HDFC Eqty2010

Name & Type of Scheme HDFC Growth Fund (HGF) (An Open-ended Growth Scheme)
Investment Objective To generate long term capital appreciation from a portfolio that is invested predominantly in equity and equity-related
instruments.
Asset Allocation Types of Instruments Normal Allocation
Pattern of the Scheme (% of Net Assets)
Equities & Equity related instruments 80 - 100
Debt Securities, Money Market instruments & Cash (including money at call) 0 - 20
The Scheme may seek investment opportunity in the ADR / GDR / Foreign Equity and Debt Securities subject to SEBI
(Mutual Funds) Regulations, 1996. Maximum exposure to investment in Foreign Debt Securities will be restricted to 20%
of the net assets. The Scheme may use derivatives mainly for the purpose of hedging and portfolio balancing (max. 20%
of net assets) based on the opportunities available subject to SEBI (Mutual Funds) Regulations, 1996. The Scheme will not
invest in Foreign Securitised Debt.
Risk Profile of the Scheme Please refer to pages 17-18 for details.
Plans and Options Plans : • Nil
Options : • Growth Option • Dividend Option
Dividend Option offers Payout and Reinvestment facility.
Applicable NAV (after The NAV applicable for purchase or redemption or switching of units will be based on the time of the Business Day on
Scheme opens for which the application is accepted. Please refer to page 17 for further details.
Repurchase and Sale)
Minimum Application Purchase Additional Purchase Repurchase
Amount / Number of
Units (Under each Plan Rs. 5,000 and any amount thereafter. Rs. 1,000 and any amount thereafter. Rs. 500 or minimum of 50 units
/ Option)
Despatch of Repurchase Within 10 Working days of the receipt of the redemption request at the official points of acceptance of HDFC Mutual
(Redemption) Request Fund.
Benchmark Index BSE SENSEX
Dividend Policy Please refer to page 17 for details.
Name of the Fund Manager Srinivas Rao Ravuri
Name of the Trustee HDFC Trustee Company Limited
Company
Performance of the Scheme HDFC Growth Fund - Growth Option Absolute Returns for each Financial Year for last 5 years^
(as at July 31, 2009) Returns Benchmark
(%)^ Returns (%)#
Last 1 year (365 days) 8.70* 9.16*
Last 3 years (1096 days) 18.40** 13.39**
Last 5 years (1827 days) 29.01** 24.80**
Since Inception (3245 days)*** 22.73** 14.51**
^ Past performance may or may not be sustained
in the future
*Absolute Returns
**Compounded Annualised Returns
***Inception Date September 11, ’00
# SENSEX
‡ Due to an overall sharp rise in the stock prices
Expenses of the Scheme Continuous Offer Period
(i) Load Structure Entry Load: Not Applicable
Pursuant to 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. Upfront commission shall be paid directly by the investor to the ARN Holder (AMFI registered
Distributor) based on the investors’ assessment of various factors including the service rendered by the ARN Holder.
Exit Load :
• In respect of each purchase / switch-in of Units less than Rs. 5 crore in value, an Exit Load of 1.00% is payable if Units
are redeemed / switched-out within 1 year from the date of allotment.
• In respect of each purchase / switch-in of Units equal to or greater than Rs. 5 crore in value, no Exit Load is payable.
Also refer to page 17 for details. Please refer SIP/STP enrolment form or contact nearest Investor Service Centres (ISCs) for
SIP/STP load structure.
The Trustee reserves the right to change / modify the load structure from a prospective date.
(ii) Recurring Expenses First Rs. 100 crores 2.50
(% of weekly average Next Rs. 300 crores 2.25 Actual expenses for the previous financial year ended
Net Assets) Next Rs. 300 crores 2.00 March 31, 2009 (Audited) : 2.08% p.a.
Balance 1.75
Waiver of Load for Direct Not Applicable. Please refer to page 17 for details.
Applications
Tax treatment for the Investors are advised to refer to the Section on ‘Taxation on investing in Mutual Funds’ in the ‘Statement of Additional
Investors (Unit holders) Information’ and to consult their own tax advisors with respect to the specific amount of tax and other implications arising
out of their participation in the Scheme.
Daily Net Asset Value (NAV) The NAV will be declared on all Business Days and will be published in 2 newspapers. NAV can also be viewed on www.hdfcfund.com
Publication and www.amfiindia.com. Investors may also contact any of the Investor Service Centres (ISCs) of HDFC Mutual Fund.
For Investor Grievances, Please refer to page 17 for details.
Please contact
Unit holder’s Information Please refer to page 17 for details.
Key Information Memorandum 1

Name & Type of Scheme HDFC Equity Fund (HEF) (An Open-ended Growth Scheme)
Investment Objective To achieve capital appreciation.
Debt and Money Market instruments* 0 - 20
*Investment in Securitised debt, if undertaken, would not exceed 20% of the net assets of the Scheme.
The Scheme may seek investment opportunity in the ADR / GDR / Foreign Equity and Debt Securities (max. 40% of net
assets) subject to SEBI (Mutual Funds) Regulations, 1996. The Scheme may use derivatives mainly for the purpose of hedging
and portfolio balancing (max. 25% of net assets) based on the opportunities available subject to SEBI (Mutual Funds)
Regulations, 1996.
Amount / Number of
/ Option)
Benchmark Index S&P CNX 500. HDFC Equity Fund, which is benchmarked to S&P CNX 500 Index is not sponsored, endorsed, sold or promoted
by India Index Services & Products Limited (IISL). IISL is not responsible for any errors or omissions or the results obtained from
the use of such index and in no event shall IISL have any liability to any party for any damages of whatsoever nature (including
lost profits) resulted to such party due to purchase or sale or otherwise of such product benchmarked to such index.
Name of the Fund Manager Prashant Jain
Company
Performance of the Scheme HDFC Equity Fund - Growth Option Absolute Returns for each Financial Year for last 5 years^
(%)^ Returns (%)#
Last 1 year (365 days) 23.67* 8.89*
Last 3 years (1096 days) 17.48** 13.66**
Last 5 years (1827 days) 30.63** 22.71**
Last 10 years (3654 days) 28.37** 15.30**
Since Inception
(5325 days)*** 22.26** 9.71**
^ Past performance may or may not be sustained
in the future
*Absolute Returns
***Inception Date January 01, ’95
# S&P CNX 500
Exit Load :
• In respect of each purchase / switch-in of Units less than Rs. 5 crore in value, an Exit Load of 1.00% is payable if Units
are redeemed / switched-out within 1 year from the date of allotment.
Balance 1.75
Applications
Please contact
2 HDFC Mutual Fund

Name & Type of Scheme HDFC Top 200 Fund (HT200) (An Open-ended Growth Scheme)
Investment Objective To generate long term capital appreciation from a portfolio of equity and equity-linked instruments primarily drawn from the
companies in BSE 200 index.
Equity & Equity linked instruments Upto 100% (including use of derivatives for hedging and
other uses as permitted by prevailing SEBI Regulations)
Debt and money market instruments* Balance in debt and money market instruments
assets) subject to SEBI (Mutual Funds) Regulations, 1996. The Scheme may use derivatives mainly for the purpose of
hedging and portfolio balancing (max. 25% of net assets) based on the opportunities available subject to SEBI (Mutual
Funds) Regulations, 1996.
Amount / Number of
Units (Under each Plan / Rs. 5,000 and any amount thereafter. Rs. 1,000 and any amount thereafter. Rs. 500 or minimum of 50 units
Option)
Benchmark Index BSE 200
Company
Performance of the Scheme HDFC Top 200 Fund - Growth Option Absolute Returns for each Financial Year for last 5 years^
(%)$$^ Returns (%)#
Last 1 year (365 days) 26.40* 9.18*
Last 3 years (1096 days) 21.42** 14.39**
Last 5 years (1827 days) 32.28** 22.89**
Last 10 years (3654 days) 24.89** 15.43**
^ Past performance may or may not be sustained in
the future
*Absolute Returns
***Inception Date October 11, ’96
# BSE 200
$$ Adjusted for the dividends declared under the scheme
prior to its splitting into the Dividend and Growth Options
Pursuant to 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. Upfront commission shall be paid directly by the investor to the ARN Holder (AMFI registered Distributor) based
on the investors’ assessment of various factors including the service rendered by the ARN Holder.
Exit Load :
• In respect of each purchase / switch-in of Units less than Rs. 5 crore in value, an Exit Load of 1.00% is payable if Units are
redeemed/switched-out within 1 year from the date of allotment.
Balance 1.75
Applications
Please contact

Name & Type of Scheme HDFC Capital Builder Fund (HCBF) (An Open-ended Growth Scheme)
Investment Objective To achieve capital appreciation in the long term.
Equities & Equity related instruments Upto 100
Debt and Money Market instruments* Not more than 20
Regulations, 1996.
Amount / Number of
/ Option)
Despatch of Repurchase Within 10 Working days of the receipt of the redemption request at the official points of acceptance of HDFC Mutual Fund.
(Redemption) Request
Benchmark Index S&P CNX 500. HDFC Capital Builder Fund, which is benchmarked to S&P CNX 500 Index is not sponsored, endorsed, sold or
promoted by India Index Services & Products Limited (IISL). IISL is not responsible for any errors or omissions or the results obtained
from the use of such index and in no event shall IISL have any liability to any party for any damages of whatsoever nature (including
Name of the Fund Manager Chirag Setalvad
Company
Performance of the Scheme HDFC Capital Builder Fund - Growth Option Absolute Returns for each Financial Year for last 5 years^
(%)^ Returns (%)#
Last 1 year (365 days) 14.77* 8.89*
Last 3 years (1096 days) 15.50** 13.66**
Last 5 years (1827 days) 26.18** 22.71**
Last 10 years (3654 days) 19.33** 15.30**
the future
*Absolute Returns
***Inception Date February 1, ’94
# S&P CNX 500
Exit Load :
redeemed / switched-out within 1 year from the date of allotment.
Balance 1.75
Applications
Please contact
4 HDFC Mutual Fund

Name & Type of Scheme HDFC Core & Satellite Fund (HCSF) (An Open-ended Growth Scheme)
Investment Objective To generate capital appreciation through equity investment in companies whose shares are quoting at prices below their
true value.
Fixed Income Securities (including securitised debt of upto 10% of net assets & 5 - 10
Money Market instruments)
Regulations, 1996.
Risk Profile of the Scheme Please refer page 17 - 18 for details.
Amount / Number of Units
(Under each Plan / Option) Rs. 5,000 and any amount thereafter. Rs. 1,000 and any amount thereafter. Rs. 1,000 or minimum of 100 units
Benchmark Index BSE 200
Name of the Fund Manager Vinay Kulkarni
Company
Performance of the Scheme HDFC Core & Satellite Fund - Growth Option Absolute Returns for each Financial Year for last 4 years^
(%)^ Returns (%)#
Last 1 year (365 days) 16.12* 9.18*
Last 3 years (1096 days) 9.97** 14.39**
the future
*Absolute Returns
# BSE 200
Exit Load :
Balance 1.75
Applications
Please contact

Name & Type of Scheme HDFC Premier Multi-Cap Fund (HPMCF) (An Open-ended Growth Scheme)
Investment Objective To generate capital appreciation in the long term through equity investments by investing in a diversified portfolio of Mid
Cap and Large Cap ‘blue chip’ companies.
Equity & Equity related instruments out of which 85 - 100
Large Cap 35 - 65
Mid Cap 35 - 65
Debt Securities (including securitised debt of upto 10% of the net assets) 0 - 15
Money Market Instruments 0 - 15
The Scheme may seek investment opportunity in the ADR / GDR / Foreign Equity and Debt Securities (max. 25% of net assets
in ADR / GDR and Foreign Equity Securities and max. 10% of net assets in Foreign Debt Securities) subject to SEBI (Mutual
Funds) Regulations, 1996. The Scheme may use derivatives mainly for the purpose of hedging and portfolio balancing (max.
50% of net assets) based on the opportunities available subject to SEBI (Mutual Funds) Regulations, 1996. The Scheme will
not invest in Foreign Securitised Debt
Risk Profile of the Scheme Please refer to page 17 - 18 for details.
Plans and Options Plans : Nil
(Under each Plan / Option) Rs. 5,000 and any amount thereafter. Rs. 1,000 and any amount thereafter. Rs. 1,000 or minimum of 100 units
Despatch of Repurchase Within 10 Working days of the receipt of the redemption request at the official points of acceptance of HDFC
(Redemption) Request Mutual Fund.
Benchmark Index S&P CNX 500. HDFC Premier Multi-Cap Fund, which is benchmarked to S&P CNX 500 Index is not sponsored, endorsed, sold or
promoted by India Index Services & Products Limited (IISL). IISL is not responsible for any errors or omissions or the results obtained
from the use of such index and in no event shall IISL have any liability to any party for any damages of whatsoever nature (including
Company
Performance of the Scheme HDFC Premier Multi - Cap Fund - Growth Option Absolute Returns for each Financial Year for last 3 years^
(%)^ Returns (%)#
Last 1 year (365 days) 15.55* 8.89*
Last 3 years (1096 days) 12.57** 13.66**
the future
*Absolute Returns
***Inception Date April 06, ’05
# S&P CNX 500
Exit Load :
Balance 1.75
Applications
Please contact
6 HDFC Mutual Fund

Name & Type of Scheme HDFC Arbitrage Fund (HAF) (An Open-ended Equity Fund)
Investment Objective To generate income through arbitrage opportunities between cash and derivative market and arbitrage opportunities within
the derivative segment and by deployment of surplus cash in debt securities and money market instruments.
Equity & Equity related instruments 65 - 90
Derivative including index futures, stock futures, 65 - 90
Index Options and Stock Options etc.^
Debt Securities and Money Market Instruments* and Fixed Income Derivative 10 - 35
When adequate arbitrage opportunities are not available in the Derivative and equity markets, the asset allocation
of the scheme’s portfolio will be as follows :
Types of Instruments Normal Allocation
(% of Net Assets)
Equity & Equity related instruments 0 - 65
Derivative including index futures, stock futures, 0 - 65
Index Options and Stock Options etc.^
Debt Securities and Money Market Instruments* and Fixed Income Derivative 35 - 100
* Investment in Securitised debt shall not normally exceed 50% of the net assets of the Scheme.
^ The exposure to derivative shown in the above asset allocation table is exposure taken against the underlying equity investments
and should not be considered for calculating the total asset allocation. The idea is not to take additional asset allocation with
the use of derivative. The margin money deployed on these positions would be included in Money Market category.
The Scheme may seek investment opportunity in the Foreign Securities in accordance with guidelines stiulated in this regard
by SEBI and RBI from time to time. Under normal circumstances, the Scheme shall not have an exposure of more than 75%
of its assets in foreign securities (including bonds, mutual funds and other approved instruments) subject to regulatory limits.
Plans and Options Plans :• Wholesale Plan Plans : • Retail Plan
Options :• Growth Option • Dividend Option Options : • Growth Option • Dividend Option
Dividend Option offers Quarterly Dividend Dividend Option offers Quarterly Dividend
Option with Payout and Reinvestment facility. Option with Payout and Reinvestment facility.
Amount / Number of
Units (Under each Plan / Wholesale Plan:
Option) Growth / Dividend Option Rs. 1 crore and any Rs. 1crore and Rs. 50,000 or minimum of
amount thereafter. any amount thereafter. 5,000 units
Retail Plan:
Growth / Quarterly Rs. 5,000 and Rs. 5,000 and any Rs. 1,000 or minimum of
Dividend Option any amount amount thereafter. 100 units
thereafter.
Despatch of Repurchase Within 10 working days of the receipt of the redemption request at the Official Points of Acceptance of HDFC Mutual Fund.
Benchmark Index CRISIL Liquid Fund Index
Name of the Fund Manager Anil Bamboli
Company
Performance of the Scheme HDFC Arbitrage Fund - Wholesale Plan – Growth Option Absolute Returns for each Financial Year for last 1 year^
(%)^ Returns (%)#
Last 1 year (365 days) 7.25* 7.88*
HDFC Arbitrage Fund - Retail Plan - Growth Option

Returns Benchmark
(%)^ Returns (%)#
Last 1 year (365 days) 6.99* 7.88*

the future
*Absolute Returns
***Inception Date October 23, ’07
# CRISIL Liquid Fund Index

HDFC Arbitrage Fund (HAF) (Contd...)
Exit Load :
Retail Plan
• In respect of each purchase / switch-in of units, an Exit load of 0.50% is payable if units are redeemed /switched-out
within 3 months from the date of allotment.
• No Exit Load is payable if units are redeemed / switched-out after 3 months from the date of allotment.
Wholesale Plan
• In respect of each purchase / switch-in of units, an Exit load of 1.00% is payable if units are redeemed / switched-out
within 12 months from the date of allotment.
• No Exit Load is payable if units are redeemed / switched-out after 12 months from the date of allotment.
Balance 1.75
Applications
Daily Net Asset Value (NAV) The NAV will be declared on all Business Days and will be published in 2 newspapers. NAV can also be viewed on
Publication www.hdfcfund.com and www.amfiindia.com. Investors may also contact any of the Investor Service Centres (ISCs) of
HDFC Mutual Fund.
Please contact
8 HDFC Mutual Fund

Name & Type of Scheme HDFC Balanced Fund (HBF) (An Open-ended Balanced Scheme)
Investment Objective To generate capital appreciation along with current income from a combined portfolio of equity & equity-related and debt
& money market instruments.
Equities & Equity related instruments 60
Debt Securities (including securitised debt) 40
and Money Market instruments)
The Scheme may seek investment opportunity in the ADR / GDR / Foreign Equity and Debt Securities subject to SEBI (Mutual Funds)
Regulations, 1996. Maximum exposure to investment in Foreign Debt Securities will be restricted to 40% of the net assets. The
Scheme may use derivatives mainly for the purpose of hedging and portfolio balancing (max. 20% of net assets) based on the
opportunities available subject to SEBI (Mutual Funds) Regulations, 1996. The Scheme will not invest in Foreign Securitised Debt.
(Under each Plan / Option) Rs. 5,000 and any amount thereafter. Rs. 1,000 and any amount thereafter. Rs. 500 or minimum of 50 units
Benchmark Index CRISIL Balanced Fund Index
Company
Performance of the Scheme HDFC Balanced Fund - Growth Option Absolute Returns for each Financial Year for last 5 years^
(%)^ Returns (%)#
Last 1 year (365 days) 14.75* 11.65*
Last 3 years (1096 days) 12.61** 12.59**
Last 5 years (1827 days) 18.66** 16.79**
Since Inception (3245 days)*** 16.25** N.A.
the future
N.A. Not Available
*Absolute Returns
# CRISIL Balanced Fund Index
Exit Load :
• In respect of each purchase / switch-in of Units equal to or greater than Rs. 5 crore in value, no Exit Load is payable
Balance 1.50
Applications
Tax treatment for the IInvestors are advised to refer to the Section on ‘Taxation on investing in Mutual Funds’ in the ‘Statement of Additional
Please contact

Name & Type of Scheme HDFC Prudence Fund (HPF) (An Open-ended Balanced Scheme)
Investment Objective To provide periodic returns and capital appreciation over a long period of time from a judicious mix of equity and debt
investments with an aim to prevent / minimise any capital erosion.
Equity & Equity linked instruments 40 - 75
Debt Securities and 25 - 60
Money Market Instruments*
The Scheme may seek investment opportunity in the ADR / GDR / Foreign Equity and Debt Securities (max. 40% of net assets) subject
to SEBI (Mutual Funds) Regulations, 1996. The Scheme may use derivatives mainly for the purpose of hedging and portfolio
balancing (max. 25% of net assets) based on the opportunities available subject to SEBI (Mutual Funds) Regulations, 1996.
Benchmark Index CRISIL Balanced Fund Index
Company
Performance of the Scheme HDFC Prudence Fund - Growth Option Absolute Returns for each Financial Year for last 5 years^
(%)$^ Returns (%)#
Last 1 year (365 days) 25.42* 11.65*
Last 3 years (1096 days) 17.35** 12.59**
Last 5 years (1827 days) 26.34** 16.79**
Last 10 years (3654 days) 24.36** N.A.
Since Inception (5659 days) *** 20.84** N.A.
the future
*Absolute Returns
***Inception Date February 01, ’94
N.A. Not Available
# CRISIL Balanced Fund Index $ Adjusted for the
dividends under the scheme prior to its splitting into
the Dividend and Growth Options
Exit Load :
Balance 1.75
Applications
(Unit holders) Information’ and to consult their own tax advisors with respect to the specific amount of tax and other implications arising
Please contact
10 HDFC Mutual Fund

