SCHEME INFORMATION DOCUMENT

SECTION I

This product is suitable for Scheme Riskometer Benchmark Riskometer:

investors who are seeking*:

Tier I Benchmark - 65%

• Regular income and Capital Nifty Composite Debt Index
appreciation + 35% Nifty 50 Arbitrage
• Investment primarily in units of Index
actively managed debt oriented
schemes and actively managed
Arbitrage mutual fund schemes

*Investors should consult their financial advisers if in doubt about whether the product is suitable for
them.
The above product labelling assigned during the New Fund Offer (NFO) is based on internal
assessment of the scheme characteristics or model portfolio and the same may vary post NFO when
the actual investments are made.

Offer for Units of Rs. 10/- each for cash during the New Fund Offer and Continuous offer for Units at NAV
based prices
New Fund Offer Opens on: 23/04/2025
New Fund Offer Closes on: 30/04/2025
Scheme re-opens on: Within 5 business days from the date of allotment

Mutual Fund Trustee Company Asset Management Company

SBI Mutual Fund SBI Mutual Fund Trustee SBI Funds Management Limited
Company Private Limited ('AMC')
('Trustee Company') (A joint venture between SBI and
CIN: AMUNDI)
U65991MH2003PTC138496 CIN: U65990MH1992PLC065289
Corporate Office Registered Office: Registered Office:
9th Floor, Crescenzo, C– 9th Floor, Crescenzo, C– 38 & 39, 9th Floor, Crescenzo, C– 38 & 39,
38 & 39, G Block, Bandra- G Block, Bandra-Kurla, G Block, Bandra-Kurla, Complex,
1
 Kurla, Complex, Bandra Complex, Bandra (East), Bandra (East), Mumbai- 400 051
(East), Mumbai- 400 051 Mumbai- 400 051
www.sbimf.com

The particulars of the Scheme have been prepared in accordance with the Securities and
Exchange Board of India (Mutual Funds) Regulations 1996, (herein after referred to as SEBI (MF)
Regulations) as amended till date and circulars issued thereunder filed with SEBI, along with
a Due Diligence Certificate from the AMC. The units being offered for public subscription have not
been approved or recommended by SEBI nor has SEBI certified the accuracy or adequacy of the
Scheme Information Document.
The Scheme Information Document sets forth concisely the information about the scheme that a
prospective investor ought to know before investing. Before investing, investors should also ascertain
about any further changes to this Scheme Information Document after the date of this Document from the
Mutual Fund / Investor Service Centres / Website / Distributors or Brokers.

The investors are advised to refer to the Statement of Additional Information (SAI) for details
of SBI Mutual Fund, Standard Risk Factors, Special Considerations, Tax and Legal issues and
general information on www.sbimf.com.

SAI is incorporated by reference (is legally a part of the Scheme Information Document). For a
free copy of the current SAI, please contact your nearest Investor Service Centre or log on to
our website.

The Scheme Information Document (Section I and II) should be read in conjunction with the SAI
and not in isolation.

This Scheme Information Document is dated April 17, 2025

2
 Part I. HIGHLIGHTS/SUMMARY OF THE SCHEME

Sr. No. Title Description

I. Name of the scheme SBI Income Plus Arbitrage Active FOF

II. Category of the Scheme Other Schemes – Fund of Funds

III. Scheme type An open-ended fund of funds (FOF) scheme investing in units of
actively managed debt oriented schemes and actively managed
Arbitrage mutual fund schemes
IV. Scheme code SBIM/O/O/FOD/25/03/0190

V. Investment objective The investment objective of the scheme shall be to generate regular
income and capital appreciation by investing in a mix of units of
actively managed debt oriented schemes and actively managed
Arbitrage mutual fund schemes.

However, there is no assurance or guarantee that the investment

objective of the Scheme would be achieved.
VI. Liquidity/listing details The scheme being offered is an open ended scheme and will provide
redemption / switch facility to investor on every business day at
applicable NAV subject to prevailing exit load

VII. Benchmark (Total Return The scheme would be benchmarked against the 65% Nifty Composite
Index) Debt Index + 35% Nifty 50 Arbitrage Index

The composition of the aforesaid benchmark is such that it is most

suited for comparing performance of the scheme.

The Trustees reserves the right to change the benchmark in future if

a benchmark better suited to the investment objective of the scheme
is available.

VIII. NAV disclosure The AMC shall update the NAVs on the website of Association of
Mutual Funds in India - AMFI (www.amfiindia.com) and on website of
the Mutual Fund (www.sbimf.com) by 10.00 a.m. on next business day
basis.

For further details refer Section II.

IX. Applicable timelines Timeline for:
• Dispatch of redemption proceeds: Within 4 working days for
electronic payout and within 6 working days for physical payout
from the receipt of the redemption request at the authorised centre
of the SBI Mutual Fund.

Further, in exceptional situations additional timelines in line with

AMFI letter no. AMFI/35P/MEM -COR/74/2022-23 dated January
16, 2023 will be applicable for transfer of redemption or repurchase
proceeds to the unitholders.

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 • Dispatch of IDCW (if applicable) etc.- Within 7 working days from
the record date.
X. Plans and Options The Scheme has two plans viz. Regular plan & Direct plan.
Plans/Options and sub Both plans provide two options for investment – Growth Option and
options under the Scheme Income Distribution cum Capital Withdrawal (IDCW) Option Facility for
“IDCW Re-investment”, “IDCW Pay-out” and ‘’ IDCW Transfer’’ is
available. Between “Growth” or “IDCW” option, the default will be
treated as “Growth”. In “IDCW” option between “IDCW Payout” or
“IDCW Reinvestment” or “IDCW Transfer”, the default will be treated
as “IDCW Reinvestment”.

For detailed disclosure on default plans and options, kindly refer SAI
and section II of SID.
XI. Load Structure Exit Load :

NIL

XII. Minimum Application During NFO: - Rs. 5,000/- and in multiples of Re.1 thereafter
Amount/switch in
• In case of investors opting to switch into the Scheme from
existing Scheme(s) of SBI Mutual Fund (subject to completion of
lock in period, if any) during the NFO period, the minimum
amount is Rs. 5,000/- per application and in multiples of Re. 1/-
thereafter.

• On continuous basis:

Rs. 5000/- & in multiples of Re.1 thereafter

Note – For investments made by designated employees of SBI

Funds Management Limited in terms of paragraph 6.10 of the SEBI
Master Circular for Mutual Funds dated June 27, 2024, requirement
for minimum application/ redemption amount will not be applicable.
XIII. Minimum Additional Rs. 1,000/- and in multiples of Re. 1 thereafter
Purchase Amount
XIV. Minimum Redemption / Rs. 500/- or 1 Unit or account balance whichever is lower
switch out amount
Note – For investments made by designated employees of SBI
Funds Management Limited in terms of paragraph 6.10 of the SEBI
Master circular for Mutual Funds dated June 27, 2024, requirement
for minimum application/ redemption amount will not be applicable
XV. New Fund Offer Period NFO opens on:23/04/2025.
This is the period during NFO closes on: 30/04/2025___
which a new scheme sells
its units to the investors. The subscription for the Scheme will be open to the public for
minimum 3 working days or as many days as may be decided by the
Managing Director of the AMC. The AMC reserves the right to extend
or pre close the New Fund Offer (NFO) period, subject to the
condition that the NFO Period including the extension, if any, shall
not be for more than 15 days or such period as allowed by SEBI.
Addendum for extension or pre closure of NFO period, as applicable,
will be uploaded on www.sbimf.com.

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 XVI. New Fund Offer Price: Rs. 10/- per unit.
This is the price per unit
that the investors have to
pay to invest during the
NFO.

XVII. Segregated portfolio / The scheme has a provision for segregated portfolio.
side pocketing disclosure For Details, kindly refer SAI

XVIII Swing pricing disclosure The Scheme doesn’t have a provision for swing pricing.

XIX. Stock lending / short The Scheme will not engage in Stock lending and short selling
selling
XX. How to Apply and other Investors are advised to refer SAI & application form for instructions.
details Please note that Applications complete in all respects together with
necessary remittance may be submitted at any OPAT of SBIMF.

The application amount in cheque shall be payable to “SBI Income

Plus Arbitrage Active FOF”. The Cheques should be payable at
the Centre where the application is lodged.

Investors are requested to note that application form is available with

Investor Service Centres (ISCs)/Official Points of Acceptance (OPAs)
of SBI Mutual Fund or can be downloaded from our website
https://www.sbimf.com/forms. The list of the Investor Service Centres
(ISCs)/Official Points of Acceptance (OPAs) is also available on
https://www.sbimf.com/contact-us .

For Details kindly refer section II

XXI. Investor services Details of Investor Relations Officer of the AMC:

Name: Mr. C A Santosh
Address: SBI Funds Management Ltd.,
Investor Relations Officer)
Address: 9th Floor, Crescenzo, C– 38 & 39, G Block, Bandra-Kurla,
Complex, Bandra (East), Mumbai- 400 051

Telephone number: 022 61793537

e-mail: [email protected]
XXII Specific attribute of the NA
scheme (such as lock in,
duration in case of target
maturity scheme/close
ended schemes) (as
applicable)
XXIII Special product/facility The Scheme offers following facilities on NFO basis:
available during the NFO 1. Systematic Investment Plan
and on ongoing basis
For investors, the fund offers a Systematic Investment Plan (SIP) at
all our Official point of acceptance of SBI MF’s locations. Under this
Facility, an investor can invest a fixed amount per frequency. This
facility will help the investor to average out their cost of investment

5
 over a period of six months or one year and thus overcome the short-
term fluctuations in the market.

The Scheme offers daily, weekly, Monthly, Quarterly, Semi-Annual &

Annual Systematic Investment Plan.

2. Mitra SIP
‘MITRA SIP’ is a facility that allows investor to make initial investment
through Systematic Investment Plan (SIP) and after completion of
specific tenure switch the units to another Scheme or continue to
remain in the Same Scheme as per the option selected by the
investor and Systematic Withdrawal through SWP from the target
scheme.
3. Fixed end period SIP
Investors can opt for a SIP for a period of 3 years, 5 years, 10 years,
and 15 years in addition to the existing end date & perpetual SIP
options.

The Scheme offers following facilities on an ongoing basis:

(i) Systematic Investment Plan

For investors, the fund offers a Systematic Investment Plan (SIP) at

all our Official point of acceptance of SBI MF’s locations. Under this
Facility, an investor can invest a fixed amount per frequency. This
facility will help the investor to average out their cost of investment
over a period of six months or one year and thus overcome the short-
term fluctuations in the market.

The Scheme offers daily, weekly, Monthly, Quarterly, Semi-Annual &

Annual Systematic Investment Plan.

(ii) Systematic Withdrawal Plan

Under SWP, a minimum amount of Rs. 500/- can be withdrawn every

month or quarter or weekly or half yearly or on an annual basis by
indicating in the application form or by issuing advance instructions
to the Registrar at any time. The Scheme offers Day based and Date
based SWP.

(iii) Systematic Transfer Plan

Systematic Transfer Plan is a combination of systematic withdrawal

from one scheme and systematic investment into another scheme.
Therefore the minimum amount of withdrawals applicable under SWP
would be applicable to STP also. Similarly the minimum investments
applicable for each scheme under SIP would be applicable to STP.

For further details of special products / facilities, kindly refer SAI and
section II of the SID.

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XXIV. Weblink Please note this is the new scheme. However, please refer to our
website for the following:

TER for last 6 months/ Daily TER:

Please refer https://www.sbimf.com/total-expense-ratio-of-mutual-

fund-schemes

Scheme factsheet:
Please refer https://www.sbimf.com/factsheets

7
DUE DILIGENCE BY THE ASSET MANAGEMENT COMPANY

It is confirmed that:

(i) The Scheme Information Document submitted to SEBI is in accordance with the SEBI
(Mutual Funds) Regulations, 1996 and the guidelines and directives issued by SEBI from
time to time.
(ii) All legal requirements connected with the launching of the Scheme as also the guidelines,
instructions, etc., issued by the Government and any other competent authority in this
behalf, have been duly complied with.
(iii) The disclosures made in the Scheme Information Document are true, fair and adequate to
enable the investors to make a well informed decision regarding investment in the Scheme.
(iv) The intermediaries named in the Scheme Information Document and Statement of
Additional Information are registered with SEBI and their registration is valid, as on date.
(v) The contents of the Scheme Information Document including figures, data, yields etc. have
been checked and are factually correct
(vi) A confirmation that the AMC has complied with the compliance checklist applicable for
Scheme Information Documents and other than cited deviations/ that there are no deviations
from the regulations
(vii) Notwithstanding anything contained in this Scheme Information Document, the provisions of
the SEBI (Mutual Funds) Regulations, 1996 and the guidelines there under shall be
applicable.
(viii) The Trustees have ensured that SBI Income Plus Arbitrage Active FOF approved by them is
a new product offered by SBI Mutual Fund and is not a minor modification of any existing
scheme/fund/product.

Sd/-

Date: March 17, 2025 Name: Nand Kishore

Place: Mumbai Designation: Managing Director & CEO

8
Part II. INFORMATION ABOUT THE SCHEME

A. HOW WILL THE SCHEME ALLOCATE ITS ASSETS?

The funds collected under the scheme shall generally be invested consistent with the objective of the
scheme in the following manner:

Instruments Indicative allocations

(% of total assets)
Minimum Maximum
Units of actively managed Arbitrage Mutual
35% 50%
Fund schemes

Units of actively managed debt-oriented

50% 65%
schemes.
Money market instruments, Triparty Repo,
reverse Repo, cash and cash equivalents 0% 5%

The scheme shall invest in the units of existing mutual fund schemes of SBI Mutual Fund and/ or other
mutual funds.

It may be noted that after the closure of the NFO Period/pending deployment of the funds of the Scheme,
the Scheme may park the funds in Government securities including Triparty Repo, and units of liquid
mutual fund until the full deployment is achieved.

Pursuant to clause 12.24 of SEBI Master Circular for mutual funds dated June 27, 2024, the cumulative
gross exposure through units of mutual fund schemes money market instruments, and other permitted
securities/assets and such other securities/assets as may be permitted by the SEBI from time to time
(gross notional exposure) shall not exceed 100% of net assets of the scheme. However, pursuant to
paragraph 12.25 of SEBI Master Circular of Mutual Funds dated June 27, 2024 and SEBI letter no. SEBI/
HO/ IMD – II/ DOF3 / OW/ P/ 2021/ 31487/ 1 dated November 3, 2021 addressed to AMFI, it has been
mentioned that cash or cash equivalents like Government securities, T-Bills and repo on Government
Securities with residual maturity of less than 91 days may be treated as not creating any exposure.

The Scheme shall not invest in repo and reverse repo in corporate debt .
The scheme does not intend to invest in securitized debt and unrated instruments.
The Scheme shall not engage in stock lending and borrowing.
The scheme shall not engage in short selling.
The Scheme shall not invest in debt instruments with special features as covered in clause 12.2 of SEBI
Master circular dated June 27, 2024 for Mutual Funds.
The scheme shall not invest in ReITs and InVITs.
The scheme shall not engage in Credit Default Swap transactions.
The scheme will not invest in ADR/ GDR/ Foreign Securities
The scheme will not invest in Derivatives

However, the Underlying scheme(s) may have exposure to these securities and may also undertake
covered call, securities lending, imperfect hedging using IRFs or such other instruments as permitted by
SEBI from time to time.
This investment in units of Liquid mutual fund is subject to prevailing regulatory limits of aggregate inter-
scheme investment made by all schemes under the same management or in schemes under the
management of any other asset management company which shall not exceed 5% of the net asset value
of the mutual fund.
9
There can be no assurance that the investment objective of the scheme will be achieved.

Apart from the investment restrictions prescribed under SEBI (MF) Regulations, the fund follow internal
norms vis-à-vis limiting exposure to a particular scrip or sector, etc

Indicative Table (Actual instrument/percentages may vary subject to applicable SEBI circulars)

Sl. no Type of Instrument Percentage of exposure Circular references

1 Not Applicable

The scheme shall not invest in below instruments :

Sr, No. Type of securities/instruments

1 ADR/ GDR/ Foreign Securities
2 Repo and reverse repo in corporate debt
3 Securitised Debt
4 Credit Default Swaps transactions
5 unrated debt instrument
6 Debt instruments having structured obligations and credit enhancements
7 Debt instruments with special features as covered in paragraph 12.2 of Master circular
for Mutual Funds.
8 ReITs and InVITs;
9 Securities Lending and Borrowing
10 Derivatives

The Scheme shall not engage in short selling.

Change in Asset Allocation

The above investment pattern is indicative and may be changed by the Fund Manager for a short term
period on defensive considerations, keeping in view market conditions, market opportunities, applicable
SEBI (Mutual Funds) Regulations 1996, legislative amendments and other political and economic factors,
the intention being at all times to seek to protect the interests of the Unit Holders. If the exposure falls
outside the above mentioned asset allocation pattern, the portfolio to be rebalanced by AMC within 30
days from the date of said deviation.

Portfolio Rebalancing:

Pursuant to Paragraph 2.9 of SEBI Master Circular for Mutual Funds dated June 27, 2024 in case the
fund manager for any reason is not able to rebalance the asset allocation due to passive breaches
(occurrence of instances not arising out of omission and commission of AMC) within 30 business days
from the date of deviation, justification in writing, including details of efforts taken to rebalance the portfolio
shall be placed before Investment Committee. The Investment Committee, if so desires, can extend the
timelines up to sixty (60) business days from the date of completion of the mandated rebalancing period.

Further, it will follow timelines for rebalancing of portfolios of Mutual Fund Schemes, reporting &
disclosure requirements in pursuant to Paragraph 2.9.4 of SEBI Master Circular of Mutual funds dated
June 27, 2024. The funds raised under the scheme shall be invested only in transferable securities as
per Regulation 44(1), Schedule 7 of the SEBI (Mutual Funds) Regulations, 1996.

10
 There can be no assurance or guarantee that the investment objective of the scheme will be achieved.

Timelines for deployment of funds collected in NFO

Pursuant to SEBI circular no. SEBI/HO/IMD/IMD-PoD-1/P/CIR/2025/23 dated February 27, 2025; the
fund manager shall aim to deploy the funds garnered during the NFO within 30 business days from the
date of allotment of units.

In an exceptional case, if the fund manager is not able to deploy the funds within 30 business days as
per the scheme’s asset allocation, reasons in writing, including details of efforts made to deploy the funds,
will be placed before the Investment Committee. The Investment Committee, after examining the root
cause for delay in deployment, may extend the timeline by 30 business days.

B. WHERE WILL THE SCHEME INVEST?

The Scheme will invest in following:

• Units of actively managed Arbitrage Mutual Fund schemes
• Units of actively managed Debt oriented scheme(s),
Money Market instruments includes Commercial Paper, Commercial Bills, Certificates of Deposit,
Treasury Bills, Bills Rediscounting, Repos, Triparty Repo, Government securities having an unexpired
maturity of less than 1 year, alternate to Call or notice money, Usance Bills and any other such short-
term instruments as may be allowed under the Regulations prevailing from time to time and Cash and
cash equivalents

A brief narration of Money Market Instruments are as under:

1. Certificate of Deposits (CDs) is a negotiable money market instrument issued by scheduled

commercial banks and select all- India Financial Institutions that have been permitted by the RBI
to raise short term resources.
2. Commercial Paper (CPs) is an unsecured negotiable money market instrument issued in the form
of a promissory note, generally issued by the corporates, primary dealers and all India Financial
Institutions as an alternative source of short term borrowings. They are issued at a discount to the
face value as may be determined by the issuer. CP is traded in secondary market and can be
freely bought and sold before maturity.
3. Treasury Bills (T-Bills) are issued by the Government of India to meet their short term borrowing
requirements. T-Bills are issued for maturities of 91 days, and 364 days. T-bills are issued at a
discount to their face value and redeemed at par.
4. Triparty Repo.
5. Securities created and issued by the Central Governments as may be permitted by RBI, securities
guaranteed by the Central Governments (including but not limited to coupon bearing bonds, zero
coupon bonds and treasury bills). Central Government Securities are sovereign debt obligations
of the Government of India with zero-risk of default and issued on its behalf by RBI. They form part
of Government’s annual borrowing programme and are used to fund the fiscal deficit along with
other short term and long term requirements. Such securities could be fixed rate, fixed interest rate
with put/call option, zero coupon bond, floating rate bonds, capital indexed bonds, Fixed Interest
security with staggered maturity payment etc.
6. Repo (Repurchase Agreement) or Reverse Repo is a transaction in which two parties agree to sell
and purchase the same security with an agreement to purchase or sell the same security at a
mutually decided future date and price. The transaction results in collateralized borrowing or
lending of funds. When the seller sells the security with an agreement to repurchase it, it is Repo
transaction whereas from the perspective of buyer who buys the security with an agreement to sell
11
 it at a later date, it is reverse repo transaction. The scheme can participate in Repo/Reverse Repo
in G-Secs and T-Bills.

(Please refer section II for Detailed definition and applicable regulations/guidelines for
each instrument)

C. WHAT ARE THE INVESTMENT STRATEGIES?

SBI Income Plus Arbitrage Active FOF is an open-ended fund of fund scheme. The scheme seeks
to generate regular income and capital appreciation by investing in a mix of units of actively
managed debt-oriented schemes and actively managed Arbitrage mutual fund schemes in
conformity with the investment objective of the Scheme.

Investments in actively managed debt-oriented schemes will be based on an evaluation of

macroeconomic factors, policy rates, liquidity expectations, and demand-supply dynamics, enabling
active management of credit risk and interest rates as well as their likely evolution over the medium
term. This scheme will exclude investment in underlying schemes classified in cell C III of the PRC
matrix.

The scheme will be actively managed to achieve its investment objective.

For details pertaining to Risk Controls Strategies refer Point no. C in section II of the Scheme
Information Document.

D. HOW WILL THE SCHEME BENCHMARK ITS PERFORMANCE?

The First Tier benchmark of the Scheme is 65% Nifty Composite Debt Index + 35% Nifty 50 Arbitrage
Index.
The composition of the aforesaid benchmark is such that it is most suited for comparing performance
of the scheme.

The Trustees reserves the right to change the benchmark in future if a benchmark better suited to the
investment objective of the scheme is available.

E. WHO MANAGES THE SCHEME?

Name of the Fund Educational Type and nature of past experiences including
Manager, Age & tenure Qualifications assignments held during the last 10 years
of managing the scheme

Mr. Ardhendu PGDM-Goa Institute Mr. Ardhendu Bhattacharya (Fixed Income Dealer)
Bhattacharya of Management joined SBIFML in April 2019. He has over 12 years
of experience in finance sector. Prior to joining
Fund Manager SBIFML, he was previously associated with
following entities. ICICI Bank Limited (June 2014
Age: 36 years – April 2019) - Primarily involved in trading in
money markets and short term corporate bonds
Citibank N.A. (April 2010 – June 2013) - Principally
Tenure of managing the handled currency and trade sales
scheme: managing

12
 since inception of the Currently he is managing debt portion of SBI
scheme Retirement Benefit Fund - Aggressive Plan, SBI
Retirement Benefit Fund - Aggressive Hybrid Plan,
SBI Retirement Benefit Fund - Conservative
Hybrid Plan and SBI Retirement Benefit Fund -
Conservative Plan, SBI Floating Rate Debt Fund,
SBI Arbitrage Opportunities Fund (Debt portion)
and Co-Fund Manager of SBI Corporate Bond
Fund, SBI Banking & PSU Fund, SBI Magnum
Ultra Short Duration Fund and SBI-ETF 10 year
Gilt.

F. HOW IS THE SCHEME DIFFERENT FROM EXISTING SCHEMES OF THE MUTUAL FUND?

SBI Income Plus Arbitrage Active FOF is an open-ended fund of funds scheme. The scheme seeks to
generate regular income and capital appreciation by investing in a mix of units of actively managed debt
oriented schemes and actively managed Arbitrage mutual fund schemes..

However, there is no guarantee or assurance that the investment objective of the scheme will be
achieved.

Following is the investment objectives / strategies/ asset allocation of various Fund of Funds schemes
presently being managed by SBI Mutual Fund:

Name of Scheme
SBI International Access – US Equity FoF
SBI Gold Fund
SBI Silver ETF – FOF

The table showing the differentiation of the Scheme with the existing Fund of Funds scheme of SBI
Mutual Fund is available on our website at https://www.sbimf.com/offer-document-sid-kim
G. HOW HAS THE SCHEME PERFORMED

i) Performance of the Scheme (in %): This is a new scheme and does not have any performance track
record

ii) Financial Year Wise Performance: This is a new scheme and does not have any performance track
record

H. ADDITIONAL SCHEME RELATED DISCLOSURES

This is a new Scheme and therefore, the requirement of following additional disclosures shall
not be applicable for the Scheme.

i. Scheme’s portfolio holdings (top 10 holdings by issuer and fund allocation towards various
sectors.) – https://www.sbimf.com/sbimf-top-holdings/699
ii. Disclosure of name and exposure to Top 7 issuers, stocks, groups and sectors as a
percentage of NAV of the scheme – NA

iii. Functional website link for Portfolio Disclosure - Please refer to our website -
https://www.sbimf.com/portfolios
13
 iv. Portfolio Turnover Rate – Not Applicable.
v. Aggregate investment in the Scheme by:

Sr. Category of Persons Net Value Market Value ( in Rs.)

No.
. Concerned scheme’s Fund Units NAV per unit
Manager(s)
1 Ardhendu Bhattacharya NA

For any other disclosure w.r.t investments by key personnel and AMC directors including
regulatory provisions in this regard kindly refer SAI.

vi. Investments of AMC in the Scheme –

Please refer to our website - https://www.sbimf.com/offer-document-sid-kim

In accordance with Regulation 25(16A), the asset management company shall invest such
amounts in such schemes of the mutual fund, based on the risks associated with the
schemes, as may be specified by the Board from time to time. But the AMC shall not be
entitled to charge any management fees on this investment in the scheme.
Investments by the AMC will be in accordance with Regulation 25(17) of the SEBI (MF)
Regulations, 1996 which states that:

"The asset management company shall not invest in any of its schemes unless full disclosure
of its intention to invest has been made in the Scheme Information Document (SID), provided
that the asset management company shall not be entitled to charge any fees on its
investment in the scheme."

Part III- OTHER DETAILS

A. COMPUTATION OF NAV

The first NAV will be calculated and announced not later than 5 business days from the date of
allotment in the NFO. Subsequently, the NAV of the Scheme shall be computed and declared on
every business day. The NAV under the Scheme would be rounded off to 4 decimals and Units will
be allotted upto three decimal places as follows or such other formula as may be prescribed by SEBI
from time to time:

Market or Fair Value of Scheme’s investments + Current Assets - Current Liabilities and Provision
NAV = --------------------------------------------------------------------------------------------------------------------
No of Units outstanding under Scheme on the Valuation Date

NAV will be disclosed in the manner as specified under SEBI (Mutual Funds) Regulations, 1996.
NAV can also be viewed on www.sbimf.com and www.amfiindia.com.

The AMC shall update the NAVs on the website of Association of Mutual Funds in India - AMFI
(www.amfiindia.com) by 10.00 a.m. on the following business day. In case of any delay, the reasons
for such delay would be explained to AMFI and SEBI by the next business day. If the NAVs are not
available before commencement of business hours on the following day due to any reason, the Fund
shall issue a press release providing reasons and explaining when the Fund would be able to publish
the NAVs.

Further, as per SEBI Regulations, the repurchase price shall not be lower than 95% of the NAV

14
Methodology for calculation of sale and re-purchase price of the units of mutual fund scheme:

Let’s assume that the NAV of a Mutual Fund Scheme on April 01, 2024 is Rs. 10/-.

Purchase of mutual fund units:

The Purchase Price of the Units on an ongoing basis will be same as Applicable NAV.

Purchase Price = Applicable NAV

In the above example, purchase is done on April 01, 2024, when the Applicable NAV = Rs. 10/-
Therefore, Purchase Price = Rs. 10/-

As per existing Regulations, no entry load is charged with respect to applications for purchase /
additional purchase of mutual funds units.

Redemption/Re-purchase of mutual fund units

The Redemption Price of the Units will be calculated on the basis of the Applicable NAV subject to
prevailing Exit Load, if any. In case of redemption, the amount payable to the investor shall be
calculated as follows:

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

Say, in the above example the exit load applicable is:

a. For exit on or before 12 months from the date of allotment – 1.00%

b. For exit after 12 months from the date of allotment – Nil.

Scenario 1: Redemption is done during applicability of exit load

In case the investor requests for redemption on or before 12 months i.e. on or before March 31,
2025; say December 1, 2024, when the NAV of the scheme is Rs. 12/- and the exit load applicable
is 1%, so the Redemption amount payable to investor shall be calculated as follows:

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

= Rs. 12 * (1-1%) = Rs. 11.88/-

Scenario 2: Redemption is done when the exit load is NIL

In case the investor requests for redemption after 12 months i.e. after March 31, 2019; say April 1,
2019, when the NAV of the scheme is Rs. 12/- and the exit load applicable is NIL, so the Redemption
amount payable to investor shall be calculated as follows:

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

= Rs. 12 * (1-0) = Rs. 12/-

The aforesaid example does not take into consideration any applicable statutory levies or taxes.
Accordingly, the redemption amount payable to investor shall further reduce to the extent of
applicable statutory levies or taxes.

Note: The aforesaid disclosure has been made pursuant to SEBI paragraph 8.1.5 of the SEBI Master
Circular for Mutual Funds dated June 27, 2024.

15
Illustration on Computation of NAV:

If the net assets of the Scheme are Rs. 10,55,40,345.34 and units outstanding are 1,00,00,000 then
the NAV per unit will be computed as follows: 10,55,40,345.34 / 1,00,00,000 = Rs. 10.5540 p.u.
(rounded off to four decimals)

B. NEW FUND OFFER (NFO) EXPENSES

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

The entire New Fund Offer expenses for the launch the Scheme will be borne by the AMC.

C. ANNUAL SCHEME RECURRING EXPENSES

The AMC has estimated that the expenses upto 2.00% per annum as per regulation 52(6)(a )(plus
additional expenses as allowed under regulation 52(6A)) of the daily net asset will be charged to
the scheme. The maximum annual recurring expenses that can be charged to the Scheme,
excluding issue or redemption expenses, whether initially borne by the mutual fund or by the asset
management company, but including the investment management and advisory fee shall be within
the limits stated in Regulations 52 read with Chapter 10 of SEBI master circular for Mutual Funds
dated June 27, 2024.

These estimates have been made in good faith as per the information available to the Investment
Manager based on past experience and are subject to change inter-se. Types of expenses charged
shall be as per the SEBI (Mutual Funds) Regulation, 1996. These are the fees and expenses for
operating the scheme. These expenses include Investment Management and Advisory Fee
charged by the AMC, Registrar and Transfer Agents’ fee, marketing and selling costs etc. incurred
towards different heads mentioned under regulations 52(2) and 52(4) and as illustrated in table
below:

Expense Head % of daily

Net Assets
Investment Management and Advisory Fees
Trustee fee
Audit fees
Custodian fees
RTA Fees
Marketing & Selling expense including agent’s commission
Cost related to investor communications
Cost of fund transfer from location to location
Upto 2.00%
Cost of providing account statements and Income Distribution cum (Refer Note
capital withdrawal redemption cheques and warrants
(A) below)
Costs of statutory Advertisements
Cost towards investor education & awareness
Brokerage & transaction cost over and above 12 bps and 5 bps for
cash market transactions and derivative market transactions
respectively (refer note 1 below)
Goods & Services tax on expenses other than investment and
advisory fees
Goods & Services tax on brokerage and transaction cost
16
 Other Expenses
Expenses charged by the underlying scheme
Maximum total expense ratio (TER) permissible under Regulation Upto 2.00%
52 (6)(a) (Refer Note
(A) below)
Additional expenses for gross new inflows from specified cities
Upto 0.30%
under Regulation 52(6A)(b) (refer note 2 below)
Additional expenses under Regulations 52(6A)(c)* (refer note 3
Upto 0.05%
below)

Note (A): Investors may please note that they will be bearing the recurring expenses of the Scheme in
addition to the expenses of the underlying schemes in which the fund of funds (FOF) scheme makes
investment. The total expense ratio of the FOF scheme including weighted average of the total expense
ratio levied by the underlying scheme(s) shall not exceed 2.00 per cent of the daily net assets of the scheme.

Further, the total expense ratio to be charged by FOF scheme over and above the weighted average of the
total expense ratio of the underlying scheme shall not exceed two times the weighted average of the total
expense ratio levied by the underlying scheme(s), subject to the limit as specified above.

In addition to expenses as permissible under Regulation 52 (6) (a), the AMC may charge the following
additional costs or expenses to the scheme:
1. In terms of Regulation 52 (6A) (a), Brokerage and transaction costs which are incurred for the
purpose of execution of trade up to 0.12 per cent of trade value in case of cash market transactions
and 0.05 per cent of trade value in case of derivatives transactions. Further in terms of paragraph
10.1.14 of SEBI Master Circular for Mutual Funds dated June 27, 2024, any payment towards
brokerage and transaction cost, over and above the said 0.12 per cent and 0.05 per cent for cash
market transactions and derivatives transactions respectively may be charged to the scheme within
the maximum limit of Total Expense Ratio (TER) as prescribed under regulation 52 of the SEBI
(Mutual Funds) Regulations, 1996. Goods & service tax on brokerage and transaction cost paid for
execution of trade, if any, shall be within the limit prescribed under regulation 52 of the Regulations.
2. In terms of Regulation 52 (6A) (b), expenses not exceeding of 0.30 per cent of daily net assets will
be charged, if the new inflows from such cities as specified from time to time are at least –
I. 30 percent of gross new inflows in the scheme, or;
II. 15 percent of the average assets under management (year to date) of the scheme, whichever is
higher:
Provided that if inflows from such cities is less than the higher of sub-clause (i) or subclause (ii), such
expenses on daily net assets of the scheme shall be charged on proportionate basis:
Provided further that expenses charged under this clause shall be utilised for distribution expenses incurred
for bringing inflows from such cities:
Provided further that amount incurred as expense on account of inflows from such cities shall be credited
back to the scheme in case the said inflows are redeemed within a period of one year from the date of
investment.
The additional TER in terms of Regulation 52(6A)(b) of SEBI (Mutual Funds) Regulations, 1996 shall be
charged based on inflows from Retail Investors from beyond top 30 cities (B-30 cities). Accordingly, the
inflows of amount upto Rs 2,00,000/- per transaction, by individual investors shall be considered as inflows
from “Retail Investors
Note: SEBI vide its letter no. SEBI/HO/IMD-SEC-3/P/OW/2023/5823/1 dated February 24, 2023 and AMFI
letter dated No. 35P/ MEM-COR/ 85-a/ 2022-23 dated March 02, 2023 has directed AMCs to keep B-30
incentive structure in abeyance with effect from March 01, 2023 till further notice.

