SCHEME INFORMATION DOCUMENT

BIRLA SUN LIFE T-20 FUND

(A Close ended Equity Scheme) Offer of units of Rs. 10/- each during the New Fund Offer. NEW FUND OFFER OPENS ON NEW FUND OFFER CLOSES ON The Trustee reserves the right to extend the closing date of the New Fund Offer Period, subject to the condition that the subscription of the New Fund Offer Period shall not be kept open for more than 45 days. NAME OF MUTUAL FUND BIRLA SUN LIFE MUTUAL FUND One India Bulls Centre, Tower 1, 17th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai - 400 013 Tel. 43568000 Fax No. 43568110/ 8111 Website www.birlasunlife.com NAME OF THE ASSET MANAGEMENT COMPANY BIRLA SUN LIFE ASSET MANAGEMENT COMPANY LIMITED One India Bulls Centre, Tower 1, 17th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai - 400 013 Tel. 43568000 Fax No. 43568110/ 8111 NAME OF THE TRUSTEE COMPANY BIRLA SUN LIFE TRUSTEE COMPANY PRIVATE LIMITED One India Bulls Centre, Tower 1, 17th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai - 400 013 Tel. 43568000 Fax No. 43568110/ 8111

The particulars of the Scheme have been prepared in accordance with the Securities and Exchange Board of India (Mutual Funds) Regulations 1996, (herein after referred to as SEBI (MF) Regulations) as amended till date, and filed with SEBI, along with a Due Diligence Certificate from the AMC. The units being offered for public subscription have not been approved or recommended by SEBI nor has SEBI certified the accuracy or adequacy of the Scheme Information Document. As required, a copy of this Scheme Information Document has been submitted to National Stock Exchange of India Limited (hereinafter referred to as NSE). NSE has given vide its letter _____________________ permission to the Mutual Fund to use the Exchanges name in this Scheme Information Document as one of the Stock Exchanges on which the Mutual Funds units are proposed to be listed subject to, the Mutual Fund fulfilling the various criteria for listing. The Exchange has scrutinized this Scheme Information Document for its limited internal purpose of deciding on the matter of granting the aforesaid permission to the Mutual Fund. It is to be distinctly understood that the aforesaid permission given by NSE should not in any way be deemed or construed that the Scheme Information Document has been cleared or approved by NSE; nor does it in any manner warrant, certify or endorse the correctness or completeness of any of the contents of this Scheme Information Document; nor does it warrant that the Mutual Funds units will be listed or will continue to be listed on the Exchange; nor does it take any responsibility for the financial or other soundness of the Mutual Fund, its sponsors, its management or any scheme of the Mutual Fund. Every person who desires to apply for or otherwise acquire any units of the Mutual Fund may do so pursuant to independent inquiry, investigation and analysis and shall not have any claim against the Exchange whatsoever by reason of any loss which may be suffered by such person consequent to or in connection with such subscription/acquisition whether by reason of anything stated or omitted to be stated herein or any other reason whatsoever. The Scheme Information Document sets forth concisely the information about the scheme that a prospective investor ought to know before investing. Before investing, investors should also ascertain about any further changes to this Scheme Information Document after the date of this Document from the Mutual Fund / Investor Service Centres / Website / Distributors or Brokers. The investors are advised to refer to the Statement of Additional Information (SAI) for details of Birla Sun Life

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Mutual Fund, Tax and Legal issues and general information on www.birlasunlife.com SAI is incorporated by reference (is legally a part of the Scheme Information Document). For a free copy of the current SAI, please contact your nearest Investor Service Centre or log on to our website The Scheme Information Document should be read in conjunction with the SAI and not in isolation. This Scheme Information Document is dated _________, 2009

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HIGHLIGHTS OF THE SCHEME... Section I INTRODUCTION.. A. Risk Factors B. Requirement Of Minimum Investors In The Scheme C. Special Considerations. D. Definitions E. Diligence By The Asset Management Company.. Section II INFORMATION ABOUT THE SCHEME. A. Type of the Scheme B. Investment Objective.. C. Asset Allocation and Investment Pattern D. Investment by Scheme.. E. Investment Strategy F. Fundamental Attributes.. G. Benchmark.. H. Fund Manager. I. Investment Restrictions for the Scheme.. J. Scheme Performance. Section III - UNITS AND OFFER.. A. New Fund Offer B. Ongoing Offer Details. C. Periodic Disclosures D. Computation of Net Asset Value.. Section IV FEES AND EXPENSES A. New Fund Offer Expenses. B. Annual Scheme Recurring Expenses... C. Load Structure. D. Waiver Of Load For Direct Applications...

4 4 6 9 9 10 13 14 14 14 14 15 17 19 19 20 20 21 22 22 27 30 31 32 32 32 33 33

Section V - RIGHTS OF UNITHOLDERS. 34 Section VI - PENALTIES, PENDING LITIGATION OR PROCEEDINGS, FINDINGS OF INSPECTIONS OR INVESTIGATIONS FOR WHICH ACTION MAY HAVE BEEN TAKEN OR IS IN THE PROCESS OF BEING TAKEN BY ANY REGULATORY AUTHORITY. . 34

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HIGHLIGHTS OF THE SCHEME

Name of the Scheme Structure Investment Objective Birla Sun Life T - 20 Fund A close ended Equity Scheme The objective of the scheme is to generate long-term growth of capital by investing pre-dominantly in a portfolio of equity & equity related securities, generally in 20 top growing companies. The scheme will have duration of 3 years from the date of allotment. The NAV of the scheme will be announced on a daily basis. No redemption or repurchase will be permitted prior to maturity of the Scheme. The scheme will be listed on National Stock Exchange or any recognized stock exchanges as may be decided by AMC from time to time. The Unitholders who wish to redeem units may do so through Stock Exchange at prevailing listed price on such Stock Exchange. As per SEBI circular SEBI/IMD/CIR No. 12/147132/08 dated December 11, 2008 the units of the scheme will be listed on National Stock Exchanges for which the Trustees have obtained an in-principle approval from Exchange The Mutual Fund will allow investors the flexibility to switch their investments from any other open ended scheme(s)/ plans and / or close ended scheme(s) / plans (those close ended scheme(s) / plans launched prior to December 12, 2008) offered by the Mutual Fund to Birla Sun Life T - 20 Fund during the New Fund Offer period (subject to completion of lock-in period, if any, of the units of the scheme(s) from where the units are being switched) The Scheme will have Dividend and Growth Plan. Dividend Plan shall have Payout option. Default Plan Growth Minimum of Rs. 5,000/- and in multiples of Re. 10/- thereafter during the New Fund Offer period. Rs. 10,00,00,000/- during the New Fund Offer Period To be fully borne by the AMC. Rs. 10/- per Unit. The AMC will calculate and disclose the first NAV of the scheme not later than 30 days from the closure of New Fund Offer Period. NAV will be calculated up to two decimal places on all business day and released to the Press, News Agencies and the Association of Mutual Funds of India (AMFI). NAV will also be displayed on the Website of the Mutual Fund. As presently required by the SEBI Regulations, a complete statement of the Scheme portfolio would be published by the Mutual Fund as an advertisement in a newspaper within one month from the close of each half year (i.e. March 31 & September 30) or mailed to the Unit holders. The Unit holders are given an Option to hold the units by way of an Account Statement or in Dematerialized (Demat) form. Unit holders opting to hold the units in demat form must provide their Demat Account details in the specified section of the application form. The Unit holder intending to hold the units in Demat form are required to have a beneficiary account with a Depository Participant (DP) (registered with NSDL / CDSL as may be indicated by the Fund at the time of launch of the Plan) and will be required to indicate in the application the DP's name, DP ID Number and the beneficiary account number of the applicant held with the DP. Incase the unit holders do not provide their Demat Account details, an Account Statement shall be sent to them. Such investors will not be able to trade in the stock exchange till their holdings are converted into demat form. For conversion of physical holdings into demat form, the unit holders will have to send the demat requests to their Depository Participants. No redemption/repurchase of units shall be allowed prior to the maturity of the scheme. Unit holders wishing to exit may do so through the Stock Exchange mode Units held by way of account statement cannot be transferred. Units held in demat form are transferable in accordance with the provisions of SEBI

Liquidity

Listing

Flexibility

Plans/Options Minimum Application Amount Minimum Target Amount to be raised Initial Issue Expenses New Fund Offer Price Transparency / NAV Disclosure

Dematerialization

Transfer of Units

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(Depositories and Participants) Regulations, as amended from time to time NRIs, FIIs and PIOs may invest in the scheme on a full repatriation basis. (Investment will be governed by rules laid down by RBI/SEBI in this regard). BSE 200 The fund reserves the right to change the benchmark for evaluation of the performance of the scheme from time to time, subject to SEBI Regulations and other prevailing guidelines if any Entry Load: Nil In terms of SEBI circular no. SEBI/IMD/CIR No.4/ 168230/09 dated June 30, 2009, no entry load will be charged by the Scheme to the investor effective August 1, 2009. Upfront commission shall be paid directly by the investor to the AMFI registered Distributors based on the investors assessment of various factors including the service rendered by the distributor Exit Load: Nil No redemption/repurchase of units shall be allowed prior to the maturity of the scheme. Investors wishing to exit may do so through stock exchange mode. Investors in the Scheme are not being offered any guaranteed / assured returns. Investors are advised to consult their Legal /Tax and other Professional Advisors with regard to tax / legal implications relating to their investments in the Scheme and before making decision to invest in or redeem the Units.

Repatriation Facility Benchmark Index

Loads

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Section I INTRODUCTION
A. RISK FACTORS
STANDARD RISK FACTORS Mutual Funds and securities investments are subject to market risks and there can be no assurance or guarantee that the objectives of the Scheme will be achieved. Investment in Mutual Fund Units involves investment risks such as trading volumes, settlement risk, liquidity risk, default risk including the possible loss of principal. As the price / value / interest rates of the securities in which the scheme invests fluctuates, the value of your investment in the scheme may go up or down depending on the various factors and forces affecting capital markets and money markets Past performance of the Sponsor / AMC / Mutual Fund does not guarantee future performance of the Scheme and may not necessarily provide a basis of comparison with other investments. Birla Sun Life T- 20 Fund is the name of the Scheme and does not, in any manner, indicate either the quality of the Scheme or its future prospects or returns. The Sponsors are not responsible or liable for any loss resulting from the operation of the Schemes beyond the initial contribution of Rs.1, 00,000 made by it towards setting up the Fund. The present scheme is not a guaranteed or assured return scheme Std. Obs 2

SCHEME SPECIFIC RISK FACTORS

The Scheme proposes to invest in equity and equity related securities of about 20 stocks. Thus, concentration risk is expected to be high as compared to diversified portfolio, however, since it will be a multi sectoral fund without any sector bias sector specific risk is expected to be relatively low.

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

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Investors may note that Fund Manager's investment decisions may not always be profitable, as actual market movements may be at variance with anticipated trends. Though the constituent stocks of most indexes are typically liquid, liquidity differs across stocks. Due to the heterogeneity in liquidity in the capital market segment, trades on this segment may not get implemented instantly

Risk Factors associated with investments in Debt Securities: Price-Risk or Interest-Rate Risk: Fixed income securities such as bonds, debentures and money market instruments run price-risk or interest-rate risk. Generally, when interest rates rise, prices of existing fixed income securities fall and when interest rates drop, such prices increase. The extent of fall or rise in the prices is a function of the existing coupon, days to maturity and the increase or decrease in the level of interest rates. Credit Risk: In simple terms this risk means that the issuer of a debenture/ bond or a money market instrument may default on interest payment or even in paying back the principal amount on maturity. Even where no default occurs, the price of a security may go down because the credit rating of an issuer goes down. It must, however, be noted that where the Scheme has invested in Government securities, there is no credit risk to that extent. Liquidity or Marketability Risk: This refers to the ease with which a security can be sold at or near to its valuation yield-to-maturity (YTM). The primary measure of liquidity risk is the spread between the bid price and the offer price quoted by a dealer. Liquidity risk is today characteristic of the Indian fixed income market. Reinvestment Risk: Investments in fixed income securities may carry reinvestment risk as interest rates prevailing on the interest or maturity due dates may differ from the original coupon of the bond. Consequently, the proceeds may get invested at a lower rate. Different types of securities in which the scheme would invest as given in the Scheme Information Document carry different levels and types of risk. Accordingly the schemes risk may increase or decrease depending upon its investment pattern. e.g. corporate bonds carry a higher amount of risk than Government securities. Further even among corporate bonds, bonds, which are AA rated, are comparatively more risky than bonds, which are AAA rated. The above are some of the common risks associated with investments in fixed and money market securities including derivatives. There can be no assurance that a Schemes investment objectives will be achieved, or that there will be no loss of capital. Investment results may vary substantially on a monthly, quarterly or annual basis.

Risk Factors associated with investments in Derivatives: As and when the Scheme trades in the derivatives market there are risk factors and issues concerning the use of derivatives that investors should understand. Derivative products are specialized instruments that require investment techniques and risk analysis different from those associated with stocks and bonds. The use of a derivative requires an understanding not only of the underlying instrument but also of the derivative itself. Derivatives require the maintenance of adequate controls to monitor the transactions entered into, the ability to assess the risk that a derivative adds to the portfolio and the ability to forecast price or interest rate movements correctly. There is a possibility that loss may be sustained by the portfolio as a result of the failure of another party (usually referred as the counter party) to comply with the terms of the derivatives contract. Other risks in using derivatives include the risk of mispricing or improper valuation of derivatives and the inability of derivatives to correlate perfectly with underlying assets, rates and indices. Thus, derivatives are highly leveraged instruments. Even a small price movement in the underlying security could have a large impact on their value. Besides the price of the underlying asset, the volatility, tenor and interest rates affect the pricing of derivatives. Derivative products are leveraged instruments and can provide disproportionate gains as well as disproportionate losses to the investor. Execution of such strategies depends upon the ability of the fund manager to identify such opportunities. Identification and execution of the strategies to be pursued by the fund manager involve uncertainty and decision of fund manager may not always be profitable. No assurance can be given that the fund manager will be able to identify or execute such strategies Derivative trades involve execution risks, whereby the rates seen on the screen may not be the rate at which ultimate execution takes place. The options buyers risk is limited to the premium paid, while the risk of an options writer is unlimited. However, the gains of an options writer are limited to the premiums earned. Std. Obs 5

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The writer of a put option bears the risk of loss if the value of the underlying asset declines below the exercise price. The writer of a call option bears a risk of loss if the value of the underlying asset increases above the exercise price. Investments in index futures face the same risk as the investments in a portfolio of shares representing an index. The extent of loss is the same as in the underlying stocks. Risk of loss in trading futures contracts can be substantial, because of the low margin deposits required, the extremely high degree of leverage involved in futures pricing and potential high volatility of the futures markets. The risks associated with the use of derivatives are different from or possibly greater than, the risks associated with investing directly in securities and other traditional investments

Std. Obs 5

Risks associated with investments in Securitised Debt: The scheme may invest in domestic securitised debt assets. These assets would be in the nature of Mortgage backed securities (MBS) and Asset backed securities (ABS) with underlying pool of assets and receivables like Housing Loans, Auto loans and corporate loans. The fund intends to invest only in securitised instruments rated AAA by a recognised credit rating agency. The Securitised debt assets and the underlying asset classes like housing loans, Auto Loans and Corporate loans have the following risk factors Risks associated with Mortgage Backed Securities (MBS) - Housing Loans Prepayment Risk: The fund may receive payment of monthly payouts earlier than scheduled. Prepayments shorten the life of the instrument to an extent that cannot be fully predicted. The rate of prepayments may be influenced by a variety of economic, social and other factors. Credit Risk: Delinquencies may happen which would reduce the principal amount. Typically MBS structures come with credit enhancement in variety of forms. If delinquencies are higher than the amount available in the credit enhancement facility than the monthly payouts to the fund would reduce. Historically, it has been observed that housing loans have lower default rates as compared to other forms of credit. Liquidity Risk: Historically the secondary market volume of securitised papers has been limited. This could limit the ability of the fund to resell them. Secondary market trades could be at a discount or premium depending upon the prevailing interest rates. Conversion risk: Conversion of loans from fixed rate to floating rate loans and vice versa could lead to a change in the expected cash flows from the loans.