Name & Type of Scheme HDFC Long Term Advantage Fund (HLTAF) (Formerly HDFC Tax Plan 2000)
An Open-ended Equity Linked Savings Scheme with a lock-in period of 3 years
Investment Objective To generate long term capital appreciation from a portfolio that is invested predominantly in equity and equity-related
instruments.
Note : Units purchased cannot be assigned / transferred / pledged / redeemed / switched out until completion of
3 years from the date of allotment of the respective Units. The AMC reserves the right to change the Lock-in
Period prospectively from time to time to the extent permitted under the Equity Linked Savings Scheme (ELSS),
1992 as amended from time to time.
Equities & Equity linked instruments 80
Debt securities, Money market instruments (including cash / call money) 20
The Scheme may seek investment opportunity in the ADR / GDR / Foreign Equity and Debt Securities subject to SEBI (Mutual Funds) Regulations,
1996. The Scheme may use derivatives mainly for the purpose of hedging and portfolio balancing (max. 20% of net assets) based on
the opportunities available subject to SEBI (Mutual Funds) Regulations, 1996. The Scheme will not invest in Foreign Securitised Debt.
(Under each Plan / Option) Rs. 500 In multiples of Rs. 500 thereafter Rs. 500 or minimum of 50 units
Benchmark Index BSE SENSEX
Company
Performance of the Scheme HDFC Long Term Advantage Fund - Growth Option Absolute Returns for each Financial Year for last 5 years^
(%)^ Returns (%)#
Last 1 year (365 days) 11.55* 9.16*
Last 3 years (1096 days) 10.66** 13.39**
Last 5 years (1827 days) 23.97** 24.80**
the future
*Absolute Returns
***Inception Date January 2, ’01
# SENSEX
Exit Load : Nil
Balance 1.75
Applications
Tax treatment for the As per Section 80C of the Income-tax Act, 1961 and subject to provisions, an Individual / Hindu Undivided Family (HUF) is
Investors (Unit holders) Investors (Unit holders) entitled to a deduction from Gross Total Income upto Rs. 1.00 lac (along with other prescribed
investments) for amounts invested in units of HDFC Long Term Advantage Fund.
Investors are advised to refer to the Section on ‘Taxation on investing in Mutual Funds’ in the ‘Statement of Additional
Information’ and to consult their own tax advisors with respect to the specific amount of tax and other implications arising
Please contact

Name & Type of Scheme HDFC TaxSaver (HTS) (An Open-ended Equity Linked Savings Scheme with a lock-in period of 3 years)
Investment Objective To achieve long term growth of capital.
Note : Units purchased cannot be assigned / transferred / pledged / redeemed / switched out until completion of
3 years from thedate of allotment of the respective Units. The AMC reserves the right to change the Lock-in
Period prospectively from time to timeto the extent permitted under the Equity Linked Savings Scheme (ELSS),
1992 as amended from time to time.
Asset Allocation Types of Instruments Normal Allocation (% of Net Assets)
Pattern of the Scheme Equities & related instruments Minimum 80
Debt and money market instruments* Minimum 20
The Scheme may seek investment opportunity in the ADR / GDR / Foreign Equity and Debt Securities (max. 40% of net assets)
subject to SEBI (Mutual Funds) Regulations, 1996. The Scheme may use derivatives mainly for the purpose of hedging and portfolio
balancing (max. 25% of net assets) based on the opportunities available subject to SEBI (Mutual Funds) Regulations, 1996.
(Under each Plan / Option) Rs. 500 In multiples Rs. 500 thereafter. Rs. 500 or minimum of 50 units
Benchmark Index S&P CNX 500. HDFC TaxSaver, which is benchmarked to S&P CNX 500 Index is not sponsored, endorsed, sold or promoted by
India Index Services & Products Limited (IISL). IISL is not responsible for any errors or omissions or the results obtained from the
use of such index and in no event shall IISL have any liability to any party for any damages of whatsoever nature (including lost
profits) resulted to such party due to purchase or sale or otherwise of such product benchmarked to such index.
Company
Performance of the Scheme HDFC TaxSaver - Growth Option Absolute Returns for each Financial Year for last 5 years^
(%)$^ Returns (%)#
Last 1 year (365 days) 19.11* 8.89*
Last 3 years (1096 days) 12.18** 13.66**
Last 5 years (1827 days) 30.54** 22.71**
Last 10 years (3654 days) 30.25** 15.30**
Since Inception (4870 days) *** 32.05** 13.44**
the future
*Absolute Returns
***Inception Date March 31, ’96
# S&P CNX 500 $ Adjusted for the dividends declared
under the scheme prior to its splitting into the Dividend
and Growth Options
Exit Load: Nil
Balance 1.75
Applications
Tax treatment for the As per Section 80C of the Income-tax Act, 1961 and subject to provisions, an Individual / Hindu Undivided Family (HUF) is
Investors (Unit holders) entitled to a deduction from Gross Total Income upto Rs. 1.00 lac (along with other prescribed investments) for amounts
invested in units of HDFC TaxSaver.
Investors are advised to refer to the Section on ‘Taxation on investing in Mutual Funds’ in the ‘Statement of Additional
Information’ and to consult their own tax advisors with respect to the specific amount of tax and other implications arising
Please contact
12 HDFC Mutual Fund

Name & Type of Scheme HDFC Index Fund (HIF) (An Open-ended Index Linked Scheme)
Investment Objective SENSEX Plan : To generate returns that are commensurate with the performance of the SENSEX, subject to tracking errors.
Nifty Plan : To generate returns that are commensurate with the performance of the Nifty, subject to tracking errors.
SENSEX Plus Plan : To invest 80 to 90% of the net assets of the Plan in companies whose securities are included in SENSEX
and between 10% & 20% of the net assets in companies whose securities are not included in the SENSEX.
SENSEX Plan
Securities covered by the SENSEX 95 - 100
Cash & Money Market instruments, including money at call but excluding 0-5
Subscription and Redemption Cash Flow
Nifty Plan
Securities covered by the Nifty 95 - 100
Cash & Money Market Instruments, including money at call but excluding 0 - 5
subscription and Redemption Cash Flow
SENSEX Plus Plan
Securities covered by the SENSEX 80 - 90
Securities other than covered by SENSEX 10 - 20
Money Market instruments, convertible bonds & cash including money at call 0 - 5
but excluding Subscription and Redemption Cash Flow
Subscription Cash Flow is the subscription money in transit before deployment and Redemption Cash Flow is the money
kept aside for meeting redemptions.
The respective Plans under the Scheme may use derivatives mainly for the purpose of hedging and portfolio balancing (max.
50% of net assets) based on the opportunities available subject to SEBI (Mutual Funds) Regulations, 1996. The Scheme will
not invest in Foreign Securitised Debt.
Plans and Options Plans : • SENSEX Plan • Nifty Plan • SENSEX Plus Plan
Options : Each Plan offers Growth Option only
Benchmark Index • SENSEX Plan : SENSEX (Total Returns Index)
• Nifty Plan : S&P CNX Nifty (Total Returns Index)
• SENSEX Plus Plan : SENSEX (Total Returns Index)
“Standard & Poor’s®” and “S&P®” are trademarks of The McGraw-Hill Companies, Inc. and have been licensed for use by
India Index Services & Products Limited (IISL), which has sublicensed such marks to HDFC Asset Management Company
Limited. The S&P CNX Nifty is not compiled, calculated or distributed by Standard & Poor’s and Standard & Poor’s and IISL
make no representation regarding the advisability of investing in products that utilize any such Index as a component. All
rights in the SENSEX vest in Bombay Stock Exchange Ltd. (“BSE”). BSE and SENSEX are trademarks of BSE and are used by
HDFC Asset Management Company Limited under license. BSE shall not be liable in any manner whatsoever (including in
negligence) for any loss arising to any person whosoever out of use of or reliance on the SENSEX by any person.
Company
Performance of the Scheme SENSEX Plan - Growth Option Absolute Returns for each Financial Year for last 5 years^
(%)^ Returns (%)#
Last 1 year (365 days) 5.31* 10.30*
Last 3 years (1096 days) 8.60** 15.41**
Last 5 years (1827 days) 21.67** 27.73**
Since Inception
(2571 days)*** 22.11** 28.19**
the future
*Absolute Returns
***Inception Date July 17, ’02
# SENSEX (Total Returns Index)

Name & Type of Scheme HDFC Index Fund (HIF) (Contd....)
Performance of the Scheme Nifty Plan - Growth Option Absolute Returns for each Financial Year for last 5 years^
(Contd.) (%)^ Returns (%)#
Last 1 year (365 days) 5.64* 8.30*

Last 3 years (1096 days) 9.44** 15.26**
Last 5 years (1827 days) 20.33** 24.99**
the future
*Absolute Returns
# S&P CNX Nifty (Total Returns Index)
SENSEX Plus Plan - Growth Option Absolute Returns for each Financial Year for last 5 years^
Returns Benchmark
(%)^ Returns (%)#
Last 1 year (365 days) 16.48* 10.30*
Last 3 years (1096 days) 16.07** 15.41**
Last 5 years (1827 days) 26.59** 27.73**
the future
*Absolute Returns
# SENSEX (Total Returns Index)
Exit Load:
• In respect of each purchase / switch-in-of Units upto and including Rs. 5 lakh in value, an Exit Load of 1.00% is payable if
Units are redeemed within one year from the date of allotment.
• In respect of each purchase / switch-in of Units greater than Rs. 5 lakh in value, no Exit Load is payable.
(ii) Recurring Expenses The total recurring expenses of the Scheme Actual expenses for the previous financial year ended
(% of weekly average shall not exceed 1.50%. March 31, 2009 (Audited) : SENSEX Plan : 1.13% p.a.,
Net Assets) Nifty Plan : 1.13% p.a., SENSEX Plus Plan : 1.13% p.a.
Applications
Investors Information’ and to consult their own tax advisors with respect to the specific amount of tax and other implications arising
(Unit holders) out of their participation in the Scheme.
The NAV will be declared on all Business Days and will be published in 2 newspapers. NAV can also be viewed on
ww.hdfcfund.com and www.amfiindia.com. Investors may also contact any of the Investor Service Centres (ISCs) of
HDFC Mutual Fund.
Please contact
14 HDFC Mutual Fund

Name & Type of Scheme HDFC MF Monthly Income Plan (HMIP)
(An Open-ended Income Scheme. Monthly Income is not assured and is subject to availability of
distributable surplus)
Investment Objective The primary objective of Scheme is to generate regular returns through investment primarily in Debt and Money Market
Instruments. The secondary objective of the Scheme is to generate long-term capital appreciation by investing a portion of
the Scheme’s assets in equity and equity related instruments.

Debt instruments (including securitised debt) & Money Market instruments 75
(including cash / call money)
Equities & Equity related instruments 25
The investments in central and state government securities will not exceed 75% of the net assets of the respective Plans.
It is the intention of the Scheme that the investments in securitised debt will not, normally exceed 75% of the net assets of
the respective Plans.
The Scheme may seek investment opportunity in the ADR / GDR / Foreign Equity and Debt Securities (max. 25% of net assets
in ADR / GDR and Foreign Equity Securities and max. 50% of net assets in Foreign Debt Securities) subject to SEBI (Mutual
Funds) Regulations, 1996. The Scheme may use derivatives mainly for the purpose of hedging and portfolio balancing based
on the opportunities available subject to SEBI (Mutual Funds) Regulations, 1996.
Plans and Options Plans : • Short Term Plan • Long Term Plan
Options : • Each Plan offers Growth, Monthly Dividend & Quarterly Dividend Option.
Each of the Dividend Option offers Payout and Reinvestment facility.
Minimum Application Growth & Quarterly Dividend
Amount / Number of Units Purchase Additional Purchase Repurchase
(Under each Plan / Option)
Rs. 5,000 and any amount thereafter. Rs. 1,000 and any amount thereafter. Rs. 1000 or minimum of 100 units
Monthly Dividend Option
Purchase Additional Purchase Repurchase
Rs. 25,000 and any amount thereafter. Rs. 1,000 and any amount thereafter. Rs. 1000 or minimum of 100 units
Benchmark Index Short Term Plan : CRISIL MIP Blended Index Long Term Plan : CRISIL MIP Blended Index
Name of the Fund Manager Short Term Plan : Vinay Kulkarni (Equities); Shobhit Mehrotra (Debt)
Long Term Plan : Prashant Jain (Equities); Shobhit Mehrotra (Debt)

Company
Performance of the Scheme HMIP - Short Term Plan - Growth Option Absolute Returns for each Financial Year for last 5 years^
(%)^ Returns (%)#
Last 1 year (365 days) 13.31* 12.44*
Last 3 years (1096 days) 7.65** 8.67**
Last 5 years (1827 days) 8.19** 8.57**
Since Inception
(2044 days)*** 7.89** 7.29**
the future
*Absolute Returns
***Inception Date December 26, ’03
# CRISIL MIP Blended Index

Name & Type of Scheme HDFC MF Monthly Income Plan (HMIP) (Contd....)
Performance of the Scheme HMIP - Long Term Plan - Growth Option Absolute Returns for each Financial Year for last 5 years^
(Contd....) (%)^ Returns (%)#
Last 1 year (365 days) 23.33* 12.44*
Last 3 years (1096 days) 12.73** 8.67**
Last 5 years (1827 days) 13.39** 8.57**
Since Inception
(2044 days)*** 12.57** 7.29**
the future
*Absolute Returns
***Inception Date December 26, ’03
# CRISIL MIP Blended Index
Exit Load :
Short Term Plan
redeemed/ switched-out within 12 months from the date of allotment.
• In respect of each purchase / switch-in of Units equal to or greater than Rs. 1 crore in value, an Exit Load of 0.25% is
payable if Units are redeemed/ switched-out within 3 months from the date of allotment.
Long Term Plan
• In respect of each purchase / switch-in of Units less than Rs. 5 crore in value, an Exit Load of 1% is payable if units are
(ii) Recurring Expenses First Rs. 100 crores 2.25 Actual expenses for the previous financial year ended
(% of weekly average Next Rs. 300 crores 2.00 March 31, 2009 (Audited) : Short Term Plan : 2.23% p.a.,
Net Assets) Next Rs. 300 crores 1.75 Long Term Plan : 1.78% p.a.
Balance 1.50
Applications
Investors Information’ and to consult their own tax advisors with respect to the specific amount of tax and other implications arising
(Unit holders) out of their participation in the Scheme.

Please contact
16 HDFC Mutual Fund

Information Common to Schemes (as applicable)
Applicable NAV
Applicable NAV for Purchases including Switch - Ins : • In respect of valid applications received upto 3.00 p.m. on a Business Day by the Fund along with a local cheque or a demand
draftpayable at par at the official Point(s) of acceptance where the application is received, the closing NAV of the day on which application is received shall be applicable. • In respect of valid
applicationsreceived after 3.00 p.m. on a Business Day by the Fund along with a local cheque or a demand draft payable at par at the official Point(s) of acceptance where the application is
received, theclosing NAV of the next Business Day shall be applicable. • However, in respect of valid applications, with outstation cheques / demand drafts not payable at par at the official
Point(s) of acceptancewhere the application is received, closing NAV of the day on which the cheque / demand draft is credited shall be applicable. • In respect of valid applications for purchase
of units in Income/Debt Oriented Schemes/Plans (other than liquid fund schemes and plans) with amount equal to or more than Rs. 1 crore, irrespective of the time of receipt of application, the
closing NAV ofthe day (or immediately following Business Day if that day is not a Business Day) on which the funds are available for utilization shall be applicable.
Applicable NAV for Redemptions including Switch - Outs: • In respect of valid applications received upto 3.00 p.m. on a Business Day by the Fund, same day’s closing NAV shall be
applicable. • In respect of valid applications received after 3.00 p.m. on a Business Day by the Fund, the closing NAV of the next Business Day shall be applicable.
Dividend Policy
It is proposed to declare dividends subject to availability of distributable profits, as computed in accordance with SEBI (Mutual Funds) Regulations, 1996.
Dividends, if declared, will be paid (subject of deduction of tax at source, if any) to those unit holders whose names appear in the register of unit holders on the notified record date. The
DividendWarrants shall be despatched within 30 days of the declaration of the dividend. The AMC reserves the right to change the record date from time to time. However, it must be
distinctly understood that the actual declaration of dividend and the frequency thereof will inter alia, depend on the availability of distributable profits as computed in accordance with
SEBI (Mutual Funds) Regulations,1996. The decision of the Trustee in this regard shall be final.
There is no assurance or guarantee to unit holders as to the rate of dividend distribution nor that dividends will be paid regularly. On payment of dividends, the NAV will stand reduced by
the amount of dividend and dividend tax (if applicable) paid.
Load Structure (non SIP/STP)
(i) No Loads shall be imposed for switching between Plans / Options within the Scheme (Except HDFC Index Fund and HDFC MF Monthly Income Plan). No Loads shall be imposed for
switching between the options within the respective Plans of HDFC MF Monthly Income Plan. (ii) No Entry / Exit Load will be levied on Bonus units and units allotted on Dividend
Reinvestment. (iii) No Entry / Exit Load will be levied for investments by Fund of Fund Scheme(s) launched under SEBI (Mutual Funds) Regulations, 1996 in the Scheme. However, the waiver of
Entry / Exit Load will be at the sole discretion of the Trustee and the Trustee reserves the right to impose Entry / Exit Load (as applicable) on investments made by any Fund of Fund scheme,
subject to SEBI (Mutual Funds) Regulations, 1996.
For Investor Grievances, Please contact Registrar and Transfer Agent :
Computer Age Management Services Pvt. Ltd.,
Investors may contact any of the Investor Service Centres (ISCs) of the AMC for any queries / clarifications at telephone number
60006767 (Do not Prefix STD Code) or 1800 233 6767 (toll free), Fax number. (022) 22821144, e-mail: cliser@hdfcfund.com. Unit: HDFC Mutual Fund
Investors can also post their grievances/feedback/suggestions on our website www.hdfcfund.com under the section ‘Customer5th Floor, Rayala Tower, 158, Anna Salai,
Care’
appearing under ‘Contact Us’. The Head Office of the AMC will follow up with the respective ISCs to ensure timely redressalChennai
and - 600 002.
prompt investor services. Mr. John Mathews, Head - Client Services can be contacted at Mistry Bhavan, 2nd Floor, 122, Dinsha Telephone No: 044-30212816
Vachha Road, Churchgate, Mumbai - 400 020 at telephone number (Direct) (022) 66316301 or telephone number (Board) (022) Fax No: 044-42032955
66316333. His e-mail contact is: jmathews@hdfcfund.com Email: enq_h@camsonline.com
Waiver of Load for Direct Application

