KEY INFORMATION MEMORANDUM & COMMON ......KEY INFORMATION MEMORANDUM & COMMON APPLICATION FORM Continuous Offer of Units at Application NAV Open Ended Debt / Interval / Liquid Schemes

KEY INFORMATION MEMORANDUM & COMMON APPLICATION FORM

Continuous Offer of Units at Application NAV

Open Ended Debt / Interval / Liquid Schemes

LIC Nomura MF Interval Fund Monthly Plan-Series 1

LIC Nomura MF Interval Fund Quarterly Plan-Series 1

LIC Nomura MF Interval Fund Annual Plan - Series 1

LIC Nomura MF Interval Fund Quarterly Plan-Series 2

LIC Nomura MF Government Securities Fund

LIC Nomura MF Liquid Fund

LIC Nomura MF Income Plus

LIC Nomura MF Montly Income Plan

LIC Nomura MF Saving Plus

LIC Nomura MF Bond Fund

Sponsors : Trustee: Investment Management :

Life Insurance Corporation of India (LIC)Registered Office : Yogakshema Building,

Jeevan Bima Marg,

Nariman Point,

Mumbai - 400 021.

LIC Nomura Mutual Fund Trustee

Company Private Limited Registered Office:4th Floor, Industrial Assurance Building

Opp. Churchgate Station,

Mumbai - 400 020.

CIN NO : U65992MH2003PTC139955

LIC Nomura Mutual Fund Asset

Management Company Limited Registered Office: 4th Floor, Industrial Assurance Building,

Opp. Churchgate Station,

Mumbai - 400 020.

CIN NO : U67190MH1994PLC077858

This Key Information Memorandum (KIM) sets forth the information, which a prospective investor ought to know

before investing. For further details of the scheme / Mutual Fund, due diligence certificate by the AMC, Key Personnel, investors’ rights & services, risk factors, penalties & pending litigations, etc. investors should, before investment,

refer to the Scheme Information Document(s) (SID) and Statement of Additional Information (SAI) available free of

cost at any of the Investor Service Centers or distributors or from the website www.licnomuramf.com

The Scheme particulars have been prepared in accordance with Securities and Exchange Board of India (Mutual

Funds Regulations, 99 , as amended till date, and filed with Securities and Exchange Board of )ndia SEB) . The units being offered for public subscription have not been approved or disapproved by SEB), nor has SEB) certified the accuracy or adequacy of this KIM.

This Key Information Memorandum is dated June 26, 2015.

Toll Free No. 1800-258-5678

Mutual Fund Investments Are subject to Market Risk, Read All Scheme Related Documents Carefully.

E-mail: [email protected] Website: www.licnomuramf.com

KEY INFORMATION MEMORANDUM & COMMON APPLICATION FORM

Continuous Offer of Units at Applicable NAV

PRODUCT LABELINGTo provide investors an easy understanding of the kind of product /scheme they are investing in and its suitability to them, the

product labeling for the following schemes is as under:

NAME OF THE SCHEME THE PRODUCT IS SUITABLE FOR INVESTORS

WHO ARE SEEKING *

RISKOMETER

LIC Nomura MF Monthly Income Plan l Regular Income for short term

l Investment in Debt and Money Market )nstruments as well as Equity and Equity Related instruments

l Risk - Moderately High

LIC Nomura MF Savings Plus Fund l Regular Income for short term

l Investment in Debt/Money Market

Instruments

l Risk - Moderately Low

LIC Nomura MF Income Plus Plan l Regular income for short term

l Investment in Debt/Money Market

Instruments / Govt. Securities

l Risk – Moderately Low

LIC Nomura MF Interval Fund Monthly

Plan Series 1

l Regular income for short term

l Investment in Debt / Money Market

Instruments


LIC Nomura MF Interval Fund Quarterly

Plan - Series 1



Instruments


LIC Nomura MF Interval Fund Annual

Plan - Series 1



Instruments


LIC Nomura MF Interval Fund Quarterly

Plan - Series 2



Instruments


LIC Nomura MF Bond Fund l Regular income for long term


Instruments/Govt. Securities

l Risk - Moderate

LIC Nomura MF Government Securities

Fund

l Long term Capital Appreciation and current

income

l Investment in sovereign securities issued by

Central State Government

l Risk - Moderate

LIC Nomura MF Liquid Fund l Regular income for short term


Instruments

l Risk - Low

* Investors should consult their inancial advisors if in doubt whether the product is suitable for them.

1. LIC Nomura MF Liquid Fund (An Open Ended Liquid Scheme)

2. LIC Nomura MF Saving Plus (An Open Ended Debt Scheme)

Investment Objective An open ended scheme which seeks to generate reasonable returns with low risk and high liquidity through judicious mix of investment in money market instruments and quality debt instruments. The investment objective of the Scheme is to generate income by investing in a portfolio of quality short term debt securities.Asset Allocation Pattern for the Scheme:

Investments Indicative Allocation

(% of Corpus)

Risk Profile

Debt* 0-40% Low to MediumMoney mkt. 60-100% Low

*Debt securities includes securitised debt and Government Securities The above Asset Allocation Pattern is only indicative and not absolute. Fund manager of the scheme may change the same from time to time, keeping in view market conditions, market opportunities, applicable regulations and political and economic factors. (owever, these proportions will be in line with the investment objective and could be altered only for short term and on defensive consideration in order to protect the interest of the unitholders.)nvestment in Derivatives )nstrument will be in accordance with SEB) (MF) Regulations..


(% of Corpus)

Risk Profile

Debt /Money Market* Up to 100% Low to Medium*Debt securities includes securitised debt and Government Securities The above Asset Allocation Pattern is only indicative and not absolute. Fund manager of the scheme may change the same from time to time, keeping in view market conditions, market opportunities, applicable regulations and political and economic factors. (owever, these proportions will be in line with the investment objective and could be altered only for short term and on defensive consideration in order to protect the interest of the unitholders.)nvestment in Derivatives )nstrument will be in accordance with SEB) (MF) Regulations.

No. of Folios & AUM (As on 31/3/15)

Folios: 9152AUM in Crs: 5109.03


Plan and Option Plans 1.Regular 2.Direct

Options1.Dividend – Payout and Reinvestment.Growth Plans 1.Regular 2.Direct Options 1.Dividend – Payout and Reinvestment .Growth

Minimum Application Amount

` 5,000/- and in multiples of ` 500/- thereafter. ` 5,000/- and in multiples of ` 500/- thereafter.

Benchmark Index CR)S)L Liquid Fund )ndex CR)S)L Liquid Fund )ndexFund Manager Shri Kunal Jain Shri Killol Pandya

Performance of the Scheme (As on 31/3/2015)

Regular Plan - Growth Option

Compounded

Annualised Returns

Scheme Returns (%)^

Regular Growth

Bench Mark

Returns (%)

Last 1 year 8.94% 8.98%

Last 3 years 9.07% 8.98%

Last 5 years 8.47% 8.26%

Since inception 7.38% NA

^Past performance may or may not be sustained in the future.

