Groww Multi Asset Allocation Fund

DRAFT SCHEME INFORMATION Consolidated DOCUMENT- SECTION I Std Obs.1 GROWW MULTI ASSET ALLOCATION FUND (An open-ended scheme investing in Equity, Debt, Commodities and in units of REITs & InvITs) Consolidated This product is suitable for Scheme Riskometer Benchmark Riskometer (as Std Obs.3 investors who are seeking*: applicable) Nifty 500 TRI (60%) CRISIL ● Investments in equity and Composite Bond Fund Index (30%) equity-related instruments, Domestic Gold Prices (5%) Debt & Money market Domestic Silver Prices (5%) instruments, Commodities and in units of REITs & InvITs ● Long-term capital growth Investor understand that their principal will be at Very High Risk *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. New Fund Offer Opens on: New Fund Offer Closes on: Scheme re-opens on: The 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 Name of Asset Management Company No.16/1 and 17/2, Ambalipura Village, Varthur Hobli, Bellandur, Bangalore South, Bangalore- 560103, Karnataka, India Tel: (011) 3025 2900; Groww Trustee Limited (CIN: U65991KA2008PLC183561) Registered Office: Vaishnavi Tech Park, South Tower, 3rd Floor, Survey Name of Trustee Company No.16/1 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 Corporate Office Station, 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 1issued 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 www.growwmf.in 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 June 02, 2025 2TABLE OF CONTENTS PAGE NO. SECTION I I. HIGHLIGHTS / SUMMARY OF THE SCHEME 4 II. INFORMATION ABOUT SCHEME 18 A. HOW WILL SCHEME ALLOCATE ITS ASSESTS 18 B. WHERE WILL THE SCHEME INVEST 21 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 25 H. ADDITIONAL SCHEME RELATED DISCLOSURES 25 III. OTHER DETAILS 26 A. COMPUTATION OF NAV 26 B. NEW FUND OFFER (NFO) EXPENSES 27 C. ANNUAL SCHEME RECURRING EXPENSES 27 D. LOAD STRUCTURE 31 SECTION II. 33 I. INTRODUCTION 33 A. DEFINITION & INTERPRETATION 33 B. RISK FACTORS 33 C. RISK MITIGATION STRATEGIES 38 II. INFORMATION ABOUT SCHEME 39 A. WHERE WILL THE SCHEME INVEST? 39 B. WHAT ARE THE INVESTMENT RESTRICTIONS? 39 C. FUNDAMENTAL ATTRIBUTES 47 D. INDEX METHODOLOGY (FOR INDEX FUNDS, ETFS AND FOFS HAVING ONE UNDERLYING DOMESTIC ETF) 48 E. PRINCIPLES OF INCENTIVE STRUCTURE FOR MARKET MAKERS (FOR ETFS) 48 F. FLOORS AND CEILING WITHIN A RANGE OF 5% OF THE INTENDED ALLOCATION AGAINST EACH SUB 48 CLASS OF ASSET G. OTHER SCHEME SPECIFIC DISCLOSURES 48 III. OTHER DETAILS 59 A. IN CASE OF FUND OF FUNDS SCHEME, DETAILS OF BENCHMARK, INVESTMENT OBJECTIVE, 59 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 59 REPORT C. TRANSPARENCY/NAV DISCLOSURE 59 D. TRANSACTION CHARGES AND STAMP DUTY 60 E. ASSOCIATE TRANSACTIONS 61 F. TAXATION 61 G. RIGHTS OF UNITHOLDERS 64 H. LIST OF OFFICIAL POINTS OF ACCEPTANCE 64 I. PENALTIES, PENDING LITIGATION OR PROCEEDINGS, FINDINGS OF INSPECTIONS OR INVESTIGATIONS 64 FOR WHICH ACTION MAY HAVE BEEN TAKEN OR IS IN THE PROCESS OF BEING TAKEN BY ANY REGULATORY AUTHORITY 3Part I. HIGHLIGHTS/SUMMARY OF THE SCHEME Sr. No. Title Description I. Name of the scheme Groww Multi Asset Allocation Fund II. Category of the Scheme Multi Asset Allocation Fund III. Scheme type An open-ended scheme investing in Equity, Debt, Commodities and in units of REITs & InvITs Consolidated IV. Scheme code (To be disclosed after obtaining scheme code) Std Obs.7 V. Investment objective To achieve long-term capital appreciation by predominantly investing in equity and equity-related instruments, Debt & Money market instruments, Commodities and in units of REITs & InvITs. However, Consolidated Std Obs.5 there can be 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 (MF) Regulations, the Mutual Fund shall dispatch redemption proceeds within 3 working Days 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. 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 Listing details 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 (Total Return • As per AMFI benchmark Index) Nifty 500 TRI (60%) CRISIL Composite Bond Fund Index (30%) Domestic Gold Prices (5%) Domestic Silver Prices (5%) The Trustees have adopted Nifty 500 TRI (60%) CRISIL Composite Bond Fund Index (30%) Domestic Gold Prices (5%) Domestic Silver Prices (5%) as the benchmark index. As per its investment objective, the investment would primarily be in Securities which are constituents of the benchmark index. Thus, the composition of the aforesaid benchmark index is such that it is most suited for comparing performance of the Scheme. The Trustees reserves right to change benchmark in future for measuring performance of the Scheme subject to SEBI Mutual Fund Regulations, 1996 and circulars issued by SEBI from time to time. The AMC / Trustee reserves the right to change / modify the benchmark by issuing an addendum. VIII. NAV disclosure The AMC shall update the NAVs on the website of the Mutual Fund https://www.growwmf.in/nav and on the website of AMFI www.amfiindia.com by 11.00 p.m. on every Business Day or by 09.00 a.m. on the following Business Day (In case the Scheme has exposure 4to Exchange Traded Commodity Derivatives (ETCDs)). Further Details in Section II. IX. Applicable timelines Timeline for Dispatch of redemption proceeds: The redemption or repurchase proceeds shall be 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 Plans/Options and sub common portfolio and separate NAVs. Investors should indicate the options under the Scheme Plan for which the subscription is made 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 Multi Asset Allocation 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: Sce Broker Code Plan Default Plan nari mentioned by mentioned to be o the investor by the captured 5investor 1. N ot mentioned Not Direct Plan mentioned 2. N ot mentioned Direct Direct Plan 3. N ot mentioned Regular Direct Plan Plan 4. M entioned Direct Direct Plan 5. D irect Not Direct Plan mentioned 6. D irect Regular Direct Plan Plan 7. M entioned Regular Regular Plan Plan 8. M entioned 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: Consolidated If redeemed within 30 days from the date of allotment: 1% Std Obs.47 If redeemed after 30 days from the date of allotment: NIL. For any change in load structure AMC will issue an addendum and display it on the website/Investor Service Centres. The Mutual Fund may charge the load within the stipulated limit of 5% and without any discrimination to any specific group. The Repurchase Price however, will not be lower than 95% of the NAV. 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 (MF) 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 MF ISCs’ and SO. 16 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. • 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. XII. Minimum Application During NFO: Rs. 500 and in multiples of Re. 1/-thereafter. Units will 6Amount/switch in be allotted in the whole figures and the balance amount will be refunded, Even if it is falls below the minimum amount. Additional Purchase - Minimum of Rs.500/- and in multiples of Re.1/- thereafter. For Daily & Weekly - Rs.100 and in multiples of Re1. For Monthly and Quarterly SIPs Minimum amount per installment - Rs. 500/- each and in multiples of Rs.1/- thereafter . XIII. Minimum Additional During NFO Period: Rs. 500 per application and in multiples of Re. 1 Purchase Amount thereafter. Units will be allotted in whole figures and the balance amount will be refunded. XIV. Minimum The minimum switch amount / redemption amount shall be Rs. 500 Consolid Redemption/switch out or ‘any number of units’ as requested by the investor at the time of the ated amount request. Std The Minimum Application and redemption amount mentioned above Obs.36 shall not be 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: This is the period during NFO closes on: which a new scheme sells Minimum duration to be 3 working days and will not be kept open Consolidated Std Obs.34 its units to the investors. for more than 15 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 This is the price per unit that the investors have to pay to invest during the NFO. Consolidated XVII. Segregated portfolio/side AMC may create segregated portfolio in the scheme. Std Obs.53 pocketing disclosure For details, kindly refer SAI XVIII Swing pricing disclosure Not applicable XIX. Stock lending/short selling Subject to SEBI (MF) Regulations, 1996 and in accordance with Clause 12.11 in SEBI Master Circular SEBI/HO/IMD/IMD-PoD- 1/P/CIR/2024/90 dated June 27, 2024 on Securities Lending Scheme, and framework for short selling and borrowing and lending of securities, the Scheme intends to engage in Stock Lending. For Details, kindly refer SAI XX. How to Apply and other Investors can subscribe for the Units of the Scheme by completing the details Application 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. 7XXI. 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. KFin 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 XXII Specific attribute of the Not Applicable. The Scheme is an open ended multi asset allocation scheme (such as lock in, fund duration in case of target maturity scheme/close ended schemes) (as 8applicable) XXIII Special product/facility Switching and Systematic Investment Plan are available during the available during the NFO NFO. and on ongoing basis The Special Products / Facilities available under the Scheme, are: i. Systematic Investment Plan [SIP] ii. Systematic Transfer Plan[STP] iii. Systematic Withdrawal Plan[SWP] iv. IDCW Sweep Facility v. Transactions by 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) xii. Daily SIP For further details of above special products / facilities, For Details, 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 - Daily – 180 instalments Weekly – 24 instalments Monthly - 12 instalments Quarterly – 4 instalments Frequency / Date: Daily - Every business day Weekly - 1, 8, 15 & 22 Monthly - Any day between 1st and 28th of the month Quarterly - Any day between 1st and 28th of the quarter (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 9clearing]; 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 Monthly - 12 instalments Quarterly - 4 instalments STP Dates: 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 10indicated) 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; Minimum No. of SWP instalments : monthly - 12 instalments [including the first SWP];Rs.1,500/- 4 for quarterly frequency 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. Unit 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 11amount 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), allow 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 Introduction of additional facility ‘K-TRACK’ for transaction in the units of Groww Mutual Fund towards additional purchase, redemption or switch: Investor may take note of additional facility for transaction in Groww Mutual Fund through K-TRACK; mobile application provided by KFin Technologies Limited Investors may execute additional purchase, redemption or switch transaction through K-TRACK mobile application. The AMC reserves the right to alter/ discontinue all / any of the abovementioned special facility (ies) at any point of time. Further, the AMC reserves the right to introduce more special facility (ies) at a later 12date subject to prevailing SEBI Guidelines and Regulations. 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. 2. Investors can create a CAN by submitting the CAN Registration Form (CRF) and necessary documents at the Point of Service (POS) of MFU. The AMC and/ or CAMS, Registrar and Transfer Agent (RTA) of the Fund shall provide necessary details to MFU 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 13are: (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. The 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. 14In 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. For 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. 15The 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. XXIV 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. Consolidated DUE DILIGENCE BY THE ASSET MANAGEMENT COMPANY Std Obs.55 It is confirmed that: i. The Scheme Information Document submitted to SEBI is in accordance with the SEBI (Mutual Funds) Regulations, 1996 and the guidelines and directives issued by SEBI from time to time. ii. All legal requirements connected with the launching of the Scheme as also the guidelines, instructions, etc., issued by the Government and any other competent authority in this behalf, have been duly complied with. iii. The disclosures made in the Scheme Information Document are true, fair and adequate to enable the investors to make a well informed decision regarding investment in the Scheme. 16iv. The intermediaries named in the Scheme Information Document and Statement of Additional Information are registered with SEBI and their registration is valid, as on date. v. The contents of the Scheme Information Document including figures, data, yields etc. have been checked and are factually correct vi. A confirmation that the AMC has complied with the compliance checklist applicable for Scheme Information Documents and other than cited deviations/ that there are no deviations from the regulations vii. Notwithstanding anything contained in this Scheme Information Document, the provisions of the SEBI (Mutual Funds) Regulations, 1996 and the guidelines there under shall be applicable. viii. The Trustees have ensured that Groww Multi Asset Allocation 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: June 02, 2025 Name: Hemal Zaveri Place: Mumbai Designation: Compliance Officer 17Part II. INFORMATION ABOUT THE SCHEME A. HOW WILL THE SCHEME ALLOCATE ITS ASSETS? Under normal circumstances, the asset allocation will be as follows: Instruments Indicative allocations (% of total assets) Risk Profile Minimum Maximum High/Medium/Low Equity & Equity related instruments 10% 80% Very High 10% 80% Debt & Money market instruments# Low to Medium Gold, Silver, Commodity ETFs, Exchange 10% 50% Traded Commodity Derivatives (ETCDs) Very High 0% 10% REITs and InvITs Very High Consolidated Std Obs.15 #Money Market instruments includes commercial papers, commercial bills, treasury bills, Tri-party repo, Government securities having an unexpired maturity up to one year, call or notice money, certificate of deposit, usance bills, and any other like instruments as specified by the Reserve Bank of India from time to time. The cumulative gross exposure through units of Equity & Equity Related Instruments, Debt and money market instruments, Commodities, Units issued by REITs and InvITs, repo in corporate debt securities and derivative positions (including ETCDs) should not exceed 100% of the net assets of the scheme. However, cash or cash equivalents with residual maturity of less than 91 days may be treated as not creating any exposure in line with Clause 12.25 in SEBI Master Circular SEBI/HO/IMD/IMD-PoD-1/P/CIR/2024/90 dated June 27, 2024. Further, SEBI vide letter dated November 3, 2021 has clarified that Cash Equivalent shall consist of Government Securities, T-Bills and Repo on Government Securities. The Scheme may also use various derivative and hedging products from time to time in a manner permitted by SEBI to reduce the risk of the portfolio as and when the fund manager is of the view that it is in the best interest of the unit holders. The exposure of the scheme to derivatives will be upto 50% of net assets. The Asset Allocation portion shall also include subscription and redemption cash flow which may be undeployed due to various reasons (dividend from underlying securities, rebalancing or balances for running cost of the scheme, residual amount due to execution on rounding off etc). Subject to SEBI (MF) Regulations, 1996 and in accordance with Clause 12.11 in SEBI Master Circular SEBI/HO/IMD/IMD-PoD-1/P/CIR/2024/90 dated June 27, 2024 on Securities Lending Scheme, and Consolidated framework for short selling and borrowing and lending of securities, the Scheme intends to engage in Stock Std Obs.13 Lending. In line with Para 4.5 of SEBI Master circular, 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. 