non-commercial transactions (nct) version 3... · sr. no. title page no. (ctrl+click to follow...

Version 3 (Updated as on Friday, December 21, 2012) 1

Non-Commercial Transactions (NCT)…

Process Manual

(with Letter formats)


Contents :

Sr. No. Title Page No. (Ctrl+click to follow link)

1. Change/Updation of Assignee Name (for Insurance Claim) 4

2. Addition/deletion of joint holder 5

3. Change/Correction in Address 6

4. Change/Correction in Bank Details 10

5. Redemption Request along with Change in Bank Details 14

6. Redemption Request along with Change of Address 16

7. Change/Correction in Contact Number 17

8. Change/Correction of Email Id 18

9. Change/Correction in Name 19

10. Change in Status/Change of Bank Details (Minor attained Majority) 21

11. Change in Guardian in case of Death of a guardian or with mutual consent of existing & proposed guardian 26

12. Change in Mode of Holding 27

13. Change in Mode of Dividend/Redemption Payment 28

14. Change/Correction of Broker Code 29

15. Consolidation 30

16. Dividend/Refund/Redemption/Brokerage Warrant 31

17. Nomination 32

18. Channel Partner Transfer Request 33


Sr. No. Title Page No. (Ctrl+click to follow link)

19. Online to Offline request visa versa 34

20. Request for Demat/Remat 35

21. Delayed Interest 37

22. Updation of MOA/ASL/BOR 38

23. KYC procedure 39

24. Power of Attorney 45

25. Transmission 46

26. Lien 50

27. Insurance 52

28. Online transaction Services 53

29. Third Party Payment 54

30. Information & Procedure for redeemed schemes 58

31. Trigger 60


1. Change/Updation of Assignee Name (for Insurance Claim)

Criteria Procedure Format - Hyperlink

Required to submit a written request to update the Assignee’s name in our records duly signed as per mode of holding.

Change in Account Information (Page No. 66)


2. Addition/deletion of joint holder


Addition of Joint Holder is not permitted N.A.

Note : Units of the Scheme held in Physical Form shall be non-transferable. However, if a transferee becomes a holder of the Units by operation of law or upon enforcement of a pledge, then the AMC shall, subject to production of such evidence and submission of such documents, which in their opinion is sufficient, proceed to effect the transfer, if the intended transferee is otherwise eligible to hold the Units. 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 of Units and not transfer.


3. Change/Correction in Address

i. KYC Not Complied Folios/Clients: In case of change of address for KYC Not Complied Folios:


Individual

Required Common Transaction Form / Change of address form or written application on plain paper duly signed by the Unit holder as per mode of holding along with original of the following documents or originals should be produced for verification or copy should be attested (as per AMFI Best Practice Guidelines Circular No.26/2011-12 dated March 21, 2012):

Proof of new Address (POA) : Annexure A

Proof of Identity (POI): Only copy of PAN Card, if PAN number is updated in the folio. If PAN

number is not updated in our records then other proof of identity/PAN – Please refer – Annexure A

List of documents admissible as Proof of Identity (POI) and Proof of Address (POA) under extract of Para B of Instructions / Check List annexed to SEBI circular Ref No MIRSD / SE / Cir – 21 / 2011 dated October 5, 2011 on uniform KYC, provided the document is valid at the time of submission. (refer annexure A below)

Change of Address Form

(7)

Non-Individual (Hindu Undivided Family (HUF),

Company / Body Corporates, Partnership firms, Trusts etc.)

Required Common Transaction / Change of Address form or written application on the company

letter head with stamp & signature (ASL to be submitted along with the same) along with

original of the following documents or originals should be produced for verification or copy

should be attested (as per AMFI Guidelines):

Proof of new Address (POA) Annexure A

Proof of Identity (POI): Only copy of PAN Card, if PAN number is updated in the folio. If PAN


List of documents admissible as Proof of Identity (POI) and Proof of Address (POA) under extract of Para B of Instructions / Check List annexed to SEBI circular Ref No MIRSD / SE / Cir – 21 / 2011 dated October 5, 2011 on uniform KYC, provided the document is valid at the time of submission. (refer annexure A below)

https://www.principalindia.com/Downloads/CommonTransactionForm.pdf

https://www.principalindia.com/Downloads/CommonTransactionForm.pdf


ii. KYC Complied Folios/Clients: In case of change of address for KYC complied Folios (investor address has been captured by CVL) Procedure for KYC updation


Individual

As per KYC norms, investor should intimate his change of Name/Address/Status etc. to any convenient PoS. Investor need to quote his PAN and submit proof (in case of new address). Request for change/correction in address has to be forwarded to any of the Points of Service(s) appointed by the Central Agency. On CVL updating the address and communicating the same to the R&T Agent, database of AMC will be suitably updated to reflect new/corrected address. Copies of all the supporting documents submitted by the applicants will be self attested and accompanied by originals for verification. In case the original of any document is not produced for verification, then the copies will be properly attested/verified by entities authorized for attesting/verification of the documents.

KYC Change Form – Individual

(Page No. 92)

Non-Individual

KYC Change Form – Non-

Individual (Page No. 93)

Note :

a) On receipt of change of address requests and after carrying out any changes in the records of AMC, the intimation letter will be sent to both old and New addresses mentioned as well as via emails (if registered) and SMS (if mobile number registered) to the investor.

b) In case of rejection of change of Address due to any reason like signature difference etc. the rejection letter will be sent to both old and new addresses of the Investor, as well as to the E-mail ID (if registered) and SMS (if mobile number registered) of the Investor.


Extract : Annexure A

List of documents admissible as Proof of Identity (POI) and Proof of Address (POA) under Para B of Instructions / Check List annexed to SEBI circular Ref No MIRSD / SE / Cir – 21 / 2011 dated October 5, 2011 on uniform KYC, provided the document is valid at the time of submission:

Proof of new Address (POA) : (*Documents having an expiry dates should be valid on the date of submission)

Utility bills like Telephone Bill (only land line),Electricity bill or Gas bill -Not more than 3 months old. Bank Account Statement/Passbook -Not more than 3 months old. Self-declaration by High Court and Supreme Court judges, giving the new address in respect of their own accounts.

Registered Lease or Sale Agreement of Residence Proof of address issued by any of the following:

Bank Managers of Scheduled Commercial Banks Scheduled Co-operative Bank Multinational Foreign Banks Gazetted Officer Notary public Elected representatives to the Legislative Assembly or Parliament Documents issued by any Govt. or Statutory Authority.

Identity card/document with address, issued by any of the following:

Central/State Government and its Departments, Statutory/Regulatory Authorities, Public Sector Undertakings, Scheduled Commercial Banks, Public Financial Institutions, Colleges affiliated to Universities Professional Bodies such as ICAI, ICWAI, ICSI, Bar Council etc.to their Members.


Proof of Identity (POI): (*Documents having an expiry dates should be valid on the date of submission)

PAN card with photograph. This is a mandatory requirement for all applicants except those who are specifically exempt from obtaining PAN.

Exemptions/clarifications to PAN (*Sufficient documentary evidence in support of such claims to be collected.) In case of transactions undertaken on behalf of Central Government and/or State Government and by officials appointed by Courts e.g. Official liquidator,

Court receiver etc. Investors residing in the state of Sikkim. UN entities/multilateral agencies exempt from paying taxes/filing tax returns in India. Micro schemes such as Systematic Investment Plan (SIP), where aggregate of installments in a rolling 12 month period or in a financial year i.e. April to March

does not exceed ₹ 50,000.

Unique Identification Number (UID) (Aadhaar)

Passport

Voter ID card

Driving license.

Identity card/ document with applicant’s Photo, issued by any of the following:

Central/State Government and its Departments,

Statutory/Regulatory Authorities,

Public Sector Undertakings,

Scheduled Commercial Banks,

Public Financial Institutions,

Colleges affiliated to Universities,

Professional Bodies such as IAI, ICWAI, ICSI, Bar Council etc., to their Members; and Credit cards/Debit cards issued by Banks.


4. Change/correction in Bank Details :

Investor can Change the bank Account Details either through Multiple Bank Account Registration Form or a standalone separate Change of Bank Mandate form.

i. Multiple Bank Account Registration:


Individual/ Non-Individual

Investor has to submit duly filled in “Multiple Bank Account Registration form” along with one of the supporting document listed below (Original of any one of the following documents or originals should be produced for verification or copy should be attested by the Bank) :

Cancelled original cheque of the new bank mandate with first unit holder name and bank account number printed on the face of the cheque.

Self attested copy of bank statement with the account number, IFSC Code name of the Unit holder and Address with Banker’s attestation with bank stamp, Signatories full name , designation, signature & Emp. Code.

Bank passbook with current entries not older than 3 months with the account number, IFSC Code name of the Unit holder and Address.

Bank Letter duly signed by branch manager/authorized personnel on its letter head certifying the Account is present in the given account holder’s name, account number and branch address. Letter / certificate should with bank stamp, Signatories full name, designation, signature & Emp. Code.

Multiple Bank Account

Registration Form (Page No. 69)


ii. Change of Bank Request (Standalone Request):


Individual/

Non-Individual

Standalone “change in Bank Mandate Form” duly signed by the Unit holder as per mode of holding along with along with following documents (as per AMFI Best Practice Guidelines Circular No.26/2011-12 dated March 21, 2012): 1. New bank account: Original of any one of the following documents or originals should be produced for

verification or copy should be attested by the Bank:


Self attested copy of bank statement (not older than 3 months) with the account number, IFSC Code name of the Unit holder and Address with Banker’s attestation with bank stamp, Signatories full name , designation, signature & Emp. Code.



AND

2] Existing bank mandate currently registered (Optional, based on AMC’s risk assessment) Original of any one of the following documents or copy should be attested by the Bank or originals should be produced for verification:

Cancelled original cheque with first unit holder name and bank account number printed on the face of the cheque.

Original bank account statement / Pass book.

Original letter issued by the bank on the letterhead confirming the bank account holder with the

Change in Bank Details

(Page No. 68)



account details, duly signed and stamped by the Branch Manager.

In case such bank account is already closed, a duly signed and stamped original letter from such bank on the letter head of bank, confirming the closure of said account.

iii. In case of Updation of bank details wherein bank details were not recorded Registrar/ not available in SOA (Legacy folios), investor shall provide the

supporting documents towards the new bank account proof and Proof of Identity along with Proof of Investment


Individual/ Non-Individual

Standalone “change in Bank Mandate Form” and/or written application on plain paper duly signed by the Unit holder as per mode of holding along with along with following documents (as per AMFI Best Practice Guidelines Circular No.26/2011-12 dated March 21, 2012):

1. New bank account: Original of any one of the following documents or originals should be produced for verification or copy should be attested by the Bank:




Bank Letter duly signed by branch manager/authorized personnel on its letter head certifying the Account is present in the given account holder’s name, account number and branch address. Letter / certificate issued by the Bank should carry bank stamp, full name of the authorised personnel, designation, signature & Emp. Code.

AND


(Page No. 68)



Poof of Identity (POI) : Self attested copy of any one of the documents prescribed as list of documents admissible as Proof of Identity (POI) under Para B of Instructions / Check List annexed to SEBI circular Ref No MIRSD / SE / Cir – 21 / 2011 dated October 5, 2011 on uniform KYC, provided the document is valid at the time of submission.

AND

3] Proof of investment :

Copy of acknowledgement of investment

Debit entry in pass book reflecting the scheme name

Counterfoil of the dividend warrant

Membership Advice

Certificate from where the investment has been converted / merged to the present scheme, if applicable.

*Account statement issued on current date shall not be treated as investment proof.

Note :

i) In case Multiple Bank Account Register, unit holder can choose any of the registered bank accounts towards receipt of redemption proceeds.

ii) On receipt of change/correction in bank details request and after carrying out any changes in their records, the intimation letter will be sent to unit holder at registered address as well as via emails (if registered) and SMS (if mobile number registered) to the investor.

iii) In case of rejection of change/correction in bank details due to any reason like signature difference etc., the rejection letter will be sent to unit holder at registered address as well as via emails (if registered) and SMS (if mobile number registered) to the investor.


5. Redemption Request along with Change in Bank Details :

Criteria Procedure Format – Hyperlink

Required transaction request (pre-printed form/request on plain paper) duly signed by unit holder as per mode of holding/Authorized Signatory along with following supporting documents (Original of any one of the following documents or originals should be produced for verification or copy should be attested by the Bank:

1. Proof of Bank

Original of any one of the following documents or originals should be produced for verification or copy should be attested by the Bank:





AND 2. Proof of Identity (POI) : Only copy of PAN Card, if PAN number is updated in the folio. If PAN



Note :

i) If anyone above mentioned supporting documents is missing, the redemption payment will be released with old/existing bank account.

ii) Whenever any change of bank mandate request is received / processed few days prior to submission of a redemption request or on the same day along with redemption request, there is cooling period of 10 calendar days for validation and registration of bank accounts. The process of validation will include notifying the investor through letter, e-mail, SMS about the registration of a new bank account. (as per AMFI circular number 135/BP/17/10-11 dated October 22, 2010)

iii) The redemption payment will be released post completion of the cooling period (10 calendar days) but within 10 working days (Statutory timeline) from the processing of redemption to the new bank details provided by investor.


6. Redemption Request along with Change of Address


Required transaction request (pre-printed form/request on plain paper) duly signed by unit holder as per mode of holding/Authorized Signatory along with following supporting documents (Original of any one of the following documents or originals should be produced for verification or copy should be attested by the Bank:

1. Proof of Address – Annexure A

2. Proof of Identity (POI) : Only copy of PAN Card, if PAN number is updated in the folio. If PAN number is not updated in our records then other proof of identity/PAN – Please refer – Annexure A


7. Change/correction/updation of Contact/Mobile Number


Letter from unit holder requesting Change/correction/updation of Contact Number duly signed as per the mode of holding.


Note : i) On receipt of change of mobile number requests and after carrying out any changes in their records, the intimation SMS will be sent to both old and New Mobile

Number.

ii) In case of rejection of change of Mobile Number due to any reason like signature difference etc., the rejection SMS will be sent to both old and new Mobile No. mentioned, as well as letter and E-mail ID (if register) to the clients.


8. Change /Correction of Email ID


Letter from unit holder requesting Change/correction/updation of E-mail ID duly signed as per the mode of holding

E-mail ID Registration Form (Page No.71)

Note : i) On receipt of change of email ID requests and after carrying out any changes in their records, the intimation letter will be sent to both old and New E-mail ID as

well as Letter and SMS (if mobile number register) to the unit holder.

ii) In case of rejection of change of email ID due to any reason like signature difference etc, the rejection e-mail will be sent to both old and new E-mail ID mentioned, as well by letter and SMS (if mobile number is registered) to the unit holder.


9. Change/Correction in Name:


Change in Name Letter from unit holders to the Fund / AMC / RTA duly signed as per mode of holding requesting for change in name along with the following documents:

Copy of Government Gazette duly attested by Gazetted Officer or Notary

Copy of PAN Card and KYC reflecting new name

If signature is also changed, then we require the signature duly attested by the bank and if change in bank details above procedure for change in bank (Sr. No. 4) details should be followed.

Change in Account Information

(Page No. 66)

Correction in Name Letter from unit holder duly signed as per mode of holding along with letter from the bank from which subscription was made.

Change in Name after marriage Letter from unit holders to the Fund / AMC / RTA duly signed as per mode of holding requesting for change in name alongwith the following documents:

Copy of Marriage Certificate duly attested by Gazetted Officer/Notary in original

Copy of PAN Card reflecting new name.

KYC reflecting new name.


Change in Name after due to Divorce Letter from unit holders to the Fund / AMC / RTA duly signed as per mode of holding requesting for change in name alongwith the following documents:

Court Order duly attested by Gazetted Officer/Notary in original




Change in Name after due to Letter from unit holders to the Fund / AMC / RTA duly signed as per mode of holding


Criteria Procedure Format - Hyperlink Adoption requesting for change in name alongwith the following documents:

Court Order duly attested by Gazetted Officer/Notary in original




Change in Company Name Letter on company’s letter head duly signed as per mode of holding requesting for change in name alongwith the following documents:

Copy of Registrar of Company’s certificate for change in name duly attested by

Company Secretary or Authorized Signatories.

Copy of MOA, ASL, Board Resolution and article of association duly attested by

Company Secretary or Authorized Signatories.

Copy of PAN Card and KYC reflecting new name.

Note: If investor is KYC Compliant then he need to follow procedure of KYC Updation with above mentioned proof.


10. Change in Status


Minor accounts – Account / folio is opened on behalf of a minor

1. The minor shall be the first and the sole holder in an account.

2. No Joint holders are allowed. In case investor provides joint holder/s details in the application, those details will not be captured.

3. Guardian in the account / folio on behalf of the minor should be either a natural guardian (i.e. father or mother) or a court appointed legal guardian.

4. Guardian should mention the relationship with minor on the application

5. A document evidencing the relationship should be submitted along with application for the first time during the opening of account.

6. Guardian should submit the following documents: (Original of any one of the following documents or originals should be produced for verification or copy should be attested by Gazetted Officer or Notary.)

a. Birth certificate of the minor or

b. School leaving certificate / mark sheet of Higher Secondary Board of respective states, ICSE, CBSE etc. or

c. Passport of the minor or

d. Any other suitable proof evidencing the relationship

e. In case of court appointed legal guardian supporting documentary evidence shall be provided

7. Date of birth of the minor should be mentioned on the application and as a proof, following supporting documents to be furnished: (Original of any one of the following documents or originals should be produced for verification or copy should be attested by Gazetted Officer or Notary.)

a. Birth certificate of the minor or

b. School leaving certificate / mark sheet of Higher Secondary Board of respective



states, ICSE, CBSE etc. or

c. Passport of the minor or

d. Any other suitable proof showing the date of birth of the minor

Minor to Major Required following standard documents where Date of Birth is updated in our records:

1. Service request form, duly filled and containing details like name of major, folio number etc.

2. New bank mandate where account changed from minor to major along any one of the

supporting document listed below, duly attested by the bank or verify by the our AMC/Karvy employee. a) Cancelled original cheque of the new bank mandate with first unit holder name and

bank account number printed on the face of the cheque. b) Self attested copy of bank statement with the account number, IFSC Code name of

the Unit holder and Address with Banker’s attestation with bank stamp, Signatories full name , designation, signature & Emp. Code.

c) Bank passbook with current entries not older than 3 months with the account

number, IFSC Code name of the Unit holder and Address.

d) Bank Letter duly signed by branch manager/authorized personnel on its letter head certifying the Account is present in the given account holder’s name, account number and branch address. Letter / certificate should with bank stamp, Signatories full name, designation, signature & Emp. Code.

3. Signature attestation of the major by a manager of scheduled bank/bank certificate/Letter 4. Self attested Copy of PAN card – Date of birth to be validated with data in application

form.

Minor Attaining Majority

(Page No. 73)

Banker Attestation (Page No. 74)



5. KYC Acknowledgment Required following standard documents where Date of Birth is not updated in our records: 1. Service request form, duly filled and containing details like name of major, folio number

etc. 2. New bank mandate where account changed from minor to major along any one of the

supporting document listed below, duly attested by the bank or verify by the our AMC/Karvy employee. a) Cancelled original cheque of the new bank mandate with first unit holder name and

bank account number printed on the face of the cheque. b) Self attested copy of bank statement with the account number, IFSC Code name of

the Unit holder and Address with Banker’s attestation with bank stamp, Signatories full name , designation, signature & Emp. Code.

c) Bank passbook with current entries not older than 3 months with the account

number, IFSC Code name of the Unit holder and Address. d) Bank Letter duly signed by branch manager/authorized personnel on its letter head

certifying the Account is present in the given account holder’s name, account number and branch address. Letter / certificate should with bank stamp, Signatories full name, designation, signature & Emp. Code.

3. Signature attestation of the major by a manager of scheduled bank/bank

certificate/Letter. 4. KYC Acknowledgment 5. Proof of Age duly attested by registered Gazetted Officer or Notary in original or original

verify by the our AMC/Karvy employee . Date of birth of the minor should be mentioned on the request and as a proof, any one following supporting documents to be furnished:



a) Birth certificate of the minor or b) School leaving certificate / mark sheet of Higher Secondary Board of respective states,

ICSE, CBSE etc. or c) Passport of the minor or d) Copy of PAN Card e) School leaving certificate f) Mark sheet of Higher Secondary Board of respective states, ICSE, CBSE etc. g) Any other suitable proof showing the date of birth of the minor

6. If change/correction in Name, then required Affidavit duly confirming that both the names

are of the same person.

Note –

1. In case of non receipt of request letter along with relevant documents as mentioned above, folio would be frozen for all subsequent transactions including; fresh subscription, redemptions, remaining installments of SIP/STP/SWP from the date of attaining the date of majority.

2. All subsequent SIP installment feeds will be stopped until the request is received from the investor for executing all SIP installments.

3. In case of non receipt of request for change of status along with relevant documents, minor folio/account will be frozen for operation by guardian from the date of minor attaining the status of majority as per the records and a reminder letter would be send on that date.

Note: If the investor submit the request change in status for minor becoming major along with redemption. KYC acknowledgement is not required.

Individual to Non-Resident Ordinary (NRO)

Letter from unit holders to the Fund / AMC / RTA duly signed as per mode of holding along with letter from the bank and cancelled cheque leaf.

Individual to Non-Resident External (NRE)

Letter from unit holders to the Fund / AMC / RTA duly signed as per mode of holding along with letter from the bank and RBI Approval and cancelled cheque leaf.

Individual to NRE/NRO Letter from unit holders to the Fund / AMC / RTA duly signed as per mode of holding along



with letter from the bank and cancelled cheque leaf.

Note : Minor Attaining Majority - When the units are held on behalf of the minor, the ownership of the units rests with the minor. A guardian operates the account until the minor attains the age of majority. When a minor turns major, mutual funds shall obtain relevant documents and follow the guidelines as enumerated below:

1. Prior to minor attaining majority, we send advance notice to o the registered correspondence address advising the guardian and the minor to submit an application form along with prescribed documents (as per 3.5 below) to change the status of the account to “major”. The notice shall clearly state that all transactions including SIP,STP, SWP shall be suspended in case the documents to change the status are not received by the date when the minor attains majority.

