Birla Sunlife Capital Protected Fund

Scheme Information Document
Birla Sun Life

Capital Protection Oriented Fund - Series 1
(A Close ended Capital Protection Oriented Scheme)
Offer of units of Rs. 10/- each for cash during the New Fund Offer
RATED AAA(so) BY CRISIL

New Fund Offer Opens On February 05, 2010 The rating of “AAA (so)” is pronounced as “triple A
structured obligation”. The assigned rating is valid only for
New Fund Offer Closes On March 05, 2010 Birla Sun Life Capital Protection Oriented Fund - Series 1.
The rating only indicates highest degree of certainty
regarding payment of face value of investment (excluding
The subscription list may be closed earlier by giving at least one day’s notice in one
entry load charged, if any) to the unit holders on maturity is
daily newspaper. The Trustee reserves the right to extend the closing date of the New
not an opinion on the stability of the scheme’s NAV before
Fund Offer Period, subject to the condition that the subscription list of the New Fund
its maturity date.
Offer Period shall not be kept open for more than 45 days.
Name of Mutual Fund Name of the Asset Management Company Name of the Trustee Company
Birla Sun Life Mutual Fund Birla Sun Life Asset Management Company Birla Sun Life Trustee Company Pvt. Ltd.
One India Bulls Centre, Tower 1, 17th Floor, Limited One India Bulls Centre, Tower 1, 17th Floor,
Jupiter Mill Compound, 841, Senapati Bapat One India Bulls Centre, Tower 1, 17th Floor, Jupiter Mill Compound, 841, Senapati Bapat
Marg, Elphinstone Road, Mumbai 400 013 Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai 400 013
Tel. 022-43568000, Fax No. 022-43568110/8111 Marg, Elphinstone Road, Mumbai 400 013 Tel. 022-43568000, Fax No. 022-43568110/8111
Website www.birlasunlife.com Tel. 022-43568000, Fax No. 022-43568110/8111
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.
As required, a copy of this Scheme Information Document has been submitted to National Stock Exchange of India Limited (hereinafter referred to
as NSE). NSE has given vide its letter NSE/LIST/110718-V dated June 17, 2009 permission to the Mutual Fund to use the Exchange’s name in this
Scheme Information Document as one of the Stock Exchanges on which the Mutual Fund’s units are proposed to be listed subject to, the Mutual
Fund fulfilling the various criteria for listing. The Exchange has scrutinized this Scheme Information Document for its limited internal purpose of
deciding on the matter of granting the aforesaid permission to the Mutual Fund. It is to be distinctly understood that the aforesaid permission
given by NSE should not in any way be deemed or construed that the Scheme Information Document has been cleared or approved by NSE; nor
does it in any manner warrant, certify or endorse the correctness or completeness of any of the contents of this Scheme Information Document;
nor does it warrant that the Mutual Fund’s units will be listed or will continue to be listed on the Exchange; nor does it take any responsibility for
the financial or other soundness of the Mutual Fund, its sponsors, its management or any scheme of the Mutual Fund.
Every person who desires to apply for or otherwise acquire any units of the Mutual Fund may do so pursuant to independent inquiry,
investigation and analysis and shall not have any claim against the Exchange whatsoever by reason of any loss which may be suffered by such
person consequent to or in connection with such subscription/acquisition whether by reason of anything stated or omitted to be stated herein or
any other reason whatsoever.
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 Birla Sun Life Mutual Fund, Tax and Legal issues
and general information on www.birlasunlife.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
The Scheme Information Document should be read in conjunction with the SAI and not in isolation.
This Scheme Information Document is dated January 25, 2010.

Birla Sun Life Capital Protection Oriented Fund - Series 1
TABLE OF CONTENTS
HIGHLIGHTS OF THE SCHEME..…………………………………………………………. 3
Section I – INTRODUCTION.………………………………………………………………. 5
A. Risk Factors ………………………………………………………………………… 5
B. Requirement of Minimum Investors in the Scheme…………………………… 8
C. Special Considerations……………………………………………………………. 8
D. Definitions…………………………………………………………………………… 9
E. Diligence By The Asset Management Company……………………………….. 12
Section II – INFORMATION ABOUT THE SCHEME……………………………………. 13

A. Type of the Scheme………………………………………………………………… 13
B. Investment Objective……………………………………………………………….. 13
C. Asset Allocation and Investment Pattern………………………………………… 13
D. Investment by Scheme…………………………………………………………….. 14
E. Investment Strategy………………………………………………………………… 18
F. Fundamental Attributes…………………………………………………………….. 19
G. Benchmark………………………………………………………………………….. 19
H. Fund Manager………………………………………………………………………. 20
I. Investment Restrictions for the Scheme………………………………………….. 20
J. Scheme Performance………………………………………………………………. 22
Section III - UNITS AND OFFER………………………………………………………….. 23

A. New Fund Offer……………………………………………………………………… 23
B. Ongoing Offer Details………………………………………………………………. 27
C. Periodic Disclosures………………………………………………………………… 29
D. Computation of Net Asset Value………………………………………………….. 30
Section IV – FEES AND EXPENSES……………………………………………………… 31

A. New Fund Offer Expenses…………………………………………………………. 31
B. Annual Scheme Recurring Expenses……………………………………………... 31
C. Load Structure………………………………………………………………………. 32
D. Waiver Of Load For Direct Applications…………………………………………... 32
Section V - RIGHTS OF UNITHOLDERS…………………………………………………. 32
Section 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. …………………………………………………………………………………. 33
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HIGHLIGHTS OF THE SCHEME

Name of the Scheme Birla Sun Life Capital Protection Oriented Fund – Series 1
Structure A Close ended Capital Protection Oriented Scheme
Investment Objective To seek capital protection by investing in high quality fixed income securities
maturing in line with the tenure of the scheme and seeking capital
appreciation by investing in equity and equity related instruments
Liquidity The scheme will have duration of 27 months from the date of allotment. The
NAV of the scheme will be announced on a daily basis. No redemption or
repurchase will be permitted prior to maturity of the Scheme. The scheme will
be listed on one or more recognized stock exchanges as may be decided by
AMC from time to time and the Unitholders who wish to redeem units may do
so through Stock Exchange at prevailing listed price on such Stock Exchange
As per SEBI circular SEBI/IMD/CIR No. 12/147132/08 dated December 11,
2008 the units of the scheme will be listed on one or more recognized stock
exchanges for which the Trustees have obtained an in-principle approval
from Exchange.
Flexibility The Mutual Fund will allow investors the flexibility to switch their investments
from any other open ended scheme(s)/ plans and / or close ended scheme(s)
/ plans (those close ended scheme(s) / plans launched prior to December 12,
2008) offered by the Mutual Fund to Birla Sun Life Capital Protection
Oriented Fund - Series 1 during the New Fund Offer period (subject to
completion of lock-in period, if any, of the units of the scheme(s) from where
the units are being switched).
Plans/Options The scheme shall have Growth Option only.
Minimum Application Minimum of Rs. 5,000/- and in multiples of Re. 10/- thereafter during the New
Amount Fund Offer period
Minimum Target Rs. 10,00,00,000/-
Amount to be raised
Initial Issue Expenses Initial issue expenses shall be borne by the AMC
New Fund Offer Price Rs. 10/- per unit during the New Fund Offer (NFO) for cash
Transparency / NAV The AMC will calculate and disclose the first NAV of the scheme not later
Disclosure than 30 days from the closure of New Fund Offer Period. The NAV of the
Scheme will be calculated up to four decimal places on all business day and
released to the Press, News Agencies and the Association of Mutual Funds
of India (AMFI). NAVs will also be displayed on the Website of the Mutual
Fund. As presently required by the SEBI Regulations, a complete statement
of the Scheme portfolio would be published by the Mutual Fund as an
advertisement in a newspaper within one month from the close of each half
year (i.e. March 31 & September 30) or mailed to the Unit holders
Dematerialization The Unit holders are given an Option to hold the units by way of an Account
Statement or in Dematerialized (‘Demat’) form. Unit holders opting to hold the
units in demat form must provide their Demat Account details in the specified
section of the application form. The Unit holder intending to hold the units in
Demat form are required to have a beneficiary account with a Depository
Participant (DP) (registered with NSDL / CDSL as may be indicated by the
Fund at the time of launch of the Plan) and will be required to indicate in the
application the DP's name, DP ID Number and the beneficiary account
number of the applicant held with the DP.
Incase the unit holders do not provide their Demat Account details, an
Account Statement shall be sent to them. Such investors will not be able to
trade in the stock exchange till their holdings are converted into demat form.
For conversion of physical holdings into demat form, the unit holders will have
to send the demat requests to their Depository Participants.
No redemption/repurchase of units shall be allowed prior to the maturity of
the scheme. Unit holders wishing to exit may do so through the Stock
Exchange mode
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Transfer of Units Units held by way of account statement cannot be transferred. Units held in
demat form are transferable in accordance with the provisions of SEBI
(Depositories and Participants) Regulations, as may be amended from time
to time
Repatriation Facility NRIs, FIIs and PIOs may invest in the scheme on a full repatriation basis.
(Investment will be governed by rules laid down by RBI/SEBI in this regard)
Benchmark Index CRISIL MIP Blended Index
The fund reserves the right to change the benchmark for evaluation of the
performance of the scheme from time to time, subject to SEBI Regulations
and other prevailing guidelines if any
Loads Entry Load: Nil
Exit Load: Nil
No redemption/repurchase of units shall be allowed prior to the maturity of
the scheme. Investors wishing to exit may do so through stock exchange
mode.
Investors in the Scheme are not being offered any guaranteed / assured returns.
Investors are advised to consult their Legal /Tax and other Professional Advisors with regard to tax / legal
implications relating to their investments in the Scheme and before making decision to invest in or
redeem the Units
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Section I – INTRODUCTION
A. RISK FACTORS
STANDARD RISK FACTORS

• Mutual Funds and securities investments are subject to market risks and there can be no assurance
or guarantee that the objectives of the Scheme will be achieved.
• Investment in Mutual Fund Units involves investment risks such as trading volumes, settlement risk,
liquidity risk, default risk including the possible loss of principal.
• 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 depending on the various factors and forces
affecting capital markets and money markets
• Past performance of the Sponsor / AMC / Mutual Fund does not guarantee future performance of the
Scheme and may not necessarily provide a basis of comparison with other investments.
• Birla Sun Life Capital Protection Oriented Fund - Series 1 is the name of the Scheme and does not, in
any manner, indicate either the quality of the Scheme or its future prospects or returns.
• The Sponsors are not responsible or liable for any loss resulting from the operation of the Schemes
beyond the initial contribution of Rs.1, 00,000 made by it towards setting up the Fund.
• The present scheme is not a guaranteed or assured return scheme
SCHEME SPECIFIC RISK FACTORS

• The scheme offered is “oriented towards protection of capital” and “not with guaranteed returns”.
Further, the orientation towards protection of the capital originates from the portfolio structure of the
scheme and not from any bank guarantee, insurance cover etc
• The ability of the portfolio to meet capital protection on maturity to the investors can be impacted by
interest rate movements in the market, credit defaults by bonds, expenses and reinvestment risk.
• The rating provided by Crisil Ltd. is not a comment on Net Asset Value of the scheme in relation to its
face value.
• Crisil Ltd. reserves the right to suspend, withdraw or revise the above ratings at any time, on the
basis of any new information or unavailability of information or any other circumstances, which Crisil
believes may have impact on the above ratings.
Risk Factors associated with Equity & Equity related securities:

• The Scheme proposes to invest in equity and equity related securities. Equity and Equity related
securities by nature are volatile and prone to price fluctuations on a daily basis due to both macro and
micro factors.
• The NAVs of schemes investing in equity will fluctuate as the daily prices of the individual securities in
which they invest fluctuate and the units when redeemed may be worth more or less than their
original cost.
• The value of the schemes’ investments may be affected generally by factors affecting capital markets
such as price and volume volatility in the stock markets, interest rates, changes in government policy,
political, economic or other developments and closure of the stock exchanges.
• In respect of investments in equity and equity-related instruments, there may be risks associated with
trading volumes, settlement periods and transfer procedures that may restrict liquidity of investments
in equity and equity-related securities. In the event of inordinately large number of redemptions or of a
restructuring of the schemes’ investment portfolio, there may be delays in the redemption of units.
• The value of the Scheme's investments, may be affected generally by factors affecting securities
markets, such as price and volume volatility in the capital markets, interest rates, currency exchange
rates, changes in policies of the Government, taxation laws or policies of any appropriate authority
and other political and economic developments and closure of stock exchanges which may have an
adverse bearing on individual securities, a specific sector or all sectors including equity and debt
markets. Consequently, the NAV of the units of the Scheme may fluctuate and can go up or down.
• Within the regulatory limits, the Fund Manager may choose to invest in unlisted securities that offer
attractive yields. Securities, which are not quoted on the stock exchanges, are inherently illiquid in
nature and carry a larger amount of liquidity risk, in comparison to securities that are listed on the
exchanges or offer other exit options to the investor, including a put option. This may however
increase the risk of the portfolio. The liquidity and valuation of the schemes investments due to their
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holdings of unlisted securities may be affected if they have to be sold prior to their target date of
disinvestments
• Investment made in unlisted equity or equity-related securities may only be realizable upon listing of
these securities. Settlement problems could cause the Schemes to miss certain investment
opportunities.
• Investors may note that Fund Manager's investment decisions may not always be profitable, as actual
market movements may be at variance with anticipated trends.
• Though the constituent stocks of most indexes are typically liquid, liquidity differs across stocks. Due
to the heterogeneity in liquidity in the capital market segment, trades on this segment may not get
implemented instantly
Risk Factors associated with investments in Debt Securities:

• Price-Risk or Interest-Rate Risk: Fixed income securities such as bonds, debentures and money
market instruments run price-risk or interest-rate risk. Generally, when interest rates rise, prices of
existing fixed income securities fall and when interest rates drop, such prices increase. The extent of
fall or rise in the prices is a function of the existing coupon, days to maturity and the increase or
decrease in the level of interest rates.
• Credit Risk: In simple terms this risk means that the issuer of a debenture/ bond or a money market
instrument may default on interest payment or even in paying back the principal amount on maturity.
Even where no default occurs, the price of a security may go down because the credit rating of an
issuer goes down. It must, however, be noted that where the Scheme has invested in Government
securities, there is no credit risk to that extent.
• Liquidity or Marketability Risk: This refers to the ease with which a security can be sold at or near
to its valuation yield-to-maturity (YTM). The primary measure of liquidity risk is the spread between
the bid price and the offer price quoted by a dealer. Liquidity risk is today characteristic of the Indian
fixed income market.
Further, the Scheme being a close ended income Scheme, as per SEBI guidelines, no redemption /
repurchase of units will be allowed prior to the maturity of the scheme. However, the units of the
Scheme will be listed on Stock Exchange(s) and the investors wishing to exit may do so through
stock exchange mode. Listing of units of the scheme on stock exchange(s) does not necessarily
guarantee liquidity and there can be no assurance that an active secondary market for the units will
develop or be maintained. Consequently, the Fund may, depending on the market forces, even quote
below its face value / NAV.
• Reinvestment Risk: Investments in fixed income securities may carry reinvestment risk as interest
rates prevailing on the interest or maturity due dates may differ from the original coupon of the bond.
Consequently, the proceeds may get invested at a lower rate.
• 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 amount of risk
than Government securities. Further even among corporate bonds, bonds, which are AA rated, are
comparatively more risky than bonds, which are AAA rated.
Risks Factors associated with investments in Securitised Debt:

The scheme may invest in domestic securitised debt assets. These assets would be in the nature of
Mortgage backed securities (MBS) and Asset backed securities (ABS) with underlying pool of assets and
receivables like Housing Loans, Auto loans and corporate loans. The fund intends to invest only in
securitised instruments rated AAA by a recognised credit rating agency. The Securitised debt assets and
the underlying asset classes like housing loans, Auto Loans and Corporate loans have the following risk
factors
Limited Recourse and Credit Risk: Certificates issued on investment in securitised debt represent a
beneficial interest in the underlying receivables and there is no obligation on the issuer, seller or the
originator in that regard. Defaults on the underlying loan can adversely affect the pay outs to the investors
(i.e. the Schemes) and thereby, adversely affect the NAV of the Scheme. While it is possible to repossess
and sell the underlying asset, various factors can delay or prevent repossession and the price obtained
on sale of such assets may be low.
Bankruptcy Risk: If the originator of securitised debt instruments in which the Scheme invests is subject
to bankruptcy proceedings and the court in such proceedings concludes that the sale of the assets from
originator to the trust was not a 'true sale', then the Scheme could experience losses or delays in the
payments due. Normally, care is taken in structuring the securitization transaction so as to minimize the
risk of the sale to the trust not being construed as a 'true sale'.
Page 6
Risk of Co-mingling: Servicers in a securitization transaction normally deposit all payments received
from the obligors into a collection account. However, there could be a time gap between collection by a
servicer and depositing the same into the collection account. In this interim period, collections from the
loan agreements by the servicer may not be segregated from other funds of the servicer. If the servicer
fails to remit such funds due to investors, investors in the Scheme may be exposed to a potential loss.
Risks Factors associated with Mortgage Backed Securities (MBS) - Housing Loans
• Prepayment Risk: The fund may receive payment of monthly payouts earlier than scheduled.
Prepayments shorten the life of the instrument to an extent that cannot be fully predicted. The rate of
prepayments may be influenced by a variety of economic, social and other factors.
• Credit Risk: Delinquencies may happen which would reduce the principal amount. Typically MBS
structures come with credit enhancement in variety of forms. If delinquencies are higher than the
amount available in the credit enhancement facility than the monthly payouts to the fund would
reduce. Historically, it has been observed that housing loans have lower default rates as compared to
other forms of credit.
• Liquidity Risk: Historically the secondary market volume of securitised papers has been limited. This
could limit the ability of the fund to resell them. Secondary market trades could be at a discount or
premium depending upon the prevailing interest rates.
• Conversion risk: Conversion of loans from fixed rate to floating rate loans and vice versa could lead
to a change in the expected cash flows from the loans.
Risks Factors associated with Asset Backed Securities (ABS)-Auto Loans

• Prepayment Risk: The fund may receive payment of monthly payouts earlier than scheduled.
Prepayments shorten the life of the instrument to an extent that cannot be fully predicted. The rate of
prepayments may be influenced by a variety of economic, social and other factors. Prepayments in
auto loans is lower than housing loans as the shorter tenor of auto loans makes it economically
unattractive to prepay after considering the prepayment charges.
• Credit Risk: Delinquencies may happen which would reduce the principal amount. Typically ABS
structures come with credit enhancement in variety of forms. If delinquencies are higher than the
amount available in the credit enhancement facility than the monthly payouts to the fund would
reduce. Typically auto loans carry higher risk than MBS as the value retention of the underlying asset
is higher in MBS as compared to the underlying asset of ABS.
• Liquidity Risk: Historically the secondary market volume of securitised papers has been limited. This
could limit the ability of the fund to resell them. Secondary market trades could be at a discount or
premium depending upon the prevailing interest rates.
Risks Factors associated with Asset Backed Securities (ABS)- Corporate Loans
• Credit Risk: The fund has an exposure to the Borrower/Borrowers and servicing of the instrument
depends on the credit risk of the Borrower. The value of the instrument would fluctuate depending
upon the changes in the perceived level of credit risk as well as any actual default.
• Prepayment Risk: The Borrower may prepay the receivables prior to their respective due dates. This
may result in a change in the yield and tenor for the fund.
• Limited Liquidity and Price Risk: Historically the secondary market volume of securitised papers
has been limited. This could limit the ability of the fund to resell them. Secondary market trades could
be at a discount or premium depending upon the prevailing interest rates.
Risk Factors associated with investments in 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 also 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 loss may be sustained by the
portfolio as a result of the failure of another party (usually referred as the “counter party”) 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. Thus, derivatives are highly leveraged instruments. Even a small price
movement in the underlying security could have a large impact on their value. Derivative products are
Page 7
leveraged instruments and can provide disproportionate gains as well as disproportionate losses to the
investor. Execution of such strategies depends upon the ability of the 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
• Derivative trades involve execution risks, whereby the rates seen on the screen may not be the rate
at which ultimate execution takes place.
• The options buyer’s risk is limited to the premium paid, while the risk of an options writer is unlimited.
However, the gains of an options writer are limited to the premiums earned.
• The writer of a put option bears the risk of loss if the value of the underlying asset declines below the
exercise price. The writer of a call option bears a risk of loss if the value of the underlying asset
increases above the exercise price.
• Investments in index futures face the same risk as the investments in a portfolio of shares
representing an index. The extent of loss is the same as in the underlying stocks.
• Risk of loss in trading futures contracts can be substantial, because of the low margin deposits
required, the extremely high degree of leverage involved in futures pricing and potential high volatility
of the futures markets.
• 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
Risks Factors associated with Stock Lending:

The risks in lending portfolio securities, as with other extensions of credit, consist of the failure of another
party, in this case the approved intermediary, to comply with the terms of agreement entered into
between the lender of securities i.e. the Scheme and the approved intermediary. Such failure to comply
can result in the possible loss of rights in the collateral put up by the borrower of the securities, the
inability of the approved intermediary to return the securities deposited by the lender and the possible
loss of any corporate benefits accruing to the lender from the securities deposited with the approved
intermediary.
There can be temporary illiquidity of the securities that are lent out and the Fund may not be able to sell
such lent-out securities, resulting in an opportunity loss. In case of a default by counterparty, the loss to
the fund can be equivalent to the securities lent
Risks Factors associated with Short Selling:

Short selling is the selling of a stock that the seller does not own. More specifically, a short sale is the
sale of a security that isn’t owned by the seller, but that is promised to be delivered. Later, the short seller
buys back the same number of shares shorted (called covering). If the price drops, you can buy back the
stock at the lower price and make a profit on the difference. If the price of the stock rises, you have to buy
it back at the higher price, and you lose money.
Thus, short positions carry the risk of losing money and these losses may be unlimited theoretically, if the
price of the stock increases without limit and hence may result in major losses in the Scheme. In addition,
it is possible that the seller is unable to borrow the Securities. In such cases, short seller may be required
to purchase the Securities sold short to cover the position. Such squaring of transaction may have to be
carried at a price, which may be higher at the time of the short sale. If a stock starts to rise and a large
number of short sellers try to cover their positions at the same time, it can briskly escalate the price even
further. This might result in losses to the Scheme.
Scheme may enter into short selling transactions, subject to SEBI regulations in the matter
B. REQUIREMENT OF MINIMUM INVESTORS IN THE SCHEME

The Scheme(s) and individual Plan(s) under the Scheme(s) shall have a minimum of 20 investors and no
single investor shall account for more than 25% of the corpus of the Scheme(s)/Plan(s). These conditions
will be complied with immediately after the close of the NFO itself i.e. at the time of allotment. In case of
non-fulfillment with the condition of minimum 20 investors, the Scheme(s)/Plan(s) shall be wound up in
accordance with Regulation 39 (2) (c) of SEBI (MF) Regulations automatically without any reference from
SEBI. In case of non-fulfillment with the condition of 25% holding by a single investor on the date of
allotment, the application to the extent of exposure in excess of the stipulated 25% limit would be liable to
be rejected and the allotment would be effective only to the extent of 25% of the corpus collected.
Consequently, such exposure over 25% limits will lead to refund within 6 weeks of the date of closure of
the New Fund Offer.
Page 8
C. SPECIAL CONSIDERATIONS
− Changes in Government Policy in general and changes in tax benefits applicable to mutual funds may
impact the returns to investors in the Scheme.
− The NAV of the scheme may be affected by changes in the general market conditions, factors and
forces affecting capital market in particular, level of interest rates, various market related factors,
settlement periods and transfer procedures.
− A Unitholder may invest in the schemes and acquire a substantial portion of the scheme units. The
repurchase of units by the Unitholder may have an adverse impact on the units of the schemes,
because the timing of such repurchase may impact the ability of other Unit holders to repurchase their
units.
− Mutual Funds are vehicles of securities investments that are subject to market and other risks and
there can be no guarantee against loss resulting from investing in the Scheme. The various factors
that impact the value of the Scheme' investments include, but are not restricted to, fluctuations in the
bond markets, fluctuations in interest rates, prevailing political and economic environment, changes in
government policy, factors specific to the issuer of the securities, tax laws, liquidity of the underlying
instruments, settlement periods, trading volumes etc.
− Redemptions due to change in the fundamental attributes of the Scheme or due to any other reasons
may entail tax consequences. The Trustees, the Mutual Fund, the AMC, their directors or their
employees shall not be liable for any tax consequences that may arise.
− Transactions in the units of the Scheme on the Exchange may be halted because of market
conditions, including any halt in the operations of Depository Participants or for reasons that in view of
the Exchange Authorities or SEBI, trading in the units is suspended and / or restricted. In addition,
trading in units is subject to trading halts caused by extraordinary market volatility and pursuant to
stock exchange rules of ‘circuit filter’. There can be no assurance that the requirements of Exchange
necessary to maintain the listing of units will continue to be met or will remain unchanged.
− Execution of investment strategies depends upon the ability of the fund manager to identify such
opportunities which may not be available at all times and that the decisions made by the fund
manager may not always be profitable. Investors may note that AMC/Fund Manager’s investment
decisions may not always be profitable, as actual market movements may be at variance with
anticipated trends
− Investors should study this Scheme Information Document carefully in its entirety and should not
construe the contents hereof as advise relating to legal, taxation, investment or any other matters.
Investors may, if they wish, consult their legal, tax, investment and other professional advisors to
determine possible legal, tax, financial or other considerations of subscribing to or redeeming Units,
before making a decision to invest/redeem Units.
− Neither this Document nor the Units have been registered in any jurisdiction. The distribution of this
Document in certain jurisdictions may be restricted or totally prohibited due to registration
requirements and accordingly, persons who come into possession of this Document are required to
inform themselves about and to observe any such restrictions and or legal compliance requirements.
− No person has been authorized to issue any advertisement or to give any information or to make any
representations other than that contained in this Document. Circulars in connection with this offering
not authorized by the Mutual Fund and any information or representations not contained herein must
not be relied upon as having been authorized by the Mutual Fund.
D. DEFINITIONS
In this Scheme Information Document, the following words and expressions shall have the meaning
specified herein, unless the context otherwise requires:
“AMC” or “Asset Birla Sun Life Asset Management Company Limited, incorporated under the
Management Company provisions of Companies Act, 1956 and approved by the Securities and
or “Investment Exchange Board of India to act as the Asset Management Company for the
Manager” scheme(s) of Birla Sun Life Mutual Fund
“Applicable NAV” The NAV applicable for purchase or redemption or switching on the date of
maturity.
“Benchmark” “CRISIL MIP Blended Index”
Page 9
“Business Day” A day other than:

Saturday and Sunday or
A day on which the banks in Mumbai and / RBI are closed for business
/clearing or
A day on which the Stock Exchange, Mumbai is closed or
A day, which is a public and /or bank holiday at a Investor Service Centre
where the application is received or
A day on which Sale and Repurchase of Units is suspended by the AMC or
A day on which normal business cannot be transacted due to storms, floods,
bandhs, strikes or such other events as the AMC may specify from time to
time.
The AMC reserves the right to declare any day as a Business Day or
otherwise at any or all Investor Service Centres.
“Custodian” A person who has been granted a certificate of registration to carry on the
business of custodian of securities under the Securities and Exchange Board
of India (Custodian of Securities) Regulations 1996, which for the time being
is J.P.Morgan Chase Bank, Mumbai.
“Depository” Depository as defined in the Depositories Act, 1996 (22 of 1996).
“Depository ‘Depository Participant’ means a person registered as such under sub-section
participants” (1A) of section 12 of the Securities and Exchange Board of India Act, 1992.
“Equity related Equity related instruments would include convertible bonds, convertible
instruments” debentures, convertible preference shares, warrants carrying the right to
obtain equity shares and any other like instrument.
“FII” Foreign Institutional Investor, registered with SEBI under the Securities and
Exchange Board of India (Foreign Institutional Investors) Regulations, 1995,
as amended from time to time.
“Floating Rate Floating rate instruments are debt / money market instruments issued by
Instruments” Central / State Governments, with interest rates that are reset periodically.
The periodicity of interest reset could be daily, monthly, annually or any other
periodicity that may be mutually agreed between the issuer and the Fund.
"Fund of Funds / FoF" A Mutual fund scheme that invest primarily in other schemes of the same
mutual fund or other mutual funds.
“Fund Manager” Person/s managing the scheme
“Gilt or Government Securities created and issued by the Central Government and/or a State
Securities” Government (including Treasury Bills) or Government Securities as defined in
the Public Debt Act, 1944, as amended or re-enacted from time to time.
“Investment The agreement dated December 16, 1994 entered into between Birla Sun
Management Life Trustee Company Private Limited and Birla Sun Life Asset Management
Agreement” Company Limited, as amended from time to time.
“Investor Service Designated branches of Birla Sun Life Asset Management Company Ltd. or
Centres” or “ISCs” or such other enters / offices as may be designated by the AMC from time to
“Official Points of time. All these locations are official points of acceptance of transactions and
acceptance of cut-off time as mentioned in the Scheme Information Document shall be
transactions reckoned at these official points.
“Load” In the case of Repurchase / Redemption / Switch out of a Unit, the sum of
money deducted from the Applicable NAV on the Repurchase / Redemption /
Switch out and in the case of Sale / Switch in of a Unit, a sum of money to be
paid by the prospective investor on the Sale / Switch in of a Unit in addition to
the Applicable NAV.
“Entry Load” or “Sales Load on Sale / Switch in of Units
Load”
“Exit Load” or Load on Redemption / Switch out Units.
“Redemption Load”
“Mutual Fund” or “the Birla Sun Life Mutual Fund, a trust set up under the provisions of the Indian
Fund” Trusts Act, 1882.
“Money Market Commercial papers, commercial bills, treasury bills, Government securities
Instruments” having an unexpired maturity upto one year, call or notice money, certificate
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of deposit, usance bills, Collateralized Borrowing and Lending Obligations

(CBLOs) and any other like instruments as specified by the Reserve Bank of
India from time to time
“NAV” Net Asset Value per Unit of the Scheme, calculated in the manner described
in this Scheme Information Document or as may be prescribed by the SEBI
Regulations from time to time.
“New Fund Offer Offer of units of Birla Sun Life Capital Protection Oriented Fund - Series 1
(NFO)” during the New Fund Offer.
“NRI” A Non-Resident Indian or a person of Indian origin residing outside India.
“Person of Indian A citizen of any country other than Bangladesh or Pakistan, if (a) he at any
Origin” or “PIO” time held an Indian passport; or (b) he or either of his parents or any of his
grand parents was a citizen of India by virtue of the Constitution of India or
the Citizenship Act, 1955 (57 of 1955); or (c) the person is a spouse of an
Indian citizen or a person referred to in sub-clause (a) or (b).
“RBI” Reserve Bank of India, established under the Reserve Bank of India Act,
1934.
"RBI Regulations" Rules, regulations, guidelines or circulars as notified by RBI from time to time.
“Recognised Stock Stock exchanges recognized by SEBI.
Exchange”
“Register of Register of unitholders for the purposes of dividend declaration shall mean
Unitholders” the Statement of Beneficiary Position as may be received from the
Depositories on the record date and the records of unitholders maintained by
the Registrar and Transfer Agent in case of units not held in dematerialization
form.
“Registrar and Transfer Computer Age Management Services Ltd (CAMS) is currently acting as
Agent” registrar to the Scheme, or any other registrar appointed by the AMC from
time to time.
“Repurchase / Repurchase / Redemption of Units of the Scheme as permitted.
Redemption”
“Repo/ Reverse Repo” Sale/ Purchase of Government Securities as may be allowed by RBI from
time to time with simultaneous agreement to repurchase/resell at a later date.
“Sale / Subscription” Sale or allotment of Units to the Unit holder upon subscription by the investor
/ applicant under the Scheme.
“Scheme Information This document issued by Birla Sun Life Mutual Fund, inviting offer for
Document” or “SID” subscription to the units of the scheme for subscription.
“SEBI” Securities and Exchange Board of India, established under the Securities and
Exchange Board of India Act, 1992.
“SEBI Regulations” or Securities and Exchange Board of India (Mutual Funds) Regulations, 1996,
“Regulations” as amended from time to time.
“Statement of The document issued by Birla Sun Life Mutual Fund containing details of
Additional Information” Mutual Fund, its constitution, and certain tax, legal and general information. It
or “SAI” is incorporated by reference & is legally a part of the Scheme Information
Document.
“Stock Exchange Mutual Fund Service System (MFSS) of NSE and/or Bombay Stock
Platform for Mutual Exchange Platform for Allotment and Redemption of Mutual Fund units (BSE
Funds” StAR MF) of BSE. The transactions carried out on the above platform(s) shall
be subject to such guidelines as may be issued by the respective stock
exchanges and also SEBI (Mutual Funds) Regulations, 1996 and
circulars/guidelines issued thereunder from time to time
“Switch” or “Lateral Redemption of a unit in any scheme of the Mutual Fund against purchase of
Shift” a unit in another scheme (including the plans therein) of the Mutual Fund,
subject to completion of lock-in period, if any, of the units of the scheme(s)
from where the units are being switched and applicable load structure.
“The Scheme” Birla Sun Life Capital Protection Oriented Fund - Series 1
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“Trustee” Birla Sun Life Trustee Company Private Ltd. incorporated under the
provisions of the Companies Act, 1956 and approved by SEBI to act as
Trustee to the schemes of Birla Sun Life Mutual Fund (BSLMF).
“Trust Deed” The Trust Deed dated December 16, 1994 (read with all amendments and
supplemental trust deeds thereto) made by and between the Sponsor and
Birla Sun Life Trustee Company Private Limited (“Trustee”), thereby
establishing an irrevocable trust, called Birla Sun Life Mutual Fund as
amended from time to time.
“Unit” The interest of the Unit holder, which consists of, each Unit representing one
undivided share in the assets of the Scheme.
“Unit holder” A person holding Units in the Scheme of the Birla Sun Life Mutual Fund
(BSLMF) offered under this Scheme Information Document.
Interpretation
For all purposes of this Scheme Information Document, except as otherwise expressly provided or unless
the context otherwise requires, the terms defined in this Scheme Information Document include the plural
as well as the singular. Pronouns having a masculine or feminine gender shall be deemed to include the
other. Words and expressions used herein but not defined herein shall have the meanings respectively
assigned to them therein under the SEBI Act or the SEBI Regulations.
E. DILIGENCE BY THE ASSET MANAGEMENT COMPANY

The Asset Management Company confirms that a Due Diligence Certificate duly signed by the
Compliance Officer of Birla Sun Life Asset Management Company Limited, has been submitted to SEBI
on December 14, 2009 which reads as follows:
Due Diligence Certificate

It is confirmed that:
(i) The draft Scheme Information Document 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.
(ii) 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.
(iii) 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.
(iv) According to the information given to us, the intermediaries named in the Scheme Information
Document and Statement of Additional Information are registered with SEBI and their registration is
valid, as on date.
For Birla Sun Life Asset Management Company Ltd.
Sd/-
PLACE: Mumbai Rajiv Joshi

DATE: December 14, 2009 Compliance Officer
Page 12
Section II – INFORMATION ABOUT THE SCHEME
A. TYPE OF THE SCHEME

Birla Sun Life Capital Protection Oriented Fund – Series 1 is close ended Capital Protection Oriented
Scheme
B. INVESTMENT OBJECTIVE
To seek capital protection by investing in high quality fixed income securities maturing in line with the
tenure of the scheme and seeking capital appreciation by investing in equity and equity related
instruments.
C. ASSET ALLOCATION AND INVESTMENT PATTERN

Under normal circumstances, the asset allocation of the Scheme will be as follows:
Instrument Risk Profile Indicative Allocation
Debt Securities and money market instruments* Low to medium 80% to 100%
Equity and Equity Related Instruments High 0% to 20%
* Money Market Instruments include commercial papers, commercial bills, treasury bills, and Government
securities having an unexpired maturity upto one year, call or notice money, certificate of deposit, usance
bills, CBLOs and any other like instruments as specified by the Reserve Bank of India from time to time
CRISIL, while assigning AAA(so) rating to the scheme has assumed initial debt levels (allocation in Debt
Securities and money market instruments). Asset Allocation of the scheme shall be subject to the same
and the limits specified above
The scheme may take exposure through derivative transactions in the manner and upto the limit as may
be specified by SEBI from time to time; provided at any point in time the aggregate value of investments
in permissible asset classes including debt and money market instruments and equity and equity related
instruments and the notional exposure through derivative transactions shall not exceed 100% of the
scheme's AUM, unless otherwise permitted by SEBI in writing
Under normal circumstances, the scheme will invest in above instruments in line with its duration
The investments in securitised debt papers may be made upto 100% of the net assets of the scheme
The scheme shall invest only in such securities which mature on or before the date of the maturity of the
scheme
The scheme does not intend to invest in Foreign Securities.
Change in Asset Allocation

The above mentioned investment pattern is indicative and may change for short duration
Subject to the Regulations, the asset allocation pattern indicated above may change from time to time,
keeping in view market conditions, market opportunities, and political and economic factors. It must be
clearly understood that the percentages stated above are only indicative and not absolute and that they
can vary substantially depending upon the perception of the Investment Manager, the intention being at
all times to seek to protect the interests of the unit holders. Such changes in the investment pattern will be
for short term and defensive considerations while endeavoring that the capital will remain protected on
maturity and ensuring that the rating of the Scheme is not adversely affected. The deviation shall be
reviewed on a quarterly basis and the Fund Manager shall endeavor to do the rebalancing of the portfolio
within three months from the date of deviation to bring it in line with the asset allocation pattern as
indicated in this SID. Further, in case the rebalancing is not done within the specified period, justification
for the same shall be provided to the Investment Committee and the reason for the same shall be
recorded in writing. The Investment Committee shall then decide on the course of action
Provided further and subject to the above, any change in the asset allocation affecting the investment
profile of the Scheme shall be effected only in accordance with the provisions of sub regulation (15A) of
Regulation 18 of the Regulations
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D. INVESTMENT BY SCHEME
Subject to the Regulations, the corpus of the Scheme can be invested in any (but not exclusively) of the
following securities:
1. Securities created and issued by Governments of India and/or repos/reverse repos in such
Government Securities as may be permitted by RBI (including but not limited to coupon bearing
bonds, zero coupon bonds and treasury bills).
2. Securities guaranteed by the Central and State Governments (including but not limited to coupon
bearing bonds, zero coupon bonds and treasury bills).
3. Debt obligations of domestic Government agencies and statutory bodies, which may or may not carry
a Central/State Government guarantee.
4. Corporate debt and securities (of both public and private sector undertakings) including Bonds,
Debentures, Notes, Strips etc.
5. Money market instruments permitted by SEBI/RBI, having maturities upto one year and more than
one year, in call money market or in alternative investment for the call money market as may be
provided by the RBI to meet the liquidity requirements.
6. Certificate of Deposits (CDs).
7. Commercial Paper (CPs).
8. Securitised Debt Obligations.
9. The non-convertible part of convertible securities.
10. Any other domestic fixed income securities.
11. Pass through, Pay through or other Participation Certificates, representing interest in a pool assets
including receivables.
12. Equity and Equity linked instruments including convertible bonds and debentures and warrants
carrying the right to obtain equity shares
13. Derivative instruments like Interest Rate Swaps, Forward Rate Agreements, Stock Index Futures,
Stock Options, Index Options and such other derivative instruments permitted by SEBI/RBI.
14. Any other like instruments as may be permitted by RBI/SEBI/ such other Regulatory Authority from
time to time.
The securities mentioned above could be listed or unlisted, secured or unsecured, rated or un-rated and
of varying maturity, as enabled under SEBI Regulations/ circulars/ RBI. The securities may be acquired
through Initial Public Offerings (IPOs), secondary market operations, private placement, rights offers or
negotiated deals.
The Scheme may also enter into repurchase and reverses repurchase obligations in all securities held by
it as per the guidelines and regulations applicable to such transactions.
Debt Market In India

The instruments available in Indian Debt Market are classified into two categories, namely Government
and Non - Government debt. The following instruments are available in these categories:
A] Government Debt
• Central Government Debt • Zero Coupon Bonds
• Treasury Bills • State Government Debt
• Dated Government Securities • State Government Loans
• Coupon Bearing Bonds • Coupon Bearing Bonds
• Floating Rate Bonds
B] Non-Government Debt
• Instruments issued by Government Agencies and other Statutory Bodies
• Government Guaranteed Bonds
• PSU Bonds
• Instruments issued by Public Sector Undertakings
• Commercial Paper
• Fixed Coupon Bonds
• Floating Rate Bonds
Page 14
• Zero Coupon Bonds

• Instruments issued by Banks and Development Financial institutions
• Certificates of Deposit
• Promissory Notes
• Instruments issued by Corporate Bodies
• Non-Convertible Debentures
• Fixed Coupon Debentures
• Floating Rate Debentures
• Zero Coupon Debentures
• Pass Through Securities
Activity in the Primary and Secondary Market is dominated by Central Government Securities including
Treasury Bills. These instruments comprise close to 50% of all outstanding debt and close to 75% of the
daily trading volume on the Wholesale Debt Market Segment of the National Stock Exchange of India
Limited.
In the money market, activity levels of the Government and Non-Government Debt vary from time to time.
Instruments that comprise a major portion of money market activity include but are not limited to,
• CBLO / Repo
• Treasury Bills
• Government Securities with a residual maturity of < 1 year
• Commercial Paper
• Certificates of Deposit
• Banks Rediscounting Scheme (BRDS)
Apart from these, there are some other options available for short tenure investments that include MIBOR
linked debentures with periodic exit options and other such instruments. PSU / DFI / Corporate paper with
a residual maturity of < 1 year, are actively traded and offer a viable investment option.
The following table gives approximate yields prevailing on January 25, 2010 on some instruments. These
yields are indicative and do not indicate yields that may be obtained in future as interest rates keep
changing consequent to changes in the macro economic conditions and RBI Policies
Generally, for instruments issued by a non-Government entity (corporate/PSU bonds), the yield is higher
than the yield on a Government Security with corresponding maturity. The difference, known as credit
spread, depends on various factors including the credit rating of the entity.
Instrument Yield Range (% per annum)

Interbank Call Money 2.75%-3.25%
91 Day Treasury Bill 3.50%-4.00%
181 Day Treasury Bill 3.90%-4.50%
P1 + Commercial Paper 90 Days 4.75%-6.00%
5 Year Government of India Security 7.10%-7.30%
10 Year Government of India Security 7.50%-7.80%
1 Year Corporate AAA 6.10%- 7.00%
3 Year Corporate AAA 7.40%-7.80%
Trading in Derivatives
SEBI has permitted Mutual Funds to participate in derivatives trading subject to observance of guidelines
issued by it in this behalf. Accordingly, Mutual Funds may use various derivative products from time to
time, as would be available and permitted by SEBI, in an attempt to protect the value of the portfolio and
enhance Unitholders' interest.
The scheme intends to use derivative instruments like interest rate swaps, forward rate agreements, stock
options, stock futures, index options, index futures or other equity derivative instruments as may be
introduced from time to time. The Mutual Fund would comply with the provisions of SEBI Circular Ref. No.
DNPD/Cir-29/2005 dated September 14, 2005 while trading in derivatives
Page 15
Derivatives can be either exchange traded or can be over the counter (OTC). Exchange traded
derivatives are listed and traded on Stock Exchanges whereas OTC derivative transactions are generally
structured between two counterparties. 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 the 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.
Presently, the position limits for trading in derivatives by Mutual Fund specified by SEBI vide its circular
Ref. No. DNPD/Cir-29/2005 dated September 14, 2005, circular Ref. No. DNPD/Cir-30/2006, dated
January 20, 2006 and September 22, 2006 are as follows:
Position Limits
The position limits for Mutual Funds and its schemes shall be under:
(i) Position limit for Mutual Funds in index options contracts
a) The Mutual Fund position limit in all index options contracts on a particular underlying index shall
be Rs. 500 crore or 15% of the total open interest of the market in index options, whichever is
higher, per Stock Exchange.
b) This limit would be applicable on open positions in all options contracts on a particular underlying
index.
(ii) Position limit for Mutual Funds in index futures contracts
a) The Mutual Fund position limit in all index futures contracts on a particular underlying index shall
be Rs. 500 crore or 15% of the total open interest of the market in index futures, whichever is
higher, per Stock Exchange.
b) This limit would be applicable on open positions in all futures contracts on a particular underlying
index.
(iii) Additional position limit for hedging
In addition to the position limits at point (i) and (ii) above, Mutual Funds may take exposure in equity index
derivatives subject to the following limits:
a) Short positions in index derivatives (short futures, short calls and long puts) shall not exceed (in
notional value) the Mutual Fund’s holding of stocks.
b) Long positions in index derivatives (long futures, long calls and short puts) shall not exceed (in
notional value) the Mutual Fund’s holding of cash, government securities, T-Bills and similar
instruments.
(iv) Position limit for Mutual Funds for stock based derivative contracts
a) For stocks having applicable market-wise position limit (MWPL) of Rs. 500 crores or more, the
combined futures and options position limit shall be 20% of applicable MWPL or Rs. 300 crores,
whichever is lower and within which stock futures position cannot exceed 10% of applicable
MWPL or Rs. 150 crores, whichever is lower.
b) For stocks having applicable market-wise position limit (MWPL) less than Rs. 500 crores, the
combined futures and options position limit would be 20% of applicable MWPL and futures
position cannot exceed 20% of applicable MWPL or Rs. 50 crore which ever is lower.
c) The MWPL and client level position limits however would remain the same as prescribed.
(v) Position limit for each scheme of a Mutual Fund

The scheme-wise position limit requirements shall be:
a) For stock option and stock futures contracts, the gross open position across all derivative
contracts on a particular underlying stock of a scheme of a mutual fund shall not exceed the
higher of:
a. 1% of the free float market capitalization (in terms of number of shares). Or
b. 5% of the open interest in the derivative contracts on a particular underlying stock (in
terms of number of contracts).
b) This position limits shall be applicable on the combined position in all derivative contracts on an
underlying stock at a Stock Exchange.
c) For index based contracts, Mutual Funds shall disclose the total open interest held by its scheme
or all schemes put together in a particular underlying index, if such open interest equals to or
exceeds 15% of the open interest of all derivative contracts on that underlying index.
Page 16
Exposure to Derivatives
In order to protect the interests of the Unit holders, the scheme may take exposure through derivative
transactions in the manner and upto the limit as may be specified by SEBI from time to time; provided at
any point in time the aggregate value of investments in permissible asset classes including debt and
money market instruments and equity and equity related instruments and the notional exposure through
derivative transactions shall not exceed 100% of the scheme's AUM, unless otherwise permitted by SEBI
in writing.
The Scheme may use derivatives instruments such as Stock Index Futures, Options on indices or such
other derivative instruments as may be introduced / permitted, from time to time.
Derivatives can be traded over the exchange or can be structured between two counter-parties. Those
transacted over the exchange are called Exchange Traded derivatives whereas the other category is
referred to as OTC (Over the Counter) derivatives. Some of the differences of these two derivative
categories are as under:
Exchange traded derivatives: These are quoted on the exchanges like any other traded asset class.
The most common amongst these are the Index Futures, Index Options, Stock Futures and Options on
individual equities / securities. The basic form of the futures contract is similar to that of the forward
contract, a futures contract obligates its owner to purchase a specified asset at a specified exercise price
on the contract maturity date. Futures are cash-settled and are traded only in organised exchanges.
Exchange traded derivatives are standardised in terms of amount and delivery date. Standardisation and
transparency generally ensures a liquid market together with narrower spreads. On the other hand, for
delivery dates far in the future, there may be insufficient liquidity in the futures market whereas an OTC
price may be available.
OTC derivatives: OTC derivatives require the two parties engaging in a derivatives transaction to come
together through a process of negotiation. It is a derivative that is customised in terms of structure,
amount, tenor, underlying assets, collateral etc.
Stock Lending by the Scheme:

Subject to the Regulations and the applicable guidelines issued by SEBI, the Trustee may permit the
Fund to engage in stock lending. The Fund can temporarily lend stocks held with the Custodian to
reputed counterparties, for a fee, subject to prudent limits and controls for enhancing returns. The Fund is
allowed to lend securities subject to a maximum of 25%, in aggregate, of the net assets of each scheme
and 5% in the case of a single intermediary.
Investment Process and Recording of Investment Decisions

The investment policies of the schemes of Birla Sun Life Mutual Fund are decided by the investment
committee. The committee has put in place detailed investment guidelines defining the prudential and
concentration limits for the portfolio. The investment management team is allowed full discretion to make
sale and purchase decisions within the limits established. The responsibility for the investment decisions
is with the portfolio managers and the CEO of the AMC does not have any role in the day to day decision
making process. All the decisions will be recorded alongwith their justifications. The AMC and Trustee will
review the performance of the scheme in their Board meetings. The performance would be compared
with the performance of the benchmark index and with peer group in the industry.
Investment in other Schemes

The Scheme may, in line with its investment objectives, invest in another Scheme under the management
of BSLAMC or of any other Asset Management Company. The aggregate Interscheme investment by
BSLMF under all its Schemes, other than fund of fund schemes, taken together, in another Scheme
managed by BSLAMC or in any other Scheme of any other Mutual Fund, shall not be more than 5% of
the net asset value of the Fund. No fee shall be charged by the AMC on any investment in another
Scheme under the management of BSLAMC or of any other Asset Management Company
Investments by the AMC in the Scheme

The AMC may invest in the scheme in the New Fund Offer Period subject to the SEBI Regulations &
circulars issued by SEBI and to the extent permitted by its Board of Directors from time to time. As per the
existing SEBI Regulations, the AMC will not charge investment management and advisory fee on the
investment made by it in the scheme.
Page 17
Investment of Subscription Money

Pending deployment in securities as per the investment objectives of the scheme, the Fund may invest
subscription money received from the investing public in bank deposits, or money market instruments
before finalisation of the allotment of Units. The AMC, on being satisfied of the receipt of the minimum
subscription amount, can commence investment out of the funds received in accordance with the
investment objectives of the Scheme and as per the existing Regulations. The income earned out of such
investments would be merged with the corpus of the Scheme on completion of the allotment of the Units
Borrowing by the Mutual Fund

Under the SEBI Regulations, the Mutual Fund is allowed to borrow to meet the temporary liquidity
requirements of its Scheme for the purpose of Redemption of Units or the payment of interest or dividend
to the Unit holders. Further, as per the SEBI Regulations, the Mutual Fund shall not borrow more than
20% of the Net Assets of the scheme and the duration of such borrowing shall not exceed a period of six
months. The Mutual Fund may raise such borrowings after approval by the Trustee from Sponsor or any
of its Associate / Group Companies or Banks in India or any other entity at market related rates prevailing
at the time and applicable to similar borrowings. The security for such borrowings, if required, will be as
determined by the Trustee.
E. INVESTMENT STRATEGY
The scheme follows a passive investment strategy for the fixed income component of the scheme.
Exposure to counter parties will be only to CRISIL approved entities. The fund will employ active,
disciplined approach based on thorough research and evaluation of domestic as well as world financial
markets so as to attain a global Perspective which will in turn help in achieving schemes objective.
The corpus of the equity component of the scheme will be primarily invested in diversified equity and
equity related securities of the companies that have a potential to appreciate in the long run. All
companies selected will be analysed taking into account the business fundamentals like nature and
stability of business, prospects of future growth and scalability, financial discipline and returns, valuations
in relation to broad market and expected growth in earnings, the company’s financial strength and track
record.
Stock Selection Strategy