18The Scheme shall adhere to the following limits should it engage in Stock Lending: (a) Not more than 20% of the net assets can generally be deployed in Stock Lending (b) Not more than 5% of the net assets can generally be deployed in Stock Lending to any single approved intermediary i.e. broker. The Scheme does not intend to undertake/ invest/ engage in Consolidated • Debt Instruments with special features (AT 1 and AT 2 Bonds) Std Obs.18 • Debt Instruments with SO/CE • Structured obligation/Credit enhancements • Short selling • Credit default swap • Unrated Debt instruments The cumulative gross exposure to equity, derivatives, debt instruments and money market instruments will Consolidated not exceed 100% of the net assets of the scheme in accordance with Clause 12.24 of SEBI Master Circular Std Obs.17 SEBI/HO/IMD/IMD-PoD-1/P/CIR/2024/90 dated June 27, 2024. The Scheme may use derivatives for such purposes as may be permitted by the Regulations, including for the purpose of hedging and portfolio balancing, based on the opportunities available and subject to guidelines Consolidated Std Obs.20 issued by SEBI from time to time. The margin money deployed on derivative positions would be included in Debt & Money Market Instruments. Exposure to derivatives for non-hedging purpose will be restricted to 50% of net assets of the scheme. Cash or cash equivalents with residual maturity of less than 91 days may be treated as not creating any exposure. Consolidated Std Obs.14 SEBI vide letter dated November 3, 2021 has clarified that Cash Equivalent shall consist of Government Securities, T-Bills and Repo on Government Securities having residual maturity of less than 91 days. In accordance with Clause 3.4 of SEBI Master Circular SEBI/HO/IMD/IMD-PoD-1/P/CIR/2024/90 dated June 27, 2024 the underlying index shall comply with the portfolio concentration norms as prescribed. Debt securities include, but are not limited to, Debt securities of the Government of India, State and Local Governments, Government Agencies, Statutory Bodies, Public Sector Undertakings, Public Sector Banks or Private Sector Banks or any other Banks, Financial Institutions, Development Financial Institutions, and Corporate Entities, collateralized debt securities or any other instruments as may be prevailing and permissible under the Regulations from time to time). The Debt Securities (including money market instruments) referred to above could be fixed rate or floating rate, listed, unlisted, privately placed, unrated among others, as permitted by regulation. Pending deployment of funds of a Scheme in securities in terms of investment objectives of the Scheme a mutual fund can invest the funds of the Scheme in short term deposits of scheduled commercial banks in terms of Clause 12.16 of SEBI Master Circular SEBI/HO/IMD/IMD-PoD-1/P/CIR/2024/90 dated June 27, 2024. Further, the Scheme may, for meeting liquidity requirements invest in units of money market/liquid schemes of Groww Mutual Fund and/or any other mutual fund provided that aggregate inter-scheme investment made by all schemes under the same management or in schemes under the management of any other asset management company shall not exceed 5% of the net asset value of the mutual fund in accordance with Clause 4 of Seventh Schedule of SEBI (Mutual Funds) Regulations, 1996. The AMC shall not charge any investment management fees with respect to such investment. Investments in Scheme by AMC, Sponsor & Associates Subject to the Regulations, the AMC and investment companies managed by the Sponsor(s), their associate companies and subsidiaries may invest either directly or indirectly, in the Scheme during the NFO and/or on ongoing basis. However, the AMC shall not charge any investment management fee on such investment in the 19Scheme, in accordance with sub-regulation 3 of Regulation 24 of the Regulations and shall charge fees on such amounts in future only if the SEBI (MF) Regulations so permit. The associates, the Sponsor, subsidiaries of the Sponsor and/or the AMC may acquire a substantial portion of the Scheme’s units and collectively constitute a major investment in the Schemes. The AMC reserves the right to invest its own funds in the Scheme as may be decided by the AMC from time to time and required by applicable regulations and also in accordance with Clause 6.11 of SEBI Master Circular S SEBI/HO/IMD/IMD-PoD-1/P/CIR/2024/90 dated June 27, 2024 regarding minimum number of investors in the Scheme. In terms of SEBI notification dated August 5, 2021 and as per Regulation 25, sub-regulation 16A of SEBI (Mutual Funds) Regulations, the asset management company shall invest such amounts in such schemes of the mutual fund, based on the risks associated with the schemes, as may be specified by the Board from time to time. In case of NFO, AMC’s investment shall be made during the allotment of units and shall be calculated as a percentage of the final allotment value excluding AMC’s investment pursuant to this circular. Indicative Table (Actual instrument/percentages may vary subject to applicable SEBI circulars) Sl. Type of Instrument Percentage of Circular references* no exposure 1. Securities Lending 20% Paragraph 12.11 of SEBI Master Circular for Mutual Funds dated June 27, 2024. 2. Equity Derivatives for non- 50% hedging purposes Paragraph 12.25 of SEBI Master Circular for Mutual Funds dated June 27, 2024. 3. Securitized Debt 20% Paragraph 12.15 of SEBI Master Circular for Mutual Funds dated June 27, 2024 4. Overseas Securities 15% Paragraph 12.19 of SEBI Master Circular for Mutual Funds dated June 27, 2024. 5. REITs and InVITS 10% Paragraph 12.21 of SEBI Master Circular for Mutual Funds dated June 27, 2024. 6. AT1 and AT2 Bonds NA Paragraph 12.2 of SEBI Master Circular for Mutual Funds dated June 27, 2024. 7. Any other instrument NA - *SEBI circular references (wherever applicable) in support of exposure limits of different types of asset classes in asset allocation shall be provided. 20Consolidated Std Obs. 22 Rebalancing due to passive breach & 24 Further, as per para 2.9 of SEBI Master Circular dated June 27, 2024, as may be amended from time to time, in the event of deviation from mandated asset allocation or any other deviation resulting due to passive breaches (occurrence of instances not arising out of omission and commission of the AMC), the fund manager shall rebalance the portfolio of the Scheme within 30 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 Investment 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 Consolidated Any alteration in the investment pattern will be for a short term on defensive considerations as per Para 1.14.1.2 Std Obs. 23& 24 of SEBI Master Circular dated June 27, 2024; the intention being at all times to protect the interests of the Unit Holders 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? Subject to the Regulations and other prevailing laws as applicable, the corpus of the Scheme can be invested in any Consolida (but not exclusively) of the following securities: ted Std Obs.29 1. Equity shares 2. Equity related instruments such as convertible bonds, convertible debentures, equity warrants, convertible preference shares, etc. 3. ADRs / GDRs issued by Indian company’s subject to necessary regulatory requirements 4. Foreign Equity and Equity Related Instrument 5. Equity Derivatives 6. Futures 7. Gold / Silver related instruments, Gold/Silver ETFs and Exchange Traded Commodity Derivatives (ETCDs) 8. Options 9. CD 10. CP 11. T-bills 12. Commercial Usance Bills 13. Repo 14. Tri-party Repos on Government securities or treasury bills (TREPS) 15. Govt securities 16. NCD 17. Reits and InVITs 18. Securitized Assets 19. Pass through Certificate (PTC) 20. Interest Rate Swap 21. Forward Rate Agreement 22. Interest Rate Futures 23. Foreign Securities 24. Units of Mutual Fund Schemes 25. Government securities having an unexpired maturity upto one year 2126. Index derivatives 27. Short selling and securities lending as permitted by SEBI from time to time 28. Schemes managed by the AMC or the schemes launched by SEBI registered Mutual Funds, provided it is in conformity to the investment objectives of the Scheme and in terms of the prevailing Regulations. 29. Any other instruments, as may be permitted by RBI / SEBI / such other Regulatory Authority, from time to time, subject to Regulatory approvals. The securities mentioned above could be listed or permitted unlisted, privately placed, secured or unsecured, rated or un-rated and of any maturity, as enabled under SEBI (MF) Regulations / circulars/ RBI. The securities may be acquired from primary market/ Initial Public Offer (IPO), secondary market operations, private placement or negotiated deals. C. WHAT ARE THE INVESTMENT STRATEGIES? • The scheme follows an active investment strategy. Consolidated Std Obs.27 • The Scheme seeks to generate long term capital appreciation by investing in a diversified portfolio of equity, debt & money market instruments, Exchange Traded Commodity Derivatives / Units of Gold ETFs / Silver ETFs & units of REITs/InvITs. • The scheme seeks to benefit from the concept of asset allocation. The aim of asset allocation is to provide superior risk adjusted returns through diversification across various asset classes like equity, debt and money market instruments, Exchange Traded Commodity Derivatives / Units of Gold ETFs / Silver ETFs & units of REITs/InvITs which have historically had low correlation with each other. • The investment objective of the Scheme is to seek long-term capital appreciation by investing across diverse asset classes such as equity, debt, and commodities. The Scheme employs a systematic, rules-based investment approach supported by a proprietary framework named SHAASTRA (Strategic Holistic Asset Allocation and Systematic Technical Risk Assessment), utilizing inputs such as fundamental data, macroeconomic indicators, valuations, and asset price movements. Asset allocation decisions within the Scheme are guided by this structured framework, which dynamically incorporates a range of relevant inputs. SHAASTRA helps the Scheme in systematically identifying opportunities across varying market environments, maintaining flexibility in asset allocation. The SHAASTRA framework will continue to evolve over time; however, its underlying philosophy and thought process will remain consistent. The structured investment process provided by SHAASTRA facilitates an objective assessment and consistent decision-making process, minimizing behavioral biases. By analyzing market data, economic cycles, and asset-specific information, SHAASTRA aids in proactively identifying trends and potential risks, allowing dynamic adjustments in exposures to equity, debt, and commodities. Although the investment strategy is predominantly driven by the structured data-driven framework provided by SHAASTRA, the final investment decisions are made by the Fund Manager. The Fund Manager retains the discretion to interpret the data contextually and adjust allocations in line with the Scheme’s objectives, prevailing market conditions, and anticipated future developments to best serve the interest of investors. This integrated approach is designed to offer flexibility and adaptability to changing economic scenarios, aiming to optimize returns across market cycles. (Detailed definition and applicable regulations/guidelines for each instrument is included in Section II) Though every endeavour will be made to achieve the objective of the Scheme, the AMC/Sponsors/Trustee does not guarantee that the investment objective of the Scheme will be achieved. No guaranteed returns are being offered under the Scheme. Derivative products are leveraged instruments and can provide disproportionate gains as well as disproportionate Consolidated Std Obs.28 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. 22For detailed derivative strategies, please refer to SAI. Portfolio Turnover Policy Portfolio turnover is defined as lesser of purchases and sales as a percentage of the average corpus of the Scheme during a specified period of time. Portfolio turnover in the scheme will be a function of market opportunities. The scheme is open-end scheme. It is expected that there would be a number of subscriptions and repurchases on a daily basis. Consequently, it is difficult to estimate with any reasonable measure of accuracy, the likely turnover in the portfolio. The AMC will endeavour to optimise portfolio turnover to optimise risk adjusted return keeping in mind the cost associated with it. A high portfolio turnover rate is not necessarily a drag on portfolio performance and may be representative of arbitrage opportunities that exist for securities held in the portfolio rather than an indication of change in AMC’s view on a security etc. However, the AMC will take advantage of the opportunities that present themselves from time to time because of the inefficiencies in the securities markets. D. HOW WILL THE SCHEME BENCHMARK ITS PERFORMANCE? Consolidated Std Obs.25 Benchmark (Total Returns Index): Nifty 500 TRI (60%) CRISIL Composite Bond Fund Index (30%) Domestic Gold Prices (5%) Domestic Silver Prices (5%) The Trustees have adopted Nifty 500 TRI (60%) CRISIL Composite Bond Fund Index (30%) Domestic Gold Prices (5%) Domestic Silver Prices (5%) as the benchmark index. Justification for Benchmark: This blended benchmark has been selected to appropriately reflect the diversified investment strategy and risk-return characteristics of the fund, which invests across equity, debt, and commodity asset classes. The rationale for each component is detailed below: 1. Nifty 500 TRI (60%) – Equity Allocation The fund maintains a significant allocation towards Indian equities across market capitalizations. The Nifty 500 TRI a broad-based and well-diversified equity benchmark covering large-cap, mid- cap, and small-cap segments. This aligns well with the fund’s equity allocation strategy. 2. CRISIL Composite Bond Fund Index (30%) – Debt Allocation This index reflects a diversified mix of government securities, corporate bonds, and money market instruments, which is in line with the fund’s debt strategy. It provides a reliable proxy for interest rate trends and credit risk in the Indian fixed income market. 3. Domestic Gold Prices (5%) – Gold Exposure Gold serves as a strategic asset within the portfolio aim to hedge against inflation, currency risk, and market volatility. The inclusion of domestic gold prices in the benchmark helps capture the return dynamics of this non-correlated asset class. This ensures performance measurement reflects the fund’s exposure to physical or financial gold instruments (ETFs). 4. Domestic Silver Prices (5%) – Silver Exposure: 23Silver is included to provide additional diversification and potential upside linked to industrial demand and precious metals performance. Domestic silver prices as part of the benchmark mirror the returns from this commodity exposure, enabling a more accurate and holistic comparison of fund performance. Further, the fund manager aims to maintain minimum 65% in the equity and it will go below 65 % (upto 10% in line with the asset allocation of the fund) only for the defensive consideration. As per its investment objective, the investment would primarily be in Securities which are constituents of the benchmark index. Thus, the composition of the aforesaid benchmark index is such that it is most suited for comparing performance of the Scheme. The Trustees reserves right to change benchmark in future for measuring performance of the Scheme subject to SEBI Mutual Fund Regulations, 1996 and circulars issued by SEBI from time to time. The AMC / Trustee reserves the right to change / modify the benchmark by issuing an addendum. E. WHO MANAGES THE SCHEME? Consolidated Std Obs.33 The particulars of Fund Manager of the Scheme are given below: Fund Manager Tenure of managing the Scheme Mr. Anupam Tiwari, Mr. Paras Matalia, Mr. Kaustubh NA Sule & Mr. Wilfred Gonsalves Name of the Age Education Experience Other Schemes managed Fund Qualification by the Fund Manager Manager Mr. Anupam 46 CA Mr. Anupam brings 18 years of - Groww ELSS Tax Tiwari, Head extensive experience in the Saver Fund Equity Mutual Fund Industry, having - Groww Aggressive served as an Equity Analyst at Hybrid Fund Reliance Mutual Fund for 5 - Groww Value Fund years. He then held roles as an - Groww Banking & Equity Fund Manager at Financial Services Fund Reliance Life Insurance - Groww Multicap Fund Company, Principal at PNB Asset Management Company, and Axis Asset Management Company in his most recent assignment prior to joining Groww AMC. Mr. Paras 30 CA, CFA (US) Mr. Paras Matalia has about 7 --- Matalia (Fund and B. Com years of experience in the Manager- capital markets. He started Equity) out as an equity research Analyst with Samco Securities Limited. Just prior to joining Groww Mutual Fund, he was working with Samco Mutual Fund as Fund Manager and Head of Equities. Mr. Kaustubh 40 B.E.(Computer) Mr. Kaustubh has worked in • Groww Overnight Fund Sule MBA(Finance) Fixed Income trading and • Groww Liquid Fund 24(Senior – Fund portfolio management for • Groww Short Duration Manager) almost 14 years and 3 years in Fund the IT industry as a software • Groww Nifty 1D Rate engineer. He has worked with Liquid ETF Hexaware Technologies, Union • Groww Aggressive Bank of India, Reliance Life Hybrid Fund insurance, HDFC Life • Groww Gilt Fund insurance. He was working with Axis Asset Management Company as Fund Manager- Fixed Income before joining Groww. Mr. Wilfred 31 CA, B. Com Wilfred has over 7 years of • Groww Gold ETF Peter from Mumbai experience in Investment • Groww Gold ETF FOF Gonsalves, University Management, with a strong • Groww Silver ETF Fund Manager background in credit analysis, • Groww Silver ETF FoF – Gold, Silver macroeconomics, fixed income, & Debt - and gold. At Whiteoak Capital, Dealer where he worked for 1.5 years, Wilfred specialized as a dealer in Fixed Income securities and supported Gold ETF units trading. Prior to this, he served as a Fixed Income Dealer at Edelweiss Tokio Life Insurance for 3 years, where his responsibilities included Fixed Income trading and portfolio management. Additionally, at L&T Finance, Wilfred was part of the Deal Origination team for 2 years, conducting in-depth credit analysis to support investment decisions." F. HOW IS THE SCHEME DIFFERENT FROM EXISTING SCHEMES OF THE MUTUAL FUND? As per Para 2.6 of SEBI Master Circular on Mutual Funds dated June 27, 2024, Groww Multi Asset Allocation Fund is a unique Product. It falls under ‘Equity – Multi Asset Allocation Fund Category’. Equity Schemes Scheme Category Product Positioning Groww Large Cap Large Cap Fund A diversified equity portfolio Fund investing predominantly in large- cap stocks. Groww Value Fund Value Fund A diversified equity portfolio with value investment strategy. Groww ELSS Tax Equity Linked Savings Scheme A diversified equity portfolio for Saver Fund investors seeking exemption under Section 80C of the Income Tax Act. Groww Banking & Financial Sectoral/Thematic A scheme investing in banking 25Services Fund and financial services related sector Groww Multicap Fund Multicap Fund An equity scheme investing across large-cap, mid-cap, and small-cap stocks For detailed comparative table of the aforesaid schemes, please click here https://www.growwmf.in/downloads/sid G. HOW HAS THE SCHEME PERFORMED (if applicable) This scheme is a new scheme and does not have any performance track record. H. ADDITIONAL SCHEME RELATED DISCLOSURES i. Scheme’s portfolio holdings - Not Applicable as this is a new scheme 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 - Not Applicable iii. Functional website link for Portfolio Disclosure - Fortnightly / Monthly/ Half Yearly. – This will be updated on our website https://growwmf.in/statutory-disclosure/portfolio iv. Portfolio Turnover Rate particularly for equity oriented schemes shall also be disclosed. - Not Applicable as this is a new scheme v. Aggregate investment in the Scheme by: Not Applicable as this is a new scheme For any other disclosure w.r.t investments by key personnel and AMC directors including regulatory provisions in this regard kindly refer SAI • Investments of AMC in the Scheme – Groww Asset Management Limited (GAML), the asset management company may invest in the Scheme. However, as per SEBI (Mutual Funds) Regulations, 1996, GAML will not Consolidat charge any Investment Management Fee for its investment in the Scheme. In addition, the funds managed by the ed sponsors, Group may invest in the Scheme. Std Obs.58 The details are provided on https://www.growwmf.in/statutory-disclosure/alignment-of-interest • Risk-o-meter shall be evaluated on a monthly basis and the Risk-o-meter shall be disclosed along with portfolio Consolidated disclosure on GMF website and on AMFI website within 10 days from the close of each month. Std Obs.38 • Scheme Summary Document (SSD) shall be updated on a Monthly basis or on changes in any specified fields, whichever is earlier. The same shall be uploaded on websites of GMF, AMFI and stock exchanges. 