Groww Nifty Private Bank Index Fund

SCHEME INFORMATION DOCUMENT- Consolidated Groww Nifty Private Bank Index Fund Std Obs.1 (An open‐ended scheme tracking the Nifty Private Bank Index - TRI) Consolidated This product is suitable for Scheme Riskometer# Benchmark Riskometer Std Obs.3 investors who are seeking*: ● Long-term capital Nifty Private Bank Index – TRI appreciation ● Investment in equity and equity-related instruments of the Nifty Private Bank Index The Scheme Risk-o-meter is at The Benchmark Risk-o-meter is at Very High Risk 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 Units at Rs10 each during the New Fund 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 December 30, 2025. 2TABLE OF CONTENTS PAGE NO. SECTION I I. HIGHLIGHTS / SUMMARY OF THE SCHEME 4 II. INFORMATION ABOUT SCHEME 19 A. HOW WILL SCHEME ALLOCATE ITS ASSESTS 19 B. WHERE WILL THE SCHEME INVEST 21 C. WHAT ARE THE INVESTMENT STRATEGIES 22 D. HOW WILL THE SCHEME BENCHMARK ITS PERFORMANCE 23 E. THE SCHEME? 23 F. HOW IS THE SCHEME DIFFERENT FROM EXISTING SCHEMES OF THE MUTUAL FUND? 26 G. HOW HAS THE SCHEME PERFORMED 26 H. ADDITIONAL SCHEME RELATED DISCLOSURES 27 III. OTHER DETAILS 28 A. COMPUTATION OF NAV 28 B. NEW FUND OFFER (NFO) EXPENSES 29 C. ANNUAL SCHEME RECURRING EXPENSES 29 D. LOAD STRUCTURE 31 SECTION II. 32 I. INTRODUCTION 32 A. DEFINITION & INTERPRETATION 32 B. RISK FACTORS 32 C. RISK MITIGATION STRATEGIES 36 II. INFORMATION ABOUT SCHEME 40 A. WHERE WILL THE SCHEME INVEST? 40 B. WHAT ARE THE INVESTMENT RESTRICTIONS? 41 C. FUNDAMENTAL ATTRIBUTES 45 D. INDEX METHODOLOGY (FOR INDEX FUNDS, ETFS AND FOFS HAVING ONE UNDERLYING DOMESTIC ETF) 45 E. PRINCIPLES OF INCENTIVE STRUCTURE FOR MARKET MAKERS (FOR ETFS) 46 F. FLOORS AND CEILING WITHIN A RANGE OF 5% OF THE INTENDED ALLOCATION AGAINST EACH SUB CLASS OF ASSET 46 G. OTHER SCHEME SPECIFIC DISCLOSURES 47 III. OTHER DETAILS 57 A. IN CASE OF FUND OF FUNDS SCHEME, DETAILS OF BENCHMARK, INVESTMENT OBJECTIVE, INVESTMENT 57 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 57 C. TRANSPARENCY/NAV DISCLOSURE 58 D. TRANSACTION CHARGES AND STAMP DUTY 58 E. ASSOCIATE TRANSACTIONS 59 F. TAXATION 59 G. RIGHTS OF UNITHOLDERS 61 H. LIST OF OFFICIAL POINTS OF ACCEPTANCE 61 I. PENALTIES, PENDING LITIGATION OR PROCEEDINGS, FINDINGS OF INSPECTIONS OR INVESTIGATIONS FOR WHICH 61 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 Nifty Private Bank Index Fund II. Category of the Scheme Index Fund III. Scheme type An open‐ended scheme tracking the Nifty Private Bank Index - TRI Consolidated IV. Scheme code (To be disclosed after obtaining scheme code) Std Obs.7 V. Investment objective The investment objective of the Scheme is to generate long-term capital growth by investing in securities of the Nifty Private Bank Index in the same proportion/weightage with an aim to provide returns before expenses that track the total return of Nifty Private Bank Index, Consolidated Std Obs.5 subject to tracking errors. However, there can be no assurance or guarantee that the investment objective of the scheme will be achieved. VI. Liquidity details: Open-ended. Purchases and redemptions at prices related to Applicable NAV, on each Business Day, commencing not later than 5 Business days from the date of allotment. Listing details Since units of the Scheme will be offered for subscription and redemption at NAV based prices on all Business Days on an ongoing basis providing the required liquidity to investors, units of the Scheme are not proposed to be listed on any stock exchange. However, the Trustee reserves the right to list the units of the Scheme on any stock exchange(s) at its sole discretion at a later date. VII. Benchmark (Total Return • As per AMFI Tier – 1 benchmark Index) Nifty Private Bank Index - TRI The Trustees have adopted Nifty Private Bank Index - Total Return Index as the benchmark index. As per its investment objective, the investment would primarily be in Securities which are constituents of the benchmark index. Thus, the composition of the aforesaid benchmark index is such that it is most suited for comparing performance of the Scheme. The Trustees reserves right to change benchmark in future for measuring performance of the Scheme subject to SEBI (MF)Regulations and circulars issued by SEBI from time to time. VIII. NAV disclosure The NAVs of the Scheme will be calculated and updated on every Business day on AMFI’s website www.amfiindia.com by 11.00 p.m. The First NAV of the scheme shall be declared within 5 working days from the date of allotment. The NAVs shall also be updated on the website of the Groww Mutual Fund viz. https://www.growwmf.in/nav by 11.00 p.m. Further Details in Section II. 4IX. Applicable timelines Timeline for : Dispatch of redemption proceeds: The redemption or repurchase proceeds shall be dispatched to the unitholders within 03 working days from the date of redemption or repurchase. In case of exceptional situations, additional time for redemption payment may be taken. This shall be in line with AMFI letter dated January 16, 2023. Dispatch of IDCW: The IDCW warrants shall be dispatched to the unitholders within 07 working days from the record date. In case of Unit holders having a bank account with certain banks with which the Mutual Fund would have an arrangement from time to time, the IDCW proceeds shall be electronically credited to their account. In case of specific request for IDCW by warrants/cheques/demand drafts or unavailability of sufficient details with the Fund, the IDCW will be paid by warrant/cheques/demand drafts and payments will be made in favour of the unitholder (registered holder of the Unit or, if there are more than one registered holder, only to the first registered holder) with bank account number furnished to the Fund. Please note that it is mandatory for the unitholders to provide the bank account details as per SEBI guidelines. X. Plans and Options The Scheme will have Regular Plan and Direct Plan** with a Plans/Options and sub common portfolio and separate NAVs. Investors should indicate the options under the Scheme Plan for which the subscription is made by indicating the choice in the application form. Consolidated Each of the above Regular and Direct Plan under the scheme will Std Obs.47 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 Nifty Private Bank Index Fund - Direct Plan”. Treatment for investors based on the applications received is given in the table below: Investors should also indicate “Direct” in the ARN column of the application form. If the application is received incomplete with respect to not selecting Regular/Direct Plan, the application will be 5processed as under: Sce Broker Code Plan Default Plan nari mentioned by mentioned to be captured o the investor by the investor 1. N ot mentioned Not Direct Plan mentioned 2. N ot mentioned Direct Direct Plan 3. N ot mentioned Regular Direct Plan Plan 4. M entioned Direct Direct Plan 5. D irect Not Direct Plan mentioned 6. D irect Regular Direct Plan Plan 7. M entioned Regular Regular Plan Plan 8. M entioned Not Regular Plan mentioned For detailed disclosure on default plans and options, kindly refer SAI. XI. Load Structure Exit Load: NIL Consolidated Std Obs.47 XII. Minimum Application Rs. 500 and in multiples of Re. 1/- thereafter Amount/switch in Minimum amount for SIP facility shall be Rs 100/- and in multiples of Re 1/- thereof. XIII. Minimum Additional Rs. 500/- and in multiples of Re.1 Purchase Amount XIV. Minimum The minimum redemption amount for all plans will be Rs. 500/- and Consolidated Redemption/switch out in multiples of Re.1/-. There is no minimum balance requirement Std Obs.36 amount 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. www.growwmf.in XVI. New Fund Offer Price: Rs. 10 per Unit This is the price per unit that the investors have to pay to invest during the NFO. Consolidated XVII. Segregated portfolio/side AMC may create segregated portfolio in the scheme. Std Obs.53 pocketing disclosure For details, kindly refer SAI XVIII Swing pricing disclosure Not applicable since it is an Equity oriented Index Scheme 6XIX. Stock lending/short selling Subject to SEBI (MF) Regulations and in accordance with Clause 12.11 in SEBI Master Circular dated June 27, 2024 on Securities Lending Scheme, and framework for short selling and borrowing and lending of securities,. For Details, kindly refer SAI XX. How to Apply and other Investors may obtain Key Information Memorandum (KIM) along details with the application forms from the AMC offices or Customer Service Centers of the Registrar or may be downloaded from https://www.growwmf.in/downloads/kim . Please refer to the SAI and Application Form for the instructions. Applicants using the ASBA facility may submit the ASBA application form to the Self Certified Syndicate Banks (SCSBs) directly or through the syndicate/ sub syndicate members, authorising the SCSB to block funds available in the investor’s bank account specified in the ASBA application form and maintained with the SCSB. The SCSB shall then block an amount equal to the application amount in the specified bank account until scrutiny of the documents by the Registrar and consequent transfer of the application amount to the account of the Scheme for full and firm allotment of units or until rejection of the application on failure to raise minimum target amount or due to any other reason, as the case may be. For detailed provisions relating to ASBA facility the investors are requested to refer the SAI. An Application Form accompanied by a payment instrument issued from a bank account other than that of the Applicant / Investor will not be accepted except in certain circumstances. For further details, please refer paragraph ―Non – acceptance of Third Party Payment Instruments for subscriptions / investments under the section ―How to Apply in SAI Bank Details: In order to protect the interest of Unit holders from fraudulent encashment of redemption/ IDCW cheques, SEBI has made it mandatory for investors to provide their 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. Where can applications for subscription/redemption/ switches be submitted: Investors can submit the application forms for purchase or redemption or switch at any of the Official Points of Acceptance, details of which are mentioned on the back cover page of this document. Refer to details in Section II XXI. Investor services Investors can enquire about NAVs, Unit Holdings, Valuation, IDCWs, 7etc. 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, pursuant to SEBI Circular no. SEBI/HO/OIAE/OIAE_IAD-1/P/CIR/2023/145 dated July 31, 2023, read along with circular dated August 04, 2023, a common Online Dispute Resolution Portal (“ODR Portal”) has been introduced to provide investors / unit holders with a mechanism to redress their grievances. The ODR Portal allows investors / unitholders with additional mechanism to resolve the grievances through online conciliation and online arbitration. The link to access ODR Portal is https://smartodr.in/login XXII Specific attribute of the The Scheme is an open ended Index Fund scheme (such as lock in, duration in case of target maturity scheme/close 8ended schemes) (as applicable) XXIII Special product/facility Switching and Systematic Investment Plan are available during the available during the NFO NFO. and on ongoing basis The Special Products / Facilities available under the Scheme, are: i. Systematic Investment Plan [SIP] ii. Systematic Transfer Plan[STP] iii. Systematic Withdrawal Plan[SWP] iv. IDCW Sweep Facility v. Transactions by Email vi. Transactions through Electronic Mode vii. K-TRACK’ for transaction in the units of Groww Mutual Fund towards additional purchase, redemption or switch viii. Transactions through Stock Exchange Platform for Mutual Funds ix. Transactions Through MF Utility ("MFU") x. Registration of Multiple Bank Accounts in respect of an Investor Folio xi. MFCentral as Official Point of Acceptance of Transactions (OPAT) For further details of above special products / facilities, For Details, kindly refer SAI i. 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 : Daily, Weekly, Monthly and Quarterly; Minimum SIP instalment 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 and Quarterly: Rs. 500/- and in multiples of Re.1/- thereafter Minimum No. of SIP instalments: Daily – 180 installments Weekly – 24 installments Monthly - 12 installments Quarterly – 4 installments [including the first SIP cheque]; SIP Dates: Any day between 1st and 28th of the month/ of any month in the quarter. 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: 9• SIP auto debit period: The SIP auto debit will continue till 5 years. • SIP date: 15th of the month (commencing 30 days after the first SIP instalment date); and • SIP frequency: Monthly The load structure prevailing at the time of submission of the SIP application [whether fresh or extension] will apply for all the instalments indicated in such application; All the cheques/ payment instructions [including the first cheque/payment instruction] shall be of equal amounts in case of SIP applications; Investors may also choose to invest any lump sum amount along with the first SIP instalment by way of a single cheque/ payment instruction. Investors will have the right to discontinue the SIP facility at any time by sending a written request to any of the Official Point(s) of Acceptance. Notice of such discontinuance should be received at least 02 working 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. ii. 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 - 6 installments Weekly - 6 installments Monthly - 6 installments Quarterly - 6 installments STP Dates: Daily – Every business day Weekly option - Any day from Monday to Friday Monthly/ Quarterly option – 2nd, 8th, 15th or 23rd of the month/ of any month in the quarter Registration period: A minimum period of 7 calendar days shall be required for registration under STP. • If no day is selected, the default day will be Friday. • If the STP date 10falls on a holiday, the transaction will be processed on the next working day. The default options (where the period, frequency and STP date are not indicated) will be as follows: • STP period: 6 instalments. • STP date: 15th of every month; and • STP frequency: Monthly Unitholder may change the amount (but not below the minimum specified amount) / frequency by giving written notice to any of the Official Point(s) of Acceptance at least 7 calendar 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 7 calendar 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. No minimum balance is required in the Transferee scheme for registration of STP. iii. Systematic Withdrawal Plan (SWP) This facility enables unitholders to withdraw a fixed sum (subject to tax deduction at source, if applicable) by redemption of units in the unitholder‘s account at regular intervals through a one-time request. The conditions for investing in SWP will be as follows: SWP Frequency : Monthly; Quarterly Minimum SWP instalment amount: Monthly: Rs. 500/- and in multiples of Re.1/- thereafter; Quarterly – Rs.500/- and in multiples of Re.1 thereafter Minimum No. of SWP instalments: Monthly - 12 instalments Quarterly – 4 installments SWP Dates: 2nd, 8th, 15th or 23rd of every month as the STP date (in case any of these days fall on a non-business day, the transaction will be effected on the next business day of the Scheme). Registration period: A minimum period of 7 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: 15th of every month. If 15th is a holiday, the SWP will be processed on the next business day. 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 7 calendar days prior to next 11SWP execution date. The SWP may be terminated on a written notice of 7 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. No minimum balance is required in the Transferee scheme for registration of SWP. iv. IDCW Sweep Facility IDCW Sweep facility shall be in addition to the existing IDCW Payout and IDCW Reinvestment Option. Default IDCW Option shall be IDCW Payout. Under IDCW Sweep Facility, Unit holders can opt for switching the IDCW earned under any Schemes (Source Scheme) of Groww Mutual Fund into any other Schemes (Target Scheme) of Groww Mutual Fund. The IDCW (net of applicable DDT, if any) shall be swept subject to minimum investment eligibility requirements of the Target Scheme at applicable NAV based prices. The minimum amount for sweep out to be Rs. 500/-. In case the sweep amount is less than Rs. 500/-, the IDCW amount shall be reinvested in the Source scheme. This facility shall be processed on the record date of the IDCW declared under the Source Scheme. Further, this facility shall not allow for switch of partial IDCW or switch of IDCW to multiple schemes. In case the investor fails to specify his preference of Option for the Target scheme into which the IDCW has to be swept, Sweep-in amount shall be invested in default plan / option as mentioned in Scheme Information Document (SID) of Target scheme. The Load Structure prevailing at the time of submission of the STP/SWP application will apply for all the installments indicated in such application. The AMC reserves the right to introduce STP/SWP/ IDCW Sweep Facility at any other frequencies or on any other dates as the AMC may feel appropriate from time to time. v. 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 12documents / instruction to AMC/ Mutual Fund/ Official Points of Acceptance unless indemnified by the investor. vi. 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 vii. K-TRACK’ for transaction in the units of Groww Mutual Fund towards additional purchase, redemption or switch Introduction of additional facility ‘K-TRACK’ for transaction in the units of Groww Mutual Fund towards additional purchase, redemption or switch: Investor may take note of additional facility for transaction in Groww Mutual Fund through K-TRACK; mobile application provided by KFin Technologies Limited Investors may execute additional purchase, redemption or switch transaction through K-TRACK mobile application. The AMC reserves the right to alter/ discontinue all / any of the abovementioned special facility (ies) at any point of time. Further, the AMC reserves the right to introduce more special facility (ies) at a later date subject to prevailing SEBI Guidelines and Regulations. viii. Transactions through Stock Exchange Platform for Mutual Funds - Mutual Fund Distributor registered with Association of Mutual Funds in India (AMFI) and who has been permitted by the concerned recognised stock exchange will be eligible to use NMF-II platform of National Stock Exchange of India Ltd. (‘NSE’) and/or of BSE Star MF platform of Bombay Stock Exchange (‘BSE’) to purchase and redeem units of schemes of the Fund directly from Groww Mutual Fund in physical (non-demat) mode and/or demat (electronic) mode. - MF distributors shall not handle pay out/pay in of funds as well as units on behalf of investor. Pay in will be directly received by recognized clearing corporation and payout will be directly made to investor’s account. In the same manner, units shall be credited and debited directly from the demat account of investors. - Non-demat transactions are also permitted through stock exchange platform. - The facility of transacting in mutual fund schemes through stock exchange infrastructure is available subject to such operating guidelines, terms and conditions as may be prescribed by the respective 13Stock Exchanges from time to time. ix. 