. Applications which are not 28. Please sign on the reverse of the ATM card on the signature panel immediately on receipt of the card.
complete in all respects are liable for rejection, either at the collection point itself or subsequently after 29. Withdrawals through ATM or PoS terminals can be stopped temporarily or permanently for want of any
detail scrutiny/verification at the back office of the registrars. statutory compliance
III. BANK DETAILS: 30. Please retain a copy of transaction slip generated by the ATM after completion of transaction as
15. As per the SEBI guidelines, it is mandmandat ator
ator y ffor
ory or invest
inv or
orss tto
estor o mention their bank ac count det
acc ail
ailss in the
detail confirmation of the transaction done.
applic ation fform.
application orm. In the absence of the bank details the application form will be rejected. Wherever 31. If your card ever gets lost or stolen, please contact us immediately at the telephone numbers mentioned
possible / availability of electronic credit service, RMF will give instruction to the investor’s bank for direct at the back of the card. We will hot list your ATM card (no transactions shall be possible thereafter through
/ electronic credit for dividend / redemption payments and such instructions will be adequate discharge the hot listed card).
of RMF towards the said payment. In case the credit is not affected by the unitholder’s banker for any 32. In order to receive the credit back on void transactions done on your card, please send/fax a copy of void
reason RMF reserves the right to make the payment by a cheque / DD, in case it is not possible to make transaction slip to the address mentioned at the back of the card.
the payment through electronic credit. If the electronic credit is delayed or not affected or credited to a 33. ATM card is valid in India and abroad. You cannot make foreign currency transactions in Nepal and Bhutan
wrong account, on account of incomplete or incorrect information, RMF will not be held responsible. (i.e. transactions in currencies other than local currency of Nepal/ Bhutan or Indian Rupees).
Please provide the 9 digit MICR Code/IFSC code on the right bottom of your Cheque for us to help you 34. While using the card outside India, you are doing so strictly in accordance with RBI’s Exchange Control
in future for ECS/NEFT credit of dividend and redemption payout. Regulations, as prevailing from time to time. The onus of ensuring compliance with the regulations is on
16. DIRECT CREDIT OF REDEMPTION / DIVIDEND PROCEEDS / REFUND - IF ANY you, the holder of the card.
Investor’s having bank accounts with ABN AMRO Bank NV, Citibank N.A, Deutsche Bank AG, HDFC Bank 35. SEBI guidelines on uniform cut off timings for redemption shall also be applicable to the aforesaid facility
Limited, HSBC, ICICI Bank Limited, of alternative means of redemption.
IDBI Bank Limited, Kotak Mahindra Bank Ltd., Standard Chartered Bank, Axis Bank Limited will receive 36. Please read the terms and conditions carefully, which will be provided in the welcome kit of the card.
their redemption / dividend / Refunds (if any) directly into their bank account.

Key Information Memorandum cum Application Form

Reliance Natural Resources Fund (RNRF) - An Open-ended Equity Scheme
Sale of units at Rs.10/- per unit plus applicable load during the New Fund Offer Period and thereafter at applicable NAV based prices as set out in this Offer Document

SPONSOR: REGISTRAR
Corporate Office: Karvy Computershare Pvt. Ltd.
Reliance Capital Limited Karvy Plaza, 21, Road No.4, Street No.1, Banjara Hills, Hyderabad - 500 034
H Block, 1st Floor, Dhirubhai Ambani Knowledge City, Koparkhairne, Navi Mumbai - 400 710. Tel. : 040 - 2331 2454, Fax : 040 - 2331 1968
Tel : 022 - 30327000, Fax. 022 - 30327202 CUSTODIAN
TRUSTEE Deut sche Bank A.G. - Kodak House, 222, Dr. D.N. Road, Mumbai - 400 001
Deutsche
Corpor at
orporat
atee Of
Offfice: R
ice: elianc
RelianceC
eliance apit
Capital Trust
apital ee C
rustee o. Limit
Co. ed - Express Building, 4th Floor,
Limite AUDITORS TO THE SCHEME
14 – ‘E’ – Road, Churchgate, Mumbai – 400 020 Haribhakti & Co. (Char
Co. (Charttere d Account
ere ant
ountant s) - 42, Free Press House, Nariman Point, Mumbai - 400 021
ants)
Tel : 022 – 30414800 Fax: 022 – 30414818
E-mail : customer_care@reliancemutual.com
INVESTMENT MANAGER MTNL/BSNL subscribers need to dial 022 - 3030 1111.
Corpor at
orporat
atee Of
Offfice: R
ice: elianc
RelianceC
eliance apit
Capital A ss
apital et M
sset anag
Management Limit
anagement e d - Express Building, 4th Floor,
Limite Investors using mobile phones need to prefix STD Code of their respective city before 3030 1111.
14 – ‘E’ – Road, Churchgate, Mumbai – 400 020
Tel : 022 – 30414800 Fax: 022 – 30414818 Overseas callers need to dial 91 - 22 - 3030 1111. Website: www.reliancemutual.com