Absolute Returns for each financial year for the last years

2014 -2015 2013 -2014 2012 -2013 2011 -2012 2010 -2011

LIQUID FUND 8.94% 9.26% 8.97% 8.80% 6.35%

CRISIL Liquid Fund Index 8.98% 9.46% 8.17% 8.44% 6.21%

0.00%2.00%4.00%6.00%8.00%

10.00%

Absolute Returns for each financial year for the last 5 years

^Past performance may or may not be sustained in the future. Direct Plan - Growth Option

Compounded

Annualised Returns

Scheme Returns (%)^

Regular Growth

Bench Mark

Returns (%)

Last 1 year 8.99% 8.98%

Last 3 years NA NA

Last 5 years NA NA

Since inception 9.11% 9.10%



2014 -2015 2013 -2014

LIQUID FUND 8.99% 9.33%

CRISIL Liquid Fund Index 8.98% 9.46%

8.60%8.80%9.00%9.20%9.40%9.60%



Compounded

Annualised Returns

Scheme Returns (%)^

Regular Growth

Bench Mark

Returns (%)

Last 1 year 8.59% 8.98%

Last 3 years 8.44% 8.89%

Last 5 years 7.94% 8.26%


^Past performance may or may not be sustained in the future. Absolute Returns for each financial year for the last years

2014 -2015 2013 -2014 2012 -2013 2011 -2012 2010 -2011

SAVINGS PLUS FUND 8.59% 8.43% 8.26% 8.20% 6.19%

Crisil Liquid fund Index 8.98% 9.46% 8.17% 8.44% 6.21%

0.00%2.00%4.00%6.00%8.00%

10.00%



Direct Plan - Growht Option

Compounded

Annualised Returns

Scheme Returns (%)^

Regular Growth

Bench Mark

Returns (%)

Last 1 year 9.47% 8.98%

Last 3 years NA NA

Last 5 years NA NA




SAVINGS PLUS FUND

Crisil Liquid fund Index

2014 -2015

9.47%

8.98%

2013 -2014

9.16%

9.46%

8.60%8.80%9.00%9.20%9.40%9.60%


Expenses of the Scheme:

(i)Load Structure Entry Load – NilExit Load - Nil. Entry Load – NilExit Load- Nil.(ii)Recurring Expenses Actual Expenses for the previous year =

Regular - 0.21% Direct - 0.17%Actual Expenses for the previous year = Regular - 1.48% Direct - 0.72%


3. LIC Nomura MF Bond Fund (An open ended debt scheme)

4. LIC Nomura MF Government Securities Fund (An Open Ended Gilt Scheme)

Investment Objective L)C NOMURA MF Bond fund an open-ended Debt Scheme, will endeavor to generate an attractive return for its investors by investing in a portfolio of quality debt securities and money market instruments.

The primary objective of the scheme is to generate credit risk free and reasonable returns for its investors through investments in sovereign securities issued by the central and /or state Government and /or any security unconditionally guaranteed by the central/ state government for repayment of Principal and interest and/or reverse repos in such securities as and when permitted by RB).

Asset Allocation Pattern for the Scheme:


(% of Corpus)

Risk Profile

Debt* 60-100% Low to MediumMoney mkt. 0-40% Low

*Debt securities includes securitised debt upto 30%The above Asset Allocation Pattern is only indicative and not absolute. Fund manager of the scheme may change the same from time to time, keeping in view market conditions, market opportunities, applicable regulations and political and economic factors. (owever, these proportions will be in line with the investment objective and could be altered only for short term and on defensive consideration in order to protect the interest of the unitholders.)nvestment in Derivatives )nstrument will be in accordance with SEBI (MF) Regulations.

Investments Indicative

Allocation

(% of Corpus)

Deviation (%)

from Normal

allocation

Risk Profile

G-sec instruments Upto 100% - LowDebt* / Money mkt.

Upto 40 % 25%Low to

Medium

*Debt securities includes securitised debt and Government Securities The above Asset Allocation Pattern is only indicative and not absolute. Fund manager of the scheme may change the same from time to time, keeping in view market conditions, market opportunities, applicable regulations and political and economic factors. (owever, these proportions will be in line with the investment objective and could be altered only for short term and on defensive consideration in order to protect the interest of the unitholders.)nvestment in Derivatives )nstrument will be in accordance with SEB) (MF) Regulations.




Plan and Option Plans 1. Regular 2. Direct

Options 1.Dividend – Payout and Reinvestment .Growth Plans 1.Regular 2.Direct Options 1. Dividend – Payout and Reinvestment . Growth


` 5,000/- and in multiples of ` 500/- thereafter. ` 10,000/- and in multiples of ` 1000/- thereafter.

Benchmark Index CR)S)L Composite Bond Fund )ndex )-Sec Composite )ndexFund Manager Shri Killol Pandya Shri Kunal Jain



Compounded Annualised Returns

Scheme Returns (%)^ Regular Growth

Bench Mark

Returns (%)

Last 1 year 12.99% 14.54%

Last 3 years 8.75% 9.32%

Last 5 years 8.26% 8.13%




2014 -2015 2013 -2014 2012 -2013 2011 -2012 2010 -2011

BOND FUND 12.99% 4.35% 9.00% 9.66% 5.45%

CRISIL Composite Bond Fund

Index14.54% 4.32% 9.24% 7.68% 5.06%

0.00%

5.00%

10.00%

15.00%

20.00%


Absolute Returns for each financial year for the last yearsDirect Plan - Gorwth Option



Bench Mark

Returns (%)

Last 1 year 13.62% 14.54%

Last 3 years NA NA

Last 5 years NA NA




2014 -2015 2013 -2014

BOND FUND 13.62% 4.91%

CRISIL Composite Bond Fund

Index14.54% 4.32%

0.00%5.00%

10.00%15.00%20.00%





Bench Mark

Returns (%)

Last 1 year 16.37% 15.58%

Last 3 years 8.39% 10.30%

Last 5 years 6.96% 8.81%




GOVT SECURITIES FUND I Sec-

Composite Index

Series2

2014 -2015

16.37%

15.58%

2013 -2014

0.21%

3.91%

2012 -2013

9.09%

11.64%

2011 -2012

6.25%

6.79%

2010 -2011

3.45%

6.41%

0.00%5.00%

10.00%15.00%20.00%



Absolute Returns for each financial year for the last yearsDirect Plan -Growth Option



Bench Mark

Returns (%)

Last 1 year 17.08% 15.58%

Last 3 years NA NA

Last 5 years NA NA




2014 -2015 2013 -2014

GOVT SECURITIES FUND I -Sec

Composite Index17.08% 0.76%

Series2 15.58% 3.91%

0.00%5.00%

10.00%15.00%20.00%



(i)Load Structure Entry Load – NilExit Load- 1% if redeemed or switched out on or before completion of 1 year from the date of allotments of units or Nil.

Entry Load – NilExit Load- Nil.

(ii)Recurring Expenses Actual Expenses for the previous financial year =Regular - 2.45% Direct - 1.90%

Actual Expenses for the previous financial year = Regular - 2.45% Direct - 1.87%


5. LIC Nomura MF Income Plus(An Open Ended Debt Scheme)

6. LIC Nomura MF Monthly Income Plan(An Open Ended Income scheme)

Investment Objective An open ended debt scheme which seeks to provide reasonable possible current income consistent with preservation of capital and providing liquidity from investing in a diversified portfolio of short- term money market and debt securities.

The investment objective of the Scheme is to generate regular income by investing mainly in a portfolio of quality debt securities and money market instruments. It also seeks to generate capital appreciation by investing some percentage in a mix of equity instruments.

Asset Allocation Pattern for the Scheme:


(% of corpus)

Risk Profile

Debt* 0-35% LowDebt* / Money mkt. 65-100% Low

*Debt securities includes securitised debt and Government Securities The above Asset Allocation Pattern is only indicative and not absolute. Fund manager of the scheme may change the same from time to time, keeping in view market conditions, market opportunities, applicable regulations and political and economic factors. (owever, these pro-portions will be in line with the investment objective and could be altered only for short term and on defensive consideration in order to protect the interest of the unitholders.)nvestment in Derivatives )nstrument will be in accordance with SEB) (MF) Regulations.