2. The account shall be frozen for operation by the guardian on the day the minor attains the age of majority and no transactions shall be permitted till the documents for changing the status.

3. We will suspend all standing instructions like SIPs, SWPs, STPs etc. from the date of the minor attaining majority, by giving adequate notice prior to that date.

Non-Resident External (NRE) : An NRE account is a Rupee denominated account. That is, funds in an NRE account are maintained in Indian Rupees. It can be a savings, current or a fixed / term deposit account. NRE accounts can be opened by NRIs. Funds can be repatriated from an NRE account. This means that the funds can be freely sent to any other country. An NRE account can contain funds remitted from abroad, or obtained from another NRE / FCNR account maintained in India. Funds can be transferred from an NRE account to an NRO account without any restriction. An NRE account can be held jointly, provided the other person is also an NRI. The interest earned on deposits in an NRE account is exempt from tax in the hands of the NRI. A resident power of attorney holder can not open an NRE account on behalf of an NRI. But the resident power of attorney holder can make local, rupee payments on behalf of the NRI. Nomination is allowed for NRE accounts.

Non-Resident Ordinary (NRO) : An NRO account is a Rupees denominated account. That is, funds in an NRE account are maintained in Indian Rupees. It can be a savings, current or a fixed / term deposit account. NRO accounts can be opened by NRIs. Regular bank accounts of a person, who becomes an NRI, also get converted into NRO accounts. Funds can not be repatriated from an NRO account. These funds have to be used only for local (within India) payments in Indian Rupees. An NRO account can only contain funds received from within India. Funds can not be transferred from an NRO account to an NRE account. An NRO account can be held jointly with another NRI or with a resident Indian. The interest earned on deposits in an NRO account is taxable in the hands of the NRI as per the applicable income tax slab rates. A resident power of attorney holder can not open an NRO account on behalf of an NRI. But the resident power of attorney holder can make local, rupee payments on behalf of the NRI. Nomination is allowed for NRO accounts. If the NRI holding the NRO account returns to India and becomes a resident of India, the NRO account is converted into a regular resident account.


11. Change in Guardian:


Death of a guardian

With mutual consent of existing & proposed guardian

We require following documents:

Request letter from the New Guardian

No objection (NOC) letter from the existing guardian in case of change with mutual consent or court order

Copy of death certificate of the deceased guardian, in case of demise of existing guardian. The attestation may also be done by a special executive magistrate, AMC authorized official or manager of a schedule bank or Gazetted Officer or Notary

The new guardian must be a natural guardian (i.e. father or mother) or a court appointed legal guardian.

New Guardian should submit the following documents:

KYC Acknowledgment

Relationship evidence documents ( original of any one of the following documents or original should be produced for verification or copy should be attested by Gazetted officer or Notary)

Birth Certificate of the minor

School leaving certificate/mark sheet of Higher Secondary Board of respective states, ICSE, CBSE, etc.

Passport of the minor

Any one suitable proof evidencing the relationship

In case of court appointed legal guardian, supporting documentary evidence shall be obtained

Bank attesting the signature of the new guardian in a blank account of the minor where the new guardian is registered as the under guardian.

Request received for change of guardian shall be rejected in case of non availability of the required documentary evidence.

Change in Guardian (Page No. 105)


12. Change in Mode of Holding


Joint to Anyone or Survivor or vice versa Letter from unit holder requesting change in mode of holding i.e. Joint to Anyone or Survivor or vice versa, duly signed by all the holders.



13. Change in Mode of Dividend/Redemption Payment


Letter from unit holder requesting Change in Mode of dividend/redemption payment duly signed as per the mode of holding with mentioning IFSC/NEFT and MICR Code. If change/correction in bank details above procedure for change in bank (Sr. No. 4) details should be followed.

Change in Bank Details (Page No. 68)


14. Change/ Correction of Broker Code


Letter from unit holder requesting Letter from unit holder requesting Change/correction of Broker Code duly signed as per the mode of holding.

N.A


15. Consolidation


Letter from unit holder requesting consolidation of Folio/Account No. duly signed as per mode of holding.

Consolidation Form (Page No. 72)


16. Dividend/Refund/Redemption/Brokerage Warrant


Issue of Duplicate warrant Letter from unit holder requesting issue of duplicate warrant duly signed as per mode of holding.

Revalidation of Warrant Letter from unit holder requesting revalidation of warrant duly signed as per mode of holding along with the original warrant.

Correction of Warrant Letter from unit holder requesting correction of warrant mentioning correct details duly signed as per mode of holding along with the original warrant.. If change/correction in bank details above procedure for change in bank (Sr. No. 4) details should be followed. The duplicate warrant/Direct Credit/NEFT will be done after cooling period of 10 calendar days


(Page No. 68)

Issue of duplicate warrant due to the said warrant was rejected by banker

due to some or other reason.

Letter from unit holder requesting issue of duplicate warrant duly signed as per mode of holding along with the original warrant with “All our stamp cancelled “ by bank on reverse side of the warrant.


17. Nomination


Registration/Change

Required to fill Nomination form duly signed by investor or can give written

application on plain paper.

If more than one nominee appointed in a folio the percentage of nomination is

required to mention on the request.

Nomination Form (Page No. 101)

Please note that:

1. Nomination is mandatory for all the folios/accounts, where the mode of holding is single or the folio/account is opened by individual without any joint holding.

2. New subscriptions received from individuals without nomination will be rejected. 3. In case of a folio with joint holders investor do not wish to nominate for specific folio / account, he should fill the specific field by writing “Nomination not

required” and sign on the application form. 4. Nomination will not be allowed for the folios/accounts opened by minor, Power of Attorney holder, Societies, Funds, Corporate Bodies, Partnership Firms and

HUF.. 5. Nomination will be updated at folio/account level and not at scheme level. 6. In case of fresh nominee registrations, existing nominee details will be over written across the schemes under the folio and this is effective 01st April 2011. 7. Account statement shall be modified to display the nominee details 8. Nominee can be a minor; however guardian should sign the application on behalf of minor nominee. The guardian of the minor in the nomination form

should not be the first holder in the folio/account. 9. Where a folio has joint holders, all joint holders should sign the request for nomination/cancellation of nomination, even if the mode of holding is not “joint”.

Nomination form cannot be signed by Power of attorney (PoA) holders. 10. Every new nomination for a folio/account will overwrite the existing nomination 11. Nomination should be not allowed in a folio held on behalf of a minor.

https://www.principalindia.com/downloads/NominationForm.pdf


18. Channel Partner Transfer Request


Letter from unit holder requesting transfer of channel partner. N.A


19. Online to Offline request visa versa


Letter from unit holder requesting online to offline vice versa. N.A


20. Request for Demat/Remat Units of the schemes held in electronic (demat) form, the units will be transferable (in terms of SEBI Circular No. CIR/IMD/DF/10/2010 dated August 18, 2010) and will be subject to the transmission facility in accordance with the provisions of SEBI (Depositories and Participants) Regulations, 1996 as may be amended from time to time.

Dematerialisation is a process whereby an investor’s holding of investments in physical form (paper), is converted into a digital record. Benefit of holding investments in demat form is that investors’ purchase and sale of investments get automatically added or subtracted from their investment demat account, without having to execute cumbersome paperwork. Settlement of most transactions in the stock exchange needs to be compulsorily done in demat form.

On dematerialisation, the investor’s unit-holding will be added to his / her demat account. As and when the investor sells the unit holding, the relevant number of units will be reduced from the investor’s demat account.

Allotment of units in Demat mode/Demat Account Details

• Applicant who wishes to apply for allotment in electronic form must:

(a) have a demat account with National Securities Depository Limited or Central Depository Services (India) Ltd. prior to making the application. (b) fill the demat account number and DP ID appearing in the application form. In case of incorrect/incomplete details, allotment will be made in

physical form. (c) Ensure that names in the application form should be identical to those appearing in the account details in the depository. In case of joint holders,

the names should necessarily be in the same sequence as they appear in the account details in the depository. • For allotment in electronic form, units will be credited directly in the demat account of the investor.

Rematerialisation of Demat Units: The investor also has the option to convert the demat units into physical form. This process is called re-materialisation. The unit holders who converted their units in demat mode may also rematerialize their units. The request for rematerialising the demat Units may be given to the respective Depository Participant (DP) of the investor. On receiving the confirmation of Remat Units balance, account statement for the physical Units shall be issued. The same number of Units held in the demat mode shall be continued in the physical mode. Rematerialisation of demat Units shall be processed within the thirty days or such other days as may be stipulated under SEBI Regulations from the date of receipt of such a request, provided it is complete and valid in all respects. Further, from 1st October, investors will be provided with an option to hold units in demat form, irrespective of its availability on the stock exchange platform. Should the investor decide to opt for holding such scheme units (not available on stock exchange platform), the process will be as under:

a) Subscribe for units in the physical form b) On receiving confirmation of unit allotment (SOA) proceed to dematerialise the units



Conversion of Mutual Fund Units into dematerialised form through your

Depository Participant (DP)

Obtain Conversion Request Form (CRF) from your DP.

Fill-up the CRF.

Submit the CRF alongwith the Statement of Account to your DP.

After due verification, the DP would send the CRF and Statement of Account to the Asset Management Company (AMC) / Registrar and Transfer Agent (RTA).

The AMC / RTA after due verification will confirm the conversion request executed by DP and the mutual fund units will be credit in your demat account.

Redemption through DP Obtain Redemption Form (RF) from your DP.

Fill-up the RF form and submit it to your DP.

After due verification, your DP will execute electronic redemption request, which will be electronically forwarded to the AMC / RTA.

The AMC / RTA will verify the redemption request and if in order, confirm the electronic request and make the payment as per your bank account details available in your folio


21. Delayed Interest


Dividend

Letter from unit holder duly signed as per the mode of holding. Please note that in accordance with the SEBI guidelines, the dividend warrants are required to be dispatched to the unit holders within 30 days of the declaration of dividend. If it is not dispatched within stipulate time line then only investor is eligible for delayed interest 15% p. a..

N.A.

Redemption

Letter from unit holder duly signed as per the mode of holding

Please note that in accordance with the SEBI guidelines, the redemption warrant needs to be dispatched to the unit holders within 10 working days from the date of redemption /repurchase. This is in accordance with sub clause (c) of Regulation 53 of the Securities and Exchange Board of India (Mutual Fund) regulations, 1996 and SEBI circular no. SEBI/MFD/CIR/2/266/2000 dated 19th May 2000. If it is not dispatched within stipulate time line then only investor is eligible for delayed interest @15% p. a.

N.A.

Refund

Letter from unit holder duly signed as per the mode of holding. If application is rejected, full amount will be refunded within 5 business days of closure of NFO. If refunded later than 5 business days, interest @ 15% p.a. for delay period will be paid and charged to the AMC.

N.A.


22. Updation of MOA/ASL/BOR


Letter from unit holder duly signed along with copy of MOA/ASL/BOA duly attested by Company Secretary/Authorized Signatories/Notarized.

N.A.


23. KYC procedure: 1) KYC is an acronym for "Know your Client", a term commonly used for Client Identification Process. SEBI has prescribed certain requirements relating to KYC

norms for Financial Institutions and Financial Intermediaries including Mutual Funds to 'know' their clients. This would be in the form of verification of identity and address, financial status, occupation and such other personal information. Applicant must be KYC compliant while investing with any SEBI registered Mutual Fund. With effect from January 01, 2011, KYC is mandatory for investor who wish to invest in Mutual Fund.

2) With effect from 1st Jan 2012 there is a revised KYC regime called the KYC Registration Agency (KRA), an unified KYC platform for all SEBI Registered Intermediaries.

3) The process is almost similar to the one existing with some additional information requirement and In-Person Verification (IPV) of the person. The application

form has been revised to include these changes. In the case of Non-Individuals additional details on the Promoters/Partners/Trustees/Directors are also being sought.

4) In-Person Verification (IPV) – Information provided in the KYC form has to be verified in person. As per the SEBI circular, IPV for mutual funds, can be conducted

by any of the following: a) AMC employee having NISM certification b) distributors who are AMFI / NISM certified and compliant with Know Your Distributor (KYD) guidelines c) Scheduled Commercial Bank d) Registrar and Transfer Agent (RTA) or distributors who are AMFI / NISM certified.

5. KYC is mandatory for ALL investors, even where PAN is exempted, e.g. MICRO SIP, investors from the state of Sikkim etc. These investors will have to comply

with this KYC requirement, except for the fact that they will not submit PAN.

6. No standalone KYC shall be accepted. 7. Even for micro SIPs, investor has to do the KYC. KYC done for micro SIP without PAN will not be applicable for subscription under normal category.

8. Existing and new investors who have successfully completed the KYC process with CVL for investments in mutual funds (in the old format) - No action is required and they can continue to use the KYC acknowledgment issued to them for mutual fund investments. However it will not be applicable for investments with other intermediaries in the securities market.

9. Investors who have NOT completed the KYC process with CVL for investments in mutual funds (in the old format) – New uniform KYC norm as explained above is

applicable and the KYC acknowledgment issued by the KRA can be used for all investments in securities market, including mutual funds.


10. Investors who have completed KYC process through any of the intermediaries such as DP, PMS, etc., on or after 1st January, 2012 and hold a valid

acknowledgement issued by KRA for the same may invest with any of the mutual funds with the same acknowledgement. However, a mutual fund may choose to carry out enhanced due diligence based on its internal client due diligence policy.

11. New KYC form can be submitted by an investor along with an investment application (purchase / additional purchase / switch / SIP mandate forms) and not on a stand alone basis, as was possible till 31/12/2011. However, an investor who has investments in any mutual fund and is not KYC compliant may submit new uniform KYC form to the mutual fund by quoting the folio number.

12. As per clause 1.iv of the SEBI circular dated December 23, 2011 the intermediary shall carry out KYC when the client chooses to trade / invest / deal through the intermediary. Therefore, it is essential for an intermediary to have the client account opening form duly signed by the investor along with the KYC documents in order to proceed with carrying out the KYC, uploading the KYC information on the system of the KRA, and forwarding KYC documents to the KRA. This may not necessarily be accompanied by a payment instrument for investments which can happen subsequent to account opening.

13. Mutual fund distribution platforms using electronic mode of transaction submission should get the KYC of first-time investors initiated through any of the mutual

funds by filling up mutual fund’s account / folio opening form. Once the investor’s KYC gets triggered with a KRA, the investor is free to transact with any mutual fund.

14. The following SEBI registered intermediaries are required to carry out a uniform KYC process at the time of account opening:

· Stock brokers · Depository Participants (DPs) · Mutual Funds (MFs) or Registrar and Transfer agents (RTA) on their behalf. · Portfolio Managers (PMs) · Venture Capital Funds (VCFs) · Collective Investment Schemes (CIS)

Important update for investors who have completed KYC formalities prior to January 01, 2012, through CVL

SEBI vide its circular no. MIRSD/Cir-5/2012 dated April 13th 2012 had advised various intermediaries to update the additional information for all KYC compliant investors into the KRA, when such customers approach other intermediaries.

The additional information sought for KRA compliance are:

1. Father / spouse’s name

2. Marital status


3. Nationality

4. Gross annual income or net worth as on recent date

5. Completion of In Person Verification

Based on representation by AMFI, SEBI has permitted mutual funds time up to November 30, 2012 to obtain missing/not available KYC information and also complete In-Person Verification (IPV).

Effective 1st December, 2012 the following scenario’s will prevail:

KRA compliant Investors Only KYC compliant investor

Will be permitted to open new folios in Mutual Fund where there are no investments, as present

Will be eligible to open accounts with other SEBI registered intermediaries such as depository participant, portfolio manager, stock broker, venture capital fund, etc.

Can continue to transact only in the Mutual Fund(s), where investment currently exists.

In order to move from the transactional restrictions of being ‘ONLY KYC Compliant’ to being ‘KRA Compliant’ the enclosed ‘KYC Details Change Form’ should be completed and submitted at any of the KRA agencies (CVL/CAMS/NDML)

In case of Non Individuals, KYC needs to be done afresh due to significant and major changes in KYC requirements. Note : Updation of additional KYC information along with IPV is currently a one-time requirement and needs to be completed with any one of the KRAs. Once the same is done then the KYC status will change to 'Verified by XXX KRA' after due verification. In such a scenario, where the KYC status changes to 'Verified by XXX KRA', you need not submit the additional information to mutual funds again.


Individual Individual investors will have to produce his Proof of identity (Photo PAN card copy or PAN card copy and copy of the passport, driving license etc. ) and Proof of Address (any valid documents listed in section B of the KYC Application Form for Individuals).

KYC Form – Individual

(Page No. 68)

Non -Individual Non-Individual Investors will have to produce certain documents pertaining to its constitution/registration to fulfil the KYC process..

KYC Form – Non Individual &

Annexure (Page No. 88)



Process to be followed for conducting In-Person Verification (IPV). IPV involves two important steps :

a) Meeting the investor ‘in person’: The person conducting the IPV should meet the investor personally, when the KYC form and the relevant documents are being collected. [ File Note: Non Individual investors – The person conducting the IPV should meet with the authorised signatory(ies) whose photograph is affixed on the KYC Form to confirm that the said authorised signatory (ies) indeed have signed the application form. Also that the documents that have been submitted have been verified against original/are attested by authorised /prescribed persons. The above would be applicable where an application is preferred directly i.e without a distributor.]

b) Document verification:

i) The photocopies that are being submitted as identity and residential proofs should be verified with the originals and photo copies of the same should be self-certified by the investor.

In case originals are not produced for verification, the photocopy(ies) should be attested by the personnel / entities listed in the KYC Application Form. -

ii. The self-certification (signature) should be the same as done in the KYC application form and as in ID documents where

submitted. iii. The person conducting the IPV should be satisfied that the photocopies submitted matches with originals produced for

verification, and are of the investor. This will be achieved by: Verifying that the photograph on the identity proof submitted is of the investor and the name given in the proof is the

same as mentioned on the application form for KYC. The name and address mentioned on the residential proof is the same as mentioned in the KYC application form. If

correspondence address and permanent address is different, in such a case proof of address of both the address to be taken.

Copies of all the supporting documents submitted by the applicants will be self attested and accompanied by originals for verification. In case the original of any document is not produced for verification, then the copies will be properly attested/verified by entities authorized for attesting/verification of the documents.



Incase of Non-Individuals, additional documents to be obtained from non-individuals, over & above the POI & POA, as mentioned below:

Type of entity Documentary requirements

Corporate Copy of the balance sheets for the last 2 financial years (to be submitted every year)

Copy of latest share holding pattern including list of all those holding control, either directly or indirectly, in the company In terms of SEBI takeover Regulations, duly certified by the company secretary/Whole time director/MD(to be submitted every year)

Photograph, POI, POA, PAN and DIN numbers of whole time directors/two directors in charge of day to day operations

Photograph, POI, POA, PAN of individual promoters holding control – either directly or indirectly

Copies of the Memorandum and Articles of Association and certificate of incorporation

Copy of the Board Resolution for investment in securities market

Authorised signatories list with specimen signatures

Partnership firm Copy of the balance sheets for the last 2 financial years (to be submitted every year)

Certificate of registration (for registered partnership firms only)

Copy of partnership deed

Authorised signatories list with specimen signatures

Photograph, POI, POA, PAN of Partners

Trust Copy of the balance sheets for the last 2 financial years (to be submitted every year)

Certificate of registration (for registered trust only). Copy of Trust deed

List of trustees certified by managing trustees/CA

Photograph, POI, POA, PAN of Trustees

HUF PAN of HUF

Deed of declaration of HUF/List of coparceners

Bank pass-book/bank statement in the

Photograph, POI, POA, PAN of Karta

Unincorporated Association or a body of individuals

Proof of Existence/Constitution document

Resolution of the managing body & Power of Attorney

Authorized signatories list with specimen signatures



Banks/Institutional Investors Copy of the constitution/registration or annual report/balance sheet for the last 2 financial years


Foreign Institutional Investors (FII) Copy of SEBI registration certificate


Army/Government Bodies Self-certification on letterhead


Registered Society Copy of Registration Certificate under Societies Registration Act

List of Managing Committee members

Committee resolution for persons authorised to act as authorised signatories with

True copy of Society Rules and Bye Laws certified by the Chairman/Secretary


24. Power of Attorney


Registration

Letter from POA holder along with copy of Power of Attorney duly attested by Gazetted Officer or Notary in original and Copy of PAN Card and KYC of POA holder. Unit holder and POA signature should be reflected in POA agreement

N.A

Revocation/Cancellation Letter from unit holder requesting revocation of Power of Attorney N.A


25. Transmission


Transmission to surviving unit holders in case of death of one or more unit holders

1. Letter from surviving unit holders to the Fund / AMC / RTA requesting for transmission of units,

2. Death Certificate in original or photocopy duly notarized or attested by gazette officer or a bank manager,

3. Bank Account Details of the new first unit holder as per Annexure 1 along with attestation by a bank branch manager.

OR

Bank details on plain paper duly signed by the Unit holder along with one of the supporting document listed under procedure for change in bank (Sr. No. 4 (i)).

4. KYC of the surviving unit holders, if not already available.

Annexure I – Bank Details

(Page No. 74)

Transmission to registered nominee/s in case of death of Sole or All unit holders

1. Letter from claimant nominee/s to the Fund / AMC / RTA requesting for transmission of units,

2. Death Certificate/s in original or photocopy duly notarized or attested by gazette officer or a bank manager,

3. Bank Account Details of the new first unit holder as per Annexure I along with attestation by a bank branch manager

OR

Bank details on plain paper duly signed by the Unit holder along with the signature of the claimant duly verified (This can be verified by the Bank where such claimant holds an account) and along with one of the supporting document listed under procedure for change in bank (Sr. No. 4 (i)).