The Fund will select stocks of companies that have demonstrated a potential ability to grow at a
reasonable rate for the long term. The aim will be to build a portfolio that adequately reflects a
crosssection of the growth areas of the economy from time to time. While the portfolio focuses primarily
on a buy and hold strategy at most times, it will balance the same with a rati onal approach to selling
when the valuations become too demanding even in the face of reasonable growth prospects in the long
run
Risk Control
Investments made by the scheme would be in accordance with the investment objectives of the scheme
and provisions of SEBI Regulations. Since investing requires disciplined risk management, the AMC
would incorporate adequate safeguards for controlling risks in the portfolio construction process. The risk
control process involves reducing risks through portfolio diversification, taking care however not to dilute
returns in the process. The AMC believes that this diversification would help achieve the desired level of
consistency in returns. The AMC aims to identify securities, which offer superior levels of yield at lower
levels of risks. With the aim of controlling risks, rigorous in-depth credit evaluation of the securities
proposed to be invested in will be carried out by the investment team of the AMC.
The Scheme may also use various derivatives and hedging products from time to time, as would be
available and permitted by SEBI/RBI, in an attempt to protect the value of the portfolio and enhance
Unitholders’ interest.
It is proposed to manage the risks by placing limit orders for basket trades and other trades, proactive
follow-up with the service providers for daily change in weights in the respective indices as well as closely
monitor daily inflows and outflows to and from the Fund.
Page 18
The Trustees will also continuously monitor the structure of the portfolio of the scheme and wil report the
same in the half-yearly Trustee Report. The AMC shall also report about the same in the bi-monthly
Compliance Test Report.
While these measures are expected to mitigate the above risks to a large extent, there can be no
assurance that these risks would be completely eliminated.
Portfolio Turnover
The scheme has no explicit constraints either to maintain or limit the portfolio turnover. Portfolio turnover
will depend upon the circumstances prevalent at any time and would also depend on the extent of
volatility in the market and inflows/outflows in the scheme. The Fund Manager will however endeavor to
maintain a low portfolio turnover rate.
F. FUNDAMENTAL ATTRIBUTES
Following are the fundamental attributes of the scheme, in terms of Regulation 18 (15A) of the SEBI
regulation
• Type of Scheme: A Close ended Capital Protection Oriented Scheme
• Investment objective: To seek capital protection by investing in high quality fixed income securities
maturing in line with the tenure of the scheme and seeking capital appreciation by investing in equity
and equity related instruments
• Asset Allocation Pattern:
Please refer to ‘Section II – C. Asset Allocation and Investment Pattern’ of this SID for details.
• Terms of Issue:
Redemption Of Units
As mentioned in Section III B of this SID
• Aggregate Fees and Expenses
Please refer to ‘Section IV. Fees and Expenses’ of this SID.
• Any Safety Net or Guarantee provided:
This Scheme does not provide any guaranteed or assured return to its Investors
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:
− A written communication about the proposed change is sent to each Unitholders and an
advertisement is 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; and
− The Unitholders are given an option for a period of 30 days to exit at the prevailing Net Asset Value
without any exit load.
G. BENCHMARK
The performance of the scheme will be benchmarked to the performance of CRISIL MIP Blended Index.
The fund reserves the right to change the said benchmark and/or adopt one/more other benchmarks to
compare the performance of the Scheme.
The performance of this scheme will be compared with its peers in the Industry. The performance will be
placed before the Investment Committee as well as the Board of Directors of the AMC and the Trustee
Company in each of their meetings
Rationale for adoption of benchmark:
CRISIL MIP Blended Index has been developed by CRISIL, an independent reputed credit rating agency.
This index is a representation of the asset allocation of all the identical funds in the industry. Birla Sun Life
Capital Protection Oriented Fund is a hybrid fund with the equity allocation less than 50% of the corpus
and the minimum debt allocation of 80%. Therefore, the Benchmark selected to measure the
performance of the Scheme is CRISIL MIP Blended Index
Page 19
H. FUND MANAGER
Mr. Satyabrata Mohanty would be the designated Fund Manager of the Scheme.
Name Age Portfolio Educational Experience

Qualifications
Satyabrata 36 Co-Head: B.Com, C.A., CFA Over 10 years of experience in Finance
Mohanty years Debt and Research. Previously worked in Aditya
Birla Management Corporation Ltd.
Other Schemes managed by Mr. Satyabrata Mohanty

• Birla Sun Life MIP II - Savings 5 Plan*
• Birla Sun Life MIP II - Wealth 25 Plan*
• Birla Sun Life MIP*
• Birla Sun Life Monthly Income*
• Birla Sun Life '95 Fund*
• Birla Sun Life Capital Protection Oriented Fund - 3 and 5 Year Plan
• Birla Sun Life Asset Allocation Fund
*Jointly with Mr. Nishit Dholakia
I. INVESTMENT RESTRICTIONS FOR THE SCHEME

All investments by the Scheme and the Mutual Fund will always be within the investment restrictions as
specified in the SEBI Regulations. Pursuant to the Regulations, the following investment and other
restrictions are presently applicable to the scheme:
• 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 SEBI Act, 1992. 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 the AMC. Provided that,
such limit shall not be applicable for investments in government securities. Provided further that
investment within such limit can be made in mortgage backed securitised debt which are rated not
below investment grade by a credit rating agency registered with SEBI.
• The scheme shall not invest more than 10% of its NAV in unrated debt instruments issued by a single
issuer and the total investment in such instruments shall not exceed 25% of the NAV of the Scheme.
All such investments shall be made with the prior approval of the Board of Trustees and the Board of
the AMC or a Committee constituted in this behalf.
• The Mutual Fund under all its schemes shall not own more than 10% of any company's paid up
capital carrying voting rights
• The scheme shall not 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.
• Transfer of investments from one scheme to another scheme in the Mutual Fund is permitted
provided:
− Such transfers are done at the prevailing market price for quoted instruments on spot basis (spot
basis shall have the same meaning as specified by a Stock Exchange for spot transactions); and
− The securities so transferred shall be in conformity with the investment objective of the Scheme
to which such transfer has been made.
• The scheme may invest in other schemes under the same AMC or any other Mutual Fund without
charging any fees, provided the aggregate inter-scheme investment made by all the Schemes under
the same management or in schemes under management of any other Asset Management Company
shall not exceed 5% of the Net Asset Value of the Fund. No investment management fees shall be
charged for investing in other schemes of the fund or in the schemes of any other Mutual Fund.
• The fund shall get the securities purchased or transferred in the name of the fund on account of the
concerned Scheme, wherever investments are intended to be of a long-term nature.
• The fund may 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. The fund may
engage in short selling of securities in accordance with the framework relating to short selling ad
securities lending and borrowing specified by the Board from time to time. Further the Mutual Fund
Page 20
shall enter into derivative transactions on a recognised stock exchange for the purpose of trading,
hedging and portfolio balancing in accordance with the guidelines issued by SEBI.
• Pending deployment of the corpus of the Scheme in securities in terms of investment objective, the
Fund can invest the corpus of the Scheme in short term deposits of scheduled commercial banks in
accordance with the guidelines issued by SEBI. Asset Management Company (AMC) shall not charge
investment management and advisory fees for parking of funds in short term deposits of scheduled
commercial banks in case of liquid and debt oriented schemes.
• Scheme shall not invest more than 10% of the net assets in short term deposit(s), of any one
scheduled commercial bank including its subsidiaries.
• Scheme shall not invest in short term deposit of a bank, which has invested in that scheme
• The scheme shall not make any investment in:
− Any unlisted security of an associate or group company of the Sponsor; or
− Any security issued by way of private placement by an associate or group company of the
Sponsor; or
− The listed securities of group companies of the Sponsor, which is in excess of 25% of the net
assets of the Scheme of the Mutual Fund.
• 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.
• The entire Scheme’s investments will be in transferable securities (whether in capital markets or
money markets) or in privately placed debentures or securitised debt, or bank deposits (pending
deployment in securities in line with the investment objectives of the scheme) or in money at call.
• No mutual fund scheme shall invest more than 10 per cent of its NAV in the equity shares or equity
related instruments of any company. Provided that, the limit of 10 per cent shall not be applicable for
investments in case of index fund or sector or industry specific scheme
• The scheme shall not invest more than 5% of its NAV in the unlisted equity shares or equity related
instruments in case of open ended scheme.
• Debentures, irrespective of any residual maturity period (above or below 1 year), shall attract the
investment restrictions as applicable for debt instruments as specified under Clause 1 and 1A of the
Seventh Schedule to the Regulations or as may be specified by SEBI from time to time.
• No loans for any purpose shall be advanced by the Scheme.
• The Fund may lend securities in accordance with the stock lending scheme of SEBI.
• The Scheme shall not invest in a fund of funds scheme.
• The Scheme will comply with any other regulations applicable to the investments of mutual funds
from time to time.
The Trustees may alter the above restrictions from time to time to the extent that changes in the
Regulations may allow and as deemed fit in the general interest of the unit holders.
These investment restrictions shall in the ordinary course apply as at the date of the most recent
transaction or commitment to invest, and changes do not have to be effected merely because, owing to
appreciations or depreciations in value, or by reason of the receipt of any rights, bonuses or benefits in
the nature of capital or of any schemes 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, BSLAMC shall as soon
as possible take appropriate corrective action, taking into account the interests of the Unitholders
In addition, certain investment parameters (like limits on exposure to Sectors, Industries, Companies,
etc.) may be adopted internally by BSLAMC, and amended from time to time, to ensure appropriate
diversification / security for the Fund. The Trustee Company / BSLAMC may alter these above stated
limitations from time to time, and also to the extent the SEBI (Mutual Funds) Regulations, 1996 change,
so as to permit the Schemes to make its investments in the full spectrum of permitted investments for
Mutual Fundss to achieve its investment objective. As such all investments of the Schemes will be made
in accordance with SEBI (Mutual Funds) Regulations, 1996, including Schedule VII thereof.
In addition to the above Regulatory restrictions, the scheme would follow the following norms:
• The fixed income component of the Scheme shall be invested only in Government of India Securities
(G-Secs) and/or other fixed income instruments rated AAA/AAA (so) by CRISIL.
Page 21
• Prior approval shall be obtained from CRISIL before investing in any non-CRISIL rated fixed income
security.
• The AMC shall provide adequate information on such companies that are not rated by CRISIL to
enable CRISIL to take an implicit rating view. If any fixed income security gets downgraded during the
tenure of the scheme, the AMC will ensure that the credit quality of the fixed income portfolio should
be equivalent to AAAf (the rating definition of AAAf is as follows – The fund’s portfolio holdings
provide very strong protection against losses from credit defaults). If otherwise CRISIL will analyze
the protection available from the debt and equity holdings of the scheme at that time, to decide
whether the rating of AAA(so) on the capital protected fund can be maintained.
• The scheme shall not invest in securitized instruments, other than single loan sell downs.
• No securities lending transactions would be engaged in
• While selecting the fixed income securities for the debt component, the Scheme shall as far as
possible invest in securities with maturity within 30 days prior to the date of the scheme’s redemption.
In no circumstances the scheme shall invest in fixed income securities with maturities beyond the
scheme’s redemption date
• While selecting fixed income securities for the debt portfolio, as far as possible, the scheme shall
invest in securities with a one time bullet payments of principal at maturity to minimize reinvestment
risks.
• The scheme shall not invest in securities with early call or put options
• The scheme shall follow a passive investment strategy for the fixed income component of the
Scheme. Active trading in debt instruments can be done only if the additional yield on the new
instruments, with the same tenor as the original instrument, more than compensates for the impact
cost incurred on selling the original security.
• Exposures to counterparties will be only to CRISIL approved entities.
• No investment in either debt or equity of a single issuer shall comprise more than 15% of the total
fund size of the Scheme.
• Exposures to derivative instruments shall be such that the notional value of such exposures together
with the investments in equities will not exceed the allocation of the corpus towards equity
investments at any point of time.
J. SCHEME PERFORMANCE
This scheme is a new scheme and does not have any performance track record.
Page 22
Section III - UNITS AND OFFER

This Section provides details you need to know for investing in the scheme
A. NEW FUND OFFER

New Fund Offer Period NFO opens on: February 05, 2010
NFO closes on: March 05, 2010
This is the period during which The subscription list may be closed earlier by giving at least one day’s
a new scheme sells its units to notice in one daily newspaper. The Trustee reserves the right to extend
the investors. the closing date of the New Fund Offer Period, subject to the condition
that the subscription list of the New Fund Offer Period shall not be kept
open for more than 45 days.
New Fund Offer Price The New Fund Offer price of Units of the scheme will be Rs.10 per Unit.
This is the price per unit that

the investors have to pay to
invest during the NFO.
Minimum Amount for Minimum of Rs. 5,000/- and in multiples of Re. 10/- thereafter during the
Application in the NFO New Fund Offer period
Minimum Target amount The minimum subscription (target) amount under the Scheme shall be
This is the minimum amount Rs. 10,00,00,000/- during the New Fund Offer Period. Therefore,
required to operate the subject to the applications being in accordance with the terms of this
scheme and if this is not offer, full and firm allotment will be made to the Unit holders
collected during the NFO
period, then all the investors
would be refunded the amount
invested without any return.
However, if AMC fails to refund
the amount within 6 weeks,
interest as specified by SEBI
(currently 15% p.a.) will be
paid to the investors from the
expiry of six weeks from the
date of closure of the
subscription period
Maximum amount to be N.A.
raised
(if any)
Plans / Options offered The scheme shall have Growth Option only.
Growth Option
Under this option, no dividends will be declared. The income
attributable to units under this option will continue to remain invested
and will be reflected in the NAV of the units
Dividend Policy N.A.
Allotment All Applicants whose cheques towards purchase of Units have been
realised will receive a full and firm allotment of Units, provided that the
applications are complete in all respects and are found to be in order.
The Trustee retains the sole and absolute discretion to reject any
application.The process of allotment of Units and mailing of account
statements reflecting the allotments will be completed within 30 days
from the date of closure of the New Fund Offer Period.An Account
Statement reflecting the number of Units allotted will be dispatched
within 10 Business Days to the Unit holder. For further details please
refer Section on Account Statements under Ongoing offer details
Units in fractions
The Units will be computed and accounted for up to whole numbers
(complete integers) only and no fractional units will be allotted. If any
Page 23
fractional units are calculated as a result of the application

money/switch units received from the investors not in multiple of Rs.10/-
, the Units would be allotted to the extent of whole numbers (complete
integers) only and the excess of application money/units corresponding
to the fractional Units shall be refunded to the investor.
Refund If application is rejected, full amount will be refunded within 6 weeks of
closure of NFO. If refunded later than 6 weeks, interest @ 15% p.a. for
delay period will be paid and charged to the AMC.
Who can invest The following persons are eligible and may apply for subscription to the
Units of the Scheme (subject, wherever relevant, to purchase of units
This is an indicative list and of mutual funds being permitted under relevant statutory regulations
you are requested to consult and their respective constitutions):
your financial advisor to 1. Resident adult individuals either singly or jointly (not exceeding
ascertain whether the scheme three) or on an Anyone or Survivor basis;
is suitable to your risk profile. 2. Karta of Hindu Undivided Family (HUF)
3. Minors through parent / legal guardian;
4. Partnership Firms;
5. Companies, Bodies Corporate, Public Sector Undertakings,
Association of Persons or bodies of individuals and societies
registered under the Societies Registration Act, 1860;
6. Banks & Financial Institutions;
7. Mutual Funds registered with SEBI;
8. Religious and Charitable Trusts, Wakfs or endowments of private
trusts (subject to receipt of necessary approvals as required) and
Private trusts authorised to invest in mutual fund schemes under
their trust deeds;
9. Non-Resident Indians / Persons of Indian origin residing abroad
(NRIs) on repatriation basis or on non-repatriation basis;
10. Foreign Institutional Investors (FIIs) registered with SEBI on
repatriation basis;
11. Army, Air Force, Navy and other para-military units and bodies
created by such institutions;
12. Scientific and Industrial Research Organisations;
13. Multilateral Funding Agencies / Bodies Corporate incorporated
outside India with the permission of Government of India / Reserve
Bank of India;
14. Other schemes of Mutual Funds subject to the conditions and limits
prescribed by SEBI Regulations;
15. Trustee, AMC or Sponsor or their associates may subscribe to
Units under the Scheme;
16. Such other individuals / institutions / body corporate etc., as may be
decided by the Mutual Fund from time to time, so long as wherever
applicable they are in conformity with SEBI Regulations.
Notes:
• Non Resident Indians and Persons of Indian Origin residing abroad
(NRIs) / 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.
• 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
Page 24
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 authorised 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.
• Returned cheques are not liable to be presented again for collection,
and the accompanying application forms are liable to be rejected. In
case the returned cheques are presented again, the necessary
charges, if any, are liable to be debited to the investor.
• A minor Unit holder, on becoming major, may inform the Registrar
about attaining majority, and provide his specimen signature duly
authenticated by his banker as well as his details of bank account
and a certified true copy of the PAN card, to enable the Registrar to
update his records and allow him to operate the account in his own
right.
• The list given above is indicative and the applicable law, if any, shall
supersede the list
• No request for withdrawal of application made during the New Fund
Offer Period will be entertained.
Where you can submit the Registrar & Transfer Agents
filled up applications Computer Age Management Services Pvt. Ltd. (CAMS)
New No.10, Old No.178, M.G.R.Salai, Nungambakkam, Chennai - 600
034.
Contact Details: 1800-425-2267
E-mail: birlasunlife@camsonline.com
Website Address:www.camsonline.com
The application forms can also be submitted at the designated offices /

ISCs of Birla Sun Life Mutual Fund as mentioned in this Scheme
Information Document.
How to Apply Please refer to the SAI and Application form for the instructions.
Listing The scheme being offered through this Scheme Information Document
is a close ended Scheme and the units offered under the Scheme will
be listed on one or more recognized stock exchanges as may be
decided by AMC within 30 days from the closure of the New Fund Offer
Period. As the units will be listed on stock exchanges, investors/
unitholders can buy / sell units on a continuous basis on the stock
exchanges during the trading hours like any other publicly traded stock
at market prices. The minimum number of Units that can be bought or
sold on the Exchange is 1 (one) unit. Unitholders who wish to trade in
units would be required to have a demat account. All investors may
buy/sell Units on the Stock Exchange on all the trading days as per the
settlement cycle of the Stock Exchange.
Although Units are to be listed on Stock Exchange, there can be no
assurance that an active secondary market will develop or be
maintained. The AMC and the Trustees will not be liable for delay in
trading of Units on Stock Exchange due to the occurrence of any event
beyond their control.
As per SEBI circular SEBI/IMD/CIR No. 12/147132/08 dated December
11, 2008 Trustees have obtained in-principle approval for listing of
schemes from National Stock Exchange of India Ltd.
Special Products / facilities Inter-Scheme Switching option
available during the NFO The Mutual Fund provides the investors the flexibility to switch their
investments (subject to provisions as regards minimum application
amount referred above) from any other open ended scheme(s) / plan (s)
or close ended scheme launched prior to December 12, 2008 offered by
the Mutual Fund to this scheme during the New Fund Offer period.
Page 25
This Option will be useful to Unit holders who wish to alter the allocation
of their investment among the open ended scheme(s) / plan(s) of the
Mutual Fund (subject to completion of lock-in period, if any, of the units
of the scheme(s) from where the units are being switched) in order to
meet their changed investment needs. The Switch will be effected by
way of a Redemption of Units from the Scheme / Plan and investment
of the Redemption proceeds in this scheme accordingly, to be effective,
the Switch must comply with the Redemption rules of the Scheme and
the issue rules of this scheme (for e.g. as to the minimum number of
Units that may be redeemed or issued, Exit / Entry Load etc). The price
at which the Units will be Switched out of the respective Plans will be
based on the Redemption Price, and the proceeds will be invested in
this scheme at the sale price for units
Subscription through Stock Exchange Platform for Mutual Funds:

Units of the scheme shall be available for subscription / purchase
through trading platform(s) made available by NSE and/or BSE during
NFO. Under this facility, trading member can facilitate eligible
investors(i.e Resident Individuals, HUF, resident minors represented by
guardian and Body corporate or such other class of eligible investors as
may be qualified as per the guidelines issued by relevant stock
exchange) to purchase / subscribe to units of the scheme using their
existing network and order collection mechanism as provided by
respective stock exchange. Investors availing of this facility shall be
alloted units in accordance with the SEBI guidelines issued from time to
time and the records of the Depository Participant shall be considered
as final for such unitholders. Investors should note that the said platform
shall not be available to the investors for purpose of trading in units of
the scheme post listing of units on NSE.The transactions carried out on
the above platform shall be subject to such guidelines as may be issued
by the respective stock exchanges and also SEBI (Mutual Funds)
Regulations, 1996 and circulars/guidelines issued thereunder from time
to time.
Automatic Switch of Redemption proceeds on Maturity (Auto

Maturity Switch)
The Mutual Fund provides the investors the flexibility to switch their
redemption proceeds receivable on maturity of the scheme to any of the
Plan/Option of Birla Sun Life Short Term Fund (BSLSTF), as may be
specified by the investor in the application form. In case the investor
fails to specify his preference as regards the Plan/Option of BSLSTF
into which the maturity proceeds are to be switched into, the default
plan/option which shall be the Retail Plan-Fortnightly Dividend
Reinvestment option under BSLSTF. This Option enables the investors
to take advantage of investment in short term debt securities through
BSLSTF on maturity of the scheme, instead of receiving the payout of
redemption proceeds. Investor can choose to avail of this facility only at
the time of making the application to subscribe to the units of the
scheme. However, investor shall have an option to alter his preference
from auto maturity switch to Payout Option by submitting a written
request, at any time during the tenure of the scheme, not later than 10
working days from the maturity of the scheme. To make the switch
effective, investor needs to hold all the units till maturity of the
scheme.This Auto switch facility shall be effected by way of a
Redemption of Units from the Scheme on its maturity and investment of
the Redemption proceeds in BSLSTF on the date of maturity (or the
next business day if date of maturity is a non-business day). The switch
shall be subject to the applicable terms and conditions of both the
switch-out scheme and switch-in scheme as regards the minimum
number of Units that may be redeemed or issued, Exit / Entry Load etc.
Page 26
The policy regarding reissue The scheme shall be listed and hence this clause is not applicable
of repurchased units,
including the maximum
extent, the manner of
reissue, the entity (the
scheme or the AMC)
involved in the same.
Restrictions, if any, on the No redemption/repurchase of units shall be allowed prior to the maturity
right to freely retain or of the scheme. Investors wishing to exit may do so through stock
dispose of units being exchange mode. Unitholders’ right to freely retain or dispose of units
offered. depend on the operations and trading activities of the Stock
Exchange(s). The trading activities on the stock exchanges and / or the
redemption of units on maturity may be restricted / affected in the
following circumstances:
1. When one or more stock exchanges or markets, 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 are 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 ISC.
7. During the period of Book Closure.
8. If so directed by SEBI.
B. ONGOING OFFER DETAILS

Ongoing Offer Period Being a close-ended Scheme, investors can subscribe to the Units of
This is the date from which the the Scheme during the New Fund Offer Period only and the scheme will
scheme will reopen for not reopen for subscriptions after the closure of NFO.
subscriptions / redemptions
after the closure of the NFO
period
Ongoing Price for Units cannot be subscribed after the closure of NFO.
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.
Example: If the applicable NAV
is Rs. 10, entry load is 2% then
sales price will be:
Rs. 10* (1+0.02) = Rs. 10.20.
Ongoing Price for Not Applicable being a close ended scheme
redemption (sale) /switch
Page 27
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.
Where can the applications Not Applicable being a close ended scheme and redemption shall not
for purchase/redemption be be allowed prior to the maturity of the scheme
submitted
Minimum amount for This been a closed ended Scheme purchases are not available on an
purchase ongoing basis.
Minimum balance to be Not applicable as no redemption / repurchase of units shall be allowed
maintained and prior to the maturity of the scheme.
consequences of non-
maintenance.
Special Facilities Available Not Applicable being a close ended scheme
Accounts Statements The AMC shall issue to the investor whose application has been
accepted, an account statement specifying the number of units
The Account Statement shall allotted within 30 days from the date of receipt of the request from
not be construed as a proof of the Unitholder.
title and is only a computer For those unitholders who have provided an e-mail address, the
generated statement indicating AMC will send the account statement by e-mail.
the details of transactions The unitholder may request for a physical account statement by
under the Scheme and is a writing/calling the AMC/ISC/R&T
non-transferable document. In case of specific request is received from investors, account
The Account Statement will be statements shall be provided to the investors within 5 working days
issued in lieu of Unit from the receipt of such request without any charges
Certificates. No Account Statements will be issued to investors opted to hold
Normally no Unit certificates
units in dematerialized mode.
will be issued. However, if the
applicant so desires, the AMC Annual Account Statement:
shall issue a non-transferable The Mutual Funds shall provide the Account Statement to the
Unit certificate to the applicant Unitholders who have not transacted during the last six months
within 30 days of the receipt of prior to the date of generation of account statements. The
request for the certificate. Unit Account Statement shall reflect the latest closing balance and value
certificate if issued must be of the Units prior to the date of generation of the account
duly discharged by the Unit statement.
holder(s) and surrendered The account statements in such cases may be generated and
alongwith the request for issued along with the Portfolio Statement or Annual Report of the
Redemption/ Switch or any Scheme.
other transaction of Units Alternately, soft copy of the account statements shall be mailed to
covered therein. the investors’ e-mail address, instead of physical statement, if so
mandated
Redemption No redemption/repurchase of units shall be allowed prior to the maturity
of the scheme. Investors wishing to exit may do so through stock
exchange mode
On maturity of the scheme, the outstanding Units shall be redeemed
and proceeds will be paid to such Unitholders, whose names appear in
the Statement of Beneficiary Position as may be received from the
Depositories on the record date or in the records of unitholders
maintained by Registrar and Transfer Agent with respect to unitholders
Page 28
holding units in physical form.

