1. The scheme offers three Plans for investment - Short Term Bond Plan, Long Term Bond Plan and FlexiAsset Plan. All Plans have Growth and Dividend Options. The returns under the Growth option to be through capital appreciation only.
2. The Short Term Bond Plan invests its entire corpus only in investment grade debt instruments such as Government Securities, Corporate Bonds and Debentures and Money Market instruments. The Dividend option under the Short Term Bond Plan endeavours to declare dividends on a monthly basis subject to the availability of distributable surplus. Investments in Corporate Bonds and Debentures to be in instruments with maturity not exceeding five years. However, the average maturity of the scheme under normal market conditions would be around 365 days and will be an ideal investment avenue for investors with an investment horizon of six months to one year.
3. The Long Term Bond Plan will be investing its entire corpus only in investment grade debt instruments such as Government Securities, Corporate Bonds and Debentures and Money Market instruments. The Dividend option under the Long Term Bond Plan would endeavour to declare dividends on a quarterly basis subject to the availability of distributable surplus. Under this Plan, the average maturity of the scheme under normal market conditions will be above 3 years and would be an ideal investment avenue for investors with an investment horizon of more than one year (atleast eighteen months).
4. The FlexiAsset Plan to follow an Asset Allocation Model wherein depending on market conditions/based on certain triggers, the Fund Manager can take a view on the percentage of investments that can be allocated to equity. This Plan would have a minimum of 10% investment in equity related instruments which can be increased up to 80% depending on market fundamentals. The investment universe for equity stocks will be limited to such equity stocks that form a part of BSE-100.
5. Minimum Investment - Rs. 50,000 and multiples of Rs. 1,000. No maximum limit.

Flexi Asset Plan

Entry Load : Investments below Rs. 5 crores – 2.25% Investments of Rs.5 crores and above – NIL" SIP/STP - 2.25%

Exit Load: Investments below Rs.5 crores < 6 months - 1.00% 6 months and < 12 months - 0.50%

Investments of Rs.5 crores and above - NIL

SIP /STP-< 6 months from the date of investment of each instalment - 1.00%

SIP : Minimum amount Rs.500/month - 12 months Rs.1000/month - 6months, Rs.1500/quarter - 12 months

STP : Minimum amount Rs.1000/- month - minimum period of 6 months Rs.3000/ Quarter - minimum period of 6 months

Inter scheme switches to other equity schemes will not carry an Entry Load. However exit load will be applicable.

Short Term and Long Term Bond Plan

Entry Load : Nil

Exit Load : Short Term Bond Plan : Nil,Long Term Bond Plan : Within 6 months : 0.50%

SIP/STP- As applicable to the normal transaction in the respective Debt Schemes

SIP : Minimum amount Rs.500/month - 12 months Rs.1000/month - 6months, Rs.1500/quarter - 12 months

STP : Minimum amount Rs.1000/- month - 6 months ,Rs.3000/ Quarter - 6 months

In respect of STP transactions, an investor would now be permitted to transfer any amount from the switch-out scheme, subject to a minimum transfer of Rs.1000 pm or Rs.3000 per quarter, without any restriction on maintaining the minimum balance requirement as stipulated for the switch out scheme. The minimum period for STP will be atleast 6 months.

Please read the Offer Document before investing.

This 100% debt fund, offers benefits of investment in a high quality bond portfolio, with liquidity and tax efficiency of returns. The main features of the scheme are:

• A 100% debt fund, investing in high-quality debt instruments
• Open ended from December 1998
• Minimum investment of Rs. 2000
• Entry Load : Nil
• Exit Load : Up Rs. 50 lacs : 0.5%; upto 6 months. Above Rs. 50 lacs : Nil
• SIP/STP- As applicable to the normal transaction in the respective Debt Schemes
• SIP : Minimum amount Rs.500/month - 12 months Rs.1000/month - 6months, Rs.1500/quarter - 12 months
• STP : Minimum amount Rs.1000/- month - 6 months ,Rs.3000/ Quarter - 6 months

In respect of STP transactions, an investor would now be permitted to transfer any amount from the switch-out scheme, subject to a minimum transfer of Rs.1000 pm or Rs.3000 per quarter, without any restriction on maintaining the minimum balance requirement as stipulated for the switch out scheme. The minimum period for STP will be atleast 6 months.

Please read the Offer Document before investing.

This is the ideal vehicle to provide for the future needs of your child, be it Education or marriage. Under this scheme, your money is invested using what is called the 80:20 principle. This means that 80% of your savings is put into debt instruments, ensuring stability and security in a volatile market. The balance 20% can ride the crest of the equity market to maximize returns. The ratio can be altered to 75:25 depending on market conditions.

• Minimum Investment of Rs. 1500 only and in multiples of Rs. 100 - no maximum limit.
• Entry Load : 1.50%
• SIP /STP - Nil
• Exit Load : Within 1 year : 3%; within 2 years : 2%; Within 3 years:1%
• SIP /STP- As applicable to the normal transaction in the respective Debt Schemes
• SIP : Minimum amount Rs.500/month - 12 months Rs.1000/month - 6months, Rs.1500/quarter - 12 months
• STP : Minimum amount Rs.1000/- month - 6 months ,Rs.3000/ Quarter - 6 months

In respect of STP transactions, an investor would now be permitted to transfer any amount from the switch-out scheme, subject to a minimum transfer of Rs.1000 pm or Rs.3000 per quarter, without any restriction on maintaining the minimum balance requirement as stipulated for the switch out scheme. The minimum period for STP will be atleast 6 months.

