Groww Multi Asset Omni FOF

DRAFT SCHEME INFORMATION Consolidated DOCUMENT Std Obs.1 Groww Multi Asset Omni FOF (An open-ended fund of funds scheme investing in equity-oriented schemes, debt-oriented schemes and Gold & Silver ETFs) Consolidated This product is suitable for Scheme Riskometer Benchmark Riskometer (as Std Obs.3 investors who are seeking*: applicable) • Investments in a diversified Nifty 500 TRI (65%) + CRISIL portfolio of equity-oriented Composite Bond Fund Index (25%) schemes, debt-oriented + Domestic Gold Prices (5%) + schemes, Gold & Silver Domestic Silver Prices (5%) ETFs ● Long-term capital appreciation Investors should understand that their principal will be at very high risk Benchmark riskometer is 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. Offer for Sale of Units at Rs 10 as on the date of allotment for applications received during the New Fund Offer (“NFO”) period and at NAV based prices during the Ongoing Offer New Fund Offer Opens on: New Fund Offer Closes on: Scheme re-opens on: 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 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 1The particulars of the Scheme have been prepared in accordance with Securities and Exchange Board of India (Mutual Funds) Regulations 1996, (hereinafter referred to as SEBI (MF) Regulations) as amended till date and circulars issued thereunder filed with SEBI, along with a Due Diligence Certificate from the AMC. The units being offered for public subscription have not been approved or recommended by SEBI nor has SEBI certified the accuracy or adequacy of the Scheme Information Document. The Scheme Information Document sets forth concisely the information about the scheme that a prospective investor ought to know before investing. Before investing, investors should also ascertain about any further changes to this Scheme Information Document after the date of this Document from the Mutual Fund / Investor Service Centres / Website / Distributors or Brokers. The investors are advised to refer to the Statement of Additional Information (SAI) for details of Groww Mutual Fund, Standard Risk Factors, Special Considerations, Tax and Legal issues and general information on https://www.growwmf.in/downloads/sai SAI is incorporated by reference (is legally a part of the Scheme Information Document). For a free copy of the current SAI, please contact your nearest Investor Service Centre or log on to our website. The Scheme Information Document (Section I and II) should be read in conjunction with the SAI and not in isolation. This Scheme Information Document is dated August 08, 2025. 2TABLE OF CONTENTS PAGE NO. SECTION I 04 I. HIGHLIGHTS / SUMMARY OF THE SCHEME 04 II. INFORMATION ABOUT SCHEME 18 A. HOW WILL SCHEME ALLOCATE ITS ASSESTS 18 B. WHERE WILL THE SCHEME INVEST 22 C. WHAT ARE THE INVESTMENT STRATEGIES 22 D. HOW WILL THE SCHEME BENCHMARK ITS PERFORMANCE 23 E. WHO MANAGES THE SCHEME? 23 F. HOW IS THE SCHEME DIFFERENT FROM EXISTING SCHEMES OF THE MUTUAL FUND? 24 G. HOW HAS THE SCHEME PERFORMED 24 H. ADDITIONAL SCHEME RELATED DISCLOSURES 24 III. OTHER DETAILS 25 A. COMPUTATION OF NAV 25 B. NEW FUND OFFER (NFO) EXPENSES 26 C. ANNUAL SCHEME RECURRING EXPENSES 26 D. LOAD STRUCTURE 29 SECTION II. 30 I. INTRODUCTION 30 A. DEFINITION & INTERPRETATION 30 B. RISK FACTORS 30 C. RISK MITIGATION STRATEGIES 36 II. INFORMATION ABOUT SCHEME 38 A. WHERE WILL THE SCHEME INVEST? 38 B. WHAT ARE THE INVESTMENT RESTRICTIONS? 38 C. FUNDAMENTAL ATTRIBUTES 40 D. INDEX METHODOLOGY (FOR INDEX FUNDS, ETFS AND FOFS HAVING ONE UNDERLYING DOMESTIC ETF) 41 E. PRINCIPLES OF INCENTIVE STRUCTURE FOR MARKET MAKERS (FOR ETFS) 41 F. FLOORS AND CEILING WITHIN A RANGE OF 5% OF THE INTENDED ALLOCATION AGAINST EACH SUB CLASS OF 41 ASSET G. OTHER SCHEME SPECIFIC DISCLOSURES 41 III. OTHER DETAILS 53 A. IN CASE OF FUND OF FUNDS SCHEME, DETAILS OF BENCHMARK, INVESTMENT OBJECTIVE, INVESTMENT 53 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 REPORT 53 C. TRANSPARENCY/NAV DISCLOSURE 54 D. TRANSACTION CHARGES AND STAMP DUTY 54 E. ASSOCIATE TRANSACTIONS 55 F. TAXATION 55 G. RIGHTS OF UNITHOLDERS 56 H. LIST OF OFFICIAL POINTS OF ACCEPTANCE 56 I. PENALTIES, PENDING LITIGATION OR PROCEEDINGS, FINDINGS OF INSPECTIONS OR INVESTIGATIONS FOR 57 WHICH ACTION MAY HAVE BEEN TAKEN OR IS IN THE PROCESS OF BEING TAKEN BY ANY REGULATORY AUTHORITY 3SECTION I Part I. HIGHLIGHTS/SUMMARY OF THE SCHEME Sr. No. Title Description I. Name of the scheme Groww Multi Asset Omni FOF II. Category of the Scheme Funds of Funds – Domestic (FOF) III. Scheme type An open-ended fund of funds scheme investing in equity- oriented schemes, debt-oriented schemes and Gold & Silver ETFs Consolidated IV. Scheme code (To be disclosed after obtaining scheme code) Std Obs.7 V. Investment objective The primary objective of the Scheme is to generate capital appreciation and income through a diversified portfolio of equity, Consolidated debt, Gold & Silver ETFs. There is no assurance or guarantee that the Std Obs.5 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. Listing details The Scheme being open ended, the Units are not proposed to be listed on any stock exchange and no transfer facility on the exchange is provided. However, the Trustee reserves the right to list the units as and when open-end Schemes are permitted to be listed under the SEBI (MF) Regulations, and if the Trustee considers it necessary in the interest of unit holders of the Scheme. VII. Benchmark (Total Return Nifty 500 TRI (65%) + CRISIL Composite Bond Fund Index (25%) Index) + Domestic Gold Prices (5%) + Domestic Silver Prices (5%) Justification for use of benchmark: Crisil Composite Bond Fund Index tracks performance of a debt portfolio that includes government securities and AAA/AA+/AA rated corporate bonds across maturities. The Nifty 500 Index represents top 500 companies based on full market capitalisation from the eligible universe. The price of Gold and Silver represent the exposure of respective metals in the portfolio. The composition of the benchmark is such that it is suited for comparing the performance of the scheme. The AMC/Trustees reserves the right to change benchmark in future for measuring performance of the scheme and as per the guidelines and directives issued by SEBI from time to time. 4VIII. 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 10.00 a.m. on the next Business Day. Further Details in Section II. IX. Applicable timelines Timeline for Dispatch of redemption proceeds: The redemption or repurchase proceeds shall be credited to the registered bank account/dispatched to the unitholders within 03 working days from the date of redemption or repurchase. In case of exceptional situations, additional time for redemption payment may be taken. This shall be in line with AMFI letter dated January 16, 2023. Dispatch of IDCW: The IDCW warrants shall be dispatched to the unitholders within 07 working days of the date of declaration of the IDCW. In case of Unit holders having a bank account with certain banks with which the Mutual Fund would have an arrangement from time to time, the IDCW proceeds shall be electronically credited to their account. In case of specific request for IDCW by warrants/cheques/demand drafts or unavailability of sufficient details with the Fund, the IDCW will be paid by warrant/cheques/demand drafts and payments will be made in favour of the unitholder (registered holder of the Unit or, if there are more than one registered holder, only to the first registered holder) with bank account number furnished to the Fund. Please note that it is mandatory for the unitholders to provide the bank account details as per SEBI guidelines. X. Plans and Options The Scheme will have Regular Plan and Direct Plan** with a common Plans/Options and sub portfolio and separate NAVs. Investors should indicate the Plan for options under the Scheme 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 Omni FOF - Direct Plan”. Treatment for investors based on the applications received is given in the table below: Investors should also indicate “Direct” in the ARN column of the application form. If the application is received incomplete with respect to not selecting Regular/Direct Plan, the application will be processed as under: 5Scenario Broker Code Plan Default Plan mentioned mentioned to be by the by the captured investor investor 1. Not Not Direct Plan mentioned mentioned 2. Not Direct Direct Plan mentioned 3. Not Regular Direct Plan mentioned Plan 4. Mentioned Direct Direct Plan 5. Direct Not Direct Plan mentioned 6. Direct Regular Direct Plan Plan 7. Mentioned Regular Regular Plan Plan 8. Mentioned Not Regular Plan mentioned In cases of wrong/ invalid/ incomplete ARN codes mentioned on the application form, the application shall be processed under Regular Plan. The AMC shall contact and obtain the correct ARN code within 30 calendar days of the receipt of the application form from the investor/ distributor. In case, the correct code is not received within 30 calendar days, the AMC shall reprocess the transaction under Direct Plan from the date of application without any exit load. **DIRECT PLAN: Direct Plan is only for investors who purchase /subscribe Units in a Scheme directly with the Mutual Fund or through the stock exchange and is not available for investors who route their investments through a Distributor XI. Load Structure Exit Load: Nil Consolidated Std Obs.47 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 AMC 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. 6• 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 Minimum Investment size Amount/switch in Initial Purchase Rs. 500/- and in multiples of Re. 1 for (Non- SIP) purchases and switch-in. SIP Purchase Daily - Rs.100 and in multiples of Re.1 Weekly - Rs. 100 and in multiples of Re.1 Monthly - Rs. 500 and in multiples of Re.1 Quarterly - Rs. 500 and in multiples of Re.1 XIII. Minimum Additional R s. 500 per application and in multiples of Re. 1 thereafter. Purchase Amount XIV. Minimum The minimum redemption amount shall be Rs. 500 and in multiples of Redemption/switch out Re. 1 thereafter. Consolidated amount Std Obs.36 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 its units to the investors. Minimum duration to be 3 working days and will not be kept open for more than 15 days Consolidated Std Obs.34 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 This is the price per unit that the investors have to pay to invest during the NFO. XVII. Segregated portfolio/side AMC may create segregated portfolio in the scheme. Consolidated Std Obs.53 pocketing disclosure For details, kindly refer SAI XVIII. Swing pricing disclosure Not applicable since it is an Equity oriented FOF Scheme XIX. Stock lending/short selling Subject to the SEBI (MF) Regulations as applicable from time to time, the Scheme will not participate in securities lending. The scheme will not engage in short selling. 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 In case 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 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 The Scheme is an open ended FOF scheme scheme (such as lock in, duration in case of target maturity scheme/close ended schemes) (as applicable) 8XXIII 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) 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 clearing]; In case of the auto debit facility, the default options (where auto debit period, frequency and SIP date are not indicated) will be as follows: • SIP auto debit period: The SIP auto debit will continue till 5 years. 9• 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: Daily – Every business day Weekly option - On every Friday of the week Monthly/ Quarterly option – 2nd, 8th, 15th or 23rd of the month/ of any month in the quarter Registration period: A minimum period of 8 business days shall be required for registration under STP. The default options (where the period, frequency and STP date are not indicated) will be as follows: • STP period: 12 instalments. • STP date: 15th of every month; and • STP frequency: Monthly Unitholder may change the amount (but not below the minimum 10specified amount) / frequency by giving written notice to any of the Official Point(s) of Acceptance at least 8 business days prior to next STP execution date. Units will be allotted/ redeemed at the applicable NAV of the respective dates of the Scheme on which such investments/withdrawals are sought from the Scheme. The STP may be terminated on a written notice of 8 business days by a unitholder of the Scheme. The STP will be automatically terminated if all units are liquidated or withdrawn from the source scheme or pledged or upon receipt of intimation of death of the unitholder. Systematic Withdrawal Plan (SWP) This facility enables unitholders to withdraw a fixed sum (subject to tax deduction at source, if applicable) by redemption of units in the unitholder‘s account at regular intervals through a one-time request. The conditions for investing in SWP will be as follows: SWP Frequency : Monthly; Quarterly Minimum SWP instalment amount: Monthly: Rs. 500/- and in multiples of Re.1/- thereafter; Quarterly – Rs.1500/- and in multiples of Re.1 thereafter Minimum No. of SWP instalments: Monthly - 12 instalments Quarterly – 4 installments SWP Dates: 2nd, 8th, 15th or 23rd of every month as the STP date (in case any of these days fall on a non-business day, the transaction will be effected on the next business day of the Scheme). Registration period: A minimum period of 8 calendar days shall be required for registration under SWP. The default options (where the period, frequency and SWP date are not indicated) will be as follows: • SWP period: The SWP will continue till 5 years. SWP frequency : Monthly • SWP date: 8th of every month. 