This Key Information Memorandum (KIM) sets forth the information, which a prospective investor ought to know before investing. For further details of the scheme/Mutual Fund, due diligence certificate by the AMC, Key
Personnel, investors’ rights & services, risk factors, penalties & pending litigations, associate transactions etc. investors should, before investment, refer to the Offer Document available free of cost at any of the Investor
Service Centres or distributors or from the website www.reliancemutual.com
The Scheme particulars have been prepared in accordance with Securities and Exchange Board of India (Mutual Funds) Regulations 1996, as amended till date, and filed with Securities and Exchange Board of India (SEBI).
The units being offered for public subscription have not been approved or disapproved by SEBI, nor has SEBI certified the accuracy or adequacy of this KIM.

Scheme Opens Scheme Closes Scheme Reopens for continuous sale and repurchase on or before
January 1, 2008 January 30, 2008 February 29, 2008

INVESTMENT OBJECTIVE: The above Asset Allocation Pattern is only indicative. The investment manager in line with the investment
The primary investment objective of the scheme is to seek to generate capital appreciation & provide long-term objective as may alter the above pattern for short term and on defensive consideration. The allocation between
growth opportunities by investing in companies principally engaged in the discovery, development, production, or debt and equity, in line with the investment objective, will be decided based upon the prevailing market conditions,
distribution of natural resources and the secondary objective is to generate consistent returns by investing in debt macro economic environment and the performance of corporate sector, the equity market and other considerations.
and money market securities. Pleas
Ple e rref
ase efer tto
efer o the Of
Offfer Document fforor det ail
detail s.
ails.
ASSET ALL
ASSET OC
ALLOCATI
OCA ON P
TION ATTERN:
PA Risk Profile of the Scheme:
Mut ual F
utual und in
Fund vestment
investmentss ar e subjec
are subjectt tto
o mark
marketet risks. Pleas
Ple e rre
ase ead the of
offfer document ccar
aref
aref ullly ffor
eful
ul or detail
ailss
detail
Under normal circumstances, the anticipated asset allocation would be on risk ffac
ac
acttor
orss befor
before in
ore invvestment.
Instrument % of Corpus Risk Profile Choice of Investment Plan.

}
(indicative #)
Reliance Natural Growth Plan Growth Option Bonus Option
Equity and Equity related Securities of companies principally engaged in the 65% to 100%
discovery, development, production, or distribution of natural resources in: Medium Resources F
esourc und
Fund Dividend Plan Dividend Payout Option Dividend Reinvestment Option
- Domestic Companies 65% to 100% to High For details, please refer to point no. 5 in instruction.
- Foreign securities as permitted by SEBI/RBI from time to time 0% to 35% APPLICABLE NAV
Debt and Money market securities (including investments in securitised debt*) 0% to 35% Low to (i) Purchases
Medium In respect of valid applications received upto 3 p.m. by the Mutual Fund alongwith a local cheque or a demand
draft payable at par at the place where the application is received, the closing NAV of the day on which application
# including investments in ADRs/GDRs/Foreign Securities/Overseas ETFs and any other instruments as may be is received shall be applicable.
permitted by SEBI/RBI upto 35%of the net assets of the scheme, exposure in derivatives upto a maximum of In respect of valid applications received after 3 p.m. by the Mutual Fund alongwith a local cheque or a demand
100% of the portfolio value. draft payable at par at the place where the application is received, the closing NAV of the next business day shall
* including securitised debt upto 35% be applicable.
Blue