Pursuant to SEBI circular no. SEBI/IMD/CIR No.4/ 168230/09 dated June 30, 2009 no entry load shall be charged for all mutual fund schemes. Therefore, the procedure for waiver of load
for direct applications is no longer applicable.
Unit holder’s Information
Account Statements: Account Statement stating the number of Units will be sent by ordinary post and /or electronic mail (if so mandated) to Unit Holder’s within the following periods:
• New or additional subscription as well as Redemption / Switch of Units: Under normal circumstances, the Mutual Fund shall endeavour to dispatch the Account Statement within
3 Business Days from the date of the receipt of request from the unit holder.
• For SIP/STP: Within 10 working days from the end of quarter (March, June, September, December)
• Annual Account Statement: Annually, preferably along with the Portfolio Statement or Abridged Annual Report of the Scheme.
For more details, please refer the Scheme Information Document (SID) and Statement of Additional Information (SAI).
Annual Financial Results: The Scheme wise annual report or an abridged summary thereof shall be mailed (e-mailed if opted / requested) to all Unit holders not later than four months
from the date of closure of the relevant accounting year (i.e. 31st March each 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. These results shall also be displayed on the website of the Mutual Fund on www.hdfcfund.com
and Association of Mutual Funds in India (AMFI) on www.amfiindia.com
Half Yearly Unaudited Financial Results: Half Yearly Unaudited Financial Results shall be published in one national English daily newspaper circulating in the whole of India and in a
newspaper published in the language of the region where the Head Office of the Mutual Fund is situated before expiry one month from the close of each half-year, that is on March 31 and
September 30. It is also displayed on the website of the Mutual Fund on www.hdfcfund.com and Association of Mutual Funds in India (AMFI) on www.amfiindia.com
Half yearly Portfolio Disclosure: Full portfolio in the Prescribed format shall be disclosed either by publishing it in one national English daily newspaper circulating in the whole of India
and in a newspaper published in the language of the region where the Head Office of the Mutual Fund is situated or by sending it to the Unit Holders within one month from the end of
each half-year, that is as on March 31 and September 30. It is also displayed on the website of the Mutual Fund on www.hdfcfund.com and Association of Mutual Funds in India (AMFI) on
www.amfiindia.com
Scheme Specific Risk Factors
Mutual Fund Units involve investment risks including the possible loss of principal. Please read the Scheme Information Document of the respective Scheme Carefully for details on risk
factors before investment. Scheme specific Risk Factors include but are not limited to the following:
Risk factors associated with investing in equities and equity related instruments
• Equity shares and equity related instruments are volatile and prone to price fluctuations on a daily basis. Investments in equity shares and equity related instruments involve a degree
of risk and investors should not invest in the Scheme(s) unless they can afford to take the risks.
• Trading volumes, settlement periods and transfer procedures may restrict the liquidity of the investments made by the Scheme(s). Different segments of the Indian financial markets
have different settlement periods and such periods may be extended significantly by unforeseen circumstances leading to delays in receipt of proceeds from sale of securities. The NAV
of the Units of the Scheme(s) can go up or down because of various factors that affect the capital markets in general.
• As the liquidity of the investments made by the Scheme(s) could, at times, be restricted by trading volumes and settlement periods, the time taken by the Mutual Fund for redemption
of Units may be significant in the event of an inordinately large number of redemption requests or restructuring of the Scheme(s). In view of the above, the Trustee has the right, in its
sole discretion, to limit redemptions (including suspending redemptions) under certain circumstances, as described in the Scheme Information Document of the respective Scheme(s).
• 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. Investment in such securities may lead to increase in the scheme portfolio risk.
• While securities that are listed on the stock exchange carry lower liquidity risk, the ability to sell these investments is limited by the overall trading volume on the stock exchanges and
may lead to the Scheme(s) incurring losses till the security is finally sold.
• Investment strategy to be adopted by the Scheme(s) may carry the risk of significant variance between the portfolio allocation of the Scheme(s) and the Benchmark particularly over a
short to medium term period.
• At times, due to the forces and factors affecting the capital market, the Scheme(s) may not be able to invest in securities falling within its investment objective resulting in holding the
monies collected by it in cash or cash equivalent or invest the same in other permissible securities amounting to substantial reduction in the earning capability of the Scheme(s).
Risk factors associated with investing in Fixed Income Securities
• The Net Asset Value (NAV) of the Scheme(s), to the extent invested in Debt and Money Market securities, will be affected by changes in the general level of interest rates. The NAV of
the Scheme(s) is expected to increase from a fall in interest rates while it would be adversely affected by an increase in the level of interest rates.
• Money market securities, while fairly liquid, lack a well developed secondary market, which may restrict the selling ability of the Scheme(s) and may lead to the Scheme(s) incurring
losses till the security is finally sold.
• Investment in Debt Securities are subject to the risk of an issuer’s inability to meet interest and principal payments on its obligations and market perception of the creditworthiness of the issuer.
• Government securities where a fixed return is offered run price-risk like any other fixed income security. Generally, when interest rates rise, prices of fixed income securities fall and
when interest rates drop, the 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. The new level of interest rate is determined by the rates at which government raises new money and/or the price levels at which the market is already dealing in existing
securities. The price-risk is not unique to Government Securities. It exists for all fixed income securities. However, Government Securities are unique in the sense that their credit risk
generally remains zero. Therefore, their prices are influenced only by movement in interest rates in the financial system.

Information Common to Schemes (as applic able) (Contd...)
• Different types of fixed income securities in which the Scheme(s) would invest as given in the Scheme Information Document(s) carry different levels and types of risk. Accordingly, the
Scheme(s) risk may increase or decrease depending upon its investment pattern. e.g. corporate bonds carry a higher level of risk than Government securities. Further even among
corporate bonds, bonds, which are AAA rated, are comparatively less risky than bonds, which are AA rated.
• The AMC may, considering the overall level of risk of the portfolio, invest in lower rated / unrated securities offering higher yields as well as zero coupon securities that offer attractive
yields. This may increase the absolute level of risk of the portfolio.
• As zero coupon securities do not provide periodic interest payments to the holder of the security, these securities are more sensitive to changes in interest rates. Therefore, the interest
rate risk of zero coupon securities is higher. The AMC may choose to invest in zero coupon securities that offer attractive yields. This may increase the risk of the portfolio.
• 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. The AMC may choose to invest in unlisted securities that offer attractive yields. This may increase the risk of the portfolio.
• Scheme’s performance may differ from the benchmark index to the extent of the investments held in the debt segment, as per the investment pattern indicated under normal circumstances.
• The Scheme(s) at times may receive large number of redemption requests, leading to an asset-liability mismatch and therefore, requiring the investment manager to make a distress
sale of the securities leading to realignment of the portfolio and consequently resulting in investment in lower yield instruments.
Risk factors associated with investing in Foreign Securities (except HDFC Index Fund)
Risk factors associated with investing in Foreign Securities summarized below.
• Currency Risk
• Interest Rate Risk
• Credit Risk
Please read the Scheme Information Document (SID) of the respective Scheme(s) for details.
Risk factors associated with investing in Derivatives
• The AMC, on behalf of the Scheme(s) may use various derivative products, from time to time, in an attempt to protect the value of the portfolio and enhance Unit holders’ interest.
Derivative products are specialized instruments that require investment techniques and risk analysis different from those associated with stocks and bonds. The use of a derivative
requires an understanding not only of the underlying instrument but of the derivative itself. Other risks include, the risk of mispricing or improper valuation and the inability of
derivatives to correlate perfectly with underlying assets, rates and indices.
• Derivative products are leveraged instruments and can provide disproportionate gains as well as disproportionate losses to the investor. Execution of such strategies depends upon the
ability of 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.
Risk factors associated with investing in Securitised Debt
Risk factors associated with investing in Securitised Debt summarized below.
• Limited Liquidity & Price Risk
• Limited Recourse, Delinquency and Credit Risk
• Risks due to possible prepayments and Charge Offs
• Bankruptcy of the Swap Bank
• Risk of Co-mingling
Please read the Scheme Information Document (SID) of the respective Scheme(s) for details.
Risk Factors specific to HDFC Arbitrage Fund
• The primary objective of the Fund Manager is to identify investment opportunities and to exploit price discrepancies in various markets. Identification and exploitation of the strategies to
be pursued by the Fund Manager involve uncertainty. No assurance can be given that Fund Manager will be able to locate investment opportunities or to correctly exploit price
discrepancies in the capital markets. Reduction in mis-pricing opportunities between the cash market and Future and Options market may lead to lower level of activity affecting the returns.
As the Scheme proposes to execute arbitrage transactions in various markets simultaneously, this may result in high portfolio turnover and, consequently, high transaction cost.
• There may be instances, where the price spread between cash and derivative market is insufficient to meet the cost of carry. In such situations, the fund manager due to lack of
opportunities in the derivative market may not be able to outperform liquid / money market funds.
• Though the constituent stocks of most indexes are typically liquid, liquidity differs across stock. Due to heterogeneity in liquidity in the capital market segment, trades on this segment
do not get implemented instantly. This often makes arbitrage expensive, risky and difficult to implement.
Risk Factors Specific to HDFC Index Fund
Except for the actively managed part of the SENSEX Plus Plan, the Scheme attempts to track the respective indices and it would primarily invest in the securities included in its Underlying
indices regardless of their investmentmerit. The Scheme may be affected by a general decline in the Indian markets.
The performance of the SENSEX Plus Plan may not be in line with BSE SENSEX as 10-20% of the net assets will be invested in non-index scrips.Performance of the BSE SENSEX / S&P CNX
Nifty Index will have a direct bearing on the performance of the respective Plans. In the event the BSE SENSEX / S&P CNX Nifty, as the case may be, is dissolved or is withdrawnby Bombay
Stock Exchange Limited (BSE) / India Index Services & Products Ltd. (IISL) respectively or is not published due to any reason whatsoever, the Trustee reserves the right to modify the
respective Plans so as tracka different and suitable index or to suspend tracking the BSE SENSEX / Nifty till such time it is dissolved / withdrawn or not published and appropriate intimation
will be sent to the Unit holders of the respective Plans.In such a case, the investment pattern will be modified suitably to match the composition of the securities that are included in the
new index to be tracked and the respective Plans will be subject to tracking errors duringthe intervening period.
Tracking errors are inherent in any index fund and such errors may cause the respective Plans to generate returns which are not in line with the performance of the BSE SENSEX / S&P CNX
Nifty or one or more securitiescovered by / included in the BSE SENSEX / S&P CNX Nifty and may arise from a variety of factors including but not limited to:
• Any delay in the purchase or sale of shares due to illiquidity in the market, settlement and realisation of sales proceeds, delay in credit of securities or in receipt and consequent
reinvestment of dividends, etc.
• The Indices reflect the prices of securities at a point in time, which is the price at close of business day on Bombay Stock Exchange Limited (BSE) / National Stock Exchange of India
Limited (NSE). The respective Plans, however, may trade these securities at different points in time during the trading session and therefore the prices at which the respective Plans trade
may not be identical to the closing price of each scrip on that day on the BSE / NSE. In addition, the respective Plans may opt to trade the same securities on different exchanges due
to price or liquidity factors, which may also result in traded prices being at variance, from BSE / NSE closing prices.
• IISL undertakes periodic reviews of the fifty securities that are represented in the Nifty and from time to time may exclude existing securities or include new ones. Similarly, the BSE may
exclude existing securities or include new ones. In such an event, the respective Plans will endeavor to reallocate its portfolio to mirror the changes. However, the reallocation process
may not occur instantaneously and permit precise mirroring of the BSE SENSEX / Nifty during this period.
• The potential of trades to fail may result in the respective Plans not having acquired the security at the price necessary to mirror the index.
• Transaction and other expenses, such as but not limited to brokerage, custody, trustee and investment management fees.
• Being an open-ended scheme, the respective Plans may hold appropriate levels of cash or cash equivalents to meet ongoing redemptions.
• The respective Plans may not be able to acquire or sell the desired number of securities due to conditions prevailing in the securities market, such as, but not restricted to: circuit filters
in the securities, liquidity and volatility in security prices.
Due to the reasons mentioned above and other reasons that may arise, it is expected that the Nifty Plan and the SENSEX Plan may have a tracking error in the range of 2-3% per annum
from their respective Benchmarks. However, it needs to be clearly understood that the actual tracking error can be higher or lower than the range given.
In case of investments in derivatives like index futures, the risk reward would be the same as investments in portfolio of shares representing an index. However, there may be a cost
attached to buying an index future. Further, there could be an element of settlement risk, which could be different from the risk in settling physical shares and there is a risk attached to
the liquidity and the depth of the index futures market as it is relatively new market.
Risk Factors Specific to HDFC Premier Multi-Cap Fund
While mid cap stocks give one an opportunity to go beyond the usual large blue chip stocks and present possible higher capital appreciation, it is important to note that mid cap stocks can be riskier
and more volatile on a relative basis. Therefore, the risk levels of investing in mid cap stocks is more than investing in stocks of large well-established companies. It should be noted that over a time,
mid cap and large cap stocks have demonstrated different levels of volatility and investment returns. And it is important to note that generally, no one class consistently outperforms the others.
Risk Factors Specific to HDFC Long Term Advantage Fund and HDFC TaxSaver
Units purchased cannot be assigned / transferred / pledged / redeemed / switched out until completion of 3 years from the date of allotment of the respective Units. The AMC reserves the
right to change the Lock-in Period prospectively from time to time to the extent permitted under the Equity Linked Savings Scheme (ELSS), 1992 as amended from time to time.
18 HDFC Mutual Fund

NS
INS
TR
UCT
OO O
INS 1. General Instructions
TR
TRUCT
UCT
UCTI
O
NS case the Investor is an NRI/FII, an overseas the documents mentioned in (iii) above along
INSTR Please read the Key Information Memorandum
NS address must be provided. A local address if with the original documents to the ISCs/Official
available may also be mentioned in the Points of Acceptance of HDFC Mutual Fund.
NS and the terms of the Scheme Information
Document(s) of the respective Scheme(s) and Application Form. The copy of such documents will be verified
Statement of Additional Information carefully Name of the Parent or Guardian must be with the original documents to the satisfaction
before filling the Application Form. Investors mentioned if the investments are being made of HDFC Mutual Fund. The originals documents
should apprise themselves of the prevailing on behalf of a minor. will be returned across the counter to the Unit
Load structure on the date of submitting the holder after due verification.
Applications under a Power of Attorney or
Application Form. In the event of a request for change in bank
by a limited company or a corporate body or
Investors are deemed to have accepted the an eligible institution or a registered society account information being invalid / incomplete
terms subject to which these offers are being or a trust fund must be accompanied by the / not satisfactory in respect of signature
made and bind themselves to the terms upon original Power of Attorney (or a certified true mismatch/document insufficiency/ not meeting
signing the Application Form and tendering copy of the same duly notarised) or the relevant any requirements more specifically as indicated
payment. resolution or authority to make the application in clauses (i) - (iv) above, the request for such
Investors have been provided the following (or duly notarised copy thereof) as the case change will not be processed. Redemptions /
Application Forms: may be, along with a certified copy of the dividend payments, if any, will be processed
Memorandum and Articles of Association and/ and the last registered bank account
• Two Common Forms for Equity, Balanced, ELSS information will be used for such payments
or bye-laws and/or trust deed and/ or
and MIP with Nomination Facility. HGF / HEF to Unit holders. Unit holders may note that it
partnership deed and/or Certificate of
/ HT200 / HCBF / HAF / HBF / HPF / HLTAF / is desirable to submit their requests for change
HTS / HDFC Index Fund / HCSF / HPMCF / Registration. Authorised officials should sign
the Application Form under their official in bank details atleast 7 days prior to date of
HMIP. redemption / dividend payment, if any. Further,
designation. A list of specimen signatures of
• Two Systematic Investment Plan (SIP) Enrolment the authorised officials, duly certified / attested in the event of a request for redemption of
Forms along with two Auto Debit Facility should also be attached to the Application units being received within seven days of a
Application Forms. Form. In case of a Trust/Fund a resolution from request for change in bank account details,
• Systematic Transfer Plan (STP) Enrolment Form. the Trustee(s) authorising such purchase must the normal processing time as specified in the
be submitted. Scheme Information Document, may not
New investors wishing to make an SIP
necessarily apply, however it shall be within
investment will need to complete and submit Applications not complying with the
the regulatory limits.
both the Application Form and the SIP above are liable to be rejected.
Enrolment Form. Unit holders are advised to provide their contact
All communication and payments shall be details like telephone numbers, mobile
The Application Form should be completed made in the name of and favouring the first/ numbers and email IDs to HDFC Mutual Fund
in ENGLISH and in BLOCK LETTERS only. sole applicant. in writing.
Please tick in the appropriate box for relevant In case of applications made in joint names
options wherever applicable. Please do not The Trustee reserves the right to amend the
without indicating the mode of holding, mode
overwrite. For any correction / changes (if any) aforesaid requirements.
of holding will be deemed as ‘Joint’ and
made on theapplication form, applicants are processed accordingly. 4b. Indian Financial System Code (IFSC)
requested to authenticate the same by
canceling and re-writing the correct details 4a. Bank Account Details IFSC is a 11 digit number given by some of
and counter-signed by the sole / all applicants. the banks on the cheques. IFSC will help to
In order to protect the interest of Unit holders secure transfer of redemption and dividend
Applications complete in all respects, may be from fraudulent encashment of redemption
payouts via the various electronic mode of
submitted at the designated Investor Service / dividend cheques, SEBI has made it mandatory
transfers that are available with the banks.
Centres (ISCs) / Official Points of Acceptance. for investors to provide their bank details viz.
Investors must write the Application Form name of bank, branch, address, account type 5. Investment Details
number / Folio number on the reverse of and number, etc. to the Mutual Fund. Investors should indicate the Plan / Option
the cheques and bank drafts Applications without complete bank details for which the subscription is made by indicating
accompanying the Application Form. shall be rejected. The AMC will not be the choice in the appropriate box provided
responsible for any loss arising out of for this purpose in the application form. In
Applications incomplete in any respect are fraudulent encashment of cheques / warrants
liable to be rejected. case of valid applications received without
and / or any delay / loss in transit. indicating any choice of Plan / Option, the
The AMC / Trustee retains the sole and absolute Unit holders are free to change their bank following default Plan / Option will be
discretion to reject any application. details registered with the Mutual Fund subject considered:
It may be noted that the Securities and to adherence with the following procedure: HDFC Growth Fund • Growth Option in
Exchange Board of India (SEBI) has issued a (i). Unit holders will be required to submit a valid HDFC Equity Fund case Growth Option
circular that with effect from November 1, request for a change in bank account details HDFC Top 200 Fund or Dividend Option
2001, only those agents / distributors who along with a cancelled original cheque leaf HDFC Capital Builder is not indicated.
have passed the Association of Mutual Funds of the new bank account as well as the Fund • Dividend Payout in
in India (AMFI) certification programme (ARN bank account currently registered with HDFC Balanced Fund case Dividend
Holder) can be empanelled as agents / the Mutual Fund (where the account number HDFC Prudence Fund Payout or Dividend
distributors. In case of firms / companies, the and first unit holder name is printed on the HDFC Long Term Re-investment is not
requirement of certification is applicable to face of the cheque). Unit holders should Advantage Fund indicated under the
persons engaged in sales and marketing. without fail cancel the cheque and write HDFC TaxSaver Dividend Option.
The existing agents / distributors were required ‘Cancelled’ on the face of it to prevent any HDFC Core & • Growth Option in
to pass the certification programme by possible misuse. Satellite Fund case Growth Option
September 30, 2003. Further, no agents / (ii). Where such name is not printed on the original HDFC Premier or Dividend Option
distributors would be entitled to sell units of cheque, the Unit holder may submit a letter Multi-Cap Fund is not indicated.
mutual funds unless the intermediary is from the bank on its letterhead certifying that • Dividend Payout
registered with AMFI. the Unit holder maintains/ maintained an in case Dividend
2. Existing Unit holder information account with the bank, the bank account Payout or Dividend
Investors already having an account in any of information like bank account number, bank Re-investment is not
HDFC Mutual Fund Schemes should provide branch, account type, the MICR code of the indicated under the
their Folio Number, complete details in section branch & IFSC Code (where available). Dividend Option.
2 and proceed to section 6. The personal details (iii). In case of non-availability of any of these HDFC Arbitrage Fund • Retail Plan in case
and Bank Account details as they feature in documents, a copy of the bank pass book or Retail Plan or
the existing folio would apply to this investment a statement of bank account having the name Wholesale Plan is
as well and would prevail over any conflicting and address of the account holder and account not indicated.
information furnished in this form. Unitholders’ number. • Growth Option in
name should match with the details in the case Growth Option
(In respect of (ii) and (iii) above, they should
existing folio number, failing which, the or Quarterly
be certified by the bank manager with his /
application is liable to be rejected. Dividend Option
her full signature, name, employee code, bank
3. Unit holder Information seal and contact number) is not indicated.
Name and address must be written in full. In • Dividend
(iv) Unit holders may also bring a copy of any of