In case the Units are held in the names of more than one Unit holder,
the Redemption proceeds will be paid only to the first named holder
In case of the Units on which any lien or encumbrance is marked and
such lien or encumbrance is subsisting on the date of maturity, the
Unitholder will be required to procure a release of their
lien/encumbrance pending which, the maturity proceeds will not be
paid. The Unitholder shall not be entitled for any interest or
compensation for any delayed or non -payment of the maturity
proceeds till such time the Unitholder provides proof of the release of
the lien/encumbrance to the satisfaction of the Mutual Fund.
In case the maturity date falls on a non -business day or if the banks /
stock exchanges / Depositories remain closed on account of strike or
any other unforeseen reason on the maturity Date, then the Scheme
will mature and the Units will be redeemed on the next business day.
Bank Details: In order to protect the interest of investors from

fraudulent encashment of cheques, the current SEBI Regulations have
made it mandatory for investors to mention in their application /
Redemption request, the bank name and account number. Applications
without these details will be rejected.
Delay in payment of The Asset Management Company shall be liable to pay interest to the
redemption / repurchase unitholders at such rate as may be specified by SEBI for the period of
proceeds such delay (presently @ 15% per annum)
Transfer Facility On listing, the Units of the scheme held in dematerialized form would
be transferable. Transfers should be only in favour of transferees who
are eligible for holding Units under the Scheme. The AMC shall not be
bound to recognise any other transfer. For effecting the transfer of Units
held in electronic form, the Unitholders would be required to lodge
delivery instructions for transfer of Units 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 may be in force
governing transfer of securities in dematerialised mode.
If a person becomes a holder of the Units consequent to operation of
law, or upon enforcement of a pledge, the Fund will, subject to
production of satisfactory evidence, effect the transfer, if the transferee
is otherwise eligible to hold the Units. Similarly, in cases of transfers
taking place consequent to death, insolvency etc., the transferee’s
name will be recorded by the Fund subject to production of satisfactory
evidence
C. PERIODIC DISCLOSURES
Net Asset Value The AMC will calculate and disclose the first NAVs of the scheme not
This is the value per unit of the later than 30 days from the closure of New Fund Offer Period. NAVs will
scheme on a particular day. be calculated up to four decimal places.The Mutual Fund shall declare
You can ascertain the value of the Net asset value of the scheme on every business day on AMFI’s
your investments by multiplying website www.amfiindia.com by 9.00 p.m. on the day of declaration of
the NAV with your unit the NAV and also on their website. In case of any delay, the reasons for
balance. such delay would be explained to AMFI and SEBI by the next day. If the
NAVs are not available before commencement of business hours on
the following day due to any reason, Mutual Fund shall issue a press
release providing reasons and explaining when the Mutual Fund would
be able to publish the NAVs The NAV shall be published at least in two
daily newspapers every day
Half yearly Disclosures: The mutual fund shall publish a complete statement of the scheme
Portfolio / Financial Results portfolio and the unaudited financial results, within one month from the
This is a list of securities where close of each half year (i.e. 31st March and 30th September), by way of
Page 29
the corpus of the scheme is an advertisement at least, in one National English daily and one
currently invested. The market regional newspaper in the language of the region where the head office
value of these investments is of the mutual fund is located.
also stated in portfolio
disclosures.
Half Yearly Results The mutual fund and Asset Management Company shall before the
expiry of one month from the close of each half year that is on 31st
March and on 30th September, publish its unaudited financial results in
one national English daily newspaper and in a regional newspaper
published in the language of the region where the Head Office of the
mutual fund is situated.
Annual Report The Scheme wise annual report or an abridged summary thereof shall
be mailed to all Unit holders not later than four months from the date of
closure of the relevant accounting year and full annual report shall be
available for inspection at the Head Office of the Mutual Fund and a
copy shall be made available to the Unit holders on request on payment
of nominal fees, if any. Investor who has provided his/her email address
in the application form or any subsequent communication in any of the
folio belonging to the investor, Birla Sun Life Mutual Fund (BSLMF)
reserves the right to use Electronic Mail (email) as a default mode for
sending various statutory communications to the investor.
Associate Transactions Please refer to Statement of Additional Information (SAI).
Taxation For details on taxation please refer to the clause on Taxation in the SAI.
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.
Investor services Investors may contact the ISCs or the office of the AMC for any queries
/clarifications. The Head Office of the AMC will follow up with the
respective ISC to ensure timely redressal and prompt investor services.
Ms. Molly Kapoor, Head- Investor Services can be contacted at the
office of the AMC at One India Bulls Centre, Tower 1, 17th Floor,
Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road,
Mumbai - 400013. Telephone nos. (022) 43568008. Email:
connect@birlasunlife.com
D. COMPUTATION OF NET ASSET VALUE

The Net Asset Value (NAV) per Unit of the scheme will be computed by dividing the net assets of the
scheme by the number of Units outstanding under the scheme on the valuation date. The Mutual Fund
will value its investments according to the valuation norms, as specified in Schedule VIII of the SEBI
Regulations, or such norms as may be specified by SEBI from time to time
NAV of Units under the scheme shall be calculated as shown below:
Market or Fair Value of the scheme’s Investments
+ Current Assets (including accrued income)
- Current Liabilities and Provisions (including accrued expenses)
NAV (Rs) per Unit = ————————————————————————————
No. of Units outstanding under the scheme
The AMC will calculate and disclose the NAV of the scheme on a daily basis. The NAVs of the Scheme
will be calculated upto 4 decimals
Page 30
Section IV – FEES AND EXPENSES

This section outlines the expenses that will be charged to the schemes
A. NEW FUND OFFER 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.
All the initial issue expenses of the Scheme shall be borne by the AMC.
The entire amount subscribed by the investor in the scheme during the New Fund Offer will be available
to the scheme for investments
B. 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:
As per the SEBI Regulations, the maximum recurring expenses including the investment management
and advisory fee that can be charged to the Scheme shall be subject to a percentage limit of average
weekly net assets as given in the table below. Subject to the SEBI Regulations and this Document,
expenses over and above the prescribed ceiling will be borne by the AMC.
First Rs. 100 Crores Next Rs. 300 Crores Next Rs. 300 Crores Balance Assets
2.50% 2.25% 2.00% 1.75%
As per the SEBI Regulations, the AMC is entitled to an Investment Management and Advisory fee at the
rate of 1.25% per annum of the weekly average net assets outstanding in each accounting year for the
Scheme(s), as long as the net assets do not exceed Rs. 100 crore and 1.00% of the excess amount over
Rs. 100 crore, where net assets so calculated exceed Rs. 100 crore.
The asset management company is entitled to collect an additional management fee not exceeding 1% of
the weekly average net assets outstanding in each financial year, for Schemes on no load basis.
However, the total investment management fees shall be within the overall limits of recurring expenses
allowed under the regulations.
However the AMC has estimated the expenses under the Scheme as per the table below
(% per annum of average weekly net assets)
Expense Head Birla Sun Life Capital Protection
Oriented Fund–Series 1
Investment Management and Advisory Fee 1.25%
Marketing & Selling expenses including agents commission 0.60%
Registrar & Transfer Agent Fees 0.05%
Such other expenses, which are directly attributable to the Scheme, 0.35%
including initial and annual listing and depositories fees / charges
Total estimated recurring expenses 2.25%
These estimates have been made in good faith by the AMC and are subject to change inter se. The
expenses under any head may be more or less than as specified in the table above, but the total
recurring expenses that can be charged to the scheme will be subject to limits prescribed from time to
time under the SEBI Regulations. The purpose of the above table is to assist the investor in
understanding the various costs and expenses that an investor in the Scheme(s) will bear directly or
indirectly. Expenses over and above the limits prescribed under the SEBI Regulations shall be borne by
the AMC
Page 31
C. LOAD STRUCTURE
Load is an amount that 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. Load amounts are variable and are subject to change from time to time.
For the current applicable structure, please refer to the website of the AMC (www.birlasunlife.com) or may
call at 1-800-22-7000/1-800-270-7000 or your distributor.
Type of Load Load Chargeable (as %age of NAV)

Entry Load Nil
Exit Load Nil
No redemption/repurchase of units shall be allowed prior to the maturity of the scheme.
Investors wishing to exit may do so through stock exchange mode
In terms of SEBI circular no. SEBI/IMD/CIR No.4/ 168230/09 dated June 30, 2009, no entry load will be
charged by the Scheme to the investor effective August 1, 2009. Upfront commission shall be paid
directly by the investor to the AMFI registered Distributors based on the investors’ assessment of various
factors including the service rendered by the distributor.
Exit load/ CDSC (if any) up to 1% of the redemption value charged to the unit holder by the Fund on
redemption of units shall be retained by the schemes in a separate account and will be utilized for
payment of commissions to the ARN Holder and to meet other marketing and selling expenses.
Any imposition or enhancement of Load in future as may be permitted under SEBI Regulation shall be
applicable on prospective investments only. At the time of changing the Load Structure following
measures would be untaken to avoid complaints from investors about investment in the schemes without
knowing the loads:
I. The addendum detailing the changes would be attached to Scheme Information Document and Key
Information Document. The addendum will be circulated to all the distributors / brokers so that the
same can be attached to all Scheme Information Documents and Key Information Documents already
in stock.
II. Arrangements will 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 alongwith the details would be stamped in the acknowledgement slip
issued to the investors on submission of the application form and would also be disclosed in the
statement of accounts issued after the introduction of such load.
IV. A public notice would be given in respect of such changes in one English daily newpapers having
nationwide circulation as well as in a newspaper publish in the launguage of region where the head
office of the mutual fund is situated.
V. Any other measure which the AMC/Mutual Fund may feel necessary.
The investor is requested to check the prevailing load structure of the scheme before investing.
For any change in load structure AMC will issue an addendum and display it on the website/Investor
Service Centres.
D. WAIVER OF LOAD FOR DIRECT APPLICATIONS

Not Applicable
Section V - RIGHTS OF UNITHOLDERS

Please refer to SAI for details.
Page 32
Section 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
1. 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.
NIL
2. In case of Indian Sponsor(s), details of all monetary penalties imposed and/ or action taken
during the last three years or pending with any financial regulatory body or governmental
authority, against Sponsor(s) and/ or the AMC and/ or the Board of Trustees /Trustee
Company; for irregularities or for violations in 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.
a. SEBI has imposed a penalty of Rs. 75,000/- on Birla Sun Life Mutual Fund for non-compliance of
disclosure requirements under Regulation 7(1) and (2) of SEBI (Substantial Acquisition of Shares
and Takeovers) Regulations, 1997 pursuant to the acquisition of 1,61,200 shares (representing
5.01%of the paid up capital) of Subex Systems Ltd. on October 18, 1999 by the schemes of Birla
Sun Life Mutual Fund.
b. SEBI issued a letter to the erstwhile Birla Global Finance Limited (BGFL) now amalgamated with
ABNL alleging violation of Regulation 6(2) of the Takeover Code in the year 1997 and the
Company has agreed to settle the same by settlement consent order. SEBI had introduced a
Regularization Scheme, 2002 (the “Scheme”) for non-compliance with Regulation 6 & 8 of the
Securities and Exchange Board of India (Substantial Acquisition of Shares and Takeovers)
Regulations, 1997 in the year 2002-03 and BGFL did not avail of the Scheme. SEBI vide its letter
dated July 21, 2004 imposed a penalty on BGFL under section 15A of SEBI Act, 1992 and also
informed BGFL that they were liable for prosecution under section 24 of the SEBI Act, 1992. SEBI
also decided to consider the request of BGFL for consent order if BGFL was willing to pay a
penalty of Rs. 25,000. BGFL vide its letter dated August 19, 2004 consented to pay the penalty
and was also willing to waive their right to a hearing under rule 4(5) of SEBI (Procedure for
Holding Inquiries and Importing of Penalties by Adjudicating Officer) Rules, 1995.In this regard
Final Order is awaited from SEBI.
c. SEBI issued a notice to Birla Sun Life Asset Management Company Limited (BSL AMC) on June
4, 2008 and initiated proceedings under Rule 4(3) of SEBI (Procedure for Holding Inquiry and
Imposing Penalties by Adjudicating Officer) Rules, 1995 alleging non compliance of regulation
28(1) of SEBI (Mutual Fund) Regulations, 1996. Pending adjudication proceedings, BSL AMC
filed an application for passing of Consent Order in terms of SEBI Circular No. EFD/ED/Cir-
1/2007 dated April 20 2007. The consent terms proposed by BSL AMC were placed before the
High Powered Advisory Committee (HPAC) and HPAC recommended the case for settlement.
BSL AMC remitted a sum of Rs. 1,25,000/- towards the terms of consent in the matter. SEBI vide
its order dated May 18, 2009 has disposed the pending adjudication proceedings against BSL
AMC and the matter stands settled.
d. SEBI had issued a show cause notice dated August 3, 2009 pertaining to an advertisement
issued in respect of a scheme of Birla Sun Life Mutual Fund. The company has responded to the
said notice and subsequently personal hearing was held. SEBI response in this regard is awaited
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
Page 33
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.
a. SEBI issued a letter to the erstwhile Birla Global Finance Limited (BGFL) now amalgamated with
Aditya Birla Nuvo Ltd. (ABNL) alleging violation of Regulation 6(2) of Takeover Regulations in the
year 1997. SEBI vide its letter dated July 21, 2004 imposed a penalty on BGFL under section 15A
of SEBI Act, 1992 SEBI also decided to consider the request of BGFL for consent order if BGFL
was willing to pay a penalty of Rs. 0.025 million. BGFL vide its letter dated August 19, 2004
consented to pay the penalty and agreed to waive their right to a hearing under rule 4(5) of SEBI
(Procedure for Holding Inquiries and Importing of Penalties by Adjudicating Officer) Rules, 1995.
The matter is currently pending.
b. BGFL, (now ABNL) sanctioned a credit facility of Rs. 50 million to one Mr. Manoj Seksaria and to
secure the said facility the borrower executed a loan cum pledge agreement in favour of BGFL by
which 36500 shares of Reliance Industries were pledged to BGFL. BGFL at the borrowers
request invoked the pledge and sold the shares through its broker to settle its loan, interest and
other dues without being aware about the ex-parte interim order passed by SEBI in respect of the
irregularity in IDFC-IPO case under, wherein the borrower was directed not to buy, sell or deal in
the security market. Subsequently, ABNL received a show cause notice dated April 21, 2008 from
the Adjudicating Officer, SEBI, alleging contravention and penalty under Section 15HB of the
SEBI Act. On July 2, 2008, ABNL has filed an Application before SEBI to obtain Consent Order.
As per the terms of settlement ABNL paid Rs. 20,000/- towards settlement charges and SEBI
passed consent order no. AO/BS/39/2008 dated 17th November, 2008.
c. Complaints before SEBI
Ramniranjan Kedia Tourism Services Private Limited (“RNK”) had issued three letters dated
October 10, 2006, October 13, 2006 and October 30, 2006, inter alia to SEBI alleging that there
were certain proceedings involving RNK which were not included in the draft letter of offer filed
with SEBI. ABNL filed replies with SEBI providing its response to the allegations made by RNK.
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.
a. Sun Life Financial Inc. (SLF Inc.) and its subsidiaries are regularly involved in legal actions, both
as a defendant and as a plaintiff. Management does not believe that the conclusion of any
current legal matters, either individually or in the aggregate, will have a material adverse effect on
SLF Inc.’s financial condition or results of operations.
b. A suit has been filed by a Bank before the Hon’ble High Court of Mumbai, against an investor
holding units of mutual fund in the schemes of BSLMF on which lien has been marked in favour
of the said bank. BSLAMC has also been made one of the parties in the said suit. The said bank
has inter alia sought an injunction restraining the investor from encumbering, redeeming or in any
manner disposing off the said units and also restraining BSLAMC from releasing the lien marked
on the said units.
c. An Investor, claimed monetary losses of Rs.1.06 lac from BSLAMC in a case filed before the
Hon’ble Civil Court, for an alleged delay in processing redemption request.
d. BSLAMC had taken a premises on Lease for its branch office. The Lease period was 3years,
which was thereafter renewed by 3 years and then renewed by over one year. BSLAMC paid off
all the rent/dues to the Landlord for the said period. However the Landlord claimed damages of
Rs.2.28 lacs from BSLAMC in the Hon’ble District Court, Jaipur, for not having received the
peaceful & vacant possession of the Leased Premises from BSLAMC.
e. There are cases pending before various Consumer Redressal Forums filed against the BSLAMC.
The value of the amount disputed / claimed aggregates to Rs. 7.78 lacs..
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.
Government and regulatory bodies in Canada, the United States, the United Kingdom and Asia,
including provincial and state regulatory bodies, state attorneys general, the Securities and Exchange
Commission, the Financial Industry Regulatory Authority and Canadian securities commissions, from
Page 34
time to time make inquiries and require the production of information or conduct examinations
concerning compliance by SLF Inc. and its subsidiaries with insurance, securities and other laws.
Management does not believe that the conclusion of any current regulatory matters, either individually
or in the aggregate, will have a material adverse effect on SLF Inc.’s financial condition or results of
operations.
No other cases.
The Scheme under this Scheme Information Document was approved by the Trustees on
December 10, 2009.
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 on behalf of the Board of Directors of

Birla Sun Life Asset Management Company Ltd.
Sd/-
PLACE: MUMBAI Rajiv Joshi
DATE: January 25, 2010 Compliance Officer
Page 35
The Registrar
BSLAMC has appointed Computer Age Management Services Pvt. Ltd. (CAMS) located at New No.10, Old No.178, M.G.R.Salai, Nungambakkam, Chennai-600 034 to act as Registrar and Transfer Agents (“The Registrar”) to the Schemes. The Registrar
is registered with SEBI under registration number INR 000002813.
BIRLA SUN LIFE ASSET MANAGEMENT COMPANY LTD (Branches)

Agra: Shop No. 3, Block No. 54/4, Ground Floor, Prateek Tower, Lashkar Pur City Circle, Sanjay Place, Agra - 282002 • Ahmedabad: 2nd floor , Shivalika Point , opp Abhujeet -1 Near Mithakali, Six Road Navrangpura - Ahemdabad - 380009 • Ajmer: Shop
No.5,6, Ist Floor,India Square Building, Kutchery Road,Ajmer - 305001 • Allahabad: Upper ground floor,45/1(202),MG Marg,Civil Lines,Allahabad-211001 • Alwar: Krishna Complex, Plot no 17, Tej Mandi Station Road, Alwar - 301001 • Ambala: 6351/14
NICHOLSON ROAD ABOVE ARCHIES GALLERY AMBALA CANTT-133001 HARYANA • Amravati: 1st Floor,Katri Mall, Morchi Road, Amravati - 444602 • Amritsar: Central mall, 3rd Floor, Opp ICICI Prudential, Mall Road, Amritsar - 143001 • Anand:
306-307 , Triveni Arcade , V V Nagar Road , Anand 388001 • Aurangabad: 1st Floor , Sanjivani Complex, Near Ratnaprabha Motors , Opp LIC Office, Adalat Road, Aurangabad - 431001 • Bangalore - Cunningham Road: G 206/207, H M Geneva House,
14 Cunnigham Road, Bangalore : 560052 • Bangalore - Jayanagar: #14, South end road, Basavanagudi, Next to Surana College, Bangalore-560004 • Bangalore - Malleswaram: No.1 14 A Cross 3rd Floor Sampige Road Malleshwaram, Bangalore:
560003 • Baroda: Soham Complex, 49, Alkapuri society, Ground Floor, Opp HDFC Bank Alkapuri, R C Dutt Road, Vadodara-390007 • Belgaum: 1st Floor, Beside Canara Bank, Opp. Meenaxi Bhavan,Station Road, Belgaum - 590 001 • Bharuch: 205/206,
Aditya Complex, Kasak Circle, Bharuch - 392001 • Bhavnagar: Shree Vallabh Complex,Ground Floor, G ( 1 to 3 )C,Opp Joggers Park, Waghawadi Road,Bhavnagar -364002 • Bhilai: Shop no-9 2nd floor Chauhan estate G E Road Bhilai( C.G) 490023 -Ph
no-0788-4083340 • Bhopal: 149 Kamal Tower , MP Nagar Zone 1 Bhopal - 462011 • Bhubaneswar: 77,Janpath,Kharvelnagar Bhubaneshwar-751001 • Calicut: SHOP No:110-111,First FLOOR,Calicut MalL, Stadium Junction, Puthiyara Road,Calicut--
673004 • Chandigarh: SCO : 145-146 , First Floor , Sector : 9 - C, Chandigarh - 160017 • Chennai - Adyar: No:2, 2nd Cross Street, Kasturibai Nagar, Adyar, Chennai - 600020 • Chennai - Anna Nagar: 334/4,Galaxy Appts, 2 nd Avenue, Anna Nagar,
Chennai-40 • Chennai - Madhurai: S.E.V.Grandson 1st Floor, 280-B, Good Shed Street, Madurai 625 001 • Chennai - Egmore: " Kuber", 1st Floor, 42, Pantheon Road, Egmore, Chennai - 600008 • Cochin: Casa Blanca, 2nd Floor, Opp: CITI BANK , M.G
Road ,Cochin-682 035 • Coimbatore: 723 A & B, II nd Floor, Thirumalai Towers, Avinashi Road , Coimbatore - 641018 • Dehradun: 97 India Trade Centre,Rajpur road,Adjoining hotel Madhuban,Dehradun-248001 • Delhi: C - 34, First Floor, Inner Circle,
Connought Place, New Delhi - 110001 • Dhanbad: Shop No-202 2nd Floor Shriram Plaza Bank More Dhanbad-826001 • Durgapur: City Centre City Plaza,3rd Floor Durgapur-713216 • Erode: N R Complex,1st Floor, 1B,Veerabadra Street IV, Park
Approach Road, Near Hotel Oxford, Erode-638003 • Gurgaon: 617,Galleria Commercial Complex,DLF City Phase IV, Gurgaon-122002 • Guwahati: 2nd Floor , Nezone Plaza, Christian Basti,G.S Road Guwahati -781005 • Gwalior: Alaknanada Tower ,
4th Floor, Plot no 45 A , City center , Gwalior - 474001 • Hubli: 15, Upper Ground Floor, Vivekanand Corner, Desai Cross, HUBLI–580029 • Hyderabad - Abids: 102 1st floor, Oasis Plaza, D.No:4-1-898, Tilak Road, Abids, Hyderabad - 500001 • Indore: 405
City Centre 570 M G Road , Indore 452001 • Jabalpur: Mangalam 2nd Floor , Shastri ridge Road,Napier Town Jabalpur - 482001 • Jaipur: 204, 2nd Floor, Ganpati Plaza,M.I Road, Jaipur 302001 • Jalandhar: 210, 2nd Floor, Grand Mall,Jalandhar-144001 •
Jammu: TRG Building, 5th Floor, Gandhi Nagar, Behind Baahu Plaza, Jammu - 180004 • Jamnagar: 209, Madhav Darshan Complex, Lal Bunglow Road Jamnagar - 361001 • Jamshedpur: 4/1,4th floor Aditya Towers Bistupur,Opp Bistupur Police
Station,Bistupur-831001 -Jamshedpur • Jodhpur: KK.Plaza II nd Floor, Sardarpura Ist B Road, Jodhpur (Raj.) 342003 • Kanpur: 114/113,Kan chambers,office No. 103-106,Civil Lines,Kanpur-208001 • Kolhapur: Shop No. S-1a , ' E ' Ward , CTS No.264/k
, Tarabai Park, Kolhapur - 416003. • Kolkata: First Floor,New BK Market, 16 A, Shakespeare Sarani, Kolkatta - 700071 • Kota: 390 2nd Floor,Shopping Centre,Near Ghodawala Baba Chauraha, Kota-324004 (Raj.) • Lucknow: 103-B,1st Floor,Shalimar
Square,Lalbagh,Lucknow-226001 • Ludhiana: SCO-2,Ground Floor,ABC Building,Feroze Gandhi Market, Ludhiana-141001 • Mandi Gobindgarh: Ward No. 11, Post Office Road, Near State Bank of India, Mandi Gobindgarh – 147301 • Mangalore: 6th
Floor, Essel Towers, Bunds Hostel Circle, Mangalore - 575003 • Margao: Ground Floor,Shop No.7 & 8, Colaco Building,Abade Faria Road,Margao-Goa,403601 • Mathura: Sangam Complex, 1st Flr., Krishna Nagar Chowk, Gobardhan Road, Mathura –
281004 • Meerut: Unit 103,Om plaza,opposite Ganga Plazxa,Begum bridge road,Merrut - 25001 • Mehasana: Gr. Floor, Shop no G (1 to 3), C, Shri Vallabh Complex, Bhavnagar, Gujarat-364002 • Moradabad: Near Hotel Rajmahal,Infront of Dr P K
Das,Civil Lines,Moradabad-244001 • Mumbai - Borivali: Victory Park, A/405, Roshan Nagar, Chandavarker Lane, Borivali (W), Mumbai -400092 • Mumbai - Ghatkopar: 506-507, 5th Floor, Kailas Plaza, Vallabhbaug Lane, Ghatkopar, Mumbai - 400077 •
Mumbai (IH): Industry House, 1st Floor, Churchgate Reclamation, Mumbai 400 020 • Mumbai (IB): One India Bulls Centre, Tower 1, 17th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai- 400013. • Mysore: No. 442-
443, Laxman Plaza, Chamraja Double Road, Near Ramaswamy Circle, Mysore -570024 • Nagpur: 1st Floor, Kapish House Appartments,282, Mata Mandir Road, Near Khare Town, Dharampeth, Nagpur - 440 010 • Nasik: Shop no 1, Samruddhi
Residency, Opp Hotel City Pride, Tilakwadi, Nasik – 422002. • Noida: N-22,Ist Floor, Sector-18,Noida 201301 • Panipat: N.K Tower,Office no -1, Second Floor,G.T Road, Panipat-132103 • Panjim: 1st Floor, Ashok-Samrat Complex, Above Vishal Mega
Mart, Off. 18th June Road, Panaji, Goa- 403001 • Patiala: 1- SCO 88, 1st Floor, New Leela Bhawan Market,Tehsil & District Patiala, Patiala - 147001 • Patna: Ground Floor, Konark Share Building,Behind RBI, Exhibition Road, Patna - 800 001. •
Pondicherry: 116 1st floor, Jayalxmi Complex, Thiruvalluvar Salai, Pondicherry - 605013 • Pune (Bhandarkar Rd): Shop No.A5/1, Ground Floor, Near Millennium Tower, Bhandarkar Institute Rd, Deccan Gymkhana, Shivajinagar, Pune-411004. • Pune
(Main): Kapil Towers, 'C' Wing, 1st Floor, Near Sangam Bridge, R.T.O., Dr. Ambedkar Rd., Pune - 411001. • Pune (Pimpri): A-17,Empire Estate,Near Ranka Jewellers, Pimpri Branch, Pune-411019. • Raipur: 2nd Floor Chawla Complex Devandra Nagar
Road Sai Nagar,Raipur -492001 • Rajkot: 915- Star Plaza,Full chap chowk,Rajkot-360001 • Ranchi: 2nd floor Liya complex P.P compound Ranchi-834001 • Rourkela: 1st Floor, Aditya Ventures, Holding No.72, Udit Nagar, Opp: Court, Rourkela - 769012.
• Salem: No4,Anura Complex, Omalur Main Road, Angammal Colony entrance, Salem - 636009 • Shimla: Sood Complex, Opposite Mela Ram Petrol Pump, Tara Hall, Circular Road, Shimla - 171003 • Siliguri: Ganpati Plaza 2nd floor,Near File Cineme
hall,Sevoke Road Siliguri-734001 • Surat: M – 8 & 9 Mezzanine Floor,Jolly Plaza, Athwa Gate,Surat - 395001 • Thane: Konark Tower Ground Floor, Shop 13 - 15, Ghantali Road, Thane (W), Thane - 400602 • Trichy: 19/1 1ST Floor Kingstone Park,
Ramalinganagar Puthur High Road, Woraiyur,Trichy_620017 • Trivandrum: 3rd,Floor,Kailas Plaza,Pattom,Trivandrum - 695 004 • Udaipur: 209-210 Daulat Chambers,4-D Sardarpura 2nd Floor,Udaipur-313001 (Raj.) • Valsad: 103, Amar Chambers, Nr
ICICI Bank, Opp. Lal School, Station Road, Valsad - 396001 • Vapi: 145-146 Tirupati Plaza Chala Road, VAPI 396191. • Varanasi: Arihant Complex,3rd Floor,D-9/127 C-4,Sigra,Varanasi-221002 • Vashi: Arneja Corner, 217, 2nd Flr., New Mumbai 400705
• Vijayawada: K.P.Towers, 40-1-52/6 , Birla Sun Life Insurance, Acharya Ranga Nagar , vijaywada -520010 • Vishakapatnam: 1st Floor , B-2,Pavan Palace,Opp T.S.R.Complex,Dawarkanagar, Vishakapatnam -530016.
In addition to the above, CAMS, Registrar & Transfer Agents to Birla Sun Life Mutual Fund will be the official point of acceptance for all online / electronic transactions by investors who have subscribed to the Online Transaction Facility offered by Birla Sun
Life Asset Management Company Ltd (BSLAMC). The investors can undertake purchase(including switch-in) transactions and avail of such other online facilities as may be provided by BSLAMC from time to time through its official website -
www.birlasunlife.com, which is the official point of acceptance for electronic transactions and through other secured internet sites of specified banks, financial institutions, etc. with whom BSLAMC has entered or may enter into specific arrangements for
providing online facility. Secured internet sites operated by CAMS will also be official point of acceptance.
NFO COLLECTION CENTRES