3. In terms of Regulation 52 (6A) (c), the scheme may charge additional expenses incurred towards
different heads mentioned under regulations (2) and (4), not exceeding 0.05% of the daily net
assets. Pursuant to paragraph 10.1.7 of SEBI Master Circular for mutual funds dated June 27, 2024
additional expenses under regulation 52 (6A) (c) shall not be levied if the scheme doesn’t have exit
load.
4. The Goods and Service Tax (GST) on investment management and advisory fees would be
17
 charged in addition to above limit. Further, GST on expenses other than investment and advisory
fees shall be borne by the Scheme within the maximum limit of annual recurring expenses as
prescribed in Regulation 52.

Direct Plan shall have a lower expense ratio excluding distribution expenses, commission, etc., vis-à-vis
the Regular Plan and no commission shall be paid from Direct Plan. Both the plans i.e. Direct & Regular
shall have common portfolio. However, Regular Plan and Direct Plan shall have different NAVs.

For investor education and awareness initiative, the AMC or the Schemes of the Fund will annually set
apart at least 0.02 percent of daily net asset of the Schemes of the Fund within the maximum limit of the
total expense ratio as per SEBI Regulation. Pursuant to paragraph 10.1.16 of SEBI Master Circular for
mutual funds dated June 27, 2024 Fund of Funds (FoFs) investing more than 80% of its NAV in the
underlying domestic funds shall not be required to set aside 0.02 percent of the daily net assets towards
investor education and awareness initiatives.
Further, in terms of SEBI circular SEBI/IMD/CIR No.7/104753/07 dated September 26, 2007, in case
scheme invests in overseas mutual fund units / ETFs, management fees and other expenses charged by
mutual fund(s) / ETF(s) in foreign countries along with management fees and other expenses charged to
the domestic mutual fund scheme shall not exceed total limit of expenses as prescribed under Regulation
52(6). Where the scheme is investing only a part of the net assets in the overseas mutual fund(s) / ETF(s),
the same principle shall be applicable for that part of investment.

The Mutual Fund would disclose daily Total Expense Ratio (TER) of scheme on the mutual fund website
and on the website of AMFI. Any change in the base TER (i.e. TER excluding additional expenses
provided in Regulation 52(6A)(b), 52(6A)(c) of SEBI (Mutual Funds) Regulations, 1996 and Goods and
Services Tax on investment management and advisory fees) in comparison to previous base TER
charged to the scheme/plan will be communicated to investors and the notice of such change in base
TER will be updated on the website, at least three working days prior to effecting such change, in the
manner specified by SEBI from time to time. Investors can refer https://www.sbimf.com/en-
us/disclosure/total-expense-ratio-of-mutual-fund-schemes for Total Expense Ratio (TER) details.

All scheme related expenses including commission paid to distributors, by whatever name it may be
called and in whatever manner it may be paid, shall necessarily paid from the scheme only within the
regulatory limits and not from the books of AMC, its associate, sponsor, trustees or any other entity
through any route in terms of SEBI circulars, subject to the clarifications provided by SEBI to AMFI vide
letter dated February 21 , 2019 on implementation of SEBI Circular on Total Expense Ratio (TER) and
performance disclosure for Mutual Fund.

The AMC shall not enter into any revenue sharing arrangement with the Underlying scheme(s) in any
manner and shall not receive any revenue by whatever means/head from the Underlying scheme(s).
Any commission or brokerage received from the Underlying scheme(s) shall be credited to scheme’s
account.

The investors are bearing the recurring expenses of the scheme, in addition to the expenses of
underlying schemes in which the Fund of Funds Scheme makes investments.

Illustration of impact of expense ratio on schemes returns :

Particulars Regular Plan Direct plan

Opening NAV (INR Rs) -> (a) 100 100
Scheme's Gross return for the year -> (b) 10% 10%
Closing NAV before charging expenses -> (c ) 110 110
Total Expense charged in (INR Rs) -> (d) 1.0 0.75
18
 NAV after charging expenses -> (e ) = (c ) - (d ) 109.0 109.25
Net Return to the investor 9.00% 9.25%

1. The above computation assumes no investment/ redemption made during the year. The
investment is made in the Growth option of the scheme.

2. The above computation is simply to illustrate the impact of expenses of the scheme. The actual
expenses charged to the scheme will not be more than the amount that can be charged to the
scheme as mentioned in this SID.

3. It is assumed that expenses charged are evenly distributed throughout the year. Tax impact on
customers has not been considered due to the individual nature of this impact.

4. Calculations shown in the above table are for illustrative and understanding purposes only and
actual returns may differ from those considered above

D. LOAD STRUCTURE

Exit Load is an amount which is paid by the investor to redeem the units from the scheme. Load
amounts are variable and are subject to change from time to time. For the current applicable
structure, please refer to the website of the AMC (www.sbimf.com) or may call at (toll free no. 1800
209 3333/1800 425 5425.) or your distributor.

Type of Load Load chargeable (as %age of NAV)

Exit NIL

The charges stated above are a percentage of the NAV.

Units issued on Re-investment of Income Distribution cum capital withdrawal shall not be subject to exit
load.

The AMC reserves the right to introduce a load structure, levy a different load structure or remove the
load structure in the scheme at any time after giving notice to that effect to the investors through an
advertisement in an English language daily that circulates all over India as well as in a newspaper
published in the language of the region where the Head Office of the mutual fund is situated. Goods &
Service tax on exit load shall be paid out of the exit load proceeds and exit load net of goods & service
tax shall be credited to the scheme.

The upfront commission on investment, if any, shall be paid to the ARN Holder directly by the investor,
based on the investor’s assessment of various factors including service rendered by the ARN Holder.

The investor is requested to check the prevailing load structure of the scheme before investing.

Any imposition or enhancement in the load shall be applicable on prospective investments only. At the
time of changing the load structure, the mutual fund may consider the following measures to avoid
complaints from investors about investment in the schemes without knowing the loads:

i. The AMC shall be required to issue an addendum and display the same on its website
immediately.

ii. The addendum shall be circulated to all the distributors/brokers/Investor Service Centre (ISC) so
that the same can be attached to all KIM and SID already in stock till it is updated.

19
iii. Latest applicable addendum shall be a part of KIM and SID. (E.g. in case of changes in load
structure the addendum carrying the latest applicable load structure shall be attached to all KIM
and SID already in stock till it is updated).

iv. Further, the account statements shall continue to include applicable load structure

In accordance with SEBI Regulations, the repurchase price will not be lower than 95% of the NAV

The investor is requested to check the prevailing load structure of the Scheme before investing

20
 Section II

I. Introduction

A. Definitions/interpretation

Please refer the definitions/interpretation as disclosed on our website under:

https://www.sbimf.com/offer-document-sid-kim

B. Risk factors

Scheme Specific Risk Factors:

1. Investment in Underlying scheme(s) may be subject to the following risks:

a) The investors of Fund of Funds shall bear the recurring expenses of Fund of Funds scheme in
addition to the expenses of the underlying scheme(s) (subject to regulatory limits) in which the
investments are made and hence the returns of the Fund of Funds scheme may be materially
impacted or may at times be lower than the returns that investors may obtain by directly investing in
such schemes.
b) As the Fund of Funds scheme may shift the allocation weightage of between underlying scheme(s),
the expenses charged being dependent on the structure of the underlying scheme(s) (being
different) may lead to a non- uniform charging of expenses over a period of time.
c) The Portfolio disclosure of Fund of Funds (FOF) scheme will be limited to providing the particulars
of the allocation to the Underlying scheme(s) where FOF scheme has invested and will not include
the investments made by the Underlying scheme(s).
d) The scheme specific risk factors of each of the underlying scheme(s) become applicable where a
fund of funds invests in any underlying scheme(s). Investors who intend to invest in Fund of Funds
are required to and are deemed to have read and understood the risk factors of the underlying
schemes relevant to the Fund of Funds scheme that they invest in. The investors should refer to the
Scheme Information Documents and the related addendums for the scheme specific risk factors of
the respective Underlying Schemes.
e) All risks associated with Underlying Schemes, including performance of their underlying stocks,
derivative instruments, stock-lending, investments in foreign securities etc., will therefore be
applicable in the case of FOF scheme.
f) Movements in the Net Asset Value (NAV) of the Underlying scheme(s) may impact the performance
of FOF scheme. Any change in the investment policies or fundamental attributes of the Underlying
scheme(s) will affect the performance of FOF scheme.
g) Redemption by FOF scheme from the underlying scheme(s) would be subject to applicable exit
loads, which may impact performance of FOF scheme.
h) The underlying scheme(s) in which the FOF scheme invests may not perform in line with the market
and may also not achieve its investment objective. In such a situation, the performance of the FOF
scheme could be affected and its ability to achieve its investment objective may be impaired.
i) To the extent the assets of the FOF scheme are invested in the underlying overseas fund/s the
performance, risk profile, and liquidity of the FOF scheme will be directly related to those of the
underlying scheme(s).
j) In the event of receipt of an inordinately large number of redemption requests and inability of the
Underlying Scheme(s) to generate enough liquidity because of market conditions, there may be
delays in redemption of units
k) If the underlying scheme(s) winds up the scheme for any reason, the FOF scheme may have to find
the similar alternative scheme. Until such alternative is found and investments transferred into it, the
FOF scheme may not earn scheme objective related return.
l) The tax benefits described in the SAI & SID are as available under the present taxation laws and
are available subject to relevant condition. The information given is included only for general purpose
21
 and is based on advice received by the AMC regarding the law and practice currently in force in
India and the Investors and Unit Holders should be aware that the relevant fiscal rules or their
interpretation may change. As in the case with any investment, there can be no guarantee that the
tax position or the proposed tax position prevailing at the time of the investment in the FOF Scheme
will endure indefinitely. In view of the individual nature of tax consequences, each Investor / Unit
holder is advised to consult his/her/its own professional tax advisor.
m) The Mutual Fund is not assuring any IDCW nor is it assuring that it will make any IDCW distributions.
All IDCW distributions are subject to the availability of distributable surplus and would depend on
the performance of the FOF scheme.
n) While it would be the endeavour of the Fund Manager of the Fund of Fund scheme to invest in the
target schemes in a manner, which will seek to maximize returns, the performance of the underlying
scheme(s) may vary which may lead to the returns of the Fund of Funds being adversely impacted.
o) A Fund Manager managing any one of the FOF scheme may also be the Fund Manager for any
underlying scheme(s).

2. Risks associated with investment in units of mutual fund:

Investment in Mutual Fund Units involves investment risks, including but not limited to risks such as
liquidity risk, volatility risk, default risk including the possible loss of principal.

• Liquidity risk – The liquidity of the scheme’s investments is inherently restricted by trading volumes
and settlement periods. In the event of an inordinately large number of redemption requests, or of a
restructuring of the scheme’s investment portfolio, these periods may become significant. In view of
the same, the right to limit redemptions will be in accordance with paragraph 1.12 of the SEBI Master
Circular for Mutual Funds dated June 27, 2024.

• Volatility risks: There is the risk of volatility in markets due to external factors like liquidity flows,
changes in the business environment, economic policy etc. The scheme will manage volatility risk
through diversification across companies and sectors within PSUs.

• Default risk - Credit risk is risk resulting from uncertainty in counterparty's ability or willingness to
meet its contractual obligations. This risk pertains to the risk of default of payment of principal and
interest. Government Securities have zero credit risk while other debt instruments are rated according
to the issuer's ability to meet the obligations.

3. Investment in equity & equity related investments by underlying schemes may be subject to
the following risks:

a) Equity and equity related risk: Equity instruments carry both company specific and market risks and
hence no assurance of returns can be made for these investments.
b) Equity and Equity related instruments are volatile in nature and are subject to price fluctuations on
daily basis. The volatility in the value of the equity and equity related instruments is due to various
micro and macro economic factors affecting the securities markets. This may have adverse impact
on individual securities /sector and consequently on the NAV of Scheme.
c) The inability of the Scheme to make intended securities purchases due to settlement problems could
cause the Scheme to miss certain investment opportunities as in certain cases, settlement periods
may be extended significantly by unforeseen circumstances. Similarly, the inability to sell securities
held in the schemes portfolio may result, at times, in potential losses to the scheme, should there be
a subsequent decline in the value of the securities held in the schemes portfolio.
d) Trading volumes, settlement periods and transfer procedures may restrict the liquidity of the
investments made by the scheme. 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 AMC may invest in unlisted securities that offer attractive yields within the regulatory limit. This
22
 may however increase the risk of the portfolio as these unlisted securities are inherently illiquid in
nature and carry larger liquidity risk as compared to the listed securities or those that offer other exit
options to the investors.

4. Investment in Debt & money market securities investments under the scheme may also be
subject to the following risks:

a) Credit risk: Credit risk is risk resulting from uncertainty in counterparty’s ability or willingness to meet
its contractual obligations. This risk pertains to the risk of default of payment of principal and interest.
Government Securities have zero credit risk while other debt instruments are rated according to the
issuers’ ability to meet the obligations.
b) Liquidity Risk pertains to how saleable a security is in the market. If a particular security does not
have a market at the time of sale, then the scheme may have to bear an impact depending on its
exposure to that particular security.
c) Interest Rate risk is associated with movements in interest rate, which depend on various factors
such as government borrowing, inflation, economic performance etc. The value of investments will
appreciate/depreciate if the interest rates fall/rise. However, if the investments are held on till
maturity of the investments, the value of the investments will not be subjected to this risk.
d) Reinvestment risk: This risk arises from uncertainty in the rate at which cash flows from an
investment may be reinvested. This is because the bond will pay coupons, which will have to be
reinvested. The rate at which the coupons will be reinvested will depend upon prevailing market
rates at the time the coupons are received.
e) The Scheme may invest in the units of liquid mutual funds. Trading volumes, settlement periods and
transfer procedures may restrict the liquidity of the investments made by the underlying scheme of
mutual funds wherein the Scheme has invested. As a result, the time taken by the Mutual Fund for
the redemption of units may be significant in the event of a high number of redemption requests or
a restructuring of the scheme. In view of the above, the right to limit redemptions will be in
accordance with paragraph 1.12 of the SEBI Master Circular for Mutual Funds dated June 27, 2024.

6. Risks associated with segregated portfolio :

Different types of securities in which the scheme would invest carry different levels and types of risk
as given in the Scheme Information Document of the scheme. In addition to the same, unitholders
are requested to also note the following risks with respect to Segregated Portfolio:
1. Investor holding units of segregated portfolio may not able to liquidate their holding till the time
there is recovery of money from the issuer.
2. Listing of units of segregated portfolio in recognized stock exchange does not necessarily
guarantee their liquidity, as there may not be active trading of units in the stock market. Further
trading price of units on the stock market may be at a significant discount compared to the
prevailing NAV.
3. Securities which are part of the segregated portfolio may or may not recover any money, either
fully or partially.

C. Risk Control strategies

Investments in the Scheme would be in accordance with the investment objective of the Scheme
and the provisions of the SEBI (MF) Regulations. The Scheme shall invest in units of actively
managed Arbitrage and actively managed Debt-oriented schemes. The risk mitigation strategies
applicable to underlying schemes will also be applicable to this scheme. While these measures
are expected to mitigate the risks to a large extent, there can be no assurance that these risks
would be completely eliminated.

Risk control measures for investment strategy:

23
 The fund will comply with the prescribed SEBI limits on exposure. Risk is monitored and necessary
action would be taken on the portfolio if required.

Risk control measures for managing liquidity:

Mutual Fund portfolios are generally well diversified and typically endeavour to provide liquidly on
a T+1/T+2 basis and aim to mitigate any risks arising out of underlying investments.

Risk Control Measure for Duration and Credit Risk:

This scheme will not invest in underlying schemes classified in cell C III of the PRC matrix.

For risk control, the following may be noted:

Liquidity Risks:
Since the investments are made in Mutual Fund units , liquidity issues in the scheme are not
envisaged.

Volatility risks:
There is the risk of volatility in markets due to external factors like liquidity flows, changes in the
business environment, economic policy etc. The scheme will manage volatility risk through
diversification.

Interest Rate Risk:

Changes in interest rates affect the prices of bonds as well as equities. If interest rates rise the
prices of bonds fall and vice versa. Equity might be negatively affected as well in a rising interest
rate environment. A well-diversified portfolio may help to mitigate this risk.

II. Information about the scheme:

A. Where will the scheme invest –

The Scheme will invest in following:

• Units of actively managed Arbitrage Mutual Fund schemes
• Units of actively managed Debt oriented scheme(s),
Money Market instruments includes Commercial Paper, Commercial Bills, Certificates of
Deposit, Treasury Bills, Bills Rediscounting, Repos, Triparty Repo, Government securities having
an unexpired maturity of less than 1 year, alternate to Call or notice money, Usance Bills and
any other such short-term instruments as may be allowed under the Regulations prevailing from
time to time and Cash and cash equivalents.

A brief narration of Money Market Instruments are as under:

1. Certificate of Deposits (CDs) is a negotiable money market instrument issued by scheduled

commercial banks and select all- India Financial Institutions that have been permitted by the RBI
to raise short term resources.
2. Commercial Paper (CPs) is an unsecured negotiable money market instrument issued in the form
of a promissory note, generally issued by the corporates, primary dealers and all India Financial
Institutions as an alternative source of short term borrowings. They are issued at a discount to the
face value as may be determined by the issuer. CP is traded in secondary market and can be
freely bought and sold before maturity.
3. Treasury Bills (T-Bills) are issued by the Government of India to meet their short term borrowing
requirements. T-Bills are issued for maturities of 91 days, and 364 days. T-bills are issued at a
discount to their face value and redeemed at par.
4. Triparty Repo.
24
5. Securities created and issued by the Central Governments as may be permitted by RBI, securities
guaranteed by the Central Governments (including but not limited to coupon bearing bonds, zero
coupon bonds and treasury bills). Central Government Securities are sovereign debt obligations
of the Government of India with zero-risk of default and issued on its behalf by RBI. They form part
of Government’s annual borrowing programme and are used to fund the fiscal deficit along with
other short term and long term requirements. Such securities could be fixed rate, fixed interest rate
with put/call option, zero coupon bond, floating rate bonds, capital indexed bonds, Fixed Interest
security with staggered maturity payment etc.
6. Repo (Repurchase Agreement) or Reverse Repo is a transaction in which two parties agree to sell
and purchase the same security with an agreement to purchase or sell the same security at a
mutually decided future date and price. The transaction results in collateralized borrowing or
lending of funds. When the seller sells the security with an agreement to repurchase it, it is Repo
transaction whereas from the perspective of buyer who buys the security with an agreement to sell
it at a later date, it is reverse repo transaction. The scheme can participate in Repo/Reverse Repo
in G-Secs and T-Bills.

DEBT MARKET IN INDIA

The Indian debt markets are one of the largest and rapidly developing markets in Asia. Government
and Public Sector enterprises are the predominant borrowers in the market. The debt markets have
received lot of regulatory and governmental focus off late and are developing fast, with the rapid
introduction of new instruments including derivatives. Foreign Portfolio Investors are also allowed
to invest in Indian debt markets subject to ceiling levels announced by the government. There has
been a considerable increase in the trading volumes in the market. The trading volumes are largely
concentrated in the Government of India Securities, which contribute a significant proportion of the
daily trades.

The money markets in India essentially consist of the call money market (i.e. market for overnight
and term money between banks and institutions), repo transactions (temporary sale with an
agreement to buy back the securities at a future date at a specified price), commercial papers
(CPs, short term unsecured promissory notes, generally issued by corporates), certificate of
deposits (CDs, issued by banks) , Treasury Bills (issued by RBI) and the Triparty Repo .

Government securities are largely traded on a Negotiated Order Matching system (NDS OM) apart
from the OTC market. The settlement of trades both in the Gsec markets and the overnight repo
and Triparty Repo are guaranteed and done by a central counterparty, the Clearing corporation of
India (CCIL). Money market deals involving CD’s and CP’s are traded and settled on an OTC basis.
The clearing and settlement of corporate bond deals are now routed through a central counterparty
established by the exchanges BSE (ICCL) and NSE (NSCCL) which settles deals on a DVP
(Delivery versus payment ) non guaranteed basis.

The current market yields of various instruments and the factors affecting prices of such securities
are given hereunder. The securitized instruments of higher ratings generally offer yields which are
50-75 basis points higher than the comparable normal debt instruments.

Following are the yield matrix of various debt instruments as on April 07, 2025:

Instruments Indicative yield range

Overnight rates 6.00-6.05
90 day Commercial Paper 6.65-6.70
91-day T-bill 6.10-6.15
1 year G-Sec 6.20-6.25

25
 Instruments Indicative yield range
5 year G – Sec 6.40-6.45
10 year G-Sec 6.60-6.65
1 year AAA Bond 7.05-7.10
5 year AAA Bond 7.05-7.10

The interest rate market conditions are influenced by the Liquidity in the system, Credit growth, GDP
growth, Inflows into the Country, Currency movement in the Forex market, demand and supply of issues
and change in investors’ preference. Generally when there is a rise in interest rates the price of securities
fall and vice versa. The extent of change in price shall depend on the rating, tenor to maturity, coupon
and the extent of fall or rise in interest rates. The Government securities carry zero credit risk, but they
carry interest rate risk like any other Fixed Income Securities. Money market instruments such as CP’s
and CD’s which are fairly liquid are not listed in exchanges. The impact cost of offloading the various
asset classes differ depending on market conditions and may impair the value of the securities to that
extent. Further, investments in securitized instruments or structured obligation papers carry a higher
illiquidity risk. They also carry limited recourse to the originator, delinquency risk out of the defaults on
the receivables and prepayment risk which affects the yields on the instruments.

B. What are the investment restrictions?

The investment policies of the scheme comply with the rules, regulations and guidelines laid out in the
SEBI Regulations. As per the Regulations, specifically the Seventh Schedule, the following investment
limitations are applicable to schemes of Mutual Funds as amended from time to time.

a. Transfers of investments from one scheme to another scheme in the same mutual fund shall be
allowed only if, -
(i) such transfers are done at the prevailing market price for quoted instruments on spot basis.
explanation - "spot basis" shall have the same meaning as specified by the stock exchange for
spot transactions,

(ii) the securities so transferred shall be in conformity with the investment objective of the scheme
to which such transfer has been made.
(iii) For meeting liquidity requirement in a scheme in case of unanticipated redemption pressure
(iv) For Duration/Issuer/Sector/Group rebalancing

b. A scheme may invest in another scheme under the same asset management company or any other
mutual fund without charging any fees, provided that aggregate interscheme investment made by all
schemes under the same management or in schemes under the management of any other asset
management company shall not exceed 5% of the net asset value of the mutual fund.

c. The Mutual Fund shall buy and sell securities on the basis of deliveries and shall in all cases of
purchases, take delivery of relevant securities and in all cases of sale, deliver the securities. The
Scheme may engage in Securities lending done shall be within the framework specified by the Board.

Provided that a mutual fund may not engage in short selling of securities.

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

d. The scheme shall not engage in in short selling of securities or carry forward transactions.

26
e. The mutual fund under all its schemes will not own more than ten per cent of any company's paid up
capital carrying voting rights.
Provided, investment in the asset management company or the trustee company of a mutual fund
shall be governed by clause (a), of sub-regulation (1), of regulation 7B.

f. Every mutual fund shall get the securities purchased or transferred in the name of the mutual fund on
account of the concerned scheme, wherever investments are intended to be of long-term nature.

g. Pending deployment of funds of the Scheme, the AMC may invest funds of the Scheme in short-term
deposits of scheduled commercial banks, subject to the following conditions in terms of para 12.16 of the
Master Circular for Mutual Funds dated June 27, 2024, as may be amended from time to time:

i. “Short Term” for parking of funds shall be treated as a period not exceeding 91 days.
ii. Such short-term deposits shall be held in the name of the Scheme.
iii. The Scheme shall not park more than 15% of their net assets in the short term deposit(s)
of all the scheduled commercial banks put together. However, it may be raised to 20% with
the prior approval of the Trustee. Also, parking of funds in short term deposits of associate
and sponsor scheduled commercial banks together shall not exceed 20% of total
deployment by the Mutual Fund in short term deposits.
iv. The Scheme shall not park more than 10% of their net assets in short term deposit(s) with
any one scheduled commercial bank including its subsidiaries.
v. The Trustee / AMC shall ensure that the funds of the Scheme are not parked in the short
term deposits of a bank which has invested in the Scheme.
vi. AMC will not charge any investment management and advisory fees for parking of funds
in short term deposits of scheduled commercial banks.
vii. The Trustee / AMC shall also ensure that the bank in which a scheme has short term
deposits do not invest in the scheme until the scheme has short term deposits with such
bank.

The above provisions do not apply to term deposits placed as margins for trading in cash and
derivative market

h. The scheme shall not make any investment in;

i. any unlisted security of an associate or group company of the sponsor; or

ii. any security issued by way of private placement by an associate or group company of the
sponsor; or

iii. the listed securities of group companies of the sponsor which is in excess of 25% of the net
assets in accordance with the SEBI circular no. SEBI/HO/IMD/IMD-PoD-2/P/CIR/2024/098 dated
July 8, 2024.

i. The scheme shall not make any investment in any Fund of Funds scheme.

j. The Scheme will not invest in securitized debt.

k. No loan would be made by the Scheme.

l. The Scheme shall not invest more than 10 per cent of its NAV in the equity shares or equity related
instruments of any company.

m. The scheme shall not invest more than 10% of its NAV in debt instruments comprising money market
instruments and non-money market instruments issued by a single issuer, which are rated not below
investment grade by a credit rating agency authorized to carry out such activity under the Act. Such
investment limit may be extended to 12% of the NAV of the scheme with the prior approval of the Board
27
of Trustees and the Board of directors of the Asset Management Company.

Provided that such limit shall not be applicable for investments in government securities, treasury bills
and Triparty Repo:

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

A mutual fund scheme shall not invest more than:

a. 10% of its NAV in debt and money market securities rated AAA; or
b. 8% of its NAV in debt and money market securities rated AA; or
c. 6% of its NAV in debt and money market securities rated A and below issued by a single issuer.

The above investment limits may be extended by up to 2% of the NAV of the scheme with prior approval
of the Board of Trustees and Board of Directors of the AMC, subject to compliance with the overall 12%
limit specified in clause 1 of Seventh Schedule of MF Regulation.

Considering the nature of the Scheme, investments in such instruments will be permitted up to 5% of its
NAV.

n. A mutual fund scheme shall not invest in unlisted debt instruments including commercial papers,
except Government Securities and other money market instruments.

Provided that Mutual Fund Schemes may invest in unlisted non-convertible debentures up to a maximum
of 10% of the debt portfolio of the scheme subject to such conditions as may be specified by the Board
from time to time

The mutual fund scheme shall comply with the norms under this clause within the time and in the manner
as may be specified by SEBI.
The investment in unrated debt and money market instruments shall be as per the norms specified by
SEBI from time to time.

Considering the nature of the Scheme, investments in such instruments will be permitted up to 5% of its
NAV.

o. All investments by a mutual fund scheme in equity shares and equity related instruments shall only be
made provided such securities are listed or to be listed.

p. A fund of funds scheme shall be subject to the following investment restrictions:

(a) A fund of funds scheme shall not invest in any other fund of funds scheme;
(b) A fund of funds scheme shall not invest its assets other than in schemes of mutual funds,
except to the extent of funds required for meeting the liquidity requirements for the purpose
of repurchases or redemptions, as disclosed in the offer document of fund of funds scheme.

Apart from the investment restrictions prescribed under SEBI (MF) Regulations, the fund follow internal
norms vis-à-vis limiting exposure to a particular scrip or sector, etc

C. Fundamental Attributes

Following are the fundamental Attributes of the scheme, in terms of in terms of Regulation 18 (15A)
read with Regulation 25 (26) of the SEBI (MF) Regulations and Clause 1.14 of SEBI Master Circular
for Mutual Funds dated June 27, 2024:

28
 (i) Type of a scheme
An open-ended fund of funds (FOF) scheme investing in units of actively managed debt oriented
schemes and actively managed Arbitrage mutual fund schemes.

Investment Objective -
The investment objective of the scheme shall be to generate regular income and capital
appreciation by investing in a mix of units of actively managed debt oriented schemes and actively
managed Arbitrage mutual fund schemes.

However, there is no assurance or guarantee that the investment objective of the Scheme would
be achieved.

• Main Objective - Growth.

• Investment pattern -
The indicative portfolio break-up with minimum and maximum asset allocation, while
retaining the option to alter the asset allocation for a short term period on defensive
considerations as mentioned in the section asset allocation refer Section A. HOW WILL
THE SCHEME ALLOCATE ITS ASSETS? above.

(ii) Terms of Issue

Sale of Units: Units would be offered for subscription on all business days at NAV related prices.

Liquidity: The scheme would provide repurchase facility to investors on an ongoing basis on all
business days

Aggregate fee and expenses: Would be restricted to the ceilings of recurring expenses stated in
Regulation 52(6) of the SEBI (Mutual Funds) Regulation. The fee and expenses proposed to be
charged by the scheme is detailed in Section Fee and Expenses.

• Any safety net or guarantee provided.

This Scheme does not provide any guaranteed or assured return to its Investors

In accordance with Regulation 18(15A) of the SEBI (MF) Regulations and Clause 1.14.1.4 of SEBI
Master Circular for Mutual Funds dated June 27, 2024 the Trustees shall ensure that no change in
the fundamental attributes of the Scheme(s) and the Plan(s) / Option(s) thereunder or the trust
or fee and expenses payable or any other change which would modify the Scheme(s) and the
Plan(s) / Option(s) thereunder and affect the interests of Unitholders is carried out unless:

i. A written communication about the proposed change is sent to each Unitholder and an
advertisement is given in one English daily newspaper having nationwide circulation as well as
in a newspaper published in the language of the region where the Head Office of the Mutual
Fund is situated; and
ii. The Unitholders are given an option for a period of atleast 30 calendar days to exit at the
prevailing Net Asset Value without any exit load.
iii. Comments from SEBI are taken before making changes in Fundamental Attributes of the
Scheme

D. Index methodology (for index funds, ETFs and FOFs having one underlying domestic ETF)-
29
 Disclosures regarding the index, index eligibility criteria, methodology, index service provider, index
constituents, impact cost of the constituents - Not Applicable

E. Principles of incentive structure for market makers (for ETFs) - Not Applicable

F. Floors and ceiling within a range of 5% of the intended allocation against each sub class of asset,
as per clause 13.6.2 of SEBI master circular for mutual funds dated June 27, 2024 (only for close
ended debt schemes) - Not Applicable

G. Other Scheme Specific Disclosures:

Listing and transfer of units The Scheme being open-ended, the Units are not proposed to
be listed on any stock exchange. However, the AMC may, at
its sole discretion, list the Units on one or more stock
exchanges at a later date.

Pursuant to paragraph 14.4.4 of SEBI Master Circular for

Mutual Funds dated June 27, 2024 the Units of the Scheme
can be freely transferred in demat form or in such form as may
be permitted under SEBI Regulations and guidelines, as
amended from time to time.
The above provisions in respect of deletion of names will not
be applicable in case of death of Unit Holder (in respect of joint
holdings) as this will be treated as transmission of Units and
not transfer.
The Units held in dematerialized form can be transferred and
transmitted in accordance with the provisions of SEBI
(Depositories and Participants) Regulations, 2008, as may be
amended from time to time. The delivery instructions for
transfer of Units will have to be lodged with the Depository
Participant in the prescribed form and transfer will be effected
in accordance with such rules/regulations as may be in force
governing transfer of securities in dematerialized form. The
Units held in demat mode can be pledged and hypothecated
as per the provisions of Depositories Act and Rules and
Regulations framed by Depositories.
Units in SOA may be transferred subject to prevailing
AMFI/SEBI guidelines from time to time

Dematerialization of units The Unit Holders are given an option to hold the units by way
of an Account Statement (Physical form) or in Dematerialized
(“Demat”) form. Mode of holding shall be clearly specified in
the Application Form.
Unit Holders opting to hold the Units in Demat form must
provide their Demat Account details in the specified section of
the Application Form. The Unit Holder intending to hold the
units in Demat form is required to have a beneficiary account
with the Depository Participant (DP) registered with
NSDL/CDSL and will be required to indicate in the Application
Form, the DP’s name, DP ID Number and the beneficiary
account number of the applicant with the DP. In case of Unit
Holders who do not provide their Demat Account details, an
Account Statement shall be sent to them.

30
 In case the Unit holder desires to hold Units in dematerialized
mode at a later date, he will be required to have a beneficiary
account with a Depository Participant of the NSDL/CDSL and
will have to submit the account statement alongwith the
prescribed request form to their depository participant for
conversion of Units into demat form.
Minimum Target amount Rs 10 crore
(This is the minimum amount
required to operate the scheme and
if this is not collected during the NFO
period, then all the investors would
be refunded the amount invested
without any return.)
Maximum Amount to be raised (if No upper limit.
any)
Dividend Po l ic y ( ID CW ) The Trustee reserves the right to declare Income Distribution
cum capital withdrawal (IDCW) under the IDCW option of the
Scheme depending on the net distributable surplus available
under the Scheme.
The procedure and manner of payment of IDCW shall be in
line with Chapter 11 of SEBI Master Circular for Mutual Funds
dated June 27, 2024 as amended from time to time.
Investors are requested to note that amounts can be
distributed out of investors capital (Equalization Reserve),
which is part of sale price of the unit that represents realized
gains.

Allotment Allotment will be made to all eligible applicants in the New

Fund Offer provided the applications are complete in all
respects and are in order and funds are realised. The
allotment will be completed within 5 business days after the
closure of New Fund Offer by sending allotment confirmation
by way of email and / or Short Messaging Service (SMS) (if
the mobile number is not registered under Do Not Call
Registry) specifying the number of units. The said allotment
confirmation will be sent to the investors / unit holders
registered email address and / or mobile number. The
allotment details shall get reflected in the Consolidated
Account Statement (CAS) sent by email / mail on or before
15th of the succeeding month. Application for issue of Units
will not be binding on the fund and may be rejected on
account of failure to fulfill the requirements as specified in the
application form.
Dispatch of Unit statements of account will be made as soon
as possible and in accordance with the SEBI Mutual Fund
Regulations.