4. KYC of the claimant/s,

If the transmission amount is ₹ 1,00,000/- or more:

Request letter from Nominee

(Page No. 75)

Annexure I – Bank Details (Page No. 74)



Indemnity duly signed and executed by the nominee/s - Annexure II. (To be Executed on-judicial Stamp paper of ₹ 200/-). KYC acknowledgement address should match with the address mentioned in the Indemnity Bond.

Annexure II – IB from Nominee

(Page No. 76)

Transmission to claimant/s, where nominee is not registered, in case of death of Sole or All unit holders

1. Letter from claimant/s to the Fund / AMC / RTA requesting for transmission of units,

2. Death Certificate/s in original or photocopy duly notarized or attested by gazette officer or a bank manager,

3. Bank Account Details of the new first unit holder as per Annexure I along with attestation by a bank branch manager.

OR

Bank details on plain paper duly signed by the Unit holder along with the signature of the claimant duly verified (This can be verified by the Bank where such claimant holds an account) and along with one of the supporting document listed under procedure for change in bank (Sr. No. 4 (i)).

4. KYC of the claimant/s,

5. Indemnity Bond from legal heir/s - Annexure III (To be Executed Non-judicial Stamp paper of ₹ 200/-). KYC acknowledgement address should match with the address mentioned in the Indemnity Bond.

6. Individual affidavits from legal heir/s - Annexure IV. (To be Executed Non-judicial

Stamp paper of ₹ 300/-). KYC acknowledgement address should match with the address mentioned in the Indemnity Bond.

7. Transmission value less than ₹ 1,00,000/- : Document evidencing relationship of the claimant/s with the deceased unit holder/s.

8. If the transmission value is ₹ 1,00,000/- or more: Any one of the documents mentioned below:

Request letter from Legal Heir

(Page No. 77)


Annexure III – Indemnity Bond (Page No. 78)

Annexure IV – Affidavits (Page No. 80)



a. Notarized copy of Probated Will, OR

b. Legal Heir Certificate or Succession Certificate or Claimant’s Certificate issued by a competent court, OR

c. Letter of Administration, in case of Intestate Succession.

Transmission in case of HUF, due to death of Karta

HUF, being a Hindu Undivided Family, the property of the family is managed by the Karta and HUF does not come to an end in the event of death of the Karta. In such a case, the members of the HUF will appoint the new Karta who needs to submit following documents for transmission: 1. Letter Requesting for change of Karta,

2. Death Certificate in original or photocopy duly notarized or attested by gazette officer or a bank manager,

3. Duly certified Bank certificate stating that the signature and details of new Karta have been appended in the bank account of the HUF - Annexure I

4. KYC of the new Karta and KYC of HUF, if not already available.

5. Indemnity bond signed by all the surviving coparceners and new Karta - Annexure V. (To be Executed on-judicial Stamp paper of Rs.200/-). KYC acknowledgement address should match with the address mentioned in the Indemnity Bond.

6. In case of no surviving co-parceners OR the transmission amount is ₹ 1,00,000/- or more OR where there is an objection from any surviving members of the HUF, transmission should be effected only on the basis of any of the following mandatory documents:

a. Notarized copy of Settlement Deed, OR

b. Notarized copy of Deed of Partition, OR

c. Notarized copy of Decree of the relevant competent Court

Request Letter from Karta (Page No. 82)


Annexure V – Indemnity Bond (Page No. 83 )

Transmission Documents Matrix – Ready Reckoner



Note :

1. The KYC for nominee/legal heir is not required, when there is a transmission-cum-redemption request.

2. It is clarified that PAN card copy or another proof of identity of claimant/s is not required separately if KYC acknowledgement issued by CVL is made available.

3. Where the units are to be transmitted to a claimant who is a minor, various documents like KYC, PAN, Bank details, indemnity should be of the guardian of the nominee

4. In the event of demise of the Karta, only Karta will be changed. The name of the HUF firm remains the same.


26. Lien : Loan Against Units : Pledge / Unpledge Units 1. It’s a facility offered to the investors where in they can pledge the MF units in favour of a bank or funding agency for a loan.

2. The Lien is marked at units level (Not in terms of amount since NAV per unit keeps fluctuating) .

3. Principal and interest payments of the loan would be done directly by the investor to the disbursing agency and the Fund would not be responsible for

defaults.

4. The disbursing agency can send a request letter (format attached) addressed to the Fund for creating lien on the units (already allotted earlier) along with

the letter from the investor addressed to the Mutual Fund agreeing to the creation of lien against the units.

5. On receipt of the letter, the units will be pledged in favour of the bank, every redemption pay out will be made in favour of the disbursing agency unless

specified otherwise.

6. The Registrar would mark a lien against the units of the investors (who have availed of the finance against units) and inform the investors through the

account/transaction statement and also the disbursing agency that the lien has been created

7. If mutually agreed upon by the investor with the disbursing agency, the dividends (any other Corpus benefits) would be paid to the investor. Else, any

dividends or benefits accrued to him may be directly paid to the disbursing agency. The same agreement should be communicated properly in the “Letter of Authority for Lien” to the Fund.

8. On full payment by the investor to the disbursing agency of the financing amount availed of, the same would be communicated by both the investor and

the disbursing agency to the Fund/Registrar for removing the lien. 9. The tenor of financing would be mutually agreed to between the investor and the disbursing agency. 10. In case of failure on the part of the investor to make payment the disbursing agency of the funds can invoke the lien by sending a request duly to the Fund.


Registration of Pledge/ Lien Request letter from the pledger (unit holder/s)

Request letter from pledgee/ Disbursing Agency (i.e. banker/financier) on their

Lien Format



letter head (format attached)

KYC of pledger (unit holder/s) and pledgee (i.e. banker/financier)

ASL of pledgee (i.e. banker/financier, in case not obtained earlier.

(Page No.110)

Revocation of Pledge/ Lien Letter from the pledgee/Disbursing Agency (i.e. banker/financier)

Invocation of Pledge / Lien

Unpledge Letter from the pledgee (i.e. banker/financier) on their letter head with the

payment details, which needs to be time stamped. Partial Lien Invocation is also allowed.

Early Repayment of Loan

Letter from pledger ((unit holder/s)

Confirmation Letter from Pledgee.


27. Insurance:

The Insurance Scheme covers the unit holders of Tax Savings and Personal Tax Saver Scheme under the Personal Accident Insurance. Death by accident only.

Principal Tax Savings Fund - Free Accidental Death Insurance upto ₹ 5,00,000/-. Sum insured per unit holders is as per the level of investments, there are no risk factors, and the details are given below:

Level of Investment Sum Assured Per unit holder

₹ 500 to ₹ 6000 ₹ 100,000

₹ 6001 to ₹ 11,000 ₹ 300,000

Above ₹.11, 000 ₹ 500,000

Principal Personal Tax Saver Fund - Free Accidental Death Insurance 150 the number of units to a maximum of ₹ 1,00,000/-.

The claim will be settle with ICICI Lombard General Insurance Company Limited under Policy No: 4005/64241258/00/000 and 4005/64241928/00/000 under Principal Tax Savings Fund and Personal Tax Saver Fund w.e.f 1.4.2011.

All the below documents should be attested by the Notary/Gazetted Officer/Magistrate, which should be directly sent to the Insurance Company along with the documents for settlement of claim:

1. Completely filled PA Claim Form (Page No. 106) 2. Attested Copy of FIR 3. Attested Copy of Post Mortem Report 4. Attested Copy of Death Certificate 5. Attested Copy of Spot Panchnama 6. In addition to above mentioned documents, additional documents may be asked as per requirement of the case details.

Please note that the intimation of death should be given to the ICICI Lombard General Insurance Company Limited within one month (30 days) from the date of demise of the first unit holder in order to claim the amount. If investor want any clarification, they can send the mail at [email protected].

mailto:[email protected]


28. Online transaction Services:

Manage portfolio online

Transact Online

New Purchases Additional Purchase Redemption Switch Change profile details Change investment bank details

Subscribe to periodic NAV and account statement alerts

To transact online, investor would require Principal User ID, Password and IPIN and after creating a user name and password investor need to visit our website for the detailed steps to register/apply for a PIN.

Investor need to fill PIN form (Page No. 103) and send it to us. On the receipt of the same we would send the PIN in a sealed envelope at investor’s registered address. Once investor receive the PIN, he can start using the website for query/transacting online.

Please note that if investor is investing first time in in Principal Mutual Funds, he need to fill up the physical application form along with the cheque in favour of Principal Mutual Fund. Once you have obtained the common account number you need to follow the below steps, for online transactions.


29. Third Party Payment Please find the clarifications regarding registration of bank mandate for subscriptions and redemptions:

Subscriptions: 1. The investor can give subscription only from the bank account registered with us. An individual investor can register upto 5 bank accounts whereas corporate

investors can register up to 10 bank accounts 2. The investors must make subscription from one of the bank accounts registered with us. 3. For registration of bank account the investor must fill up the form and submit the Copy of any one of the following documents at the nearest ISC

A cancelled cheque leaf with the investors name and account number printed on the same

Bank Statement/Pass book with account number name and address (Copy to be attested by Bank Manager)

Bank letter/Certificate on banks letterhead duly certified by the bank Manager with his full name, signature and employee code certifying the account Holder’s name, account number and branch address.

The original must be submitted with the application form for verification and the same will be returned to the investor across the counter after verification

4. In case of subscriptions from joint bank account, the first name as per our records should be one of the joint holders in the bank account.

5. There can be subscription by third party payments only in the following instances

Payment by parents/grand parents on behalf of minor child

Payment by employer on account of SIP through payroll deduction

Custodian on behalf of FII or a client

We need the following documents for third party payments

KYC of the guardian/person making the payment

The third party declaration by the person making the payment and the investor as per the prescribed format giving details of the bank account from which the payment is made and the relationship with the beneficiary


6. In case of payment through pay order, demand draft, bankers cheque, we need a certificate from the issuing banker stating the account holders name, and bank

account which has been debited or a certificate giving the name, address and PAN of the person who has requested for the demand draft 7. In case of payment by NEFT/RTGS/ECS/bank transfer the copy of the instruction to the bank showing the account number debited must be submitted 8 Proprietors cannot make investments in firm name by giving cheque from individual account and vice versa. Redemptions/dividends 1. Investor can select any one of the registered bank account for the purpose of getting the redemption/dividend amount.

2. Investor has to select any one of their bank account as the default account for getting the dividend/redemption amount

3. The change in bank mandate submitted along with the redemption request will be considered only if the same has been earlier registered with Karvy. Hence please

note that a new bank account cannot be intimated along with a redemption request.


Individual Third Party Declaration Form” from the Investor and the related person making the payment, giving details of the bank account from which the payment is made and in the declaration form relationship with the Beneficiary Investor(s).

KYC Acknowledgement Letter for Investor.

KYC Acknowledgement Letter of the related Person making the payment.

Declaration Form : Payment By

Parent Grand Parent And Related Person

(Page No. 100)

Minor “Third Party Declaration Form” from the Guardian and the person making the payment, giving details of the bank account from which the payment is made and in the declaration form relationship with the Beneficiary Investor(s) i.e Minor.

KYC Acknowledgement Letter of Guardian.

KYC Acknowledgement Letter of the Person making the payment.

Declaration Form : Payment By

Parent Grand Parent And Related Person

(Page No. 100)

https://www.principalindia.com/downloads/PaymentByParentGrandParentAndRelatedPerson.pdf

https://www.principalindia.com/downloads/PaymentByParentGrandParentAndRelatedPerson.pdf



Custodian on behalf of Client Or FII : “Third Party Declaration Form” from the Custodian on the letter head of Custodian making the payment, giving details of the bank account from which the payment is made and to be mentioned the Custodianship relation with the Beneficiary Investor(s) with stamp & signature by Authorized signatory.

KYC Acknowledgement Letter of Custodian.

KYC Acknowledgement Letter of Investor.

Declaration By Custodian (Page No. 98)

Payment by Employer on behalf of Employee / s under Systematic Investments Plans through Payroll deductions

“Third Party Declaration Form” from the Employer on Company letter head for making the payment, giving details of the bank account from which the payment is made and to be mentioned the with the list of Employee’s with Company’s stamp & signature by Authorized signatory..

List of Employees with Code and signature authorizing such payroll deduction

KYC Acknowledgement Letter of the Employer

KYC Acknowledgement Letter of the Employee(s)

Declaration By Employer

(Page No. 99)

Subscription made by Demand Draft / Pay order/Bankers Cheque issued against debit to investor’s bank account

Where an investor subscribes for units vide a DD issued by way of debit to his / her bank account, fund houses may now accept any one of following :

A proof of debit to the investor’s bank account in the form of a bank manager's certificate with details of account holder’s Name, bank account number and PAN as per bank records, if available.

A copy of the acknowledgement from the bank, wherein the instructions to debit carry the bank account details and name of the investor as an account holder are available.

A copy of the passbook/bank statement evidencing the debit for issuance of a DD The above will be a valid supporting document in such subscriptions

Declaration By Bank Against Bank

Account (Page No.96)

Payments towards subscription of Units - DD issued by bank against

In such instances, a banker’s certificate for issuance of a DD against cash that also states the investor’s Name, bank account number and PAN as per bank record, if available, is a

Declaration By Bank Against Cash

https://www.principalindia.com/downloads/DeclarationByCustodian.pdf

https://www.principalindia.com/downloads/DeclarationByEmployer.pdf



cash: must. However, it must be ensured for both the examples as shown above, that such bank account number of the investor is the same as the / one of the registered bank account mandate(s) with the fund or the bank details mentioned in the application form.

(Page No. 97)


30. Information & Procedure for Redeemed Schemes

Pursuant to requisite SEBI approval certain schemes of PNB Mutual Fund (PNB MF) were taken over and/or merged with pre-existing select schemes of Principal Mutual Fund (PMF) in April’ 2004. These schemes also included certain redeemed schemes of PNB MF and below mentioned schemes were part of such redeemed Scheme. 1. PNB Equity Growth Fund - 1993 matured in March 2003 and subsequent to the merger and takeover of the said scheme the revised folio number was allotted to

investor.

The maturity value of the units (being ₹ 8.57 per unit - ‘frozen NAV’) under the folio are payable on the surrendering of the unit certificates, issued under this scheme. 2. PNB Regular Income Plus Scheme - Growth Plan - 1990 matured in September 1996 and subsequent to the merger and takeover of the said scheme the revised folio

number was allotted to investor.

The maturity value of the units (being ₹ 91.87 per unit - ‘frozen NAV’) under the folio are payable on the surrendering of the unit certificates, issued under this scheme.

3. PNB Rising Income Plus Scheme - 1994 matured in October 2001 and subsequent to the merger and takeover of the said scheme the revised folio number was

allotted to investor.


4. PNB Equity Linked Savings Scheme - 1991 matured in March 2001 and subsequent to the merger and takeover of the said scheme the revised folio number was

allotted to investor.


As per the scheme features of PNB Equity Linked Savings Scheme - 1991, there will be a TDS deduction of 20% from the maturity amount payable. 5. PNB Equity Linked Savings Scheme 1992 matured in March 2002. The New folio number is not allotted for the said schemes. Hence account statement will not be

generated for the said schemes.



As per the scheme features of PNB Equity Linked Savings Scheme - 1992, there will be a TDS deduction of 20% from the maturity amount payable. 6. PNB Premium Plus 1991 matured in March 2002. The New folio number is not allotted for the said schemes. Hence account statement will not be generated for the

said schemes. The maturity value of the units (being ₹ 8.08 per unit - ‘frozen NAV’) under the folio are payable on the surrendering of the unit certificates, issued under this scheme.

: Redemption procedure :

We require the following documents to redeem the units from above mentioned scheme duly signed as per mode of holding.

Original unit certificates

Common transaction form (Page No. 64) or the transaction slip forming part of the Account Statement duly signed by all the account holders, quoting folio

number. (Annexure-1)

Unit holder’s current address.

Unit Holder’s Bank account details along with a cancelled cheque leaf of the same bank account. (Annexure-I) : Page No. 76

Please note that :

i) In event of death of unit holders, we required relevant documents as per Transmission Procedure.

ii) if you received the redemption request (the above mentioned documents) for PNB Equity Growth Fund - 1993 , PNB Regular Income Plus Scheme - Growth Plan - 1990 , PNB Rising Income Plus Scheme - 1994 PNB Equity Linked Savings Scheme - 1991 , kindly handed over the said transactions after time stamping to Local Karvy along with a print out of the excel list details in two copies. Acknowledgement from Karvy should be obtained in one copy and filed with the branch.

iii) If you received the redemption request (the above mentioned documents) PNB Equity Linked Savings Scheme 1992 and PNB Premium Plus 1991 kindly dispatch the said transactions after time stamping to New Delhi – AMC and also send the DTR to [email protected].

The redemption request will be processed after following the standard verification process and release your redemption proceeds as per NAV detailed above at Karvy and MAS’s end.


31. Trigger:

Trigger is an event on happening of which the Fund will automatically redeem and/or switch the units on behalf of the investors on the date of happening of the event. A trigger will activate a transaction/alert when the event selected for, has reached a value greater or less than the specified particular value (trigger point). One can opt for trigger option in any of our equity funds for fresh as well as existing investments in our Funds .The various parameters for the trigger are given below. We offer two facilities under this, first is “Trigger” wherein a transaction happens when the trigger is reached & the other is “Alerts” wherein , no transaction is done but only an alert message is sent to the unit-holder (this facility is unique in the MF industry & presently offered only by us) How is a Trigger useful in financial planning? This helps the unit holders to minimise the loss and/or timely book the profits. Also trigger is an additional facility provided to the unit holders to save time on completing the redemption/switch formalities on happening of a particular predetermined event. Who sets/ defines the trigger? The Unit Holder has to set the Trigger. Who executes the Trigger? The AMC will execute the trigger on the unit holder's behalf. How does the Trigger work? Consider the following example: Mr. A bought some units and the NAV on the date of allotment is ₹ 12. Now if Mr. A decides that he wants to redeem all his units when the NAV reaches ₹ 13 he has to keep track of the NAV daily and then send a redemption request within a stipulated time period to get the redemption returns at the NAV of the intended day. Now instead of keeping a track of the NAV everyday and keep to the timeline, Mr. A can set a Trigger: To redeem all units when NAV is ₹ 13 or more. Now the AMC will keep track on behalf of Mr. A and redeem his units for him, on the day when the NAV reaches ₹ 13 or more. Thus Trigger provides a convenient and useful financial planning tool.


What are the different kinds of triggers available to the investor? The various types of Triggers available to the investor are

When value of investment of the unit holder reaches or crosses a particular value

Capital appreciation of a particular amount

NAV reaches or crosses a particular value

On a particular day or date

Change in the value of units held by unit holders at least by certain percentage

Capital appreciation of atleast certain percentage

Change in the NAV by atleast a certain percentage What are the various options available to the investor on the day of activation of the Trigger? On the day of the happening of the event the investor can choose from the following options

Full redemption

Redemption to the extent of capital appreciation only

Full switch into other schemes of Principal Mutual Fund

Switch of only gains into other schemes of Principal Mutual Fund

Full Redemption with original investment amount reinvested in any scheme of Principal Mutual Fund and gains paid to unit holder


Full redemption with gains reinvested in any scheme of Principal Mutual Fund and original Investment amount paid to unit holder

Redemption of certain number of units

Redemption of certain amount

Switch of certain number of units

Switch of certain amount Will the intra-day prices be considered for transactions on the day of the activation of the Trigger? No, all redemptions/switches/reinvestments etc. linked to triggers will always be at the applicable NAV based prices of the day on which the event occurs. What is the base for activation of the Trigger? Value of the unit holder's unit balance at the end of a relevant business day based on that day's NAV and closing value of a relevant index of a stock exchange would be used as a base for activating the triggers. For capital appreciation/ NAV calculation, which value/NAV will be considered for comparison? For all the predetermined events i.e. the value of the unit balance, capital appreciation, NAV, will be compared with the value of units, NAV, prevailing on the date of investment (i.e. date of allotment) irrespective of the fact whether the trigger is opted on the date of allotment of investment or subsequently How is the application for a trigger made? The application for a trigger is made by submitting the duly filled and signed Trigger application form, and also on the www.principalindia.com website Can a trigger once activated be set again? A trigger once activated and transaction made, becomes inactive. A new application for activation of the same has to be made. Can a set trigger be modified?


Yes, the same can be done by submitting a duly filled and signed application form Is there a limit on number of triggers that can be set? One trigger per transaction can be set. Hence the number of triggers and transactions is at the investor's discretion. How is the investor informed about the activation of the trigger? The investor is informed about the activation and the subsequent transaction through the account statements. Note: Trigger is a facility which is available in the schemes of Principal Mutual Fund. Trigger is not an assurance on part of AMC/Fund to the investor that investor will receive a particular amount of money/appreciation and/or percentage on redemption or will get a particular amount of capital appreciation or will minimise the loss to investor to a particular amount or percentage. Trigger Form (Page No. 104)

(For

exis

ting u

nit

hold

ers

only

)

1. Additional Purchase (Refer Instruction No. 3 to 8 overleaf)

TRANSACTION CHARGES FOR APPLICATIONS THROUGH DISTRIBUTORS/AGENTS ONLY [Refer Instruction No.13]

In case the subscription amount is ` 10,000/- or more and the Distributor has opted to receive

Transaction Charges, `100/- (for investor other than first time mutual fund investor) will be deducted

from the subscription amount and paid to the Distributor. Units will be issued against the balance

amount invested.

INVESTMENT DETAILS: I/We want to make additional purchases in:

Scheme

Plan Option/Facility

Cheque/DD/PO/RTGS/NEFT No. for `

dated from Bank A/c No.