ii) Redemptions:
RelianceE
eliance quit
Equity Oppor
quity Opporttunities Fund
Fund
In respect of valid applications received upto 3 p.m. by the Mutual Fund, closing NAV of the day of receipt of
Period Reliance Equity BSE 100
application, shall be applicable. Opportunities Reliance Equity Opportunities Fund -
In respect of valid applications received after 3 p.m. by the Mutual Fund, the closing NAV of the next business Fund Retail-Growth vs BSE 100

day shall be applicable. Last 1 yr 43.04 53.08 100 83.61

Since Inception 51.35 52.47

Percentage
80 66.62
Minimum Application Amount/ Number of Units 60
Past Performance may or may not be sustained in
Purchase Redemption future. Dividends are assumed to be reinvested. While 40
calculating returns dividend distribution tax is excluded. 20 10.11 11.56
i) New Purchases Redemptions can be for any amount or any number of units. Compounded annualised returns of Retail Plan - Growth 0
For rresident
esident and non-r esident in
non-resident vest
inv or
estor s-
ors- However, in order to keep the account in operation, minimum Option.
FY 05-06 FY 06-07
Rs 5,000/- per plan per option and in balance equal to the minimum subscription amount under each Inception Date 31/03/2005 Reliance Equity Opportunities Fund BSE 100
multiples of Re. 1 thereafter. of the plans, is required to be maintained in the account.
(ii) Additional Investment: Rs. 1000 per RCAM reserves the right to close an investor's account if the
value of the unit balance in the account falls below the minimum RelianceR
eliance eg
Regul
egul ar Sa
ular ving
vingss F
Saving und - E
Fund quit
Equit y Op
quity tion
Option
plan per option and in the multiple of Re.1
thereafter subscription amount under each of the plans. In such an event, Period Reliance Regular
RCAM reserves the right to compulsorily redeem the balance Sa ving
vingss F
Saving und -
Fund BSE 100
units in the account completely at the applicable redemption Equity Option
70 60.83
60
price. 50
50.64
Last 1 yr 63.11 53.08 40.78
40
Despatch of Repurchase (Redemption) Request: Within 10 working days from the date of receipt of a valid Since Inception 45.60 54.19 30 21.77
redemption request at the Designated Investor Service Centers of Reliance Mutual Fund. 20
18.33
11.56
Past Performance may or may not be sustained in
10
Benchmark Inde x: A custom benchmark created using the BSE-200 to the extent of 65% of portfolio and MSCI
Index: future. Dividends are assumed to be reinvested. While 0 Since Inception to FY 05-06 FY 06-07
World Energy Index for balance 35% of portfolio. calculating returns dividend distribution tax is excluded. Mar 05
Dividend Policy: Dividend will be distributed from the available distributable surplus after the deduction of the Compounded annualised returns of Growth Option.
dividend distribution tax and the applicable surcharge, if any. The Mutual Fund is not guaranteeing or assuring any Inception Date 9/06/2005
dividend. Please read the offer document for details. Further payment of all dividends shall be in compliance with
SEBI Circular. Circular No. SEBI/IMD/CIR No.1/64057/06 dated 4/4/06. RelianceE
eliance quit
EquityF
quity und
Fund
Name of the F und M
Fund anag
Manag er: Ashwani Kumar
anager: Period Reliance Equity S&P CNX
Overseas investments : Shiv Chanani Fund Nifty Reliance Equity Fund- Retail-Growth vs S&P CNX Nifty
14
Name of the Trust ee C
rustee ompan
Compan
ompany: y: Reliance Capital Trustee Co. Limited. Last 1 yr 45.71 48.79 12
12.31