Refund If application is rejected, full amount will be refunded within 5

business days from the closure of NFO. If refunded later than
5 business days, interest @ 15% p.a. for delay period will be
paid and charged to the AMC

31
Who can invest The following persons (subject, wherever relevant, to
This is an indicative list and investors Purchase of Units being permitted under constitution and
shall consult their financial advisor to relevant state regulations) are eligible to subscribe to Units
ascertain whether the scheme
is suitable to their risk profile. Prospective investors are advised to satisfy themselves that
they are not prohibited by any law governing such entity and
any Indian law from investing in the Scheme and are
authorized to purchase units of mutual funds as per their
respective constitutions, charter documents, corporate / other
authorisations and relevant statutory provisions. The following
is an indicative list of persons who are generally eligible and
may apply for subscription to the Units of the Scheme:

• Indian resident adult individuals, either singly or jointly (not

exceeding three);
• Minor through parent / lawful guardian; (please see the
note below)
• Companies, bodies corporate, public sector undertakings,
association of persons or bodies of individuals and
societies registered under the Societies Registration Act,
1860;
• Religious and Charitable Trusts, Wakfs or endowments of
private trusts (subject to receipt of necessary approvals as
required) and Private Trusts authorised to invest in mutual
fund schemes under their trust deeds;
• Partnership Firms constituted under the Partnership Act,
1932;
• A Hindu Undivided Family (HUF) through its Karta;
• Banks (including Co-operative Banks and Regional Rural
Banks) and Financial Institutions;
• Non-Resident Indians (NRIs) / Persons of Indian Origin
(PIO) on full repatriation basis or on non-repatriation basis
Prospective investors are advised to note that the SID / KIM
does not constitute distribution, an offer to buy or sell or
solicitation of an offer to buy or sell Units of the Fund in any
jurisdiction in which such distribution, sale or offer is not
authorized per applicable law. Any investor by making
investment in SBI Mutual Fund confirms that he is an eligible
investor to make such investment(s) and confirms that such
investment(s) has been made in accordance with applicable
law.
• Army, Air Force, Navy and other para-military funds and
eligible institutions;
• Scientific and Industrial Research Organisations;
• Provident / Pension / Gratuity and such other Funds as
and when permitted to invest;
• International Multilateral Agencies approved by the
Government of India / RBI; and
• The Trustee, AMC or Sponsor or their associates (if
eligible and permitted under prevailing laws).
• A Mutual Fund through its schemes, including Fund of
Funds schemes.
• Foreign Portfolio Investor registered with SEBI

Note: Following is the process for investments made in the

32
name of a Minor through a Guardian:

- Payment for investment by means of Cheque or any other

mode shall be accepted from the bank account of the
minor or parent or legal guardian of the minor, or from a
joint account of the minor with parent or legal guardian.
- Mutual Fund will send an intimation to Unit holders
advising the minor (on attaining majority) to submit an
application form along with prescribed documents to
change the status of the account from ‘minor’ to ‘major’.
- All transactions / standing instructions / systematic
transactions etc. will be suspended i.e. the Folio will be
frozen for operation by the guardian from the date of
beneficiary child completing 18 years of age, till the status
of the minor is changed to major. Upon the minor attaining
the status of major, the minor in whose name the
investment was made, shall be required to provide all the
KYC details, updated bank account details including
cancelled original cheque leaf of the new bank account.
No investments (lumpsum/SIP/ switch in/ STP in etc.) in
the scheme would be allowed once the minor attains
majority i.e. 18 years of age. until the status of the minor
is changed to major by submitting the requisite documents
Notes :

• Non Resident Indians and Persons of Indian Origin

residing abroad (NRIs) / Foreign Portfolio Investors (FPIs)
have been granted a general permission by Reserve Bank
of India [Schedule 5 of the Foreign Exchange
Management (Transfer or Issue of Security by a Person
Resident Outside India) Regulations, 2000 for investing in
/ redeeming units of the mutual funds subject to conditions
set out in the aforesaid regulations.
• In case of application under a Power of Attorney or by a
limited company or a corporate body or an eligible
institution or a registered society or a trust fund, the original
Power of Attorney or a certified true copy duly notarised or
the relevant resolution or authority to make the application
as the case may be, or duly notarised copy thereof,
alongwith a certified copy of the Memorandum and Articles
of Association and/or bye-laws and / or trust deed and / or
partnership deed and Certificate of Registration should be
submitted. The officials should sign the application under
their official designation. A list of specimen signatures of
the authorised officials, duly certified / attested should also
be attached to the Application Form. In case of a Trust /
Fund it shall submit a resolution from the Trustee(s)
authorizing such purchases.
Applications not complying with the above are liable to be
rejected.

• Returned cheques are liable not to be presented again for

collection, and the accompanying application forms are
liable to be rejected.

33
Who cannot invest It should be noted that the following entities cannot invest in
the scheme :

1. Any individual who is a Foreign National, except for Non –

Resident Indians and Persons of Indian Origin (who are not
residents of United States of America or Canada), provided
such Foreign National has procured all the relevant
regulatory approvals applicable and has complied with all
applicable laws, including but not limited to and pertaining
to anti money laundering, know your customer (KYC),
income tax, foreign exchange management (the Foreign
Exchange Management Act, 1999 and the Rules and
Regulations made thereunder) , in the sole discretion and
to the sole satisfaction of SBI Funds Management Limited.

SBI Funds Management Limited in its capacity as an asset

manager to the SBI Mutual Fund reserves the right to
amend/terminate this facility at any time, keeping in view
business/operational exigencies.
2. Overseas Corporate Bodies (OCBs) shall not be allowed
to invest in the Scheme. These would be firms and
societies which are held directly or indirectly but ultimately
to the extent of at least 60% by NRIs and trusts in which
at least 60% of the beneficial interest is similarly held
irrevocably by such persons (OCBs).

3. Residents of United States of America & Canada

AMC / Trustee reserves the right to include / exclude new /

existing categories of investors to invest in the Scheme from
time to time, subject to SEBI Regulations and other prevailing
statutory regulations, if any.

Subject to the Regulations, any application for Units may be

accepted or rejected in the sole and absolute discretion of the
Trustee. For example, the Trustee may reject any application
for the Purchase of Units if the application is invalid or
incomplete or if, in its opinion, increasing the size of any or all
of the Scheme's Unit capital is not in the general interest of the
Unit holders, or if the Trustee for any other reason does not
believe that it would be in the best interest of the Scheme or
its Unit holders to accept such an application.

The AMC / Trustee may need to obtain from the investor

verification of identity or such other details relating to a
subscription for Units as may be required under any
applicable law, which may result in delay in processing the
application. Applications not complete in any respect are
liable to be rejected.
How to Apply and other details Please refer to the SAI and Application form for the
instructions. However, investors are advised to fill up the
details of their bank account numbers on the application form
in the space provided which is mandatory. In order to protect
the interest of the Unit holders from fraudulent encashment of
cheques, SEBI has made it mandatory for investors in mutual

34
 funds to state their bank account numbers in their application
form / requests for redemption. It may be noted that, in case
of those unit holders, who hold units in demat form, the bank
mandate available with respective Depository Participant will
be treated as the valid bank mandate for the purpose of
payout at the time of maturity or at the time of any corporate
action.

SEBI has also made it mandatory for investors to mention

their Permanent Account Number (PAN) transacting in the
units of SBI Mutual Fund and their bank account numbers in
their applications/requests for redemption, irrespective of the
amount of transaction.

Please also note that the KYC is compulsory for making

investment in mutual funds schemes irrespective of the
amount, for details please refer to SAI.

Please note that Applications complete in all respects

together with necessary remittance may be submitted before
the closing of the offer at any SBIMF Official Point of
Acceptance, SBI MF Corporate Office or other such collecting
centers as may be designated by AMC. The application
amount in cheque shall be payable to “SBI Income Plus
Arbitrage Active FOF”. The Cheques should be payable at
the Centre where the application is lodged.

Investors are requested to note that application form is

available with Investor Service Centres(ISCs)/Official Points
of Acceptance (OPAs) of SBI Mutual Fund or can be
downloaded from our website https://www.sbimf.com/forms.
The list of the Investor Service Centres (ISCs)/Official Points
of Acceptance (OPAs) is also available on
https://www.sbimf.com/contact-us. No outstation cheques or
stock invests will be accepted.
The policy regarding reissue of Presently, the AMC does not intend to reissue the
repurchased units, including the repurchased/redeemed Units. The Trustee reserves the right to
maximum extent, the manner of reissue the repurchased Units at a later date after issuing
reissue, the entity (the scheme or adequate public notices and taking approvals, if any, from SEBI.
the AMC) involved in the same.
Restrictions, if any, on the right to
freely retain or dispose of units being The provisions in respect of deletion of names in the folio will not
offered. be applicable in case of death of Unit Holder (in respect of joint
holdings) as this will be treated as transmission of Units and not
transfer.

The Units held in dematerialized form can be transferred and

transmitted in accordance with the provisions of SEBI
(Depositories and Participants) Regulations, 2008, as may be
amended from time to time. The delivery instructions for
transfer of Units will have to be lodged with the Depository
Participant in the prescribed form and transfer will be effected
in accordance with such rules/regulations as may be in force
governing transfer of securities in dematerialized form. The
Units held in demat mode can be pledged and hypothecated

35
 as per the provisions of Depositories Act and Rules and
Regulations framed by Depositories.

As the units of the Scheme will be issued in demat (electronic)

form, the units will be transferred and transmitted in
accordance with the provisions of SEBI (Depositories and
Participants) Regulations, as may be amended from time to
time.

Right to Limit Fresh Subscription & Redemption

In case the size of the Scheme increases to a level which in
the opinion of the Trustees is not manageable, the Trustees
reserve the right to stop fresh subscription of units and also
redeem the units on pro-rata basis to investors in order to
reduce the size to a manageable level.

The Trustees reserves the right at its sole discretion to

withdraw/suspend the allotment/subscription of units in the
Scheme temporarily or indefinitely, if it is viewed that
increasing the size of the Scheme may prove detrimental to
the Unit holders of the Scheme. An order to purchase the Units
is not binding on and may be rejected by the AMC unless it
has been confirmed in writing by the AMC and payment has
been received for the same.

Right to limit Redemption

The Trustee, in the general interest of the Unit holders of the
Scheme and keeping in view of the unforeseen
circumstances/unusual market conditions, may limit the total
number of units, which can be redeemed on any Business Day
depending on the total ‘Saleable Underlying Stock’ available
with the Fund.

In accordance with para 1.12 of the Master Circular for Mutual

Funds dated June 27, 2024, the provisions of restriction on
redemption (including switch out) in Schemes of SBI Mutual
Fund are as under:

1. Restrictions may be imposed when there are circumstances

leading to a systemic crisis or event that severely constricts
the market liquidity or the efficient functioning of the market
such as:
2.
i. Liquidity Issues: When markets at large become illiquid
affecting almost all securities rather than any issuer specific
security.
ii.
iii. Market failures, exchange closure: When markets are
affected by unexpected events which impact functioning of
exchanges or the regular course of transactions. Such
unexpected events could also be related to political, economic,
military, monetary or other emergencies.
iv.

36
 v. Operational Issues: When exceptional circumstances are
caused by force majeure, unpredictable operational problems
and technical failures (e.g. a black out).

3. Restrictions on redemption may be imposed for a specified

period of time not exceeding 10 Business Days in any period
of 90 days.

4. When restrictions on redemption is imposed, the following

procedure will be applied:
i. No redemption requests upto Rs. 2 Lacs shall be subject to
such restriction.
ii. Where redemption requests are above Rs.2 lakh, AMC shall
redeem the first Rs.2 Lacs without such restrictions and
remaining part over and above Rs.2 Lacs shall be subject to
such restrictions.

Any restriction on Redemption of the units shall be made

applicable only after specific approval of the Board of Directors
of the Asset Management Company and Trustee Company.
The approval from the AMC Board and the Trustee giving
details of the circumstances and justification shall also be
informed to SEBI immediately.

Cut off timing for subscriptions/ 3:00 p.m.

redemptions/ switches

This is the time before which your

application (complete in all respects)
should reach the official points of
acceptance.
Minimum amount for Minimum amount for purchase Rs. 5000/- & in multiples of
purchase/redemption/switches Re.1/- thereof
(mention the provisions for ETFs, as
may be applicable, for direct Minimum amount for additional purchase - Rs. 1000/- & in
subscription/redemption with AMC. multiples of Re.1/-

Minimum amount for redemption: Rs.500/- or 1 Unit or account

balance, whichever is lower.

Switch In - Investments in the scheme from any other existing

scheme(s) of SBI Mutual Fund at applicable NAV.

Switch Out - Repurchase/Redemption from the scheme to any

other existing scheme(s) of SBI Mutual Fund at applicable
NAV.

Accounts Statements The AMC shall send an allotment confirmation specifying the
units allotted by way of email and/or SMS within 5 working
days of receipt of valid application/transaction to the Unit
holders registered e-mail address and/ or mobile number.
Pursuant to Regulation 36 of the SEBI Regulation, the
following shall be applicable with respect to account
statement:

37
 The asset management company shall ensure that
consolidated account statement for each calendar month is
issued, on or before fifteenth day of succeeding month,
detailing all the transactions and holding at the end of the
month including transaction charges paid to the distributor,
across all schemes of all mutual funds, to all the investors in
whose folios transaction has taken place during that month:
Provided that the asset management company shall ensure
that a consolidated account statement every half yearly
(September/ March) is issued, on or before twenty first day
of succeeding month, detailing holding at the end of the six
month and commission paid to the distributor, across all
schemes of all mutual funds, to all such investors in whose
folios no transaction has taken place during that period.

• Provided further that the asset management company

shall identify common investor across fund houses by
their permanent account number for the purposes of
sending consolidated account statement.

As the Units of the Scheme are in demat, the holding

statement issued by the Depository Participant would be
deemed to be adequate compliance with requirements of
SEBI regarding dispatch of statements of account.

In terms of SEBI Circular No. IR/MRD/DP/31/2014 dated

November 12, 2014 on Consolidated Account Statement,
investors having Demat account has an option to receive
consolidated account statement:

• Investors having MF investments and holding securities in

Demat account shall receive a single Consolidated Account
Statement (CAS) from the Depository.

• Consolidation of account statement shall be done on the

basis of Permanent Account Number (PAN). In case of
multiple holding, it shall be PAN of the first holder and pattern
of holding. The CAS shall be generated on a monthly basis.

• If there is any transaction in any of the Demat accounts of

the investor or in any of his mutual fund folios, depositories
shall send the CAS within fifteen days from the month end.
In case, there is no transaction in any of the mutual fund
folios and demat accounts then CAS with holding details
shall be sent to the investor on half yearly basis.

• In case an investor has multiple accounts across two

depositories, the depository with whom the account has been
opened earlier will be the default depository.
For further details, refer SAI.

Dividend/ IDCW The payment of IDCW to the unitholders shall be made within
seven working days from the record date.
The IDCW proceeds will be paid by way of NEFT / RTGS /
38
 Direct credits / any other electronic manner by directly
crediting the bank account linked to the demat account
depending on the mode of receipt of IDCW proceeds chosen
by the Unit holder.
Redemption Within 4 working days for electronic payout and within 6 working
days for cheque payout from the receipt of the redemption
request at the authorised centre of the SBI Mutual Fund.
Further, in exceptional situations additional timelines in line
with AMFI letter no. AMFI/35P/MEM -COR/74/2022-23 dated
January 16, 2023 will be applicable for transfer of redemption
or repurchase proceeds to the unitholders.
Bank Mandate As per the directives issued by SEBI it is mandatory for an
investor to declare his/her bank account number. To safeguard
the interest of Unitholders from loss or theft of their refund
orders/redemption cheques, investors are requested to
provide their bank details in the Application Form. The Bank
Account details as mentioned with the Depository should be
mentioned.

If depository account details furnished in the application form

are invalid or not confirmed in the depository system, the
application may be rejected.
Delay in payment of redemption / The Asset Management Company shall be liable to pay
repurchase proceeds/dividend interest to the unitholders at rate as specified vide clause 14.2
of SEBI Master Circular for Mutual Funds dated June 27,
2024 by SEBI for the period of such delay (presently @ 15%
per annum).
Unclaimed Redemption and Income In line with SEBI master circular dated June 27, 2024,
Distribution cum Capital Withdrawal unclaimed redemption and IDCW amounts are being deployed
Amount by the mutual funds in call money market or money market
instruments only and the investors who claim these amounts
during a period of three years from the due date shall be paid
at the prevailing Net Asset Value. After a period of three years,
this amount is being transferred to a pool account and the
investors can claim the amount at NAV prevailing at the end of
the third year. The income earned on such funds may be used
for the purpose of investor education. The AMC would make
continuous effort to remind the investors through letters to take
their unclaimed amounts. The investment management fee
charged by the AMC for managing unclaimed amounts shall
not exceed 50 basis points.

Further in accordance with SEBI master circular dated June

27, 2024, list of Investors in whose folios there are unclaimed
IDCW / redemption amount is disclosed on the website of SBI
MF (www.sbimf.com).

Disclosure w.r.t investment by minors Following is the process for investments made in the name of
a Minor through a Guardian:

- Payment for investment by means of Cheque or electronic

fund transfer shall be accepted from the bank account of

39
 the minor or parent or legal guardian of the minor, or from
a joint account of the minor with parent or legal guardian .
- Mutual Fund will send an intimation to Unit holders
advising the minor (on attaining majority) to submit an
application form along with prescribed documents to
change the status of the account from ‘minor’ to ‘major’.
- All transactions / standing instructions / systematic
transactions etc. will be suspended i.e. the Folio will be
frozen for operation by the guardian from the date of
beneficiary child completing 18 years of age, till the status
of the minor is changed to major. Upon the minor attaining
the status of major, the minor in whose name the
investment was made, shall be required to provide all the
KYC details, updated bank account details including
cancelled original cheque leaf of the new bank account.
- No investments in the scheme would be allowed once the
minor attains majority i.e. 18 years of age unless the tax
status is changed to individual by submitting requisite
documents.

Plans(s)/Options(s) The Scheme has two plans viz. Regular plan & Direct plan.

Direct Plan:

Direct Plan is only for investors who purchase /subscribe

Units in a Scheme directly with the Mutual Fund or through
Registered Investment Advisor (RIA) and is not available for
investors who route their investments through a Distributor.
All the features of the Direct Plan under Scheme like the
investment objective, asset allocation pattern, investment
strategy, risk factors, facilities offered, load structure etc. will
be the same except for a lower expense ratio as detailed in
Section - Annual Recurring Expenses of the SID.
Brokerage/Commission paid to distributors will not be paid /
charged under the Direct Plan. Both the plans shall have a
common portfolio.

Eligible investors: All categories of investors as permitted

under the Scheme Information Document of the Scheme are
eligible to subscribe under Direct Plan

Modes for applying: Investments under Direct Plan can be

made through various modes offered by the Mutual Fund for
investing directly with the Mutual Fund.

How to apply:
• Investors desirous of subscribing under Direct Plan of a
Scheme will have to ensure to indicate “Direct Plan” against
the Scheme name in the application form.

• Investors should also indicate “Direct” in the ARN column

of the application form.

40
Regular Plan:

This Plan is for investors who wish to route their investment

through any distributor.

In case of Regular and Direct plan the default plan under

following scenarios will be:

Sc Broker Code Plan Default

en mentioned mentioned Plan to be
ari by the by the captured
o investor investor
1 Not Not Direct Plan
mentioned mentioned
2 Not Direct Direct Plan
mentioned
3 Not Regular Direct Plan
mentioned
4 Mentioned Direct Direct Plan
5 Direct Not Direct Plan
Mentioned
6 Direct Regular Direct Plan
7 Mentioned Regular Regular
Plan
8 Mentioned Not Regular
Mentioned Plan

In cases of wrong/ invalid/ incomplete ARN codes mentioned

on the application form, the application shall be processed
under Direct Plan.

Both plans provide two options for investment – Growth

Option and Income Distribution cum capital withdrawal
(IDCW) Option. Under the IDCW option, facility for Payout of
Income Distribution cum capital withdrawal option (IDCW
Payout), Reinvestment of Income Distribution cum capital
withdrawal option (IDCW Re-investment) & Transfer of
Income Distribution cum capital withdrawal plan (IDCW
Transfer) is available. Between “Growth” or “IDCW ” option,
the default will be treated as “Growth”. In “IDCW” option
between “IDCW Payout” or “IDCW Reinvestment” or “IDCW
Transfer”, the default will be treated as “IDCW Reinvestment”.

Investor can select only one option either IDCW payout or

IDCW reinvestment in IDCW plan at a Scheme and folio
level. Any subsequent request for change in IDCW option
viz. IDCW Payout to IDCW Reinvestment or vice-versa would
be processed at the Folio / Scheme level and not at individual
transaction level. Accordingly, any change in IDCW option
(IDCW payout / IDCW reinvestment) will reflect for all the
units held under the scheme / folio.

Note - If the payable IDCW amount is less than or equal to

41
 Rs. 100/-, the same will be compulsorily reinvested in the
respective Scheme(s)/Plan(s)/Option(s) irrespective of the
IDCW facility selected by investor. If the IDCW amount
payable is greater than Rs. 100/- then it will be either
reinvested or paid as per the mandate selected by the
investor.
Special products during NFO The scheme offers following facilities during NFO:

(i) Systematic Investment Plan

For investors, the fund offers a Systematic Investment Plan

(SIP) at all our Official point of acceptance of SBI MF’s
locations. Under this Facility, an investor can invest a fixed
amount per frequency. This facility will help the investor to
average out their cost of investment over a period of six
months or one year and thus overcome the short-term
fluctuations in the market.

The Scheme offers Daily, weekly, Monthly, Quarterly, Semi-

Annual & Annual Systematic Investment Plan.

a) Terms and conditions for Daily SIP are as follows:

1. Minimum Investment Amount: INR 500 and multiples of

INR 1 thereafter. Minimum number of instalments would
be 12.

2. SIP Top up facility would not be available under this facility

3. Investors enrolling for Daily SIP should select “As & when
presented” as payment frequency in the OTM.

b) Terms & conditions for Monthly, Quarterly , Semi-

Annual and Annual Systematic investment plan are
as follows:
• Monthly – Minimum Rs. 1000 & in multiples of Re. 1
thereafter for minimum 6 months or Minimum Rs. 500 &
in multiples of Re. 1 thereafter for minimum 12 months
• Quarterly - Minimum Rs. 1500 & in multiples of Re. 1
thereafter for minimum 1 year
• Semi-annual and Annual Systematic Investment Plan -
Minimum amount of investment will be Rs. 3,000 and in
multiples of Re.1 thereafter for Semi-Annual SIP & Rs.
5,000 and in multiples of Re.1 thereafter in case of Annual
SIP. Minimum number of installments will be 4.

c) Weekly Systematic Investment Plan

The terms & conditions for the weekly SIP are as follows:

• Minimum amount for weekly SIP :

- Rs. 1000 and in multiples of Re.1 thereafter with minimum
number of 6 installments.
42
• Rs. 500 and in multiples of Re.1 thereafter with minimum
number of 12 installments
• Date based feature - Weekly SIP will be done on 1st, 8th,
15th & 22nd of the month
• In case the date of SIP falls on a Non-Business Day, then
the immediate following Business Day will be considered
for the purpose of transfer.
• In Day based feature, investors may select any Day of the
Week viz. Monday/ Tuesday/ Wednesday/ Thursday/
Friday on which Weekly SIP/STP/SWP instalment shall be
processed and in case any of these days is a non-
business day then the immediate next business day will
be considered for processing.
• In case investor selects Weekly frequency and also selects
both Day based and Date -based Weekly SIP, default will
be considered as ‘Day based Weekly SIP.
• In case investor selects Weekly frequency and does not
select Day based or Date -based Weekly SIP, default will
be considered as ‘Day based Weekly SIP.
• If investor selects Day based Weekly SIP but does not
mention ‘Day’ on which the Weekly SIP instalment to be
processed, then ‘Wednesday’ will be considered as the
default Day.
• In case start date is mentioned but end date is not
mentioned, the application will be registered for perpetual
period.

Default option between Daily, weekly, monthly, quarterly,

semi-annual and annual SIP will be Monthly.

The Trustees / AMC reserve the right to modify or discontinue

this facility at any time in future on prospective basis.

• Fixed-end Period SIP

Investors can opt for a SIP for a period of 3 years, 5 years, 10

years, and 15 years in addition to the existing end date &
perpetual SIP options.

Terms and conditions of Fixed-end period for SIP are as

follows:

• If the investor does not specify the end date of SIP, the
default period for the SIP will be considered as perpetual.
• If the investor does not specify the date of SIP, the default
date will be considered as 10th of every month.
• If the investor does not specify the frequency of SIP, the
default frequency will be considered as Monthly.

43
• If the investor does not specify the plan option, the default
option would be considered as Growth option.
• If investor specifies the end date and also the fixed end
period, the end date would be considered.

Top-up SIP Facility:

Top-up SIP is a facility whereby an investor has an option to

increase the SIP instalment by a fixed amount or based on a
fixed percentage at pre-defined intervals. This will enhance the
flexibility of the investor to invest higher amounts during the
tenure of the SIP.
Terms and conditions of Top-up SIP facility are as follows:
1. Investors can either opt for fixed amount SIP Top-up or
percentage SIP Top-Up option. In case investors selects
both the options, percentage based SIP Top-Up option
would be made applicable. In case the investor selects
multiple percentage SIP Top-up options under percentage
based SIP Top-Up option, the lower percentage would be
considered.
2. The minimum SIP Top-up amount under fixed amount SIP
Top-up is Rs. 500 and in multiples of Rs. 500. The
minimum Top-up percentage would be 5% of the SIP
amount and in multiples of 5% thereof.
3. If the Top-up % is not in multiples of 5, it will be rounded
down to nearest multiple of 5. The Top-up amount would
be rounded off to the nearest Rs. 10.
4. Percentage SIP Top-up would be computed on the
immediately preceding SIP instalment value as on the SIP
Top-Up trigger date.
5. The Top-up details cannot be modified once enrolled. In
order to make any changes, the investor must cancel the
existing SIP and enroll for a fresh SIP with Top-up option.
6. In case of Monthly SIP, Half-yearly as well as Yearly
frequency are available for Top-up. If the investor does not
specify the frequency, the default frequency for Top-up will
be considered as Half-yearly.
7. In case of Quarterly SIP, only the Yearly frequency is
available for Top-up.
8. Top up facility will not be applicable for SIP frequencies
other than Monthly & Quarterly. SIP Top-up facility will be
allowed in all schemes in which SIP facility is being
offered.
9. All other terms & conditions applicable for regular SIP will
also be applicable to Top-up SIP.
10. The AMC/Trustee reserves the right to terminate or modify
the conditions of the Facility at its discretion.

Top-up SIP Cap Facility:

44
 Under this option, post selecting SIP Top-up option, the
investor can define the maximum SIP Top-up Cap, beyond
which the SIP instalment will not increase in future. The
investor shall have the flexibility to choose either Top-Up SIP
Cap amount or Top-Up SIP Cap Month-Year. In case of
multiple selection, Top-Up SIP Cap amount will be considered
as default selection.

Terms and conditions of Top-up SIP Cap facility are as follows:

1. Top-up SIP Cap Amount: Investor has an option to fix the
Top-up SIP amount i.e. maximum SIP instalment including
Top-Up amount. The pre-defined amount should be equal
to or lesser than the maximum amount mentioned by the
investor in One Time Mandate Form (OTM). The
instalment amount after Top-up shall not exceed the
amount mentioned in OTM at any given time.
2. In case of difference between the Top-Up SIP Cap
Amount & OTM Debit Mandate, then amount which is
lower of the two shall be considered as the Top-up SIP
Cap amount.
3. If SIP amount (including SIP Top-up amount) reaches the
Top-up Cap before the end of SIP tenure, the SIP Top up
will cease and SIP instalment amount will remain constant
for remaining SIP Tenure.
4. Top-up SIP Cap Month-Year: It is the month from which
SIP Top-up amount will cease and last SIP instalment
including Top-Up amount will remain constant till the end
of SIP tenure.
5. If none of the above options is selected by the investor,
the SIP Top-up will continue as per the SIP end date
subject to the maximum amount mentioned in OTM Form.
6. The AMC/Trustee reserves the right to terminate or modify
the conditions of the Facility at its discretion.

Special products during ongoing The scheme offers following facilities during ongoing
basis basis:

(i) Systematic Investment Plan

For investors, the fund offers a Systematic Investment Plan

(SIP) at all our Official point of acceptance of SBI MF’s
locations. Under this Facility, an investor can invest a fixed
amount per frequency. This facility will help the investor to
average out their cost of investment over a period of six
months or one year and thus overcome the short-term
fluctuations in the market.

The Scheme offers Daily, weekly, Monthly, Quarterly, Semi-

Annual & Annual Systematic Investment Plan.

a) Terms and conditions for Daily SIP are as follows:

45
 1. Minimum Investment Amount: INR 500 and multiples of
INR 1 thereafter. Minimum number of instalments would
be 12.

2. SIP Top up facility would not be available under this facility

3. Investors enrolling for Daily SIP should select “As & when
presented” as payment frequency in the OTM.

b) Terms & conditions for Monthly, Quarterly , Semi-

Annual and Annual Systematic investment plan are
as follows:
• Monthly – Minimum Rs. 1000 & in multiples of Re. 1
thereafter for minimum 6 months or Minimum Rs. 500 &
in multiples of Re. 1 thereafter for minimum 12 months
• Quarterly - Minimum Rs. 1500 & in multiples of Re. 1
thereafter for minimum 1 year
• Semi-annual and Annual Systematic Investment Plan -
Minimum amount of investment will be Rs. 3,000 and in
multiples of Re.1 thereafter for Semi-Annual SIP & Rs.
5,000 and in multiples of Re.1 thereafter in case of Annual
SIP. Minimum number of installments will be 4.

c) Weekly Systematic Investment Plan

The terms & conditions for the weekly SIP are as follows:

• Minimum amount for weekly SIP :

- Rs. 1000 and in multiples of Re.1 thereafter with minimum
number of 6 installments.
• Rs. 500 and in multiples of Re.1 thereafter with minimum
number of 12 installments
• Date based feature - Weekly SIP will be done on 1st, 8th,
15th & 22nd of the month
• In case the date of SIP falls on a Non-Business Day, then
the immediate following Business Day will be considered
for the purpose of transfer.
• In Day based feature, investors may select any Day of the
Week viz. Monday/ Tuesday/ Wednesday/ Thursday/
Friday on which Weekly SIP/STP/SWP instalment shall be
processed and in case any of these days is a non-
business day then the immediate next business day will
be considered for processing.
• In case investor selects Weekly frequency and also selects
both Day based and Date -based Weekly SIP, default will
be considered as ‘Day based Weekly SIP.
• In case investor selects Weekly frequency and does not
select Day based or Date -based Weekly SIP, default will
be considered as ‘Day based Weekly SIP.

46
• If investor selects Day based Weekly SIP but does not
mention ‘Day’ on which the Weekly SIP instalment to be
processed, then ‘Wednesday’ will be considered as the
default Day.
• In case start date is mentioned but end date is not
mentioned, the application will be registered for perpetual
period.

Default option between Daily, weekly, monthly, quarterly,

semi-annual and annual SIP will be Monthly.

The Trustees / AMC reserve the right to modify or discontinue

this facility at any time in future on prospective basis.

d) Any Day SIP’ Facility

Under ‘Any Day SIP facility’, investor can register SIP for any
day for the frequencies i.e. Monthly, Quarterly, Semi-Annual
and Annual through electronic mode like OTM / Debit
Mandate. Accordingly, under ‘Any Day SIP facility’, investors
can select any date from 1st to 30th of a month as SIP date
(for February, the last business day would be considered if SIP
date selected is 29th & 30th of a month). Default SIP date will
be 10th. In case the SIP due date is a Non Business Day, then
the immediate following Business Day will be considered for
SIP processing.
The AMC provides SIP debit facility through NACH
participating banks and select direct debit banks

Completed application form, SIP debit mandate form and the

first cheque should be submitted at least 20 days before the
transaction date. Investors should mandatorily give a cheque
for the first transaction drawn on the same bank account.

The application form, mandate form along with the cancelled

cheque / photocopy of the cheque should be sent to Official
point of acceptance of SBI MF.

Existing investors are required to submit only the SIP Debit

mandate form indicating the existing folio number and the
investment details as in the SIP debit form along with the first
cheque and the Cancelled cheque / Photocopy of the cheque.

• Fixed-end Period SIP

Investors can opt for a SIP for a period of 3 years, 5 years, 10

years, and 15 years in addition to the existing end date &
perpetual SIP options.

Terms and conditions of Fixed-end period for SIP are as

follows:

47
• If the investor does not specify the end date of SIP, the
default period for the SIP will be considered as perpetual.
• If the investor does not specify the date of SIP, the default
date will be considered as 10th of every month.
• If the investor does not specify the frequency of SIP, the
default frequency will be considered as Monthly.
• If the investor does not specify the plan option, the default
option would be considered as Growth option.
• If investor specifies the end date and also the fixed end
period, the end date would be considered.

Top-up SIP Facility:

Top-up SIP is a facility whereby an investor has an option to

increase the SIP instalment by a fixed amount or based on a
fixed percentage at pre-defined intervals. This will enhance the
flexibility of the investor to invest higher amounts during the
tenure of the SIP.
Terms and conditions of Top-up SIP facility are as follows:
1. Investors can either opt for fixed amount SIP Top-up or
percentage SIP Top-Up option. In case investors selects
both the options, percentage based SIP Top-Up option
would be made applicable. In case the investor selects
multiple percentage SIP Top-up options under
percentage based SIP Top-Up option, the lower
percentage would be considered.
2. The minimum SIP Top-up amount under fixed amount SIP
Top-up is Rs. 500 and in multiples of Rs. 500. The
minimum Top-up percentage would be 5% of the SIP
amount and in multiples of 5% thereof.
3. If the Top-up % is not in multiples of 5, it will be rounded
down to nearest multiple of 5. The Top-up amount would
be rounded off to the nearest Rs. 10.
4. Percentage SIP Top-up would be computed on the
immediately preceding SIP instalment value as on the SIP
Top-Up trigger date.
5. The Top-up details cannot be modified once enrolled. In
order to make any changes, the investor must cancel the
existing SIP and enroll for a fresh SIP with Top-up option.
6. In case of Monthly SIP, Half-yearly as well as Yearly
frequency are available for Top-up. If the investor does not
specify the frequency, the default frequency for Top-up will
be considered as Half-yearly.
7. In case of Quarterly SIP, only the Yearly frequency is
available for Top-up.
8. Top up facility will not be applicable for SIP frequencies
other than Monthly & Quarterly. SIP Top-up facility will be
allowed in all schemes in which SIP facility is being
offered.