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 11applicable NAV based prices. The minimum amount for sweep out to be Rs. 500/-. In case the sweep amount is less than Rs. 500/-, the IDCW amount shall be reinvested in the Source scheme. This facility shall be processed on the record date of the IDCW declared under the Source Scheme. Further, this facility shall not allow for switch of partial IDCW or switch of IDCW to multiple schemes. In case the investor fails to specify his preference of Option for the Target scheme into which the IDCW has to be swept, Sweep-in amount shall be invested in default plan / option as mentioned in Scheme Information Document (SID) of Target scheme. The Load Structure prevailing at the time of submission of the STP/SWP application will apply for all the installments indicated in such application. The AMC reserves the right to introduce STP/SWP/ IDCW Sweep Facility at any other frequencies or on any other dates as the AMC may feel appropriate from time to time. Transactions by Email: In order to facilitate quick processing of transaction and / or instruction of investment of investor the Mutual Fund / AMC / Trustee may (at its sole discretion and without being obliged in any manner to do so and without being responsible and /or liable in any manner whatsoever), accept and process any application, supporting documents and /or instructions submitted by an investor/ Unit holder by email at growwmf.inv@groww.in and the investor/Unit holder voluntarily and with full knowledge takes and assumes any and all risk associated therewith. The Mutual Fund / AMC/ Trustee shall have no obligation to check or verify the authenticity or accuracy of email purporting to have been sent by the investor and may act thereon as if the same has been duly given by the investor. In all cases the investor will have to immediately submit the original documents / instruction to AMC/ Mutual Fund/ Official Points of Acceptance unless indemnified by the investor. Transactions through Electronic Mode: The Mutual Fund may (at its sole discretion and without being obliged in any manner to do so and without being responsible and /or liable in any manner whatsoever), 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 ‘K-TRACK’ for transaction in the units of Groww Mutual Fund towards additional purchase, redemption or switch: Investors may execute additional purchase, redemption or switch transactions through K-TRACK mobile application provided by KFin Technologies Limited 12Transactions 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 MFUI. The AMC and/ or CAMS, Registrar and Transfer Agent (RTA) of the Fund shall provide necessary details to MFUI as may be needed for providing the required services to investors / distributors through MFU. 3. Investors will be allotted a CAN, a single reference number for all investments across Mutual Funds, for transacting in multiple Schemes of various Mutual Funds through MFU and to map existing folios, if any. 4. Currently, the transactions facilitated through MFU for the investors 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 14of the above documents is submitted, Investor shall submit the original to the AMC/ Service Centre for verification and the same shall be returned. In case of Multiple Registered Bank Account, Investor may choose one of the registered bank accounts for the credit of redemption/ IDCW proceeds (being ―Pay-out bank account). Investor may however, specify any other registered bank accounts for credit of redemption proceeds at the time of requesting for the redemption. Investor may change such Pay-out Bank account, as necessary, through written instructions. However, if request for redemption is received together with a change of bank account (unregistered new bank account) or before verification and validation of new bank account, the redemption request would be processed to the currently registered default old bank account. Change of Bank Mandate: Investors are requested to note the following process shall be adopted for Change of Bank Mandate in the folio: a) Investors shall submit duly filled in “Non-Financial Transaction Form & Multiple Bank Accounts Registration Form” along with the prescribed documents at any of the AMC branches / ISCs of Kfin. b) Any unregistered bank account or a new bank account forming part of redemption request shall not be processed. c) There shall be a cooling period of 10 calendar days for validation and registration of new bank account. Further, in case of receipt of redemption request during this cooling period, the validation of bank mandate and dispatch of redemption proceeds shall be completed within a period of 03 working days from the date of receipt of redemption request. d) In the interim, redemptions / IDCW payments, if any, will be processed as per specified service standards and the last registered bank account information will be used for such payments to Unit holders. e) In case, the request for change in bank account information being invalid / incomplete / dissatisfactory in respect of signature mismatch/ document insufficiency/ not complying with any requirements as stated above, the request for such change will not be processed. Change of Address: For change of address, Investors should fill ‘KYC change form’ and submit it to any KYC Registration Agency (KRA) along with following documents: • Proof of new address (POA) and • Any other document/ form that the KRA may specify form time to time. The AMC reserves the right to collect proof of old address on a case to case basis while effecting the change of address. The self-attested copies of above stated documents shall be submitted along with original for verification at any of the AMC branches/Investor Service Centres (ISCs) of KFin. The original document shall be returned to the investors over the counter upon verification. In case the original of any document is not produced for verification, then the copies should be properly attested/verified by entities authorized for attesting/verification of the documents. List of admissible documents for POA & POI mentioned in paragraph 16.2.4.4(b) of SEBI Master 15Circular 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. The AMC reserves the right to alter/ discontinue all / any of the abovementioned special product(s)/ facility(ies) at any point of time. Further, the AMC reserves the right to introduce more special product(s)/ facility (ties) at a later date subject to prevailing SEBI Guidelines and Regulations. MFCentral as Official Point of Acceptance of Transactions (OPAT): Pursuant to paragraph 16.6 of SEBI Master Circular for Mutual Funds dated June 27, 2024, with respect to complying with the requirements of RTA inter-operable Platform for enhancing investors’ experience in Mutual Fund transactions / service requests, the QRTA’s, Kfin Technologies Limited and Computer Age Management Services Limited (CAMS) have jointly developed MFCentral, a digital platform for Mutual Fund investors. MFCentral is created with an intent to be a one stop portal / mobile app for all Mutual fund investments and service-related needs that significantly reduces the need for submission of physical documents by enabling various digital / physical services to Mutual fund investors across fund houses subject to applicable T&Cs of the Platform. MFCentral will be enabling various features and services in a phased manner. MFCentral may be accessed using https://mfcentral.com/ and a Mobile App in future. With a view to comply with all provisions of the aforesaid circular and to increase digital penetration of Mutual funds, Groww Mutual Fund designates MFCentral as its OPAT effective from September 24, 2021. Any registered user of MFCentral, requiring submission of physical document as per the requirements of MFCentral, may do so at any of the designated Investor Service Centres/ Collection Centres of KFin Technologies Limited or CAMS. 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 16DUE DILIGENCE BY THE ASSET MANAGEMENT COMPANY Consolidated Std Obs.55 SO. 26 It is confirmed that: i. The Scheme Information Document submitted to SEBI is in accordance with the SEBI (MF) Regulations and the guidelines and directives issued by SEBI from time to time. ii. All legal requirements connected with the launching of the Scheme as also the guidelines, instructions, etc., issued by the Government and any other competent authority in this behalf, have been duly complied with. iii. The disclosures made in the Scheme Information Document are true, fair and adequate to enable the investors to make a well informed decision regarding investment in the Scheme. iv. The intermediaries named in the Scheme Information Document and Statement of Additional Information are registered with SEBI and their registration is valid, as on date. v. The contents of the Scheme Information Document including figures, data, yields etc. have been checked and are factually correct vi. A confirmation that the AMC has complied with the compliance checklist applicable for Scheme Information Documents and other than cited deviations/ that there are no deviations from the regulations vii. Notwithstanding anything contained in this Scheme Information Document, the provisions of the SEBI (MF) Regulations and the guidelines there under shall be applicable. viii. The Trustees have ensured that Groww Multi Asset Omni Fund of Fund approved by them is a new product offered by Groww Mutual Fund and is not a minor modification of any existing scheme/fund/product. Sd/- Date: August 08, 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: SO 14 Instruments Indicative allocations (% of total assets) Minimum Maximum Units of Active & Passive 65% 100% Equity oriented schemes Units of Active & Passive 10% 25% Debt oriented schemes Units of Gold & Silver ETFs 10% 25% Money Market Instruments#, cash and cash equivalent 0% 5% and/or units of Liquid scheme 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). Money Market instruments includes commercial papers, commercial bills, treasury bills, 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. 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. The scheme may invest in following list of domestic mutual fund schemes: 1. Equity Funds Groww Value Fund Groww Multicap Fund Groww Large Cap Fund Groww Aggressive Hybrid Fund Groww Banking & Financial Services Fund Groww ELSS Tax Saver Fund SBI Contra Fund HDFC Dividend Yield Fund HDFC Non-Cyclical Consumer Fund Kotak Infrastructure & Economic Reform Fund HDFC Flexi Cap Fund Parag Parikh Flexi Cap ICICI Prudential Focused Equity Fund Kotak Large & Midcap Nippon India Large Cap Fund Edelweiss Mid Cap Fund HDFC Mid Cap Fund 18Nippon India Growth Mid Cap Fund Bandhan Small Cap Fund SBI Small Cap Fund ICICI Prudential Value Fund ICICI Prudential Technology Fund Tata Digital India Fund WhiteOak Capital Pharma and Healthcare Fund 2. Debt Funds ICICI Prudential Constant Maturity Gilt Invesco India Arbitrage Fund Aditya Birla Sun Life Banking & PSU Debt Fund HDFC Hybrid Debt Fund SBI Corporate Bond Fund HDFC Credit Risk Debt Fund ICICI Prudential Balanced Advantage Fund Axis Floater Fund ICICI Prudential Long Term Bond Fund SBI Magnum Low Duration Fund HDFC Money Market Fund Nippon India Money Market Fund ICICI Prudential Multi-Asset Fund Nippon India Multi Asset Allocation Fund Groww Liquid Fund Groww Overnight Fund Groww Short Duration Fund Groww Gilt Fund Groww Dynamic Bond Fund 3. ETFs / Index Funds Groww Nifty India Defence ETF Groww Nifty Total Market Index Fund Groww Nifty Smallcap 250 Index Fund Groww Nifty EV & New Age Automotive ETF Groww Nifty India Railways PSU Index Fund Groww Nifty Non-Cyclical Consumer Index Fund Groww Nifty India Internet ETF Groww Nifty 200 ETF Groww Nifty 500 Momentum 50 ETF Groww Nifty 50 Index Fund Groww Nifty Next 50 Index Fund Groww Nifty Midcap 150 Index Fund Groww Gold ETF Groww Silver ETF HDFC Gold ETF Nippon India ETF Gold BeES Nippon India Silver ETF HDFC Silver ETF The above list is indicative and not exhaustive, as the fund manager will actively allocate across asset classes and schemes based on internal qualitative and quantitative assessments. Accordingly, investments may be made in any other schemes managed by Groww AMC and/or other domestic AMCs, as deemed appropriate from time to time. 19The 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 Structured obligation/Credit enhancements • ReITs and InVITs • Securitized Debt • Derivatives • Short Selling • Repo in Corporate Debt Securities • Credit default swap • Unrated Debt instruments • Overseas Securities Consolidat • Securities Lending ed Std Obs.17 The Cumulative gross exposure across units of underlying mutual fund schemes and money market instruments will not exceed 100% of the net assets of the scheme in accordance with Clause 12.24 of SEBI Master Circular SEBI/HO/IMD/IMD-PoD-1/P/CIR/2024/90 dated June 27, 2024. Cash or cash equivalents with residual maturity of less than 91 days may be treated as not creating any exposure. SEBI vide letter dated November 3, 2021 has clarified that Cash Equivalent shall consist of Government Consolidat Securities, T-Bills and Repo on Government Securities having residual maturity of less than 91 days. ed Std Obs.14 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 Consolidated of Groww Mutual Fund and/or any other mutual fund provided that aggregate inter-scheme investment made Std Obs. 21 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 (MF) Regulations. The AMC shall not charge any investment management fees with respect to such investment. Investments in Scheme by AMC, Sponsor & Associates Subject to the SEBI (MF) 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 Scheme, in accordance with sub-regulation 3 of Regulation 24 of the SEBI (MF) 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 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 (MF) Regulations, the 20asset 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. no Type of Instrument Percentage of exposure Circular references* 1. Securities Lending 0% Paragraph 12.11 of SEBI Master Circular for Mutual Funds dated June 27, 2024. 2. Equity Derivatives for non- 0% Paragraph 12.25 of SEBI Master Circular hedging purposes for Mutual Funds dated June 27, 2024. 3 Securitized Debt 0% Paragraph 12.15 of SEBI Master Circular for Mutual Funds dated June 27, 2024 4. Overseas funds 0% Paragraph 12.19 of SEBI Master Circular for Mutual Funds dated June 27, 2024 Consolidated 5. REITs and InVITS 0% Paragraph 12.21 of SEBI Master Std Obs.15 & Circular for Mutual Funds dated June 27, 16 2024 6. AT1 and AT2 Bonds 0% Paragraph 12.2 of SEBI Master Circular for Mutual Funds dated June 27, 2024 7. Any other instrument 0% - Rebalancing due to passive breach 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 Consolidat 30 Business Days, justification in writing, including details of efforts taken to rebalance the portfolio shall be placed ed Std Obs. before the Investment Committee of the AMC. The Investment Committee, if it so desires, can extend the timeline 22 & 24 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 of Std Obs. 23& 24 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. WHERE WILL THE SCHEME INVEST? Subject to the SEBI (MF) Regulations and other prevailing laws as applicable, the corpus of the Scheme can be invested in any (but not exclusively) of the following securities: Consolida 1. Units of Active & Passive Equity oriented schemes ted Std 2. Units of Active & Passive Debt oriented schemes Obs.29 & 3. Units of Gold & Silver ETFs SO 15 4. Money Market Instruments (Money Market instruments includes commercial papers, commercial bills, treasury bills, Government securities having an unexpired maturity up to one year, call or notice 21money, certificate of deposit, usance bills, and any other like instruments as specified by the Reserve Bank of India from time to time). Any other instruments, as may be permitted by RBI / SEBI / such other Regulatory Authority, from time to time, subject to Regulatory approvals. (Detailed definition and applicable regulations/guidelines for each instrument is included in Section II) B. 