Please read the Offer Document before investing.

This Open-end debt fund has investments of atleast in 85% in debt instruments and not more than 15% in equity. Endeavor to provide regular income to investors, this fund is suitable, both as a source of monthly income or to supplement regular income. The main features of the scheme are:

• Open-end debt fund investing atleast in 85% debt and not more than 15% in equity
• Entry Load : Nil
• Exit Load : Investment upto Rs. 50 lacs : 0.50% for exit within 6 months from date of investment investiments above Rs. 50 lacs : Nil
• SIP/STP- As applicable to the normal transaction in the respective Debt Schemes
• SIP : Minimum amount Rs.500/month - 12 months Rs.1000/month - 6months, Rs.1500/quarter - 12 months
• STP : Minimum amount Rs.1000/- month - 6 months ,Rs.3000/ Quarter - 6 months

In respect of STP transactions, an investor would now be permitted to transfer any amount from the switch-out scheme, subject to a minimum transfer of Rs.1000 pm or Rs.3000 per quarter, without any restriction on maintaining the minimum balance requirement as stipulated for the switch out scheme. The minimum period for STP will be atleast 6 months.

Please read the Offer Document before investing.

Dedicated fund to investing in Government of India Securities and hence carries Zero Credit Risk, with a choice of 2 plans

• Short-term plan
• Long-term plan

The scheme offers Monthly dividend option in short-term plan and Quarterly dividend option in long-term plan with Growth option available in both plans. Minimum investment of Rs. 25,000 in growth option and Rs. 100,000 in dividend option. Ideal for investors seeking moderate returns with security of sovereign assurance. For tax efficient returns, Systematic Withdrawal Plan (SWP) available under the Growth Option under which Post-Dated Cheques payable at par is issued to the optees of SWP.

• Entry Load : Nil
• Exit Load : Regular Plan (Long Term) - CDSC of 0.25% for exit within 90 days from date of investment; Regular Plan (Short Term) - CDSC of 0.15% for exit within 15 days from date of investment PF (Fixed Period ), Plan: 1 year : 0.25% within 1 year from the date of investment; 2 year 0.7% within 1 year, 0.35% between 1 to 2 yearl 3 year 0.90% within 1 year from the date of investment 0.45% between 1 to 2 year, Nil thereafter
• SIP/STP- As applicable to the normal transaction in the respective Debt Schemes
• SIP : Growth option Rs.2500/month - 12 months Rs.5000/month – 6months Rs.7500/quarter - 12 months; Dividend option Rs.10000/month - 12 months Rs.20000/month - 6months Rs.30000/quarter - 12 month

Please read the Offer Document before investing.

1. The scheme has two Plans for investment - Savings Plan and Investment Plan. Both Plans have Growth and Dividend Options
2. The Savings Plan invests its entire corpus only in investment grade debt instruments such as Government Securities, Corporate Bonds and Debentures and Money Market instruments. The Investment Plan invests at least 80% of its corpus in investment grade Debt instruments and Money market instruments and the balance are invested in stocks. The stocks will be selected from the BSE 100 index only.
3. The Dividend option under the both the Plans endeavours to declare dividends on a quarterly basis subject to the availability of distributable surplus and at the discretion of the Fund Manager. The returns under the Growth Plan will be through capital appreciation only.
4. Entry Load : Nil
5. Exit Load : 1% of exit load within 6 months and 0.5% of exit load within 1 year
6. SIP/STP As applicable to the normal transaction in the respective Debt Schemes
7. SIP : Minimum amount Rs.500/month - 12 months Rs.1000/month - 6months, Rs.1500/quarter - 12 months
8. STP : Minimum amount Rs.1000/- month - 6 months ,Rs.3000/ Quarter - 6 months

In respect of STP transactions, an investor would now be permitted to transfer any amount from the switch-out scheme, subject to a minimum transfer of Rs.1000 pm or Rs.3000 per quarter, without any restriction on maintaining the minimum balance requirement as stipulated for the switch out scheme. The minimum period for STP will be atleast 6 months.

Please read the Offer Document before investing.

• Launch date - 9th November 2005
• Entry Load : Nil
• Exit Load : FRP-STP - < 1 month - 0.20% FRP-LTP (Institutional) Plan - Nil;
• FRP - Lt Regular Plan : 0.5% for exit within 6 months form the date of investment
• SIP/STP- As applicable to the normal transaction in the respective Debt Schemes
• SIP : Minimum amount Rs.500/month - 12 months Rs.1000/month - 6months, Rs.1500/quarter - 12 months
• STP : Minimum amount Rs.1000/- month - 6 months ,Rs.3000/ Quarter - 6 months

In respect of STP transactions, an investor would now be permitted to transfer any amount from the switch-out scheme, subject to a minimum transfer of Rs.1000 pm or Rs.3000 per quarter, without any restriction on maintaining the minimum balance requirement as stipulated for the switch out scheme. The minimum period for STP will be atleast 6 months.

Please read the Offer Document before investing.