26Part III- OTHER DETAILS A. COMPUTATION OF NAV The NAV of the Units of the Scheme will be computed by dividing the net assets of the Scheme by the number of Units outstanding on the valuation date. The Fund shall value its investments according to the valuation norms, as specified in Schedule VIII of the Regulations, or such norms as may be prescribed by SEBI from time to time. All expenses and incomes accrued up to the valuation date shall be considered for computation of NAV. For this purpose, major expenses like management fees and other periodic expenses would be accrued on a day to day basis. The minor expenses and income will be accrued on a periodic basis, provided the nondaily accrual does not affect the NAV calculations by more than 1%. Any changes in securities and in the number of units be recorded in the books not later than the first valuation date following the date of transaction. If this is not possible given the frequency of the Net Asset Value disclosure, the recording may be delayed upto a period of seven days following the date of the transaction, provided that as a result of the non-recording, the Net Asset Value calculations shall not be affected by more than 1%. In case the Net Asset Value of a scheme differs by more than 1%, due to non - recording of the transactions, the investors or scheme/s as the case may be, shall be paid the difference in amount as follows:- (i) If the investors are allotted units at a price higher than Net Asset Value or are given a price lower than Net Asset Value at the time of sale of their units, they shall be paid the difference in amount by the scheme. (ii) If the investors are charged lower Net Asset Value at the time of purchase of their units or are given higher Net Asset Value at the time of sale of their units, asset management company shall pay the difference in amount to the scheme. The asset management company may recover the difference from the investors. NAV of units under the Scheme shall be calculated as shown below: NAV (Rs.) = Market or Fair Value of + Current Assets - Current Liabilities and Provisions Scheme's investments including Accrued including accrued expenses Income No. of Units outstanding under Scheme The NAV of the Scheme will be calculated upto four decimal places and will be declared on each business day. The valuation of the Scheme’s assets and calculation of the Scheme’s NAV shall be subject to audit on an annual basis and shall be subject to such regulations as may be prescribed by SEBI from time to time. Consolidated Illustration: Std Obs.42 Assume that the Market or Fair Value of Scheme’s investments is Rs. 1,00,00,000; Current asset of the scheme is Rs. 25,00,000; Current Liabilities and Provisions is Rs. 15,00,000 and the No. of Units outstanding under the scheme are 5,00,000. Thus, the NAV will be calculated as: 27NAV = = 22.0000 Therefore, the NAV of the scheme is Rs. 22.0000 While determining the price of the units, the mutual fund shall ensure that the repurchase price of an open ended scheme is not lower than 95 per cent of the Net Asset Value. Valuation of the scheme’s assets, calculation of the scheme’s NAV and the accounting policies & standards will be subject to such norms and guidelines that SEBI may prescribe from time to time. For the detailed Valuation Policy and the accounting policy of the AMC, please refer the Statement of Additional Information. 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. The New Fund Offer expenses of the scheme will be borne by the AMC. C. ANNUAL SCHEME RECURRING EXPENSES As per SEBI (MF) Regulations, 1996, recurring expenses will not exceed 2.25% of the Scheme’s daily net assets: The total fees and expenses for operating the scheme as listed hereunder would be 2.25% of the daily net assets which includes expenses towards management fees, commission, marketing expense and other expense relating to operating the scheme. Estimated Recurring Expenses: Expense Head % of daily Net Assets Investment Management and Advisory Fees Trustee fee Audit fees Custodian fees RTA Fees Marketing & Selling expense incl. agent commission Cost related to investor communications Upto 2.25% Cost of fund transfer from location to location Cost of providing account statements and Income Distribution cum Capital Withdrawal redemption cheques and warrants Costs of statutory Advertisements 28Cost towards investor education & awareness (at least 1 bps) (as per paragraph 10.1.16 of SEBI Master circular for Mutual Funds dated June 27, 2024) Brokerage & transaction cost over and above 12 bps and 5 bps for cash and derivative market trades resp. Goods & Services Tax/ goods and services tax on expenses other than investment and advisory fees Goods & Services Tax/ goods and services tax on brokerage and transaction cost Other Expenses Maximum total expense ratio (TER) permissible under Upto 2.25% Regulation 52 (6) (c) Additional expenses under regulation 52 (6A) (c) 0.05% Additional expenses for gross new inflows from specified cities* Upto 0.30% *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 / Mutual Fund shall annually set apart at least 1 basis points (i.e., 0.01%) on daily net assets of the scheme within the maximum limit of Total Expense Ratio as per Regulation 52 of the SEBI (MF) Regulations for investor education and awareness initiatives. **Additional Expenses upto 0.05% of daily net assets as permissible under Regulation 52 (6A) (c) may be charged by AMC under different heads of expenses mentioned under Regulation 52 (2) and (4) and more specifically stated in table above. @ 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. Direct Plan shall have a lower expense ratio excluding distribution expenses, commission, etc and no commission for distribution of Units will be paid / charged under Direct Plan. All fees and expenses charged in a direct plan (in percentage terms) under various heads including the investment and advisory fee shall not exceed the fees and expenses charged under such heads in a regular plan. The purpose of the above table is to assist the investor in understanding various costs and expenses that an investor in the Scheme will bear directly or indirectly. These estimates have been made in good faith as per the information available with AMC based on past experience and are subject to change inter-se. 29The total recurring expenses that can be charged to the Scheme will be subject to limits prescribed from time to time under the SEBI (MF) Regulations. Annual recurring expenses of the Scheme, (including the investment and advisory fees without any sub limit) as a % of daily net assets will be subject to following limit: The AMC shall adhere para 10.1 of SEBI Master Circular No. SEBI/HO/IMD/IMD- PoD-1/P/CIR/2024 /90 dated June 27, 2024 and various guidelines specified by SEBI as amended from time to time, with reference to charging of fees and expenses. Annual recurring expenses of the Scheme, (including the investment and advisory fees without any sublimit) as a % of daily net assets will be subject to following limit: First Rs. Next Rs. Next Rs. Next Rs. Next Rs. Next Rs. Balance 500 250 1,250 3,000 5,000 40,000 Crores Crores Crores Crores Crores Crores 2.25% 2.00% 1.75% 1.60% 1.50% TER 1.05% reduction of 0.05% for every increase of Rs. 5,000 crores or part thereof In addition to TER within the limits specified under regulation 52 (6) of the Regulations, towards investment & advisory fees as specified under regulation 52(2) of the Regulations and/or towards recurring expenses as specified under 52(4) of the Regulations. However, such additional expenses will not be charged if exit load is not levied / not applicable to the Scheme. Additional Distribution Expenses in case of new inflows from specified cities In addition to total expenses Consolidated ratio (TER) as specified above, the AMC will charge expenses not exceeding 0.30% of daily net assets if the Std Obs.46 new inflows in the Scheme from such cities, as specified by SEBI from time to time, are at least: (i) 30% of gross new inflows in the Scheme, or; (ii) 15% of the average assets under management (year to date) of the Scheme, whichever is higher. In case, inflows from such cities is less than the higher of (i) or (ii) of above, such expenses on daily net assets of the Scheme will be charged on proportionate basis in accordance with para 10.1.3 of SEBI Master Circular dated June 27, 2024. The additional expenses on account of inflows from such cities charged will be credited back to the Scheme in case the said inflows are redeemed within a period of one year from the date of investment. The additional expenses charged in case of inflows from such cities will be utilized for distribution expenses incurred for bringing inflows from such cities. The additional TER in terms of Regulation 52(6A)(b) of SEBI (Mutual Funds) Regulations, 1996 shall be charged upto 30 basis points on daily net assets of the Scheme based on inflows only from retail investors beyond Top 30 cities (B 30 cities). Inflows of amount upto Rs. 2,00,000 per transaction by individual investors shall be considered as inflows from retail investors Top 30 cities shall mean top 30 cities based on Association of Mutual Funds in India (AMFI) data on ‘AUM by Geography – Consolidated Data for Mutual Fund 30Industry’ as at the end of the previous financial year. a. All scheme related expenses including commission paid to distributors, shall be paid from the Scheme only within the regulatory limits and not from the books of the AMC, its associates, sponsor, trustee or any other entity through any route. Provided that, such expenses that are not specifically covered in terms of Regulation 52 (4) can be paid out of AMC books at actual or not exceeding 2 bps of the Scheme AUM, whichever is lower. b. The Fund / the AMC shall adopt full trail model of commission in the Scheme, without payment of any upfront commission or upfronting of any trail commission, directly or indirectly, in cash or kind, through sponsorships, or any other route. c. All fees and expenses charged in a Direct Plan (in percentage terms) under various heads including the investment and advisory fee shall not exceed the fees and expenses charged under such heads in Regular Plan. d. No pass back, either directly or indirectly, shall be given by the Fund / the AMC / Distributors to the investors. Illustration in returns between Regular and Direct Plan Consolidated Particulars Regular Plan Direct Plan Std Obs.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% TER for the Segregated Portfolio • The AMC will not charge investment and advisory fees on Segregated Portfolio. However, TER (excluding the investment and advisory fees) may be charged, on a pro-rata basis only upon recovery of the investments in Segregated Portfolio. • The TER levied shall not exceed the simple average of such expenses (excluding the investment and advisory fees) charged on daily basis on the Main Portfolio (in % terms) of the scheme(s) during the period for which Segregated Portfolio was in existence. • The legal charges related to recovery of the investments of the Segregated Portfolio may be charged to the Segregated Portfolio in proportion to the amount of recovery. However, the same shall be within the maximum TER limit as applicable to the Main Portfolio. The legal charges in excess of the TER limits, if any, shall be borne by the AMC. The costs related to Segregated Portfolio shall in no case be charged to the Main Portfolio Disclosure on Goods & Services Tax: Goods & Services Tax on investment management and advisory fees shall be in addition to the above expense. Further, with respect to Goods & Services Tax on other than management and advisory fees: - Goods & Services Tax on other than investment and advisory fees, if any, shall be borne by the scheme within the maximum limit of TER as per regulation 52 of the Regulations. 31- Goods & Services Tax on exit load, if any, shall be paid out of the exit load proceeds and exit load net of Goods & Services Tax, if any, shall be credited to the scheme. - Goods & Services Tax on brokerage and transaction cost paid for asset purchases, if any, shall be within the limit prescribed under regulation 52 of the Regulations. For the actual current expenses being charged to the Scheme, the investor should refer to the website of the mutual fund https://www.growwmf.in/downloads/expense-ratio. Any change proposed to the current expense ratio will be updated on the website at least three working days prior to the change. 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. D. LOAD STRUCTURE Consolidated Std Obs.47 Exit Load is an amount which is paid by the investor to redeem the units from the scheme. Load amounts are variable and are subject to change from time to time. For the current applicable structure, please refer to the website of the AMC (www.growwmf.in) or may call at 8050180222) or your distributor or write to us at support@growwmf.in. Type of Load Load chargeable (as %age of NAV) Exit If redeemed within 30 days from the date of allotment: 1%; If redeemed after 30 days from the date of allotment: NIL. All switches will be treated as redemption in the source scheme and subscription in the destination scheme, with the entry and exit load as may be applicable. In accordance with the requirements specified by the paragraph 10.4.1(a) of SEBI Master circular for Mutual Funds dated June 27, 2024, no entry load will be charged for purchase/additional purchase/switches accepted by the Mutual Fund. Similarly, no entry load will be charged with respect to applications for registrations under the Systematic Investment Plan (SIP)/Systematic Transfer Plan (STP) accepted by the Mutual Fund. The upfront commission on investment made by the investor, if any, shall be paid to the ARN Holder (AMFI registered distributor) directly by the investor, based on the investor’s assessment of various factors including service rendered by the ARN Holder. Exit load (if any) charged to the unit holders by the Mutual Fund on redemption (including switch-out) of units shall be credited to the respective scheme net of Goods & Services Tax. Goods & Services Tax on exit load, if any, shall be paid out of the exit load proceeds. Switches of following kind within the Scheme will also not attract any exit load - (i) switch from Direct Plan to Regular Plan; (ii) switch from Regular Plan to Direct Plan where the investment in Regular Plan is without a Distributor (ARN) code; (iii) within different Options (Income Distribution cum Capital Withdrawal /growth) of the same Plan (Direct/Regular) of the Scheme. Load on bonus/ re-investment of Income Distribution cum Capital Withdrawal units: In terms of paragraph 10.6 of SEBI Master circular for Mutual Funds dated June 27, 2024, no entry and exit load shall be charged on bonus units or units allotted on reinvestment of Income Distribution cum Capital Withdrawal. 32The Trustee / AMC reserves the right to introduce a Load and change the Load structure any time in future if they so deem fit on a prospective basis. The investor is requested to check the prevailing load structure of the scheme before investing. In case of changes/modifications of load, the AMC will endeavor to do the following: 1. An addendum will be attached to the Scheme Information Documents and Key Information Memorandum. The same may be circulated to brokers/distributors so that the same can be attached to all SIDs and abridged SID in stock. Further the addendum will be sent along with a newsletter to unitholders immediately after the changes. 2. Arrangement will be made to display the changes/modifications in the SID in the form of a notice in all the official point of acceptance of transactions and distributor’s/broker’s office. 3. The introduction of the exit load along with the details may 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. 