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 are: (i) CAN registration; (ii) Submission of documents to KRAs for KYC Registration; (iii) Financial transactions like Purchases, Redemptions and Switches, Registration of Systematic Transactions like Systematic Investments (SIP) using a single Mandate, Systematic Withdrawals (SWP) and Systematic Transfers (STP); (iv) Non-financial transactions (NFT) like Bank Account changes, facilitating change of address through KRAs etc. based on duly signed written requests from the Investors. 5. The CRF and other relevant forms for transacting thorugh MFU can be downloaded from MFUI website at www.mfuindia.com or can be obtained from MFUI POS. 6. Investors transacting through MFU shall be deemed to have consented to exchange of information viz. personal and / or financial 14(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. x. Registration of Multiple Bank Accounts in respect of an Investor Folio: An Investor can register with the Fund upto 5 bank accounts in case of individuals and HUFs and upto 10 in other cases. Registering of Multiple Bank Accounts will enable the Fund to systematically validate the pay-in of funds and avoid acceptance of third party payments. For the purpose of registration of bank account(s), Investor should submit Bank Mandate Registration Form (available at the CSCs/ AMC Website) together with any of the following documents: Cancelled original cheque leaf in respect of bank account to be registered where the account number and names of the account holders are printed on the face of the cheque; or Bank statement or copy of Bank Pass Book page with the Investor‘s Bank Account number, name and address. The above documents will also be required for change in bank account mandate submitted by the Investor. The AMC will register the Bank Account only after verifying that the sole/ first joint holder is the holder/ one of the joint holders of the bank account. In case if a copy of the above documents is submitted, Investor shall submit the original to the AMC/ Service Centre for verification and the same shall be returned. 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 15processed to the currently registered default old bank account. Change of Bank Mandate: Investors are requested to note the following process shall be adopted for Change of Bank Mandate in the folio: a) Investors shall submit duly filled in “Non-Financial Transaction Form & Multiple Bank Accounts Registration Form” along with the prescribed documents at any of the AMC branches / ISCs of Kfin. b) Any unregistered bank account or a new bank account forming part of redemption request shall not be processed. c) There shall be a cooling period of 10 calendar days for validation and registration of new bank account. Further, in case of receipt of redemption request during this cooling period, the validation of bank mandate and dispatch of redemption proceeds shall be completed within a period of 03 working days from the date of receipt of redemption request. d) In the interim, redemptions / IDCW payments, if any, will be processed as per specified service standards and the last registered bank account information will be used for such payments to Unit holders. e) In case, the request for change in bank account information being invalid / incomplete / dissatisfactory in respect of signature mismatch/ document insufficiency/ not complying with any requirements as stated above, the request for such change will not be processed. Change of Address: For change of address, Investors should fill ‘KYC change form’ and submit it to any KYC Registration Agency (KRA) along with following documents: • Proof of new address (POA) and • Any other document/ form that the KRA may specify form time to time. The AMC reserves the right to collect proof of old address on a case to case basis while effecting the change of address. The self-attested copies of above stated documents shall be submitted along with original for verification at any of the AMC branches/Investor Service Centres (ISCs) of KFin. The original document shall be returned to the investors over the counter upon verification. In case the original of any document is not produced for verification, then the copies should be properly attested/verified by entities authorized for attesting/verification of the documents. List of admissible documents for POA & POI mentioned in paragraph 16.2.4.4(b) of SEBI Master Circular 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. 16Through Cash Payment: Cash payment to the extent of Rs.50,000/- per investor, per Mutual Fund, per financial year will be accepted (even from such small investors who may not be tax payers and may not have Permanent Account Number (PAN)/bank accounts. xi. MFCentral as Official Point of Acceptance of Transactions (OPAT): Pursuant to paragraph 16.6 of SEBI Master Circular, 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. MF Central 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. MF Central will be enabling various features and services in a phased manner. MF Central 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 MF Central 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. 17DUE DILIGENCE BY THE ASSET MANAGEMENT COMPANY Consolidated Std Obs.55 & It is confirmed that: SO 26 i. The Scheme Information Document submitted to SEBI is in accordance with the SEBI (Mutual Funds) Regulations, 1996 and the guidelines and directives issued by SEBI from time to time. ii. All legal requirements connected with the launching of the Scheme as also the guidelines, instructions, etc., issued by the Government and any other competent authority in this behalf, have been duly complied with. iii. The disclosures made in the Scheme Information Document are true, fair and adequate to enable the investors to make a well informed decision regarding investment in the Scheme. iv. The intermediaries named in the Scheme Information Document and Statement of Additional Information are registered with SEBI and their registration is valid, as on date. v. The contents of the Scheme Information Document including figures, data, yields etc. have been checked and are factually correct vi. A confirmation that the AMC has complied with the compliance checklist applicable for Scheme Information Documents and other than cited deviations/ that there are no deviations from the regulations vii. Notwithstanding anything contained in this Scheme Information Document, the provisions of the SEBI (Mutual Funds) Regulations, 1996 and the guidelines there under shall be applicable. viii. The Trustees have ensured that Groww Nifty Private Bank Index 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: December 30, 2025 Name: Hemal Zaveri Place: Mumbai Designation: Compliance Officer 18Part II. INFORMATION ABOUT THE SCHEME A. HOW WILL THE SCHEME ALLOCATE ITS ASSETS? Under normal circumstances, the asset allocation will be as follows: Instruments Indicative allocations (% of total assets) Minimum Maximum SO 14 Constituents of Nifty Private Bank Index 95% 100% Money market instruments# / debt securities, Instruments 0% 5% and/or units of debt/liquid schemes of domestic Mutual Funds 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 Consolidated liquidity (debt and money market instruments) are those that fall within the definition of liquid assets which Std Obs.13 includes Cash, Government Securities, T-bills and Repo on Government Securities. The Scheme does not intend to undertake/ invest/ engage in Consolidated • Debt Instruments with special features (AT 1 and AT 2 Bonds) Std Obs.18 • Debt Instruments with SO/CE • InVITs • ADR/ GDR / Foreign Securities • Structured obligation/Credit enhancements • Securitized Debt • Repo in Corporate Debt Securities • Credit default swap • Unrated Debt instruments The cumulative gross exposure to equity, derivatives, debt instruments and money market instruments will Consolidated not exceed 100% of the net assets of the scheme in accordance with Clause 12.24 of SEBI Master Circular. Std Obs.17 Exposure to equity derivatives of the index itself or its constituent stocks may be undertaken when equity shares are unavailable, insufficient or for rebalancing in case of corporate actions for a temporary period which shall Consolidated Std Obs.20 not exceed 7 days. The exposure to derivatives will be rebalanced to align with the underlying index changes in weights or constituents. Index futures/options are meant to be an efficient way of buying/selling an index compared to buying/selling a portfolio of physical shares representing an index for ease of execution and settlement. It can help in reducing the Tracking Error in the Scheme. Index futures/options may avoid the need for trading in individual components of the index, which may not be possible at times, keeping in mind the circuit filter system and the liquidity in some of the individual stocks. Index futures/options can also be helpful in reducing the transaction costs and the processing costs on account of ease of execution of one trade compared 19to several trades of shares comprising the underlying index and will be easy to settle compared to physical portfolio of shares representing the underlying index. In case of investments in index futures/options, the risk/reward would be the same as investments in portfolio of shares representing an index. However, there may be a cost attached to buying an index future/option. The Scheme will not maintain any leveraged or trading positions. Exposure to derivatives for non-hedging purpose will be restricted to 20% of net assets of the scheme. Cash or cash equivalents with residual maturity of less than 91 days may be treated as not creating any exposure. Consolidated Std Obs.14 SEBI vide letter dated November 3, 2021 has clarified that Cash Equivalent shall consist of Government Securities, T-Bills and Repo on Government Securities having residual maturity of less than 91 days. In accordance with Clause 3.4 of SEBI Master Circular SEBI/HO/IMD/IMD-PoD-1/P/CIR/2024/90 dated June 27, 2024 the underlying index shall comply with the portfolio concentration norms as prescribed. Debt securities include, but are not limited to, Debt securities of the Government of India, State and Local Governments, Government Agencies, Statutory Bodies, Public Sector Undertakings, Public Sector Banks or Private Sector Banks or any other Banks, Financial Institutions, Development Financial Institutions, and Corporate Entities, collateralized debt securities or any other instruments as may be prevailing and permissible under the Regulations from time to time). The Debt Securities (including money market instruments) referred to above could be fixed rate or floating rate, listed, unlisted, privately placed, unrated among others, as permitted by regulation. Pending deployment of funds of a Scheme in securities in terms of investment objectives of the Scheme a mutual fund can invest the funds of the Scheme in short term deposits of scheduled commercial banks in terms of Clause 12.16 of SEBI Master Circular 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 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 Regulations and shall charge fees on such amounts in future only if the SEBI 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 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 asset management company shall invest such amounts in such schemes of the mutual fund, based on the risks associated with the schemes, as may be specified by the Board from time to time. In case of NFO, AMC’s investment shall be made during the allotment of units and shall be calculated as a percentage of the final allotment value excluding AMC’s investment pursuant to this circular. 20Indicative Table (Actual instrument/percentages may vary subject to applicable SEBI circulars) Sl. no Type of Instrument Percentage of Circular references* SO 06 exposure 1. Securities Lending 20% Paragraph 12.11 of SEBI Master Circular 2. Equity Derivatives for 20% Paragraph 12.25 of SEBI Master Circular non- hedging purposes 3. Securitized Debt 0% Paragraph 12.15 of SEBI Master Circular 4. Overseas Securities 0% Paragraph 12.19 of SEBI Master Circular 5. InVITS 0% Paragraph 12.21 of SEBI Master Circular 6. AT1 and AT2 Bonds 0% Paragraph 12.2 of SEBI Master Circular 7. Any other instrument 0% - Rebalancing due to passive breach Consolidat ed In accordance with Clause 3.6.7 of SEBI Master Circular in case of change in constituents of the index due to Std Obs. 22 & 24 periodic review, the portfolio of the Scheme shall be rebalanced within 7 calendar days. Any transactions undertaken in the scheme portfolio in order to meet the redemption and subscription obligations shall be done while ensuring that post such transactions replication of the portfolio with the index is maintained at all points of time. In the event of involuntary corporate action, the Scheme shall dispose the security not forming part of the underlying index within 7 Days from the date of allotment/ listing. Further, pursuant to SEBI no. SEBI/HO/IMD/PoD2/P/CIR/2025/92 dated June 26, 2025, the above referred rebalancing provisions shall be applicable for all types of passive breaches. Rebalancing of deviation due to short term defensive consideration Consoli dated In the event of the asset allocation falling outside the limits specified in the asset allocation table, the Fund Manager Std Obs. will rebalance the same within 7 calendar days. However, at all times the portfolio will adhere to the overall 23& 24 investment objectives of the Scheme. Any alteration in the investment pattern will be for short-term defensive consideration as per Clause 1.14.1.2 of SEBI Master Circular the intention being at all times to protect the interests of the Unit Holders Tracking error The Scheme, in general, will hold all the securities that constitute the underlying Index in the same proportion as Consolidat the index. Expectation is that, over a period of time, the tracking error of the Scheme relative to the performance of ed the Underlying Index will be relatively low. The AMC would monitor the tracking error of the Scheme on an ongoing Std Obs.10 basis and would seek to minimize tracking error to the maximum extent possible. Under normal market circumstances such tracking error is not expected to exceed 2% p.a. for daily 12 month rolling return. However, in case of events like, dividend received from underlying securities, and market volatility during rebalancing of the portfolio following the rebalancing of the Underlying Index, etc. or in abnormal market circumstances, the tracking error may exceed the above limits and the same shall be brought to the notice of Trustees with corrective actions taken by the AMC, if any. Since the Scheme is an index fund, it will endeavour that at no point of time the Scheme will deviate from the index. B. WHERE WILL THE SCHEME INVEST? 1. Equity and Equity related instruments constituting the Nifty Private Bank Index - TRI in the similar Consolidated proportion (weightage) as in the Index and endeavour to track the benchmark index including equity Std Obs.29 & SO 15 derivatives for non-hedging purpose upto 20%. 212. Debt securities and Money Market Instruments (including reverse repos, Commercial Deposit, Commercial Paper, Treasury Bills and Tri-Party Repos) permitted by SEBI/RBI or in alternative investment for the call money market as may be provided by RBI to meet the liquidity requirements. 3. Derivatives and such other derivative instruments permitted under Regulations. 4. Mutual Fund units 5. Any other instruments as may be permitted by RBI/SEBI under prevailing laws from time to time. Consolidated C. WHAT ARE THE INVESTMENT STRATEGIES? Std Obs.30 Consolida The Scheme will be managed passively with investments in stocks in a proportion to the weights of these stocks in ted the Nifty Private Bank Index - TRI. The investment strategy would revolve around reducing the tracking error to Std the least possible through rebalancing of the portfolio, considering the change in weights of stocks in the index as Obs.27 &SO 07 well as the incremental collections/redemptions from the Scheme. The designated Fund manager of the scheme will be responsible for taking the day-to-day investment decisions and will inter-alia be responsible for asset allocation, security selection and timing of investment decisions. The Scheme shall be benchmarked to Nifty Private Bank Index - TRI. Since the scheme is an index fund, the compositions of the benchmark are such that it is most suited for comparing performance of the Scheme. A small portion of the net assets will be held as cash or will be invested in debt and money market instruments permitted by SEBI/RBI including TREPS or in alternative investment for the TREPS as may be provided by the RBI, to meet the liquidity requirements under the Scheme. The AMC may approach rating agencies such as CRISIL, ICRA, etc for ratings of the scheme. The Scheme may invest in other Scheme managed by the AMC or in the Schemes of any other Mutual Funds, provided it is in conformity to the investment objectives of the Scheme and in terms of the prevailing Regulations. As per the Regulations, no investment management fees will be charged for such investments and the aggregate inter-Scheme investment made by all Schemes of Groww Mutual Fund or in the Schemes under the management of other asset management companies shall not exceed 5% of the net asset value of the Groww Mutual Fund. The limit however does not apply to any Fund of Funds scheme. For the present, the Scheme does not intend to enter into underwriting obligations. However, if the Scheme does enter into an underwriting agreement, it would do so after complying with the Regulations. “Derivative products are leveraged instruments and can provide disproportionate gains as well as disproportionate Consolid ated losses to the investor. Execution of such strategies depends upon the ability of the fund manager to identify such Std opportunities. Identification and execution of the strategies to be pursued by the fund manager involve uncertainty Obs.28 and decision of fund manager may not always be profitable. No assurance can be given that the fund manager will be able to identify or execute such strategies”. PORTFOLIO TURNOVER Portfolio turnover in the scheme will be a function of market opportunities. It is difficult to estimate with any reasonable measure of accuracy, the likely turnover in the portfolio. The AMC will endeavour to optimize portfolio turnover to optimize risk adjusted return keeping in mind the cost associated with it. A high portfolio turnover rate is not necessarily a drag on portfolio performance and may be representative of investment opportunities that exist in the market. Generally, turnover will depend upon the extent of purchase and redemption of units and the need to rebalance the portfolio on account of change in the composition, if any, and corporate actions of securities included in Nifty Private Bank Index - TRI. However, it will be the