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ntd...) in case Dividend • In the case of NRIs, payment may be made holder’s bank not appearing in the ‘List of
Banks participating in NEFT’ updated on RBI
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website www.rbi.org.in, from timeto time, the
banking channels or out of funds held in his
INSTR Re-investment is
not indicated. NRE / FCNR / Non-Resident Ordinary Rupee instructions of the Unit holder for remittance
Account (NRO). In case Indian rupee drafts of redemption/ dividend (if any) proceeds via
HDFC MF Monthly • Long Term Plan in NEFT System will be discontinued by HDFC
are purchased abroad or from Foreign Currency
Income Plan case Long Term Plan Mutual Fund / HDFCAsset Management
Accounts or Non-resident Rupee Accounts an
or Short Term Plan Company Limited without prior notice to the
account debit certificate from the Bank issuing
is not indicated. Unit holder and the payouts of redemption /
the draft confirming the debit shall also be
• Growth Option in dividend (if any) proceeds shall be effected
enclosed.
case Growth Option by sendingthe Unit holder(s) a cheque /
or Dividend Option All cheques and bank drafts must be drawn in demand draft.
is not indicated. favour of “the Specific Scheme” (e.g. In case of
HGF the cheque should be drawn in favour of For more details on NEFT or for frequently
• Quarterly Dividend
“HDFC Growth Fund”; in case of HDFC Index asked questions (FAQs) on NEFT, Unit holders
Option in case
Fund, HDFC MF Monthly Income Plan the name are advised to visit the RBI website
Quarterly/Monthly
of the respective Plan should also be mentioned) www.rbi.org.in/HDFC Mutual Fund website
dividend is not
and crossed “Account Payee only”. A separate www.hdfcfund.com
indicated.
• Dividend Payout in cheque or bank draft must accompany each Scheme • Electronic Clearing Service (ECS)
case Dividend / each Plan. Returned cheque(s) are liable not to
be presented again for collection, and the Investors who have opted for the ECS facility
Payout or Dividend
accompanying Application Form is liable to be of RBI for dividend payment will receive a direct
Re-investment is
rejected. In case the returned cheque(s) are credit of the amount due to them in their
not indicated under
presented again, the necessary charges are liable mandated account whenever the payment is
Monthly Dividend
to be debited to the Investor. made through ECS. A separate advice
Option or Quarterly regarding credit of amount(s) via ECS will be
Dividend Option.
7. E-mail Communication sent to the unit holder. It should be noted
Units of HDFC Long Term Advantage Fund Account Statements / Newsletters / Annual that while the Mutual Fund will make all
and HDFC TaxSaver cannot be assigned/ Reports / Other statutory information (as may efforts, there is no commitment that this facility
transferred/pledged/redeemed/switched be permitted under SEBI (Mutual Funds) will be made available to all desirous investors.
out until completion of three years from Regulations, 1996) can be sent to each Unit Applicants in cities not covered under ECS
the date of allotment of the respective holder by courier / post / e-mail. facility will receive dividend payments , if any
Units. by cheques or demand drafts and the same
Unit holders who have opted to receive these
documents by e-mail will be required to will be mailed to the Unitholders. Please note
6. Mode of Payment : that the ECS Facility is available only in respect
download and print the documents after
• Resident Investors receiving e-mail from the Mutual Fund. Should of dividend payments and not in the case of
(a) For Investors having a bank account with HDFC the Unit holder experience any difficulty in Redemption of Units.
Bank Limited or such banks with whom the accessing the electronically delivered Therefore, the Investors will receive their redemption
AMC would have an arrangement from time documents, the Unit holder shall promptly / dividend proceeds (if any) directlyinto their bank
to time: Payment may be made for subscription advise the Mutual Fund to enable the Mutual accounts in the following order:
to the Units of the Scheme either by issuing Fund to make the delivery through alternate (i) In case the bank account of an investor is
a cheque drawn on such banks or by giving means. It is deemed that the Unit holder is covered under Direct Credit facility then the
a debit mandate to their account with a branch aware of all security risks including possible payment of redemption / dividend proceeds
of HDFC Bank Limited situated at the same third party interception of the documents and (if any) will happen via direct creditpayout
location as the ISC or such other banks with contents of the documents becoming known mode only. Investors having these bank
whom the AMC would have an arrangement to third parties. accounts will not receive payouts via NEFT/
from time to time. The Newsletter, shall be displayed at the ECS*.
(b) For other Investors not covered by (a) above: website of the Mutual Fund. The Unit holders (ii) In case the bank account of an investor is
Payment may be made by cheque or bank can request for a copy of the Newsletter by not covered under Direct Credit facilitybut
draft drawn on any bank, which is situated post / e-mail. The AMC would arrange to covered under NEFT system offered by the
at and is a member of the Bankers’ Clearing dispatch these documents to the concerned RBI then the payment of redemption / dividend
House, located at the place where the Unit holder. proceeds (if any) shall be effected via NEFT
application is submitted. No cash, money mechanism only.
orders, outstation cheques, post dated cheques 8. Mode of Payment of Redemption /
[except through Systematic Investment Plan Dividend Proceeds-via Direct Credit / NEFT/ (iii) The facility for payment of dividend
(SIP)] and postal orders will be accepted. Bank ECS proceeds, if any via ECS* shall be affected
charges for outstation demand drafts will be only in case the bank account of an investor
• Direct Credit
borne by the AMC and will be limited to the is not covered under the Direct Creditfacility
The AMC has entered into arrangements with or NEFT system.
bank charges stipulated by the State Bank of
eleven banks to facilitate direct creditof * available only in respect of dividend
India. Outstation Demand Draft has been
defined as a demand draft issued by a bank redemption and dividend proceeds (if any) into payments.
where there is no ISC available for Investors. the bank account of the respective Unit holders
maintained with any of these banks. These Each of the above facilities aims to provide direct
The AMC will not accept any request for refund credit of the redemption proceeds and dividend
of demand draft charges, in such cases. banks are: ABNAMRO Bank N.V., Axis Bank
Ltd., Citibank N.A., Deutsche Bank AG, HDFC payouts (if any) into the bank account (as furnished
• NRIs, FIIs Bank Limited, The Hongkong and Shanghai in Section 5 of the Application Form) of the Unit
Banking Corporation, ICICI Bank Limited, IDBI holder and eliminates the time lag between
Repatriation Basis despatch of the cheque, its receipt by the Unit
Bank Limited, Kotak Mahindra Bank Ltd.,
• In the case of NRIs, payment may be made either Standard Chartered Bank and YES Bank holders and the need to personally bank the
by inward remittance through normal banking Limited. The list of banks is subject to change instrument and await subsequent credit to the Unit
channels or out of funds held in his Non - Resident from time to time. holders account. Further, the potential risk of loss
(External) Rupee Account (NRE) / Foreign Currency of instruments in transit through courier / post is
(Non-Resident) Account (FCNR). In case Indian • National Electronic Funds Transfer (NEFT) also eliminated. Each of the said facility as a mode
rupee drafts are purchased abroad or from Foreign The AMC provides the facility of ‘National of payment, is faster, safer and reliable.
Currency Accounts or Non-resident Rupee Electronic Funds Transfer (NEFT)’ offered by In case the bank account as communicated by the
Accounts an account debit certificate from the Reserve Bank of India(RBI), which aims to Unit holder is with any of the said banks with whom
Bank issuing the draft confirming the debit shall provide credit of redemption anddividend the AMC has entered into arrangements to facilitate
also be enclosed. payouts (if any) directly into the bank account such direct credits or with any of the banks
• FIIs shall pay their subscription either by inward of the Unit holder maintained with the banks participating in the NEFT System offered by RBI,
remittance through normal banking channels (participating in the NEFT System). Unit holders the AMC shall automatically extend this facility to
or out of funds held in Foreign Currency can check the list of banks participating in the Unit holders.
Account or Non-Resident Rupee Account the NEFT System from the RBI website i.e.
HDFC Asset Management Company Limited / HDFC
maintained by the FII with a designated branch www.rbi.org.inor contact any of our Investor
Mutual Fund shall not be held liable for any losses
of an authorised dealer. Service Centres.
20 HDFC Mutual Fund

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10. Signatures Mutual Fund reserves the right to ascertain
direct credit or credit via NEFT / ECS of redemption Signature(s) should be in English or in any the status of such entities with adequate
INS / dividend proceeds on the basis of Bank Account
UCTI
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INSTRdetails as provided by the unit holder in the
Application Form.
minors should be signed by their Guardian. In order to verify that the PAN of applicants
In case of a HUF, the Karta should sign the (in case of application in joint names, each
However, if the Unit holders are not keen on availing Application Form on behalf of the HUF. If you of the applicants) has been duly and correctly
of any of the said facilities and prefer receiving are investing through your Constituted quoted therein, the applicants shall attach
cheques / demand drafts, Unit holders may indicate Attorney, please ensure that the Power of along with the purchase* application, a
their intention in the Application Form in the space Attorney is signed by you and your Constituted photocopy of the PAN card duly self-certified
provided specifically. The AMC would then ensure Attorney. The signature in the Application along with the original PAN Card. The original
thatthe payouts are effected by sending the Unit Form, then, needs to clearly indicate that the PAN Card will be returned immediately across
holders a cheque / demand draft. In case of signature is on behalf of the applicant by the the counter after verification.
unforeseen circumstances, the AMC reserves the Constituted Attorney. * includes fresh/additional purchase,
right to issue a cheque / demand draft. Systematic Investment #.
11. Nomination
9. The eServices facility includes The nomination can be made only by Further, as per the Notification No. 288 dated
HDFCMFOnline, HDFCMFMobile, eDocs, individuals applying for/holding units on their December 1, 2004, every person who makes
eAlerts and ePayouts. own behalf singly or jointly. Non-individuals payment of an amount of Rs. 50,000 or more
HDFCMFOnline including society, trust, body corporate, to a Mutual Fund for purchase^ of its units
partnership firm, karta of Hindu undivided should provide PAN.
This facility enables investors to transact online
on www.hdfcfund.com using HDFCMFOnline. family, holder of Power of Attorney cannot ^ includes fresh/additional purchase, switch,
On HDFCMFOnline, Unitholders can execute nominate. If the units are held jointly, all joint Systematic Investment# / Transfer and Dividend
transactions online for purchase*, redemption, holders will sign the nomination form. Reinvestment/ Dividend Transfer.
switch and also register for Systematic Minor(s) can be nominated and in that event, Since dividend reinvestment/ transfer of Rs.
Investment Plan (SIP) / Systematic Transfer Plan the name, address and signature of the 50,000 or more qualifies as purchase of units
(STP) of units of schemes of HDFC Mutual guardian of the minor nominee(s) shall be for aforesaid Notification, PAN is required to
Fund and other services as may be introduced provided by the unitholder. Nomination can process such reinvestment/transfer, failing
by HDFC Mutual Fund from time to time. also be in favour of the Central Government, which dividend reinvestment/transfer shall be
Unitholders can also view account details and State Government, a local authority, any person automatically converted into payout option.
portfolio valuation online, download account designated by virtue of his office or a religious # However, the requirement of PAN is
statements and request for documents via or charitable trust. The Nominee shall not be exempted in respect of Systematic Investment
email, besides other options. a trust, other than a religious or charitable Plan (SIP) upto Rs. 50,000/- per year per investor
* facility available with select banks and subject trust, society, body corporate, partnership firm, (Micro SIP). In case an investor wishes to invest
to submission of Permanent Account Number karta of Hindu undivided family or a Power through Micro SIP, the investor may contact
(PAN) and Know Your Customer (KYC) of Attorney holder. A non-resident Indian can any of the ISCs of HDFC Mutual Fund/ CAMS/
compliance proof by all Unitholder(s). Please be a Nominee subject to the exchange controls Distributors or visit our website
refer to paragraphs on Permanent Account in force, from time to time. www.hdfcfund.com
Number (PAN) and Know Your Customer (KYC) Nomination in respect of the units stands . Applications not complying with the
for further details. rescinded upon the transfer of units. above requirement may not be accepted/
HDFCMFMobile Nomination can be made for maximum processed.
number of three nominees. In case of multiple
This facility enables investors to transact on Additionally, in the event of any application
nominees, the percentage of allocation/share
their mobile handsets. On HDFCMFMobile, form being subsequently rejected for mismatch
in favour of each of the nominees should be
Unitholders can execute transactions on their of applicant’s PAN details with the details on
indicated against their name and such
mobile phone for purchase*, redemption or the website of the Income Tax Department,
allocation/share should be in whole numbers
switching of units of schemes of HDFC Mutual the investment transaction will be cancelled
without any decimals making a total of 100
Fund and other services as may be introduced and the amount may be redeemed at the
percent.
by HDFC Mutual Fund from time to time. applicable NAV, subject to payment of exit
Unitholders can also view account details and In the event of the Unitholders not indicating load, if any.
portfolio valuation on their mobile phone, the percentage of allocation/share for each
of the nominees, HDFC Mutual Fund/ HDFC Please contact any of the Investor Service
request for account statements, besides other
Asset Management Company Limited (AMC), Centres/ CAMS/ Distributors or visit our website
options.
by invoking default option shall settle the claim www.hdfcfund.com for further details.
* Payment arrangement for purchase of units
equally amongst all the nominees. 13. Prevention of Money Laundering
is available at present with HDFC Bank only.
Please visit our website from time to time for Transfer of units in favour of Nominee(s) shall Prevention of Money Laundering Act, 2002
an updated list of banks. You also need to be valid discharge by the AMC against the (hereinafter referred to as “Act”) came into
have opted for the mobile-banking facility with legal heir. effect from July 1, 2005 vide Notification
your Bank. As per RBI’s operative guidelines The cancellation of nomination can be made No. GSR 436(E) dated July 1, 2005 issued
on Mobile banking effective 10th October only by those individuals who hold units on by Department of Revenue, Ministry of
2008, presently there is a restriction of their own behalf singly or jointly and who Finance, Government of India. Further, SEBI
Rs.10,000 per customer per day for made the original nomination. On cancellation vide its circular reference number ISD/CIR/
transactions. of the nomination, the nomination shall stand RR/AML/1/06 dated January 18, 2006
eDocs rescinded and the AMC shall not be under mandated that all intermediaries including
any obligation to transfer the units in favour Mutual Funds should formulate and
This facility enables the Unit holder to receive
of the Nominee(s). implement a proper policy framework as
documents viz. account statements, etc. by
per the guidelines on anti money laundering
email to the email address provided by the 12. Permanent Account Number (PAN) measures and also to adopt a Know Your
Unit holder in HDFCMF eServices Request
SEBI has made it mandatory for all Customer (KYC) policy. The intermediaries
Form.
applicants (in the case of application in may, according to their requirements specify
eAlerts joint names, each of the applicants) to additional disclosures to be made by clients
This facility enables the Unit holder to receive mention his/her permanent account for the purpose of identifying, monitoring
SMS confirmation for purchase, redeem or number (PAN) irrespective of the amount and reporting incidents of money
switch, dividend declaration details and other of purchase*. Where the applicant is a laundering and suspicious transactions
alerts. minor, and does not posses his / her own undertaken by clients. SEBI also issued
PAN, he / she shall quote the PAN of his/ another circular reference no. ISD/CIR/RR/
Apart from above mentioned facilities, the
her father or mother or the guardian, as AML/2/06 dated March 20, 2006 advising
facility of ePayouts comprising of mode of
the case may be. However PAN is not all intermediaries to take necessary steps
payment of Redemption / Dividend Proceeds
mandatory in the case of Central to ensure compliance with the requirement
if any, via Direct Credit / NEFT / ECS is covered
Government, State Government entities of section 12 of the Act inter-alia
under eServices facility for further details,
and the officials appointed by the courts maintenance and preservation of records
please refer eServices booklet available at all
e.g. Official liquidator, Court receiver etc. and reporting of information relating to
Investor Service Centres (ISCs) as well as on
(under the category of Government) for cash and suspicious to Financial Intelligence
our website on www.hdfcfund.com.
transacting in the securities market. HDFC Unit-India (FIU-IND), New Delhi.

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The investor(s) should ensure that the amount and effect mandatory redemption of unit an application and the prescribed documents
invested in the scheme is through legitimate holdings of the investor(s) at the applicable to the Central Agency.
INS
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Investors should note that it is mandatory
INSTR designated for the purpose of any
contravention or evasion of the provisions of
any, in terms of the said communication
sent by the AMCto the investor(s) in this for all applications for subscription value
the Income Tax Act, Prevention of Money regard. The KYC documentation shall also of Rs.50,000/- and above to quote the KYC
Laundering Act, Prevention of Corruption Act be mandatorily complied with by the Compliance Status of each applicant
and / or any other applicable law in force and holders entering the Register of Members (guardian in case of minor) in the application
also any laws enacted by the Government of by virtue of operation of law e.g. for subscription and attach proof of KYC
India from to time or any rules, regulations, transmission, etc. Compliance viz. KYC Acknowledgement
notifications or directions issued thereunder. Letter (or the erstwhile Mutual Fund
The Mutual Fund, HDFC Asset Management Identification Number* (MIN) Allotment
To ensure appropriate identification of the
Company Limited, HDFC Trustee Company
investor(s) under its KYC policy and with a Letter) / Printout of KYC Compliance Status
view to monitor transactions for the prevention Limited and their Directors, employees and
downloaded from CVL website
of money laundering, HDFC Asset agents shall not be liable in any manner for
(www.cvlindia.com) using the PAN Number.
Management Company Limited (“the AMC”) any claims arising whatsoever on account of
Applicants intending to apply for units
freezing the folios/rejection of any application
/ HDFC Mutual Fund (“the Mutual Fund”) through a Power of Attor ney (PoA) must
/ allotment of units or mandatory redemption
reserves the right to seek information, record ensure that the issuer of the PoA and the
of units due to non-compliance with the
investor’s telephonic calls and or obtain and holder of the PoA must mention their KYC
provisions of the Act, SEBI circular(s) and KYC
retain documentation for establishing the Compliance Status and attach proof of KYC
policy and / or where the AMC believes that
identity of the investor, proof of residence, Compliance at the time of investment above
transaction is suspicious in nature within the
source of funds, etc. It may re-verify identity the threshold.
purview of the Act and SEBI circular(s) and
and obtain any incomplete or additional
reporting the same to FIU-IND. The KYC status will be validated with the
information for this purpose.
records of the Central Agency before
The investor(s) and their attorney, if any, 14. Know Your Customer (KYC) Compliance
allotting units. HDFC Mutual Fund will not
shall produce reliable, independent source
In terms of the Prevention of Money be held responsible and /or liable for rejection
documents such as photographs, certified
Laundering Act, 2002, the Rules issued there of KYC Form, if any, by the Central Agency.
copies of ration card/ passport/ driving
under the guidelines/circulars issued by SEBI Applications for subscriptions of value of
license/PAN card, etc. and/or such
regarding the Anti Money Laundering (AML Rs. 50,000 and above without a valid KYC
documents or produce such information
Laws), all intermediaries, including Mutual compliance may be rejected. Provided
as may be required from time to time for
Funds, have to formulate and implement a further, where it is not possible to verify
verification of the identity, residential
client identification programme, verify and the KYC compliance status of the investor
address and financial information of the
maintain the record of identity and address(es) at the time of allotment of units, the Trustee
investor(s) by the AMC/Mutual Fund. If
of investors. / AMC shall verify the / KYC compliance
the investor(s) or the person making
payment on behalf of the investor(s), In order to make the data capture and status of the investor within a reasonable
refuses / fails to provide the required document submission easy and convenient time after the allotment proof of residence,
documents/ information within the period for the investors, Mutual Fund Industry has source of funds, etc. It may re-verify identity
specified in the communication(s) sent by collectively entrusted the responsibility of and obtain any of units. In the event of non
the AMC to the investor(s) then the AMC, collection of documents relating to identity compliance of KYC requirements, the Trustee
after applying appropriate due diligence and address of the investor(s) to an / AMC reserves the right to freeze the folio
measures, believes that the transaction is independent agency [presently CDSL Ventures of the investor(s) and affect mandatory
suspicious in nature within the purview Limited (“CVL”)] which will act as central record redemption of unit holdings of the investors
of the Act and SEBI circulars issued from keeping agency (‘Central Agency’). As a token at the applicable NAV, subject to payment
time to time and/or on account of of having verified the identity and address of of exit load, if any
deficiencies in the documentation, shall the investor(s) and for efficient retrieval of
have absolute discretion to report * Valid only where investors who have
records, the Central Agency will issue a KYC
suspicious transactions to FIU-IND and / already obtained the erstwhile Mutual Fund
Acknowledgement Letter (previously known
or to freeze the folios of the investor(s), be Identification Number (MIN) by submitting
as Mutual Fund Identification Number – MIN*
reject any application(s) / allotment of units the PAN copy as the proof of identity.
Allotment Letter) to each investor who submits
CHECKLIST
Please ensure that your Application Form is complete in all respect and signed by all
applicants:
• Name, Address and Contact Details are mentioned in full. • Status of First/Sole Applicant is correctly indicated. • Bank Account Details are entered completely and
correctly.
• Permanent Account Number (PAN) of all Applicants is mentioned irrespective of the amount of purchase and proof attached (if not already validated). • Please attach proof of
KYC
Compliance status • Appropriate Option is selected. If the Dividend Option is chosen, Dividend Payout or Re-investment is indicated. • If units are applied by more than one
applicant,
Mode of Operation of account is
indicated.
Your investment Cheque / DD is drawn in favour of “Name of Scheme / dated, signed and crossed ‘A/c Payee only’. Application Number / Folio No. is mentioned on the reverse of
Plan”
Cheque/DD. the
Documents as listed below are submitted along with the Application Form (as applicable to your specific
case).
Documents Companies Trusts Societies Partnership FIIs NRI Investments
through Firms Constituted
Attorney
1. Resolution / Authorisation to
invest
2. List of Authorised Signatories with Specimen
Signature(s)
3. Memorandum & Articles of
Association
4. Trust Deed
5. Bye-Laws
6. Partnership Deed
7. Notarised Power of
Attorney
8. Account Debit Certificate in case payment is made
by DD from NRE / FCNR A/c. where
applicable
9. PAN
Proof
10. KYC Acknowledgement Letter (or erstwhile Mutual
FundIdentification Number (MIN) allotment letter) / Print out
of
KYC Compliance Status downloaded from CDSL Ventures
Ltd.
website (www.cvlindia.com) using PAN
Number
All documents in 1 to 6 above should be originals or true copies certified by the Director / Trustee / Company Secretary / Authorised Signatory / Notary Public, as
applicable.
22 HDFC Mutual Fund