4. A public notice shall be given in respect of such changes in one English Daily newspaper having nationwide circulation as well as in a newspaper published in the language of region where the Head office of the Mutual Fund is situated. TRANSACTION CHARGES In accordance with paragraph 10.5 of SEBI master circular for Mutual Funds dated June 27, 2024, Transaction Charge per subscription of Rs.10,000/ – and above shall be charged from the investors and shall be payable to the distributors/ brokers (who have opted in for charging the transaction charge for this scheme) in respect of applications routed through distributor/ broker relating to Purchases / subscription / new inflows only (lump sum and SIP), subject to the following: • For Existing / New investors: Rs.100 / Rs.150 as applicable per subscription of Rs. 10,000/ – and above • Transaction charge for SIP shall be applicable only if the total commitment through SIP amounts to Rs.10,000/ – and above. In such cases the transaction charge would be recovered in maximum 4 successful installments. • There shall be no transaction charge on subscription below Rs.10,000/-. • There shall be no transaction charges on direct investments. The Transaction Charge as mentioned above shall be deducted by the AMC from the subscription amount of the Unit Holder and paid to the distributor and the balance shall be invested in the Scheme. The statement of account shall clearly state that the net investment as gross subscription less transaction charge and give the number of units allotted against the net investment. The requirement of minimum application amount shall not be applicable if the investment amount falls below the minimum amount required due to deduction of transaction charges from the subscription amount. The AMCs shall be responsible for any malpractice/mis-selling by the distributor while charging transaction costs. 33SECTION II I. Introduction A. Definitions/interpretation Consolidated For detailed description please click the link: https://www.growwmf.in/downloads/sid Std Obs.08 B. Risk factors 1. Risk associated with Equity and Equity Related Instruments: Equity and Equity Related Instruments by nature are volatile and prone to price fluctuations on a daily basis due to macro and micro economic factors. The value of Equity and Equity Related Instruments may fluctuate due to factors affecting the securities markets such as volume and volatility in the capital markets, interest rates, currency exchange rates, changes in law/policies of the Government, taxation laws, political, economic or other developments, general decline in the Indian markets, which may have an adverse impact on individual securities, a specific sector or all sectors. Consequently, the NAVs of the Units issued under the Scheme may be adversely affected. Further, the Equity and Equity Related Instruments are risk capital and are subordinate in the right of payment to other securities, including debt securities. Equity and Equity Related Instruments listed on the stock exchange carry lower liquidity risk; however, the Scheme’s ability to sell these investments is limited by the overall trading volume on the stock exchanges. In certain cases, settlement periods may be extended significantly by unforeseen circumstances. The inability of the Scheme to make intended securities purchases due to settlement problems could cause the Scheme to miss certain investment opportunities. Similarly, the inability to sell securities held in the Scheme’s portfolio may result, at times, in potential losses to the Scheme, should there be a subsequent decline in the value of securities held in the Scheme’s portfolio. Further, the volatility of medium / small - capitalization stocks may be higher in comparison to liquid large capitalization stocks. 2. Risk associated with Fixed Income and Money Market Instruments: Interest - Rate Risk Fixed Income and Money Market Instruments run interest-rate risk. Generally, when interest rates rise, prices of existing fixed income securities fall and when interest rate falls, the prices increase. The extent of rise or fall in the price is a function of existing coupon, days to maturity, increase or decrease in the level of interest, credit quality, demand and supply. However, in case of Government securities credit risk remains zero, their prices are influenced by the movement in interest rates in the financial system. In case of floating rate instruments, an additional risk could arise because of changes in spreads of floating rate instruments. With increase in spread of floating rate instruments, the price can fall and with decrease in spread of floating rate instruments, the prices can rise. Moreover, the floating rate instruments having a periodical interest rate reset carry lower interest rate risk compared to a fixed rate debt security. However, in the falling interest rate scenario, the returns on floating rate debt instruments may not be better than those on fixed rate debt instruments. Credit Risk Credit risk or default risk refers to the risk that the issuer of a fixed income security may default on interest payment or even in paying back the principal amount on maturity. Even where no default occurs, the price of a security may be affected because of change in the credit rating of the issuer/instrument and the price of a security goes down if the credit rating agency downgrades the rating of the issuer. In case of Government Securities, there is minimal 34credit risk to that extent. Lower rated or unrated securities are more likely to react to developments affecting the market and credit risk than the highly rated securities which react primarily to movements in the general level of interest rates. Lower rated or unrated securities also tend to be more sensitive to economic conditions than higher rated securities. Liquidity or Marketability Risk The ability of the Scheme to execute sale/purchase order is dependent on the liquidity or marketability. The primary measure of liquidity risk is the spread between the bid price and the offer price quoted by a dealer. The securities that are listed on the stock exchange carry lower liquidity risk, but the ability to sell these securities is limited by the overall trading volumes. Further, different segments of Indian financial markets have different settlement cycles and may be extended significantly by unforeseen circumstances. Securities which are not quoted on the stock exchange(s) may be illiquid and can carry higher liquidity risk in comparison with securities which are listed on the stock exchange(s) and offer exit option to the investor including put option. The Scheme would invest in the securities which are not listed but offer attractive yields. This may however increase the risk of the portfolio. Re-investment Risk This refers to the interest rate risk at which the intermediate cash flows received from the securities in the Scheme including maturity proceeds are reinvested. Investments in fixed income securities may carry re-investment risk as interest rates prevailing on the interest or maturity due dates may differ from the original coupon of the debt security. Consequently, the proceeds may get invested at a lower rate. 3. Risk Factor associated with investing in Securities Segment and Tri-party Repo trade settlement Clearing Corporation of India Ltd. (‘CCIL’) is providing clearing and settlement services, for Triparty Repo trades in Government Securities, under its Securities Segment. CCIL would act as a Central Counterparty to all the borrow and lend Triparty Repo trades received by it for settlement. CCIL would also be performing the role responsibilities of Triparty Repo Agent, in terms of Repurchase transactions (Repo) (Reserve Bank) Directions, 2018 as amended from time to time. CCIL would settle the Triparty Repo trades, in terms of its Securities Segment Regulations. The funds settlement of members is achieved by multilateral netting of the funds position in Triparty Repo with the funds position in Outright and Market Repo and settling in the books of RBI for members who maintain an RBI Current Account. In respect of other members, funds settlement is achieved in the books of Settlement Bank. Securities settlement for Triparty Repo trades shall be achieved in the Gilt Account of the Member maintained with CCIL. Securities obligation for outright and market repo trades shall be settled in the SGL / CSGL account of the Member with RBI. Groww Mutual Fund is a member of securities segment and Tri-party Repo trade settlement of the CCIL. Since all transactions of the Fund in government securities and in Tri-party Repo trades are settled centrally through the infrastructure and settlement systems provided by CCIL, it reduces the settlement and counterparty risks considerably for transactions in the said segments. To mitigate the potential losses arising in case any member defaults in settling the transactions routed through CCIL, CCIL maintains a Default Fund. CCIL shall maintain two separate Default Funds in respect of its securities segment, one to meet the losses airing out of any default by its members from outright and repo trades and other for meeting losses arising out of any default by its members from Triparty Repo trades. In case any clearing member fails to honor his settlement obligations, the Default Fund is utilized to complete the settlement applying the Default Waterfall Sequence. As per the said waterfall mechanism, after the defaulter’s margins and defaulter’s contribution to default fund have been appropriated, CCIL’s contribution is used to meet the losses. Post utilization of CCIL’s contribution, if there is still a loss to be met, then contribution of non-defaulting members to Default Fund is utilized to meet the said loss. The Scheme is subject to the risk of losing initial margin and contribution to Default Fund in the event of failure of any settlement obligation. Further the Scheme’s contribution is allowed to be used to meet the residual loss in case of default by the other clearing member (the defaulting member). Further, CCIL periodically prescribes a list of securities eligible for contribution as collaterals by members. Presently, all Central Government Securities and Treasury Bills are accepted as collaterals by CCIL. The above risk factor may undergo a change in case the CCIL notifies securities other than Government of India Securities as eligible for contributions as collateral. 354. Risk Factor associated with investing in Tier I and Tier II Bonds: Tier I and Tier II Bonds are unsecured and the RBI prescribes certain restrictions in relation to the terms of these Bonds: Tier I and Tier II bonds are unsecured in nature. The claims of the Bondholders shall (i) be subordinated to the claims of all depositors and general creditors of the Bank; (ii) neither be secured nor covered by any guarantee of the Issuer or its related entity or other arrangement that legally or economically enhances the seniority of the claim vis-a-vis creditors of the Bank; (iii) Unless the terms of any subsequent issuance of bonds/debentures by the Bank specifies that the claims of such subsequent bond holders are senior or subordinate to the Bonds issued under the Disclosure Document or unless the RBI specifies otherwise in its guidelines, the claims of the Bondholders shall be pari passu with claims of holders of such subsequent debentures/bond issuances of the Bank; (iv) rank pari passu without preference amongst themselves and other subordinated debt eligible for inclusion in Tier 1 / Tier 2 Capital as the case may be. The Bonds are not redeemable at the option of the Bondholders or without the prior consent of RBI. The Bonds (including all claims, demands on the Bonds and interest thereon, whether accrued or contingent) are issued subject to loss absorbency features applicable for non-equity capital instruments issued in terms of Basel III Guidelines including in compliance with the requirements of Annex 5 thereof and are subject to certain loss absorbency features as described in bond prospectus and required of Tier 1 / Tier 2 instruments at the Point of Non Viability as provided for in Annex 16 of the aforesaid Basel III Guidelines as amended from time to time. The Bonds are essentially non- equity regulatory instruments, forming part of a Bank's capital, governed by Reserve Bank of India (RBI) guidelines and issued under the issuance and listing framework given under Chapter VI of the SEBI (Issue and Listing of Non- Convertible Redeemable Preference Shares) Regulations, 2013 (“NCRPS Regulations”). These instruments have certain unique features which, inter-alia, grant the issuer (i.e. banks, in consultation with RBI) a discretion in terms of writing down the principal / interest, to skip interest payments, to make an early recall etc. without commensurate right for investors to legal recourse, even if such actions of the issuer might result in potential loss to investors. Payment of coupon on the Bonds is subject to the terms of Information Memorandum, including Coupon Discretion, Dividend Stopper Clause, Loss Absorption as contained in the Information Memorandum. The Bonds are subject to loss absorption features as per the guidelines prescribed by RBI. There may be no active market for the Bonds on the platform of the Stock Exchanges. As a result, the liquidity and market prices of the Bonds may fail to develop and may accordingly be adversely affected: There is no assurance that a trading market for the Bonds will exist and no assurance as to the liquidity of any trading market. Although an application will be made to list the Bonds on the NSE and/or BSE, there can be no assurance that an active market for the Bonds will develop, and if such a market were to develop, there is no obligation on the issuer to maintain such a market. The liquidity and market prices of the Bonds can be expected to vary with changes in market and economic conditions, financial condition and prospects and other factors that generally influence market price of such instruments. Such fluctuations may significantly affect the liquidity and market price of the Bonds, which may trade at a discount to the price at which one purchases these Bonds. Issuer is not required to and will not create or maintain a Debenture Redemption Reserve (DRR) for the Bonds issued under this Disclosure Document: As per the Companies (Share Capital and Debentures) Rules, 2014, as amended, no Debenture Redemption Reserve is required to be created by Banking Companies issuing debentures. There is no assurance that the Tier I / Tier II bonds will not be downgraded: The Rating agencies, which rate the Bonds, have a slightly different rating methodology for Tier I and Tier II bonds. In the event of deterioration of the financial health of the Issuer or due to other reasons, the rating of the Bonds may 36be downgraded whilst the ratings of other bonds issued by the issuer may remain constant. In such a scenario, for Tier I and Tier II Bond holders may incur losses on their investment. Risks associated with investing in Derivatives Derivative products are leveraged instruments and can provide disproportionate gains as well as disproportionate losses to the investor. Execution of such strategies depends upon the ability of the fund manager to identify such opportunities. Identification and execution of the strategies to be pursued by the fund manager involve uncertainty and decision of fund manager may not always be profitable. No assurance can be given that the fund manager will be able to identify or execute such strategies. 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. The use of a derivative requires an understanding not only of the underlying instrument but also of the derivative itself. Derivatives require the maintenance of adequate controls to monitor the transactions entered into, the ability to assess the risk that a derivative adds to the portfolio and the ability to forecast price or interest rate movements correctly. Other risks include risk of mispricing or improper valuation and the inability of the derivative to correlate perfectly with underlying assets, rates and indices, illiquidity risk whereby the Scheme may not be able to sell or purchase derivative quickly enough at a fair price. 9. Risks associated with Securities Lending For Equity Instruments: As with other modes of extensions of credit, there are risks inherent to securities lending. During the period the security is lent, the Scheme may not be able to sell such security and in turn cannot protect from the falling market price of the said security. Under the current securities lending and borrowing mechanism, the Scheme can call back the securities lent any time before the maturity date of securities lending contract. However, this will be again the function of liquidity in the market and if there are no lenders in the specified security, the Scheme may not be able to call back the security and in the process, the Scheme will be exposed to price volatility. Moreover, the fees paid for calling back the security may be more than the lending fees earned by Scheme at the time of lending the said security and this could result in loss to the Scheme. Also, during the period the security is lent, the Fund will not be able to exercise the voting rights attached to the security as the security will not be registered in the name of the Scheme in the records of the Depository/issuer. For Debt Instruments: As with other modes of extensions of credit, there are risks inherent to 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 entered into between the lender of securities i.e. the Scheme and the approved intermediary. Such failure can result in the possible loss of rights to the collateral put up by the borrower of the securities, the inability of the approved intermediary to return the securities deposited by the lender and the possible loss of any corporate benefits accruing to the lender from the securities deposited with the approved intermediary. The Scheme may not be able to sell such lent securities and this can lead to temporary illiquidity. 