Groww Money Market Fund

DRAFT SCHEME INFORMATION DOCUMENT Consolidat ed Groww Money Market Fund Std Obs.1 (An open ended debt scheme investing in money market instruments. A relatively low interest rate risk and moderate credit risk ) This product is Scheme Riskometer Benchmark Riskometer suitable for investors who are Consolidat seeking*: ed Std Obs.3 • Regular income As per AMFI Tier I Benchmark over short term CRISIL Money Market Index A-I • Investment in money market instruments with maturity up to one year *Investors should consult their financial advisers if in doubt about whether the product is suitable for them. The above product labelling assigned during the New Fund Offer (NFO) is based on internal assessment of the scheme characteristics or model portfolio and the same may vary post NFO when the actual investments are made. Potential Risk Matrix: Consolidat ed Std Obs.2 & 4 Offer for Sale of Units at Rs 10 as on the date of allotment for applications received during the New Fund Offer (“NFO”) period and at NAV based prices during the Ongoing Offer. New Fund Offer Opens on: New Fund Offer Closes on: Scheme re-opens on: 1The subscription list may be closed earlier by giving at least one day’s notice in one daily newspaper, however the NFO period shall be open for minimum 3 working days. 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 NFO period shall not be kept open for more than 15 days. Name of Mutual Fund Groww Mutual Fund Groww Asset Management Limited (CIN: U65991KA2008PLC180894) Registered Office: Vaishnavi Tech Park, South Tower, 3rd Floor, Survey No.16/1 Name of Asset Management Company and 17/2, Ambalipura Village, Varthur Hobli, Bellandur, Bangalore South, Bangalore- 560103, Karnataka, India. Groww Trustee Limited (CIN: U65991KA2008PLC183561) Registered Office: Vaishnavi Tech Park, South Tower, 3rd Floor, Survey No.16/1 Name of Trustee Company and 17/2, Ambalipura Village, Varthur Hobli, Bellandur, Bangalore South, Bangalore- 560103, Karnataka, India. 505 – 5th Floor, Tower 2B, One World Centre, Near Prabhadevi Railway Station, Corporate Office Lower Parel, Mumbai – 400013, Maharashtra, Tele-+91 22 69744435 Website www.growwmf.in The particulars of the Scheme have been prepared in accordance with Securities and Exchange Board of India (Mutual Funds) Regulations 1996, (hereinafter referred to as SEBI (MF) Regulations) as amended till date and circulars issued thereunder filed with SEBI, along with a Due Diligence Certificate from the AMC. The units being offered for public subscription have not been approved or recommended by SEBI nor has SEBI certified the accuracy or adequacy of the Scheme Information Document. The Scheme Information Document sets forth concisely the information about the scheme that a prospective investor ought to know before investing. Before investing, investors should also ascertain about any further changes to this Scheme Information Document after the date of this Document from the Mutual Fund / Investor Service Centres / Website / Distributors or Brokers. The investors are advised to refer to the Statement of Additional Information (SAI) for details of Groww Mutual Fund, Standard Risk Factors, Special Considerations, Tax and Legal issues and general information on https://www.growwmf.in/downloads/sai SAI is incorporated by reference (is legally a part of the Scheme Information Document). For a free copy of the current SAI, please contact your nearest Investor Service Centre or log on to our website. The Scheme Information Document (Section I and II) should be read in conjunction with the SAI and not in isolation. This Scheme Information Document is dated August 11, 2025. 2TABLE OF CONTENTS PAGE NO. SECTION I I. HIGHLIGHTS / SUMMARY OF THE SCHEME 4 II. INFORMATION ABOUT SCHEME 17 A. HOW WILL SCHEME ALLOCATE ITS ASSESTS 17 B. WHERE WILL THE SCHEME INVEST 20 C. WHAT ARE THE INVESTMENT STRATEGIES 22 D. HOW WILL THE SCHEME BENCHMARK ITS PERFORMANCE 23 E. WHO MANAGES THE SCHEME? 23 F. HOW IS THE SCHEME DIFFERENT FROM EXISTING SCHEMES OF THE MUTUAL FUND? 24 G. HOW HAS THE SCHEME PERFORMED 24 H. ADDITIONAL SCHEME RELATED DISCLOSURES 24 III. OTHER DETAILS 25 A. COMPUTATION OF NAV 25 B. NEW FUND OFFER (NFO) EXPENSES 26 C. ANNUAL SCHEME RECURRING EXPENSES 26 D. LOAD STRUCTURE 28 SECTION II. 29 I. INTRODUCTION 27 A. DEFINITION & INTERPRETATION 29 B. RISK FACTORS 29 C. RISK MITIGATION STRATEGIES 32 II. INFORMATION ABOUT SCHEME 36 A. WHERE WILL THE SCHEME INVEST? 36 B. WHAT ARE THE INVESTMENT RESTRICTIONS? 36 C. FUNDAMENTAL ATTRIBUTES 39 D. INDEX METHODOLOGY (FOR INDEX FUNDS, ETFS AND FOFS HAVING ONE UNDERLYING DOMESTIC ETF) 40 E. PRINCIPLES OF INCENTIVE STRUCTURE FOR MARKET MAKERS (FOR ETFS) 40 F. FLOORS AND CEILING WITHIN A RANGE OF 5% OF THE INTENDED ALLOCATION AGAINST EACH SUB 40 CLASS OF ASSET G. OTHER SCHEME SPECIFIC DISCLOSURES 40 III. OTHER DETAILS 51 A. IN CASE OF FUND OF FUNDS SCHEME, DETAILS OF BENCHMARK, INVESTMENT OBJECTIVE, 51 INVESTMENT STRATEGY, TER, AUM, YEAR WISE PERFORMANCE, TOP 10 HOLDING/ LINK TO TOP 10 HOLDING OF THE UNDERLYING FUND SHOULD BE PROVIDED B. PERIODIC DISCLOSURES SUCH AS HALF YEARLY DISCLOSURES, HALF YEARLY RESULTS, ANNUAL 51 REPORT C. TRANSPARENCY/NAV DISCLOSURE 51 D. TRANSACTION CHARGES AND STAMP DUTY 52 E. ASSOCIATE TRANSACTIONS 52 F. TAXATION 52 G. RIGHTS OF UNITHOLDERS 53 H. LIST OF OFFICIAL POINTS OF ACCEPTANCE 53 I. PENALTIES, PENDING LITIGATION OR PROCEEDINGS, FINDINGS OF INSPECTIONS OR 53 INVESTIGATIONS FOR WHICH ACTION MAY HAVE BEEN TAKEN OR IS IN THE PROCESS OF BEING TAKEN BY ANY REGULATORY AUTHORITY 3SECTION I Part I. HIGHLIGHTS/SUMMARY OF THE SCHEME Sr. No. Title Description I. Name of the scheme Groww Money Market Fund II. Category of the Scheme Money Market Fund Consol idated III. Scheme type An open ended debt scheme investing in money market instruments. A relatively low Std interest rate risk and moderate credit risk Obs.7 IV. Scheme code (To be disclosed after obtaining scheme code) Consoli V. Investment objective To generate regular income through investment in a portfolio comprising of dated money market instruments. Std Obs.5 However, there is no assurance that the investment objective of the Scheme will be achieved. VI. Liquidity details: The Scheme will offer units for purchases/switch-ins and redemptions/switch-outs at NAV based prices on all business days on an ongoing basis. Repurchase of Units will be at the NAV prevailing on the date the units are tendered for repurchase. As per SEBI Regulations, the Mutual Fund shall dispatch redemption proceeds within 3 working Days from the date of receiving a valid redemption request. A penal interest of 15% per annum or such other rate as may be prescribed by SEBI from time to time, will be paid in case the redemption proceeds are not made within 3 working Days from the date of receipt of a valid redemption request. Listing details The Scheme being open ended, the Units are not proposed to be listed on any stock exchange and no transfer facility on the exchange is provided. However, the Trustee reserves the right to list the units as and when open-end Schemes are permitted to be listed under the Regulations, and if the Trustee considers it necessary in the interest of unit holders of the Scheme. VII. Benchmark • As per AMFI Tier I benchmark CRISIL Money Market Index A-I The Scheme intends to invest in a portfolio of instruments which is best captured by CRISIL Money Market Index A-I . The composition of the benchmark is in line with the intended asset allocation of the fund. Hence, the benchmark Index is an appropriate benchmark for the scheme. The Trustee reserves the right to change the benchmark for the evaluation of the performance of the Scheme from time to time, keeping in mind the investment objective of the Scheme and the appropriateness of the benchmark ,subject to SEBI Mutual Fund Regulations, 1996 and circulars issued by SEBI from time to time. 4VIII. NAV disclosure The AMC will calculate the NAVs for all the Business Days. The Asset Management Company (“AMC”) shall update the NAVs on the AMFI website (www.amfiindia.com) before 11.00 p.m. every Business Day. The NAV will also be available on AMC website (https://www.growwmf.in/nav). If the NAVs are not available before the commencement of Business Hours on the following day due to any reason, the Mutual Fund shall issue a press release giving reasons and explaining when the Mutual Fund would be able to publish the NAV. Further Details in Section II. IX. Applicable timelines Timeline for Dispatch of redemption proceeds: The redemption or repurchase proceeds shall be credited to the registered bank account/dispatched to the unitholders within 03 working days from the date of redemption or repurchase. In case of exceptional situations, additional time for redemption payment may be taken. This shall be in line with AMFI letter dated January 16, 2023. Dispatch of IDCW: The IDCW warrants shall be dispatched to the unitholders within 07 working days of the date of declaration of the IDCW. In case of Unit holders having a bank account with certain banks with which the Mutual Fund would have an arrangement from time to time, the IDCW proceeds shall be electronically credited to their account. In case of specific request for IDCW by warrants/cheques/demand drafts or unavailability of sufficient details with the Fund, the IDCW will be paid by warrant/cheques/demand drafts and payments will be made in favour of the unitholder (registered holder of the Unit or, if there are more than one registered holder, only to the first registered holder) with bank account number furnished to the Fund. • Please note that it is mandatory for the unitholders to provide the bank account details as per SEBI guidelines. X Plans and Options The Scheme will have Regular Plan and Direct Plan** with a common portfolio and Plans/Options and sub separate NAVs. Investors should indicate the Plan for which the subscription is made options under the Scheme by indicating the choice in the application form. Each of the above Regular and Direct Plan under the scheme will have the following Options / Sub-options: (1) Growth Option and (2) Income Distribution cum Capital Withdrawal (IDCW) Option. The IDCW Option shall have only Reinvestment of IDCW and Payout of IDCW Option. The default option for the unitholders will be Regular Plan - Growth Option if he is routing his investments through a distributor and Direct Plan – Growth option if he is a direct investor. If the unit holders selects IDCW option but does not specify the sub-option then the default sub-option shall be Reinvestment of IDCW. Investors subscribing under Direct Plan of the Scheme will have to indicate “Direct Plan” against the Scheme name in the application form i.e. “Groww Money Market Fund - Direct Plan”. Treatment for investors based on the applications received is given in the table below: Investors should also indicate “Direct” in the ARN column of the application form. If the application is received incomplete with respect to not selecting Regular/Direct Plan, the application will be processed as under: 5Scenario Broker Code Plan Default Plan to be mentioned by mentioned by captured the investor the investor 1. Not mentioned Not Direct Plan mentioned 2. Not mentioned Direct Direct Plan 3. Not mentioned Regular Plan Direct Plan 4. Mentioned Direct Direct Plan 5. Direct Not Direct Plan mentioned 6. Direct Regular Plan Direct Plan 7. Mentioned Regular Plan Regular Plan 8. Mentioned Not Regular Plan mentioned In cases of wrong/ invalid/ incomplete ARN codes mentioned on the application form, the application shall be processed under Regular Plan. The AMC shall contact and obtain the correct ARN code within 30 calendar days of the receipt of the application form from the investor/ distributor. In case, the correct code is not received within 30 calendar days, the AMC shall reprocess the transaction under Direct Plan from the date of application without any exit load. **DIRECT PLAN: Direct Plan is only for investors who purchase /subscribe Units in a Scheme directly with the Mutual Fund or through the stock exchange and is not available for investors who route their investments through a Distributor XI. Load Structure Exit Load: Nil Consolid ated The AMC reserves the right to modify/alter the load structure and may decide to Std Obs. charge on the Units with prospective effect, subject to the maximum limits as & 47 prescribed under the SEBI Regulations. XII. Minimum Application Lumpsum Purchase: Rs. 500/- and in multiples of Re.1 Amount/switch in Switch-in: Rs.500/- and in multiples of Re.1 XIII. Minimum Additional Rs. 500/- and in multiples of Re.1 Purchase Amount XIV. Minimum The minimum redemption amount shall be Rs. 500 and in multiples of Re. 1 thereafter. Redemption/switch out In case, if the investor wants to submit redemption in units, the value should be amount equivalent to the minimum redemption amount specified above as on the applicable NAV date and the units should be in multiples of 0.001. In case the available balance in folio is less than the minimum redemption Consoli amount/units, then the investor can submit a request for "All units/Full redemption" dated of the amount / units available in folio. Std Obs. The Minimum Application and redemption amount mentioned above shall not be & 36 applicable to the mandatory investments made in the Scheme pursuant to the provisions of clause 6.10 of SEBI Master Circular dated June 27, 2024, as amended from time to time. There is no minimum balance requirement. XV. New Fund Offer Period NFO opens on: NFO closes on: 6Consoli dated Std Obs. Minimum duration to be 3 working days and will not be kept open for more than 15 & 34 days Any changes in dates will be published through notice on AMC website i.e. https://www.growwmf.in/downloads/addendum XVI. New Fund Offer Price: Rs 10 per unit Consolid XVII. Segregated AMC may create segregated portfolio in the scheme. ated portfolio/side pocketing For details, kindly refer SAI Std Obs. disclosure & 53 XVIII Swing pricing disclosure Not applicable since it is a Money Market Fund XIX. Stock lending/short The Scheme will not engage in Short Selling of securities. The Scheme may engage selling in Stock lending of securities in accordance with the framework relating to securities lending and borrowing specified by SEBI. For Details, kindly refer SAI. XX. How to Apply and other Investors can subscribe for the Units of the Scheme by completing the Application details Form and delivering it at any Investor Service Centre or Collection Centre. KYC complied investor/ Investors who are able to provide necessary information and/or documents to perform KYC can perform a web-based transaction to purchase units of the Scheme on website of the Groww Mutual Fund ie https://gmf.kfintech.com or through any other electronic mode introduced from time to time. For further details provided in Section II. XXII. Investor services Investors can enquire about NAVs, Unit Holdings, Valuation, IDCWs, etc. or lodge any service request at the investor support number of AMC 8050180222. Investors can also address their queries to the below details: Investor Support Number – 8050180222 Investor Support Email Id – support@growwmf.in Incase investor’s query is not resolved satisfactorily, then he/she can address the query to the Investor Relations Officer: Mr. Krishnam Thota (Investor Relations Officer) Corporate Office - 505 – 5th Floor, Tower 2B, One World Centre, Near Prabhadevi Railway Station, Lower Parel, Mumbai – 400013, Maharashtra, Tele- +91 22 69744435 Email: iro@growwmf.in In order to protect confidentiality of information, the service representatives at the AMC’s branches/ KFin Technologies Limited ISCs may require personal information of the investor for verification of his identity. The AMC will at all times endeavor to handle transactions efficiently and to resolve any investor grievances promptly. Investor grievances should be addressed to the ISC of the AMC, or at KFin Technologies Limited’s ISC directly. All grievances received at the ISC of the AMC will then be forwarded to KFin Technologies Limited, if required, for necessary action. The complaints will closely be followed up with KFin Technologies Limited by the AMC to ensure timely redressal and prompt investor service. 