Investments Indicative

Allocation

(% of Corpus)

Deviation (%)

from Normal

allocation

Risk Profile

Debt / Money

Market*Up to 100% -

Low to MediumEquity

Upto 15% 30%Medium to

High

*Debt securities includes securitised debt

The above Asset Allocation Pattern is only indicative and not abso-lute. Fund manager of the scheme may change the same from time to time, keeping in view market conditions, market opportunities, appli-cable regulations and political and economic factors. (owever, these proportions will be in line with the investment objective and could be altered only for short term and on defensive consideration in order to protect the interest of the unitholders.)nvestment in Derivatives )nstrument will be in accordance with SEB) (MF) Regulations.




Plan and Option Plans1.Regular2.Direct

Options1. Dividend – Payout and Reinvestment. Growth Plans1. Regular2.Direct Options1.Dividend – Payout and Reinvestment.Growth


` 5,000/- and in multiples of ` 500/- thereafter ` 1,000/- and in multiples of ` 500/- thereafter.

Benchmark Index CR)S)L Liquid Fund )ndex CR)S)L M)P Blended )ndexFund Manager Shri Killol Pandya Shri Killol Pandya



Compounded

Annualised Returns

Scheme Returns (%)^

Regular Growth

Bench Mark

Returns (%)

Last 1 year 7.40% 8.98%

Last 3 years 7.92% 8.89%

Last 5 years 7.70% 8.26%




2014 -2015 2013 -2014 2012 -2013 2011 -2012 2010 -2011

INCOME PLUS FUND 7.40% 7.95% 8.37% 8.63% 6.11%

Crisil Liquid Fund Index 8.98% 9.46% 8.17% 8.44% 6.21%

0.00%2.00%4.00%6.00%8.00%

10.00%



Direct Plan -Growth Option

Compounded

Annualised Returns

Scheme Returns (%)^

Regular Growth

Bench Mark

Returns (%)

Last 1 year 8.35% 8.98%

Last 3 years NA NA

Last 5 years NA NA




2014 -2015 2013 -2014

INCOME PLUS FUND 8.35% 8.83%

Crisil Liquid Fund Index 8.98% 9.46%

7.50%8.00%8.50%9.00%9.50%

10.00%



Compounded

Annualised Returns

Scheme Returns (%)^

Regular Growth

Bench Mark

Returns (%)

Last 1 year 10.96% 16.39%

Last 3 years 9.16% 10.59%

Last 5 years 6.53% 8.61%




2014 -2015 2013 -2014 2012 -2013 2011 -2012 2010 -2011

MONTHLY INCOME PLAN 10.96% 9.08% 7.40% 1.68% 3.73%

CRISIL MIP Blended Index 16.39% 6.44% 9.06% 5.24% 6.17%

0.00%

5.00%

10.00%15.00%

20.00%




Compounded

Annualised Returns

Scheme Returns (%)^

Regular Growth

Bench Mark

Returns (%)

Last 1 year 11.53% 16.39%

Last 3 years NA NA

Last 5 years NA NA




2014 -2015 2013 -2014

MONTHLY INCOME PLAN 11.53% 9.63%

CRISIL MIP Blended Index 16.39% 6.44%

0.00%5.00%

10.00%15.00%20.00%



(i)Load Structure Entry Load – NilExit Load- . % if exit within days or Nil. Entry Load – NilExit Load- % if redeemed or switched out on or before completion of 1 year from the date of allotement of units or Nil

(ii) Recurring Expenses Actual Expenses for the previous financial year =Regular - 2.42% Direct - 1.46%

Actual Expenses for the previous financial year =Regular - 2.33% Direct - 1.84%



7. LIC Nomura MF Interval Fund Monthly, Quarterly and Annual Plan-Series 1 & LIC Nomura MF Interval Fund Quarterly Plan-Series 2 (A Debt oriented Interval Scheme)

Investment Objective The investment objective of the Scheme is to generate income and growth of capital by investing in debt securities and money market instrumentsAsset Allocation Pattern for the Scheme:

Instruments Indicative Allocation (% of corpus) Risk Profile

Debt* securities and Money Market Instruments Up to 100% Medium to Low*Debt securities includes securitised debt upto 100%The above Asset Allocation Pattern is only indicative and not absolute. Fund manager of the scheme may change the same from time to time, keeping in view market conditions, market opportunities, applicable regulations and political and economic factors. (owever, these proportions will be in line with the investment objective and could be altered only for short term and on defensive consideration in order to protect the interest of the unitholders.)nvestment in Derivatives )nstrument will be in accordance with SEB) MF Regulations.


Interval Fund Monthly Plan Series 1Folios: 1385AUM in Crs: 50.15

Interval Fund Quarterly Plan Series 1Folios: 467AUM in Crs: 18.20

Interval Fund Annual Plan Series 1Folios: 288AUM in Crs: 19.54

Interval Fund Quarterly Plan Series 2Folios: 585AUM in Crs: 32.47

Plan and Option Plans1. Regular2. Direct

Options1. Dividend – Payout2. Growth

Minimum Application Amount Rs.10,000/- and in multiples of Rs.1,000/- thereafter.

Benchmark Index CR)S)L Liquid Fund )ndexFund Manager Shri Kunal Jain


Interval Fund Monthly Plan - Series 1



Scheme Returns (%)^

Regular Growth

Bench Mark Returns

(%)

Last 1 year 8.55% 8.98%

Last 3 years 8.93% 8.89%

Last 5 years 8.57% 8.26%

Since inception

8.38% 7.64%



2014 -2015 2013 -2014 2012 -2013 2011 -2012 2010 -2011

INTERVAL FUND MONTHLY PLAN

SERIES-18.55% 9.12% 9.07% 9.29% 6.80%


0.00%

5.00%

10.00%





Scheme Returns (%)^

Regular Growth

Bench Mark Returns

(%)

Last 1 year 8.64% 8.98%

Last 3 years NA NA

Last 5 years NA NA

Since inception

8.90% 9.10%



2014 -2015 2013 -2014

INTERVAL FUND MONTHLY PLAN

SERIES-18.64% 9.18%

Crisil Liquid fund Index 8.98% 9.46%

8.00%8.50%9.00%9.50%

10.00%


Interval Fund Quarterly Plan Series 1



Scheme Returns (%)^

Regular Growth

Bench Mark Returns

(%)

Last 1 year 8.72% 8.98%

Last 3 years 9.01% 8.89%

Last 5 years 8.65% 8.26%

Since inception

8.50% 7.64%



INTERVAL FUND QUARTERLY PLAN

SERIES1


2014 -2015

8.72%

8.98%

2013 -2014

9.03%

9.46%

2012 -2013

9.24%

8.17%

2011 -2012

9.29%

8.44%

2010 -2011

6.96%

6.21%

0.00%2.00%4.00%6.00%8.00%

10.00%





Scheme Returns (%)^

Regular Growth

Bench Mark Returns

(%)

Last 1 year 8.85% 8.98%

Last 3 years NA NA

Last 5 years NA NA

Since inception

8.95% 9.16%



2014 -2015 2013 -2014

INTERVAL FUND QUARTERLY PLAN

SERIES18.85% 9.08%


8.40%8.60%8.80%9.00%9.20%9.40%9.60%


Interval Fund Annual Plan Series 1



Scheme Returns (%)^

Regular Growth

Bench Mark Returns

(%)

Last 1 year 8.79% 8.98%

Last 3 years 8.89% 8.88%

Last 5 years 8.08% 8.26%

Since inception

8.08% 7.64%



INTERVAL FUND ANNUAL PLAN-SERIES 1


2014 -2015

8.79%

8.98%

2013 -2014

8.00%

9.46%

2012 -2013

9.82%

8.17%

2011 -2012

8.72%

8.44%

2010 -2011

5.09%

6.21%

0.00%

5.00%

10.00%

15.00%





Scheme Returns (%)^

Regular Growth

Bench Mark Returns

(%)