Since Inception 36.83 39.12 10 8.66

Per
erfformance of the scheme: Data as on 07/12/2007.
ormance Past Performance may or may not be sustained in
8
6
4
future. Dividends are assumed to be reinvested. While
Reliance Gr
eliance ow th F
Gro und
Fund calculating returns dividend distribution tax is excluded.
2
0
FY 06-07
Period Reliance Gr
eliance owth F
Gro und
Fund BSE 100 Compounded annualised returns of Retail Plan - Growth Period
Reliance Growth Fund - Retail - Growth vs BSE 100 Option. Inception Date 30/03/2006 Reliance Equity Fund S&P CNX Nifty
Last 1 yr 68.68 53.08
200
Last 3 yr 63.21 47.06 166.65
150 RelianceE
eliance quit
Equity Ad
quity vant
Adv ag
antag eF
age und
Fund
Percentage

Last 5 yr 71.85 45.90 100 92.64 87.36

66.62
Since Inception 36.50 16.77 50
54.71 Period Relianc
eliancee E quit
Equit
quityy Ad
Advvant ag
antag e F
age und
Fund S&P CNX Nifty
15.33 14.86 12.96 11.56
Past Performance may or may not be sustained in future. 0 Since Inception 28.34 35.68
-13.62 FY 03-04 FY 04-05 FY 05-06 FY 06-07
Dividends are assumed to be reinvested. While calculating -50
FY 02-03 Period Past Performance may or may not be sustained in future. Dividends are assumed to be reinvested.
returns dividend distribution tax is excluded. Compounded While calculating returns dividend distribution tax is excluded. Absolute Returns of Retail Plan Growth
annualised returns of Retail Plan - Growth Option. Reliance Growth Fund BSE100
option as the scheme has not completed one year. Inception Date 9/08/2007
Inception Date 08/10/1995.
Expenses of the Scheme
Reliance Vision F
eliance und
Fund Initial Issue Expenses: The Scheme shall meet the entire sales, marketing and such other expenses connected
Period Reliance Vision F
eliance und
Fund BSE 100 with sales and distribution of scheme during the new fund offer from the entry load and not through initial issue
Reliance Vision Fund- Retail-Growth vs BSE 100 expenses in accordance with SEBI Circular dated April 4, 2006, being an open-ended scheme. Any expenses over
Last 1 yr 54.75 53.08
160 138.15 & above the entry load amount shall be borne by the AMC.
Last 3 yr 53.87 47.06
Last 5 yr 60.93 45.90
120 92.64
76.72 66.62
Recurring Expens es : As per SEBI (Mutual Funds) Regulations, the maximum expenses that can be charged to a
Expenses
Percentage

Since Inception 31.42 16.77

80
35.54 34.16
scheme are as follows:
40 14.86 8.95 11.56
Past Performance may or may not be sustained in future. 0 *Recurring Expenses **E stimat
**Estimat ed Expens
stimate es of R
Expenses elianc
RelianceN
eliance at
Natur
atural R
ural esour
Resources F
esourc und
Fund
-20 -13.62 FY 03-04 FY 04-05 FY 05-06 FY 06-07
Dividends are assumed to be reinvested. While calculating -40
FY 02-03
Period Upto Rs.100 crores 2.50% Investment Management Exp. 1.25%
returns dividend distribution tax is excluded. Compounded Next Rs. 300 crores 2.25% Marketing Exp. 1.00%
annualised returns of Retail Plan - Growth Option. Reliance Vision Fund BSE 100
Next Rs.300 crores 2.00% Operational Exp. 0.25%
Inception Date 08/10/1995.
Balance 1.75% Total 2.50%
Reliance NRI E
eliance quit
Equit yF
quity und
Fund
* Expenses on an ongoing basis will not exceed the above percentage of the daily average net asset or such
Period Reliance NRI BSE 200 Reliance NRI Equity Fund - vs BSE 200 maximum limits as may be specified by SEBI Regulations from time to time. ** The above expenses are
Equit yF
quity und
Fund 70 estimates only and subject to change as per actuals. Please read the offer document for details.
62.65 59.97
57.04 60.26
Last 1 yr 53.74 53.03 60
LOAD S TRUC
STRUC
TRUCT TURE: (During the New Fund Offer and continuous offer including SIP installments)
Percentage