Risks associated with Asset Backed Securities (ABS)-Auto Loans Prepayment Risk: The fund may receive payment of monthly payouts earlier than scheduled. Prepayments shorten the life of the instrument to an extent that cannot be fully predicted. The rate of prepayments may be influenced by a variety of economic, social and other factors. Prepayments in auto loans is lower than housing loans as the shorter tenor of auto loans makes it economically unattractive to prepay after considering the prepayment charges. Credit Risk: Delinquencies may happen which would reduce the principal amount. Typically ABS structures come with credit enhancement in variety of forms. If delinquencies are higher than the amount available in the credit enhancement facility than the monthly payouts to the fund would reduce. Typically auto loans carry higher risk than MBS as the value retention of the underlying asset is higher in MBS as compared to the underlying asset of ABS. Liquidity Risk: Historically the secondary market volume of securitised papers has been limited. This could limit the ability of the fund to resell them. Secondary market trades could be at a discount or premium depending upon the prevailing interest rates.

Risks associated with Asset Backed Securities (ABS)- Corporate Loans Credit Risk: The fund has an exposure to the Borrower/Borrowers and servicing of the instrument depends on the credit risk of the Borrower. The value of the instrument would fluctuate depending upon the changes in the perceived level of credit risk as well as any actual default. Prepayment Risk: The Borrower may prepay the receivables prior to their respective due dates. This may result in a change in the yield and tenor for the fund.

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Limited Liquidity and Price Risk: Historically the secondary market volume of securitised papers has been limited. This could limit the ability of the fund to resell them. Secondary market trades could be at a discount or premium depending upon the prevailing interest rates.

Risks associated with Stock Lending: The risks in lending portfolio securities, as with other extensions of credit, consist of the failure of another party, in this case the approved intermediary, to comply with the terms of agreement entered into between the lenders of securities i.e. the Scheme and the approved intermediary. Such failure to comply can result in the possible loss of rights in the collateral put up by the borrower of the securities, the inability of the approved intermediary to return the securities deposited by the lender and the possible loss of any corporate benefits accruing to the lender from the securities deposited with the approved intermediary. Additional Risk Factors: There can be temporary illiquidity of the securities that are lent out and the Fund may not be able to sell such lent-out securities, resulting in an opportunity loss. In case of a default by counterparty, the loss to the fund can be equivalent to the securities lent. Risks associated with Short Selling: Short selling is the selling of a stock that the seller does not own. More specifically, a short sale is the sale of a security that isnt owned by the seller, but that is promised to be delivered. Later, the short seller buys back the same number of shares shorted (called covering). If the price drops, you can buy back the stock at the lower price and make a profit on the difference. If the price of the stock rises, you have to buy it back at the higher price, and you lose money. Thus, short positions carry the risk of losing money and these losses may be unlimited theoretically, if the price of the stock increases without limit and hence may result in major losses in the Scheme. In addition, it is possible that the seller is unable to borrow the Securities. In such cases, short seller may be required to purchase the Securities sold short to cover the position. Such squaring of transaction may have to be carried at a price, which may be higher at the time of the short sale. If a stock starts to rise and a large number of short sellers try to cover their positions at the same time, it can briskly escalate the price even further. This might result in losses to the Scheme. Scheme may enter into short selling transactions, subject to SEBI regulations in the matter Std. Obs 6 Std. Obs 6

B. REQUIREMENT OF MINIMUM INVESTORS IN THE SCHEME

The Scheme(s) and individual Plan(s) under the Scheme(s) shall have a minimum of 20 investors and no single investor shall account for more than 25% of the corpus of the Scheme(s)/Plan(s). These conditions will be complied with immediately after the close of the NFO itself i.e. at the time of allotment. In case of non-fulfillment with the condition of minimum 20 investors, the Scheme(s)/Plan(s) shall be wound up in accordance with Regulation 39 (2) (c) of SEBI (MF) Regulations automatically without any reference from SEBI. In case of non-fulfillment with the condition of 25% holding by a single investor on the date of allotment, the application to the extent of exposure in excess of the stipulated 25% limit would be liable to be rejected and the allotment would be effective only to the extent of 25% of the corpus collected. Consequently, such exposure over 25% limits will lead to refund within 6 weeks of the date of closure of the New Fund Offer.

C. SPECIAL CONSIDERATIONS
Changes in Government Policy in general and changes in tax benefits applicable to mutual funds may impact the returns to investors in the Scheme. The NAV of the scheme may be affected by changes in the general market conditions, factors and forces affecting capital market in particular, level of interest rates, various market related factors, settlement periods and transfer procedures. A Unitholder may invest in the schemes and acquire a substantial portion of the scheme units. The repurchase of units by the Unitholder may have an adverse impact on the units of the schemes, because the timing of such repurchase may impact the ability of other Unit holders to repurchase their units.

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Mutual Funds are vehicles of securities investments that are subject to market and other risks and there can be no guarantee against loss resulting from investing in the Scheme. The various factors that impact the value of the Scheme' investments include, but are not restricted to, fluctuations in the bond markets, fluctuations in interest rates, prevailing political and economic environment, changes in government policy, factors specific to the issuer of the securities, tax laws, liquidity of the underlying instruments, settlement periods, trading volumes etc. Redemptions due to change in the fundamental attributes of the Scheme or due to any other reasons may entail tax consequences. The Trustees, the Mutual Fund, the AMC, their directors or their employees shall not be liable for any tax consequences that may arise. Trading in the units of the Scheme on the Exchange may be halted because of market conditions, including any halt in the operations of Depository Participants or for reasons that in view of the Exchange Authorities or SEBI, trading in the units is suspended and / or restricted. In addition, trading in units is subject to trading halts caused by extraordinary market volatility and pursuant to stock exchange rules of circuit filter. There can be no assurance that the requirements of Exchange necessary to maintain the listing of units will continue to be met or will remain unchanged Investors should study this Scheme Information Document carefully in its entirety and should not construe the contents hereof as advise relating to legal, taxation, investment or any other matters. Investors may, if they wish, consult their legal, tax, investment and other professional advisors to determine possible legal, tax, financial or other considerations of subscribing to or redeeming Units, before making a decision to invest/redeem Units. Neither this Document nor the Units have been registered in any jurisdiction. The distribution of this Document in certain jurisdictions may be restricted or totally prohibited due to registration requirements and accordingly, persons who come into possession of this Document are required to inform themselves about and to observe any such restrictions and or legal compliance requirements. representations other than that contained in this Document. Circulars in connection with this offering not authorized by the Mutual Fund and any information or representations not contained herein must not be relied upon as having been authorized by the Mutual Fund.

No person has been authorized to issue any advertisement or to give any information or to make any

D. DEFINITIONS
In this Scheme Information Document, the following words and expressions shall have the meaning specified herein, unless the context otherwise requires: AMC or Asset Management Company or Investment Manager Applicable NAV Benchmark Business Day Birla Sun Life Asset Management Company Limited, incorporated under the provisions of Companies Act, 1956 and approved by the Securities and Exchange Board of India to act as the Asset Management Company for the scheme(s) of Birla Sun Life Mutual Fund The NAV applicable for purchase or redemption or switching on the date of maturity. BSE 200 A day other than: Saturday and Sunday or A day on which the banks in Mumbai and / RBI are closed for business /clearing or A day on which the Stock Exchange, Mumbai is closed or A day, which is a public and /or bank holiday at a Investor Service Centre where the application is received or A day on which Sale and Repurchase of Units is suspended by the AMC or A day on which normal business cannot be transacted due to storms, floods, bandhs, strikes or such other events as the AMC may specify from time to time. The AMC reserves the right to declare any day as a Business Day or otherwise at any or all Investor Service Centres at any or all Investor Service Centres. Call option is a financial contract between two parties, the buyer and the

Call Option

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seller of the option. The call allows the buyer the right (but not the obligation) to buy a financial instrument (the underlying instrument) from the seller of the option at a certain time for a certain price (the strike price). The seller assumes the corresponding obligations. Note that the seller of the option undertakes to sell the underlying in exchange. A person who has been granted a certificate of registration to carry on the business of custodian of securities under the Securities and Exchange Board of India (Custodian of Securities) Regulations 1996, which for the time being is J.P.Morgan Chase Bank, Mumbai. Depository as defined in the Depositories Act, 1996 (22 of 1996). Depository Participant means a person registered as such under sub-section (1A) of section 12 of the Securities and Exchange Board of India Act, 1992. Equity related instruments would include convertible bonds, convertible debentures, convertible preference shares, warrants carrying the right to obtain equity shares and any other like instrument. Foreign Institutional Investor, registered with SEBI under the Securities and Exchange Board of India (Foreign Institutional Investors) Regulations, 1995, as amended from time to time. Floating rate instruments are debt / money market instruments issued by Central / State Governments, with interest rates that are reset periodically. The periodicity of interest reset could be daily, monthly, annually or any other periodicity that may be mutually agreed between the issuer and the Fund. Person/s managing the scheme Securities created and issued by the Central Government and/or a State Government (including Treasury Bills) or Government Securities as defined in the Public Debt Act, 1944, as amended or re-enacted from time to time. The agreement dated December 16, 1994 entered into between Birla Sun Life Trustee Company Private Limited and Birla Sun Life Asset Management Company Limited, as amended from time to time. Designated branches of Birla Sun Life Asset Management Company Ltd. or such other enters / offices as may be designated by the AMC from time to time. All these locations are official points of acceptance of transactions and cut-off time as mentioned in the Scheme Information Document shall be reckoned at these official points. In the case of Repurchase / Redemption / Switch out of a Unit, the sum of money deducted from the Applicable NAV on the Repurchase / Redemption / Switch out and in the case of Sale / Switch in of a Unit, a sum of money to be paid by the prospective investor on the Sale / Switch in of a Unit in addition to the Applicable NAV. Load on Sale / Switch in of Units Load on Redemption / Switch out Units. Birla Sun Life Mutual Fund, a trust set up under the provisions of the Indian Trusts Act, 1882. Commercial papers, commercial bills, treasury bills, Government securities having an unexpired maturity upto one year, call or notice money, certificate of deposit, usance bills, Collateralized Borrowing and Lending Obligations (CBLOs) and any other like instruments as specified by the Reserve Bank of India from time to time Net Asset Value per Unit of the Scheme, calculated in the manner described in this Scheme Information Document or as may be prescribed by the SEBI Regulations from time to time. Offer of units of Birla Sun Life T - 20 Fund during the New Fund Offer. A Non-Resident Indian or a person of Indian origin residing outside India.

Custodian

Depository Depository participants Equity instruments FII

related

Floating Rate Instruments

Fund Manager Gilt or Government Securities Investment Management Agreement Investor Service Centres or ISCs or Official Points of acceptance of transactions Load

Entry Load or Sales Load Exit Load or Redemption Load Mutual Fund or the Fund Money Market Instruments

NAV

New Fund Offer (NFO) NRI

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Person of Indian Origin or PIO A citizen of any country other than Bangladesh or Pakistan, if (a) he at any time held an Indian passport; or (b) he or either of his parents or any of his grand parents was a citizen of India by virtue of the Constitution of India or the Citizenship Act, 1955 (57 of 1955); or (c) the person is a spouse of an Indian citizen or a person referred to in sub-clause (a) or (b). Reserve Bank of India, established under the Reserve Bank of India Act, 1934. Stock exchanges recognized by SEBI. Register of unitholders for the purposes of dividend declaration shall mean the Statement of Beneficiary Position as may be received from the Depositories on the record date and the records of unitholders maintained by the Registrar and Transfer Agent in case of units not held in dematerialization form. Computer Age Management Services Ltd (CAMS) is currently acting as registrar to the Scheme, or any other registrar appointed by the AMC from time to time. Repurchase / Redemption of Units of the Scheme as permitted. Sale or allotment of Units to the Unit holder upon subscription by the investor / applicant under the Scheme. This document issued by Birla Sun Life Mutual Fund, inviting offer for subscription to the units of the scheme for subscription. Securities and Exchange Board of India, established under the Securities and Exchange Board of India Act, 1992. Securities and Exchange Board of India (Mutual Funds) Regulations, 1996, as amended from time to time. The document issued by Birla Sun Life Mutual Fund containing details of Mutual Fund, its constitution, and certain tax, legal and general information. It is incorporated by reference & is legally a part of the Scheme Information Document. Redemption of a unit in any scheme of the Mutual Fund against purchase of a unit in another scheme (including the plans therein) of the Mutual Fund, subject to completion of lock-in period, if any, of the units of the scheme(s) from where the units are being switched and applicable load structure. Birla Sun Life T 20 Fund Birla Sun Life Trustee Company Private Ltd. incorporated under the provisions of the Companies Act, 1956 and approved by SEBI to act as Trustee to the schemes of Birla Sun Life Mutual Fund (BSLMF). The Trust Deed dated December 16, 1994 (read with all amendments and supplemental trust deeds thereto) made by and between the Sponsor and Birla Sun Life Trustee Company Private Limited (Trustee), thereby establishing an irrevocable trust, called Birla Sun Life Mutual Fund as amended from time to time. The interest of the Unit holder, which consists of, each Unit representing one undivided share in the assets of the Scheme. A person holding Units in the Scheme of the Birla Sun Life Mutual Fund (BSLMF) offered under this Scheme Information Document.

RBI Recognised Stock Exchange Register of Unitholders

Registrar and Transfer Agent Repurchase / Redemption Sale / Subscription Scheme Information Document SEBI SEBI Regulations or Regulations Statement of Additional Information or SAI Switch or Lateral Shift

The Scheme Trustee

Trust Deed

Unit Unit holder Interpretation

For all purposes of this Scheme Information Document, except as otherwise expressly provided or unless the context otherwise requires, the terms defined in this Scheme Information Document include the plural as well as the singular. Pronouns having a masculine or feminine gender shall be deemed to include the other. Words and expressions used herein but not defined herein shall have the meanings respectively assigned to them therein under the SEBI Act or the SEBI Regulations.

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Page 13 of 13Page 13 of 13

E. DILIGENCE BY THE ASSET MANAGEMENT COMPANY

The Asset Management Company confirms that a Due Diligence Certificate duly signed by the Compliance Officer of Birla Sun Life Asset Management Company Limited, has been submitted to SEBI on November 10, 2009 which reads as follows: Due Diligence Certificate It is confirmed that: (i) The draft Scheme Information Document forwarded to SEBI is in accordance with the SEBI (Mutual Funds) Regulations, 1996 and the guidelines and directives issued by SEBI from time to time. (ii) All legal requirements connected with the launching of the scheme as also the guidelines, instructions, etc., issued by the Government and any other competent authority in this behalf, have been duly complied with. (iii) The disclosures made in the Scheme Information Document are true, fair and adequate to enable the investors to make a well informed decision regarding investment in the proposed scheme. (iv) The intermediaries named in the Scheme Information Document and Statement of Additional Information are registered with SEBI and their registration is valid, as on date.

For Birla Sun Life Asset Management Company Ltd.

Sd/PLACE: Mumbai DATE: November 10, 2009 Rajiv Joshi Compliance Officer

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Section II INFORMATION ABOUT THE SCHEME

A. TYPE OF THE SCHEME
Birla Sun Life T -20 Fund is a close ended equity scheme.

B. INVESTMENT OBJECTIVE
The objective of the scheme is to generate long-term growth of capital by investing pre-dominantly in a portfolio of equity & equity related securities, generally in 20 top growing companies.