HDFC BANK
Agra: Shop No F3, F3-a 1st Floor, Friend's Plaza, Sanjay Place, Agra 282 002. • Ahmedabad: Astral Building, Next To Hdfc House Opposite Reliance General Insurance Building, Near Mithakhali Six Roads , Navrangpura 380 009. • Ahmednagar: Amber
Plaza, Station Road, Opp. Adcc Bank, Sahakar Gruh, Ahmednagar 414 001. • Ajmer: Amc No - 13/10 & 14/10 Near Suchma Kendra, Adajcent To Swami Complex Ajmer 305 001. • Akola: Sethi Heights, Opp To Collector Office Z P Road Akola 444 001. •
Aligarh: 3-316 Ramghat Road Near Devi Tray Hospital Aligarh 202 001. • Allahabad: 2nd Floor, Above Honda Showroom 58, Sardar Patel Marg, Civil Lines Allahabad 211 001. • Alwar: Bhagat Singh Circle, Road No 2, Alwar 301 001. • Ambala: Shingar
Palace Complex, Nicholson Road, Ambala Cantt 133 001. • Amravati: C/o Rasik Plaza, Jaistambh Chowk Morshi Road Amravati 444 601. • Amreli: 2 Manekpura Station Road Amreli 365 601. • Amritsar: 1st Floor, 26 Kennedy Avenue Court Road
Amritsar 143 001. • Anand: 1st Floor, Sanket Towers Opp Anand Arts College, Grid Road Anand 388 001. • Ankleshwar: Commercial Plot - 73 / P, Gidc Estate, S A Motors Building Ankleshwar 395 002. • Asansol: Cms Dept P C Chatterjee Market, G.t
Road, Rambhandu Tala Asansol 713 303. • Aurangabad: Shivani Chambers Manjeet Nagar, Jalna Road, Opp Akashwani Aurangabad 431 001. • Bagalkot: Cts No 121, B.s No 39 Ward X, Opposite Railway Station Bagalkot 587 102. • Balasore: C/o
Bharat Motors F.m Circle Balasore 756 001. • Bangalore: No 8 / 24 Salco Centre Richmond Road Bangalore 560 025. • Bardoli: Shree Ambika Niketan Temple Shree Ambika Niketan Temple Bardoli 394 601. • Barielly: 154, First Floor Krishna Palace
Civil Lines Opp Dm's Residence Bareilly 243 001. • Baroda: 5th Floor , Midway Heights Next To Panchmukhi Hanuman Temple , Lokmanya Tilak Road ,kirti Mandir ,near Kala Ghoda , Raopura Baroda - 390 001 Baroda 390 001. • Batala: Scf 173-174
Jalandhar Road Batala 143 505. • Begusarai: Kachari Chowk Begusarai 851 101. • Belgaum: 3 Rd Floor, Khimjibhai Complex Belgaum 590 006. • Bhagalpur: Khalifa Bagh Chowk, Triveni Apartments, Dr R P Road Bhagalpur 812 002. • Bharuch: Near
Octroi Naka Link Road Near Octroi Naka, Link Road Bharuch 392 001.• Bhatinda: 83/1, 1st Floor, Civil Lines Liberty Chowk Guru Kanshi Marg Bhatinda - 151 001, Punjab Bhatinda 151 001. • Bhavnagar: 1st Floor, Gopi Arcade Opp Takhteshwar Post
Office , Waghawadi Road Bhavnagar 364 001. • Bhilai: Chauhan Estate G.e Road, Supela Bhilai 490 023. • Bhilwara: 2-3-4, S.k Plaza Complex Pur Road Bhilwara 311 001. • Bhiwadi: Sp 54 Ashiana Arcade Riico Industrial Area Bhiwadi 301 019. •
Bhiwani: S 175 D Meham Chowk Bhiwani 127 201. • Bhopal: Service Branch, 1st Floor, Z-1, Zone 1 M P Nagar Bhopal 462 011. • Bhubaneshwar: Business Park First Floor, C111, Saheednagar Bhubaneshwar 751 007. • Bhuj: 101 & 102 Sunrise Tower
11 - Vijaynagar Society, Hospital Road Bhuj 370 001. • Bhusaval: Mansingh Complex, C.t.s No 3294 H No 4 / 285, Jamner Road, Opposite Csm Complex Bhusaval 425 201. • Bikaner: Roshan Plaza Rani Bazar Bikaner 334 001. • Bilaspur A: 99 Link Road
Near Agrasen Chowk, Bilaspur C.g Bilaspur 495 001. • Bokaro: B-9 City Centre , Sector Iv B - 9 , City Center , Sector Iv , Bokaro Steel City Bokaro 827 004. • Burdwan: 45 G.t Road Birhata Burdwan 713 001. • Calicut: 3rd Floor, Simax Tower Kannur Road,
Nadakkavu Calicut 673 013. • Chandigarh: Sco 371 / 372 Sector 35 - B Chandigarh 160 034. • Changanacherry: Cms Dept, Golden Tower Golden Tower, M C Road, Vezhakattiuchira Changanacherry 686 101. • Chengannur: Govt Hospital Junction
Chengannur 689 121. • Chennai: Mariam Centre, Ground Floor 751 B, Anna Salai Chennai 600 002. • Cochin: 1st Floor, Sl Plaza Palarivattom Cochin 682 025. • Coimbatore: 1635 Classic Tower Trichy Road Coimbatore 641 018. • Cuddapah: 72 - 1a,
Dwarka Nagar Beside Sandhya Theatre, Nagaraju, Palli Village Cuddapah 516 001. • Curchorem: Cms Dept Mopkar Chamunda, Ground Floor, Near Post Office, Curchorem - Sanguem Road Curchorem 403 706. • Cuttack: Bajrakbati Road Cuttack 753
001. • Dahanu: Matruashish Building Irani Road, Dahanu Road Dahanu 401 602. • Daman: Arc Shopping Mall, Dilip Nagar Teen Batti Daman 396 210. • Darbhanga: Natraj Bhawan Tower Chowk Darbhanga 846 004. • Davangere: No 621, Bhm Enclave
Binny Co Road, Mandipet Davangere 577 002. • Dehradun: 56, Rajpur Road Uttaranchal Dehradun 248 001. • Delhi: Fig-ops 1st Floor Kailash Bldg New Delhi 110001. • Deogarh: Assam Access Road New Tower Chowk Deogarh 814 112. • Dhanbad: Sri
Ram Plaza, 1st Floor Bank More Dhanbad Jharkhand 826 001. • Dharamsala: 363 / 6 Centre Point Civil Lines Dharamsala 176 216. • Dhule: Lane No 6, Mundada Arcade Parola Road Dhule 425 001.• Durgapur: Balai Commercial Complex, 3rd Floor
Nachan Road,Benachity Durgapur 713 213.•Erode: 456 Brough Road Erode 638 001. • Fazilka: Mc 594, Gaushala Road Fazilka 152 123. • Ferozepur: Cms Dept Building 307 / 7, The Mall, Ferozpur City Haryana 152 002. • Gandhidham: Plot No 1, Sector
8 Rabindranath Tagore Road, Near Gpo Gandhidham 370 201. • Gaya: Near Ganta Ghar K.p Road Gaya 823 001. • Gondal: Ground And First Floor College Chowk, Next To Central Bank Of India Gondal 363 031. • Gorakhpur: Wholesale Banking
Operations, Shreenath Complex, 10, Park Road, Civil Lines, Gorakhpur 273 001. • Guntur: 87-90, Main Road Lakshmipuram Guntur 52 2007. • Gurdaspur: Cms Dep, Scf-1& 2 Shopping Complex, Improvement Trust Market, Hanuman Chowk Gurdaspur
143 521. • Guwahati: Fancy Bazar Branch - Wbo Mishra Complex Jail Road Guwahati 781 001. • Gwalior: J. K. Plaza, Gast Ka Tazia, Lashkar, Gwalior 474001. • Hajipur: Vimal Complex, Dak Banglow Complex Opp T V S Showroom Hajipur 844 101. •
Haldwani: 8/6, Nainital Road Bhotia Prao Haldwani 263 141. • Hamirpur: Hotel Paradise New Road National Highway - 88 Hamirpur 177 001. • Hazaribagh: Annada Chowk Guru Gobind Singh Road Hazaribagh 825 301. • Himmatnagar: G.f Shop No 5-8
& First Floor 4 - 9 Kumar House, Durga Oil Mill Compound Himmatnagar 383 001. • Hisar: Plot No 3 - 4 Mca Area Railway Road Hisar 125 001. • Hoshirapur: Wholesale Banking Operations, 1st Floor, Sutheri Road, Hoshiarpur- 146 001. • Hosur: No. 24 &
25, Maruthi Nagar Near Dharga, Sipcot Po, Hosur 635 126. • Hubli: T B Revankar Complex, Vivekanand Hospital Road, Hubli 580 029. • Hyderabad: Wbo 1-10-60/3, Iii Floor, Suryodaya, Begumpet Hyderabad 500 016. • I chalkaranji: House No 7 55 Main
Road, Janata Chowk Ichalkaranji 416 115. • Indore: Cms Department (wbo), 1st Floor, Brilliant Avenue, Sch No. 94, Sector - B,behind Bombay Hospital , Ring Road Indore 452 010. • Jabalpur: First Floor, Vijayanagar Branch, Wholesale Banking
Operations Kumbhare Mansion,636, Vijayanagar, Sbi Chowk, Mr - 4 Main Road Jabalpur 482 002. • Jagadhri: First Floor, Plot No 1 Rajesh Nagar Colony, Ambala Road Jagadhri 135 003. • Jagraon: 368 B, Kapoor Building Tehsil Road Jagraon 142 026. •
Jaipur: 1st Floor, O - 10, Ashok Marg Ahimsa Circle, C Scheme Jaipur 302 001. • Jalandhar: 911, Near Narinder Cinema, G T Road Jalandhar 144 001. • Jalgaon: Plot No 134 / 135, Dsp Chowk Facing Mahal Road Jalgaoan 425 001. • Jammu: Cb 13,
Railhead Complex Gandhi Nagar, Jammu Tawi Jammu 180 001. • Jamnagar: 3rd Floor, 'abhishek', Near Savan Apartment, Saru Section Road, Jamnagar 361 008. • Jamshedpur: C/o Mithila Motors Ltd Near Ram Mandir, Bistupur Jamshedpur 831 001. •
Jhansi: Damroo Cinema Complex Civil Lines Jhansi 284 001. • Jind: Scf - 5 Near Rani Talab Jind 126 102. • Jodhpur: Keshav Complex - Ist Floor, 15 Nimbera House, Mandore Road Jodhpur 342 003. • Junagadh: Moti Palace, Ground Floor Opp
Raijinagar Junagadh 362 001. • Kadi: Radhaswami Complex, R.s No 242, Nr N.c. Desai Petrol Pump, Highway Char Rastha Kadi 382 715. • Kaithal: 1450-1451-a/4 Ambala Road Near Pehowa Chowk Kaithal 136 027. • Kangra: Opp Government
Polytechnic Kangra (h.p) 176 001. • Kannur: Cms Dept K V R Towers, South Bazar Road, Kannur 670 002. • Kanpur: Navin Market Branch 15/46 Civil Lines Kanpur 280 001. • Kapurthala: Mgn School Mall Road Kapurthala 144 601. • Karad: Near Hotel
Sangam Pune Bangalore Highway Karad 415 110. • Karnal: Sco 778-779 Opp Mahabir Dal Hospital, Kanjpura Road Karnal 132 001. • Karur: 126 / D / E, Anna Plaza Kovai Road Karur 639 002. • Khanna: Second Floor, Ravindra Complex G.t Road,
Opposite Bus Stand Khanna 141 401. • Kolhapur: Gem Stone, Raosaheb Vichare Complex 517, E Ward, New Shahupuri , Near Central Bus Stand And Parikh Pool Kolhapur 416 001. • Kolkata: Abhilasha Ii, 6 1st Floor, 6 Royd Street Kolkata 700 016. •
Kota: Show Room No 13 - 14 Main Jhalawar Road Kota 324 007. • Kotkapura: B -x/740 Faridkot Road, Kotkapura 151 204. • Kottayam: 3rd Floor, Unity Building, Opp Mdc Centre K K Road Kottayam 686 002. • Kurukshetra: Cms Dept, Shop No 1 To 5,
Kalawati Market Railway Road Kurukshetra 136 118. • Latur: Shri Prabha Arcade, Shop No 3-6 M.g Road, Near Nagar Parishad, Opp Town Hall Latur 413 512. • Lucknow: Pranay Tower, Darbari Lal Sharma Marg Beside Pratibha Cinema Lucknow 226
001. • Ludhiana: Wholesale Banking Operations Sco 54, Phase-2, Urban Estate - Dugri, Ludhiana 141 002. • Madurai: Nithtya Kalyani Towers, No 34, Krishnayar Tank Street No. 8, North Veli Street Madurai 625 001. • Mandi: Gobindgarh Hukum Chand
Bansal Building Main Post Office Roda Mandi Gobindgarh 147 301. • Mangalore: M.n Towers Kadri Mangalore 575 002. • Manjeri: Cms Dept, Kurikal Plaza, Bldg #20/1245 Kacheripady Malapurram Road Manjeri 676 121. • Mathura: Cms Dept, Ops Bsa
College Gaushala Raod Mathura 281 001. • Meerut: 1st Floor, 381 Western Kutchery Road Meerut 250 001. • Mehsana: Prabhu Complex, Near Raj Kamal Petrol Pump Abhu Highway Mehsana 384 002. • Moga: G.t Road Opp D.c Office Moga 141 001. •
Moradabad: Chaddha Shopping Complex Gmd Road Moradabad 244 001. • Morvi: Om Shopping Center Revapur Main Road Morvi 363 641. • Mumbai: Maneckjiwadia Building Nanik Motwani Marg Mumbai 400 023. • Muzzafarnagar: 53/4 -a Bhag
Kambal Wala Jansat Road, New Mandi Muzaffarnagar 251 001. • Muzzafarpur: Above Maruti Showroom Choti Saria Ganj Muzzafarpur 842 001. • Mysore: Mythiri Arcade 1st Main, Saraswathipuram Mysore 570 009. • Nabha: Sco 14-15 Patiala Gate
Nabha 147 201. • Nadiad: Shoot Out Building, Nadiad Ice Factory Compound College Road Nadiad 387 001. • Nagpur: 303 & 304 3rdfloor, Wardh Road 12, Milestone, Near Lokmat Square, Nagpur 440 010. • Narnaul: Opp S P Residence Mahinder Garh
Road Narnaul 123 001. • Nasik: Archit Centre, 3rd Floor, Chandak Circle Link Road Opp Sandeep Hotel, Near Mahamarg Bus Stand Nasik 422 002. • Navsari: Nandini Complex, Ground Floor Station Road, Sandh Kuva Navsari 396 445. • Nawanshahar: B
1 / 48 Banga Road Nawanshahar 144 514. • Nellore: G.t Road Nellore 524 001. • Palakkad: 8 / 246 Chandra Nagar Palakkad 678 007. • Palanpur: Parth Complex, Near Cozy Tower Opp Joravar Palace Palanpur 385 001. • Panipat: 801 / 4, G.t Road
Panipat 132 103. • Panjim: Swami Vivekanand Road 301, Milroc Lar Menezes, Opp Gomantak Maratha Samaz Panjim 403 001. • Pathanamthitta: Cms Dept, Aban Arcade Ward # 9/1128 Pathanathitta-kumbazha Road, Pathanathitta 689 645. • Patiala:
S.c.o 1150, First Floor Leela Bhawan Patiala 147 001. • Patna: Rajendra Ram Plaza Exhibition Road Patna 800 001. • Perinthalmanna: Calicut Road Perinthalmanna, Malappura Dist Perinthalmanna 679 322. • Phagwara: Kalra Road, Opp Hanuman
Garhi Mandir G.t Road Phagwara 144 401. • Pondicherry: Ts No 6, 100 Feet Road Ellaipillaichavady Pondhicherry 605 005. • Porbandar: Om Shiv Sakthi R D Chamber Porbander 360 575. • Pune: Fortune Square Model Colony Pune 411 016. • Quilon:
Vgp Buildings, Door No Xvi / 1539 (1320a) Vadakumbhagom Ward, Irumpupalam Kollam 691 001. • Raipur: Chawla Tower, Near Bottle House Shankar Nagar Raipur 492 001. • Rajamundry: H. No.: 46-17-20 Main Road, Danavaipet Rajahmundry 533
103. • Rajapalayam: No 251, Thenkasi Road Kadambankulam Rajapalayam 626 117. • Rajkot: Wholesale Banking Operations, Shivalik V, 3rd Floor, Makkam Chowk, Gondal Road Rajkot 360 002. • Rajpura: 11 - 12 Block B Chandigarh Patiala Road
Rajpura 140 401. • Ramganjmandi: Shanti Sadan, Opposite Sbbj, Bazar No - 1 Ramganj Mandi Ramganjmandi 325 519. • Ramgarh: Nh - 33, Main Road Ramgarh Cantontment Ramgarh 829 122. • Ranchi: Rohini 1st Floor 56 Circular Road Ranchi 834
001. • Raniganj: Nsb Road Plot No 408 Raniganj 713 347. • Ratlam: 90, Station Road Ratlam 475 001. • Ratnagiri: Show Room No. 3, Mangesh Shanta Apt., Near Maruti Mandir, Ratnagiri Maharashtra 415612. • Rewari: L-203. Old Court Road Model
Town Rewari 123 401. • Rishikesh: M No 53, M J Mall Railway Road Rishikesh 249 201. • Rohatak: Jawahar Market, Opposite D Park Delhi Rohtak Road Rohtak 124 001. • Roorkee: 313 / 8, Civil Lines Roorkee 247 667. • Ropar: Sohana Chandigarh Rd
College Road Ropar 141 001. • Rourkela: Bisra Road, Dwivedi Bhawan Dwivedi Square Rourkela 769 001. • Rudrapur: Plot No1&2, Nanital Road Plot No1&2, Nanital Road Rudrapur 263 153. • Saharanpur: Mission Compound Court Road, Adjoining
Top Shop Saharanpur 247 001. • Salem: 5 / 241 - F, Rathna Arcade Omalur Main Road Salem 636 004. • Sambalpur: Nayapara Golbazar Chowk Sambalpur 768 001. • Sangamner: Shop No 1, Janak Plaza Opposite Kubera Sankul, New Nagar Road
Sangamner 422 605. • Sangli: 640, Venkatesh Senate Miraj Road Sangli 414 416. • Sangrur: Shop No. 1-2-3, Kaula Park Market, Sangrur 148 001. • Shillong: Police Bazar, Shillong 793 001. • Shimla: Jankidas Building, 3, The Mall Shimla 171 001. •
Shimoga: No 447, Sharavathi Complex Saverlane Road Shimoga 577 201. • Siliguri: 3 No, Ramkrishna Samity Building Sevoke Road, Pani Tanki More, Siliguri 734 401. • Silvassa: 1-16 Jaypee House, Opp Patel Petrol Pump Vapi Silvassa Road Silvassa
396 230. • Sindhanur: R.k Complex Kushtagi Road Sidhanur 584 128. • Solan: Opp. State Bank Of India The Mall Solan 173 212. • Solapur: Sun Plaza, 1st Floor 8516 / 11, Murarji Peth, Lucky Chowk Solapur 413 007. • Srinagar: M.s Shopping Mall,
Residency Road Srinagar 190 001. • Surat: Wholesale Banking Operations, 1st Floor, Sai Mall, Cross Way -1, Near Ram Chowk, Ghod Dod Road, Surat 395007. • Surendranagar: Middle Point Near Milan Cinema Surendranagar 363 002. • Thalassery:
Avk Nair Road Thalassery 670 001. • Theni: No 422 - A, Periyakulam Road Opposite Convent, Theni Allinagaram Theni 625 531. • Thiruvalla: Illampallil Buildings 26/149(1&2), Mc Road Tiruvalla 689 101. • Tirunelveli: 12, 13 Trivandrum High Road
Vannarpet, Palayamkottai Tirunelveli 627 002. • Tirupathi: #19-8-180,1st Floor, Besides Ibp Petrol Bunk Above Saryus Super Market Tirupati 517 501. •Tirupur: 2nd Floor, 169, Chidambaram Complex Kumaran Road Tiruppur 641 604. • Tirur: Kms
Tower, Thazepalam Tirur 676 101. • Trichur: Global Centre M G Road Trichur 680 004. • Trichy: A - 10, Lakshmi Arcade 11th Cross Main Road, Thillainagar Trichy 620 018. • Trivandrum: Wholesale Banking Operations Bob Plaza, T C 12 / 149 (3),
Pattom, Trivandrum 695 004. • Udaipur: 03, Durga Nursury Road 2nd Floor Udaipur 313 001. • Udupi: Panduran Towers Court Road, Diana Circle Udupi 576 101. • Unjha: Suvidhi Complex, 1 St Floor, Nr. Radha Krishna Temple, Station Road Unjha 382
170. • Valsad: 1st Floor, Ekta Appt., Near R J J High School Thithal Road Valsad 396 001. • Vapi: 1st Floor, Kanta Trade Centre Behind Asopalav Hotel, Gidc Char Rasta Vapi 396 195. • Varanasi: D 58 / 2 Kuber Complex Rathyatra Crossing Varanasi 221
010. • Vellore: No 73, Officers Line Krishna Nagar Vellore 632 001. • Veraval: Amrutdeep, Opp Public Garden Rajamahal Road Veraval 362 265. • Vijaywada: 40 - 1 -48 / 2, M.g Road Labbipet Vijaywada 520 010. • Vishakapatnam: 1st Floor, Poduri
Castle Above Rayomond Showroom Dwarka Nagar Vishakapatnam 530 016. • Warangal: No 1-8-605 / 1 Nakkalgutta Hanamkonda Warangal 506 002.
HDFC BANK (NRI Collection Centres)
Ahmedabad: Astral Building , Next To Hdfc House Opposite Reliance General Insurance Building, Near Mithakhali Six Roads , Navrangpura Navrangpura 380 009 • Bangalore: No 8 / 24 Salco Centre Richmond Road Bangalore 560 025 • Kolkata:
Abhilasha Ii ,6 1st Floor, 6 Royd Street Kolkata 700 016 • Chandigarh: Sco 371/372 Sector 35 - B Chandigarh 160 034 • Cochin: 1st Floor, Sl Plaza Palarivattom Cochin 682 025 • Delhi: Figops , Ist Floor Kailash Building , 26 K G Marg New Delhi 110 001 •
Hyderabad: 6-1-73 3rd Floor Saeed Plaza Lakadikapaul Hyderabad 500 004 • Indore: 3 Rd Floor , 9/1a , U.V.House South Tukonj Indore 452 001 • Jaipur: 1st Floor ,O - 10 , Ashok Marg Ahimsa Circle , C Scheme Jaipur 302 001 • Lucknow: Pranay
Tower,Darbari Lal Sharma Marg Beside Pratibha Cinema Lucknow 226 001 • Chennai: Mariam Centre , Ground Floor 751 B , Anna Salai Chennai 600 002 • Mumbai: Maneckjiwadia Building Nanik Motwani Marg Mumbai 400 023 • Pune: Fortune Square
Model Colony Pune 411 016 • Surat: 7th Floor, Kashi Plaza Next To Dr Bipin Desai Children Hospital , Majura Gate Surat 395 002
CORPORATION BANK
Adoni: 18/641-8,Municipal Main Rd,P.B.25, Adoni - 518301 A.P. • Adoor: G.F.Kandathil Building,M.C.Road,,Adoor - 691523 Kerala • Aduthurai: New No.9g, Kumbakonam - Mayavaram Main Road, Aduthurai - 612101 Tamil Nadu • Agra: 6/336, I
Floor Sita Ram Market Belanganj, Agra-282004, U. Pradesh • Ahmedabad: CAPS Rangolee Cplx, Ashram R0ad, V S Hspt, Elllis Bridge, Ahemedabad, 380006 Gujarath • Ahmednagar: Anand Mangal Karyalaya, Sahakar Sabha Griha Marg, Market
Yard, Saras Nagar, Ahmednagar - 414001 Maharashtra • Ajmer: 235/4, Bambewali Kothi, Jaipur Road, Ajmer, Ajmer, 305001 Rajasthan • Akividu: D.No.16-115b, Main Road, Muslim Welfare Association Bldg, Akividu - 534235 A.P.• Akola: Shivdwar
Complex, Lrt College Road, Civil Lines Square, Akola-444001 Maharashtra • Alangar: Alangar, Moodabidri - 574227 Karnataka • Alappad: S.S.V.K.Bldg., Alappad, P.O.Cheriazheekal, 690573 Kerala • Alappuzha (Alleppey): A A T T D Bldg, Opp T
D Medical Colg Hospital, Pbno.4205, Alappuzha, 688011 Kerala • Aligarh: S.V.Plaza, Marris Road, Tikaram Mandir Marg, Aligarh 202001 U.Pradesh • Allahabad: 69,Johnston Ganj,Allahabad-211003 U.Pradesh • Alumkadavu: D.No.Kp 1x - 453,
Main Rd, P.O. Alumkadavu, 690518 Kerala • Alwar: Moti Dongri Road Ground Floor, Lic of India Building, Moti Doongri Road, Alwar 301001 Rajasthan • Amalapuram: D.No.7-2-27/1, Patchigolla Mansions, Main Road, Amalapuram-533201 A.P. •
Ambala: 11 E/1/7440 Bada Thakurdwara, Urban Estate, Opp Sector - 7, Ambala,134002 Haryana • Ambernath: D.No.2, Shradda Complex, G.Floor, Shivmandir Road, Ambernath - 421501 Maharashtra • Ambur: No.38, Royal Sun Tower, Gudiattam
Bye Pass Road, Ambur - 635802 Tamil Nadu • Amravati: Gulshan Point, Rajapet Circle, Badnera Road, Near Hotel Dream Land, Amaravati - 444 601 Maharashtra • Amritsar: No 8, Lawrence Road, Amritsar-143001 Punjab • Anand: No.1, Jhulelal
Shopping Complex, Amul Dairy Road, Anand,388001 Gujarath • Ananthapur: 11/169, Subhash Road, Anantapur,515001A.P. • Angamaly: Ward 5/422/Z, St. George Complex, Angamaly, 683572 Kerala • Ankola: Narayan, Karwar Rd, Pbno.11,
Ankola, 581314 Karnataka • Arasikere: Opp. Hoysaleshwara College, B.H. Road, Arasikere 573103 Karnataka • Arattupuzha: Vettuparam Bil Bldg,Via Thrikkunnapuzha, Arattupuzha, 690515 Kerala • Arlem: Goa G.S.A.M Board Complex, Near Old
Rto Office, Arlem-Raia, Goa-403720 Goa • Asansol: Lic Of India, Div.Off., Jeevan Prakash, West End, G. T. Rd, Asansol 713304 West Bengal • Athani: Sy. No. Cts-4390 B, Ward No.19, Near Shivayogi Circle, Main Road, Atahni, 591304 Karnataka •
Aurangabad: Eureka House, Raghuveer Nagar, Opp. St. Francis High School, Jalna Road, Aurangabad - 431 001 Maharashtra • Badli: Pelpa More The - ahadurgarh, Badli - 124105 • Haryana • Badshahpur: Rama Complex, Sona Road, Opp.
Darbaripur Mod, Badshahpur - 122101 Haryana • Bagalkot: B. V. V. S Complex, College Road, Bagalkot - 587101 Karnataka • Bahadurgarah: Ram Bhawan, Rohtak Road, Charan Singh Mkt., Bahadurgarh, 124507 Haryana • Baikampady: Vishwa
Kamala Bldg, Main Road, Baikampady, Mangalore, 575011 Karnataka • Balanagar: No.5-35/162, Ground Floor, Soni Complex, Prashanti Nagar, Balanagar, Hyderabad - 500072 A.P. • Banga: Opp. Rai Filling Station, (Petol Pump), Main Road,
Banga 144505 Punjab • Bangalore: CAPS No. 21/1, 2nd Floor, Jelitta Tower, Mission Road, Bangalore - 560 027 Karnataka • Bantwal: 7/30,Car Street,Bantval,574211 Karnataka • Barabanki: Vijay Nagar, Yadav Market, Paisar Dehat, Faizabad
Road, Barabanki - 225001 U.Pradesh • Baramati: No.466, Avdhoth Plaza, Bhigwan Road, Baramati - 413 102 Maharashtra • Barasat: First Floor, 42e, Knc Road, Barasat, Kolkata - 700124 West Bengal • Barddhaman: "Sims House", 150, G.T. Road,
Parbirhata, Burdwan - 713103 West Bengal • Bardoli: Kashyap Chamber, Station Road, Opp. Mudit Palace, Bardoli-394601 Gujarath • Bareilly: 1st.Fl,Bda Shopping Complex, Group B, Priyadarshini Nagar, Bareilly, 243001 U.Pradesh • Barnala: 22
Acre Market, Scf No.18, Opp: Lic Office, Barnala-148101 Punjab • Barwala: 87/A, Barwala Village, Main Barwala Road, Barwala, Delhi - 110 039 New Delhi • Batala: Scf - 46 - 47, Leakwala Talab, Jallandhar Road, Batala - 143505 Punjab • Bavana:
H.1055, Delhi Rd, Opp. Petrol Pump, Bawana,110039 New Delhi • Behat: Chakroata Rd., Near Bus Stand, Behat - 247 121 U.Pradesh • Belgaum: K.G. Road3 445/Ib, Parvati Complex, Samadevi Galli, Belgaum, 590002 Karnataka • Bellary: Ist Floor,
Raghava Krishna Complex, K. C. Road, Pbno. 20, Bellary, 583101 Karnataka • Berhampur: S.No.70,K.V.R. Plaza, Giri Road (Near Geeta Bhavan) Berhampur - 760 005 Orissa • Bhadravathi: B. H. Road, Pb. 302, Bhadravati, 577303 Karnataka •
Bharatpur: Near Anah Gate Circle, Exhibition Road, Bharatpur -321001 Rajasthan • Bhatinda: Bank St., Old Satta Bazar, Bhatinda - 151001, Punjab • Bhatkal: Musba Bldg.,Main Road, Pbno. 25, Bhatkal - 581230 Karnataka • Bhavanagar: Gopi
Arcad, Block No.12, Waghawadi Road, Opp. Taktashwar P. O., Bhavnagar - 364002 Gujarath • Bheemavaram: 104 - 1, G. F. Mohan Plaza, Juvvalapalem Rd., Bhimavaram - 534202 A.P. • Bhilai Nagar: CPBB A-9, A-10, Veer Savarkar Market, Opp:
Teen Darshan Mandir, Ge Rd., Supela, Bhilainagar - 490023 Chattisgarh • Bhilwara: Plot No. 88, Beside Galli No. 3, Vardhaman Colony, Love Garden Road, Bhilwara - 311001 Rajasthan • Bhiwadi: Alwar Lic Of India Bldg., Bhiwadi - 301019
Rajasthan • Bhiwani: No. 227, Vijayanagar, Hansi Rd., Bhiwani - 127 021 Haryana • Bhopal: M. P. Nagar Plot 181, Zone Ii, M. P. Nagar, Bhopal - 462011 M. Pradesh • Bhubaneshwar: Flat No.121 & 122, 'Karvel Nagar, Stn. Sq. Bhubaneswar -
751001, Orissa • Bhuj: Opp. New District Hopsital, Lotus Colony, Bhuj - 370001 Gujarath • Bicholim Vynkatesh Prasad Building, Bordem, Bicholim - 403504 Goa • Bidar: 9-2-3, 485, Stn. Rd., Near Ambedkar Chowrasta, Bidar - 585401 Karnataka •
Bijapur: Cts. No.1004, Gurukul Road, Bijapur -586101 Karnataka • Bikaneer: Jaipur Modern Market, Near Drm Office Circle, Agrasen Circle, Bikaner - 334001 Rajasthan • Bilaspur: Lic Of India, Jeevan Jyothi, Ist Floor, Magarpur Road, Bilaspur -