7KFin Technologies Ltd. Selenium,Tower B, Plot number 31 & 32, Financial District, Nanakramguda, Serilingampally Mandal, Hyderabad- 500032. The investors are further requested to take note that, pursuant to SEBI Circular no. SEBI/HO/OIAE/OIAE_IAD-1/P/CIR/2023/145 dated July 31, 2023, read along with circular dated August 04, 2023, a common Online Dispute Resolution Portal (“ODR Portal”) has been introduced to provide investors / unit holders with a mechanism to redress their grievances. The ODR Portal allows investors / unitholders with additional mechanism to resolve the grievances through online conciliation and online arbitration. The link to access ODR Portal is https://smartodr.in/login XXIII . Specific attribute of the Not applicable. scheme XXIV Special Switching and Systematic Investment Plan are available during the NFO. product/facility available during the The Special Products / Facilities available under the Scheme, are: i. Systematic Investment Plan [SIP] NFO and on ongoing ii. Systematic Transfer Plan[STP] basis iii. Systematic Withdrawal Plan[SWP] iv. IDCW Sweep Facility v. Transactions by Fax/ Email vi. Transactions through Electronic Mode vii. K-TRACK’ for transaction in the units of Groww Mutual Fund towards additional purchase, redemption or switch viii. Transactions through Stock Exchange Platform for Mutual Funds ix. Transactions Through MF Utility ("MFU") x. Registration of Multiple Bank Accounts in respect of an Investor Folio xi. MFCentral as Official Point of Acceptance of Transactions (OPAT) For further details of above special products / facilities, kindly refer SAI. Systematic Investment Plan (SIP): This facility enables investors to save and invest periodically over a longer period of time. It is a convenient way to “invest as you earn” and affords the investor an opportunity to enter the market regularly, thus averaging the acquisition cost of Units. The conditions for investing in SIP will be as follows: SIP Frequency: SIP Installments and Amount – Daily – Rs. 100 and in multiples of Re.1 thereafter Weekly – Rs. 100 and in multiples of Re.1 thereafter Monthly – Rs. 500 and in multiples of Re.1 thereafter Quarterly - Rs. 500 and in multiples of Re.1 thereafter Minimum No. of SIP instalments: Minimum number of installments for each frequency are - 8Daily – 180 instalments Weekly – 24 instalments Monthly - 12 instalments Quarterly – 4 instalments SIP Dates: Daily- Every Business Day Weekly - 1st, 8th, 15th, & 22nd Monthly & Quarterly - Any day between 1st to 28th (In case any of these days fall on a non-business day, the transaction will be effected on the next business day of the Scheme). Registration period: There must be at least 30 days between the first SIP cheque and subsequent due date of Auto Debit [NACH clearing]; In case of the auto debit facility, the default options (where auto debit period, frequency and SIP date are not indicated) will be as follows: • SIP auto debit period: The SIP auto debit will continue till 5 years. • SIP date: 15th of the month (commencing 30 days after the first SIP instalment date); and • SIP frequency: Monthly The load structure prevailing at the time of submission of the SIP application [whether fresh or extension] will apply for all the instalments indicated in such application; All the cheques/ payment instructions [including the first cheque/payment instruction] shall be of equal amounts in case of SIP applications; Investors may also choose to invest any lump sum amount along with the first SIP instalment by way of a single cheque/ payment instruction. Investors will have the right to discontinue the SIP facility at any time by sending a written request to any of the Official Point(s) of Acceptance. Notice of such discontinuance should be received at least 30 days prior to the due date of the next debit. On receipt of such request, the SIP facility will be terminated. It is clarified that if the Fund fails to get the proceeds for three consecutive Instalments out of a continuous series of Instalments submitted at the time of initiating a SIP), the AMC reserves the right to discontinue the SIP. Systematic Transfer Plan (STP) This facility enables unitholders to transfer a fixed specified amount from one open- ended scheme of the Fund (source scheme) to another open-ended scheme of the Fund (target scheme), in existence at the time of availing the facility of STP, at applicable NAV, subject to the minimum investment criteria of the target scheme. Investors can opt for the Systematic Transfer Plan by investing a lump sum amount in one scheme of the fund and providing a standing instruction to transfer sums at regular intervals. Investors could also opt for STP from an existing account by quoting their account / folio number. However, units marked under lien or pledged in the source scheme shall not be eligible for STP. The conditions for investing in STP will be as follows: STP Frequency : Daily, Weekly, Monthly and Quarterly; Minimum STP instalment amount: Rs. 500/- per instalment and in multiples of Re.1/- thereafter for Daily/ Weekly/ Monthly/ Quarterly; Minimum No. of STP instalments Daily - 180 instalments Weekly - 24 instalments 9Monthly - 12 instalments Quarterly - 4 instalments STP Dates: Daily – Every business day Weekly option - On every Friday of the week Monthly/ Quarterly option – 2nd, 8th, 15th or 23rd of the month/ of any month in the quarter Registration period: A minimum period of 8 business days shall be required for registration under STP. The default options (where the period, frequency and STP date are not indicated) will be as follows: • STP period: 12 instalments. • STP date: 15th of every month; and • STP frequency: Monthly Unitholder may change the amount (but not below the minimum specified amount) / frequency by giving written notice to any of the Official Point(s) of Acceptance at least 8 business days prior to next STP execution date. Units will be allotted/ redeemed at the applicable NAV of the respective dates of the Scheme on which such investments/withdrawals are sought from the Scheme. The STP may be terminated on a written notice of 8 business days by a unitholder of the Scheme. The STP will be automatically terminated if all units are liquidated or withdrawn from the source scheme or pledged or upon receipt of intimation of death of the unitholder. Systematic Withdrawal Plan (SWP) This facility enables unitholders to withdraw a fixed sum (subject to tax deduction at source, if applicable) by redemption of units in the unitholder‘s account at regular intervals through a one-time request. The conditions for investing in SWP will be as follows: SWP Frequency : Monthly; Quarterly Minimum SWP instalment amount: Monthly: Rs. 500/- and in multiples of Re.1/- thereafter; Quarterly – Rs.500/- and in multiples of Re.1 thereafter Minimum No. of SWP instalments: Monthly - 12 instalments Quarterly – 4 installments SWP Dates: 2nd, 8th, 15th or 23rd of every month as the STP date (in case any of these days fall on a non-business day, the transaction will be effected on the next business day of the Scheme). Registration period: A minimum period of 8 calendar days shall be required for registration under SWP. The default options (where the period, frequency and SWP date are not indicated) will be as follows: • SWP period: The SWP will continue till 5 years. SWP frequency : Monthly • SWP date: 8th of every month. 10Unit holder may change the amount (but not below the minimum specified amount) / frequency by giving written notice to any of the Official Point(s) of Acceptance at least 8 calendar days prior to next SWP execution date. The SWP may be terminated on a written notice of 8 calendar days by a unitholder of the Scheme. SWP will be automatically terminated if all units are liquidated or withdrawn from the Scheme or pledged or upon receipt of intimation of death of the unitholder. IDCW Sweep Facility IDCW Sweep facility shall be in addition to the existing IDCW Payout and IDCW Reinvestment Option. Default IDCW Option shall be IDCW Payout. Under IDCW Sweep Facility, Unit holders can opt for switching the IDCW earned under any Schemes (Source Scheme) of Groww Mutual Fund into any other Schemes (Target Scheme) of Groww Mutual Fund. The IDCW (net of applicable DDT, if any) shall be swept subject to minimum investment eligibility requirements of the Target Scheme at applicable NAV based prices. The minimum amount for sweep out to be Rs. 500/-. In case the sweep amount is less than Rs. 500/-, the IDCW amount shall be reinvested in the Source scheme. This facility shall be processed on the record date of the IDCW declared under the Source Scheme. Further, this facility shall not allow for switch of partial IDCW or switch of IDCW to multiple schemes. In case the investor fails to specify his preference of Option for the Target scheme into which the IDCW has to be swept, Sweep-in amount shall be invested in default plan / option as mentioned in Scheme Information Document (SID) of Target scheme. The Load Structure prevailing at the time of submission of the STP/SWP application will apply for all the installments indicated in such application. The AMC reserves the right to introduce STP/SWP/ IDCW Sweep Facility at any other frequencies or on any other dates as the AMC may feel appropriate from time to time. Transactions by Email: In order to facilitate quick processing of transaction and / or instruction of investment of investor the Mutual Fund / AMC / Trustee may (at its sole discretion and without being obliged in any manner to do so and without being responsible and /or liable in any manner whatsoever), accept and process any application, supporting documents and /or instructions submitted by an investor/ Unit holder by email at growwmf.inv@groww.in and the investor/Unit holder voluntarily and with full knowledge takes and assumes any and all risk associated therewith. The Mutual Fund / AMC/ Trustee shall have no obligation to check or verify the authenticity or accuracy of email purporting to have been sent by the investor and may act thereon as if the same has been duly given by the investor. In all cases the investor will have to immediately submit the original documents / instruction to AMC/ Mutual Fund/ Official Points of Acceptance unless indemnified by the investor. Transactions through Electronic Mode: The Mutual Fund may (at its sole discretion and without being obliged in any manner to do so and without being responsible and /or liable in any manner whatsoever), 11allow transactions in Units by electronic mode (web/ electronic transactions) including transactions through the various web sites with which the AMC would have an arrangement from time to time. Subject to the investor fulfilling certain terms and conditions as stipulated by AMC from time to time, the AMC, Mutual Fund, Registrar or any other agent or representative of the AMC, Mutual Fund, the Registrar may accept transactions through any electronic mode including web transactions and as permitted by SEBI or other regulatory authorities from time to time. ‘K-TRACK’ for transaction in the units of Groww Mutual Fund towards additional purchase, redemption or switch: The facility for transaction in Groww Mutual Fund through K-TRACK; mobile application is provided by KFin Technologies Limited. Investors may execute additional purchase, redemption or switch transaction through K-TRACK mobile application. Transactions through Stock Exchange Platform for Mutual Funds - Mutual Fund Distributor registered with Association of Mutual Funds in India (AMFI) and who has been permitted by the concerned recognised stock exchange will be eligible to use NMF-II platform of National Stock Exchange of India Ltd. (‘NSE’) and/or of BSE Star MF platform of Bombay Stock Exchange (‘BSE’) to purchase and redeem units of schemes of the Fund directly from Groww Mutual Fund in physical (non-demat) mode and/or demat (electronic) mode. - MF distributors shall not handle pay out/pay in of funds as well as units on behalf of investor. Pay in will be directly received by recognized clearing corporation and payout will be directly made to investor’s account. In the same manner, units shall be credited and debited directly from the demat account of investors. - Non-demat transactions are also permitted through stock exchange platform. - The facility of transacting in mutual fund schemes through stock exchange infrastructure is available subject to such operating guidelines, terms and conditions as may be prescribed by the respective Stock Exchanges from time to time. Transactions Through MF Utility ("MFU"): The AMC has entered into an Agreement with MF Utilities India Private Limited ("MFUI"), a "Category II - Registrar to an Issue" under SEBI (Registrars to an Issue and Share Transfer Agents) Regulations, 1993, for usage of MF Utility ("MFU") a "Shared Services" initiative formed by the Asset Management Companies of SEBI registered Mutual Funds under the aegis of Association of Mutual Funds in India (AMFI). MFU acts as a transaction aggregation portal for enabling transaction in multiple Schemes of various Mutual Funds with a single form and a single payment instrument. Both financial and non-financial transactions pertaining to Scheme(s) of Groww Mutual Fund ('the Fund') can be done through MFU at the authorized Points of Service ("POS") of MFUI. The details of POS with effect from the respective dates published on MFU website at www.mfuindia.com will be considered as Official Point of Acceptance (OPA) for transactions in the Scheme(s) of the Fund. Additionally, such transactions can also be carried out electronically on the online transaction portal of MFU at www.mfuonline.com as and when such a facility is made available by MFUI and that the same will be considered OPA for transactions in the Scheme(s) of the Fund. The key features of MFU are: 1. Investors will be required to obtain Common Account Number ("CAN") for transacting through MFU. 122. Investors can create a CAN by submitting the CAN Registration Form (CRF) and necessary documents at the Point of Service (POS) of MFUI. The AMC and/ or CAMS, Registrar and Transfer Agent (RTA) of the Fund shall provide necessary details to MFUI as may be needed for providing the required services to investors / distributors through MFU. 3. Investors will be allotted a CAN, a single reference number for all investments across Mutual Funds, for transacting in multiple Schemes of various Mutual Funds through MFU and to map existing folios, if any. 4. Currently, the transactions facilitated through MFU for the investors are: (i) CAN registration; (ii) Submission of documents to KRAs for KYC Registration; (iii) Financial transactions like Purchases, Redemptions and Switches, Registration of Systematic Transactions like Systematic Investments (SIP) using a single Mandate, Systematic Withdrawals (SWP) and Systematic Transfers (STP); (iv) Non-financial transactions (NFT) like Bank Account changes, facilitating change of address through KRAs etc. based on duly signed written requests from the Investors. 5. The CRF and other relevant forms for transacting thorugh MFU can be downloaded from MFUI website at www.mfuindia.com or can be obtained from MFUI POS. 6. Investors transacting through MFU shall be deemed to have consented to exchange of information viz. personal and / or financial (including the changes, if any) between the Fund / AMC and MFUI and / or its authorized service providers for validation and processing of transactions carried out through MFU. 7. For details on carrying out the transactions through MFU or any queries or clarifications related to MFU, investors are requested to contact the Customer Care of MFUI on 1800-266-1415 (during the business hours on all days except Sunday and Public Holidays) or send an email to clientservices@mfuindia.com. Investors of the Fund can also get in touch with Investor Service Centres (ISCs) of the AMC to know more about MFU. 8. For any escalations and post-transaction queries pertaining to Scheme(s) of the Fund, the Investors are requested to get in touch with the ISCs of the AMC. The transactions carried out through MFU shall be subject to the terms & conditions as may be stipulated by MFUI / Fund / the AMC from time to time. The terms & conditions of offering of the Scheme(s) of the Fund as specified in the Scheme Information Document (SID), Key Information Memorandum ('KIM') and Statement of Additional Information ('SAI') shall be applicable to transactions through MFU. Registration of Multiple Bank Accounts in respect of an Investor Folio: An Investor can register with the Fund upto 5 bank accounts in case of individuals and HUFs and upto 10 in other cases. Registering of Multiple Bank Accounts will enable the Fund to systematically validate the pay-in of funds and avoid acceptance of third party payments. For the purpose of registration of bank account(s), Investor should submit Bank Mandate Registration Form (available at the CSCs/ AMC Website) together with any of the following documents: Cancelled original cheque leaf in respect of bank account to be registered where the account number and names of the account holders are printed on the face of the cheque; or Bank statement or copy of Bank Pass Book page with the Investor‘s Bank Account number, name and address. 13The above documents will also be required for change in bank account mandate submitted by the Investor. The AMC will register the Bank Account only after verifying that the sole/ first joint holder is the holder/ one of the joint holders of the bank account. In case if a copy of the above documents is submitted, Investor shall submit the original to the AMC/ Service Centre for verification and the same shall be returned. In case of Multiple Registered Bank Account, Investor may choose one of the registered bank accounts for the credit of redemption/ IDCW proceeds (being ―Pay- out bank account). Investor may however, specify any other registered bank accounts for credit of redemption proceeds at the time of requesting for the redemption. Investor may change such Pay-out Bank account, as necessary, through written instructions. However, if request for redemption is received together with a change of bank account (unregistered new bank account) or before verification and validation of new bank account, the redemption request would be processed to the currently registered default old bank account. Change of Bank Mandate: Investors are requested to note the following process shall be adopted for Change of Bank Mandate in the folio: a) Investors shall submit duly filled in “Non-Financial Transaction Form & Multiple Bank Accounts Registration Form” along with the prescribed documents at any of the AMC branches / ISCs of Kfin. b) Any unregistered bank account or a new bank account forming part of redemption request shall not be processed. c) There shall be a cooling period of 10 calendar days for validation and registration of new bank account. Further, in case of receipt of redemption request during this cooling period, the validation of bank mandate and dispatch of redemption proceeds shall be completed within a period of 03 working days from the date of receipt of redemption request. d) In the interim, redemptions / IDCW payments, if any, will be processed as per specified service standards and the last registered bank account information will be used for such payments to Unit holders. e) In case, the request for change in bank account information being invalid / incomplete / dissatisfactory in respect of signature mismatch/ document insufficiency/ not complying with any requirements as stated above, the request for such change will not be processed. Change of Address: For change of address, Investors should fill ‘KYC change form’ and submit it to any KYC Registration Agency (KRA) along with following documents: • Proof of new address (POA) and • Any other document/ form that the KRA may specify form time to time. The AMC reserves the right to collect proof of old address on a case to case basis while effecting the change of address. The self-attested copies of above stated documents shall be submitted along with original for verification at any of the AMC branches/Investor Service Centres (ISCs) of KFin. The original document shall be returned to the investors over the counter upon verification. In case the original of any document is not produced for verification, then the copies should be properly attested/verified by entities authorized for attesting/verification of the documents. List of admissible documents for POA & POI mentioned in paragraph 16.2.4.4(b) of SEBI Master Circular dated June 27, 2024 shall be considered. 14For further details please refer to paragraph on Registration of Multiple Bank Accounts, Change of Bank Mandate and Change of Address in respect of an Investor Folio in the SAI. The AMC reserves the right to alter/ discontinue all / any of the abovementioned special product(s)/ facility(ies) at any point of time. Further, the AMC reserves the right to introduce more special product(s)/ facility (ties) at a later date subject to prevailing SEBI Guidelines and Regulations. MFCentral as Official Point of Acceptance of Transactions (OPAT): Pursuant to paragraph 16.6 of SEBI Master Circular for Mutual Funds dated June 27, 2024, with respect to complying with the requirements of RTA inter-operable Platform for enhancing investors’ experience in Mutual Fund transactions / service requests, the QRTA’s, Kfin Technologies Limited and Computer Age Management Services Limited (CAMS) have jointly developed MFCentral, a digital platform for Mutual Fund investors. MFCentral is created with an intent to be a one stop portal / mobile app for all Mutual fund investments and service-related needs that significantly reduces the need for submission of physical documents by enabling various digital / physical services to Mutual fund investors across fund houses subject to applicable T&Cs of the Platform. MFCentral will be enabling various features and services in a phased manner. MFCentral may be accessed using https://mfcentral.com/ and a Mobile App in future. With a view to comply with all provisions of the aforesaid circular and to increase digital penetration of Mutual funds, Groww Mutual Fund designates MFCentral as its OPAT effective from September 24, 2021. Any registered user of MFCentral, requiring submission of physical document as per the requirements of MFCentral, may do so at any of the designated Investor Service Centres/ Collection Centres of KFin Technologies Limited or CAMS. XXV. Weblink An investor can visit https://www.growwmf.in/downloads/expense-ratio weblink for TER of last 6 months and https://www.growwmf.in/downloads/fact-sheet weblink for scheme factsheet. 