10. Risks associated with Short Selling The Scheme may enter into short selling transactions, subject to SEBI and RBI Regulations. Short positions carry the risk of losing money and these losses may grow unlimited theoretically if the price of the stock increases without any limit. This may result in major loss to the Scheme. At times, the participants may not be able to cover their short positions, if the price increases substantially. If numbers of short sellers try to cover their position simultaneously, it may lead to disorderly trading in the stock and thereby can briskly escalate the price even further making it difficult or impossible to liquidate short position quickly at reasonable prices. In additions, short selling also carries the risk of inability to borrow the security by the participants thereby requiring the participants to purchase the securities sold short to cover the position even at unreasonable prices. • Risk Factors with respect to Imperfect Hedging Using Interest Rate 37An Interest Rate Futures is an agreement to buy or sell a debt instrument at a specified future date at a price that is fixed today. Interest Rate Futures are Exchange traded. These future contracts are cash settled. • Perfect Hedging means hedging the underlying using IRF contract of same underlying. • Imperfect hedging means the underlying being hedged and the IRF contract has correlation of closing prices of more than 90%. In case of imperfect hedging, the portfolio can be a mix of: • Corporate Bonds and Government securities or • Only Corporate debt securities or • Only government securities with different maturities • Risk associated with imperfect hedging includes: Basis Risk: The risk arises when the price movements in derivative instrument used to hedge the underlying assets does not match the price movements of the underlying assets being hedged. Such difference may potentially amplify the gains or losses, thus adding risk to the position. Price Risk: The risk of mispricing or improper valuation and the inability of derivatives to correlate perfectly with underlying assets, rates, and indices. Risk of mismatch between the instruments: The risk arises if there is a mismatch between the prices movements in derivative instrument used to hedge, compared to the price movement of the underlying assets being hedged. For example, when IRF which has government security as underlying is used, to hedge a portfolio that contains corporate debt securities. Correlation weakening and consequent risk of regulatory breach: SEBI (MF) Regulationsmandates minimum correlation criterion of 0.9 (calculated on a 90-day basis) between the portfolio being hedged and the derivative instrument used for hedging. In cases where the correlation falls below 0.9, a rebalancing period of 5 working days has been permitted. Inability to satisfy this requirement to restore the correlation level to the stipulated level, within the stipulated period, due to difficulties in rebalancing would lead to a lapse of the exemption in gross exposure computation. The entire derivative exposure would then need to be included in gross exposure, which may result in gross exposure in excess of 100% of net asset value. Purchasing a security entails the risk of the security price going down. Short selling of securities (i.e. sale of securities without owning them) entails the risk of the security price going up there by decreasing the profitability of the short position. Short selling is subject to risks related to fluctuations in market price, and settlement/liquidity risks. If required by the Regulations, short selling may entail margin money to be deposited with the clearing house and daily mark to market of the prices and margins. This may impact fund pricing and may induce liquidity risks if the fund is not able to provide adequate margins to the clearing house. Failure to meet margin requirements may result in penalties being imposed by the exchanges and clearing house. Consolid ated 11. Risk Factors Associated with Investments in Foreign Securities Std Investments in International (overseas) securities including Exchange Traded Funds involves increased risk and Obs.11 volatility, not typically associated with domestic investing, Some of the risk associated are: • Changes in currency exchange rates • Foreign government regulations • Differences in auditing and accounting standards • Political and economic instability • Liquidity and volatile prices • Economic deterioration, and changes in bi-lateral relationships. The investment by the Scheme in overseas securities and overseas ETFs is subject to compliance with the 38industry-wide limit as stipulated by RBI/SEBI from time to time. The Scheme may not be able to make investment in overseas securities and overseas ETFs in case of breach of such industry-wide overseas limits. In such a situation, the performance of the Scheme could be affected. Risk factors associated with processing of transaction through Stock Exchange Mechanism The trading mechanism introduced by the stock exchange(s) is configured to accept and process transactions for mutual fund units in both Physical and Demat Form. The allotment and/or redemption of Units through NSE and/or BSE or any other recognised stock exchange(s), on any Business Day will depend upon the modalities of processing viz. collection of application form, order processing/settlement, etc. upon which the AMC has no control. Moreover, transactions conducted through the stock exchange mechanism shall be governed by the operating guidelines and directives issued by respective recognized stock exchange(s). Risk Mitigation/Control Strategies: Consolid Equity: ated Std Obs.09 • Liquidity Risk: The fund will try to maintain a proper asset-liability match to ensure redemption payments are made on time and not affected by illiquidity of the underlying stocks. • Concentration Risk: The scheme will endeavour to have a well-diversified equity portfolio comprising stocks across various sectors of the economy. This would aid in managing concentration risk and sector-specific risks. Generally, diversification across market cap segments also aids in managing volatility and ensuring adequate liquidity at all times. • Derivatives Risk: The fund will endeavour to maintain adequate controls to monitor the derivatives transactions entered into. Debt • Interest Rate Risk: The Fund seeks to mitigate this risk by keeping the maturity of the scheme in line with the interest rate expectations. • Credit risk or default risk: Management analysis will be used for identifying company specific risks. Management’s past track record will also be studied. In order to assess financial risk a detailed assessment of the issuer’s financial statements will be undertaken. • Reinvestment Risk: Reinvestment risks will be limited to the extent of coupons received on debt instruments, which will be a very small portion of the portfolio value. • The Scheme may invest in derivative for the purpose of hedging, portfolio balancing and other purposes as may be permitted under the Regulations. Interest Rate Swaps will be done with approved counter parties under pre-approved ISDA agreements. Interest rate swaps and other derivative instruments will be used as per local (RBI and SEBI) regulatory guidelines. • Liquidity or Marketability Risk: Liquidity risk may be high on select securities due to duration and/or issue structure and/ or issuer-specific risk. Liquidity Risk can be partly mitigated by diversification, staggering of maturities as well as internal risk controls that lean towards purchase of liquid securities. 39II. INFORMATION ABOUT THE SCHEME: A. Where will the scheme invest – Detailed description of the instruments is mentioned in Section I B. What are the investment restrictions? The following investment limitations and other restrictions, inter alia, as contained in the Trust Deed and the Regulations apply to the Scheme: 1. All the investments by Scheme shall be made only in listed equity shares and equity related securities. 2. The Scheme shall not invest more than 10 per cent of its NAV in the equity shares or equity related instruments of any company. Provided that, the limit of 10 per cent shall not be applicable for investments in case of sector or industry specific scheme. 3. The Scheme shall adhere to following limits for investments in Debt and Money Market Instruments issued by a single issuer: Credit Rating Maximum Limit (% of net assets) AAA 10 AA (including AA+ and AA-) 8 A (including A+) & below 6 The above limits may be extended by up to 2% of the NAV of the Scheme with prior approval of the Board of Trustees and AMC, subject to compliance with the overall 12% limit. Provided that such limits shall not be applicable for investments in Government Securities, treasury bills, and Triparty Repo on G-Secs & T-Bills. 4. No Mutual Fund under all its schemes should own more than 10% of any company’s paid up capital carrying voting rights. 5. Investment 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 the Scheme shall not exceed 5% of the net assets of the Scheme. However, all such investments shall be made with the prior approval of the Board of AMC and Trustees. 6. The Scheme shall not invest in unlisted debt instruments including commercial papers (CPs), other than (a) government securities, (b) other money market instruments and (c) derivative products such as Interest Rate Swaps (IRS), Interest Rate Futures (IRF), etc. which are used by mutual funds for hedging. However, mutual fund schemes may invest in unlisted Non-Convertible Debentures (NCDs) not exceeding 10% of the debt portfolio of the scheme subject to the condition that such unlisted NCDs have a simple structure (i.e. with fixed and uniform coupon, fixed maturity period, without any options, fully paid up upfront, without any credit enhancements or structured obligations) and are rated and secured with coupon payment frequency on monthly basis. Provided further that, the Scheme shall comply with the norms under this clause within the time and in the manner as may be specified by the Board. 407. All investments by the Scheme in CPs would be made only in CPs which are listed or to be listed. 8. The investment of the Scheme in the following instruments shall not exceed 10% of the debt portfolio of the Scheme and the group exposure in such instruments shall not exceed 5% of the debt portfolio of the Scheme: - Unsupported rating of debt instruments (i.e. without factoring-in credit enhancements) is below investment grade; and - Supported rating of debt instruments (i.e. after factoring-in credit enhancement) is above investment grade 9. Investment by the Scheme in debt instruments, having credit enhancements backed by equity shares directly or indirectly, shall have a minimum cover of 4 times considering the market value of such shares. Further, the investment in debt instruments having credit enhancements should be sufficiently covered to address the market volatility and reduce the inefficiencies of invoking of the pledge or cover, whenever required, without impacting the interest of the investors. In case of fall in the value of the cover below the specified limit, AMCs will initiate necessary steps to ensure protection of the interest of the investors. 10. The Scheme may invest in debt instruments with special features viz. subordination to equity (absorbs losses before equity capital) and /or convertible to equity upon trigger of a pre-specified event for loss absorption including Additional Tier I bonds and Tier 2 bonds issued under Basel III framework subject to following prudential limits as prescribed under Para 12.2.1 of SEBI Master circular no. SEBI /HO /IMD /IMD- PoD-1/P/CIR /2024 /90 dated June 27, 2024 or such other circular issued by SEBI from time to time: i. No Mutual Fund under all its schemes shall own more than 10% of such instruments issued by a single issuer ii. A Mutual Fund scheme shall not invest – a. more than 10% of its NAV of the debt portfolio of the scheme in such instruments; and b. more than 5% of its NAV of the debt portfolio of the scheme in such instruments issued by a single issuer. (The above investment limit for the scheme shall be within the overall limit for debt instruments issued by a single issuer, as specified at clause 1 of the Seventh Schedule of SEBI (Mutual Fund) Regulations, 1996, and other prudential limits with respect to the debt instruments.) 11. The Scheme shall participate in ETCDs not more than 30% of the net assets of the scheme and in case of ETCDs of a particular goods (single), not exceeding 10% of net asset value of the scheme. However, the limit of 10% is not applicable for investments through Gold ETFs in ETCDs having gold as underlying. The scheme shall not have net short positions in ETCDs on any particular good, considering its positions in physical goods as well as ETCDs at any point of time. Scheme shall not write options or purchase instrument with embedded written option in goods or in commodity futures. 12. Transfer of investments from one scheme to another scheme in the Mutual Fund is permitted provided: - Such transfers are done at the prevailing market price for quoted instruments on spot basis (spot basis shall Consolid have the same meaning as specified by a Stock Exchange for spot transactions); and ated Std - The securities so transferred shall be in conformity with the investment objective of the Scheme to which Obs.30 such transfer has been made. Transfer of investments from one scheme to another scheme in the Mutual Fund is permitted provided the same are line with Para 12.30 SEBI circular no. SEBI Master circular no. SEBI /HO /IMD /IMD- PoD- 1/P/CIR /2024 /90 dated June 27, 2024. 4113. The Scheme may invest in other Schemes of the AMC or any other Mutual Fund without charging any fees, provided the aggregate inter-Scheme investment made by all the Schemes under the same management or in Schemes under management of any other Asset Management Company shall not exceed 5% of the Net Asset Value of the Fund. No investment management fees shall be charged for investing in other schemes of the fund or in the schemes of any other Mutual Fund. 14. 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: Provided that the Mutual Fund may engage in short selling of securities in accordance with the framework relating to short selling and securities lending and borrowing specified by the Board. Provided further that sale of government security already contracted for purchase shall be permitted in accordance with the guidelines issued by the Reserve Bank of India in this regard. Further, the Mutual Fund may enter into derivatives transactions in a recognized stock exchange, subject to the framework specified by the Board. 15. The Fund shall get the securities purchased or transferred in the name of the Fund on account of the concerned Scheme, wherever investments are intended to be of a long-term nature. 16. The Scheme shall not make any investment in any fund of funds scheme. 17. The Scheme shall not make any investment in: - Any unlisted security of an associate or group company of the Sponsor; or - Any security issued by way of private placement by an associate or group company of the Sponsor; or - The listed securities of group companies of the Sponsor, which is in excess of 25% of the net assets of the Scheme of the Mutual Fund. 18. No loans for any purpose shall be advanced by the Scheme. 19. The Fund shall not borrow except to meet temporary liquidity needs of the Fund for the purpose of repurchase / redemption of Units or payment of interest and IDCW to the Unit holders. Provided that the Fund shall not borrow more than 20% of the net assets of the Scheme and the duration of the borrowing shall not exceed a period of 6 months. 20. Pending deployment of funds of the Scheme in securities in terms of the investment objectives of the Scheme, the Fund may invest the funds of the Scheme in short term deposits of scheduled commercial banks or in like instruments subject to the Guidelines as may be specified by the Board. Further, the AMC shall not charge investment management and advisory fees for parking of funds in short term deposits of scheduled commercial banks. Further as per para 4.5 and 12.16 of SEBI Master Circular SEBI/HO/IMD/IMD-PoD-1/P/CIR/2024/90 dated June 27, 2024 a.Total investment of the Scheme in Short term deposit(s) of all the Scheduled Commercial Banks put together shall not exceed 15% of the net assets. However, this limit can be raised upto 20% of the net assets with prior approval of the Board of Trustees. Further, investments 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. b. Scheme shall not invest more than 10% of the net assets in short term deposit(s), of any one scheduled 42commercial bank including its subsidiaries. c. Scheme shall not invest in short term deposit of a bank which has invested in that Scheme d. The Scheduled Commercial Banks in which a scheme has Short Term Deposits shall not invest in the Scheme until the Scheme has Short Term Deposits with such bank. Further as per para 12.16.1.9 of SEBI Master circular no. SEBI/HO/IMD/IMD-PoD-1/P/CIR/2024/90 dated June 27, 2024, it is clarified that the said limits shall not apply to term deposits placed as margins for trading in cash and derivatives market. The investments in short term deposits of scheduled commercial banks will be reported to the Board of Trustees along with the reasons for the investment which, interalia, would include comparison with the interest rates offered by other scheduled commercial banks. Further, the AMC shall ensure that the reasons for such investments are recorded in the manner prescribed in Para 12.16.1.8 of SEBI Master circular no. SEBI/HO/IMD/IMD-PoD-1/P/CIR/2024/90 dated June 27, 2024. 21. Investments in derivatives shall be in lines with the norms/restrictions specified in Para 12.16.1.8 of SEBI Master circular no. SEBI/HO/IMD/IMD-PoD-1/P/CIR/2024/90 dated June 27, 2024. 22. The Scheme may invest in the units of InvITs and REITs subject to the following: (a) The Fund under all its schemes shall own not more than 10% of units issued by a single issuer of InvITs and REITs; and (b) The Scheme shall not invest: i. more than 10% of its net assets in the units of InvITs and REITs; and ii. more than 5% of its net assets in the units of InvITs and REITs issued by a single issuer. 