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 primarily investing in a diversified portfolio SO. 07 of various mutual fund schemes viz. Units of Active & Passive Equity oriented schemes, Units of Active & Passive Debt oriented schemes and Units of Gold & Silver ETFs. ● 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 equity-oriented schemes, debt-oriented schemes, Gold & Silver ETFs to achieve optimal distribution among asset classes. ● The scheme may also invest in Money Market Instruments, cash and cash equivalent and/or units of Liquid fund schemes. ● The scheme’s investment approach may be supported by a proprietary framework/model named SHAASTRA (Strategic Holistic Asset Allocation and Systematic Technical Risk Assessment) Multi Asset Strategy which uses a data-driven approach and incorporates elements of machine learning to support investment decisions, helping the Scheme in systematically identifying opportunities across varying market environments. The frameworks/models employed by the Scheme are subject to ongoing refinement and enhancement. The investment team continuously evaluates existing methodologies against empirical results and may incorporate additional techniques, alternative data sources, and advanced statistical methods to improve long-term risk-adjusted performance by investing in the schemes of various mutual funds. 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. The scheme doesn’t invest in Derivatives Portfolio Turnover Policy Portfolio turnover is defined as the aggregate value of purchases or sales as a percentage of the corpus of a scheme during a specified period of time. The Scheme is open ended, with subscriptions and redemptions expected on a daily basis, resulting in net inflow/outflow of funds, and on account of the various factors that affect portfolio turnover; it is difficult to give an estimate, with any reasonable amount of accuracy. However, during volatile market conditions, the fund manager has the flexibility to churn the portfolio actively to optimize returns keeping in mind the cost associated with it. C. HOW WILL THE SCHEME BENCHMARK ITS PERFORMANCE? Consolidated Benchmark (Total Returns Index): Nifty 500 TRI (65%) + CRISIL Composite Bond Fund Index (25%) + Std Obs.25 Domestic Gold Prices (5%) + Domestic Silver Prices (5%) & SO. 09 Justification for use of benchmark: Crisil Composite Bond Fund Index tracks performance of a debt portfolio that includes government securities and AAA/AA+/AA rated corporate bonds across maturities. The Nifty 500 Index represents top 500 companies based 22on full market capitalisation from the eligible universe. The price of Gold and Silver represent the exposure of respective metals in the portfolio. The composition of the benchmark is such that it is suited for comparing the performance of the scheme. The AMC/Trustees reserves the right to change benchmark in future for measuring performance of the scheme and as per the guidelines and directives issued by SEBI from time to time. D. WHO MANAGES THE SCHEME? Consolidated Std Obs.33 &SO. 10 The Fund Manager of the Scheme are Mr. Paras Matalia, Mr. Kaustubh Sule & Mr. Wilfred Gonsalves, their particulars are given below: Name of the Age Education Experience Other Schemes managed Fund Manager Qualification by the Fund Manager Mr. Paras 30 CA, CFA (US) Mr. Paras Matalia has about 7 • Groww ELSS Tax saver Matalia (Fund and B. Com years of experience in the capital Fund Manager- markets. He started out as an • Groww Multi Asset Equity) equity research Analyst with Allocation Fund 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 (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 • Groww Multi Asset Axis Asset Management Allocation Fund 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 Gonsalves, from Mumbai experience in Investment • Groww Gold ETF FOF Fund Manager – University Management, with a strong • Groww Silver ETF Gold, Silver & background in credit analysis, • Groww Silver ETF FoF Debt - Dealer macroeconomics, fixed income, • Groww Multi Asset and gold. At Whiteoak Capital, Allocation Fund 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 23L&T Finance, Wilfred was part of the Deal Origination team for 2 years, conducting in-depth credit analysis to support investment decisions." E. HOW IS THE SCHEME DIFFERENT FROM EXISTING SCHEMES OF THE MUTUAL FUND? Groww Multi Asset Omni FOF is the only Omni (Active + Passive) domestic Fund of Fund scheme under Multi Asset category as per the “Framework for Launching Fund of Fund Schemes with Multiple Underlying Funds”, offered by Groww Mutual Fund. F. HOW HAS THE SCHEME PERFORMED (if applicable) This scheme is a new scheme and does not have any performance track record. G. ADDITIONAL SCHEME RELATED DISCLOSURES i. Scheme’s portfolio holdings - https://www.growwmf.in/downloads/fact-sheet ii. Disclosure of name and exposure to Top 7 issuers, stocks, groups and sectors as a percentage of NAV of the scheme in case of debt and equity ETFs/index funds through a functional website link that contains detailed description - Not Applicable as it is a FOF scheme iii. Functional website link for Portfolio Disclosure - Fortnightly / Monthly/ Half Yearly. https://www.growwmf.in/statutory-disclosure/portfolio and https://www.growwmf.in/financials/half- yearly-unaudited iv. Portfolio Turnover Rate particularly for equity oriented schemes shall also be disclosed. - Not Applicable as this is a new scheme v. Aggregate investment in the Scheme by: Not Applicable as this is a new scheme Sr. No. Category of Persons Net Value Market Value (In Rs.) 1. Concerned scheme’s Fund Manager(s) Units NAV per unit Not Applicable 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 Consolida company may invest in the Scheme. However, as per SEBI (MF) Regulations, GAML will not charge any Investment ted Management Fee for its investment in the Scheme. In addition, the funds managed by the sponsors, Group may Std invest in the Scheme. Obs.58 & The details are provided on https://www.growwmf.in/statutory-disclosure/alignment-of-interest SO 01 • 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. 24Part 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 SEBI (MF) 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 Scheme's investments + Current Assets including Accrued Income - Current Liabilities and Provisions including accrued expenses ____________________________________________________________________________________ Number of Units Outstanding 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: NAV = = 22.0000 25Therefore, 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 SO. 17 & 19 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, 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: The recurring expenses of operating the Scheme on an annual basis, which shall be charged to the Scheme, are estimated to be as follows (each as a percentage per annum of the daily net assets) 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 Cost towards investor education & awareness (at least 1 bps) (as per paragraph 10.1.16 of SEBI Master circular for Mutual Funds 26dated 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) (a) (ii) Additional expenses under regulation 52 (6A) (c) 0.05% Consolidated Additional expenses for gross new inflows from specified cities Upto 0.30% Std Obs.46 The investors are bearing the recurring expenses of the scheme, in addition to the expenses of other schemes in which the Fund of Fund Scheme makes investments. Provided that the total expense ratio to be charged over and above the weighted average of the total expense ratio of the underlying scheme shall not exceed two times the weighted average of the total expense ratio levied by the underlying scheme(s), subject to the overall ceilings as stated above. As per Para 10.1.7 of SEBI Master Circular for Mutual Funds dated June 27, 2024, in case of all schemes, wherein exit load is not levied / not applicable, the AMC will not be eligible to charge the above mentioned additional expenses for such schemes. If the scheme invests less than 80% in the underlying domestic fund, at least 2 bps shall be set apart on daily Consolidated net assets within the maximum permissible limit of TER for investor education and awareness initiatives. Std Obs.43 Pursuant to provision no. 10.1.16 (a) (ii) of para 10.1 under Chapter 10 of SEBI Master Circular for Mutual Funds, Fund of Funds (FoFs) investing more than 80% of its NAV in the underlying domestic funds shall not be required to set aside 2bps of the daily net assets towards investor education and awareness initiatives. As mandated vide provision no. 3.1.2 of SEBI Master Circular on Mutual Fund dated June 27, 2024 the AMC shall not enter into any revenue sharing arrangement with the Underlying scheme in any manner and shall not receive any revenue by whatever means/head from the Underlying scheme. Any commission or brokerage received from the Underlying scheme shall be credited to scheme’s account. Investors should note that the above expense to be borne by the investor includes the recurring expenses of the Underlying scheme(s) in which Fund-of-Funds scheme makes investment. 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. 27**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. Note: SEBI vide its letter no. SEBI/HO/IMD-SEC-3/P/OW/2023/5823/1 dated February 24, 2023, and AMFI letter dated No. 35P/ MEM-COR/ 85-a/ 2022-23 dated March 02, 2023 has directed AMCs to keep B-30 incentive structure in abeyance with effect from March 01, 2023 till further notice 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 AMC shall adhere to the provisions of paragraph 10.1 of SEBI Master Circular for Mutual Funds dated June 27, 2024 and various guidelines specified by SEBI as amended from time to time, with reference to charging of fees and expenses. Accordingly: a. All scheme related expenses including commission paid to distributors, by whatever name it may be called and in whatever manner it may be paid, shall necessarily be paid from the scheme only within the regulatory limits and not from the books of AMC, its associate, sponsor, trustees or any other entity through any route in terms of SEBI circulars, subject to the clarifications provided by SEBI to AMFI vide letter dated February 21, 2019 on implementation of Paragraph 10.1.12 of SEBI Master Circular dated June 27, 2024 on Total Expense Ratio (TER) and performance disclosure for Mutual Fund. Consolidated Provided that, such expenses that are not specifically covered in terms of Regulation 52 (4) can be paid Std Obs.45 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 of impact of expense ratio on scheme’s returns: Consolidated Std Obs.44 Particulars Regular Plan Direct Plan Amount Invested at the beginning of the year 10,000 10,000 Income on Investment (assumed rate 8.00% p.a.) 800 800 Expenses other than Distribution Expenses (assumed 64.8 64.8 expense ratio @0.60 %) Distribution Expenses (assumed expense ratio for 43.2 0 Regular Plan @ 0.40 % p.a.) Returns after Expenses at the end of the Year 692 735.20 28Notes: • The above illustration is provided only to explain the impact of expense ratio on scheme’s returns, and not to be construed as providing any kind of investment advice or guarantee on returns on investments • The Expense are charged on the closing asset under management, and are subject to change on a periodic basis • The tax impact has not been considered in the above illustration. 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. Consolidated Std Obs.47 D. LOAD STRUCTURE Exit Load is an amount which is paid by the investor to redeem the units from the scheme. Load amounts are variable and are subject to change from time to time. For the current applicable structure, please refer to the website of the AMC (https://www.growwmf.in/downloads/fact-sheet) or may call at (toll free no. 8050180222) or your distributor. Type of Load Load chargeable (as %age of NAV) Exit Nil 29SECTION II I. Introduction A. Definitions/interpretation For detailed description please click the link: https://www.growwmf.in/downloads/sid B. Risk factors Consolidated Std Obs.08 me of the specific risk factors related to the Scheme include, but are not limited to the following: & SO 02 • As the investors are incurring expenditure at both the Fund of Funds level and the scheme into which the Fund of Funds invests, the returns that they may obtain may be materially impacted or may at times be lower than the returns Consolidated that investors may obtains by directly investing in such schemes. Std Obs.08 • As the Fund of Funds scheme will invest into an underlying scheme, the expense charged being dependent on the structure of the underlying scheme (being different), it may lead to a non- uniform charging of expenses over a period of time. • In the Fund of Funds (FOF) factsheets and disclosures of portfolio will be limited to providing the particulars of the schemes invested at FOF level, thus investors may not be able to obtain specific details of the investments of the underlying schemes. • The fund of funds scheme may have different returns/performance than the underlying scheme due to various reasons. The return of the Fund of Funds may be adversely impacted by Total expense ratio, cash drag, timing and pricing difference b/w the subscription/redemption in the Fund of Funds v/s underlying scheme, operational and transactional reasons etc. • The scheme specific risk factors of the underlying schemes become applicable where a fund of funds invest. Investors who intend to invest in Fund of Funds are required to and are deemed to have read and understood the risk factors of the underlying scheme in which Fund of Funds scheme invest in. Copies of the Scheme Information Documents pertaining to the various schemes of Groww Mutual Fund, which disclose the relevant risk factors, are available at the Investor/Customer Service Centres or may be accessed at https://www.growwmf.in/downloads/sid • The FOF may invest in the underlying ETF through stock exchange, where market price of underlying ETF may be different from its NAV. This may affect the performance of the scheme. • The subscription and redemption in FOF is also dependent on the liquidity of the underlying scheme. The illiquidity of the same may affect the performance of the FOF. • A Fund Manager managing the Fund of Funds scheme may also be the Fund Manager for any underlying schemes. The scheme specific risk factors of each of the underlying schemes become applicable where a fund of funds invests in any underlying scheme. Investors who intend to invest in fund of funds are required to and are deemed to have read and understood the risk factors of the underlying schemes relevant to the Fund of Funds scheme that they invest in. The Scheme will be subject to risks related to fluctuations in collateral value/settlement, liquidity and counter party related risk 30Consolida ted Risks Associated with investments in Gold & Silver ETF and related instruments Std A. Several factors that may affect the price of gold/commodity are as follows: Obs.11 Global gold supplies and demand, which is influenced by factors such as forward selling by gold producers, SO 3 purchases made by gold producers to unwind gold hedge positions. Productions and cost levels in major gold producing countries can also impact gold prices. Further, Central bank purchases and sales also impact the price of Consolida Gold. The prices of gold are also affected: - ted Std Obs.08 1) Macro-economic factors - Expected rate of inflation versus actual may impact the price of gold. Global or regional political, economic or financial events and situations of countries can also impact price and demand / supply 2) Central banks’ sale: Central banks across the world hold a part of their reserves in gold. The quantum of their sale in the market is one of the major determinants of gold prices. A higher supply than anticipated would lead to subdued gold prices and vice versa. Central banks buy gold to augment their existing reserves and to diversify from other asset classes. This acts as a support factor for gold prices. 