15DUE DILIGENCE BY THE ASSET MANAGEMENT COMPANY Consolid ated Std Obs. It is confirmed that: 55 & SO 26 i. The Scheme Information Document submitted to SEBI is in accordance with the SEBI (Mutual Funds) Regulations, 1996 and the guidelines and directives issued by SEBI from time to time. i. 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. ii. The disclosures made in the Scheme Information Document are true, fair and adequate to enable the investors to make a well informed decision regarding investment in the Scheme. iii. 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. iv. The contents of the Scheme Information Document including figures, data, yields etc. have been checked and are factually correct v. A confirmation that the AMC has complied with the compliance checklist applicable for Scheme Information Documents and other than cited deviations/ that there are no deviations from the regulations vi. 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. vii. The Trustees have ensured that Groww Money Market Fund approved by them is a new product offered by Groww Mutual Fund and is not a minor modification of any existing scheme/fund/product. Sd/- Date: August 11, 2025 Name: Hemal Zaveri Place: Mumbai Designation: Compliance Officer 16PART II. INFORMATION ABOUT THE SCHEME A. HOW WILL THE SCHEME ALLOCATE ITS ASSETS? Under normal circumstances, the asset allocation will be as follows: Indicative allocations (% of total assets) SO 14 Instruments Minimum Maximum Money market instruments having 100% maturity up to 1 Year 0% Money market instruments include, but are not limited to Treasury Bills, Commercial Paper of Public Sector Undertakings and Private Sector Corporate Entities, Term Money, Tri-party repo, Certificates of Deposit of Consolidat Scheduled Commercial Banks, Financial Institutions and Development Financial Institutions, Government ed securities with unexpired maturity of one year or less and other Money Market securities as may be permitted by Std Obs. 13 SEBI / RBI from time to time and in the manner prescribed under the Regulations. • In line with Para 4.5 of SEBI Master Circular no. SEBI/HO/IMD/IMD-PoD1/P/CIR/2024/90 dated June 27, 2024, Securities in which investment is made for the purpose of ensuring liquidity (debt and money market instruments) are those that fall within the definition of liquid assets which includes Cash, Government Securities, T-bills and Repo on Government Securities. • The scheme shall engage in securities lending subject to a maximum of 20% and 5% for a single counter party. Consolidat • Pursuant to SEBI Master Circular for Mutual Funds dated June 27, 2024 read with AMFI Best Practices ed Guidelines circular ref. no. 135/BP/93/2021-22 dated July 24, 2021, the Scheme shall hold- (i) at least 10% of its Std Obs. 20 net assets in liquid assets; OR (ii) liquid assets basis Liquidity Ratio based on 30 - day Redemption at Risk (i.e LR – RaR), whichever is higher. For this purpose, “liquid assets” shall include Cash, Government Securities, T-bills and Repo on Government Securities. For ensuring liquidity the scheme will undertake the investment in liquid assets as per SEBI (Mutual Funds) Regulations, 1996. In addition to the above, the Scheme shall also maintain the liquidity ratio based on 30-day Conditional Redemption at Risk (LR-CRaR) in ‘eligible assets’ for LR-CRaR, in accordance with the guidelines / computation methodology (including definition of eligible assets for this purpose), as provided in the AMFI Best Practices Guidelines circular dated July 24, 2021.It shall be ensured that the liquid assets / eligible assets are maintained to the extent of the LR-RaR and LR-CRaR ratios. In case, the exposure in such liquid assets / eligible assets falls below the prescribed threshold levels of net assets of the Scheme, the AMC shall ensure that the LR-RaR and LR-CRaR ratios are restored to 100% of the required level(s) by ensuring that the net inflows (through net subscription / accruals / maturity & sale proceeds) into the Scheme are used for restoring the ratios before making any new purchases outside ‘Liquid Assets / Eligible Assets’ as specified in the above referred circular(s). • The investment in Repo / Reverse Repo in Corporate debt securities (including listed AA and above rated corporate debt securities and Commercial Papers (CPs) and Certificate of Deposits (CDs) • The Scheme may invest in other scheme(s) under the same AMC or any other mutual fund without charging any fees, provided that aggregate inter-scheme investment made by all Schemes under the same AMC or in Schemes under the management of any other asset management shall not exceed 5% of the net asset value of the Mutual Fund. Further, the Scheme shall not invest in any fund of funds scheme. 17• As per the provisions of SEBI Master Circular for Mutual Funds dated June 27, 2024, the scheme will invest 25 bps of Assets Under Management (AUM) in the units of Corporate Debt Market Development Fund (CDMDF). Subsequently, as per Clause 2.10 of SEBI Master Circular dated June 27, 2024, while calculating the asset allocation limits of mutual fund schemes, the investment in units of CDMDF shall be excluded from base of net asset. Consolidat • The cumulative gross exposure through money market instruments, repo in corporate debt securities, derivative ed positions, short term deposits, units of mutual funds and such other securities/assets as may be permitted by SEBI Std Obs. 17 from time to time subject to regulatory approvals, if any should not exceed 100% of the net assets of the Scheme as per Clause 12.24 of SEBI Master Circular for Mutual Funds dated June 27, 2024. • Pursuant to para 12.25.3 of SEBI Master Circular for Mutual Funds dated June 27, 2024, cash or cash equivalents Consolidat with residual maturity of less than 91 days may be treated as not creating any exposure. Cash Equivalent shall ed consist of the following securities having residual maturity of less than 91 days: a) Government Securities; b) T- Std Obs. 14 Bills; and c) Repo on Government securities • In line with SEBI circular no. SEBI/HO/IMD/IMD Po1/P/CIR/2025/23 dated February 27, 2025; deployment of the funds garnered in an NFO shall be made within 30 business days from the date of allotment of units. In an exceptional case, if the AMC is not able to deploy the funds in 30 business days, reasons in writing, including details of efforts taken to deploy the funds, shall be placed before the Investment Committee. The Investment Committee, after examining the root cause for delay, may extend the timeline by 30 business days. In case the funds are not deployed as per the asset allocation mentioned above and as per the aforesaid mandated plus extended timelines, the AMC shall comply with the provisions mentioned in SEBI circular no. SEBI/HO/IMD/IMD Po1/P/CIR/2025/23 dated February 27, 2025. Indicative Table (Actual instrument/percentages may vary subject to applicable SEBI circulars) Sr \ No Type of Instrument Percentage of exposure Circular references* Consolidat ed Std Obs. 18 1 Securities Lending a) Upto 20% of the net Clause 12.11 of SEBI Master assets Circular for Mutual Funds b) Upto 5% of the net dated June 27, 2024 assets at single intermediary i.e. broker level 2 *Debt Derivatives Upto 50% of the net Clause 7.5, 7.6 and 12.25 of (Hedging) assets of the Scheme SEBI Master Circular for Mutual Funds dated June 27, 2024 3 Liquid Assets (Cash, Atleast 10% of the net Clause 4.6.1 of SEBI Master Government Securities, assets of the Scheme Circular for Mutual Funds T-bills dated June 27, 2024 and Repo on Government Securities) 184 Credit Default Swaps 0% Clause 12.28 of SEBI Master Circular for Mutual Funds dated June 27, 2024 5 Repo / Reverse Repo in Upto 10% of the net Clause 12.18.1.1 of SEBI corporate debt securities assets of the Scheme Master Circular for Mutual Funds dated June 27, 2024 6 Short Term Deposits 15% of net assets of all Clause 12.16 of SEBI Master scheduled commercial Circular for Mutual Funds banks put together and dated June 27, 2024 upto 10% of net assets in single scheduled commercial bank. 7 Mutual Fund Units The Scheme may invest in Clause 4 of Seventh Schedule of units of schemes of SEBI (Mutual Funds) Groww AMC Mutual Regulations, 1996. Fund and/or any other mutual fund subject to the overall limit of upto 5% of the net asset value of the mutual fund 8 Units of CDMDF 0.25% of the net assets of Clause 16A.2.4.2 of SEBI Master the Scheme Circular for Mutual Funds dated June 27, 2024 9 Securitized debt 0% Clause 12.15 of SEBI Master Circular for Mutual Funds dated June 27, 2024 10 Debt instruments having Clause 12.3 of SEBI Master Structured Obligations / 0% Circular for Mutual Funds dated Credit Enhancements June 27, 2024 *The cumulative gross exposure through money market instruments, repo in corporate debt securities, derivative positions, short term deposits, units of mutual funds and such other securities/assets as may be permitted by SEBI SO 4 from time to time subject to regulatory approvals, if any should not exceed 100% of the net assets of the Scheme as per Clause 12.24 of SEBI Master Circular for Mutual Funds dated June 27, 2024. The scheme will not invest in the below mentioned securities: • Securitized debt • Debt instruments having Structured Obligations / Credit Enhancements • AT1 and AT2 Bonds • Overseas Securities • Credit Default Swaps Rebalancing due to passive breach Consolidat Further, as per para 2.9 of SEBI Master Circular dated June 27, 2024, as may be amended from time to time, in the ed event of deviation from mandated asset allocation due to passive breaches (occurrence of instances not arising out Std Obs.22 of omission and commission of the AMC), the fund manager shall rebalance the portfolio of the Scheme within 30 & 24 Business Days. In case the portfolio of the Scheme is not rebalanced within the period of 30 Business Days, justification in writing, including details of efforts taken to rebalance the portfolio shall be placed before the 19Investment Committee of the AMC. The Investment Committee, if it so desires, can extend the timeline for rebalancing up to sixty (60) Business Days from the date of completion of mandated rebalancing period. Further, in case the portfolio is not rebalanced within the aforementioned mandated plus extended timelines the AMC shall comply with the prescribed restrictions, the reporting and disclosure requirements as specified in para 2.9. of SEBI Master Circular dated June 27, 2024. Rebalancing of deviation due to short term defensive consideration Consolidat ed Any alteration in the investment pattern will be for a short term on defensive considerations as per Para 1.14.1.2 of Std Obs.23 SEBI Master Circular dated June 27, 2024; the intention being at all times to protect the interests of the Unit Holders & 24 and the Scheme shall endeavor to rebalance the portfolio within 30 calendar days. It may be noted that no prior intimation/indication will be given to investors when the composition/asset allocation pattern under the Scheme undergoes changes within the permitted band as indicated above B. WHERE WILL THE SCHEME INVEST? Following should be enabled as per SEBI guidelines – Consolidat ed ● The Scheme shall invest upto 100% of the total assets in money market instruments having a residual Std Obs.29 maturity of upto 1 year. The Scheme will retain the flexibility to invest in the entire range of money market & SO. 15 instruments. The corpus of the Scheme shall be invested in accordance with the investment objective in any (but not exclusively) of the following securities: ● Securities issued by Government of India. Repos/ Reverse repos in Government Securities as may be permitted by RBI (including but not limited to coupon bearing bonds, zero coupon bonds and treasury bills). ● Securities guaranteed by the Central and State Governments (including but not limited to coupon bearing bonds, zero coupon bonds and treasury bills). ● Debt obligations of domestic Government agencies and statutory bodies, which may or may not carry a Central / State Government guarantee. ● Repo / Reverse Repo transactions in corporate debt securities. ● Money Market Instruments include but not limited to Commercial Paper, Commercial Bills, Certificates of Deposit, Treasury Bills, Bills Rediscounting, Triparty Repo, Repo/ Reverse repo in government securities, Government securities with an unexpired maturity upto 1 year, Call or notice money, Usance Bills, and any other short-term instruments allowed under current Regulations. ● Debt Instruments include but not limited to non-convertible debentures, Bonds, secured premium notes, zero interest bonds, deep discount bonds, floating rate bond / notes ● Units of Mutual Fund Schemes. ● i) Debt Derivative instruments like Interest Rate Swaps, Forward Rate Agreements, Interest Rate Futures and such other derivative instruments permitted by SEBI/ RBI. ● Units of Corporate Debt Market Development Fund (CDMDF). 20● Short Term Deposits of Scheduled Commercial Banks ● Cash & cash equivalents ● Any other like instruments as may be permitted by RBI/SEBI/ such other Regulatory Authority from time to time ● Note: The securities/ instruments mentioned above could be listed or unlisted, secured or unsecured, rated Consolidat or unrated and of varying maturities and other terms of issue. The securities may be acquired through Initial ed Public Offerings (IPOs), secondary market operations, private placement, rights offer or negotiated deals. Std Obs.30 The inter Scheme transfer of investments shall be in accordance with the provisions contained in Clause 12.30 of the Master Circular dated June 27, 2024, pertaining to Inter-Scheme transfer of investments. DEBT AND MONEY MARKETS IN INDIA The Indian debt market is today one of the largest in Asia and includes securities issued by the Government SO 12 (Central & State Governments), public sector undertakings, other government bodies, financial institutions, banks and corporate. Government and public sector enterprises are the predominant borrowers in the markets. Securities in the debt market typically vary based on their tenure and rating. The major players in the Indian debt markets today are banks, financial institutions, mutual funds, insurance companies, primary dealers, trusts, pension funds and corporate. The Indian debt market is the largest segment of the Indian financial markets. The debt market comprises broadly two segments, viz. Government Securities market or G-Sec market and corporate debt market. The latter is further classified as market for PSU bonds and private sector bonds. The Government Securities market is the oldest and the largest component of the Indian debt market in terms of market capitalization, outstanding securities and trading volumes. The G-Sec market plays a vital role in the Indian economy as it provides the benchmark for determining the level of interest rates in the country through the yields on the Government Securities which are referred to as the risk-free rate of return in any economy. Over the years, there have been new products introduced by the RBI like zero coupon bonds, floating rate bonds, inflation indexed bonds, etc. The corporate bond market, in the sense of private corporate sector raising debt through public issuance in capital market, is only an insignificant part of the Indian Debt Market. A large part of the issuance in the non- Government debt market is currently on private placement basis. The money markets in India essentially consist of the call money market (i.e. market for overnight and term money between banks and institutions), reverse repo transactions (temporary sale with an agreement to buy back the securities at a future date at a specified price), commercial papers (CPs, short term unsecured promissory notes, generally issued by corporate), certificate of deposits (CDs, issued by banks) and Treasury Bills (issued by RBI) and similar securities. In a predominantly institutional market, the key money market players are banks, financial institutions, insurance companies, mutual funds, primary dealers and corporate. In money market, activity levels of the Government and non government debt vary from time to time. 