C. ASSET ALLOCATION AND INVESTMENT PATTERN

Under normal circumstances, the asset allocation of the Scheme will be as follows: Instrument Risk Profile Indicative Allocation Minimum Maximum

Std. Obs 14

Equities and Equity related instruments Medium to high 65% 100% Debt and Money Market Instruments (Including Low to medium 0% 35% Securitised Debt)* *Money Market Instruments include commercial papers, commercial bills, treasury bills, and Government securities having an unexpired maturity upto one year, call or notice money, certificate of deposit, usance bills, CBLOs and any other like instruments as specified by the Reserve Bank of India from time to time. The Scheme may invest upto 50% of the net assets of the scheme in such derivative instruments as may be introduced from time to time for the purpose of hedging and portfolio balancing and other uses as may be permitted under SEBI (MF) Regulations, 1996. The investments in Securitised Debt papers may be made upto 35% of the Net Assets of the scheme. The fund may engage in short selling of securities in accordance with the framework relating to short selling and securities lending and borrowing specified by the Board. The Fund Manager will apply following limits, for Stock Lending: 1. Not more than 25% of the net assets of the Scheme can generally be deployed in Stock Lending. 2. Not more than 5% of the net assets of the Scheme can generally be deployed in Stock Lending to any single counter party.

Std. Obs 4

Change in Asset Allocation The above mentioned investment pattern is indicative and may change for short duration. Subject to the Regulations, the asset allocation pattern indicated above may change from time to time, keeping in view market conditions, market opportunities, and political and economic factors. It must be clearly understood that the percentages stated above are only indicative and not absolute and that they can vary substantially depending upon the perception of the Investment Manager, the intention being at all times to seek to protect the interests of the unit holders. Such changes in the investment pattern will be for short term and defensive considerations. However, due to market conditions, the AMC may invest beyond the range set out above. Such deviations shall normally be for a short-term purpose only, for defensive considerations and the intention being at all times to protect the interests of the Unit Holders. The deviation shall be reviewed on a quarterly basis and the Fund Manager shall endeavor to do the rebalancing of the portfolio within three months from the date of deviation to bring it in line with the asset allocation pattern as indicated in this SID. Further, in case the rebalancing is not done within the specified period, justification for the same shall be provided to the Investment Committee and the reason for the same shall be recorded in writing. Provided further and subject to the above, any change in the asset allocation affecting the investment profile of the Scheme shall be effected only in accordance with the provisions of sub regulation (15A) of Regulation 18 of the Regulations.

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Page 15 of 15Page 15 of 15 D. INVESTMENT BY SCHEME
Subject to the Regulations, the corpus of the Scheme can be invested in any (but not exclusively) of the following securities: 1. Securities created and issued by Governments of India and/or repos/reverse repos in such Government Securities as may be permitted by RBI (including but not limited to coupon bearing bonds, zero coupon bonds and treasury bills). 2. Securities guaranteed by the Central and State Governments (including but not limited to coupon bearing bonds, zero coupon bonds and treasury bills). 3. Debt obligations of domestic Government agencies and statutory bodies, which may or may not carry a Central/State Government guarantee. 4. Corporate debt and securities (of both public and private sector undertakings) including Bonds, Debentures, Notes, Strips etc. 5. Money market instruments permitted by SEBI/RBI, having maturities upto one year and more than one year, in call money market or in alternative investment for the call money market as may be provided by the RBI to meet the liquidity requirements. 6. Certificate of Deposits (CDs). 7. Commercial Paper (CPs). 8. Securitised Debt Obligations 9. The non-convertible part of convertible securities. 10. Any other domestic fixed income securities. 11. Pass through, Pay through or other Participation Certificates, representing interest in a pool assets including receivables. 12. Equity and Equity linked instruments including convertible bonds and debentures and warrants carrying the right to obtain equity shares 13. Derivative instruments like Interest Rate Swaps, Forward Rate Agreements, Stock Index Futures, Stock Options, Index Options and such other derivative instruments permitted by SEBI/RBI. 14. Any other like instruments as may be permitted by RBI/SEBI/ such other Regulatory Authority from time to time. The securities mentioned above could be listed or unlisted, secured or unsecured, rated or un-rated and of varying maturity, as enabled under SEBI Regulations/ circulars/ RBI. The securities may be acquired through Initial Public Offerings (IPOs), secondary market operations, private placement, rights offers or negotiated deals. The Scheme may also enter into repurchase and reverses repurchase obligations in all securities held by it as per the guidelines and regulations applicable to such transactions Debt Market In India The instruments available in Indian Debt Market are classified into two categories, namely Government and Non - Government debt. The following instruments are available in these categories: A] Government Debt Central Government Debt Zero Coupon Bonds Treasury Bills State Government Debt Dated Government Securities State Government Loans Coupon Bearing Bonds Coupon Bearing Bonds Floating Rate Bonds B] Non-Government Debt Instruments issued by Government Agencies and other Statutory Bodies Government Guaranteed Bonds PSU Bonds Instruments issued by Public Sector Undertakings Commercial Paper Fixed Coupon Bonds Floating Rate Bonds Zero Coupon Bonds Instruments issued by Banks and Development Financial institutions Certificates of Deposit Std. Obs 12 Std. Obs 4

Std. Obs 15

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Promissory Notes Instruments issued by Corporate Bodies Non-Convertible Debentures Fixed Coupon Debentures Floating Rate Debentures Zero Coupon Debentures Pass Through Securities

Activity in the Primary and Secondary Market is dominated by Central Government Securities including Treasury Bills. These instruments comprise close to 50% of all outstanding debt and close to 75% of the daily trading volume on the Wholesale Debt Market Segment of the National Stock Exchange of India Limited. In the money market, activity levels of the Government and Non-Government Debt vary from time to time. Instruments that comprise a major portion of money market activity include but are not limited to,

CBLO / Repo Treasury Bills Government Securities with a residual maturity of < 1 year Commercial Paper Certificates of Deposit Banks Rediscounting Scheme (BRDS)

Apart from these, there are some other options available for short tenure investments that include MIBOR linked debentures with periodic exit options and other such instruments. PSU / DFI / Corporate paper with a residual maturity of < 1 year, are actively traded and offer a viable investment option. The following table gives approximate yields prevailing on November 5, 2009 on some instruments. These yields are indicative and do not indicate yields that may be obtained in future as interest rates keep changing consequent to changes in the macro economic conditions and RBI Policies. Generally, for instruments issued by a non-Government entity (corporate/PSU bonds), the yield is higher than the yield on a Government Security with corresponding maturity. The difference, known as credit spread, depends on various factors including the credit rating of the entity. Instrument Interbank Call Money 91 Day Treasury Bill 182 Day Treasury Bill P1 + Commercial Paper 90 Days 5 Year Government of India Security 10 Year Government of India Security 1 Year Corporate AAA 3 Year Corporate AAA Yield Range (% per annum) 2.75%-3.25% 3.20%-3.50% 3.90%-4.15% 4.90% 6.00% 7.00%-7.40% 7.25%-7.35% 5.80%- 7.00% 7.40%-7.80%

Trading in Derivatives SEBI has permitted Mutual Funds to participate in derivatives trading subject to observance of guidelines issued by it in this behalf. Accordingly, Mutual Funds may use various derivative products from time to time, as would be available and permitted by SEBI, in an attempt to protect the value of the portfolio and enhance Unitholders' interest. The scheme intends to use derivative instruments like interest rate swaps, forward rate agreements, stock options, stock futures, index options, index futures or other equity derivative instruments as may be introduced from time to time. The Mutual Fund would comply with the provisions of SEBI Circular Ref. No. DNPD/Cir-29/2005 dated September 14, 2005 while trading in derivatives. Std. Obs 5

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Presently, the position limits for trading in derivatives by Mutual Fund specified by SEBI vide its circular Ref. No. DNPD/Cir-29/2005 dated September 14, 2005, circular Ref. No. DNPD/Cir-30/2006, dated January 20, 2006 and September 22, 2006 are as follows:: Position Limits The position limits for Mutual Funds and its schemes shall be under: (i) Position limit for Mutual Funds in index options contracts a) The Mutual Fund position limit in all index options contracts on a particular underlying index shall be Rs. 500 crore or 15% of the total open interest of the market in index options, whichever is higher, per Stock Exchange. b) This limit would be applicable on open positions in all options contracts on a particular underlying index. (ii) Position limit for Mutual Funds in index futures contracts a) The Mutual Fund position limit in all index futures contracts on a particular underlying index shall be Rs. 500 crore or 15% of the total open interest of the market in index futures, whichever is higher, per Stock Exchange. b) This limit would be applicable on open positions in all futures contracts on a particular underlying index. (iii) Additional position limit for hedging a) In addition to the position limits at point (i) and (ii) above, Mutual Funds may take exposure in equity index derivatives subject to the following limits: b) Short positions in index derivatives (short futures, short calls and long puts) shall not exceed (in notional value) the Mutual Funds holding of stocks. c) Long positions in index derivatives (long futures, long calls and short puts) shall not exceed (in notional value) the Mutual Funds holding of cash, government securities, T-Bills and similar instruments. (iv) Position limit for Mutual Funds for stock based derivative contracts a) For stocks having applicable market-wise position limit (MWPL) of Rs. 500 crores or more, the combined futures and options position limit shall be 20% of applicable MWPL or Rs. 300 crores, whichever is lower and within which stock futures position cannot exceed 10% of applicable MWPL or Rs. 150 crores, whichever is lower. b) For stocks having applicable market-wise position limit (MWPL) less than Rs. 500 crores, the combined futures and options position limit would be 20% of applicable MWPL and futures position cannot exceed 20% of applicable MWPL or Rs. 50 crore which ever is lower. c) The MWPL and client level position limits however would remain the same as prescribed. (v) Position limit for each scheme of a Mutual Fund The scheme-wise position limit requirements shall be: a) For stock option and stock futures contracts, the gross open position across all derivative contracts on a particular underlying stock of a scheme of a mutual fund shall not exceed the higher of: a. 1% of the free float market capitalization (in terms of number of shares). Or b. 5% of the open interest in the derivative contracts on a particular underlying stock (in terms of number of contracts). b) This position limits shall be applicable on the combined position in all derivative contracts on an underlying stock at a Stock Exchange. c) For index based contracts, Mutual Funds shall disclose the total open interest held by its scheme or all schemes put together in a particular underlying index, if such open interest equals to or exceeds 15% of the open interest of all derivative contracts on that underlying index. Exposure to Derivatives

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Page 16 of 18Page 16 of 18
In order to protect the interests of the Unit holders, Schems will invest maximum upto 50% of the net assets of the scheme in derivatives for the purpose of hedging and portfolio balancing and other uses as may be permitted under SEBI (MF) Regulations, 1996. The Scheme may use derivatives instruments such as Stock Index Futures, Options on indices or such other derivative instruments as may be introduced / permitted, from time to time. Derivatives can be traded over the exchange or can be structured between two counter-parties. Those transacted over the exchange are called Exchange Traded derivatives whereas the other category is referred to as OTC (Over the Counter) derivatives. Some of the differences of these two derivative categories are as under: Exchange traded derivatives: These are quoted on the exchanges like any other traded asset class. The most common amongst these are the Index Futures, Index Options, Stock Futures and Options on individual equities / securities. The basic form of the futures contract is similar to that of the forward contract, a futures contract obligates its owner to purchase a specified asset at a specified exercise price on the contract maturity date. Futures are cash-settled and are traded only in organised exchanges. Exchange traded derivatives are standardised in terms of amount and delivery date. Standardisation and transparency generally ensures a liquid market together with narrower spreads. On the other hand, for delivery dates far in the future, there may be insufficient liquidity in the futures market whereas an OTC price may be available. OTC derivatives: OTC derivatives require the two parties engaging in a derivatives transaction to come together through a process of negotiation. It is a derivative that is customised in terms of structure, amount, tenor, underlying assets, collateral etc. Some of the common examples are interest rate and currency swaps, Forward Rate Agreements (FRAs) etc. (Is OTC derivatives trade permissible? If no, may be we can remove the highlighted section. If yes, and we have no intention to trade then too let us remove the same.) Stock Lending and Borrowing by the Scheme: Subject to the Regulations and the applicable guidelines issued by SEBI, the Trustee may permit the Fund to engage in stock lending. The Fund can temporarily lend stocks held with the Custodian to reputed counterparties or borrow securities from market participants, for a fee, subject to prudent limits and controls for enhancing returns. The Fund is allowed to lend securities subject to a maximum of 25%, in aggregate, of the net assets of each scheme and 5% in the case of a single intermediary. Additional Risk Factors: There can be temporary illiquidity of the securities that are lent out and the Fund may not be able to sell such lent-out securities, resulting in an opportunity loss. In case of a default by counterparty, the loss to the fund can be equivalent to the securities lent. Investment in other Schemes The Scheme may, in line with its investment objectives, invest in another Scheme under the management of BSLAMC or of any other Asset Management Company. The aggregate Interscheme investment by BSLMF under all its Schemes, other than fund of fund schemes, taken together, in another Scheme managed by BSLAMC or in any other Scheme of any other Mutual Fund, shall not be more than 5% of the net asset value of the Fund. No fee shall be charged by the AMC on any investment in another Scheme under the management of BSLAMC or of any other Asset Management Company. Investment Process and Recording of Investment Decisions The investment policies of the schemes of Birla Sun Life Mutual Fund are decided by the investment committee which presently comprises of the CEO, AMC Director, Heads of Equity & Fixed Income and Vice President (Asia) of Sun Life. The committee has put in place detailed investment guidelines defining the prudential and concentration limits for the portfolio. The investment management team is allowed full discretion to make sale and purchase decisions within the limits established. The responsibility for the investment decisions is with the portfolio managers and the CEO of the AMC does not have any role in the day to day decision making process. All the decisions will be recorded alongwith their justifications. The AMC and Trustee will review the performance of the scheme in their Board meetings. The performance would be compared with the performance of the benchmark index and with peer group in the industry. Std. Obs 1

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Investments in the Scheme by the AMC, Sponsor, or their affiliates in the Scheme The AMC, Sponsor, Trustee and their associates or affiliates may invest in the scheme during the New Fund Offer Period and on Ongoing basis subject to the SEBI Regulations & circulars issued by SEBI and to the extent permitted by its Board of Directors from time to time. As per the existing SEBI Regulations, the AMC will not charge investment management and advisory fee on the investment made by it in the scheme. Investment of Subscription Money Pending deployment in securities as per the investment objectives of the scheme, the Fund may invest subscription money received from the investing public in bank deposits, or money market instruments before finalisation of the allotment of Units. The AMC, on being satisfied of the receipt of the minimum subscription amount, can commence investment out of the funds received in accordance with the investment objectives of the Scheme and as per the existing Regulations. The income earned out of such investments would be merged with the corpus of the Scheme on completion of the allotment of the Units. Borrowing by the Mutual Fund Under the SEBI Regulations, the Mutual Fund is allowed to borrow to meet the temporary liquidity requirements of its Scheme for the purpose of Redemption of Units or the payment of interest or dividend to the Unit holders. Further, as per the SEBI Regulations, the Mutual Fund shall not borrow more than 20% of the Net Assets of the scheme and the duration of such borrowing shall not exceed a period of six months. The Mutual Fund may raise such borrowings after approval by the Trustee from Sponsor or any of its Associate / Group Companies or Banks in India or any other entity at market related rates prevailing at the time and applicable to similar borrowings. The security for such borrowings, if required, will be as determined by the Trustee.

E. INVESTMENT STRATEGY
The Scheme seeks to generate capital appreciation by predominantly investing in equity and equity linked instruments The scheme intends to invest in companies across market capitalization with generally 20 stocks in its portfolio. The Strategy is to invest in Top 20 ideas of the AMC, at a given point in time. The focus of the Fund Manager would be to invest in companies which have demonstrated consistent high growth in the past and, in the opinion of the fund manager, has potential for such growth in the future To ensure portfolio diversification, the Fund will not invest more than 20% of its net assets in a single sector. Std. Obs 7

INVESTMENT STRATEGY EXPLAINED

Why only 20 stocks? As per Modern Portfolio Theory, diversification reduces the risk in the portfolio but also impacts the potential return. As per the theory, optimum diversification is reached in a portfolio of 18 to 20 stocks. Any diversification beyond this point generally reduces more return than risk. Excess diversification spreads the capital so thin that even a good investment has only a marginal impact on the total value of the portfolio. For instance, in a portfolio having 50 stocks equally divided each stock represents 2% of the portfolio weight. Thus, if one of the stocks doubles it will have marginal impact on the overall portfolio value. Whereas, if the same portfolio had only 20 stocks with equal allocation, each stock would represent 5% of the portfolio. So a big move in one of the stocks would make a visible impact on the portfolio returns. Correspondingly, the risk too is high in running such a concentrated portfolio.The fund manager can focus more time per portfolio-company. If the portfolio has a very thin tail (a number of very small holdings), at times, some of the very small holdings might not find due attention and coverage. This Fund strategy will provide a framework wherein almost each holding can materially contribute or contain the potential fund performance.