Last 1 year 9.01% 8.98%

Last 3 years NA NA

Last 5 years NA NA

Since inception

8.59% 9.24%



2014 -2015

INTERVAL FUND ANNUAL PLAN-SERIES 1 9.01%

Crisil Liquid fund Index 8.98%

8.96%8.97%8.98%8.99%9.00%9.01%9.02%


Interval Fund Quarterly Plan Series 2



Scheme Returns (%)^

Regular Growth

Bench Mark Returns

(%)

Last 1 year 8.51% 8.98%

Last 3 years 9.19% 8.89%

Last 5 years 9.06% 8.26%

Since inception

8.67% 7.66%



2014 -2015 2013 -2014 2012 -2013 2011 -2012 2010 -2011

INTERVAL QUARTERLY PLAN SERIES 2 8.51% 9.64% 9.37% 9.37% 8.36%


0.00%

5.00%

10.00%

15.00%





Scheme Returns (%)^

Regular Growth

Bench Mark Returns

(%)

Last 1 year 8.65% 8.98%

Last 3 years NA NA

Last 5 years NA NA

Since inception

9.23% 9.18%



2014 -2015 2013 -2014

INTERVAL QUARTERLY PLAN SERIES 2 8.65% 9.69%


8.00%

8.50%

9.00%

9.50%

10.00%



(i)Load Structure Entry Load – NilExit Load- Nil

(ii)Recurring Expenses Actual Expenses for the previous financial year)nterval Fund Monthly Plan =Regular - 0.33% Direct - 0.25%

Interval Fund Quarterly Plan

Regular - 0.40% Direct - 0.27%

Interval Fund Annual Plan


Interval Fund Quarterly Plan Series


INVESTMENT STRATEGY

LIC NOMURA MF EQUITY FUND:The scheme will primarily invest in debt and money market instruments with maturity up to days. The portfolio will be constructed and managed to generate returns to match the investment objective. The fund management team, comprising credit team will take an active view on the key drivers affecting the short term interest rate movement as well as liquidity. Macro -Economic )ndicators will be analyzed to estimate the future movement of )nterest rates. The scheme will be actively managed considering the prevailing interest rate scenario and liquidity conditions to generate superior returns..

LIC Nomura MF Saving Plus Fund:The scheme will primarily have a diversified portfolio comprising Floating Rate/Fixed rate debt instruments and money market instruments. The portfolio will be constructed and managed to generate returns to match the investment objective. The fund management team, comprising credit team will take an active view on the key drivers affecting interest rate movement as well as liquidity. Macro -Economic )ndicators will be analysed to estimate the future movement of )nterest rates and liquidity conditions.The scheme will be actively managed considering the prevailing interest rate scenario and liquidity conditions to generate superior returns.LIC Nomura MF Bond Fund:The scheme will primarily invest in long term high credit rated corporate bonds and money market instruments. The fund management team, comprising credit team will take an active view on the key drivers affecting interest rate movement as well as liquidity. )n addition, the fund will also aim to capture positive valuation changes occurring due to changes in the shape of the yield curve. Macro -Economic Indicators will be analyzed to estimate the future movement of )nterest rates and liquidity conditions. The scheme will be actively managed considering the prevailing interest rate scenario and liquidity conditions to generate superior returns

LIC Nomura MF Government Securities Fund:The scheme will primarily invest in Central Govt Sec including call money Bills & repos with a view to generate credit risk free return The Scheme will purchase securities in the public offerings, as well as those traded in the secondary markets. On occasions, if deemed appropriate, the Scheme may also participate in auction of Government Securities. Macro – Economic )ndicators will be analysed to estimate the future movement of )nterest rates and liquidity conditions. The scheme will be actively managed considering the prevailing interest rate scenario and liquidity conditions to generate superior returns..

LIC Nomura MF Income plus Fund:The scheme will primarily have a diversified portfolio comprising Floating Rate, Fixed rate debt instruments and money market instruments. The portfolio will be constructed and managed to generate returns to match the investment objective. The fund management team, comprising credit team will take an active view on the key drivers affecting interest rate movement as well as liquidity. Macro -Economic )ndicators will be analyzed to estimate the future movement of )nterest rates and liquidity conditions.The scheme will be actively managed considering the prevailing interest rate scenario and liquidity conditions to generate superior returns.

LIC Nomura MF Monthly Income Plan:The scheme will primarily invest in Debt and Money market instruments. The secondary objective of the Scheme is to generate long-term capital appreciation by investing a portion of the Scheme’s assets in equity and equity related instruments. The scheme will also strive to generate current income by capturing positive valuation changes occurring due to changes in the shape of the yield curve and equity market. Macro – Economic )ndicators will be analysed to estimate the future movement of )nterest rates and liquidity conditions as well as equity markets. The scheme will be actively managed considering the prevailing interest rate scenario, equity markets and liquidity conditions to generate superior returns.LIC Nomura MF Interval Fund Monthly, Quarterly and Annual Plan - Series 1 & LIC Nomura MF Interval Fund Quarterly Plan - Series 2:To generate regular returns by investing in a portfolio of fixed income securities and money market instruments which mature on or before the opening of the immediately following specified transaction period. Under normal circumstances, up to % of the fund will be invested in Money Market )nstruments, Short term and medium term debt securities and other debt instruments.

RISK FACTOR AND RISK CONTROL

LIC Nomura MF Liquid Fund)nvestments made by the scheme will be affected by interest rate/price risk, credit risk or default risk, sovereign risk, liquidity risk, reinvestment risk, settlement risk.

LIC Nomura MF Saving Plus Fund:)nvestments made by the scheme will be affected by interest rate/price risk, credit risk or default risk, sovereign risk, liquidity risk, reinvestment risk, settlement risk.

LIC Nomura MF Bond Fund:)nvestments made by the scheme will be affected by interest rate/price risk, credit risk or default risk, sovereign risk, liquidity risk, reinvestment risk, settlement risk.

LIC Nomura MF Government Securities Fund:)nvestments made by the scheme will be affected by interest rate/price risk, liquidity risk, reinvestment risk, settlement risk.LIC Nomura MF Income plus Fund:)nvestments made by the scheme will be affected by interest rate, price risk, credit risk or default risk, sovereign risk, liquidity risk, reinvestment risk, settlement risk.

LIC Nomura MF Monthly Income Plan:)nvestments made by the scheme will be affected by interest rate/price risk, liquidity risk, reinvestment risk, settlement risk. )n addition investments in equity instruments will be subject to market risksLIC Nomura MF Interval Fund Monthly, Quarterly and Annual Plan - Series 1 & LIC Nomura MF Interval Fund Quarterly Plan - Series 2:)nvestments made by the scheme will be affected by interest rate, price risk, liquidity risk, reinvestment risk, settlement risk.RISK CONTROL:The company had constituted a Risk Management Committee comprising of in charge of Risk Management Systems and Chief Risk Officer Senior Officials such as Chief )nvestment Officers, Chief Marketing Officer, Chief Operating Officer and Company Secretary as the Members of the Committee. This Committee provides the risk tools, aggregation and analysis of risk information. The basic role of the Risk Management Committee is as mentioned below:Review and monitor the overall risk management frameworkReview and monitor the risk management policies on a regular basisReview and monitor the risk management processReview the risk reporting including the amount, nature, characteristics, concentration and quality of the assets Review of Risk Management System is placed before the Board of AMC/Trustees in every quarter.)nternal & Board approved limits are monitored by the )nvestment Committee in their weekly meetings and necessary corrective actions, if required, is taken within reasonable period of time. As stipulated by SEB), an independent review of the risk management system is conducted by the Concurrent Auditors, to check on the adequacy of the risk management systems. The observations of the auditors are placed before the Board of AMC / Trustees