48
9. All other terms & conditions applicable for regular SIP will
also be applicable to Top-up SIP.
10. The AMC/Trustee reserves the right to terminate or modify
the conditions of the Facility at its discretion.

Top-up SIP Cap Facility:

Under this option, post selecting SIP Top-up option, the

investor can define the maximum SIP Top-up Cap, beyond
which the SIP instalment will not increase in future. The
investor shall have the flexibility to choose either Top-Up SIP
Cap amount or Top-Up SIP Cap Month-Year. In case of
multiple selection, Top-Up SIP Cap amount will be considered
as default selection.

Terms and conditions of Top-up SIP Cap facility are as follows:

1. Top-up SIP Cap Amount: Investor has an option to fix the
Top-up SIP amount i.e. maximum SIP instalment including
Top-Up amount. The pre-defined amount should be equal
to or lesser than the maximum amount mentioned by the
investor in One Time Mandate Form (OTM). The
instalment amount after Top-up shall not exceed the
amount mentioned in OTM at any given time.
2. In case of difference between the Top-Up SIP Cap
Amount & OTM Debit Mandate, then amount which is
lower of the two shall be considered as the Top-up SIP
Cap amount.
3. If SIP amount (including SIP Top-up amount) reaches the
Top-up Cap before the end of SIP tenure, the SIP Top up
will cease and SIP instalment amount will remain constant
for remaining SIP Tenure.
4. Top-up SIP Cap Month-Year: It is the month from which
SIP Top-up amount will cease and last SIP instalment
including Top-Up amount will remain constant till the end
of SIP tenure.
5. If none of the above options is selected by the investor,
the SIP Top-up will continue as per the SIP end date
subject to the maximum amount mentioned in OTM Form.
6. The AMC/Trustee reserves the right to terminate or modify
the conditions of the Facility at its discretion.

(ii) Systematic Withdrawal Plan

Under SWP, a minimum amount of Rs. 500/- can be withdrawn
every month or quarter or weekly or half yearly or on an annual
basis by indicating in the application form or by issuing
advance instructions to the Registrar at any time. Investors
may indicate the month and year from which SWP should
commence along with the frequency. SWP can be processed
on any day of the month in case of all the other frequencies
other than weekly SWP and 1st / 8th / 15th / 22nd of every
month in case of Weekly SWP (Date based feature) and
49
payment would be credited to the registered bank mandate
account of the investor through Direct Credit or cheques would
be issued. In case any of these days is a nonbusiness day
then the immediately next business day will be considered.

If no date is mentioned, 10th will be considered as the default

date.

In Day based feature, investors may select any Day of the

Week viz. Monday/ Tuesday/ Wednesday/ Thursday/ Friday
on which Weekly SWP instalment shall be processed and in
case any of these days is a non-business day then the
immediate next business day will be considered for
processing.

In case investor selects Weekly frequency and also selects

both Day based and Date -based Weekly SWP, default will be
considered as ‘Day based Weekly SWP’.

In case investor selects Weekly frequency and does not select

Day based or Date -based Weekly SWP, default will be
considered as ‘Day based Weekly SWP’.

If investor selects Day based Weekly SWP but does not

mention ‘Day’ on which the Weekly SWP instalment to be
processed, then ‘Wednesday’ will be considered as the default
Day.

If no frequency mentioned, ‘Monthly’ will be considered as the

default frequency. If ‘End date’ not mentioned, the same will
be considered as ‘Perpetual’.

SWP entails redemption of certain number of Magnums / Unit

that represents the amount withdrawn. Thus it will be treated
as capital gains for tax purposes. The complete application
form for enrolment / termination for SWP should be submitted,
at least 10 days prior to the desired commencement/
termination date.

Any Day SWP’ Facility - Investors are requested to note that

‘Any Day SWP facility’ is applicable for all the eligible open-
ended schemes of SBI Mutual Fund. Under ‘Any Day SWP
facility’, investor can register SWP for any day for the
frequencies i.e. Monthly, Quarterly, Semi-Annual and Annual.
Accordingly, under ‘Any Day SWP facility’, investors can select
any date from 1st to 30th of a month as SWP date (for
February, the last business day would be considered if SWP
date selected is 29th & 30th of a month). In case the SWP due
date is a Non Business Day, then the immediate following
Business Day will be considered for SWP processing. For
weekly frequency, SWP will continue to remain available only
on 1st / 8th / 15th / 22nd of every month

(iii) Systematic Transfer Plan

Systematic Transfer Plan is a combination of systematic

50
withdrawal from one scheme and systematic investment into
another scheme. Therefore the minimum amount of
withdrawals applicable under SWP would be applicable to
STP also. Similarly the minimum investments applicable for
each scheme under SIP would be applicable to STP. The
complete application form for enrolment / termination for STP
should be submitted, at least 7 days prior to the desired
commencement/ termination date. STP facility would allow
investors to transfer a predetermined amount or units from one
scheme of the Mutual Fund to the other. The transfer would be
effected on any business day as decided by the investor at the
time of opting for this facility. STP would be permitted for a
minimum period of six months between two schemes. The
transfer would be affected on the same date of every month
(or on the subsequent business day, if the date of first transfer
is a holiday) on which the first transfer was affected. STP can
be terminated by giving advance notice to the Registrars.

STP is available in all open-ended schemes as source and

target schemes (except Daily/Weekly IDCW Options of all
schemes as both source and target schemes) for STPs of all
available frequencies.

Terms and conditions of monthly & quarterly STP:

STP would be permitted for a minimum period of six months

between two schemes. The transfer would be affected on the
same date of every month (or on the subsequent business
day, if the date of transfer is a holiday) on which the first
transfer was affected. STP can be terminated by giving
advance notice of minimum 7 days to the Registrars. In
respect of STP transactions, an investor would now be
permitted to transfer any amount from the switchout scheme,
subject to:

Monthly – Minimum Rs. 1000 & in multiples of Re. 1 thereafter

for minimum 6 months or Minimum Rs. 500 & in multiples of
Re. 1 thereafter for minimum 12 months

Quarterly - Minimum Rs. 1500 & in multiples of Re. 1

thereafter for minimum 1 year

Where, SBI Long Term Equity Fund is the target scheme,

Minimum number of installments for monthly STP & quarterly
STP shall be 6.

STP can be done without any restriction on maintaining the

minimum balance requirement as stipulated for the switch out
scheme.

Terms and conditions of daily & weekly STP:

1. Under this facility, investor can transfer a predetermined

amount from one scheme (Source Scheme) to the other
scheme (Target Scheme) on daily basis / weekly basis.
2. Minimum amount of STP for SBI Long Term Equity Fund
51
 will be Rs. 500 & in multiples of Rs. 500 for both daily &
weekly STP and for other funds the minimum amount of
STP will be Rs. 500 & in multiple of Re. 1 for daily STP &
Rs. 1000 & in multiple of Re. 1 for weekly STP.
3. Minimum number of installments will be 12 for daily STP &
6 for weekly STP. Where SBI Long Term Equity Fund is
the target scheme, Minimum number of installments for
daily STP & for weekly STP shall be 6.
4. Weekly STP will be done on 1st, 8th, 15th & 22nd of every
month. In case any of these days is a non business day
then the immediate next business day will be considered.
5. The complete application form for enrolment / termination
for STP should be submitted, at least 7 days prior to the
desired commencement/ termination date.
6. Exit load shall be as is applicable in the target/source
schemes. 7. In Day based feature, investors may select
any Day of the Week viz. Monday/ Tuesday/ Wednesday/
Thursday/ Friday on which Weekly STP instalment shall
be processed and in case any of these days is a non-
business day then the immediate next business day will
be considered for processing.
8. In case investor selects Weekly frequency and also selects
both Day based and Date -based Weekly STP, default will
be considered as ‘Day based Weekly STP.
9. In case investor selects Weekly frequency and does not
select Day based or Date -based Weekly STP, default will
be considered as ‘Day based Weekly SIP/STP/SWP’.
10. If investor selects Day based Weekly STP but does not
mention ‘Day’ on which the Weekly STP instalment to be
processed, then ‘Wednesday’ will be considered as the
default Day.

Default frequency for STP is Monthly & default date for the
start of STP is 10th

• Flex Systematic Transfer Plan in all the open-ended

schemes of SBI Mutual Fund offering Systematic
Transfer Plan (STP) facility:

Flex Systematic Transfer Plan is a facility wherein an investor

under a designated open-ended Scheme can opt to transfer
variable amounts linked to the value of his investments on the
date of transfer at pre-determined intervals from designated
open-ended scheme (source scheme) to the Growth option of
another open-ended scheme (target scheme).

Terms and conditions of Flex STP are as follows:

• The amount to be transferred under Flex STP from source

scheme to target scheme shall be calculated using the
below formula:

Flex STP amount = [(fixed amount to be transferred

per installment x number of installments already
52
 executed, including the current installment) - market
value of the investments through Flex STP in the
Transferee Scheme on the date of transfer]
• The first Flex STP installment will be processed for the
fixed installment amount specified by the investor at the
time of enrolment. From the second Flex STP installment
onwards, the transfer amount shall be computed as per
formula stated above.

• Flex STP would be available for Weekly, Monthly and

Quarterly frequencies.
• Weekly Flex STP can be done on 1st / 8th / 15th / 22nd of
every month.
• Flex STP is available from “Daily / Weekly” IDCW plans of
the source schemes.
• Flex STP is available only in “Growth” option of the target
scheme.
• If there is any other financial transaction (purchase,
redemption or switch) processed in the target scheme
during the tenure of Flex STP, the Flex STP will be
processed as normal STP for the rest of the installments
for a fixed amount.

• A single Flex STP Enrolment Form can be filled for transfer

into one Scheme/Plan/Option only.

• In case the date of transfer falls on a Non-Business Day,

then the immediate following Business Day will be
considered for the purpose of determining the applicability
of NAV.

• In case the amount (as per the formula) to be transferred

is not available in the source scheme in the investor’s folio,
the residual amount will be transferred to the target
scheme and Flex STP will be closed.

• The complete application form for enrolment / termination

for Flex STP should be submitted, at least 10 days prior to
the desired commencement/ termination date.

• All other terms & conditions of Systematic Transfer Plan

are also applicable to Flex STP.

Swing STP

Swing STP is a facility wherein investor can opt to transfer an

amount at regular intervals from source scheme of SBI Mutual
Fund (SBIMF) to a target scheme of SBIMF including a feature
of reverse transfer from target scheme into the source
scheme, in order to achieve the targeted market value on each
transfer date in the target scheme. This ensures that the
market value on each date of the transfer rises by a specified
amount at every frequency irrespective of the market price. For
example if investor decides that the value of their investment
in the target scheme should appreciate by Rs. 1000 per month,
53
then each month investor will invest only to the extent of the
shortfall. If appreciation in the target scheme is higher than the
target value then this excess value is reverse transferred to
the source scheme. Thus the amount to be transferred will be
arrived at on the basis of the difference between the target
market value and the actual market value of the holdings in the
target scheme on the date of transfer.

Terms & conditions of Swing STP are as follows:

• Source scheme: All open ended schemes (Excluding SBI

Long Term Equity Fund and ETF schemes) of SBI Mutual
Fund.
• Target scheme: Growth option in all open ended schemes
(Excluding SBI Long Term Equity Fund and ETF
schemes) of SBI Mutual Fund.
• Frequency: Weekly, Monthly and Quarterly intervals. In
case the Frequency is not indicated, Monthly frequency
shall be treated as the Default Frequency.
• Dates: The dates of transfers/ default dates shall be as
under:

Frequency Dates of Transfers Default

Date
Weekly 1st, 8th, 15th & 22nd of -
Interval every month
Monthly 1st, 5th, 10th, 15th, 20th, 10th of
Interval 25th & 30th every
In case of February month
last working day)
Quarterly 1st, 5th, 10th, 15th, 20th, 10th of
Interval 25th & 30th (In case every
of February last quarter
working day) The
beginning of the
quarter could be
any month e.g.
January, May,
November, etc.
In case the date of transfer falls on a non-Business Day, the
immediate next Business day will be considered for the
purpose of determining the applicability of NAV and
processing the transaction.
• The minimum amount for the first installment shall be as
follows:
o Weekly & Monthly frequency: Rs. 1,000 and in multiples
of Re. 1
o Quarterly frequency: Rs. 3,000 and in multiples of Re. 1
• Minimum number of installments
o Weekly & Monthly frequency: 12
o Quarterly frequency: 4
• If there is any other financial transaction (purchase /
redemption / switch / SIP / DTP etc.) processed in the
target scheme/plan/option during the tenure of Swing

54
 STP, the Swing STP will be processed as normal STP for
the rest of the installments for the fixed amount.
• Amount of transfer: The first Swing STP installment will be
processed for the installment amount specified by the
investor at the time of enrollment. From the second Swing
STP installment onwards, the transfer amount will be
derived by the following formula:
(First installment amount X Number of installments including
the current installment) – Market Value of the investments
through Swing STP in the target scheme/plan/option on the
date of transfer.
In case on the STP date, the amount (as specified above) to
be transferred is not available in the source
scheme/plan/option in the investor’s folio, the residual amount
will be transferred to the target scheme/plan/option and Swing
STP will be closed. Investors have an option to consider earlier
investments in the target scheme for calculating Swing STP
amount.

• Reverse Transfer: On the date of transfer, if the market

value of the investments in the target scheme/plan/option
through Swing STP is higher than the target market value
(first installment amount X number of installments
including the current installment), then a reverse transfer
will be effected from the target scheme/plan/option to the
source scheme/plan/option to the extent of the difference
in the amount, in order to arrive at the target market value.
• Top-up option: Investor can choose Swing STP based on
fixed amount installment and additionally investor has an
option to choose top-up option. Under this, investor can
indicate an absolute amount or percentage (in annualized
terms) by which each installment amount will be
increased. Amount of transfer will be calculated by taking
into consideration of the target market value (including
top-up amount) and actual market value of the
investments in the target scheme.
o Amount of transfer: The first Swing STP installment will be
processed for the first installment amount specified by the
investor at the time of enrollment. From the second Swing
STP installment onwards, the transfer amount will be
derived by the following formula:
In case Top-up amount mentioned as absolute amount:
Target market value Minus Market Value of the investments
through Swing STP in the target scheme/plan/option on the
date of transfer.
Target market value = (Target market value at the time of last
installment + First installment amount + (Top-up absolute
amount X Number of installments excluding the current
installment)).
Minimum amount for Top-up (absolute amount):
• Weekly & Monthly frequency: Rs. 50 per installment and
in multiples of Re. 1
• Quarterly frequency: Rs. 100 per installment and in
multiples of Re. 1
55
In case Top-up amount mentioned in percentage:

Target Market Value less Market Value of the investments

through Swing STP in the target scheme on the date of
transfer.
Target Market Value = (Target market value at the time of last
installment + First installment amount + (Target value at the
time of last installment X Top-up percentage/ No. of periods))

No. of periods will be considered as below:

o For weekly frequency – 48
o For monthly frequency – 12
o For quarterly frequency – 4
Minimum percentage for Top-up (percentage option): 12% per
annum
• A single STP enrolment Form can be submitted for
transfer into one Scheme/Plan/Option only.
• The redemption/switch-out of units allotted in the target
scheme shall be processed on First In First Out (FIFO)
basis.
• The provision of ‘Minimum Redemption Amount’ as
specified in the Scheme Information Document of the
source scheme (target scheme in case of Reverse
Transfer) and ‘Minimum Purchase Amount’ specified in
the Scheme Information Document of the target scheme
(source scheme in case of Reverse Transfer) will not be
applicable for Swing STP.
• The application for enrollment / termination for Swing STP
should be submitted at least 10 days before the desired
commencement / termination date.
• In case the Start Date is not mentioned, the application will
be registered after expiry of 10 days from submission of
the application as per the default date i.e. 10th of each
month / quarter (or the immediately succeeding Business
Day). In case the End Date is not mentioned, the
application will be registered for perpetual period.
• Load structure prevalent in source & target schemes (for
reverse transfer) at the time of Swing STP registration will
be applicable during the tenure of the Swing STP.
• Swing STP will be automatically terminated if balance is
not available in the source scheme/plan/option on the date
of Swing STP installment processing.
• The Swing STP Facility is available only for units held in
Non - demat Mode in the source and target schemes.

The Trustees / AMC reserves the right to change / modify the

terms and conditions of the Swing STP or withdraw the
Swing STP facility at the later date.

Capital Appreciation Systematic Transfer Plan (CASTP):

56
Under this facility investors can transfer capital appreciation
from their invested scheme (source scheme) to another open-
ended scheme (target scheme). The salient features and
terms & conditions of CASTP are given below:

• Source scheme: This facility is available under Growth

option of all open ended schemes [except Equity Linked
Savings Scheme & Exchange Traded Funds (ETFs)] of
SBI Mutual Fund.
• Target scheme: All open ended schemes except ETFs
and daily IDCW options.
• Frequency: CASTP offers transfer facility at weekly (1 st.
8th, 15th & 22nd), monthly & quarterly intervals.
• Amount to be transferred: Capital appreciation, if any, will
be transferred to the target Scheme, subject to minimum
of Rs. 100 on any business day.
• Minimum number of installments:
• Weekly & monthly frequency – six installments
• Quarterly frequency - four installments.
• Capital appreciation, if any, will be calculated from the
enrolment date of the CASTP under the folio, till the first
transfer date. Subsequent capital appreciation, if any, will
be the capital appreciation between the previous CASTP
date (where CASTP has been processed and transferred)
and the current CASTP date.
• The application for enrolment / termination for CASTP
should be submitted, at least 10 days prior to the desired
commencement/ termination date.
• In case Start Date is mentioned but End Date is not
mentioned, the application will be registered for perpetual
period.
• In case End Date is mentioned but Start Date is not
mentioned, the application will be registered after the
expiry of 10 days from the submission of the application
for the date of the transfer mentioned in the application,
provided the minimum number of installments is met.
• Minimum investment requirement in the target scheme
and minimum redemption amount in the source scheme is
not be applicable for CASTP.
• Default options:
o Between Regular STP, Flex STP and CASTP –
Regular STP
o Between weekly, monthly & quarterly frequency –
Monthly frequency
o Default date for monthly and quarterly frequency –
10th
• Investor can register only one CASTP for transfer from a
source scheme.
• In case the date of transfer falls on a Non-Business Day,
then the immediate following Business Day will be
considered for the purpose of transfer.
• Exit load shall be as applicable in the target/source
schemes.
57
 The Trustees / AMC reserve the right to modify or discontinue
this facility at any time in future on prospective basis.

Switchover facility
Unit holders under the scheme will have the facility of
switchover between the two Options in the scheme at NAV.
Switchover between this scheme and other scheme of the
Mutual Fund would be at NAV related prices. Switchovers
would be at par with redemption from the outgoing
option/Plan/scheme and would attract the applicable tax
provisions and load at the time of switchover.

SIP Pause facility Under SIP pause facility, the investor shall have option to
discontinue their SIP temporarily for specific number of
instalments. The terms and conditions of SIP Pause facility
shall be as follows:

1. Investors can pause their SIP at any time by filling SIP

pause form and submitting the same at any branch of
SBIMF/CAMS. Pause request should be received 15 days
prior to the subsequent SIP date.
2. SIP Pause facility is available for SIP registration with
Weekly, Monthly, Quarterly, Semi-Annual, and Annual
frequency.
3. SIP shall restart immediately after the completion of Pause
period.
4. SIP Pause facility will allow investor to ‘Pause’ their
existing SIP during the tenure of SIP across all
frequencies for a period upto one year. The actual number
of instalments that will get paused will be as per the SIP
frequency.
5. Investors can avail this facility multiple times in the tenure
of the existing SIP.
6. SIP Pause facility will not be available for the SIPs
sourced/registered through MFU, Exchange & Channel
platforms as the mandate is registered by them.
7. If the SIP Pause period is coinciding with the Top-Up
facility, the SIP instalment amount post completion of
pause period would be inclusive of SIP Top-up amount.
For e.g. SIP instalment amount prior to Pause period is
Rs. 2,000/- and Top-up amount is Rs. 1,000/-. If the pause
period is completed after date of Top-up, then the SIP
instalment amount post completion of pause period shall
be Rs.3,000/-.
8. In case of multiple SIPs registered in a scheme, SIP Pause
facility will be made applicable only for those SIP
instalments whose SIP date, frequency, amount and
Scheme/Plan is specified in the form. Further for different
or multiple SIP mandate in the same scheme, separate
SIP Pause Forms are required to be submitted for each
SIP mandate.
9. The AMC reserves the right to terminate this facility or
modify the conditions of the SIP Pause facility at its
discretion.
10. In case of discrepancies in the information provided in the
SIP Pause Form and the details registered with the AMC,
58
 the details registered with the AMC shall be considered for
processing or in case of ambiguity in the SIP Pause Form,
the AMC reserves the right to reject the SIP Pause Form.
11. Investor cannot cancel the SIP Pause once registered.
SBI MULTI SELECT facility during NFO With a view to provide convenience and promote
& Ongoing basis diversification benefits to investor(s), SBI Mutual Fund
(SBIMF) has introduced a new facility i.e. SBI MULTI SELECT
through which an investor can invest in multiple schemes of
SBI Mutual Fund with a single cheque. Minimum subscription
amount in a scheme would be as per the Scheme Information
Document of the respective scheme. However, minimum total
investment in the facility shall be INR 20 thousand. The facility
is also available through Systematic Investment Plan (SIP).
Minimum investment amount in a Scheme would be as per the
existing details pertaining to monthly SIP as stated in Scheme
Information Document of the respective scheme(s) . Top-up
facility will not be available under this facility. All the terms and
conditions pertaining to SIP shall also be applicable to SIP
through SBI MULTI SELECT facility. Investors are requested
to visit www.sbimf.com for detailed terms & conditions of the
facility.

The Trustees / AMC reserve the right to modify or discontinue

this facility at any time in future.
MITRA SIP during NFO & Ongoing ‘MITRA SIP’ is a facility that allows investor to make initial
basis investment through Systematic Investment Plan (SIP) and
after completion of specific tenure switch the units to another
Scheme or continue to remain in the Same Scheme as per
the option selected by the investor and Systematic
Withdrawal through SWP from the target scheme.

Terms and Conditions for MITRA SIP

1. MITRA SIP facility is available under select schemes of
SBI Mutual Fund for a fixed SIP tenure of either 8
years, 10 years, 12 years, 15 years, 20 years, 25 years
or 30 years.
2. This facility is allowed under ‘Monthly’ frequency for
Growth option of the schemes mentioned in point 3
below.

3. Schemes eligible for SIP, Switch-in and SWP: The

target scheme can either be the Source Scheme (i.e.
SIP scheme) or any one of the pre-defined schemes
mentioned below.
Name of Schemes Name of Schemes
(for SIP) (for Switch and
SWP)
SBI ESG SBI Conservative
Exclusionary Hybrid Fund
Strategy Fund
SBI Large & Midcap SBI Multi Asset
Fund Allocation Fund
59
SBI Magnum Global SBI BlueChip Fund
Fund
SBI Equity Hybrid SBI Arbitrage
Fund Opportunities Fund
SBI Consumption SBI Short Term
Opportunities Fund Debt Fund
SBI Technology SBI Banking &
Opportunities Fund PSU Fund
SBI Healthcare SBI Equity Savings
Opportunities Fund Fund
SBI Contra Fund SBI Balanced
Advantage Fund
SBI Nifty Index Fund SBI Equity Hybrid
Fund
SBI Focused Equity
Fund
SBI Conservative
Hybrid Fund
SBI Magnum MidCap
Fund
SBI Magnum
COMMA Fund
SBI Flexicap Fund
SBI Multi Asset
Allocation Fund
SBI BlueChip Fund
SBI Infrastructure
Fund
SBI PSU Fund
SBI Small Cap Fund
SBI Banking &
Financial Services
Fund
SBI Equity Minimum
Variance Fund
SBI International
Access- US Equity
FoF
SBI Nifty Next 50
Index Fund
SBI Balanced
Advantage Fund
SBI Multicap Fund
SBI Nifty Midcap 150
Index Fund
SBI Nifty Smallcap
250 Index Fund
SBI Dividend Yield
Fund
SBI BSE Sensex
Index Fund
60
 SBI Nifty50 Equal
Weight Index Fund
SBI Energy
Opportunities Fund
SBI Automotive
Opportunities Fund
SBI Nifty 500 Index
Fund
SBI Nifty India
Consumption Index
Fund
SBI Nifty Bank Index
Fund
SBI Nifty IT Index
Fund
SBI Quant Fund

SBI BSE PSU Bank

Index Fund

4. Minimum installment amount under this facility for SIP

/ SWP would be the same as prescribed under monthly
frequencies in the respective Schemes. All other terms
and conditions pertaining to SIP and SWP shall be
applicable for MITRA SIP facility.

5. On completion of the SIP period (either 8 years, 10

years, 12 years, 15 years, 20 Years, 25 years or 30
Years as the case may be), the entire accumulated
clear unit balance shall be switched on T+15 calendar
days to a pre-defined target scheme (T is the last SIP
transaction date of the facility) or continue to remain in
the same scheme as per option selected by the
investor. In case the source and target scheme is
different, then switch out from the source scheme
would be subject to applicable exit load and taxes.

6. SWP will commence from the target scheme from next

month onwards on the same SIP instalment date. The
SWP transaction shall be subject to exit load and taxes,
as applicable.

7. Investor can opt for SWP instalment amount as per the

matrix below or specific amount to be mentioned,
provided that the amount mentioned by the investor is
less than or equal to amount mentioned as per the
matrix and shall be subject to minimum SWP amount
of the respective schemes.
61
SIP Tenure Monthly SWP Instalments
8 years 1X monthly SIP instalment
10 years 1.5X monthly SIP instalment
12 years 2X monthly SIP instalment
15 years 3X monthly SIP instalment
20 years 5X monthly SIP instalment
25 years 8X monthly SIP instalment
30 Years 12X monthly SIP instalment

8. For example, for 20 years SIP with instalment amount

of Rs 10,000, SWP amount must be less than or equal
to Rs 50,000 (i.e. 5 times of monthly SIP instalment). If
SWP amount mentioned in the application form is
greater than the applicable slab, then it shall lead to
rejection of the application. In case investor does not
fill in any SWP amount, the default amount shall be as
per the applicable slab given above.
9. In case no SIP tenure is selected, the default tenure
shall be 12 years. In case no SIP date is selected, the
default date shall be 10.
10. In case, no scheme is mentioned as target scheme for
SWP, the SWP shall be triggered from the existing
source SIP scheme itself.
11. In case, where SIP and Switch-In scheme is same, no
switch shall be initiated and SWP shall be triggered
from the source SIP scheme itself.
12. SWP Date will be same as the SIP date. The Start date
of SWP will be the month following the last SIP
instalment date and the SWP End Date will be
perpetual i.e. the SWP under this facility shall be
processed till units are available in the respective target
scheme. In case, the SWP trigger date is a non-
business day, the next business day shall be
considered as trigger date.
13. This facility shall get discontinued in the following
events:
i) On cancellation of SIP before the end of tenure, the
switch trigger and SWP will cease.
ii) In case, redemption / switch-out processed in
Source Scheme during the SIP tenure, the Switch
trigger and SWP will cease, however SIP shall
continue under the Source Scheme as normal SIP.
iii) In case redemption / switch-out is processed in
Source Scheme after the SIP tenure till the execution
of switch trigger, the switch trigger and the SWP will

62
 cease.
14. SIP Top-Up and SIP Pause is allowed under this
facility. However, SWP would get registered based on
the initial SIP instalment amount / slab mentioned in the
application form.
15. Under a single folio, an investor can have multiple
registrations under this facility. However, if investor
wishes to invest in multiple schemes, investor shall
have to submit separate MITRA SIP registration forms.
16. This facility will not be available under DEMAT mode
and for Minor investors.

BANDHAN - SWP for ongoing basis BANDHAN - SWP is intended to provide regular payout to the
children/spouse/parents/sibling (family members) of an
individual investor who have invested under the Growth option
of the Scheme

The details of this facility are as under:

• This facility will be available to investors with ‘’Individual‟
status on any of the existing SWP dates viz. 1st / 5th / 10th /
15th / 20th / 25th / 30th (last working day in case of February)
only at MONTHLY frequency .
• This facility will be available only under the Growth option for
both Regular and Direct plans
• This facility will work similar to Systematic Withdrawal Plan
(SWP), where the 1st unitholder can apply for the facility and
can opt for monthly payment to maximum 3 of his eligible
family members specifying the SWP date & amount. The
SWP request for this facility should be submitted at least 7
days prior to the first SWP date. If the SWP due date is a
nonbusiness day, then the same will be processed on the
next business day.
• The beneficiary should be resident individual and cannot be
an NRI.
• Unit holder/s are required to submit the following documents
on behalf of the beneficiary at the time of registration for
“BANDHAN- SWP” facility. These documents should be
attested by unitholder(s).
o Proof of relation such as Passport, PAN card, Birth
Certificate, SSC / Degree certificate, Marriage certificate
wherein the name of the specified family member is
mentioned with the relationship. This document should
clearly establish the relationship between the unit holder and
the beneficiary.
o Cancelled cheque of the Bank account OR Copy of Bank
Statement/Passbook of the beneficiary family member where
the name of the beneficiary and bank a/c no. is printed on it.
o Proof of ID and Address of the Beneficiary.
o In case KYC Acknowledgment or specific documents
mentioned as proof of ID and address are not available, then
the following documents can be submitted.

63
• Proof of Identity - Identity card with applicant’s photograph
issued by any of the following: Central/ State Government
Departments, Statutory/Regulatory Authorities, Public Sector
Undertakings, Scheduled Commercial Banks, Public
Financial Institutions, Colleges affiliated to Universities,
Professional Bodies such as ICAI, ICWAI, ICSI, Bar Council,
etc., to their Members; and Credit cards/Debit cards issued
by Banks.
• Proof of Address – Utility bill which is not more than two
months old of any service provider (electricity, telephone,
postpaid mobile phone, piped gas, water bill); Bank account
or Post Office savings bank account statement; Documents
issued by Government departments of foreign jurisdictions
and letter issued by Foreign Embassy or Mission in India;
Identity Card with applicant’s photograph and address issued
by any of the following: Central/ State Government
Departments, Statutory/Regulatory Authorities, Public Sector
Undertakings, Scheduled Commercial Banks, Public
Financial Institutions, Colleges affiliated to Universities,
Professional Bodies such as ICAI, ICWAI, ICSI, Bar Council,
etc., to their Members; and Credit cards/Debit cards issued
by Banks.
• The amount of SWP payout will be minimum of Rs.5000/- and
in multiples of Rs.1/- thereof. Minimum number of monthly
installments would be 12. If no specific amount is mentioned
by the unitholder, then the default specified amount will be
Rs.5000/- per month. If no SWP date is mentioned, then the
default date will be considered as “10th” and if no specific
period is mentioned, then the default period will be
considered as “perpetual”.
• Only maximum 3 SWP of a specified amount under the
“BANDHAN - SWP” facility per Folio/ Scheme shall be
accepted.
• Under “BANDHAN - SWP” facility, the beneficiary is restricted
to only 3 family member of the first unitholder i.e. child/ sibling
above 15 years of age or spouse or either of the parents. It is
clarified that the unitholder/s under the same Folio may opt to
enroll for normal SWP for self and SWP under “BANDHAN -
SWP” facility simultaneously.
• “BANDHAN - SWP” facility will discontinue on happening of
any OR all of the following events:
• Value of outstanding units in the investor Folio/Scheme
is nil/ insufficient
• On completion of SWP period
• On receipt of written communication of the death of the
1st unitholder or the registered beneficiary
• In the event of change of option under the scheme/s
• If the units are under pledge/STOP due to any reason
• The holding mode is changed from physical to
dematerialized holdings
• The investments/payouts under the said facility will be subject
to applicable exit load, tax & other provisions applicable to the
Scheme
• Unitholder has the option to discontinue the “BANDHAN-
SWP” facility anytime by submitting cancellation request to
64
 SBI Mutual Fund OR our R&T Agent CAMS at least 7 days
prior to the next SWP date
• All other remaining terms & conditions of normal SWP facility
shall also apply to “BANDHAN - SWP” facility.
• Any tax liability arising out of such payout under the Bandhan-
SWP facility to the registered beneficiary shall be the sole
liability of the investor.
• SBIMF reserves the right to seek any additional
information/document from the unitholder/s as it deems fit
and necessary from time to time, failing which, SBIMF
reserves the right to cancel the Bandhan-SWP facility.
• Separate Bandhan SWP form has to be filled to opt for
multiple beneficiaries from a single folio/scheme.

SMS (Short Messaging Service) The SMS Transactions facility “(m-Easy)” enables
Transactions facility “(m-Easy)” Unitholders to subscribe or redeem or switch Units of the
Scheme by sending instructions through m-Easy by sending
SMS from their registered mobile phone number on a
dedicated number i.e. 9210192101 in the below mentioned
format.

For Purchase, type: INV <AMOUNT> <SCHEME CODE>

For Redeem, type: RED <AMOUNT / ALL> <SCHEME CODE>
For Switch, type: SWT <AMOUNT / ALL> <FROM SCHEME
CODE> <TO SCHEME CODE>

Purchase transaction can be done in terms of ‘Amount’ only

whereas Redemption and Switch transaction can be done in
terms of ‘Amount” or “ALL” units. The minimum
purchase/redemption/switch amount in the respective
scheme/plan/option of SBI Mutual Fund will be applicable for
each transaction. Investors are requested to refer scheme
codes mentioned in the Registration Cum Debt Mandate form
for SMS transactions or visit our website www.sbimf.com.

Additional services which are available through the SMS

(Short Messaging Service) Transactions facility “(m-Easy)”:

1. Investors have an option to mention the default

scheme/plan/option for the folio in the SMS
Registration cum Debit Mandate form, which
enables investor(s) to send SMS without mentioning
the scheme code to transact in the default
scheme/plan/option.

2. In addition to Purchase, Redemption & Switch

transactions, investor can also register SIP though
m-easy facility with default SIP date, frequency &
period. Default SIP date, frequency & period will be
considered as 10th of every month with perpetual
option.

65
3. Investor(s), whose mobile number is / are registered
in the folio can also avail following additional
services by sending an SMS to the dedicated
number i.e. 9210192101. For availing this facility no
registration is required.:

(i) Portfolio valuation:

(ii) Details of last three processed transactions

(iii) latest NAV of scheme/plan

(iv) statement of account via e-mail (a valid e-

mail address should be registered in the folio
to avail this service)

Investors are requested to visit our website

www.sbimf.com for scheme/plan codes, terms &
conditions and SMS keywords.