Drawn on/Payment from Bank & Branch

DD Charges ` Gross Amount# ` (in figures)

Gross Amount# ` (in words) #Cheque/DD + DD Charges

Sole/First Holder : PAN* KYC Acknowledgement Letter*

Second Holder : PAN* KYC Acknowledgement Letter*

Third Holder : PAN* KYC Acknowledgement Letter*

Common A/c No.: Date : [* indicates - Refer overleaf]

5. Email / SMS Services

I/We wish to receive following communication over E-mail:

Account Statement Newsletter Annual Report Other Statutory Returns/Information

E-mail :

I/We wish to receive updates via SMS on my/our Mobile. Cell No. :

4. Change of Address/Telephone Number/Fax Number/E-mail Address (Please Refer Instruction No. 14 overleaf)

New Details:

New Address :

City Pin State

Tel No.: Off.: Resi.: Cell:

Fax : E-mail :

COMMON TRANSACTION FORMPrincipal Pnb Asset Management Company Pvt. Ltd.Exchange Plaza, ‘B’ Wing, Ground Floor, NSE Building, Bandra Kurla Complex,

Bandra (East), Mumbai-400 051.

Toll Free - 1800 425 5600 I Fax: 91-22-6772 0511 I Website: www.principalindia.com

Broker Code :

Broker Name :

Sub-Broker Code :

Upfront commission shall be paid directly by the investor to the AMFI registered Distributors basedon the investors’ assessment of various factors including the service rendered by the distributor.

DISTRIBUTOR INFORMATION

MANDATORY

Signature of Sole/First Unitholder/

POA Holder/Guardian

Signature ofThird Unitholder/

POA Holder

Signature ofSecond Unitholder/

POA Holder

I/We have read and understood the contents of the Statement of Additional Information and Scheme Information Document of the respective Scheme(s). I/We have requested transaction(s)/modification(s) as stated herein and agree to abide by the termsand conditions of the respective scheme(s)/Plan(s)/Option(s). I/we will also inform Principal Mutual Fund of any changes in my/our account details. I/We have read and understood the provisions on Third Party Payments and confirm that the payment forthe subscription application has been made from my/our Account or from such accounts as permitted by SEBI/AMFI and necessary declarations and documents as mandated herein has been provided for the mode of payment.

I/We further confirm that the ARN Holder (Broker/sub-Broker) has disclosed to me/us all the commissions (in the form of trail commission or any other mode) payable to him for the different competing schemes of various Mutual Funds from amongst whichthe Scheme(s) has been recommended to me/us. I/we further understand that the contents hereof form an integral part of the main application form.

Information & Instructions for all the schemes of Principal Mutual Funds is given overleaf.

(In case of Joint Holders, all Unit Holders must sign)

Details of the Payer (In case First Unitholder is not one of the Account holder(s) of the Bank A/c. mentioned herein)

Parent/Guardian/Related person:

Employer:

Custodian:

Please enclose relevant documents as indicated below as per the Mode of Payment: (Enclosed please �)

• RTGS / NEFT / ECS / Bank Transfer - Instruction to the Bank from the Unitholder to Debit the Account.

• DD / Pay order / Banker’s Cheque and the like - Declaration / Acknowledgement from Bank

Copy of Passbook / Bank Statement

(Enclosed please �)

KYC acknowledgement letter

Declaration of the Bank A/c

Name

Name

Name

3. Switch

I/We would like to switch units or ` (in figures)

` (in words)

From : Scheme


To : Scheme


(Please Refer Instruction No. 11 overleaf)

2. Redemption

I/We want to redeem units or ` (in figures)

` (in words) from

Scheme


(Please Refer Instruction No. 2 & 6 overleaf)

[Note: In case of redemption application submitted along with a Change of Bank Mandate (new and unregistered), the new bankaccount shall not be considered for payment of redemption proceeds, unless and until it is registered in the records of R&T.]

Scheme Option Initial Investment Minimum Additional Purchase/ Redemption/(`) Investment Switch in Switch out

(`) Cut-off Cut-off

Instructions and Information

Principal Global Growth & ` 10,000 and any amount ` 5,000 and any amount 12.30 pm 12.30 pmOpportunities Fund Dividend thereafter under each option thereafter under each option

Principal Cash Management Growth & ` 5,000 and any amount ` 1,000 and any amount 2.00 pm^ 3.00 pmFund Dividend thereafter under each option thereafter under each option

Principal Retail Money Growth & ` 5,000 and any amount ` 1,000 and any amount 2.00 pm^ 3.00 pmManager Fund~ Dividend thereafter under each option thereafter under each option

Principal Near-Term Fund - Growth & ` 5,000 and any amount ` 500 and any amount 3.00 pm@ 3.00 pmModerate Plan Dividend thereafter under each option thereafter under each option

Principal Near-Term Fund - Growth & ` 5,000 and any amount ` 500 and any amount 3.00 pm@ 3.00 pmConservative Plan Dividend thereafter under each option thereafter under each option

Principal Ultra Short Growth & ` 5,000 and any amount ` 1,000 and any amount 3.00 pm@ 3.00 pmTerm Fund Dividend thereafter under each option thereafter under each option

Principal Income Fund - Growth & ` 5,000 and any amount ` 500 and any amount 3.00 pm@ 3.00 pmLong Term Plan Dividend thereafter under each option thereafter under each option

Principal Income Fund - Growth & ` 5,000 and any amount ` 500 and any amount 3.00 pm@ 3.00 pmShort Term Plan Dividend thereafter under each option thereafter under each option

Principal Government Growth & ` 5,000 and any amount ` 500 and any amount 3.00 pm@ 3.00 pmSecurities Fund Dividend thereafter under each option thereafter under each option

Scheme Option Initial Investment Minimum Additional Purchase/ Redemption/(`) Investment Switch in Switch out

(`) Cut-off Cut-off

10. Folios Held on behalf of Minor - Effective the date of Minor attaining Majority, no financial and non-financial transactions including fresh registration ofSystematic Investment Plans (SIPs), Systematic Transfer Plans (STPs), Systematic Withdrawal Plans (SWPs) etc. shall be permitted, till such time a dulyfilled in “Service Request Form” along with mandatory enclosures are duly received at the OPT and status of the Folio/Account is updated from “Minor”to “Major” by the AMC/Registrar.

11. In case of switch, the present value of investment in the scheme from which the switch-out is requested should be > = to the minimum investment /minimum additional investment requirement of the scheme into which the investment is proposed to be switched in.

12. If the broker name and code is left blank, the application shall be treated as Direct.

13. Transaction Charges(TC): TC of ` 100/- per subscription of ` 10,000 and above will be deducted from the subscription amount and paid to theDistributor / Agent (who has opted to receive TC) of the investor and the balance shall be invested. TC shall not be deducted for: (a) purchases/subscriptions for an amount less than ` 10,000/-; (b) transaction other than purchases / subscriptions relating to new inflows such as Switch/ Systematic Transfer Plan / Sweep facility under the Dividend Option of the Scheme(s) etc.; (c) purchases/subscriptions made directly withPMF (i.e. not through any Distributor / Agent); (d) transactions routed through Stock Exchange route. Statement of Account issued to suchInvestors shall state the net investment as gross subscription less transaction charge and mention the number of units allotted against the netinvestment. Further, upfront commission to Distributors / Agents shall continue to be paid by the Investor directly to the Distributor / Agent bya separate cheque based on his assessment of various factors including the service rendered by the Distributor / Agent.

14. In case of investors who have furnished their KYC acknowledgement letter and may thereafter wish to furnish a request for any change in address,should send such a request along with proof for new address to any Point of Service Centre of CDSL Ventures Limited for doing the needful.

For Application Forms / Declaration Formats / Bank Account Registration Form and other details refer our website www.principalindia.com or visit ourInvestor Service Centre. Further, any Customer queries, please contact our Toll Free No. 1800 425 5600 between 7.00 am to 11.00 pm from Monday-Saturday.

* It is mandatory for all existing and prospective Investors (including joint holders, guardians and NRIs) to submit PAN card copy and copy of Know YourCustomer Acknowledgement letter (KYC Letter) issued by CDSL Ventures Limited alongwith this Form. Investments through Micro Systematic InvestmentPlans (Micro SIPs) by Individual investors not holding PAN and Investors residing in Sikkim, shall continue to remain exempt from providing KYC Letter, onsubmission of a duly attested Copy of Valid Identification Document and Proof of Address.

1. Before investing, please refer the Scheme Information Document (SID) of the respective scheme(s) alongwith Statement of Additional Information andaddendums issued from time to time.

2. For redeeming units, in case the balance in your account does not cover the amount of the request, the account shall be closed and the entire such(lesser) amount shall be sent to you. The redemption proceeds shall be credited to the default Bank account registered with the AMC.

3. The additional purchase amount should be >= Minimum Investment / Minimum Additional Investment amount.

4. All payment instruments should be drawn in favour of “Name of the Scheme A/c First Investor Name” OR “Name of the Scheme A/c PermanentAccount Number” OR “Name of the Scheme A/c Folio Number” and crossed “A/c Payee only”.

5. The first unit holder should be one of the Bank Account Holder from which the payment for subscription is being made. Purchase application requests shouldmandatorily mention the payment details i.e. account number, bank and branch name of the bank account used for issuing the payments to the fund.

6. Investors have the facility to register Multiple Bank Accounts - upto 5 in case of Individuals and upto 10 in case of non-individuals, by filling up andsubmitting the “Bank Account Registration Form” at any of the Official Point of Acceptance (OPT). In case of payments received from a Bank Accountwhich is not registered and the first unitholder's name is not preprinted on the payment cheque, unit holder should mandatorily attach supportingdocuments as required by the fund, like bank certificate, bank passbook copy or statement to prove that the funds are from a bank account held by firstunit holder only. If the documents are not submitted with the application, the fund reserves the right to reject the application without any liabilitywhatsoever or call for additional details, at its discretion.

7. In specific exceptional situations where Third Party payment is permitted like (i) Payment by Parents / Grand-Parents / Related persons on behalf of aminor (other than registered guardian) in consideration of natural love and affection or as gift for value not exceeding ` 50,000 for each purchase,(ii) Payment by an Employer on behalf of Employee under Systematic Investment Plans or lumpsum / One time subscription through Payroll deductionsor (iii) Custodian on behalf of an FII or a client – KYC acknowledgment letter of the investor and the KYC of the person making the payment is mandatoryirrespective of any amount of investment. Additionally, a joint declaration is also required to be submitted.

8. In case of payment through RTGS/NEFT/ECS/Bank Transfer and the like, Unitholder should mandatorily attach the Instructions provided to the Bankstating the account number to be debited. In case of Prefunded Instrument viz. Pay order / Demand Draft/ Banker's Cheque and the like, a certificatefrom the Bank stating the Name of the Account holders and Account Number which has been debited to issue such instrument OR a copy of acknowledgementfrom the Bank wherein the instructions to debit the Investor's bank account and name of the Investor as an account holder are available OR copy of passbook/bank statement evidencing the debit for issuance of a Demand Draft / Pay Order must be enclosed. Further, in case of prefunded Instrument viz.Pay Order / Demand Draft issued against cash (acceptable for less than ` 50,000/- only), a certificate from the Bank stating the Name, Address, BankAccount No. and PAN (if available) of the person who has requested for the Instrument must be enclosed.

9. If you have selected the Dividend Option, please mention the Facilities (i.e. Payout / Reinvstment / Sweep / Accumulation / Auto Earnings Payout)wherever available in the Scheme(s) / Plan(s). In case the same is left blank, the default option/facility as provided in the SID of the respectiveScheme(s) shall be considered and application shall be processed accordingly.

SCHEME – RECKONER

The above is subject to change/modification at any time purely at the discretion of Principal Mutual Fund without assigning any reason or prior notice

Principal Debt Savings Fund - Growth & ` 5,000 and any amount ` 500 and any amount 3.00 pm@ 3.00 pmMonthly Income Plan $# and Dividend thereafter under each option thereafter under each optionRetail Plan #~

Principal Tax Savings Fund~~ – ` 500 and any amount ` 500 and any amount 3.00 pm 3.00 pmand Principal Personal thereafter thereafterTax Saver Fund#

Initial Investment Amount ` 5,000 and Additional Investment Amount ` 500 in the following Schemes and Cut-off time being 3 pm:- Principal GrowthFund, Principal Dividend Yield Fund, #Principal Large Cap Fund, Principal Services Industries Fund, #Principal Emerging Bluechip Fund, ~Principal RetailEquity Savings Fund, Principal Balanced Fund, Principal Index Fund and Principal SMART Equity Fund. All the schemes offer Growth and Dividend Options.^Allotments in respect of purchase/switch-in, are subject to receipt of valid application/ switch-in request at the Official Point of Acceptance ofTransactions (OPT) AND credit of entire subscription/ switch-in amounts in the Bank Account of the concerning Scheme(s)/Plan(s) AND fundsavailable for utilization by the Scheme(s)/ Plan(s) within relevant cut-off time as specified herein.@ Allotments in respect of purchase/switch-in for an amount equal to or more than ` 1 crore are subject to receipt of valid application/switch-inrequest at the OPT AND credit of entire subscription/switch-in amounts into the Bank Account of the concerning Scheme(s)/Plan(s) AND fundsavailable for utilization by the Scheme(s)/Plan(s) within relevant cut-off time, being 3.00 p.m.$ An open-ended fund. Monthly Income is not assured and is subject to the availability of distributable surplus.~ Subscriptions (by way of purchase / switch in or in any mode) is restricted only for individual investors (including HUFs, Association of Persons & where anindividual is an ultimate beneficiary). Further, (a) Daily & Weekly Dividend Option and under the Payout & Sweep facility to Monthly Dividend Option underPrincipal Retail Money Manager Fund (b) Dividend Option under Principal Debt Savings Fund - Retail Plan and (c) Dividend Option under Principal Retail EquitySavings Fund, are not available for subscription/Switch-in. ~~ Fresh sale of units (by way of purchase/switch in) is suspended under the scheme# The schemes have been admitted on the order routing platform of NSE w.e.f. April 19, 2010, enabling investors to submit applications forsubscription and redemption thereunder.

NOMINATION

Investors who may have not as yet appointed a Nominee for their Investments, are advised to appoint their nominee(s).All that needs to done, is to submit a duly filled-up Nomination Form at the OPT nearest to you. A nominee is entitled toreceive units allotted to the unitholder; in the event of unfortunate demise of a unitholder. Failure to appoint a nominee,could involve a complex and a more time consuming procedure for transmission/redemption of units. Nomination Formscan be procured from any of our OPTs or downloaded from www.principalindia.com.

Date : To, Principal Mutual Fund ___________________

Dear Sir,

Subject: Change in Account Information

Ref.: Folio No. : Name : ____________________________________________

With reference to the above account, I/we, as account holder’s, would request you to update following details in your rec-ords.

Please tick ()

Change in Name* : Name -

Documents attached

• Copy of Government Gazette duly attested/notarized

• Copy of PAN Card and KYC reflecting new name

Change in Name after marriage* : Name -

Documents attached

• Copy of Marriage Certificate duly attested/notarized


* If signature is also changed, kindly submit the signature duly attested by the bank.

Change in Company Name : Name -

Documents attached

• Copy of Registrar of Companie’s certificate for change in name.

• Copy of MOA, ASL, Board Res-olution & Artical of Association


Correction in Name : Name -

Documents attached

Letter from the bank from which subscription was made.

Change/Updation of Assignee Name : Name -

Change/Correction in Contact Number : Contact No. -

Change/Correction of E-mail Id : E-Mail ID -

Change in Mode of Holding :

Joint

Anyone or Survivor

Thanking you Yours truly

Signature of

Sole/1st

Unitholder/POA Holder Signature of

2nd

Unitholder/POA Holder Signature of

3rd

Unitholder/ POA Holder

This request can be submit at the nearest service location.

Date …………………………

Change of Address/Telephone Number/Fax Number/E-mail Address

Folio Number(s) Name of the Unitholders

1st

Unitholder

2nd

Unitholder

3rd

Unitholder

KYC Compliant (Please )

Yes No

With reference to the above account I/We, as account holder/s, would request to update my details for this folio number as mentioned below:

My Address *

……………………….……………………………………………………………………………………………………………………………

…………………….……………………………………………………………………… City : …………………………………………….

Pin Code : ……………………………………………………….. State: ……………………………………………………………..

Land Line No. Mobile No.:

E-mail address

Email / SMS Services :

I/We wish to receive following communication over E-mail:

Account Statement Newsletter Annual Report Other Statutory Returns/Information

/We wish to receive updates via SMS on my/our Mobile

All other details vis-à-vis the referred Folio(s), as on the records of the AMC/Registrar shall be considered accurate and complete, unless otherwise appropriately/suitably communicated by the unit holder. #Attach any one of following for Proof of Address (POA) and Proof of Identity (POI) as mentioned above (Please ) :

Proof of Address : Utility bills (Not more than 3 months old)

Telephone Bill (only land line) Electricity bill Gas bill Bank Account Statement/Passbook

Proof of Identity :

Copy of PAN Card Unique Identification Number (UID) (Aadhaar) Passport Voter ID card Driving license

[In case of photo copies, kindly bring present the originals for verification or copy should be attested by the Bank]

Thanking you,

Yours sincerely,

Signature of 1st

Applicant Signature of 2nd

Applicant Signature of 3rd

Applicant

This request can be submit at our nearest Investor Service Location.

Date …………………………

Change/Updation/Confirmation of Bank Details


1st

Unitholder

2nd

Unitholder

3rd

Unitholder

With reference to the above account I/We, as account holder/s, would request to register/update my bank details for this folio number. Bank Mandate Details (the said Unit holder should be one of the Bank Account holders):

Bank Account Number #

Bank Account Type

(Please )

Savings Current NRE NRO FCNR

Others (Please specify) ___________________________

Bank Name

Bank Branch Address

……………………….…………………………………………………………………………………………………………………………….

……………………….…………………………………………………………………………………………………………………………….

City : ……………………………………………………………….. Pin Code : ………………………………………………………..

MICR Code 9 Digit Number next to the Cheque No.

RTGS/IFSC/NEFT Code 11 digit code is printed on the cheque book

Please provide contact Details, to help us serve you better.

Land Line No.

Mobile No.

E-mail address

All other details vis-à-vis the referred Folio(s), as on the records of the AMC/Registrar shall be considered accurate and complete, unless otherwise appropriately/suitably communicated by the unit holder. #Attach any one of following for the Bank Account as mentioned above (Please ):

Cancelled original cheque of the new bank mandate with first unit holder name and bank account number printed on the face of the cheque

Self attested copy of bank statement / Bank passbook with current entries not older than 3 months.

Bank Letter duly signed by branch manager/authorized personnel

[In case of photo copies, kindly present the originals for verification or copy should be attested by the Bank]

Thanking you,

Yours sincerely,

Signature of 1st

Applicant Signature of 2nd

Applicant Signature of 3rd

Applicant


Folio No.(For Existing Unit Holders)

Exchange Plaza, ‘B’ Wing, Ground Floor, NSE Building, Bandra Kurla Complex, Bandra (East), Mumbai-400 051.Website : www.principalindia.com

Please read the terms and conditions mentioned overleaf and attach necessary documents for registration of bank accounts. Forms should be filled legibly in English and in capitals. Strike of the section/s unused by you to avoid any unauthorized use. Use separate forms for different folio.

Name of Sole/First Unit holder

Application No(for New Investors)

PAN

If you are changing an existing bank account with a new one for redemption/dividend proceeds in future, please mention the new bank account in Part A as well as in Part B. If the new bank account is not mentioned in Part B, redemption/dividend proceeds will be sent to existing default bank account, registered with Karvy Computershare Private Limited (R&T), Registrar of Principal Mutual Fund

For each Bank Account mentioned in Part A, provide a copy of the documents stated here below and produce original for verification or submit originals of the same.

Please register my/our following bank accounts for all investments in my/our folio. I/we understand that I/we can choose to receive payment proceeds in any of these accounts, by making a specific request in my/our redemption request. I/we understand that the bank accounts listed below shall be taken up for registration in my/our folio in the order given below and the same shall be registered only if there is a scope to register additional bank accounts in the folio subject to a maximum of five in the case of individuals and ten in the case of non-individuals.

*9 digit code on your cheque next to the cheque number

If you are changing an existing default bank account with new one for redemption/devidend proceeds in future, please mention the new bank account in Part A as well as in Part B.

From among the bank accounts mentioned above or those already registered with you, please register the following bank account as a Default Bank Account for payment of future redemption and/or dividend proceeds, if any, in the above mentioned folio:

Bank Account No.

Bank Name

I/we have read and understood the terms and conditions of bank accounts registration and agree to abide by the same. I/we understand that my/our request will be executed only if it is filled properly with all details mentioned properly and necessary documents are attached, as applicable , failing which the request will be rejected. I/we will not hold Principal Mutual Fund, Principal Pnb Asset Management company Private Limited (AMC), Principal Trustee Company Private Limited (the Trustee) and R&T liable for any loss due to delayed execution or rejection of the request.

Sole/First Applicant/Unit holder/Guardian Second Applicant/Unit holder/Guardian Third Applicant/Unit holder/Guardian

(To be signed by all applicants/uniholders if mode of holding is ‘joint’)

A - ADDITION OF BANK ACCOUNTS

Bank Account Number Account Type


MICR Code*Bank Name

IFSC Code / NEFT / RTGS Code Branch Name

Pincode

Document/s attached (Any one) : Cancelled Cheque with name of the 1st Unit holder/account pre-printed Bank statement Copy of Pass Book

Branch Address

B - DEFAULT BANK ACCOUNT

Declaration and Signatures (for Part A and B) Mandatory)



MICR Code*Bank Name


Pincode


Branch Address



MICR Code*Bank Name


Pincode


Branch Address



MICR Code*Bank Name


Pincode


Branch Address

Branch Address

BANK ACCOUNTS REGISTRATION FORMMultiple Banks / Bank Change / Default Bank / Deletion

Sole/First Applicant/Unit holder/Guardian Second Applicant/Unit holder/Guardian Third Applicant/Unit holder/Guardian

(To be signed by all applicants/uniholders if mode of holding is ‘joint’)

1) Unit holders have the facility to register multiple bank account details for all investments held in the specified folio (existing or new). Individuals/HUF can register upto 5 different bank accounts for a folio by using this form. Non-individuals can register upto 10 different bank accounts for a folio. For registering more than 5 bank accounts (only for Non-Individual Investors), please use extra copies of this form.