endeavour of the Fund Manager to maintain an optimal portfolio 22turnover rate commensurate with the investment objective of the Scheme and the purchase/ redemption transactions on an ongoing basis in the Scheme. D. HOW WILL THE SCHEME BENCHMARK ITS PERFORMANCE? Consolidated Benchmark (Total Returns Index): Nifty Private Bank Index - TRI. Std Obs.25 & SO 09 The Trustees have adopted Nifty Private Bank Index - TRI as the benchmark index. As per its investment objective, the investment would primarily be in Securities which are constituents of the benchmark index. Thus, the composition of the aforesaid benchmark index is such that it is most suited for comparing performance of the Scheme. E. WHO MANAGES THE SCHEME? Consolidated Std Obs.33 & SO 10 The Fund Managers of the Scheme are Mr. Nikhil Satam, Mr. Aakash Chauhan and Mr. Shashi Kumar, their particulars are given below: Name of the Age Education Experience Other Schemes managed Fund Qualification by the Fund Manager Manager Mr. Nikhil 32 years B. Com & Mr. Nikhil Satam has over 8 • Groww BSE Power Satam Masters in years of work experience in the ETF Finance (MFM) financial services industry. • Groww BSE Power Since June 2023, he has been ETF FOF working as an Equity dealer in • Groww ELSS Tax existing equity schemes of Saver Fund Groww Asset Management Ltd. • Groww Multi Asset (Groww AMC), wherein he Allocation Fund handles all active and passive • Groww Nifty 200 scheme dealings. Additionally, ETF he is also working as a backup • Groww Nifty 200 Fund Manager for passive ETF FOF schemes. Prior to joining • Groww Nifty 50 Groww AMC, he was associated Index Fund with Groww Invest Tech Private • Groww Nifty 500 Ltd (formerly known as Low Volatility 50 Nextbillion Technology Pvt. ETF Ltd). Earlier, he worked with • Groww Nifty 500 Motilal Oswal and Kotak Momentum 50 ETF Securities as an Equity Dealer. • Groww Nifty 500 Momentum 50 ETF FOF • Groww Nifty EV & New Age Automotive ETF • Groww Nifty EV & New Age Automotive ETF FOF • Groww Nifty India Defence ETF 23• Groww Nifty India Defence ETF FOF • Groww Nifty India Internet ETF • Groww Nifty India Internet ETF FOF • Groww Nifty India Railways PSU ETF • Groww Nifty India Railways PSU Index Fund • Groww Nifty Next 50 ETF • Groww Nifty Next 50 Index Fund • Groww Nifty Non- Cyclical Consumer Index Fund • Groww Nifty Realty ETF • Groww Nifty Smallcap 250 ETF • Groww Nifty Smallcap 250 Index Fund • Groww Nifty Total Market Index Fund • Groww Nifty Private Bank Index Fund The above mentioned details include name of this Scheme Mr. Aakash 32 years MBA in Finance Mr. Aakash Ashokkumar • Groww BSE Power ETF Chauhan Chauhan has an overall 6 years • Groww BSE Power ETF of experience in the Financial FOF Sector. Prior to joining Groww • Groww Nifty 200 ETF Asset Management Ltd., he was • Groww Nifty 200 ETF associated with Trust Mutual FOF Fund, Mirae Asset Capital • Groww Nifty 50 Index Markets (India) Pvt Ltd. & BP Fund Wealth Pvt Ltd. • Groww Nifty 50 ETF • Groww Nifty 500 Low Volatility 50 ETF • Groww Nifty 500 Momentum 50 ETF • Groww Nifty 500 Momentum 50 ETF FOF • Groww Nifty EV & New Age Automotive ETF • Groww Nifty EV & New 24Age Automotive ETF FOF • Groww Nifty India Defence ETF • Groww Nifty India Defence ETF FOF • Groww Nifty India Internet ETF • Groww Nifty India Internet ETF FOF • Groww Nifty India Railways PSU ETF • Groww Nifty India Railways PSU Index Fund • Groww Nifty Next 50 ETF • Groww Nifty Next 50 Index Fund • Groww Nifty Non- Cyclical Consumer Index Fund • Groww Nifty Realty ETF • Groww Nifty Smallcap 250 ETF • Groww Nifty Smallcap 250 Index Fund • Groww Nifty Total Market Index Fund • Groww Multi Asset Omni FOF • Groww Nifty Private Bank Index Fund The above mentioned details include name of this Scheme Mr. Shashi 46 years PGDBM & Mr. Shashi Kumar has an • Groww BSE Power ETF Kumar B BA overall 17 years of experience in • Groww BSE Power ETF the Insurance Sector. Prior to FOF joining Groww Asset • Groww Nifty 200 ETF Management Ltd., he was • Groww Nifty 200 ETF associated with Bharti Axa Life FOF Co. Ltd. & Canara HSBC Life • Groww Nifty 50 Index Insurance Co. Ltd. Fund • Groww Nifty 50 ETF • Groww Nifty 500 Low Volatility 50 ETF • Groww Nifty 500 Momentum 50 ETF • Groww Nifty 500 25Momentum 50 ETF FOF • Groww Nifty EV & New Age Automotive ETF • Groww Nifty EV & New Age Automotive ETF FOF • Groww Nifty India Defence ETF • Groww Nifty India Defence ETF FOF • Groww Nifty India Internet ETF • Groww Nifty India Internet ETF FOF • Groww Nifty India Railways PSU ETF • Groww Nifty India Railways PSU Index Fund • Groww Nifty Next 50 ETF • Groww Nifty Next 50 Index Fund • Groww Nifty Non- Cyclical Consumer Index Fund • Groww Nifty Realty ETF • Groww Nifty Smallcap 250 ETF • Groww Nifty Smallcap 250 Index Fund • Groww Nifty Total Market Index Fund • Groww Multi Asset Omni FOF • Groww Nifty Private Bank Index Fund The above mentioned details include name of this Scheme F. HOW IS THE SCHEME DIFFERENT FROM EXISTING SCHEMES OF THE MUTUAL FUND? For detailed comparative table of the aforesaid schemes, please click here https://www.growwmf.in/downloads/sid G. HOW HAS THE SCHEME PERFORMED (if applicable) This scheme is a new scheme and does not have any performance track record. 26H. ADDITIONAL SCHEME RELATED DISCLOSURES i. Scheme’s portfolio holdings (top 10 holdings by issuer and fund allocation towards various sectors - 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 - https://growwmf.in/statutory- disclosure/exposure-report 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. Category of Persons Net Value Market Value (In Rs.) No. 1. Concerned scheme’s Fund NAV per Manager(s) Units 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 Private Limited (GAML), the asset management company may invest in the Scheme. However, as per SEBI (MF) Regulations., GAML will not charge any Consolida ted Investment Management Fee for its investment in the Scheme. In addition, the funds managed by the sponsors, Std Group may invest in the Scheme. Obs.58 SO 01 Please refer to https://www.growwmf.in/statutory-disclosure/alignment-of-interest for details. Risk-o-meter shall be evaluated on a monthly basis and the Risk-o-meter shall be disclosed along with portfolio disclosure on GMF website and on AMFI website within 10 days from the close of each month 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. Consolidated Std Obs.38 27Part III- OTHER DETAILS A. COMPUTATION OF NAV The NAV of the Units of the Scheme will be computed by dividing the net assets of the Scheme by the number of Units outstanding on the valuation date. The Fund shall value its investments according to the valuation norms, as specified in Schedule VIII of the Regulations, or such norms as may be prescribed by SEBI from time to time. All expenses and incomes accrued up to the valuation date shall be considered for computation of NAV. For this purpose, major expenses like management fees and other periodic expenses would be accrued on a day to day basis. The minor expenses and income will be accrued on a periodic basis, provided the nondaily accrual does not affect the NAV calculations by more than 1%. Any changes in securities and in the number of units be recorded in the books not later than the first valuation date following the date of transaction. If this is not possible given the frequency of the Net Asset Value disclosure, the recording may be delayed upto a period of seven days following the date of the transaction, provided that as a result of the non-recording, the Net Asset Value calculations shall not be affected by more than 1%. In case the Net Asset Value of a scheme differs by more than 1%, due to non - recording of the transactions, the investors or scheme/s as the case may be, shall be paid the difference in amount as follows:- (i) If the investors are allotted units at a price higher than Net Asset Value or are given a price lower than Net Asset Value at the time of sale of their units, they shall be paid the difference in amount by the scheme. (ii) If the investors are charged lower Net Asset Value at the time of purchase of their units or are given higher Net Asset Value at the time of sale of their units, asset management company shall pay the difference in amount to the scheme. The asset management company may recover the difference from the investors. NAV of units under the Scheme shall be calculated as shown below: NAV (Rs.) = Market or Fair Value of + Current Assets - Current Liabilities and Provisions Scheme's investments including Accrued including accrued expenses Income No. of Units outstanding under Scheme The NAV of the Scheme will be calculated upto four decimal places and will be declared on each business day. The valuation of the Scheme’s assets and calculation of the Scheme’s NAV shall be subject to audit on an annual basis and shall be subject to such regulations as may be prescribed by SEBI from time to time. Illustration: Consolidated Assume that the Market or Fair Value of Scheme’s investments is Rs. 1,00,00,000; Current asset of the Std Obs.42 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 Therefore, the NAV of the scheme is Rs. 22.0000 28While determining the price of the units, the mutual fund shall ensure that the repurchase price of an open ended scheme SO 17 & is not lower than 97 per cent of the Net Asset Value. 19 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 These are the fees and expenses for operating the scheme. These expenses include Investment Management and Advisory Fee charged by the AMC, Registrar and Transfer Agents’ fee, marketing and selling costs etc. as given in the table below. The AMC has estimated that upto 1% of the daily net assets of the scheme will be charged to the scheme as expenses. For the actual Annual Scheme Recurring expenses currently being charged, the investor should refer to the website of the Mutual Fund at www.growwmf.in. As per the Regulations, the maximum recurring expenses including investment management and advisory fee that can be charged to the Scheme shall be subject to a percentage limit of daily net assets as in the table below: 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) % p.a. of daily Net Assets* (Estimated Expense Head p.a.) Investment Management & Advisory Fee Upto 1% Audit fees/fees and expenses of trustees Custodial Fees Registrar & Transfer Agent Fees including cost of providing account statements / IDCW / redemption cheques/ warrants Marketing & Selling Expenses including Agents Commission and statutory advertisement Costs related to investor communications Costs of fund transfer from location to location ^Cost towards investor education & awareness @Brokerage & transaction cost pertaining to distribution of units Goods & Services Tax on expenses other than investment and advisory fees 29Goods & Services Tax on brokerage and transaction cost Other Expenses (to be specified as per Reg 52 of SEBI MF Regulations) Maximum Total expenses ratio (TER) permissible under Regulation 52 Upto 1.00% (6) (b) **Additional expenses under Regulations 52(6A)(c) Upto 0.05% The scheme can charge upto 1.00% of the daily net assets as management fees. ^ In terms of paragraph 10.1.16 of SEBI Master Circular, the AMC / Mutual Fund shall annually set apart at least 1 basis points (i.e., 0.01%) on daily net assets of the scheme within the maximum limit of Total Expense Ratio as per Con Regulation 52 of the SEBI (MF) Regulations for investor education and awareness initiatives. Further, the additional soli date expenses under Regulation 52(6A)(c) shall also be incurred towards the same expense heads. However, as per Para d 10.1.7 of SEBI Master Circular, in case of all schemes, wherein exit load is not levied / not applicable, the AMC will Std not be eligible to charge the above mentioned additional expenses for such schemes. Obs .43 @ 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, 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. **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. 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 provisions of paragraph 10.1 of SEBI Master Circular 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, shall be paid from the Scheme only within the regulatory limits and not from the books of the AMC, its associates, sponsor, trustee or any other entity through any route. Provided that, such expenses that are not specifically covered in terms of Regulation 52 (4) can be paid out of AMC books at actual or not exceeding 2 bps of the Scheme AUM, whichever is lower. b. The Fund / the AMC shall adopt full trail model of commission in the Scheme, without payment of any upfront commission or upfronting of any trail commission, directly or indirectly, in cash or kind, through sponsorships, or any other route. c. All fees and expenses charged in a Direct Plan (in percentage terms) under various heads including the investment and advisory fee shall not exceed the fees and expenses charged under such heads in Regular Plan. d. No pass back, either directly or indirectly, shall be given by the Fund / the AMC / Distributors to the investors. Consolidated Std Obs.44 30Illustration in returns between Regular and Direct Plan Particulars Regular Plan Direct Plan Amount invested at the beginning of the year (Rs,) 10,000 10,000 Returns before Expenses (Rs.) 1,500 1,500 Expenses other than Distribution Expenses (Rs.) 150 150 Distribution Expenses (Rs.) 50 - * Returns after Expenses at the end of the year (Rs.) 1,300 1,350 Returns (%) 13.00% 13.50% *Distribution/Brokerage expense is not levied on Direct Plan Notes: • 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. 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 8050180222) or your distributor or write to us at support@growwmf.in. Type of Load Load chargeable (as %age of NAV) Consolid ated Exit Load Nil Std Obs.47 The Trustee reserves the right to modify/alter the load structure and may decide to charge on the Units with prospective effect, subject to the maximum limits as prescribed under the SEBI Regulations. At the time of changing the load structure, the AMC shall take the following steps: • Arrangements shall be made to display the changes/modifications in the SID in the form of a notice in all the SO 16 Groww Mutual Fund’s ISCs’ and distributors’ offices and on the website of the AMC. • The notice–cum-addendum detailing the changes shall be attached to SIDs and Key Information Memoranda. The addendum will be circulated to all the distributors so that the same can be attached to all SIDs and Key Information Memoranda already in stock. • The introduction of the exit load along with the details shall be stamped in the acknowledgement slip issued to the investors on submission of the application form and may also be disclosed in the statement of accounts issued after the introduction of such load. • Any other measures which the mutual funds may feel necessary. The AMC may change the load from time to time and in case of an exit/repurchase load this may be linked to the period of holding. It may be noted that any such change in the load structure shall be applicable on prospective investment only. The exit load (net off GST, if any, payable in respect of the same) shall be credited to the Scheme of the Fund. The distributors should disclose all the commissions (in the form of trail commission or any other mode) payable to them for the different competing schemes of various mutual funds from amongst which the scheme is being recommended to the investor. 31SECTION II I. Introduction A. Definitions/interpretation For detailed description please click the link: https://www.growwmf.in/downloads/sid B. Risk factors Scheme Specific Risk factors & Special Considerations Consolidated Std Obs.08 • The liquidity of the Scheme’s investments is inherently restricted by trading volumes in the securities & SO 02 in which it invests. • Changes in Government policy in general and changes in tax benefits applicable to mutual funds may impact the returns to Investors in the Scheme. • Mutual Funds being vehicles of securities investments are subject to market and other risks and there can be no guarantee against loss resulting from investing in the schemes. The various factors which impact the value of scheme investments include but are not limited to fluctuations in the equity and bond markets, fluctuations in interest rates, prevailing political and economic environment, changes in government policy, factors specific to the issuer of securities, tax laws, liquidity of the underlying instruments, settlements periods, trading volumes etc. and securities investments are subject to market risks and there is no assurance or guarantee that the objectives of the Scheme will be achieved. • From time to time and subject to the Regulations, the Sponsors, the Mutual Funds and investment companies managed by them, their affiliates, their associate companies, subsidiaries of the Sponsors, and the AMC may invest either directly or indirectly in the Scheme. The funds managed by these affiliates, associates, the Sponsors, subsidiaries of the Sponsors and /or the AMC may acquire a substantial portion of the Scheme’s Units and collectively constitute a major investor in the Scheme. Accordingly, redemption of Units held by such funds, affiliates/associates and Sponsors might have an adverse impact on the Units of the Scheme because the timing of such redemption may impact the ability of other Unitholders to redeem their Units. Further, as per the Regulation, in case the AMC invests in any of the schemes managed by it, it shall not be entitled to charge any fees on such investments. • Different types of securities in which the scheme would invest as given in the Scheme Information Document carry different levels and types of risk. Accordingly, the scheme’s risk may increase or decrease depending upon its investment pattern. E.g. corporate debt securities carry a higher amount of risk than Government securities. Further even among corporate debt securities, bonds which are AAA rated are comparatively less risky than bonds which are AA rated. The Scheme attempts to track the respective indices and it would invest in the securities included in its Underlying indices regardless of their investment merit. The Scheme may be affected by a general decline in the Indian markets. • Performance of the Nifty Private Bank Index - TRI will have a direct bearing on the performance of the scheme. In the event the Nifty Private Bank Index - TRI is dissolved or is withdrawn by NSE India or is not published due to any reason whatsoever, the Trustee reserves the right to modify the respective scheme so as track a different and suitable index or to suspend tracking the Nifty Private Bank Index - TRI till such time it is dissolved / withdrawn or not published and appropriate intimation will be sent to the Unit holders of the scheme. In such a case, the investment pattern will be modified suitably to match the composition of the securities that are included in the new index to be tracked and the scheme will be subject to tracking errors during the intervening period. • Tracking errors are inherent in any index fund and such errors may cause the scheme to generate returns which are not in line with the performance of the Nifty Private Bank Index - TRI or