ARN - 11770 PDF - 10000
ARN - 11770 PDF - 10000
ARN - 11770 PDF - 10000
TERMS & CONDITIONS
1. S I P i s a vai l ab l e to i nve st or s i n th e f ol l oMwiutnual g S Fu chem
nd :e( s) of HDFC ( ex c ept H DF l dC ren
s C’Gih ft
i F und ) i f th e SI P en rol mb en y tthpee ri od bsp e ec i fiued
i ncl d ed f ro m ti m e t o t i mef or . I nth oi srdl ierfac
t y,itopl enre asoel fi l l - up th e
H D F C Gr owt h F u nd , H D FC E qui tFyu nd F un , Hd, DHFDCBF ui Ca
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/ ECStr u cti / o n f aci l i ty.
Fu nd , HDFC I n dex Fu nd , HDFC G i ft Chi Funl dd,reHDFC
n’s B al an ced Fun d, HDFC f o r a p eri o fo 5d year s and pr oce ss ed acco rd i ng l y. 11. R et ur n ed che qu e( s ) m ay n o t t o b e pr es en t ed ag ain fo r colle ct ion . In cas e th e
P ru den ce Fu nd , HDFC Lon g Ter m Advan ta ge Fu nd t y l(ani nkoped en -en I ndecdaseq e uofi H D F C Ch i l dr en’s Gi ft Fu nd i nv es t or s (D o no r)reotur n bned ehalcfheq of ues the are U ani t H o ted
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TaxS aver (a n o pen - end ed eqs auivit yngl si nk s chedem e w i th a l o ck-i n pe Recuri orrdi ongf Savi n g Fa cial iper ty (R
i odSF)unfUn tiorl i tt he
Ho l denrs atthtaei ag e of
3 y ears ), H D MFoCnt hl M yF I nc om oe pen Pl an- en (an
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i ss ue d by
o r b
m yai e-l (im f aiopt
l ed t heb yu ni t h ol de r)
R FI Ffaci l i t y wi l l a ut om at i cal l y s t and te rm i n ate d u po n t h e Uni t
i n co ms enoi t as sua nd redsi us bj ec t to av ai l abi l i ty es ur ofpldus i st),riC
Hbu
oDre
tab
F Cl t o th e u ni t w h ol
i thd iern 1 0 w or ki ng fday i rsi snt vfoesr tm t he
en t t Shro I P.
ug Th h e
Hol d er a tt ai ni n g 1 8 yea rs of ag e.
& Sa tel l i t H e D F un
F Cd, P rem -i C er apMul F un
t i d, H D F C Mu l tiHplDeF C Yi el d F un d, s ub seq uen t acs cta outem nt ent b wi
e des
l l pa tc hed ev onc
e ry e qua rte r end i ng M ar c h,
i v) Th e Loa d St ruf ctu or re i nve st m ent s th ro ug h SI P i s a s f ol l o ws :
A r bi tr age F un Id,n cHom D Fe CFu nd , HD F C H i gh I n teres t F u nd, H D F C Sho rt Term Pl an, J un e, Se pt em be r an d Dece m ber wi t hi n 10 wo rki n g d ays of th e en d o f r es pect i ve
H D F C C as h Ma nag em Treenast ur FAunyd vd an- tag e Pl an , H D FHCD FGiCl t F un (a)d, Ent ry Lo ad: N ot Ap plic ab le. q uar ter.c Ia nse o f s pecr iequ f i ces t rec e i ve d fr om i nv F uesnd to
w rsipl ,ro
lM dv eut
i ua l
F l o ati n g Ra te I nc o m e FMund u l etiand
pYil elHdD F FuCnd - Pl an 20 05 Pu rs uan t to SEBI c i rc ul arR no. N o.4/SE168 BI /I23M0/0 D /C9 dat
I ed Ju ne 3 0, t20 he 09 ,
a ccou nt st ate m ent to w th iethi inven 5st or wos rk i ng days fr om t he r ecei p t o f
noe ntr oy adlw ibl el c har ged r wi es pec
tht ot ap pl i c ati o ns for o ns reg uni der
st rat i s uc h req ues t w i tho ut any cshoarg ft ces.o pyFu of rt her,th setaactem c ou enntt s hal l
T he ab ov e slisu tbjeisc t t o c h ang e fr o m t ime to tim e. P lea se c ont ac t th e ne ar es t
s yst em at ic inve s tm en t p lan s a ccep te d b y th e Mu tu al Fu nd wit h e ff ect f ro m
I nve s to r S er vice Ce nt re (IS C) of H D FC M u tu al Fu nd fo r upd at ed lis t . b e ma e di l to th e i nv es to rs un de r SI a dd
P to res th
s m ei
onro ant
e- hl m yai lbas i s , i f s o
A ug us t 1 , 20 u09pf. ro The
cnto m mi s s i on o n i n v est tmheent i n v ma es to
der, b y m and ated .
2. T he SI P Enr ol m en t F o rm s ho uli nd En be gl c oi m
si hnplaBl
etnded
o c k L et ter s on l y.
i f ans y,h al l bet op ait he A
d R N H ol d er r eg(siAt ere
MFdI Db iuts or tr i)r ec
d yit l b y
P l eas e t i ck ( )a pp i n ro
t hepr i at e b w oxh (ere ), bo xes have bee n p ro vi de d. T he 13. U nt i ho l der sh av w iel tl he r i gh t to di s c on ti nu ae ny th etiSI msPeenfb ac
di
y ni lgi ty at
th e i n ves to r, obnasthede i nveasts se o r’sss m en t o f va ri o us fa cto rs i n cl ud i ng
S IP En ro lm en t Fo rm co m ple tes in h ouallld r be
es psects
u bm, it te d a t an y o f t he a w ri t te n re qu es t t o t he I S C. d i Not
s coni ce ti nofua nces uchs h ou l da bt e re cei ved
s ervi ce ren d ere d b y th e ARN Ho l d er.
In ves t or Ser vice (Ce ISCsnt re) so f HDFC
M ut ua l Funadt ot he r Of ficia l Poin t s o f l ea st d15 ay s pr it or he to du e dat e of th e ne x t c heoquf e. s ucOnh rec re qu e iesptt,
Acce pt an ce o f Tr an sa ctio n (s ) of Co mp u ter Ag e Man ag em en t (bS )erExit vicesLoPvt ad . : Lt d.
t he SIP f acilit y w ill be ter m in ate d a nd th e b ala nce po s t d at ed che qu e( s) will b e
( CAMS). N am e of t he Sc h emeEx it Lo ad
re tu rn ed t o t he U n i t ho l de r.
Th is For m is no t a ppl ic abl e fo r in ves t men ts t hr oug h M ic ro Sys HDFC t ema ticG ro Inwt
vesh t Fu
menndt ,• IHDFC
n res pe c t ofP neac is tal
h Slm I en t l es s t han
14. Th eSPen I rol m w entbe
i l d si c on ti nu ed t heand ba
an lc e ch equ es, i f an y, wi l l be retu rn ed
P lan( M ic ro SIP u pt) oi.eR s. 5 0,0 00 p er year pe r in ves t or. For in ves tm en Eqtut tyihrFouunHDF
ghd, C To p 20R0 s. 5 c ro n rev ali ue , tanLEoad x i of 1.0 0%
u p M i cro SIP En ro lm en t F or m a vai lab F le uand t , HDF C Cap i tal in B ui
p al dyaber le if Un it s a r e r ed e eme d / to th e huni ol td er i n wc her as es e th ree c on se c uti v e arSIePnoC thehoque no (s)red .
a ny o f ou r I SC s o r o n o ur s wi t c he d -o ut wi t hi nt he 1 y ear 15. U n i o f H D F C L on g Ter m A d v ant ag e F un d anb de as HD s iF C Ta x Sav er
o f H D F C M ut ual F u nd ar e re qu i Fu nd , HDFC Pr em i er oMul f alt li o- tm en t. / / sw i tc he d - o ut un ti l c om pl et i on of
t he SI P En ro l m en t Fo rm . Exi s t i ng un i t h ol d er s Ca p Fu nd , HDF C Bal ance d t he d at e of al l o tm en t o f t he r es pe cti ve
c o mp l ete d etai
s ecltsi Se c ti on l s and mo de Fu n d a nd HDFC Pr ud en ce t ha n R s.5 c ro re i n va l ue,
i o nu mb er F un d L o ad
a ll ap plica nt s (in t h e cas e o f a pp licat ion in join t
p rev ai l ov er i c t i o n fu rn i s fo rm . H DF C L o n g Te r m n am es , e ach o f th e ap plica nt s ) to m en tio n
w i th th e de tai l s i nf tolhei oe xnui m ber, Ad van t ag e Fu * nd (PA N ) i rr es pec t i v e of th e am ou nt o f p urc h as e*.
a pp l i cati o n f or m i s l i ab l e t o b e re j ecte d. Ta x Sa ve r d oes n ot po ss es h i s / s h e s ha l l h er fat he r
n v es to rs wh o w i sh to m en t o r m ot he r or th e gu ar di an , as th e c as e m ay b e. Ho wev e r PAN i s no t m an dat or y i n
c a ti o n F or m . N ew i n v est or s Sh or t Ter m Pl a n G ov ern men t, Sta te Gov er nm ent al
ad vi s ed to I n for mat i on D oc um renesp t(s)ec ti v e • I n re sp ect of each pu rch as e/ b y th e co u rt s e .g . Of ficia l liq uid at or, Cou r t r eceive r e tc. (un d er th e cat eg o ry o f
an d Stat eme nt of Ad di ti o nal c ar efu
I l i nv es ti n g. The Sc hem e if t ra ns ac ti n g i n th e se c ur i ti es m ark et. H D F C Mu tu al F un d r es erv es
I n fo rm ati o n M em or and um (s ) of t he r esp ec ti v e r ed eem ed t hi n w i th ad equ ate s up por ti ng doc u me nts .
a nd St ate men t o f AI nddfoi rm ati o n aare bl e wi t h th e I SC s
o f HDFC Mu tu al Fun d , br ok ers /d i s tr i bu to rs an d al s o di s pl a yed a t t he HDFC I n o rd er to v eri fy t hat
is f a re rede emed /
Mu t ua l Fun d we b sit e i .e. ww w.h dfc fu nd. co m.
m o nth s f rom th e dat e
e xi s ti n g f ol in ives
o tmen ts into res pec tive al p ur c has e* d ul y
s elf - cer tif ied alo n g w it h t he o rig in al PAN Car d. Th e o rig in al PA N Car d w ill b e
s Gi f t F un • Fo
d –r u ni t s su b j ect t o Lo ck- i n P eri o d : NI L t he cou nt er a ft er ver i fi ca ti o n.
n ot e o f th e f ol l ow i ng re qu i rem en ts :
• Fo r u ni t s
* i n cl u de s f res h/ add i ti o nal p urc h as e, Sy s te ma ti c I nv es t men t. #
Plan t he u ni ts are r edeem t c hed
ed /
o n D o c um en t wi l l no t be appl i c abl e f or F ur th er, as N pero ti fi c at i on No . 28 8 d ated D ec em ber 1, 20 04 , ev er y p ers on wh o
d at e of
m akes pa ym en t o f an am o un t of Rs . 50 ,00 0 or mo re t o a M ut ual F u nd f or
al l
R s . 5,0 00 /-. i n v es to r c an ent S c erhem e p ro v i de
w i th mi n i m um am ou nt of Rs . 50 0/ -. - 2% i f th e un ri edee med /
f re sh /ad di t i on al pu rc h as e, s win tvcesh,tm e nt
ou t b etw een th e fi r s t an d s eco nd year
i n v es to rs t he f ol l o wi n g tw o D i v i den d R ei nv es t men t/
of th e da te o f a l l ot m ent ;
# H o wev e r, th e req ui r em ent of I n v es tm en t
Pla n ( SIP) u p to Rs . 5 0, 00 0/ - p er year pe r in ves to r ( Micro SIP ).
ou t be twe en t he s ect hi o nd r d y ear
e ac h m on th . A n o f R s. 5 0,0 00 or m or e qu al i fi es as pu rc ha se o f
i s el i tgio bi ls su e on l e , an i nv es to r u nit s fo r a fo r es aid Not if icat ion , PA N is r eq u ire d t o p ro ces s s u ch r ein ves t me nt /
L i f u ni ts are
i s s ue f or Ju ne tr ans fe ri n g wh i ch di v i den d rei nv es be tm en t/ tr ans y ferc on v ert ed
af te r t he t hir d year f ro m t he da te of
SI t he al l
f or each qu ar ter. e l i gi b l e to i ss u e on l y on e ch equ e f or eachS che qu art
meer. s ot he r t h an t h os e t he a bove
T her e s h ou ld b e a g ap of th re e m on th s be tw een tw o cheq u es . Fo r exa mp le, an o nal l y , ev e nt o f any ap pl i c ati sonu bsfoequ rm ent l f or
m ent i one d abo v e
i n v es to r c an no t i s su e on e c he qu e fo r A pr i l 1s t an d t he o th er f or May 1s t u nd er t he c a nt ’ w i th th e det ai lws ebonsi t e of th e I nc o me
al l ot m ent of un i ts wi l l be l ev i ed .
b eg i nni n g o f th e qu art er c o ul d b e of any m on th th e i nve st m en t tr an s acti o n w i l l be
A p ri l , A ug us t , Oc to ber, e d. s av i ngs sc hem e wi th a l oc k-i n app licab le NAV, e xit lo ad , if
A s ep ar ate SI P En ro l m ent For m m us t b e f i Please contact the nearest Investor Service Centre (ISC) of HDFC Mutual
Th e det ai n i mu m nu mb er of for
Fund current Load ww w.h df cfu nd .co m
d ur at i on , en tr y l oa d, exi t l o ad , et c. u nd er M SI P an d Q SI P a re g i ven be l ow :
SI SIP
i) Minimum Amount
c heq ue s u nd er MSI P an d QS I P s ho ul d In
per Schemes other than HDFC HDFC i f an i n v est or i s MS en ro
I Pl lfoi r th e pe ri od Ju l y - D ec em ber un der 20 09 n es/ c i rc ul ar s i ss ue d by A SEBIn ti Mo reg ard neyi L aun deri n g
TaxSaver* to tal am ou nt of b e re qu it o i s su e s i x (AM L Law s) , all in te rm ed iar ies , in clud in g Mu tu al Fu n ds , h ave t o fo rm u late an d
Advantage Fund* s am e d at e ( exce pt f or fi rs t SIP che qu e w h ich cou ld be of an y d at e) an d s a m e
Advantage am ou nt . I t m ay , ho w ev er, b e no te d t hat th e fi r s t SI P c h eq ue i d ent
c o iultyd an bed a dd res s (es ) o f i nv e st or s .
bu t al l c h equ es s ho ul d b e dat ed ei th er 1 st , o5th r 25, 10th th,
. In t o m ake th e dat a c ap tu re an d d oc u m ent su bm i s si o n ea sy an d c o nv e ni en t
( of a nd th e su bs eq uen t c h eq ue s ho ul d no tf fa or l li n v es to rs , Mut ua l e c ti v el y en tr us ted th e re sp on s i
QSIP Rs. 1,500/- sa m e m on th fo r th e MS I P an d s ho ul d no t f al l i n t he sa me qu art er fo r t he Q SI P. an
and
thereafter. 8. U ni t s w i f al l s N o n- a gen cy [p res en tl y CDS L Ve nt ur es
n ex t B us i nes s D ay a gen c y (‘C en tr al A gen c y ’). A s a to ken o f h av i ng v eri f i
ii) Total Minimum t he pu rp os e of de ter mi n i ng th e ap pl i c ab i l i tyid of en titNyAan V d a dd re s s o f th e in ves to r (s ) an d f o r ef f icien t r et riev al of r eco rd s , th e
Number Schemes to the real i z at i on of c heq ue s. F u rt her, ia c c ept ed Cen t ral Ag en cy wi l l i s s ue
che qu es dr aw n o n a l o cat i on wh er e I SCs o f HDFC Mu tu al Fu Mund tu aldo Fu es nd no tI den ti f i c ati o n N um b er – MI e acN h* i n v est or wh o
Term Advantage Fund* Advantage pr ese nc e b ut H D F C Ba nk h as a p res en c e, un i ts wi l l be al l o tte d on thi ce adat ti oen on an dwhi t hec hp res c r i A g en c y.
Fund* p ti o n p ro c eed s a re r eal i z ed . s ho ul d no te th at i t i s mapp andl iatoca ry ti onsfor fo r su bs c rio pti f o n of
9. The c h equ es b e dr awn i n fav o ur f i c a ppl i c ab l e q uot e the K YC C om pl i anc e Statu(gsuard of i an
Rs. 1,000/ - in value: (e. g. in cas e o f H D F C MF M ont hly In co me Plan - i n c as e a ppl i c ati on o n and
viz. e dgem ent t he ers twh i l
12respect of each SIP
• In O nl y ”. U n i t h ol d ers m us t w ri t e th e SI P En ro l me (M nt I N ) A l l ot me nt L et ter ) / Pri n to ut d ow nl o aded fr om C VL
or w ebs i te (ww w.c v l i ndi a.c o m) A p pl i c ant s i nt end i
greater than Rs. 1,000/
s s i tu at ed a t an d i s t hro ug h a Powe r of A tt orn ey (PoA ) mu st ens P oA ure andt hat t thehe i ss uer
- a m em b er o f t he Ba nk er s ’ Cle ar ing Ho us e loc ate d at th e p lace ho whl erdere t hPo e SIAP o n th ei r KY C Co mp l i anc e Stat us
app l i c ati o n i s su bm i tt ed. Out st ati o n c h equ es wi l l no t b e ac c ept ed i an c e at th e ti me t he t hre sh ol d.
Installment less ac c om p ani e d b y a bl e t o b e re j ec ted . N o
Rs.
than3,000/ - in value: b e acce pt ed . l iable fo r
4 Pay m en t m ay al s o b e ac c ep ted uby ni t diho
r ec l der
t s ’ ban k ac c o un ts . F or o ns
Installment equal to s pu rp os e, u ni t h ol d ers are c o m pl i an c e ma y be r ej ec te d.
greater than Rs. (wi t h w ho m HDFC Mut ua l i t i s n ot
or
b an k ac c ou nt s s u bs c ri p ti on pr oc ee ds of s h al l ver i fy t he KY C
3,000/- co mp l i an ce s tat u s o f t he i n ves to r w i th i n a
to a rra ng eme nt f ord ebi t
fac i l i t y an d A BN A m ro u nit s . In th e eve nt of n on com p lian ce o f K Y C re qu ir em en ts , t he Tru s tee / AMC
r es er ve s t h e r ig ht t o f r eeze t he fo lio o f t he in ves t or (s ) an d a ff ec t m a nd at o ry
h ol d er s m ay al s o en ro l l r ed em pt io n o f un it h o ldin g s o f th e in ves t or s at th e a pp licab le N AV , s ub jec t t o
i i i ) Th ere i s no SI p aym en t o f exit load , if an y.
of
Gr ow th F un d, Bui al s o en ro l l fo r SI P Di r ec t De bi t Ax F ai cs i Ba
l nk L t d. , V al i d le
& Sa tel l i t e Fu nd , HDFC Pr em i er Mul t i -Ca p Fu nd , HDFC B alM anaced
hi ndFuran Bd ank
an d L td ., I nd us
U nI nd
i on o f I nd i a, Ban k of Bar oda ,
HDFC P ru de nce Fun d . In cas e o f a ll ot he r S che me s elig ible foI nr diS IP
a anfa dcility,
Pu nj ab / 18. Th e Tru st ee res err vi gh
es t to c han ge/ mot erm
di fsy and c on di tiSo Ins
P. of
ARN - 11770 PDF - 10000
TERMS & CONDITIONS
A) SIP Payment through Electronic Clearing Service (Debit Clearing) of the Reserve Bank of India (RBI)
List of Cities for SIP Auto Debit Facility via ECS (Debit
Clearing)
Agra, Ahmedabad, Allahabad, Amritsar, Asansol, Aurangabad, Bangalore, Belgaum, Bhilwara, Bhopal, Bhubaneshwar, Burdhwan, Calicut, Chandigarh, Chennai,
Coimbatore,
Dehradun, Dhanbad, Durgapur, Erode, Gadag, Gorakhpur, Guntur, Guwahati, Gwalior, Hubli, Hyderabad, Indore, Jabalpur, Jaipur, Jalandhar, Jammu, Jamnagar,
Jamshedpur,
Jodhpur, Kakinada, Kanpur, Kochi, Kolhapur, Kolkata, Lucknow, Ludhiana, Madurai, Mangalgiri, Mangalore, Mumbai, Mysore, Nagpur, Nashik, Nellore, New Delhi, Panjim,
Patna,
Pune, Raipur, Rajkot, Ranchi, Salem, Shimla, Sholapur, Siliguri, Surat, Tenali, Tirupur, Tirupati, Trichur, Trichy, Trivandrum, Udaipur, Udupi, Vadodara, Varanasi, Vijayawada,
Vizag
1. This facility is offered only to the investors having bank accounts in select cities mentioned
above.
2. The bank account provided for ECS (Debit) should participate in local MICR
clearing.
3. SIP auto debit facility is available only on specific dates of the month as
under :
Cities SIP Dates
Pondicherry 5th / 10th / 15th / 25th
4. The investor agrees to abide by the terms and conditions of ECS facility of
RBI.
B) SIP payment through Direct Debit Facility
List of banks / branches for SIP Direct Debit Facility
*
Banks Branches
Axis Bank Limited, IDBI Bank Limited, Kotak Mahindra Bank Limited, IndusInd Bank Limited and Union Bank of India All
Branches
Bank of India, Bank of Baroda and Punjab National Select Branches
Bank
* Please contact HDFC Mutual Fund Investor Service Centre for updated list of banks / branches eligible for Direct Debit
Facility.
1. This facility is offered only to the investors having bank accounts in select banks / branches eligible for this
facility.
2. This facility is available on all SIP dates of a month /
quarter.
C) SIP payment through Standing Instr uction