Registration related Terms and Conditions:

a) The SMS transactions facility “(m-Easy)” (Facility) is

available only for KYC compliant Individual investors
(including guardians on behalf of minor) with ‘Single’
or ‘Anyone or Survivor’ holding.

b) In order to avail this Facility, the Unit holder(s) of SBI

Mutual Fund shall be required to provide all the
details as mentioned in the ‘Registration cum Debit
Mandate form’.

c) Currently, this Facility is available for purchase and

redemption (for amounts less than Rs 1 crore) and
can be modified/changed at the sole discretion of
SBI Mutual Fund without any prior notice of
whatsoever nature.

d) This Facility is available for purchase or redemption

transactions in terms of ‘Amount’ only and
transaction in terms of ‘units’ cannot be accepted.
The minimum purchase/redemption amount in the
respective plan / option of the respective scheme of
SBI Mutual Fund will be applicable for each
transaction.

e) Mobile Number Registration: Unit holder(s) of SBI

Mutual fund will have to register a mobile number
issued in India in their folio for availing this Facility.
The mobile number provided in the debit mandate
shall be updated / overwritten in the folio for which
the Facility is contemplated.

f) One Mobile Number and One Folio Combination:

This Facility is available with a condition that one
mobile number can be registered with one folio
66
 and/or one folio can be registered with one mobile
number only. In other words, Unit holder(s) cannot
register the same mobile number in more than one
folio to avail this Facility. However, it is clarified that
other folios may have same mobile number for
availing transaction alerts.

g) Unit holder(s) will also need to inform SBI Mutual

Fund or its Registrar and Transfer Agents viz. M/s.
Computer Age Management Service Ltd. (“RTA”)
about any change in their bank account number,
mobile number or email id by submitting a duly
signed written request.

h) Unit holder(s) further accept(s) that submission of an

application for availing this Facility does not
automatically imply acceptance of the same by SBI
Mutual Fund. SBI Mutual Fund reserves the right to
reject an application without assigning reason
thereto.

i) Under this Facility, the Unit holder(s) of SBI Mutual

Fund may choose to purchase or redeem by sending
an SMS.

j) Currently this Facility to transact via SMS is available

only for the scheme / plan and option as listed in the
Debit Mandate.

Transaction related to Terms and Conditions:

a) Unit holder(s) of SBI Mutual Fund can start transacting

using this Facility only after successful registration of
the Debit Mandate with their bankers and receipt of
confirmation letter/SMS/email from SBI Mutual Fund.

b) Applicable NAV for the transaction will be dependent

upon the time of receipt of the SMS into the server of
the RTA, electronically time-stamped and other
factors like scheme, type of transaction, amount, date
of realization of funds under SEBI regulations and will
be treated on par with similar transactions received
through other modes. For the purpose of this Facility,
such RTA office would be considered as an Official
Point of Acceptance of the transaction.

c) In case the mode of holding is ‘Anyone or Survivor’,

this facility is available to the first named holder only.

d) Unit holder(s) of SBI Mutual Fund agree/s and

acknowledge/s that any transaction, undertaken using
the registered mobile number shall be deemed to have
been initiated by the Unit holder(s).

67
e) If the transaction is delayed or not effected at all for
reasons of incomplete or incorrect information/key
word or due to non-receipt of the SMS message by the
RTA for any reason whatsoever or due to late receipt
of SMS due to mobile network congestions or due to
non-connectivity or any other reason beyond the
control of SBI Mutual Fund or its Registrars, the Unit
holder(s) will not hold SBI Mutual Fund and/or its
Registrars responsible for the same.

f) The request for purchase/redemption transaction

should be considered as completed only upon receipt
of the confirmation to that effect from RTA on the
registered mobile number or email id of the Unit
holder(s) of the Fund.

g) In case of receipt of multiple confirmations from the

RTA against a single transaction request, the same
needs to be brought to the immediate attention of SBI
Mutual Fund/RTA. Any transaction request on a non-
Business Day will be deemed to have been received
on the next Business Day in accordance with the
provisions provided in the Scheme Information
Document (‘SID’) of the schemes and/or Statement of
Additional Information (‘SAI’) and processed
accordingly.

h) The Unit holder(s) availing this Facility shall check his

/ her bank account records carefully and promptly and
if the Unit holder(s) believe(s) that there has been an
error in any transaction using the Facility or that an
unauthorized transaction has been effected, the Unit
holder(s) shall immediately notify SBI Mutual Fund /
RTA in writing or by e-mail.

i) Purchase transactions under this Facility will be

processed with the ARN code of the distributor
through whom the last transaction was processed in
the folio and consequently the amount invested may
stand reduced to the extent of transaction charges if
the distributor concerned has opted-in for the same.
Unit holder(s) are advised to check with their
distributors regarding the same before initiating
purchase transactions. Requests for change/altering
distributor code shall not be considered.

The AMC reserves the right to add or delete the name of the
Scheme(s)/plan(s)/option(s) under m-Easy facility at a later
date.

Bank Account registration for Debit towards Purchases:

a) Currently this Facility is available with certain banks

and their branches that participate in RBI facilities like

68
 ECS / NECS / RECS /NACH or where SBI Mutual
Fund may have a specific tie-up with banks. Please
note that the list of banks and branches may be
modified/ updated/ changed/ removed at any time in
future at the sole discretion of SBI Mutual Fund without
assigning any reasons or prior notice.

b) Unit holder(s) of SBI Mutual Fund will have to register

and specify a single bank mandate for purchases
through this Facility in Debit Mandate. The bank
account number mentioned in the Debit Mandate is
intended to be debited towards subscription only.
Please note that only the existing bank account details
registered in the folio shall be considered (by default)
for payment of redemption proceeds.

c) The responsibility of the bank account information

provided in the Debit Mandate or any other application
form for this Facility solely rests with the Unit holder(s)
and SBI Mutual Fund/RTA will not be responsible or
liable for any loss, claims, liability that may arise on
account of any incorrect and / or erroneous data /
information furnished by the Unit holder(s).

d) Unit holder(s) need to submit an original CANCELLED

cheque of the bank account which is being mandated
for this Facility, failing which registration may not be
processed.

e) Unit holder(s) acknowledge/s to make payments for

subscription of units from their respective bank
account(s) in compliance with applicable provisions
relating to third party payments detailed in the SID /
SAI and ensure that the payment will be through
legitimate sources only.

f) The Debit mandate signed by the Unit holder(s) will be

duly sent by SBI Mutual Fund/RTA/service providers
to the unitholders’ bank for registration under various
arrangements like Direct Debit or RBI ECS Facility.

g) It will be the sole responsibility of the unitholders’ bank

to ensure registration of the Debit Mandate and
confirm registration. If no confirmation of registration
or rejection is received within a reasonable time by SBI
Mutual Fund/RTA/service providers, the same shall be
deemed to have been registered and a confirmation to
that effect shall be sent to the unitholders.

h) The Unit holder(s) shall ensure availability of sufficient

funds in their respective bank account as specified in
the Debit Mandate, at the time of requesting a
transaction using this Facility and at the time of bank
account being debited.

69
 i) The bank account of the Unit holder may be debited
towards the purchase either on the same day of
transaction or within a period of one to seven business
days depending upon the clearing/ECS cycle for the
location concerned. However, in case of non-receipt
of funds, for whatsoever reasons, the transaction shall
stand cancelled/null and void and the units allotted, if
any would be reversed.

j) The Unit holder(s) agree that SBI Mutual

Fund/RTA/service providers shall not be held liable for
any unsuccessful registration and/or transaction due
to any action or inaction of the Unit holder(s) bank
including but not limited to reasons mentioned below
and agree to indemnify SBI Mutual Fund/RTA against
all liabilities, losses, damages and expenses which
they may consequently incur/sustain either directly or
indirectly:

i. Loss of the Debit Mandate in transit from SBI

Mutual Fund/RTA/service provider to point of
acceptance of the form to RTA head office and
further dispatch to the Unit holder(s)’ bank branch,
where such loss has not occasioned as a result of
a gross negligence or willful default on the part of
SBI Mutual Fund /RTA;

ii. Non-acceptance/non-registration or rejection of

Debit Mandate for whatsoever reason by the Unit
holder’s bank;

iii. Transaction/s not getting processed due to non-

confirmation of registration/rejection by the Unit
holder’s bank within a reasonable time;

iv. Rejection of transaction/s due to non-

registration/non-availability of funds or any other
reason/s whatsoever;

v. Any other such reason beyond the reasonable

control of SBI Mutual Fund/RTA/service provider.

This facility is available in the all Schemes / Plans of SBI

Mutual Fund under Regular Plan as well as Direct Plan.

Unit holder(s) are requested to note that SBI Mutual Fund

reserves the right to amend the terms and conditions, or
modify, or discontinue this Facility for existing as well as
prospective investors at anytime in future
Facilitating transactions through Stock In terms of paragraph 16.2.2 of SEBI Master Circular for
Exchange Mechanism Mutual Funds dated June 27, 2024, units of the Scheme can
be transacted through all the registered stock brokers of the
National Stock Exchange of India Limited and / or BSE
Limited who are also registered with AMFI and are
empanelled as distributors with SBI Mutual Fund.

70
 Accordingly, such stock brokers shall be eligible to be
considered as ‘official points of acceptance’ of SBI Mutual
Fund.

Further in line with paragraph 16.2.12 of SEBI Master Circular

for Mutual Funds dated June 27, 2024, it has been decided to
allow investors to directly access infrastructure of the
recognised stock exchanges to purchase mutual fund units
directly from Mutual Fund/ Asset Management Companies.
SEBI circular has advised recognised stock exchanges,
clearing corporations and depositories to make necessary
amendment to their existing byelaws, rules and/or
regulations, wherever required.

III. Other Details

A. In case of Fund of Funds Scheme, Details of Benchmark, Investment Objective,

Investment Strategy, TER, AUM, Year wise performance, Top 10 Holding/ link to Top
10 holding of the underlying fund should be provided

This is not applicable as this is a new scheme and the portfolio is yet to be constructed.

B. Periodic Disclosures such as Half yearly disclosures, half yearly results, annual
report

(i) Half Yearly disclosure of Un-Audited Financials:

Before expiry of one month from the close of each half year i.e. on March 31 or September
30, the Fund shall host a soft copy of half – yearly unaudited financial results on the website
of the Fund i.e. https://www.sbimf.com/annual-financial-reports and that of AMFI
www.amfiindia.com. A notice advertisement communicating the investors that the financial
results shall be hosted on the website shall be published in one national English daily
newspaper and in a newspaper in the language of the region where the Head Office of the
fund is situated.

(ii) Half Yearly disclosure of Scheme’s Portfolio:

In terms of 5.1.1 of SEBI circular dated June 27, 2024 on half year basis ( i.e March 31 and
September 30), the portfolio of the scheme shall be disclosed as under

1. The Fund shall disclose the scheme’s portfolio (alongwith the ISIN) in the prescribed format
as on the last day of the half year for all the Schemes of SBI Mutual Fund on its website i.e.
www.sbimf.com and on the AMFI’s website i.e. www.amfiindia.com within 10 days from the
close of the half-year.
2. A Statement of Scheme portfolio shall be emailed to those unitholders whose email
addresses are registered with the Fund within 10 days from the close of each half year.
3. The AMC shall publish an advertisement every half year, in the all India edition of at least
two daily newspapers, one each in English and Hindi; disclosing the hosting of the half yearly
schemes portfolio statement on its website viz. www.sbimf.com and on the website of AMFI
i.e. www.amfiindia.com and the modes through which a written request can be submitted by
the unitholder for obtaining a physical or electronic copy of the statement of scheme portfolio.

71
4. The AMC shall provide physical copy of the statement of scheme portfolio, without charging
any cost, on receipt of a specific request from the unitholder.

(iii) Monthly Disclosure of Schemes’ Portfolio Statement

The fund shall disclose the scheme’s portfolio in the prescribed format along with the ISIN
as on the last day of the month for all the Schemes of SBI Mutual Fund on its website
www.sbimf.com and on the AMFI’s website i.e. www.amfiindia.com within 10 days from
the close of the month. Further, the Statement of Scheme portfolio shall be emailed to
those unitholders whose email addresses are registered with the Fund within the above
prescribed timeline. Further, the AMC shall provide physical copy of the statement of
scheme portfolio, without charging any cost, on receipt of a specific request from the
unitholder.

(iv) Annual Report:

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

1. The Scheme wise annual report / abridged summary thereof shall be hosted on website
of the Fund i.e., https://www.sbimf.com/annual-financial-reports and on the website of
AMFI i.e. www.amfiindia.com. The physical copy of the scheme-wise annual report or
abridged summary shall be made available to the unitholders at the registered office of
SBI Mutual Fund at all times.

2. The scheme annual report or an abridged summary thereof shall be emailed to those
unitholders whose email addresses are registered with the Fund.

3. The AMC shall publish an advertisement on annual basis, in the all India edition of at
least two daily newspapers, one each in English and Hindi; disclosing the hosting of the
scheme wise annual report on its website viz. www.sbimf.com and on the website of
AMFI i.e. www.amfiindia.com and the modes through which a written request can be
submitted by the unitholder for obtaining a physical or electronic copy of the scheme-
wise annual report or abridged summary.

4. The AMC shall provide physical copy of the abridged summary of the Annual report,
without charging any cost, on receipt of a specific request from the unitholder.

(v) Product Labelling

The Risk-o-meter shall have following six levels of risk:

i. Low Risk
ii. Low to Moderate Risk
iii. Moderate Risk
iv. Moderately High Risk
v. High Risk and
vi. Very High Risk

The evaluation of risk levels of a Scheme shall be done in accordance with Paragraph 17.4 of
SEBI Master Circular for mutual funds dated June 27, 2024 as amended from time to time.

Any change in risk-o-meter shall be communicated by way of Notice cum Addendum and by way
of an e-mail or SMS to unitholders. The risk-o-meter shall be evaluated on a monthly basis and
the risk-o-meter alongwith portfolio disclosure shall be disclosed on the www.sbimf.com as well

72
 as AMFI website within 10 days from the close of each month. The risk level of the Scheme as
on March 31 of every year, along with number of times the risk level has changed over the year
shall be disclosed on www.sbimf.com and AMFI website. Risk-o-meter details shall also be
disclosed in scheme wise Annual Reports and Abridged summary.

(vi) Scheme Summary Document

The AMC has provided on its website a standalone scheme document for all the Schemes which
contains all the details viz. Scheme features, Fund Manager details, investment details,
investment objective, expense ratios, portfolio details, etc.

Scheme Summary Documents shall be disclosed on www.sbimf.com, www.amfiindia.com and

stock exchange website in 3 data formats i.e. PDF, Spreadsheet and a machine readable format
(either JSON or XML). on a monthly basis or whenever there is changes in any of the specified
field, whichever is earlier.

(vii) Benchmark Riskometer

Pursuant to extant SEBI regulations, AMCs shall disclose the following in all disclosures in which
the unit holders are invested as on the date , including promotional material or that stipulated by
SEBI:
a. risk-o-meter of the scheme wherever the performance of the scheme is disclosed
b. risk-o-meter of the scheme and benchmark wherever the performance of the scheme vis-à-vis
that of the benchmark is disclosed.

Further, the portfolio disclosure in terms of para 5.17 of SEBI Master Circular for Mutual Funds
dated June 27, 2024 on ‘Go Green Initiative in Mutual Funds’ shall also include the scheme risk-
o-meter, name of benchmark and risk-o-meter of benchmark.

C. Transparency/NAV Disclosure

The AMC will calculate and disclose the first Net Asset Value not later than 5 business days
from the date of allotment. Subsequently, the NAV will be calculated and disclosed at the close
of every Business Day. NAV will be calculated and disclosed in the manner as may be specified
under SEBI (Mutual Funds) Regulations, 1996. NAV can also be viewed on www.sbimf.com and
www.amfiindia.com.

The AMC shall update the NAVs on the website of Association of Mutual Funds in India - AMFI
(www.amfiindia.com) by 10.00 a.m on the following business day. Further, the Mutual Fund shall
send the latest available NAVs to unitholders through SMS, upon receiving a specific request in
this regard.

Further, as per SEBI Regulations, the repurchase price shall not be lower than 95% of the NAV

D. Transaction charges and stamp duty-

Transaction charges – No transaction charges will be charged. Hence, not applicable

Stamp duty - Pursuant to Notification issued by Department of Revenue, Ministry of Finance,

Government of India, a stamp duty of 0.005% would be levied on applicable mutual fund
transactions. Accordingly, pursuant to levy of stamp duty, the number of units allotted on applicable
transactions (Purchase, Switch-in, IDCW Reinvestment & Systematic transactions viz. SIP / STP-
in etc.) to the unit holders would be reduced to that extent.

73
 Please refer SAI for details.

E. Associate Transactions-

Please refer to Statement of Additional Information (SAI).

F. Taxation

For details on taxation please refer to the clause on Taxation in the SAI apart from the
following:

Resident Mutual
Tax Non-Resident Investors
Investors Fund
Taxable at normal
Tax on Income Distribution tax rates
20% 3 5 Nil 1
under IDCW Option 2 applicable to
investor 3 5
Capital Gains
a) Short Term Capital Gains Normal tax rates Normal tax rates applicable to
on investments in Specified applicable to investor 3 5
Mutual Funds 4 investor 3
(irrespective of period of
holding)

b) Short Term Capital Gains Normal tax rates Normal tax rates applicable to
on Non-Equity Funds (other applicable to investor 3 5 Nil 1
than Specified Mutual investor 3
Funds) 4
(period of holding:
Listed – up to 12 months,
Unlisted – up to 24 months)
12.50% 3 FII: 12.50% 3 5 (without
c) Long Term Capital Gains (without indexation indexation and foreign exchange
on Non-Equity Funds (other benefit) fluctuation benefit)
than Specified Mutual
Funds) 4 Non-Residents (other than FII):
(period of holding: 12.50% 3 5 (without indexation
Listed – up to 12 months, and foreign exchange fluctuation
Unlisted – up to 24 months) benefit)

1. SBI Mutual Fund is registered with Securities and Exchange Board of India (SEBI) and is as such
eligible for benefits u/s. 10(23D) of the Income-tax Act, 1961. Accordingly, the entire income of SBI
Mutual Fund is exempt from income-tax. SBI Mutual Fund will receive all its income without deduction
of tax at source as per provisions of Section 196 of the said Act.

2. With effect from April 1, 2020, income distributed by a mutual fund in respect of units of mutual funds is
taxable in the hands of the unitholders at normal tax rates (plus applicable surcharge and cess).

3. Basic Tax shall be increased by surcharge as per applicable rate and Health & Education Cess at the
rate of 4% on aggregate of basic tax & surcharge.

4. Non-Equity Funds are those funds wherein equity exposure is less than 65% of total proceeds of such
fund.

74
 As per Section 50AA of the Income-tax Act, 1961, investments in Specified Mutual Funds on or after
April 1, 2023 shall be deemed to be short term capital assets irrespective of holding period.
(i) Up to 31st March 2025, a “Specified Mutual Fund” means a Mutual Fund by whatever name called,
where not more than 35% of its total proceeds is invested in the equity shares of domestic companies.
The percentage of equity shareholding held in respect of the Specified Mutual Fund shall be computed
with reference to the annual average of the daily closing figures. It is possible that an “equity-oriented
fund” which invests in units of another equity fund instead of investing directly in equity shares of
domestic company may be regarded as “specified mutual fund” and taxed accordingly.
(ii) From 1st April 2025 onwards, a “Specified Mutual Fund” means: (a) a Mutual Fund by whatever
name called, which invests more than 65% of its total proceeds in debt and money market instruments;
or (b) a fund which invests 65% or more of its total proceeds in units of a fund referred to in (a). The
percentage of investment in debt and money market instruments or in units of a fund, as the case may
be, in respect of the Specified Mutual Fund, shall be computed with reference to the annual average of
the daily closing figures.

5. The Mutual Fund will pay/deduct taxes as per the applicable tax laws on the relevant date considering
the provisions of the Income-tax Act, 1961 read with the Income-tax Rules, 1962 and any circulars or
notifications or directives or instructions issued thereunder. Please note that grant of DTAA benefit, if
any, is subject to fulfilment of stipulated conditions under the provisions of the Income-tax Act, 1961
and the relevant DTAA as well as interpretation of relevant Article of such DTAA.

In case of Resident Investors: TDS is applicable at the rate of 10% on income distributed in excess of
Rs.10,000 by a mutual fund.

In case of Non-Resident Investors: TDS is applicable on any income in respect of units of a Mutual
Fund at lower of 20% (plus applicable surcharge and cess) or rate of income-tax provided in the relevant
DTAA (read with CBDT Circular no. 3/2022 dated 3rd February 2022), provided such investor furnishes
valid Tax Residency Certificate (TRC) for concerned FY. Tax will be deducted on Short-term/Long-term
capital gains at the tax rates (plus applicable Surcharge and Health and Education Cess) specified in
the Finance Act 2025 at the time of redemption of units in case of Non-Resident investors (other than
FIIs) only.

TDS at higher rates: In case PAN is not furnished or PAN is inoperative, then TDS as per Section 206AA
of the Income-tax Act, 1961 would apply (higher of specified rate or rates in force or 20%), subject to
Rule 37BC of the Income-tax Rules, 1962.

The above income-tax/TDS rates are in accordance with the provisions of the Income-tax Act, 1961 as
amended by Finance Act 2025. The above rates are based on the assumption that the mutual fund
units are held by the investors as capital assets and not as stock in trade.

Investors are requested to note that the tax position prevailing at the time of investment may change in
future due to statutory amendment(s). The Mutual Fund will pay/deduct taxes as per the applicable tax
laws on the relevant date considering the provisions of the Income-tax Act, 1961. Additional tax liability,
if any, imposed on investors due to such changes in the tax structure, shall be borne solely by the
investors and not by the AMC or Trustee.

The above information is provided for only general information purposes and does not constitute tax or
legal advice. In view of the individual nature of tax benefits, each investor is advised to consult with his/
her tax consultant with respect to the specific direct tax implications arising out of their transactions.

75
G. Rights of Unitholders-

Please refer to SAI for details.

H. List of official points of acceptance: Please refer to our website

https://www.sbimf.com/contact-us for list of Official Points of Acceptance of
SBIMF.

I. Penalties, Pending Litigation or Proceedings, Findings of Inspections or Investigations For

Which Action May Have Been Taken Or Is In The Process Of Being Taken By Any
Regulatory Authority.

Please refer to our website https://www.sbimf.com/offer-document-sid-kim for details.

Notwithstanding anything contained in this Scheme Information Document, the provisions

of the SEBI (Mutual Funds) Regulations, 1996 and the guidelines there under shall be
applicable.

Date of Approval of the scheme by SBI Mutual Fund Trustee Company Private Limited on February
27, 2025. The Trustees have ensured that SBI Income Plus Arbitrage Active FOF approved by
them is a new product offered by SBI Mutual Fund and is not a minor modification of the existing
scheme/fund/product

For and on behalf of the Board of Directors,

SBI Funds Management Limited

Sd/-

Place: Mumbai Name : Nand Kishore

Date: April 17, 2025 Designation : Managing Director & CEO

76
SBI FUNDS MANAGEMENT LTD - BRANCHES

AHMEDABAD: SBI Funds Management Ltd, 5 & 6 Ground Floor, Majestic, Panchvati Law Garden
Road, Opposite Law Garden BRTS Bus Stand, Near Panchvati Circle, Ahmedabad – 380
006,Gujarat. Phone No: 079 – 26423060/70 Email ID: [email protected]. , Silvercrest
Ramkrushna Building, Ground Floor, Shop A1/2, Opposite Deputy Collector Bungalow, Below
Shreedeep Hospital, Station Road, Ahmednagar - 414001. Phone no: 0241-2354555 Email id:
[email protected] AGARTALA: SBI Funds Management Limited Shri Maa Mansion,
3rd Floor, Colonel Mahim Thakur Sarani, Above SBI PBB Branch, Agartala -799001,Tripura.Email
Id: [email protected] Phone No: 0381-2324107. Agra: SBI Funds Management Ltd,
101,Prateek Tower, Opposite MD Jain College, Sanjay Place, Agra-282002, Uttar Pradesh, Tel :
(0562) 2850239/37, Email Id: [email protected] AJMER: SBI Funds Management Ltd, C/O SBI
Special Branch, Ajmer - 305001, Tel: (0145)2426284. AKOLA: SBI Funds Management . Ltd.
Yamuna Tarang Complex, First Floor - Shop No 16,17,18 and 19, Murtijapur, Opposite Gadpal
Hospital, Akola – 444001, Maharashtra. Phone no: 8956868990 Email: [email protected]
ALAPPUZHA: SBI Funds Management Limited, Niza Centre, New General Hospital Junction,
Stadium Ward, Beach Road, Alappuzha – 688001, Kerala ALIBAG:SBI Funds Management
Limited, Shop no.4, Ground Floor, Horizon Building, Shribag no.3, Alibag, Raigad –402201,
Maharashtra. Phone No: 02141225555 Email Id: [email protected] ALIGARH : SBI Funds
Management Ltd, State Bank of India, Main Branch, Aligarh – 202001, Uttar Pradesh, ALWAR :
SBI Funds Management Ltd, Ground Floor, Soni Tower, Road No - 2, Alwar - 301001 Email Id:
[email protected] Phone No: 0144-2332035 AMBALA : SBI Funds Management Limited
Punjabi Mohalla, Cross Road No. 2, Near Central Bank of India Ambala Cantt – 133001, Haryana.
Phone No: - 0171-4503971/2653400 Email id: [email protected] AMRAVATI : SBI Funds
Management Ltd, 1st Floor, Malviya Complex, Malviya Chowk, Opposite YES Bank, Amravati -
444601. Email id : [email protected] Phone No : 0721-2560291 AMRITSAR: SBI Funds
Management Ltd, C/O State Bank of India, SCO-57, Ground Floor, B Block, Ranjit Avenue,
District Shopping Centre, Amritsar – 143001, Punjab., Tel: 0183-2221755 / 0183 – 5158415, Email
id: [email protected]. ANANTAPUR: 10-515-1,2nd Floor, Opposite Upadhya Bhavan,Gildoff
Service School Road,Anantapur-515001,Andhra Pradesh. Phone no: 08554294489,.ANAND :
SBI Funds Management Ltd, 102, 10 & 11, First Floor, Chitrangana Complex, Anand Vidhyanagar
Road,Anand Gujarat Tel: (02692)- 246210. ANANDNAGAR: SBI Funds Management Ltd ,
Ground Floor, Unit No. 12,Safal Pegasus, Opposite Venus Atlantis, Near Shell Pertol Pump,
Behind Mcdonalds, Prahladnagar, Satellite, Ahmedabad – 380015 Phone No: 9925660299,
Email Id : [email protected] ANNA NAGAR: SBI Funds Management Ltd, Ground Floor,
Intec Castle, No-12, F Block, 2nd Main Road, Anna Nagar East, Chennai – 600 102. Phone no:
044 48626775, ANDHERI : SBI Funds Management Ltd, Office No.402, Beeta CHSL, 4th Floor,
DLH Plaza, 54-A Road, S.V. Road, Andheri (West), Mumbai 400058,Phone no: 022
– 26200221/ 231 Email ID: [email protected] ANGUL: SBI Funds Management Ltd,
Amlapada, Lane-6, Above State Bank of India, Personal Banking Branch, Angul, Odisha - 759122
Phone no: 06764-234201 Email id: [email protected] ARAMBAGH: Mukherjee Building,
First Floor, Beside MP Jewelers, Next to Mannapuram Ward No 5 Link Road, Arambagh, Hoogly-
712601,West Bengal Phone No 07548048948. Email Id: [email protected] ASANSOL
:SBI Funds Management Ltd, 3 RD Floor, Block A, P. C. Chatterjee Market, Rambandhu Tala, G.T.
Road. Asansol – 713303, West Bengal, Tel no. 629497006, Email id: [email protected].
AURANGABAD: SBI Funds Management Ltd, 1st Floor Viraj Complex, Opp; Big Cinema, Above
SBI ATM, Khadkeshwar, Aurangabad-431001, Tel: 0240-3244781.AURANGABAD: Plot No.138,
Ground Floor, Cyber mall, Samarth Nagar, Aurangabad, Maharashtra-431005, Phone No.0240
2341460/0240 2351460, Email Id:[email protected]. AYODHYA : SBI Funds
Management Ltd, 1/13/328 Station Road, Pushpraj Chouraha Civil Lines, Ayodhya - 224001, Uttar
Pradesh. Email Id: [email protected] Phone No:
: 05278-312899 / 9554165444, Alipurduar: SBI Funds Management Limited,
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Ground Floor, Sedan Square Building, Barungoli Bye Lane, Devinagar, Bhanga-pool, Ward No.-
XIV, Near 11 Hat Kalibari & IDBI Bank, Alipurduar-736121, West Bengal, Phone no: 03564-351132
/ 03564-352950 Phone no: 03564-351132 / 03564-352950 BADDI: SBI Funds Management Ltd,
1st Floor, Above ICICI Bank, Kapoor complex, The mall, Solan-173212,.Himachal Pradesh, Email
id: [email protected] BANGALORE :SBI Funds Management Ltd,#501, 5th Floor,16 &
16/1,Phoenix Towers, Museum Road, Bangalore–560001, Tel :
(080)25580014/25580051/22122507, 22272284, 22123784. BHOPAL :SBI Funds Management
Ltd, Manav Niket, 30, Indira Press Complex, Near Dainik Bhaskar Office, M.P. Nagar, Zone-1,
Bhopal (MP) – 462011 Tel No.: 0755-2557341, 4288276. BANGALORE (JAYANAGAR) -
1st Floor, No. 180, 5th Main, 4th Block West, Jayanagar, –, Bangalore – 560 011, Karnataka.
Tel: 080-26540014. Email Id: [email protected] BANGALORE (MALLESHWARAM): SBI
Funds Management Limited, First floor, 79/1, West park Road, 18th
cross, Malleshwaram, Bangalore - 560055. BANGALORE (WHITEFIELD): SBI Funds
Management Limited, 2nd Floor, No.183, Opposite Forum Value Mall, Whitefield Main Road,
Whitefield, Bangalore - 560066 Phone No: 9108522463 Email Id:
[email protected] BANKURA : SBI Funds Management Limited,80/1/A
Nutanchati Mahalla, Raghunathpur Main Road, 1st Floor, Nutanchati State Bank Building Bankura
-722101. BHUBANESHWAR: SBI Funds Management Ltd, SBI LHO Bldg, Ground Floor, Pt.
Jawaharlal Nehru Marg, Bhubaneshwar–751001, Tel : (0674)2392401/501. BALASORE: SBI
Funds Management Ltd, 1st Floor, Plot no 327/1805, FM College Road, Balasore - 756003,
Odisha. BARASAT: SBI Funds Management . Ltd. Nibedita Place, Taki Road (North), Post Office
& Police station: Barasat, North 24 Parganas, Kolkata -700124.Phone No: 9830979009 Email Id:
[email protected] BAREILLY: SBI Funds Management Ltd, C/o State Bank of India, Main
Branch, Opp Katchery, Civil Lines, Bareilly- 243001. BELAGAVI: SBI Funds Management Ltd,
Classic Complex, No 103, First Floor, Saraf Colony, RPD Cross, Behind Ajanta Hotel, Belagavi –
590006. Phone no: 08312422463 Email id: [email protected] BHAGALPUR : SBI Funds
Management Ltd, G.C.Banerjee Road, Beside Samsung, Service Center, Near Trimurti Chowk,
Bhikhanpur, Bhagalpur 812001,Bihar,Phone no:0641-24206, Email id: [email protected]
BHARUCH : SBI Funds Management Ltd, 101-105, 1st Floor, Glacier Complex, Near Pizza Inn
Restaurant, Jetalpur Road, Vadodara - 390007, Gujarat. BHARUCH: SBI Funds Management
Limited 113/114, Nexus Business Hub, Maktampur Road, Near Gangotri Hotel, Bharuch-392001
Email Id: [email protected] Phone No: 02642-247550 BHILWARA: SBI Funds Management
Ltd, c/o State Bank of India, Bhopalganj Branch, 1st Floor Dumas Presedency, Basant Vihar,
Bhilwara – 311001,Rajasthan. Phone No: 01482- 240144 BONGAIGAON: SBI Funds
Management . Ltd. Shyam Market Complex, Paglasthan, Chapaguri Road, Ward No.10. Shop
no.03, Post Office & Police Station – Bongaigaon – 783380, Assam. BATHINDA: SBI Funds
Management Ltd Shop No: 3 - 4, Ground Floor, Zila Parishad Complex, Bhatinda - 151001. Phone
No: 0164 – 2218415, Email id: [email protected] BEHALA: SBI Funds Management
Limited 6 D H Road, Beside Anjali Jewellers Silpara, Post office - Barisha, Police Station -
Thakurpukur, Kolkata - 700008 Phone No: 9674725441 Email ID: [email protected]
BERHAMPORE: SBI Funds Management Limited, 1st Floor,46/12, Amar Chakraborty Road, PO:
Khagra, DIST : Murshidabad, West Bengal – 742103. BHUJ: SBI Funds Management Ltd, Pooja
Complex, A Wing, Shop No, 1, Ground Floor, Near ICICI Bank, Station Road, Bhuj – 370001,
Gujarat. Phone No: 02832 – 250900 Email id.: [email protected] BOKARO: Plot No.-G-A/5,
Ground Floor, City Centre, Sector- IV, Bokaro Steel City, Bokaro – 827004
Email ID: [email protected] Phone No: 9304823011, 06542-232561 BORIVALI : SBI Funds
Management Ltd, Shop No. 3&4, Natraj CHS Ltd, Sodawala Lane, Near Chamunda Circle, Borivali
(West), Mumbai – 400092, Tel No.: 022-28927551/28922741. BURDWAN: SBI Funds
Management Ltd, 1st floor of Debbhumi, G.T. Road, Perbirhata near Santoshi Mandir, Post Office
- Sripally, Burdwan District - 713103, West Bengal. BAVNAGAR: SBI Funds Management Ltd, C/o
SBI Darbargadh Branch. 2’nd Floor.AmbaChowk. Bhavnagar 364001, Tel: 0278-2523788,.
BHAVNAGAR: SBI Funds Management Limited.101, First Floor, Anjaneya Prime, Opposite Blue
Club Showroom, Waghawadi Road, Bhavnagar -364001, Gujrat Phone No 0278-2523788
Email ID: [email protected] BAGALKOT: SBI Funds Management Limited, First Floor,
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TP No.48/11/B, Shop No.FF67, Block "G", Melligeri Towers, Station Road, Bagalkot- 587101.
Phone No : 7619652463 Email Id: [email protected] BELGAUM: SBI Funds Management
Ltd, C/o.SBI Main Branch,Near Railway Station Camp, Belgaum-590001, Tel: 0831-2422463.
BELLARY: SBI Funds Management Ltd,1st Link road, 2nd Main, Near Gopi Blood Bank, Parvati
Nagara, Bellary -583103, Karnataka, Email id: [email protected] Tel: 08392-
294323,7022606363. BIRBHUM : 1st Floor, Basundhara Bhavan, Masjid Road, Bolpur, District-
Birbhum - 731204, West Bengal. BIDHANNAGAR: SBI Funds Management . Ltd.SBI Bidhannagar
Zonal Office ,1st Floor, 1/16 VIP Road, Kolkata – 700054. Phone No: 8274004546 Email Id:
[email protected] BHILAI: SBI Funds Management Ltd, Plot no.21, Nehru Nagar East,
Commercial Complex, Near Bhilai Scan, Bhilai-490020, Tel No.: 0788-4010955, 0788 –
6940010/11/12/13/14/15/16/17. BIHARSHARIF: SBI Funds Management . Ltd., SBI Main
Branch, 1st floor, counter no 9 &10 Naisarai, Nalanda Biharsharif – 803101. Phone no:
9264427300 Email id: [email protected] BILASPUR: SBI Funds Management Ltd, SBI,
Main Branch, Old Highcourt Road,Bilaspur-495001, Tel: 07752) 495006. BIKANER : SBI Funds
Management, 1 A, Vijay Vihar, Tulsi Circle, Sadul colony, Bikaner – 334001, Rajasthan Phone No
: 0151 3500257, Email ID: [email protected] BASTI: 201, SBI Court Area Building,
Near Ayodhya Eye Hospital, Basti-272001, Uttar Pradesh. Phone no: 9918001822, 05542-
297888 Email id: [email protected] BOKARO: SBI Funds Management Ltd,C/o State Bank of
India, Sector – 4,Main Branch, Bokaro Steel City, Bokaro – 827004, Tel: 9304823011.
BULDHANA: Ground Floor, Shop No. 16, Jijamata Stores and Commercial Complex, Buldhana -
443001.Phone No : 07262-299037 Email ID : [email protected] CHANDIGARH :SBI
Funds Management Ltd, C/o State Bank of India, SCO-107-108, 2nd Floor, Administrative Office,
Sector 17-B, Chandigarh-160017, Tel No.: 0172-2703380. CHAPRA: SBI Funds Management .
Ltd.C/o State Bank of India, Chapra Bazar Branch, Sahebganj, Chapra, Saran – 841301, Bihar.
CHAIBASA: 1st Floor, Bhagwati Centre, Sadar Bazar, Chaibasa, West Singhbhum – 833201,
Jharkhand. Phone no: 9262999173 Email id: [email protected] CHENNAI :SBI Funds
Management Ltd, SigapiAchi Building, Floor,18/3, Marshalls Road, Rukmani Lakshmipathy Road,
Egmore, Chennai - 600 008, Tel : 044 2854 3382 / 3383, 044 2854 3384 / 3385. COIMBATORE
:SBI Funds Management Ltd, 1st Floor, Above SBI R.S Puram Branch, 541, D.B Road, R.S
Puram, Coimbatore- 641 002, Tel : (0422) 2541666. CALICUT : 2nd Floor, Josela’s Galleria, Opp.
Malabar Christian College Higher Secondary School, Wayanad Road, Calicut-673001, Tel no:
0495-2768270, 4020079, 4020080..CHEMBUR: SBI Funds Management Limited Office No.101,
Saikiran Apartments, A Wing,1st Floor, Plot No.217, Central Avenue, 11th Road Junction,
Chembur, Mumbai – 400 071. Phone no: 022 – 25226058 / 022 - 25226059 Email id:
[email protected] CHINCHWAD : SBI Funds Management Ltd, Shop No. 1. Ratnakar Bldg,
Pavan Nagar, Opp P N Gadgil Showroom, ChapekarChowk, Chinchwad Pune-411033, Tel : 020-
27355721. CHANDRAPUR: Ground Floor, Riddhi Builder building, in front of TVS Showroom,
Vivek Nagar, Mul road, Chandrapur-442401, Maharashtra, Tel no: 07172429547 / 8956397292
Email Id: [email protected] CUTTACK: SBI Funds Management Ltd, 515, Jagannath
Bhawan Complex, Ground Floor, BK - Professor pada road, PO - A.D. Market PS – Badambadi,
Cuttack – 753012 , Tel: 0671-2422792 Email ID : [email protected] DADAR: SBI Funds
Management Ltd, Shree Samarth Heights, Shop No.11, Ground Floor, Gokhale Road North, Dadar
(West), Mumbai - 400028. Phone no: 24322446 / 7. Email id: [email protected] DAVANGERE
: SBI Funds Management Ltd, Eshwar Complex, PJ Extension, Davangere - 577002, Karnataka.
DARBHANGA : SBI Funds Management Ltd, Ground Floor, Shyam Kunj, 2- Girindra Mohan
Road, Near Radio Station, Darbhanga-846004 Bihar, Phone No: 06272245004, Email ID:
[email protected] DALTONGANJ: SBI Funds Management Ltd , Mahendra Arcade,
First Floor, Zila School Road, Near Post Office, Daltonganj – 822101, Jharkhand, Phone no:
8877976333, DEHRADUN: SBI Funds Management Ltd, Ground floor, Neshvilla Court, Tower No.
2, 1-Neshvilla Road, Dehradun-248001, Uttarakhand Phone No : 0135-2741719/ 0135-2749913
Email ID: [email protected] DHANBAD: SBI Funds Management Ltd, 112 Shree Ram
Plaza, 1st Floor, Bank More, Dhanbad -826001, Jharkhand. Phone No: 0326-
2301545,9304823015, Email Id: [email protected] DHARAMSHALA: SBI Funds
Management Ltd, 1st floor, SBI Main Branch, Kotwali Bazar, Dharamshala – 176215, Himachal