2) Please enclose a cancelled cheque leaf for each of such banks accounts. This will help in verification of the account details and register them accurately. The application will be processed only for such accounts for which cancelled cheque leaf is provided. Accounts not matching with such cheque leaf thereof will not be registered.

3) If the bank account number on the cheque leaf is handwritten or investor name is not printed on the face of the cheque, bank account statement or pass book or a bank certificate or a letter from the bank giving the name of all Account holders address and the account number should be enclosed. If photocopies are submitted, investors must produce original for verification.

4) Bank account registration/deletion request will be accepted and processed only if all the details are correctly filled and the necessary documents are submitted. The request is liable to be rejected if any information is missing or incorrectly filled or if there is deficiency in the documents submitted.

5) The first/sole unit holder in the folio should be one of the holders of the bank account being registered.

6) Originals should be brought along at the Official Point of Acceptance, for verification. The same shall be returned across the Counter after due verification.

7) The investors can change the default bank account by submitting this form. In case multiple bank accounts are opted for registration as default bank account, the mutual fund retains the right to register any one of them as the default bank account. However, deletion of an existing bank account will not be accepted unless the investor mentions another registered bank account as a default account in this application Form.

Please delete the following Bank Accounts as registered Accounts for my/our above folio:

8) Multiple Bank Account registration or any subsequent addition / change / deletion would be effected within 10 business days of receipt of such valid request at any of the Official Point of Acceptance and a confirmation in this regard shall be sent within 15 business days.

9) If any of the registered bank accounts are closed/ altered, please intimate AMC in writing of such change with an instruction to delete/alter it from of our records.

10) The Bank Account chosen as the primary/default bank account will be used for all Redemption payouts/ Dividend payouts. At anytime, investor can instruct AMC to change the default bank account by choosing one of the additional accounts already registered with AMC.

11) If unitholder(s) provide a new and unregistered bank mandate with a specific redemption request (with or without necessary supporting documents) such bank account will not be considered for payment of redemption proceeds.

12) If in a folio, purchase investments are vide SB or NRO bank account, the bank account types for redemption can be SB or NRO only. If the purchase investments are made vide NRE account(s), the bank accounts types for redemption can be SB/ NRO/ NRE.

13) The registered bank accounts will also be used to identify the pay-in proceeds. Hence, unit holder(s) are advised to register their various bank accounts in advance using this facility and ensure that payments for ongoing purchase transactions are from any of the registered bank accounts only, to avoid fraudulent transactions and potential rejections due to mismatch of pay-in bank details with the accounts registered in the folio.

14) Principal Mutual Fund / Trustee / AMC / R&T shall not be liable for any loss arising to the unitholder(s) due to the credit of the redemption proceeds into any of the Bank Accounts registered in the Folio.

15) This facility is subject to the terms and conditions of the Statement of Additional Information and Scheme Information Documents of the scheme of Principal Mutual Fund, and such other conditions and procedures as may be prescribed by the AMC from time to time.

For any enquiries and / or queries, investors are advised to address a suitable communication to AMC at:

I/we have read and understood the terms and conditions of bank accounts deletion and agree to abide by the same. I/we understand that my/our request will be executed only if it is filled properly with all details mentioned properly failing which the request will be rejected. I/we will not hold Principal Mutual Fund, the AMC, the Trustee & R&T liable for any loss due to delayed execution or rejection of the request.

Deletion of an existing default bank account is not permitted unless the investor mentions another registered bank account as a default account in Section B of this Form.

Please read the terms and conditions mentioned here below for deletion of bank accounts. Forms should be filled legibly in English and in capitals. Strike of the section/s unused by you to avoid any unauthorized use. Use separate forms for different folio.

Folio No.

Name of Sole/First Unit holder

PAN

C - Bank Account Deletion Request

Bank Account Number Bank Name

Bank Address

Declaration and Signatures (for Part C) (Mandatory)


Bank Address


Bank Address


Bank Address

Instructions and Terms and Conditions

Exchange Plaza, ‘B’ Wing, Ground Floor, NSE Building, Bandra Kurla Complex, Bandra (East), Mumbai-400 051.Website : www.principalindia.com

Date …………………………

E-Mail ID Registration Request Form


1st Unitholder

2nd Unitholder

3rd Unitholder

KYC Compliant (Please )

Yes No

With reference to the above account I/We, as account holder/s, would request to register E-mail ID for this folio number as mentioned below:

E-mail address

Henceforth we would wish that all the correspondence to be sent in electronic form to this E-mail ID. I/We acknowledge that receipt of information/correspondence in electronic form to the above mentioned E-mail ID would be sufficient and proper receipt of information/correspondence by me/us.

Thanking you,

Yours sincerely,

Signature of 1st Applicant Signature of 2nd Applicant Signature of 3rd Applicant


FOLIO CONSOLIDATION FORM

I/We wish to consolidate all my/our below mentioned folio numbers into one folio number (Target Folio).

Source Folio Nos.

Date: ___/___/_________

Source Folio Nos.

Folio Consolidation Form(Acknowledgement copy)

Date: ___/___/______

Target Folio No.

Target Folio No.

Folio No.

(Name of the Sole / First Holder / PoA Holder/Guardian)

(Name of the Second Holder)

(Name of the Third Holder)

(Signature)

(Signature)

(Signature)

I/we understand that the Target Folio will overwrite all other Source Folio No(s). I/we also further understand that my /our Folio Consolidation Request will only be considered where the mode of holding across all Source Folio(s) provided is the same.

on my/our request for consolidation being accepted by the AMC/PMF

SERVICE REQUEST FORM FOR CHANGE IN STATUS – MINOR ATTAINING MAJORITY ‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐

Folio Number(s) Name of the Unitholder(s) 1st Unitholder ‐

2nd Unitholder ‐3rd Unitholder ‐

Having Completed/approaching 18 years of age, the Minor unitholder under the above mentioned Folio(s) has attained/shall be attaining majority. I Mr. /Mrs. ___________Name of Guardian as in the Folio(s)______________ am the registered Guardian in the captioned Folio(s) to the Minor unit holder viz. _ Name of the concerning Minor unit holder, and hereby request you to take on record the following details of the said unitholder and update the Folio(s) accordingly. Name of the Minor Unitholder

PAN of the Minor Unitholder Please provide contact details, to help us serve you better

Phone (Res) __________________ (Off) _______________________________ Mo __________________________________ Fax________________________ E‐Mail __________ IN BLOCK LETTERS_________________________________

Bank Mandate Details – the said Minor Unit holder should be one of the Bank Account holders: Bank Account Number # Bank Account Type (Please ) Savings Current NRE NRO FCNR

Others (Please specify) ___________________________ Bank Name Bank Branch Address

_________________________________________________________________ _________________________________________________________________ City _______________________ Pin Code ____________________

MICR Code 9 Digit Number next to the Cheque No. IFSC Code NEFT Code All other details vis‐à‐vis the referred Folio(s), as on the records of the AMC/Registrar shall be considered accurate and complete, unless otherwise appropriately/suitably communicated by the unit holder. Mandatory Documents to be submitted along with; in respect of minor unitholder having attained majority: (a) PAN Card Copy; (b) KYC Acknowledgement Letter where applicable; and (c) Signature Attestation of the Major by a Manager / Bank Certificate / Letter from a Scheduled Commercial Bank, of the Bank Mandate mentioned above (Format of the certificate/letter available on www.principalindia.com) #Attach any one of following for the Bank Account as mentioned above: □ Cancelled Cheque with name & account no. pre‐printed □ Certified Copy of Bank statement □ Certified Copy of Pass book [In case of photo copies, kindly bring present the originals for verification]

Signature of the Guardian Signature of the Unitholder (having attained majority)

Annexure – I

New Bank Mandate Details with Attestation from Bank Branch Manager <To be given on Bank’s Letter Head> or with <Bank Branch seal, employee name and number seal>

TO WHOMSOEVER IT MAY CONCERN

This is to certify that

Mr. / Ms. (#)

S/o or D/o:

residing at

is holding the following account in our bank and branch

Bank Name

Branch Name

Bank A/c No.

A/c Type () Savings Current NRE NRO FCNR Others…………………..

MICR Code (9 digit)

IFSC Code (11 digit)

Signature of the above A/c holder

as per Banks’s records

Signature of the Bank Manager

Bank & Branch Seal

With employee name and number

Date: Place:

(#) = Name of the claimant

Date : ________________________ To, Principal Mutual Fund ___________________

Dear Sir, Subject: Transfer of Units in the name of Nominee With reference to the above account, I/we state that “Mr./Ms. _______________________________________ “ passed

away on _____________ and he/she was holding the following Mutual Fund Units:

S. No. Scheme Name Folio/Account No. No. of Units Hold

I/We further inform you that he/she has nominated me/us as the nominee of the above mentioned investments stand-ing in his/her name.

I/We have, therefore approached you with a request to transfer the aforesaid units in the name of the undersigns

“Mr./Ms._________________________________________________________________________________.

I am herewith enclosing requested documents as follows: Please tick ()

Death Certificate in original or photocopy duly notarized or attested by gazette officer or a bank manager,

KYC of the surviving unit holders

Bank Account Details along with signature attestation by a bank branch manager - Annexure I

Indemnity Bond (on-judicial Stamp paper of Rs.200/-).) duly signed and Notarized (executed by the nominee/s) #

- Annexure II

# KYC acknowledgement address should match with the address mentioned in the Indemnity Bond. Thanking you Yours truly

Signature of the Nominee


(*) =Name of the deceased unit holder/s (#) =Name/s of the claimant/s

ANNEXURE – II (To be given by the Nominee/s)

(To be Executed Non-judicial Stamp paper of ₹ 200/-)

INDEMNITY BOND

with respect to transfer of the Mutual Fund units held by the deceased holder with production of legal representation (In case of Transmission of Mutual Fund Units held by a Single Holder/ on death of all unit holders in case of Joint Holding and where there is Nominee Registration) I/We do hereby Solemnly affirm and sincerely state on oath as follows, I/We inform you that “Mr. / Ms. (*) ” passed away on and he/she was (Name of Unit Holder) DD/MM/YYY holding the following Mutual Fund Units:

S. No. Name of Mutual Fund Scheme Name Folio/Account No. No. of Units

Hold

I /We further inform you that he/she has nominated me/us as the nominee of the mutual fund units standing in his/ her name. I/We have, therefore, approached you with a request to transfer the aforesaid Mutual fund units in the name of the undersigns “Mr. / Ms. “ ” (Name of Nominee) without insisting of production of a succession certificate or an order of the court of competent jurisdiction for which I /We execute an indemnity as is herein contained and on relying on the information herein given by us believing the same to be true. In consideration therefore of my / our request to transfer above said Mutual Fund units to my/our name/s, I/We agree to receive the said units only as an agent and trustee for the legal heirs or legatees of the said unit holder/s. I/We hereby further agree and undertake to indemnify and keep indemnified, saved, defended, harmless you and your successors and assigns for all time hereafter against all losses, costs, claims, actions, demands, risks, charges, expenses, damages, etc., whatsoever which you may suffer and/or incur by reason of your, at my request, transferring the said mutual fund units as herein above mentioned, to my / our name/s without insisting on production of a succession certificate or an order of the court of competent jurisdiction. IN WITNESS WHEREOF THE said “Mr. / Ms. (#)“ (Name of Nominee)

” has/have here unto set their respective hands and seals this ____________________ day of ______________.

Signed and delivered by the said applicant/s

1.

2.

3.

Name & Address of Nominee(s) Name & Address of Nominee(s) Signature of the Nominee(s)

Date: ________________ Place: ________________ _____________________________________

Signature of Notary [with Name and Seal]

Date : _____________________


To, Principal Mutual Fund ___________________

Dear Sir, Subject: Transfer of Units in the name of Legal Heir With reference to the above account, I/we state that “Mr./Ms. _______________________________________ “ passed away on

_____________ and he/she was holding the following Mutual Fund Units:

Sr. No. Scheme Name Folio/Account No. No. of Units Hold

The said unit holder died intestate or without registering any nominee/s for the above mentioned investments. We further inform you that he/she left behind him/her only surviving heirs and next of kin, the following persons according to the Law of Intestate Succession application to him/her by which he/she governed at the time of his/her death.

S. No. Name of the Legal Heirs Address Age Relationship with the

deceased

1.

2.

3.

I/We have, therefore approached you with a request to transfer the aforesaid units in the name of the undersigns

“Mr./Ms._________________________________________________________________________________.


Death Certificate in original or photocopy duly notarized or attested by gazette officer or a bank manager,

KYC of the surviving unit holders

Bank Account Details along with signature attestation by a bank branch manager

Annexure I

Indemnity Bond (on-judicial Stamp paper of Rs.200/-) from legal heir/s. #

Annexure III

Individual affidavits (on-judicial Stamp paper of Rs.300/-) from legal heir/s. #

Annexure IV

Letter of Relinquishment (also known as No objection letter from other Legal Heirs) (on-judicial Stamp paper of ₹20/-)

Annexure VII

Notarized copy of Probated Will

Legal Heir Certificate/ Succession Certificate

Claimant’s Certificate issued by a competent court

Letter of Administration, in case of Intestate Succession.

# KYC acknowledgement address should match with the address mentioned in the Indemnity Bond.

Thanking you

Yours truly

Signature of the Claimant

of 2

ANNEXURE – III: (To be signed jointly by all the Legal Heirs)


INDEMNITY BOND

With respect to transfer of the mutual fund units held by the deceased holder with out production of legal representation

(In case of Transmission of Mutual Fund Units held by a Single Holder/ on death of all unit holders in case of Joint Holding and where there is No Nominee Registration). I/We do hereby solemnly affirm and sincerely state on oath as follows,

I/We state that “Mr. / Ms. (*)“ Name of deceased unit holder ” passed away on date of Death and he/she was holding the following Mutual Fund Units:


Hold

The said unit holder died intestate or without registering any nominee/s in folio/s on the DD/MM/YYYY . I/We further inform you that he / she left behind him/her only surviving heirs and next of kin, the following persons according to the Law of Intestate Succession application to him/her by which he/she governed at the time of his/her death.

Sr. No. Name of the Legal Heirs Address Age Relationship with the

deceased

1.

2.

3.

I/We have, therefore, approached you with a request to transfer the aforesaid Mutual Fund units in the name of the undersigned

“Mr. / Ms. (#) Name of claimant/legal heir ”On my/our behalf without insisting of production of a succession certificate or an order of the court of competent jurisdiction for which I/we or any one on our behalf execute an indemnity as is herein contained and on relying on the information herein given by me/us believing the same to be true. In consideration therefore of my/our request to transfer above said Mutual Fund units to the name of the undersigned

“Mr. / Ms. (#) Name of claimant/legal heir ”.

I / we hereby jointly and severely agree and undertake to indemnify and keep indemnified, saved, defended, harmless you

and your successors and assigns for all time hereafter against all losses, costs, claims, actions, demands, risks, charges,

expenses, suits, proceedings, damages, etc., whatsoever which you may suffer and/or incur by reason of your, at my/our

request, transferring the said Mutual Fund units as herein above mentioned, to the undersigned “Mr. / Ms. (#)

of 2

Name of claimant/legal heir ” without insisting on production of a succession certificate or

letter of administration or an order of the court of competent jurisdiction.

IN WITNESS WHEREOF THE said “Mr. / Ms. (#) Name of claimant/legal heir ” have here unto set their respective hands and seals this _____________ day of _______. Signed and delivered by the said legal heir(s.

1.

2.

3.

Name of the Legal Heir/s Address of the Legal Heir/s Signature of the Legal Heir/s

1.

2.

Suretie/s Name (Mandatory) Suretie/s Address (Mandatory) Suretie/s Signature

__________________________________ Signature of the Notary with Name & Seal

(*) = Name of the deceased unit holder (#) = Name of the claimant

of 2

Annexure – IV: (To be given by the Legal Heirs)


AFFIDAVITS (In case of Transmission of Mutual Fund Units held by a Single Holder / on death of all unit holders in case of Joint Holding and where there is No Nominee Registration) We do hereby solemnly affirm and sincerely state on oath as follows,

I/We state that (#)“ Name of deceased unit holder ” passed away on ” date of Death ” and the deceased was holding the following mutual fund units in his /her name as single holder/joint holders:

Sr. No. Name of Mutual Fund Scheme Name Folio/Account No. No. of Units

Held

I/We state that the following are the only legal heir(s) of late Mr. / Mrs. . (#) Name of deceased unit holder ” for which we are attaching a Legal Heirship Certificate/ Succession Certificate/Indemnity Bond.

Sr. No. Name of the Legal Heirs Address Age Relationship with the

deceased

1.

2.

3.

That out of aforesaid legal heirs Master / Kumari. Name of Minor Aged Age years is a minor

and he / she is being represented by Mr. / Ms. ($)” Name of Guardian ” who is none other than his / her

father / mother as natural guardian.

I/We also confirm that there are no other legal heir as stated above to the deceased,(#) Name of the deceased unit holder ” I/We, the undersigned legal heirs, undertake and confirm that i/we have released/relinquished/discharged all my/our right, title, interest and benefit in the said units in favour of _________________ and have no objection in transferring the units held under the afore mentioned folio in favour of ___ Name of claimant/legal heir _____________ . In this regard I/we have approached you with a request to transfer the aforesaid Mutual Fund units in the name of Name of claimant/legal heir ” . In consideration therefore of my/our request to transfer the above said Mutual Fund units to the name of “Name of claimant/legal heir ” I/we hereby jointly and severely agree and undertake to indemnify and keep indemnified, saved, defended, harmless you and your successors and assigns for all time hereafter against all losses, costs, claims, actions, demands, risks, charges, expenses, suits, proceedings, damages, etc., whatsoever which you may suffer and/or incur by reason of your, at my/our request, transferring the said Mutual Fund units as herein above mentioned, to “ Name of claimant/legal heir ”.

of 2

I/We also indemnify the concerned mutual fund and its authorized Registrar and Transfer Agent in a separate indemnity bond with third party sureties.

1.

2.

3.

Name of the Deponent/Legal Heir/s Signature of the Deponent /Legal Heir/s

VERIFICATION

I/We hereby solemnly affirm and state on oath that what is stated herein above is true and correct Original Death Certificate or original attested copy of the death certificate and nothing has been concealed therein and that I/we am/are competent to contract and entitled to rights and benefits of the above mentioned mutual fund units of the deceased. Solemnly affirmed at Signed before me at ________ on _____ _______________________________________ Signature of Notary with Official Seal of Notary Note: 1. Each deponent shall sign separate affidavits.

(#) = Name of the deceased unit holder (*) = Name of the legal heir $ = Name of the guardian

Date : ____________________ To, Principal Mutual Fund ___________________

Dear Sir,

Subject: Transfer of Units - Change of Karta due to death of existing Karta With reference to the above account, I/we state that “Mr./Ms. _______________________________________ “ passed away

on _____________ and he/she was the Karta of the HUF and holding the following Mutual Fund Units:

S. No. Scheme Name Folio/Account No. No. of Units Hold

I/We inform you that the following are the only living members of the and that there are no other members/coparceners for the said HUF. I/We further inform you that Mr./Ms. _______________________________________ is the senior most coparcener of the HUF/is the new Karta duly appointed by all the members.

I/We have, therefore approached you with a request to replace the name of the deceased Karta with the name of new Karta

Mr./Ms. ____________________________ __________on the aforesaid units in the name of the undersigns.


Death Certificate in original or photocopy duly notarized or attested by gazette officer or a bank manager

KYC of the new Karta and KYC of HUF, if not already available

Duly certified Bank certificate stating that the signature and details of new Karta have been appended in the bank account of the HUF Annexure I

Indemnity bond signed by all the surviving coparceners and new Karta (To be Executed on-judicial Stamp paper of Rs.200/-). KYC acknowledgement address should match with the address mentioned in the Indemnity Bond.

Annexure V

Notarized copy of Settlement Deed

Notarized copy of Deed of Partition

Notarized copy of Decree of the relevant competent Court


Signature of the Karta


of 2

Annexure –V (To be signed jointly by all the coparceners and the new Karta)

(To be Executed Non-judicial Stamp paper of Rs.200/-)

INDEMNITY BOND With respect change of Karta / to transfer of the mutual fund units held by the deceased Karta with production of

Death Certificate Of Karta

I/We do hereby solemnly affirm and sincerely state on oath as follows: I/We inform you that “Mr. / Ms. (*) ” passed away on (Name of Unitholder) DD/MM/YYYY and he was the Karta of the HUF and holding the following Mutual Fund Units:


Hold

I /We inform you that the following are the only living members of the and (Name of the HUF) that there are no other members / coparceners for the said HUF:

S. No. Name Age Date of Birth

I /We further inform you that Mr. “Mr. / Ms. (#) _____________________________”is the senior most coparcener of

the HUF/ is the new Karta duly appointed by all the members.

I/We have, therefore, approached you with a request to replace the name of the deceased Karta with the name of the

new Karta Mr. “Mr. / Ms. (#) “ ” for which I /We execute (Name of the new Karta)

an indemnity as is herein contained and on relying on the information herein given by us believing the same to be true.

In consideration thereof my / our request to replace the name of the Karta in the above said Mutual Fund units in the place of deceased Karta I/We hereby agree and undertake to indemnify and keep indemnified, saved, defended, harmless you and your successors and assigns for all time hereafter against all losses, costs, claims, actions, demands, risks, charges, expenses, damages, etc., whatsoever which you may suffer and/or incur by reason of your, at my/ our request. IN WITNESS WHEREOF THE said “Mr. / Ms. ($) “ “has (Name of the members of HUF)

here unto set their respective hands and seals this ____________________ day of ______________________.

of 2

Signed and delivered by the said applicant “ “ (Name of the Karta)

1.