Currently, the Banks with which AMC has arrangement for SIP registration via Standing Instructions
are:
• HDFC Bank • ICICI Bank • ING Vysya Bank • Axis Bank • ABN Amro
Bank
1) This facility is offered only to the investors having bank accounts in the above mentioned
Banks.
2) This facility is available on all SIP dates of a month /
quarter.
Please contact HDFC Mutual Fund Investor Service Centre for updated list of banks eligible for Standing
Instruction.
D) Common Terms & Condit ions for above mentioned Facilities
Please read this form in conjunction with the SIP terms and conditions mentioned on the reverse of the SIP Enrolment Form before
applying.
1. The first cheque should be drawn on the same bank account which is to be registered for ECS (Debit Clearing) / Direct Debit / Standing
Instruction.
Alternatively, the cheque may be drawn on any bank, but provide a photocopy of the cheque of the bank / branch for which ECS (Debit
Clearing)
Direct / / Standing Instruction is to be registered. However, investors need not submit the First Cheque for SIP enrollment provided the SIP
Debit
Auto
Debit Application Form is attested by the Bank from which SIP installment will be debited or copy of the cancelled cheque or photocopy of the
cheque
of bank account from which the SIP installment will be debited is attached to the
form.
2. Unit holder need to submit only SIP Auto Debit Application Form in cases where the installment amount is less than Rs. 50,000 and mode of
holding is than Joint”.
“other
3. First SIP Cheque and subsequent SIP Installments via ECS (Debit Clearing) / Direct Debit / Standing Instruction should be of the same
amount.
4. Please submit the following documents atleast 30 days before the first SIP date^ for ECS (Debit Clearing) / Direct Debit / Standing
Instruction :
New Investors Existing
Investors
Application Form for the respective Scheme(s)** SIP Enrolment
Form
SIP Auto Debit Application Form SIP Auto Debit Application
Form
First SIP First SIP
Cheque Cheque
^ In case the auto debit start date as mentioned in the form does not satisfy this condition the first SIP date shall be rolled over to begin from
the immediately following month /quarter / year, as applicable (provided the roll over SIP date does exceed the maximum time gap of 60 days between
the
first cheque for SIP investment and first installment of SIP through ECS (Debit Clearing) or Direct Debit) / Standing Instruction and also the end date
shall
accordingly get extended.
** included in the Key Information
Memorandum
5. The cities / banks / branches in the list may be modified/updated/changed/removed at any time in future entirely at the discretion of HDFC Mutual
Fund/ HDFC Asset Management Company Limited without assigning any reasons or prior notice. If any city / bank / branch is removed, SIP
instructions
investors in for
such city / bank / branch via (ECS) (Debit Clearing) / Direct Debit / Standing Instruction route will be discontinued without prior
notice. will not hold HDFC Mutual Fund / HDFC Asset Management Company Limited, its registrars and other service providers responsible
6. Investors
if thetransaction is delayed or not effected or the investor bank account is debited in advance or after the specific SIP date due to local holidays or any
other
reason.
7. HDFC Mutual Fund / HDFC Asset Management Company Limited, its registrars and other service providers shall not be responsible and liable for
any damages/compensation for any loss, damage etc. incurred by the investor. The investor assumes the entire risk of using this facility and takes
full
responsibility
.
8. HDFC Mutual Fund / HDFC Asset Management Company Limited reserves the right to reject any application without assigning any reason
thereof.
9. Please refer the Key Information Memorandum / Scheme Information Document(s) of respective Scheme(s) and Statement of Additional
Information
for Applicable NAV, Risk Factors, Load and other
information.
10. The SIP enrollment will be discontinued in cases where three consecutive SIP installments are not honored or the Bank Account [for ECS (Debit
clearing)/
Direct Debit / Standing Instruction] is closed and request for change in bank account [for ECS (Debit clearing) / Direct Debit / Standing Instruction] is
not
submitted at least 30 days before the next SIP Auto
Debit.
11. You can choose to change your bank account or discontinue this facility by giving thirty days written notice to any of our Investor Service
Centres.
ARN - 11770 PDF - 10000
TERMS & CONDITIONS
1. S I P i s a vai l ab l e to i nve st or s i n th e f ol l oMwiutnual g S Fu chem
nd :e( s) of HDFC ( ex c ept H DF l dC ren
s C’Gih ft
i F und ) i f th e SI P en rol mb en y tthpee ri od bsp e ec i fiued
i ncl d ed f ro m ti m e t o t i mef or . I nth oi srdl ierfac
t y,itopl enre asoel fi l l - up th e
H D F C Gr owt h F u nd , H D FC E qui tFyu nd F un , Hd, DHFDCBF ui Ca
C l pi
dToer
t pal 2 00 u ni t dho erils m or e tha n 5 y ea rs e, nr th olenmt he ent SIwiP l l be d eem ed tAp o bplei ca ti o n Fo rm fo r S I P Aut S taondDe i ng bi t I ns
/ ECStr u cti / o n f aci l i ty.
Fu nd , HDFC I n dex Fu nd , HDFC G i ft Chi Funl dd,reHDFC
n’s B al an ced Fun d, HDFC f o r a p eri o fo 5d year s and pr oce ss ed acco rd i ng l y. 11. R et ur n ed che qu e( s ) m ay n o t t o b e pr es en t ed ag ain fo r colle ct ion . In cas e th e
P ru den ce Fu nd , HDFC Lon g Ter m Advan ta ge Fu nd t y l(ani nkoped en -en I ndecdaseq e uofi H D F C Ch i l dr en’s Gi ft Fu nd i nv es t or s (D o no r)reotur n bned ehalcfheq of ues the are U ani t H o ted
l nder
pgai
res n,
t en
he ec escsar h arg y aesre l i abl e t o be d ebi t ed
s av i ng s s c hemoec wi k-i thn paeri l yodea -of
rs for
3 mer HD l yF C Ta x Pl an 200 0), (i.e H D. FC th e b en ef iciar y chi ld)f oca r nt hee nrRe ollcur I nverinstg m en t Fa cility ( RIF)t o/ th e i nv e st or.
TaxS aver (a n o pen - end ed eqs auivit yngl si nk s chedem e w i th a l o ck-i n pe Recuri orrdi ongf Savi n g Fa cial iper ty (R
i odSF)unfUn tiorl i tt he
Ho l denrs atthtaei ag e of
3 y ears ), H D MFoCnt hl M yF I nc om oe pen Pl an- en (an
i ded
n c om e sc h em e. y M on th 18 l year s . Th/ eRS 12. A n A c c ou nt Stat
w i
embl e
l ent
i ss ue d by
o r b
m yai e-l (im f aiopt
l ed t heb yu ni t h ol de r)
R FI Ffaci l i t y wi l l a ut om at i cal l y s t and te rm i n ate d u po n t h e Uni t
i n co ms enoi t as sua nd redsi us bj ec t to av ai l abi l i ty es ur ofpldus i st),riC
Hbu
oDre
tab
F Cl t o th e u ni t w h ol
i thd iern 1 0 w or ki ng fday i rsi snt vfoesr tm t he
en t t Shro I P.
ug Th h e
Hol d er a tt ai ni n g 1 8 yea rs of ag e.
& Sa tel l i t H e D F un
F Cd, P rem -i C er apMul F un
t i d, H D F C Mu l tiHplDeF C Yi el d F un d, s ub seq uen t acs cta outem nt ent b wi
e des
l l pa tc hed ev onc
e ry e qua rte r end i ng M ar c h,
i v) Th e Loa d St ruf ctu or re i nve st m ent s th ro ug h SI P i s a s f ol l o ws :
A r bi tr age F un Id,n cHom D Fe CFu nd , HD F C H i gh I n teres t F u nd, H D F C Sho rt Term Pl an, J un e, Se pt em be r an d Dece m ber wi t hi n 10 wo rki n g d ays of th e en d o f r es pect i ve
H D F C C as h Ma nag em Treenast ur FAunyd vd an- tag e Pl an , H D FHCD FGiCl t F un (a)d, Ent ry Lo ad: N ot Ap plic ab le. q uar ter.c Ia nse o f s pecr iequ f i ces t rec e i ve d fr om i nv F uesnd to
w rsipl ,ro
lM dv eut
i ua l
F l o ati n g Ra te I nc o m e FMund u l etiand
pYil elHdD F FuCnd - Pl an 20 05 Pu rs uan t to SEBI c i rc ul arR no. N o.4/SE168 BI /I23M0/0 D /C9 dat
I ed Ju ne 3 0, t20 he 09 ,
a ccou nt st ate m ent to w th iethi inven 5st or wos rk i ng days fr om t he r ecei p t o f
noe ntr oy adlw ibl el c har ged r wi es pec
tht ot ap pl i c ati o ns for o ns reg uni der
st rat i s uc h req ues t w i tho ut any cshoarg ft ces.o pyFu of rt her,th setaactem c ou enntt s hal l
T he ab ov e slisu tbjeisc t t o c h ang e fr o m t ime to tim e. P lea se c ont ac t th e ne ar es t
s yst em at ic inve s tm en t p lan s a ccep te d b y th e Mu tu al Fu nd wit h e ff ect f ro m
I nve s to r S er vice Ce nt re (IS C) of H D FC M u tu al Fu nd fo r upd at ed lis t . b e ma e di l to th e i nv es to rs un de r SI a dd
P to res th
s m ei
onro ant
e- hl m yai lbas i s , i f s o
A ug us t 1 , 20 u09pf. ro The
cnto m mi s s i on o n i n v est tmheent i n v ma es to
der, b y m and ated .
2. T he SI P Enr ol m en t F o rm s ho uli nd En be gl c oi m
si hnplaBl
etnded
o c k L et ter s on l y.
i f ans y,h al l bet op ait he A
d R N H ol d er r eg(siAt ere
MFdI Db iuts or tr i)r ec
d yit l b y
P l eas e t i ck ( )a pp i n ro
t hepr i at e b w oxh (ere ), bo xes have bee n p ro vi de d. T he 13. U nt i ho l der sh av w iel tl he r i gh t to di s c on ti nu ae ny th etiSI msPeenfb ac
di
y ni lgi ty at
th e i n ves to r, obnasthede i nveasts se o r’sss m en t o f va ri o us fa cto rs i n cl ud i ng
S IP En ro lm en t Fo rm co m ple tes in h ouallld r be
es psects
u bm, it te d a t an y o f t he a w ri t te n re qu es t t o t he I S C. d i Not
s coni ce ti nofua nces uchs h ou l da bt e re cei ved
s ervi ce ren d ere d b y th e ARN Ho l d er.
In ves t or Ser vice (Ce ISCsnt re) so f HDFC
M ut ua l Funadt ot he r Of ficia l Poin t s o f l ea st d15 ay s pr it or he to du e dat e of th e ne x t c heoquf e. s ucOnh rec re qu e iesptt,
Acce pt an ce o f Tr an sa ctio n (s ) of Co mp u ter Ag e Man ag em en t (bS )erExit vicesLoPvt ad . : Lt d.
t he SIP f acilit y w ill be ter m in ate d a nd th e b ala nce po s t d at ed che qu e( s) will b e
( CAMS). N am e of t he Sc h emeEx it Lo ad
re tu rn ed t o t he U n i t ho l de r.
Th is For m is no t a ppl ic abl e fo r in ves t men ts t hr oug h M ic ro Sys HDFC t ema ticG ro Inwt
vesh t Fu
menndt ,• IHDFC
n res pe c t ofP neac is tal
h Slm I en t l es s t han
14. Th eSPen I rol m w entbe
i l d si c on ti nu ed t heand ba
an lc e ch equ es, i f an y, wi l l be retu rn ed
P lan( M ic ro SIP u pt) oi.eR s. 5 0,0 00 p er year pe r in ves t or. For in ves tm en Eqtut tyihrFouunHDF
ghd, C To p 20R0 s. 5 c ro n rev ali ue , tanLEoad x i of 1.0 0%
u p M i cro SIP En ro lm en t F or m a vai lab F le uand t , HDF C Cap i tal in B ui
p al dyaber le if Un it s a r e r ed e eme d / to th e huni ol td er i n wc her as es e th ree c on se c uti v e arSIePnoC thehoque no (s)red .
a ny o f ou r I SC s o r o n o ur s wi t c he d -o ut wi t hi nt he 1 y ear 15. U n i o f H D F C L on g Ter m A d v ant ag e F un d anb de as HD s iF C Ta x Sav er
o f H D F C M ut ual F u nd ar e re qu i Fu nd , HDFC Pr em i er oMul f alt li o- tm en t. / / sw i tc he d - o ut un ti l c om pl et i on of
t he SI P En ro l m en t Fo rm . Exi s t i ng un i t h ol d er s Ca p Fu nd , HDF C Bal ance d t he d at e of al l o tm en t o f t he r es pe cti ve
c o mp l ete d etai
s ecltsi Se c ti on l s and mo de Fu n d a nd HDFC Pr ud en ce t ha n R s.5 c ro re i n va l ue,
i o nu mb er F un d L o ad
a ll ap plica nt s (in t h e cas e o f a pp licat ion in join t
p rev ai l ov er i c t i o n fu rn i s fo rm . H DF C L o n g Te r m n am es , e ach o f th e ap plica nt s ) to m en tio n
w i th th e de tai l s i nf tolhei oe xnui m ber, Ad van t ag e Fu * nd (PA N ) i rr es pec t i v e of th e am ou nt o f p urc h as e*.
a pp l i cati o n f or m i s l i ab l e t o b e re j ecte d. Ta x Sa ve r d oes n ot po ss es h i s / s h e s ha l l h er fat he r
n v es to rs wh o w i sh to m en t o r m ot he r or th e gu ar di an , as th e c as e m ay b e. Ho wev e r PAN i s no t m an dat or y i n
c a ti o n F or m . N ew i n v est or s Sh or t Ter m Pl a n G ov ern men t, Sta te Gov er nm ent al
ad vi s ed to I n for mat i on D oc um renesp t(s)ec ti v e • I n re sp ect of each pu rch as e/ b y th e co u rt s e .g . Of ficia l liq uid at or, Cou r t r eceive r e tc. (un d er th e cat eg o ry o f
an d Stat eme nt of Ad di ti o nal c ar efu
I l i nv es ti n g. The Sc hem e if t ra ns ac ti n g i n th e se c ur i ti es m ark et. H D F C Mu tu al F un d r es erv es
I n fo rm ati o n M em or and um (s ) of t he r esp ec ti v e r ed eem ed t hi n w i th ad equ ate s up por ti ng doc u me nts .
a nd St ate men t o f AI nddfoi rm ati o n aare bl e wi t h th e I SC s
o f HDFC Mu tu al Fun d , br ok ers /d i s tr i bu to rs an d al s o di s pl a yed a t t he HDFC I n o rd er to v eri fy t hat
is f a re rede emed /
Mu t ua l Fun d we b sit e i .e. ww w.h dfc fu nd. co m.
m o nth s f rom th e dat e
e xi s ti n g f ol in ives
o tmen ts into res pec tive al p ur c has e* d ul y
s elf - cer tif ied alo n g w it h t he o rig in al PAN Car d. Th e o rig in al PA N Car d w ill b e
s Gi f t F un • Fo
d –r u ni t s su b j ect t o Lo ck- i n P eri o d : NI L t he cou nt er a ft er ver i fi ca ti o n.
n ot e o f th e f ol l ow i ng re qu i rem en ts :
• Fo r u ni t s
* i n cl u de s f res h/ add i ti o nal p urc h as e, Sy s te ma ti c I nv es t men t. #
Plan t he u ni ts are r edeem t c hed
ed /
o n D o c um en t wi l l no t be appl i c abl e f or F ur th er, as N pero ti fi c at i on No . 28 8 d ated D ec em ber 1, 20 04 , ev er y p ers on wh o
d at e of
m akes pa ym en t o f an am o un t of Rs . 50 ,00 0 or mo re t o a M ut ual F u nd f or
al l
R s . 5,0 00 /-. i n v es to r c an ent S c erhem e p ro v i de
w i th mi n i m um am ou nt of Rs . 50 0/ -. - 2% i f th e un ri edee med /
f re sh /ad di t i on al pu rc h as e, s win tvcesh,tm e nt
ou t b etw een th e fi r s t an d s eco nd year
i n v es to rs t he f ol l o wi n g tw o D i v i den d R ei nv es t men t/
of th e da te o f a l l ot m ent ;
# H o wev e r, th e req ui r em ent of I n v es tm en t
Pla n ( SIP) u p to Rs . 5 0, 00 0/ - p er year pe r in ves to r ( Micro SIP ).
ou t be twe en t he s ect hi o nd r d y ear
e ac h m on th . A n o f R s. 5 0,0 00 or m or e qu al i fi es as pu rc ha se o f
i s el i tgio bi ls su e on l e , an i nv es to r u nit s fo r a fo r es aid Not if icat ion , PA N is r eq u ire d t o p ro ces s s u ch r ein ves t me nt /
L i f u ni ts are
i s s ue f or Ju ne tr ans fe ri n g wh i ch di v i den d rei nv es be tm en t/ tr ans y ferc on v ert ed
af te r t he t hir d year f ro m t he da te of
SI t he al l
f or each qu ar ter. e l i gi b l e to i ss u e on l y on e ch equ e f or eachS che qu art
meer. s ot he r t h an t h os e t he a bove
T her e s h ou ld b e a g ap of th re e m on th s be tw een tw o cheq u es . Fo r exa mp le, an o nal l y , ev e nt o f any ap pl i c ati sonu bsfoequ rm ent l f or
m ent i one d abo v e
i n v es to r c an no t i s su e on e c he qu e fo r A pr i l 1s t an d t he o th er f or May 1s t u nd er t he c a nt ’ w i th th e det ai lws ebonsi t e of th e I nc o me
al l ot m ent of un i ts wi l l be l ev i ed .
b eg i nni n g o f th e qu art er c o ul d b e of any m on th th e i nve st m en t tr an s acti o n w i l l be
A p ri l , A ug us t , Oc to ber, e d. s av i ngs sc hem e wi th a l oc k-i n app licab le NAV, e xit lo ad , if
A s ep ar ate SI P En ro l m ent For m m us t b e f i Please contact the nearest Investor Service Centre (ISC) of HDFC Mutual
Th e det ai n i mu m nu mb er of for
Fund current Load ww w.h df cfu nd .co m
d ur at i on , en tr y l oa d, exi t l o ad , et c. u nd er M SI P an d Q SI P a re g i ven be l ow :
SI SIP
i) Minimum Amount
c heq ue s u nd er MSI P an d QS I P s ho ul d In
per Schemes other than HDFC HDFC i f an i n v est or i s MS en ro
I Pl lfoi r th e pe ri od Ju l y - D ec em ber un der 20 09 n es/ c i rc ul ar s i ss ue d by A SEBIn ti Mo reg ard neyi L aun deri n g
TaxSaver* to tal am ou nt of b e re qu it o i s su e s i x (AM L Law s) , all in te rm ed iar ies , in clud in g Mu tu al Fu n ds , h ave t o fo rm u late an d
Advantage Fund* s am e d at e ( exce pt f or fi rs t SIP che qu e w h ich cou ld be of an y d at e) an d s a m e
Advantage am ou nt . I t m ay , ho w ev er, b e no te d t hat th e fi r s t SI P c h eq ue i d ent
c o iultyd an bed a dd res s (es ) o f i nv e st or s .
bu t al l c h equ es s ho ul d b e dat ed ei th er 1 st , o5th r 25, 10th th,
. In t o m ake th e dat a c ap tu re an d d oc u m ent su bm i s si o n ea sy an d c o nv e ni en t
( of a nd th e su bs eq uen t c h eq ue s ho ul d no tf fa or l li n v es to rs , Mut ua l e c ti v el y en tr us ted th e re sp on s i
QSIP Rs. 1,500/- sa m e m on th fo r th e MS I P an d s ho ul d no t f al l i n t he sa me qu art er fo r t he Q SI P. an
and
thereafter. 8. U ni t s w i f al l s N o n- a gen cy [p res en tl y CDS L Ve nt ur es
n ex t B us i nes s D ay a gen c y (‘C en tr al A gen c y ’). A s a to ken o f h av i ng v eri f i
ii) Total Minimum t he pu rp os e of de ter mi n i ng th e ap pl i c ab i l i tyid of en titNyAan V d a dd re s s o f th e in ves to r (s ) an d f o r ef f icien t r et riev al of r eco rd s , th e
Number Schemes to the real i z at i on of c heq ue s. F u rt her, ia c c ept ed Cen t ral Ag en cy wi l l i s s ue
che qu es dr aw n o n a l o cat i on wh er e I SCs o f HDFC Mu tu al Fu Mund tu aldo Fu es nd no tI den ti f i c ati o n N um b er – MI e acN h* i n v est or wh o
Term Advantage Fund* Advantage pr ese nc e b ut H D F C Ba nk h as a p res en c e, un i ts wi l l be al l o tte d on thi ce adat ti oen on an dwhi t hec hp res c r i A g en c y.
Fund* p ti o n p ro c eed s a re r eal i z ed . s ho ul d no te th at i t i s mapp andl iatoca ry ti onsfor fo r su bs c rio pti f o n of
9. The c h equ es b e dr awn i n fav o ur f i c a ppl i c ab l e q uot e the K YC C om pl i anc e Statu(gsuard of i an
Rs. 1,000/ - in value: (e. g. in cas e o f H D F C MF M ont hly In co me Plan - i n c as e a ppl i c ati on o n and
viz. e dgem ent t he ers twh i l
12respect of each SIP
• In O nl y ”. U n i t h ol d ers m us t w ri t e th e SI P En ro l me (M nt I N ) A l l ot me nt L et ter ) / Pri n to ut d ow nl o aded fr om C VL
or w ebs i te (ww w.c v l i ndi a.c o m) A p pl i c ant s i nt end i
greater than Rs. 1,000/
s s i tu at ed a t an d i s t hro ug h a Powe r of A tt orn ey (PoA ) mu st ens P oA ure andt hat t thehe i ss uer
- a m em b er o f t he Ba nk er s ’ Cle ar ing Ho us e loc ate d at th e p lace ho whl erdere t hPo e SIAP o n th ei r KY C Co mp l i anc e Stat us
app l i c ati o n i s su bm i tt ed. Out st ati o n c h equ es wi l l no t b e ac c ept ed i an c e at th e ti me t he t hre sh ol d.
Installment less ac c om p ani e d b y a bl e t o b e re j ec ted . N o
Rs.
than3,000/ - in value: b e acce pt ed . l iable fo r
4 Pay m en t m ay al s o b e ac c ep ted uby ni t diho
r ec l der
t s ’ ban k ac c o un ts . F or o ns
Installment equal to s pu rp os e, u ni t h ol d ers are c o m pl i an c e ma y be r ej ec te d.
greater than Rs. (wi t h w ho m HDFC Mut ua l i t i s n ot
or
b an k ac c ou nt s s u bs c ri p ti on pr oc ee ds of s h al l ver i fy t he KY C
3,000/- co mp l i an ce s tat u s o f t he i n ves to r w i th i n a
to a rra ng eme nt f ord ebi t
fac i l i t y an d A BN A m ro u nit s . In th e eve nt of n on com p lian ce o f K Y C re qu ir em en ts , t he Tru s tee / AMC
r es er ve s t h e r ig ht t o f r eeze t he fo lio o f t he in ves t or (s ) an d a ff ec t m a nd at o ry
h ol d er s m ay al s o en ro l l r ed em pt io n o f un it h o ldin g s o f th e in ves t or s at th e a pp licab le N AV , s ub jec t t o
i i i ) Th ere i s no SI p aym en t o f exit load , if an y.
of
Gr ow th F un d, Bui al s o en ro l l fo r SI P Di r ec t De bi t Ax F ai cs i Ba
l nk L t d. , V al i d le
& Sa tel l i t e Fu nd , HDFC Pr em i er Mul t i -Ca p Fu nd , HDFC B alM anaced
hi ndFuran Bd ank
an d L td ., I nd us
U nI nd
i on o f I nd i a, Ban k of Bar oda ,
HDFC P ru de nce Fun d . In cas e o f a ll ot he r S che me s elig ible foI nr diS IP
a anfa dcility,
Pu nj ab / 18. Th e Tru st ee res err vi gh
es t to c han ge/ mot erm
di fsy and c on di tiSo Ins
P. of
ARN - 11770 PDF - 10000
TERMS & CONDITIONS
A) SIP Payment through Electronic Clearing Service (Debit Clearing) of the Reserve Bank of India (RBI)
List of Cities for SIP Auto Debit Facility via ECS (Debit
Clearing)
Agra, Ahmedabad, Allahabad, Amritsar, Asansol, Aurangabad, Bangalore, Belgaum, Bhilwara, Bhopal, Bhubaneshwar, Burdhwan, Calicut, Chandigarh, Chennai,
Coimbatore,
Dehradun, Dhanbad, Durgapur, Erode, Gadag, Gorakhpur, Guntur, Guwahati, Gwalior, Hubli, Hyderabad, Indore, Jabalpur, Jaipur, Jalandhar, Jammu, Jamnagar,
Jamshedpur,
Jodhpur, Kakinada, Kanpur, Kochi, Kolhapur, Kolkata, Lucknow, Ludhiana, Madurai, Mangalgiri, Mangalore, Mumbai, Mysore, Nagpur, Nashik, Nellore, New Delhi, Panjim,
Patna,
Pune, Raipur, Rajkot, Ranchi, Salem, Shimla, Sholapur, Siliguri, Surat, Tenali, Tirupur, Tirupati, Trichur, Trichy, Trivandrum, Udaipur, Udupi, Vadodara, Varanasi, Vijayawada,
Vizag
1. This facility is offered only to the investors having bank accounts in select cities mentioned
above.
2. The bank account provided for ECS (Debit) should participate in local MICR
clearing.
3. SIP auto debit facility is available only on specific dates of the month as
under :
Cities SIP Dates
Pondicherry 5th / 10th / 15th / 25th
4. The investor agrees to abide by the terms and conditions of ECS facility of
RBI.
B) SIP payment through Direct Debit Facility
List of banks / branches for SIP Direct Debit Facility
*
Banks Branches
Axis Bank Limited, IDBI Bank Limited, Kotak Mahindra Bank Limited, IndusInd Bank Limited and Union Bank of India All
Branches
Bank of India, Bank of Baroda and Punjab National Select Branches
Bank
* Please contact HDFC Mutual Fund Investor Service Centre for updated list of banks / branches eligible for Direct Debit
Facility.
1. This facility is offered only to the investors having bank accounts in select banks / branches eligible for this
facility.
2. This facility is available on all SIP dates of a month /
quarter.
C) SIP payment through Standing Instr uction