one or 32more securities covered by / included in the Nifty Private Bank Index - TRI and may arise from a variety of factors including but not limited to, any delay in the purchase or sale of shares due to illiquidity in the market, settlement and realisation of sales proceeds, delay in credit of securities or in receipt and consequent reinvestment of Income Distribution cum Capital Withdrawal, etc. • NSE undertakes periodic reviews of the securities that are represented in the Nifty Private Bank Index - TRI and from time to time may exclude existing securities or include new ones. In such an event, the scheme will endeavor to reallocate its portfolio to mirror the changes. However, the reallocation process may not occur instantaneously and permit precise mirroring of the Nifty Private Bank Index - TRI during this period. • The potential of trades to fail may result in the scheme not having acquired the security at the price necessary to mirror the index. • Transaction and other expenses, such as but not limited to brokerage, custody, trustee and investment management fees. • Being an open-ended scheme, the scheme may hold appropriate levels of cash or cash equivalents to meet ongoing redemptions. The scheme may not be able to acquire or sell the desired number of securities due to conditions prevailing in the securities market, such as, but not restricted to: circuit filters in the securities, liquidity and volatility in security prices. • Due to the reasons mentioned above and other reasons that may arise, it is expected that the scheme may have a tracking error not exceeding 2% per annum. In case of unavoidable circumstances in the nature of force majeure, which are beyond the control of the AMC, the tracking error may exceed 2% and the same will be intimated to the Trustees with corrective actions taken by the AMC, if any. • In case of investments in derivatives like index futures, the risk reward would be the same as investments in portfolio of shares representing an index. However, there may be a cost attached to buying an index future. Further, there could be an element of settlement risk, which could be different from the risk in settling physical shares and there is a risk attached to the liquidity and the depth of the index futures market as it is relatively new market. Risk specific to investing in securities forming part of Nifty Private Bank Index – TRI: Groww Nifty Private Bank Index Fund is passively a managed Index Scheme i.e. the amount collected under the scheme is invested in securities of companies comprising the underlying index in the same weightages as they have in the underlying index. The composition of the underlying index is subject to changes that may be affected periodically by the Index Service Provider. Performance of the underlying index will have a direct bearing on the performance of the scheme. The extent of the Tracking error may have an impact on the performance of the scheme. The index methodology may be changed by the index provider in future due to several externalities. The change in the methodology of the index may affect the future portfolio and/or performance of the index and the scheme. Risk 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(s) has invested in Government Securities, there is no credit risk to that extent. Different types of securities in which the scheme(s) would invest as given in the scheme information document carry different levels and types of risk. Accordingly, the scheme’s risk may increase or decrease depending upon its investment pattern. 33E.g. corporate debt securities carry a higher amount of risk than Government securities. Further even among corporate debt securities, bonds which are AAA rated are comparatively less risky than bonds which are AA rated. ▪ Re-investment Risk: Investments in fixed income securities may carry re-investment risk as interest rates prevailing on the interest or maturity due dates may differ from the original coupon of the bond. Consequently, the proceeds may get invested at a lower rate. ▪ Basis Risk (Interest - rate movement): During the life of a floating rate security or a swap, the underlying benchmark index may become less active and may not capture the actual movement in interest rates or at times the benchmark may cease to exist. These types of events may result in loss of value in the portfolio. ▪ Spread Risk: In a floating rate security the coupon is expressed in terms of a spread or mark up over the benchmark rate. However, depending upon the market conditions, the spreads may move adversely or favourably leading to fluctuation in the NAV. ▪ Liquidity Risk: Due to the evolving nature of the floating rate market, there may be an increased risk of liquidity risk in the portfolio from time to time. ▪ Other Risk: In case of downward movement of interest rates, floating rate debt instruments will give a lower return than fixed rate debt instruments. Risks associated with investing in TREPS Segments The mutual fund is a member of securities and TREPS segment of the Clearing Corporation of India (CCIL). All transactions of the mutual fund in government securities and in TREPS segments 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. The members are required to contribute an amount as communicated by CCIL from time to time to the default fund maintained by CCIL as a part of the default waterfall (a loss mitigating measure of CCIL in case of default by any member in settling transactions routed through CCIL). The mutual fund is exposed to the extent of its contribution to the default fund of CCIL at any given point in time. In the event that the default waterfall is triggered and the contribution of the mutual fund is called upon to absorb settlement/default losses of another member by CCIL, the scheme may lose an amount equivalent to its contribution to the default fund allocated to the scheme on a pro-rata basis. Risk associated with securities lending Securities Lending is a lending of securities through an approved intermediary to a borrower under an agreement for a specified period with the condition that the borrower will return equivalent securities of the same type or class at the end of the specified period along with the corporate benefits accruing on the securities borrowed. In case the Scheme undertakes stock lending under the Regulations, it may, at times be exposed to counter party risk and other risks associated with the securities lending. Unitholders of the Scheme should note that there are risks inherent to securities lending, including the risk of failure of the other party, in this case the approved intermediary, to comply with the terms of the agreement entered into between the lender of securities i.e. the Scheme and the approved intermediary. Such failure can result in the possible loss of rights to the collateral put up by the borrower of the securities, the inability of the approved intermediary to return the securities deposited by the lender and the possible loss of any corporate benefits accruing to the lender from the securities deposited with the approved intermediary. The risks in lending portfolio securities, as with other extensions of credit, consist of the failure of another party, in this case the approved intermediary, to comply with the terms of agreement entered into between the lender of securities i.e. the Scheme and the approved intermediary. Such failure to comply can result in the possible loss of rights in the collateral put up by the borrower of the securities, the inability of the approved intermediary to return the securities deposited by the lender and the possible loss of any corporate benefits accruing to the lender from the securities deposited with the approved intermediary. The Mutual Fund may not be able to sell such lent securities and this can lead to temporary illiquidity 34Risk factors with investing in Derivatives Derivative products are leveraged instruments and can provide disproportionate gains as well as disproportionate losses to the investor. Execution of such strategies depends upon the ability of the fund manager to identify such opportunities. Identification and execution of the strategies to be pursued by the fund manager involve uncertainty and decision of fund manager may not always be profitable. No assurance can be given that the fund manager will SO 05 be able to identify or execute such strategies. The risks associated with the use of derivatives are different from or possibly greater than, the risks associated with investing directly in securities and other traditional investments. As and when the Scheme trade in the derivatives market there are risk factors and issues concerning the use of derivatives that investors should understand. Derivative products are specialized instruments that require investment techniques and risk analyses different from those associated with stocks and bonds. The use of a derivative requires an understanding not only of the underlying instrument but of the derivative itself. Derivatives require the maintenance of adequate controls to monitor the transactions entered into, the ability to assess the risk that a derivative adds to the portfolio and the ability to forecast price or interest rate movements correctly. There is the possibility that a loss may be sustained by the portfolio as a result of the failure of another party (usually referred to as the “counter party”) to comply with the terms of the derivatives contract. The specific risk factors arising out of a derivative strategy used by the Fund Manager may be as below: • Lack of opportunity available in the market; • The risk of mispricing or improper valuation and the inability of derivatives to correlate perfectly with underlying assets, rates and indices. Other risks in using derivatives include the risk of mispricing or improper valuation of derivatives and the inability of derivatives to correlate perfectly with underlying assets, rates and indices. Risks associated with Tracking errors/ difference: Tracking error means the extent to which the NAV of the fund moves in a manner inconsistent with the movements 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 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 stocks within the benchmark due to o Illiquidity in the stocks, circuit filters on the stocks • Delay in realisation of sale proceeds • The scheme may buy or sell the stocks comprising the index at different points of time during the trading session at the then prevailing prices which may not correspond to its closing prices. • Index providers may either exclude or include new scrips in their periodic review of the stocks that constitute the underlying index. In such situations the scheme will endeavour to rebalance the portfolio in line with the index. But may not able to mirror the index immediately due the available investment/reinvestment opportunity. 35• 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. Risk factors associated with Creation of Segregated Portfolio 1. Investor holding units of Segregated Portfolio may not be able to liquidate their holding till recovery of money from the issuer. 2. Security comprising Segregated Portfolio may not realise any value. 3. Listing of units of Segregated Portfolio on recognised 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 Consolidated A. RISK MITIGATION STRATEGIES Std Obs.09 Risk Control/ Mitigation measures: Risk mitigation measures for portfolio volatility and portfolio concentration: Index Fund being a passive investment carries lesser risk as compared to active fund management. The portfolio follows the index and therefore the level of stock concentration in the portfolio and its volatility would be the same as that of the index, subject to tracking error. Thus there is no additional element of volatility or stock concentration on account of fund manager decisions. The Risk Mitigation strategy revolves around minimizing the Tracking error to the least possible through regular rebalancing of the portfolio, taking into account the change in weights of stocks in the Underlying Index as well as the incremental collections into / redemptions from the Scheme. Trading through mutual fund trading platforms of NSE In respect of transaction in Units of the Scheme through NSE, allotment and redemption of Units on any Business Day will depend upon the order processing/settlement by NSE and their respective clearing corporations on which the Mutual Fund has no control. Tracking Error and Tracking Difference Risk: Consolidate d Std Obs.10T he Fund Manager would not be able to invest the entire corpus exactly in the same proportion as in the underlying index due to certain factors such as the fees and expenses of the scheme, corporate actions, cash balance, changes to the underlying index, non-availability of issuances, regulatory policies and any such reasons that may affect AMC’s ability to achieve close correlation with the underlying index of the scheme. The scheme’s returns may therefore deviate from those of its underlying index. “Tracking Difference” is the difference of return between the fund and its respective benchmark. “Tracking Error” is defined as the standard deviation of the difference between daily returns of the underlying index and the NAV of the respective scheme. Tracking difference /Tracking Error may arise including but not limited to the following reasons: i) Expenditure incurred by the fund. ii)The holding of a cash position and accrued income prior to distribution of income and payment of accrued 36expenses. The fund may not be invested at all time as it may keep a portion of the funds in cash to meet redemptions or for corporate actions. iii) Securities trading may halt temporarily due to circuit filters. iv) Corporate actions such as debenture or warrant conversion, merger, change in constituents etc. v)Disinvestments to meet redemptions, recurring expenses, etc. vi) Execution of large buy / sell orders vii) Transaction cost (including taxes and insurance premium) and recurring expenses viii) Realisation of Unit holders’ funds. It will be the endeavour of the fund manager to keep the tracking error as low as possible. Under normal circumstances, such tracking error is not expected to exceed 2% per annum. However, in certain events like market volatility during rebalancing of the portfolio following the rebalancing of the underlying index, etc. or in abnormal market circumstances, the tracking error may exceed the above limits. 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. The Fund existence for a period of less than one year, the annualized standard deviation shall be calculated based on available data. Risk factor associated with investment in Units of Mutual Funds: Mutual funds being vehicles of securities investments are subject to market and other risks and there can be no guarantee against loss resulting from investing in the Scheme. The various factors which impact the value of the Schemes’ investments include, but are not limited to, fluctuations in the bond markets, fluctuations in interest rates, prevailing political and economic environment, changes in government policy, factors specific to the issuer of the securities, tax laws, liquidity of the underlying instruments, settlement periods, trading volumes, suspension of 12 subscription/redemptions of the scheme, change in fundamental attribute etc. The Scheme may invest in schemes of Mutual Funds. Hence, scheme specific risk factors of each such mutual fund schemes will be applicable to the Scheme portfolio. Type of Risks Measures/ Strategies to control risks Equity Markets/ • Market Risk and Volatility: Market risk is a risk is inherent to an equity scheme. Equity Oriented Being a passively managed scheme, it will invest in the securities included in its Instruments Underlying Index. • Concentration / Sector Risk: Index Fund being a passive investment carries lesser risk as compared to active fund management. The portfolio follows the index and therefore the level of stock concentration in the portfolio and its volatility would be the same as that of the index, subject to tracking error. Thus there is no additional element of volatility or stock concentration on account of fund manager decisions. The Risk Mitigation strategy revolves around minimizing the Tracking error to the least possible through regular rebalancing of the portfolio, taking into account the change in weights of stocks in the Underlying Index as well as the incremental collections into / redemptions from the Scheme. • Liquidity Risks: As such the liquidity of stocks that the scheme invests into could be relatively low. The scheme will endeavor to maintain a proper asset-liability match to ensure redemption payments are made on time and not affected by illiquidity of the underlying stocks. 