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Pradesh, Tel: 9418028624/01892-225814. DIMAPUR: SBI Funds Management Ltd, C/o State
Bank of India, Old Market Branch, Kalibari Road, Old Daily Market (Near Durga Market), Dimapur-
797112, Nagaland. DILSUKHNAGAR - 1st Floor, 13-2-42/6/d/10, Vijetha Classic Empire, Above
DCB Bank, Chaitanyapuri, Dilsukhnagar, Hyderabad 500060,Tel No – 04035165251. DEOGHAR:
SBI Funds Management Ltd, 722 & 723 SSM Jalan Road, Castair Town , Opposite IDBI Bank,
Deoghar – 814112, Jharkhand.Phone no: 8986614868 / 9570378333 Durgapur: SBI Funds
Management Ltd, 4/23, Suhatta Mall, Sahid Khsudiram Sarani, City Centre, Durgapur – 713216,
Tel: 0343-2544191.DUMKA:SBI Funds Management Limited. Plot No. - 510, First Floor, Sri Ram
Para Chowk Teen Bazar, Near Andhra Bank, Dumka - 814101, Jharkhand. Phone No:
06434350008 Email Id: [email protected] ERODE: SBI Funds Management Limited, 1st
Floor, 1/1, Poosari Chennimalai Street, Near EVN Road, Surampatti, Erode - 638001 Phone No.:
0424 2211755 Email ID: [email protected] ERNAKULAM : First Floor, Chakiat Estate, Church
Landing Road, Pallimukku, Cochin – 682 016,Kerala. Phone No: 0484 – 4011605 / 4011606
Email :[email protected]. ETAWAH: Ground Floor, Shop No. 4, BABA The Mall, Mohalla
Prem Nagar, Near Shastri Chauraha, Etawah-206001, Uttar Pradesh, Phone no: 9935131119
FARIDABAD : SBI Funds Management Ltd, C/o. SBI Commercial Br.1ST Floor, SCO-3, Sector 16,
Faridabad-121002 Tel No.: 0129 – 4030661 FEROZEPUR: SBI Funds Management Ltd, c/o State
Bank OF India RBO, 120 Church Road Ferozepur Cantonment Ferozepur - 152001, Tel:
9855008415. GANGTOK: SBI Funds Management Ltd , Ground Floor, Lama Building, Near
Namthang Road & National Highway Junction, Deorali Bazar, Gangtok - 737102. Phone No:
03592-280051 Email Id: [email protected] MANAGARIA: Ground Floor, 111/4 Raja S C
Mullick Road, Garia, Post Office - Naktala, Kolkata 700047 Phone no: 9874772626 Email id:
[email protected] GANDHINAGAR: SBI Funds Management Ltd Shop No.6, Ground Floor,
Skyline, Plot No. 23, Sector 11, Gandhinagar – 382 011 Phone
No: 7935336678Email ID: [email protected] GOA : SBI Funds Management Ltd, Agva
House, Ground Floor, Near Mahalaxmi Temple, Dr. Dada Vaidya Road, Panaji Goa 403001 Tel
No.: 0832-2421806 Email id: [email protected]. GOA (VASCO-DA-GAMA) Shop No.2, Ground
Floor, Anand Chambers, F L Gomes Road, Near SBI Bank, Vasco Da Gama South Goa – 403802,
Goa Tel No.: 0832-2500636, Email ID: [email protected] GURGAON :SBI Funds
Management Ltd, 24, Vipul Agora Building, Ground Floor, M.G. Road, Near Sahara Mall, Gurgaon-
122002, Tel : (0124) 4200828, Email id: [email protected]. GUWAHATI :SBI Funds
Management Ltd, Sethi Trust Building,Unit-III, Above State Bank of India-GMC Branch, G.S.Road,
Bhangagarh, Guwahati-781005, Tel : (0361)2463704. GANDHIDHAM :SBI Funds Management
Ltd, C/o State Bank of India, Adinath Arcade, Office No. 6, Police Station Road, Gandhidham –
370201, Gujarat. GAYA: SBI Funds Management Ltd, Nandan Niketan, Ground Floor, Nagmatia
Road, Gaya-823001, Bihar, Phone No: 8252934222, 0631-2222405, Email
Id:[email protected]. GHATKOPAR : Shop No - 1 & 2, Atlantic Towers, R B Mehta Road,
Near Railway Station, Ghatkopar – East, Mumbai – 400077. Tel No.: 022 – 25012227 / 28.
GHAZIABAD: SBI Funds Management Ltd, C – 40, RDC, Raj Nagar, Ghaziabad, Uttar Pradesh
- 201002 Phone No: 0120 – 4217338 Email id: [email protected] GIRIDIH: Shanti
Heights,1st Floor, Above Hero Showroom, Whitty Bazar, Giridih - 815301. Phone No: 06532-
296009 Email id: [email protected] GORAKHPUR: Shop No – 6 & 7, Upper Ground Floor,
Cross Mall The Road, AD Chowk, Bank Road, Gorakhpur – 273001, Uttar Pradesh, Tel: 0551-
2203378.GWALIOR: SBI Funds Management Ltd, Ground Floor, Uma Plaza 83 / 84, Kailash
Vihar, Near City Centre, Ward No.30, Gwalior-474001, Tel: 0751-2447272, Madhya Pradesh, Email
Id: [email protected] : SBI Funds Management Ltd, C/o State Bank of India,
Brodipet Branch, #4/11, Master Minds Building Brodipet, Guntur - 522002, Andhra Pradesh. Guna
: SBI Funds Management Limited, 156/1,Hanuman Colony Infront of IDBI Bank, AB Road, Guna -
473001,Madhya Pradesh, Phone no: 07542-462999 Email id: [email protected]
HYDERABAD: SBI Funds Management . Ltd., 1st Floor, Shivalik Plaza, 8-2-629/K, Road Number
1, Banjara Hills, Hyderabad 500034, Telangana. Phone no: 8121018378 Email id:
[email protected] HAMIRPUR: SBI Funds Management Ltd , c/o State Bank of India, Main
Branch, Ist floor, Hamirpur – 177001, Himachal Pradesh. Phone no:01972-224799 Email id:
[email protected]. HALDIA: SBI Funds Management . Ltd. Akash Ganga Commercial

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Complex, 3rd Floor, Manjushree, Village Basudevpur, Post Office – Khanjanchak, Police Station-
Durgachak, Haldia - 721602, Purba Medinipur Phone No: 9073641484 Email Id:
[email protected] HALDWANI: SBI Funds Management Ltd, Upper Ground Floor, Guru
Nanak Tower, Durga City Center, Nainital Road, Haldwani - 263139 Uttarakhand, Tel:05946-
220526/222925 Mobile No: 9412084061 / 9105562000 / 9105573000 Email ID:
[email protected]. HAZARIBAGH : SBI Funds Management Ltd, Prabhu Niwas Market,
AnandaChowk , Guru Govind Singh Road, Hazaribagh – 825301, Jharkhand. HASAN: 1st Floor,
Sri Charana Complex, Above SBI Main Branch, Behind Suvarna Residency, BM Road, Hassan
- 573201.Phone No: 8976920387 Email Id: [email protected]: SBI Funds
Management Ltd, 42,Red Square Market, Nr. Hotel Regency, Hisar -125001, Haryana,, Tel: 01662
238415. HUBLI: SBI Funds Management Ltd, c/o: State Bank of India, Market Branch, Laxmi
Complex, Near Court Circle, Hubli-580029, Tel: 0836-2368477. HOSIHARPUR : SBI Funds
Management Limited Ground Floor, Opposite Green View Park Near SBI Main Branch,
Hoshiarpur-146001 Email ID: [email protected] Phone No.: 01882-228415 INDORE:SBI
Funds Management Ltd, 215-216 City Centre, 2nd floor,570 M.G. Road, Indore – 452001, Tel :
0731 -2541141/4045944/4991080/4991081/4991082/4991083. IMPHAL : SBI Funds
Management Ltd, C/o State Bank of India, Imphal Branch, M. G. Avenue, Imphal – 795001,
Manipur. ITANAGAR : SBI Funds Management Ltd, C/o State Bank of India, Personal Banking
Branch, Ziro Point, Itanagar – 791111, Arunachal Pradesh. JABALPUR: SBI Funds Management
Ltd, G-2, Ground Floor, Rajleela Tower, Wright Town, Jabalpur – 482002, Tel No.: 0761–
2410042 .JAIPUR :SBI Funds Management Ltd, 1st Floor, SBI Tonk Road Branch, Near Times of
India Building,Tonk Road, Jaipur–302015, Tel : (0141) 2740016/2740061. JALANDHAR: SBI
Funds Management Ltd, SCO – 14, Ground Floor, P.U.D.A Complex Jalandhar – 144001. Email
Id: [email protected] Phone No: 0181 - 2238415.JALGAON : SBI Funds Management
Ltd., 2nd floor, Opp. SBI Main Branch, Stadium Complex, JilhaPeth, Jalgaon - 425001,
Maharashtra. JAMMU: First Floor, A1 North Block, Bahu Plaza, Jammu-180012 Phone No : 0191-
2474975 Email ID : [email protected] JAMMU: SBI FUNDS MANAGEMENT LIMITED 115,
FIRST FLOOR, A 1 NORTH BLOCK, BAHU PLAZA, JAMMU-180012 EMAIL ID:
[email protected] PHONE NO.: 0191-2474975 JAMNAGAR: SBI Funds Management
Ltd, C/o SBI Ranjit Road Branch, Ranjit Road, Jamnagar,-361001, Tel: 0288-2660104.
JAMNAGAR: 105, First Floor, Neo Atlantic, Opposite Amber Cinema, Jamnagar – 361 002,
Gujarat. Phone No :0288 - 2660104 Email ID : [email protected] JAMSHEDPUR: SBI
Funds Management Ltd, Fairdeal Complex Unit, 2 M, M Floor, Opposite Ram Mandir, Bistupur,
Jamshedpur - 831001 Tel no.: 0657-2320447, Email ID: [email protected] JHANSI:
649-650 Ground Floor, Near Tulsi Hotel, Chitra Chauraha, Jhansi - 284001, UttarPradesh, Tel
no.: 0510 – 3548113, 0510 – 3500103, Email ID: [email protected] JODHPUR: SBI
Funds Management Limited PRM Palza, Plot No. 947, 10th D Road, Sardarpura, Jodhpur-342001
Phone No: 9829123397 Email ID : [email protected]. JORHAT : C/O Rajarshi Barua, 1st
Floor, Above SBI ATM, Barpatra Ali Road, Near JB College, Beside ICICI Bank, Jorhat – 785001,
Assam Email Id: [email protected] Phone No: 6913120050. JUNAGADH : SBI Funds
Management Ltd, Balaji Avenue, First Floor, Shop No 7 & 8, Near Reliance Mall, Opposite
Rajlaxmi Park, Motibaug to Sardarbaug Road, Junagadh – 362001, Gujarat. Phone No: 0285 –
2670350 Email: [email protected] Jaunpur: SBI Funds Management Limited, First Floor,
Dulari Complex, 478 Civil Court Road, Miyajpur, Jaunpur ,Uttar Pradesh-222002, Email Id-
[email protected], Phone No: 9984070444, 05452-350064. JALPAIGURI: SBI Funds
Management Limited, Sunny Apartment, Ground Floor, Club Road, Opp. of State Bank of India -
Jalpaiguri Branch, Jalpaiguri-735101 West Bengal, Phone No: 03561-454009 / 9775277614,
Email: [email protected]; KADAPA: SBI Funds Management Limited, 1 / 725, 2nd Floor,
Maredddy Ananda Reddy Towers, Above HDFC Bank, Railway Station Road, Yerramukkapalli,
Kadapa, Andhra Pradesh – 516001.Phone No : 08562-355418 Email Id : [email protected]
KALABURAGI : SBI Funds Management Ltd, 1st floor, Arihant Towers 8-1234 / SF, Asif Gunj,
Kalaburagi – 585104. Email Id: [email protected] Phone No: 7337877350 KANPUR :SBI
Funds Management Ltd, 207, 2nd Floor, Sai Square, 16/ 116 (45), Bhargava Estate, Civil Lines,
Kanpur- 208001, Tel No.: 0512- 6900314/15. KARAIKUDI: Door No. 79, Koppu Nilayam, First

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Floor, Above Federal Bank, Sekkalai Road, Karaikudi Sivaganga District, Karaikudi – 630001,
Tamil Nadu.Phone No : 04565292233 Email Id : [email protected] KARIMNAGAR: SBI
Funds Management . Ltd, 1st Floor, 2-9-13, Main Road, Geetha Bhavan Circle, Mukarrampura
Street, Karimnagar - 505001. Phone No.: 08782931708 Email ID: [email protected]
Kharagpur: SBI Funds Management . Ltd, Khan Tower, 1• Floor, Q.T. Road, Inda, Q.T. Road, Inda,
Kharagpur, Kharagpur, West Midnapore – 721305. Email ID: [email protected] Phone
No.: 03222-225592 KHARGHAR: SBI Funds Management . Ltd. Swarna CHS Ltd., Shop No.18,
Ground Floor, Plot No.13 / 14, Sector 7, Kharghar, Navi Mumbai - 410210. Phone No: 27740359 /
69 Email Id: [email protected] Kolkata :SBI Funds Management Ltd, 6th Floor, Kanak
Towers, 7A Anandilal Poddar Sarani (Russel Street), Opp. Jeevandeep Building, Kolkata –
700071, West Bengal. Tel :033-40924800 Email Id: [email protected] : SBI
Funds Management Ltd, Sri Tapan Krishna Dey, Sudhalaya, A 1/50, Kalyani, District Nadia -
741235, West Bengal. KANNUR : SBI Funds Management Ltd, C/o State Bank of India, NRI
Branch, SBI Building, Fort Road, Kannur – 670001, Kerala. KAKINADA : SBI Funds Management
. Ltd. C/o SBI Main Branch, Main Road, Kakinada - 533001, Andhra Pradesh. Phone No:
08842356767 Email Id: [email protected] KAKINADA: 20-1-34/1,1st Floor, Subhash Road
(20 Block), Revenue Ward No.14, Main road, Okk Super Bazar, Kakinada -533001, Andhra
Pradesh Phone No : 0884-2356767 Email ID : [email protected]: SBI Funds
Management Limited, 3rd Floor, 15-9-540, J L Towers, Beside ICICI Bank, Wyra Road, Khammam
– 507001 Phone No : 08742293456 Email Id : [email protected] KHARAGPUR : SBI
Funds Management Ltd, IndaPeerbaba, Near Ashirbad Lodge, Kharagpur, Midnapore West, West
Bengal – 721301. KOLHAPUR: SBI Funds Management Ltd, Ground Floor, Shop No. 1 & 2,
Ayodhya Tower, Dabholkar Corner, Station Road, Kolhapur – 416001 Phone No: 0231 2680880.
KANKAVLI: Upper Ground Floor, Gala No. 6, Sunrise Towers, Bijali Nagar, Kankavli, Sindhudurg
– 416602, Maharashtra. PHONE NO: 8390604632 EMAIL: cs@[email protected] KOLLAM
: SBI Funds management Ltd, C/o State Bank of India, Kollam Branch, PB No 24, State Bank
Building, Near Railway Station, Kollam - 691001, Kerala. KOLLAM: 1st Floor, Sree Ganesh
Arcade, Thamarakulam - Kollam 691001, Kerala Phone No:+91 9136773494, Email ID:
[email protected] KORBA : SBI Funds Management Ltd, C/o. State Bank of India, Kutchery
Branch, Kutchery Chowk, Raipur – 492001, Chattisgarh. KOTA: SBI Funds Management Ltd, First
floor, Wonder view building (Modi Tower), Opposite Seven wonder park Kothri Circle, Kota-
324007, Rajasthan, Phone No : 90579 03628, Email ID: [email protected], KOTTAYAM: SBI
Funds Management Ltd, C/0 SBI Kalathipadi Branch, Opp. Karipal Hospital, K K Road,
Kalathipadi, Vadavathoor P O, Kottayam-686010, KUKATPALLY: SBI Funds Management Limited,
3rd Floor, 7 Sai Plaza, Plot No.14, Beside Chermas Showroom, Dharma Reddy Nagar Colony,
Phase II, Hyder nagar, Kukatpally, Hyderabad – 500072, Telangana Email id:
[email protected] KOTHRUD: SBI Funds Management Limited Shop No 3 & 4, Success
Square, Lower Ground Floor, Kothrud, Pune - 411038, Maharashtra E-mail Id-
[email protected] Phone No: 9545450847 KRISHNANAGAR: SBI Funds Management .
Ltd.1st Floor, State Bank of India, Krishnagar Branch, Krishnagar, Nadia, 5B, D.L. Roy Road,
Krishnagar, West Bengal – 741101 Phone no: 9836037773 Email id:
[email protected] KURNOOL : SBI Funds Management Ltd, Shop No 4,5 and
6,Ground Floor, Skandanshi Vyapaar Opposite Old Ediga, New Bus Stand Road, Kurnool 518003,
Andhra Pradesh Phone No: 08518-227776 Email Id: [email protected] KALYAN : SBI Funds
Management Limited, Shop No. 2, 3 & 4, Shubham Apartment, Santoshi Mata Road,
Kalyan (West)-421 301,ThaneTel: 0251-2311980 Email: [email protected]. KALYANI: B-
9/277/(CA), 1st Floor, Kalyani, District Nadia, West Bengal - 741235, Tel: 033-25827700.
KUMBAKONAM: SBI Funds Management Limited. Old Door No.73, New Door No.46,
Sarangapani South Street, Kumbakonam, Tamil Nadu – 612 001. Phone No : 0435 2427426 Email
Id : [email protected] KOLLAM: 1st Floor, Shree Ganesh Arcade, Thamarakulam,
Kollam – 691 001, Phone No: +91 9136773494 Email: [email protected] KORAMANGALA:
C/o. State Bank of India,Start – Up Hub Branch,#117, 1st Floor, 7th Block, Industrial Layout,
Koramangala, Bengaluru - 560 095. Phone No:9972302919 Email Id :
[email protected] KASARAGOD : SBI Funds Management Limited, Municipal Door
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No. KMC 6/1764P1764 V, First Floor,Aishwarya Arcade, Bank Road, Kasaragod, Kerala -671121,
Phone No: 04994-230350 Email Id : [email protected] KAITHAR: First Floor, Daulat
Ram Chowk, Near Rajshree Jeweller, Katihar – 854105, Bihar, Phone no: 6287042256, Email
Id: [email protected]. KATNI: Ground Floor, Jeevan Savitri Complex, Near Shree Hospital,
Ward No 28, Bargwan Road, Bargwan Road, Katni – 483501, Madhya Pradesh, Phone No:
07622-478774 / 6269111462, Email Id: [email protected] LATUR: Ground Floor, Shop No. 4,
Omkar Complex, Khardekar Stop, Ausa Road, Latur – 413512.Phone no: 02382 - 299494 Email
id: [email protected] LUCKNOW :SBI Funds Management Ltd, G-16, Kasmande House,2, Park
Road, Hazratganj,Lucknow-226 001, Tel : (522) 2286741,2286742. LUDHIANA :SBI Funds
Management Ltd, SCO-124, Ground Floor, Feroze Gandhi Market, Ludhiana - 141001, Phone
No.: 0161-2449849, 0161-5058415. LEH : SBI Funds Management Ltd, C/o State Bank Of India
Fire & Fury Branch, Opp. Hall of Fame, Air Port Road Leh, Dust - Leh. – 194101, Jammu &
Kashmir. MAHABUBNAGAR: SBI Funds Management Limited Ground Floor - #10-5-83/2A, Sara
Complex, Mahabubnagar- 509001, Telangana Phone No: 08542 220091 Email Id:
[email protected] MADHAPUR: SBI Funds Management Ltd, 1st Floor, Shristi Tower,
1-98/2/11/3, Arunodaya Colony, Madhapur, Opposite Karachi Bakery, Hyderabad – 500081,
Telangana, Phone no: 040 23119010. MANCHERIAL: SBI Funds Management Limited. 1st Floor,
House No. 12 -318 / 319, BPL 'X' Road, Mancherial, Telangana - 504208. Phone No: 08736299994
Email ID: [email protected] MATHURA: Sangam Complex, 98-C Krishna Nagar,Mathura-
281004,Uttar PradeshPhoneNo:8979636665 Email Id: [email protected] MUMBAI : SBI
Funds Management Limited. Unit No. 31, CR2 Mall, Plot no. 240 & 240A, Backbay Reclamation,
Block no. III, Nariman Point, Mumbai - 400021, Maharashtra. Email Id: [email protected]
Phone No: 022 – 66532800. MADURAI: SBI Funds Management Ltd, Ground Floor, Surya
Towers, 272, Good Shed Street, Madurai - 625001 Phone No: 0452 4374242 Email id:
[email protected]. MAPUSA: Shop no 9 & 10,Ground Floor, Garden Centre, Block A,
Opposite Mapusa Police station, Mapusa -403507, Goa. Phone No : 91 8669668965 Email Id :
[email protected]. MALDA: SBI Funds Management Ltd, C/o ArindamSarkar, Vivekananda
Pally, Behind Fouzder Clinic, English Bazar, Malda - 732101, West Bengal. MANDI: C/O State
Bank of India, 2nd Floor, Near Gandhi Chowk, Teh Sadar- Himachal Pradesh, Mandi -175001,
Phone No.: 08894321280. MANGALURU: SBI Funds Management Limited Ground Floor, Shop
No.02,Door No.5-5-306/22(3), Prism Commercial Complex, PVS Kalakunja Road, M G Road
(Cross Road), Kodialbail, Mangaluru – 575003, Karnataka, Phone No.: +91 9108042463. Email
Id: cs.mangalore.sbimf.com MANINAGAR: SBI Funds Management Ltd, 3rd Floor, 301, Amruta
Arcade, Above Jade Blue, Opposite Jupiter House, Maninagar Cross Road, Maninagar,
Ahmedabad – 380 008 Phone No: 079 – 48442929 Email Id: [email protected] MARGAO
: SBI Funds Management Ltd, G1 & G2, Ground Floor, Jivottam, Minguel Miranda Road, Off Abade
Faria Road, Margao, Goa – 403601, Phone No: 0832-2725233 / 0832-2725234 Email
Id:[email protected] MEERUT: SBI Funds Management Ltd, Ground Floor, RS Corporate
House - A Plot No 229, Mangal Pandey Nagar, Near Bhagyashree Hospital, Opposite Broadway
Inn Hotel, Meerut- 250004, Uttar Pradesh, Phone No: 01214229616,8954891572, Email ID:
[email protected] MEHSANA : SBI Funds Management Ltd, Shop No. FF 56, Someshwar
Mall, Modhera Road, Mehsana – 384002, Gujarat. MORADABAD: SBI Funds Management Ltd,
C/o SBI Main Branch, Civil Lines, Moradabad-244001, Tel: (0591) 2411411. MOTIHARI: SBI Funds
Management. Ltd.C/o State Bank of India, Chandmari Branch, Near Petrol Pump, Chandmari,
Motihari, East Champaran – 845401, Bihar MOHALI: SBI Funds Management Ltd, SCO 36-37,
VRS District One, Above HDFC Bank Sector 68, SAS Nagar Mohali- 160062, Punjab. Phone no:
0172-5053380 , Email id: [email protected] MUZZAFFARPUR: SBI Funds Management Ltd,
2nd Floor, State Bank of India, Main Branch, Red cross Building, Company Bagh, Muzaffarpur –
842001. Phone No: 08252106111/06200610373 Email id: [email protected] Tel:.
MYSORE: SBI Funds Management Ltd, No-145,1st Floor, 5th Cross, 5th Main, Sarswathipuram,
Mysore - 570009, Tel: 0821-2424919. MAPUSA: Shop no 9 & 10,Ground Floor, Garden Centre,
Block A, Opposite Mapusa Police station, Mapusa -403507, Goa. Phone No : 91 8669668965
Email Id : [email protected]. MIRZAPUR - First Floor, Triveni Chaurasia,Triveni
Campus,Ratanganj,Mirzapur-231001,Uttar Pradesh.Phone No: 9984507831 05442-350022

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Email Id:[email protected]. Malappuram: 18/484, First Floor, Thangal Shopping
Complex, Kottappadi, Plaza Tower, Down Hill Area, Malappuram, Kerala 676505, Phone No:
7559046677, Email Id: [email protected] NAGPUR: SBI Funds Management Ltd, 1st
floor,Wardha House, Central Road, Ramdaspeth, Nagpur – 440010, Tel No.: 0712-2996170,0712-
2996160,Email Id: [email protected]. NEW DELHI :SBI Funds Management Ltd,Ground
Floor, Gopal Das Building, 28 Barakhamba Road, Connaught Place, New Delhi 110001 Phone
No: 011-23466601-620 Email ID: [email protected] NANDED: SBI Funds Management Ltd,
First Floor, Shop No. 16, Sanman Prestige, Station Road, Nanded – 431601.Phone No: 02462-
244144 Email Id: [email protected] NADIAD : SBI Funds Management Ltd, 103 , First
Floor, The Capital , Opp. Chandramauleshwar Mahadev, Near Sanket India, College Road Nadiad
– 387001, Gujarat Phone No. 0268-2562110, 0268-2560110 Email Id : cs@[email protected]
NALGONDA: SBI Funds Management ltd, 1st Floor, NC’s Sai Plaza, Door No-6-3-10/A ,V T Road,
Ramagiri, Nalgonda-508001,Telangana Phone no: 08682-221999 Email id:
[email protected] NASHIK: SBI Funds Management Ltd, Ground Floor, Sharada Niketan,
Tilak Wadi Road, Opp. Hotel City Pride, Sharanpur Road, Nashik – 422002. Tel No.: 0253-2232553
Email ID: [email protected] NAVSARI :SBI Funds Management Ltd, C/o State Bank of India,
105, Rudraksh Apt, Nr. Dhruvini Hospital, Asha Nagar Main Road, Navsari – 396445, Gujarat.
NELLORE : SBI Funds Management Ltd, C/o. State Bank of India, Vedayapalem Branch, Nellore
- 524 004, Andhra Pradesh. NEHRU PLACE: SBI Funds Management Ltd, 1st Floor, Shop No.
101-102 & 111 (1/2), Building No. 40 - 41, Bakshi House, Nehru Place, New Delhi – 110019 Phone
No: 011 – 26224606 Email id: [email protected] NIRMAN VIHAR: SBI Funds
Management . Ltd., 208, Vikasdeep Tower, Laxmi Nagar District Centre, Delhi – 110092 Phone
no: 011- 46011830 Email id: [email protected] NIZAMABAD: SBI Funds Management.
Ltd., 1st Floor, 6-2-55, Opposite Indur High School, Subhash Nagar, Near Zilla Parishad,
Nizamabad – 503002. Phone No: 08462-234001 Email id: [email protected] NOIDA:
SBI Funds Management Ltd, GF-07 ansal fortune arcade K- block, Sector – 18, Noida – U P
NOIDA-201301, Tel : 0120 4232214.OOTY: SBI Funds Management Limited, No.205, B-11, First
Floor, Sri Lakshmi Complex New Agraharam, Commercial Road, Ooty – 643001 PATNA :SBI
Funds Management Ltd, 501, Rajendra Ram Plaza, Exhibition Road, Patna- 800001 Phone No:
9262699197 / 9262699198 Email id: [email protected] [email protected] PANIPAT: SBI
Funds Management Ltd, Time Square, 27-28 BMK Market, Behind Hotel Hive, G T Road, Panipat-
132103, Haryana Tel: 0180-2648415 / 0180 – 4078415 PALAKKAD: SBI Funds Management .
Ltd.,2nd Floor, Builtech Building, Chittoor Road, Palakkad – 678013, Kerala PATIALA : SCO 14-
15, Ground Floor, Opp. Kamal Laboratory, New Leela Bhawan, Patiala-147001. Tel No.: 0175-
2300058. PONDA: hop no. G-22, Ground Floor, Rajdeep Galleria, Near Municipal Garden, Ponda-
403401, Goa Email Id: [email protected] Phone No: 9145252633 PUNE: SBI Funds
Management Ltd, Ground Floor, Pradeep Chambers, Near Idea Showroom, Bhandarkar Road,
Pune – 411005 Tel No.: 022-25670961 / 25671524 / 25653398/99 PUNE : SBI Funds Management
Limited. Ground Floor, Shop No – 32 and 33, Kumar Place CHS,2408, East Street, Pune,
Maharashtra – 411001.Phone No: 9850815152 Email Id:
[email protected]: SBI Funds Management . Ltd. First Floor, MPR
Complex, No.152, Easwaran Koil Street, Puducherry – 605001, Tel no.: 0413-2222266 Email ID:
[email protected] PURULIA: Omkar Towers, 2nd Floor, Ranchi Road, Ward Number 1, Above
SBI Purulia Bazar Branch, Purulia – 723101, West Bengal. Phone No : 9002039328 Email Id :
[email protected] PITAM PURA : SBI Funds Management Ltd, 112HB, 1st Floor, Twin
Tower, Netaji Subhash Place, Near Max Hospital, Pitam Pura, New Delhi - 110034, Tel : 011-
27351974. PATNA: Ground floor, Shop No. 4 & 5, Sun Rise Sai Ozone Plaza, Near RPS More,
Danapur, Patna-801503, Bihar, Tel no.: 0612-3117266 / 0612-3127760 Email ID:
[email protected]. Palanpur: 1st Floor, Shop No. 30, Sanskrut Shopping Mall, Opposite
Income Tax Office, Above SBI, Abu Highway Road, Palanpur - 385 001, Gujarat. Tel no: 02742 –
252235 Email ID: [email protected], PANCHKULA: SCF-82, First Floor, Sector 12,
Panchkula, Haryana -134112, Phone no: 01722580136, 9592008415 Email ID:
[email protected] PRAYAGRAJ: SBI Funds Management Ltd, 54E, Ground Floor, Triveni
Vinayak, Tower, Opposite Auto Sales, Beside, Bank of Baroda Kanpur Road, Prayagraj – 211001,