50
Last 3 yr 54.31 45.32
Since Inception 54.07 47.26
40 Entry Load Exit Load
30 24.32
Past Performance may or may not be sustained in future. 20
10.2
For subscription below Rs. 2 crs- 2.25% Nil
10
Dividends are assumed to be reinvested. While calculating For subscription of Rs 2 crs & above and below Rs 5 crs- 1.25%
0
returns dividend distribution tax is excluded. Compounded Since Inception to FY 05-06 FY 06-07 For subscription of Rs 5 crs and above- Nil
March 05 Period
annualised returns of Growth Option. Reliance NRI Equity Fund BSE 200
Inception Date 16/11/2004. Daily Net A ss
Daily et Val
sset ue (NA
alue V) P
(NAV) ublic
Public ation : The NAV will be declared on all working days and will be published
ublication
in 2 newspapers. NAV can also be viewed on www.reliancemutual.com and www.amfindia.com.

TAX TREATMENT FOR THE INVESTORS (UNITHOLDERS)

Tax Benef it
itss tto
Benefit o the M ut
Mut ual F
utual und : Reliance Mutual Fund is a Mutual Fund
Fund
registered with the Securities & Exchange Board of India and hence the entire
income of the Mutual Fund will be exempt from income tax in accordance with
the provisions of Section 10(23D) of the Income-tax Act, 1961, (the Act). The
Mutual Fund will receive all income without any deduction of tax at source
under the provisions of Section 196(iv) of the Act. An exemption has been
granted under the Finance (No.2) Act, 2004 to open ended equity oriented
mutual funds from paying distribution tax on income distributed without any
time limit, effective from 1 April 2004.
(i). Income-tax
Ta x o n I n c o m e d i s t r i b u t i o n
I n ccoo m e d i s t r i b u tteed b byy the M Muu ttu
ual F
Fuund
All Unit holders: Income received by unit holders in respect of the units of
the Mutual Fund, is exempt from tax under Section 10(35) of the Act.
Ta x D e d u c t i o n a t S o u r c e
All Unit holders: In view of the exemption of income in the hands of the
Unit holders, no income tax is deductible at source, on income distribution by
the Mutual Fund on or after April 1, 2003, under the provisions of Sections
194K and 196A of the Act. As per section 196B of the Act, tax is required to be
deducted at the rate of 11.22 per cent (inclusive of surcharge on income-tax at
the rate of 10 per cent and an additional surcharge by way of education cess at
the rate of 2 per cent on the amount of tax inclusive of surcharge) from income
payable in respect of units purchased in foreign currency to approved overseas
financial organizations. Where the total income of such organization does not
exceed Rs. one crore, the abovementioned surcharge is not payable.
The Finance Act, 2007 has levied an additional surcharge, called the “Secondary
and Higher Education Cess”, at the rate of one per cent of income-tax and
surcharge (not including the education Cess on income-tax). This amendment
has taken effect from the 1st day of April, 2007.
( i i ) Ta x o n C Ca a p i tta
al Gains
Long-term Capital Gains: Section 10(38) of the Act grants exemption to
any income arising from the transfer of a long term capital asset, being units of
an equity oriented fund provided the transaction giving rise to the capital gains,
attracts Securities Transaction Tax (STT) and is made on or after 1st October
2004 i.e the date on which Chapter VII of the Finance (No. 2) Act, 2004 has
come into force. For this purpose “equity oriented fund” means where the
investible funds are invested by the Mutual Fund in equity shares in domestic
companies to the extent of more than sixty five percent of the total proceeds of
such fund set up under a scheme of a Mutual Fund specified under Section
10(23D) of the Act.
Short-term Capital Gains: Under Sec. 111A, where the total income of an
assessee includes any income chargeable under the head “Capital Gains”, arising from
the transfer of a short-term capital asset, being a unit of an equity oriented fund and
(a) the transaction of sale of such unit is entered into on or after 1st October
2004, i.e. the date on which Chapter VII of the Finance (No. 2) Act, 2004 has
come into force; and
(b) such transaction is chargeable to securities transaction tax under that
Chapter, the tax payable by the assessee on such short-term capital gains is at the
rate of ten per cent.
In case of resident individuals and HUFs, where the total income as reduced by
the short- term capital gains, is below the basic exemption limit, the short-term