2.

3.

Name of the members of the HUF Address of the members of the HUF Signature of the members

of the HUF

1.

2.

Suretie/s Name (Mandatory) Suretie/s Address (Mandatory) Suretie/s Signature

Date: __________________________________ Place: ________________ ________________ __________________________________

Signature of notary [With name and seal] (*) = Name of the deceased Karta [Unit Holder] (#) =Name of the new Karta ($)= Name of the members of HUF Add additional lines wherever applicable

AMFI

ASSOCIATION OF MUTUAL FUNDS IN INDIA NATIONAL INSTITUTE OF SECURITIES MARKETS

Page 7 of 7

Transmission Documents Matrix – Ready Reckoner Annexure VI

Sr. No

Documents Required for Transmission

Transmission to Surviving Joint Holders

Demise of Sole/All unit holders & Nominee/s registered.

Demise of Sole/All unit holders & Nominee/s NOT registered.

Demise of Karta of an HUF.

Basic Documents

1 Letter from the Nominee/s or the Claimant/s or new Karta addressed to the AMC/Fund/Registrar.

� � � �

2 Death Certificate of deceased Unit Holder/s / Karta in original or Photocopy duly notarized.

� � � �

3

KYC of Nominee/s or Claimant/s or Surviving Unit holders or HUF & New Karta, Or

KYC of the Guardian (in case of nominee /claimant being a minor / of unsound mind).

� � � �

4

New Bank Mandate details - duly attested by Bank Manager - (Annexure I) or Cheque copy with account number and holders’ name printed on the cheque.

� � � �

Legal Documents (Indemnity Bonds to be on minimum Rs 20/- stamp paper and duly notarized. KYC acknowledgement address should match with the address mentioned in the Indemnity Bond.)

1 Indemnity bond signed by Nominee/s (Annexure II) if the transmission amount exceeds 100,000

�

2 A Indemnity bond signed by all legal heir/s confirming the claimant/s (Annexure III)

�

2 B Individual Affidavit by the Legal Heir/s (Annexure IV)

�

2 C

Transmission value Less than Rs 1,00,000: Document evidencing relationship of the claimant/s with the deceased unitholder/s.

Transmission value Rs. 1,00,000/- or more: Notarised copy of the Probated Will OR Legal Heir / Succession / Claimant certificate by a competent court OR Letter of Administration, in case of Inestate Succession.

�

3 A Indemnity Bond signed by all the co-parceners appointing the new karta (Annexure V)

�

3 B

Notarized copy of Settlement Deed OR Deed of Partition OR Decree of the relevant competent Court: (In case of no surviving co-parceners and the transmission value Rs. 1,00,000/- or more, OR where there is an objection from any surviving members of the HUF)

�

FIDELITY - INDIVIDUAL KYC FORM

1. Gross Annual Income Details Please tick (�) Below 1 Lac 1-5 Lacs 5-10 Lacs 10-25 Lacs >25 Lacs

[OR]

Net-worth in v as on (date)

Know Your Client (KYC)Application Form (For Individuals Only)

Application No. :

Ver. 02-2012

1. Name of Applicant (As appearing in supporting identifi cation document)

DECLARATIONI hereby declare that the details furnished above are true and correct to the best of my knowledge and belief and I undertake to inform you of any changes therein, immediately. In case any of the above information is found to be false or untrue or misleading or misrepresenting, I am aware that I may be held liable for it. I hereby authorise sharing of the information furnished on this form with all SEBI registered KYC Registration Agencies.

Place : Date :

Name

Father's /Spouse's Name

A. Identity Details (please see guidelines overleaf)

SIGNATURE OF APPLICANT

I

5. PAN Please enclose a duly attested copy of your PAN Card.

Unique Identifi cation Number (UID)/Aadhaar, if any

4. Status Please tick (�) Resident Individual Non Resident Foreign National (Passport copy mandatory for NRIs and Foreign Nationals)

6. Proof of Identity submitted for PAN exempt cases Please tick (�) UID (Aadhaar) Passport Voter ID Driving License Others (please see guideline 'D' overleaf)

2a. Gender Please tick (�) Male Female 2b. Marital Status Please tick (�) Single Married

2c. Date of Birth / / D D M M Y Y Y Y

/ / D D M M Y Y Y Y

/ / D D M M Y Y Y Y

3. Nationality Please tick (�) Indian Others Please specify

B. Address Details (please see guidelines overleaf)

2. Contact Details

4. Permanent Address of Resident Applicant if different from B1 above OR Overseas Address (Mandatory) for Non-Resident Applicant

1. Address for Correspondence

City / Town / Village Postal Code

State Country

E-Mail Id.

Tel. (Off.) (ISD) (STD) Tel. (Res.) (ISD) (STD)

Mobile (ISD) (STD) Fax (ISD) (STD)


State Country

2. Occupation Details (Please tick (�) any one and give brief details) Private Sector Service Public Sector Government Service Business Professional Agriculturist Retired Housewife Student Forex Dealer Others (Please specify) 3. Please tick if applicable: Politically Exposed Person (PEP) Related to a Politically Exposed Person (PEP) For defi nition of PEP, please refer guideline overleaf4. Any other information:

C. Other Details (please see guidelines overleaf)

Please specify

3. Proof of address to be provided by Applicant. Please submit ANY ONE of the following valid documents & tick (�) against the document attached. Passport Ration Card Registered Lease / Sale Agreement of Residence Driving License Voter Identity Card *Latest Bank Account Statement/Passbook *Latest Telephone Bill (only Land Line) *Latest Electricity Bill *Latest Gas Bill Others *Not more than 3 months old.Please specify

5. Proof of address to be provided by Applicant. Please submit ANY ONE of the following valid documents & tick (�) against the document attached. Passport Ration Card Registered Lease / Sale Agreement of Residence Driving License Voter Identity Card *Latest Bank Account Statement/Passbook *Latest Telephone Bill (only Land Line) *Latest Electricity Bill *Latest Gas Bill Others *Not more than 3 months old.Please specify

(* Net worth should not be older than 1 year)

PHOTOGRAPH

Please affix

a recent passport

size photograph and

sign across it

Seal/Stamp of the intermediary should containStaff NameDesignation

Name of the OrganizationSignature

In Person Verifi cation

AMC/Intermediary name OR code

(Originals Verifi ed) Self Certifi ed Document copies received

(Attested) True copies of documents received

FOR OFFICE USE ONLY IPV Done on

Please fill this form in ENGLISH and in BLOCK LETTERS.



Date

Documents Attestation

FIDELITY - INDIVIDUAL KYC FORM

A. IMPORTANT POINTS:

1. Self attested copy of PAN card is mandatory.

2. Copies of all documents that are submitted need to be compulsorily self-attested by the applicant and accompanied by originals for verifi cation. In case the original of any document is not produced for verifi cation, then the copies should be properly attested by entities authorized for attesting the documents,as per the list mentioned under [E].

3. If any proof of identity or address is in a foreign language, then translation into English is required.

4. Name & address of the applicant mentioned on the KYC form,should match with the documentary proof submitted.

5. If correspondence & permanent addresses are different, then proofs for both have to be submitted.

6. Sole proprietor must make the application in his individual name & capacity.

7. For non-residents and foreign nationals,(allowed to trade subject to RBI and FEMA guidelines), copy of passport/PIOCard/OCICard and overseas address proof is mandatory.

8. In case of Merchant Navy NRI’s, Mariner’s declaration or certifi ed copy of CDC (Continuous Discharge Certifi cate) is to be submitted.

9. For opening an account with Depository participant or Mutual Fund, for a minor, photocopy of the School Leaving Certifi cate/Mark sheet issued by Higher Secondary Board/Passport of Minor/Birth Certifi cate must be provided.

10. Politically Exposed Persons (PEP) are defi ned as individuals who are or have been entrusted with prominent public functions in a foreign country, e.g., Heads of States or of Governments, senior politicians, senior Government/judicial/military offi cers, senior executives of state owned corporations, important political party offi cials,etc.

B. Proof of Identity (POI): List of documents admissible as Proof of Identity (*Documents having an expiry date should be valid on the date of submission.):

1. PAN card with photograph. This is a mandatory requirement for all applicants except those who are specifi cally exempt from obtaining PAN (listed in Section D).

2. Unique Identifi cation Number (UID) (Aadhaar)/Passport/Voter ID card/Driving license.

3. Identity card/ document with applicant’s Photo, issued by any of the following: Central/State Government and its Departments, Statutory/Regulatory Authorities, Public Sector Undertakings, Scheduled Commercial Banks, Public Financial Institutions, Colleges affi liated to Universities, Professional Bodies such as ICAI, ICWAI, ICSI, Bar Council etc., to their Members; and Credit cards/Debit cards issued by Banks.

C. Proof of Address (POA): List of documents admissible as Proof of Address: (*Documents having an expiry date should be valid on the date of submission.)

1. Passport/Voters Identity Card/Ration Card/Registered Lease or Sale Agreement of Residence/Driving License/Flat Maintenance bill/Insurance Copy.

2. Utility bills like Telephone Bill (only land line),Electricity bill or Gas bill -Not more than 3 months old.

3. Bank Account Statement/Passbook -Not more than 3 months old.

4. Self-declaration by High Court and Supreme Court judges, giving the new address in respect of their own accounts.

5. Proof of address issued by any of the following: Bank Managers of Scheduled Commercial Banks/Scheduled Co-operative Bank/Multinational Foreign Banks/Gazetted Offi cer/Notary public/Elected representatives to the Legislative Assembly or Parliament/Documents issued by any Govt. or Statutory Authority.

6. Identity card/document with address, issued by any of the following: Central/State Government and its Departments, Statutory/Regulatory Authorities, Public Sector Undertakings, Scheduled Commercial Banks, Public Financial Institutions, Colleges affi liated to Universities and Professional Bodies such as ICAI, ICWAI,ICSI,Bar Council etc.,to their Members.

7. The proof of address in the name of the spouse may be accepted.

D. Exemptions/clarifications to PAN (*Sufficient documentary evidence in support of such claims to be collected.)

1. In case of transactions undertaken on behalf of Central Government and/or State Government and by offi cials appointed by Courts e.g. Offi cial liquidator,Court receiver etc.

2. Investors residing in the state of Sikkim.

3. UN entities/multilateral agencies exempt from paying taxes/fi ling tax returns in India.

4. Micro schemes such as Systematic Investment Plan (SIP), where aggregate of installments in a rolling 12 month period or in a fi nancial year i.e. April to March does not exceed Rs 50,000.

E. List of people authorized to attest the documents after verification with the originals:

1. Authorised offi cials of Asset Management Companies (AMC).

2. Authorised offi cials of Registrar & Transfer Agent (R&T) acting on behalf of the AMC.

3. KYD compliant mutual fund distributors.

4. Notary Public, Gazetted Offi cer, Manager of a Scheduled Commercial/Co-operative Bank or Multinational Foreign Banks (Name,Designation & Seal should be affi xed on the copy).

5. In case of NRIs, authorized offi cials of overseas branches of Scheduled Commercial Banks registered in India, Notary Public, Court Magistrate, Judge, Indian Embassy/Consulate General in the country where the client resides are permitted to attest the documents.

6. Government authorised offi cials who are empowered to issue Apostille Certifi cates.

F. List of people authorized to perform In Person Verification (IPV):

1. Authorised offi cials of Asset Management Companies (AMC).

2. Authorised offi cials of Registrar & Transfer Agent (R&T) acting on behalf of the AMC.

3. KYD compliant mutual fund distributors.

4. Manager of a Scheduled Commercial/Co-operative Bank or Multinational Foreign Banks (for investors investing directly).

5. In case of NRI applicants, a person permitted to attest documents in E(5) above, may also conduct the In Person Verifi cation and confi rm this in the KYC Form.

INSTRUCTIONS / CHECK LIST FOR FILLING KYC FORM

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Please Submit the KYC Documents on A4 Size Paper Only.

FIDELITY - NON-INDIVIDUAL KYC FORM

1. Gross Annual Income Details Please tick (�) Below 1 Lac 1-5 Lacs 5-10 Lacs 10-25 Lacs >25 Lacs-1 Crore >1 Crore

2. Net-worth in v as on (date)

Know Your Client (KYC)Application Form (For Non-Individuals Only) Application No. :

Ver. 02-2012

1. Name of Applicant (Please write complete name as per Certifi cate of Incorporation/Registration; leaving one box blank between 2 words. Please do not abbreviate the Name).

DECLARATIONI/We hereby declare that the details furnished above are true and correct to the best of my/our knowledge and belief and I/we undertake to inform you of any changes therein, immediately. In case any of the above information is found to be false or untrue or misleading or misrepresenting, I am/we are aware that I/we may be held liable for it. I / We hereby authorise sharing of the information furnished on this form with all SEBI registered KYC Registration Agencies.

Place : Date :

A. Identity Details (please see guidelines overleaf)

N

2a. Date of Incorporation 2b. Place of Incorporation

5. Permanent Account Number (PAN) (MANDATORY)

3. Registration No. (e.g. CIN)

Date of commencement of business

/ / D D M M Y Y Y Y

/ / D D M M Y Y Y Y

/ / D D M M Y Y Y Y


2. Contact Details

4. Registered Office Address (If different from above)



State Country

E-Mail Id.

Tel. (Off.) (ISD) (STD) Tel. (Res.) (ISD) (STD)

Mobile (ISD) (STD) Fax (ISD) (STD)


State Country

3. Name, PAN, DIN/UID, residential address and photographs of Promoters/Partners/Karta/Trustees/whole time directors (Please use the Annexure to fi ll in the details)4. Is the entity involved in/providing any of the following services – Foreign Exchange / Money Changer Services YES NO – Gaming / Gambling / Lottery Services (e.g. casinos, betting syndicates) YES NO – Money Lending / Pawning YES NO5. Any other information:

C. Other Details (please see guidelines overleaf)

3. Proof of address to be provided by Applicant. Please submit ANY ONE of the following valid documents & tick (�) against the document attached. *Latest Telephone Bill (only Land Line) *Latest Electricity Bill *Latest Bank Account Statement Registered Lease / Sale Agreement of Offi ce Premises Any other proof of address document (as listed overleaf) *Not more than 3 Months old.Please specify

5. Proof of address to be provided by Applicant. Please submit ANY ONE of the following valid documents & tick (�) against the document attached. *Latest Telephone Bill (only Land Line) *Latest Electricity Bill *Latest Bank Account Statement Registered Lease / Sale Agreement of Offi ce Premises Any other proof of address document (as listed overleaf) *Not more than 3 Months old.Please specify

(* Net worth should not be older than 1 year)

PHOTOGRAPH

Please affix

recent Passport

size photograph of

Authorised Signatory.

Signatory to also sign

across the Photograph.

4. Status Private Ltd. Co. Public Ltd. Co. Body Corporate Partnership Trust / Charities / NGOs Please tick (�) FI FII HUF AOP Bank Government Body Non-Government Organisation Defence Establishment Body of Individuals Society LLP Others Please specify

Please enclose a duly attested copy of your PAN Card.

NAME & SIGNATURE(S)

OF AUTHORISED

PERSON(S)



Date

Documents Attestation


(Originals Verifi ed) Self Certifi ed Document copies received


FOR OFFICE USE ONLY

Please fill this form in ENGLISH and in BLOCK LETTERS.


A. IMPORTANT POINTS: 1. Self attested copy of PAN card is mandatory for all clients, including Promoters/

Partners/Karta/Trustees and whole time directors and persons authorized to deal in securities on behalf of company/fi rm/others.

2. Copies of all the documents submitted by the applicant should be self-attested and accompanied by originals for verifi cation. In case the original of any document is not produced for verifi cation, then the copies should be certifi ed true by Karta/Partner/Trustee/Authorized Offi cial/Director/Company Secretary (Name, Designation & Seal should be affi xed on the copy) and properly attested by entities authorized for attesting the documents, as per the list mentioned under [E].

3. If any proof of identity or address is in a foreign language, then translation into English is required.

4. Name & address of the applicant mentioned on the KYC form,should match with the documentary proof submitted.

5. If correspondence & registered offi ce addresses are different, then proofs for both have to be submitted.

6. Sole proprietor must make the application in his individual name & capacity. If you are a sole proprietor, please use the KYC Application Form for Individuals.

7. For foreign entities, CIN is optional; and in the absence of DIN for the directors,their passport copy should be given.

8. Politically Exposed Persons (PEP) are defi ned as individuals who are or have been entrusted with prominent public functions in a foreign country, e.g., Heads of States or of Governments, senior politicians, senior Government/judicial/military offi cers, senior executives of state owned corporations, important political party offi cials,etc.

B. Permanent Account Number (PAN): PAN is a mandatory requirement for all applicants except those who are specifi cally exempt from obtaining PAN (listed in Section D).

In case of institutional clients, namely, FIIs, MFs, VCFs, FVCIs, Scheduled Commercial Banks, Multilateral and Bilateral Development Financial Institutions, State Industrial Development Corporations, Insurance Companies registered with IRDA and Public Financial Institution as defi ned under section 4A of the Companies Act, 1956, Custodians shall verify the PAN card details with the original PAN card and provide duly certifi ed copies of such verifi ed PAN details to the intermediary.

C. Proof of Address (POA): List of documents admissible as Proof of Address:(*Documents having an expiry date should be valid on the date of submission)1. Latest Land Line Telephone Bill 2. Latest Electricity Bill 3. Latest Bank Passbook / Bank Account Statement4. Registered Lease / Sale Agreement of offi ce premises5. Proof of address issued by any of the following: Bank Managers of Scheduled

Commercial Banks/Scheduled Co-operative Bank/Multinational Foreign Banks/Gazetted Offi cer/Notary public/Elected representatives to the Legislative Assembly or Parliament/Documents issued by any Govt. or Statutory Authority.

6. For FII/sub account, Power of Attorney given by FII/sub-account to the Custodians (which are duly notarized and/or apostiled or consularised) that gives the registered address should be taken.

7. Registration Certifi cate issued under Shops and Establishments Act Documents having an expiry date should not be more than three months old as on the date of submission of this form.

D. Exemptions/clarifications to PAN (*Sufficient documentary evidence in support of such claims to be collected.)

1. In case of transactions undertaken on behalf of Central Government and/or State Government and by offi cials appointed by Courts e.g. Offi cial liquidator,Court receiver etc.

2. UN entities/multilateral agencies exempt from paying taxes/fi ling tax returns in India.3. Investors residing in the state of Sikkim.

E. List of people authorized to attest the documents after verification with the originals:

1. Authorised offi cials of Asset Management Companies (AMC).2. Authorised offi cials of Registrar & Transfer Agent (R&T) acting on behalf of the AMC.3. KYD compliant mutual fund distributors.4. Notary Public, Gazetted Offi cer, Manager of a Scheduled Commercial/Co-operative

Bank or Multinational Foreign Banks.5. Government authorised offi cials who are empowered to issue Apostille Certifi cates.


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F. Incase of Non-Individuals, additional documents to be obtained from non-individuals, over & above the POI & POA, as mentioned below:


Corporate • Copy of the balance sheets for the last 2 fi nancial years (to be submitted every year)• Copy of latest share holding pattern including list of all those holding control, either directly or indirectly, in the company in terms of SEBI

takeover Regulations, duly certifi ed by the company secretary/Whole time director/MD(to be submitted every year) • Photograph, POI, POA, PAN and DIN numbers of whole time directors/two directors in charge of day to day operations • Photograph, POI, POA, PAN of individual promoters holding control – either directly or indirectly • Copies of the Memorandum and Articles of Association and certifi cate of incorporation • Copy of the Board Resolution for investment in securities market • Authorised signatories list with specimen signatures

Partnership firm • Copy of the balance sheets for the last 2 fi nancial years (to be submitted every year) • Certifi cate of registration (for registered partnership fi rms only) • Copy of partnership deed • Authorised signatories list with specimen signatures • Photograph, POI, POA, PAN of Partners

Trust • Copy of the balance sheets for the last 2 fi nancial years (to be submitted every year) • Certifi cate of registration (for registered trust only). Copy of Trust deed • List of trustees certifi ed by managing trustees/CA • Photograph, POI, POA, PAN of Trustees

HUF • PAN of HUF • Deed of declaration of HUF/List of coparceners • Bank pass-book/bank statement in the name of HUF • Photograph, POI, POA, PAN of Karta

Unincorporated Association or a body of individuals

• Proof of Existence/Constitution document • Resolution of the managing body & Power of Attorney granted to transact business on its behalf • Authorized signatories list with specimen signatures

Banks/Institutional Investors • Copy of the constitution/registration or annual report/balance sheet for the last 2 fi nancial years • Authorized signatories list with specimen signatures

Foreign Institutional Investors (FII) • Copy of SEBI registration certifi cate • Authorized signatories list with specimen signatures

Army/Government Bodies • Self-certifi cation on letterhead • Authorized signatories list with specimen signatures

Registered Society • Copy of Registration Certifi cate under Societies Registration Act • List of Managing Committee members • Committee resolution for persons authorised to act as authorised signatories with specimen signatures • True copy of Society Rules and Bye Laws certifi ed by the Chairman/Secretary


Details of Promoters/Partners/Karta/Trustees and whole time directors forming a part of Know Your Client (KYC) Application Form for Non-Individuals

Name of Applicant

PAN of the Applicant

Sr. No.

PAN Name DIN (For Directors)/

UID (For others if

available)

Residential Address Relationship with Applicant (i.e. promoters,

whole time directors etc.)

Whether Politically Exposed*

Photograph

(Please attach a copy of your PAN

Card)

(Please attach proof of your residential

address)

PEP

RPEP

NO


Card)


address)

PEP

RPEP

NO


Card)


address)

PEP

RPEP

NO


Card)


address)

PEP

RPEP

NO


Card)


address)

PEP

RPEP

NO


Card)


address)

PEP

RPEP

NO


Card)


address)

PEP

RPEP

NO

*PEP: Politically Exposed Person *RPEP: Related to Politically Exposed Person


Sr. No.