3) Mining & Production - Lower production could have a positive effect on gold prices. Conversely excessive production capacities would lead to a downward movement in gold prices as the supply goes up. 4) Currency exchange rates - A weakening dollar may act in favour of gold prices and vice versa. 5) Changes in indirect taxes or any other levies - The gold held by the Custodian may be subject to loss, damage, theft or restriction of access due to natural event or human actions. 6) Seasonal demand: Demand for Gold in India is closely tied to the production of jewellery which tends to increase ahead of festive seasons. Any factor impacting the seasonal demand will impact the prices of gold. 7) Market Liquidity: Trading in Gold ETF on the Exchange may be halted because of market conditions or for reasons that in the view of the market authorities or SEBI, trading in Gold ETF is not advisable. In addition, trading in Gold and Gold ETF is subject to trading halts caused by extraordinary market volatility and pursuant to Stock Exchange(s) and SEBI ‘‘circuit filter’’ rules. There can be no assurance that the requirements of the market necessary to maintain the listing of Gold ETF will continue to be met or will remain unchanged. Gold ETF may suffer liquidity risk from domestic as well as international market. The returns from gold may underperform returns from the various general securities markets or different asset classes other than gold. Different types of securities tend to go through cycles of out-performance and underperformance in comparison to the general securities markets. The scheme may invest in Gold ETFs. The units may trade above or below their NAV. The NAV of the underlying Scheme will fluctuate with changes in the market value of the holdings. The trading prices will fluctuate in accordance with changes in their NAV as well as market supply and demand. However, given that units of Gold ETFs can be created and redeemed in Creation Units, it is expected that large discounts or premiums to the NAV 27 will not sustain due to arbitrage opportunity available. The value of Gold ETFs Units could decrease if unanticipated operational or trading problems arise. In case of investment in Gold ETFs, the scheme can subscribe to the units of Gold ETFs according to the value equivalent to unit creation size as applicable. If subscriptions received are not adequate to invest in creation unit size, the subscriptions may be deployed in debt and money market instruments which will have a different return profile compared to gold returns profile. 31B. Several factors that may affect the price of Silver are as follows: Global Silver supplies and demand, which is influenced by factors such as forward selling by silver producers, purchases made by silver producers to unwind silver hedge positions, government regulations, productions and cost levels in major Silver producing countries. 1) Liquidity risk: Trading in units of the ETFs on the Exchange may be halted because of market conditions or for reasons that in view of the Exchange authorities or SEBI, trading in units of the scheme is not advisable. In addition, trading in units is subject to trading halts caused by extraordinary market volatility and pursuant to Stock Exchange(s) and SEBI ''circuit filter'' rules as applicable from time to time. 2) Regulatory Risk: Any changes in trading regulations by the stock exchange (s) or SEBI may affect the ability of Authorised Participant/ Large Investor to arbitrage resulting into wider premium/ discount to NAV. Any changes in any other regulation relating to import and export of silver or silver jewellery (including customs duty, sales tax and any such other statutory levies) may affect the ability of the scheme to buy/sell silver against the purchase and redemption requests receive 3) Macro-economic indicators - Investors’ expectations with respect to the macro-economic indicators may vary from actuals. Price volatility in Silver as a commodity will be much higher because of the industrial use of it Global or regional political, economic or financial events and situations may also impact the price and demand / supply of the commodity 4) Currency exchange rates - The formula for deriving the NAV of the units of the ETFs is based on the imported (landed) value of the silver, which is computed by multiplying international market price by US Dollar value. Hence the value of NAV or silver will depend upon the conversion value and attracts all the risk associated with such conversion. 5) Investment and trading activities of hedge funds and commodity funds. 6) In addition, investors should be aware that there is no assurance that Silver will maintain its long-term value. If the price of silver declines, the value of investment in units is expected to decline proportionately. SO 6 Risks Associated with Debt & Money Market Instruments • Price-Risk or Interest-Rate Risk: Fixed income securities such as bonds, debentures and money market instruments run price-risk or interest-rate risk. Generally, when interest rates rise, prices of existing fixed income securities fall and when interest rates drop, such prices increase. The extent of fall or rise in the prices is a function of the existing coupon, days to maturity and the increase or decrease in the level of interest rates. • Credit Risk: In simple terms this risk means that the issuer of a debenture/ bond or a money market instrument may default on interest payment or even in paying back the principal amount on maturity. Even where no default occurs, the price of a security may go down because the credit rating of an issuer goes down. It must, however, be noted that where the Scheme has invested in Government securities, there is no credit risk to that extent. • Liquidity or Marketability Risk: This refers to the ease with which a security can be sold at or near to its valuation yield-to-maturity (YTM). The primary measure of liquidity risk is the spread between the bid price and the offer price quoted by a dealer. Liquidity risk is today characteristic of the Indian fixed income market. • Reinvestment Risk: Investments in fixed income securities may carry reinvestment risk as interest rates prevailing on the interest or maturity due dates may differ from the original coupon of the bond. Consequently, the proceeds may get invested at a lower rate. 32• Pre-payment Risk: Certain fixed income securities give an issuer the right to call back its securities before their maturity date, in periods of declining interest rates. The possibility of such prepayment may force the fund to reinvest the proceeds of such investments in securities offering lower yields, resulting in lower interest income for the fund. • Spread Risk: In a floating rate security the coupon is expressed in terms of a spread or mark up over the benchmark rate. In the life of the security this spread may move adversely leading to loss in value of the portfolio. The yield of the underlying benchmark might not change, but the spread of the security over the underlying benchmark might increase leading to loss in value of the security. • Different types of securities in which the scheme would invest as given in the SID carry different levels and types of risk. Accordingly the scheme’s risk may increase or decrease depending upon its investment pattern. E.g. corporate bonds carry a higher amount of risk than Government securities. Further even among corporate bonds, bonds, which are AA rated, are comparatively more risky than bonds, which are AAA rated. Risks associated with segregated portfolio • Investor holding units of segregated portfolio may not able to liquidate their holding till the time recovery of money from the issuer. • Security comprises of segregated portfolio may not realize any value. • Listing of units of segregated portfolio in recognized stock exchange does not necessarily guarantee their liquidity. There may not be active trading of units in the stock market. Further trading price of units on the stock market may be significantly lower than the prevailing NAV. Risks associated with investing in Tri-Party Repo through CCIL (TREPS) The mutual fund is a member of securities segment and Tri-party Repo trade settlement of the Clearing Corporation of India (CCIL). All transactions of the mutual fund in government securities and in Triparty Repo trades are settled centrally through the infrastructure and settlement systems provided by CCIL; thus reducing the settlement and counterparty risks considerably for transactions in the said segments. CCIL maintains prefunded resources in all the clearing segments to cover potential losses arising from the default member. In the event of a clearing member failing to honor his settlement obligations, the default Fund is utilized to complete the settlement. The sequence in which the above resources are used is known as the “Default Waterfall”. As per the waterfall mechanism, after the defaulter’s margins and the defaulter’s contribution to the default fund have been appropriated, CCIL’s contribution is used to meet the losses. Post utilization of CCIL’s contribution if there is a residual loss, it is appropriated from the default fund contributions of the non-defaulting members. Thus the scheme is subject to risk of the initial margin and default fund contribution being invoked in the event of failure of any settlement obligations. In addition, the fund contribution is allowed to be used to meet the residual loss in case of default by the other clearing member (the defaulting member). However, it may be noted that a member shall have the right to submit resignation from the membership of the Security segment if it has taken a loss through replenishment of its contribution to the default fund for the segments and a loss threshold as notified have been reached. The maximum contribution of a member towards replenishment of its contribution to the default fund in the 7 days (30 days in case of securities segment) period immediately after the afore-mentioned loss threshold having been reached shall not exceed 5 times of its contribution to the Default Fund based on the last re-computation of the Default Fund or specified amount, whichever is lower. Further, it may be noted that, CCIL periodically prescribes a list of securities eligible for contributions as collateral by members. Presently, all Central Government securities and Treasury bills are accepted as collateral by CCIL. The risk factors may undergo change in case the CCIL notifies securities other than Government of India securities as eligible for contribution as collateral.” The underlying schemes having exposure to the fixed income securities and/ or equity and equity related securities will be subject to the following risks and in turn the Scheme’s/ Plans’ performance will be affected accordingly. 33RISKS ASSOCIATED WITH INVESTING IN UNDERLYING SCHEMES (AS APPLICABLE): The scheme specific risk factors of the underlying schemes become applicable where a fund of funds invests. Investors who intend to invest in Fund of Funds are required to and are deemed to have read and understood the risk factors of the underlying scheme in which the Fund of Funds scheme invest in. Copies of the Scheme Information Documents pertaining to the various schemes of Groww Mutual Fund, which disclose the relevant risk factors, are available at the Customer Service Centers or may be accessed at https://www.growwmf.in/downloads/sid Risks associated with Tracking errors/ difference of underlying Scheme: Tracking error means the extent to which the NAV of the fund moves in a manner inconsistent with the movements Consolidated Std Obs.10 of the benchmark index on any given day or over any given period of time due to any cause or reason whatsoever including but not limited to expenditure incurred by the scheme, IDCW payouts if any, whole cash not invested at all times as it may keep a portion of funds in cash to meet redemption etc. The tracking error i.e. the annualized standard deviation of the difference in daily returns between the underlying index or goods and the NAV of the Scheme based on daily past one year rolling data shall not exceed 2%. In case of unavoidable circumstances in the nature of force majeure, which are beyond the control of the AMCs, the tracking error may exceed 2% and the same shall be brought to the notice of Trustees with corrective actions taken by the AMC, if any. However, the Fund will endeavour to limit the tracking error within 2% limits. Tracking difference is the difference of return between the scheme and benchmark annualized over 1 year, 3 year, 5 years, 10 years and since inception period. Tracking error/ difference could be the result of a variety of factors including but not limited to: • Delay in the purchase or sale of units within the benchmark due to o Illiquidity in the stocks, circuit filters on the units • Delay in realisation of sale proceeds • The scheme may buy or sell the units of ETF at different points of time during the trading session at the then prevailing prices which may not correspond to its closing prices. • • The holding of a cash position and accrued income prior to distribution of income and payment of accrued expenses. • Disinvestments to meet redemptions, recurring expenses, payouts of IDCW etc. • Execution of large buy / sell orders • Delay in credit of securities • Transaction cost and recurring expenses • Delay in realisation of Unit holders’ funds • Levy of margins