Currently, the Banks with which AMC has arrangement for SIP registration via Standing Instructions
are:
• HDFC Bank • ICICI Bank • ING Vysya Bank • Axis Bank • ABN Amro
Bank
1) This facility is offered only to the investors having bank accounts in the above mentioned
Banks.
2) This facility is available on all SIP dates of a month /
quarter.
Please contact HDFC Mutual Fund Investor Service Centre for updated list of banks eligible for Standing
Instruction.
D) Common Terms & Condit ions for above mentioned Facilities
Please read this form in conjunction with the SIP terms and conditions mentioned on the reverse of the SIP Enrolment Form before
applying.
1. The first cheque should be drawn on the same bank account which is to be registered for ECS (Debit Clearing) / Direct Debit / Standing
Instruction.
Alternatively, the cheque may be drawn on any bank, but provide a photocopy of the cheque of the bank / branch for which ECS (Debit
Clearing)
Direct / / Standing Instruction is to be registered. However, investors need not submit the First Cheque for SIP enrollment provided the SIP
Debit
Auto
Debit Application Form is attested by the Bank from which SIP installment will be debited or copy of the cancelled cheque or photocopy of the
cheque
of bank account from which the SIP installment will be debited is attached to the
form.
2. Unit holder need to submit only SIP Auto Debit Application Form in cases where the installment amount is less than Rs. 50,000 and mode of
holding is than Joint”.
“other
3. First SIP Cheque and subsequent SIP Installments via ECS (Debit Clearing) / Direct Debit / Standing Instruction should be of the same
amount.
4. Please submit the following documents atleast 30 days before the first SIP date^ for ECS (Debit Clearing) / Direct Debit / Standing
Instruction :
New Investors Existing
Investors
Application Form for the respective Scheme(s)** SIP Enrolment
Form
SIP Auto Debit Application Form SIP Auto Debit Application
Form
First SIP First SIP
Cheque Cheque
^ In case the auto debit start date as mentioned in the form does not satisfy this condition the first SIP date shall be rolled over to begin from
the immediately following month /quarter / year, as applicable (provided the roll over SIP date does exceed the maximum time gap of 60 days between
the
first cheque for SIP investment and first installment of SIP through ECS (Debit Clearing) or Direct Debit) / Standing Instruction and also the end date
shall
accordingly get extended.
** included in the Key Information
Memorandum
5. The cities / banks / branches in the list may be modified/updated/changed/removed at any time in future entirely at the discretion of HDFC Mutual
Fund/ HDFC Asset Management Company Limited without assigning any reasons or prior notice. If any city / bank / branch is removed, SIP
instructions
investors in for
such city / bank / branch via (ECS) (Debit Clearing) / Direct Debit / Standing Instruction route will be discontinued without prior
notice. will not hold HDFC Mutual Fund / HDFC Asset Management Company Limited, its registrars and other service providers responsible
6. Investors
if thetransaction is delayed or not effected or the investor bank account is debited in advance or after the specific SIP date due to local holidays or any
other
reason.
7. HDFC Mutual Fund / HDFC Asset Management Company Limited, its registrars and other service providers shall not be responsible and liable for
any damages/compensation for any loss, damage etc. incurred by the investor. The investor assumes the entire risk of using this facility and takes
full
responsibility
.
8. HDFC Mutual Fund / HDFC Asset Management Company Limited reserves the right to reject any application without assigning any reason
thereof.
9. Please refer the Key Information Memorandum / Scheme Information Document(s) of respective Scheme(s) and Statement of Additional
Information
for Applicable NAV, Risk Factors, Load and other
information.
10. The SIP enrollment will be discontinued in cases where three consecutive SIP installments are not honored or the Bank Account [for ECS (Debit
clearing)/
Direct Debit / Standing Instruction] is closed and request for change in bank account [for ECS (Debit clearing) / Direct Debit / Standing Instruction] is
not
submitted at least 30 days before the next SIP Auto
Debit.
11. You can choose to change your bank account or discontinue this facility by giving thirty days written notice to any of our Investor Service
Centres.
ARN - 11770 PDF - 10000
TERMS & CONDITIONS
1 . S T P i s a f ac ilit y wh er e in u n it h o ld e r (s) o f d esi g na t e d o pe n - en2d0te dh o r 25 t h o f t h e fir s t mo n th o f ea ch q u ar te r. Th e be g in sa ni vin
ng g sc h eme w it h a lo ck -i n p er io d o f 3 ye ar s) . T h e d e t ail s o f
s c he me( s ) o f HDF C M ut u al F un d ca n op t t o tr an s f er a fix ed am oouf nt he t qu a rt er co ul d b e o f a n y mon t h e .g . Ap r il, Au g u st , LOoctadobSet r,r uc t u re a r e a s f o ll o ws :
o r c ap it a l a p p r ec ia ti on am ou n t a t r eg u la r in t e r va ls t o d e sig nNo at ve
e dmbe r , e t c. In ca se t her e is no mi nim um am ount (a s T he a moun t t r ans f er r e d unde r the ST P f r om t he Tr a nsf e r or
o p en - en d ed s ch eme (s ) of HD FC M ut u al F un d . C ur r en tl y, th e s ch speeme ci fis e d a bove ) av a ila ble i n t he unit holde r ’s a cc ount , t he S c hem e t o t he Tr a nsf e r e e S ch em e sha l l be e f f ec t e d by
e li gi b le f o r th i s f ac ili t y a r e as f o l lo ws: r esi du a l a mo u n t w ill b e tr a n sf er r ed t o t h e Tr an sf e re e S ch em e
r ed e emi ng u n it s o f Tr a ns f e ro r Sc he me at ap p lic ab le NAV, w ith ou t
H DFC Gr o w th Fu n d , H DFC Eq u ity Fu n d, HD FC To p 2 00 Fu n d , H a ndDFCac co u n t clo se d . p aym ent o f an y E xit Lo ad, if a ny, a n d s u b s crib in g to t h e u n its o f th e
C ap it al B u ild er Fu n d , H DFC I nd e x Fu n d, HD FC B al an ce d F unUn d , itH DFC
h o ld e r s sh o u ld b e aw a r e t h a t if t h ey d ec id e to t a ke u p t h is
T r ans fe r e e S che me a t a ppl ic abl e NA V, w i th o ut p ay me n t o f a n
P r ud e n ce Fu n d , H DFC Lo n g Ter m A d va nt a ge Fu n d ( an o p enf ac - eilndit ey,d th e r e is p o ssib il it y o f e ro si o n o f c ap i ta l e. g . If t h e u n it
E ntr y Loa d #.
e q u it y lin k e d sa vin g s sch e me wi th a lo ck - in p e r io d o f 3 ye hold
a rser- de cid es t o w it hdr a w R s. 3, 000 e v er y qua r t e r a nd t he
I n ca se th e d a te f a lls o n a N o n -B u sin e ss D ay o r f al ls d u r in g a
f o r me r ly H DF C Tax P la n 2 0 0 0 ) , HD FC Ta xS a ve r ( a n o p ena p- ep nredceiad t io n i s R s. 2 , 5 0 0 , t h en su ch r ed e mp t i o n p r o ce e d s wi ll
bo ok cl osur e pe r iod, t he i mme di at e ne x t Busi nes s D a y w ill
e q u it y li n ke d sa vi n g s sc h em e wit h a l o ck -i n p e r io d o f 3 ye co amp rs ),
r ise o f R s. 2 ,5 0 0 f r om t h e c ap it a l a p p re ci at io n a n d R s. 50 0
H DFC MF Mo n t h ly In c om e P la n (a n op e n - en d e d in co me schf ro emme. t h e u n i t h ol d er ’s c ap i ta l am ou n t . b e co n sid e r ed f o r t h e p u r p o se of d e t er mi ni n g th e a p pl ica b ilit y
M o n t h ly in c o me is n o t a ssu r e d a n d is su b je ct t o a va ila b i *litan y o pe f n -e n d ed eq u it y lin k ed s a vin g s s ch eme w it h a lo ck -i n p oe fri N od
AV.
d ist r ib u t ab le su r p lu s), H DFC Co r e & S at e llit e Fu n d , HDF C oMf u3lt ye ip lear s. E xit Lo ad : HDF C Lo n g Ter m A d van t ag e Fu n d an d HDF C Ta xSa ve r
Yi eld Fu n d , H DFC Mu lt ip le Yiel d F u nd - P lan 2 0 0 5, HD FC A rb it r ag e
8 . Un de r t he C AS TP - M o nth ly In te rva l, u ni t ho ld er s w ill be e lig ibl e( tTro at nrasfe n sfr ee
er S ch e me s) : Ni l
F u nd , H DFC P re mi er M u lt i- Ca p Fu n d , HD FC In co me F un d , HD FC
th e e nt ir e ca p ita l a p p re cia t io n am ou n t ( min imu m R s. 3 0 0) b y H w DFa y C G r o wt h Fu n d , HD FC Eq u it y Fu n d , HD FC To p 2 0 0 Fu n d ,
H ig h In t er es t Fu n d , HD FC S h or t Ter m Pl an , H DFC Cas h M an ag e men t
o f ca p it al a p pr ec iat io n o n t h e 1 s t , 5 t h , 1 0 th , 15 t h, 2 0 th o r 25 H t hDFC of Pr u de n ce F un d , H DFC Co re & S at e llit e Fu n d , H DFC C ap it al
F u n d , H D FC Gi lt F u n d , H DF C Flo a t in g R a t e In co m e Fu n d , HD FC
ea ch mo nt h . U nd e r t h e C A STP - Qu art er ly In ter val, un it h o lde r sB wi u ild ll be er F un d , HDFC Pr e mier M ul ti- Ca p Fu n d an d HDF C B al an ce d
L iq u id Fu n d .
e ligi ble t o t r a nsf e r t he e nt ir e c a pit a l a ppr ec ia t i on a mount F und (T r a nsf e r ee Sc he me s) : I n r e spe c t of e ac h i nve st m e nt
T h e ab o v e lis t is su b je ct t o ch a n g e fr o m t ime t o t ime . (min P le imu
a se mcoR ns t. ac t
1 , 00 0 ) b y w a y o f c ap ita l a pp r eci at ion o n t he 1 st , t 5t
h rhou , g h ST P l es s t ha n R s . 5 cr o re in va lu e, an Ex it Lo ad o f 1.25%
t he ne a r es t Inv e st or S er v ic e Cent r e ( IS C) of H DF C M ut ual Fund 1 0t h f, or1 5 th , 2 0 th o r 2 5 t h o f th e f ir st mo n th o f e ac h q ua r t er.i T s ph ae ya b le if u n it s a r e r ed e em ed / s wit ch e d o u t o n o r b ef o r e
u p d a t ed li st. b eg in ni ng o f th e q ua rt e r c ou ld b e o f an y mon t h e. g. Ap r il, A u gu 2 y ea, r s f ro m t h e d at e of a llo t me n t o f u n it s; I n re sp ec t of e ac h
s t
2 . T h e ST P E n ro l me n t Fo r m s ho u l d b e co mp l et e d in E n g lis h O anctd oi bn er , No ve mb e r, e t c. P le as e n o t e t h a t n o t r an sf e r s wi ll t a k e
i nv est me n t th r o u gh S TP e q ua l t o o r g re at e r th a n R s. 5 cr o r e i n
B lo ck Le tt er s o n ly. P lea s e t ick ( ) in th e ap p ro p r iat e bo x ( ) , w h e erei f th e r e i s n o min imu m ca pi ta l a p p re ci at io n a mo u nt ( ex ce pt
p lac
v al u e, n o Ex it Lo a d is p a ya b le .
b o x es h a ve b e en pr o v id ed . T h e S T P En r o lme n t Fo r m c o mpf or le tlea inst t r ans f er l ea di ng to c los ur e of a cc ount ) . T he c a pit a l
a ll r es p ec ts , sh o u ld b e su b mi t te d a t a n y o f th e I n ve st o r Se b . L o ad S t r u ct u re f o r in v est m en t s t h r o u g h ST P t o t h e T ra n sf e re e
aprpvir ceeci at io n , i f a n y, w il l b e c alc u lat e d fr o m t h e e n ro lm en t d at e of
C en t r es (IS Cs ) o f H DFC Mu t u a l Fu n d . S ch e me s o t h e r th a n a b o ve : -
th e C AS TP u n de r t h e f o lio , t ill th e f ir st tr a n sfe r d at e . S u b seq u e nt
3 . A sin g l e S T P En r o lme n t Fo r m ca n b e fi lle d f o r o n e Sc h emeca pian
/ Pl t al/ a ppr e c ia t ion, if a ny, w ill be t he ca pi t al appr e c ia t ion T he a moun t t r ans f er r e d unde r the ST P f r om t he Tr a nsf e r or
O p t io n o n ly. b et we e n t h e p r e vi o us CA S TP d a t e ( wh e r e r e d e mp t io n h a s bSe ch en e me t o t he Tr an s f er ee S ch eme w ill b e ef f ect e d b y re d ee min g
4 . I nv est o r s ar e ad vi sed t o r ea d th e S ch eme In f o rm at io n Do c umprenotces (s) s e d a n d p aid ) a n d t h e n ext CA STP d at e e. g . if t h e a pp u nr ecia
it s ot ion
f Tr an s f er o r S ch eme at a pp lica b le N AV, aft er p aym en t of E xit
a nd S t a t e me nt of A ddi t iona l Inf or ma t i on of t he T ra ns f er e e is R s . 3 5 00 in t h e f ir s t q u ar t er an d R s . 3 ,0 0 0 in th e s eco n d quL ortad,
a e r, if a ny, a n d s u b s crib in g to t he u nit s o f t he Tr an s fe re e Sc he me
S c hem e (s) ca r ef ul ly be f or e inv e st ing. T he S c hem e Inf or m at i onth e u n it h o ld er w il l r ec eiv e o n ly t he a p pr e cia t io n i.e . Rs. 3 ,5 0
a 0
t in
a p plic ab le N AV, w ith ou t pay men t of an y Ent ry Loa d #, if a n y, as o n
D oc ume nt ( s) a nd S t a t em e nt of A ddi t iona l I nf or ma t ion /K ey th e f ir st qu a r te r an d R s. 3 ,0 0 0 in t h e se co n d q u ar t er. t h e s p e cif ied d at e of a mo nt h o r a q ua r te r. I n c as e th e da t e f alls
I nf or ma t io n M em or a ndum( s) of t he r e spe ct i ve Sc he me ( s) 9 a.a nd
i) T h e min im um n u mb e r o f in st al lme n t s u n d er D ai ly F ST P is as o n a No n- B u s in es s Da y o r fa lls d u rin g a bo o k c lo su r e p e rio d , th e
S t at em en t o f Ad d it io n al In fo r ma ti on a r e a va ila b le w ith t h e ISC f oll
s oows:
f i mmed ia t e n e xt B us in e s s Da y w ill be co n s id er e d fo r t he p u rp o s e
H DF C M u tu a l F un d , b r ok e rs /d ist r ib u t or s a n d a lso d isp la ye d at t hF eor s ch em es o th e r t h an H DF C Ta xS a ve r* an d H DFC L on o fg d e t e rm in in g t h e a p p lic ab il it y of NAV.
H DFC Mu t u al Fu n d w e b sit e i .e . w ww .h df cf un d.c o m. Te r m A d va n t ag e F u n d * :
A p p lica b le E xit L oa d , if a n y, in th e Tr a ns fe r ee S ch e me / P la n /
5 . U n it h o ld e r s sh o u ld n o t e t h at u n i t h o ld er s’ d e t ai ls a n d mo d e o f• w h er e in st allm en t a mo un t is less th a n R s. 1 , 00 0 / - : 1 2 O p t io n as o n th e d at e o f all o tm en t o f u ni ts w ill b e le vie d .
h o ld in g (s in g le, jo in tl y, an yo n e o r s u rv ivo r ) in t he Tr an s f er ee Sc he me
• wh er e in st a llm en t a mo u n t is eq u a l t o o r g r e at e r t h an
# P u rs u a nt t o SE BI cir cu lar n o . S EB I/IM D/ CIR No .4 / 16 8 2 30 / 09 d at e d
w il l b e as p e r th e e xist in g f ol io n u mb er o f t he Tr a nsf e ro r S ch em e. R s . 1, 0 00 /- : 6
U n it s w ill b e all o tt e d u n de r t h e s ame f o lio n u mb e r. J u n e 3 0 , 2 0 0 9 , n o en t r y l o ad w i ll b e ch a r g ed w i th re sp e ct t o
F or H D FC Ta x S av e r * a nd HD FC Long Te r m Adv a nt a ge
a p p li ca t io n s f o r r e g ist r at i o n s u n d e r Sy st em at i c T ra n sf e r P la ns
6 . S T P o f f er s u n it h o ld e r s t h e f o llo w i ng tw o P la n s: Fu n d * : 6
a cc ep t ed b y t h e M u tu a l Fu n d w it h ef f ect f r om Au g u s t 1 , 2 00 9 .
i . F ix e d Sy st e ma ti c T ra n sf e r Pl an ( FS T P) * a n op e n- e nd e d e q ui ty lin ke d s a vin g s s ch eme w it h a lo ck - in
T h e u p f ro n t co m missi o n o n in ve st me n t ma d e by t h e in ve st o r,
i i. C a p it a l A p p re ci at io n S y st em at ic Tr a n sf er P la n (C A ST P ) p er io d o f 3 y ear s .
i f any, sha ll be pa id t o t he A RN Hol der ( AM F I r e gist e r e d
F S T P of f e r s t r a nsf e r f ac il it y a t dai ly, we ek l y, mont hl y(iai)nd Th e re sh o u ld b e a min im um o f 6 in st al lme n ts fo r e n r ol me nt D is tr i but or ) di r ec t ly by t he inve st or , bas ed on t he inv es t or’ s
q u a rt e rl y in t er va ls a n d CAS T P o f f er s t ra n sf er f ac ilit y a t mo nunth dlyer We ek ly FS TP, Mo n t hly F ST P an d CAS TP an d 2 in s t allme n ts
a sse ssmen t o f va r io u s fa ct o r s in clu d in g se r vice r en d e re d b y t h e
a n d qu a rt e rl y in t er va ls . U ni t h o ld er is f r ee t o op t f or a n y o f fothre Qu a r t er l y F ST P a n d CA S TP.
A R N H o ld er .
P la n s a n d al so ch o o se th e f r eq u e n cy o f su c h tr a n sf er s. (i ii) Also , t he min imu m u nit hs oalde ccor u’ nt b ala nc e o r a min imu m
1 1. S T P wi ll be a u t o ma ti ca lly t er mi n at e d if a ll u n i ts ar e li q ui d at e d o r
7 . a . U nd e r th e FST P - Da ily In te rva l, u n it h ol de rs w ill be e lig ibl e toamo t r anu ns fe
t orf ap p lica t io n a t th e ti me o f ST P e n ro lme n t sh o u ld b e
w it h d r aw n f ro m th e Tr an sf er o r Sc he me o r pl ed g ed o r u p o n re ce ip t
a f ixe d a mo u nt ( min im um R s. 5 0 0 a nd i n mu lt ip le s o f Rs. 1 0 0Rs . 12 , 00 0 .
o f in t ima t io n o f d ea th o f t h e un i t ho ld e r.
t h e re af t er f o r sch e mes ot h e r t h a n HDF C L on g Te r m Ad v (ianv)t ag In ec a se of F ST P D a il y / We e k ly Inte rv a l a nd M onth ly /
F und* an d H DF C Ta xS a v er * a nd m inim um Rs. 500 a nd i n 1 2. T h e p ro vis io n o f ‘M in imu m Re dem pt ion A m ou nt’ as s p eci fie d in t h e o f fe r
Qu ar t e r ly I nt e rv a l, U nit hol de r s a r e r e qui r ed t o f i ll in t he
m u lt ip le s o f Rs . 5 0 0 t h er e af t er f o r HD FC Tax Sa ve r* an d HDnumb FC er of ins ta ll me nts a nd the e nrolm e nt pe riod d o cu m en t (s ) o f t h e re sp e ct ive d e sig n at e d Tr a nsf e r o r Sch e me s a n d
L o n g Te r m A d va n ta g e Fu n d * ) o n e ve r y B u sin e ss Da y. I n caresesp e ct iv ely in th e E n r ol lme n t Fo r m, f a ilin g w hi ch t h e‘MFoinr imu m m A pp lic at ion A m ou nt ’ s p ecif ie d i n t h e o f fe r do cu me n t( s ) o f th e
t h e r e i s n o min im u m a mo u n t (a s sp e cif ie d a bo v e) a va ila bl e in is l ia ble t o be r ej e ct e d. r e sp e ct iv e d esi g n at e d Tr a n sf er e e S ch e me s wil l n o t b e a p p li ca b le
t h e u n it ho ld e r’s a cco un t , t h e r es id u al a mo u nt w ill b e tr anbs. fTh
er ere ad pp li ca ti on fo r e n ro ll men t f o r FS TP - Da ily In t er va fl os ho
r SuTldP.
t o t h e Tr a n sfe r ee S ch e me a nd ac co u n t will b e c lo se d . be subm it t e d a t l ea st 10 D a ys bef or e t he com me nce m ent 1 3. A n Acc ou n t St a te me nt w ill b e is s u e d by ma il o r b y e- ma il ( if o pt e d
b . U n d er t h e FSTP - W eekl y In te rva l, u n it h o ld e rs w ill b e e lig ibd le at et of o r FS T P - Da il y I nt e r va l. b y t h e u n it h o ld er ) t o th e un it h old e r w it h in 1 0 w or k ing d ay s fo r th e
t r a n sfe r a f ixe d a mo u n t (mi n imu m R s. 1 , 00 0 a n d in m u lt ip le s
c . FS TP - W e ek ly w ill b e r e g ist er e d e ff e ct ive f r o m f ir st F rif ir
dasty (if
in ve st me n t t h ro u g h S T P. T h e su b se q u en t a cc o u n t st at e me n t
o f R s. 1 00 t h e re af t er f o r sch em es o t h er t h an H DF C Lo n g Te rm wi ll
Fr ida y is n o t a B us in e ss a y, t he n imme dia te ly s u cce ed in g Bu s inbe
es ds es pat c he d once e ve r y quar t e r e nding M a r ch , J une ,
A d va n ta g e Fu n d * an d H DF C Ta xS a ve r* a n d mi ni mu m R s. 5 0 0
Da y) a ft e r 1 0 d a ys f r o m t h e d a te o f r e ce ip t o f t h e va lid S T Pmb e r a n d De ce mb e r wit h in 1 0 wo r k in g d a ys o f t h e e n d o f
S e p te
a n d in mu lt ip le s o f R s. 5 0 0 t he r ea f te r fo r H DFC Tax Sa ve r* a n d r e spe c t r ive qua r t er . I n c a se of spe c if ic r eque st r e ce iv e d f r om
E nr olme nt For m .
H DF C L o n g Ter m Ad v an t ag e F un d * ) o n e ve ry Fr id a y (if F r id ay
d. The r e wi ll be no m ax imum dur a t ion f or ST P e nr olm ent for i nv es to r s, Mu t u a l Fu n d w i ll p r o vid e t h e ac co u n t st at e men t t o t h e
i s a No n -B u sin e ss Da y, t h e n th e imm ed ia t e n e xt B u sin ess D ay ).
HD FC Eq u it y Fu n d , H DF C G r ow t h F u nd , HD FC To p 2 0 i0nvFuesntod r, s w i th i n 5 w o rk in g d a ys f r o m t h e r ec ei pt of su c h r eq u e st
I n c a se t he r e is no mi nimu m a m ount ( a s s pec if i ed a bove )
HD FC C ap it al B ui ld er Fu n d , H DFC Co r e & S at el lit e F un dw, iHD th oFC
u t a n y ch a r g es. Fu r t h er , so f t co p y o f th e a cco u n t st a te me n t
a va ila b le in t h e u n it h o ld er ’s a cco u n t , t h e re sid u al am ou n t w ill
P re m ie r M ul t i- C ap F und, H DF C Ba la nc e d F und and H DF sh C a ll be ma il ed t o t h e in ve sto r s u n d e r S T P t o t h e ir e- ma il ad d r ess
b e t r a ns fe r r ed t o t h e Tr a n sfe r ee S ch e me a n d ac co u n t wil l b e
o n ota hmo
Pr u d en ce Fu n d (“ t h e Tr a ns f e re e S ch e mes ” ) . In c as e o f all er n t h ly b a sis, if so ma n da t ed .
c los ed.
e ligi ble Tr a nsf e r e e S ch em e s, i f t he S TP e nr olm ent 1pe4.rU iodn it h o ld e rs will h av e th e r ig h t t o d isc o n ti n u e t h e S TP f a cili t y a t
c . U n d er t h e FS TP - M on th ly In te rv al, u n it h o ld er s w il l b e e lig ib le t o
s p ecif ie d by t he Un it h o ld er is mo r e t h an 5 ye ar s , th e n tha en yST t im
P e b y se nd i n g a w r it t e n r eq u es t to t h e IS C. No t ic e o f su c h
t r a n sfe r a f ixe d a mo u n t (mi ni mu m R s. 1 , 00 0 a n d in m u lt ip le s
en r o l me n t wil l b e d e e me d t o b e f o r 5 y ea r s a n d p r o c ess d iscedo nt in u a nc e sh o u ld b e r ece ive d a t l ea st 7 d ays pr io r t o t h e d u e
o f R s. 1 0 0 t he r ea f te r f o r sch e mes o th e r t ha n H DFC Ta xS ave r *
a cc or dingl y. d a te o f th e n ex t t r an sf e r d a te . On r ec eip t o f su ch r eq u est , th e ST P
a n d HD FC Lo n g Ter m A d va nt a g e F un d * a n d min imu m Rs. 5 0 0
f a c ili t y w ill be t er m ina t e d. In c as e o f F S T P - D a il y I nt er v a l,
a n d in mu lt ip le s o f R s. 5 0 0 t he r ea f te r fo r H DFC Tax Sa veer*. Ca a np dit al Ap p r e cia t io n Sy st em at ic Tr a ns fe r P lan (C AS TP ) will b e
H DFC Lo n g Te rm Ad va nt ag e Fu n d* ) on t h e 1 s t , 5 th , 1 0t h , 1re s t ,ri ct ed t o s in g le e n ro lm en t p er ‘t r an s f e ro r s ch e me’ pt eerr min
5 th a t .io n o f S TP wi ll b e e f f ec t ive f r o m 7 t h B u si n ess Da y f ro m
f o lio
2 0 t h o r 25 t h o f ea ch mo n t h. t h e d at e o f r e ce ip t o f wr it t en r e q u est .
1 0 . a . Lo a d st r u ct u r e f o r i nv es tm en t s t h r o u g h S TP t o t h e f o llo win g
d . U n de r th e FSTP - Qu ar te rly I nt er val, u n it h o ld er s w ill b e eli giTra blen tsofe re e Sch e mes v iz. HDFC G ro w th F un d , H DFC Eq 15.u U
it ynitFus nofd ,H DF C L ong Te r m Adv a nt age F und a nd H DF C Ta xS a ve r
t r a n sfe r a f ixe d a mo u n t (mi ni mu m R s. 3 , 00 0 a n d in m u lt ipHDF le s C Top 2 0 0 Fun d , H DFC C ap it al B u ild er Fu nd , HDFC Prcuandennc o teb e as s i gn e d / t r an s f er r ed / p led g ed / r ed e eme d / s w it ch e d -
o f R s. 1 0 0 t he r ea f te r f o r sch e mes o th e r t ha n H DFC Ta xSa ve Fu rn*d, HD FC B a lan ce d Fu n d , HD FC Co re & Sa te llit e Fu nd o, uHD t uFC n ti l co m pl et io n o f 3 ye ar s f r o m t h e da t e o f a llo t me n t of t h e
a n d HD FC Lo n g Ter m A d va nt a g e F un d * a n d min imu m Rs. 5Pr 0 0em ier M u lt i-C ap F un d , HDF C L on g Te rm Ad va n ta g e F u nd ( an r e spe ct i ve uni t s.
a n d in mu lt ip le s o f R s. 5 0 0 t he r ea f te r fo r H DFC Tax Sa ve r* oa pe
n dn - en d ed eq u it y li n ke d sav in g sch em e w i th a lo c k-1 in
6. T
p eh rie od
Tr u st e e r e ser v e s t h e r ig h t t o ch a n g e /m o d if y t h e te r ms a n d
H DFC Lo n g Te rm Ad va nt ag e Fu n d* ) on t h e 1 s t , 5 th , 1 0t h , 1o5fth3, ye a r s) a n d H DF C Ta xS a ve r (a n o p e n en d e d e q u it yc lin o nd i ti on s o f th e S TP.
k ed