495001 Chattisgarh • Bilgi: Opp. Glbc Office, Bhai Serkar Bldg., Bagalkot - Jamkandi Rd., Bilgi - 587116 Karnataka • Bokaro: Ist Floor, Agarwal Bhawan, Bypass Road, Chas, Bokaro - 827013 Jarkhand • Bovikan: Main Rd.,Muliyar, P.O. Muliar,
671542 Kerala • Bulandshahr: 238, Kothiyat Civil Lines, Opp. Old Dist Jail, Harihar Press Compound, Bulandshahr - 247554 U.Pradesh • Byadgi: Ground Floor, Cts No. 251, Main Road, Byadgi - 581106 • Calangute: Goa Plaze De Antonio, Main Rd.,
Gauravado, Calangute Beach, 403516 Goa • Cambay: 1198/B/2,Station Rd.,Pbno. 60, Cambay - 388620. • Canacona, Goa,LIC Ist Floor, 93k, Canacona Palace, Chawdi,Canacona-403 702 Goa • Chakan: Gat.No.1156, "Shri Hari" Complex,
Shikrapur Road, Opp. Vishal Garden, Chakan - 410501 Maharashtra • Chandanagar: 5-26/1,Ground Floor,Bhel Cross Roads,Serilingampally,Chandanagar-500050 A.P. • Chandigarh: S.C.O.137-138,Sector 8c.Madhya
Marg,Pbno.209,Chandigarh-160008 Chandigarh • Chandkheda: No.115-125, First Floor, Orange Mall, Orange Circle, Chandkheda-382424 Gujarath • Channapatna: Sy.No.2191/4-10, B.M. Road, Iiird Cross, Bandhi Complex, Kuvempu
Nagar,Channapatna-571501 • Karnataka • Channapetta: I Floor,Ix/506-B,Ushas,Via Anchal,Channapatta,691311Kerala • Chellanam: C.P.1/239(A),South Chellanam,Chellanam,682008 Kerala. • Chengannur: Ward 19/341,Vaikkathethu Bldg,
Bethel Junction,M.C.Rd,Chengannur,689121 Kerala • Chennai: CAPS G.F. No.27,Arul Manai,Whites Road,Chennai,600014 Tamil Nadu. • Chennarayapatna: Gururaj Complex, Nr.Balaji Theatre,B.M.Road,Channarayapatna 573116 • Karnataka-
Cheriazhikal: Ward No.10, Alappad Panchayat, Karunagapally Tq,,Po Cheriazhekkal,,690573 Kerala • Cherukole Mavilethu Bldg, Ward No.Ii, Cherukole,,P.O.,690104 Kerala • Chettikkad: G.Floor,Priyadarshani Junction, Alappuzha, Arthunkala
Rd, Ward No.Xv, Chettigad,-688 521 Kerala • Chickmaglur: Srinivasa Arcade, M.G. Road, Chikmaglur-577101 Karnataka • Chikkaballapura: K.B.Pillappa Complex, M.G. Road, Chikaballapura-562101 Karnataka • Chikkodi: No.6065/3292/92,
Nippani-Mahalingapur State Highway, Chikkodi-591201 Karnataka • Chirala: D No13-7-31, Polimera Road, Chirala,523155 A.P.• Chitradurga: Dummi Complex 38. V.Block,B.D.Road,Chitradurga,577501 Karnataka • Chittoor: 11-458, I
Floor,Pbno.40,Old Taluk Kacheri Street,Chittoor,517001 A.P. • Coimbatore-CAPS: 1604, Trichy Road,Coimbatore,641018 Tamil Nadu • Coonoor: 88-89, Seems Park Rd, Gray's Hill.,Coonoor-643101 Tamil Nadu • Cuddalore: G.Floor,
D.No.9/211, Nh-45a, Imperial Road, Near Market, Cuddalore-607003 Tamil Nadu • Cuddapah: G & F.Floor,2/13, K.N.R. Complex,R.S.Road, Near Kotireddy Circle,Kadapa-516001 A.P.• Curchorem: Goa,LIC Chamunda Apartments, Curchorem
Post, Goa-403 706 Goa • Cuttack: 1st Flr.Of Holding No.512/A,Bajrakabati Rad,Cuttack 753001 Orissa • Damalacheruvu: 2-203-4,Bazar Street,Pakala (Mandal),Damalacheruvu,517152 A.P.• Damoh: D.No.18-5/A, Ward No.5, Killai Road, Damoh-
470 661 M.Pradesh • Dandeli: Inthru Complex,Near Bus Stand,Jn Road, Dandeli,581325 Karnataka • Darjeeling: G.Floor,Yonzon Building(Hotel Charlie),Laden La Road,Darjeeling-734101 West Bengal • Davangere: Mandipet 626,I Floor,
Pb.No.73,Mandipet,Davangere-577001 Karnataka • Dehradun: CPBB, Raj Plaza,75,Rajpur Road,Dehradun,248001 Uttaranchal • Deoband: Jai Automobiles, G.T. Road, Manglor Chowki, Deoband-247 554 U.Pradesh • Deoria: Raghav Nagar,
Deoria-274001 U.Pradesh • Derabassi: Chandigarh Ambala Road, Paras Market, Dera Bassi-140507 Punjab • Devanahalli: Gr Flr,Jain Temp,N.H.7/4-207,B.B.Rd,Devanhalli Town,Bangalore-562110 Karnataka • Dhanbad G.Floor, Hem Towers,
Luby Circular Rd, Dhanbad-826001 Jarkhand • Dhar: No.56, Silver Hills Colony, Near Trimurti Chauraha, Dhar-454001 M.Pradesh • Dharwad: Sujata Complex, Pb.No.22,Pune-Bangalore Road, Dharwad,580001 Karnataka • Dindigul: I Flr, Jeeva
Jothi Blg,' Salai Rd,Dindigul-624001 Tamil Nadu • Doddaballapur: Hungi Complex, Main Rd,Doddaballapur,561203 Karnataka • Durgapur: Plot 686,1st.Fl.,Nachan Rd,Bennachity,Durgapur,713213 West Bengal • Elamakkara: R.P.Memorial
Bldg,Puthukkolavattom Rd,Elamakkara,Cochi-682026 Kerala • Eluru: 22b-13-19,Prasad Mansion,V.P.P.Rd,Powerpet,Eluru,534002 A.P. • Ernakulam Main: I Floor,Radhakrishna Bldg,Pbno.2528,Cloth Bazar Rd,Ernakulam,682031 Kerala •
Erode: 278/279,Gandhiji Rd,Pbno.29,Erode-638001 Tamil Nadu • Ezhupunna: Sanjo Building, H.N.V/36a, Eramalloor-688 537,Ezhupunna Kerala • Faridabad: I G 47 B P,N.I.T.Opp Main Bus Stand,Faridabad,121001 Haryana • Faridkot:
D.No.B-V-438, College Road, Faridkot-151203 Punjab • Ferozepur Circular Road, Bagdadi Gate, Ferozepur-152001 Punjab • Gachibowli: H.No.1-72/3/2/1, Main Road, Gachibowli, Hyderabad-500032 A.P. • Gadag: Sri Siddaling Shilpa,Pala
Badami Rd,Pbno.31,Gadag,582101 Karnataka • Gajraula: Teachers Colony, Bijnore Road, Gajraula-244235 U.Pradesh • Gandhidham: Dr. Talwars Bldg,Opp.Shiv Regency, Gandhidham,37020 Gujarath • Gandhinagar: Udyog Bhavan Udyog
Bhavan,Sector 11, Iind Floor Block 16,U.Bhavan,Gandhinagar,382017 Gujarath • Gangtok: 6th Floor, Lakar Building, Arithang Road, N.H.31 A,Gangtok - 737101 Sikkim • Gharaunda: Balinagar, G.T.Road, Gharaunda-132 114 Haryana •
Ghaziabad: Navyug Mkt.,116a,Navyug Market,Ghaziabad-201001 U.Pradesh • Gobichettypalyam: No.27, Ist Floor, Sathy Erode Main Road, Gobichettypalayam-638452 Tamil Nadu • Gokak: 3191/D/4,Gf Tuppad Bldg,Basaveshwar Circle,
Gokak-591307 Karnataka • Gondal: "Sapna" Panchayat Plot, Near Mongiba Girls High School,,Gondal-360311 Gujarath • Gorakhpur: Ibrahim Arcade Bldg,I Floor,Cinema Rd,Gorakhpur,P.O.Golghar,273001 U.Pradesh • Gudlavalleru: Main Road,
Gudlavalleru-521356 A.P. • Guduvancherry: No.150, Sy.No.122/C-2,G.S.T.Road, Guduvancherry,Chengalapattu Tq Tamil Nadu • Gulbarga: 104-105,Indradas Towers,Main Road,Super Mraket,Gulbarga,585101 Karnataka • Gummidipoondi:
No.248/A, Gnt Road, Gummidipoondi, Chennai-601201 Tamil Nadu • Guna: D.No.17/348, Ab Road, Guna-473001 M.Pradesh • Guntur: D.No.24-3-92, 1st Flr., Behind Hindu College, G.T.Rd. Guntur-522003 A.P. • Gurdaspur: Ground
Floor,Hardochanni Road,Gurdaspur-143521 Punjab • Gurgoan: Scf 87|88,Shoping Area, Sector 14, Gurgaon,122001 Haryana • Guruvayur: R.V.Trade Centre, East Nada, Guruvayur 680101 Kerala • Guwahati: 21,M.L. Nehru Road, Pan Bazar,
Guwahati - 781 001 Assam • Gwalior: Senior House, Lashkar Road,Phalke Bazar, Gwalior-474001 M. Pradesh • Haliyal: T. M. C. Complex, Pb.No.25, Haliyal,581329 Karnataka • Hanumagonda: House No.6-2-203,G.Floor,V.Punnamachander
Complex,Chowrastha, Hanamkonda-506 011 A.P. • Haridwar: No.276, Raj Bhawan, Opp: Vishal Mega Mart, Ranipur More,Haridwar-249401 Uttaranchal • Harihar: Poona-Bangalore Road,Bharath Beedi Bldg, Harihar-577601 Karnataka • Hassan:
Narasimaraja Circle, Holenarasipura Rd,Pbno.1,Hassan,573201 Karnataka • Haveri: Shanthesh Bldg,J.P.Road,Pbno.14,Haveri,581110 Karnataka • Hindupur: 1st Fl,7-7-71,Gupta Mansion,S.V.D.Rd,Hindupur,515201 A.P. • Hissar: 63-P,
Commercial Ue-1,Red Square Market, Lic Bldg Road,Hissar-125001 Haryana • Honnavar: Above Sri Ram Mandir,Bazaar Road,Honavar,581334 Karnataka • Hoshiarpur: Court Road,Hoshiarpur,146001 Punjab • Hoskote: 8348/1a1, M.V.
Extension, Gangamma Gudi Road, Hoskote-562 114 Karnataka • Hospet: Gr.Flr.Sri Sai Dham Complex,T.B.Dam Road,Ward 31,Hospet - 583201 Karnataka • Hosur: 560/Ic,Yashoda Mahal,Bye-Pass Rd,Hosur,635109 Tamil Nadu • Hubli - N.C.M.
128,Opp.Basawana Vana, Pbno.605,New Cotton Market Road,Hubli,580029 Karnataka • Hyderabad: CAPS 5-9-112, I Flr,Opp.Public Garden,S Gate No.1,Nampally,Hyderabad,500001 A.P. • Indore: 63,M.G.Road,Mahavir Empire,Singapur
Market, Indore 452001 M.Pradesh • Jabalpur: Gr.Fl.Gurusing Sabha Bldg,Civic Centre,Marhataljabalpur,482002 M. Pradesh • Jaipur: 101 To 110. I Floor,Anumkampa Tower, Church Rd, (Old Shalimar Rd)Jaipur-302002 Rajasthan • Jalgaon:
Aditya Chambers, 201, Navipeth, Mahanagar Palika,Jalgaon-425001 Maharashtra • Jallandar: Guru Teg Bahadur Nagar,Jalandhar,144003 Punjab • Jalpaiguri: G.Floor, Ukil Para, Kadamtala Main Rd, Jalpaiguri-735 101 West Bengal •
Jamakhandi: Popular Complex,Uma Rameshwar Road,6,Jamkhandi,587301 Karnataka • Jammu-CPBB: Ob-24,Rail Head Comml. Complex,Panama Chowk,Jammu,180006 Jammu. • Jamnagar: Shop No.27 To 36,Gr.Flr.Manek Centre,Nehru
Marg,Jamnagar-361001 Gujarath • Jamshedpur: 487,Kasidih Sakchi,Jamshedpur,,831001 Jarkhand • Jhansi: Near Kapoor Nursing Home, Allahabad Bank Road, Elite Chowk,Jhansi-284 001 U.Pradesh • Jodhpur: Gullab Bhavan, Chopasni
Road,Jalori Gate,Jodhpur,342003 Rajasthan • Junagadh: Opp:Bahuddin College, College Road, Junagadh-362001 Gujarath • K G F -Andersonpet: 95,O'daniel Rd,Kolar Gold Fields,Andersonpet-563111 Karnataka • Kadi: Sarva Vidyalay Kelwani
Mandal, Sarva Vidyalaya Campus, Kadi-Kalyanpura-Mdr Road, Gujarath • Kadur: Mallikarjuna Arcade,Near Check Post,Basaweshwara Circle,Kadur-577 548 Karnataka • Kakinada: 27-9-52,Savithri Mansions,Pulivarthivari Street,Kakinada,533001
A.P. • Kalapathy-Pallakkad-PBB: 2/682(1), Akshaya Devi Colony,Manalmantha Rd, Ambikapuram,Palakkad,678003 Kerala • Kallambalam: Survy 3/13 N.H.47 Road Side,Kallambalam,695605 Kerala • Kallur: Shimji Bldg.,Via
Algappangar,Palakka Paramb,Kallur,680317 Kerala • Kanakapura: No.1022,J.C. Extension, Church Road, Kanakapura-562117 Karnataka • Kandukur: 1st Floor, No.22-2-50(3),Sri Rama Complex,Near Rtc Bus Stand,Kovvur Road, Kandukuru-
523105 A.P. • Kanhangad: W-Vi/530-G,G.Floor,Upendra Mahal, Main Rd, Pbno.26, Kanhangad-671315 Kerala • Kankipadu: D.No.8-55,Lakshmaiah Complex,Opp.To Panchayat Office,Lock Road,Kankipadu-521151 A.P. • Kannambra: Madhavi
Nilayam,Main Rd,Kannambra,.Alathur,678686 Kerala • Kannur: (Cannanore) Cc-390/F, Sree Prakash',Bank Rd,Camp Bazar,Pbno.22,Cannur,670001 Kerala • Kanpur: The Mall Lic Of India, Jeevan Vikas,16/98,M.G.Marg,The Mall,Kanpur 208001
U.Pradesh • Kapurtala-CPBB: Jalandhar Rd,Kapurthala,144601 Punjab • Karaikal: pondicherry D.No.71/A,Bharathiar Street,Karaikal,609602 Pondicherry • Karimnagar: G.F.D.No.2-10-1086, Jyothi Nagar,St.John's School Rd,Karimnagar-505002
A.P. • Karkala: Salmar Main Road,Pbno.16,Salmar,Karkala-574104 Karnataka • Karnal Mehfil Bldg.,G.T.Road,Opp.To Sil,Karnal,132001 Haryana • Karur: 63, I Flr,50 Ft Road, Pbno.219,Ramakrishnapuram.Karur,639001 Tamil Nadu • Karwar
Radha Govind Complex,Kaikini Road,Pbno.25,Karwar,581301 Karnataka • Karwar-Binaga: Bilt Shopping Complex, Po.Binaga, Karwar-581 364 Karnataka • Kasargod: D.No.Kmc 11/1010/A '1st Fl Dhanwanthari Centre, M G
Road,Kasargod,671121 Kerala • Katchaikatti: 3/47, T.Andipatti, Madurai-Dindigul Highway,Katchaikatti-625238 Tamil Nadu • Kavali: Door No.3-12-6, First Floor, Natarajaiah Plaza, Trunk Road, Kavali-524 201 A.P. • Kaveripakkam: No.21,
Banavaram Main Road, Kaveripakkam-632508 Tamil Nadu • Khadaklat: Mallikarjuna Nilaya,Main Road, Khadaklat, Chikodi,591228 Karnataka • Khammam: D.8-2-163, Grd.Flr, Lic Bldg., Wyra Road, Khammam 507001 A.P. • Khanna: Purewal
Tower, Samrala Chowk, G.T. Road, Khanna-141401 Punjab • Khargar: "Aum Sai", Shop No.7 To 11, 23c, Sector-7, Service Road, Kharghar, Navi Mumbai-410210 Maharashtra • Khatauli: Mohalla Lal Mohammad, G.T. Road, Khatauli-251201
U.Pradesh • Kishangarh: Plot No.46 & 47, Industrial Area, Jaipur Bypass Road, Madanganj, Kishangarh-305801 Rajasthan • Kochi-CAPS: 2nd Floor, Radhakrishna Building, Cloth Bazar Road, Ernakulam-682031 Kerala • Kolar: Rahamania
Conplex,Doddapet Pb.No.18,Kolar,563101 Karnataka • Kolhapur: Laxmi Towers Ist Fl,1426/28,C-Ward, Laxmipuri,Kolhapur-416 002 Maharashtra • Kolkata-CAPS: 3 Sir William Jones Middle Ton Row, M/S Apsaraco-Operative Housing
Ltd.,Calcutta,700071 West Bengal • Kollad: Chempakasseril Complx,;K.C.Road,Kollad,-686029 Kerala • Kollam: (Quillon) Visalakshmi Mansion,Main Road,Pbno.216.Kollam,691001 Kerala • Komarapalayam: 3/11,Nh.47, Salem Main
Rd,Valayakaranur,Komarapalayam-638183 Tamil Nadu • Koperkhairane: Laxminarayana Complex, Sector-12a, Govind Fakir Naik Road, Koperkhairne-400709 Maharashtra • Koppal: Mb.No.7/9/891, Ashoka Circle, Jawahar Road,Koppal-583231
Karnataka • Korba: Niharika Area, Ghanta Chowk,Korba-495 679 Chattisgarh • Kota: 390 Shopping Centre,Ghorawala Baba Chauraha,Kota,324007 Rajasthan • Kottarakkara: K.P.11\991,Tharakans Bldg G.Fl,M C Rd,Kottarakkara, ,691531
Kerala • Kottayam: Valayil Building, Sasthri Road, Kottayam,686001 Kerala • Kotturu: D.No.1486, Ward No.4, Near Apmc Yard,Harapanahalli Rd, Kottur-583 134 Karnataka • Kozhikode (Calicut): Corporation Bk Bldg,Cherooty
Rd,Pbno.1131,Kozicode, Pin-673032 Kerala • Krishnagiri No.65, 2nd Cross, Co-Operative Colony, Krishnagiri-635001 Tamil Nadu • Kumbakonam: 85 A,Sarangapani East Street, Pbno.53, H584, kumbakonam-612001 Tamil Nadu • Kumta: Old Post
Office Rd,Pbno.18,,Kumta Karnataka • Kundapur Guruprasad,Main Road,11,Kundapur-576201 Karnataka • Kunnamkulam: Ward Xvi/236h, Gr.Flr., Jobs Shopping Complex, Wadakkanncherry Rd Pb No.33., Kunnamkulam,680503 Kerala •
Kurnool: 40/326,Brp Complx,Park Road,Kurnool,518001 A.P. • Kurukshetra G.Floor, Pehawa Rd, Near Ambedkar Chowk, Kurukshetra-136118 Haryana • Kushala Nagar: Kodagu Towers,B.M.Road,Pbno.5,Kushalnagar,571234 Karnataka •
Loliem-Cancona: Goa Village Panchayat Buildng, Loliem, Cancona-403728 Goa • Lucknow: Ground Fl; Hotel Tourist Buildings,11,B.N.Rd,Kaiser Bagh,Lucknow-226001 U.Pradesh • Ludhiana: Sco-34,Pakhotwal Rd,Feroz Gandhi
kt,Ludhiana,141001 Punjab • Madhapar: Sy.4/3/34,Kulwari Bazar, Navavas, Madhapar,370020 Gujarath • Madikeri: College Road,Pb.No.21,Madikeri(Mercara)-571201 Karnataka • Madurai-Westmasi St. 1st Floor-49,West Masi
Street,Pbno.236,Madurai625001 Tamil Nadu • Magadi: No.999/933, Patel Subbaiah Road, Magadi-562 120 Karnataka • Maina Curtorium: St. Rita's Church Complex,Maina Curtorim,Curtorim,403709 Goa • Malappuram: Moosa Complex, Near
Muncipal Bus Stand Malappuram-676 505 Kerala • Mallappally: Gf. Sy.No.256-7-3, Mallappally Junction, Mallappally 689585 Kerala • Malout: Old Malwa Ice Factory,G.T.Road, Malout-152 107 Punjab • Malpe: Port Road, Pbno.6 Malpe-576118
Karnataka • Mandya 1751, "Kalyani" K.R. Road,Vidyanagar, Mandya-571401 Karnataka • Mangalore-Pandeshwar: Paradigam Plaza, Ab Shetty Circle, Pbno.42,Mangalore-575001 Karnataka • Manipal:
H.322,Extn.Ward.16,Manipal(Shivalli),.Udupi,576119 Karnataka • Mansa: Water Works Road, Mansa-151 505 Punjab • Mapuca: Coscar Corner,Taliwada,Pb.No.4,Mapusa,403507 Goa • Margao: Dr.Antonio Dias Bldg;Near
Municipality,Pbno.188,Margao-403601 Goa • Marmagoa: (Vasco-da-gama) Raghunath Apts.,Francisco Luis Gomes Rd.,Pbno.86,Mormugao-403802 Goa • Masulipatnam: 11/572,Robertsonpet,Machilipatnam,521001 A.P. • Mathura: 6-B,
Krishna Nagar, Goverdhan Nagar, Mathura-281004 U.Pradesh • Medchal: D.No.13-241, Main Road, N.H.7, Medchal-501401 A.P. • Meerut: Olympic Chambers,208, Begum Bridge Rd,Opp:Pnb,Meerut,,250001 U.Pradesh • Mehsana:
1990/158p,Mal Godown Road,Near Telephone Exchange,Mehsana,384002 Gujarath • Mettupalayam: 279-280,Ooty Main Rd,Mettupalayam-641 301,P.O.2, Tamil Nadu • Mezhuveli: Perumkunnil.Bldgs,Mezhuveli-689507,. Kerala • Moga: L.I.C.Of
India, Jeevan Jyothi, Grd.Flr, G.T.Road, Moga 142001Punjab • Mohali: Scf47,Phase10,Sector 64,Urban Estate,Sas Nagar(Mohali),160062 Punjab • Moodabidri: Vasudeva Complex,Opp.Police Stn.Main Rd. Moodabidri 574227 Karnataka •
Moradabad: Hall 1-4 Ekta Dwar Mda Comm. Compl.,Civil Lines,Moradabad,244001 U.Pradesh • Mudhol New Girls High School Campus, Main Road,M.G.Circle,Mudhol-587313 Karnataka • Mugasianumanpalli: Pawadi St,Arachalur-
638101,Mugasianumanpalli Village Tamil Nadu • Mukka: Safco Complex Building, N.H.-17,Mukka-575021,Mangalore Taluka Karnataka • Mulky: Punaroor Bldg,I Flr, Nh-17, Near Bustand,Mulki,574154 Karnataka • Mumbai-CAPS: 409-412
Dalamal Towers 4th Fl,Nariman Point,Mumbai,400021 Maharashtra • Mundka: Plot 657,Main Rohtak Rd,Mundka,110041 New Delhi • Murida: Cuncolim Main Rd,Murida,Cuncolim,.Salcete,403703 Goa • Muthukulam: Jayalakshmi
Bldg,Pandavarkav Junction,Muthukulam ,690560 Kerala • Muzaffurpur: Holdng No.211, Ward No.36, Kachchi Sarai, Muzaffurpur-842002 Bihar • Muzzaffarnagar: Lic Of India, Branch Office Bldg, Ansari Road, Muzaffarnagar 251002 U.Pradesh •
Mysore-Main: G.Floor, D.No.L-351,Ashok Road,Mysore-570001 Karnataka • Nadiad: Contractor Bldg,I Floor,Ghodia Bazar,Station Road,Nadiad-387001 Gujarath • Nagerkoil: Door No.1382/794,Ground Floor,College Road,Nagercoil-629001
Tamil Nadu • Nagpur: National Insurance Bldg,Ground Fl,Kingsway,S.V.P.Marg Nagpur440001 Maharashtra • Nakodar: R-M-B Nijjer Complex, 144, Nurmahal Road, Nakodar Dist. Jalandhar-144042 Punjab • Nakur: Banjaran Tehsil Rd, Nakur-247
342 U.Pradesh • Namakkal: 14,Paramathi Road,Pb.No.32,Namakkal,637001 Tamil Nadu • Nanded: 1-17-1427,Viswanagar,Vip Road, Nanded-431601 Maharashtra • Nasik: Lic Building, Sahyadry Building, Goale Colony, Nasik-422001.
Maharashtra • Navasari: Paradise Tower,Station Rd,Opp.Civil Hospital,Navsari,396445 Gujarath • Navsari-Luncikui: D.N.Mehta Sarvajanik Hospital, J.N.Tata Marg,Lunsikui,Navsari 396445 Gujarath • Nawanshahr: G.Floor,Near Nehru Gate,
Railway Road,Nawanshahr-144514 Punjab • Neemuch: B-49, Near Kamal Chowk, Tagore Marg, Neemuch-458441 M.Pradesh • Nellore: 15/196,Goturivari St,Brindavanam,Nellore, P.O.No 22,524001 A.P. • Nelmangala: Mss Complex, Paramanna
Layout, Nelamangala-562123 Karnataka • New Delhi-CAPS: F14,Flat 210&211,Competent House,Connaught Circus,Delhi,110001 New Delhi • Nhamanghat: Vattampadom,No.204/12, Vakakkekad, Nhamanghat-679 563 Kerala • Nidagundi:
D.No. 3 To 9, Gvvs Complex, College Road, Nidagundi-586213 Karnataka • Nippani: G.Floor,'66,Namichand Nivas,Ashoknagar,Nipani-591237 Karnataka • Nizamabad 5-5-80,Ist Floor,Khaleelwadi, Nizamabab 503001,A.P • Noida: B-1 Sector
26,Noida,.201301 U.Pradesh • North-Parur: Door No.6/505/C, Prakash Estate, North Parur-683 513 Kerala • Oddanchatram: 761 A 30/8, Iswarya Plaza, First Floor, Dindigul Palani Main Road, Oddanchatram-624619 Tamil Nadu • Ongole: D.23-1-
7(1),Gandhi Street,Court Centre,Ongole,523001 A.P. • Palakkad (Palghat) Mangalam Towers, Ground Floor, 853/1c, Ward No.4, Block 16, Opp:Town Bus Stand, Palakkad Kerala • Palarivattom: Bldg.No.32/2291, A 10-15, Vasudev
Complex,Palarivattom, Kochi 682025 Kerala • Palayamkottai: 86, North Bazar,Ilangovan S.Bldg,Tiruche Rd,Pb.35,Palayamkottai,,627002 Tamil Nadu • Palayamkottai: High Ground 9h, Idhan Complex, North High Ground Rd,Palayamkottai-627
002 Tamil Nadu • Pallimukku: Shajihan Bldg,Vaddaka Villa,Pallimukka-691010 Kerala • Pallipalayam: No.28, Sankagiri Main Road, Pallipalayam-638066 Tamil Nadu • Panchakula: S.C.O.23,Sec.11,Panchkula,.Kalka,134109 Haryana •
Pandanad: Mithramadom Junction,Pandanad,Tal.Chengannur 689506 Kerala • Pandavpura: Venkateshwara Bdg,,Opp.Mini Vidhana Soudha,Nagamangala,Pandavapura 571434 Karnataka • Panemangalore: Ist Floor, V.V.N. Bldg,Main
Road,Pan Mangalore,Bantval,574231 Karnataka • Panipat: Ist Fl,Near Regency Hotel,Fabrics Building,G.T.Road,Panipat,132103 Haryana • Panjim: Opp.Municipal Gardens,Dr.Atmaram Borkar Rd,Panjim403001 Goa • Patan: Govindji
Complex, Station Road,Patan-384265 Gujarath • Pathanamthitta: I Flr,Tellireth Chamber,81,Pathanamthitta,.Kozhencherry,689645 Kerala • Patiala: Scf 40-41,Gr,Floor, Leela Bhavan Market,Patiala,147001 Punjab • Patna: Opp: Republic
Hotel,Exhibition Road,Patna-800001 Bihar • Periapatna: 825, Santhpet, B.M.Road, Periyapatna 571107 Karnataka • Phagwara Ujager Centre,Scf 101-102,Guru Hargobind Nagar,Phagwara,144401 Punjab • Pilibhit: Station Road, Chhatari
Chauraha, Pilibhit-262001 U.Pradesh • Pollachi 146-A, New Scheme Road, Pollachi-642002, • Pollachi Taluk: Tamil Nadu Ponda G.Floor,Alankar House, 175/25,Ward No.5,Shantinagar Main Road,Ponda-403401 Goa • Pondichery:
R.S.12/2,100 Ft Road. Esr Nateshan Nagar Pudupalayam 605005 • Pondicherry Poothotta: Sy.No.755/9, Bldg No.Upp Vii/222b,G.Floor,Pwd Rd Side,Putenkavu Junction,Poothotta-682307 • Kerala Porbandar: Giriraj Chambers, M.G. Road,
Porbandar- 360575 Gujarath • Porvorim-Goa: Plot No.405, Ambirna, Near Our Lady Of Socorro Church, Po:Porvorim-Goa-403501 Goa • Proddatur: 4/624, Gandhi Road, Proddatur-516360 A.P. • Pudukottai: T.S.No.2731/2a, Shivam Towers, East
CORPORATION BANK (Contd.)
Main Street,Pudukottai-622001 Tamil Nadu • Pune-CAPS: H.2406,Gen.Thimmayya Rd,East Street Camp,Pune,411011 Maharashtra • Puttur: Sy.No.138/2, Main Road, Venkataramana Towers, Opp:Ksrtc Bus Stand, Puttur-574201 Karnataka •
Raichur: 11-9-28,Brestwarpet,Pbno.5,Raichur-584101 Karnataka. • Raigarh Ambikapur Rd, Dhimrapur Chowk, Raigarh-496 001 Chattisgarh • Raipur: I Floor, Navabharath Press Complex, Pb.No117,Rajbandha Maindan, Great Eastern
Road,Raiipur-492001 Chattisgarh • Rajamundry: 8-24-27,Main Rd,V.Ullithota St, Rajahmundry,533101 A.P. Rajkot "Nijanad",Dhebar Road,Pb.No.556,Rajkot-360002 Gujarath • Rajpura: 99a Lic Of India,Jeevan Jyothi Bldg,Gurunank
Colony,Rajpura(Patiala) Punjab • Ramanagar: No.316, 1st Floor, Near Bus Stand, Mysore Road, Ramanagar-571511 Karnataka • Ramanathapuram: Mohammed Sathak Centre, 58/49-54, 2a, Govt.Hospital Road, Ramanathapuram-523501
Tamil Nadu • Ranchi: 50.H.B.Rd,Tharpakhana,Ranchi,834001 Jarkhand • Ranibennur: Lpm Complex, Mg Circle, Near Head Office, Pbno.11,Ranebennur-581115 Karnataka • Ratnagiri: 2 D Wing,Ist Floor, Javkar Plaza, Jai Stambh, Main Rd,
Ratnagiri-415 612 Maharashtra • Rayadurga: D.9-2-295,I Floor,Laxmi Bazar, Pbno.1,Rayadurg,515865 A.P. • Rewari: Haryana Tourist Complex,Circular Road,Naiwala Chowk,Rewari,123401 Haryana • Ribandar-Goa: Goa Institute Of
Management, Ribandar, Panaji-403 006 Goa • Rohtak Scf,13&14 Huda Commercial Complex,Civil Road,Rohtak,124001 Haryana • Rourkela: Door No.72, G.Floor, Opp: Old Court, Udit Nagar, Main Road, Rourkela-769012 Orissa • Rudrapur: C-
51,Awas Vikas,Nainital Road,Rudrapur-263153 Uttaranchal • Sagar: Jayachamarajendra Road, Pb.No.11,Sagar-577401 Karnataka • Sagar MP: No.93, Ward No.2, Gopal Ganj Road, Civil Lines, Sagar-470002 M.Pradesh • Saharanpur Plot 5-6,
Opp.Shagun Palace, Delhi Road, Saharanpur 247001 U.Pradesh • Sakaleshpur: 56, Bm Road, Pbno.5, Hemavathi Complex,Sakleshpur,573134 Karnataka • Salem-Shevapet: Divya Towers I Floor, 49-57, Fort Main Rd, Salem-636 012 Tamil Nadu
• Sangamner: Malpani Plaza, Janta Raja Maidan Road, Sangamner-422605 Maharashtra • Sangareddy: Roshini Complex, Plot No.10-70, Pothireddypalli X Roads, Pothireddypalli, Sangareddy-502001 A.P. • Sangli: R.S.322,Sangli-M Rd,NearB
Tata Petrol Pump,Sangli-416416 Maharashtra • Sangrur: Opp:New Grain Market, Gaushala Road, Sangrur-148101 Punjab • Sankeshwar: "Anand"Azad Road,Pbno.9,Sankeshwar591 313 Karnataka • Satara: Jeevan Tara Bldg(Lic),513,Sadar
Bzr,Ganpatdas Devi Mrg,Satara 415001 Maharashtra • Satna: Rewa Rd, Chaurasia Complex, Semariya Chowk, Satna-485001 M.Pradesh • Shahbad-Markanda: Devi Mandir Rd, Opp:Khalsa Sarbat Bhawan, Shahbad-136135 Haryana •
Shahjahanpur : Seth Enclave, Main Road, Opp:Pwd Guest House, Civil Court Road, Shahjahanpur-242001 U.Pradesh • Shamli: Dheeman Pura,Shamli-247776 U.Pradesh • Shillong: Kesamon House, Ist Floor, Laitumkhrah, Main Road, Shillong-