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 less than 1 year are actively traded and offer a viable investment option. Following table exhibits various debt instruments along with current yields as on July 31, 2025: 21Instrument Yield Range (% per annum) TREPS 4.75-5.55 Repo 5.5 91 days T-Bill 5.30 - 5.40 182 Days T-Bill 5.50 - 5.60 364 days T-Bill 5.50 - 5.60 1 month CD 5.70 - 5.80 3 month CD 5.75 - 5.85 6 month CD 5.90 - 6.00 1 year CD 6.20 - 6.30 1 month CP 5.75 - 5.85 3 month CP 5.75 - 5.85 6 month CP 5.95 - 6.05 1 year CP 6.15 - 6.25 3 year Corporate Bond – AAA Rated 6.65 - 6.75 5 year Corporate Bond – AAA Rated 6.80 - 6.90 5 year G-sec* 6.15 - 6.25 10 year G-sec* 6.45 - 6.55 *Gsec yield are annualised (Source: Bloomberg and NDS OM) These yields are indicative and do not indicate yields that may be obtained in future as interest rates keep changing consequent to changes in macro economic conditions and RBI policy. The price and yield on various debt instruments fluctuate from time to time depending upon the macro economic situation, inflation rate, overall liquidity position, foreign exchange scenario etc. Also, the price and yield vary according to maturity profile, credit risk etc. C. WHAT ARE THE INVESTMENT STRATEGIES? An open-ended actively managed debt scheme investing in money market instruments with residual maturity up to Consolidat 1 year. The investment strategy would be towards generating regular returns through a portfolio of Money Market ed instruments seeking to capture the term and credit spreads. The Scheme shall endeavor to develop a well-diversified Std Obs. portfolio of money market instruments. Investments made from the net assets of the Scheme would be in accordance 27 & SO with the investment objective of the Scheme and the provisions of the SEBI (MF) Regulations. The AMC will 07 strive to achieve the investment objective by way of a judicious portfolio mix comprising of Money Market Instruments. Every investment opportunity in Money Market Instruments would be assessed with regard to credit risk, interest rate risk, liquidity risk, derivatives risk and concentration risk. The scheme may also undertake repo transactions in corporate debt securities, mutual fund units, units of CDMDF, in accordance with the directions issued by RBI and SEBI from time to time. Derivatives Strategy: The Scheme may take exposure to debt derivatives like Interest Rate Swaps, Interest Rate Futures, Forward Rate Agreements or other derivative instruments for the purpose of hedging, portfolio rebalancing and other purposes, as permitted by regulations from time to time. Such exposure to derivative instruments will be in line with the investment objective and overall strategy of the scheme. Derivative products are leveraged instruments and can 22provide disproportionate gains as well as disproportionate losses to the investor. Execution of such strategies depends upon the ability of the fund manager to identify such opportunities. Identification and execution of the strategies to be pursued by the fund manager involve uncertainty and decision of fund manager may not always be profitable. No assurance can be given that the fund manager will be able to identify or execute such strategies. The risks associated with the use of derivatives are different from or possibly greater than the risks associated with investing directly in securities and other traditional investments. Portfolio Turnover: Portfolio Turnover is a term used to measure the volume of trading that occurs in a Scheme's portfolio during a given time period. The Scheme has no specific target relating to turnover of securities, given the low liquidity in the debt market. However, the turnover is guided by sale and purchase of securities arising out of the purchase and redemption of Units. Trading opportunities may arise due to changes in system liquidity, interest rate policy announced by RBI, shifts in the yield curve, change or anticipation of change in the credit worthiness or credit rating of securities or any other factors, which may lead to increase in the turnover. The fund manager will endeavour to optimize portfolio turnover to maximize gains and minimize risks keeping in mind the cost associated with it. D. HOW WILL THE SCHEME BENCHMARK ITS PERFORMANCE? Consolidat As per AMFI Tier I benchmark CRISIL Money Market Index A-I The Scheme intends to invest in a portfolio of ed instruments which is best captured by CRISIL Money Market Index A-I . The composition of the benchmark is in Std Obs. 25 line with the intended asset allocation of the fund. Hence, the benchmark Index is an appropriate benchmark for & SO 09 the scheme. The Trustee reserves the right to change the benchmark for the evaluation of the performance of the Scheme from time to time, keeping in mind the investment objective of the Scheme and the appropriateness of the benchmark, subject to SEBI Mutual Fund Regulations, 1996 and circulars issued by SEBI from time to time. E. WHO MANAGES THE SCHEME? Details of the Fund Manager’s experience and qualifications are as under: Consolidat ed Name of the Age Education Experience Other Schemes managed Std Obs. & Fund Manager Qualification by the Fund Manager 33 & SO 10 Mr. Kaustubh 40 B.E.(Computer) Mr. Kaustubh has worked in Sule MBA(Finance) Fixed Income trading and • Groww Overnight Fund (Senior – Fund portfolio management for • Groww Liquid Fund Manager) almost 14 years and 3 years in • Groww Dynamic Bond the IT industry as a software Fund engineer. He has worked with • Groww Nifty 1D Rate Hexaware Technologies, Union Liquid ETF Bank of India, Reliance Life • Groww Aggressive insurance, HDFC Life Hybrid Fund insurance. He was working with • Groww Short Duration Axis Asset Management Fund Company as Fund Manager- • Groww Gilt Fund Fixed Income before joining Groww. F. HOW IS THE SCHEME DIFFERENT FROM EXISTING SCHEMES OF THE MUTUAL FUND? 23For detailed comparative table of the aforesaid schemes, please click here https://www.growwmf.in/downloads/sid G. HOW HAS THE SCHEME PERFORMED This scheme is a new scheme and does not have any performance track record. H. ADDITIONAL SCHEME RELATED DISCLOSURES i. Investor can view Scheme’s portfolio holdings on - https://www.growwmf.in/downloads/fact-sheet ii. Disclosure of name and exposure to Top 7 issuers, stocks, groups and sectors as a percentage of NAV of the scheme in case of debt and equity ETFs/index funds through a functional website link that contains detailed description – NA iii. Functional website link for Portfolio Disclosure - Fortnightly / Monthly/ Half Yearly - https://www.growwmf.in/statutory-disclosure/portfolio and https://www.growwmf.in/financials/half- yearly-unaudited iv. Portfolio Turnover Rate particularly for equity oriented schemes shall also be disclosed - NA v. Aggregate investment in the Scheme by: Sr. Category of Persons Market Value (in Rs) Net Value No. 1. Concerned scheme’s Fund Manager(s) Units NAV per unit NA For any other disclosure w.r.t investments by key personnel and AMC directors including regulatory provisions in this regard kindly refer SAI. The above disclosures are not applicable since this scheme is a new scheme and does not contain any details. vi. Investments of AMC in the Scheme – Consolid Subject to the Regulations, the AMC may invest either directly or indirectly, in the Scheme during the NFO ated and/or Ongoing Offer Period. However, the AMC shall not charge any investment management fee on such Std Obs. investment in the Scheme. 58 & SO 01 Please refer to https://www.growwmf.in/statutory-disclosure/alignment-of-interest for details • Risk-o-meter shall be evaluated on a monthly basis and the Risk-o-meter shall be disclosed along with Consoli portfolio disclosure on GMF website and on AMFI website within 10 days from the close of each month. dated • Scheme Summary Document (SSD) shall be updated on a Monthly basis or on changes in any specified Std Obs. fields, whichever is earlier. The same shall be uploaded on websites of GMF, AMFI and stock exchanges. & 38 PART III- OTHER DETAILS A. COMPUTATION OF NAV Consolidat The Net Asset Value (NAV) of a mutual fund is the price at which units of a mutual fund are bought or ed sold. It is the market value of the fund after deducting its liabilities. The value of all units of a mutual Std Obs. & fund portfolio are calculated on a daily basis, from this all expenses are then subtracted. The result is 42 24then divided by the total number of units the resultant value is the NAV. NAV is also sometimes referred to as Net Book Value or book Value. Calculation of NAV Mutual fund assets usually fall under two categories – securities & cash. Securities, here, include both bonds and stocks. Therefore, the total asset value of a fund will include its stocks, cash and bonds at market value. IDCWs and interest accrued and liquid assets are also included in total assets. Also, liabilities like money owed to creditors, and other expenses accrued are also included. The Mutual Fund will value its investments according to the valuation norms, as specified in Schedule VIII of the SEBI (MF) Regulations, or such norms as may be specified by SEBI from time to time. Formula to calculate Net Asset Value (NAV) = (Assets – Debts) / (Number of Outstanding units) Here: Assets = Market value of mutual fund investments + Receivables + Accrued Income Debts =Liabilities + Expenses (accrued) the market value of the stocks & debentures. The NAV shall be calculated up to four decimal places. However the AMC reserves the right to declare the NAVs up to additional decimal places as it deems appropriate. Separate NAV will be calculated and disclosed for each Plan/Option. The NAVs of the Growth Option and the IDCW Option will be different after the declaration of the first IDCW. The AMC will calculate and disclose the first NAV of the Scheme within a period of 5 business days from the date of allotment. Subsequently, the NAVs will be calculated for all the Business Days. Rounding off policy for NAV: To ensure uniformity, the Mutual Fund shall round off NAVs up to four decimal places & the fourth decimal will be rounded off to the next higher digit if the fifthdecimal is or more than 5 i.e., if the NAV is 10.13576 it will be rounded off to 10.1358. However, there can be no assurance that the investment objective of the scheme will be achieved. Sale Price: Sale price is a price at which the fund house sells / offers mutual fund units to investors; this is nothing but the NAV of the respective Scheme of Mutual Fund. For investor who wants to invest in Mutual Fund, the units are offered at NAV of the respective Scheme of Mutual Fund. For Example – If investor A wants to invest Rs. 5,000/- in XYZ Scheme of Mutual Fund. The NAV of Mutual Fund Scheme XYZ is Rs. 15 per unit. Investor’s Investments & Mutual Fund unit allocation in Scheme XYZ is calculated as follows:- Investment of Investor A = Investment Amount / Sale Price = 5,000 / 15 = 333.3333 units This means investor A will be allocated 333.3333 units of Mutual Fund Scheme XYZ. Repurchase Price: SO 17 & Repurchase price is a price at which fund house repurchases the mutual fund units back from the investor. For 19 investor who wants to redeem his mutual fund units, the units are repurchased at respective scheme NAV less Exit Load (If Applicable) 25For Example - If Mutual Fund Scheme XYZ is having NAV of Rs. 15 & Exit Load of 1% then the repurchase price would be calculated as follow: Repurchase Price = NAV *(1- Exit Load %) = 15 *(1-0.01) = 14.8500 This means the investor will realise Rs. 14.8500 per unit if he redeems from Mutual Fund Scheme XYZ. In case of no exit load the NAV & repurchase price are same. The repurchase price of an open ended scheme shall not be lower than 95% of the NAV. For other details such as policies w.r.t computation of NAV, rounding off, investment in foreign securities, procedure in case of delay in disclosure of NAV etc. refer to SAI B. NEW FUND OFFER (NFO) EXPENSES These expenses are incurred for the purpose of various activities related to the NFO like sales and distribution fees paid marketing and advertising, registrar expenses, printing and stationary, bank charges etc. NFO expenses will be borne by the AMC. C. 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 2.00% of the daily average net assets of the scheme will be charged to the scheme as expenses (Give slab wise break up depending on the assets under management. Give plan/option wise break up if the expense structures are different). For the actual current expenses being charged, the investor should refer to the website of the mutual fund. % p.a. of daily Net Assets* Expense Head (Estimated p.a.) Investment Management & Advisory Fee Upto 2.00% Audit fees/fees and expenses of trustees Custodial Fees Registrar & Transfer Agent Fees including cost of providing account statements / IDCW / redemption cheques/ warrants Marketing & Selling Expenses including Agents Commission and statutory advertisement Costs related to investor communications Costs of fund transfer from location to location Cost towards investor education & awareness Brokerage & transaction cost pertaining to distribution of units Goods & Services Tax on expenses other than investment and advisory fees 26Goods & Services Tax on brokerage and transaction cost Other Expenses (to be specified as per Reg 52 of SEBI MF Regulations) Maximum Total expenses ratio (TER) permissible under Regulation 52 Upto 2.00% (6) (c) Additional expenses under Regulations 52(6A)(c) Upto 0.05% *Any other expenses which are directly attributable to the Scheme, may be charged with approval of the Trustee within the overall limits as specified in the Regulations except those expenses which are specifically prohibited. **SEBI vide its letter no. SEBI/HO/IMD-SEC-3/P/OW/2023/5823/1 dated February 24, 2023, and AMFI letter dated No. 35P/ MEM-COR/ 85-a/ 2022-23 dated March 02, 2023 has directed AMCs to keep B-30 incentive structure in abeyance till further notice. In terms of paragraph 10.1.16 of SEBI Master Circular for Mutual Funds dated June 27, 2024, the AMC / Consoli Mutual Fund shall annually set apart at least 2 basis points (i.e., 0.02%) on daily net assets of the scheme within dated Std Obs. the maximum limit of Total Expense Ratio as per Regulation 52 of the SEBI (MF) Regulations for investor & 43 education and awareness initiatives. Further, the additional expenses under Regulation 52(6A)(c) shall also be incurred towards the same expense heads. However, as per Para 10.1.7 of SEBI Master Circular for Mutual Funds dated June 27, 2024, in case of all schemes, wherein exit load is not levied / not applicable, the AMC will not be eligible to charge the above mentioned additional expenses for such schemes. Brokerage and transaction costs incurred for the execution of trades and included in the cost of investment, not exceeding 0.12 per cent of the value of trades of cash market transactions and 0.05 per cent of the value of trades of derivative market transactions. Thus, in terms of paragraph 10.1.14 of SEBI Master Circular for Mutual Funds dated June 27, 2024, it is hereby clarified that the brokerage and transaction costs incurred for the execution of trades may be capitalized to the extent of 0.12 per cent of the value of trades of cash market transactions and 0.05 per cent of the value of trades of derivative market transactions. Any payment towards brokerage and transaction costs (including Goods & Services Tax, if any) incurred for the execution of trades, over and above the said 0.12 per cent for cash market transactions and 0.05 per cent of the value of trades of derivative market transactions may be charged to the scheme within the maximum limit of Total Expense Ratio (TER) as prescribed under Regulation 52 of the SEBI (MF) Regulations. As per the Regulations, the total recurring expenses that can be charged to the Scheme in this Scheme information document shall be subject to the applicable guidelines. The total recurring expenses of the Scheme will however be limited to the ceilings as prescribed under Regulation 52(6) of the Regulations. *Impact of TER on returns of both Direct plan and Regular plan through an illustration may be provided. For any scheme, NAV is computed on a daily basis factoring in all the assets as well as liabilities of the scheme (including expenses charged). Expenses charged to the scheme bring down its NAV and hence the investor's net returns on a corresponding basis. Illustration: If the scheme's gross of expenses NAV goes up by 15% over 1 year (for example from 10 to 11.5), and the expense charged for the scheme over that year is 2% of the initial NAV (0.2), the NAV of scheme (net of expenses) at the end of 1 year will come down to 11.3 (11.5 less 0.2) and therefore the net of expenses return for the investor will be 13%. 27Consoli *Impact of TER on returns of both Direct plan and Regular plan as an illustration: dated Std Obs. Particulars Regular Plan Direct Plan & 44 Amount invested at the beginning of the year (Rs,) 10,000 10,000 Returns before Expenses (Rs.) 1,500 1,500 Expenses other than Distribution Expenses (Rs.) 150 150 Distribution Expenses (Rs.) 50 - Returns after Expenses at the end of the year (Rs.) 1,300 1,350 Returns (%) 13.00% 13.50% D. LOAD STRUCTURE Consolid ated Exit Load is an amount which is paid by the investor to redeem the units from the scheme. Load Std Obs. amounts are variable and are subject to change from time to time. For the current applicable structure, & 47 please refer to the website of the AMC (https://www.growwmf.in/downloads/fact-sheet) or may call at (toll free no. 80501 80222.) or your distributor. Type of Load Load Chargeable (as % of NAV) Exit Load Nil The Trustee reserves the right to modify/alter the load structure and may decide to charge on the Units with prospective effect, subject to the maximum limits as prescribed under the SEBI Regulations. At the time of changing the load structure, the AMC shall take the following steps: • Arrangements shall be made to display the changes/modifications in the SID in the form of a notice in all the Groww Mutual Fund’s ISCs’ and distributors’ offices and on the website of the AMC. • The notice–cum-addendum detailing the changes shall be attached to SIDs and Key Information Memoranda. The addendum will be circulated to all the distributors so that the same can be attached to all SIDs and Key Information Memoranda already in stock. SO 16 • The introduction of the exit load along with the details shall be stamped in the acknowledgement slip issued to the investors on submission of the application form and may also be disclosed in the statement of accounts issued after the introduction of such load. • Any other measures which the mutual funds may feel necessary. The AMC may change the load from time to time and in case of an exit/repurchase load this may be linked to the period of holding. It may be noted that any such change in the load structure shall be applicable on prospective investment only. The exit load (net off GST, if any, payable in respect of the same) shall be credited to the Scheme of the Fund. The distributors should disclose all the commissions (in the form of trail commission or any other mode) payable to them for the different competing schemes of various mutual funds from amongst which the scheme is being recommended to the investor. 28SECTION II I. INTRODUCTION A. Definitions/interpretation For detailed description please click the link: https://www.growwmf.in/downloads/sid B. Risk factors Consolida Scheme Specific Risk Factors ted The following are the risks associated with investment in Fixed Income securities: Std Obs. 08 & SO Interest-Rate Risk: Fixed income securities such as government bonds, corporate bonds, Money Market 02 Instruments and Derivatives 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 depends upon the coupon and maturity of the security. It also depends upon the yield level at which the security is being traded. Re-investment Risk: Investments in fixed income securities carry re-investment risk as interest rates prevailing on the coupon payment or maturity dates may differ from the original coupon of the bond. Basis Risk: The underlying benchmark of a floating rate security or a swap might become less active or may cease to exist and thus may not be able to capture the exact interest rate movements, leading to loss of value of the portfolio. Spread Risk: In a floating rate security the coupon is expressed in terms of a spread or mark up over the benchmark rate. In the life of the security this spread may move adversely leading to loss in value of the portfolio. The yield of the underlying benchmark might not change, but the spread of the security over the underlying benchmark might increase leading to loss in value of the security. Liquidity Risk: The liquidity of a bond may change, depending on market conditions leading to changes in the liquidity premium attached to the price of the bond. At the time of selling the security, the security can become illiquid, leading to loss in value of the portfolio. Credit Risk: This is the risk associated with the issuer of a debenture/bond or a Money Market Instrument defaulting on coupon payments or in paying back the principal amount on maturity. Even when there is no default, the price of a security may change with expected changes in the credit rating of the issuer. It is to be noted here that a Government Security is a sovereign security and is at low risk. Corporate bonds carry a higher amount of credit risk than Government Securities. Within corporate bonds also there are different low levels of risk and a bond rated higher by a particular rating agency is at lower risk than a bond rated lower by the same rating agency. Liquidity Risk on account of unlisted securities: The liquidity and valuation of the Scheme investments due to their holdings of unlisted securities may be affected if they have to be sold prior to their target date of divestment. The unlisted security can go down in value before the divestment date and selling of these securities before the divestment date can lead to losses in the portfolio. 