by exchanges SEBI / other Regulatory restrictions on investments and/ or divestments by the scheme / Mutual Fund, which are outside the control of AMC, which may further cause / impact the tracking error. C. RISK MITIGATION MEASURES FOR UNDERLYING SCHEMES Consolida Liquidity Risk ted Std Obs. As such the liquidity of stocks that the fund invests into could be relatively low. The fund will try to maintain a 09 proper asset-liability match to ensure redemption / Maturity payments are made on time and not affected by illiquidity of the underlying stocks. Consolida Risks Associated with Equity Investments: The scheme has a diversified portfolio to counter the volatility in the ted prices of individual stocks. Diversification in the portfolio reduces the impact of high fluctuations in daily individual Std stock prices on the portfolio. Obs.08 34Risks Associated with Debt & Money Market Instruments Credit Risk - The fund has a rigorous credit research process. There is a regulatory and internal cap on exposure to each issuer. This ensures a diversified portfolio and reduced credit risk in the portfolio. While these measures are expected to mitigate the above risks to a large extent, there can be no assurance that these risks would be completely eliminated. • The FOF will invest in ETF, which in cumulation will endeavors to have a diversified equity portfolio comprising stocks across various sectors of the economy to reduce sector specific risks. All the underlying ETF scheme related risk factors will apply to the Fund of Fund. • Any investments in debt securities would be undertaken after assessing the associated credit risk, interest rate risk and liquidity risk. The Scheme will also invest in debt securities and money market instruments. • The credit quality of the portfolio will be maintained and monitored using in-house research capabilities as well as inputs from external sources such as independent credit rating agencies. • The investment team will primarily use a top down approach for taking interest rate view, sector allocation along with a bottom up approach for security/instrument selection. • The bottom up approach will assess the quality of security/instrument (including the financial health of the issuer) as well as the liquidity of the security. • Investments in debt instruments carry various risks such as interest rate risk, reinvestment risk, credit risk and liquidity risk etc. Whilst such risks cannot be eliminated, they may be minimized through diversification. Risk is an inherent part of the investment function. Effective risk management is critical to fund management for achieving financial soundness. Investments by the Scheme shall be made as per the investment objective of the Scheme and provisions of SEBI (MF) Regulations. AMC has incorporated adequate safeguards to manage risk in the portfolio construction process. Risk control would involve managing risk in order to keep it in line with the investment objective of the Scheme. The risk control process involves identifying & measuring the risk through various Risk Measurement Tools like but not limited to calculating risk ratios, tracking error etc. The AMC has implemented a System for the Front Office and Settlement. The system has incorporated all the investment restrictions as per SEBI guidelines and “soft” warning alerts at appropriate levels for pre-emptive monitoring. The system enables identifying & measuring the risk through various risk measurement tools like various risk ratios, average duration and analyzes the same so as to act in a preventive manner. The risk control measures for managing the debt portion of the scheme are: 1. Monitoring risk adjusted returns performance of the fund with respect to its peers and its benchmark. 2. Tracking analysis of the fund on various risk parameters undertaken by independent fund research / rating agencies or analysts and take corrective measures if needed. 3. Credit analysis plays an important role at the time of purchase of bond and then at the time of regular performance analysis. Our internal research anchors the credit analysis. Sources for credit analysis include Capital Line, CRISIL, ICRA updates etc. Debt ratios, financials, cash flows are analyzed at regular intervals to take a call on the credit risk. 4. We define individual limits for G-Sec, money market instruments, MIBOR linked debentures and corporate bonds exposure, for diversification reasons. 35The Scheme does not propose to underwrite issuances of securities of other issuers. There will be no exposure to securitized debt securities in the portfolio. 36II. 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? SO. 11 The following investment limitations and other restrictions, inter alia, as contained in the Trust Deed and the SEBI (MF) Regulations apply to the Scheme: • 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. shall be subject to the following: a. Investments shall only be made in such instruments, including bills rediscounting, usance bills, etc., that are generally not rated and for which separate investment norms or limits are not provided in SEBI (MF) Regulations and various circulars issued thereunder. b. Exposure in such instruments, shall not exceed 5% of the net assets of the scheme. c. All such investments shall be made with the prior approval of the Board of AMC and the Board of trustees. • No mutual fund under all its schemes should own more than ten per cent of any company’s paid up capital carrying voting rights. 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. • No mutual fund scheme shall invest more than 10 per cent of its NAV in the equity shares or equity related instruments of any company. Provided that, the limit of 10 per cent shall not be applicable for investments in case of index fund or exchange traded fund or sector or industry specific scheme. • The Scheme may invest in another scheme under the same asset management company or any other mutual fund without charging any fees, provided that aggregate inter-scheme investment made by all schemes under the management or in schemes under the management of any other asset management company shall not exceed 5% of the NAV of the mutual fund. • 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. The investment in these deposits shall be in accordance with Clause 12.16.1.8 of SEBI Master Circular SEBI/HO/IMD/IMD- PoD-1/P/CIR/2024/90 dated June 27, 2024. 37• The mutual fund shall not borrow except to meet temporary liquidity needs of the mutual funds for the purpose of repurchase, redemption of units or payment of interest or dividend to the unitholders. Provided that the mutual fund shall not borrow more than 20 per cent of the net asset of the scheme and the duration of such a borrowing shall not exceed a period of six months. • 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. However, the scheme 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. • Inter scheme transfers of investments from one scheme to another scheme in the same Mutual Fund shall be Consolida allowed only if such transfers are done at the prevailing market price for quoted instruments on spot basis. ted Std Explanation - “Spot basis” shall have same meaning as specified by stock exchange for spot transactions. The Obs.30 securities so transferred shall be in conformity with the investment objective of the scheme to which such transfer has been made. Pursuant to Clause 12.30 of SEBI Master Circular SEBI/HO/IMD/IMD-PoD-1/P/CIR/2024/90 dated June 27, 2024, ISTs may be allowed in the following scenarios: i. for meeting liquidity requirement in a scheme in case of unanticipated redemption pressure ii. for Duration/ Issuer/ Sector/ Group rebalancing No IST of a security shall be done, if there is negative news or rumours in the mainstream media or an alert is generated about the security, based on internal credit risk assessment. The Scheme shall comply with the guidelines for inter-scheme transfers as specified under clause 12.30 of SEBI Master Circular SEBI/HO/IMD/IMD-PoD- 1/P/CIR/2024/90 dated June 27, 2024. • The Mutual Fund shall buy and sell securities on the basis of deliveries and shall in all cases of purchases, take delivery of relevant securities and in all cases of sale, deliver the securities. • The Scheme shall get the securities purchased or transferred in the name of the mutual fund on account of the concerned scheme, wherever investments are intended to be of long-term nature. • The Scheme shall not make any investment in: a) Any unlisted security of an associate or group company of the Sponsor; or b) Any security issued by way of private placement by an associate or group company of the sponsor; or c) The listed securities of group companies of the Sponsor which is in excess of 25% of the net assets. • The scheme shall not make any investment in any fund of funds scheme. • All investments by a mutual fund scheme in equity shares and equity related instruments shall only be made provided such securities are listed or to be listed. • The Mutual Fund having an aggregate of securities which are worth Rs.10 crores or more, as on the latest balance sheet date, shall subject to such instructions as may be issued from time to time by SEBI, settle their transactions entered on or after January 15, 1998 only through dematerialized securities. Further, all transactions in government securities shall be in dematerialized form. Pursuant to Clause 12.16 of SEBI Master Circular SEBI/HO/IMD/IMD-PoD-1/P/CIR/2024/90 dated June 27, 2024:- 38• 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 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. • “Short Term” for parking of funds by Mutual Funds shall be treated as a period not exceeding 91 days • The Scheme shall not invest more than 10% of the net assets in short term deposit(s), of any one scheduled commercial bank including its subsidiaries. • The Scheme shall not invest in short term deposit of a bank which has invested in that Scheme. AMC shall also ensure that the bank in which a scheme has short term deposit do not invest in the said scheme until the scheme has Short term deposit with such bank. • Asset Management Company (AMC) shall not be permitted to charge any investment management and advisory fees for parking of funds in short term deposits of scheduled commercial banks. The Half Yearly portfolio statements shall disclose all funds parked in short term deposit(s) under a separate heading. Details shall also include name of the bank, amount of funds parked, percentage of NAV. Trustees shall, in the Half Yearly Trustee Reports certify that provisions of the SEBI (MF) Regulations pertaining to parking of funds in short term deposits pending deployment are complied with at all points of time. The AMC(s) shall also certify the same in its CTR(s). • The investments in short term deposits of scheduled commercial banks will be reported to the Trustees along with the reasons for the investment which, inter-alia, would include comparison with the interest rates offered by other scheduled commercial banks. Further, AMC shall ensure that the reasons for such investments are recorded in the manner prescribed. The Scheme will comply with SEBI (MF) Regulations and any other regulations applicable to the investments of Funds from time to time. The Trustee may alter the above restrictions from time to time to the extent that changes in the SEBI (MF) Regulations may allow. All investment restrictions shall be applicable at the time of making investment. • In accordance with clause 12.16.1.9 SEBI Master Circular SEBI/HO/IMD/IMD-PoD-1/P/CIR/2024/90 dated June 27, 2024, the aforesaid limits shall not be applicable to term deposits placed as margins for trading in cash and derivatives market. Consol Apart from the investment restrictions prescribed under SEBI (MF) Regulations, the Fund does not follow any idated Std internal norms vis-a-vis limiting exposure to a particular scrip or sector etc. Obs.19 SO. 13 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: SO. 08 i. Type of a scheme An open-ended fund of funds scheme investing in equity-oriented schemes, debt-oriented schemes and Gold & Silver ETFs 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?” 39iii. 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 – Not applicable E. Principles of incentive structure for market makers (for ETFs) Not Applicable F. Floors and ceiling within a range of 5% of the intended allocation against each sub class of asset, as per clause 13.6.2 of SEBI master circular for mutual funds dated June 27, 2024– Not Applicable G. Other Scheme Specific Disclosures: Listing and transfer of units The Scheme being open ended, the Units are not proposed to be listed on any stock exchange and no transfer facility on the exchange is provided. However, the Trustee reserves the right to list the units as and when open-ended Schemes are permitted to be listed under the SEBI (MF) Regulations, and if the Trustee considers it necessary in the interest of unit holders of the Scheme. Dematerialization of units 1 The Unit holders are given an Option to hold the units by way Consolidated Std Obs.57 of an Account Statement (Physical form) or in Dematerialized (‘Demat’) form. Mode of holding shall be clearly specified in the KIM cum application form. The Unit holder intending to hold the units in Demat form are required to have a beneficiary account with the Depository Participant (DP) (registered with NSDL / CDSL). Unit holders opting to hold the units in demat form must provide their Demat Account details like the DP’s name, DP ID Number and the beneficiary account number of the applicant with the DP, in the specified section of the application form. 40In case Unit holders do not provide their Demat Account details, unit will be allotted to them in physical form and an Account Statement shall be sent to them. Investors holding units in dematerialized form as well as investors holding units in physical form, both shall be able to trade on the BSE STAR MF Platform and on NSE NMF II. 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 during NFO. 