PAN Name DIN (For Directors)/

UID (For others if

available)

Residential Address Relationship with Applicant (i.e. promoters,

whole time directors etc.)

Whether Politically Exposed*

Photograph


Card)


address)

PEP

RPEP

NO


Card)


address)

PEP

RPEP

NO


Card)


address)

PEP

RPEP

NO


Card)


address)

PEP

RPEP

NO


Card)


address)

PEP

RPEP

NO


Card)


address)

PEP

RPEP

NO

*PEP: Politically Exposed Person Name & Signature of the Authorised Signatory(ies) Date / / D D M M Y Y Y Y *RPEP: Related to Politically Exposed Person

Details of Promoters/Partners/Karta/Trustees and whole time directors forming a part of Know Your Client (KYC) Application Form for Non-Individuals (contd.)

KYC Details Change Form

(For Non-Individuals Only)

Please fill in ENGLISH and in BLOCK LETTERS with black ink (Please strike off Sections that are not used.)

Application No. :CN"P

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KYC

App

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Form

and

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inst

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sho

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be p

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the

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A. New Identity Details (as per the original KYC records) please see guidelines overleaf)

2. Date of Incorporation /d d m m y y y y/ Place of Incorporation

5. Permanent Account Number (PAN) (MANDATORY) Please enclose a duly attested copy of your PAN Card

2. Permanent Account Number (PAN) (MANDATORY) Please enclose a duly attested copy of your PAN Card

3. Registration No. (e.g. CIN)

Place: Date:

NAME & SIGNATURE(S)

OF AUTHORISED

PERSON(S)

I/We hereby declare that the details furnished above are true and correct to the best of my/our knowledge and belief and I/we undertake to inform you of any changes therein, immediately. In case any of the above information is found to be false or untrue or misleading or misrepresenting, I am/we are aware that I/we may be held liable for it.

DECLARATION


2. Contact DetailsTel. (Off.) (ISD) (STD) Tel. (Res.)Mobile (ISD) (STD) FaxE-Mail Id.

(ISD) (STD)(ISD) (STD)

FOR OFFICE USE ONLY

1. Name of Applicant (Please write complete name as per Certificate of Incorporation / Registration; leaving one box blank between 2 words. Please do not abbreviate the Name).

3. Proof of address to be provided by Applicant. Please submit ANY ONE of the following valid documents & tick ( ) against the document attached. Latest Bank Account Statement Registered Lease / Sale Agreement of Office Premises Any other proof of address document (as listed overleaf).

ü*Latest Telephone Bill (only Land Line) *Latest Electricity Bill *

*Not more than 3 Months old.

(Please specify)

Validity/Expiry date of proof of address submitted

/d d m m y y y y/

5. Proof of address to be provided by Applicant. Please submit ANY ONE of the following valid documents & tick ( ) against the document attached. Latest Bank Account Statement Registered Lease / Sale Agreement of Office Premises Any other proof of address document (as listed overleaf).

ü*Latest Telephone Bill (only Land Line) *Latest Electricity Bill *

*Not more than 3 Months old.

(Please specify)

Validity/Expiry date of proof of address submitted

/d d m m y y y y/C. Other Details (please see guidelines overleaf)

3. (Please use the Annexure to details)

Name, PAN, DIN/UID, residential address and photographs of Promoters/Partners/Karta/Trustees/whole time directorsfill in the

5. Any other information:

4. Is the entity involved/providing any of the following services YES NO - For Foreign Exchange / Money Changer Services YES NO – Gaming / Gambling / Lottery Services (e.g. casinos, betting syndicates) YES NO - Money Lending / Pawning YES NO

1. Gross Annual Income Details Please tick ( ): Below 1 Lac 1-5 Lac 5-10 Lac 10-25 Lac 25 Lacs-1 Crore > 1 Croreü

2. Net-worth in . as on (date)` (*Net worth should not be older than 1 year) /d d m m y y y y/

Seal/Stamp of the intermediary Should contain

Staff Name

Designation

Name of the Organization

Signature

Date

4. Registered Address (If different from above)

City / Town / Village Postal CodeState Country


City / Town / Village Postal CodeState Country


(Originals Verified) Self Certified Document copies received


Main Intermediary

Seal/Stamp of the intermediary Should contain

Staff Name

Designation

Name of the Organization

Signature

Date

Please provide the new KYC details which should be updated in your KYC records

1. Name of Applicant (Please write complete name as per Certificate of Incorporation / Registration; leaving one box blank between 2 words. Please do not abbreviate the Name).

Existing Identify Details

4. Status Please tick ( ) ü Others

Private Ltd. Co. Public Ltd. Co. Body Corporate Partnership Trust / Charities / NGOs FI FII HUFAOP Bank Government Body Non-Government Organisation Defence Establishment Body of Individuals Society LLP

(Please specify)

A. IMPORTANT POINTS: 1. Passport/Voters Identity Card/Ration Card/Registered Lease or Sale Agreement of Residence/Driving License/Flat Maintenance bill/Insurance Copy.1.

2. Utility bills like Telephone Bill (only land line), Electricity bill or Gas bill - Not more than 3 months old.2. Copies of all the documents submitted by the applicant should be self-attested and

3. Bank Account Statement/Passbook - Not more than 3 months old.accompanied by originals for verification. In case the original of any document is not produced for verification, then the copies should be properly attested by entities 4. Self-declaration by High Court and Supreme Court judges, giving the new address in authorized for attesting the documents, as per the below mentioned list. respect of their own accounts.

3. If any proof of identity or address is in a foreign language, then translation into English 5. Proof of address issued by any of the following: Bank Managers of Scheduled is required. Commercial Banks/Scheduled Co-Operative Bank/Multinationa Foreign

Banks/Gazetted Officer/Notary public/Elected representatives to the Legislative 4. Name & address of the applicant mentioned on the KYC form, should match with the Assembly/Parliament/Documents issued by any Govt. or Statutory Authority.documentary proof submitted.

6. Identity card/document with address, issued by any of the following: Central/State 5. If correspondence & permanent address are different, then proofs for both have to be Government and its Departments, Statutory/Regulatory Authorities, Public Sector submitted.Undertakings, Scheduled Commercial Banks, Public Financial Institutions,Colleges 6. Sole proprietor must make the application in his individual name & capacity.affiliated to Universities and Professional Bodies such as ICAI, ICWAI, ICSI, Bar Council 7. For non-residents and foreign nationals,(allowed to trade subject to RBI and FEMA etc.,to their Members.guidelines), copy of passport/PIOCard/OCICard and overseas address proof is

7. For FII/sub account, Power of Attorney given by FII/sub-account to the Custodians mandatory.(which are duly notarized and/or apostiled or consularised) that gives the registered 8. For foreign entities, CIN is optional; and in the absence of DIN no. for the directors, address should be taken.their passport copy should be given.

8. The proof of address in the name of the spouse may be accepted.9. In case of Merchant Navy NRI’s, Mariner’s declaration or certified copy of CDC (Continuous Discharge Certificate) is to be submitted. D. Exemptions/clarifications to PAN

10. For opening an account with Depository participant or Mutual Fund, for amin or, (*Sufficient documentary evidence in support of such claims to be collected.)photocopy of the School Leaving Certificate/Mark sheet issued by Higher Secondary 1. In case of transactions undertaken on behalf of Central Government and/or State Board/Passport of Minor/Birth Certificate must be provided. Governmentand by officials appointed by Courts e.g. Official liquidator, Court receiver etc.

11. Politically Exposed Persons (PEP) are defined as individuals who are or have been 2. Investors residing in the state of Sikkim.entrusted with prominent public functions in a foreign country, e.g., Heads of 3. UN entities/multilateral agencies exempt from paying taxes/filing tax returns in India.States or of Governments, senior politicians, senior Government/judicial/military officers,

4. SIP of Mutual Funds upto Rs 50,000/- p.a.senior executives of state owned corporations, important political party 5. In case of institutional clients, namely, FIIs, Mfs, VCFs, FVCIs, Scheduled Commercial officials, etc.

Banks, Multilateral and Bilateral Development Financial Institutions, State Industrial B. Proof of Identity( POI): List of documents admissible as Proof of Identity: Development Corporations, Insurance Companies registered with IRDA and Public

1. PAN card with photograph. This is a mandatory requirement for all Financial Institution as defined under section 4A of the Companies Act, 1956, applicants except those who are specifically exempt from obtaining PAN (listed in Section D). Custodians shall verify the PAN card details with the original PAN card and provide

duly certified copies of such verified PAN details to the intermediary.2. Unique Identification Number (UID) (Aadhaar)/Passport/Voter ID card/Driving license.3. Identity card/ document with applicant’s Photo, issued by any of the following: E. List of people authorized to attest the documents:

Central/State Government and its Departments, Statutory/Regulatory Authorities, 1. Notary Public, Gazetted Officer, Manager of a Scheduled Commercial/Co-operative Public Sector Undertakings, Scheduled Commercial Banks, Public Financial Bank or Multinational Foreign Banks (Name, Designation & Seal should be affixed on Institutions, Colleges affiliated to Universities, Professional Bodies such as ICAI, the copy).ICWAI, ICSI, Bar Council etc., to their Members; and Credit cards/Debit cards issued by

2. In case of NRIs, authorized officials of overseas branches of Scheduled Commercial Banks.Banks registered in India, Notary Public, Court Magistrate, Judge, Indian

C. Proof of Address (POA): List of documents admissible as Proof of Address: Embassy/Consulate General in the country where the client resides are permitted to (*Documents having an expiry date should be valid on the date of submission.) attest the documents.

Self attested copy of PAN card is mandatory for all clients in all type of change request.


F. Incase of Non-Individuals, additional documents tobe obtained from non-individuals, over & above the POI & POA, as mentioned below:

Types of entity

Corporate

Partnership firm

Trust

HUF

UnincorporatedAssociation or a body of individuals

Banks/Institutional Investors

Foreign InstitutionalInvestors (FII)

Army/Government Bodies

Registered Society

Documentary requirements

Copy of the balance sheets for the last 2 financial years (to be submitted every year)Copy of latest share holding pattern including list of all those holding control, either directly or indirectly, in the company in terms of SEBI takeover Regulations, duly certified by the company secretary/Whole time director/MD(to be submitted every year)Photograph, POI, POA, PAN and DIN numbers of whole time directors/two directors in charge of day to day operationsPhotograph, POI, POA, PAN of individual promoters holding control – either directly or indirectlyCopies of the Memorandum and Articles of Association and certificate of incorporationCopy of the Board Resolution for investment in securities marketAuthorised signatories list with specimen signatures

Copy of the balance sheets for the last 2 financial years (to be submitted every year)Certificate of registration (for registered partnership firms only)Copy of partnership deedAuthorised signatories list with specimen signaturesPhotograph, POI, POA, PAN of Partners

Copy of the balance sheets for the last 2 financial years (to be submitted every year)Certificate of registration (for registered trust only).Copy of Trust deedList of trustees certified by managing trustees/CAPhotograph, POI, POA, PAN of Trustees

PAN of HUFDeed of declaration of HUF/List of coparcenersBank pass-book/bank statement in the name of HUFPhotograph, POI, POA, PAN of Karta

Proof of Existence/Constitution documentResolution of the managing body & Power of Attorney granted to transact business on its behalfAuthorized signatories list with specimen signatures

Copy of the constitution/registration or annual report/balance sheet for the last 2 financial yearsAuthorized signatories list with specimen signatures

Copy of SEBI registration certificateAuthorized signatories list with specimen signatures

Self-certification on letterheadAuthorized signatories list with specimen signatures

Copy of Registration Certificate under Societies Registration ActList of Managing Committee membersCommittee resolution for persons authorised to act as authorised signatories with specimen signaturesTrue copy of Society Rules and Bye Laws certified by the Chairman/Secretary

••

•• •••

• ••••

••••

••••

•••

••

••

••

••••


THIRD PARTY DECLARATION FORM Date: DD/MM/YYYY

Bank Certification (in case of Demand Draft / Pay Order / Any other Prefunded instrument – issued from the Account of the

Investor)

To, Principal Mutual Fund We hereby confirm the following details regarding the instrument issued by us: Instrument Type (Please )

Demand Draft Pay Order Banker’s Cheque Other like Instrument (Please specify) ______________

Instrument No. Dated DD / MM / YYYY Instrument Amount (Rs.) In Favour of Payable At:

This instrument has been issued out of funds received from the below mentioned Bank Account: Bank Account No.

Account Type (Please )

Savings Current NRE NRO FCNR Others (Please specify)

Account Details Account Holder Name(s) PAN 1. 2. 3.

If the issuing bank branch is outside India:

I/We further declare that we are registered as a Bank / branch mentioned below;

Under the Regulator In the Country Registration No.

I / We confirm having carried out necessary Customer due diligence with regard to the Beneficiary and the source of the fund received, as per the standards of Anti Money Laundering Laws in our Country Branch Manager/Declarant(s) Signature: ……………………………………………………………………. Name: ______________________________________ Employee Code: _________ Address & Contact No.: ______________________________________ ______________________________________ _________________________ City: _________________________ State:____________________________ Bank & Branch Seal Postal code:___________________ Country:_________________________ (mandatory)

THIRD PARTY DECLARATION FORM Certification of Bank Date: DD/MM/YYYY

(in case of Demand Draft / Pay Order / Any other Prefunded instrument issued against Cash – less than

Rs.50,000/‐ only)

To, Principal Mutual Fund We hereby confirm the following details regarding the instrument issued by us: Instrument Details : Instrument Type (Please )

Demand Draft Pay Order Other like Instrument (Please specify) ______________

Instrument No. Dated DD / MM / YYYY Instrument Amount (Rs.) In Favour of Payable At:

Request received from: Name of the Requestor Address of the Requestor

PAN Branch Manager/Declarant(s) Signature: ……………………………………………………………………. Name: ______________________________________ Employee Code : ________ Address: ______________________________________ ______________________________________ _________________________ City: _________________________ State:____________________________ Bank & Branch Seal Postal code:___________________ Country:_________________________ (mandatory) Contact Number:

THIRD PARTY DECLARATION FORM Certification of Custodian on behalf of an FII or client

Date: DD/MM/YYYY

(Required on Custodian Letterhead only and should be enclosed with each payment)

To, Principal Mutual Fund I / We hereby confirm the following Application and Payment Details: Folio No. Application No. Beneficiary Applicant / Investor Name

Payment Mode (Please )

Cheque Bank Transfer RTGS NEFT Any other mode (please specify) __________________

Instrument No. Investment Amount Details of Bank & Branch Name, from which payment is made

Payment from Account No.

Name(s) of Account Holder

We are registered with SEBI bearing Registration no: __________________________, as a Custodian and this payment is issued by us in our capacity as Custodian to the Applicant and from the funds provided to us by the Applicant/Investor. Signature of Authorised Signatory (ies) _________________________ Name of Authorised Signatory(ies) _________________________ Income Tax PAN No (Custodian): _________________________ Registered Office / Correspondence Address of Custodian:_______________________________ ______________________________________________________________________________ ______________________________________________________________________________ City: ____________________________ State: ____________________________ Postal code: _________________ Country: _________________________ Enclosed Herewith (Please ) :

KYC Acknowledgement Letter of the Custodian KYC Acknowledgement Letter of the Client

THIRD PARTY DECLARATION FORM

Payment by Employer on behalf of Employee Date: DD/MM/YYYY (under Systematic Investments Plans or lumpsum / one time subscription through Payroll deductions)

Required on the Employer company letter head only

To, Principal Mutual Fund We hereby declare that pursuant to instructions received from the Employee(s), as per the list enclosed herewith, who is/ are the beneficial owner/s of the Investment made in Scheme(s) of Principal Mutual Fund, through Pay roll deduction. The Payment details for such investments are as per details provided here below : cheque no: _____________ dated ____________ drawn on ___________ (Name of the Bank / Branch). Signature of the Authorised Signatory(ies) _________________________ Name of Authorised Signatory(ies) _______________________________________________ Income Tax PAN no (Employer): _________________________ Stamp / Seal of the Employer : Enclosed Herewith (Please ) :

List of Employees with Code and signature authorizing such payroll deduction KYC Acknowledgement Letter of the Employer KYC Acknowledgement Letter of the Employee(s)

Date : DD/MM/YYYY

THIRD PARTY DECLARATION FORM

To, Principal Mutual Fund Payment by : Parent/Grand‐Parents/Related Persons In consideration of : Natural love and affection / gift Maximum Value : Less than Rs.50,000/‐ only

Application and Payment Details (all details are mandatory) : Folio No. Application No. Beneficiary Minor’s Name Investment Amount (Rs.) Cheque No. Dated DD / MM / YYYY Cheque Drawn on Bank Cheque Drawn on A/c No. Declaration and Signatures:

Particulars Parent/Grand‐Parents/Related Persons [Other than the

Registered Guardian in case of Minor]

Beneficiary Investor [Registered Guardian in case of

Minor]

Name Relationship with Minor / Beneficiary Investor

PAN KYC Acknowledgement Enclosed (Please )

Mandatory for any amount

Enclosed (Please )

Mandatory for any amount Declaration I hereby declare and confirm

that the minor/Investor stated above is the beneficial owner of the investment details mentioned above and such investment is on account of natural love and affection / gift towards.

I confirm that I am the Beneficial Investor / legal guardian of the Minor, registered in folio and have no objection to receiving these funds.

Signature

Contact No.

Page - 39

NOMINATION FORM

I/We do hereby nominate the undermentioned Nominee(s) to receive the Units allotted to my/our credit in my/our folio in the event of my/our death. I/We also

understand that all payments and settlements made to such Nominee(s) and Signature of the Nominee(s) acknowledging receipt thereof, shall be valid discharge by

Principal Pnb Asset Management Co. Pvt. Ltd. (AMC) / Principal Mutual Fund (Fund) / Principal Trustee Company Pvt. Ltd. (TC).

First Holder :

Second Holder :

Third Holder :

Common Account No. : Date

NOMINEE(S)

D D M M Y Y Y Y

Please (3)

Appointment of Nominee

Change in Nominee

Percentage of Investment Allocation (integer)

NAME OF FIRST NOMINEE Mr. Ms.

Date of Birth(In case of minor)

D D M M Y Y Y Y

Specimen Signature of Nominee / Guardian

%

ADDRESS OF FIRST NOMINEE / LEGAL GUARDIAN

NAME OF PARENT / LEGAL GUARDIAN (in case of minor) Mr. Ms.

City Pin Code

Maker Bhavan - II, 1st Floor, 18, Sir Vithaldas Thackersey Marg,New Marine Lines, Mumbai- 400 020.Toll Free - 1800 425 5600 • Fax: 022-2204 4990.Website: www.principalindia.com E-mail: [email protected]


NAME OF SECOND NOMINEE Mr. Ms.


D D M M Y Y Y Y


%

ADDRESS OF SECOND NOMINEE / LEGAL GUARDIAN


City Pin Code


NAME OF THIRD NOMINEE Mr. Ms.


D D M M Y Y Y Y


%

ADDRESS OF THIRD NOMINEE / LEGAL GUARDIAN


City Pin Code

Page - 40

SIGNATURE(S) OF THE UNIT HOLDER(S)

Name Signature and Date

First Unit Holder

Second Unit Holder

Third Unit Holder

The total percentage of investment allocation (across all Nominee/s) can not exceed 100%.

Principal Mutual FundExchange Plaza, ‘B’ Wing, 2nd Floor, NSE Building,Bandra Kurla Complex, Bandra (E),Mumbai - 400 051.(Not an Official Point of Acceptance)

For investment related enquiries, Investor Grievance please contact:Principal Mutual FundMaker Bhavan - II, 1st Floor, 18, Sir Vithaldas Thackersey Marg,New Marine Lines, Mumbai- 400 020.TOLL FREE: 1800 425 5600. Fax: 022-2204 4990.Email : [email protected] • Website : www.principalindia.com

INSTRUCTIONS FOR FILLING NOMINATION FORM

(1) Nomination shall be maintained at folio / account level and shall be applicable for investments in all schemes in the folio / account. For existing investors Folio No., is mandatory, in absence ofwhich the form is liable to be rejected.

(2) Nomination can be made only by individuals applying for / holding units on their own behalf singly or jointly.

(3) Nomination shall not be allowed in a Folio held on behalf of a Minor. Non-individuals including society, trust, body corporate, partnership firm, Karta of Hindu Undivided Family, holder of Powerof Attorney cannot nominate.

(4) Where a Folio has Joint Holders, all Joint Holders should sign the request for nomination/cancellation of nomination even if the mode of holding is not "Joint".

(5) Minor(s) can be nominated and in that event, the name and address of the guardian of the minor nominee(s) shall be provided by the unit holder. Nomination can also be in favour of the CentralGovernment, State Government, Local authority any person designated by virtue of his office or a religious or charitable trust.

(6) The Nominee shall not be a trust other than religious/charitable trust, society, body corporate, partnership firm, Karta of Hindu Undivided Family or a Power of Attorney holder. A non-residentIndian can be a Nominee subject to the exchange controls in force, from time to time.

(7) Nomination in respect of the units stands rescinded upon the transfer of units.

(8) Nomination can be made for maximum number of three nominees. In case of multiple nominees, the percentage of allocation/share in favour of each of the nominees should be indicatedagainst their name and their allocation/share should be in whole numbers without any decimals making a total of 100 percent.

In the event of the Unitholders not indicating the percentage of allocation/share in favour of each of the nominees, Principal Mutual Fund / Principal Pnb Asset Management Company PrivateLimited (AMC), by invoking default option shall settle the claim equally amongst all the nominees.

(9) Transfer of units / payment of redemption proceeds, in favour of a Nominee shall be valid discharge by the AMC against the legal heirs.

(10) The cancellation / change of nomination can be made only by those individuals who hold units on their own behalf singly or jointly.

(11) On cancellation of the nomination, the nomination shall stand rescinded and the Asset Management Company shall not be under any obligation to transfer the units in favour of suchNominee(s).