37Debt and Money Credit Risk: Management analysis will be used for identifying company specific risks. Market instruments Management’s past track record will also be studied. In order to assess financial risk a detailed assessment of the issuer’s financial statements will be undertaken. • Price-Risk or Interest-Rate Risk: The Scheme may primarily invest the debt portion of the portfolio in money market instruments, units of Liquid and Overnight schemes thereby mitigating the price volatility due to interest rate changes generally associated with long-term securities. • Risk of Rating Migration: The Scheme may primarily invest the debt portion of the portfolio in short-term money market instruments, units of Liquid and Overnight schemes thereby mitigating the risk of rating migration generally associated with long- term securities • Basis Risk: The debt allocation of scheme is primarily cash management strategy and such strategy returns are expected to reflect the very short term interest rate hence investment is done in short term debt and money market instruments. • Spread Risk: The Scheme may primarily invest the debt portion of the portfolio in short-term money market instruments, units of Liquid and Overnight schemes thereby mitigating the risk of spread expansion which is generally associated with long-term securities • Reinvestment Risk: The debt allocation of scheme is primarily cash management strategy and such strategy returns are expected to reflect the very short term interest rate hence investment is done in short term debt and money market instruments. Reinvestment risks will be limited to the extent of debt instruments, which will be a very small portion of the overall portfolio value. • Liquidity Risk: The Scheme may invest in government securities, corporate debt securities and money market instruments. While the liquidity risk for government securities, money market instruments and short maturity corporate debt securities may be low, it may be high in case of medium to long maturity corporate debt securities. The Scheme may, however, endeavor to minimize liquidity risk by primarily investing the debt portion of the portfolio in relatively liquid short-term money market instruments, units of Liquid and Overnight schemes. Derivatives The Scheme may take an exposure to equity derivatives of constituents or index derivatives of the underlying index for short duration when securities of the index are unavailable, insufficient or for rebalancing at the time of change in index or in case of corporate actions, as permitted. All derivatives trade will be done only on the exchange with guaranteed settlement. Exposure with respect to derivatives shall be in line with regulatory limits and the limits specified in the SID. Securities Lending The SLB shall be operated through Clearing Corporation/Clearing House of stock exchanges having nation-wide terminals who are registered as Approved Intermediaries (AIs).” The risk is adequately covered as Securities Lending & Borrowing (SLB) is an Exchange traded product. Exchange offers an anonymous trading platform and gives the players the advantage of settlement guarantee without 38the worries of counter party default. However, the scheme may not be able to sell such lent securities during contract period or have to recall the securities which may be at higher than the premium at which the security is lent. Segregated Portfolio In such an eventuality it will be AMC’s endeavour to realise the segregated holding in the best interest of the investor at the earliest. Tracking errors Over a short period, the Scheme may carry the risk of variance between portfolio composition and Benchmark. The objective of the Scheme is to closely track the performance of the Underlying Index over the same period, subject to tracking error. The Scheme would endeavour to maintain a low tracking error by actively aligning the portfolio in line with the Index. Government As a member of securities segment and Triparty repo segment, maintenance of securities and sufficient margin is a mandatory requirement. CCIL monitors these on a real time basis Triparty repo on and requests the participants to provide sufficient margin to enable the trades etc. Also Government there are stringent conditions / requirements before registering any participants by securities or treasury CCIL in these segments. Since settlement is guaranteed the loss on this account could bills: be minimal though there could be an opportunity loss. Units of overnight & Liquidity is generally high in both overnight as well as liquid schemes. liquid mutual fund schemes 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 measures mentioned above is based on current market conditions and may change from time to time based on changes in such conditions, regulatory changes and other relevant factors. Accordingly, our investment strategy, risk mitigation measures and other information contained herein may change.in response to the same. 39II. INFORMATION ABOUT THE SCHEME: A. Where will the scheme invest 1. Equity and Equity related instruments constituting the Nifty Private Bank Index - TRI in the similar proportion (weightage) as in the Index and endeavour to track the benchmark index including equity derivatives for non-hedging purpose upto 20%. 3. Debt securities and Money Market Instruments (including reverse repos, Commercial Deposit, Commercial Paper, Treasury Bills and Tri-Party Repos) permitted by SEBI/RBI or in alternative investment for the call money market as may be provided by RBI to meet the liquidity requirements o Certificate of Deposits (CD) - CD is a negotiable money market instrument issued by scheduled commercial banks and select all-India Financial Institutions that have been permitted by the RBI to raise short term resources. The maturity period of CDs issued by the Banks is between 7 days to one year, whereas, in case of FIs, maturity is between one year to 3 years from the date of issue. CDs may be issued at a discount to face value. o Commercial Papers (CP) - CP is an unsecured negotiable money market instrument issued in the form of a promissory note, generally issued by the corporates, primary dealers and all India Financial Institutions as an alternative source of short term borrowings. They are issued at a discount to the face value as may be determined by the issuer. CP is traded in secondary market and can be freely bought and sold before maturity. o Treasury Bills (T-Bills) are issued by the Government of India to meet their short term borrowing requirements. T-Bills are issued for maturities of 91 days, 182 days and 364 days. T- bills are issued at a discount to their face value and redeemed at par. o Triparty Repo (TREPS) – "Triparty repo" means a repo contract where a third entity (apart from the borrower and lender), called a Tri- Party Agent, acts as an intermediary between the two parties to the repo to facilitate services like collateral selection, payment and settlement, custody and management during the life of the transaction. TREPS facilitates, borrowing and lending of funds, in Triparty Repo arrangement. 4. Derivatives and such other derivative instruments permitted under Regulations. 5. Investments in units of mutual fund schemes – The Scheme may invest in other schemes managed by the AMC or in the schemes of any other mutual funds in conformity with the investment objective of the Scheme and in terms of the prevailing SEBI (MF) Regulations. 6. Any other instruments as may be permitted by RBI/SEBI under prevailing laws from time to time. Transfer of investments from one scheme to another scheme in the same Mutual Fund, shall be allowed, in lines with para 12.30 of SEBI Master Circular Consolidated Std Obs.30 For applicable regulatory investment limits please refer paragraph "Investment Restrictions”. The Fund Manager reserves the right to invest in such securities as maybe permitted from time to time and which are in line with the investment objectives of the Scheme. 40B. What are the investment restrictions? Investment restrictions as contained in the SEBI (MF) Regulations specifically in the Seventh SO 11 Schedule of the Regulations including any amendments thereto and SEBI circulars issued from time to time and as applicable to the Scheme are provided below: 1) The Mutual Fund under all its Scheme(s) shall not own more than 10% of any company’s paid up capital carrying voting rights or 10% of units of REITs issued by a single issuer, as the case may be. Provided, investment in the asset management company or the trustee company of a mutual fund shall be governed by clause (a), of sub- regulation (1), of regulation 7B of the SEBI (MF) Regulations.. 2) The Scheme shall buy and sell securities on the basis of deliveries and shall in all cases of purchases, take delivery of relevant securities and in all cases of sale, deliver the securities; Provided further that the Scheme may enter into derivatives transactions in a recognised stock exchange, subject to the framework specified by SEBI; Provided further that sale of government security already contracted for purchase shall be permitted in accordance with the guidelines issued by the Reserve Bank of India in this regard. 3) All investments by the Scheme in equity shares and equity related instruments shall only be made provided such securities are listed or to be listed. 4) The Scheme shall not invest more than 10% of its NAV in equity shares/equity related instruments of any entity. Provided that, the limit of 10% shall not be applicable for investments in index fund or sector/industry specific scheme. As per Clause 12.5 of SEBI Master Circular “the investments by index funds shall be in accordance with the weightage of the scrips in the specific index as disclosed in the Scheme Information Document. In case of sector/industry specific scheme, the upper ceiling on investments may be in accordance with the weightage of the scrips in the respective sectoral index/sub index or 10% of the NAV of the scheme whichever is higher. 5) The Scheme shall not invest more than 10% of its NAV in debt instruments comprising money market instruments and non-money market instruments issued by a single issuer which are rated not below investment grade by a credit rating agency authorised to carry out such activity under the SEBI Act. Such investment limit may be extended to 12% of the NAV of the Scheme with the prior approval of the Boards of the Trustee Company and the AMC; Provided that such limit shall not be applicable for investments in Government Securities, treasury bills and tri-party repos on government securities or treasury bills; 6) Further, in accordance with paragraph 12.8 of SEBI Master circular, within the limits specified above, following prudential limits shall be followed for the scheme: The scheme shall not invest more than: • 10% of its NAV in debt and money market securities rated AAA; or • 8% of its NAV in debt and money market securities rated AA; or • 6% of its NAV in debt and money market securities rated A and below issued by a single issuer. The above investment limits may be extended by up to 2% of the NAV of the scheme with prior approval of the Board of Trustees and Board of Directors of the AMC, subject to compliance with the overall 12% limit specified in clause 1 of Seventh Schedule of MF Regulation. The long term rating of issuers shall be considered for the money market instruments. However, if there is no long term rating available for the same issuer, then based on credit rating mapping of Credit Rating Agency (CRAs) between short term and long term ratings, the most conservative long term rating shall be taken for a given short term rating 41Provided further that investment within such limit can be made in mortgaged backed securitised debt which are rated not below investment grade by a credit rating agency registered with SEBI. Provided that such limit shall not be applicable for investments in Government Securities, treasury bills and triparty repo on Government securities or treasury bills. Provided further that such limit shall not be applicable for investments in case of debt exchange traded funds or such other funds as may be specified by the Board from time to time. Considering the nature of the Scheme, investments in such instruments will be permitted up to 5% of its Net Assets. 7) The Scheme shall not make any investment in: i. any unlisted security of an associate or group company of the sponsor; ii. any security issued by way of private placement by an associate or group company of the sponsor or iii. the listed securities of group companies of the sponsor which is in excess of 25% of the net assets. 8) Transfer of investments from one Scheme to another Scheme in the same Mutual Fund is permitted provided: i. such transfers are done at the prevailing market price for quoted instruments on spot basis ii. the securities so transferred shall be in conformity with the investment objectives & policies of the Scheme to which such transfer has been made; and iii. the securities so transferred shall be in conformity with the investment objective of the Scheme to which such transfer has been made. 9) The Scheme may invest in other Schemes under the same AMC or any other Mutual Fund without charging any fees, provided the aggregate inter-Scheme investment made by all the Schemes under the same management or in Schemes under management of any other asset management company shall not exceed 5% of the Net Asset Value of the Fund. Provided that this clause shall not apply to any Fund of Funds scheme. 10) The Fund shall get the securities purchased transferred in the name of the Fund on account of the concerned Scheme, wherever investments are intended to be of a long-term nature. 11) All the Scheme’s investments will be in transferable securities. 12) No loans for any purpose can be advanced by the Scheme. 13) The Fund shall not borrow except to meet temporary liquidity needs of the Fund for the purpose of repurchase/ redemption of units or payment of interest and/or Income Distribution cum Capital Withdrawal to the Unitholder’s, provided that the Fund shall not borrow more than 20% of the net assets of the individual Scheme and the duration of the borrowing shall not exceed a period of 6 months. 14) Pending deployment of the funds of the Scheme in securities in terms of the investment objective of the Scheme, the AMC may park the funds of the Scheme in short term deposits of scheduled commercial banks, subject to the guidelines issued by SEBI from time to time. currently, the following guidelines/restrictions are applicable for parking of funds in short term deposits: • “Short Term” for such parking of funds by the Scheme shall be treated as a period not exceeding 91 days. • Such short-term deposits shall be held in the name of the Scheme. • The Scheme shall not park more than 15% of the net assets in short term deposit(s) of all the scheduled commercial banks put together. However, such limit may be raised to 20% with prior approval of the Trustee. 42• Parking of funds in short term deposits of associate and sponsor scheduled commercial banks together shall not exceed 20% of total deployment by the Mutual Fund in short term deposits. • The Scheme shall not park more than 10% of the net assets in short term deposit(s),with any one scheduled commercial bank including its subsidiaries. • The Scheme shall not park funds in short term deposit of a bank which has invested in that Scheme. The Trustees / AMCs shall ensure that the bank in which the Scheme has short term deposit do not invest in the Scheme until the Scheme has STD with such bank. • The AMC shall not charge any investment management and advisory fees for parking of funds in short term deposits of scheduled commercial banks. However, the above provisions will not apply to term deposits placed as margins for trading in cash and Derivatives market. 15) The Scheme will comply with provisions specified in Circular dated August 18, 2010 related to overall exposure limits applicable for derivative transactions as stated below: (a) The cumulative gross exposure through equity, debt, derivative positions and across various other asset classes in which the Scheme is permitted to invest should not exceed 100% of net assets of the Scheme. (b) Mutual Funds shall not write options or purchase instruments with embedded written options. (c) The total exposure related to option premium paid must not exceed 20% of the net assets of the Scheme. (d) Cash or cash equivalents with residual maturity of less than 91 days may be treated as not creating any exposure. (e) Definition of Exposure in case of Derivatives Positions – Each position taken in derivatives shall have an associated exposure as defined under. Exposure is the maximum possible loss that may occur on a position. However, certain derivative positions may theoretically have unlimited possible loss. Exposure in derivative positions shall be computed as follows: Position Exposure Long Future Futures Price * Lot Size * Number of Contracts Short Future Futures Price * Lot Size * Number of Contracts Option Bought Option Premium Paid * Lot Size * Number of Contracts 16) The scheme shall not make any investment in a Fund of Funds scheme. 17) All investments by the Scheme in Commercial Papers (CPs) would be made only in CPs which are listed or to be listed. 18) The Scheme shall not invest in unlisted debt instruments including commercial papers (CPs), other than (a) government securities, (b) other money market instruments. However, 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. For the purpose of investment in debt instruments, listed debt instruments shall include listed and to be listed debt instruments. 19) Investment in unrated debt and money market instruments, other than government securities, treasury bills etc by the Scheme shall be subject to the following: 43i. Investments shall only be made in such instruments, including bills re-discounting, 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. ii. Exposure of the Scheme in such instruments, shall not exceed 5% of the net assets of the Scheme. All such investments shall be made with the prior approval of the Board of AMC and the Board of Trustees. 20) The Scheme being an index fund, the investment by the Scheme in the equity shares or equity related instruments of any company shall be in accordance with the weightage of the scrips in Groww Nifty Private Bank Index Fund 21) As per paragraph 3.4 of SEBI Master circular for Mutual Fund, in order to address the risk related to portfolio concentration in the Scheme, the underlying index for this scheme shall comply with the following: a. The index shall have a minimum of 10 stocks as its constituents. b. For a sectoral/ thematic Index, no single stock shall have more than 35% weight in the index. For other than sectoral/ thematic indices, no single stock shall have more than 25% weight in the index. The weightage of the top three constituents of the index, cumulatively shall not be more than 65% of the Index. c. The individual constituent of the index shall have a trading frequency greater than or equal to 80% and an average impact cost of 1% or less over previous six months. Accordingly, the underlying Index shall ensure that such index complies with the aforesaid norms. Further, on a half yearly basis index will be screened by NSE, for compliance with the portfolio concentration norms for ETFs/ Index Funds announced by paragraph 3.4 of SEBI Master circular. In case of non-compliance, suitable corrective measures will be taken to ensure compliance with the norms. The Scheme shall endeavor to follow the guidelines prescribed under paragraph 3.4 of SEBI Master circular, and circular issued thereunder from time to time. The inter Scheme transfer of investments shall be in accordance with the provisions contained in paragraph Inter- Scheme transfer of investments stated in paragraph 12.30 of the Master Circular. These investment restrictions shall be applicable at the time of investment. Changes, if any, do not have to be effected merely because, owing to appreciations or depreciations in value, or by reason of the receipt of any rights, bonuses or benefits in the nature of capital or of any Schemes of arrangement or for amalgamation, reconstruction or exchange, or at any repayment or redemption or other reason outside the control of the mutual Fund, any such limits would thereby be breached. If these limits are exceeded for reasons beyond its control, AMC shall as soon as possible take appropriate corrective action, taking into account the interests of the Unit holders. In addition, certain investment parameters may be adopted internally by AMC, and amended from time to time, to ensure appropriate diversification / security for the Scheme subject to SEBI (MF) regulations and circular issued thereunder from time to time. The Scheme will comply with SEBI regulations and any other Regulations applicable to the investments of Mutual Funds from time to time. The Trustees may alter the above restrictions from time to time to the extent that changes in the Regulations may allow and/or as deemed fit in the general interest of the Unitholders. All investment restrictions shall be applicable at the time of making the investment. Modifications, if any, in the Investment Restrictions on account of amendments to the Regulations shall supersede/override the provisions of the Trust Deed. 44C. Fundamental Attributes Consolidated Following are the Fundamental Attributes of the scheme, in terms of Clause 1.14 of SEBI Master Std Obs.59 & Circular SO 08 i. Type of a scheme -An open‐ended scheme tracking the Nifty Private Bank Index - TRI ii. Investment Objective o Main Objective – Please refer to Part I. V ie “Investment Objective” mentioned under “Highlights/Summary of the Scheme” o Investment pattern – Please refer to Part II.A “HOW WILL THE SCHEME ALLOCATE ITS ASSETS?” iii. Terms of Issue – o Liquidity provisions such as listing, repurchase, redemption - Please refer to the Part I o Aggregate fees and expenses charged to the scheme: Please refer to the section Part III 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 of the SEBI Master Circular, the Trustees shall ensure that no change in the fundamental attributes of the Scheme and the Plan(s)/Option(s) thereunder or the trust or the fees and expenses payable or any other change which would modify the Scheme and the Plan(s)/Option(s) thereunder and affect the interest of the unit holders is carried out by the AMC, unless it complies with sub-Regulation (26) of Regulation 25 of SEBI (MF) Regulations. Pursuant to Regulation 25(26) of the SEBI (MF) Regulations and Clause 1.14.1.4 of SEBI Master Circular, the AMC shall ensure that no change in the fundamental attributes of the Scheme and the Plan(s)/Option(s) thereunder or the trust or the fees and expenses payable or any other change which would modify the Scheme and the Plan(s)/Option(s) thereunder and affect the interest of unit holders, shall be carried out unless- • SEBI has reviewed and provided its comments on the proposal • A written communication about the proposed change is sent to each Unit holder 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 Unit holders are given an option for a period of 30 calendar days to exit at the prevailing Net Asset Value without any Exit Load. D. Index methodology Eligibility Criteria for Selection of Constituent Stocks: • Companies should form part of Nifty 500 at the time of review. In case, the number of eligible stocks representing a particular sector within Nifty 500 falls below 10, then deficit number of stocks shall be selected from the universe of stocks ranked within top 800 based on both average daily turnover and average daily full market capitalisation based on previous six months period data used for index rebalancing of Nifty 500. • Banks having 50% or more of their outstanding share capital held by central or state government directly, or by central or state government controlled banks will be excluded from stock selection. • The bank's trading frequency should be at least 90% in the last six months. • The Company/bank should have a minimum listing history of 1 month as on the cutoff date. • Final selection of 10 companies shall be done based on free float market capitalisation. A preference shall be given to companies that are available for trading in NSE’s Futures & Options segment at the time of final 45selection. vi. Weightage of each stock in the index is calculated based on its free-float market capitalization such that no single stock shall be more than 23% and weightage of top 3 stocks cumulatively shall not be more than 62% at the time of rebalancing. Index Re-Balancing: • Index is re-balanced on semi-annual basis. The cut-off date is January 31 and July 31 of each year, i.e. for semi-annual review of indices, average data for six months ending the cut-off data is considered. Exclusion from the index is done due to suspension or delisting or in case of corporate event such as scheme of arrangement / demerger / acquisition Index top 10 constituents as on 14th Nov 2025 - SECURITY_NAME WEIGHTAGE HDFC BANK LTD. 20.96 ICICI BANK LTD. 20.08 AXIS BANK LTD. 19.88 KOTAK MAHINDRA BANK LTD. 19.29 FEDERAL BANK LTD. 4.71 INDUSIND BANK LTD. 4.53 IDFC FIRST BANK LTD. 4.32 YES BANK LTD. 3.60 RBL BANK LTD. 1.55 BANDHAN BANK LTD. 1.09 , the underlying index shall comply with the below restrictions: The index shall have a minimum of 10 stocks as its constituents. A. For a sectoral/ thematic Index, no single stock shall have more than 35% weight in the index. For other than sectoral/ thematic indices, no single stock shall have more than 25% weight in the index. B. The weightage of the top three constituents of the index, cumulatively shall not be more than 65% of the Index. C. The individual constituent of the index shall have a trading frequency greater than or equal to 80% and an average impact cost of 1% or less over the previous six months. E. Principles of incentive structure for market makers (for ETFs) Performance based incentives as and when offered to market marker, shall be disclosed as per SEBI Circular. The same shall be charged within the permissible TER limit: 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 46G. Other Scheme Specific Disclosures: Listing and transfer of units Since units of the Scheme will be offered for subscription and redemption at NAV based prices on all Business Days on an ongoing basis providing the required liquidity to investors, units of the Scheme are not proposed to be listed on any stock exchange. However, the Trustee reserves the right to list the units of the Scheme on any stock exchange(s) at its sole discretion at a later date. Consolidated Dematerialization of units In accordance with Paragraph 14.4.2(a) of SEBI Master Std Obs.57 Circular, investors have the option to receive allotment of Mutual Fund units in their demat account while subscribing to this scheme. Such units held in demat form shall be fully transferable. Minimum Target amount The Fund seeks to collect a minimum subscription amount of (This is the minimum amount Rs. 5,00,00,000/- (Rupees Five crores only) under the scheme. required to operate the scheme and if this is not collected during the NFO period, then all the investors would be refunded the amount invested without any return.) Maximum Amount to be raised (if There is no upper limit on the total amount that may be any) collected. Dividend/IDCW Polic y 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 at any time 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 47the 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: Under 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. 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. 48Who can invest The following persons are eligible to apply for subscription to This is an indicative list and investors the units of the Scheme (subject to, wherever relevant, shall consult their financial advisor to subscription to units of the Scheme being permitted under the ascertain whether the scheme is respective constitutions and relevant statutory regulations): suitable to their risk profile. 1. Indian resident adult individuals either singly or jointly (not exceeding three) or on an Anyone or Survivor basis; 2. Hindu Undivided Family (HUF) through Karta of the HUF; 3. Minor through parent / legal guardian; 4. Partnership Firms and Limited Liability Partnerships (LLPs); 5. Proprietorship in the name of the sole proprietor; 6. Companies, Bodies Corporate, Public Sector Undertakings (PSUs), Association of Persons (AOP) or Bodies of Individuals (BOI) and societies registered under the Societies Registration Act, 1860; 7. Banks (including Co-operative Banks and Regional Rural Banks) and Financial Institutions; 8. Mutual Funds registered with SEBI; 9. Religious and Charitable Trusts, Wakfs or endowments of private trusts (subject to receipt of necessary approvals as required) and private trusts authorised to invest in mutual fund schemes under their trust deeds; 10. Non-Resident Indians (NRIs) / Persons of Indian origin (PIOs) residing abroad on repatriation basis or on non- repatriation basis; 11. Foreign Portfolio Investors (FPIs) and their subaccounts registered with SEBI on repatriation basis; 12. Army, Air Force, Navy and other para-military units and bodies created by such institutions; 13. Scientific and Industrial Research Organizations; 14. Multilateral Funding Agencies / Bodies Corporate incorporated outside India with the permission of Government of India / RBI; 15. Provident Funds, Pension Funds, Gratuity Funds and Superannuation Funds to the extent they are permitted; 16. Other schemes of Groww Mutual Fund subject to the conditions and limits prescribed by SEBI (MF) Regulations; 17. Trustee, AMC or Sponsor or their associates may subscribe to units under the Scheme; 18. Such other individuals /institutions/ body corporates etc., as may be decided by the AMC from time to time, so long as, wherever applicable, subject to their respective constitutions and relevant statutory regulations. The list given above is indicative and the applicable laws, if any, as amended from time to time shall supersede the list. Note: 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 49the mutual funds subject to conditions set out in the aforesaid regulations. 2. It is expressly understood that at the time of investment, the investor/unitholder has the express authority to invest in units of the Scheme and the AMC / Trustee / Mutual Fund will not be responsible if such investment is ultra vires the relevant constitution. Subject to the Regulations, the Trustee may reject any application received in case the application is found invalid/ incomplete or for any other reason in the Trustee's sole discretion. 3. Dishonored cheques are liable not to be presented again for collection, and the accompanying application forms are liable to be rejected. 4. The Trustee, reserves the right to recover from an investor any loss caused to the Scheme on account of dishonor of cheques issued by the investor for purchase of Units of this Scheme. 5. For subscription in the Scheme, it is mandatory for investors to make certain disclosures like bank details etc. and provide certain documents like PAN copy etc. (for details please refer SAI) without which the application is liable to be rejected. 6. Subject to the SEBI (MF) Regulations, any application for units of this Scheme may be accepted or rejected in the sole and absolute discretion of the Trustee/AMC. The Trustee/AMC may inter-alia reject any application for the purchase of units if the application is invalid or incomplete or if the Trustee for any other reason does not believe that it would be in the best interest of the Scheme or its unitholders to accept such an application. Who cannot invest The following persons are not eligible to invest in the Scheme: • Any individual who is a foreign national or any other entity that is not an Indian resident under the Foreign Exchange Management Act, 1999 (FEMA Act) except where registered with SEBI as a FII or sub account of FII or otherwise explicitly permitted under FEMA Act/ by RBI/ by any other applicable authority or where they falls under the category of QFIs/FPIs. • Pursuant to RBI A.P. (DIR Series) Circular No. 14 dated September 16, 2003, Overseas Corporate Bodies (OCBs) cannot invest in Mutual Funds. • NRIs residing in Non-Compliant Countries and Territories (NCCTs) as determined by the Financial Action Task Force (FATF), from time to time. • Persons residing in countries which require licensing or registration of Indian Mutual Fund products before selling the same in its jurisdiction. • Such other persons as may be specified by AMC from time to time. How to Apply and other details Application form and Key Information Memorandum may be obtained from the offices of AMC or Investor Services Centres (ISCs)/of the Registrar or distributors or downloaded from Consolidated Investors are also advised to refer to SAI before submitting the Std Obs.35 application form. 50MFCentral 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. The list of the Investor Service Centres (ISCs)/ of the Mutual Fund will be available on the website https://www.growwmf.in/downloads/sid All cheques and drafts should be crossed "Account Payee Only" and drawn in favour the scheme name in which investment is intended to be made. The AMC/ Trustee reserves the right to reject any application inter alia in the absence of fulfillment of any regulatory requirements, fulfillment of any requirements as per the SID, incomplete/incorrect documentation and not furnishing necessary information to the satisfaction of the Mutual Fund/AMC. Please refer to the SAI and Application form for the instructions. Please visit https://www.growwmf.in/downloads/sid to know about the list of official points of acceptance. The name, address and contact no. of Registrar and Transfer Agent (R&T), email id of R&T, website address of R&T, official points of acceptance, etc. are mentioned at the end of the document. Please note that it is mandatory for the unitholders to provide Consolidated the bank account details in their application/redemption Std Obs.61 & requests as per SEBI guidelines. SO 21 The policy regarding reissue of Not Applicable repurchased units, including the maximum extent, the manner of Units once redeemed will not be reissued. reissue, the entity (the scheme or the AMC) involved in the same. Restrictions, if any, on the right to The Mutual Fund will be repurchasing (subject to completion 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 51facility 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. 2,00,000/- (Rupees Two Lakhs), no restriction shall be applicable on first Rs. 2,00,000/- (Rupees Two Lakhs). The Trustee / AMC reserves the right to restrict Redemption or suspend Redemption of the Units in the Scheme of the Fund on account of circumstances leading to a systemic crisis or event(s) that severely constrict market liquidity or the efficient functioning of the markets. A list of such circumstances under which the restriction on Redemption or suspension of Redemption of the Units in the Scheme of the Fund may be imposed are as follows: 1. Liquidity issues- when market at large becomes illiquid affecting almost all securities rather than any issuer specific security; or 2. Market failures / Exchange closures; or 3. Operational issues; or 4. If so directed by SEBI. It is clarified that since the occurrence of the abovementioned eventualities have the ability to impact the overall market and liquidity situation, the same may result in exceptionally large number of Redemption requests being made and in such a situation the indicative timelines (i.e. within 3-4 Business Days) mentioned by the Fund in the scheme offering documents, for processing of requests for Redemption may not be applicable. Please refer to paragraphs on ‘Transfer and Transmission of units, Right to limit Redemption, Suspension of Purchase and/ or Redemption of Units and Pledge of Units’ in the SAI for further details. 52Cut off timing for subscriptions/ Subscriptions / Purchases including Switch - ins: redemptions/ switches In respect of valid applications received up to 3:00 p.m. on a day and funds are available for utilization before the cut-off time This is the time before which your without availing any credit facility, whether, intra-day or application (complete in all respects) otherwise – the closing NAV of the same Business day of receipt should reach the official points of of application; In respect of valid applications received after 3:00 p.m. on a day acceptance. and funds are available for utilization on the same day without availing any credit facility, whether, intra-day or otherwise – the closing NAV of the next Business Day; and Irrespective of the time of receipt of application, where the funds are not available for utilization before the cut-off time without availing any credit facility, whether, intra-day or otherwise – the closing NAV of the day on which the funds are available for utilization. For allotment of units in respect of purchase in the Scheme/switch-in to the Scheme, it shall be necessary that: Application for purchase/switch-in is received before the applicable cut-off time. Funds for the entire amount of subscription / purchase as per the application for purchase/switch-in are credited to the bank account of the Scheme before the cut-off time. The funds are available for utilization before the cut-off time without availing any credit facility whether intra-day or otherwise, by the Scheme. ii) Redemptions including Switch - outs: In respect of valid applications received up to 3:00 p.m. – the closing NAV of same Business Day; and In respect of valid applications received after 3 p.m., the closing NAV of the next Business Day shall be applicable. Minimum amount for Minimum amount for new purchase / switch in Rs. 500 and in purchase/redemption/switches multiples of Re. 1/- thereafter. Minimum additional amount for purchase / switch in Rs. 500 and in multiples of Re. 1/- thereafter. The minimum subscription limits for new purchases/additional purchases will apply to each Option separately. Minimum Redemption Amount: Minimum amount for redemption/ switch out Minimum of 1 unit or Rs. 100 and in multiples of Re. 1 thereafter. In case of investors / unitholders having available balance less than Rs. 100 in their respective folio on the day of submission of valid redemption request, the minimum redemption limit would be the available balance. The minimum redemption amount for all plans will be Rs.100/- and in multiples of Re.1/- and minimum units for redemption will be 1 unit and multiples of 0.001 units. Incase the available 53balance in folio is less than the minimum redemption amount/units, then the investor can submit a request for "Full redemption" of the amount / units available in folio. 2) 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 days of receipt of valid application/transaction to the Unit holders registered e-mail address and/ or mobile number Consolidated (whether units are held in demat mode or in account statement Std Obs.60 & SO 20 form). A Consolidated Account Statement (CAS) detailing all the transactions across all mutual funds (including transaction charges paid to the distributor) and holding at the end of the month shall be sent to the Unit holders in whose folio(s) transaction(s) have taken place during the month. The monthly CAS will be dispatched to investors that have opted for delivery via electronic mode (e-CAS) within twelve (12) days from the month end and to investors that have opted for delivery via physical mode within fifteen (15) days from the month end. Half-yearly CAS shall be issued at the end of every six months (i.e. September/ March) to all investors providing the prescribed details across all schemes of mutual funds and securities held in dematerialized form across demat accounts, if applicable. The CAS will be dispatched to investors that have opted for e-CAS on or before the eighteenth (18th) day of April and October and to investors that have opted for delivery via physical mode by the twenty first (21st) day of April and October. For further details, refer SAI. Dividend/ IDCW The payment of dividend/IDCW to the unitholders shall be made within seven working days from the record date. 54Redemption 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 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 by SEBI for the period of such delay Unclaimed Redemption and Income As per the Clause 14.3 of SEBI Master Circular, the unclaimed Distribution cum Capital Withdrawal Redemption and dividend amounts shall be deployed by the Amount Fund in call money market or money market instruments and in a separate plan of Liquid scheme / Money Market Mutual Fund Consolidated scheme floated by Mutual Funds specifically for deployment of Std Obs.52 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, the following Process for Investments in the name of a Minor through a Guardian will Consolidated be applicable: Std Obs.37 a. Payment for investment by any mode shall be accepted from the bank account of the minor, parent or legal guardian of 55the 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. Irrespective of the source of payment for subscription, all redemption proceeds shall be credited only in the verified bank account of the minor, i.e. the account the minor may hold with the parent/ legal guardian after completing all 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. 