29Settlement Risk: Fixed income securities run the risk of settlement which can adversely affect the ability of the fund house to swiftly execute trading strategies which can lead to adverse movements in NAV. Risk Associated with Securitized Debt The Scheme will not invest in securitized debt. Risks associated with Derivatives Transactions SO. 05 Credit Risk: The credit risk is the risk that the counter party will default in its obligations and is generally small as in a Derivative transaction there is generally no exchange of the principal amount. Interest rate Risk: Derivatives carry the risk of adverse changes in the price due to change in interest rates. Basis Risk: When a bond is hedged using a Derivative, the change in price of the bond and the change in price of the Derivative may not be fully correlated leading to basis risk in the portfolio. Liquidity Risk: During the life of the Derivative, the benchmark might become illiquid and might not be fully capturing the interest rate changes in the market, or the selling, unwinding prices might not reflect the underlying assets, rates and indices, leading to loss of value of the portfolio. Model Risk: The risk of mis–pricing or improper valuation of Derivatives. Trade Execution: Risk where the final execution price is different from the screen price leading to dilution in the spreads and hence impacting the profitability of the reverse arbitrage strategy. Systemic Risk: For Derivatives, especially OTC ones, the failure of one Counter Party can put the whole system at risk and the whole system can come to a halt. Derivative products are leveraged instruments and can provide disproportionate gains as well as disproportionate losses to the investor. Execution of strategies depends upon the ability of the fund manager to identify such opportunities. Identification and execution of the strategies to be pursued by the fund manager involve uncertainty and decision of fund manager may not always be profitable. No assurance can be given that the fund manager will be able to identify or execute such strategies. The risks associated with the use of Derivatives are different from or possibly greater than, the risks associated with investing directly in securities and other traditional investments. Risk associated with Securities Lending Securities Lending is a lending of securities through an approved intermediary to a borrower under an SO 06 agreement for a specified period with the condition that the borrower will return equivalent securities of the same type or class at the end of the specified period along with the corporate benefits accruing on the securities borrowed. There are risks inherent in securities lending, including the risk of failure of the other party, in this case the approved intermediary to comply with the terms of the agreement. Such failure can result in a possible loss of rights to the collateral, the inability of the approved intermediary to return the securities deposited by the lender and the possible loss of corporate benefits accruing thereon. Risk factors associated with repo transactions in corporate bonds The market for the aforesaid product is over the counter (OTC) and illiquid. Hence, repo obligations cannot be easily sold to other parties. If counterparty fails, the scheme would have to take recourse to the collateral provided. If a counterparty fails to repay and the value of the collateral falls beyond the haircut, then the Scheme would be exposed to a loss of interest or principal. 30Further, the exposure to debt securities provided as collateral, and the issuer of the debt securities makes a default, the scheme may lose the whole, or substantial portion of the amount. Potential Risk Matrix: The Potential Risk Class Matrix reflects the maximum risk fund manager can take in the scheme in terms of maximum interest rate risk (measured by Macaulay duration of scheme) and maximum credit risk (measured by Credit Risk value of the scheme). The threshold for values of interest rate risk & credit risk would determine the maximum risk the scheme can take. ▪ I. Maximum Weighted Average Interest Rate Risk of the scheme (measured in terms of Macaulay Duration): 1. Class I: MD<= 1 year; 2. Class II: MD<=3 years; 3. Class III: Any Macaulay duration ii. Maximum Weighted Average Credit Risk of the scheme (measured in terms of Credit Risk Value assigned to each security in portfolio): 1. Class A: CRV >=12 2. Class B: CRV >=10 3. Class C: CRV ▪ Stress Testing: Stress testing in open-ended debt schemes addresses the asset side risk from an Interest Rate Risk, Credit Risk & Liquidity Risk perspective at an aggregate portfolio level in terms of its impact on Net Asset Value of the scheme. The AMC conducts Stress testing for all open-ended debt schemes (except overnight Fund) on a fortnightly basis. The model portfolio for each category of fund is defined. In case the stress in the actual portfolio is greater than stress in model portfolio then corrective action is taken within the defined timeline. ▪ Asset Liability Mismatch: The AMC monitors the Asset Liability Mismatch (ALM) requirement which address potential liquidity risk. The liability side covers all possible outflow scenarios with a 95% confidence interval over 90 days period. The asset side is rigoured based on Risk-o-meter liquidity scores in an exponential manner, to penalize assets with higher Risk-o-meter scores more than proportionately. With the above liquidity management tools, the redemption risk in the scheme can be addressed to a certain extent C. Risk mitigation strategies Consolidat Concentration Risk ed The Scheme will try and mitigate this risk by investing in large number of companies so as to maintain Std Obs.9 optimum diversification and keep stock-specific concentration risk relatively low. Liquidity Risk As such the liquidity of stocks that the fund invests into could be relatively low. The fund will try to maintain a proper asset-liability match to ensure redemption / Maturity payments are made on time and not affected by illiquidity of the underlying stocks. 31Credit Risk The fund has a rigorous credit research process. There is a regulatory and internal cap on exposure to each issuer. This ensures a diversified portfolio and reduced credit risk in the portfolio. 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. 32II. INFORMATION ABOUT THE SCHEME: A. Where will the scheme invest – Detailed description of the instruments mentioned in Section I B. What are the investment restrictions? SO 11 1) A mutual fund scheme shall not invest more than 10% of its NAV in debt instruments comprising money market instruments and non-money market instruments issued by a single issuer which are rated not below investment grade by a credit rating agency authorized to carry out such activity under the Act. Such investment limit may be extended to 12% of the NAV of the scheme with the prior approval of the Board of Trustees and the Board of directors of the asset management company: Provided that such limit shall not be applicable for investments in Government Securities, treasury bills and TREPS. Provided further that investment within such limit can be made in mortgaged backed securitized debt which are rated not below investment grade by a credit rating agency registered with SEBI. Further, in accordance with the In accordance with paragraph 12.8.3.1 of SEBI Master Circular for Mutual Funds dated June 27, 2024as amended from time to time, the scheme shall not invest more than a. 10% of its NAV in debt and money market securities rated AAA; or b. 8% of its NAV in debt and money market securities rated AA; or c. 6% of its NAV in debt and money market securities rated A and below issued by a single issuer. The above investment limits may be extended by up to 2% of the NAV of the scheme with prior approval of the Board of Trustees and Board of Directors of the AMC, subject to compliance with the overall 12% limit Provided that such limit shall not be applicable for investments in government securities, treasury bills and collateralized borrowing and lending obligations. 2) The Scheme shall not invest more than 10% of its NAV in un-rated 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 Trustee and Board of AMC. 3) The Scheme may invest in other schemes of the Mutual Fund or any other mutual fund (restricted to only debt and liquid funds) without charging any fees, provided the aggregate inter-scheme investment made by all the schemes under the same management or in schemes under the management of any other asset management company shall not exceed 5% of the Net Asset Value of the Mutual Fund. 4) The scheme shall not make any investment in i) Any unlisted security of an associate or group company of the sponsor iiAny security issued by way of private placement by an associate or group company of the sponsor; or iii) The listed securities of group companies of the sponsor which in excess of 25% of net assets. 5) The Mutual Fund shall get the securities purchased transferred in the name of the Fund on account of the concerned Scheme, wherever investments are intended to be of a long-term nature. 336) Transfer of investments from one scheme to another scheme in the same Mutual Fund is permitted Consolid provided: ated Std Obs. i) such transfers are done at the prevailing market price for quoted instruments on spot basis (spot basis & 30 shall have the same meaning as specified by a Stock Exchange for spot transactions); and ii) the securities so transferred shall be in conformity with the investment objective of the Scheme to which such transfer has been made. iii)IST purchases would be allowed subject to guidelines as specified in accordance with paragraph 12.30 of SEBI Master Circular for Mutual Funds dated June 27, 2024 7) The Mutual Fund shall buy and sell securities on the basis of deliveries and shall in all cases of purchases, take delivery of relevant securities and in all cases of sale, deliver the securities: 8) The Mutual Fund may enter into Derivatives transactions in a recognized stock exchange, subject to the framework specified by SEBI. 9) The sale of government security already contracted for purchase shall be permitted in accordance with the guidelines issued by the RBI in this regard. 10) The Scheme shall not make any investment in any fund of funds scheme. 11) Pending deployment of the funds of the Scheme in securities in terms of the investment objective of the Scheme, the AMC may park the funds of the Scheme in short term deposits of scheduled commercial banks, In accordance with paragraph 12.16 of SEBI Master Circular for Mutual Funds dated June 27, 2024 as may be amended from time to time: 11.1. The Scheme will comply with the following guidelines/restrictions for parking of funds in short term deposits: 11.2. “Short Term” for such parking of funds by the Scheme shall be treated as a period not exceeding 91 days. Such short-term deposits shall be held in the name of the Scheme. 11.3. The Scheme shall not park more than 15% of the net assets in short term deposit(s) of all the scheduled commercial banks put together. However, such limit may be raised to 20% with prior approval of the Trustee. 11.4. Parking of funds in short term deposits of associate and sponsor scheduled commercial banks together shall not exceed 20% of total deployment by the Mutual Fund in short term deposits. 11.5. The Scheme shall not park more than 10% of the net assets in short term deposit(s), with any one scheduled commercial bank including its subsidiaries. 11.6. The Scheme shall not park funds in short term deposit of a bank which has invested in that Scheme. However, the above provisions will not apply to term deposits placed as margins for trading in cash and Derivatives market. 12) The Fund shall not borrow except to meet temporary liquidity needs of the Fund for the purpose of Repurchase/Redemption of Unit or payment of interest and/or IDCW to the Unit holder. The Fund shall not borrow more than 20% of the net assets of the individual Scheme and the duration of the borrowing shall not exceed a period of 6 months. 3413)In accordance with paragraph 12.9 of SEBI Master Circular for Mutual Funds dated June 27, 2024, the total exposure of debt schemes in a particular sector (excluding investments in Bank CDs, TREPS, G-Secs, TBills and AAA rated securities issued by Public Financial Institutions and Public Sector Banks) shall not exceed 20% of the net assets of the scheme. Provided that an additional exposure to financial services sector (over and above the limit of 20%) not exceeding 10% of the net assets of the scheme shall be allowed by way of increase in exposure to Housing Finance Companies (HFCs) only. Further, an additional exposure of 5% of the net assets of the scheme has been allowed for investments in securitized debt instruments based on retail housing loan portfolio and/or affordable housing loan portfolio. Provided further that the additional exposure to such securities issued by HFCs are rated AA and above and these HFCs are registered with National Housing Bank (NHB) and the total investment/ exposure in HFCs shall not exceed 20% of the net assets of the scheme. For the purpose of identifying sector, AMFI sector definitions shall be referred to. For unlisted / non traded securities, where sector classification does not exist, AMC will have the discretion to decide the classification as per their best judgment. 14)The Scheme shall not invest in unlisted debt instruments including commercial papers, except Government Securities and other money market instruments. • Provided that the Scheme may invest in unlisted nonconvertible debentures up to a maximum of 10% of the debt portfolio of the Scheme subject to such conditions as may be specified by SEBI from time to time. • Provided further that the Scheme shall comply with the norms under the above clauses within the time and in the manner as may be specified by SEBI. • Provided further that the norms for investments by the Scheme in unrated debt instruments shall be as specified by SEBI from time to time. As per these norms, investments in unrated debt and money market instruments, other than government securities, treasury bills, derivative products such as Interest Rate Swaps (IRS), Interest Rate Futures (IRF), etc. by mutual fund schemes shall not exceed 5% of net assets of the Scheme. Further, the Scheme shall comply with provisions of paragraph 12.1 of SEBI Master Circular for Mutual Funds dated June 27, 2024 regarding investment in Debt and Money Market Instruments, as amended from time to time, to the extent applicable to the Scheme. 16) The Scheme shall not invest more than 20% of its net assets in a group (excluding investments in securities issued by Public Sector Units, Public Financial Institutions and Public Sector Banks). Such investment limit may be extended to 25% of the net assets of the Scheme with the prior approval of the Trustees. Provided that investments by the Scheme in debt and money market instruments of group companies of both the sponsor and the asset management company shall not exceed 10% of the net assets of the Scheme. Such investment limit may be extended to 15% of the net assets of the Scheme with prior approval of the Board of Trustees. For this purpose, a group means a group as defined under regulation 2 (mm) of the Regulations and shall include an entity, its subsidiaries, fellow subsidiaries, its holding company and its associates. The Schemes will comply with the other Regulations applicable to the investments of Mutual Funds from time to time. 35All the investment restrictions will be applicable at the time of making investments. Consolid Apart from the investment restrictions prescribed under SEBI (MF) Regulations, the Fund does not ated follow any internal norms vis-a-vis limiting exposure to a particular scrip or sector etc. Std Obs.19 AMC/Trustee may alter these above stated restrictions from time to time to the extent the Regulations & SO 13 change, so as to permit the Scheme to make its investments in the full spectrum of permitted investments for mutual funds to achieve its respective investment objective. C. Fundamental Attributes Consolid Following are the Fundamental Attributes of the scheme, in terms of Clause 1.14 of SEBI Master ated Circular for Mutual Funds dated June 27, 2024: Std Obs. 59 SO (i) Type of a scheme: An open ended debt scheme investing in money market instruments. A relatively low 08 interest rate risk and moderate credit risk. (ii) Investment Objective: Please refer to Part I. V ie “Investment Objective” mentioned under “Highlights/Summary of the Scheme” Main Objective – Growth/Income/Both Investment pattern - The details of Investment Pattern are mentioned in Part II “Information about scheme” under Point A “How will the Scheme Allocate its Assets” (iii) Terms of Issue: • Liquidity provisions such as listing, Repurchase, Redemption -Please refer to the Part I • Aggregate fees and expenses charged to the scheme The aggregate fees and expenses charged to the Scheme will be in line with the limits defined in the SEBI (MF) Regulations as amended from time to time. The aggregate fee and expenses to be charged to the Scheme is detailed in Part III of this document. • Any safety net or guarantee provided - There is no assurance or guarantee that the investment objective of the scheme will be realized. In accordance with Regulation 18(15A) of the SEBI (MF) Regulations and Clause 1.14.1.4 of SEBI Master Circular for Mutual Funds dated June 27, 2024 the Trustees shall ensure that no change in the fundamental attributes of the Scheme(s) and the Plan(s) / Option(s) thereunder or the trust or fee and expenses payable or any other change which would modify the Scheme(s) and the Plan(s) / Option(s) thereunder and affect the interests of Unitholders is carried out unless: • SEBI has reviewed and provided its comments on the proposal • A written communication about the proposed change is sent to each Unitholder and an advertisement is given in one English daily newspaper having nationwide circulation as well as in a newspaper published in the language of the region where the Head Office of the Mutual Fund is situated; and 36• The Unitholders are given an option for a period of atleast 30 calendar days to exit at the prevailing Net Asset Value without any exit load. D. Index methodology (for index funds, ETFs and FOFs having one underlying domestic ETF)- Disclosures regarding the index, index eligibility criteria, methodology, index service provider, index constituents, impact cost of the constituents is not provided since its not an index fund / ETF / FOF. E. Principles of incentive structure for market makers (for ETFs) is not provided since its not an ETF. F. Floors and ceiling within a range of 5% of the intended allocation against each sub class of asset, as per clause 13.6.2 of SEBI master circular for mutual funds dated June 27, 2024 (only for close ended debt schemes) - NA G. Other Scheme Specific Disclosures: Listing and transfer of units Since units of the Scheme will be offered for subscription and redemption at NAV based prices on all Business Days on an ongoing basis providing the required liquidity to investors, units of the Scheme are not proposed to be listed on any stock exchange. However, the Trustee reserves the right to list the units of the Scheme on any stock exchange(s) at its sole discretion at a later date. Consolid ated Dematerialization of units The Unit holders are given an Option to hold the units in Std Obs. Physical form (by way of an Account Statement) or & 57 Dematerialized ('Demat') form. The Applicants intending to hold the Units in dematerialised mode will be required to have a beneficiary account with a DP of the NSDL/CDSL and will be required to mention the DP's Name, DP ID No. and Beneficiary Account No. with the DP in the application form at the time of subscription/ additional purchase of the Units of the scheme. Further, investors also have an option to convert their physical holdings into the dematerialised mode at a later date. Each Option held in the dematerialised form shall be identified on the basis of an International Securities Identification Number (ISIN) allotted by National Securities Depositories Limited (NSDL) and Central Depository Services Limited (CDSL). The ISIN No. details of the respective option can be obtained from your Depository Participant (DP) or you can access the website link www.nsdl.co.in or www.cdslindia.com. The holding of units in the dematerialized mode would be subject to the guidelines/ procedural requirements as laid by the Depositories viz. NSDL/CDSL from time to time. Such units held in demat form shall be fully transferable. 