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 ( ID CW ) Growth Option: Under the Growth option, there will be no distribution of income and the return to investors will be only by way of capital gains, if any, through redemption at applicable NAV of Units held by them. IDCW Option: Under the IDCW option, the Trustee may decide to distribute by way of IDCW, the surplus by way of realised profit and interest, net of losses, expenses and taxes, if any, to Unitholders if, in the opinion of the Trustee, such surplus is available and adequate for distribution. The Trustee's decision with regard to such availability and adequacy of surplus, rate, timing and frequency of distribution shall be final. The Trustee may or may not distribute surplus, even if available, by way of IDCW. The IDCW will be paid to only those Unitholders whose names appear on the register of Unitholders of the Scheme / Option at the close of the business hours on the record date, which will be announced in advance. The asset management company (AMC) is required to despatch to the unitholders the IDCW payments within seven working days from the record date. In case the AMC fails to despatch the IDCW payments within the stipulated time of seven working days, it shall be liable to pay interest to the unit holders at 15% p.a. or such other rate as may be prescribed by SEBI from time to time. In case of dynamic lien the IDCW may be credited to the financier. The IDCW Option will be available under two sub-options – the Payout Option and the Reinvestment Option. Payout of IDCW Option: Unitholders will have the option to receive payout of their IDCW by way of IDCW payments or any other means which can be enchased or by way of direct credit into their account. Reinvestment of IDCW Option: 41Under the Reinvestment option, IDCW amounts will be reinvested in the reinvestment of IDCW Option at the Applicable NAV announced immediately following the record date. The Trustees reserve the right to introduce new options and / or alter the payout of IDCW intervals, frequency, including the day of payout. When units are sold, and sale price (NAV) is higher than face value of the unit, a portion of sale price that represents realized gains is credited to an Equalization Reserve Account and which can be used to pay IDCW. IDCW can be distributed out of investor’s capital (Equalization Reserve), which is part of sale price that represents realized gains. Allotment (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 fulfillment of any regulatory requirements, fulfillment of any requirements as per the SID, incomplete/incorrect documentation and furnishing necessary information to the satisfaction of the Mutual Fund/AMC. 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 (since the investor can transact only through the exchange after NFO period, they need to convert the units in demat form). For applicants applying through the ASBA mode, on intimation of allotment by Kfin Technologies Limited 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 Units of the Scheme held in the dematerialized 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, 1996 as may be amended from time to time and as stated in Para 14.4.4 of SEBI Master Circular no. SEBI/HO/IMD/IMD-PoD-1/P/CIR/2024/90 dated June 27, 2024. Further, for the procedure of release of lien, the investors shall contact their respective DP. Refund 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 42exceeding 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: 1. Non Resident Indians (NRIs) and Persons of Indian Origin (PIOs) residing abroad / Foreign Institutional Investors (FIIs) have been granted a general permission by Reserve Bank of India under Schedule 5 of the Foreign Exchange Management (Transfer or Issue of Security by a Person Resident Outside India) Regulations, 2000 for investing in / redeeming units of the mutual funds subject to conditions set out in the aforesaid regulations. 2. It is expressly understood that at the time of investment, the investor/unitholder has the express authority to invest in units of the Scheme and the AMC / Trustee / Mutual Fund will not be 43responsible if such investment is ultra vires the relevant constitution. Subject to the SEBI (MF) 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. 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. • 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 Centres of the Registrar or may be downloaded from https://www.growwmf.in/downloads/kim (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 44from fraudulent encashment of redemption / IDCW cheques, Consolidated SEBI has made it mandatory for investors to provide their Std Obs.61 SO. 21 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 All units can be reissued without any limit by the Scheme. repurchased units, including the maximum extent, the manner of reissue, the entity (the scheme or the AMC) involved in the same. Restrictions, if any, on the right to 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. RIGHT 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. 452,00,000/- (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 entire 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. 46To 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 providers 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, as Offer period and ongoing offer period with a minimum may be applicable, for direct investment of Rs.500/- and in multiples of Re. 1/- thereafter. subscription/redemption with AMC Additional Purchase: Rs.500/- and in multiples of Re.1/- thereafter. 47Investments through SIP: Daily SIP - Rs. 100/- and in multiples of Re.1/- thereafter. Weekly SIP - Rs. 100/- and in multiples of Re.1/- thereafter Monthly SIP – Rs. 500/- and in multiples of Re.1/- thereafter Quarterly 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 and in multiples of Re. 1 In case, if the investor wants to submit redemption in units, the value should be equivalent to the minimum redemption amount specified above as on the applicable NAV date and the units should be in multiples of 0.001. In case the available balance in folio is less than the minimum redemption amount/units, then the investor can submit a request for "All units/Full redemption" of the amount / units available in folio. If the redemption is received in "Units" or "Amount" and reported Units/Amount are more than available units/amount in the folio then it will be considered as full unit/amount redemption. Please note this will not be applicable for units under pledge and demat folios. The AMC reserves the right to change the minimum amounts for various purchase / redemption/ switch. Such changes shall only be applicable to transactions on a prospective basis. Accounts Statements The AMC shall send an allotment confirmation specifying the units allotted by way of email and/or SMS within 5 working Consolidated days of receipt of valid application/transaction to the Unit Std Obs.60 holders registered e-mail address and/ or mobile number SO. 20 (whether units are held in demat mode or in account statement form). 48A Consolidated Account Statement (CAS) detailing all the transactions across all mutual funds (including transaction charges paid to the distributor) and holding at the end of the month shall be sent to the Unit holders in whose folio(s) transaction(s) have taken place during the month. The monthly CAS will be dispatched to investors that have opted for delivery via electronic mode (e-CAS) within twelve (12) days from the month end and to investors that have opted for delivery via physical mode within fifteen (15) days from the month end. Half-yearly CAS shall be issued at the end of every six months (i.e. September/ March) to all investors providing the prescribed details across all schemes of mutual funds and securities held in dematerialized form across demat accounts, if applicable. The CAS will be dispatched to investors that have opted for e-CAS on or before the eighteenth (18th) day of April and October and to investors that have opted for delivery via physical mode by the twenty first (21st) day of April and October. For further details, refer SAI. Dividend/ IDCW The 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. 49Redemption The redemption or repurchase proceeds shall be dispatched to the unitholders within three working days from the date of redemption or repurchase. For list of exceptional circumstances refer para 14.1.3 of SEBI Master Circular for Mutual Funds dated June 27, 2024. Bank Mandate 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 Unclaimed Redemption and Income As per the Clause 14.3 of SEBI Master Circular Consolidated Std Obs.52 Distribution cum Capital Withdrawal SEBI/HO/IMD/IMD-PoD-1/P/CIR/2024/90 dated June 27, Amount 2024, the unclaimed Redemption and dividend amounts shall be 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. Disclosure w.r.t investment by minors As per Para 17.6 of SEBI Master Circular No. Consolidated SEBI/HO/IMD/IMD-PoD-1/P/CIR/2024/90 dated June 27, Std Obs.37 502024, the following Process for Investments in the name of a Minor through a Guardian will be applicable: a. Payment for investment by any mode shall be accepted from the bank account of the minor, parent or legal guardian of the minor, or from a joint account of the minor with parent or legal guardian. For existing folios, the AMCs shall insist upon a Change of Pay-out Bank mandate before redemption is processed. b. Redemption proceeds shall be credited only in verified bank account of the minor, i.e the account the minor may hold with the parent/legal guardian after completing KYC formalities. c. Upon the minor attaining the status of major, the minor in whose name the investment was made, shall be required to provide all the KYC details, updated bank account details including cancelled original cheque leaf of the new account. No further transactions shall be allowed till the status of the minor is changed to major. d. AMCs shall build a system control at the account set up stage of Systematic Investment Plan (SIP), Systematic Transfer Plan (STP) and Systematic Withdrawal Plan (SWP) on the basis of which, the standing instruction is suspended when the minor attains majority, till the status is changed to major. Please refer SAI for detailed process on investments made in the name of a Minor through a Guardian and Transmission of Units. 51III. 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 – Consolidated Std Obs.26 Benchmark: Not Applicable since the portfolio has not been constructed Investment Objective: Not Applicable since the portfolio has not been constructed Investment Strategy: Not Applicable since the portfolio has not been constructed TER, AUM, Year wise performance, Top 10 Holding/ link to Top 10 holding of the underlying fund – Not Applicable since the portfolio has not been constructed B. Periodic Disclosures such as Half yearly disclosures, half yearly results, annual report Monthly / Half - Yearly The Mutual Fund shall disclose the scheme portfolios as on the Portfolio Disclosures 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 This is a list of securities where the month / half-year respectively. Further, the Mutual Fund shall corpus of the Scheme is currently also disclose portfolio of the scheme on a fortnightly basis within invested. The market value of 5 days from the end of the fortnight. The disclosure shall be on these investments is also stated in https://growwmf.in/statutory-disclosure/portfolio portfolio disclosures. (Fortnightly/Monthly), https://growwmf.in/financials/half- yearly-unaudited-financials-&-portfolio (Half Yearly) 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. Half -Yearly Financial Results The Mutual Fund and AMC shall within one month from the close of each half year i.e. 31st March and on 30th September, host a soft copy of its unaudited financial results on their website. The Mutual Fund and AMC shall publish an advertisement disclosing the hosting of such financial results on their website, in atleast one national English daily newspaper and in a regional newspaper published in the language of the region where the Head Office of the Mutual Fund is situated. It will also be displayed on the website of the AMC (https://www.growwmf.in/financials/half-yearly-unaudited- 52financials-&-portfolio) and AMFI www.amfiindia.com Annual Report The Scheme wise annual report or an abridged summary thereof shall be mailed (emailed, where e-mail id is provided unless otherwise required) to all Unit holders not later than four months (or such other period as may be specified by SEBI from time to time) from the date of closure of the relevant accounting year (i.e. 31st March each year) and full annual report shall be available for inspection at the Head Office of the Mutual Fund and a copy shall be made available to the Unit holders on request on payment of nominal fees, if any. Scheme wise annual report shall also be displayed on the website of the AMC https://www.growwmf.in/financials/scheme-financials and Association of Mutual Funds in India www.amfiindia.com C. Transparency/NAV Disclosure (Details with reference to information given in Section I) The AMC will calculate and disclose the first NAV under the Scheme not later than 5 Business Days from Consolidated the date of allotment of units under the NFO Period. Std Obs. 41 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 AMFI www.amfiindia.com Any other manner as may be specified by SEBI from time to time. 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 AMFI www.amfiindia.com by 10.00 a.m. on the next Business Day. 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 reason, 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 shall not be deducted. Applicability of Stamp Duty : Pursuant to Notification No. S. O. 1226 (E) and G.S.R 226(E) dated March 30, 2020 issued by Department of Revenue, Ministry of Finance, Government of India, read with Part I of Chapter IV of Notification dated February 21, 2019 issued by Legislative Department, Ministry of Law and Justice, Government of India on the Finance Act, 2019, a stamp duty @ 0.005% of the transaction value shall be levied on applicable mutual fund transactions. Accordingly, pursuant to levy of stamp duty, the number of units allotted on purchase transactions to the unitholders would be reduced to that extent. The stamp duty will be deducted from the net investment amount i.e. gross investment amount less any other deduction like transaction charge. Units will be created only for the balance amount i.e. Net Investment Amount as reduced by the stamp duty. The stamp duty will be computed at the rate of 0.005% on an inclusive method basis. For instance: If the transaction amount is Rs. 100000 /-, the stamp duty will be calculated as follows: (Transaction Amount *0.005%) = Rs.5. If the applicable Net Asset Value (NAV) is Rs. 10 per unit, then 53units allotted will be calculated as follows: (Transaction Amount – 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/authorized dealers with respect to the specific amount of tax and other implications arising out of his or her participation in the schemes. Particulars Resident Foreign Non-Resident Mutual Fund Investors Institutional (other than Investor (FII) FII) Tax on Dividend NA NA NA NIL Capital Gain* Long Term Capital Gain 12.5% 12.5% 12.5% NIL (Investment period > 2 years) Short Term Capital Gain Normal tax 30% Normal tax NIL (Investment period <= 2 rates rates years) applicable to applicable to investor investor @ The levy of tax on distributed income payable by mutual funds has been abolished w.e.f. April 1, 2020 and instead tax on income from mutual fund units in the hands of the unit holders at their applicable rates has been adopted. NA – The Scheme does not have a dividend policy, hence not applicable. *Levy of Surcharge and Health & Education Cess ● Old Tax Regime (Individual/HUF/AOP/BOI/AJP): 1. 