INFORMATION COMMON FOR ALL THE SCHEMESTreatment of applications under

"Direct" / "Regular" PlansScenario Broker Code mentioned by the

investorPlan mentioned by the investor Default Plan to be captured

1 Not mentioned Not mentioned Direct Plan

2 Not mentioned Direct Direct Plan

3 Not mentioned Regular Direct Plan

4 Mentioned Direct Direct Plan

5 Direct Not Mentioned Direct Plan

6 Direct Regular Direct Plan

7 Mentioned Regular Regular Plan

8 Mentioned Not Mentioned Regular Plan)n cases of wrong/ invalid/ incomplete ARN codes mentioned on the application form, the application shall be processed under Regular Plan. The AMC will contact and obtain the correct ARN code within calendar days of the receipt of the application form from the investor/ distributor. )n case, the correct code is not received within calendar days, the AMC will reprocess the transaction under Direct Plan from the date of application without any exit load.All Options and plans will be maintained in a common portfolio.Expenses of the

Scheme:

i. Load Structure:)n terms of SEB) circular no. SEB)/)MD/C)R No. / / dated June , , no entry load will be charged by the Scheme to the investor. The Upfront commission, if any, shall be paid directly by the investor to the AMFI registered Distributors based on the investors’ assessment of various

factors including the service rendered by the distributor.No Exit Loads / CDSC will be chargeable in case of switches made from Growth option to Dividend option or vice versa within the respective Plans offered under the Scheme. No exit load shall be charged in respect of units issued to unitholders on Reinvestments of Dividends.Switch of investments from Regular Plan whether the investments were made before or after January , to Direct Plan shall be subject to applicable exit load, if any, and vice versa.Exit load/ CDSC if any up to % of the redemption value charged prior to October , to the unitholder by the Fund on redemption/switch-out of units shall be retained by the schemes in a separate account and will be utilized for payment of commissions to the ARN (older and to meet other marketing and selling expenses. Any amount in excess of % of the redemption value charged to the unitholder as exit load/ CDSC was credited to the respective scheme immediately. Further, pursuant to Circular no. C)R/)MD/DF/ / dated September , , with effect from October , , exit load charged, if any, by the AMC/Mutual Fund to the unitholder shall be credited to the respective Scheme immediately, net of service tax, if any.The investor is requested to check the prevailing load structure of the Scheme before investing.

ii. Recurring expenses [% of daily Net Assets]:

As per Regulation 52(6) of SEBI (MF) Regulations, the total expenses of the Scheme(s), including Investment Management and Advisory

Fees, shall be subject to following limits as specified below:

For all Debt /Income Schemes, the limit on total expenses including )nvestment Management and Advisory fees, shall be as follows:i. On the First ` crores of the daily net assets: . %;ii. On the Next ` crores of the daily net assets: . %;iii. On the Next ` crores of the daily net assets: . %;iv. On the balance of the assets: . %.Additional Expenses in terms of newly inserted Regulation 52(6A) in addition to Maximum Total Expense Ratio on daily net assets of the

Scheme(s) as permissible under Regulation 52(6) of SEBI (MF) Regulations:

(a) Additional expenses not exceeding of . % of daily net assets may be charged to the Scheme, if the new inflows from beyond top cities* are at least i % of gross new inflows in the scheme or ii % of the average assets under management year to date of the scheme, whichever is higher.)n case inflows from beyond such cities is less than the higher of i or ii mentioned above, such additional expense on daily net assets of the scheme shall be charged on proportionate basis in accordance with SEB) Circular no. C)R/)MD/DF/ / dated September , The expense so charged shall be utilised for distribution expenses incurred for bringing inflows from such cities. (owever, the amount incurred as expense on account of inflows from such cities shall be credited back to the scheme in case the said inflows are redeemed within a period of one year from the date of investment.

*Top 15 cities shall mean top 15 cities based on Association of Mutual Funds in India (AMFI) data on ‘AUM by Geography - Consolidated Data for Mutual

Fund Industry’ as at the end of the previous financial year.

(b) Brokerage and transaction costs incurred for the execution of trades and included in the cost of investment, not exceeding . per cent of the value of trades in case of cash market transactions. Thus, in terms of SEBI circular CIR/IMD/DF/24/2012 dated November 19, 2012, it is hereby clarified that the brokerage and transaction costs incurred for the execution of trades may be capitalized to the extent of . per cent of the value of trades in case of cash market transactions. Any payment towards brokerage and transaction costs including service tax, if any incurred for the execution of trades, over and above the said . per cent for cash market transactions may be charged to the scheme within the maximum limit of Total Expense Ratio TER as prescribed under Regulation of the SEB) MF Regulations.(c) Additional expenses incurred towards different heads mentioned under Regulations and of SEB) MF Regulations, not exceeding 0.20 per cent of daily net assets of the scheme. Further in terms of SEBI Circular No. CIR/IMD/DF/21/2012 dated September 13, 2012,

- the AMC / Mutual Fund shall annually set apart at least basis points i.e. . % on daily net assets of the scheme within the maximum limit of Total Expense Ratio as per Regulation of the SEB) MF Regulations for investor education and awareness initiatives.- AMC may charge service tax on following Fees and expenses as below:a. Investment Management and Advisory Fees: AMC may charge service tax on investment management and advisory fees to the scheme in addition to the maximum limit of Total Expense Ratio as prescribed under Regulation of the SEB) MF Regulations. Currently, service tax is levied @ % for AMC fees as per taxation laws in force.b. Other than Investment Management and Advisory Fees: AMC may charge service tax on expenses other than investment management and advisory fees to the scheme within the maximum limit of Total Expense Ratio as prescribed under Regulation of the SEB) MF Regulations. Further, service tax on Brokerage and transaction cost incurred for execution of trades, will be within the maximum limit of Total Expense Ratio as prescribed under Regulation 52 of the SEBI (MF) Regulations.


(d) Fungibility of Maximum Permissible expense: The said maximum TER shall either be apportioned under various expense heads, without any sub limit or allocated to any of the permissible expense head s at the discretion of AMC. Also, the types of expenses charged shall be as permissible under SEB) MF Regulations. The total recurring expenses of the scheme excluding issue or redemption expenses, whether initially borne by the Mutual Fund or by the AMC, but including the investment management and advisory fee, shall not exceed the limits as prescribed under Regulation of the SEB) MF Regulations. Subject to the SEB) MF Regulations, expenses over and above the prescribed ceiling will be borne by the AMC. )nvestors are requested to refer to Section )V-FEES AND EXPENSES - B. Annual Scheme Recurring Expense of the respective Scheme )nformation Document.

Prudential limits on

portfolio concentration

risk in debt- oriented

schemes

Pursuant to SEB) Circular C)R/)MD/DF/ / dated September , read with SEB) circular C)R/)MD/DF/ / dated November , , no scheme shall take exposure in fixed income securities in excess of % of net assets in any sector as per sectoral classification as prescribed by AMF). Provided that an additional exposure to financial services sector over and above the limit of % not exceeding % of the net assets of the scheme shall be allowed by way of increase in exposure to (ousing Finance Companies (FCs only. Provided further that the additional exposure to such securities issued by (FCs are rated AA and above and these (FCs are registered with National (ousing Bank N(B and the total investment / exposure in (FCs shall not exceed % of the net assets of the scheme. Further provided that the above sectoral limit is not applicable for: i. AAA rated instruments of PSU Banks and AAA rated instruments of Public Financial )nstitutions PF)s . ii. CBLOs iii. Bank Certificate of Deposits. iv. Government of India securities v. Treasury Bills.Mutual Fund/AMC will comply with the aforesaid requirement within one year from the date of SEB) Circular C)R/)MD/DF/ / dated September , and put in place such systems to ensure that sectoral exposure limit specified above does not increase from the levels existing as on September 13, 2012.