793003 Meghalaya • Shimoga: M.G.Building,B.H.Road,P.B.No.22,Shimoga-577201 Karnataka • Shirva: Main Road,Shirva-574116 Karnataka • Shirwai: • Amona Iginition Villa,Shirwai Amona,Quepem,.Pimpalcatta,Quepem,403705 Goa •
Sholapur: 162/5,Railway Lines, Raja Bhau Patwrdhan Chowk, Solapur-413001 Maharashtra • Sholinganallur: G.Floor, D.No.21a, Sathya Vanimuthu St, First Avenue, Parameshwarnagar,Sholinganallur,Chennai-600119 Tamil Nadu • Sidlaghatta:
Katha No.1264/857/8, Near Govt Cocon Market, T.B. Road, Sidlaghatta-562105 Karnataka • Siliguri: Geetanjali Complex Ward 43,Holding 801/N, Sevoke Rd, Siliguri 734401 West Bengal • Simla: Shop-228-232 Block-23 Com.Cplx.,Kasumpti Z
Centre,Shimla,171009 Himachal P. • Singalandapuram: 5/88 D,Main Road,Singalandapuram-637412,Rasipuram Taluk Tamil Nadu • Siolim: St.Antony's Church Complex,Community Cnt,Siolim,.Bardez,403517 Goa • Sirsa: Opp.Model School,
New Mandi Road, Sirsa-125 055 Haryana • Sirsi: Balaji Building , Yellapur Road, Hospital Circle, Sirsi-581 402 Karnataka • Sivaganga: No.5, Perumal Koil Street, Sivaganga-630561 Tamil Nadu • Sivakasi: No.12/C, Gandhi Road, Behind Bus
Stand, Sivakasi-626123 Tamil Nadu • Socorro: 755/81/B-4,Saidama Apartmts, Altoporvorim- 403521, Goa • Sohna: No.34/15, Delhi-Alwar Road, Sohna-122103 Haryana • Solan: The Mall, Opp:Sbi, Mall Road, Solan-173212 Himachal P. •
Sonepat: G.Floor,Geetha Bhavan Rd, Near Batra Petrol Pump,Sonepat-131 001 Haryana • Sriganganagar: 13-D Block, Near Gandhi Park, Sriganganagar, Ganganagar 335001 Rajasthan • Srikakulam: No.7-3-18/11, Ramalakshman Theater
Junction,Srikakulam-532001 A.P. • Sriperambudur: 1st Floor, Chellaperumal Nagar, Near Checkpost Arch, Sriperubudur-602105 Tamil Nadu • Sullia: Rajaram Bldg, Main Road,Sullia,574239 Karnataka • Surat: Rockford Business Centre, Upper
First Floor, Suman Desai Ni Wadi, Udhana Darwaja, Ring Road, Surat Gujarath • Surendranagar: Vijay Plaza, Near Mp Shah Arts & Science College, Wadhwan Rd, Surendranagar-363 002 Gujarath • Tadambail: D.6-98a, Ks Towers, 'Suratkal-
574158,Tadambail Village,Mangalore Taluk Karnataka • Tadri Devaki Krishna,Main Road,Tadri,.Kunda,581437 Karnataka • Tanuku No.26-117, N.S.C. Bose Road, Tanuku-534 211 A.P.• Taraori Opp.Hafeed, G.T.Road,Taraori-132 116 Haryana •
Tarapur: Shahajanand Shoping Centre, 1st.Fl,Near Jakatnaka Tarapur,388180 Gujarath • Tenali: 16-2-8, Salipet, Bose Road, Tenali 522201 A.P. • Thalassery(Tellicherry): 19/79 F, Aneez Palace, Avk Nair Road Pb.No.Thalassery,670101 Kerala •
Thalassery-Chirakkara: Empee Towers, T.C. Road,Thalassery-670 104 Kerala • Thanjavur: 1754,Ganesh Complex, Pbno.1, Manogiappa St,Thanjavur,613009 Tamil Nadu • Thirthahalli: Azad Road,Pbno.8,Tirthahalli-577432 Karnataka •
Thiruvaiyaru: No.19, Main Road, Palakkarai, Thiruvaiyaru-613204 Tamil Nadu • Thiruvananthapuram: 25/298(1), Govt, Press Road, Pb. No.131, Thiruvananthapuram - 695001 Kerala • Thokkottu: 24-98(8), Hariprasanna Complex, First Floor,
Nh.17, Bhatnagar, Thokkottu-575020 Karnataka • Thrikkaruva : Bhaskar Bldg,Main Road,Thrikkaruva,P.O.Kanjaveli,.691602 Kerala • Thrissur: (Trichur) Xxviii/72/2,I Floor,Perinchery's Bldg,Round North,Pbno.34,Thrissur,680001 Kerala • Tiptur
Gr.Flr,Near Indian Oil Petrol Pump,B.H.Road,N.H.206,Tiptur - 572201 Karnataka • Tiruchirapalli: "Rohini Rainbow",No.9,First Cross(East),Thilli Nagar,Tiruchirapalli-620017 Tamil Nadu Tiruchirapally-Junction: United India Building,
Tiruchirapally-620001 Tamil Nadu • Tirunelveli: Hotel Blue Star Bldg.33,Madurai Road,Pb.No.73, Tirunelveli,627001 Tamil Nadu • Tirupati A.G.K.Bldg.,37,Gandhi Road,Tirupati,517501 A.P. • Tirupur: G.Floor, 300/1, Mangalam Road, Tiruppur-
641604 Tamil Nadu • Tirur: Tpccms Building,Pbno.74, Thazhepalam,Tirur,676101 Kerala • Tiruvalla: Chandrika Bld,Cross Junction,Pbno.57,Thiruvalla,689101 Kerala • Tiruvallur: Tp Viii/1370, Po Pomeri, Thiruvalloor-673541 Kerala •
Tiruvananthapuram-Nallanchira-PBB: K.P.Ii,641/C,M.C.Road,Thiruvananthapuram, P.O.Nallanchira,695015 Kerala • Tonca: Gr.Flr., Pai Bhavan, 22-A& 23-B-1,Tonca,Caranzalpam, Panaji,403003 Goa • Toopran: H No 12-108,District
Medak,Toopran,502334 A.P. • Tumkur: G.Floor, Kasturi Mansion, Beside Sri Krishna Kalyana Mandir, 'M.G.Road Pbno.39,,Tumkur,572101 Karnataka • Tuni: D.8-11-11, Bellapu Street,Tuni,.Tuni,533401 A.P. • Tuticorin: Ground Floor, 51, Beach
Road, Tuticorin 628001 Tamil Nadu • Udaipur-CPBB: Shop Nos.16-17-18,Nagarapalika Link Road,Town Hall,Udaipur,313001 Rajasthan • Udupi Corporation Bk.Bldg.15,Udupi-576101 Karnataka • Ujjain: Lic Of India - Ujjain, 18 Lic Building,
Bharathpuri, Ujjain - 456010 M.Pradesh • Ullas Nagar-CPBB: Block No.C-10/37, Baba Apartments, Kaccharam Rd,Ulhasnagar,421003 Maharashtra • Ummannoor: Paravilla Bldg, Ommannoor691547,,.Kottarakara Kerala • Unjha: D.No.9/14/05-
06,Opp:Poonam Complex,Staion Road,Unjha-384170 Gujarath • Vadakkekad(Mukkilapeedika): 1st Fl,Irinhipady Bldg,Main Rd,Mukkilapeedika,Yadakkekad-679562 Kerala • Vaderahobli: Raghu Complex I Floor N.H.17,Main Rd,Vaderahobali,
P.O.Kundapura,576201 Karnataka • Vadodara: D.B Pratik Chambers,Main Road,Dandia Bazar,Vadodara,390001 Gujarath • Vallabh: Vidyanagar-CPBB Ram Jyot-Iii Apartment, Mota Bazar, Vallabh Vidya Nagar, -388120 Gujarath • Varanasi: D-
48/126,I Floor, Girijaghar,Godowlia,Pbno.1009,Varanashi,221001 U.Pradesh • Varapuza: Thenamkodath Bldg, Survey No.308/13/1, Puthenpally, Varapuzha-683517 Kerala • Varkala: 6/335,Ist Floor,Station Road,Varkala,Varkala,695141 Kerala •
Vayalar: Viii/17a, Nagarkulangara Aplpuzha,Vayalar East-688536 Kerala • Vellore: Camp Bell Home, Officers Line,Pbno.405,Vellore-632004 Tamil Nadu • Vidisha: No.5 & 6, Arihant Vihar Road, Vidisha-464001 M.Pradesh • Vidyanagar-
Margao: Near Old Chougulay College, 'Vidyanagar,P.O.Margao,403601 Goa • Vijayawada-Main: D.12-11-67 Harper Square,R.R.Apparao St,174,Vijayawada,520001 A.P. • Villupuram: No 6,Pandit Jawaharlal Nehru Rd,Villupuram,605602
Tamil Nadu • Virajpet 70/3-4,V Block Near Clock Tower,Pbno.2,Virajpet-571218 Karnataka • Vishakapatnam: 29-2-35,G.Floor,Alipuram Opp:Dist.Court,Jagadamba Circle,Visakhapatnam 530020 A.P.• Vizianagaram: 8-1-180,I Fl, Daba Gardens,
Mg Rd, Vizianagaram,Vizianagaram . A.P. • Vizianagaram: Lower Tankbund Rd Tank Bund Road, Vizianagaram-535003 A.P. • Wardha: Murlidham, Indira Market Rd, Opp. Dr.Jangle's Dispensary, Wardha-442001 Maharashtra • Warrangal:
G.Floor,No.9-1-3, J.P.N. Road, Beside Sbh Zonal Office, Warangal-506002 A.P. • Yamuma Nagar: Ambala Jagadhri Road,Near Telephone Exg.,Yamuna Nagar,135001 Haryana.
CITIBANK
• Ahmedabad: 3rd Flr,"Rembrandt" C.G Road, Near Panchvati Circle Ahmedabad 380 006. • Aurangabad: CTS no 498, Nirala Bazaar, Opp. S.B. College Bus stop. Aurangabad 431001.• Bangalore: 506,5th Flr,Prestige Meridian 2, 30 Mahatma
Gandhi Road, Bangalore 560 001. • Bhopal: 133 Zone1 KayKay Business Centre,M P Nagar,Opp Hotel Residency Bhopal 462011. • Bhubaneshwar: Unit 3 ,98 Janpath station square Bhuba 751001. • Chandigarh: SCO132/133,Sector 9C,Madhya
Marg Chandigarh 160 017. • Chennai: GTS, 3rd Flr, No.2 Club House Road, Chennai 600 002. • Coimbatore: 1st Flr, Tristar Towers, 657 Avinashi Road Coimbatore 641 037. • Hyderabad: Citibank N.A , 1st Floor, Queens Plaza, S.P. Road,
Begumpet, Secunderabad :- 500003 Hyderabad 500003. • Indore: UG 1, Apollo Square,7/2 Race Course Road,Opp Narayan Kothi,Sawarkar Pratima Chowk Indore 452007. • Jaipur: 2nd Flr,Bhagwati Bhawan, Govt Hostel Crossing,MI Road, 2nd
Floor Jaipur 302 001 • Jalandhar: 36 Gobind niwas, G T Road Jalandhar 144001. • Kochi: Fotofast House,38/1581,M G Road,Padma Junction Kochi 682 035. • Kolkata: Kanak Bldg,1st Floor 41,Chowringhee Road, Kolkata 700 071. • Lucknow:
17/1, Amren House, Ashok marg, lucknow 226001. • Ludhiana: Ludhiana Stock Exchange, Ground Flr ,Feroze Gandhi market, Ludhiana 141 001. • Mumbai: 4th Floor, 224 Dr. D.N. Road,Fort House, Fort Mumbai 400 001. • Nasik: Rishuraj
Presidency,Plot No.52 & 53,D'souza Colony, College Road Nasik 422005. • New Delhi: 4th Flr., Jeevan Bharti Bldg 124, Connaught Circus, New Delhi 110 001. • Pondichery: No.22,Rue Bussy St,Lal Bahadur Shastri St. Pondi 605001. • Pune:
Parmar house ,2413 East Street,Camp Pune 411001. • Surat: 1st floor, 14 adrsh society, opp kakadia complex, Ghoddod Rd. Surat 395007. • Vadodara: Pelican, 1st Floor , Opposite Race Course Towers,Gotri Rd, Vadodara 390007. • Vapi: The
Emperor, 1st Floor, Vapi-Daman Road, Chala Vapi 396191. • Akola: Citibank N.a Yamuna tarang complex, Plot no 2, National Highway - 6 Akola 444004. • Nanded: Gut no -120, Malegaon Rd, Taroda(Khurd) Clamation, Nanded 431605.
AXIS BANK
Agartala: Banik Tower, Hg Basak Road Agartala 799 001, Tripura. • Agra: Ground Floor, Block No.41/4A Friends Tower Sanjay Place, Agra - 282 002 (U.P.) • Ahmedabad: 'Trishul', Opposite Samartheshwar Temple Law Garden, Ellis Bridge,
Ahmedabad 380006, Gujarat. • Ahmednagar: Hotel Sanket Complex 189/6, Tilak Road Ahmednagar 414001, Ahmednagar District, Maharashtra. • Aizawl: House No. A/69/A, Chanmari Aizawl 796 007, Mizoram. • Ajmer: AMC No.481-
485/10,Kutchery Road India Motor Circle,Ajmer 305 001 Rajasthan. • Aligarh: Omji Complex, Ramghat Road Niranjan Puri, Aligarh 202 001 Uttar Pradesh. • Allahabad: 28B, Civil Station M.G. Marg, Civil Lines Allahabad 211 001, Uttar Pradesh. •
Ambala: Lic Office, Ambala Cantonment Jeevan Jyoti Building, Lic Office Jln Marg, Jagadri Road, Ambala Cantt.-133001, Haryana. • Amravati: Ground Floor, Gulshan Tower Mofussil Plots, Near Panchsheel Talkies, Nh No. 6 Near Jaistambh Chowk,
Amravati 444 601, Maharashtra. • Amreli: Om Nagnath Complex Near Nagnath Temple Amreli 365 601, Gujarat. • Amritsar: 29, Kennedy Avenue, Court Road Amristar 143001 Amristar District, Punjab. • Anantapur: No.1946, Nithin Complex
Saptagiri Circle, Subhash Road, Anantapur 515 001, Andhra Pradesh. • Asansol: Purbasha Banquet Hall, Apurba Complex, Apcar Garden, Sen Raleigh Road, Asansol 713 304. • Atul: Quarter No. Ao/5 Atul Complex, Opp. State Bank Of India Atul
396 020, Dist. Valsad. • Aurangabad: 'Sakar Building' Adalat Road, Near Kranti Chowk Aurangabad 433 001, Maharashtra. • Ballabgarh: Plot No.40,Sco, Sector 7 Ballabhgarh, Faridabad 121 006,Haryana. • Bangalore: No. 9, M. G. Road, Block A,
Bangalore 560001. • Baramati: Plot No.485,'Guddi' Building Bhigwan Road Baramati 413 102, Maharashtra. • Bareilly: 148, Civil Lines, Bareilly 243 001 Uttar Pradesh • Belgaum: Cts No. 5854, Congress Road Tilakwadi, Belgaum 590 006
Karnataka. • Berhampur: (Ganjam) Time World, Plot No. 1195 Ward No. 20 Tata Benz Square Berhampur 760 005 Ganjam District, Orissa. • Bhagalpur: 34, Patal Babu Road Bhagalpur 812 001,Bihar. • Bharuch: Shri S'Ad Vidya Mandal Institute Of
Technology Old National Highway No. 8 Bharuch 392 001, Gujarat. • Bhavnagar: Plot No.6 B Opposite Dakshinamurthy School Waghawadi Road Bhavnagar 364 002, Bhavnagaaar District, Gujarat. • Bhilai: Block A, Plot No. 5 Utttar Gangotri Off. G E
Road, Supela Chowk Bhilai 490 020, Durg District, Chhatisgarh. • Bhilwara: Ganpati Enclave, Heera Panna Campus Opp. Nahar Brothers Petrol Pump Pur Road, Bhilwara 311 001, Rajasthan. • Bhopal: Star Arcade, Plot No.165 A & 166 Zone - I,
M.P.Nagar, Bhopal -462 011. • Bhubaneshwar: C/O. Archbishop'S House Satyanagar, Bhubaneshwar 751 007. • Bikaner: Shree Gaurav Complex, Daga Maidan Near Dak Bunglow and Railway Station Rani Bazar Road, Bikaner 334 001,
Rajasthan. • Bilaspur: Rama Trade Centre Opposite Rajiv Plaza, Near New Bus Stand Bilaspur, Chhatisgarh 495001. • Bokaro: Hotel Blue Diamond, Ground Floor 15 D/1, Western Avenue Bokaro Steel City, Bokaro 827 001, Jharkhand. • Calicut
(Kozhikode): "Karupalli Arcade" Ymca Cross Road Calicut 673 001, Kerala. • Chandigarh: SCO 343-344, Sector 35-B, Chandigarh 160 022. • Chennai: 82, Dr.Radhakrishnan Salai Mylapore Chennai 600 004. • Cochin (Kochi): 41/419, Ground
Floor, Chicago Plaza, Rajaji Road Ernakulum, Kochi - 682 035. • Coimbatore: Vigneswar Cresta, No.1095, Avinashi Road Pappanaickenpalayyam, Coimbatore - 641 037. • Cuttack: Jayashree Plaza, 34, Dolamondai, Badambadi Cuttack 753 009.
• Darjeeling: Maryland Resorts Ltd., Rink Mall 16-22, Laden la Road, Opposite General Post Office Darjeeling 734 101, West Bengal. • Davanagere: No. 821, Renuka Extension Onkarappa Lane, P.B. Road Davangere 577 002, Karnataka. •
Dehradun: 56, Raipur Road Dehradun 248 001. • Dewas: Lic Of India, Dewas Branch Office No. 1, Moti Bungalow A. B. Road, Dewas 455 001, Madhya Pradesh. • Dhanbad: Shri Ram Plaza, 1St Floor, Bank More Dhanbad 826 001, Jharkhand . •
Dimapur: Circular Road, Near City Tower Dimapur 797 112, Nagaland. • Durgapur: No. 101/N, Sahid Khudiram Sarani City Center, Durgapur 713 216 District Barddhaman, West Bengal. • Erode: R.S. No. 418/2, Adjoining Sudha Nursing Home
Perundurai Rd., Veerappan Chathiram Panchayat Erode 638 011, Tamil Nadu. • Faizabad: Plot No. 2/1/6, Opposite Circuit House Civil Lines, Faizabad 224 001, Uttar Pradesh. • Faridkot: B-VI/65, Circular Road Faridkot 151 203, Punjab. •
Ferozepur: ES-30/3, Harji Niwas 1-The Mall Ferozepur City 152 002, Punjab. • Gandhidham: Plot No.349, Sector 12/B Gandhidham 370201 Kachchh District, Gujarat. • Gangtok: New Market, M.G. Road, Opp. Hotel Tashe Delek Gangtok 737 101,
Sikkim. • Ghaziabad: Plot No. Iii, N/30 Ambedkar Road, Nehru Nagar Ghaziabad 201001, Uttar Pradesh. • Gorakhpur: Plot No. 560, Mohalla Purdilpur AD Chowk, Bank Road Gorakhpur 273 001, Uttar Pradesh. • Guntur: 1St Floor, P. R. Raju Plaza,
11-1-1 Naaz Centre, Guntur 522 001. • Gurgaon: SCO-29, Sector-14,Near HUDA Office Old Delhi-Gurgaon Road,Gurgaon-122001 Haryana. • Guwahati: Ground Floor, Chibber House G.S. Road, Dispur, Guwahati 781 005, Assam. • Gwalior:
Ground Floor, Kanwal Complex, Shrimant Madhavrao Scindia Marg, Gwalior 474002 Madhya Pradesh. • Haridwar: 6, Hari Nagar, Opposite Hotel Classic Residency Main Haridwar-Delhi Road Haridwar 249 407, Uttaranchal. • Hissar: Sco No. 177
Commercial Urban Estate No.1, Hissar 125 001, Haryana. • Hubli: Kalburgi Plaza 163/20A, Main Road, Deshpandenagar Hubli 580 029, Karnataka. • Hyderabad: 6-3-879/B, G. Pulla Reddy Bldg. First Floor, Begumpet Road Hyderabad 500 016. •
Indore: Kamal Palace 1, Yeshwant Colony Y N Road, Indore 452003. • Itanagar: Teli Plaza, Near MLA Cottage E Sector, National Highway 52A Itanagar 791 111, Arunachal Pradesh. • Jabalpur: 124, Napier Town Commercial Automobiles Building
Shastri Bridge Chowk, Jabalpur 482001, Madhya Pradesh. • Jaipur: O-15, Green House Ashok Marg, C-Scheme Jaipur 302 001. • Jalgaon: Patel Plaza, C S No. 2683, A1/17 M G Road, Jalgaon 425 001, Maharashtra. • Jallandar (Jalandhar): 50,
Badri Dass Colony, Mahavir Marg Near Bmc Chowk, Jalandhar 144 001, Punjab. • Jalna: Head Post Office Road Jalna 431 203, Maharashtra. • Jalpaiguri: A C College Of Commerce, Jalpaiguri Bdc Road, Jalpaiguri 735 101 West Bengal. • Jammu:
Ground Floor, Highland Tower Rail Head Complex Jammu 180 004, J & K State. • Jamnagar: Matru Ashish Opposite St. Anne'S School Pandit Nehru Marg, Jamnagar 361 008, Gujarat. • Jamshedpur: Voltas House Near Ram Mandir, Bistupur
Jamshedpur 831 001. • Jhansi: City Plaza Building Natraj Cinema Complex Civil Lines, Jhansi 284 001, Uttar Pradesh. • Jodhpur: Showroom No.4 Panchratan Apartments 818, Chopasni Road, Jodhpur 342 001. • Kannur (Cannanore): Peekay
Commercial Complex, Nr. Pothery Nursing Home Muneeswarankoil Road Kannur 670 001, Kerala. • Kanpur: 18/179, The Mall,, Opp Phool Bagh Kanpur 208 001, Dist-Kanpur Uttar Pradesh. • Kapurthala: 1St Floor, Nanha Complex, Mall Road
Kapurthala, Punjab 144 601. • Karimnagar: Business Towers, Mukarrumpura Karimnagar 505 002, Andhra Pradesh. • Kolhapur: Ground Floor Hotel 'Panchshil' Building, 517, Shivaji Park Station Road, Kolhapur 416 001, Maharashtra. • Kolkata:
Ground & First Floors 7, Shakespeare Sarani Kolkata 700 071. • Kollam (Quilon): Vaidya Commercial Arcade Asramam Road, Chinnakada Kollam 691 008, Kerala. • Kota: 414, Shopping Centre Kota 324 007, Rajasthan. • Kottayam: No.Ix - 311, A/ 2
Century Towers, Near Ywca M.C.Road, Kottayam - 686 001. • Krishnanagar (Wb): 12, M.M. Ghosh Street Opposite Town Hall, Near Main Post Office P.O. Krishnanagar, District Nadia, Pin 741 101, West Bengal. • Kurnool: 40/581, S.V. Complex
R.S. Road, Kurnool 518 004 Andhra Pradesh. • Lucknow: Halwasiya House 11, M. G. Road Hazratganj, Lucknow - 226 001. • Ludhiana: Shop No.3, Lgf Surya Towers 108, The Mall, Ludhiana (Punjab) 141 001. • Madurai: Door No. 4 Goods Shed
Street Madurai 625 001, Tamil Nadu. • Malda: Malda Muslim Institute 1 K J Sanyal Road P.O. and Dist. Malda, PIN 732 101, West Bengal. • Malout: Khasra No.1792, Khatouni No.960 Khewat No.689, G T, Road, Malout 152107 Muktasar District,
Punjab. • Mangalore: Essel Towers, Bunts Hostel Circle Mangalore - 575 003. • Mapusa: Edean Center, Near Aldona Bus Stand Angod Mapusa 403507. • Margao: Shop No. 1, 2,3 Garden View Padre Miranda Road, Margao, Salcete, Goa 403 601. •
Meerut: Hotel Crystal Plaza G -2/47,Civil Lines Boundary Road Meerut 250 001, Meerut District Uttra Pradesh. • Mehsana: Shop No. 1 To 5 (Ground Floor) Sakar Centre Point, Near Nagalpur College Highway Road, Mehsana, Gujarat 384 002.
Mohali: SCF 113 & SCF 114 Phase-VII, Sector 61 S A S Nagar, Mohali 160 062, Punjab. • Moradabad: No.8/10/6, Sarai Khalsa Civil Lines, Near Head Post Office Moradabad 244 001, Uttar Pradesh. • Mumbai: Universal Insurance Bldg. Ground Floor
Sir. P. M. Road, Fort, Mumbai 400 001. • Mussoorie: Garhwal Mandal Vihas Nigam Ltd (Gmvn) Hotel Garhwal Terrace, The Mall Road Mussoorie 248 179, Uttaranchal. • Muzaffarpur: RD Complex, Club Road Kalyani, Muzaffarpur 842 001 Bihar. •
Mysore: Haripriya Complex, Temple Road V V Mohalla, Mysore 570 002. • Nadiad: Sheth Mahagujarat Hospital College Road, Nadiad 387001. • Nagercoil: Thayammal Harris Towers No. 42, Court Road Nagercoil 629 001, Kanyakumari District. •
Nagpur: 1St Floor, Sanskrutik Sankul Jhansi Rani Square Sitabuldi, Nagpur - 440 012. • Nanded: “Nikhil Heights” Vazirabad - Bus Stand Road Nanded 431 601, Maharashtra. • Nasik: Malpani Pride, Behind Raymond Retail Shop New Pandit Colony,
Sharanpur Road Nashik 422 005, Maharashtra. • Navsari: Building 'A', Prem Anand Co-op Housing Society Ltd. Near Lunsikui Ground Navsari Gandevi Road, Navsari, Gujarat 396 445. • Nellore: Door No.22/1223/A-1, G T Road, Near Rtc Depot
Nellore 524 003, Andhra Pradesh. • New Delhi: "Statesman House" 148, Barakhamba Road New Delhi 110 001. • Noida: B2-B3, Sector 16 Noida, U.P. - 201 301. • Panipat: 515-515B, Ward No. 8 Gaylord Hotel Building G.T. Road, Panipat 132 103,
Haryana. • Panjim: Atmaram Commercial Complex, Dr. Atmaram Borkar Road, Opp. Hotel Nova Goa Panjim- 403 001. • Panvel: Rajje Complex, Plot No 198 A Shiivaji Chowk Panvel 410206. • Patan: Shridev Complex Opposite Gpo, Station Road
Patan 384 265, Gujarat. • Pathanamthitta: Kunnithottathil Plaza General Hospital Road Pathanamthitta 689 645, Kerala. • Patiala: 4464/5, Rajwara Road Opposite Head Post Office, The Mall Road Patiala 147 001, Patiala District, Punjab. • Patna:
Saket Towers, S.P. Verma Road Patna 800 001, Bihar. • Pondicherry: No.164 Bussy Street Pondicherry 605 001 • Porbandar: Building Of P H Wadia & Sons Ground Floor, M.G. Road Opposite State Bank Of India, Porbandar 360 575, Gujarat. •
Pune: Sterling Plaza, Plot No.1262/B Jangli Maharaj Road Near Deccan Gymkhana, Pune 411004. • Raipur: Opp. New Bus Stand, Jeevan Bima Marg Pandri, Raipur (C.G.) 492 004, Chattisgarh. • Rajahmundry: D. No. 7-27-8 Vygram Road, T.
Nagar Rajahmundry 533 101, Andhra Pradesh. • Rajkot: Aradhana, Nr. Bank Of Baroda, Kalawad Road Rajkot - 360 001. • Ranchi: No. 4, 5 A, 5B, Ward No. 15, Ground Floor Below Bata Showroom, Main Road, Albert Ekka Chowk Ranchi 834001,
Jharkhand. • Ratnagiri: Ground Floor, Hotel Vihar Deluxe Mal-Naka, M.D. Naik Road Ratnagiri 415 612, Maharashtra. • Rishikesh: Bharat Bazaar, 16, Adarsh Gram Dehradun Road, Rishikesh 249 201. • Rohtak: Shop No. 1, Munjal Complex, Delhi
Road Rohtak 124 001, Haryana. • Roorkee: 343/29, Civil Lines Roorkee 247 667 Uttaranchal. • Rourkela: Ground Floor, Mangal Kunj Kachery Road Rourkela 769 012, Orissa. • Salem: Door No. 115-1A, Sharptronics Shopping Complex Opposite
Tvs, Omalur Main Road Salem 636 009, Tamil Nadu. • Sangli: City Survey No. 32/A Ambrai Road, Azad Chowk Sangli 416 416, Maharashtra. • Satara: Abanjani, S No. 257 Plot No.2, Bhosale Mala G D Tapase Marg, Satara 415 009, Maharashtra. •
Satna: Upper Ground Floor Tiwari Towers, Rewa Road Satna 485 001, Satna District, Madhya Pradesh. • Shillong: O.B. Shopping Mallm, Police Bazar Junction Jail Road, Shillong 793 001 Meghalaya. • Shimla: Gf/Ff, Durga Cottage Commercial
Complex Kasumpti, Shimla - 171 009. • Shimoga: G.R. Prabhu Arcade JPN Road, 1st Cross Shimoga 577 201, Karnataka. • Silchar: “Chowchakra Complex” Shyama Prasad Road, Shillong Patty Silchar 788 001, Assam. • Siliguri: Spectrum House
Sevoke Road Siliguri 734 401, West Bengal. • Sivakasi: # 64, N R K R, Rajarathnam Street Sivakasi 626 123,Tamil Nadu. • Solapur: Ground Floor, Kanale Kalyan Mandap, Dufferin Chowk Railway Lines, Solapur 413 001 Maharashtra. • Surat:
Digvijay Towers Opp. St. Xavier'S School Ghod Dod Road, Surat - 395 001. • Surendranagar: Ajmera Chambers, S. T. Road Surendranagar 363 002 Gujarat. • Thiruvananthapuram (Trivandrum): 2/2421, Condor Plaza M.G. Road, Pattom
Thiruvananthapuram 695 004, Kerala. • Thrissur (Trichur): City Centre Xxv/1130, Round West Thrissur - 680 001. • Tirunelveli: 12, East Car Street Tirunelveli 627 006 Tamil Nadu. • Tirupur: 3, Court Street Tirupur 641 601 Coimbatore District, Tamil
Nadu. • Thiruvalla: 1St Floor, Mar Thoma Building M.C. Road, Tiruvalla 689 101, Kerala. • Trichy (Tiruchirapalli): No.75 E/1, Salai Road Near Thillai Nagar Arch Thillai Nagar, Tiruchirapalli 620 018, Tamil Nadu. • Tuticorin: "V.V.D. Mahaal", 181
Palayamkottai Road Tuticorin 628003, Tamil Nadu. • Udaipur: 151-152, Ground Floor Parihar Bhawan, Chetak Marg Udaipur, Rajasthan 313 001. • Ujjain: Ground Floor, Hotel Ashray 77, Dewas Road Ujjain 456 010, Madhya Pradesh. • Vadodara:
Vardhaman Complex Opp GB Circle, Near Pizza Hut Race Course Circle (South), Vadodara 390 015. • Vallabh Vidyanagar (Anand): Shiv Shalin Complex Opp. Chemistry Department, Near H. M. Patel House Dsit : Anand, Gujarat, Vallabh
Vidyanagar - 388 120. • Valsad: Shop Nos. 1, 2 & 4, Halar Road Valsad - 396 001, Gujarat. • Vapi: Hotel Fortune Galaxy Complex Commercial Plot No. C7/67, P.N.H. No. 8 Near Koparli Road, G.I.D.C. Vapi 396 195, District Valsad, Gujarat. • Varanasi:
C-19/134, M-B, Ground & First Floor Shastri Nagar, Sigra Varanasi 221 002, Uttar Pradesh. • Vasco: Heritage, Ground Floor Swatantra Path, Opposite Sapna Terraces Vvasco-Da-Gama 403 802, Marmagoa, Goa. • Vijaywada: Ground Floor, D No.
59A 1-7 Matha Towers, Ring Road Near Benz Circle, Vijayawada 520008. • Vishakhapatnam: (Gajuwaka) Arjun Arcade, Nh-5, Old Gajuwaka Vishakhapatnam - 530 026. • Yavatmal: Ground Floor,Nagar Parishad Commercial Complex Azad Maidan
Road, Yavatmal 445 001, Maharashtra.