56III. Other Details A. In case of Fund of Funds Scheme, Details of Benchmark, Investment Objective, Investment Strategy, TER, AUM, Year wise performance, Top 10 Holding/ link to Top 10 holding of the underlying fund should be provided – Not Applicable B. Periodic Disclosures such as Half yearly disclosures, half yearly results, annual report 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- financials-&-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 57displayed on the website of the AMC https://www.growwmf.in/financials/scheme-financials and Association of Mutual Funds in India www.amfiindia.com Monthly Disclosures Disclosure Norms as per paragraph 3.6 of SEBI Master circular Portfolio: A. The Fund shall disclose the following on monthly basis: • Name and exposure to top 7 issuers and stocks respectively as a percentage of NAV of the scheme • Name and exposure to top 7 groups as a percentage of NAV of the scheme • Name and exposure to top 4 sectors as a percentage of NAV of the scheme. B. Change in constituents of the index, if any, shall be disclosed on the Mutual Fund website on the day of change. Tracking Error & Tracking The Fund shall disclose the tracking error based on past one year Difference: rolling data, on a daily basis, on the website of respective Mutual Consolida Fund and AMFI. ted Std Obs. The annualized difference of daily returns between the index and 39 the NAV of the Fund shall be disclosed on the website of the Mutual Fund and AMFI, on a monthly basis, for tenures 1 year, 3 year, 5 year, 10 year and since the date of allotment of units C. Transparency/NAV Disclosure (Details with reference to information given in Section I) The AMC will calculate and disclose the first NAV under the Scheme not later than 5 Business Days from Consolidated the date of allotment of units under the NFO Period. Subsequently, the NAV will be calculated and Std Obs. 41 disclosed at the close of every Business Day. As required by SEBI, the NAVs shall be disclosed in the following manner: i) Displayed on the website of the Mutual Fund https://www.growwmf.in/nav ii) Displayed on the website of Association of Mutual Funds in India (AMFI) (www.amfiindia.com). Any other manner as may be specified by SEBI from time to time. Mutual Fund / AMC will provide facility of sending latest available NAVs to unitholders through SMS, upon receiving a specific request in this regard. The AMC shall update the NAVs on the website of the Mutual Fund https://www.growwmf.in/nav and on the website of Association of Mutual Funds in India - AMFI (www.amfiindia.com) by 11.00 p.m. on every Business Day. 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. 58Applicability of Stamp Duty : Pursuant to Notification No. S. O. 1226 (E) and G.S.R 226(E) dated March 30, 2020 issued by Department of Revenue, Ministry of Finance, Government of India, read with Part I of Chapter IV of Notification dated February 21, 2019 issued by Legislative Department, Ministry of Law and Justice, Government of India on the Finance Act, 2019, a stamp duty @ 0.005% of the transaction value shall be levied on applicable mutual fund transactions. Accordingly, pursuant to levy of stamp duty, the number of units allotted on purchase transactions to the unitholders would be reduced to that extent. The stamp duty will be deducted from the net investment amount i.e. gross investment amount less any other deduction like transaction charge. Units will be created only for the balance amount i.e. Net Investment Amount as reduced by the stamp duty. The stamp duty will be computed at the rate of 0.005% on an inclusive method basis. For instance: If the transaction amount is Rs. 100100 /- and the transaction charge is Rs. 100, the stamp duty will be calculated as follows: ((Transaction Amount – Transaction Charge) *0.005%) = Rs.5. If the applicable Net Asset Value (NAV) is Rs. 10 per unit, then units allotted will be calculated as follows: (Transaction Amount – Transaction Charge – Stamp Duty)/ Applicable NAV = 9,999.50 units. For details please refer SAI. E. Associate Transactions- Please refer to Statement of Additional Information (SAI) F. Taxation- For details on taxation please refer to the clause on Taxation in the SAI apart from the following: This information is provided for general information only and is based on the prevailing tax laws, as applicable in case of this Scheme. However, in view of the individual nature of the implications, each investor is advised to consult his or her own tax advisors/ authorised dealers with respect to the specific amount of tax and other implications arising out of his or her participation in the schemes. Groww Mutual Fund is registered as a Mutual Fund with Securities and Exchange Board of India (‘SEBI’) under SEBI (MF) Regulations.. Any income earned by such mutual fund registered with SEBI is exempt from taxation as per section 10(23D) of the Income Tax Act, 1961 (’Act’) Type of Capital Condition Income Tax Rates TDS Rates Gain Resident/ FII Resident NRI/OCBs/ PIO/ NRI/ FII & others Other non FII non-residents Tax on The Finance Act, 2020, abolished dividend distribution tax (DDT) and tax Dividend exemption on income received from mutual fund in the hands of investor. as provision of section 10 (35) is rescinded. Further, Income is taxable in the hands of investor as per the applicable tax rates. Short Term STT has been paid 20% 20% Nil 20% Capital Gain on redemption (redemption Other cases Normal rate of 30% Nil 30% for Non- before tax applicable resident other completing one to the assessee than corporates, year of holding) 35% for non- resident corporates, & Others Long Term STT has been paid 12.5%# 12.5%# Nil 12.5% Capital Gain on redemption 59(redemption after completing one year of holding) PIO: Person of Indian origin NRI: Non-resident Indian FII: Foreign Institutional investor OCB: Overseas Corporate Body # Under section 112A of the Act, where long term capital gain exceeds Rs. 1,25,000/- tax is payable @ 12.5% plus applicable surcharge and cess (without indexation benefit). *without indexation benefit Taxability in the hands of Investor If the units are held as stock-in-trade of a business, the said income will be taxed at the rates at which the normal income of that investor is taxed. If the units are held as investments, the said income will be taxed as capital gains. In such case, the tax rates applicable will depend on whether the gain on sale of units is classified as a short-term capital gain or a long-term capital gain. Tax on Income Distributed by a Mutual Fund Finance Act, 2020 has amended the provision of section 115R of the Act (Dividend Distribution Tax) to provide that the income distributed on or before 31st March 2020 shall only be covered under the provision of this section. With effect from 1st April, 2020, dividend or income distribution by mutual fund on units is taxable in the hands of unit holders at the applicable rates * As per provision of section 194K of the Act, where the amount of income credited or paid in a financial year, in aggregate, does not exceed Rs. 10,000, no withholding is required to be carried out. However, the scheme shall be withholding tax when the aggregate amount in financial year at Permanent Account Number (PAN) level exceeds Rs. 9,000. Tax rates mentioned above are further increased by surcharge and health and education cess as may be applicable for respective investor. Surcharge and cess shall not be applied on basic tax while deducting TDS, if any, on income of resident investors. Surcharge Rates Total Individual Partnership Domestic Foreign income /HUF ~~ Firms & Co- Companies* Companies operative Societies Less than or equal to 50 NIL NIL NIL NIL lakhs >50 lakhs <= 1 crore 10% NIL NIL NIL >1 crore <= 2 crores 15% 12% 7% 2% >2 crores <= 5 crores 25% 12% 7% 2% >5 crores <= 10 crores 37% 12% 7% 2% >10 crores 37% 12% 12% 5% ~~Surcharge rate shall not exceed 25% in case of individual and HUF opting for new tax regime under section 115BAC of the Act. In case total income includes income by way of dividend on shares, short- term capital gains on units of equity oriented mutual fund schemes and long-term capital gains on mutual 60fund schemes, the rate of surcharge on the said type of income not to exceed 15% [refer clause on Taxation in the SAI for further details] * 10% basic surcharge (irrespective of taxable income) for domestic companies availing benefit under section 115BAA and section 115BAB of the Act. Tax plus surcharge shall be further increased by a health and education cess of 4 percent. DTAA Benefits Taxability in the hands of non-resident investor shall be subject to Double Taxation Avoidance Agreement (“DTAA” or “tax treaty”) benefits which can be claimed in the return of income to be filed by such investors, as applicable. Further, such DTAA benefit may also be claimed at the time of withholding of taxes (subject to requisite documents for claiming DTAA benefit made available by investor to the Mutual Fund). The investors should obtain specific advice from their tax advisors regarding the availability of the tax treaty benefits. AADHAR Linking As per section 139AA of the Act read with rule 114AAA of the Income-tax Rules, 1962, in the case of a resident person, whose PAN has become inoperative due to non-linking of PAN with Aadhaar, it shall be deemed that he has not furnished the PAN and tax could be withheld at a higher rate of 20% as per section 206AA of the Act. Securities Transaction Tax (STT) STT is payable on sale (redemption) of units of an Equity Oriented funds mutual fund. DISCLAIMER: The information given here is neither a complete disclosure of every material fact of Income-tax Act 1961 nor does it constitute tax or legal advice. Investors are requested to review the prospectus carefully and obtain expert professional advice with regard to specific legal, tax and financial implications of the investment/participation in the scheme G. Rights of Unitholders- Please refer to SAI for details. H. List of official points of acceptance: Please refer to https://www.growwmf.in/downloads/sid for a complete list of Official points of acceptance. Consolid ated I. Penalties, Pending Litigation or Proceedings, Findings of Inspections or Investigations For Std which action may have been taken or is in the process of being taken by any Regulatory Obs.48 & 49 & Authority SO 22 The said information has been disclosed in good faith as per the information available to the AMC at https://www.growwmf.in/downloads/penalties-&-pending-litigation Notwithstanding anything contained in the Scheme Information Document the provisions of the SEBI (Mutual Funds) Regulations, 1996 and the Guidelines thereunder shall be applicable. Consolidat The Scheme Information Document containing details of the Scheme of Groww Mutual Fund, had been ed approved by the Board of Groww Trustee Limited on December 16, 2025. The Board of Directors of Groww Std Obs.63 Trustee Limited have ensured that the scheme approved by them is a new product offered by the Mutual Fund & SO 24 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: December 30, 2025 Place: Mumbai 61Name 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 Road 1 Bangalore Karnataka 080-26602852 Basavanagudi Bangalore 560004 Kfin Technologies Ltd Premises No.101 Cts 2 Belgaum Karnataka No.1893 Shree Guru Darshani Tower Anandwadi 0831 4213717 Hindwadi Belgaum 590011 Kfin Technologies Ltd Ground Floor 3Rd Office 3 Bellary Karnataka Near Womens College Road Beside Amruth 8392294649 Diagnostic Shanthi Archade Bellary 583103 Kfin Technologies Ltd D.No 162/6 1St Floor 4 Davangere Karnataka 3Rd Main P J Extension Davangere Taluk 8192296741 Davangere Manda Davangere 577002 Kfin Technologies Ltd H No 2-231 Krishna Complex 2Nd Floor Opp. Opp. Municipal 5 Gulbarga Karnataka 08472 252503 Corporation Office Jagat Station Main Road Kalaburagi Gulbarga 585105 6 Hassan Karnataka Kfin Technologies Ltd Sas No: 490 Hemadri 08172 262065 62Arcade 2Nd Main Road Salgame Road Near Brahmins Boys Hostel Hassan 573201 Kfin Technologies Ltd R R Mahalaxmi Mansion 7 Hubli Karnataka Above Indusind Bank 2Nd Floor Desai Cross 0836-2950643 Pinto Road Hubballi 580029 Kfin Technologies Ltd Shop No - 305 Marian Paradise Plaza 3Rd Floor Bunts Hostel Road 8 Mangalore Karnataka 0824-2951645 Mangalore - 575003 Dakshina Kannada Karnataka Kfin Technologies Ltd Shop No 21 Osia Mall 9 Margoa Goa 1St Floor Near Ktc Bus Stand Sgdpa Market 0832-2957253 Complex Margao - 403601 Kfin Technologies Ltd No 2924 2Nd Floor 1St 10 Mysore Karnataka Main 5Th Cross Saraswathi Puram Mysore 8213510066 570009 Kfin Technologies Ltd H. No: T-9 T-10 Affran 11 Panjim Goa Plaza 3Rd Floor Near Don Bosco High School 0832 2996032 Panjim 403001 Kfin Technologies Ltd Jayarama Nilaya 2Nd 12 Shimoga Karnataka 08182-295491 Corss Mission Compound Shimoga 577201 Kfin Technologies Ltd Office No. 401 On 4Th 9081903021/98 13 Ahmedabad Gujarat Floor Abc-I Off. C.G. Road - Ahmedabad 24327979 380009 Kfin Technologies Ltd B-42 Vaibhav 14 Anand Gujarat Commercial Center Nr Tvs Down Town Shrow 9081903038 Room Grid Char Rasta Anand 380001 Kfin Technologies Ltd 1St Floor 125 Kanha 15 Baroda Gujarat Capital Opp. Express Hotel R C Dutt Road 0265-2353506 Alkapuri Vadodara 390007 Kfin Technologies Ltd 123 Nexus Business Hub 16 Bharuch Gujarat Near Gangotri Hotel B/S Rajeshwari Petroleum 9081903042 Makampur Road Bharuch 392001 Kfin Technologies Ltd 303 Sterling Point 17 Bhavnagar Gujarat 278-3003149 Waghawadi Road - Bhavnagar 364001 Kfin Technologies Ltd Shop # 12 Shree Ambica 18 Gandhidham Gujarat Arcade Plot # 300 Ward 12. Opp. Cg High School 9081903027 Near Hdfc Bank Gandhidham 370201 Kfin Technologies Ltd 138 - Suyesh solitaire, Nr. 19 Gandhinagar Gujarat Podar International School, Kudasan, 079 49237915 Gandhinagar-382421 Gujarat Kfin Technologies Ltd 131 Madhav Plazza Opp 20 Jamnagar Gujarat 0288 3065810 Sbi Bank Nr Lal Bunglow Jamnagar 361008 Kfin Technologies Ltd Shop No. 201 2Nd Floor 21 Junagadh Gujarat V-Arcade Complex Near Vanzari Chowk M.G. 0285-2652220 Road Junagadh 362001 Kfin Technologies Ltd Ff-21 Someshwar 22 Mehsana Gujarat Shopping Mall Modhera Char Rasta - Mehsana 02762-242950 384002 Kfin Technologies Ltd 311-3Rd Floor City 23 Nadiad Gujarat 0268-2563245 Center Near Paras Circle - Nadiad 387001 63Kfin Technologies Ltd 103 1St Floore Landmark 24 Navsari Gujarat Mall Near Sayaji Library Navsari Gujarat 9081903040 Navsari 396445 Kfin Technologies Ltd 302 Metro Plaza Near 25 Rajkot Gujarat Moti Tanki Chowk Rajkot Rajkot Gujarat 9081903025 360001 Kfin Technologies Ltd Ground Floor Empire 26 Surat Gujarat State Building Near Udhna Darwaja Ring Road 9081903041 Surat 395002 Kfin Technologies Ltd 406 Dreamland Arcade 27 Valsad Gujarat 02632-258481 Opp Jade Blue Tithal Road Valsad 396001 Kfin Technologies Ltd A-8 Second Floor 28 Vapi Gujarat Solitaire Business Centre Opp Dcb Bank Gidc 9081903028 Char Rasta Silvassa Road Vapi 396191 Kfin Technologies Ltd 9Th Floor Capital Towers 044-2830 9147, 29 Chennai Tamil Nadu 180 Kodambakkam High Road Nungambakkam 044-28309100 | Chennai – 600 034 Kfin Technologies Ltd Second Floor 30 Calicut Kerala Manimuriyil Centre Bank Road Kasaba Village 0495-4022480 Calicut 673001 Kfin Technologies Ltd Door No:61/2784 Second 31 Cochin Kerala floor Sreelakshmi Tower Chittoor Road, 0484 - 4025059 Ravipuram Ernakulam-Kerala-682015 Kfin Technologies Ltd 2Nd Floor Global Village 32 Kannur Kerala 0497-2764190 Bank Road Kannur 670001 Kfin Technologies Ltd Sree Vigneswara Bhavan 33 Kollam Kerala 474-2747055 Shastri Junction Kollam - 691001 Kfin Technologies Ltd 1St Floor Csiascension 34 Kottayam Kerala Square Railway Station Road Collectorate P O 9496700884 Kottayam 686002 Kfin Technologies Ltd No: 20 & 21 Metro 35 Palghat Kerala Complex H.P.O.Road Palakkad H.P.O.Road 9895968533 Palakkad 678001 Kfin Technologies Ltd 2Nd Floorerinjery 36 Tiruvalla Kerala Complex Ramanchira Opp Axis Bank Thiruvalla 0469-2740540 689107 Kfin Technologies Ltd 4Th Floor Crown Tower 37 Trichur Kerala Shakthan Nagar Opp. Head Post Office Thrissur 0487- 6999987 680001 Kfin Technologies Ltd, 3rdFloor, No- 3B TC- 82/3417, CAPITOL CENTER, OPP 38 Trivandrum Kerala 0471-4618306 SECRETARIAT, MG ROAD, TRIVANDRUM- 695001 Kfin Technologies Ltd 3Rd Floor Jaya Enclave 39 Coimbatore Tamil Nadu 0422 - 4388011 1057 Avinashi Road - Coimbatore 641018 Kfin Technologies Ltd Address No 38/1 Ground 40 Erode Tamil Nadu Floor Sathy Road (Vctv Main Road) Sorna 0424-4021212 Krishna Complex Erode 638003 Kfin Technologies Ltd No 88/11 Bb Plaza Nrmp 41 Karur Tamil Nadu 04324-241755 Street K S Mess Back Side Karur 639002 64Kfin Technologies Ltd No. G-16/17 Ar Plaza 42 Madurai Tamil Nadu 0452-2605856 1St Floor North Veli Street Madurai 625001 Kfin Technologies Ltd Hno 45 1St Floor East 43 Nagerkoil Tamil Nadu 04652 - 233552 Car Street Nagercoil 629001 Kfin Technologies Ltd No 122(10B) 44 Pondicherry Pondicherry Muthumariamman Koil Street - Pondicherry 0413-4300710 605001 Kfin Technologies Ltd No.6 Ns Complex 45 Salem Tamil Nadu 0427-4020300 Omalur Main Road Salem 636009 Kfin Technologies Ltd 55/18 Jeney Building 46 Tirunelveli Tamil Nadu 2Nd Floor S N Road Near Aravind Eye Hospital 0462-4001416 Tirunelveli 627001 Kfin Technologies Ltd No 23C/1 E V R Road 47 Trichy Tamil Nadu Near Vekkaliamman Kalyana Mandapam Putthur 0431-4020227 - Trichy 620017 Kfin Technologies Ltd 4 - B A34 - A37 48 Tuticorin Tamil Nadu Mangalmal Mani Nagar Opp. Rajaji Park 0461-2334602 Palayamkottai Road Tuticorin 628003 Kfin Technologies Ltd No 2/19 1St Floor 49 Vellore Tamil Nadu 0416-4200381 Vellore City Centre Anna Salai Vellore 632001 Kfin Technologies Ltd Ols Rms Chowmuhani Mantri Bari Road 1St Floor Near Jana Sevak 50 Agartala Tripura 0381-2388519 Saloon Building Traffic Point Tripura West Agartala 799001 Kfin Technologies Ltd Ganapati Enclave 4Th 0361- 51 Guwahati Assam Floor Opposite Bora Service Ullubari 3501536/37 Guwahati Assam 781007 Kfin Technologies Ltd Annex Mani Bhawan 52 Shillong Meghalaya Lower Thana Road Near R K M Lp School 0364 - 2506106 Shillong 793001 Kfin Technologies Ltd N.N. Dutta Road 53 Silchar Assam 03842-261714 Chowchakra Complex Premtala Silchar 788001 Kfin Technologies Ltd. #13/4 Vishnupriya Andhra 54 Ananthapur Complex Beside Sbi Bank Near Tower Clock 9063314379 Pradesh Ananthapur-515001. Kfin Technologies Ltd 2Nd Shatter 1St Floor Andhra 55 Guntur Hno. 6-14-48 14/2 Lane Arundal Pet Guntur 0863-2339094 Pradesh 522002 Kfin Technologies Ltd No:303 Vamsee Estates 040-44857874 / 56 Hyderabad Telangana Opp: Bigbazaar Ameerpet Hyderabad 500016 75 / 76 Kfin Technologies Ltd 2Nd Shutterhno. 