capital gains will be reduced to the extent of the shortfall and only the balance
short-term capital gains will be subjected to the 10 per cent tax rate.
The said tax rate would be increased by a surcharge of 10 per cent in case of
non-corporate Unit holders excluding firms, where the total income exceeds Rs.
10,00,000. In the case of firms and corporate Unit holders, surcharge is applicable
where the total income exceeds Rs. one crore. Further, an additional surcharge of
2 per cent by way of education cess would be charged on amount of tax inclusive
of surcharge.
The Finance Act, 2007 has levied an additional surcharge, called the “Secondary
and Higher Education Cess”, at the rate of one per cent of income-tax and
surcharge (not including the education Cess on income-tax). This amendment
has taken effect from the 1st day of April, 2007.
Where the total income of an assessee includes any short-term capital gains on
equity oriented units the deduction under section 80C shall be allowed from the
income tax on the total income as reduced by such short term capital gains.
For eign Instit
oreign utional In
Institutional v est
Inv or
estor s: Long-term capital gains arising on sale/
ors:
repurchase of units, held for a period of more than twelve months, would be
taxed at the rate of 10 per cent under Section 115AD of the Act (subject to the
exemption of tax on long-term capital gains provided for in Sec. 10(38) of the
Act, discussed elsewhere in this document) . The said tax rate would be increased
by a surcharge of 2.5 per cent where the total income exceeds Rs. one crore.
Further, an additional surcharge of 2 per cent by way of education cess would be
charged on amount of tax inclusive of surcharge. Such gains would be calculated
without inflation index and currency fluctuations.
Short-term capital gains arising on sale/repurchase of units would be taxed at
30 per cent (10% if such short term capital gains is of the nature referred in
section 111A of the Act, discussed elsewhere in this document). The said
applicable tax rate would be increased by 2.5 per cent surcharge where the total
income exceeds Rs. one crore.. Further, an additional surcharge of 2 per cent by
way of education cess would be charged on amount of tax inclusive of surcharge.
The Finance Act, 2007 has levied an additional surcharge, called the “Secondary
and Higher Education Cess”, at the rate of one per cent of income-tax and
surcharge (not including the education Cess on income-tax). This amendment
has taken effect from the 1st day of April, 2007.
Specified overseas financial organizations organizations: As per the provisions of
section 115AB of the Act, long-term capital gains arising on sale/repurchase of
units purchased in foreign currency shall be liable to tax at the rate of 10 per
cent. However, such gains shall be computed without the benefit of cost
indexation.
Short-term capital gains arising on sale/repurchase of units would be taxed at
40 per cent in case of foreign companies.
The rate of surcharge would be 2.5% where the total income exceeds Rs. one
crore. Further, an additional surcharge of 2 per cent by way of education cess
would be charged on amount of tax inclusive of surcharge.
The Finance Act, 2007 has levied an additional surcharge, called the “Secondary
and Higher Education Cess”, at the rate of one per cent of income-tax and
surcharge (not including the education Cess on income-tax). This amendment
has taken effect from the 1st day of April, 2007.
S e c u r i t i e s Tr a n s a c t i o n Ta x
N a ttu
u r e o f Tr a n s a c t i o n Pa y a b l e b y Rate
by
Purchase and sale of equity shares or units Both 0.125%
of equity oriented mutual funds on a purchaser as
recognised stock exchange on delivery basis well as seller
Sale on stock exchange of equity shares or units of Seller 0.025%
equity oriented mutual funds on non-delivery basis
Sale of derivatives on recognised stock exchange Seller 0.017%
Sale of units of equity oriented mutual funds Seller 0.25%
to the mutual fund
Tax Treat y : In the case of a non-resident unit holder who is resident of a
aty
country with which India has signed a Double Taxation Avoidance Agreement
(DTAA), (which is in force), income tax is payable at the rate provided in the Act
or at the rate provided in the such agreement, whichever is more beneficial to
such non resident unit holder.
In order to obtain the benefit of the lower rate under the DTAA, the unit holder