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Uttar Pradesh. Phone No: 0532-2261028 / 8052007333 Email Id: [email protected]
RAIGARH: SBI Funds Management Limited, Plot No 957, Opposite Axis Bank, Dimrapur Road,
Jagatpur, Raigarh, Chhattisgarh – 496001. Email id: [email protected] RAIPUR: SBI Funds
Management Ltd, Raj Villa, Near Raj Bhawan, Civil Lines, GhadiChowk,Raipur- 492001, Tel :
(0771) 2543355,4263256,4056808.RAMGARH: Ground Floor, Beside Income Tax Office, Thana
Chowk, Ramgarh Cantt, Ramgarh – 829122, Jharkhand. Phone no: 9262973777 Email id:
[email protected] RANCHI : Unit 104,1st floor, Jokhiram Chambers, Opposite G.E.L.
Church Complex, Behind Mahabir Tower, Main Road, Ranchi - 834001, Jharkhand, Tel:
9693205026. RAJAHMUNDRY :SBI Funds Management Ltd, C/o, SBH Main Branch, T Nagar,
Rajahmundry – 533 101, Tel: (0883)2434002. RAJKOT: SBI Funds Management Ltd, SBI Funds
Management Limited. Rathod Chambers, Ground Floor, Office No.4, Opposite Shivalik-7, Beside
Shell Petrol Pump, Gondal Road, Rajkot-360002. Phone No: 7777002460/61
Email ID: [email protected] RAEBARELI : SBI Funds Management . Ltd. 1st Floor,460/24,
Canal Road, Raebareli-229001, Uttar Pradesh. Email Id: [email protected] Phone No:
9984559444. RATLAM : SBI Funds Management Ltd, 14/1, Chhatripul, Main Road, Ratlam –
457001, Madhya Pradesh. RATNAGIRI : SBI Funds Management Ltd, Ground Floor, Arihant
Complex, Arogya Mandir, Behind Bus Stop, Ratnagiri – 415639, Maharashtra Phone No :
7506868073. REWA: SBI Funds Management Limited Shop no 3, Yaduvendra Tower, Shubhash
Chowk, University Road Rewa-486001 (M.P) Phone no: 9522202588 Landline: 07662-320331
Email id: [email protected] ROHTAK : SBI Funds Management Ltd, Ashoka Plaza, Ground
Floor, Delhi Road, Rohtak-124001 Tel: 01262258415. ROURKELA: 1st Floor, Dhananjay Niwas,
Udit Nagar, Rourkela, Odisha – 769012, Tel No.: 0661-2522999 SURAT :SBI Funds
Management Ltd, International Trade Centre, Higher Ground Floor – 31, Majura Gate Crossing,
Ring Road, Surat – 395002 Tel : (0261) 3994800.SAHARANPUR : SBI Funds Management
Limited Plot No. 06, Ground floor, Avas Vikas, Delhi Road, Saharanpur -247001 Uttar Pradesh.
Email Id: : [email protected] Phone No: 8979780609. SAGAR : SBI Funds
Management Ltd, Shop No. G-11, Dwarikaji Complex, Civil Lines, Sagar - 470 001, Madhya
Pradesh. SALEM: SBI Funds Management Ltd. Nakshatra Trade Mall”, No.55/1,Ramakrishna
Raod, Near Gopi Hospital,Salem-636007, Tel: 0427-4552289. SAMBALPUR: SBI Funds
Management Ltd, State Bank Of India, Sambalpur Main Branch, Sambalpur, Dist. sambalpur,
Orissa-768001, Tel: 0663-2410001. SAMBALPUR: M/S- Swagat Complex 2nd floor, Above Patra
Electronics, Ainthapali , Sambalpur -768004 Email Id: [email protected] Phone No:0663-
2410001SANGRUR: SBI Funds Management . Ltd, c/o State Bank of India, Barra Chowk Branch,
Sangrur– 148023, Punjab. Phone no:0167-2500020 , 9855228415 Email id:
[email protected] SANGLI: SBI Funds Management . Ltd 1st Floor-101, Shrilaxmi
Chembers, Opposite ZP Office, Sangli - Miraj Road, Sangli – 416416. Phone no:
8806600921Email: [email protected] SATARA: SBI Funds Management . Ltd, 1st Floor
287/1/J/6, Adarsh Corner, Opposite Rajtara Hotel, Radhika Road, Satara – 415001. Phone no:
8806009837 Email: [email protected]; SECUNDERABAD: SBI Funds Management . Ltd,
403, 4th Floor, Legend Crystal, P. G. Road, Near Paradise Circle, Secunderabad – 500003, Tel
No.: 040-69000541/542. SHILLONG: SBI Funds Management Ltd, SBI Shillopng Main Branch,
Shillong, Meghalaya-793001, Tel: 9436730174. SHIMLA: SBI Funds Management Ltd, C/o State
Bank of India, New Building (2nd Floor), Kali Bari, The Mall, Shimla-171003, Himachal Pardesh,
Tel: 0177-2807608. SHIMOGA: SBI Funds Management Ltd, SBI Shimoga Branch, Shroff
Complex, Sir, M.V. Road, Tilak Nagar, Shimoga-577201, Tel: 8182222463. SILCHAR : SBI Funds
Management Ltd, C/o State Bank of India, New Silchar Branch, Silchar – 788005, Assam.
SILIGURI: SBI Funds Management Ltd, Ganeshayan Building -2nd Floor, Beside Sky Star
Building, Sevoke Road,Siliguri-734001, Tel: 0353-2537065.SOLAPUR : SBI Funds Management
Ltd, 71 Lokmangal Bhavan, Ground Floor, Opposite Mayor’s Bungalow, Railway Lines, Solapur
413001 Maharashtra, Phone No: 0217 -2315292 Email Id: [email protected] ,SIWAN: SBI
Funds Management . Ltd. C/o State Bank of India, PBB Branch, Mahadeva Road, Near Bajaj
Agency, Opposite OP Thana, Siwan – 841227. Phone no: 7545040123 Email id:
[email protected] SERAMPORE :SBI Funds Management Ltd., Sweety Villa, Ground Floor,
83, Mukherjee Para Lane, Serampore, Hooghly, West Bengal - 712201Phone no: 033-26520011
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Email id: [email protected] SRIGANGANAGAR: SBI Funds Management Ltd, N-3,
Goushala Road,Sukhadia Circle, Sri Ganganagar-335001, Rajasthan. Email id:
[email protected]. Phone no: 0154 – 2940384.SRIKAKULAM: SBI Funds
Management . Ltd. C/o SBI Main Branch, Grand Trunk Road, Srikakulam - 532001, Andhra
Pradesh. Phone No: 08942228533 Email Id: [email protected] SRIKAKULAM :Varanasi
Krishna Murthy Complex, Beside Rema Gedda, Entrance to Friends Colony, Peddapadu Road,
Srikakulam - 532001, Andhra Pradesh Phone No : 08942 – 220533 Email Id
:[email protected] SRINAGAR : SBI Funds Management Ltd., SBI Regional business
Office, 2Nd Floor, M.A Road, Srinagar, Tel: 0194-2474864.SHIMLA: SBI Funds Management
Limited, Dalziel Estate, Near State Bank of India, Main Branch, Kali Bari Temple, The Mall, Shimla
171003, Himachal Pradesh. Phone no: 0177-2807608 Email id: [email protected],
SURENDRANAGAR: Office No.101, 1st Floor, Mega Mall, Main Road, Surendranagar – 363001,
Gujrat, Phone no: 02752-299060, Email id: [email protected]. SATNA: First Floor,
Ekta Tower, Rewa Road, Opposite CMA School, Satna- 485001, Madhya Pradesh, Phone no:
07672-465948 / 9977001048 Email id: [email protected]. . SONIPAT: 1st floor, veer complex,
prem nagar ,Atlas road, near petrol pump,Sonipat,Haryana-131001, Phone no: 9811484860,
Email id: [email protected] TEZPUR: SBI Funds Management Ltd c/o SBI Chandmari
Branch, Kumargaon Beseria Road, Chandmari, Tezpur-784001, Assam. Phone no: 09436290224/
09435019671 ROORKEE: SBI Funds Management Ltd SBIMF-Investor Service Desk, C/o State
Bank of India, Civil Lines, Roorkee – 247667 Phone no: 9045310073 Email id:
[email protected]; RAIGANJ: SBI Funds Management Limited, Plot No 149/23, Ground
Floor, Siliguri More, Sudarshanpur, Opp. Vidya Chakra High School, Raiganj – 733134 West
Bengal, Phone no: 03523-254253 / 9831876396, Email id:
[email protected];THRIVANTHAPURAM :SBI Funds Management Ltd, Ground Floor, TC
25/373(9),Govt. Press Road, Near Secretariat, Trivandrum 695001, Tel : (0471)
4011590/4011591/4011592. THANE: SBI Funds Management Ltd, Shop No 1, Kashinath CHS,
Ghantali Mandir Road Nr Ghantali Devi Mandir. Naupada, Thane-400602, Tel : 022-
25401690,25414594. THIRUCHIRAPALLI: SBI Funds Management Ltd, Supraja Arcade, 2nd
Floor, No. 21, 6th Cross, Thillai Nagar, Tiruchirappalli – 620018, Tamil Nadu, Tel: 0431-4000667.
THISSUR :SBI Funds Management Ltd, C/o State Bank of India, Thichur Town Branch, Poonam
Complex, M G Road, Thissur – 680001, Kerala. THRISSUR: SBI Funds Management Ltd, First
Floor, Pooma Complex, M. G. Road, Trisshur – 680001 Tel: 0487-2445700. THIRUVALLA: SBI
Funds Management . Ltd.Building Number 500/5-A, Fusion Centre, Kottuppallil Buildings, Muthoor
Post Office, Ramanchira, Thiruvalla - 689107, Kerala. TINSUKIA: STATE BANK OF INDIA
Tinsukia Bazaar Branch, 3rd Floor, Ranghar Complex, G.N.B Road, Near Thana Charali, Tinsukia
- 786125, Assam. PHONE NO: 8135847027 EMAIL ID: [email protected]
TIRUNELVELI : SBI Funds Management Ltd, 182 E, Shop no 7,Arunagiri Uma Complex, S.N.High
Road, Tirunelveli - 627001, Tel: 0462 4220023. TIRUPATI: SBI Funds Management Ltd, Door No
20-3-124 AB,1st Floor, Penumadu Towers,Beside SBI Korlagunta Branch,Near Leela Mahal
Circle,Tirupati – 517501 Phone No: 0877 2280208 / 2280206 Email id:
[email protected]: SBI Funds Management Ltd, 2nd Floor, S & S Aracade, Door
No: 10/5, Uthukuli Road, Above Axis Bank, Tirupur – 641601, Tamil Nadu. Phone No:
09715111001Email: [email protected] TUMKUR: 1st Floor, 3rd Cross Ashok Nagar,
Opposite to Tumkur University, B H Road, Tumkur - 572101. Phone No: 7899732386 Email Id:
[email protected] TUTICORIN : SBI Funds Management Limited, 283 B, Seethapathi
Maaligai, First Floor, W.G.C. Road, Tamilnad Mercantile Bank Upstairs, Tuticorin – 628002, Tamil
Nadu Phone No.: 0461 2334400 Email ID: [email protected]. TAMLUK: Ward No. 11,
Padumbasan Building, Tamluk-721636, West Bengal. Phone No : 9147044649 Email Id :
[email protected], Tezpur: C/O Ms Rajat Saikia Complex, Ground Floor, Opposite Hotel,
Susuma, Mission Charali, Tezpur-784154, Sonitpur, Assam, Phone no: 03712-291135, Email id:
[email protected] UDAIPUR: SBI Funds Management Ltd, Office No. G 05-06, Ground Floor,
Amrit Shree, Ashok Nagar Main Road ,Udaipur - 313001 Rajasthan, Phone No.:0294-2413717,
Email Id: [email protected], UDUPI: 1st Floor, Door No -13-2-1A, Vishwas Towers, Court
Back Road, Udupi - 576101.Phone No: 9108042463 Email Id: [email protected] UJJAIN: SBI

86
Funds Management . Ltd.No.133, Santram Sindhi Colony, Opposite J K Nursing Home, Indore
Road, Ujjain, Madhya Pradesh – 456010, Phone no: 09977719159 VADODARA :SBI Funds
Management Ltd, 101 - 105, Glacier Complex,Near Pizza In, Jaselpur Road, Vadodara - 390007,
Tel : (0265) 2323010.VIJAYAWADA :SBI Funds Management Ltd, 1st Floor, Datta Sai Vemuri
Towers, Door No: 39-10-10, Veterinary Hospital Road, Labbipet, Vijayawada -520010,Tel : 0866
2436113 / 2438217 VALSAD: SBI Funds Management Ltd, 101, First Floor, Rudra Avenue
Building, , Above Vinay Medical Store, Opp. Bai Ava Bai High School, Halar Road, Valsad -
396001, Gujarat Tel: 02632- 245440 Email Id: [email protected] : SBI Funds
Management Ltd, A-106, First Floor Sonorous Business Gateway, Opposite Circuit House, Near
Railway Station, Koparli Silvassa Road,Vapi-396191,Gujarat,Phoneno:0260-
2400480,Emailid: [email protected] VARANASI: SBI Funds Management Ltd, 2nd Floor,
Banaras TVS Bulding,, D-58/12, A-7, Sigra, Varanasi-221010, Tel: 0542-2222492. VELLORE : SBI
Funds Management Ltd, AKT Complex , First Floor, No 1/3,New Sankaran Palayam Road,
Tolgate, Vellore-632001, Tamil Nadu. Tel No-0416 - 2225005. VERSOVA : SBI Funds Management
Limited, Shop No.12, Kabra Metro One, Pratap CHS Ltd, J. P. Road, Versova, Andheri (West),
Mumbai – 400 053, Phone no: 022 – 26300155 / 022 – 26300156. Email id:
[email protected] VISHAKAPATNAM: SBI Funds Management Ltd, Ground Floor, Plot No-
101, Kotu Empire, Near SBI Overseas Branch Balaji Nagar, VIP Road CBM Compound,
Visakhapatnam – 530003 Andhra Pradesh, Tel No : 0891-2511853, Email ID:
[email protected] : SBI Funds Management Ltd, Thakkar Tower, Shop no 3,
Sector 17, near Saraswat Bank, Vashi, Navi Mumbai - 400703, Tel : 022-27801018 / 27801016.
VIZIANAGARAM: SBI Funds Management . Ltd. C/o SBI Main Branch, M G Road, Vizianagaram
- 535001, Andhra Pradesh. Phone No: 08922275439 Email Id: [email protected],
VIZIANAGARAM: 1st Floor, Door No. 9-6-10,Dr. Seshagiri Rao Complex, Beside Lions Club,
Ananda Gajapathi Road, Vizianagaram – 535001, Phone No:08922-275439, Email ID:
[email protected] WARANGAL: SBI Funds Management Ltd, # 2-4-646/F 23 to 25,
1st Floor, ABK Mall, Old Bus Depot Road, Ramnagar, Hanamkonda,Warangal-506001, Telangana.
Phone No:0870-2430307 Email ID: [email protected] YAMUNANAGAR 486 - L,
Ground Floor, Opposite Deepak Pustak Bhandar, Model Town, Yamunanagar – 135001, Haryana.
Phone No: 01732-295044 Email ID: [email protected] 115, First Floor, A1 North
Block, Bahu Plaza, Jammu-180012 Phone No : 0191-2474975 Email ID : [email protected]

CAMS INVESTOR SERVICE CENTRES / CAMS TRANSACTION POINTS

AHMEDABAD: 111-113,1st Floor - Devpath Building, Off: C G Road, Behind Lal Bungalow, Ellis
Bridge, Ahmedabad – 380006 Tel: 079-30082468/69. AGARTALA: CAMS Service Centre.
Nibedita, 1st Floor, JB Road Palace Compound, Agartala, Near Babuana Tea and Snacks, Tripura
West – 799001. Phone No: 9436761695 , 0381-2323009 Email id: [email protected].
AGRA: No. 8, II Floor, Maruti Tower, Sanjay Place, Agra-282002, Tel: 0562-324 2267.
AHMEDNAGAR: B, 1+3, Krishna Enclave Complex, Near Hotel Natraj, Nagar- Aurangabad Road,
Ahmednagar -414 001, Tel: 241-6450282. AJMER: AMC No. 423/30, Near Church,
Brahampuri,Opp T B Hospital, Jaipur Road, Ajmer-305001, Tel: 0145-329 2040. AKOLA :Opp.
RLT Science College, Civil Lines, Akola-444001, Tel: 724-3203830. ALIGARH: City Enclave, Opp.
Kumar Nursing Home, Ramghat Road, Aligarh-202001, Tel: 571-3200301. ALLAHABAD: 30/2,
A&B, Civil Lines Station, Besides Vishal Mega Mart, Strachey Road, Allahabad-211001, Tel: 0532-
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329 1274. ALLEPPEY: Doctor’s Tower Building, Door No. 14/2562, 1st floor, North of Iorn Bridge,
Near Hotel Arcadia Regency, Alleppey-688011, Tel: 477-3209718. ALWAR: 256A, Scheme No:1,
Arya Nagar, Alwar-301001, Tel: 0144-3200451. AMARAVATI : 81, Gulsham Tower, 2nd Floor, Near
Panchsheel Talkies, Amaravati-444601, Tel: 0721-329 1965. AMBALA: Shop No.4250, Near B D
Senior Secondary School, Ambala Cantt, Ambala – 133001, Haryana. Email id:
[email protected] AMRITSAR: 3rd Floor Bearing Unit no- 313, Mukut House, Amritsar
– 143001.Email Id: [email protected] Phone No: 0183-5009990AMRELI: B1,1st Floor,
Mira Arcode, Library Road, Opp SBS Bank, Amreli-365601, Gujarat. Email:
[email protected] Phone no: 02792-220792 ANAND: 101, A.P. Tower, B/H,
SardharGunj, Next to Nathwani Chambers, Anand-388001, Tel: 02692-325071. ANANTAPUR: 15-
570-33, I Floor, Pallavi Towers, Anantapur, Anantapur -515 001, Tel: 8554-326980, 326921.
ANGUL: Similipada, Near Sidhi Binayak+2 Science College, Angul – 759122. ANDHERI : 351,
Icon, 501, 5th floor, Western Express Highway, Andheri (East), Mumbai - 400069, Tel:
7303923299. ANKLESHWAR: Shop No - F -56, First Floor,Omkar Complex, Opp Old
Colony,NrValia Char Rasta, GIDC, Ankleshwar- Bharuch -393002, Tel: 02646-310207.
ARAMBAGH: Mukherjee Building, First Floor, Beside MP Jewelers, Next to Mannapuram
Ward No 5 Link Road, Arambagh, Hoogly-712601,West Bengal, Phone no: 07548048948 Email
id: [email protected] ARRAH: Old NCC Office, Ground Floor, Club Road, Arrah –
802301, Email id: [email protected]. ASANSOL: Block – G 1st Floor, P C Chatterjee
Market Complex, RambandhuTalab P O Ushagram, Asansol-713303, Tel: 0341- 2316054.
AURANGABAD : 2nd Floor, Block No. D-21-D-22, Motiwala Trade Center, Nirala Bazar, New
Samarth Nagar, Opposite HDFC Bank, Aurangabad – 431001, Tel: 0240-6450226. BAGALKOT:
1st floor, E Block Melligeri Towers, station road, Bagalkot-587101, Tel: 8354-225329. BAGALKOT:
Shop No.02 1st Floor, Shreyas Complex, Near Old Bus Stand, Bagalkot-587101, Karnataka.
Email: [email protected] Phone no: 8354-220909 BALASORE: B C Sen Road,
Balasore-756001, Tel: 06782-326808. BANGALORE: Trade Centre, 1st Floor, 45, Dikensen Road,
(Next to Manipal Centre), Bangalore-560 042, Tel: 080-3057 4709, 3057 4710, 30578004,
30578006. BANGALORE:First Floor, 17/1, (272), 12th Cross Road, Wilson Garden, Bangalore –
560027 Email: [email protected] .Phone no: 09513759058.BANKURA: 1stFloor,
Central Bank Building, Machantala, Post Office & District Bankura, West Bengal -722101. Email:
[email protected] Tel. no. 03242 - 252668. BAREILLY: D-61, Butler Plaza, Civil Lines,
Bareilly- 243001, Phone No.: 0581-6450121. BARASAT: N/39, K.N.C Road, 1st Floor, Shri krishna
Apartment, Behind HDFC Bank Barasat Branch, Post Office and Police Station Barasat, 24PGS
(North), West Bengal – 700124. Email Id: [email protected] BARDOLI: F-10, First
Wings, Desai Market, Gandhi Road, Bardoli-394601. Gujarat. Email: [email protected]
Phone no: 08000791814 BALURGHAT: Narayanpur, Near Balurghat Bus Stand, P.O & P.S –
Balurghat, District Dakshin Dinajpur, West Bengal – 733101, Phone No.: 0967901bori3116.
BASTI: Office no 3, Ist Floor, Jamia Shopping Complex, (Opposite Pandey School), Station Road,
Basti-272002, Tel: 5542-327979. Basirhat : CAMS Service Center Apurba Market, Ground Floor,
Vill Mirjapur, Opposite Basirhat College, Post Office at Basirhat College, North Parganas 24,
Basirhat – 743412 BELGAUM: Classic Complex, Block no 104, 1st Floor, Saraf Colony, Khanapur
Road, Tilakwadi, Belgaum - 590 006, Phone No.: 09243689047. BELLARY: 18/47/A, Govind
Nilaya, Ward No 20, Sangankal Moka Road, Gandhinagar, Ballari - 583102 Email:
[email protected] Phone no: 6361070264. BERHAMPUR: Kalika Temple Street,
Besides SBI BAZAR Branch, Berhampur-760 002, Ganjam, Odisha Tel: 9238120071.BHADRAK:
Das & Das Complex, 1st Floor, By Pass Road, Opposite to Vishal Mega Mart, Chhapulia, Bhadrak,
Odisha – 756100 Phone No – 8093319512 E-mail Id- [email protected]. JEYPORE;
SBI Funds Management Limited 1/2666, Infront of Sadar Thana, NH-26, Jagadhatripura, Jeypore,
District: Koraput - 764001, Odisha. Phone no: 06854451707 Email id: [email protected]
BHAGALPUR: Ground Floor, Gurudwara Road, Near Old Vijaya Bank, Bhagalpur –
812001.Phone No: 9264499905email Id: [email protected]. BHARUCH (PARENT:
ANKLESHWAR TP): A-111, 1st First Floor, R K Casta, Behind Patel Super Market, Station Road,
Bharuch - 392001, Gujarat. Phone No: 098253 04183. BHATINDA: 2907 GH,GT Road, Near
ZilaParishad, BHATINDA, BHATINDA-151001, Tel: 164-3204511. BHAVNAGAR: 501 – 503,

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Bhayani Skyline, Behind Joggers Park, Atabhai Road, Bhavnagar-364002, Tel:0278-2225572,
Email id: [email protected] BHILAI: First Floor, Plot No. 3, Block No. 1, Priyadarshini
Parisar West, Behind IDBI Bank, Nehru Nagar, Bhilai-490020, Tel: 9203900630 / 9907218680.
BHILWARA: Indraparstha tower, Second floor, Shyamkisabjimandi, Near Mukharji garden,
Bhilwara-311001, Tel: 01482-231808, 321048. BHOPAL: Plot no 10, 2nd Floor, Alankar Complex,
Near ICICI Bank, MP Nagar, Zone II, Bhopal-462011, Tel: 0755-329 5873. BHUBANESWAR: Plot
No - 111, Varaha Complex Building, 3rd Floor, Station Square, KharvelNagar,Unit 3, Bhubaneswar-
751 001, Tel: 0674-325 3307, 325 3308. BHUJ: Tirthkala First Floor, Opp. BMCB Bank, New
Station Road, Bhuj, Kachchh – 370001, Gujarat Phone No: 02832-45031 Email:
[email protected] BHUSAWAL (PARENT: JALGAON TP): 3, Adelade Apartment,
ChristainMohala, Behind Gulshan-E-Iran Hotel, Amardeep Talkies Road, Bhusawal, Bhusawal-
425201, BIHAR:. C/O Muneshwar Prasad, Sibaji Colony, SBI Main Branch Road, Near Mobile
Tower, Purnea - 854301, Bihar.E-mail- [email protected] BIHAR SHARIF : R&C Palace,
Amber Station Road, Opp. Mamta Complex, BiharSharif-803101, Nalanda, Tel no.- 06112–235054
BIJAPUR: 1st floor, Gajanan Complex, Azad Road, Bijapur-586101, Tel: 8352-259520. BIJAPUR:
Padmasagar Complex,1st floor, 2nd Gate, Ameer Talkies Road, Vijayapur – 586101, Bijapur Phone
No: 083 52259520. Email Id: [email protected]. BIKANER: Behind Rajasthan patrika, In
front of Vijaya Bank,1404, Amar Singh Pura, Bikaner-334001, Tel: 9214245819. BILASPUR: Shop
No. B - 104, First Floor, Narayan Plaza, Link Road, Bilaspur - 495001, Chattisgarh, Tel:
9203900626. BOHOROMPUR: 107/1, A C Road, Ground Floor, Bohorompur, Murshidabad, West
Bengal – 742103.West Bengal. Tel: 08535855998 BOKARO: 1st Floor, Plot No. HE-7 City Centre,
Sector 4, Bokaro Steel City, Bokaro- 827004, Jharkhand, India, Tel: 06542 – 359182 Email
Id:[email protected] BONGAIGAON: G.N.B.Road, Bye Lane, Prakash Cinema,PO &
Dist. Bongaigaon-783380, Assam.Email: [email protected] Phone no: 03664-230008
BOLPUR: Room No. FB26, 1st Floor, Netaji Market, Bolpur, West Bengal – 731204, Phone No.:
09800988054. BORIVALI: 501 -Tiara CTS 617, 617/1-4, Off Chandavarkar Lane, Maharashtra
Nagar, Borivali West, Mumbai -400092. Email ID: [email protected] Phone No.: 022 –
28900132. BURDWAN: 399, G T Road, Basement,Talk of the Town, Burdwan - 713101, West
Bengal, Tel: 0342- 3551397,Email ID- [email protected] CALICUT: 29/97G 2nd Floor,
Gulf Air Building, Mavoor Road, Arayidathupalam, Calicut-673016, Tel: 0495-325 5984.
CHAIBASA : CAMS Service Centre Gram - Gutusahi under the Nimdih Panchayat, Post office
Chaibasa, Muffasil Thana, District - West Singhbhum, Jharkhand - 833201.Email ID -
[email protected] Phone No - 9437340883 CHANDIGARH: Deepak Tower, SCO 154-
155,1st Floor, Sector 17-C, Chandigarh-160 017, Tel: 0172-304 8720, 304 8721, 304 8722,
3048723. CHANDRAPUR: Opposite Mustafa Décor,Near Bangalore Bakery, Kasturba Road,
Chandrapur-442402, Tel: 7172-253108. CHENNAI: Ground Floor No.178/10, Kodambakkam High
Road, Opp. Hotel Palmgrove, Nungambakkam, Chennai-600 034, Tel: 044-39115 561, 39115 562,
39115 563, 39115 565. CHENNAI:Rayala Towers, 158, Anna Salai, Chennai – 600002 Tel: 044
30407236. CHENNAI: III Floor, B R Complex, No.66, Door No. 11A, Ramakrishna Iyer Street, Opp.
National Cinema Theatre, West Tambaram, Chennai – 600 045. Email:
[email protected] Phone no: 044-22267030 / 29850030. CHHINDWARA: Shop No. 01,
Near Puja Lawn, Parasia Road, Chhindwara - 480 001, Madhya Pradesh, Tel No: 9203900507.
CHIDAMBARAM: Shop No. 1 & 2,saradaram complex door no 6-7, Theradikadai street,
Chidambaram, Chidambaram-608001, Tel: 4144-221746. CHITTORGARH: 3 Ashok Nagar, Near
Heera Vatika, Chittorgarh -312001, Tel: 1472-324810. COCHIN: Ittoop’s Imperial Trade Center,
Door No. 64/5871 – D, 3rd Floor, M. G. Road (North), Cochin-682 035, Tel: 0484-323 4658.
Cochin: Modayil Building,Door No. 39/2638 DJ,2nd Floor, 2A, M. G. Road,Cochin – 682 016
COIMBATORE: No 1334; Thadagam Road, Thirumoorthy Layout, R.S. Puram, Behind
Venkteswara Bakery, Coimbatore – 641002, Tel: 0422-2434355/53. COOCHBEHAR: N. N. Road,
Power House Choupathi, Coochbehar – 736101, West Bengal, Tel. no.: 9378451365.CUTTACK:
Near Indian Overseas Bank, Cantonment Road, Mata Math, Cuttack-753001. DARBHANGA:
Ground Floor, Shyam Kunj, 2- Girindra Mohan Road, Near Radio Station, Darbhanga-846004
Bihar,Tel: 06272245004, Email ID: [email protected], DAVENEGERE: 13, Ist Floor,
AkkamahadeviSamaj Complex, Church Road, P.J.Extension, Devengere-577002, Tel: 08192-