7-2-607 57 Karimnagar Telangana Sri Matha Complex Mankammathota - 0878-2244773 Karimnagar 505001 Andhra Kfin Technologies Ltd Shop No:47 2Nd Floor S 58 Kurnool 08518-228550 Pradesh Komda Shoping Mall Kurnool 518001 Kfin Technologies Ltd Shop No.4 Santakripa 59 Nanded Maharashtra Market G G Road Opp.Bank Of India Nanded 02462-237885 431601 Andhra Kfin Technologies Limited, D.No: 6-7-7, Sri 60 Rajahmundry 0883-2442539 Pradesh Venkata Satya Nilayam,1st Floor, Vadrevu vari 65Veedhi, T - Nagar, Rajahmundry AP- 533101 Kfin Technologies Ltd Shop No 106. Krishna 0217-2300021 / 61 Solapur Maharashtra Complex 477 Dakshin Kasaba Datta Chowk 2300318 Solapur-413007 Kfin Technologies Ltd D No 158, Shop No # 3, Andhra 62 Srikakulam Kaki Street, Opp Tulasi Das Hospital, CB Road, 8942358563 Pradesh Srikakulam Andhra Pradesh - 532001 Kfin Technologies Ltd Shop No:18-1-421/F1 Andhra 9885995544 / 63 Tirupathi City Center K.T.Road Airtel Backside Office Pradesh 0877-2255797 Tirupathi - 517501 Kfin Technologies Ltd Hno26-23 1St Floor Andhra 0866- 64 Vijayawada Sundarammastreet Gandhinagar Krishna Pradesh 6604032/39/40 Vijayawada 520010 Kfin Technologies Ltd Dno : 48-10-40 Ground Visakhapatna Andhra Floor Surya Ratna Arcade Srinagar Opp Roadto 65 0891-2714125 m Pradesh Lalitha Jeweller Showroom Beside Taj Hotel Ladge Visakhapatnam 530016 Kfin Technologies Ltd Shop No22 Ground 66 Warangal Telangana Floor Warangal City Center 15-1-237 Mulugu 0870-2441513 Road Junction Warangal 506002 Kfin Technologies Ltd 11-4-3/3 Shop No. S-9 1St Floor Srivenkata Sairam Arcade Old Cpi 67 Khammam Telangana 8008865802 Office Near Priyadarshini Collegenehru Nagar Khammam 507002 Kfin Technologies Ltd Selenium Plot No: 31 & Hyderabad(Ga 32 Tower B Survey No.115/22 115/24 115/25 68 Telangana 040-79615122 chibowli) Financial District Gachibowli Nanakramguda Serilimgampally Mandal Hyderabad 500032 Kfin Technologies Ltd Shop No 25 Ground Floor Yamuna Tarang Complex Murtizapur 69 Akola Maharashtra 0724-2451874 Road N.H. No- 6 Opp Radhakrishna Talkies Akola 444001 Maharashthra Kfin Technologies Ltd Shop No. 21 2Nd Floor 70 Amaravathi Maharashtra Gulshan Tower Near Panchsheel Talkies 0721 2569198 Jaistambh Square Amaravathi 444601 Kfin Technologies Ltd Shop No B 38 Motiwala 71 Aurangabad Maharashtra 0240-2343414 Trade Center Nirala Bazar Aurangabad 431001 Kfin Technologies Ltd Sf-13 Gurukripa Plaza 0755 Madhya 72 Bhopal Plot No. 48A Opposite City Hospital Zone-2 M 4077948/35129 Pradesh P Nagar Bhopal 462011 36 Kfin Technologies Ltd Ground Floor Ideal Laundry Lane No 4 Khol Galli Near Muthoot 73 Dhule Maharashtra 02562-282823 Finance Opp Bhavasar General Store Dhule 424001 Kfin Technologies Ltd. 101 Diamond Trade 0731- Madhya 74 Indore Center 3-4 Diamond Colony New Palasia 4266828/42189 Pradesh Above Khurana Bakery Indore 02 Madhya Kfin Technologies Ltd 2Nd Floor 290/1 (615- 75 Jabalpur 0761-4923301 Pradesh New) Near Bhavartal Garden Jabalpur - 482001 76 Jalgaon Maharashtra Kfin Technologies Ltd 3Rd Floor 269 Jaee Plaza 9421521406 66Baliram Peth Near Kishore Agencies Jalgaon 425001 Kfin Technologies Ltd Plot No. 2 Block No. B / 77 Nagpur Maharashtra 1 & 2 Shree Apratment Khare Town Mata 0712-3513750 Mandir Road Dharampeth Nagpur 440010 Kfin Technologies Ltd S-9 Second Floor Suyojit 78 Nasik Maharashtra 0253-6608999 Sankul Sharanpur Road Nasik 422002 Madhya Kfin Technologies Ltd Ii Floor Above Shiva 79 Sagar 07582-402404 Pradesh Kanch Mandir. 5 Civil Lines Sagar Sagar 470002 Kfin Technologies Ltd Heritage Shop No. 227 87 Madhya 0734-4250007 / 80 Ujjain Vishvavidhyalaya Marg Station Road Near Icici Pradesh 08 Bank Above Vishal Megha Mart Ujjain 456001 Kfin Technologies Ltd 112/N G. T. Road Bhanga 81 Asansol West Bengal Pachil G.T Road Asansol Pin: 713 303; Paschim 0341-2220077 Bardhaman West Bengal Asansol 713303 Kfin Technologies Ltd 1-B. 1St Floor Kalinga 82 Balasore Orissa Hotel Lane Baleshwar Baleshwar Sadar Balasore 06782-260503 756001 Kfin Technologies Ltd Plot Nos- 80/1/Anatunchati Mahalla 3Rd Floor Ward No- 83 Bankura West Bengal 9434480586 24 Opposite P.C Chandra Bankura Town Bankura 722101 Kfin Technologies Ltd Opp Divya Nandan Berhampur 84 Orissa Kalyan Mandap 3Rd Lane Dharam Nagar Near 0680-2228106 (Or) Lohiya Motor Berhampur (Or) 760001 Kfin Technologies Ltd Office No.2 1St Floor 85 Bhilai Chatisgarh 7884901014 Plot No. 9/6 Nehru Nagar [East] Bhilai 490020 Kfin Technologies Ltd A/181 Back Side Of 86 Bhubaneswar Orissa Shivam Honda Show Room Saheed Nagar - 0674-2548981 Bhubaneswar 751007 Kfin Technologies Ltd Shop.No.306 3Rd Floor 87 Bilaspur Chatisgarh Anandam Plaza Vyapar Vihar Main Road 07752-443680 Bilaspur 495001 Kfin Technologies Ltd City Centre Plot No. He- 88 Bokaro Jharkhand 7542979444 07 Sector-Iv Bokaro Steel City Bokaro 827004 Kfin Technologies Ltd Saluja Complex; 846 89 Burdwan West Bengal Laxmipur G T Road Burdwan; Ps: Burdwan & 0342-2665140 Dist: Burdwan-East Pin: 713101 Kfin Technologies Ltd No : 96 Po: Chinsurah 90 Chinsura West Bengal 033-26810164 Doctors Lane Chinsurah 712101 Kfin Technologies Ltd Shop No-45 2Nd Floor Netaji Subas Bose Arcade (Big Bazar Building) 91 Cuttack Orissa 0671-2956816 Adjusent To Reliance Trends Dargha Bazar Cuttack 753001 Kfin Technologies Ltd 208 New Market 2Nd 92 Dhanbad Jharkhand 9264445981 Floor Bank More - Dhanbad 826001 Kfin Technologies Ltd Mwav-16 Bengal Ambuja 93 Durgapur West Bengal 2Nd Floor City Centre Distt. Burdwan Durgapur- 0343-6512111 16 Durgapur 713216 94 Gaya Bihar Kfin Technologies Ltd Property No. 711045129 0631-2220065 67Ground Floorhotel Skylark Swaraipuri Road - Gaya 823001 Kfin Technologies Ltd D B C Road Opp Nirala 95 Jalpaiguri West Bengal Hotel Opp Nirala Hotel Opp Nirala Hotel 03561-222136 Jalpaiguri 735101 Kfin Technologies Ltd Madhukunj 3Rd Floor Q 96 Jamshedpur Jharkhand Road Sakchi Bistupur East Singhbhum 6572912170 Jamshedpur 831001 Kfin Technologies Ltd Holding No 254/220 Sbi Building Malancha Road Ward No.16 Po: 97 Kharagpur West Bengal 3222253380 Kharagpur Ps: Kharagpur Dist: Paschim Medinipur Kharagpur 721304 Kfin Technologies Ltd 2/1 Russel Street 98 Kolkata West Bengal 033 66285900 4Thfloor Kankaria Centre Kolkata 70001 Wb Kfin Technologies Ltd Ram Krishna Pally; 99 Malda West Bengal 03512-223763 Ground Floor English Bazar - Malda 732101 Kfin Technologies Ltd, Flat No.- 102, 2BHK Maa 100 Patna Bihar Bhawani Shardalay, Exhibition Road, Patna- 6124149382 800001 Kfin Technologies Ltd Office No S-13 Second 101 Raipur Chatisgarh Floor Reheja Tower Fafadih Chowk Jail Road 0771-4912611 Raipur 492001 Kfin Technologies Ltd Room no 103, 1st Floor, Commerce Tower,Beside Mahabir Tower,Main 102 Ranchi Jharkhand 0651-2330160 Road, Ranchi -834001 Kfin Technologies Ltd 2Nd Floor Main Road 103 Rourkela Orissa 0661-2500005 Udit Nagar Sundargarh Rourekla 769012 Kfin Technologies Ltd First Floor; Shop No. 219 104 Sambalpur Orissa Sahej Plaza Golebazar; Sambalpur Sambalpur 0663-2533437 768001 Kfin Technologies Ltd Nanak Complex 2Nd 105 Siliguri West Bengal 0353-2522579 Floor Sevoke Road - Siliguri 734001 Kfin Technologies Ltd House No. 17/2/4 2Nd 106 Agra Uttar Pradesh Floor Deepak Wasan Plaza Behind Hotel 7518801801 Holiday Inn Sanjay Place Agra 282002 Kfin Technologies Ltd 1St Floor Sevti Complex 107 Aligarh Uttar Pradesh 7518801802 Near Jain Temple Samad Road Aligarh-202001 Kfin Technologies Ltd Meena Bazar 2Nd Floor 108 Allahabad Uttar Pradesh 10 S.P. Marg Civil Lines Subhash Chauraha 7518801803 Prayagraj Allahabad 211001 Kfin Technologies Ltd 6349 2Nd Floor 109 Ambala Haryana Nicholson Road Adjacent Kos Hospitalambala 7518801804 Cant Ambala 133001 KFin Technologies Ltd Shop no. 18 Gr. Floor, 110 Azamgarh Uttar Pradesh Nagarpalika, Infront of Tresery office, Azamgarh, 7518801805 UP-276001 Kfin Technologies Ltd 1St Floorrear Sidea - 111 Bareilly Uttar Pradesh Square Building 54-Civil Lines Ayub Khan 7518801806 Chauraha Bareilly 243001 68KFin Technologies Limited, SRI RAM MARKET, KALI ASTHAN CHOWK, 7518801807/96 112 Begusarai Bihar MATIHANI ROAD, BEGUSARAI, BIHAR - 93344717 851101 Kfin Technologies Ltd 2Nd Floor Chandralok 113 Bhagalpur Bihar Complexghantaghar Radha Rani Sinha Road 7518801808 Bhagalpur 812001 KFin Technologies Limited, H No-185, Ward No- 114 Darbhanga Bihar 13, National Statistical office Campus, Kathalbari, 7739299967 Bhandar Chowk , Darbhanga, Bihar - 846004 Kfin Technologies Ltd Shop No-809/799 Street 115 Dehradun Uttaranchal No-2 A Rajendra Nagar Near Sheesha Lounge 7518801810 Kaulagarh Road Dehradun-248001 Kfin Technologies Ltd K. K. Plaza 116 Deoria Uttar pradesh Above Apurwa Sweets Civil Lines Road Deoria 7518801811 274001 Kfin Technologies Ltd A-2B 2Nd Floor Neelam 117 Faridabad Haryana Bata Road Peer Ki Mazar Nehru Groundnit 7518801812 Faridabad 121001 Kfin Technologies Ltd Ff - 31 Konark Building 118 Ghaziabad Uttar Pradesh 7518801813 Rajnagar - Ghaziabad 201001 Kfin Technologies Ltd House No. 148/19 Mahua 119 Ghazipur Uttar Pradesh 7518801814 Bagh Raini Katra- Ghazipur 233001 Kfin Technologies Ltd H No 782 Shiv Sadan Iti 120 Gonda Uttar Pradesh Road Near Raghukul Vidyapeeth Civil Lines 7518801815 Gonda 271001 Kfin Technologies Ltd Shop No 8 & 9 4Th Floor 121 Gorakhpur Uttar Pradesh Cross Road The Mall Bank Road Gorakhpur - 7518801816 273001 Kfin Technologies Ltd No: 212A 2Nd 122 Gurgaon Haryana Floor Vipul Agora M. G. Road - Gurgaon 7518801817 122001 Madhya Kfin Technologies Ltd City Centre Near Axis 123 Gwalior 7518801818 Pradesh Bank - Gwalior 474011 Kfin Technologies Ltd Shoop No 5 Kmvn 124 Haldwani Uttaranchal 7518801819 Shoping Complex - Haldwani 263139 Kfin Technologies Ltd Shop No. - 17 Bhatia 125 Haridwar Uttaranchal 7518801820 Complex Near Jamuna Palace Haridwar 249410 Kfin Technologies Ltd Shop No. 20 Ground 126 Hissar Haryana Floor R D City Centre Railway Road Hissar 7518801821 125001 Kfin Technologies Ltd 1St Floor Puja Tower 127 Jhansi Uttar Pradesh 7518801823 Near 48 Chambers Elite Crossing Jhansi 284001 Kfin Technologies Ltd 15/46 B Ground Floor 128 Kanpur Uttar Pradesh 7518801824 Opp : Muir Mills Civil Lines Kanpur 208001 Kfin Technologies Ltd Ist Floor A. A. Complex 129 Lucknow Uttar Pradesh 5 Park Road Hazratganj Thaper House Lucknow 0522-4061893 226001 Himachal Kfin Technologies Ltd House No. 99/11 3Rd 130 Mandi 7518801833 Pradesh Floor Opposite Gss Boy School School Bazar 69Mandi 175001 Kfin Technologies Ltd Shop No. 9 Ground Floor 131 Mathura Uttar Pradesh Vihari Lal Plaza Opposite Brijwasi Centrum 7518801834 Near New Bus Stand Mathura 281001 Kfin Technologies Ltd Shop No:- 111 First Floor Shivam Plaza Near Canara Bank Opposite Eves 132 Meerut Uttar Pradesh 7518801835 Petrol Pump Meerut-250001 Uttar Pradesh India Kfin Technologies Ltd Triveni Campus Near 133 Mirzapur Uttar Pradesh 7518801836 Sbi Life Ratanganj Mirzapur 231001 Kfin Technologies Ltd Chadha Complex G. M. 134 Moradabad Uttar Pradesh D. Road Near Tadi Khana Chowk Moradabad 7518801837 244001 Kfin Technologies Ltd House No. Hig 959 Near Madhya 135 Morena Court Front Of Dr. Lal Lab Old Housing Board 7518801838 Pradesh Colony Morena 476001 Kfin Technologies Ltd First Floor Saroj Complex 136 Muzaffarpur Bihar Diwam Road Near Kalyani Chowk Muzaffarpur 7518801839 842001 Kfin Technologies Ltd F-21 2Nd Floor Near 137 Noida Uttar Pradesh 7518801840 Kalyan Jewelers Sector-18 Noida 201301 KFin Technologies Ltd Shop No. 20 1St Floor 138 Panipat Haryana Bmk Market Behind Hive Hotel G.T.Road 7518801841 Panipat-132103 Haryana Kfin Technologies Ltd C/O Mallick Medical 139 Renukoot Uttar Pradesh Store Bangali Katra Main Road Dist. 7518801842 Sonebhadra (U.P.) Renukoot 231217 Kfin Technologies Ltd Shop No. 2 Shree Sai Madhya 140 Rewa Anmol Complex Ground Floor Opp Teerth 7518801843 Pradesh Memorial Hospital Rewa 486001 Kfin Technologies Ltd Office No:- 61 First Floor 141 Rohtak Haryana 7518801844 Ashoka Plaza Delhi Road Rohtak 124001. KFin Technologies Ltd Near Shri Dwarkadhish 142 Roorkee Uttaranchal 7518801845 Dharm Shala, Ramnagar, Roorkee-247667 Madhya Kfin Technologies Ltd 1St Floor Gopal Complex 143 Satna 7518801847 Pradesh Near Bus Stand Rewa Roa Satna 485001 Himachal Kfin Technologies Ltd 1St Floor Hills View 144 Shimla 7518801849 Pradesh Complex Near Tara Hall Shimla 171001 Kfin Technologies Ltd A. B. Road In Front Of Madhya 145 Shivpuri Sawarkar Park Near Hotel Vanasthali Shivpuri 7518801850 Pradesh 473551 Kfin Technologies Ltd 12/12 Surya Complex 146 Sitapur Uttar Pradesh 7518801851 Station Road Uttar Pradesh Sitapur 261001 Himachal Kfin Technologies Ltd Disha Complex 1St Floor 147 Solan 7518801852 Pradesh Above Axis Bank Rajgarh Road Solan 173212 Kfin Technologies Ltd Shop No. 205 Pp Tower 148 Sonepat Haryana Opp Income Tax Office Subhash Chowk Sonepat. 7518801853 131001. Kfin Technologies Ltd 1St Floor Ramashanker 149 Sultanpur Uttar Pradesh 7518801854 Market Civil Line - Sultanpur 228001 70KFin Technologies Ltd D.64 / 52, G – 4 Arihant 150 Varanasi Uttar Pradesh Complex , Second Floor ,Madhopur, Shivpurva 7518801856 Sigra ,Near Petrol Pump Varanasi -221010 Kfin Technologies Ltd B-V 185/A 2Nd Floor Jagadri Road Near Dav Girls College (Uco 151 Yamuna Nagar Haryana 7518801857 Bank Building) Pyara Chowk - Yamuna Nagar 135001 Kfin Technologies Ltd 605/1/4 E Ward Shahupuri 152 Kolhapur Maharashtra 2Nd Lane Laxmi Niwas Near Sultane Chambers 0231 2653656 Kolhapur 416001 Kfin Technologies Ltd 6/8 Ground Floor Crossley House Near Bse ( Bombay Stock 153 Mumbai Maharashtra 022-46052082 Exchange)Next Union Bank Fort Mumbai - 400 001 Kfin Technologies Ltd Office # 207-210 Second 020-46033615 / 154 Pune Maharashtra Floor Kamla Arcade Jm Road. Opposite 020-66210449 Balgandharva Shivaji Nagar Pune 411005 Kfin Technologies Ltd Vashi Plaza Shop No. 324 155 Vashi Maharashtra C Wing 1St Floor Sector 17 Vashi Mumbai 022-49636853 400703 Kfin Technologies Ltd Office No 103, 1st Floor, MTR Cabin-1, Vertex, Navkar Complex M .V 156 Andheri Maharashtra 022-46733669 .Road, Andheri East , Opp Andheri Court, Mumbai - 400069 Kfin Technologies Ltd Gomati Smutiground 157 Borivali Maharashtra Floor Jambli Gully Near Railway Station 022-28916319 Borivali Mumbai 400 092 Kfin Technologies Ltd Room No. 302 3Rd Floorganga Prasad Near Rbl Bank Ltd Ram 158 Thane Maharashtra 022 25303013 Maruti Cross Roadnaupada Thane West Mumbai 400602 Kfin Technologies Ltd 302 3Rd Floor Ajmer 159 Ajmer Rajasthan Auto Building Opposite City Power House Jaipur 0145-5120725 Road; Ajmer 305001 Kfin Technologies Ltd Office Number 137 First 160 Alwar Rajasthan 0144-4901131 Floor Jai Complex Road No-2 Alwar 301001 Kfin Technologies Ltd Sco 5 2Nd Floor District 161 Amritsar Punjab Shopping Complex Ranjit Avenue Amritsar 0183-5053802 143001 Kfin Technologies Ltd Mcb -Z-3-01043 2 Floor 162 Bhatinda Punjab Goniana Road Opporite Nippon India Mf Gt Road 0164- 5006725 Near Hanuman Chowk Bhatinda 151001 Kfin Technologies Ltd Office No. 14 B Prem 01482-246362 / 163 Bhilwara Rajasthan Bhawan Pur Road Gandhi Nagar Near 246364 Canarabank Bhilwara 311001 KFin Technologies Limited H.No. 10, Himtasar 164 Bikaner Rajasthan House, Museum circle, Civil line, Bikaner, 0151-2943850 Rajasthan - 334001 Union Kfin Technologies Ltd First Floor Sco 2469-70 165 Chandigarh 1725101342 Territory Sec. 22-C - Chandigarh 160022 71Kfin Technologies Ltd The Mall Road Chawla 166 Ferozpur Punjab Bulding Ist Floor Opp. Centrail Jail Near 01632-241814 Hanuman Mandir Ferozepur 152002 Kfin Technologies Ltd Unit # Sf-6 The Mall 167 Hoshiarpur Punjab Complex 2Nd Floor Opposite Kapila Hospital 01882-500143 Sutheri Road Hoshiarpur 146001 Kfin Technologies Ltd Office No 101 1St Floor Okay Plus Tower Next To Kalyan Jewellers 01414167715/1 168 Jaipur Rajasthan Government Hostel Circle Ajmer Road Jaipur 7 302001 Kfin Technologies Ltd Office No 7 3Rd Floor 169 Jalandhar Punjab City Square Building E-H197 Civil Line Next To 0181-5094410 Kalyan Jewellers Jalandhar 144001 Kfin Technologies.Ltd 1D/D Extension 2 Jammu & 170 Jammu Valmiki Chowk Gandhi Nagar Jammu 180004 191-2951822 Kashmir State - J&K Kfin Technologies Ltd Shop No. 6 Gang Tower 171 Jodhpur Rajasthan G Floor Opposite Arora Moter Service Centre 7737014590 Near Bombay Moter Circle Jodhpur 342003 Kfin Technologies Ltd 3 Randhir Colony Near 172 Karnal Haryana Doctor J.C.Bathla Hospital Karnal ( Haryana ) 0184-2252524 132001 Kfin Technologies Ltd D-8 Shri Ram Complex 173 Kota Rajasthan Opposite Multi Purpose School Gumanpur Kota 0744-5100964 324007 Kfin Technologies Ltd Sco 122 Second Floor 174 Ludhiana Punjab Above Hdfc Mutual Fun Feroze Gandhi Market 0161-4670278 Ludhiana 141001 Kfin Technologies Ltd 1St Floordutt Road 175 Moga Punjab Mandir Wali Gali Civil Lines Barat Ghar Moga 01636 - 230792 142001 Kfin Technologies Ltd 305 New Delhi House 27 176 New Delhi New Delhi 011- 43681700 Barakhamba Road - New Delhi 110001 Kfin Technologies Ltd 2Nd Floor Sahni Arcade 177 Pathankot Punjab Complex Adj.Indra Colony Gate Railway Road 0186-5074362 Pathankot Pathankot 145001 Kfin Technologies Ltd B- 17/423 Lower Mall 178 Patiala Punjab 0175-5004349 Patiala Opp Modi College Patiala 147001 Kfin Technologies Ltd First Floorsuper 179 Sikar Rajasthan Tower Behind Ram Mandir Near Taparya 01572-250398 Bagichi - Sikar 332001 Kfin Technologies Ltd Address Shop No. 5 Sri 180 Rajasthan Opposite Bihani Petrol Pump Nh - 15 Near Baba 0154-2470177 Ganganagar Ramdev Mandir Sri Ganganagar 335001 Kfin Technologies Ltd Shop No. 202 2Nd Floor 181 Udaipur Rajasthan Business Centre 1C Madhuvan Opp G P O 0294 2429370 Chetak Circle Udaipur 313001 Kfin Technologies Ltd Dno-23A-7-72/73K K S Andhra 08812-227851 / 182 Eluru Plaza Munukutla Vari Street Opp Andhra Pradesh 52 / 53 / 54 Hospitals R R Peta Eluru 534002 72Kfin Technologies Ltd C/o Global Financial 183 chandrapur Maharashtra Services,2nd Floor, Raghuwanshi Complex,Near 07172-466593 Azad Garden, Chandrapur, Maharashtra-442402 Kfin Technologies Ltd 11/Platinum Mall, Jawahar 184 Ghatkopar Maharashtra 9004089306 Road, Ghatkopar (East), Mumbai 400077 Kfin Technologies Ltd G7, 465 A, Govind Park 185 Satara Maharashtra 9890003215 Satar Bazaar, Satara - 415001 Kfin Technologies Ltd Shop no. 2, Plot No. 17, 186 Ahmednagar Maharashtra S.no 322, Near Ganesh Colony, Savedi, 9890003215 Ahmednagar - 414001 Kfin Technologies Ltd 24-6-326/1, Ibaco Building Andhra 4th Floor, Grand Truck road, Beside Hotel 187 Nellore 9595900000 Pradesh Minerva, Saraswathi Nagar, Dargamitta Nellore - 524003 KFin Technologies Limited Seasons Business 9619553105/98 Centre, 104 / 1st Floor, Shivaji Chowk, Opposite 188 Kalyan Maharashtra 19309203/9004 KDMC (Kalyan Dombivali Mahanagar 089492 Corporation) Kalyan - 421301 KFin Technologies Limited Office No.202, 2nd 189 Korba Chatisgarh floor, ICRC, QUBE, 97, T.P. Nagar, Korba - 7000544408 495677 Madhya KFin Technologies Limited 106 Rajaswa Colony, 9907908155, 190 Ratlam Pradesh Near Sailana Bus Stand, Ratlam (M.P.) 457001 9713041958 KFin Technologies Limited 3rd Floor, 8761867223, 191 Tinsukia Assam Chirwapatty Road, Tinsukia-786125, Assam 8638297322 KFin Technologies Limited Ist Floor, Krishna 192 Saharanpur Uttar Pradesh Complex, Opp. Hathi Gate, Court Road, 0132-2990945 Saharanpur, Uttar Pradesh, Pincode 247001 KFin Technologies Limited Ground Floor,H No 193 Kalyani West Bengal B-7/27S, Kalyani, Kalyani HO, Nadia, West 9883018948 Bengal – 741235 KFin Technologies Limited No.2/3-4. Sri 194 Hosur Tamil Nadu Venkateswara Layout, Denkanikottai road, 0434 4458096 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. 73