Applicable NAV )n accordance with provisions of SEB) Circular No. C)R/)MD/DF/ / dated September , , SEB) circular No. Cir/ )MD/ DF/ / dated November 26, 2010, SEBI Circular No. IMD/ CIR No. 11 / 142521 / 08 dated October 24, 2008 and SEBI Circular SEBI/ IMD/ CIR No.11/ / dated October , and further amendments if any, thereto, the following cut-off timings shall be observed by Mutual Fund in respect of purchase/ redemption/ switches of units of the scheme, and the following NAVs shall be applied in each case:FOR SUBSCRIPTIONS / PURCHASE INCLUDING SWITCH-IN OF UNITS#:

I. Applicable NAV for Subscriptions / Purchase including switch-in of units for Liquid Scheme i.e. LIC Nomura MF Liquid Fund:

• where the application is received upto . p.m. on a day and funds are available for utilization before the cut-off time without availing any credit facility, whether, intra-day or otherwise - the closing NAV of the day immediately preceding the day of receipt of application;• where the application is received after . p.m. on a day and funds are available for utilization on the same day without availing any credit facility, whether, intra-day or otherwise - the closing NAV of the day immediately preceding the next business day; and• irrespective of the time of receipt of application, where the funds are not available for utilization before the cut-off time without availing any credit facility, whether, intra-day or otherwise - the closing NAV of the day immediately preceding the day on which the funds are available for utilization.For allotment of units in respect of subscriptions / purchase including switch-in of units for Liquid Scheme/s, it shall be ensured that:i Application / switch-in request is received before the applicable cut-off time. ii Funds for the entire amount of subscription / purchase as per the application/switch-in request are credited to the bank account of the Liquid Scheme before the cut-off time. iii The funds are available for utilization before the cut-off time without availing any credit facility whether intra-day or other wise, by the respective Liquid Scheme.II. Applicable NAV for Subscriptions / Purchase including switch-in of units for other schemes offered through this Common KIM (for

applications for an amount of less than Rs. 2 lacs under):

• )n respect of valid applications received upto . p.m. by the Mutual Fund alongwith a local cheque or a demand draft payable at par at the place where the application is received, the closing NAV of the day on which application is received shall be applicable.)n respect of valid applications received after . p.m. by the Mutual Fund alongwith a local cheque or a demand draft payable at par at the place where the application is received, the closing NAV of the next business day shall be applicable.III. Applicable NAV for Subscriptions / Purchase switch-in of units for other schemes offered through this Common KIM (for an amount

of Rs. 2 lacs and above):)n respect of valid applications for purchase of units with amount equal to or more than Rs. lacs, the closing NAV of the day or immediately following Business Day if that day is not a Business day on which the funds are available for utilization, shall be applicable.)n respect of subscriptions/purchase/Switch-in application with amount equal to or more than Rs. lacs, for allotment of units at applicable NAV as above, it shall be ensured that:i. Application is received before the applicable cut-off time i.e. . p.m. . ii. Funds for the entire amount of subscription / purchase /switch-in as per the application are credited to the bank account of the respective scheme before the applicable cut-off time (i.e. 3.00 p.m.). iii. The funds are available for utilization before the applicable cut-off time i.e. . p.m. without availing any credit facility whether intra-day or otherwise, by the respective scheme.

FOR REDEMPTIONS INCLUDING SWITCH-OUT OF UNITS:

I. Applicable NAV for Redemptions including switch-out of Units for Liquid Scheme i.e. LIC Nomura MF Liquid Fund: Term Plan:

• )n respect of valid applications received upto . p.m., the closing NAV of the day immediately preceding the next business day;• )n respect of valid applications received after . p.m., the closing NAV of the next business day.II. Applicable NAV for Redemptions including switch-out of Units for other schemes offered through this Common KIM:

• )n respect of valid applications received upto . p.m. by the Mutual Fund, same day’s closing NAV shall be applicable.• )n respect of valid applications received after . p.m. by the Mutual Fund, the closing NAV of the next business day shall be applicab le.While the Applicable NAV shall be as per cut-off time specified above, the NAV shall be declared in accordance with the provisions as mentioned in the respective Scheme Information Document.# )nvestors are requested to note that the following practice of aggregating multiple / split applications / transactions shall be followed and accordingly the closing Net Asset Value NAV of the day on which the funds are available for utilization is being implemented where the aggregated amount of investments is Rs. 2 lacs and above.

(a) All transactions received on same Business Day (as per cut-off timing and Time stamping r ule prescribed under SEBI (Mutual Funds) Regulations, or circulars issued thereunder from time to time . b Aggregation of transactions shall be applicable to all Schemes excluding Liquid Schemes offered under this Common K)M. c Transactions shall include purchases, additional purchases, and exclude Switches, Systematic Investment Plans (SIP) and Systematic Transfer Plans (STP). (d) Aggregation of transactions shall be done on the basis of investor(s) Permanent Account Number PAN . )n case of joint holding in folios, transactions with similar holding pattern will be aggregated. e Such aggregation shall be done irrespective of the number of folios under which the investor is investing and irrespective of source of funds, mode of payment, location and time of application. f All transactions will be aggregated where investor holding pattern is same as stated above, irrespective of whether the amount of the individual transaction is above or below Rs. lacs. g Only transactions in the same Scheme shall be clubbed. This will include transactions at plan / options level i.e. Regular Plan, Direct Plan, Dividend Option, Growth Option, etc . h Transactions in the name of minor received through guardian will not be aggregated with the transaction in the name of same guardian. (owever, two or more transactions in the same folio of a minor will be considered for aggregation.


Daily NAV

Publication

The NAV will be declared on all business days and will be published atleast in daily newspapers in accordance with SEB) MF Regulations. NAV can also be viewed on www.licnomuramf.com and www.amfiindia.com )nvestors can also call up at our toll free number - - - .Dividend Policy Under the Dividend Option, the Fund expects to declare dividend on a regular basis subject to availability of distributable surplus, as computed in accordance with SEB) Mutual Funds Regulations, . Dividends, if declared, will be paid subject to deduction of TDS, if any to those unithholders whose names appear in the Register of Unitholders as on the Record Date. Dividend Warrants will be dispatched to the unitholders within days of the declaration of the dividend. (owever, it must be clearly understood that the actual declaration of dividend and the frequency thereof will inter alia, depend on the availability of distributable profits as computed in accordance with SEB) Mutual Funds Regulations, .The decision of the Trustee in this regard shall be final. There is no assurance or guarantee to the unitholders as to the rate of dividend distribution or that dividends will be paid regularly. On payment of dividend, the NAV will fall to the extent of dividend amount and dividend tax if applicableDividend Transfer Plan

(DTP)

DTP has been introduced in all our schemes w.e.f / / . )f an investor wants to opt for DTP, he can do so by filing of the transaction slip available at our offices. There is no assurance or guarantee to the unitholders as to rate of income distribution and regularity in declaration of income distribution. Though it is the intention of the fund to make monthly, quarterly and yearly income distribution under the dividend option.Direct Plan )n accordance with Para D titled Separate Option for direct investments under SEB) Circular no. C)R/)MD/DF/ / dated September , , a separate plan for direct investments i.e. investments not routed through an AMF) Registration Number ARN (older Distributor Direct Pla n is being offered under all schemes with effect from January , :

(a) Direct Plan is only for investors who purchase /subscribe Units in a Scheme directly with the Mutual Fund and is not availabl e for

investors who route their investments through a Distributor. )nvestors should indicate the Plan for which the subscription is made by indicating the choice in the application form.

(b) Eligible investors: All categories of investors whether existing or new Unitholders as permitted under the S)D are eligible to subscribe under Direct Plan.