would be required to provide a certificate from his Assessing Officer stating his
eligibility for the lower rate.
Dividend Stripping
All Unit holders : As per Section 94(7) of the Act, loss arising on sale of Units,
which are bought within 3 months prior to the record date (i.e. the date fixed by the
Mutual Fund for the purposes of entitlement of the Unit holders to receive the
income) and sold within 9 months after the record date, shall be ignored for the
purpose of computing income chargeable to tax to the extent of exempt income
received or receivable on such Units.
Bonus stripping
All Unit holders : As per section 94 (8) of the Act wherein in case of units
purchased within a period of three months prior to the record date for entitlement
of bonus and sold within nine months after the record date, the loss arising on
transfer of original units shall be ignored for the purpose of computing the
income chargeable to tax. The amount of loss so ignored shall be deemed to be
the cost of acquisition/purchase of such bonus units as are held by it/him on
the date of such sale/transfer.
Ta x D e d u c t i o n a t S o u r c e o n C a p i ta l Gains
Ca
Domestic Unit holdersholders: No income tax is deductible at source from income
by way of capital gains under the provisions of the Act.
For eign Instit
oreign utional In
Institutional v est
Inv estoo rrss : Under Section 196D of the Ac t, no
deduction shall be made from any income by way of capital gains, in respect of
transfer of units referred to in Section 115AD of the Act.
Specified overseas financial organizations : As per section 196B of
the Act, income tax is deductible on long-term capital gains (other than long-
term capital gain on units of equity oriented mutual funds on which exemption
under Sec. 10(38) is applicable) arising on repurchase of units purchased in
foreign currency, at the rate of 10 per cent. The said tax rate would be increased
by applicable surcharge of 2.5% per cent in case of corporate Unit holders where
the total income exceeds Rs. one crore. Further, an additional surcharge of 2 per
cent by way of education cess would be charged on amount of tax inclusive of
surcharge.
Income tax is deductible on short-term capital gains arising on sale / repurchase
of units at the rate of 40 per cent plus applicable surcharge at the rate of 2.5 per
cent in case of foreign companies where the total income exceeds Rs. one crore.
Further, an additional surcharge of 2 per cent by way of education cess would be
deducted on amount of tax inclusive of surcharge
The Finance Act, 2007 has levied an additional surcharge, called the “Secondary
and Higher Education Cess”, at the rate of one per cent of income-tax and
surcharge (not including the education Cess on income-tax). This amendment
has taken effect from the 1st day of April, 2007.
Other Non-resident Unit holders :
In the case of a non-resident other than a company: No income tax
is deductible on long-term capital gains arising on sale/repurchase on units of
equity oriented mutual funds as defined under Sec. 10(38)).
Income tax is deductible on short-term capital gains arising on sale / repurchase
of units of equity oriented mutual funds (as defined under Sec. 10(38)) at the
rate of 10 per cent.
The above tax rate would be increased by a surcharge of 10 per cent, where the
total income exceeds Rs. 10,00,000. Further, an additional surcharge of 2 per
cent by way of education cess would be charged on amount of tax inclusive of
surcharge.
The Finance Act, 2007 has levied an additional surcharge, called the “Secondary
and Higher Education Cess”, at the rate of one per cent of income-tax and
surcharge (not including the education Cess on income-tax). This amendment
has taken effect from the 1st day of April, 2007.
In the case of a foreign company company: Income tax is deductible on long-
term capital gains (other than long-term capital gain on units of equity oriented
mutual funds on which exemption under Sec. 10(38) is applicable) arising on
repurchase of units at the rate of 20 per cent.
Income tax is deductible on short-term capital gains arising on sale / repurchase
of units (other than those of equity oriented mutual funds) at the rate of 40 per
cent.
The above tax rates would be increased by a surcharge of 2.5 per cent where the
total income exceeds Rs. one crore. Further, an additional surcharge of 2 per cent