37% if income > ₹5 crore 2. 25% if income > ₹2 crore ≤ ₹5 crore 3. 15% if income > ₹1 crore ≤ ₹2 crore 4. 10% if income > ₹50 lakh ≤ ₹1 crore ● New Tax Regime (u/s 115BAC (1A)): 1. Max surcharge capped at 25% if income > ₹2 crore ● AOP (with only company members): 1. Max surcharge capped at 15% ● Companies: 1. Domestic: 12% (if income > ₹10 crore), 7% (₹1–10 crore); 10% flat under u/s 115BAA/115BAB 542. Non-resident: 5% (if income > ₹10 crore), 2% (₹1–10 crore) ● Enhanced surcharge (25%/37%) does NOT apply to capital gains under: 1. Section 111A (STCG on equity-oriented funds) 2. Section 112 / 112A (LTCG on listed equity & ETFs) 3. Section 115AD (FIIs) ● Health & Education Cess: 4% on aggregate of basic tax & surcharge Note: Surcharge and cess are not applied while deducting TDS on income of resident investors. G. Rights of Unitholders- Please refer to SAI for details. H. List of official points of acceptance OPAT: Please refer to https://www.growwmf.in/downloads/sid for a complete list of Official points of acceptance. I. Penalties, Pending Litigation or Proceedings, Findings of Inspections or Investigations For Which Consolid ated Action May Have Been Taken or is in the process of being taken by Any Regulatory Authority Std Obs.48 & 49 The said information has been disclosed in good faith as per the information available to the AMC at SO. 22 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 & (MF) Regulations and the Guidelines thereunder shall be applicable. SO 24 The Scheme Information Document containing details of the Scheme of Groww Mutual Fund, had been approved by the Board of Groww Trustee Limited on August 08, 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: August 08, 2025 Place: Mumbai 55Name of Registrar: KFin Technologies Ltd. Selenium,Tower B, Plot number 31 & 32, Financial District, Nanakramguda, Serilingampally Mandal, Hyderabad- 500 032 Contact Number - 1800-309-4034 Email Id - investorsupport.mfs@kfintech.com, Website Address - www.kfintech.com LIST OF COLLECTION CENTRES AMC Investor Service Centres: 1. Lower Parel: 505 – 5th Floor, Tower 2B, One World Centre, Near Prabhadevi Railway Station, Lower Parel, Mumbai – 400013, Maharashtra, Tele-+91 22 69744435 2. Ghatkopar: Office no. 601, Sixth Floor, Wing A, Integrated Arcade, Corner of Dharamshi Lane and R.B. Mehta Marg, Ghatkopar (East), Mumbai – 400077, Maharashtra Customer Support Email Id – support@growwmf.in Customer Support Number - 80501 80222 Time stamping branch MFCentral: With effect from September 24, 2021 MFCentral has been designated as Official point of acceptance of Groww Mutual Fund 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 S.N Branch Name State Consolidated Current Address Landline O Kfin Technologies Ltd No 35 Puttanna 1 Bangalore Karnataka 080-26602852 Road Basavanagudi Bangalore 560004 Kfin Technologies Ltd Premises No.101 Cts No.1893 Shree Guru 2 Belgaum Karnataka 0831 4213717 Darshani Tower Anandwadi Hindwadi Belgaum 590011 Kfin Technologies Ltd Ground Floor 3Rd Office Near Womens College 3 Bellary Karnataka 8392294649 Road Beside Amruth Diagnostic Shanthi Archade Bellary 583103 56Kfin Technologies Ltd D.No 162/6 1St Floor 3Rd Main P J Extension 4 Davangere Karnataka 8192296741 Davangere Taluk Davangere Manda Davangere 577002 Kfin Technologies Ltd H No 2-231 Krishna Complex 2Nd Floor Opp. 5 Gulbarga Karnataka Opp. Municipal Corporation Office 08472 252503 Jagat Station Main Road Kalaburagi Gulbarga 585105 Kfin Technologies Ltd Sas No: 490 Hemadri Arcade 2Nd Main Road 6 Hassan Karnataka 08172 262065 Salgame Road Near Brahmins Boys Hostel Hassan 573201 Kfin Technologies Ltd R R Mahalaxmi Mansion Above Indusind Bank 2Nd 7 Hubli Karnataka 0836-2950643 Floor Desai Cross Pinto Road Hubballi 580029 Kfin Technologies Ltd Shop No - 305 Marian Paradise Plaza 3Rd Floor 8 Mangalore Karnataka 0824-2951645 Bunts Hostel Road Mangalore - 575003 Dakshina Kannada Karnataka Kfin Technologies Ltd Shop No 21 Osia Mall 1St Floor Near Ktc Bus 9 Margoa Goa 0832-2957253 Stand Sgdpa Market Complex Margao - 403601 Kfin Technologies Ltd No 2924 2Nd 10 Mysore Karnataka Floor 1St Main 5Th Cross 8213510066 Saraswathi Puram Mysore 570009 Kfin Technologies Ltd H. No: T-9 T- 11 Panjim Goa 10 Affran Plaza 3Rd Floor Near Don 0832 2996032 Bosco High School Panjim 403001 Kfin Technologies Ltd Jayarama 12 Shimoga Karnataka Nilaya 2Nd Corss Mission Compound 08182-295491 Shimoga 577201 Kfin Technologies Ltd Office No. 401 9081903021/98 13 Ahmedabad Gujarat On 4Th Floor Abc-I Off. C.G. Road - 24327979 Ahmedabad 380009 Kfin Technologies Ltd B-42 Vaibhav Commercial Center Nr Tvs Down 14 Anand Gujarat 9081903038 Town Shrow Room Grid Char Rasta Anand 380001 57Kfin Technologies Ltd 1St Floor 125 Kanha Capital Opp. Express Hotel R 15 Baroda Gujarat 0265-2353506 C Dutt Road Alkapuri Vadodara 390007 Kfin Technologies Ltd 123 Nexus Business Hub Near Gangotri Hotel 16 Bharuch Gujarat 9081903042 B/S Rajeshwari Petroleum Makampur Road Bharuch 392001 Kfin Technologies Ltd 303 Sterling 17 Bhavnagar Gujarat Point Waghawadi Road - Bhavnagar 278-3003149 364001 Kfin Technologies Ltd Shop # 12 Shree Ambica Arcade Plot # 300 Ward 12. 18 Gandhidham Gujarat 9081903027 Opp. Cg High School Near Hdfc Bank Gandhidham 370201 Kfin Technologies Ltd 138 - Suyesh solitaire, Nr. Podar International 19 Gandhinagar Gujarat 079 49237915 School, Kudasan, Gandhinagar-382421 Gujarat Kfin Technologies Ltd 131 Madhav 20 Jamnagar Gujarat Plazza Opp Sbi Bank Nr Lal 0288 3065810 Bunglow Jamnagar 361008 Kfin Technologies Ltd Shop No. 201 2Nd Floor V-Arcade Complex Near 21 Junagadh Gujarat 0285-2652220 Vanzari Chowk M.G. Road Junagadh 362001 Kfin Technologies Ltd Ff-21 22 Mehsana Gujarat Someshwar Shopping Mall Modhera 02762-242950 Char Rasta - Mehsana 384002 Kfin Technologies Ltd 311-3Rd Floor 23 Nadiad Gujarat City Center Near Paras Circle - 0268-2563245 Nadiad 387001 Kfin Technologies Ltd 103 1St Floore 24 Navsari Gujarat Landmark Mall Near Sayaji Library 9081903040 Navsari Gujarat Navsari 396445 Kfin Technologies Ltd 302 Metro 25 Rajkot Gujarat Plaza Near Moti Tanki Chowk Rajkot 9081903025 Rajkot Gujarat 360001 58Kfin Technologies Ltd Ground Floor 26 Surat Gujarat Empire State Building Near Udhna 9081903041 Darwaja Ring Road Surat 395002 Kfin Technologies Ltd 406 Dreamland 27 Valsad Gujarat Arcade Opp Jade Blue Tithal Road 02632-258481 Valsad 396001 Kfin Technologies Ltd A-8 Second Floor Solitaire Business Centre Opp 28 Vapi Gujarat 9081903028 Dcb Bank Gidc Char Rasta Silvassa Road Vapi 396191 Kfin Technologies Ltd 9Th Floor Capital Towers 180 Kodambakkam 044-2830 9147, 29 Chennai Tamil Nadu High Road Nungambakkam | Chennai 044-28309100 – 600 034 Kfin Technologies Ltd Second Floor 30 Calicut Kerala Manimuriyil Centre Bank Road 0495-4022480 Kasaba Village Calicut 673001 Kfin Technologies Ltd Door No:61/2784 Second floor Sreelakshmi 31 Cochin Kerala 0484 - 4025059 Tower Chittoor Road, Ravipuram Ernakulam-Kerala-682015 Kfin Technologies Ltd 2Nd Floor 32 Kannur Kerala Global Village Bank Road Kannur 0497-2764190 670001 Kfin Technologies Ltd Sree 33 Kollam Kerala Vigneswara Bhavan Shastri Junction 474-2747055 Kollam - 691001 Kfin Technologies Ltd 1St Floor Csiascension Square Railway Station 34 Kottayam Kerala 9496700884 Road Collectorate P O Kottayam 686002 Kfin Technologies Ltd No: 20 & 21 35 Palghat Kerala Metro Complex H.P.O.Road Palakkad 9895968533 H.P.O.Road Palakkad 678001 Kfin Technologies Ltd 2Nd 36 Tiruvalla Kerala Floorerinjery Complex Ramanchira 0469-2740540 Opp Axis Bank Thiruvalla 689107 59Kfin Technologies Ltd 4Th Floor 37 Trichur Kerala Crown Tower Shakthan Nagar Opp. 0487- 6999987 Head Post Office Thrissur 680001 Kfin Technologies Ltd, 3rdFloor, No- 3B TC-82/3417, CAPITOL CENTER, 38 Trivandrum Kerala 0471-4618306 OPP SECRETARIAT, MG ROAD, TRIVANDRUM- 695001 Kfin Technologies Ltd 3Rd Floor Jaya 39 Coimbatore Tamil Nadu Enclave 1057 Avinashi Road - 0422 - 4388011 Coimbatore 641018 Kfin Technologies Ltd Address No 38/1 Ground Floor Sathy Road (Vctv 40 Erode Tamil Nadu 0424-4021212 Main Road) Sorna Krishna Complex Erode 638003 Kfin Technologies Ltd No 88/11 Bb 41 Karur Tamil Nadu Plaza Nrmp Street K S Mess Back 04324-241755 Side Karur 639002 Kfin Technologies Ltd No. G-16/17 42 Madurai Tamil Nadu Ar Plaza 1St Floor North Veli Street 0452-2605856 Madurai 625001 Kfin Technologies Ltd Hno 45 1St 43 Nagerkoil Tamil Nadu Floor East Car Street Nagercoil 04652 - 233552 629001 Kfin Technologies Ltd No 122(10B) 44 Pondicherry Pondicherry Muthumariamman Koil Street - 0413-4300710 Pondicherry 605001 Kfin Technologies Ltd No.6 Ns 45 Salem Tamil Nadu Complex Omalur Main Road Salem 0427-4020300 636009 Kfin Technologies Ltd 55/18 Jeney Building 2Nd Floor S N Road Near 46 Tirunelveli Tamil Nadu 0462-4001416 Aravind Eye Hospital Tirunelveli 627001 Kfin Technologies Ltd No 23C/1 E V 47 Trichy Tamil Nadu R Road Near Vekkaliamman Kalyana 0431-4020227 Mandapam Putthur - Trichy 620017 60Kfin Technologies Ltd 4 - B A34 - A37 Mangalmal Mani Nagar Opp. Rajaji 48 Tuticorin Tamil Nadu 0461-2334602 Park Palayamkottai Road Tuticorin 628003 Kfin Technologies Ltd No 2/19 1St 49 Vellore Tamil Nadu Floor Vellore City Centre Anna Salai 0416-4200381 Vellore 632001 Kfin Technologies Ltd Ols Rms Chowmuhani Mantri Bari Road 1St 50 Agartala Tripura Floor Near Jana Sevak Saloon Building 0381-2388519 Traffic Point Tripura West Agartala 799001 Kfin Technologies Ltd Ganapati Enclave 4Th Floor Opposite Bora 0361- 51 Guwahati Assam Service Ullubari Guwahati Assam 3501536/37 781007 Kfin Technologies Ltd Annex Mani 52 Shillong Meghalaya Bhawan Lower Thana Road Near R 0364 - 2506106 K M Lp School Shillong 793001 Kfin Technologies Ltd N.N. Dutta 53 Silchar Assam Road Chowchakra Complex Premtala 03842-261714 Silchar 788001 Kfin Technologies Ltd. #13/4 Vishnupriya Complex Beside Sbi Bank 54 Ananthapur Andhra Pradesh 9063314379 Near Tower Clock Ananthapur- 515001. Kfin Technologies Ltd 2Nd Shatter 55 Guntur Andhra Pradesh 1St Floor Hno. 6-14-48 14/2 Lane 0863-2339094 Arundal Pet Guntur 522002 Kfin Technologies Ltd No:303 040-44857874 / 56 Hyderabad Telangana Vamsee Estates Opp: Bigbazaar 75 / 76 Ameerpet Hyderabad 500016 Kfin Technologies Ltd 2Nd Shutterhno. 7-2-607 Sri Matha 57 Karimnagar Telangana 0878-2244773 Complex Mankammathota - Karimnagar 505001 Kfin Technologies Ltd Shop No:47 58 Kurnool Andhra Pradesh 2Nd Floor S Komda Shoping Mall 08518-228550 Kurnool 518001 61Kfin Technologies Ltd Shop No.4 59 Nanded Maharashtra Santakripa Market G G Road 02462-237885 Opp.Bank Of India Nanded 431601 Kfin Technologies Limited, D.No: 6-7- 7, Sri Venkata Satya Nilayam,1st Floor, 60 Rajahmundry Andhra Pradesh 0883-2442539 Vadrevu vari Veedhi, T - Nagar, Rajahmundry AP- 533101 Kfin Technologies Ltd Shop No 106. 0217-2300021 / 61 Solapur Maharashtra Krishna Complex 477 Dakshin Kasaba 2300318 Datta Chowk Solapur-413007 Kfin Technologies Ltd D No 158, Shop No # 3, Kaki Street, Opp Tulasi Das 62 Srikakulam Andhra Pradesh 8942358563 Hospital, CB Road, Srikakulam Andhra Pradesh - 532001 Kfin Technologies Ltd Shop No:18-1- 9885995544 / 63 Tirupathi Andhra Pradesh 421/F1 City Center K.T.Road Airtel 0877-2255797 Backside Office Tirupathi - 517501 Kfin Technologies Ltd Hno26-23 1St 0866- 64 Vijayawada Andhra Pradesh Floor Sundarammastreet Gandhinagar 6604032/39/40 Krishna Vijayawada 520010 Kfin Technologies Ltd Dno : 48-10-40 Ground Floor Surya Ratna Arcade 65 Visakhapatnam Andhra Pradesh Srinagar Opp Roadto Lalitha Jeweller 0891-2714125 Showroom Beside Taj Hotel Ladge Visakhapatnam 530016 Kfin Technologies Ltd Shop No22 Ground Floor Warangal City Center 66 Warangal Telangana 0870-2441513 15-1-237 Mulugu Road Junction Warangal 506002 Kfin Technologies Ltd 11-4-3/3 Shop No. S-9 1St Floor Srivenkata Sairam 67 Khammam Telangana Arcade Old Cpi Office Near 8008865802 Priyadarshini Collegenehru Nagar Khammam 507002 Kfin Technologies Ltd Selenium Plot No: 31 & 32 Tower B Survey Hyderabad(Gachibow No.115/22 115/24 115/25 Financial 68 Telangana 040-79615122 li) District Gachibowli Nanakramguda Serilimgampally Mandal Hyderabad 500032 62Kfin Technologies Ltd Shop No 25 Ground Floor Yamuna Tarang Complex 69 Akola Maharashtra Murtizapur Road N.H. No- 6 Opp 0724-2451874 Radhakrishna Talkies Akola 444001 Maharashthra Kfin Technologies Ltd Shop No. 21 2Nd Floor Gulshan Tower Near 70 Amaravathi Maharashtra 0721 2569198 Panchsheel Talkies Jaistambh Square Amaravathi 444601 Kfin Technologies Ltd Shop No B 38 71 Aurangabad Maharashtra Motiwala Trade Center Nirala Bazar 0240-2343414 Aurangabad 431001 Kfin Technologies Ltd Sf-13 Gurukripa 0755 Plaza Plot No. 48A Opposite City 72 Bhopal Madhya Pradesh 4077948/35129 Hospital Zone-2 M P Nagar Bhopal 36 462011 Kfin Technologies Ltd Ground Floor Ideal Laundry Lane No 4 Khol Galli 73 Dhule Maharashtra 02562-282823 Near Muthoot Finance Opp Bhavasar General Store Dhule 424001 Kfin Technologies Ltd. 0731- 101 Diamond Trade Center 3-4 74 Indore Madhya Pradesh 4266828/42189 Diamond Colony New Palasia Above 02 Khurana Bakery Indore Kfin Technologies Ltd 2Nd Floor 75 Jabalpur Madhya Pradesh 290/1 (615-New) Near Bhavartal 0761-4923301 Garden Jabalpur - 482001 Kfin Technologies Ltd 3Rd Floor 269 76 Jalgaon Maharashtra Jaee Plaza Baliram Peth Near Kishore 9421521406 Agencies Jalgaon 425001 Kfin Technologies Ltd Plot No. 2 Block No. B / 1 & 2 Shree Apratment 77 Nagpur Maharashtra 0712-3513750 Khare Town Mata Mandir Road Dharampeth Nagpur 440010 Kfin Technologies Ltd S-9 Second 78 Nasik Maharashtra Floor Suyojit Sankul Sharanpur Road 0253-6608999 Nasik 422002 Kfin Technologies Ltd Ii Floor Above 79 Sagar Madhya Pradesh Shiva Kanch Mandir. 