HDFC Eqty2010

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HDFC Eqty2010

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Name & Type of Scheme HDFC Growth Fund (HGF) (An Open-ended Growth Scheme)

Key Information Memorandum 1

2 HDFC Mutual Fund

Key Information Memorandum 3

4 HDFC Mutual Fund

Unit holder’s Information Please refer to page 17 for details.

Key Information Memorandum 5

6 HDFC Mutual Fund

Last 1 year (365 days) 7.25* 7.88*

Since Inception (647 days)*** 7.52** 7.54**

HDFC Arbitrage Fund - Retail Plan - Growth Option

Since Inception (647 days)*** 7.24** 7.54**

^ Past performance may or may not be sustained in

Key Information Memorandum 7

8 HDFC Mutual Fund

Key Information Memorandum 9

10 HDFC Mutual Fund

Key Information Memorandum 11

12 HDFC Mutual Fund

Key Information Memorandum 13

Last 1 year (365 days) 5.64* 8.30*

14 HDFC Mutual Fund

Asset Allocation Types of Instruments Normal Allocation

Monthly Dividend Option

Purchase Additional Purchase Repurchase

Dividend Policy Please refer to page 17 for details.

Long Term Plan : Prashant Jain (Equities); Shobhit Mehrotra (Debt)

Key Information Memorandum 15

For Investor Grievances, Please refer to page 17 for details.

Unit holder’s Information Please refer to page 17 for details.

16 HDFC Mutual Fund

Waiver of Load for Direct Application

Key Information Memorandum 17

18 HDFC Mutual Fund

Key Information Memorandum 19

20 HDFC Mutual Fund

Key Information Memorandum 21

22 HDFC Mutual Fund

C) SIP payment through Standing Instr uction

C) SIP payment through Standing Instr uction

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Since Inception (647 days)* 7.52 7.54**

Since Inception (647 days)* 7.24 7.54**