(c) Modes for applying: )nvestments under Direct Plan can be made through various modes offered by the Mutual Fund for investing directly with the Mutual Fund [except through Stock Exchange Platforms for Mutual Funds and all other Platform s where investors’ applications for subscri ption of units are routed through Distributors].(d) How to apply: i. )nvestors desirous of subscribing under Direct Plan of a Scheme will have to ensure to indicate Direct Plan against the Scheme name in the application form. ii. )nvestors should also indicate Direct in the ARN column of the application form.(e) Scheme characteristics: Scheme characteristics such as )nvestment Objective, Asset Allocation Pattern, )nvestment Strategy, risk factors, facilities offered and terms and conditions including load structure will be the same for the Regular Plan and the Direct Plan except that: a Switch of investments from Regular Plan whether the investments were made before or after the Effective Date to Direct Plan shall be subject to applicable exit load, if any, and vice versa. b Direct Plan shall have a lower total expense ratio as compared to expense ratio of Regular Plan under same scheme. The difference in the expense ratio between the Direct Plan and Regular Plan will be only resulting from exclusion of distribution expenses, commission, etc. for distribution of Units under Regular Plan. f Investments through systematic routes: (a) In case of Systematic )nvestment Plan S)P / Systematic Transfer Plan STP etc. registered prior to the January , without any distributor code under the Regular Plan, installments falling on or after the January , will automatically be processed under the Direct Plan. b )nvestors who had registered for Systematic )nvestment Plan facility prior to the January , with distributor code and wish to invest their future installments into the Direct Plan shall make a written request to the Mutual Fund in this behalf. The Fund will take at least days to process such requests. )ntervening installments will continue in the Regular Plan.(g) Redemption requests: Where Units under a Scheme are held under both Regular and Direct Plans and the redemption / Switch request pertains to the Direct Plan, the same must clearly be mentioned on the request along with the folio number , failing which the request would be processed from the Regular Plan. (owever, where Units under the requested Option are held only under one Plan, the request would be processed under such Plan.

Waiver of Load for

Direct Applications

Pursuant to SEBI Circular no SEBI/IMD/CIR No 4/16831/09 dated June 30 2009 no entry load shall be charged for all mutual funds schemes. Therefore procedure for waiver of load for direct application is no longer applicable.Tax treatment for

Unitholders

)nvestors are advised to refer to the details in the Statement of Additional )nformation and also independently refer to his tax advisor.Name of the Trustee

Company

LIC Nomura Mutual Fund Trustee Company Private Limited

For Investor Grievances

please contact

M/s. Karvy Computershare Pvt. Ltd.Unit: L)C Nomura Mutual Fund Karvy Plaza, (ouse No. - - ,Avenue ,Street No. , Banjara (ills,Hyderabad - 500 034Tel. - - ; Fax : - Email : [email protected]. : www.karvycomputershare.com / www.karvymfs.com

LIC NOMURA Mutual Fund

4th Floor, Industrial Assurance Building

Opp. Churchgate Station, Churchgate,

Mumbai - 400 020Tel.: - ; Fax: - Toll Free No.: E-mail: [email protected]: www.licnomuramf.comUnitholders’

Information

Account Statements / Confirmation:On acceptance of the application for subscription, an allotment confirmation specifying the number of units allotted to the investor shall be send by way of email to the investors’ registered email address not later than five business days from the date of receipt of request.For those unitholder, who have provided an e-mail address, the AMC will send the communication by email. Unitholder who receive e-mail statements may download the documents after receiving e-mail from the Mutual Fund. )f any Unitholder experience any difficulty in accessing the electronically delivered documents, the Unitholder shall promptly advise the Mutual Fund to enable the Mutual Fund to make the delivery through alternate means. )t is deemed that the Unitholder is aware of all security risks including possible third party )nterception of the documents and contents of the documents becoming known to third parties.Annual Report :The Scheme wise annual report or an abridged summary thereof shall be sent to all Unitholders not later than four months from the date of closure of the relevant accounting year and full annual report shall be available for inspection at the (ead Office of the Mutual Fund and a copy shall be made available to the Unitholders on request on payment of nominal fees, if any.The scheme wise annual report or an abridged summary thereof the reports shall be sent:(i) By e-mail only to the Unitholders whose e-mail address is available with L)C Nomura Mutual Fund; ii in physical whose email addresss is not available with L)C Nomura Mutual Fund and / or to those Unitholders who have opted / requested for the same.Accordingly, unitholders are requested to ensure that their folio s are updated with e-mail address, in case they wish to receive the reports electronically i.e. via e-mail. Also, in case the unitholders wish to receive physical coplies of reports they may indicate as such, notwithstanding registration of e-mail address with L)C Nomura Mutual Fund.


The physical copy of the scheme wise annual report or abridged summary thereof shall be made available to the investors at the registered office of the L)C Nomura Mutual Fund. A link of the scheme annual report or abridged summary thereof shall be displayed prominently on the website of the Mutual Fund www.licnomuramf.com and shall also be displayed on the website of AMF) www.amflindia.com .Half yearly Disclosures (Unaudited Financial Results / Portfolio):Mutual Fund / AMC shall within one month from the close of each half year, i.e. st March and on th September , host a soft copy of its unaudited financial results on its website www.licnomuramf.com . Further, the Mutual Fund / AMC shall publish an advertisement disclosing the hosting of such unaudited half yearly financial results on their website, in atleast one national English daily newspaper and a regional newspaper published in the language of the region where the (ead Office of the Mutual Fund is situated.The Mutual Fund / AMC shall before the expiry of one month from the close of each half year i.e. st March and th September , publish its complete statement of the scheme portfolio in prescribed format as at end of such half year in one national English daily newspaper and in a regional newspaper published in the language of the region where the (ead Office of the Mutual Fund is situated.Further, the montly portfolio of the scheme alongwith )S)N shall also be made availabe on the website of Mutual Fund www.licnomuramf.com on or before tenth day of the succeeding month.

Option to Hold Units in demat mode:)nvestors shall have an option to subscribe to/ hold the units in electronic demat form in accordance with the guidelines/ procedural requirements as laid by the Depositories NSDL/CDSL from time to time. )n case of S)P, units will be allotted based on the applicable NAV as per provisions of Scheme )nformation Document and will be credited to demat account of the investors on weekly basis upon realisation of funds . (owever, Special Products/Facilities such as Systematic Withdrawal Plan, Systematic Transfer Plan and Switching facility offered by Mutual Fund shall be available for unitholders under the scheme in case the units are held/opted to be held in physical (non-demat) mode. Investors intending to hold units in electronic demat form will be required to have beneficiaiy account with a Depositoiy Participant DP registered with NSDL / CDSL and will be required to indicate, in the application form, the DP’s name, DP )D Number and the Beneficiary account number of the applicant held with the DP at the time of subscribing to the units. Applicants must ensure that the sequence of the names as mentioned in the application form matches with that of the beneficiary account held with the DP. Names, PAN details, KYC details etc. mentioned in the Application Form will be verified against the Depository records.If the details mentioned in the application form are found to be incomplete / incorrect or not matching with the depository records, the

application shall be treated as application for physical (non-demat) mode and accordingly units will be allotted in physical (non-demat)

mode, subject to it being complete in all other aspects.Unitholders who have opted to hold and thereby allotted units in electronic demat form will receive payment of edemption / dividend proceeds into bank account linked to their Demat account )n case, the Unitholder desires to hold the Units in a Dematerialized / Rematerialized form at a later date, the request for conversion of units held in physical non-demat mode into electronic demat form or vice-versa should be submitted alongwith a Demat / Remat Request Form to their Depository Participant s . )nvestors should ensure that the combination of names in the account statement is the same as that in the demat account The allotment of units in demat form shall be subject in terms of the guidelines / procedural requirements as laid by the Depositories NSDL/CDSL from time to time. Further, the units held in electronic demat form will be transferable in accordance with provisions of Depositories Act, and the Securities and Exchange Board of )ndia Depositories and Participants Regulations, 1996 as may be amended from time to time.