37Minimum Target amount Rs. 20,00,00,000/- (Rupees Twenty crore only) (This is the minimum amount required to operate the scheme and if this is not collected during the NFO period, then all the investors would be refunded the amount invested without any return.) Maximum Amount to be raised (if The AMC does not specify any maximum amount of any) subscription in the scheme. Dividend Policy (IDCW) The Trustee will endeavor to declare IDCW under the IDCW Option, subject to availability of distributable surplus calculated in accordance with the Regulations. The AMC/Trustee reserves the right to change the frequency of declaration of IDCW or may provide for additional frequencies for declaration of IDCW. IDCW Declaration Procedure:- IDCW distribution procedure: In accordance with Chapter 11 of SEBI Master Circular for Mutual Funds dated June 27, 2024, the procedure for IDCW distribution will be as follows: 1. Quantum of IDCW and record date shall be fixed by the Board of Trustees. IDCW so decided shall be paid, subject to availability of distributable surplus as on the date of declaration of IDCW. 2. Within 1 calendar day of the decision by the Board of Trustees, the AMC shall issue notice to the public communicating the decision about the IDCW including the record date, in one English daily newspaper having nationwide circulation as well as in a newspaper published in the language of the region where Head Office of the Mutual Fund is situated. 3. Record date shall be the date, which will be considered for the purpose of determining the eligibility of investors whose name appear on the register of unit holders for receiving IDCWs. The Record Date will be two working days from the date of issue of notice. 4. The NAV will be adjusted to the extent of IDCW distribution and statutory levy, if any at the close of business hours on record date. 5. Before the issue of such notice, no communication indicating the probable date of IDCW declaration in any manner whatsoever will be issued by the Mutual Fund. 6. The payment of dividend to the unitholders shall be made within seven working days from the record date. Even though the asset portfolio will be common, the NAVs of the growth option and IDCW option in the Scheme will 38be distinctly different after declaration of the first IDCW to the extent of distributed income, applicable tax and statutory levy, if any, and expenses relating to the distribution of the IDCWs. All the IDCW declaration and payments shall be in accordance and in compliance with SEBI regulations, as amended from time to time. Allotment (Detailed procedure) Investors may apply for Units by filling up an Application Form. All valid and complete applications will be allotted Units at the Applicable NAV for the application amount. Refund If the application is rejected, then full amount would be refunded within 5 business days of the closure of New Fund Offer Period. If refunded after the time period stipulated under the Regulations, interest at 15% p.a. for delay period would be borne by the AMC and paid to the investor. Who can invest The following persons are eligible to apply for subscription This is an indicative list and investors to the units of the Scheme (subject to, wherever relevant, shall consult their financial advisor to subscription to units of the Scheme being permitted under the respective constitutions and relevant statutory ascertain whether the scheme is regulations): suitable to their risk profile. 1. Indian resident adult individuals either singly or jointly (not exceeding three) or on an Anyone or Survivor basis; 2. Hindu Undivided Family (HUF) through Karta of the HUF; 3. Minor through parent/ legal guardian; 4. Partnership Firms and Limited Liability Partnerships (LLPs); 5. Proprietorship in the name of the sole proprietor; 6. Companies, Bodies Corporate, Public Sector Undertakings (PSUs), Association of Persons (AOP) or Bodies of Individuals (BOI) and societies registered under the Societies Registration Act, 1860; 7. Banks (including Co-operative Banks and Regional Rural Banks) and Financial Institutions; 8. Mutual Funds registered with SEBI; 9. 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; 10. Non-Resident Indians (NRIs)/ Persons of Indian origin (PIOs) residing abroad on repatriation basis or on non- repatriation basis; 11. Foreign Institutional Investors (FIIs) and their subaccounts registered with SEBI on repatriation basis; 12. Army, Air Force, Navy and other para-military units and bodies created by such institutions; 13. Scientific and Industrial Research Organizations; 3914. Multilateral Funding Agencies/ Bodies Corporate incorporated outside India with the permission of Government of India/ RBI; 15. Provident Funds, Pension Funds, Gratuity Funds and Superannuation Funds to the extent they are permitted; 16. Other schemes of Groww Mutual Fund subject to the conditions and limits prescribed by SEBI (MF) Regulations; 17. Trustee, AMC or Sponsor or their associates may subscribe to units under the Scheme; 18. Qualified Foreign Investors 19. Such other individuals/institutions/ body corporates etc., as may be decided by the AMC from time to time, so long as, wherever applicable, subject to their respective constitutions and relevant statutory regulations. The list given above is indicative and the applicable laws, if any, as amended from time to time shall supersede the list. Note: 1. Non Resident Indians (NRIs) and Persons of Indian Origin (PIOs) residing abroad/ Foreign Institutional Investors (FIIs) have been granted a general permission by Reserve Bank of India under 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. 2. It is expressly understood that at the time of investment, the investor/unitholder has the express authority to invest in units of the Scheme and the AMC/ Trustee/ Mutual Fund will not be responsible if such investment is ultra vires the relevant constitution. Subject to the Regulations, the Trustee may reject any application received in case the application is found invalid/ incomplete or for any other reason in the Trustee's sole discretion. 3. Dishonored cheques are liable not to be presented again for collection, and the accompanying application forms are liable to be rejected. 4. The Trustee, reserves the right to recover from an investor any loss caused to the Scheme on account of dishonor of cheques issued by the investor for purchase of Units of this Scheme. 5. For subscription in the Scheme, it is mandatory for investors to make certain disclosures like bank details etc. and provide certain documents like PAN copy etc. (for details please refer SAI) without which the application is liable to be rejected. 6. Subject to the SEBI (MF) Regulations, any application for units of this Scheme may be accepted or rejected in the sole and absolute discretion of the Trustee/AMC. 40The Trustee/AMC may inter-alia reject any application for the purchase of units if the application is invalid or incomplete or if the Trustee for any other reason does not believe that it would be in the best interest of the Scheme or its unitholders to accept such an application. Who cannot invest The following persons are not eligible to invest in the Scheme: • Any individual who is a foreign national or any other entity that is not an Indian resident under the Foreign Exchange Management Act, 1999 (FEMA Act) except where registered with SEBI as a FPI or sub account of FPI or otherwise explicitly permitted under FEMA Act/ by RBI/ by any other applicable authority or where they falls under the category of QFIs. • Pursuant to RBI A.P. (DIR Series) Circular No. 14 dated September 16, 2003, Overseas Corporate Bodies (OCBs) cannot invest in Mutual Funds. • NRIs residing in Non-Compliant Countries and Territories (NCCTs) as determined by the Financial Action Task Force (FATF), from time to time. • Persons residing in countries which require licensing or registration of Indian Mutual Fund products before selling the same in its jurisdiction. Such other persons as may be specified by AMC from time to time. How to Apply (Other details) Application form and Key Information Memorandum may be Consolidate obtained from the offices of AMC or Investor Services d Centres (ISCs)/of the Registrar or distributors or downloaded Std Obs. & from Investors are also advised to refer to SAI before 35 submitting the application form. MFCentral has been designated as Official point of acceptance of Groww Mutual Fund. The same can be accessed using https://mfcentral.com/ Any registered user of MFCentral, requiring submission of physical document as per the requirements of MFCentral, may do so at any of the designated Investor Service Centres or collection centres of KFIN or CAMS. The list of the Investor Service Centres (ISCs)/ of the Mutual Fund will be available on the website https://www.growwmf.in/downloads/sid All cheques and drafts should be crossed "Account Payee Only" and drawn in favour the scheme name in which investment is intended to be made. The AMC/ Trustee reserves the right to reject any application inter alia in the absence of fulfillment of any regulatory requirements, fulfillment of any requirements as per the SID, incomplete/incorrect documentation and not furnishing necessary information to the satisfaction of the Mutual 41Fund/AMC. Please refer to the SAI and Application form for the instructions. 1. Please visit https://www.growwmf.in/downloads/sid to know about the list of official points of acceptance, collecting banker details etc. 2. name, address and contact no. of Registrar and Transfer Agent (R&T), email id of R&T, website address of R&T, official points of acceptance, collecting banker details etc. are mentioned at the end of the document. Consolid ated Please note that it is mandatory for the unitholders to provide Std Obs. the bank account details in their application/redemption & 61 & requests as per SEBI guidelines. SO 21 The policy regarding reissue of Not Applicable repurchased units, including the maximum extent, the manner of Units once redeemed will not be reissued reissue, the entity (the scheme or the AMC) involved in the same. Restrictions, if any, on the right to The Mutual Fund will be repurchasing (subject to completion freely retain or dispose of units being of lock-in period, if any) and issuing units of the Scheme on offered. an ongoing basis and hence the transfer facility is found redundant. Any addition / deletion of name from the folio of the Unit holder is deemed as transfer of Units. In view of the same, additions / deletions of names will not be allowed under any folio of the Scheme. The said provisions in respect of deletion of names will not be applicable in case of death of a Unit holder (in respect of joint holdings) as this is treated as transmission (transfer of units by operation of law) of Units and not transfer. Units of the Scheme held in demat form shall be freely transferable (subject to lock-in period, if any) and will be subject to transmission facility in accordance with the provisions of the SEBI (Depositories and Participants) Regulations, 1996 as amended from time to time. Also, when a person becomes a holder of the units by operation of law or upon enforcement of pledge, then the AMC shall, subject to production/submission of such satisfactory evidence, which in its opinion is sufficient, effect the transfer, if the intended transferee is otherwise eligible to hold the units. Please refer to paragraphs on Transfer and Transmission of units‘, Right to limit Redemption‘, Suspension of Purchase and / or Redemption of Units and Pledge of Units’ in the SAI for further details. 42Cut off timing for subscriptions/ The Cut-off time for the Scheme is 3:00 pm and the redemptions/ switches Applicable NAV will be as under: For allotment of units, it shall be necessary that: This is the time before which your a) Application for purchase/switch-in is received before the application (complete in all respects) applicable cut-off time. should reach the official points of b) Funds for the entire amount of subscription / purchase as acceptance. per the application for purchase/switch-in are credited to the bank account of the Scheme before the cut-off time. c) The funds are available for utilization before the cut-off time without availing any credit facility whether intra-day or otherwise, by the Scheme. For Purchase (including switch-in) of any amount: ● In respect of valid applications received upto 3.00 p.m. and where the funds for the entire amount are available for utilization before the cut-off time i.e. credited to the bank account of the Scheme before the cut-off time - the closing NAV of the day shall be applicable. ● In respect of valid applications received after 3.00 p.m. and where the funds for the entire amount are credited to the bank account of the Scheme either on the same day or before the cut-off time of the next Business Day i.e. available for utilization before the cut-off time of the next Business Day - the closing NAV of the next Business Day shall be applicable. ● Irrespective of the time of receipt of application, where the funds for the entire amount are credited to the bank account of the Scheme before the cut-off time on any subsequent Business Day i.e. available for utilization before the cut-off time on any subsequent Business Day - the closing NAV of such subsequent Business Day shall be applicable. For Switch-ins of any amount: For determining the applicable NAV, the following shall be ensured: ● Application for switch-in is received before the applicable cut-off time. ● Funds for the entire amount of subscription / purchase as per the switch-in request are credited to the bank account of the Scheme before the cut-off time. ● The funds are available for utilization before the cut-off time. 43● In case of „switch‟ transactions from one scheme to another, the allocation shall be in line with redemption payouts. For investments through systematic investment routes such as Systematic Investment Plans (SIP), Systematic Transfer Plans (STP), etc. the units will be allotted as per the closing NAV of the day on which the funds are available for utilization by the Target Scheme irrespective of the instalment date of the SIP, STP or record date of IDCW etc.” The Trustee reserves the right to change / modify the aforesaid requirements at a later date in line with SEBI directives from time to time For allotment of units, it shall be ensured that: i. The application is received before the applicable cut-off time, ii. Funds for the entire amount of subscription/ purchase as per the application/ switch-in request are credited to the bank account of the Scheme before the cut-off time, iii. The funds are available for utilisation before the cut-off time without availing any credit facility whether intra-day or otherwise, by the Scheme. For Redemption/ Switch out ▪ In respect of valid applications received upto 3.00 p.m. on a Business Day, the closing NAV of the same day will be applicable; and In respect of valid applications received after 3.00 p.m., the closing NAV of the next Business Day will be applicable. Minimum amount for During NFO & Ongoing: Rs.500 and in multiples of Re. 1 purchase/redemption/switches Switch-in amount: Rs.500 and in multiples of Re.1. The minimum subscription limits for new purchases/additional purchases will apply to each Option separately. Minimum Redemption Amount: The minimum redemption amount shall be Rs. 500 and in multiples of Re. 1 In case, if the investor wants to submit redemption in units, the value should be equivalent to the minimum redemption amount specified above as on the applicable NAV date and the units should be in multiples of 0.001. In case the available balance in folio is less than the minimum redemption amount/units, then the investor can submit a request for "All units/Full redemption" of the amount / units available in folio. Please note this will not be applicable for 44units under pledge, lock-in units in Groww Tax Saver scheme and demat folios. The AMC reserves the right to change the minimum amounts for various purchase / redemption/ switch. Such changes shall only be applicable to transactions on a prospective basis. Accounts Statements The AMC shall send an allotment confirmation specifying Consolid the units allotted by way of email and/or SMS within 5 ated working days of receipt of valid application/transaction to Std Obs. the Unit holders registered e-mail address and/ or mobile 60 & SO number (whether units are held in demat mode or in 20 account statement form). A Consolidated Account Statement (CAS) detailing all the transactions across all mutual funds (including transaction charges paid to the distributor) and holding at the end of the month shall be sent to the Unit holders