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Guidelines or Criteria for Selection The scheme will invest into companies, which are the top 20 ideas as per the fund managers view. It may choose companies on the basis of valuation, consistent past performance, future growth prospect, management of the company, future expansion plans etc. Equity investment in any one sector will not cross the threshold limit of 20% of the portfolio The portfolio will generally contain 20 stocks and which may, at sole discretion of the fund manager go up to 25 (Twenty five). The fund manager may also increase the number of compaies to more than 20, when the total assets under management of this scheme go above Rs.1000 crores.

Risk Control Investments made by the scheme would be in accordance with the investment objectives of the scheme and provisions of SEBI Regulations. Since investing requires disciplined risk management, the AMC would incorporate adequate safeguards for controlling risks in the portfolio construction process. The risk control process involves reducing risks through portfolio diversification, taking care however not to dilute returns in the process. The AMC believes that this diversification would help achieve the desired level of consistency in returns. The AMC aims to identify securities, which offer superior levels of yield at lower levels of risks. With the aim of controlling risks, rigorous in-depth credit evaluation of the securities proposed to be invested in will be carried out by the investment team of the AMC. The Scheme may also use various derivatives and hedging products from time to time, as would be available and permitted by SEBI/RBI, in an attempt to protect the value of the portfolio and enhance Unitholders interest. It is proposed to manage the risks by placing limit orders for basket trades and other trades, proactive follow-up with the service providers for daily change in weights in the respective indices as well as closely monitor daily inflows and outflows to and from the Fund. While these measures are expected to mitigate the above risks to a large extent, there can be no assurance that these risks would be completely eliminated. Portfolio Turnover The scheme has no explicit constraints either to maintain or limit the portfolio turnover. Portfolio turnover will depend upon the circumstances prevalent at any time and would also depend on the extent of volatility in the market and inflows/outflows in the scheme. The Fund Manager will however endeavor to maintain a low portfolio turnover rate.

F. FUNDAMENTAL ATTRIBUTES
Following are the fundamental attributes of the scheme, in terms of Regulation 18 (15A) of the SEBI regulation Type of Scheme: A Close Ended Equity Scheme Investment objective: The objective of the scheme is to generate long-term growth of capital by investing pre-dominantly in a portfolio of equity & equity related securities, generally in 20 top growing companies. Asset Allocation Pattern: Please refer to Section II C. Asset Allocation and Investment Pattern of this SID for details. Terms of Issue: Redemption Of Units As mentioned in Section III B of this SID Aggregate Fees and Expenses Please refer to Section IV. Fees and Expenses of this SID. Any Safety Net or Guarantee provided: This Scheme does not provide any guaranteed or assured return to its Investors Std. Obs 8

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In accordance with Regulation 18(15A) of the SEBI (MF) Regulations, the Trustees shall ensure that no change in the fundamental attributes of the Scheme(s) and the Plan(s) / Option(s) thereunder or the trust or fee and expenses payable or any other change which would modify the Scheme(s) and the Plan(s) / Option(s) thereunder and affect the interests of Unitholders is carried out unless: A written communication about the proposed change is sent to each Unitholders and an advertisement is given in one English daily newspaper having nationwide circulation as well as in a newspaper published in the language of the region where the Head Office of the Mutual Fund is situated; and The Unitholders are given an option for a period of 30 days to exit at the prevailing Net Asset Value without any exit load.

Std. Obs 8

G. BENCHMARK
The performance of the Scheme will be benchmarked to the performance of BSE 200. The AMC reserves the right to change the benchmark index suitably, if need arises in the interest of Unitholders. The performance of this scheme will be compared with its peers in the Industry. The performance will be placed before the Investment Committee as well as the Board of Directors of the AMC and the Trustee Company in each of their meetings. Rationale for adoption of benchmark: BSE 200 Index is a Broad-Based Index. Selection of companies for the Benchmark is primarily done on the basis of current market capitalisation of the listed scrips on the exchange. Besides market capitalisation, the market activity of the companies as reflected by the volumes of turnover and certain fundamental factors. The BSE 200 is selected as Benchmark for the scheme as it covers securities across the spectrum of growth and value stocks. In view of the same it will be prudent for investors to compare performance of the scheme with BSE 200. Std. Obs 9

H. FUND MANAGER
Mr. Ankit Sancheti shall be the designated Fund Manager of the Scheme. Name Ankit Sancheti Age Portfolio Educational Qualifications CFA, C.A., B.Com. (Hons.) Experience Has experience of over 10 years in equity research and funds management. Prior to joining BSLAMC, he was working with ING Investment Management (I) Pvt. Ltd. As Fund Manager. He has also worked with BSLAMC, Development Credit Bank and Anand Rathi Securities. Std. Obs 10

31 Fund years Manager/ Analyst

Other Schemes managed by Mr. Ankit Sancheti Birla Sun Life Dividend Yield Plus Birla Sun Life Basic Industries Fund Birla Sun Life Long Term Advantage Fund Series 1 Birla Sun Life Commodity Equities Fund (Jointly with Mr. Vineet Maloo)

I. INVESTMENT RESTRICTIONS FOR THE SCHEME

All investments by the Scheme and the Mutual Fund will always be within the investment restrictions as specified in the SEBI Regulations. Pursuant to the Regulations, the following investment and other restrictions are presently applicable to the scheme: The scheme shall not invest more than 15% of its NAV in debt instruments issued by a single issuer, which are rated not below investment grade by a credit rating agency authorised to carry out such activity under the SEBI Act, 1992. Such investment limit may be extended to 20% of the NAV of the Scheme with the prior approval of the Board of Trustees and the Board of the AMC. Provided that, Std. Obs 11

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such limit shall not be applicable for investments in government securities. Provided further that investment within such limit can be made in mortgage backed securitised debt which are rated not below investment grade by a credit rating agency registered with SEBI. The scheme shall not invest more than 10% of its NAV in unrated debt instruments issued by a single issuer and the total investment in such instruments shall not exceed 25% of the NAV of the Scheme. All such investments shall be made with the prior approval of the Board of Trustees and the Board of the AMC or a Committee constituted in this behalf. The Mutual Fund under all its schemes shall not own more than 10% of any company's paid up capital carrying voting rights. The scheme shall not invest more than thirty percent of its net assets in money market instruments of an issuer: Provided that such limit shall not be applicable for investments in Government securities, treasury bills and collateralized borrowing and lending obligations. Transfer of investments from one scheme to another scheme in the Mutual Fund is permitted provided: Such transfers are done at the prevailing market price for quoted instruments on spot basis (spot basis shall have the same meaning as specified by a Stock Exchange for spot transactions); and The securities so transferred shall be in conformity with the investment objective of the Scheme to which such transfer has been made. The scheme may invest in other schemes under the same AMC or any other Mutual Fund without charging any fees, provided the aggregate inter-scheme investment made by all the Schemes under the same management or in schemes under management of any other Asset Management Company shall not exceed 5% of the Net Asset Value of the Fund. No investment management fees shall be charged for investing in other schemes of the fund or in the schemes of any other Mutual Fund. The fund shall get the securities purchased or transferred in the name of the fund on account of the concerned Scheme, wherever investments are intended to be of a long-term nature. The fund may buy and sell securities on the basis of deliveries and shall in all cases of purchases take delivery of relative securities and in all cases of sale, deliver the securities. The fund may engage in short selling of securities in accordance with the framework relating to short selling ad securities lending and borrowing specified by the Board from time to time. Further the Mutual Fund shall enter into derivative transactions on a recognised stock exchange for the purpose of trading, hedging and portfolio balancing in accordance with the guidelines issued by SEBI. Pending deployment of the corpus of the Scheme in securities in terms of investment objective, the Fund can invest the corpus of the Scheme in short term deposits of scheduled commercial banks in accordance with the guidelines issued by SEBI. No mutual fund scheme shall invest more than 10 per cent of its NAV in the equity shares or equity related instruments of any company The scheme shall not invest more than 5% of its NAV in the unlisted equity shares or equity related instruments in case of open ended scheme. The scheme shall not make any investment in: Any unlisted security of an associate or group company of the Sponsor; or Any security issued by way of private placement by an associate or group company of the Sponsor; or The listed securities of group companies of the Sponsor, which is in excess of 25% of the net assets of the Scheme of the Mutual Fund. The Fund shall not borrow except to meet temporary liquidity needs of the Fund for the purpose of repurchase / redemption of Units or payment of interest and dividend to the Unitholders. Provided that the Fund shall not borrow more than 20% of the net assets of any individual Scheme and the duration of the borrowing shall not exceed a period of 6 months. The entire Schemes investments will be in transferable securities (whether in capital markets or money markets) or in privately placed debentures or securitised debt, or bank deposits (pending deployment in securities in line with the investment objectives of the scheme) or in money at call. Debentures, irrespective of any residual maturity period (above or below 1 year), shall attract the investment restrictions as applicable for debt instruments as specified under Clause 1 and 1A of the Seventh Schedule to the Regulations or as may be specified by SEBI from time to time. No loans for any purpose shall be advanced by the Scheme. The Fund may lend securities in accordance with the stock lending scheme of SEBI.

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The Scheme shall not invest in a fund of funds scheme. The Scheme will comply with any other regulations applicable to the investments of mutual funds from time to time.

The Trustees may alter the above restrictions from time to time to the extent that changes in the Regulations may allow and as deemed fit in the general interest of the unit holders. These investment restrictions shall in the ordinary course apply as at the date of the most recent transaction or commitment to invest, and changes do not have to be effected merely because, owing to appreciations or depreciations in value, or by reason of the receipt of any rights, bonuses or benefits in the nature of capital or of any schemes of arrangement or for amalgamation, reconstruction or exchange, or at any repayment or redemption or other reason outside the control of the Fund, any such limits would thereby be breached. If these limits are exceeded for reasons beyond its control, BSLAMC shall as soon as possible take appropriate corrective action, taking into account the interests of the Unitholders. In addition, certain investment parameters (like limits on exposure to Sectors, Industries, Companies, etc.) may be adopted internally by BSLAMC, and amended from time to time, to ensure appropriate diversification / security for the Fund. The Trustee Company / BSLAMC may alter these above stated limitations from time to time, and also to the extent the SEBI (Mutual Funds) Regulations, 1996 change, so as to permit the Schemes to make its investments in the full spectrum of permitted investments for Mutual Funds to achieve its investment objective. As such all investments of the Schemes will be made in accordance with SEBI (Mutual Funds) Regulations, 1996, including Schedule VII thereof.

J. SCHEME PERFORMANCE
This scheme is a new scheme and does not have any performance track record.

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Section III - UNITS AND OFFER

This Section provides details you need to know for investing in the scheme

A. NEW FUND OFFER

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

New Fund Offer Price This is the price per unit that the investors have to pay to invest during the NFO. Minimum Amount for Application in the NFO Minimum Target amount 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. However, if AMC fails to refund the amount within 6 weeks, interest as specified by SEBI (currently 15% p.a.) will be paid to the investors from the expiry of six weeks from the date of closure of the subscription period Maximum amount to be raised (if any) Plans / Options offered

Minimum of Rs. 5,000/- and in multiples of Re. 10/- thereafter during the NFO period. The minimum subscription (target) amount under the Scheme shall be Rs. 10,00,00,000/- during the New Fund Offer period. Therefore, subject to the applications being in accordance with the terms of this offer, full and firm allotment will be made to the Unit holders

N.A. The Scheme will have Dividend and Growth Plan. Dividend Plan shall have Payout option. Default Plan Growth Dividend Payout Option Under this option, it is proposed to declare dividends subject to the availability of distributable surplus as computed in accordance with SEBI Regulations. Dividends, if declared, will be paid (subject to deduction of tax at source, if any) to those Unitholders, whose names appear in the register of Unitholders on the notified record date. AMC reserves the right to change the record date from time to time. However, it must be distinctly understood that actual declaration of dividends and frequency thereof is at the discretion of trustees. There is no assurance or guarantee to Unitholders as to the rate of dividend distribution nor that the dividends will be paid regularly. On payments of dividends, the NAV will stand reduced by the amount of dividend paid and the dividend distribution tax, if applicable.

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Growth Plan Under this Plan, no dividends will be declared. The income attributable to units under this option will continue to remain invested and will be reflected in the NAV of the units under this option. Under Dividend Plan, it is proposed to declare dividends subject to the availability of distributable surplus as computed in accordance with SEBI Regulations. Dividends, if declared, will be paid (subject to deduction of tax at source, if any) to those unitholders, whose names appear in the register of unitholders on the record date. AMC reserves the right to change the record date from time to time. However, it must be distinctly understood that actual declaration of dividends and frequency thereof is at the discretion of trustees. There is no assurance or guarantee to unitholders as to the rate of dividend distribution nor that will the dividends be paid regularly. On payments of dividends, the NAV will stand reduced by the amount of dividend paid and the dividend distribution tax, if applicable. Dividend Distribution Procedure: The salient features with respect to the dividend distribution, in accordance with SEBI circular no. SEBI/IMD/CIR No.1/64057/06, dated April 4, 2006, are as follows: Quantum of Dividend and Record date shall be fixed by the Trustees. AMC shall issue a notice to the public communicating the decision about dividend including the record date, within one calendar day of the decision made by the trustees in their meeting. Record date shall be the date that will be considered for the purpose of determining the eligibility of investors whose name appear on the register of unitholders. Record date shall be five calendar days from the issue of notice. All Applicants whose cheques towards purchase of Units have been realised will receive a full and firm allotment of Units, provided that the applications are complete in all respects and are found to be in order. The Trustee retains the sole and absolute discretion to reject any application. The process of allotment of Units and mailing of account statements reflecting the allotments will be completed within 30 days from the date of closure of the New Fund Offer Period. An Account Statement reflecting the number of Units allotted will be dispatched within 10 Business Days to the Unit holder. For further details please refer Section on Account Statements under Ongoing offer details. Units in Fractions The Units will be computed and accounted for up to whole numbers (complete integers) only and no fractional units will be allotted. If any fractional units are calculated as a result of the application money/switch units received from the investors not in multiple of Rs.10/-the Units would be allotted to the extent of whole numbers (complete integers) only and the excess of application money/units corresponding to the fractional Units shall be refunded to the investor. If application is rejected, full amount will be refunded within 6 weeks of closure of NFO. If refunded later than 6 weeks, interest @ 15% p.a. for delay period will be paid and charged to the AMC. The following persons are eligible and may apply for subscription to the Units of the Scheme (subject, wherever relevant, to purchase of units of mutual funds being permitted under relevant statutory regulations and their respective constitutions): 1. Resident adult individuals either singly or jointly (not

Dividend Policy

Allotment

Refund

Who can invest This is an indicative list and you are requested to consult your financial advisor to ascertain whether the

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scheme is suitable to your risk profile. exceeding three) or on an Anyone or Survivor basis; Karta of Hindu Undivided Family (HUF) Minors through parent / legal guardian; Partnership Firms; Companies, Bodies Corporate, Public Sector Undertakings, Association of Persons or bodies of individuals and societies registered under the Societies Registration Act, 1860; Banks & Financial Institutions; Mutual Funds registered with SEBI; 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; Non-Resident Indians / Persons of Indian origin residing abroad (NRIs) on repatriation basis or on non-repatriation basis; Foreign Institutional Investors (FIIs) registered with SEBI on repatriation basis; Army, Air Force, Navy and other para-military units and bodies created by such institutions; Scientific and Industrial Research Organisations; Multilateral Funding Agencies / Bodies Corporate incorporated outside India with the permission of Government of India / Reserve Bank of India; Other schemes of Mutual Funds subject to the conditions and limits prescribed by SEBI Regulations; Trustee, AMC or Sponsor or their associates may subscribe to Units under the Scheme; Such other individuals / institutions / body corporate etc., as may be decided by the Mutual Fund from time to time, so long as wherever applicable they are in conformity with SEBI Regulations.