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326226. DEHRADUN: 204/121 NariShilpMandirMarg, Old Connaught Place, Dehradun-248001,
Tel: 0135-325 8460. DEOGHAR: S S M Jalan Road, Ground floor, Opp. Hotel Ashoke, Caster
Town, Deoghar-814112, Tel: 6432-320227. DEWAS: 11 Ram Nagar - 1st Floor, A. B. Road, Near
Indian- Allahabad Bank, Dewas – 455001, Madhya Pradesh. Phone No: 07272 – 403382 Email
Id: [email protected]: Urmila Towers, Room No: 111(1st Floor), Bank More,
Dhanbad-826001, Tel: 0326-2304675. DHARMAPURI :16A/63A, Pidamaneri Road, Near Indoor
Stadium, Dharmapuri, Dharmapuri -636 701, Tel: 4342-310304. DHULE: House No. 3140, Opp
Liberty Furniture, Jamnalal Bajaj Road, Near Tower Garden, Dhule – 424001, Tel No: 02562 –
640272. DIBRUGARH: Amba Complex,Ground Floor,H S Road,Dibrugarh-786001. DIMAPUR:
MM Apartment,House No; 436 (Ground Floor), Dr. Hokeshe Sema Road, Near Bharat Petroleum,
Lumthi Colony, Opposite T.K Complex, Dimapur – 797112, Nagaland Email:
[email protected]: Plot No. 3601, Nazrul Sarani, City Centre, Durgapur-
713 216, Tel: 0343-2545420/30. DWARKA: SBI Funds Management Limited, Plot No. 447, 2nd
Floor, Sector - 19, Dwarka – 110075, Delhi. Phone no: 9999379462 Landline: 011- 42670074
Email id: [email protected] ELURU: 22B-3-9, Karl Marx Street, Powerpet, Eluru, Andhra
Pradesh - 534002. Tel: 08812 – 231381 ERODE: 197, Seshaiyer Complex, Agraharam Street,
Erode-638001, Tel: 0424-320 7730. FAIZABAD: 9/1/51, Rishi Tola, Fatehganj, Ayodhya, Faizabad
Uttar Pradesh–22400, Email Id: [email protected] FARIDHABAD: LG3, SCO 12 Sector
16, Behind Canara Bank, Faridabad – 121002 Phone No: 0129-4320372 Email id:
[email protected] FIROZABAD: First Floor, Adjacent to Saraswati Shishu Mandir
School, Gaushala, Near UPPCL Sub Station,(Gandhi Park), Company Bagh, Chauraha, Firozabad
– 283203,Email Id: [email protected] GANDHIDHAM: Shyam Sadan, First Floor, Plot
No 120,Sector 1/A, Gandhidham - 370201 Phone No: 02836 233220 Email Id:
[email protected]. GANDHINAGAR: M-12 Mezzanine Floor, Suman Tower, Sector 11,
Gandhinagar – 382011. Tel: 079-23240170. GANGTOK: House No: GTK /006/D/20(3), Near
Janata Bhawan, Diesel Power House Road (D.P.H. Road), Gangtok - 737101, Sikkim. Phone No:
03592-202562 Email: [email protected] GAYA: C/O Sri Vishwanath Kunj, Ground
Floor, Tilha Mahavir Asthan, Gaya – 823001.Phone No: 9472179424 Email Id:
[email protected] GHAZIABAD: First Floor C - 10 RDC Rajnagar, Opposite Kacheri
Gate No.2 Ghaziabad – 201002.Phone No: 0120 – 6510540 Email Id:
[email protected]: Lawande Sarmalkar Bhavan, 1st Floor, Office No. 2 Next to
Mahalaxmi Temple, Panaji, Goa - 403 001, Tel: 0832- 6450439. GODHRA: 1st Floor, Prem Praksh
Tower, B/H B.N.Chambers, Ankleshwar Mahadev Road, Godhra – 389001, Gujarat Email:
[email protected] Phone no: 08000724711GONDAL (PARENT RAJKOT): A/177,
Kailash Complex, Opp. Khedut Decor, GONDAL-360 311, Tel: 0281-329 8158. GORAKHPUR:
Shop No. 3, Second Floor, The Mall, Cross Road, A.D. Chowk, Bank Road, Gorakhpur-273001,
Tel: 0551-329 4771. GORAKHPUR : CAMS SERVICE CENTRE UNIT NO-115, FIRST FLOOR,
VIPUL AGORA BUILDING, SECTOR-28, MEHRAULI GURGAON ROAD, CHAKKAR PUR
GURGAON - 122001 EMAIL ID: [email protected] PHONE NO: 0124-4048022
GREATER NOIDA: SBI Funds Management Limited, Tradex Tower No.1, Ground Floor, Shop
No. G11 & G12, Plot No. 3B, Alpha Commercial Belt, Sector Alpha- 1, Greater Noida – 201308,
Uttar Pradesh Phone no: 9717728766 Email id: [email protected] GULBARGA:
Pal Complex, Ist Floor, Opp. City Bus Stop, Super Market, Gulbarga, Gulbarga-585 101, Tel: 8472-
310119. GUNTUR: Door No 5-38-44, 5/1 BRODIPET, Near Ravi Sankar Hotel, Guntur-522002,
Tel: 0863-325 2671. GURGAON: UNIT NO-115, First Floor, Vipul Agora Building, Sector-28,
Mehrauli Gurgaon Road, Chakkar Pur Gurgaon – 122001 Email Id:[email protected]
Phone No.0124-4048022. GUWAHATI: Piyali Phukan Road, K. C. Path, House No – 1, Rehabari,
Guwahati – 781008, Phone No.: 07896035933. GWALIOR: G-6 Global Apartment, KailashVihar
Colony, Opp. Income Tax Office, City Centre, Gwalior-474002, Tel: 0751-320 2311. HALDIA: 2nd
Floor, New Market Complex, 2nd Floor, New Market Complex, Durgachak Post
Office,PurbaMedinipur District, Haldia, Haldia-721 602, Tel: 3224-320273. HALDWANI: Durga City
Centre, Nainital Road, Haldwani, Haldwani -263139, Tel: 5946-220526/222925 Emai:
[email protected]. HARIDWAR: F – 3, Hotel Shaurya, New Model Colony, Haridwar,
Uttarkhand – 249408, Email id: [email protected]. HASSAN: 'PANKAJA', 2nd Floor,
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Near Hotel Palika, Race Course Road, Hassan-573201, Karnataka. Email:
[email protected] Phone no: 08172-297205 HAZARIBAG: Municipal Market,
AnnandaChowk, Hazaribagh, Hazaribagh-825301, Tel: 6546-320250. HIMMATNAGAR: Unit No.
326, Third Floor, One World-1,Block-A,Himmatnagar-383001,Gujarat,Phone No:
02772244332,Email id:[email protected] HISAR: 12, Opp. Bank of Baroda, Red
Square Market, Hisar, Hisar-125001, Tel: 1662-329580. HOSHIARPUR :NearArchies Gallery,
Shimla PahariChowk, Hoshiarpur, Hoshiarpur-146 001, Tel: 1882-321082. HOSUR:No.9/2, 1st
Floor,Attibele Road, HCF Post,Behind RTO Office, Mathigiri, Hosur – 635110,Tel: 04344-645010.
HUBLI: No.204 - 205, 1st Floor, ‘ B ‘ Block, Kundagol Complex, Opp. Court, Club Road, Hubli-
580029, Tel: 0836-329 3374. HYDERABAD: 208, II Floor, Jade Arcade, Paradise Circle,
Secunderabad-500 003, Tel: 040-3918 2471, 3918 2473, 3918 2468, 3918 2469. INDORE: 101,
Shalimar Corporate Centre, 8-B, South tukogunj, Opp.Greenpark, Indore-452 001, Tel: 0731-325
3692, 325 3646. Ichalkaranji ; 12/179, Bairagdar Building, Behind Congress Committee Office,
Ichalkaranji. – 416115, Maharashtra. Phone No. 8830989955 Email Id: [email protected]
JABALPUR: 8, Ground Floor, Datt Towers, Behind Commercial Automobiles, Napier Town,
Jabalpur-482001, Tel: 0761-329 1921. JAIPUR: R-7, YudhisthirMarg, C-Scheme, Behind Ashok
Nagar Police Station, Jaipur-302 001, Tel: 0141-326 9126, 326 9128, 5104373, 5104372.
JALANDHAR: 144, Vijay Nagar, Near Capital Small Finance Bank,Football Chowk, Jalandhar City
– 144001 Phone No: 0181 – 2452336 Email Id: [email protected] JALGAON:
RustomjiInfotech Services, 70, Navipeth, Opp. Old Bus Stand, Jalgaon-425001, Tel: 0257-
3207118. JALNA : Shop No 6, Ground Floor, Anand Plaza Complex, Bharat Nagar,ShivajiPutla
Road, Jalna, Jalna-431 203, Tel: - JALPAIGURI : Babu Para, Beside Meenaar Apartment, Ward
No VIII, Kotwali Police Station, Post Office & District : Jalpaigur – 735101, West Bengal. JAMMU:
JRDS Heights, Lane Opp. S&S Computers, Near RBI Building, Sector 14, Nanak Nagar, Jammu-
180004, Tel: 09205432061, 2432601. JAMNAGAR: 217/218, Manek Centre, P.N. Marg,
Jamnagar-361008, Tel: 0288-3206200. JAMSHEDPUR: Tee Kay Corporate Towers, Third Floor,
S B Shop Area, Main Road, Bistupur, Jamshedpur-831001, Jharkhand, Tel: 0657-2320015, Email
id: [email protected] JAUNPUR :248, FORT ROAD, Near AMBER HOTEL, Jaunpur -
222001, Tel: 5452-321630. JHANSI: 372/18 D, 1st Floor, Above IDBI Bank, Beside V-Mart, Near
"RASKHAN", Gwalior Road, Jhansi – 284001, Tel: 9235402124/ 7850883325. JODHPUR: 1/5,
Nirmal Tower, IstChopasani Road, Jodhpur-342003, Tel: 0291-325 1357. JORHAT: Jail road,
Dholasatra,Near Jonaki Shangha Vidyalaya,Post Office – Dholasatra, Jorhat – 785001, Assam,
Tel : 0376-2932558. JORHAT: Singh building, Ground Floor, C/o-Prabhdeep Singh, Punjabi Gali,
Opposite V-mart, Gar Ali, PO & PS, Jorhat – 785 001, Assam. Phone No: 7086113787, Email id:
[email protected] JUNAGADH: “AASTHA PLUS”, 202-A, 2nd floor, Sardarbag road,
Near Alkapuri, Opp. Zansi Rani Statue, Junagadh – 362001, Gujarat, Tel: 0285-6540002.
KALYAN: CAMS Service Centre. Office No 413, 414, 415, 4th Floor, Seasons Business Centre,
Opposite KDMC (Kalyan Dombivli Municipal Corporation), Shivaji Chowk, Kalyan West – 421 301.
Email id: [email protected] KADAPA: D.No: 3/2151/2152, Shop No: 4, Near Food
Nation, Raja Reddy Street, Kadapa – 516 001, Andhra Pradesh , Tel: : 08562-248695 Email:
[email protected] . KANGRA: Collage Road, Kangra, District Kangra-176001, Himachal
Pradesh.Email: [email protected] Phone no:01892-260089 KAKINADA: D No-25-4-
29,1st floor, Kommireddy Vari Street, Beside Warf Road, Opposite Swathi Medicals, Kakinada -
533001, Andhra Pradesh, Phone No.: 0884-6560102. KANNUR: Room No.14/435, Casa Marina
Shopping Centre, Talap, Kannur, Kannur-670004, Tel: 497-324 9382. KANPUR: I Floor 106 to 108,
CITY CENTRE Phase II, 63/ 2, THE MALL, Kanpur-208 001, Tel: 0512-3918003, 3918000,
3918001, 3918002. KARIMNAGAR: HNo.7-1-257, Upstairs S B H, Mangammathota, Karimnagar,
Karimnagar -505 001, Tel: 878-3205752, 3208004. KARNAL 29, Avtar Colony,Behind Vishal Mega
Mart, Karnal – 132001, KARUR: No. A5 75/1, Vaiyapuri Nagar, 2nd Cross, Karur -639 002, Tamil
Nadu., Tel: 4324-311329, E-mail – [email protected] . KASARAGOD : KMC XXV/88, I,
2nd Floor, Stylo Complex, Above Canara Bank, Bank Road, Kasaragod – 671121. Tel: 04994-
224326 KASHIPUR: Dev Bazar, Bazpur Road, Kashipur-244713
Email:[email protected] KATNI: 1st FLOOR, GURUNANAK DHARMAKANTA, Jabalpur
Road, BARGAWAN, KATNI-483 501, Tel: 7622-322104. KATIHAR: C/o, Rice Education and IT
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Centre, Near Wireless Gali, Amla Tola Road, Katihar, Bihar – 854105. E-mail -
[email protected] KESTOPUR: S.D. Tower, Sreeparna Apartment, AA-101, Prafulla
Kannan (West), Shop No. 1M, Block –C (Ground Floor), Kestopur – 700101, Kolkata. KHAMMAM
: Shop No: 11 - 2 - 31/3, 1st floor, Philips Complex, Balajinagar, Wyra Road, Near Baburao Petrol
Bunk, KHAMMAM-507 001, Tel: 8742-323973. KHARAGPUR: Silver Palace, OT Road, Inda-
Kharagpur, G.P-Barakola, P.S- Kharagpur Local – 721305, District West Midnapore, Phone No.:
9800456034. KOLHAPUR: 2 B, 3rd Floor, Ayodhya Towers, Station Road, Kolhapur-416001, Tel:
0231-3209 356. KOLKATA:CAMS COLLECTION CENTER 3/1, R.N. Mukherjee Road, 3rd Floor,
Office space -3C, “Shreeram Chambers” Kolkata -700 001. KORBA: KH. No. 183/2G, Opposite
Blue Diamond The Hotel, T.P. Nagar, Korba, 495677 Chhattisgarh. Phone No: 7759 356037 Email
id: [email protected] KOTA: B-33 ‘KalyanBhawan, Triangle Part, Vallabh Nagar, Kota-
324007, Tel: 0744-329 3202. KOTTAYAM: Thamarapallil Building, Door No - XIII/658, M L Road,
Near KSRTC Bus Stand Road, Kottayam – 686001, Phone No.: 9207760018. KRISHNANAGAR:
R.N Tagore Road,In front of Kotwali P. S.,Krishnanagar, Nadia.Pin-741101 KUMBAKONAM: No.
28/8, 1st Floor, Balakrishna Colony, Pachaiappa Street, Near VPV Lodge, Kumbakonam, Tamil
Nadu - 612001. Email ID: [email protected] Phone No.: 0435-2403747 KURNOOL:
Shop Nos. 26 and 27, Door No. 39/265A and 39/265B, Second Floor, Skanda Shopping Mall, Old
Chad Talkies, Vaddageri,39th Ward, Kurnool - 518001, Andhra Pradesh. Tel: 08518-650391.
KUKATPALLY: No. 15-31-2M-1/4, 1st Floor, 14-A, MIG, KPHB Colony, Kukatpally, Hyderabad –
500072. LUCKNOW: Office no,107,1st floor, Vaishali Arcade Building, Plot no 11, 6 Park Road,
Lucknow – 226001, Uttar Pradesh. Phone No: 0522 – 4007938 Email Id:
[email protected]: U/ GF, Prince Market, Green Field, Near Traffic Lights,
Sarabha Nagar Pulli, Pakhowal Road, Ludhiana-141 002, Tel: 0161-301 8000, 301 8001.
MADURAI: Shop No 3, 2nd Floor, Suriya Towers, 272/273 - Goodshed Street, Madurai - 625001.
Phone No.: 0452- 4983515 Email ID: [email protected] MANDI: 328/12, Ram Nagar,
1st Floor, Above Ram Traders, Mandi - 175001. Email: [email protected] MANDI
GOBINDGARH: Opp State Bank Of India ,Harchand Mill Road,Motia Khan, Mandi Gobindgarh -
147301, Punjab. Email: [email protected] Phone no: 01765-506175
MAHABUBNAGAR: H.No: 14-3-178/1B/A/1,Near Hanuman Temple, Balaji Nagar, Boothpur
Road, Mahabubnagar- 509001, Telengana, Tel : 08542-222529, Email:
[email protected] Tel : 09440033182 MALAPPURAM: Kadakkadan Complex,Opp
central school,Malappuram-676505, Kerala.Email: [email protected] Phone no: 483-
2737101 MALDA: Daxhinapan Abasan, Opp Lane of Hotel Kalinga, SM Pally, Malda, Malda-732
101, Tel: 351- 2269071 / 03512 -214335. MANDI GOBINDGARH: Opp State Bank Of India
,Harchand Mill Road,Motia Khan, Mandi Gobindgarh -147301, Punjab Email:
[email protected] Phone no: 01765-506175 MANGALORE: 14-6-674/15(1), shop no
-UG11-2, Maximus complex, light house hill road, Mangalore- 575 001, Karnataka, Tel: 0824-
4627561, Email Id: [email protected]: Shop No. A2, Basement Floor,
Academy Tower, Opp. Corporation Bank,Manipal – 576104. Email id: [email protected]
Phone No: 9243689046 MAPUSA (PARENT ISC : GOA): Office No 503, Buildmore Business
Park, New Canca By Pass Road, Ximer, Mapusa – 403 507, Goa.. MARGAO: F4 - Classic
Heritage, Near Axis Bank, Opposite BPS Club, Pajifond, Margao, Goa - 403 601. Tel no.: 0832-
6480250, MATHURA: 159/160 Vikas Bazar, Mathura-281001, Tel: 0565-3207007. MEERUT: 108
Ist Floor Shivam Plaza, Opposite Eves Cinema, Hapur Road, Meerut -250002, Tel: 0121-325 7278.
MEHSANA: 1st Floor, Subhadra Complex, Urban Bank Road, Mehsana, Mehsana-384 002, Tel:
2762-323985, 323117. MIRZAPUR: Ground Floor, Canara Bank Building, Dhundhi Katra, Mirzapur
– 231001, Uttar Pradesh. Phone No: 05442 – 220282 Email Id: [email protected]
MIRAZAPUR: First Floor, Canara Bank Building, Dhundhi Katra, Mirzapur – 231001, Uttar
Pradesh. Email: [email protected] Phone no: 5442 – 220282 MOGA: Gandhi Road,
Opp Union Bank of India, Moga, Moga-142001, Tel: 1636-310088. MOGA: Street No 8-9 Center,
Aarya Samaj Road, Near Ice Factory. Moga -142 001, Punjab, Phone no:01636 – 513234,
Email: [email protected] MORADABAD: H 21-22, Ist Floor,Ram Ganga Vihar
Shopping Complex, Opposite Sale Tax Office, Moradabad - 244 001,Tel: 0591- 6450125.
MUMBAI: Rajabahdur Compound, Ground Floor, Opp Allahabad Bank, Behind ICICI Bank, 30,

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Mumbai SamacharMarg, Fort, Mumbai-400 023, Tel: 022-30282468, 30282469, 30282471,
65257932. MUZZAFARPUR: Brahman toli, Durgasthan, Gola Road, Muzaffarpur-842001, Tel:
9386350002. MUZAFFARNAGAR: 235, Patel Nagar, Near Ramlila Ground, New Mandi,
Muzaffarnagar-251001 Email: [email protected] Phone no:131 - 2442233/
09027985915 MYSORE: No.1, 1st Floor, CH.26 7th Main, 5th Cross, (Above Trishakthi Medicals),
SaraswatiPuram, Mysore-570009, Tel: 0821-3294503. MANCHERIAL 3 – 407 / 40 – 4, Basement
Floor, Royal Enfield Show Room Building, Bellampally Road, Mancherial – 504302, Telangana.
Phone No - 08736-356325 E-mail - [email protected]. NADIAD (PARENT TP: ANAND
TP): F-134, First Floor, Ghantakarna Complex, Gunj Bazar, Nadiad - 387001, Gujrat.
NAGERCOIL: 47,Court Road, Nagercoil-629 001, Tel: 4652-229549. NAGPUR: 145 Lendra, New
Ramdaspeth, Nagpur-440 010, Tel: 0712-325 8275, 3258272, 2432447. NAGAON : Amulapathy,
V.B.Road, House No.315 ,Nagaon-782003, Assam.Email: [email protected] no:
03672-250111 NAMAKKAL: 156A / 1, First Floor, Lakshmi Vilas Building, Opp. To District Registrar
Office, Trichy Road, Namakkal, Namakkal-637001, Tel: 4286-322540. NALBARI: Ground Floor,
Allahabad Bank Building, Dhamdhama Road, Nalbari – 781335, Phone No.:
09854093901/09864033980. NALGONDA: 6-4-80,1st Floor, Above Allahabad Bank, Opposite To
Police Auditorium, VT Road, Nalgonda – 508001. E-mail- [email protected] NASIK: 1st
Floor, " Shraddha Niketan ", Tilak Wadi, Opp. Hotel City Pride, Sharanpur Road, Nashik - 422 002,
Phone No.: 0253 – 6450102. NANDED: Shop No.8,9 Cellar “Raj Mohammed Complex”, Main
Road, Sree Nagar, Nanded-431605, Phone No.: 9579444034. NAVSARI: 214-215, 2nd floor,
Shivani Park, Opposite Shankheswar Complex, Kaliawadi, Navsari – 396445, Gujarat, Tel:
02637 – 236164 Email: [email protected]. NELLORE: Shop No. 2, 1st Floor, NSR
Complex, James Garden, Near Flower Market,Nellore-524001, Tel: 0861-2302398, Email
[email protected]. NEW DELHI : 7-E, 4th Floor, DeenDayaal Research Institute Building,
Swami Ram Tirath Nagar, Near Videocon Tower Jhandewalan Extension, New Delhi -110 055, Tel:
011-30482468, 30588103, 30482468. New Delhi: Office Number 112, 1st Floor, Mahatta Tower, B
Block Community Centre, Janakpuri, New Delhi -110058. Email: [email protected]
Nizamabad: 5-6-208, Saraswathi Nagar, Opposite Dr. Bharathi Rani Nursing Home, Nizamabad
– 503001, Telangana. Tel: 08462 – 250018 NOIDA: Commercial Shop No.GF 10 & GF 38, Ground
Floor, Ansal Fortune Arcade, Plot No. K-82, Sector -18, Noida – 201301 Uttar Pradesh, Phone No:
0120-4562490, Email id: [email protected] ONGOLE: Shop No:1128, First Floor, 3rd
Line, Sri Bapuji Market Complex, Ongole – 523001, Andhra Pradesh. Tel: 08592 – 281514 Email
ID : [email protected] PALAKKAD: 10 / 688, Sreedevi Residency, Mettupalayam Street,
Palakkad, Palakkad-678 001, Tel: 491-3261114. PALANPUR: Gopal Trade Center, Shop No. 13-
14, 3rd Floor, Near BK Mercantile Bank, Opposite Old Gunj, Palanpur - 385001., Tel: 9228000472
Email: [email protected]. PANIPAT: 83, Devi Lal Shopping Complex, Opp ABN Amro
Bank, G.T.Road, Panipat-132103, Tel: 0180-325 0525, 400 9802. PATHANKOT: Ground Floor,
Saili Road, Adjoining Toys World, Pathankot – 145001, Punjab . Contact no- 9781118415
Email ID: [email protected] . PATIALA: 35, New LalBagh Colony, Patiala-147001, Tel:
0175-329 8926, 222 9633. PATNA: 301B, Third Floor, Patna One Plaza, Near Dak bungalow
Chowk, Patna- 800001, Bihar, Phone No: 0612-2999153, Email id:[email protected]
PONDICHERRY: S-8, 100, Jawaharlal Nehru Street, (New Complex, Opp. Indian Coffee House),
Pondicherry-605001, Tel: 0413-421 0030, 329 2468. PORT BLAIR C-101/2, 1st Floor, Near
Cottage Industries, Middle Point (Phoenix Bay), Port Blair - 744101, South Andaman, Andaman
and Nicobar Islands..Phone No: 03192-230306/230506 . Email Id: [email protected]
PUNE: Vartak Pride , 1st floor, Survay No 46, City Survay No 1477, Hingne Budruk D. P
Road, Behind Dinanath Mangeshkar Hospital, Karvenagar, Pune – 411052. Email id:
[email protected] PRATAPGARH: Opp Dutta Traders, Near Durga Mandir, Balipur,
Pratapgarh -230001, Uttar Pradesh. Email: [email protected] no: 5342-221941
PITAMPURA: Aggarwal Cyber Plaza-Ii, Commercial Unit No 371, 3rd Floor, Plot No C-7, Netaji
Subhash Place, Pitampura, New Delhi-110034. PURULIA- Anand Plaza, Shop No. 06, 2nd Floor,
Sarbananda Sarkar Street, Munsifdanga, Purulia – 723101, West Bengal, E-mail Id-
[email protected] PURI: Darji Pokhari Chakka, above OM Jewellers, Hospital Square,
Puri Town, Puri – 752001, Odisha. Email Id: [email protected] Phone No. 06752-

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459442 RAE BARELI: 17, Anand Nagar Complex, Rae Bareli, Rae Bareli -229001, Tel: 535-
3203360. RAIGANJ: Rabindra Pally, Beside Gitanjali Cinema Hall, P O & P S Raiganj, Dist - North
Dijajpur, Raiganj – 733134, West Bengal. RAIPUR: HIG,C-23, Sector - 1, Devendra Nagar, Raipur-
492004, Tel: 0771-3296 404, 3290830.RAIGAD: CAMS Service Centre 1st Floor, MIG - 25,
Blessed Villa, Lochan Nagar, Raigarh - 496001 , Chhattisgarh E-mail Id-
[email protected] RAJAHMUNDRY: Door No: 6-2-12, 1st Floor,RajeswariNilayam, Near
Vamsikrishna Hospital, NyapathiVari Street, T Nagar, Rajahmundry-533 101, Tel: 0883-325 1357.
RAJAPALAYAM: No 59 A/1, Railway Feeder Road, Near Railway Station, Rajapalayam,
Rajapalayam-626117, Tel: 4563-327520. RAJKOT: Office 207 - 210, Everest Building,
HariharChowk, OppShastriMaidan, LimdaChowk, Rajkot-360001, Tel: 0281-329 8158. RANCHI:
4, HB Road, No: 206, 2nd Floor ShriLok Complex, H B Road Near Firayalal, Ranchi-834001, Tel:
0651-329 8058. RATLAM: Dafria& Co, 18, Ram Bagh, Near Scholar’s School, Ratlam-457001,
Tel: 07412-324817. RATNAGIRI: Kohinoor Complex, Near Natya Theatre, Nachane Road,
Ratnagiri, Ratnagiri-415 639, Tel: 2352-322950. ROHTAK: SCO – 34, Ground Floor, Ashoka Plaza,
Delhi Road, Rohtak – 124001, Haryana, Phone No.: 09254303802. ROORKEE: 22 CIVIL LINES
GROUND FLOOR, HOTEL KRISH RESIDENCY, Roorkee, Roorkee-247667, Tel: 1332-312386.
ROURKELA: J B S Market Complex, 2nd Floor, Udit Nagar, Rourkela – 769012., Email:
[email protected]. REWA: Shop no. 112 First Floor, Anant Vaibhav, University Road,
Rewa, 486001, Madhya Pradesh. Email Id: [email protected] Phone No. 07662-
452095 SAGAR: Opp. Somani Automobiles, Bhagwanganj, Sagar, Sagar-470 002, Tel: 7582-
326894. SAHARANPUR: I Floor, Krishna Complex, Opp. Hathi Gate, Court Road, Saharanpur,
Saharanpur-247001, Tel: 132-2712507. SALEM: No.2, I Floor Vivekananda Street, New Fairlands,
Salem-636016, Tel: 0427-325 2271. SAMBALPUR: C/o Raj Tibrewal& Associates, Opp. Town
High School, Sansarak, Sambalpur-768001, Tel: 0663-329 0591. SANGLI :Jiveshwar Krupa
Bldg,Shop. No.2, Ground Floor, Tilak Chowk, Harbhat Road, Sangli – 416416, Tel: - 0233 –
6600510. SATARA: 117 / A / 3 / 22, ShukrawarPeth, Sargam Apartment, Satara-415002, Tel: 2162-
320989. SATNA: 1st Floor, Shri Ram Market, Beside Hotel Pankaj, Birla Road, Satna – 485 001,
Madhya Pradesh, Tel .07672 – 406996 SATNA: 1st Floor,Shri Ram Market,Beside Hotel
Pankaj,Satna-485001, Madhya Pradesh. Email: [email protected] Phone no:
07879036133 SHAHJAHANPUR: Bijlipura, Near Old Distt Hospital, Near Old Distt Hospital,
Shahjahanpur-242001, Tel: 5842-327901. SHAHJAHANPUR: SBI Funds Management Limited,
Krishna Complex, Townhall Road, Sadar Bazar, Shahjahanpur -242001, Uttar Pradesh Phone
no: 8400061251 Email id: [email protected] SHILLONG: D’Mar Shopping
Complex, Lakari Building, 2nd Floor, Police Bazar, Shillong-793001, Tel. no. : 0364-2502511.
SILCHAR: Usha Complex, Ground Floor, Punjab Bank Building, Hospital Road, Silchar-788005 ,
Phone No.: 03842-230407. SHIMLA: I Floor, Opp. PanchayatBhawan Main gate, Bus stand,
Shimla, Shimla -171001, Tel: 177-3204944. SHIMOGA: No.65 1st Floor, Kishnappa Compound,
1st Cross, HosmaneExtn, Shimoga - 577 201, Karnataka, Phone : 9243689049. SIKAR: C/O
Gopal Sharma & Company, Third Floor, Sukhshine Complex, Near Geetanjali Book depot, Tapadia
Bagichi, Sikar – 332001, Rajasthan. Email: [email protected] Phone no: 01572-240990
SILCHAR: House No. 18B, 1st Floor, C/o. Lt. Satyabrata Purkayastha, Opposite Shiv Mandir,
Landmark: Sanjay Karate Building, Near Isckon Mandir, Ambicapatty, Silchar - 788004, Assam.
Phone No: 03842-221228 Email Id: [email protected]: 78, Haren Mukherjee
Road, 1st floor, Besides SBI Hakimpara, Siliguri – 734001, Phone: 9735316555 , Tel: 9735316555.
SIRSA: Beside Overbridge, Next to Nissan car showroom, Hissar Road, Sirsa, Sirsa -125055, Tel:
1666-327248. SITAPUR: Arya Nagar, Near AryaKanya School, Sitapur, Sitapur-261001, Tel: 5862-
324356. SOLAN : 1st Floor, Above Sharma General Store, Near Sanki Rest house, The Mall,
Solan, Solan -173 212, Tel: 1792-321075. SOLAPUR: Flat No 109, 1st Floor, A Wing, Kalyani
Tower, 126 SiddheshwarPeth, Near Pangal High School, Solapur-413001, Tel: 0217-3204200.
SONEPAT: SCO-11-12,1st Floor, Pawan Plaza, Atlas Road, Subhash Chowk, Sonepat – 131001,
Email id: [email protected]. SEERAMPORE: 47/5/1, Raja Rammohan Roy Sarani, PO.
Mallickpara, Dist. Hoogly, Seerampore-712203, Tel No: 033 - 26628176. SRIGANGANAGAR: 18
L Block, Sri Ganganagar, Sri Ganganagar -335001, Tel: 154-3206580. SRIKAKULAM: Door No
10-5-65, 1st Floor, Dhanwanthri Complex, Kalinga Road, Opp. Chandramouli, Departmental Store,
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Near Seven Roads Junction, Srikakulam-532001,Andhra Pradesh Tel: 08942-228288,
Email Id:- [email protected]: 967, Civil Lines, Near Pant Stadium,
Sultanpur -228 001, Tel: 09389 403149. SURAT: Shop No – G - 5, International Commerce Center,
Near Kadiwala School, Majura Gate, Ring Road, Surat - 395002 Email:
[email protected] SURENDRANAGAR: Shop No. 12, M. D. Residency, Swastik Cross
Road, Surendranagar - 363001. Phone No: 02752-232599 Email Id: [email protected]
SURI: Police Line, Ramakrishnapally, Near Suri Bus Stand, Suri, West Bengal – 731101, Tel. no.
09333749633. TAMLUK: Behind Mass ClinicVill Padumbasan, Tamluk – 721636, Phone No.:
09800224303. TAMLUK: Holding No - 58, 1st Floor, Padumbasan, Ward No 10, Tamluk Maniktala
More, Beside HDFC Bank, Tamluk, Purba Medinipur,Tamluk- 721636, West Bengal E-mail Id -
[email protected] THANE: Dev Corpora, A Wing, 3rd floor, Office no.301, Cadbury
Junction, Eastern Express way, Thane (West) - 400 601, Maharashtra Phone No.: 022-62791000
Email id: [email protected] THIRUPPUR: 1(1), Binny Compound, II Street, Kumaran
Road, Thiruppur-641601, Tel: 0421-3201271. THIRUVALLA: 24/590-14, C.V.P Parliament Square
Building,Cross Junction, Thiruvalla – 689 101,Kerala, Tel no: 0469 – 6061004. TINSUKIA: Bangiya
Vidyalaya Road, Near Old Post Office Durgabari, Tinsukia, Assam - 786 125 Tel: 7896502265
email id: : [email protected]. TIRUNELVELI: No. F4, Magnem Suraksaa Apartments,
Thiruvananthapuram Road, Tirunelveli - 627002.Email : [email protected]. TIRUPATHI:
Door No : 18-1-597, Near Chandana Ramesh Showroom, Bhavani Nagar, Tirumala Byepass Road,
Tirupathi-517 501, Tel: 0877-3206887. TRICHUR: Room No. 26 & 27, DEE PEE PLAZA, Kokkalai,
Trichur-680001, Tel: 0487-325 1564. TRICHY: No 8, I Floor, 8th Cross West Extn, Thillainagar,
Trichy-620018, Tel: 0431-329 6909. TRIVANDRUM: TC NO: 22/902, 1st - Floor "BLOSSOM".
Building, opposite. NSS Karayogam, Sasthamangalam Village post office, Trivandrum, Kerala
Phone No: 0471-4617690 E-mail Id- [email protected]: C695010, Co.,
Renuka Rashmi Nilaya, 1st Floor, Opposite Sridevi Diagnostics, 1st Cross, M G Road, Tumkur –
572101.Email: [email protected] TUTICORIN: Ground Floor, Mani Nagar, Tuticorin,
Tuticorin, Tuticorin-628 008, Tel: 461-3209960. TEZPUR: Kanak Tower-1st Floor, Opposite IDBI
Bank/ICICI Bank, C. K. Das Road, Tezpur Sonitpur, Assam – 784001, Phone No.: 3712 – 225252.
Tamluk: Holding No - 58, 1st Floor, Padumbasan, Ward No 10, Tamluk Maniktala More, Beside
HDFC Bank, Tamluk, Purba Medinipur, Tamluk- 721636, West Bengal. E-mail Id-
[email protected] Udaipur 32, Ahinsapuri, Fatehpura circle,Udaipur – 313001 Email:
[email protected]: Guru Nanak Institute, NH-1A, Udhampur - 182101,
Jammu, Tel no: 191-2432601, UJJAIN :109, 1st Floor, Siddhi Vinanyaka Trade Centre, Saheed
Park, Ujjain -456 010, Tel: 734-3206291. UNJHA (PARENT: MEHSANA): 10/11, Maruti Complex,
Opp. B R Marbles, Highway Road, Unjha, Unjha -384 170, Tel: -. VADODARA: 103 Aries Complex,
BPC Road, Off R.C. Dutt Road, Alkapuri, Vadodara -390 007, Tel: 0265-301 8032, 301 8031.
VALSAD: 3rd floor, Gita Nivas, opp Head Post Office, Halar Cross Lane, Valsad-396001, Tel:
02632-324623. VAPI:208, 2nd Floor, Heena Arcade, Opp. Tirupati Tower, Near G.I.D.C, Char
Rasta, Vapi, Vapi-396195, Tel: 0260 - 6540104. VARANASI: Varanasi- Office no. 1, Second floor,
Bhawani Market, Building No. D-58/2-A1, Rathyatra, Beside Kuber Complex, Varanasi-221010,
Uttar Pradesh, VASCO(PARENT GOA): No DU 8, Upper Ground Floor, Behind Techoclean Clinic,
Suvidha Complex, Near ICICI Bank, Vasco da gama -403802, VASHI: BSEL Tech Park, B-505,
Plot no 39/5 & 39/5A, Sector 30A, Opp. Vashi Railway Station, Vashi, Navi Mumbai – 400705,
Email id: [email protected]. VELLORE: No.1, Officer’s Line, 2nd Floor, MNR Arcade,
Opp. ICICI Bank, Krishna Nagar, Vellore-632 001, Tel: 0416-3209017. VELLORE: Door No. 86,
BA Complex, 1st Floor, Shop No. 3, Anna Salai (Officer Line), Vellore – 632 001, Phone No.:0416
2900062,Email: [email protected] VIJAYNAGARAM: Portion 3, First Floor No:3-16,
Behind NRI Hospital,NCS Road, Srinivasa Nagar, Vijaynagaram-535003. Email:
[email protected] VIJAYAWADA: 40-1-68, Rao &Ratnam Complex, Near Chennupati
Petrol Pump, M.G Road, Labbipet, Vijayawada-520 010, Tel: 0866-329 9181, 329 5202.
VISAKHAPATNAM: CAMS Service Centre, Door No 48-3-2,Flat No 2, 1st Floor, Sidhi Plaza, Near
Visakha Library, Srinagar, Visakhapatnam - 530 016 , Phone No.: 0891 6502010.VIZAG: Flat
No.GF2, Door No.47-3-2/2, Vigneswara Plaza, 5th Lane, Dwarakanagar, Visakhapatnam -
530 016, Andhra Pradesh.Phone No: 0891 – 2791940 Email id: [email protected]

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WARANGAL: A.B.K Mall, Near Old Bus Depot Road, F-7, Ist Floor, Ramnagar, Hanamkonda,
Warangal – 506001, Tel. no. 0870 - 6560141. WARDHA: Opp. Raman Cycle Industries, Krishna
Nagar, Wardha – 442001, Maharashtra. Email: [email protected] Phone no: 7152-
242724 WAYANAD: 2nd Floor, AFFAS Building, Kalpetta, Wayanad – 673121. Phone no: 04936-
204248 Email: [email protected] YAMUNA NAGAR: 124-B/R Model Town,
Yamunanagar, Yamuna Nagar-135 001, Tel: 1732-316770. YAVATMAL: Pushpam, Tilakwadi, Opp.
Dr. Shrotri Hospital, Yavatma, Yavatmal-445 001, Tel: 7232-322780.

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