in whose folio(s) transaction(s) have taken place during the month. The monthly CAS will be dispatched to investors that have opted for delivery via electronic mode (e-CAS) within twelve (12) days from the month end and to investors that have opted for delivery via physical mode within fifteen (15) days from the month end. Half-yearly CAS shall be issued at the end of every six months (i.e. September/ March) to all investors providing the prescribed details across all schemes of mutual funds and securities held in dematerialized form across demat accounts, if applicable. The CAS will be dispatched to investors that have opted for e-CAS on or before the eighteenth (18th) day of April and October and to investors that have opted for delivery via physical mode by the twenty first (21st) day of April and October. For further details, refer SAI. Dividend/ IDCW The payment of dividend/IDCW to the unitholders shall be made within seven working days from the record date. Redemption The redemption or repurchase proceeds shall be dispatched to the unitholders within three working days from the date of redemption or repurchase. For list of exceptional circumstances refer para 14.1.3 of SEBI Master Circular for Mutual Funds dated June 27, 2024. Bank Mandate In case of those unit holders, who hold units in demat form, the bank mandate available with the respective DP will be treated as the valid bank mandate for the purpose of payout at the time of redemption. In view of the above, Multiple 45Bank Mandate registration facilities with the AMC will not be applicable to Demat account holders Delay in payment of redemption / The Asset Management Company shall be liable to pay repurchase proceeds/dividend interest to the unitholders at rate as specified vide clause 14.2 of SEBI Master Circular for Mutual Funds dated June 27, 2024 by SEBI for the period of such delay Unclaimed Redemption and Income As per the Clause 14.3 of SEBI Master Circular Consolid Distribution cum Capital Withdrawal SEBI/HO/IMD/IMD-PoD-1/P/CIR/2024/90 dated June 27, ated Amount 2024, the unclaimed Redemption and dividend amounts shall Std Obs. be deployed by the Fund in call money market or money & 52 market instruments and in a separate plan of Liquid scheme / Money Market Mutual Fund scheme floated by Mutual Funds specifically for deployment of the unclaimed amounts. The investment management fee charged by the AMC for managing such unclaimed amounts shall not exceed 50 basis points. The AMCs shall not be permitted to charge any exit load in this plan. Provided that such schemes where the unclaimed redemption and IDCW amounts are deployed shall be only those Overnight scheme/ Liquid scheme / Money Market Mutual Fund schemes which are placed in A-1 cell (Relatively Low Interest Rate Risk and Relatively Low Credit Risk) of Potential Risk Class matrix. The investors who claim these amounts during a period of three years from the due date shall be paid at the prevailing NAV. After a period of three years, this amount can be transferred to a pool account and the investors can claim the said amounts at the NAV prevailing at the end of the third year. In terms of the circular, the onus is on the AMC to make a continuous effort to remind investors through letters to take their unclaimed amounts. The website of Groww Mutual Fund also provides information on the process of claiming the unclaimed amount and the necessary forms / documents required for the same. The details of such unclaimed amounts are also disclosed in the annual report sent to the Unit Holders. Important Note: All applicants must provide a bank name, bank account number, branch address, and account type in the Application Form. Disclosure w.r.t investment by minors As per Para 17.6 of SEBI Master Circular No. SEBI/HO/IMD/IMD-PoD-1/P/CIR/2024/90 dated June 27, 2024 read with SEBI Circular dated May 12, 2023, the following Process for Investments in the name of a Minor through a Guardian will be applicable: a. Payment for investment by any mode shall be accepted from the bank account of the minor, parent or legal guardian of the minor, or from a joint account of the minor with parent or legal guardian. For existing folios, the AMCs shall insist 46Consolida ted Std Obs. & 37 upon a Change of Pay-out Bank mandate before redemption is processed. b. Redemption proceeds shall be credited only in verified bank account of the minor, i.e the account the minor may hold with the parent/legal guardian after completing KYC formalities. c. Upon the minor attaining the status of major, the minor in whose name the investment was made, shall be required to provide all the KYC details, updated bank account details including cancelled original cheque leaf of the new account. No further transactions shall be allowed till the status of the minor is changed to major. d. AMCs shall build a system control at the account set up stage of Systematic Investment Plan (SIP), Systematic Transfer Plan (STP) and Systematic Withdrawal Plan (SWP) on the basis of which, the standing instruction is suspended when the minor attains majority, till the status is changed to major. Please refer SAI for detailed process on investments made in the name of a Minor through a Guardian and Transmission of Units. 47III. Other Details A. In case of Fund of Funds Scheme, Details of Benchmark, Investment Objective, Investment Strategy, TER, AUM, Year wise performance, Top 10 Holding/ link to Top 10 holding of the underlying fund should be provided - NA B. Periodic Disclosures such as Half yearly disclosures, half yearly results, annual report Monthly / Half - Yearly The Mutual Fund and AMC shall publish the Scheme Portfolio within ten Portfolio Disclosures days from the close of month. Mutual Fund / AMC shall disclose portfolio (along with ISIN) as on the last day of the month / half year of the scheme This is a list of securities where on its website https://www.growwmf.in/statutory-disclosure/portfolio and the corpus of the Scheme is https://www.growwmf.in/financials/half-yearly-unaudited on the website currently invested. The market of AMFI within 10 days from the close of each month / half year value of these investments is respectively in a downloadable spreadsheet format. also stated in portfolio disclosures. Half -Yearly Financial Results The Mutual Fund and AMC shall within one month from the close of each half year i.e. 31st March and on 30th September, host a soft copy of its unaudited financial results on their website. The Mutual Fund and AMC shall publish an advertisement disclosing the hosting of such financial results on their website, in atleast 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. It will also be displayed on the website of the AMC https://www.growwmf.in/financials/half-yearly-unaudited and AMFI www.amfiindia.com Annual Report The Scheme wise annual report or an abridged summary thereof shall be mailed (emailed, where e-mail id is provided unless otherwise required) to all Unit holders not later than four months (or such other period as may be specified by SEBI from time to time) from the date of closure of the relevant accounting year (i.e. 31st March each year) and full annual report shall be available for inspection at the Head Office of the Mutual Fund and a copy shall be made available to the Unit holders on request on payment of nominal fees, if any. Scheme wise annual report shall also be displayed on the website of the AMC https://www.growwmf.in/financials/scheme-financials and Association of Mutual Funds in India www.amfiindia.com C. Transparency/NAV Disclosure (Details with reference to information given in Section I) The AMC will calculate and disclose the first NAV of the Scheme within a period of 5 business days Consolid from the date of allotment. Subsequently the AMC will calculate and disclose the NAVs for all ated Business Days. The Asset Management Company (“AMC”) shall update the NAVs on the website of Std Obs. Association of Mutual Funds in India (“AMFI”) (www.amfiindia.com) by 11.00 p.m. every Business & 41 Day. The NAV shall also be available on AMC website (https://www.growwmf.in/nav). If the NAVs are not available before the commencement of business hours on the following day due to any reason, the Mutual Fund shall issue a press release giving reasons and explaining when the Mutual Fund would be able to publish the NAV. 48D. Transaction Charges Transaction charges shall not be deducted. Applicability of Stamp Duty : Pursuant to Notification No. S. O. 1226 (E) and G.S.R 226(E) dated March 30, 2020 issued by Department of Revenue, Ministry of Finance, Government of India, read with Part I of Chapter IV of Notification dated February 21, 2019 issued by Legislative Department, Ministry of Law and Justice, Government of India on the Finance Act, 2019, a stamp duty @ 0.005% of the transaction value shall be levied on applicable mutual fund transactions. Accordingly, pursuant to levy of stamp duty, the number of units allotted on purchase transactions to the unitholders would be reduced to that extent. The stamp duty will be deducted from the net investment amount i.e. gross investment amount less any other deduction like transaction charge. Units will be created only for the balance amount i.e. Net Investment Amount as reduced by the stamp duty. The stamp duty will be computed at the rate of 0.005% on an inclusive method basis. For instance: If the transaction amount is Rs. 100100 /- and the transaction charge is Rs. 100, the stamp duty will be calculated as follows: ((Transaction Amount – Transaction Charge) *0.005%) = Rs.5. If the applicable Net Asset Value (NAV) is Rs. 10 per unit, then units allotted will be calculated as follows: (Transaction Amount – Transaction Charge – Stamp Duty)/ Applicable NAV = 9,999.50 units. For details please refer SAI. E. Associate Transactions- Please refer to Statement of Additional Information (SAI) F. Taxation- Taxation- Taxation- For details on taxation please refer to the clause on Taxation in the SAI apart from the following: Particulars Resident Non-Resident Mutual Investors Investors Fund Dividend TDS* 10% (if dividend income 20%+ applicable NIL exceeds INR 10,000 in a Surcharge + 4% Cess2 financial year) Tax Rates Individual/HUF: Income tax 20%+ rate applicable to the applicable Unitholders as per their Surcharge + income slabs Domestic 4% Company: 30% + Surcharge Cess2 as applicable + 4% Cess2 NIL 25%3 +Surcharge as applicable + 4% Cess2 22%4 + 10% Surcharge4 + 4% Cess2 15%4 + 10%Surcharge4 + 4% Cess2 Capital Gains 1 5 7 49Short Term Individual/HUF: Income Non-resident (other than (irrespective of period tax rate applicable to the Foreign Company) of holding) Unitholders as per their Income tax rate applicable income slabs to the Domestic Company: 30% + Unitholders as per their Surcharge as applicable + income slabs NIL 4% Cess2 25% +Surcharge Foreign Company: 35% + as applicable + 4% Cess2 Surcharge as applicable + 22% + 10% Surcharge + 4% 4% Cess2 Cess2 15% + 10% Surcharge + 4% Cess2 G. Rights of Unitholders- Please refer to SAI for details. H. List of official points of acceptance: Please refer https://www.growwmf.in/downloads/sid for a complete list of Official points of acceptance. Consolid ated I. Penalties, Pending Litigation or Proceedings, findings of inspections or investigations for which action may have Std Obs. been taken or is in the process of being taken by any regulatory authority 48 & 49 & SO 22 The said information has been disclosed in good faith as per the information available to the AMC https://www.growwmf.in/downloads/penalties-&-pending-litigation Notwithstanding anything contained in this Scheme Information Document, the provisions of the Consolid SEBI (Mutual Funds) Regulations, 1996 and the guidelines there under shall be applicable. ated Std Obs. The Scheme under this Scheme Information Document was approved by the Board of Directors of Groww 57 & 24 Trustee Limited of Groww Mutual Fund on August 08, 2025. The Board of Directors of Groww Trustee Limited has ensured that the Scheme is a new product offered by Groww Mutual Fund and is not a minor modification of its existing schemes. The Scheme Information Document is an updated version of the same in line with the current laws/ regulations and other developments. For and on behalf of the Board of Directors of Groww Asset Management Ltd. Sd/- Varun Gupta CEO Date: August 11, 2025 Place: Mumbai 50Name of Registrar: KFin Technologies Ltd. Selenium,Tower B, Plot number 31 & 32, Financial District, Nanakramguda, Serilingampally Mandal, Hyderabad- 500 032 Contact Number - 1800-309-4034 Email Id - investorsupport.mfs@kfintech.com, Website Address - www.kfintech.com LIST OF COLLECTION CENTRES AMC Investor Service Centres: 1. Lower Parel: 505 – 5th Floor, Tower 2B, One World Centre, Near Prabhadevi Railway Station, Lower Parel, Mumbai – 400013, Maharashtra, Tele-+91 22 69744435 2. Ghatkopar: Office no. 601, Sixth Floor, Wing A, Integrated Arcade, Corner of Dharamshi Lane and R.B. Mehta Marg, Ghatkopar (East), Mumbai – 400077, Maharashtra Customer Support Email Id – support@growwmf.in Customer Support Number - 80501 80222 Time stamping branch MFCentral: With effect from September 24, 2021 MFCentral has been designated as Official point of acceptance of Groww Mutual Fund. The same can be accessed using https://mfcentral.com/ Any registered user of MFCentral, requiring submission of physical document as per the requirements of MFCentral, may do so at any of the designated Investor Service Centres or collection centres of KFIN or CAMS. Name of RTA- KFin Technologies Ltd Contact details: 1800-309-4034 Website: www.kfintech.com Investor Service Centres: KFin Technologies Ltd Sr Branch Name State Address Kfin Technologies Ltd No 35 Puttanna Road 1 Bangalore Karnataka Basavanagudi Bangalore 560004 Kfin Technologies Ltd Premises No.101 Cts No.1893 Shree Guru Darshani Tower Anandwadi Hindwadi 2 Belgaum Karnataka Belgaum 590011 Kfin Technologies Ltd Ground Floor 3Rd Office Near Womens College Road Beside Amruth Diagnostic 3 Bellary Karnataka Shanthi Archade Bellary 583103 Kfin Technologies Ltd D.No 162/6 1St Floor 3Rd Main P J Extension Davangere Taluk Davangere Manda 4 Davangere Karnataka Davangere 577002 Kfin Technologies Ltd H No 2-231 Krishna Complex 2Nd Floor Opp. Opp. Municipal Corporation Office 5 Gulbarga Karnataka Jagat Station Main Road Kalaburagi Gulbarga 585105 51Kfin Technologies Ltd Sas No: 490 Hemadri Arcade 2Nd Main Road Salgame Road Near Brahmins Boys 6 Hassan Karnataka Hostel Hassan 573201 Kfin Technologies Ltd R R Mahalaxmi Mansion Above Indusind Bank 2Nd Floor Desai Cross Pinto Road 7 Hubli Karnataka Hubballi 580029 Kfin Technologies Ltd Shop No - 305 Marian Paradise Plaza 3Rd Floor Bunts Hostel Road Mangalore - 8 Mangalore Karnataka 575003 Dakshina Kannada Karnataka Kfin Technologies Ltd Shop No 21 Osia Mall 1St Floor Near Ktc Bus Stand Sgdpa Market Complex Margao - 9 Margoa Goa 403601 Kfin Technologies Ltd No 2924 2Nd Floor 1St Main 10 Mysore Karnataka 5Th Cross Saraswathi Puram Mysore 570009 Kfin Technologies Ltd H. No: T-9 T-10 Affran Plaza 3Rd Floor Near Don Bosco High School Panjim 11 Panjim Goa 403001 Kfin Technologies Ltd Jayarama Nilaya 2Nd Corss 12 Shimoga Karnataka Mission Compound Shimoga 577201 Kfin Technologies Ltd Office No. 401 On 4Th Floor 13 Ahmedabad Gujarat Abc-I Off. C.G. Road - Ahmedabad 380009 Kfin Technologies Ltd B-42 Vaibhav Commercial Center Nr Tvs Down Town Shrow Room Grid Char 14 Anand Gujarat Rasta Anand 380001 Kfin Technologies Ltd 1St Floor 125 Kanha Capital Opp. Express Hotel R C Dutt Road Alkapuri Vadodara 15 Baroda Gujarat 390007 Kfin Technologies Ltd 123 Nexus Business Hub Near Gangotri Hotel B/S Rajeshwari Petroleum Makampur 16 Bharuch Gujarat Road Bharuch 392001 Kfin Technologies Ltd 303 Sterling Point Waghawadi 17 Bhavnagar Gujarat Road - Bhavnagar 364001 Kfin Technologies Ltd Shop # 12 Shree Ambica Arcade Plot # 300 Ward 12. Opp. Cg High School Near 18 Gandhidham Gujarat Hdfc Bank Gandhidham 370201 Kfin Technologies Ltd 138 - Suyesh solitaire, Nr. Podar International School, Kudasan, Gandhinagar-382421 19 Gandhinagar Gujarat Gujarat Kfin Technologies Ltd 131 Madhav Plazza Opp Sbi 20 Jamnagar Gujarat Bank Nr Lal Bunglow Jamnagar 361008 Kfin Technologies Ltd Shop No. 201 2Nd Floor V- Arcade Complex Near Vanzari Chowk M.G. Road 21 Junagadh Gujarat Junagadh 362001 Kfin Technologies Ltd Ff-21 Someshwar Shopping 22 Mehsana Gujarat Mall Modhera Char Rasta - Mehsana 384002 Kfin Technologies Ltd 311-3Rd Floor City Center Near 23 Nadiad Gujarat Paras Circle - Nadiad 387001 Kfin Technologies Ltd 103 1St Floore Landmark Mall 24 Navsari Gujarat Near Sayaji Library Navsari Gujarat Navsari 396445 52Kfin Technologies Ltd 302 Metro Plaza Near Moti 25 Rajkot Gujarat Tanki Chowk Rajkot Rajkot Gujarat 360001 Kfin Technologies Ltd Ground Floor Empire State 26 Surat Gujarat Building Near Udhna Darwaja Ring Road Surat 395002 Kfin Technologies Ltd 406 Dreamland Arcade Opp 27 Valsad Gujarat Jade Blue Tithal Road Valsad 396001 Kfin Technologies Ltd A-8 Second Floor Solitaire Business Centre Opp Dcb Bank Gidc Char Rasta 28 Vapi Gujarat Silvassa Road Vapi 396191 Kfin Technologies Ltd 9Th Floor Capital Towers 180 Kodambakkam High Road Nungambakkam | Chennai – 29 Chennai Tamil Nadu 600 034 Kfin Technologies Ltd Second Floor Manimuriyil 30 Calicut Kerala Centre Bank Road Kasaba Village Calicut 673001 Kfin Technologies Ltd Door No:61/2784 Second floor Sreelakshmi Tower Chittoor Road, Ravipuram 31 Cochin Kerala Ernakulam-Kerala-682015 Kfin Technologies Ltd 2Nd Floor Global Village Bank 32 Kannur Kerala Road Kannur 670001 Kfin Technologies Ltd Sree Vigneswara Bhavan 33 Kollam Kerala Shastri Junction Kollam - 691001 Kfin Technologies Ltd 1St Floor Csiascension Square Railway Station Road Collectorate P O Kottayam 34 Kottayam Kerala 686002 Kfin Technologies Ltd No: 20 & 21 Metro Complex 35 Palghat Kerala H.P.O.Road Palakkad H.P.O.Road Palakkad 678001 Kfin Technologies Ltd 2Nd Floorerinjery Complex 36 Tiruvalla Kerala Ramanchira Opp Axis Bank Thiruvalla 689107 Kfin Technologies Ltd 4Th Floor Crown Tower Shakthan Nagar Opp. Head Post Office Thrissur 37 Trichur Kerala 680001 Kfin Technologies Ltd, 3rdFloor, No- 3B TC-82/3417, CAPITOL CENTER, OPP SECRETARIAT, MG 38 Trivandrum Kerala ROAD, TRIVANDRUM- 695001 Kfin Technologies Ltd 3Rd Floor Jaya Enclave 1057 39 Coimbatore Tamil Nadu Avinashi Road - Coimbatore 641018 Kfin Technologies Ltd Address No 38/1 Ground Floor Sathy Road (Vctv Main Road) Sorna Krishna Complex 40 Erode Tamil Nadu Erode 638003 Kfin Technologies Ltd No 88/11 Bb Plaza Nrmp Street 41 Karur Tamil Nadu K S Mess Back Side Karur 639002 Kfin Technologies Ltd No. G-16/17 Ar Plaza 1St Floor 42 Madurai Tamil Nadu North Veli Street Madurai 625001 Kfin Technologies Ltd Hno 45 1St Floor East Car 43 Nagerkoil Tamil Nadu Street Nagercoil 629001 Kfin Technologies Ltd No 122(10B) Muthumariamman 44 Pondicherry Pondicherry Koil Street - Pondicherry 605001 Kfin Technologies Ltd No.6 Ns Complex Omalur Main 45 Salem Tamil Nadu Road Salem 636009 53Kfin Technologies Ltd 55/18 Jeney Building 2Nd Floor S N Road Near Aravind Eye Hospital Tirunelveli 46 Tirunelveli Tamil Nadu 627001 Kfin Technologies Ltd No 23C/1 E V R Road Near Vekkaliamman Kalyana Mandapam Putthur - Trichy 47 Trichy Tamil Nadu 620017 Kfin Technologies Ltd 4 - B A34 - A37 Mangalmal Mani Nagar Opp. Rajaji Park Palayamkottai Road 48 Tuticorin Tamil Nadu Tuticorin 628003 Kfin Technologies Ltd No 2/19 1St Floor Vellore City 49 Vellore Tamil Nadu Centre Anna Salai Vellore 632001 Kfin Technologies Ltd Ols Rms Chowmuhani Mantri Bari Road 1St Floor Near Jana Sevak Saloon Building 50 Agartala Tripura Traffic Point Tripura West Agartala 799001 Kfin Technologies Ltd Ganapati Enclave 4Th Floor Opposite Bora Service Ullubari Guwahati Assam 51 Guwahati Assam 781007 Kfin Technologies Ltd Annex Mani Bhawan Lower 52 Shillong Meghalaya Thana Road Near R K M Lp School Shillong 793001 Kfin Technologies Ltd N.N. Dutta Road Chowchakra 53 Silchar Assam Complex Premtala Silchar 788001 Kfin Technologies Ltd. #13/4 Vishnupriya Complex Beside Sbi Bank Near Tower Clock Ananthapur- 54 Ananthapur Andhra Pradesh 515001. Kfin Technologies Ltd 2Nd Shatter 1St Floor Hno. 6- 55 Guntur Andhra Pradesh 14-48 14/2 Lane Arundal Pet Guntur 522002 KFin Technologies Limited, 2nd floor JBS Station, Lower Concourse 1, Situated in Jubilee Bus Metro 56 Hyderabad Telangana Station, Secunderabad 500009 Kfin Technologies Ltd 2Nd Shutterhno. 