5 Civil Lines 07582-402404 Sagar Sagar 470002 63Kfin Technologies Ltd Heritage Shop No. 227 87 Vishvavidhyalaya Marg 0734-4250007 / 80 Ujjain Madhya Pradesh Station Road Near Icici Bank Above 08 Vishal Megha Mart Ujjain 456001 Kfin Technologies Ltd 112/N G. T. Road Bhanga Pachil G.T Road Asansol 81 Asansol West Bengal 0341-2220077 Pin: 713 303; Paschim Bardhaman West Bengal Asansol 713303 Kfin Technologies Ltd 1-B. 1St Floor 82 Balasore Orissa Kalinga Hotel Lane Baleshwar 06782-260503 Baleshwar Sadar Balasore 756001 Kfin Technologies Ltd Plot Nos- 80/1/Anatunchati Mahalla 3Rd Floor 83 Bankura West Bengal 9434480586 Ward No-24 Opposite P.C Chandra Bankura Town Bankura 722101 Kfin Technologies Ltd Opp Divya Nandan Kalyan Mandap 3Rd Lane 84 Berhampur (Or) Orissa 0680-2228106 Dharam Nagar Near Lohiya Motor Berhampur (Or) 760001 Kfin Technologies Ltd Office No.2 85 Bhilai Chatisgarh 1St Floor Plot No. 9/6 Nehru Nagar 7884901014 [East] Bhilai 490020 Kfin Technologies Ltd A/181 Back 86 Bhubaneswar Orissa Side Of Shivam Honda Show Room 0674-2548981 Saheed Nagar - Bhubaneswar 751007 Kfin Technologies Ltd Shop.No.306 87 Bilaspur Chatisgarh 3Rd Floor Anandam Plaza Vyapar 07752-443680 Vihar Main Road Bilaspur 495001 Kfin Technologies Ltd City Centre 88 Bokaro Jharkhand Plot No. He-07 Sector-Iv Bokaro Steel 7542979444 City Bokaro 827004 Kfin Technologies Ltd Saluja Complex; 846 Laxmipur G T Road 89 Burdwan West Bengal 0342-2665140 Burdwan; Ps: Burdwan & Dist: Burdwan-East Pin: 713101 Kfin Technologies Ltd No : 96 Po: 90 Chinsura West Bengal Chinsurah Doctors Lane Chinsurah 033-26810164 712101 64Kfin Technologies Ltd Shop No-45 2Nd Floor Netaji Subas Bose Arcade 91 Cuttack Orissa (Big Bazar Building) Adjusent To 0671-2956816 Reliance Trends Dargha Bazar Cuttack 753001 Kfin Technologies Ltd 208 New 92 Dhanbad Jharkhand Market 2Nd Floor Bank More - 9264445981 Dhanbad 826001 Kfin Technologies Ltd Mwav-16 Bengal Ambuja 2Nd Floor City Centre 93 Durgapur West Bengal 0343-6512111 Distt. Burdwan Durgapur-16 Durgapur 713216 Kfin Technologies Ltd Property No. 94 Gaya Bihar 711045129 Ground Floorhotel Skylark 0631-2220065 Swaraipuri Road - Gaya 823001 Kfin Technologies Ltd D B C Road 95 Jalpaiguri West Bengal Opp Nirala Hotel Opp Nirala Hotel 03561-222136 Opp Nirala Hotel Jalpaiguri 735101 Kfin Technologies Ltd Madhukunj 96 Jamshedpur Jharkhand 3Rd Floor Q Road Sakchi Bistupur 6572912170 East Singhbhum Jamshedpur 831001 Kfin Technologies Ltd Holding No 254/220 Sbi Building Malancha Road 97 Kharagpur West Bengal Ward No.16 Po: Kharagpur Ps: 3222253380 Kharagpur Dist: Paschim Medinipur Kharagpur 721304 Kfin Technologies Ltd 2/1 Russel 98 Kolkata West Bengal Street 4Thfloor Kankaria Centre 033 66285900 Kolkata 70001 Wb Kfin Technologies Ltd Ram Krishna 99 Malda West Bengal Pally; Ground Floor English Bazar - 03512-223763 Malda 732101 Kfin Technologies Ltd, Flat No.- 102, 100 Patna Bihar 2BHK Maa Bhawani Shardalay, 6124149382 Exhibition Road, Patna-800001 Kfin Technologies Ltd Office No S-13 101 Raipur Chatisgarh Second Floor Reheja Tower Fafadih 0771-4912611 Chowk Jail Road Raipur 492001 65Kfin Technologies Ltd Room no 103, 1st Floor, Commerce Tower,Beside Mahabir Tower,Main Road, 102 Ranchi Jharkhand 0651-2330160 Ranchi -834001 Kfin Technologies Ltd 2Nd Floor 103 Rourkela Orissa Main Road Udit Nagar Sundargarh 0661-2500005 Rourekla 769012 Kfin Technologies Ltd First Floor; 104 Sambalpur Orissa Shop No. 219 Sahej Plaza Golebazar; 0663-2533437 Sambalpur Sambalpur 768001 Kfin Technologies Ltd Nanak Complex 105 Siliguri West Bengal 2Nd Floor Sevoke Road - Siliguri 0353-2522579 734001 Kfin Technologies Ltd House No. 17/2/4 2Nd Floor Deepak Wasan 106 Agra Uttar Pradesh 7518801801 Plaza Behind Hotel Holiday Inn Sanjay Place Agra 282002 Kfin Technologies Ltd 1St Floor Sevti 107 Aligarh Uttar Pradesh Complex Near Jain Temple Samad 7518801802 Road Aligarh-202001 Kfin Technologies Ltd Meena Bazar 2Nd Floor 10 S.P. Marg Civil Lines 108 Allahabad Uttar Pradesh 7518801803 Subhash Chauraha Prayagraj Allahabad 211001 Kfin Technologies Ltd 6349 2Nd 109 Ambala Haryana Floor Nicholson Road Adjacent Kos 7518801804 Hospitalambala Cant Ambala 133001 KFin Technologies Ltd Shop no. 18 Gr. 110 Azamgarh Uttar Pradesh Floor, Nagarpalika, Infront of Tresery 7518801805 office, Azamgarh, UP-276001 Kfin Technologies Ltd 1St Floorrear 111 Bareilly Uttar Pradesh Sidea -Square Building 54-Civil Lines 7518801806 Ayub Khan Chauraha Bareilly 243001 66KFin Technologies Limited, SRI RAM MARKET, KALI ASTHAN CHOWK, 7518801807/96 112 Begusarai Bihar MATIHANI ROAD, BEGUSARAI, 93344717 BIHAR - 851101 Kfin Technologies Ltd 2Nd Floor 113 Bhagalpur Bihar Chandralok Complexghantaghar Radha 7518801808 Rani Sinha Road Bhagalpur 812001 KFin Technologies Limited, H No-185, Ward No-13, National Statistical office 114 Darbhanga Bihar 7739299967 Campus, Kathalbari, Bhandar Chowk , Darbhanga, Bihar - 846004 Kfin Technologies Ltd Shop No- 809/799 Street No-2 A Rajendra 115 Dehradun Uttaranchal 7518801810 Nagar Near Sheesha Lounge Kaulagarh Road Dehradun-248001 Kfin Technologies Ltd K. K. Plaza 116 Deoria Uttar pradesh Above Apurwa Sweets Civil Lines 7518801811 Road Deoria 274001 Kfin Technologies Ltd A-2B 2Nd Floor Neelam Bata Road Peer Ki 117 Faridabad Haryana 7518801812 Mazar Nehru Groundnit Faridabad 121001 Kfin Technologies Ltd Ff - 31 Konark 118 Ghaziabad Uttar Pradesh Building Rajnagar - Ghaziabad 7518801813 201001 Kfin Technologies Ltd House No. 119 Ghazipur Uttar Pradesh 148/19 Mahua Bagh Raini Katra- 7518801814 Ghazipur 233001 Kfin Technologies Ltd H No 782 Shiv 120 Gonda Uttar Pradesh Sadan Iti Road Near Raghukul 7518801815 Vidyapeeth Civil Lines Gonda 271001 Kfin Technologies Ltd Shop No 8 & 9 121 Gorakhpur Uttar Pradesh 4Th Floor Cross Road The Mall 7518801816 Bank Road Gorakhpur - 273001 Kfin Technologies Ltd No: 212A 2Nd 122 Gurgaon Haryana Floor Vipul Agora M. G. Road - 7518801817 Gurgaon 122001 67Kfin Technologies Ltd City Centre 123 Gwalior Madhya Pradesh 7518801818 Near Axis Bank - Gwalior 474011 Kfin Technologies Ltd Shoop No 5 124 Haldwani Uttaranchal Kmvn Shoping Complex - Haldwani 7518801819 263139 Kfin Technologies Ltd Shop No. - 17 125 Haridwar Uttaranchal Bhatia Complex Near Jamuna Palace 7518801820 Haridwar 249410 Kfin Technologies Ltd Shop No. 20 126 Hissar Haryana Ground Floor R D City Centre 7518801821 Railway Road Hissar 125001 Kfin Technologies Ltd 1St Floor Puja 127 Jhansi Uttar Pradesh Tower Near 48 Chambers Elite 7518801823 Crossing Jhansi 284001 Kfin Technologies Ltd 15/46 B Ground 128 Kanpur Uttar Pradesh Floor Opp : Muir Mills Civil Lines 7518801824 Kanpur 208001 Kfin Technologies Ltd Ist Floor A. A. 129 Lucknow Uttar Pradesh Complex 5 Park Road Hazratganj 0522-4061893 Thaper House Lucknow 226001 Kfin Technologies Ltd House No. Himachal 130 Mandi 99/11 3Rd Floor Opposite Gss Boy 7518801833 Pradesh School School Bazar Mandi 175001 Kfin Technologies Ltd Shop No. 9 Ground Floor Vihari Lal Plaza 131 Mathura Uttar Pradesh 7518801834 Opposite Brijwasi Centrum Near New Bus Stand Mathura 281001 Kfin Technologies Ltd Shop No:- 111 First Floor Shivam Plaza Near 132 Meerut Uttar Pradesh Canara Bank Opposite Eves Petrol 7518801835 Pump Meerut-250001 Uttar Pradesh India Kfin Technologies Ltd Triveni 133 Mirzapur Uttar Pradesh Campus Near Sbi Life Ratanganj 7518801836 Mirzapur 231001 68Kfin Technologies Ltd Chadha 134 Moradabad Uttar Pradesh Complex G. M. D. Road Near Tadi 7518801837 Khana Chowk Moradabad 244001 Kfin Technologies Ltd House No. Hig 959 Near Court Front Of Dr. Lal 135 Morena Madhya Pradesh 7518801838 Lab Old Housing Board Colony Morena 476001 Kfin Technologies Ltd First Floor 136 Muzaffarpur Bihar Saroj Complex Diwam Road Near 7518801839 Kalyani Chowk Muzaffarpur 842001 Kfin Technologies Ltd F-21 2Nd Floor 137 Noida Uttar Pradesh Near Kalyan Jewelers Sector-18 Noida 7518801840 201301 KFin Technologies Ltd Shop No. 20 1St Floor Bmk Market Behind Hive 138 Panipat Haryana 7518801841 Hotel G.T.Road Panipat-132103 Haryana Kfin Technologies Ltd C/O Mallick Medical Store Bangali Katra Main 139 Renukoot Uttar Pradesh 7518801842 Road Dist. Sonebhadra (U.P.) Renukoot 231217 Kfin Technologies Ltd Shop No. 2 Shree Sai Anmol Complex Ground 140 Rewa Madhya Pradesh 7518801843 Floor Opp Teerth Memorial Hospital Rewa 486001 Kfin Technologies Ltd Office No:- 61 141 Rohtak Haryana First Floor Ashoka Plaza Delhi Road 7518801844 Rohtak 124001. KFin Technologies Ltd Near Shri 142 Roorkee Uttaranchal Dwarkadhish Dharm Shala, Ramnagar, 7518801845 Roorkee-247667 Kfin Technologies Ltd 1St 143 Satna Madhya Pradesh Floor Gopal Complex Near Bus Stand 7518801847 Rewa Roa Satna 485001 Kfin Technologies Ltd 1St Floor Hills Himachal 144 Shimla View Complex Near Tara Hall Shimla 7518801849 Pradesh 171001 69Kfin Technologies Ltd A. B. Road In 145 Shivpuri Madhya Pradesh Front Of Sawarkar Park Near 7518801850 Hotel Vanasthali Shivpuri 473551 Kfin Technologies Ltd 12/12 Surya 146 Sitapur Uttar Pradesh Complex Station Road Uttar Pradesh 7518801851 Sitapur 261001 Kfin Technologies Ltd Disha Complex Himachal 147 Solan 1St Floor Above Axis Bank Rajgarh 7518801852 Pradesh Road Solan 173212 Kfin Technologies Ltd Shop No. 205 148 Sonepat Haryana Pp Tower Opp Income Tax Office 7518801853 Subhash Chowk Sonepat. 131001. Kfin Technologies Ltd 1St 149 Sultanpur Uttar Pradesh Floor Ramashanker Market Civil Line 7518801854 - Sultanpur 228001 KFin Technologies Ltd D.64 / 52, G – 4 Arihant Complex , Second Floor 150 Varanasi Uttar Pradesh 7518801856 ,Madhopur, Shivpurva Sigra ,Near Petrol Pump Varanasi -221010 Kfin Technologies Ltd B-V 185/A 2Nd Floor Jagadri Road Near Dav 151 Yamuna Nagar Haryana 7518801857 Girls College (Uco Bank Building) Pyara Chowk - Yamuna Nagar 135001 Kfin Technologies Ltd 605/1/4 E Ward Shahupuri 2Nd Lane Laxmi Niwas 152 Kolhapur Maharashtra 0231 2653656 Near Sultane Chambers Kolhapur 416001 Kfin Technologies Ltd 6/8 Ground Floor Crossley House Near Bse ( 153 Mumbai Maharashtra 022-46052082 Bombay Stock Exchange)Next Union Bank Fort Mumbai - 400 001 Kfin Technologies Ltd Office # 207- 210 Second Floor Kamla Arcade Jm 020-46033615 / 154 Pune Maharashtra Road. Opposite Balgandharva Shivaji 020-66210449 Nagar Pune 411005 Kfin Technologies Ltd Vashi Plaza 155 Vashi Maharashtra Shop No. 324 C Wing 1St Floor 022-49636853 Sector 17 Vashi Mumbai 400703 70Kfin Technologies Ltd Office No 103, 1st Floor, MTR Cabin-1, Vertex, 156 Andheri Maharashtra Navkar Complex M .V .Road, Andheri 022-46733669 East , Opp Andheri Court, Mumbai - 400069 Kfin Technologies Ltd Gomati Smutiground Floor Jambli Gully Near 157 Borivali Maharashtra 022-28916319 Railway Station Borivali Mumbai 400 092 Kfin Technologies Ltd Room No. 302 3Rd Floorganga Prasad Near Rbl Bank 158 Thane Maharashtra 022 25303013 Ltd Ram Maruti Cross Roadnaupada Thane West Mumbai 400602 Kfin Technologies Ltd 302 3Rd Floor Ajmer Auto Building Opposite City 159 Ajmer Rajasthan 0145-5120725 Power House Jaipur Road; Ajmer 305001 Kfin Technologies Ltd Office Number 160 Alwar Rajasthan 137 First Floor Jai Complex Road 0144-4901131 No-2 Alwar 301001 Kfin Technologies Ltd Sco 5 2Nd 161 Amritsar Punjab Floor District Shopping Complex 0183-5053802 Ranjit Avenue Amritsar 143001 Kfin Technologies Ltd Mcb -Z-3- 01043 2 Floor Goniana Road 162 Bhatinda Punjab Opporite Nippon India Mf Gt Road 0164- 5006725 Near Hanuman Chowk Bhatinda 151001 Kfin Technologies Ltd Office No. 14 B Prem Bhawan Pur Road Gandhi 01482-246362 / 163 Bhilwara Rajasthan Nagar Near Canarabank Bhilwara 246364 311001 KFin Technologies Limited H.No. 10, 164 Bikaner Rajasthan Himtasar House, Museum circle, Civil 0151-2943850 line, Bikaner, Rajasthan - 334001 Kfin Technologies Ltd First Floor Sco 165 Chandigarh Union Territory 2469-70 Sec. 22-C - Chandigarh 1725101342 160022 Kfin Technologies Ltd The Mall Road Chawla Bulding Ist Floor Opp. Centrail 166 Ferozpur Punjab 01632-241814 Jail Near Hanuman Mandir Ferozepur 152002 71Kfin Technologies Ltd Unit # Sf-6 The Mall Complex 2Nd Floor Opposite 167 Hoshiarpur Punjab 01882-500143 Kapila Hospital Sutheri Road Hoshiarpur 146001 Kfin Technologies Ltd Office No 101 1St Floor Okay Plus Tower Next To 01414167715/1 168 Jaipur Rajasthan Kalyan Jewellers Government Hostel 7 Circle Ajmer Road Jaipur 302001 Kfin Technologies Ltd Office No 7 3Rd Floor City Square Building E- 169 Jalandhar Punjab 0181-5094410 H197 Civil Line Next To Kalyan Jewellers Jalandhar 144001 Kfin Technologies.Ltd 1D/D Jammu & 170 Jammu Extension 2 Valmiki Chowk Gandhi 191-2951822 Kashmir Nagar Jammu 180004 State - J&K Kfin Technologies Ltd Shop No. 6 Gang Tower G Floor Opposite Arora 171 Jodhpur Rajasthan 7737014590 Moter Service Centre Near Bombay Moter Circle Jodhpur 342003 Kfin Technologies Ltd 3 Randhir 172 Karnal Haryana Colony Near Doctor J.C.Bathla 0184-2252524 Hospital Karnal ( Haryana ) 132001 Kfin Technologies Ltd D-8 Shri Ram 173 Kota Rajasthan Complex Opposite Multi Purpose 0744-5100964 School Gumanpur Kota 324007 Kfin Technologies Ltd Sco 122 Second Floor Above Hdfc Mutual Fun 174 Ludhiana Punjab 0161-4670278 Feroze Gandhi Market Ludhiana 141001 Kfin Technologies Ltd 1St Floordutt 175 Moga Punjab Road Mandir Wali Gali Civil Lines 01636 - 230792 Barat Ghar Moga 142001 Kfin Technologies Ltd 305 New Delhi 176 New Delhi New Delhi House 27 Barakhamba Road - New 011- 43681700 Delhi 110001 Kfin Technologies Ltd 2Nd Floor Sahni Arcade Complex Adj.Indra 177 Pathankot Punjab 0186-5074362 Colony Gate Railway Road Pathankot Pathankot 145001 72Kfin Technologies Ltd B- 17/423 178 Patiala Punjab Lower Mall Patiala Opp Modi College 0175-5004349 Patiala 147001 Kfin Technologies Ltd First Floorsuper 179 Sikar Rajasthan Tower Behind Ram Mandir 01572-250398 Near Taparya Bagichi - Sikar 332001 Kfin Technologies Ltd Address Shop No. 5 Opposite Bihani Petrol Pump 180 Sri Ganganagar Rajasthan 0154-2470177 Nh - 15 Near Baba Ramdev Mandir Sri Ganganagar 335001 Kfin Technologies Ltd Shop No. 202 2Nd Floor Business Centre 1C 181 Udaipur Rajasthan 0294 2429370 Madhuvan Opp G P O Chetak Circle Udaipur 313001 Kfin Technologies Ltd Dno-23A-7- 72/73K K S Plaza Munukutla Vari 08812-227851 / 182 Eluru Andhra Pradesh Street Opp Andhra Hospitals R R Peta 52 / 53 / 54 Eluru 534002 Kfin Technologies Ltd C/o Global Financial Services,2nd Floor, 183 chandrapur Maharashtra Raghuwanshi Complex,Near Azad 07172-466593 Garden, Chandrapur, Maharashtra- 442402 Kfin Technologies Ltd 11/Platinum 184 Ghatkopar Maharashtra Mall, Jawahar Road, Ghatkopar (East), 9004089306 Mumbai 400077 Kfin Technologies Ltd G7, 465 A, 185 Satara Maharashtra Govind Park Satar Bazaar, Satara - 9890003215 415001 Kfin Technologies Ltd Shop no. 2, Plot 186 Ahmednagar Maharashtra No. 17, S.no 322, Near Ganesh Colony, 9890003215 Savedi, Ahmednagar - 414001 Kfin Technologies Ltd 24-6-326/1, Ibaco Building 4th Floor, Grand Truck 187 Nellore Andhra Pradesh 9595900000 road, Beside Hotel Minerva, Saraswathi Nagar, Dargamitta Nellore - 524003 KFin Technologies Limited Seasons Business Centre, 104 / 1st Floor, Shivaji 9619553105/98 188 Kalyan Maharashtra Chowk, Opposite KDMC (Kalyan 19309203/9004 Dombivali Mahanagar Corporation) 089492 Kalyan - 421301 73KFin Technologies Limited Office 189 Korba Chatisgarh No.202, 2nd floor, ICRC, QUBE, 97, 7000544408 T.P. Nagar, Korba -495677 KFin Technologies Limited 106 9907908155, 190 Ratlam Madhya Pradesh Rajaswa Colony, Near Sailana Bus 9713041958 Stand, Ratlam (M.P.) 457001 KFin Technologies Limited 3rd Floor, 8761867223, 191 Tinsukia Assam Chirwapatty Road, Tinsukia-786125, 8638297322 Assam KFin Technologies Limited Ist Floor, Krishna Complex, Opp. Hathi Gate, 192 Saharanpur Uttar Pradesh 0132-2990945 Court Road, Saharanpur, Uttar Pradesh, Pincode 247001 KFin Technologies Limited Ground 193 Kalyani West Bengal Floor,H No B-7/27S, Kalyani, Kalyani 9883018948 HO, Nadia, West Bengal – 741235 KFin Technologies Limited No.2/3-4. Sri Venkateswara Layout, 194 Hosur Tamil Nadu 0434 4458096 Denkanikottai road, Dinnur 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. 74