2. 3. 4. 5.

6. 7. 8.

9.

10. 11. 12. 13.

14. 15. 16.

Notes:

Non Resident Indians and Persons of Indian Origin residing abroad (NRIs) / Foreign Institutional Investors (FIIs) have been granted a general permission by Reserve Bank of India [Schedule 5 of the Foreign Exchange Management (Transfer or Issue of Security by a Person Resident Outside India) Regulations, 2000 for investing in / redeeming units of the mutual funds subject to conditions set out in the aforesaid regulations. In case of application under a Power of Attorney or by a limited company or a corporate body or an eligible institution or a registered society or a trust fund, the original Power of Attorney or a certified true copy duly notarised or the relevant resolution or authority to make the application as the case may be, or duly notarised copy thereof, alongwith a certified copy of the Memorandum and Articles of Association and/or bye-laws and / or trust deed and / or partnership deed and Certificate of Registration should be submitted. The officials should sign the application under their official designation. A list of specimen signatures of the authorised officials, duly certified / attested should also be attached to the Application Form. In case of a Trust / Fund it shall submit a resolution from the Trustee(s) authorising such purchases and redemptions.

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Returned cheques are not liable to be presented again for collection, and the accompanying application forms are liable to be rejected. In case the returned cheques are presented again, the necessary charges, if any, are liable to be debited to the investor. A minor Unit holder, on becoming major, may inform the Registrar about attaining majority, and provide his specimen signature duly authenticated by his banker as well as his details of bank account and a certified true copy of the PAN card, to enable the Registrar to update his records and allow him to operate the account in his own right. The list given above is indicative and the applicable law, if any, shall supersede the list No request for withdrawal of application made during the New Fund Offer Period will be entertained. Registrar & Transfer Agents Computer Age Management Services Pvt. Ltd. (CAMS) New No.10, Old No.178, M.G.R.Salai, Nungambakkam, Chennai 600 034. Contact Details: 1800-425-2267 E-mail.com: [email protected] Website Address:www.camsonline.com The application forms can also be submitted at the designated offices / ISCs of Birla Sun Life Mutual Fund as mentioned in this Scheme Information Document. Please refer to the SAI and Application form for the instructions. The scheme being offered through this Scheme Information Document is a close ended Scheme and the units offered under the Scheme will be listed on National Stock Exchange or any recognized stock exchanges as may be decided by AMC from time to time within 30 days from the closure of the New Fund Offer Period. As the units will be listed on stock exchanges, investors/ unitholders can buy / sell units on a continuous basis on the stock exchanges during the trading hours like any other publicly traded stock at market prices. The minimum number of Units that can be bought or sold on the Exchange is 1 (one) unit. Unitholders who wish to trade in units would be required to have a demat account. All investors may buy/sell Units on the Stock Exchange on all the trading days as per the settlement cycle of the Stock Exchange Although Units are to be listed on Stock Exchange, there can be no assurance that an active secondary market will develop or be maintained. The AMC and the Trustees will not be liable for delay in trading of Units on Stock Exchange due to the occurrence of any event beyond their control As per SEBI circular SEBI/IMD/CIR No. 12/147132/08 dated December 11, 2008 the units of the scheme will be listed on National Stock Exchanges for which the Trustees have obtained an in-principle approval from Exchange Inter-Scheme Switching option The Mutual Fund provides the investors the flexibility to switch their investments from any other open ended scheme(s) / plan (s) or close ended scheme launched prior to December 12, 2008 offered by the Mutual Fund to this scheme during the New Fund Offer period.

Where you can submit the filled up applications

How to Apply Listing

Special Products / facilities available during the NFO

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The policy regarding reissue of repurchased units, including the maximum extent, the manner of reissue, the entity (the scheme or the AMC) involved in the same. Restrictions, if any, on the right to freely retain or dispose of units being offered.

This Option will be useful to Unit holders who wish to alter the allocation of their investment among the open ended scheme(s) / plan(s) of the Mutual Fund (subject to completion of lock-in period, if any, of the units of the scheme(s) from where the units are being switched) in order to meet their changed investment needs. The Switch will be effected by way of a Redemption of Units from the Scheme / Plan and a reinvestment of the Redemption proceeds in an open-ended scheme / plan and accordingly, to be effective, the Switch must comply with the Redemption rules of the Scheme and the issue rules of the other scheme (for e.g. as to the minimum number of Units that may be redeemed or issued, Exit / Entry Load etc). The price at which the Units will be Switched out of the respective Plans will be based on the Redemption Price, and the proceeds will be invested in an open ended scheme / plan at the prevailing sale price for units in that scheme / plan. The scheme shall be listed and hence this clause is not applicable.

No redemption/repurchase of units shall be allowed prior to the maturity of the scheme. Investors wishing to exit may do so through stock exchange mode. Unitholders right to freely retain or dispose of units depend on the operations and trading activities of the Stock Exchange(s). The trading activities on the stock exchanges and / or the redemption of units on maturity may be restricted / affected in the following circumstances: 1. When one or more stock exchanges or markets, are closed otherwise than for ordinary holidays. 2. When, as a result of political, economic or monetary events or any circumstances outside the control of the Trustee and the AMC, the disposal of the assets of the Scheme are not reasonable, or would not reasonably be practicable without being detrimental to the interests of the Unit holders. 3. In the event of breakdown in the means of communication used for the valuation of investments of the Scheme, without which the value of the securities of the Scheme cannot be accurately calculated. 4. During periods of extreme volatility of markets, which in the opinion of the AMC are prejudicial to the interests of the Unit holders of the Scheme. 5. In case of natural calamities, strikes, riots and bandhs. 6. In the event of any force majeure or disaster that affects the normal functioning of the AMC or the ISC. 7. During the period of Book Closure. 8. If so directed by SEBI.

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B. ONGOING OFFER DETAILS

Ongoing Offer Period This is the date from which the scheme will reopen for subscriptions / redemptions after the closure of the NFO period Ongoing Price for subscription (purchase)/switch-in (from other schemes/plans of the Mutual Fund) by investors This is the price you need to pay for purchase/switch-in. Example: If the applicable NAV is Rs. 10, entry load is 2% then sales price will be: Rs. 10* (1+0.02) = Rs. 10.20. Ongoing Price for redemption (sale) /switch outs (to other schemes/plans of the Mutual Fund) by investors. This is the price you will receive for redemptions/switch outs. Example: If the applicable NAV is Rs. 10, exit load is 2% then redemption price will be: Rs. 10* (1-0.02) = Rs. 9.80. Where can the applications for purchase/redemption be submitted Minimum purchase amount for Not Applicable being a close ended scheme and redemption shall not be allowed prior to the maturity of the scheme This been a closed ended Scheme purchases are not available on an ongoing basis. Not applicable as no redemption / repurchase of units shall be allowed prior to the maturity of the scheme. Not Applicable being a close ended scheme Being a close-ended Scheme, investors can subscribe to the Units of the Scheme during the New Fund Offer Period only and the scheme will not reopen for subscriptions after the closure of NFO.

Not Applicable being a close ended scheme

Minimum balance to be maintained and consequences of nonmaintenance. Special Facilities Available Accounts Statements The Account Statement shall not be construed as a proof of title and is only a computer generated statement indicating the details of transactions under the Scheme and is a non-transferable document. The Account Statement will be issued in lieu of Unit C f

Not Applicable being a close ended scheme The AMC shall issue to the investor whose application has been accepted, an account statement specifying the number of units allotted within 30 days from the date of receipt of the request from the Unitholder. For those unitholders who have provided an e-mail address, the AMC will send the account statement by e-mail. The unitholder may request for a physical account statement by writing/calling the AMC/ISC/R&T In case of specific request is received from investors, account statements shall be provided to the investors within 5 working days from the receipt of such request without any charges

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Certificates. Normally no Unit certificates will be issued. However, if the applicant so desires, the AMC shall issue a non-transferable Unit certificate to the applicant within 30 days of the receipt of request for the certificate. Unit certificate if issued must be duly discharged by the Unit holder(s) and surrendered alongwith the request for Redemption/ Switch or any other transaction of Units covered therein. Redemption No Account Statements will be issued to investors opted to hold units in dematerialized mode. Annual Account Statement: The Mutual Funds shall provide the Account Statement to the Unitholders who have not transacted during the last six months prior to the date of generation of account statements. The Account Statement shall reflect the latest closing balance and value of the Units prior to the date of generation of the account statement. The account statements in such cases may be generated and issued along with the Portfolio Statement or Annual Report of the Scheme. Alternately, soft copy of the account statements shall be mailed to the investors e-mail address, instead of physical statement, if so mandated No redemption/repurchase of units shall be allowed prior to the maturity of the scheme. Investors wishing to exit may do so through stock exchange mode. On maturity of the scheme, the outstanding Units shall be redeemed and proceeds will be paid to such Unitholders, whose names appear in the Statement of Beneficiary Position as may be received from the Depositories on the record date or in the records of unitholders maintained by Registrar and Transfer Agent with respect to unitholders holding units in physical form. In case the Units are held in the names of more than one Unit holder, the Redemption proceeds will be paid only to the first named holder. In case of the Units on which any lien or encumbrance is marked and such lien or encumbrance is subsisting on the date of maturity, the Unitholder will be required to procure a release of their lien/encumbrance pending which, the maturity proceeds will not be paid. The Unitholder shall not be entitled for any interest or compensation for any delayed or non -payment of the maturity proceeds till such time the Unitholder provides proof of the release of the lien/encumbrance to the satisfaction of the Mutual Fund. In case the maturity date falls on a non -business day or if the banks / stock exchanges / Depositories remain closed on account of strike or any other unforeseen reason on the maturity Date, then the Scheme will mature and the Units will be redeemed on the next business day. Bank Details: In order to protect the interest of investors from fraudulent encashment of cheques, the current SEBI Regulations have made it mandatory for investors to mention in their application / Redemption request, the bank name and account number. Applications without these details will be rejected. The dividend warrants shall be dispatched to the unitholders within 30 days of the date of declaration of the dividend. payment of / repurchase The Asset Management Company shall be liable to pay interest to the unitholders at such rate as may be specified by SEBI for the period of such delay (presently @ 15% per annum) On listing, the Units of the scheme held in dematerialized form would be transferable. Transfers should be only in favour of transferees who are eligible for holding Units under the Scheme. The AMC shall not be bound to recognise any other transfer. For effecting the transfer of Units held in electronic form, the Unitholders would be required to lodge delivery instructions for transfer of Units with the DP in the requisite form as may be required from time to time and the transfer will be effected in accordance with such rules/regulations as may be in force governing transfer of securities in dematerialised mode.

Std. Obs 19

Dividend Delay in redemption proceeds

Transfer Facility

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If a person becomes a holder of the Units consequent to operation of law, or upon enforcement of a pledge, the Fund will, subject to production of satisfactory evidence, effect the transfer, if the transferee is otherwise eligible to hold the Units. Similarly, in cases of transfers taking place consequent to death, insolvency etc., the transferees name will be recorded by the Fund subject to production of satisfactory evidence

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C. PERIODIC DISCLOSURES
Net Asset Value This is the value per unit of the scheme on a particular day. You can ascertain the value of your investments by multiplying the NAV with your unit balance. NAV will be calculated up to two decimal places on all business days and released to the Press, News Agencies and the Association of Mutual Funds of India (AMFI). NAVs will also be displayed on the Website of the Mutual Fund. The NAV of the Scheme will be calculated for all business days and released to the Press. The NAVs shall also be published in two daily newspapers. NAVs will also be displayed on the Website of the Mutual Fund. AMC shall update the NAVs on the website of Association of Mutual Funds in India - AMFI (www.amfiindia.com) by 9.00 p.m. on the day of declaration of the NAV. In case of any delay, the reasons for such delay would be explained to AMFI. If the NAVs are not available before commencement of business hours on the following day due to any reason, Mutual Fund shall issue a press release providing reasons and explaining when the Mutual Fund would be able to publish the NAVs. The Subscription and Redemption price of Units shall be published in a daily newspaper in accordance with SEBI Regulations. The mutual fund shall publish a complete statement of the scheme portfolio and the unaudited financial results, within one month from the close of each half year (i.e. 31st March and 30th September), by way of an advertisement at least, in one National English daily and one regional newspaper in the language of the region where the head office of the mutual fund is located.

Std. Obs 17(a)

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

Annual Report

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

The mutual fund and Asset Management Company shall before the expiry of one month from the close of each half year that is on 31st March and on 30th September, publish its unaudited financial results in one national English daily newspaper and in a regional newspaper published in the language of the region where the Head Office of the mutual fund is situated. The Scheme wise annual report or an abridged summary thereof shall be mailed to all Unit holders not later than four months from the date of closure of the relevant accounting year and full annual report shall be available for inspection at the Head Office of the Mutual Fund and a copy shall be made available to the Unit holders on request on payment of nominal fees, if any. Investor who has provided his/her email address in the application form or any subsequent communication in any of the folio belonging to the investor, Birla Sun Life Mutual Fund (BSLMF) reserves the right to use Electronic Mail (email) as a default mode for sending various statutory communications to the investor. Please refer to Statement of Additional Information (SAI). For details on taxation please refer to the clause on Taxation in the SAI.

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his or her participation in the schemes. Investor services Investors may contact the ISCs or the office of the AMC for any queries /clarifications. The Head Office of the AMC will follow up with the respective ISC to ensure timely redressal and prompt investor services. Ms. Molly Kapoor, Head- Investor Services can be contacted at the office of the AMC at One India Bulls Centre, Tower 1, 17th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai - 400013.

D. COMPUTATION OF NET ASSET VALUE

The Net Asset Value (NAV) per Unit of the scheme will be computed by dividing the net assets of the scheme by the number of Units outstanding under the scheme on the valuation date. The Mutual Fund will value its investments according to the valuation norms, as specified in Schedule VIII of the SEBI Regulations, or such norms as may be specified by SEBI from time to time. NAV of Units under the scheme shall be calculated as shown below: Market or Fair Value of the schemes Investments + Current Assets (including accrued income) - Current Liabilities and Provisions (including accrued expenses) NAV (Rs) per Unit = No. of Units outstanding under the scheme The NAVs of the Scheme will be calculated upto two decimals on a daily basis. The NAVs of the growth option and dividend option will be different after the declaration of the first dividend

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Section IV FEES AND EXPENSES

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

A. NEW FUND OFFER EXPENSES

These expenses are incurred for the purpose of various activities related to the NFO like sales and distribution fees paid marketing and advertising, registrar expenses, printing and stationary, bank charges etc. All the initial issue expenses of the Scheme shall be borne by the AMC. The entire amount subscribed by the investor in the scheme during the New Fund Offer will be available to the scheme for investments.