7-2-607 Sri 57 Karimnagar Telangana Matha Complex Mankammathota - Karimnagar 505001 Kfin Technologies Ltd Shop No:47 2Nd Floor S 58 Kurnool Andhra Pradesh Komda Shoping Mall Kurnool 518001 Kfin Technologies Ltd Shop No.4 Santakripa Market G 59 Nanded Maharashtra G Road Opp.Bank Of India Nanded 431601 Kfin Technologies Limited, D.No: 6-7-7, Sri Venkata Satya Nilayam,1st Floor, Vadrevu vari Veedhi, T - 60 Rajahmundry Andhra Pradesh Nagar, Rajahmundry AP- 533101 Kfin Technologies Ltd Shop No 106. Krishna Complex 61 Solapur Maharashtra 477 Dakshin Kasaba Datta Chowk Solapur-413007 Kfin Technologies Ltd D No 158, Shop No # 3, Kaki Street, Opp Tulasi Das Hospital, CB Road, Srikakulam 62 Srikakulam Andhra Pradesh Andhra Pradesh - 532001 Kfin Technologies Ltd Shop No:18-1-421/F1 City Center K.T.Road Airtel Backside Office Tirupathi - 63 Tirupathi Andhra Pradesh 517501 Kfin Technologies Ltd Hno26-23 1St Floor Sundarammastreet Gandhinagar Krishna Vijayawada 64 Vijayawada Andhra Pradesh 520010 54Kfin Technologies Ltd Dno : 48-10-40 Ground Floor Surya Ratna Arcade Srinagar Opp Roadto Lalitha Jeweller Showroom Beside Taj Hotel Ladge 65 Visakhapatnam Andhra Pradesh Visakhapatnam 530016 Kfin Technologies Ltd Shop No22 Ground Floor Warangal City Center 15-1-237 Mulugu Road Junction 66 Warangal Telangana Warangal 506002 Kfin Technologies Ltd 11-4-3/3 Shop No. S-9 1St Floor Srivenkata Sairam Arcade Old Cpi Office Near 67 Khammam Telangana Priyadarshini Collegenehru Nagar Khammam 507002 Kfin Technologies Ltd Selenium Plot No: 31 & 32 Tower B Survey No.115/22 115/24 115/25 Financial District Gachibowli Nanakramguda Serilimgampally 68 Hyderabad(Gachibowli) Telangana Mandal Hyderabad 500032 Kfin Technologies Ltd Shop No 25 Ground Floor Yamuna Tarang Complex Murtizapur Road N.H. No- 6 69 Akola Maharashtra Opp Radhakrishna Talkies Akola 444001 Maharashthra Kfin Technologies Ltd Shop No. 21 2Nd Floor Gulshan Tower Near Panchsheel Talkies Jaistambh Square 70 Amaravathi Maharashtra Amaravathi 444601 Kfin Technologies Ltd Shop No B 38 Motiwala Trade 71 Aurangabad Maharashtra Center Nirala Bazar Aurangabad 431001 Kfin Technologies Ltd Sf-13 Gurukripa Plaza Plot No. 48A Opposite City Hospital Zone-2 M P Nagar Bhopal 72 Bhopal Madhya Pradesh 462011 Kfin Technologies Ltd Ground Floor Ideal Laundry Lane No 4 Khol Galli Near Muthoot Finance Opp 73 Dhule Maharashtra Bhavasar General Store Dhule 424001 Kfin Technologies Ltd. 101 Diamond Trade Center 3-4 Diamond Colony New Palasia Above Khurana Bakery 74 Indore Madhya Pradesh Indore - 452001 Kfin Technologies Ltd 2Nd Floor 290/1 (615-New) 75 Jabalpur Madhya Pradesh Near Bhavartal Garden Jabalpur - 482001 Kfin Technologies Ltd 3Rd Floor 269 Jaee Plaza 76 Jalgaon Maharashtra Baliram Peth Near Kishore Agencies Jalgaon 425001 Kfin Technologies Ltd Plot No. 2 Block No. B / 1 & 2 Shree Apratment Khare Town Mata Mandir Road 77 Nagpur Maharashtra Dharampeth Nagpur 440010 Kfin Technologies Ltd S-9 Second Floor Suyojit 78 Nasik Maharashtra Sankul Sharanpur Road Nasik 422002 Kfin Technologies Ltd Ii Floor Above Shiva Kanch 79 Sagar Madhya Pradesh Mandir. 5 Civil Lines Sagar Sagar 470002 Kfin Technologies Ltd Heritage Shop No. 227 87 Vishvavidhyalaya Marg Station Road Near Icici Bank 80 Ujjain Madhya Pradesh Above Vishal Megha Mart Ujjain 456001 Kfin Technologies Ltd 112/N G. T. Road Bhanga Pachil G.T Road Asansol Pin: 713 303; Paschim 81 Asansol West Bengal Bardhaman West Bengal Asansol 713303 Kfin Technologies Ltd 1-B. 1St Floor Kalinga Hotel 82 Balasore Orissa Lane Baleshwar Baleshwar Sadar Balasore 756001 55Kfin Technologies Ltd Plot Nos- 80/1/Anatunchati Mahalla 3Rd Floor Ward No-24 Opposite P.C Chandra 83 Bankura West Bengal Bankura Town Bankura 722101 Kfin Technologies Ltd Opp Divya Nandan Kalyan Mandap 3Rd Lane Dharam Nagar Near Lohiya Motor 84 Berhampur (Or) Orissa Berhampur (Or) 760001 Kfin Technologies Ltd Office No.2 1St Floor Plot No. 85 Bhilai Chatisgarh 9/6 Nehru Nagar [East] Bhilai 490020 Kfin Technologies Ltd A/181 Back Side Of Shivam Honda Show Room Saheed Nagar - Bhubaneswar 86 Bhubaneswar Orissa 751007 Kfin Technologies Ltd Shop.No.306 3Rd Floor Anandam Plaza Vyapar Vihar Main Road Bilaspur 87 Bilaspur Chatisgarh 495001 Kfin Technologies Ltd City Centre Plot No. He-07 88 Bokaro Jharkhand Sector-Iv Bokaro Steel City Bokaro 827004 Kfin Technologies Ltd Saluja Complex; 846 Laxmipur G T Road Burdwan; Ps: Burdwan & Dist: Burdwan- 89 Burdwan West Bengal East Pin: 713101 Kfin Technologies Ltd No : 96 Po: Chinsurah Doctors 90 Chinsura West Bengal Lane Chinsurah 712101 Kfin Technologies Ltd Shop No-45 2Nd Floor Netaji Subas Bose Arcade (Big Bazar Building) Adjusent To 91 Cuttack Orissa Reliance Trends Dargha Bazar Cuttack 753001 Kfin Technologies Ltd 208 New Market 2Nd Floor 92 Dhanbad Jharkhand Bank More - Dhanbad 826001 Kfin Technologies Ltd Mwav-16 Bengal Ambuja 2Nd Floor City Centre Distt. Burdwan Durgapur-16 93 Durgapur West Bengal Durgapur 713216 Kfin Technologies Ltd Property No. 711045129 Ground Floorhotel Skylark Swaraipuri Road - Gaya 94 Gaya Bihar 823001 Kfin Technologies Ltd D B C Road Opp Nirala Hotel 95 Jalpaiguri West Bengal Opp Nirala Hotel Opp Nirala Hotel Jalpaiguri 735101 Kfin Technologies Ltd Madhukunj 3Rd Floor Q Road 96 Jamshedpur Jharkhand Sakchi Bistupur East Singhbhum Jamshedpur 831001 Kfin Technologies Ltd Holding No 254/220 Sbi Building Malancha Road Ward No.16 Po: Kharagpur Ps: Kharagpur Dist: Paschim Medinipur Kharagpur 97 Kharagpur West Bengal 721304 Kfin Technologies Ltd 2/1 Russel Street 4Thfloor 98 Kolkata West Bengal Kankaria Centre Kolkata 70001 Wb Kfin Technologies Ltd Ram Krishna Pally; Ground 99 Malda West Bengal Floor English Bazar - Malda 732101 Kfin Technologies Ltd, Flat No.- 102, 2BHK Maa 100 Patna Bihar Bhawani Shardalay, Exhibition Road, Patna-800001 Kfin Technologies Ltd Office No S-13 Second Floor 101 Raipur Chatisgarh Reheja Tower Fafadih Chowk Jail Road Raipur 492001 56Kfin Technologies Ltd Room no 103, 1st Floor, Commerce Tower,Beside Mahabir Tower,Main Road, 102 Ranchi Jharkhand Ranchi -834001 Kfin Technologies Ltd 2Nd Floor Main Road Udit 103 Rourkela Orissa Nagar Sundargarh Rourekla 769012 Kfin Technologies Ltd First Floor; Shop No. 219 Sahej 104 Sambalpur Orissa Plaza Golebazar; Sambalpur Sambalpur 768001 Kfin Technologies Ltd Nanak Complex 2Nd Floor 105 Siliguri West Bengal Sevoke Road - Siliguri 734001 Kfin Technologies Ltd House No. 17/2/4 2Nd Floor Deepak Wasan Plaza Behind Hotel Holiday Inn Sanjay 106 Agra Uttar Pradesh Place Agra 282002 Kfin Technologies Ltd 1St Floor Sevti Complex Near 107 Aligarh Uttar Pradesh Jain Temple Samad Road Aligarh-202001 KFin Technologies Limited Shop No. TF-9, 3rd Floor Vinayak Vrindavan Tower, Built Over H.NO.34/26 Tashkent Marg, Civil Station, Allahabad (now 108 Allahabad Uttar Pradesh Prayagraj)Uttar Pradesh, Pin Code: 211001 Kfin Technologies Ltd 6349 2Nd Floor Nicholson Road Adjacent Kos Hospitalambala Cant Ambala 109 Ambala Haryana 133001 KFin Technologies Ltd Shop no. 18 Gr. Floor, Nagarpalika, Infront of Tresery office, Azamgarh, UP- 110 Azamgarh Uttar Pradesh 276001 Kfin Technologies Ltd 1St Floorrear Sidea -Square Building 54-Civil Lines Ayub Khan Chauraha Bareilly 111 Bareilly Uttar Pradesh 243001 KFin Technologies Limited, SRI RAM MARKET, KALI ASTHAN CHOWK, MATIHANI ROAD, 112 Begusarai Bihar BEGUSARAI, BIHAR - 851101 Kfin Technologies Ltd 2Nd Floor Chandralok Complexghantaghar Radha Rani Sinha Road Bhagalpur 113 Bhagalpur Bihar 812001 KFin Technologies Limited, H No-185, Ward No-13, National Statistical office Campus, Kathalbari, Bhandar 114 Darbhanga Bihar Chowk , Darbhanga, Bihar - 846004 Kfin Technologies Ltd Shop No-809/799 Street No-2 A Rajendra Nagar Near Sheesha Lounge Kaulagarh Road 115 Dehradun Uttaranchal Dehradun-248001 Kfin Technologies Ltd K. K. Plaza Above Apurwa 116 Deoria Uttar pradesh Sweets Civil Lines Road Deoria 274001 Kfin Technologies Ltd A-2B 2Nd Floor Neelam Bata Road Peer Ki Mazar Nehru Groundnit Faridabad 117 Faridabad Haryana 121001 Kfin Technologies Ltd Ff - 31 Konark Building 118 Ghaziabad Uttar Pradesh Rajnagar - Ghaziabad 201001 Kfin Technologies Ltd House No. 148/19 Mahua Bagh 119 Ghazipur Uttar Pradesh Raini Katra- Ghazipur 233001 Kfin Technologies Ltd H No 782 Shiv Sadan Iti Road 120 Gonda Uttar Pradesh Near Raghukul Vidyapeeth Civil Lines Gonda 271001 57Kfin Technologies Ltd Shop No 8 & 9 4Th Floor Cross 121 Gorakhpur Uttar Pradesh Road The Mall Bank Road Gorakhpur - 273001 Kfin Technologies Ltd No: 212A 2Nd Floor Vipul 122 Gurgaon Haryana Agora M. G. Road - Gurgaon 122001 Kfin Technologies Ltd City Centre Near Axis Bank - 123 Gwalior Madhya Pradesh Gwalior 474011 Kfin Technologies Ltd Shoop No 5 Kmvn Shoping 124 Haldwani Uttaranchal Complex - Haldwani 263139 Kfin Technologies Ltd Shop No. - 17 Bhatia Complex 125 Haridwar Uttaranchal Near Jamuna Palace Haridwar 249410 Kfin Technologies Ltd Shop No. 20 Ground Floor R D 126 Hissar Haryana City Centre Railway Road Hissar 125001 Kfin Technologies Ltd 1St Floor Puja Tower Near 48 127 Jhansi Uttar Pradesh Chambers Elite Crossing Jhansi 284001 Kfin Technologies Ltd 15/46 B Ground Floor Opp : 128 Kanpur Uttar Pradesh Muir Mills Civil Lines Kanpur 208001 Kfin Technologies Ltd Ist Floor A. A. Complex 5 Park 129 Lucknow Uttar Pradesh Road Hazratganj Thaper House Lucknow 226001 Himachal Kfin Technologies Ltd House No. 99/11 3Rd Floor 130 Mandi Pradesh Opposite Gss Boy School School Bazar Mandi 175001 Kfin Technologies Ltd Shop No. 9 Ground Floor Vihari Lal Plaza Opposite Brijwasi Centrum Near New 131 Mathura Uttar Pradesh Bus Stand Mathura 281001 Kfin Technologies Ltd Shop No:- 111 First Floor Shivam Plaza Near Canara Bank Opposite Eves Petrol 132 Meerut Uttar Pradesh Pump Meerut-250001 Uttar Pradesh India KFin Technologies Limited, Second Floor, Triveni 133 Mirzapur Uttar Pradesh Campus| Ratanganj, Mirzapur, Uttar Pradesh, 231001 Kfin Technologies Ltd Chadha Complex G. M. D. 134 Moradabad Uttar Pradesh Road Near Tadi Khana Chowk Moradabad 244001 Kfin Technologies Ltd House No. Hig 959 Near Court Front Of Dr. Lal Lab Old Housing Board Colony 135 Morena Madhya Pradesh Morena 476001 Kfin Technologies Ltd First Floor Saroj Complex Diwam Road Near Kalyani Chowk Muzaffarpur 136 Muzaffarpur Bihar 842001 Kfin Technologies Ltd F-21 2Nd Floor Near Kalyan 137 Noida Uttar Pradesh Jewelers Sector-18 Noida 201301 KFin Technologies Ltd Shop No. 20 1St Floor Bmk Market Behind Hive Hotel G.T.Road Panipat-132103 138 Panipat Haryana Haryana Kfin Technologies Ltd C/O Mallick Medical Store Bangali Katra Main Road Dist. Sonebhadra (U.P.) 139 Renukoot Uttar Pradesh Renukoot 231217 Kfin Technologies Ltd Shop No. 2 Shree Sai Anmol Complex Ground Floor Opp Teerth Memorial Hospital 140 Rewa Madhya Pradesh Rewa 486001 Kfin Technologies Ltd Office No:- 61 First Floor 141 Rohtak Haryana Ashoka Plaza Delhi Road Rohtak 124001. 58KFin Technologies Ltd Near Shri Dwarkadhish Dharm 142 Roorkee Uttaranchal Shala, Ramnagar, Roorkee-247667 Kfin Technologies Ltd 1St Floor Gopal Complex Near 143 Satna Madhya Pradesh Bus Stand Rewa Roa Satna 485001 Himachal Kfin Technologies Ltd 1St Floor Hills View Complex 144 Shimla Pradesh Near Tara Hall Shimla 171001 Kfin Technologies Ltd A. B. Road In Front Of 145 Shivpuri Madhya Pradesh Sawarkar Park Near Hotel Vanasthali Shivpuri 473551 Kfin Technologies Ltd 12/12 Surya Complex Station 146 Sitapur Uttar Pradesh Road Uttar Pradesh Sitapur 261001 Himachal Kfin Technologies Ltd Disha Complex 1St Floor 147 Solan Pradesh Above Axis Bank Rajgarh Road Solan 173212 Kfin Technologies Ltd Shop No. 205 Pp Tower Opp 148 Sonepat Haryana Income Tax Office Subhash Chowk Sonepat. 131001. Kfin Technologies Ltd 1St Floor Ramashanker Market 149 Sultanpur Uttar Pradesh Civil Line - Sultanpur 228001 KFin Technologies Ltd D.64 / 52, G – 4 Arihant Complex , Second Floor ,Madhopur, Shivpurva Sigra 150 Varanasi Uttar Pradesh ,Near Petrol Pump Varanasi -221010 Kfin Technologies Ltd B-V 185/A 2Nd Floor Jagadri Road Near Dav Girls College (Uco Bank Building) 151 Yamuna Nagar Haryana Pyara Chowk - Yamuna Nagar 135001 Kfin Technologies Ltd 605/1/4 E Ward Shahupuri 2Nd Lane Laxmi Niwas Near Sultane Chambers Kolhapur 152 Kolhapur Maharashtra 416001 Kfin Technologies Ltd 6/8 Ground Floor Crossley House Near Bse ( Bombay Stock Exchange)Next 153 Mumbai Maharashtra Union Bank Fort Mumbai - 400 001 Kfin Technologies Ltd Office # 207-210 Second Floor Kamla Arcade Jm Road. Opposite Balgandharva 154 Pune Maharashtra Shivaji Nagar Pune 411005 Kfin Technologies Limited, Haware Infotech Park 902, 9th Floor, Plot No 39/03, Sector 30A, Opp Inorbit Mall, 155 Vashi Maharashtra Vashi Navi Mumbai 400703 Kfin Technologies Ltd Office No 103, 1st Floor, MTR Cabin-1, Vertex, Navkar Complex M .V .Road, 156 Andheri Maharashtra Andheri East , Opp Andheri Court, Mumbai - 400069 Kfin Technologies Ltd Gomati Smutiground Floor Jambli Gully Near Railway Station Borivali Mumbai 157 Borivali Maharashtra 400 092 Kfin Technologies Ltd Room No. 302 3Rd Floorganga Prasad Near Rbl Bank Ltd Ram Maruti Cross 158 Thane Maharashtra Roadnaupada Thane West Mumbai 400602 KFIN Technologies Ltd, Shop no. 2 3rd Floor, Above Raymond Shop, Opp City Power House, Hathi Bhata, 159 Ajmer Rajasthan Ajmer-305001 Kfin Technologies Ltd Office Number 137 First Floor 160 Alwar Rajasthan Jai Complex Road No-2 Alwar 301001 59Kfin Technologies Ltd Sco 5 2Nd Floor District 161 Amritsar Punjab Shopping Complex Ranjit Avenue Amritsar 143001 Kfin Technologies Ltd Mcb -Z-3-01043 2 Floor Goniana Road Opporite Nippon India Mf Gt Road Near 162 Bhatinda Punjab Hanuman Chowk Bhatinda 151001 Kfin Technologies Ltd Office No. 14 B Prem Bhawan Pur Road Gandhi Nagar Near Canarabank Bhilwara 163 Bhilwara Rajasthan 311001 KFin Technologies Limited H.No. 10, Himtasar House, 164 Bikaner Rajasthan Museum circle, Civil line, Bikaner, Rajasthan - 334001 Kfin Technologies Ltd First Floor Sco 2469-70 Sec. 165 Chandigarh Union Territory 22-C - Chandigarh 160022 Kfin Technologies Ltd The Mall Road Chawla Bulding Ist Floor Opp. Centrail Jail Near Hanuman Mandir 166 Ferozpur Punjab Ferozepur 152002 Kfin Technologies Ltd Unit # Sf-6 The Mall Complex 2Nd Floor Opposite Kapila Hospital Sutheri Road 167 Hoshiarpur Punjab Hoshiarpur 146001 Kfin Technologies Ltd Office No 101 1St Floor Okay Plus Tower Next To Kalyan Jewellers Government 168 Jaipur Rajasthan Hostel Circle Ajmer Road Jaipur 302001 Kfin Technologies Ltd Office No 7 3Rd Floor City Square Building E-H197 Civil Line Next To Kalyan 169 Jalandhar Punjab Jewellers Jalandhar 144001 Jammu & Kfin Technologies.Ltd 1D/D Extension 2 Valmiki 170 Jammu Kashmir Chowk Gandhi Nagar Jammu 180004 State - J&K Kfin Technologies Ltd Shop No. 6 Gang Tower G Floor Opposite Arora Moter Service Centre Near 171 Jodhpur Rajasthan Bombay Moter Circle Jodhpur 342003 Kfin Technologies Ltd 3 Randhir Colony Near Doctor 172 Karnal Haryana J.C.Bathla Hospital Karnal ( Haryana ) 132001 Kfin Technologies Ltd D-8 Shri Ram Complex Opposite Multi Purpose School Gumanpur Kota 173 Kota Rajasthan 324007 Kfin Technologies Ltd Sco 122 Second Floor Above Hdfc Mutual Fun Feroze Gandhi Market Ludhiana 174 Ludhiana Punjab 141001 Kfin Technologies Ltd 1St Floordutt Road Mandir Wali 175 Moga Punjab Gali Civil Lines Barat Ghar Moga 142001 Kfin Technologies Ltd 305 New Delhi House 27 176 New Delhi New Delhi Barakhamba Road - New Delhi 110001 Kfin Technologies Ltd 2Nd Floor Sahni Arcade Complex Adj.Indra Colony Gate Railway Road 177 Pathankot Punjab Pathankot Pathankot 145001 Kfin Technologies Ltd B- 17/423 Lower Mall Patiala 178 Patiala Punjab Opp Modi College Patiala 147001 Kfin Technologies Ltd First Floorsuper Tower Behind 179 Sikar Rajasthan Ram Mandir Near Taparya Bagichi - Sikar 332001 60Kfin Technologies Ltd Address Shop No. 5 Opposite Bihani Petrol Pump Nh - 15 Near Baba Ramdev 180 Sri Ganganagar Rajasthan Mandir Sri Ganganagar 335001 Kfin Technologies Ltd Shop No. 202 2Nd Floor Business Centre 1C Madhuvan Opp G P O Chetak 181 Udaipur Rajasthan Circle Udaipur 313001 Kfin Technologies Ltd Dno-23A-7-72/73K K S Plaza Munukutla Vari Street Opp Andhra Hospitals R R Peta 182 Eluru Andhra Pradesh Eluru 534002 Kfin Technologies Ltd C/o Global Financial Services,2nd Floor, Raghuwanshi Complex,Near Azad 183 chandrapur Maharashtra Garden, Chandrapur, Maharashtra-442402 Kfin Technologies Ltd 11/Platinum Mall, Jawahar 184 Ghatkopar Maharashtra Road, Ghatkopar (East), Mumbai 400077 Kfin Technologies Ltd G7, 465 A, Govind Park Satar 185 Satara Maharashtra Bazaar, Satara - 415001 KFin Technologies Limited, Above Shubham mobile & Home Appliances, 1st Floor, Tilak Road, Maliwada 186 Ahmednagar Maharashtra Ahmednagar, Maharashtra 414001 Kfin Technologies Ltd 24-6-326/1, Ibaco Building 4th Floor, Grand Truck road, Beside Hotel Minerva, 187 Nellore Andhra Pradesh Saraswathi Nagar, Dargamitta Nellore - 524003 KFin Technologies Limited Seasons Business Centre, 104 / 1st Floor, Shivaji Chowk, Opposite KDMC (Kalyan Dombivali Mahanagar Corporation) Kalyan - 188 Kalyan Maharashtra 421301 KFin Technologies Limited Office No.202, 2nd floor, 189 Korba Chatisgarh ICRC, QUBE, 97, T.P. Nagar, Korba -495677 KFin Technologies Limited 106 Rajaswa Colony, Near 190 Ratlam Madhya Pradesh Sailana Bus Stand, Ratlam (M.P.) 457001 KFin Technologies Limited 3rd Floor, Chirwapatty 191 Tinsukia Assam Road, Tinsukia-786125, Assam KFin Technologies Limited Ist Floor, Krishna Complex, Opp. Hathi Gate, Court Road, Saharanpur, 192 Saharanpur Uttar Pradesh Uttar Pradesh, Pincode 247001 KFin Technologies Limited Ground Floor,H No B- 7/27S, Kalyani, Kalyani HO, Nadia, West Bengal – 193 Kalyani West Bengal 741235 KFin Technologies Limited No.2/3-4. Sri Venkateswara Layout, Denkanikottai road, Dinnur 194 Hosur Tamil Nadu Hosur - 635109 SCSBs: Please visit the website www.sebi.gov.in for the list of SCSBs. You may also check with your bank for the ASBA facility. 61