23. Investment restrictions in relation to repo in corporate debt securities: • The net exposure of any Mutual Fund scheme to repo transactions in money market and corporate debt securities shall not be more than 10 % of the net assets of the Scheme. • The cumulative gross exposure through repo transactions in money market and corporate debt securities along with debt shall not exceed 100% of the net assets of the Scheme. • Mutual funds shall participate in repo transactions only in money market and corporate debt securities with long-term credit rating of AA and above at the time of transaction by any of the recognized credit rating agencies. 24. The Scheme will comply with any other regulations applicable to the investments of Mutual Funds from time to time. 25. Limit for investment in Foreign / Overseas Securities: 1. As per para 12.19 and 12.19.1.1 of Master Circular: 1.1 Mutual Funds can make overseas investments subject to a maximum of US $ 1 billion per Mutual Fund, within the overall industry limit of US $ 7 billion. 1.2 Mutual Funds can make investments in overseas Exchange Traded Fund (ETF(s)) subject to a maximum of US $ 300 million per Mutual Fund, within the overall industry limit of US $ 1 billion. s 2. The allocation methodology of the aforementioned limits shall be as follows: 2.1 In case of overseas investments specified at Para 1.1 above, US $ 50 million would be reserved for Consolidated each Mutual Fund individually, within the overall industry limit of US $ 7 billion. The Scheme may Std Obs.16 invest a maximum of US $ 100 million in Foreign Securities (including overseas ETFs) subject to the 43limit specified in 1.1. and 1.2 above. The Scheme shall not have an exposure of more than 15% of its net assets in foreign securities, subject to regulatory limits specified from time to time. 26. Investments Limitations and Restrictions in Derivatives: In accordance with SEBI guidelines, the following conditions shall apply to the Scheme's participation in the derivatives market. Please note that the investment restrictions applicable to the Scheme's participation in the derivatives market will be as prescribed or varied by SEBI or by the Trustees (subject to SEBI requirements) from time to time. Position limit for the Fund in index options contracts: The position limit for the Mutual Fund in index options contracts shall be as follows: • The Fund's position limit in all index options contracts on a particular underlying index shall be Rs. 500 Crores or 15% of the total open interest of the market in index options, whichever is higher, per Stock Exchange. • This limit would be applicable on open positions in all options contracts on a particular underlying index. Position limit for the Fund in index futures contracts: The position limit for the Mutual Fund in index futures contracts shall be as follows: • The Fund's position limit in all index futures contracts on a particular underlying index shall be Rs. 500 Crores or 15% of the total open interest of the market in index futures, whichever is higher, per Stock Exchange. • This limit would be applicable on open positions in all futures contracts on a particular underlying index. Additional position limit in index derivatives for hedging of the Fund: In addition to the position limits above, the Fund may take exposure in equity index derivatives subject to the following limits: • Short positions in index derivatives (short futures and long puts) shall not exceed (in notional value) the Fund's holding of stocks. • Long positions in index derivatives (long futures and long calls) shall not exceed (in notional value) the Fund's holding of cash, government securities, T-Bills and similar instruments. Position limit for the Fund for stock based derivative contracts: The position limit for the Mutual Fund in a derivative contract on a particular underlying stock, i.e. stock option contracts and stock futures contracts shall be as follows: • For stocks having an applicable market-wise position limit (MWPL) of Rs. 500 Crores or more, the combined futures and options position limit shall be 20% of applicable MWPL or Rs. 300 Crores, whichever is lower and within which stock futures position cannot exceed 10% of applicable MWPL or Rs. 150 Crores, whichever is lower. • For stocks having an applicable market-wise position limit (MWPL) less than Rs. 500 Crores, the combined futures and options position limit would be 20% of applicable MWPL and futures position cannot exceed 20% of applicable MWPL or Rs. 50 Crores whichever is lower. Position limit for the Scheme: The position limit / disclosure requirements for the Scheme shall be as follows: • For stock option and stock futures contracts, the gross open position across all derivative contracts on a particular underlying stock of the Scheme shall not exceed the higher of: 441% of the free float market capitalisation (in terms of number of shares) OR 5% of the open interest in the derivative contracts on a particular underlying stock (in terms of number of contracts (Shares). • For index based contracts, the Fund shall disclose the total open interest held by its Scheme or all Schemes put together in a particular underlying index, if such open interest equals to or exceeds 15% of the open interest of all derivative contracts on that underlying index. These position limits shall be applicable on the combined position in all derivative contracts on an underlying stock at a stock exchange. Exposure Limit: Consolidated 1. The cumulative gross exposure through equity, debt and derivative positions should not exceed 100% Std Obs.17 of the net assets of the Scheme. 2. The Scheme shall not write options or purchase instruments with embedded written options. 3. The total exposure related to option premium paid shall not exceed 20% of the net assets of the Scheme. 4. Cash or cash equivalent instruments under the Scheme, with residual maturity of less than 91 days shall be treated as not creating any exposure. 5. Exposure due to hedging positions may not be included in the above mentioned limits subject to the following: a. Hedging positions are the derivative positions that reduce possible losses on an existing position in securities and till the existing position remains. b. Hedging positions cannot be taken for existing derivative positions. Exposure due to such positions shall have to be added and treated as exposure while calculating cumulative gross exposure. c. Any derivative instrument used to hedge shall have the same underlying security as the existing position being hedged. d. The quantity of underlying associated with the derivative position taken for hedging purposes does not exceed the quantity of the existing position against which hedge has been taken. The Scheme shall enter into plain vanilla interest rate swaps for hedging purposes. The counter party in such transactions shall be an entity recognized as a market maker by RBI. Further, the value of the notional principal in such cases will not exceed the value of respective existing assets being hedged by the Scheme. Exposure to a single counterparty in such transactions should not exceed 10% of the net assets of the Scheme. 6. Exposure due to derivative positions taken for hedging purposes in excess of the underlying position against which the hedging position has been taken, shall be included while calculating cumulative gross exposure. 7. Each position taken in derivatives shall have an associated exposure as defined under. Exposure is the maximum possible loss that may occur on a position. However, certain derivative positions may theoretically have unlimited possible loss. Exposure in derivative positions shall be computed as follows: Position Exposure Long Future Futures Price * Lot Size * Number of Contracts Short Future Futures Price * Lot Size * Number of Contracts 45Option bought Option Premium Paid * Lot Size * Number of Contracts. Investment Restrictions pertaining to Debt Derivatives: In terms of Circular No. MFD.BC.191/07.01.279/1999-2000 and MPD. BC.187/07.01.279/1999-2000 dated November 1, 1999 and July 7, 1999 respectively issued by the RBI permitting participation by mutual funds in interest rate swaps and forward rate agreements, the Fund will use derivative instruments for the purpose of hedging and portfolio balancing. Further, the guidelines issued by the RBI from time to time for forward rate agreements and interest rate swaps and other derivative products will be adhered to by the Fund. Interest Rate Swaps (IRS) An IRS is an agreement between two parties to exchange stated interest obligations for an agreed period in respect of a notional principal amount. The most common form is a fixed to floating rate swap where one party receives a fixed (pre-determined) rate of interest while the other receives a floating (variable) rate of interest. Forward Rate Agreement (FRA) A FRA is basically a forward starting IRS. It is an agreement between two parties to pay or receive the difference between an agreed fixed rate (the FRA rate) and the interest rate (reference rate) prevailing on a stipulated future date, based on a notional principal amount for an agreed period. The only cash flow is the difference between the FRA rate and the reference rate. As is the case with IRS, the notional amounts are not exchanged in FRAs. Example of a derivatives transaction - Basic Structure of a Swap Bank A has a six-month V 10 crore liability, currently being deployed in call. Bank B has a V 10 crore, six-month asset, being funded through call. Both banks are running an interest rate risk. To hedge this interest rate risk, they can enter into a six-month MIBOR swap. Through this swap, A will receive a fixed pre-agreed rate (say 7%) and pay “call” on the NSE MIBOR (“benchmark rate”). Bank A paying at “call” on the benchmark rate will hedge the interest rate risk of lending in call. Bank B will pay 7% and receive interest at the benchmark rate. Bank A receiving of “call” on the benchmark rate will hedge its interest rate risk arising from its call borrowing. The mechanism is as follows:- • Assume the swap is for V 10 crore March 1, 2005 to September 1, 2005. A is a fixed rate receiver at 7% and B is a floating rate receiver at the overnight compounded rate. • On March 1, 2005, A and B will exchange only an agreement of having entered this swap. This documentation would be based on an International Swaps and Derivatives Association (ISDA) template. • On a daily basis, the benchmark rate fixed by NSE will be tracked by them. On September 1, 2005 they will calculate the following: • A is entitled to receive interest on R 10 crore at 7% for 184 days i.e. V 35.28 lakh, (this amount is known at the time the swap was concluded) and will pay the compounded benchmark rate. • B is entitled to receive daily compounded call rate for 184 days and pay 7% fixed. • On September 1, 2005, if the total interest on the daily overnight compounded benchmark rate is higher than V 35.28 lakhs, A will pay B the difference. If the daily compounded benchmark rate is lower, then B will pay A the difference. • Effectively, Bank A earns interest at the rate of 7% p.a. for six months without lending money for six months fixed, while Bank B pays interest @ 7% p.a. for six months on V 10 crore, without borrowing for six months 46fixed. As per the above-mentioned RBI circulars, mutual funds are permitted to do interest rate swaps / forward rate agreements for hedging purposes only. Accordingly, the AMC would undertake the same for similar purposes only. IRS and FRAs also have inherent credit and settlement risks. However, these risks are reduced as they are limited to the interest streams and not the notional principal amounts. Investments in derivatives will be in accordance with the SEBI (MF) Regulations/ guidelines and presently derivatives shall be used for hedging and / or portfolio balancing purposes, as permitted under the Regulations. The circumstances under which such transactions would be entered into would be when, using the IRS route, it is possible to generate better returns / meet the objective of the Scheme at a lower cost. For example, if buying a two-year MIBOR based instrument and receiving the two-year swap rate yields better return than buying the two-year AAA corporate instrument, the Scheme would endeavour to do that. Alternatively, the Scheme would also look to hedge existing fixed rate positions if the view on interest rates is that they are likely to rise in the future. Position limits for Exchange Traded Commodity Derivatives (ETCDs) For Agri commodities- For Clients (Scheme Wise) • Near month contract Level- Fixed number of lots as defined by the Exchanges. • For over all contracts- Fixed number of lots as defined by the Exchanges. For Agri commodities- For Trading Members (Fund Level) • Near month contract Level- Fixed Limit as defined by the Exchanges OR 25% of overall positions Limits in that commodity, whichever is higher. • For over all contracts - Fixed Limit as defined by the Exchanges OR 15% Overall Open Interest positions Limits in that commodity, whichever is higher. For Non-Agri commodities- For Clients (Scheme Wise) • Near month contract Level- Not Applicable • For over all contracts- Fixed Lots as defined by the Exchanges or 5% of the Open Interests whichever is higher. For Non-Agri commodities- For Trading Members (Fund Level) • Near month contract Level- Not applicable. • For over all contracts - Fixed Limit as defined by the Exchanges OR 20% of the Overall OI positions Limits in that commodity, whichever is higher. The Exchanges, however, in their own judgment, may prescribe limits lower than what is prescribed by SEBI by giving advance notice to the market under intimation to SEBI. These investment limitations/parameters as expressed (linked to the net asset / net asset value / capital) shall, in the ordinary course, apply as at the date of the most recent transaction or commitment to invest and changes do not have to be effected merely because, owing to appreciation or depreciation in value or by reason of the receipt of any rights, bonuses or benefits in the nature of capital or of any scheme of arrangement or for amalgamation, reconstruction or exchange, or at any repayment or redemption or other reason outside the control of the Trustee / AMC, any such limits would thereby be breached. 47The Trustee may alter the above restrictions from time to time to the extent that changes in the Regulations may allow and as deemed fit in the general interest of the Unit Holders. These investment restrictions shall be applicable at the time of investment and changes do not have to be effected merely because, owing to appreciations or depreciations in value, or by reason of the receipt of any rights, bonuses or benefits in the nature of capital or of any Schemes of arrangement or for amalgamation, reconstruction or exchange, or at any repayment or redemption or other reason outside the control of the Fund, any such limits would thereby be breached. If these limits are exceeded for reasons beyond its control, AMC shall as soon as possible take appropriate corrective action, taking into account the interests of the Unit holders. C. Fundamental Attributes Consolidated Following are the Fundamental Attributes of the scheme, in terms of Clause 1.14 of SEBI Master Std Obs.59 Circular for Mutual Funds dated June 27, 2024: i. Type of a scheme An open-ended scheme investing in Equity, Debt, Commodities and in units of REITs & InvITs ii. Investment Objective o Main Objective – Please refer to Part I. V ie “Investment Objective” mentioned under “Highlights/Summary of the Scheme” o Investment pattern – Please refer to Part II.A “HOW WILL THE SCHEME ALLOCATE ITS ASSETS?” iii. Terms of Issue – o Liquidity provisions such as listing, repurchase, redemption - Please refer to the Part I o Aggregate fees and expenses charged to the scheme: Please refer to the section Part II Other details o Any safety net or guarantee provided: None 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 • 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): Not Applicable 48E. PRINCIPLES OF INCENTIVE STRUCTURE FOR MARKET MAKERS (FOR ETFS): Not Applicable F. Floors and ceiling within a range of 5% of the intended allocation against each sub class of asset, as per clause 13.6.2 of SEBI master circular for mutual funds dated June 27, 2024– Not Applicable G. Other Scheme Specific Disclosures: Listing and transfer of units The Scheme being an open-ended Scheme under which the Units are available for Subscription and Redemption on an ongoing basis on all the Business Days, the Units of the Scheme are not proposed to be listed on any stock exchange. However, the AMC/ Trustee reserves the right to list the Units of the Scheme as and when the AMC/ Trustee considers it necessary in the interest of Unit holders of the Scheme. There are no restrictions on transfer of Units of the Scheme whether held in Statement of Account (physical) mode or dematerialised mode. Further, the Units held in dematerialized form can be transferred and transmitted in accordance with the provisions of SEBI (Depositories and Participants) Regulations, as may be amended from time to time. Further, additions / deletions of names of Unit holders will not be allowed under any folio of the Scheme. However, the said provisions will not be applicable in case a person (i.e. a transferee) becomes a holder of the Units by operation of law or upon enforcement of pledge, then the AMC shall, subject to production of such satisfactory evidence and submission of such documents, proceed to effect the transfer, if the intended transferee is otherwise eligible to hold the Units 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 of Units and not transfer Consolidated Dematerialization of units The Scheme offers option to hold units in electronic (demat) Std Obs.57 mode. Accordingly, the Units of the Scheme will be available in dematerialized (electronic) form. The option to hold units in electronic (demat) mode is not available for plans/options where the IDCW frequency is less than one month. The applicant intending to hold Units in dematerialized form will be required to have a beneficiary account with a Depository Participant (DP) of NSDL/CDSL and will be required to mention in the application form DP Name, DP ID and Beneficiary Account Number with the DP at the time of subscribing Units of the Schemes. In case Unit holders do not provide their demat account details or the demat details provided in the application form are incomplete / incorrect or do not match with the details with the Depository records, the Units will be allotted in account statement mode provided the application is otherwise complete in all respect. Further, if the Units cannot be allotted in demat mode due to reason that KYC details including IPV is not 49updated with DP, the Units will be allotted in non-demat mode subject to compliance with necessary KYC provisions and the application is otherwise complete in all respect. Minimum Target amount The Fund seeks to collect a minimum subscription amount of (This is the minimum amount Rs. 10,00,00,000/- (Rupees ten crores only) under the scheme. 