B. ANNUAL SCHEME RECURRING EXPENSES

These are the fees and expenses for operating the scheme. These expenses include Investment Management and Advisory Fee charged by the AMC, Registrar and Transfer Agents fee, marketing and selling costs etc. as given in the table below: The AMC has estimated that upto 2.50% of the weekly average net assets of the scheme will be charged to the scheme as expenses. For the actual current expenses being charged, the investor should refer to the website of the mutual fund. However the AMC has estimated the expenses under the Scheme as per the table below:

(% per annum of average weekly net assets) Expense Head Birla Sun Life T - 20 Fund Investment Management and Advisory Fee 1.25% Trusteeship Fees 0.03% Custodian Fees 0.03% Marketing & Selling expenses including agents commission 0.60% Registrar & Transfer Agent Fees 0.07% Audit Fees 0.01% Costs of investor communication, funds transfer, account statement, 0.20% dividend etc. and statutory advertisement Such other expenses, which are directly attributable to the Scheme, 0.31% including initial and annual listing and depositories fees / charges Total Estimated Recurring Expenses 2.50% These estimates have been made in good faith as per the information available to the Investment Manager based on past experience and are subject to change inter-se. Types of expenses charged shall be as per the SEBI (MF) Regulations. The purpose of the above table is to assist the investor in understanding the various costs and expenses that an investor in the Scheme(s) will bear directly or indirectly. Expenses over and above the limits prescribed under the SEBI Regulations shall be borne by the AMC. As per the SEBI Regulations, the maximum recurring expenses including the investment management and advisory fee that can be charged to the Scheme shall be subject to a percentage limit of average weekly net assets as given in the table below. Subject to the SEBI Regulations and the Scheme Information Document, expenses over and above the prescribed ceiling will be borne by the AMC. First Rs. 100 Crores 2.50% Next Rs. 300 Crores 2.25% Next Rs. 300 Crores 2.00% Balance Assets 1.75%

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As per the SEBI Regulations, the AMC is entitled to an Investment Management and Advisory fee at the rate of 1.25% per annum of the weekly average net assets outstanding in each accounting year for the Scheme(s), as long as the net assets do not exceed Rs. 100 crore and 1.00% of the excess amount over Rs. 100 crore, where net assets so calculated exceed Rs. 100 crore. The asset management company is entitled to collect an additional management fee not exceeding 1% of the weekly average net assets outstanding in each financial year, for Schemes on no load basis. However, the total investment management fees shall be within the overall limits of recurring expenses allowed under the regulations.

C. LOAD STRUCTURE
Load is an amount that is paid by the investor to subscribe to the units or to redeem the units from the scheme. This amount is used by the AMC to pay commissions to the distributor and to take care of other marketing and selling expenses. Load amounts are variable and are subject to change from time to time. For the current applicable structure, please refer to the website of the AMC (www.birlasunlife.com) or may call at 1-800-22-7000/1-800-270-7000 or your distributor. Type of Load Entry Load Exit Load Load Chargeable (as %age of NAV) Nil Nil No redemption/repurchase of units shall be allowed prior to the maturity of the scheme. Investors wishing to exit may do so through stock exchange mode Std. Obs 16

In terms of SEBI circular no. SEBI/IMD/CIR No.4/ 168230/09 dated June 30, 2009, no entry load will be charged by the Scheme to the investor effective August 1, 2009. Upfront commission shall be paid directly by the investor to the AMFI registered Distributors based on the investors assessment of various factors including the service rendered by the distributor. With effect from August 01, 2009, exit load/ CDSC (if any) up to 1% of the redemption value charged to the unit holder by the Fund on redemption of units shall be retained by the schemes in a separate account and will be utilized for payment of commissions to the ARN Holder and to meet other marketing and selling expenses. Any imposition or enhancement of Load in future as may be permitted under SEBI Regulation shall be applicable on prospective investments only. At the time of changing the Load Structure following measures would be untaken to avoid complaints from investors about investment in the schemes without knowing the loads: I. The addendum detailing the changes would be attached to Scheme Information Document and Key Information Document. The addendum will be circulated to all the distributors / brokers so that the same can be attached to all Scheme Information Documents and Key Information Documents already in stock. Std. Obs 16

II. Arrangements will be made to display the addendum in the Scheme Information Document in the form of a notice in all the Investor Service Centres and distributors / brokers office. III. The introduction of the Exit Load alongwith the details would be stamped in the acknowledgement slip issued to the investors on submission of the application form and would also be disclosed in the statement of accounts issued after the introduction of such load. IV. A public notice would be given in respect of such changes in one English daily newpapers having nationwide circulation as well as in a newspaper publish in the launguage of region where the head office of the mutual fund is situated. V. Any other measure which the AMC/Mutual Fund may feel necessary. The investor is requested to check the prevailing load structure of the scheme before investing. For any change in load structure AMC will issue an addendum and display it on the website/Investor Service Centres.

D. WAIVER OF LOAD FOR DIRECT APPLICATIONS

Not Applicable

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Section V - RIGHTS OF UNITHOLDERS

Please refer to SAI for details.

Section VI - PENALTIES, PENDING LITIGATION OR PROCEEDINGS, FINDINGS

OF INSPECTIONS OR INVESTIGATIONS FOR WHICH ACTION MAY HAVE BEEN TAKEN OR IS IN THE PROCESS OF BEING TAKEN BY ANY REGULATORY AUTHORITY
1. All disclosures regarding penalties and action(s) taken against foreign Sponsor(s) may be limited to the jurisdiction of the country where the principal activities (in terms of income / revenue) of the Sponsor(s) are carried out or where the headquarters of the Sponsor(s) is situated. Further, only top 10 monetary penalties during the last three years shall be disclosed. NIL 2. In case of Indian Sponsor(s), details of all monetary penalties imposed and/ or action taken during the last three years or pending with any financial regulatory body or governmental authority, against Sponsor(s) and/ or the AMC and/ or the Board of Trustees /Trustee Company; for irregularities or for violations in the financial services sector, or for defaults with respect to share holders or debenture holders and depositors, or for economic offences, or for violation of securities law. Details of settlement, if any, arrived at with the aforesaid authorities during the last three years shall also be disclosed. a. SEBI has imposed a penalty of Rs. 75,000/- on Birla Sun Life Mutual Fund for non-compliance of disclosure requirements under Regulation 7(1) and (2) of SEBI (Substantial Acquisition of Shares and Takeovers) Regulations, 1997 pursuant to the acquisition of 1,61,200 shares (representing 5.01%of the paid up capital) of Subex Systems Ltd. on October 18, 1999 by the schemes of Birla Sun Life Mutual Fund. b. SEBI issued a letter to the erstwhile Birla Global Finance Limited (BGFL) now amalgamated with ABNL alleging violation of Regulation 6(2) of the Takeover Code in the year 1997 and the Company has agreed to settle the same by settlement consent order. SEBI had introduced a Regularization Scheme, 2002 (the Scheme) for non-compliance with Regulation 6 & 8 of the Securities and Exchange Board of India (Substantial Acquisition of Shares and Takeovers) Regulations, 1997 in the year 2002-03 and BGFL did not avail of the Scheme. SEBI vide its letter dated July 21, 2004 imposed a penalty on BGFL under section 15A of SEBI Act, 1992 and also informed BGFL that they were liable for prosecution under section 24 of the SEBI Act, 1992. SEBI also decided to consider the request of BGFL for consent order if BGFL was willing to pay a penalty of Rs. 25,000. BGFL vide its letter dated August 19, 2004 consented to pay the penalty and was also willing to waive their right to a hearing under rule 4(5) of SEBI (Procedure for Holding Inquiries and Importing of Penalties by Adjudicating Officer) Rules, 1995.In this regard Final Order is awaited from SEBI. c. SEBI issued a notice to Birla Sun Life Asset Management Company Limited (BSL AMC) on June 4, 2008 and initiated proceedings under Rule 4(3) of SEBI (Procedure for Holding Inquiry and Imposing Penalties by Adjudicating Officer) Rules, 1995 alleging non compliance of regulation 28(1) of SEBI (Mutual Fund) Regulations, 1996. Pending adjudication proceedings, BSL AMC filed an application for passing of Consent Order in terms of SEBI Circular No. EFD/ED/Cir1/2007 dated April 20 2007. The consent terms proposed by BSL AMC were placed before the High Powered Advisory Committee (HPAC) and HPAC recommended the case for settlement. BSL AMC remitted a sum of Rs. 1,25,000/- towards the terms of consent in the matter. SEBI vide its order dated May 18, 2009 has disposed the pending adjudication proceedings against BSL AMC and the matter stands settled. Std. Obs 20

3. Details of all enforcement actions taken by SEBI in the last three years and/ or pending with SEBI for the violation of SEBI Act, 1992 and Rules and Regulations framed there under including debarment and/ or suspension and/ or cancellation and/ or imposition of monetary penalty/adjudication/enquiry proceedings, if any, to which the Sponsor(s) and/ or the AMC

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and/ or the Board of Trustees /Trustee Company and/ or any of the directors and/ or key personnel (especially the fund managers) of the AMC and Trustee Company were/ are a party. The details of the violation shall also be disclosed. a. SEBI issued a letter to the erstwhile Birla Global Finance Limited (BGFL) now amalgamated with Aditya Birla Nuvo Ltd. (ABNL) alleging violation of Regulation 6(2) of Takeover Regulations in the year 1997. SEBI vide its letter dated July 21, 2004 imposed a penalty on BGFL under section 15A of SEBI Act, 1992 SEBI also decided to consider the request of BGFL for consent order if BGFL was willing to pay a penalty of Rs. 0.025 million. BGFL vide its letter dated August 19, 2004 consented to pay the penalty and agreed to waive their right to a hearing under rule 4(5) of SEBI (Procedure for Holding Inquiries and Importing of Penalties by Adjudicating Officer) Rules, 1995. The matter is currently pending.] b. BGFL, (now ABNL) sanctioned a credit facility of Rs. 50 million to one Mr. Manoj Seksaria and to secure the said facility the borrower executed a loan cum pledge agreement in favour of BGFL by which 36500 shares of Reliance Industries were pledged to BGFL. BGFL at the borrowers request invoked the pledge and sold the shares through its broker to settle its loan, interest and other dues without being aware about the ex-parte interim order passed by SEBI in respect of the irregularity in IDFC-IPO case under, wherein the borrower was directed not to buy, sell or deal in the security market. Subsequently, ABNL received a show cause notice dated April 21, 2008 from the Adjudicating Officer, SEBI, alleging contravention and penalty under Section 15HB of the SEBI Act. On July 2, 2008, ABNL has filed an Application before SEBI to obtain Consent Order. As per the terms of settlement ABNL paid Rs. 20,000/- towards settlement charges and SEBI passed consent order no. AO/BS/39/2008 dated 17th November, 2008. c. Pursuant to a buy back option exercised by Indian Rayon and Industries Ltd (now ABNL) one of the erstwhile promoter entity viz Turquoise Investments and Finance Ltd (TIFL) had purchased 139103 shares of Indian Rayon during 20.03.2001 to 17.04.2001. Vide a letter dated 07.12.2007 SEBI through its investigation department directed ABNL to furnish certain information. Thereafter ABNL vide its letter dated 22.12.07 furnished the information sought by SEBI thereby interalia clarifying that a) TIFL have been purchasing the shares of ABNL since 1997, b) in the Explanatory statement to the notice of convening 44th AGM of ABNL it was clearly mentioned that promoters of ABNL which included TIFL were not allowed to tender their shares for the purpose of buy back. Thereafter SEBI vide its letter dated 16.01.2008 interalia sought the status of implementation of certain /Corporate announcements made by ABNL along with other documents. Accordingly ABNL vide its letter dated 18.01.2008 has replied giving the status of the corporate announcements. Thereafter ABNL has not received any correspondence or orders in this regard from SEBI. Ramniranjan Kedia Tourism Services Private Limited (RNK) had issued three letters dated October 10, 2006, October 13, 2006 and October 30, 2006, inter alia to SEBI alleging that there were certain proceedings involving RNK which were not included in the draft letter of offer filed with SEBI. ABNL filed replies with SEBI providing its response to the allegations made by RNK.

d. Complaints before SEBI

4. Any pending material civil or criminal litigation incidental to the business of the Mutual Fund to which the Sponsor(s) and/ or the AMC and/ or the Board of Trustees /Trustee Company and/ or any of the directors and/ or key personnel are a party should also be disclosed separately. a. Sun Life Financial Inc. (SLF Inc.) and its subsidiaries are regularly involved in legal actions, both as a defendant and as a plaintiff. Management does not believe that the conclusion of any current legal matters, either individually or in the aggregate, will have a material adverse effect on SLF Inc.s financial condition or results of operations. b. A suit has been filed by a Bank before the Honble High Court of Mumbai, against an investor holding units of mutual fund in the schemes of BSLMF on which lien has been marked in favour of the said bank. BSLAMC has also been made one of the parties in the said suit. The said bank has inter alia sought an injunction restraining the investor from encumbering, redeeming or in any manner disposing off the said units and also restraining BSLAMC from releasing the lien marked on the said units.. c. An Investor of BSLAMC, claimed monetary losses from BSLAMC in the Honble Civil Court at Chandigarh, due to an apparent delay in processing redemption request. The amount claimed by the Investor is the difference in NAV value between: the date of redemption processed for another investor of BSLMF (having submitted redemption request on the same day) and the date

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of processing the Redemption Request of the said investor(claimant). Seperately, on several occasions, cheques submitted by the said Investor for investment in BSLMF, had bounced. The amount claimed by the said Investor from BSLAMC is Rs. 1.06 lacs d. BSLAMC had taken a premises on Lease for its branch office. The Lease period was 3years, which was thereafter renewed by 3 years and then renewed by over one year. BSLAMC paid off all the rent/dues to the Landlord for the said period. However the Landlord claimed damages of Rs.2.28 lacs from BSLAMC in the Honble District Court, Jaipur, for not having received the peaceful & vacant possession of the Leased Premises from BSLAMC. e. There are cases pending before various Consumer Redressal Forums filed against the BSLAMC. The value of the amount disputed / claimed aggregates to Rs. 7.778lacs. 5. Any deficiency in the systems and operations of the Sponsor(s) and/ or the AMC and/ or the Board of Trustees/Trustee Company which SEBI has specifically advised to be disclosed in the SID, or which has been notified by any other regulatory agency, shall be disclosed. Government and regulatory bodies in Canada, the United States, the United Kingdom and Asia, including provincial and state regulatory bodies, state attorneys general, the Securities and Exchange Commission, the Financial Industry Regulatory Authority and Canadian securities commissions, from time to time make inquiries and require the production of information or conduct examinations concerning compliance by SLF Inc. and its subsidiaries with insurance, securities and other laws. Management does not believe that the conclusion of any current regulatory matters, either individually or in the aggregate, will have a material adverse effect on SLF Inc.s financial condition or results of operations. No other cases.