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Birla Sunlife Capital Protected Fund

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Scheme Information Document

Birla Sun Life

RATED AAA(so) BY CRISIL

This Scheme Information Document is dated January 25, 2010.

HIGHLIGHTS OF THE SCHEME..…………………………………………………………. 3

Section II – INFORMATION ABOUT THE SCHEME……………………………………. 13

Section III - UNITS AND OFFER………………………………………………………….. 23

Section IV – FEES AND EXPENSES……………………………………………………… 31

Section V - RIGHTS OF UNITHOLDERS…………………………………………………. 32

Section VI - PENALTIES, PENDING LITIGATION OR PROCEEDINGS, FINDINGS

HIGHLIGHTS OF THE SCHEME

STANDARD RISK FACTORS

SCHEME SPECIFIC RISK FACTORS

Risk Factors associated with Equity & Equity related securities:

Risk Factors associated with investments in Debt Securities:

Risks Factors associated with investments in Securitised Debt:

Risks Factors associated with Asset Backed Securities (ABS)-Auto Loans

Risk Factors associated with investments in Derivatives:

Risks Factors associated with Stock Lending:

Risks Factors associated with Short Selling:

B. REQUIREMENT OF MINIMUM INVESTORS IN THE SCHEME

“Business Day” A day other than:

of deposit, usance bills, Collateralized Borrowing and Lending Obligations

E. DILIGENCE BY THE ASSET MANAGEMENT COMPANY

Due Diligence Certificate

For Birla Sun Life Asset Management Company Ltd.

PLACE: Mumbai Rajiv Joshi

Section II – INFORMATION ABOUT THE SCHEME

A. TYPE OF THE SCHEME

C. ASSET ALLOCATION AND INVESTMENT PATTERN

Change in Asset Allocation

Debt Market In India

• Zero Coupon Bonds

Instrument Yield Range (% per annum)

(v) Position limit for each scheme of a Mutual Fund

Stock Lending by the Scheme:

Investment Process and Recording of Investment Decisions

Investment in other Schemes

Investments by the AMC in the Scheme

Investment of Subscription Money

Borrowing by the Mutual Fund

Stock Selection Strategy

Name Age Portfolio Educational Experience

Other Schemes managed by Mr. Satyabrata Mohanty

I. INVESTMENT RESTRICTIONS FOR THE SCHEME

Section III - UNITS AND OFFER

A. NEW FUND OFFER

This is the price per unit that

fractional units are calculated as a result of the application

partnership deed and Certificate of Registration should be submitted.

The application forms can also be submitted at the designated offices /

Subscription through Stock Exchange Platform for Mutual Funds:

Automatic Switch of Redemption proceeds on Maturity (Auto

B. ONGOING OFFER DETAILS

This is the price you need to

outs (to other

This is the price you will

holding units in physical form.

Bank Details: In order to protect the interest of investors from

D. COMPUTATION OF NET ASSET VALUE

Section IV – FEES AND EXPENSES

A. NEW FUND OFFER EXPENSES