by way of education cess would be charged on amount of tax inclusive of
surcharge.
The Finance Act, 2007 has levied an additional surcharge, called the “Secondary
and Higher Education Cess”, at the rate of one per cent of income-tax and
surcharge (not including the education Cess on income-tax). This amendment
has taken effect from the 1st day of April, 2007.
Tax Treat y: In accordance with the provisions of Circular no.728 dated October
aty:
30, 1995 issued by the Central Board of Direct Taxes (‘CBDT’), in case of a non
resident unit holder who is a resident of a country with which India has signed
a Double Taxation Avoidance Agreement (DTAA) which is in force, the tax should
be deducted at source under section 195 of the Act at the rate provided in the
Finance Act of the relevant year or the rate provided in the said agreement,
whichever is more beneficial to such non-resident unit holder.
In order to obtain the benefit of the lower rate under the DTAA, the unit holder
would be required to provide a certificate from his Assessing Officer stating his
eligibility for the lower rate.
Exemptions from long-term capital gains
I. As per Sec 10(38) of the Act, any long-term capital gains arising from the sale
of units of an equity-oriented fund entered into on or after October 1, 2004
and such transaction of sale is chargeable to STT, shall be exempt form tax.
II. As per the provisions of section 54EC of the Act, long-term capital gains
(other than long-term capital gains on units of equity oriented mutual funds on
which exemption under Sec. 10(38) is applicable) shall be exempt from tax to the
extent such capital gains are invested, within a period of six months of such
transfer, in acquiring notified bonds. However, if the said bonds are transferred
within a period of 3 years from the date of their acquisition, the amount of
capital gains exempted earlier would become chargeable to tax as long-term
capital gains in the year in which the bonds are transferred.
The Finance Act, 2007 has provided that the investment made on or after the 1st
April, 2007 in the above bonds by any person during any financial year should
not exceed Rs. Fifty Lakh. This amendment takes effect from 1st April, 2007.
III. As per the provisions of Sec 54F of the Act in the case of an individual or a
HUF, long-term capital gains (other than long-term capital gains on units of
equity oriented mutual funds on which exemption under Sec. 10(38) is applicable)
arising on transfer of a long-term capital asset (not being a residential house) are
not chargeable to tax if the entire net consideration received on such transfer is
invested within the prescribed period in a residential house. If part of such net
consideration is invested within the prescribed period in a residential house, then
proportionate exemption is available.
Other Benef
Benefit it
itss : Investments in Units of the Mutual Fund will rank as an
eligible form of investment under Section 11 (5) of the Act read with Rule 17C
of the Income-tax Rules, 1962, for Religious and Charitable Trusts.
( i i ) . W e a l t h - t a x : U n i t s h e l d u n d e r t h e r e s p e c t i vve
e Plans are no t
treated as assets as defined under Section 2(ea) of the Wealth-tax Act, 1957 and
thereof would not liable to wealth-tax.
(iii). Gift-tax: The Gift-tax Act, 1958 has ceased to apply to gifts made on or
after October 1, 1998. Gifts of Units, purchased under the respective Plans,
would therefore, be exempt from gift-tax. The tax benefits to the Mutual Fund
and Unit Holders is in accordance with the prevailing tax laws.
E A C H I N V E ST O R I S A D
DVVISED TO C ONSUL
CO T HIS OR HER OWN
LT
TA X C ONSUL
CO LTTA N T W I T H R E S P E C T T O T H E S P E C I F I C TA X
IMPLICATIONS ARISING OUT OF HIS OR HER PARTICIPATION
IN THE SCHEME.
FOR INVESTOR GRIEVANCES PLEASE CONTACT
Karvy Computershare Pvt. Ltd.
Karvy Plaza, 21, Road No. 4, Street No. 1, Banjara Hills, Hyderabad - 500 034.
Tel. : 040-2331 2454. Fax : 040-2331 1968
Relianc
eliance e Mut
Mut ual F
utual und
Fund
Express Building, 4th Floor, 14-’E’-Road, Opp. Churchgate Station,
Churchgate, Mumbai - 400 020.
Tel. : 022-3041 4800 Fax : 0223041 4818
UNITHOLDERS’ INFORMATION:
Accounts statement (on each transaction), Annual financial results and Half
yearly portfolio disclosure shall be provided to investors by post, email or published
as per SEBI Regulations.
Date : 7 December, 2007 RMF/R&T/APP/VER1.0/07-12-07