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 There is no upper limit on the total amount that may be any) collected. Dividend Polic y ( IDCW ) The Trustee will endeavor to declare IDCW under the IDCW Option, subject to availability of distributable surplus calculated in accordance with the Regulations. 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 be 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. 50Allotment (Detailed procedure) Subject to the receipt of the specified Minimum Subscription Amount for the Scheme, full allotment will be made to all valid applications received during the New Fund Offer. The AMC/ Trustee reserves the right to reject any application inter alia in the absence of fulfilment of any regulatory requirements, fulfilment of any requirements as per the SID, incomplete/incorrect documentation and furnishing necessary information to the satisfaction of the Mutual Fund/AMC. Allotment will be completed within 5 business days after the closure of the New Fund Offer. Allotment of units and dispatch of allotment advice to FPI will be subject to RBI approval if required. Investors who have applied in non-depository mode will be entitled to receive the account statement of units within 5 Business Days of the closure of the NFO Period. For applicants applying through the ASBA mode, on intimation of allotment by KFIN to the banker the investors account shall be debited to the extent of the amount due thereon. On allotment, units will be credited to the Investor’s demat account as specified in the ASBA application form. The Asset Management Company shall, on production of instrument of transfer together with relevant documents, register the transfer within 30 days from the date of such production. The Units of the Scheme held in the dematerialised form will be fully and freely transferable (subject to lock-in period, if any and subject to lien, if any marked on the units) in accordance with the provisions of SEBI (Depositories and Participants) Regulations, 2018 as may be amended from time to time and as stated in paragraph 14.4.4 of SEBI Master circular dated June 27, 2024. Further, for the procedure of release of lien, the investors shall contact their respective DP. 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. 51Refund If application is rejected, full amount will be refunded within 5 working days of closure of NFO. If refunded later than 5 working days @ 15% p.a. for delay period will be paid and charged to the AMC. Who can invest The following persons are eligible to apply for subscription to This is an indicative list and investors 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 ascertain whether the scheme is respective constitutions and relevant statutory 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 Portfolio Investors (FPIs) 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; 14. 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. 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: 521. 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. The 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 FII or sub account of FII or otherwise explicitly permitted under FEMA Act/ by RBI/ by any other applicable authority or where they falls under the category of QFIs/FPIs. • 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. 53• Such other persons as may be specified by AMC from time to time. How to Apply and other details Investors may obtain Key Information Memorandum (KIM) Consolidated Std Obs.35 along with the application forms from the AMC offices or Customer Service Centers of the Registrar or may be downloaded from www.growwmf.in (AMC’s website). Please refer to the SAI and Application Form for the instructions. An Application Form accompanied by a payment instrument issued from a bank account other than that of the Applicant / Investor will not be accepted except in certain circumstances. For further details, please refer paragraph ―Non – acceptance of Third Party Payment Instruments for subscriptions / investments under the section ―How to Apply in SAI. Bank Details: In order to protect the interest of Unit holders from fraudulent encashment of redemption / IDCW cheques, Consolidated SEBI has made it mandatory for investors to provide their Std Obs.61 bank details viz. name of bank, branch, address, account type and number, etc. to the Mutual Fund. Applications without complete bank details shall be rejected. The AMC will not be responsible for any loss arising out of fraudulent encashment of cheques / warrants and / or any delay / loss in transit. Also, please refer to point on Registration of Multiple Bank Accounts in respect of an Investor Folio given elsewhere in this document. 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 of freely retain or dispose of units being lock-in period, if any) and issuing units of the Scheme on an offered. 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. 54RIGHT TO RESTRICT REDEMPTION AND / OR SUSPEND REDEMPTION OF THE UNITS: The Fund at its sole discretion reserves the right to restrict Redemption (including switchout) of the Units (including Plan /Option) of the Scheme of the Fund upon occurrence of the below mentioned events for a period not exceeding ten (10) working days in any ninety (90) days period subject to approval of the Board of Directors of the AMC and the Trustee. The restriction on Redemption (including switch-out) shall be applicable where the Redemption (including switch-out) request is for a value above Rs. 2,00,000/- (Rupees Two Lakhs). Further, no restriction shall be applicable to the Redemption / switch-out request upto Rs. 2,00,000/- (Rupees Two Lakhs). It is further clarified that, in case of redemption request beyond Rs. 2,00,000/- (Rupees Two Lakhs), no restriction shall be applicable on first Rs. 2,00,000/- (Rupees Two Lakhs). The Trustee / AMC reserves the right to restrict Redemption or suspend Redemption of the Units in the Scheme of the Fund on account of circumstances leading to a systemic crisis or event(s) that severely constrict market liquidity or the efficient functioning of the markets. A list of such circumstances under which the restriction on Redemption or suspension of Redemption of the Units in the Scheme of the Fund may be imposed are as follows: 1. Liquidity issues- when market at large becomes illiquid affecting almost all securities rather than any issuer specific security; or 2. Market failures / Exchange closures; or 3. Operational issues; or 4. If so directed by SEBI. It is clarified that since the occurrence of the abovementioned eventualities have the ability to impact the overall market and liquidity situation, the same may result in exceptionally large number of Redemption requests being made and in such a situation the indicative timelines (i.e. within 3-4 Business Days) mentioned by the Fund in the scheme offering documents, for processing of requests for Redemption may not be applicable. 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. Cut off timing for subscriptions/ Applicable NAV for Purchases/Switch-ins redemptions/ switches 1. In respect of valid applications received upto 3.00 p.m. on a business day and entire amount is available in the mutual fund’s This is the time before which your account for utilization before the cut off time of the same day – application (complete in all respects) closing NAV of the day of receipt of application; should reach the official points of 2. In respect of valid applications received after 3.00 p.m. on a business day and the entire amount is available in the mutual acceptance. fund’s account for utilization before cut off time of the next business day – the closing NAV of the next business day; 3. Irrespective of the time of receipt of the application where the 55entire amount is available in Mutual fund’s account for utilization before cut off time on any subsequent business day – the closing NAV of such subsequent business day. The above cut-off timings and applicability of NAV shall be applicable in respect of valid applications received at the Official Point(s) of Acceptance on a Business Day: 1. It is clarified that switches will be considered as redemption in the switch-out scheme and purchase / subscription in the switch-in scheme. 2. Cheques received on a business day may be deposited with the primary bankers of the respective location on the next business day. NAV shall be as per the applicable NAV mentioned above. To enable early sighting of funds by the schemes, investors are requested to avail of electronic facilities like RTGS / NEFT in respect of subscriptions and submit the proof of transfer of funds along with their applications. AMC shall not be responsible for any delay on account of banking clearance or circumstances which are beyond the control of AMC. 3. The provisions for applicability of NAV based on realization of funds will be applicable to all types of investment including various systematic investments routes (viz, SIP, STP, DTP etc.) as may be offered by the Scheme from time to time. Applicable NAV for Redemption/ Switch outs a) where the application received upto 3.00 pm – closing NAV of the day of receipt of application; and b) an application received after 3.00 pm – closing NAV of the next business day. Further, where the AMC or the Registrar has provided a facility to the investors to redeem /switch-out of the Scheme through the medium of Internet by logging onto specific web-sites or any other facilities offered by the AMC and where investors have signed up for using these facilities, the Applicable NAVs will be as provided above. Technical issues when transactions are processed through online facilities/ electronic modes: The time of transaction done through various online facilities / electronic modes offered by the AMC, for the purpose of determining the applicability of NAV, would be the time when the request for purchase / SIP/ sale / switch of units is received in the servers of AMC/RTA. In case of transactions through online facilities / electronic modes, there may be a time lag of few seconds or upto 1-7 banking days between the amount of subscription being debited to investor's bank account and the subsequent credit into the respective Scheme's bank account. This lag may impact the applicability of NAV for transactions where NAV is to be applied, based on actual realization of funds by the Scheme. Under no circumstances will Groww Asset Management Limited or its bankers or its service 56providers be liable for any lag / delay in realization of funds and consequent pricing of units. The AMC has the right to amend cut off timings subject to SEBI (MF) Regulations for the smooth and efficient functioning of the Scheme. Representation of SIP transaction which have failed due to technical reasons will also follow same rule. Minimum amount for Purchase: purchase/redemption/switches Investors can invest under the Scheme during the New Fund (mention the provisions for ETFs, Offer period and ongoing offer period with a minimum as investment of Rs. 500/- and in multiples of Re. 1/- thereafter. may be applicable, for direct subscription/redemption with AMC Additional Purchase: Rs. 500/- and in multiples of Re.1/- thereafter. Investments through SIP: Rs. 500/- and in multiples of Re.1/- thereafter. Switch: During the NFO period (Only from schemes in which switch facility is available) of the Mutual Fund. The switch request will only be taken in amount which has to be for a Minimum Purchase Value of Rs. 500/- and in multiples of Re. 1/-. A switch has the effect of redemption from one scheme/plan/option and a purchase in the other scheme/plan/option to which the switching has been done and accordingly the exit load shall be applicable, if any. The price at which the units will be switched-out will be based on the redemption price of the scheme from which switch-out is done and the proceeds will be invested into the scheme at the NFO Price. The balance amount if any, will be refunded to the investor. Minimum Redemption Amount: The minimum redemption amount shall be Rs. 500 or ‘any number of units’ as requested by the investor at the time of redemption request. The Minimum Application and redemption amount mentioned above shall not be 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. 57Accounts Statements The AMC shall send an allotment confirmation specifying the Consolidated units allotted by way of email and/or SMS within 5 working Std Obs.60 days of receipt of valid application/transaction to the Unit holders registered e-mail address and/ or mobile number (whether units are held in demat mode or in 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 by mail or email on or before 15th of the succeeding month. Half-yearly CAS shall be issued at the end of every six months (i.e. September/ March) on or before 21st day of succeeding month, to all investors providing the prescribed details across all schemes of mutual funds and securities held in dematerialized form across demat accounts, if applicable For further details, refer SAI. Dividend/ IDCW The IDCW warrants shall be dispatched to the unit holders within 7 working days of the date of declaration of IDCW. In case of Unit Holder having a bank account with certain banks with which the Mutual Fund would have made arrangements from time to time, the IDCW proceeds shall be directly credited to their account. The IDCW will be paid by warrant and payments will be made in favor of the Unit holder (registered holder of the Units or, if there is more than one registered holder, only to the first registered holder) with bank account number furnished to the Mutual Fund (please note that it is mandatory for the Unit holders to provide the Bank account details as per the directives of SEBI). Further, the IDCW proceeds may be paid by way of ECS/EFT/NEFT/RTGS/any other manner through which the investor’s bank account specified in the Registrar & Transfer Agent’s records is credited with the IDCW proceeds as per the instructions of the Unit holders. In case the delay is beyond 7 working days, then the AMC shall pay interest @ 15% p.a. from the expiry of 7 working days till the date of dispatch of the warrant. 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 58Bank Mandate It is mandatory for every applicant to provide the name of the bank, branch, address, account type and number as per SEBI requirements and any Application Form without these details will be treated as incomplete. Such incomplete applications will be rejected. The Registrar / AMC may ask the investor to provide a blank cancelled cheque or its photocopy for the purpose of verifying the bank account number. 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 Consolidat Unclaimed Redemption and Income As per the Clause 14.3 of SEBI Master Circular dated June 27, ed Distribution cum Capital Withdrawal 2024, the unclaimed Redemption and dividend amounts shall be Std Obs.52 Amount deployed by the Fund in call money market or money 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. Consolida Disclosure w.r.t investment by minors As per Para 17.6 of SEBI Master dated June 27, 2024 read with ted SEBI Circular dated May 12, 2023, the following Process for Std Investments in the name of a Minor through a Guardian will be Obs.37 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 upon a Change of Pay-out Bank mandate before redemption is processed. 59III. 