(12) Every new nomination for a folio / account will overwrite the existing nomination.

PERSONAL IDENTIFICATION NUMBER (PIN)

APPLICATION FORM FOR INTERNET SERVICE ACCESS

Date D D M M Y Y Y Y

Sole / 1st Holder Name :

2nd Holder Name :

3rd Holder Name :

Account Number :

*E-mail ID : Mobile No.:

Note: This Personal Identification Number (PIN) will be issued only for Folio's where all the holders to the account are KYC compliant. Where KYC is not beenupdated, investor are advised to attach the relevant KYC acknowledgement to this PIN application form during submission.

Please complete this application form in case you wish to avail the Internet Services Access facility. Subject to your signing the agreement you will be given anindividual Personal Identification Number (PIN) which will allow you to access the above mentioned facility. Please go through the terms and conditions mentionedbelow before signing the agreement.

1. I/We agree and accept the services provided by Karvy Computershare Pvt. Ltd. (Registrar & Transfer agents of Principal Mutual Fund herein referred to as 'Registrar') and Principal Pnb AssetManagement Company Pvt. Ltd. ('Principal') at my/our request to carry out Internet Service Access on my/our account and any other service from time to time and that my details as registered formy account, for which Email ID is provided, would also be applicable for Internet Service facility.

2. I/We am/are aware that in connection with such facilities, I/We am/are required to identify myself/ourselves to the Internet Services Access system using my/our PERSONAL IDENTIFICATIONNUMBER (PIN), I/We further agree that my/our PIN is confidential in nature and use of the same is restricted/known to me/us only.

3. I/We undertake to report the loss of my/our PIN to Registrar immediately upon discovery of the loss. I/We also undertake to inform Registrar immediately if for any reason circumstances. I/We shallrequest a new PIN from Registrar.

4. I/We agree, in case of accounts opened in the names of minors, the legal guardian of the minor undertakes to give all instructions relating to the operation of the account and further undertakes notto reveal the PIN to the minor. I/We agree that if the PIN is revealed to the minor or any other person, then I/We shall be liable for any resulting/consequential loss.

5. I/We unconditionally agree that, I/We shall NOT hold the Registrar/Principal liable for:• such transactions that are carried out on my/our Internet instructions and are believed as genuine by Registrar/Principal to have been done in good faith.• such transactions that are carried out on my/our Internet instructions which emanate from unauthorised individuals who have gained knowledge of my/our confidential PIN.• not carrying out any such instructions where the Registrar/Principal has reason to believe (which decision I/We shall not question or dispute) that the instructions are not genuine or are

otherwise improper, unclear, vague or raise a doubt.• accepting instructions given by any one of us in case of joint accounts.• not verifying the identity of the person giving the Internet instructions in my/our name.• for any loss or damage incurred or suffered by me/us due to any error, defect, failure or interruption in the provision of Internet services access arising from or caused by any reason whatsoever.• if necessary, initiating adjustments to correct any errors in credit/payments/such entries or otherwise made• withdrawing/suspending the facility wholly/partially without prior notice to me/us.

6. I/We agree and undertake to ensure that there would be sufficient balance in my/our folio from time to time, for effecting the transactions as directed over the phone, as and when applicable.7. I/We agree to indemnify the Registrar/Principal for all liabilities, losses, damages and expenses and which the Registrar/Principal may sustain or incur either directly or indirectly as a result of:

• my/our negligence/mistake or misconduct or the negligence/mistake or misconduct of any of my/our employee or agents.• my/our breach of agreement or non-compliance of the rules/terms and conditions relating to Internet Services Access.• fraud or dishonesty relating to any transaction by my/our employees or agents.• providing me/us the Internet Transaction facility or by reason of Registrar in good faith taking or refusing to take or omitting to take action on my/our instruction(s).• the information contained in the faxed outputs or statements is/turns out to be inaccurate/incorrect.• non-compliance by the Registrar/Principal of my/our instructions due to inadequacy of units.

8. I/We authorise you to record our telephone calls, as and when applicable. Further, I/We agree that the record of the instructions given and transactions concluded over the Internet shall beconclusive proof and binding for all purposes and can be used as evidence in any proceedings.

9. I/We agree that the Registrar/Principal can terminate the Internet Services Access granted to me/us without prior notice on occurrence of any of the following events:• non-compliance of the terms and conditions set forth• non-compliance of any other agreement entered into with the Registrar/Principal• death, insolvency or bankruptcy of me/us• any other cause arising out of operation of law• closing of account.

10. I/We agree to give Registrar seven days’ notice in writting and obtain a receipt thereof in order to terminate the Internet Transaction services availed by me/us.11. I/We agree that

• all transactions other than those which are executed instantaneously by the Internet services access system, that is those requiring processing by the Registrar will be carried out only duringbusiness hours and the value dates, if any, will follow the operating hours/days as per the Statement of Additional Information / Scheme Information Document of the respective Schemes.

• Registrar is at liberty to withdraw at any time the Internet Services access facility, or any services provided thereunder, in respect of any or all the account(s) without assigning any reasonwhatsoever, without giving me/us any notice.

• Charges, if any, for the Internet services access facility will be the sole discretion of the Registrar/Principal who are at liberty to vary the same from time to time, without giving any notice.• In case of a dispute, the matter will be settled by the arbitration as per the rules of the Indian Arbitration and Conciliation Act, 1996. Further that the Managing Director of Principal or any other

person nominated by him will be the sole arbitrator and that the place of arbitration will be Mumbai.• that the terms and conditions will be governed by Indian Laws and, the Courts at Mumbai shall alone have jurisdiction.

Declaration

I/We have read and understood the terms and conditions detailed below. I/We accept and agree to be bound by the said Termsand Conditions and to any changes made therein from time to time.

Signature of 1st Holder Signature of 2nd Holder Signature of 3rd Holder

For Registrars use only

Terms & Condition

Investor Service Centre Date Pin generation Date Signature Verified

Date

dd mm yyyy

Exchange Plaza, ‘B’ wing, Ground Floor, NSE Building,Bandra Kurla Complex, Bandra (East), Mumbai - 400 051.Toll Free - 1800 425 5600 • Fax: 022-6772 0512.Website: www.principalindia.com • E-mail: [email protected]

In case already not provided

PAN* KYC Acknowledgement Letter*



[* Indicates Mandatory]

SELECTION OR CHANGE OFTRIGGER/ALERT

Date D D M M Y Y Y Y

Name of Sole / First Holder

Name of Joint Holder 2

Name of Joint Holder 3

Account No.

I/We wish to opt for/revise Trigger / Alert option as indicated here below. Please note the following:• Under Trigger option, action selected in Section B will be carried out when criteria specified in Section A is reached.• Under Alert Option, only a notification will be sent when criteria specified in Section A is reached.• Request for all Triggers except under section A(1) below will be carried out only after expiry of the relevant scheme specific investment lock-in period/s.• Only one Trigger can be selected per transaction for a Scheme, Plan & Option.• Kindly note that Trigger/Alert including any modifications thereto shall be activated only when the activation request is captured in the records of the Principal

Pnb Asset Management Co. Pvt. Ltd. (AMC)• Subject to the immediately preceding condition, Trigger/Alert will be considered only in respect of units held.• In case of sweep or switch into another Scheme of AMC pursuant to election of a Trigger option, the same shall be subject to the terms/ features, including load

structure etc., of such other elected Scheme.• Please do not fill systematic switch or systematic withdrawal Form(s) if triggers are to be linked with systematic switch and/ or systematic withdrawal.• A Trigger / Alert once activated will not be deactivated unless advised in writing.• In case if the investor does not specify the end month the SWP shall be active only upto such date that the funds are available.

SECTION A

Trigger / Alert Type Please (�)(Any one)

Details Percentage

2. Investment Value

Trigger Alert

Rs. eg. Rs. 11000

Trigger/Alert will be activated when your investment valueincreases from Rs. 10000 to Rs. 11000

%

(�) (�) (�)

Rise

#

Fall

#

Rise

or Fall

#

3. Capital Appreciation

Trigger Alert

Rs. eg. Rs. 1000

Trigger/Alert will be activated when your capital of Rs. 10000appreciates by Rs. 1000

%eg. 10%Trigger/Alert will be activated when your investment value appreciates by 10%

O R

4. NAV

Trigger Alert

Rs. eg. Rs. 11

Trigger/Alert will be activated when the NAV of the selectedscheme, plan, option of your investment become Rs. 11

%eg. 10%Trigger/Alert will be activated when the NAV appreciates by 10%

5. BSE Sensex

Trigger Alert

Points eg. Points 15000

Trigger/Alert will be activated when the BSE Sensex reaches15000 points

%eg. 10%Trigger/Alert will be activated when the BSE Sensex Rises or Falls 10% points

6. NSE NIFTY

Trigger AlertRs. eg. Rs. 5000

Trigger/Alert will be activated when the NSE Nifty reaches 4500points

%eg. 10%Trigger/Alert will be activated when the NSE Nifty Falls 10% points

7. On Date

Trigger Alert eg. 08-11-2010Trigger/Alert will be activated on 08-Nov-2010

DD MM YYYY

The example (eg.) given above is based on initial investment of Rs. 10,000 at NAV of Rs. 10. #Rise, Fall & Rise or Fall is applicable only for percentage change.* Available only in Principal Tax Savings Fund and Principal Personal Tax Saver Fund

(�) Rise

(�) Rise

(�) Rise

(�) Rise

(�) Rise

O R

O R

O R

O R

Trigger/Alert will be activated when your investment value appreciates by 10%

Rs. eg. Rs. 11000

Trigger/Alert shall be activated as and when Dividend isdeclared

eg. 10%

1. Dividend *

Trigger Alert

%

Trigger/Alert will be activated when your investment value appreciates by 10%eg. 10%

O R

SECTION B (To be filled only in case of Trigger option)Please (�) any one

Sweep into Scheme Option

Full Redemption OR Redemption of Gains only ORSweep Dividend into Scheme Option:Full Switch into Scheme Option: ORSwitch of only Gains into Scheme Option: ORFull Redemption: Original investment amount reinvested in Scheme Option: and gains paid ORFull Redemption: Gains reinvested in Scheme Option: and Original investment amount paid ORRedeem No. of units OR Redeem Amount Rs.

Sweep of dividend into the same scheme will not attract any entry load.If only gains are to be redeemed or switched, then please specify whether the relevant Trigger opted for remains alive for subsequent activation on the original investments until advised; please (3) Yes No

Declaration:I/We understand that the contents of this form shall be deemed to be part and parcel of the main Application Form and further that if the above triggers/alerts are not activated and/or implemented dueto any reason whatsoever, I/We would not hold the AMC responsible. Further if necessary the AMC may at its discretion initiate and carry out any adjustments to correct any credit/payment/switch entriesor otherwise, made erroneously to me/us.I/we understand the AMC reserves the right to amend/terminate this facility for Trigger/Alert at any pointI/We understand that if the above triggers are not activated and/or implemented due to any reason whatsoever, I/We would not hold the AMC responsible. This authority shall remain in effect until revokedby me/us in writing. I/We further understand that the contents of this form an integral part of the main application form.

Signature of 3rd HolderSignature of 2nd HolderSignature of 1st Holder

Transaction Date(Date of Allotment)

D D M M Y Y Y Y

Maker Bhavan - II, 1st Floor, 18, Sir Vithaldas Thackersey Marg,New Marine Lines, Mumbai- 400 020.Toll Free - 1800 22 5600 • Fax: 022-2204 4990.Website: www.principalindia.com E-mail: [email protected]

Date : To, Principal Mutual Fund ___________________

Dear Sir, Subject: Change in Guardian

Ref.: Folio No. : Name : ____________________________________________

With reference to the above account, I/we, as account holder’s, would request you to update my name as new Gurdian in your records. I am herewith enclosing requested documents as follows: Please tick ()

Notarized copy or attested copy of death certificate of the deceased guardian, in case of demise of existing guardian. The attestation may also be done by a special executive magistrate, AMC authorized official or manager of a schedule bank

No objection (NOC) letter from the existing guardian in case of change with mutual consent or court order

KYC acknowledgment of New Guardian

The new guardian must be a natural guardian (i.e. father or mother) or a court appointed legal guardian. In case of court appointed legal guardian, supporting documentary evidence shall be obtained

Relationship evidence documents: (any one)

Birth certificate of the minor Passport of the minor

Any other suitable proof evidencing the relationship

School leaving certificate / mark sheet of Higher Secondary Board of respective states, ICSE, CBSE etc.

Signature attestation of new guardian by banker (a bank account of the minor where the new guardian is registered as the under guardian) is provided below:

Specimen Signature: ______________________

Bankers Attestation*:

Attested By (Name) Designation Employee Code Signature & Bank Stamp


Signature of New Guardian


ICICI LOMBARD GENERAL INSURANCE COMPANY LIMITEDRegd. Office: ICICI Bank Towers, Bandra Kurla Complex, Bandra (East), Mumbai – 400 051

CLAIM FORM FOR PERSONAL ACCIDENT INSURANCE(The issue of this form is not to be taken as an Admission of Liability)

PLEASE ANSWER ALL QUESTIONS FULLY

1. DETAILS OF INSURED(I) Name

(ii) Address for Correspondence

(iii) Contact No.

2. DETAILS OF INJURED/ DECEASED PERSON(i) Name

(ii) Address

(iii) Age

(iv) Designation

(v) Date & time of injury/death

(vi) Place of injury/ death

(vii) Details of the accident

(viii) Whether reported to Police. Yes/ No

(ix) If yes then name and address of Police Station.

3. Was the injured /deceased person moved to hospital immediately after the accident?If yes , Name & address of the hospital

Yes/ No

4. Do you have any other Personal Accident Policy?

If yes, please give :

(i) Address of the issuing office

(ii) Policy No.

(iii) Period

Declaration

I hereby agree, affirm and declare that:

(a) The statements/information given/stated by me/us in this claim form are true, correct and complete.

(b) No material information which is relevant to the processing of the claim or which in any manner has a bearing on the claim has been withheld or not disclosed.

(c) If I have given/made any false or fraudulent statement/information, or suppressed or concealed or in any manner failed to disclose material information, the policy shall be void and that I shall not be entitled to all/any rights to recover thereunder in respect of any or all claims, past, present or future.

(d) The receipt of this claim form/other supporting/related documents does not constitute or be deemed to constitute an agreement by the Company of the claim and the Company reserves the right to process or reject or require further/additional information in respect of the claim.

PlaceDate Signature of the Injured Person

(To be filled in by the Employer/Insured)

1. Was the injured person in respect of whom claims being made absent from work?

If so, please furnish the details of such absence.

Yes/No

I / We hereby declare that the particulars made by the injured person in the claim from are true to the best of our knowledge and belief.

Place :Date : Signature of the Insured

SECTION II (TO BE COMPLETED BY HOSPITAL AUTHORITIES)

1. Name and address of the hospital

2. Date of admission (As in patient / out patient / emergency case)

3. Date of discharge

4.(i)

Nature of injury

(ii) Particulars of treatment

5. (i) Has the accident resulted into loss of hand/s or foot/feet or eye/s or permanent disability of any other type which may prevent the insured from engaging in or being occupied with or giving attention to any employment or occupation whatsoever?

Yes / No

(ii) If yes, please give details

Signature of the competent Authority of Hospital / Nursing Home

Date: Name:

Official Seal of the Hospital: Designation:

SECTION III (TO BE COMPLETED BY NOMINEE IN THE EVENT OF INSURED’S DEATH)1. Details of Nominee

(i) Full Name

(ii) Address

(iii) Age

(iv) Relationship with the deceased

Date:Place: Signature of the Nominee2. Please attach the following

documents(i) Death Certificate

(ii) Post Mortem Report

(iii) Original Policy document with receipt

Declaration to be signed by the Insured/ claimant or by the Nominee (in the event of Insured’s death).

I/WE HEREBY DECLARE and warrant the truth of the foregoing particulars in every respect. I / We agree that if I / we have made or shall make false or untrue statement, suppression or concealment, my/our right to compensation shall be forfeited.

I/we also here by declare that I am /we are accepting the amount in full discharge of your obligations under the policy to the Insured Person and / or his/her legal heirs. I/We will hold you indemnified in the event of any claim under this policy being made against you by any other person or persons.

Date:

Place: Signature of the Nominee

To

(Name and Address of Disbursing Agency) (X)

Sir,

Sub : Application for loan of Rs._____________ against _________ units of

___________________________ (name of the scheme) of Principal Mutual Fund

(X)

(X)

* We hereby request you for loan of Rs._____________ (Rupees

___________________________________ only) for application for investment in the units of

_____________________________ (name of the Scheme) issued by Principal Mutual Fund

* We are holders of ___________ number of units of ________________________ (name of the

scheme) issued by Principal Mutual Fund. We hereby request you for loan of Rs.__________

(Rupees ____________________________________ only).

The repayment of the loan will be secured first by repayment by me in full in _______ months and

balance (if any) by way of redemption value of the said units (including any accretions/accruals

thereon).

We are willing to sign such documents as may be required by you for the loan, if granted.

Thanking you in anticipation,

Yours truly,

(XX)

* Strike off if not applicable

(X)

(X)

(X)

(X)

(X)

(X)

LETTER OF AUTHORITY FOR LIEN

Date : (X)

Principal Mutual Fund

Exchange Plaza, 2nd

Floor, B wing

National Stock Exchange Building’

Bandra Kurla Complex

Bandra East

Mumbai 400 051.

Dear Sirs,

Sub : Lien against Units of Principal Mutual Fund

Folio No. :

Scheme Name :

Plan – Dividend / Growth :

No. of Units :

In consideration of _____________________________ (name of disbursing agency)

_____________________________________ (address of disbursing agency) agreeing to grant

me/us a loan against the security of __________________________ (number of units) Units of

Principal __________________ (name of scheme) issued by Principal Mutual Fund of which I/we

am/are the applicant/s and holder/s and on the understanding that the disbursing agency is being

given necessary authority to ask Principal Mutual Fund to note a lien in the favour of the

disbursing agency against these Units in the books of Principal Mutual Fund, I/we hereby

authorise Principal Mutual Fund to note a lien against the Units mentioned herein, in favour of the

disbursing agency till the same is vacated by the disbursing agency as expressed in a letter.

* Please note the change in my bank mandate for crediting the redemption or any other benefits

on account of units under lien.

Bank Name :

Account Type :

Account Number :

Bank address :

* Till the pendency of lien against the units mentioned herein any benefits in the nature of

dividend, interest, bonuses, rights or any other sum(s) and/or income including any accretions /

accruals arising from the units under lien be paid to the credit in favour of the disbursing

agency (under intimation to me/us) as part (or otherwise) repayment of the loans/advances

availed by me/us.

Further, this letter also authorises Principal Mutual Fund to pay the value (Net Asset Value of the

said number of Units on the date of the disbursing agency’s request) of the said Units including

any accretions/accruals thereon to the said disbursing agency in case of my/our default in

repayment of the loans/advances availed by me/us, on such communication demand and on

production of redemption request duly signed by me/us by the disbursing agency in that effect.

This letter also further authorises Principal Mutual Fund to register the name of the disbursing

agency as the legitimate owner/holder of the said number of units on the date of the disbursing

agency’s request (including any accretions/accruals thereon) in case of my/our default in

repayment of the loans/advances availed by me/us on such communication, demand produced by

the disbursing agency.

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This authority as stated above in your favour shall not be revoked by me/us except with the prior

approval of the disbursing agency in writing.

Yours faithfully,

Name Signature

1st

Holder

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2nd

Holder

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3rd

Holder

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Note : The repurchase form (available at Karvy Investor Service Centres/appearing on the Account

Statement) should be filled in and signed by all the holders and should be submitted to the disbursing agency

with a copy of this letter. This letter should be sent to the office of the Registrars stated above by the

disbursing agency to note a lien.

Strike off if not applicable

LETTER TO BE FORWARDED BY DISBURSING AGENCY TO PRINCIPAL AMC.

(On Disbursing Agency’s Letterhead)

Date : (X)

Principal Mutual Fund

Exchange Plaza, 2nd

Floor, B wing

National Stock Exchange Building’

Bandra Kurla Complex

Bandra East

Mumbai 400 051.

Dear Sirs,

Sub : * Processing of redemption request / * Vacation of Lien / * Registration of Units

Folio No. :

Scheme Name :

Plan - Dividend / Growth :

No. of Units :

Please refer to the letter dated ________________ authorising Principal Mutual Fund to note a

lien against the _____________ units of the scheme registered in the name of

_______________________ (name of unitholder) in our favour till the same is vacated by us or

the units transferred to our account as expressed in this letter.

* Please process the redemption request put in by the unitholder and transfer the proceeds in

our favour the details of which are as stated below. On the credit of the redemption proceeds

into our Current Account, we would no longer hold any right, title, claim or interest in

respect of the said units and accordingly instruct you to revoke/cancel the pledge for the

redeemed units noted in your records.

Amount : _______________________________________

Cheque in favour of : _______________________________________

Account No. : _______________________________________

Cheque to be sent to : _______________________________________

(address of location where _______________________________________

cheque is to be sent)

* The above named unitholders have since paid the full amount of the loans/advances availed

by them/granted by us along with the financial charges/interest thereon. Accordingly, we

now no longer hold any right, title, claim or interest in respect of the said units and thus

instruct you to revoke/cancel the pledge for the said units noted in your records.

* Please arrange to transfer the said units to our account by registering the units in our favour

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the details of which are as stated below. On we becoming holders of the units, we would be

entitled to all right, title, claim or interest in respect of the said units and accordingly instruct

you to revoke/cancel the pledge for the units now being registered in our favour in your

records.

Units to be registered in favour of : _____________________

Bank Mandate details : _________________________________________

(account type and account no. _________________________________________

name and address of Bank) . _________________________________________

Account statement to be sent to : _________________________________________

and registered address ________________________________________

Kindly acknowledge receipt.

Thanking you,

(Authorised Signatories)

* Strike off which is not applicable

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