The Scheme under this Scheme Information Document was approved by the Trustees on November 3, 2009. Notwithstanding anything contained in this Scheme Information Document, the provisions of the SEBI (Mutual Funds) Regulations, 1996 and the guidelines there under shall be applicable. For and on behalf of the Board of Directors of Birla Sun Life Asset Management Company Ltd. Sd/PLACE: MUMBAI DATE: November__, 2009 Rajiv Joshi Compliance Officer Std. Obs 22

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THE REGISTRAR
BSLAMC has appointed Computer Age Management Services Pvt. Ltd. (CAMS) located at New No.10, Old No.178, M.G.R.Salai, Nungambakkam, Chennai - 600 034 to act as Registrar and Transfer Agents (The Registrar) to the Schemes. The Registrar is registered with SEBI under registration number INR 000002813. For further details on our Fund, please contact our customer service centres at details given below BRANCH OFFICE OF BIRLA SUN LIFE MUTUAL FUND
Agra : F/1,Kailash Towers,Sanjay Place,Agra-282002 Ahmedabad : 2nd floor , Shivalika Point , opp Abhujeet -1 Near Mithakali, Six Road Navrangpura - Ahemdabad - 380009 Ajmer : Shop No.5,6, Ist Floor, India Square Building , Kutchery Road, Ajmer Allahabad : Upper ground floor,45/1(202),MG Marg,Civil Lines,Allahabad-211001 Alwar : Krishna Complex, Plot no 17, Tej Mandi Station Road, Alwar - 301001 Ambala : 6351/14 Nicholson Road Above Archies Gallery Ambala Cantt-133001 Haryana Amravati : 1st Floor,Katri Mall, Morchi Road, Amravati - 444602 Amritsar : Central mall, 3rd Floor, Opp ICICI Prudential, Mall Road, Amritsar Anand : 306-307 , Triveni Arcade , V V Nagar Road , Anand 388001 Aurangabad : 1st Floor , Sanjivani Complex, Near Ratnaprabha Motors , Opp LIC Office, Adalat Road, Aurangabad - 431001 Bangalore - Cunningham Road : G 206/207, H M Geneva House, 14 Cunnigham Road, Bangalore : 560052 Bangalore - Jayanagar : #14, South end road, Basavanagudi, Next to Surana College, Bangalore-560004 Bangalore - Malleswaram : No.1 14 A Cross 3rd Floor Sampige Road Malleshwaram, Bangalore: 560003 Baroda : 3/A sun complex , opp Race Course Tower,Next to CITIbank Rd, Vadodara-390007 Belgaum : 1st Floor, Beside Canara Bank, Opp. Meenaxi Bhavan,Station Road, Belgaum - 590 001 Bharuch : 205/206, Aditya Complex, Kasak Circle, Bharuch -392001 Bhavnagar : Shree Vallabh Complex,Ground Floor, G ( 1 to 3 )C,Opp Joggers Park, Waghawadi Road,Bhavnagar -364002 Bhilai : Shop no-9 2nd floor Chauhan estate G E Road Bhilai( C.G) 490023 Bhopal : 149 Kamal Tower , MP Nagar Zone 1 Bhopal - 462011 Bhubaneswar : 77,Janpath,Kharvelnagar Bhubaneshwar-751001 Calicut : SHOP No:110111,First FLOOR, Calicut Mall, Stadium Junction, Puthiyara Road, Calicut--673004 Chandigarh : Birla Sunlife Asset Management Co Ltd, S.C.O-55-56-57,2nd Floor, Above IDBI BANK, Sector-8-C, Chandigarh-160018 Chennai - Anna Nagar : 334/4,Galaxy Appts, 2 nd Avenue, Anna Nagar, Chennai-40 Chennai - Egmore : " Kuber", 1st Floor, 42, Pantheon Road, Egmore, Chennai 600008 Cochin : Casa Blanca, 2nd Floor, Opp: CITI BANK , M.G Road ,Cochin-682 035 Coimbatore : 723 A & B, II nd Floor, Thirumalai Towers, Avinashi Road , Coimbatore - 641018 Dehradun : 97 India Trade Centre,Rajpur road,Adjoining hotel Madhuban,Dehradun-248001 Delhi : C - 34, First Floor, Inner Circle, Connought Place, New Delhi - 1 Dhanbad : Shop No-202 2nd Floor Shriram Plaza Bank More Dhanbad-826001 Durgapur : City Centre City Plaza,3rd Floor Durgapur-16 Erode : N R Complex,1st Floor, 1B,Veerabadra Street IV, Park Approach Road, Near Hotel Oxford, Erode-638003 Gurgaon : 617,Galleria Commercial Complex,DLF City Phase IV, Gurgaon-122002 Guwahati : Orion Towers#7,8 1st Floor,G.S. Road Guwahati-781005 Gwalior : Alaknanada Tower , 4th Floor, Plot no 45 A , City center , Gwalior - 474001 Hubli : 15, Upper Ground Floor, Vivekanand Corner, Desai Cross, Hubli580029 Hyderabad - Abids : 102 1st floor, Oasis Plaza, D.No:4-1-898, Tilak Road, Abids, Hyderabad 500001 Indore : 405 City Centre 570 M G Road , Indore 452001 Jabalpur : Mangalam 2nd Floor , Shastri ridge Road,Napier Town Jabalpur Jaipur : 204, 2nd Floor, Ganpati Plaza, M.I Road, Jaipur 302001 Jalandhar : 210, 2nd Floor, Grand Mall,Jalandhar-144001 Jammu : TRG Building, 5th Floor, Gandhi Nagar, Behind Baahu Plaza, Jammu - 180004 Jamnagar : 209, Madhav Darshan Complex, Lal Bunglow Road Jamnagar - 361001 Jamshedpur : 4/1,4th floor Aditya Towers Bistupur,Opp Bistupur Police Station,Bistupur-831001 -Jamshedpur Jodhpur : KK.Plaza II nd Floor, Sardarpura Ist B Road, Jodhpur Kanpur : 114/113,Kan chambers,office No. 103-106,Civil Lines,Kanpur-208001 Kolhapur : Shop No. S-1a , ' E ' Ward , CTS No.264/k , Tarabai Park, Kolhapur - 416003. Kolkata : 2nd Floor JK Millenium Centre,46D Jwaharlal Nehru Road -Kolkata-700071 Kota : 390 2nd Floor, Shopping Centre, Near Ghodawala Baba Chauraha, Kota-324004 Lucknow : 103-B,1st Floor,Shalimar Square,Lalbagh,Lucknow-226001 Ludhiana : SCO-2,Ground Floor,ABC Building,Feroze Gandhi Market, Ludhiana-141001 Madurai : S.E.V.Grandson 1st Floor, 280-B, Good Shed Street, Madurai 625 001 Mandi Gobindgarh : Ward No. 11, Post Office Road, Near State Bank of India, Mandi Gobindgarh 147301 Mangalore : 6th Floor, Essel Towers, Bunds Hostel Circle, Mangalore - 575003 Margao : Ground Floor,Shop No.7 & 8, Colaco Building,Abade Faria Road,Margao-Goa,403601 Mathura : Sangam Complex, 1st Flr., Krishna Nagar Chowk, Gobardhan Road, Mathura 281004 Meerut : Unit 103,Om plaza, opposite Ganga Plazxa,Begum bridge road, Merrut Mehasana : Gr. Floor, Shop no G (1 to 3), C, Shri Vallabh Complex, Bhavnagar, Gujarat-364002 Moradabad : Near Hotel Rajmahal,Infront of Dr P K Das,Civil Lines,Moradabad-244001 Mumbai - Borivali : Victory Park, A/405, Roshan Nagar, Chandavarker Lane, Borivali (W), Mumbai -400092 Mumbai - Ghatkopar : 506507, 5th Floor, Kailas Plaza, Vallabhbaug Lane, Ghatkopar Mumbai ( Industry House) : Industry House, 1st Floor Churchgate Reclamation, Mumbai 400 020 Mumbai (India Bulls) : One India Bulls Centre , Tower 1, 17th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai 400 013. Mysore : No. 442-443, Laxman Plaza, Chamraja Double Road, Near Ramaswamy Circle, Mysore -570024 Nagpur : 1st Floor, Kapish House Appartments,282, Mata Mandir Road, Near Khare Town, Dharampeth, Nagpur - 440 010 Nasik : Shop no 1, Samruddhi Residency, Opp Hotel City Pride, Tilakwadi, Nasik 422002. Noida : N-22,Ist Floor, Sector-18,Noida Panipat : N.K Tower,Office no -1, Second Floor,G.T Road, Panipat-132103 Panjim : 507-508, Kamat Towers, Patto Plaza, Panjim, Goa - 403 001 Patna : 511/512,5th floor Ashiana Hari Niwas ComplexDak Bunglow Road Patna 800001 Pondicherry : 116 1st floor, Jayalxmi Complex, Thiruvalluvar Salai, Pondicherry - 605013 Pune (Bhandarkar Rd) : Shop No.A5/1, Ground Floor, Near Millennium Tower, Bhandarkar Institute Rd, Deccan Gymkhana, Shivajinagar, Pune-411004. Pune (Main): Kapil Towers, 'C' Wing, 1st Floor, Near Sangam Bridge, R.T.O., Dr. Ambedkar Rd., Pune - 411001. Pune (Pimpri): A-17, Empire Estate,Near Ranka Jewellers, Pimpri Branch, Pune-411019. Raipur: 2nd Floor Chawla Complex Devandra Nagar Road Sai Nagar,Raipur - 492001 Rajkot : 915- Star Plaza,Full chap chowk,Rajkot-360001 Ranchi : 2nd floor Liya complex P.P compound Ranchi-834001 Salem : No4,Anura Complex, Omalur Main Road, Angammal Colony entrance, Salem - 636009 Siliguri : Ganpati Plaza 2nd floor,Near File Cineme hall,Sevoke Road Siliguri-734001 Surat : G1-G2, Jolly Plaza, Athwagate, Surat- 395001 Thane : Konark Tower Ground Floor, Shop 13 - 15, Ghantali Road, Thane (W), Thane - 400602 Trichy : 19/1 1ST Floor Kingstone Park, Ramalinganagar Puthur High Road, Woraiyur,Trichy_620017 Trivandrum : 3rd,Floor,Kailas Plaza,Pattom,Trivandrum - 695 004 Udaipur : 209-210 Daulat Chambers, 4-D Sardarpura 2nd Floor, Udaipur-313001 Valsad : 103, Amar Chambers, Nr ICICI Bank, Opp. Lal School, Station Road, Valsad - 396001 Vapi : 145-146 Tirupati Plaza Chala Road, VAPI 396191. Varanasi: Arihant Complex, 3rd Floor, D-9/127 C- 4,Sigra, Varanasi-10 Vashi: Arneja Corner, 217, 2nd Flr., New Mumbai Vijayawada: K.P.Towers, 40-1-52/6, Birla Sun Life Insurance, Acharya Ranga Nagar , vijaywada -520010 Vishakapatnam : 1st Floor , B-2,Pavan Palace,Opp T.S.R.Complex,Dawarkanagar, Vishakapatnam -530016

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ADDRESS OF CAMS CENTERS:

Agartala: Advisor Chowmuhani (Ground Floor), Agartala, Tripura, Agartala - 799001 Agra: No. 8, II Floor, Sanjay Place, , Uttarpradesh, Agra - 282002 Ahmedabad: 402-406, 4th Floor - Devpath Building, Behind Lal Bungalow, Ellis Bridge, Gujarat, Ahmedabad - 380 006 Ahmednagar: 203-A,Mutha Chambers, Market Yard Road, Ahmednagar , Maharashtra, Ahmednagar - 414 001 Ajmer: Shop No.S-5, Second Floor, Rajasthan, Ajmer - 305001 Akola : Opp. RLT Science College, Maharashtra, Akola 444001 Aligarh: City Enclave, Opp. Kumar Nursing Home, U.P., Aligarh - 202001 Allahabad: No.7 Ist Floor, 3, S.P. Marg, Civil Lines, Uttarpradesh, Allahabad - 211001 Alwar: 256A, Scheme No:1, Rajasthan, Alwar - 301001 Amaravati : 81, Gulsham Tower, 2nd Floor , Maharashtra, Amaravati - 444601 Ambala: Opposite PEER, Ambala, Haryana, Ambala - 134003 Amritsar: 378Majithia Complex, 1st Floor, Punjab, Amritsar - 143001 Anand: 101, A.P. Tower, Next to Nathwani Chambers, Gujarat, Anand 388001 Anantapur: 15-570-33, I Floor, Anantapur , A.P., Anantapur - 515 001 Andheri (parent: Mumbai ISC): 1, Skylark Ground Floor, Azad Road, Andheri ( E), Andheri, Maharashtra, Andheri - 400069 Angul: Angul, Orissa, Angul - 759122 Ankleshwar: G34, Ravi Complex, Gujarat, Ankleshwar- Bharuch - 393 002 Asansol: Block G 1st Floor , Rambandhu Talab P O Ushagram, West Bengal, Asansol - 713303 Aurangabad : Office No. 1, 1st Floor, Juna Bazar, , Maharashtra, Aurangabad - 431001 Bagalkot: No. 6, Ground Floor, Pushpak Plaza, Station Road, Near Basaveshwar Circle, Bagalkot , Karnataka, Bagalkot - 587 101 Balasore: B C Sen Road, Orissa, Balasore - 756001 Bangalore: Trade Centre, 1st Floor, ( Next to Manipal Centre ), Karnaaka, Bangalore - 560 042 Bareilly: F-62-63, Butler Plaza, Civil Lines, Bareilly , U.P., Bareilly - 243001 Belgaum: Tanish Tower, Tilakwadi, Karnataka, Belgaum - 590006 Bellary: No.18A, 1st Floor, Parvathi Nagar Main Road, Karnataka, Bellary - 583103 Berhampur: First Floor, Upstairs of Aaroon Printers, Orissa, Orissa, Berhampur - 760001 Bhagalpur: Dr R P Road , Bihar, Bhagalpur - 812002 Bharuch (parent: Ankleshwar TP): F-108, Rangoli Complex, , Bharuch , Gujarat, Bharuch - 392001 Bhatinda: 2907 GH,GT Road, BHATINDA, Punjab, BHATINDA - 151001 Bhavnagar: 305-306, Sterling Point, OPP. HDFC BANK, Gujarat, Bhavnagar - 364002 Bhilai: 209 , Khichariya Complex, Nehru Nagar Square, Chhattisgarh, Bhilai - 490020 Bhilwara: C/o Kodwani & Associates, Azad Market, Rajasthan, Bhilwara - 311001 Bhopal: Plot No.13, Zone-I, M.P.Nagar, Madhya Pradesh, Bhopal - 462011 Bhubaneswar: 101/ 7, Janpath, Unit III , Orissa, Bhubaneswar - 751 001 Bhuj: Data Solution, Office No:17, Municipal Building Opp Hotel Prince, Station Road, Gujarat, Bhuj - Kutch - 370001 Bhusawal (Parent: Jalgaon TP): 3, Adelade Apartment, Amardeep Talkies Road, Bhusawal, Maharashtra, Bhusawal - 425201 Bikaner: 6/7 Yadav Complex, Bikaner, Rajasthan, Bikaner - 334001 Bilaspur: Beside HDFC Bank, Bilaspur, Chattisgarh, Bilaspur - 495 001 Bokaro: Mazzanine Floor, Bokaro Steel City, Jharkhand, Bokaro - 827004 Burdwan: 399, G T Road, West Bengal, Burdwan - 713101 C.R.Avenue (Parent: Kolkata ISC): 33,C.R Avenue, Kolkata, West Bengal, Kolkata - 700012 Calicut: 29/97G 2nd Floor, Mavoor Road, Arayidathupalam, Kerala, Calicut - 673016 Chandigarh: SCO 80-81, IIIrd F, Punjab, Chandigarh - 160 017 Chandrapur: Above Mustafa Decor, Near Bangalore Bakery, Kasturba Road, Chandrapur, Maharashtra., Chandrapur - 442 402 Chennai: Ground Floor No.178/10, Kodambakkam High Road, Nungambakkam, Tamil Nadu, Chennai - 600 034 Cochin: 40 / 9633 D, Veekshanam Road, Kerala, Cochin - 682 035 Coimbatore: Old # 66 New # 86, Lokamanya Street (West), R.S.Puram, Tamil Nadu, Coimbatore - 641 002 Cuttack: Near Indian Overseas Bank, Mata Math, Orissa, Cuttack - 753001 Darbhanga: Shahi Complex,1st Floor, Laheriasarai, Darbhanga, Bihar, Darbhanga - 846001 Davenegere: 13, Ist Floor, Church Road, P.J.Extension, Karnataka, Devengere - 577002 Dehradun: 204/121 Nari Shilp Mandir Marg , Uttaranchal, Dehradun - 248001 Deoghar: S S M Jalan Road, Opp. Hotel Ashoke, Caster Town, Jharkhand, Deoghar - 814112 Dhanbad: Urmila Towers , Bank More, Jharkhand, Dhanbad - 826001 Dharmapuri : 94, Kandasami Vathiyar Street , Dharmapuri , Tamil Nadu, Dharmapuri - 636 701 Dhule : H. No. 1793 / A, J.B. Road, Maharashtra, Dhule - 424 001 Durgapur: 4/2, Bengal Ambuja Housing Development Ltd, West Bengal, Durgapur - 713 216 Erode: 197, Seshaiyer Complex, Tamil Nadu, Erode - 638001 Faizabad: 64 Cantonment, Faizabad, Uttar Pradesh, Faizabad - 224001 Faridhabad: B-49, Ist Floor, Behind Anupam Sweet House, NIT, Haryana, Faridhabad - 121001 Ghaziabad: 113/6 I Floor, Uttarpradesh, Gazhiabad - 201001 Goa: No.108, 1st Floor, Gurudutta Bldg, M G Road, Goa, Panaji (Goa) - 403 001 Gorakhpur: Shop No. 3, Second Floor, The Mall, Bank Road , Uttarpradesh, Gorakhpur - 273001 Gulbarga: Pal Complex, Ist Floor, Gulbarga, Karnataka, Gulbarga - 585 101 Guntur: Door No 5-38-44, Near Ravi Sankar Hotel, Andhra Pradesh, Guntur - 522002 Gurgaon: SCO - 17, 3rd Floor, Haryana, Gurgaon - 122001 Guwahati: A.K. Azad Road, Rehabari, Assam, Guwahati - 781008 Gwalior: 1st Floor, Singhal Bhavan, Old High Court Road, Madhya Pradesh, Gwalior - 474001 Haldia: Durgachak Post Office,Durgachak Post Office, West Bengal, Haldia - 721 602 Haldwani: Durga City Centre, Haldwani , Uttarakhand, Haldwani - 263139 Hazaribag: Municipal Market, Hazaribagh, Jharkhand, Hazaribagh - 825301 Himmatnagar: C-7/8 Upper Level, Near Railway Crossing, Himmatnagar , Gujarat, Himmatnagar - 383 001 Hisar: 12, Opp. Bank of Baroda, Hisar, Haryana, Hisar - 125001 Hoshiarpur: Near Archies Gallery,Hoshiarpur, Punjab, Hoshiarpur - 146 001 Hosur: Shop No.8 J D Plaza, Royakotta Road, Tamil Nadu, Hosur - 635109 Howrah (Parent: Kolkata ISC): Gagananchal Shopping Complex, 37,Dr. Abani Dutta Road,Salkia , Howrah, West Bengal, Howrah - 711106 Hubli: 206 & 207. 1st Floor, Opp Court, Club road, , Karnataka, Hubli - 580029 Hyderabad: 208, II Floor, Paradise Circle, Andhra Pradesh, Secunderabad - 500 003 Indore: 101, Shalimar Corporate Centre, Madhya Pradesh, Indore - 452 001 Itarsi: 1st Floor, Shiva Complex, , Itarsi , Madhya Pradesh, Itarsi - 461 111 Jabalpur: 975,Chouksey Chambers, 4th Bridge, Napier Town, , Madhya Pradesh, Jabalpur - 482001 Jaipur: R- 7, Yudhisthir Marg ,C-Scheme, , , Rajasthan, Jaipur - 302 001 Jalandhar: 367/8, Central Town, , , Punjab, Jalandhar - 144001 Jalgaon: Rustomji Infotech Services, Opp. Old Bus Stand, , Maharashtra, Jalgaon - 425001 Jalna C.C. (Parent: Aurangabad): Shop No: 11, 1St Floor, Ashoka Plaza, Subhash Road, Jalna, Maharashtra, Jalna - 431 203 Jammu: 660- Gandhi Nagar, J &K, Jammu - 180004 Jamnagar: 217/218, Manek Centre , Gujarat, Jamnagar - 361001 Jamshedpur: Millennium Tower, "R" Road, Bistupur, Jharkhand, Jamshedpur - 831001 Jhansi: Opp SBI Credit Branch, Gwalior Road, Uttarpradesh, Jhansi - 284001 Jodhpur: 1/5, Nirmal Tower, Rajasthan, Jodhpur - 342003 Junagadh: Circle Chowk, , Gujarat, Gujarat, Junagadh - 362001 Kadapa: Door No.1-1625, DNR Laxmi Plaza, Yerramukkapalli, Kadapa, Andhra Pradesh, Kadapa - 516 004 Kakinada: No.33-1, 44 Sri Sathya Complex, Kakinada, A.P., Kakinada - 533 001 Kalyani: A -1/50, Block - A, West Bengal, Kalyani - 741235 Kannur: Room No.14/435, Talap, Kannur, Kerala, Kannur - 670004 Kanpur: I Floor 106 to 108, 63/ 2, THE MALL, Uttarpradesh, Kanpur - 208 001 Karimnagar: HNo.7-1-257, Upstairs S B H, Karimnagar , A.P., Karimnagar - 505 001 Karnal (Parent :Panipat TP): Kunjapura Road, Karnal, Haryana, Karnal - 132001 Karur: # 904, 1st Floor, Karur , Tamil Nadu, Karur - 639 001 Kestopur: AA 101, Prafulla Kanan, Ground Floor, Kolkata, West Bengal, Kestopur - 700101 Kharagpur: 623/1 Malancha Main Road, Kharagpur, West Bengal, Kharagpur - 721304 Kolhapur: AMD Sofex Office No.7, 3rd Floor, Station Road, , Maharashtra, Kolhapur - 416001 Kolkata: "LORDS Building", Ground Floor, West Bengal, Kolkata - 700 071 Kollam: Kochupilamoodu Junction, Kerala, Kollam - 691001 Kota: B-33 'Kalyan Bhawan, Rajasthan, Kota 324007 Kottayam: Door No. IX / 1276, Manorama Junction, Kerala, Kottayam - 686001 Kumbakonam: Jailani Complex, Tamil Nadu, Kumbakonam - 612001 Kurnool: H.No.43/8, Upstairs, Kurnool , A.P., Kurnool - 518 004 Latur: Kore Complex, 2nd Cross Kapad Line, Latur, Maharashtra, Latur - 413 512 Location: Address , Address (continued), Address (continued), State, City - Pin code Lucknow: Off # 4,1st Floor,Centre Court Building, Uttarpradesh, Lucknow - 226 001 Ludhiana: U/ GF, Prince Market, Green Field, Pakhowal Road, Punjab, Ludhiana - 141 002 Madurai: 86/71A, Tamilsangam Road, Tamil Nadu, Madurai - 625 001 Malda: Daxhinapan Abasan, SM Pally, Malda, West Bengal, Malda - 732 101 Mangalore: No. G 4 & G 5, Inland Monarch, Kadri Main Road, Kadri, Karnataka, Mangalore - 575 003 Manipal: Academy Annex, First Floor, Upendra Nagar, Karnataka, Manipal - 576104 Mapusa (Parent ISC : Goa): Office no.CF-8, 1st Floor, Business Point, Angod, Mapusa, Goa, Mapusa - 403 507 Margao:

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Virginkar Chambers I Floor, Near Lily Garments, Old Station Road, Margao, Goa, Margao - 403 601 Mathura: 159/160 Vikas Bazar, Uttarpradesh, Mathura - 281001 Meerut: 108 Ist Floor Shivam Plaza, Uttarpradesh, Meerut - 250002 Mehsana: 1st Floor, Subhadra Complex, Mehsana, Gujarat, Mehsana - 384 002 Moga: Plot No.991, Lower Ground Floor, Opp. State Bank of Patiala, Moga, Punjab, Moga - 142001 Moradabad: B-612 'Sudhakar', Uttarpradesh, Moradabad - 244001 Morbi: 108, Galaxy Complex, Morbi, Gujarat, Morbi - 363 641 Mumbai: Rajabahdur Compound, Ground Floor, 30, Mumbai Samachar Marg, Fort, , Maharashtra, Mumbai - 400 023 Muzzafarpur: Brahman toli, Gola Road, Bihar, Muzaffarpur - 842001 Mysore: No.1, 1st Floor, (Above Trishakthi Medicals), Saraswati Puram, Karnataka, Mysore - 570009 Nadiad (Parent TP: Anand TP): 8, Ravi Kiran Complex, Nadiad , Gujarat, Nadiad - 387001 Nagpur: 145 Lendra Park, Behind Indus Ind Bank, Maharashtra, Nagpur - 440 010 Namakkal: 156A / 1, First Floor, Opp. To District Registrar Office, Trichy Road, Namakkal, Tamil Nadu, Namakkal - 637001 Nanded: Shop No 7, 1st Floor, Shivaji Nagar, Nanded, maharashtra, Nanded - 431 602 Nasik: Ruturang Bungalow, 2 Godavari Colony, Off College Road, Maharashtra, Nasik - 422005 Navsari: Dinesh Vasani & Associates, Nr. Vasant Talkies, Chimnabai Road, Gujarat, Navasari - 396445 Nellore: 97/56, I Floor Immadisetty Towers, Andhra Pradesh, Nellore - 524001 New Delhi : 304-305 III Floor, 18, Barakhamba Road, Cannaugt Place, New Delhi, New Delhi - 110 001 Nizamabad: D. No. 5-6-209, NIZAMABAD, A.P., NIZAMABAD - 503001 Palakkad: 10 / 688, Sreedevi Residency, Palakkad, Kerala, Palakkad - 678 001 Palanpur: Jyotindra Industries Compound, Deesa Road , Palanpur, Gujarat, Palanpur - 385 001 Panipat: 83, Devi Lal Shopping Complex, Haryana, Panipat - 132103 Patiala: 35, New lal Bagh Colony, Punjab, Patiala - 147001 Patna: Kamlalaye Shobha Plaza, Ground Floor, Exhibition Road, , Bihar, Patna - 800 001 Pondicherry: S-8, 100, Jawaharlal Nehru Street, Pondicherry, Pondicherry - 605001 Porbandar: II Floor, Harikrupa Towers, M G Road, Gujarat, Porbandar - 360575 Pune: Nirmiti Eminence, Off No. 6, I Floor, Erandawane, Maharashtra, Pune - 411 004 Raebarelly: 17,anand Nagar Complex, Raeberaily, U.P., Raeberaily - 229001 Raichur: # 12 10 51 / 3C, Maram Complex,Raichur, Karnataka, Raichur - 584101 Raipur: C-24, Sector 1 , Chhattisgarh, Raipur - 492004 Rajahmundry: Cabin 101 D.no 7-27-4, Baruvari Street, T Nagar, Andhra Pradesh, Rajahmundry - 533101 Rajapalayam: No 155, Railway Feeder Road, Rajapalayam, Tamil Nadu, Rajapalayam - 626117 Rajkot: Office 207 - 210, Everest Building, Opp Shastri Maidan, Limda Chowk, Gujarat, Rajkot - 360001 Ranchi: Near Students Cottage Pee Pee Compound , Jharkhand, Ranchi - 834001 Ratlam: Dafria & Co, Madhya Pradesh, Ratlam - 457001 Ratnagiri: Kohinoor Complex, Nachane Road, Ratnagiri, Maharashtra, Ratnagiri - 415 639 Rohtak: 205, 2ND Floor, Blg. No. 2, Delhi Road, Haryana, Rohtak - 124001 Roorkee: 399/1 Jadugar Road, Roorkee, Uttarakhand, Roorkee - 247667 Ropar : SCF 17 Zail Singh Nagar, Ropar, Punjab, Ropar - 140001 Rourkela: 1st Floor , Phase II , Power House Road , Orissa, Rourkela - 769001 Sagar: Opp. Somani Automobiles , Sagar , Madhya Pradesh, Sagar - 470 002 Saharanpur: I Floor, Krishna Complex, Court Road, Saharanpur, U.P., Saharanpur - 247001 Salem: No.2, I Floor Vivekananda Street,Tamil Nadu, Salem - 636016 Sambalpur: C/o Raj Tibrewal & Associates, Orissa, Sambalpur - 768001 Sangli (Parent: Kohlapur): Diwan Niketan, Opp. Hotel Suruchi, Near S.T. Stand, Sangli, Maharashtra, Sangli 416416 Satara: 117 / A / 3 / 22, Shukrawar Peth, Maharashtra, Satara - 415002 Satna: 1st Floor, Shri Ram Market, SATNA, Madhya Pradesh, SATNA - 485 001 Shimla: I Floor, Opp. Panchayat Bhawan Main gate, Shimla , Himachal Pradesh, Shimla 171001 Shimoga: Nethravathi, Kuvempu Road, Shimoga, Karnataka, Shimoga - 577 201 Siliguri: No 8, Swamiji Sarani, Ground Floor, West Bengal, Siliguri - 734001 Solapur: 4, Lokhandwala Tower, Near Z.P. Opp. Pangal High School, Maharashtra, Solapur 413001 Sriganganagar: 18 L Block, Sri Ganganagar , Rajasthan, Sri Ganganagar - 335001 Srikakulam: Door No 5 - 6 - 2, Punyapu Street, Srikakulam, A.P., Srikakulam - 532 001 Surat: Office No 2 Ahura -Mazda Complex, Timalyawad, Nanpura, Gujarat, Surat - 395 001 Surendranagar: 2 M I Park, Near Commerce College, Surendranagar, Gujarat, Surendranagar - 363035 Thiruppur: 1(1), Binny Compound,Kumaran Road, Tamil Nadu, Thiruppur - 641601 Tirunelveli: III Floor, Nellai Plaza, Tamil Nadu, Tirunelveli - 627001 Tirupathi: Shop No14, Boligala Complex, Near Leela Mahal Circle, Tirumala Byepass Road, Andhra Pradesh, Tirupathi - 517501 Trichur: Adam Bazar, Rice Bazar (East) , Kerala, Trichur - 680001 Trichy: No 8, I Floor, 8th Cross West Extn, Tamil Nadu, Trichy - 620018 Trivandrum: R S Complex, Pattom PO, Kerala, Trivandrum - 695004 Tuticorin: 1 A / 25, 1st Floor, Chidambaram Nagar Main, Palayamkottai Road, Tuticorin, Tamil Nadu, Tuticorin - 628 008 Udaipur: 32 Ahinsapuri, Rajasthan, Udaipur - 313004 Unjha (Parent: Mehsana): 10/11, Maruti Complex, Unjha , Gujarat, Unjha - 384 170 Vadodara: 103 Aries Complex, Alkapuri, Gujarat, Vadodara - 390 007 Valsad: Ground Floor, Near Dreamland Theater, Tithal Road, Gujarat, Valsad 396001 Vapi: 215-216, Heena Arcade, Char Rasta, Vapi, Gujarat, Vapi - 396195 Varanasi: C 27/249 - 22A, Vivekanand Nagar Colony, Uttarpradesh, Varanasi - 221002 Vashi: Mahaveer Center, Sector 17, Maharashtra, Vashi - 400703 Vellore: No:54, Ist Floor, Thotta Palayam, Tamil Nadu, Vellore - 632004 Veraval: Opp.Lohana Mahajan Wadi,Satta Bazar, Veraval, Gujarat, Veraval 362265 Vijayawada: 40-1-68, Rao & Ratnam Complex, M.G Road, Labbipet, Andhra Pradesh, Vijayawada - 520 010 Visakhapatnam: 47/ 9 / 17, 1st Floor, Andhra Pradesh, Visakhapatnam - 530 016 Warangal: F13, 1st Floor, Opp. Public Garden, Lashkar Bazaar, Hanamkonda, Andhra Pradesh, Warangal - 506001 Wardha : Opp. Raman Cycle Industries, Maharashtra., Wardha - 442 001 Yamuna Nagar: 124- B/R Model Town, Haryana, Yamuna Nagar - 135 001 Yavatmal: Pushpam, Tilakwadi, Yavatma, Maharashtra, Yavatma - 445 001 In addition to the above, CAMS, Registrar & Transfer Agents to Birla Sun Life Mutual Fund will be the official point of acceptance for all online / electronic transactions by investors who have subscribed to the Online Transaction Facility offered by Birla Sun Life Asset Management Company Ltd (BSLAMC). The investors can undertake purchase / sale / switch transactions and avail of such other online facilities as may be provided by BSLAMC from time to time through its official website - www.birlasunlife.com, which is the official point of acceptance for electronic transactions and through other secured internet sites of specified banks, financial institutions, etc. with whom BSLAMC has entered or may enter into specific arrangements for providing online facility. Secured internet sites operated by CAMS will also be official point of acceptance.

OTHER POINTS OF ACCEPTANCE:

Mumbai: 19,'Shreeji Darshan', Shantilal Modi Road, Near Bata Show Room, Kandivali (West), Mumbai - 400 067 Dombivili: Shop No.8, Manpada Road, Char Rasta, Nr. Bank of India, Dombivili (East) - 421 201 Kalyan: Shop No.5, Madhav Building, Oak Baug, Opp Archies Bldg, New Kalyan Road, Kalyan (West) - 421 301 Navi Mumbai: Shop No. 5, Crystal Apartments, Plot No. 25, Sector 19, Opp- Axis Bank, New Panvel, Navi Mumbai - 410206

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