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 – Not Applicable B. Periodic Disclosures such as Half yearly disclosures, half yearly results, annual report • Portfolio / Financial Results: This is a list of securities where the corpus of the scheme is currently invested. The market value of these investments is also stated in portfolio disclosures. The Mutual Fund shall within one month of the close of each half year i.e., 31st March and 30th September, upload the soft copy of its unaudited financial results containing the details specified in Regulation 59 on its website and shall publish an advertisement disclosing uploading of such financial results on its website, in one English newspaper having nationwide circulation and in one regional newspaper circulating in the region where the head office of the Mutual Fund is situated. Further, the mutual fund shall also disclose the debt and money market securities transacted (including inter scheme transfers) in schemes portfolio on daily basis with a time lag of 15 days. The Mutual Fund shall disclose the scheme portfolios as on the last day of the month/ as on the last day of every half year ended March and September within 10 days from the close of each month / half-year respectively. Further, the Mutual Fund shall also disclose portfolio of the scheme on a fortnightly basis within 5 days from the end of the fortnight. The disclosure shall be https://www.growwmf.in/statutory- disclosure/portfolio and https://www.growwmf.in/financials/half-yearly-unaudited-financials-&-portfolio and www.amfiindia.com. The AMC shall send via email the fortnightly statement of scheme portfolio within 5 days from the close of each fortnight and the monthly and half-yearly statement of scheme portfolio within 10 days from the close of each month / half-year respectively. Mutual Fund shall publish an advertisement every half-year disclosing the hosting of the half-yearly statement of its schemes portfolio on its website and on the website of AMFI. Such advertisement shall be published in the all India edition of at least two daily newspapers, one each in English and Hindi. Mutual Fund shall provide a physical copy of the statement of its scheme portfolio, without charging any cost, on specific request received from a unitholder. Annual Report: As required by the SEBI (MF) Regulations, the Fund will mail the scheme wise annual report or an abridged summary thereof to all the unitholders as soon as practical after 31st March each year but not later than four months thereafter, as the Trustee may decide. In case of unitholders whose e-mail addresses are available with the Mutual Fund, the annual report or the abridged summary, as the case may be, would only be sent by email and no physical copies would be mailed to such unitholders. However, those unitholders who still wish to receive physical copies of the annual report/abridged summary notwithstanding their registration of e-mail addresses with the Fund, may indicate their option to the AMC in writing and AMC shall provide the same at nominal price. For the rest of the investors, ie whose email addresses are not available with the mutual fund, the AMC shall send physical copies of scheme annual reports or abridged summary to those unitholders who have opted-in to receive physical copies. The AMC shall display link of the Scheme annual reports or abridged summary prominently on the Fund’s website and AMFI website and make the physical copies available to the investors at its registered office at all times. C. Transparency/NAV Disclosure (Details with reference to information given in Section I) The AMC will calculate and disclose the first NAV under the Scheme not later than 5 Business Days from Consolidated the date of allotment of units under the NFO Period. Subsequently, the NAV will be calculated and Std Obs. 41 60disclosed at the close of every Business Day. As required by SEBI, the NAVs shall be disclosed in the following manner: i) Displayed on the website of the Mutual Fund https://www.growwmf.in/nav ii) Displayed on the website of Association of Mutual Funds in India (AMFI) (www.amfiindia.com). Any other manner as may be specified by SEBI from time to time. The same shall also be communicated to the Stock exchange(s), where the units will be listed. Mutual Fund / AMC will provide facility of sending latest available NAVs to unitholders through SMS, upon receiving a specific request in this regard. The AMC shall update the NAVs on the website of the Mutual Fund https://www.growwmf.in/nav and on the website of Association of Mutual Funds in India - AMFI www.amfiindia.com by 11.00 p.m. on every Business Day or by 09.00 a.m. on the following Business Day (In case the Scheme has exposure to Exchange Traded Commodity Derivatives (ETCDs)). In case of any delay, the reasons for such delay would be explained to AMFI in writing. If the NAVs are not available before commencement of business hours on the following day due to any, the Mutual Fund shall issue a press release giving reasons and explaining when the Mutual Fund would be able to publish the NAVs. D. Transaction charges and stamp duty- Indicate only the amount of transaction charges and stamp duty applicable. TRANSACTION CHARGES: SEBI with the intent to enable investment by people with small saving potential and to increase reach of Mutual Fund products in urban areas and in smaller towns, wherein the role of the distributor is vital, has allowed AMCs under clause 10.5 of SEBI Master Circular SEBI/HO/IMD/IMD-PoD-1/P/CIR/2024/90 dated June 27, 2024 to deduct transaction charges for subscription of Rs. 10,000/- and above. The said transaction charges will be paid to the distributors of the Mutual Fund products (based on the type of product). In accordance with the said circular, AMC / Mutual Fund will deduct the transaction charges from the subscription amount and pay to the distributors (based on the type of product and those who have opted to receive the transaction charges) as shown in the table below. Thereafter, the balance of the subscription amount shall be invested. (i) Transaction charges shall be deducted for Applications for purchase/ subscription received by distributor as under: Investor Type Transaction Charges First Time Mutual Fund Investor Transaction charge of Rs.150/- for subscription of Rs.10,000 and above will be deducted from the subscription amount and paid to the distributor/agent of the first time investor. The balance of the subscription amount shall be invested. Investor other than Transaction charge of Rs. 100/- per subscription of First Time Mutual Rs, 10,000 and above will be deducted from the Fund Investor subscription amount and paid to the distributor/ agent of the investor. The balance of the subscription amount shall be invested. (ii) Transaction charges shall not be deducted for: • Purchases /subscriptions for an amount less than Rs. 10,000/-; and • Transactions other than purchases/ subscriptions relating to new inflows such as Switches, etc. • Any purchase/subscription made directly with the Fund (i.e. not through any distributor). • Transactions carried out through the stock exchange platforms. 61Applicability 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- For details on taxation please refer to the clause on Taxation in the SAI apart from the following: This information is provided for general information only and is based on the prevailing tax laws, as applicable in case of this Scheme. However, in view of the individual nature of the implications, each investor is advised to consult his or her own tax advisors/ authorised dealers with respect to the specific amount of tax and other implications arising out of his or her participation in the schemes. Groww Mutual Fund is registered as a Mutual Fund with Securities and Exchange Board of India (‘SEBI’) under SEBI (Mutual Fund) Regulations, 1996. Any income earned by such mutual fund registered with SEBI is exempt from taxation as per section 10(23D) of the Income Tax Act, 1961 (’Act’) Type of Capital Gain Condition Income Tax Rates TDS Rates Resident/ FII Reside NRI/ PIO/ nt OCBs N / FII RI/ & others Other non FII non- residents Tax on Dividend The Finance Act, 2020, abolished dividend distribution tax (DDT) and tax exemption on income received from mutual fund in the hands of investor. as provision of section 10 (35) is rescinded. Further, Income is taxable in the hands of investor as per the applicable tax rates. 62Short Term Capital Gain (redemption before completing 24 months of Other cases Normal rate 30% Nil 30% for holding) of tax Non- applicable resident to the other assessee than corporate s 35% for non- residents corporat es, FII & Others Long Term STT has been 12.5% 12.5 Nil 12.5% Capital Gain paid on % (redemption after redemption completing 24 months of holding) PIO: Person of Indian origin NRI: Non-resident Indian FII: Foreign Institutional investor OCB: Overseas Corporate Body # Under section 112A of the Act, where long term capital gain exceeds Rs. 1,25,000/- tax is payable @ 12.5 % plus applicable surcharge and cess (without indexation benefit).- Not applicable for other than equity Taxability in the hands of Investor If the units are held as stock-in-trade of a business, the said income will be taxed at the rates at which the normal income of that investor is taxed. If the units are held as investments, the said income will be taxed as capital gains. In such case, the tax rates applicable will depend on whether the gain on sale of units is classified as a short-term capital gain or a long-term capital gain. Tax on Income Distributed by a Mutual Fund Finance Act, 2020 has amended the provision of section 115R of the Act (Dividend Distribution Tax) to provide that the income distributed on or before 31st March 2020 shall only be covered under the provision of this section. With effect from 1st April, 2020, dividend or income distribution by mutual fund on units is taxable in the hands of unit holders at the applicable rates * As per provision of section 194K of the Act, where the amount of income credited or paid in a financial year, in aggregate, does not exceed Rs. 10 ,000, no withholding is required to be carried out. However, 63the scheme shall be withholding tax when the aggregate amount in financial year at Permanent Account Number (PAN) level exceeds Rs. 9,000. Tax rates mentioned above are further increased by surcharge and health and education cess as may be applicable for respective investor. Surcharge and cess shall not be applied on basic tax while deducting TDS, if any, on income of resident investors. Surcharge Rates Individual Partnership Domestic Foreign Total income /HUF ~~ Firms & Co- Companies* Companies operative Societies Less than or equal NIL NIL NIL NIL to 50 lakhs >50 lakhs <= 1 10% NIL NIL NIL crore >1 crore <= 2 15% 12% 7% 2% crores >2 crores <= 5 25% 12% 7% 2% crores >5 crores <= 10 37% 12% 7% 2% crores >10 crores 37% 12% 12% 5% ~~Surcharge rate shall not exceed 25% in case of individual and HUF opting for new tax regime under section 115BAC of the Act. In case total income includes income by way of dividend on shares, short- term capital gains on units of equity oriented mutual fund schemes and long-term capital gains on mutual fund schemes, the rate of surcharge on the said type of income not to exceed 15% [refer clause on Taxation in the SAI for further details] * 10% basic surcharge (irrespective of taxable income) for domestic companies availing benefit under section 115BAA and section 115BAB of the Act. Tax plus surcharge shall be further increased by a health and education cess of 4 percent. DTAA Benefits Taxability in the hands of non-resident investor shall be subject to Double Taxation Avoidance Agreement (“DTAA” or “tax treaty”) benefits which can be claimed in the return of income to be filed by such investors, as applicable. Further, such DTAA benefit may also be claimed at the time of withholding of taxes (subject to requisite documents for claiming DTAA benefit made available by investor to the Mutual Fund). The investors should obtain specific advice from their tax advisors regarding the availability of the tax treaty benefits. AADHAR Linking As per section 139AA of the Act read with rule 114AAA of the Income-tax Rules, 1962, in the case of a resident person, whose PAN has become inoperative due to non-linking of PAN with Aadhaar, it shall be deemed that he has not furnished the PAN and tax could be withheld at a higher rate of 20% as per section 206AA of the Act. Securities Transaction Tax (STT) 64STT is payable on sale (redemption) of units of an Equity Oriented funds mutual fund. DISCLAIMER: The information given here is neither a complete disclosure of every material fact of Income-tax Act 1961 nor does it constitute tax or legal advice. Investors are requested to review the prospectus carefully and obtain expert professional advice with regard to specific legal, tax and financial implications of the investment/participation in the scheme G. Rights of Unitholders- Please refer to SAI for details. H. List of official points of acceptance: Please refer to 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 Std Which Action May Have Been Taken Or Is In The Process Of Being Taken By Any Obs.48 Regulatory Authority & 49 The said information has been disclosed in good faith as per the information available to the AMC at https://www.growwmf.in/downloads/penalties-&-pending-litigation Consolidated Notwithstanding anything contained in the Scheme Information Document the provisions of the SEBI Std Obs.63 (Mutual Funds) Regulations, 1996 and the Guidelines thereunder shall be applicable. The Scheme Information Document containing details of the Scheme of Groww Mutual Fund, had been approved by the Board of Groww Trustee Limited on May 30, 2025. The Board of Directors of Groww Trustee Limited have ensured that the scheme approved by them is a new product offered by the Mutual Fund and is not a minor modification of the existing scheme/fund/ product. For and on behalf of the Board of Directors of Groww Asset Management Ltd. Sd/- Varun Gupta CEO Date: June 02, 2025 Place: Mumbai 65Name 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: Lower Parel: 505 – 5th Floor, Tower 2B, One World Centre, Near Prabhadevi Railway Station, Lower Parel, Mumbai – 400013, Maharashtra, Tele-+91 22 69744435 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 (formerly known as Indiabulls Mutual Fund) for non-financial transactions. 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 Kfin Technologies Ltd Sas No: 490 Hemadri Arcade 2Nd Main Road Salgame Road Near Brahmins Boys 6 Hassan Karnataka Hostel Hassan 573201 66Kfin Technologies Ltd R R Mahalaxmi Mansion Above Indusind Bank 2Nd Floor Desai Cross Pinto 7 Hubli Karnataka Road 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- 19 Gandhinagar Gujarat 382421 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 Kfin 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 67395002 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 Kfin Technologies Ltd 55/18 Jeney Building 2Nd Floor S N Road Near Aravind Eye Hospital Tirunelveli 46 Tirunelveli Tamil Nadu 627001 68Kfin 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 Andhra Beside Sbi Bank Near Tower Clock Ananthapur- 54 Ananthapur Pradesh 515001. Andhra Kfin Technologies Ltd 2Nd Shatter 1St Floor Hno. 6- 55 Guntur 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 Andhra Kfin Technologies Ltd Shop No:47 2Nd Floor S 58 Kurnool 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 Andhra Satya Nilayam,1st Floor, Vadrevu vari Veedhi, T - 60 Rajahmundry 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 Andhra Street, Opp Tulasi Das Hospital, CB Road, Srikakulam 62 Srikakulam Pradesh Andhra Pradesh - 532001 Kfin Technologies Ltd Shop No:18-1-421/F1 City Andhra Center K.T.Road Airtel Backside Office Tirupathi - 63 Tirupathi Pradesh 517501 Kfin Technologies Ltd Hno26-23 1St Floor Andhra Sundarammastreet Gandhinagar Krishna Vijayawada 64 Vijayawada Pradesh 520010 Kfin Technologies Ltd Dno : 48-10-40 Ground Floor Surya Ratna Arcade Srinagar Opp Roadto Lalitha Andhra Jeweller Showroom Beside Taj Hotel Ladge 65 Visakhapatnam Pradesh Visakhapatnam 530016 69Kfin 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. Madhya 48A Opposite City Hospital Zone-2 M P Nagar Bhopal 72 Bhopal 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- Madhya 4 Diamond Colony New Palasia Above Khurana 74 Indore Pradesh Bakery Indore - 452001 Madhya Kfin Technologies Ltd 2Nd Floor 290/1 (615-New) 75 Jabalpur 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 Madhya Kfin Technologies Ltd Ii Floor Above Shiva Kanch 79 Sagar Pradesh Mandir. 5 Civil Lines Sagar Sagar 470002 Kfin Technologies Ltd Heritage Shop No. 227 87 Madhya Vishvavidhyalaya Marg Station Road Near Icici Bank 80 Ujjain 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 Kfin 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 70Kfin 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 Kfin 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 71Kfin 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 Kfin 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 123 Gwalior Madhya Kfin Technologies Ltd City Centre Near Axis Bank - 72Pradesh 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 Madhya Front Of Dr. Lal Lab Old Housing Board Colony 135 Morena 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 Madhya Complex Ground Floor Opp Teerth Memorial Hospital 140 Rewa Pradesh Rewa 486001 Kfin Technologies Ltd Office No:- 61 First Floor 141 Rohtak Haryana Ashoka Plaza Delhi Road Rohtak 124001. KFin Technologies Ltd Near Shri Dwarkadhish Dharm 142 Roorkee Uttaranchal Shala, Ramnagar, Roorkee-247667 Madhya Kfin Technologies Ltd 1St Floor Gopal Complex Near 143 Satna Pradesh Bus Stand Rewa Roa Satna 485001 144 Shimla Himachal Kfin Technologies Ltd 1St Floor Hills View Complex 73Pradesh Near Tara Hall Shimla 171001 Madhya Kfin Technologies Ltd A. B. Road In Front Of 145 Shivpuri 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 155 Vashi Maharashtra Mall, 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 Kfin 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 163 Bhilwara Rajasthan Pur Road Gandhi Nagar Near Canarabank Bhilwara 74311001 KFin Technologies Limited H.No. 10, Himtasar House, 164 Bikaner Rajasthan Museum circle, Civil line, Bikaner, Rajasthan - 334001 Union Kfin Technologies Ltd First Floor Sco 2469-70 Sec. 165 Chandigarh 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 175 Moga Punjab Wali 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 Kfin 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 Andhra Kfin Technologies Ltd Dno-23A-7-72/73K K S Plaza 182 Eluru Pradesh Munukutla Vari Street Opp Andhra Hospitals R R Peta 75Eluru 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 Andhra Floor, Grand Truck road, Beside Hotel Minerva, 187 Nellore 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 Chhattisgarh ICRC, QUBE, 97, T.P. Nagar, Korba -495677 Madhya KFin Technologies Limited 106 Rajaswa Colony, Near 190 Ratlam 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. 76