Transaction Charges SEB) has, with the intent to enable investment by people with small saving potential and to increase reach of Mutual Fund products in urban areas and in smaller towns, wherein the role of the distributor is considered vital, allowed AMCs vide its circular No. Cir/ )MD/ DF/ / dated August , 2011 to deduct transaction charges for subscription of Rs. 10,000/- and above.)n accordance with the said circular, L)C Nomura Mutual Fund will deduct the transaction charges from the subscription amount and pay to the distributors as shown below who have opted-in to receive the transaction charges on basis of type of product . Thereafter, the balance of the subscription amount shall be invested.. Transaction charges shall be deducted for Applications for^purchase/ subscription relating to new inflows and routed through distributor/ agent:Investor Type Transaction charges* First Time Mutual Fund Investor (across Mutual Funds) Rs. 150 for subscription application of Rs. 10,000 and

above. Investor other than First Time Mutual Fund Investor Rs. 100 for subscription application of Rs. 10,000 and above.. ^The transaction charge, if any, shall be deducted by the L)C Nomura Mutual Fund from the subscription amount and paid to the distributor; and the balance shall be invested and accordingly units allotted. The statement of account shall clearly state the net investment as gross subscription less transaction charge and depict the number of units allotted against the net investment amount (owever, Transaction charges in case of investments through Systematic )nvestment Plan S)P from first time mutual fund investor and investor other than first time mutual fund investor shall be deducted only if the total commitment i.e. amount per S)P installment x No. of installments amounts to Rs. , /- or more. The transaction charges shall be deducted in 3-4 installments.

3. Transaction charges shall not be deducted/applicable for: a purchases / subscriptions for an amount less than Rs. , /-; b transaction other than purchases / subscriptions relating to new inflows such as Switches / STPs etc. (c) Purchases / subscriptions made directly with the Mutual Fund (i.e. not routed through any distributor / agent), d Transactions carried out through the Stock Exchange Platforms for Mutual Funds.

4. Investor should note that, as per SEBI circular no. SEBI/IMD/CIR No. 4/ 168230/09, dated June 30, 2009, the upfront commission, if any, on investment made by the investor shall continue to be paid by the investor directly to the Distributor by a separate cheque, based on his assessment of various factors including the service rendered by the Distributor.


THIS

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ARN Code Sub-broker Code Sub-broker ARN Code Employee Unique )dentification Number EU)N Time Stamp NoFor office use only

SIGN HEREFirst/ Sole Applicant/ Guardian SIGN HERESecond Applicant SIGN HEREThird Applicant

DOB

Second Applicant ‘s Name FIRST MIDDLE LAST KYC :

Third Applicant ‘s Name FIRST MIDDLE LAST KYC :

First Applicant PAN : Second Applicant PAN : Third Applicant PAN :

NAME OF GUARDIAN in case of First / Sole Applicant is a Minor / NAME OF CONTACT PERSON – DES)GNAT)ON in case of non-individual )nvestors FIRST MIDDLE LASTPAN: KYC Relationship with minor Please √ Father Mother Court Appointed Legal Guardian3. TAX STATUS Please tick √ Resident )ndividual FIIs NR)-NRO HUF Club/Society P)O Body Corporate Minor Government Body

Trust NRI-NRE Bank & F) Sole Proprietor Partnership Firm QFI FP) Others Company LLP 4. KYC Details (Mandatory) Occupation Please tick (√)FIRST APPLICANT Private Sector

Student Public Sector Forex Dealer Government Service Business Professional Agriculturist Others ............................................................................................ please specify Retired (ousewife

SECOND APPLICANT Private Sector Student

Public Sector Forex Dealer Government Service Business Professional Agriculturist Others ............................................................................................ please specify Retired (ousewifeTHIRD APPLICANT Private Sector

Student Public Sector Forex Dealer Government Service Business Professional Agriculturist Others ............................................................................................ please specify Retired (ousewife

GROSS ANNUAL )NCOME [Please tick (√)]FIRST APPLICANT Below Lac - Lacs - Lacs - Lacs > Lacs - Crore > CroreNet worth Mandatory for Non-)ndividual Rs. as onSECOND APPLICANT Below lac - Lacs - Lacs - Lacs > Lacs - Crore > Crore OR Net Worth THIRD APPLICANT Below lac - Lacs - Lacs - Lacs > Lacs - Crore > Crore OR Net Worth For Individual For Non-Individual Investors (Companies, Trust, Partnership etc.) ) am Politically Exposed Person Also applicable for authorized signatories/ Promoters/)arta/Trustee/Whole time Directors please mention ) am Related to Politically Exposed Not Applicable

)s the company a Listed Company or Subsidiary of Listed Company or Controlled by aListed Company )f No. please attach mandatory Ultimate Beneficial Ownership UBO DeclarationForeign Exchange / Money Changer ServicesGaming / Gambling / Lottery / Casino ServicesMoney Lending / PawningNone of the above Yes No

Yes No Yes No Yes No Yes No

D D M M Y Y Y Y DOB is mandatory in case of unit holder is minor. Proof attached. Please √

TRANSACT)ON C(ARGES FOR APPL)CANTS T(ROUG( ARN (OLDER ONLY [Refer )nstruction ] ) confirm that ) am a First time investor across Mutual Funds. ) confirm that ) am an existing investor in Mutual Funds.Rs. deductible as Transaction Charge and payable to the Distributor Rs. deductible as Transaction Charge and payable to the Distributor)n case the purchase/ subscription amount is Rs. , or more and your Distributor has opted in to receive Transaction Charges, the same are deductible as applicable from the purchase/ subscription amount and payable to the Distributor. Units will be issued against the balance amount invested. Upfront commission shall be paid directly by the investor to the ARN (older AMF) registered Distributor based on the investors’ assessment of various factors including the service rendered by the ARN (older.1. EXISTING UNIT HOLDER INFORMATION )f you have existing folio, with PAN & )YC validation please fill in section and proceed to section .Folio No. The details in our records under the folio number mentioned alongside will apply for this application2. APPLICANT(S) DETAILS )n case of Minor, there shall be no joint holders Mandatory information – )f left blank the application is liable to be rejected.Sole/First Applicant ‘s Name FIRST MIDDLE LAST KYC :

Declaration for execution-only transaction only where EU)N box is left blank Refer )nstruction No.) / We hereby confirm that the EU)N box has been intentionally left blank by me / us as this is an execution-only transaction without any interaction or advice by the employee/ relationship manager/ sales person of the above distributor or notwithstanding the advice of in-appropriateness, if any, provided by the employee / relationship manager / sales person of the distributor and the distributor has not charged any advisory fees on this transaction. please tick √ and sign

Application No.

)EY PARTNER / ARN (OLDER )NFORMAT)ON )nvestors applying under Direct Plan must mention Direct in ARN Code column. Refer )nstruction & )nvestors must read the )ey )nformation Memorandum, the instructions and product labeling on cover page before completing this Form. The Application Form should be completed in English and in BLOC) LETTERS only.

ACKNOWLEDGEMENT SLIP

Received an application for purchase of units of L)C Nomura MF Scheme Name with optionfrom Mr/Mrs/M/s. alongwithName of the investorCheque/Draft No./Payment )nstrument No. Dated Bank Branch Drawn on For ` Bank Charges in cases of Draft of ` Date Please Note : All purchases are subject to realisation of Cheque / Demand Draft / Payment )nstrument.

Time Stamp No.

)SC Signature, Stamp & Date

TO BE F)LLED )N BY T(E )NVESTOR APP. No

D D M M Y Y Y Y Not older than yearNot older than yearNot older than year

5. MODE OF HOLDOING [Please tick (√)] Joint Single Anyone of Survivor Default option is Anyone of Survivor6. MA)L)NG ADDRESS OF F)RST / SOLE APPL)CANT MANDATORY (Refer Instruction 11)

Landmark City State Pincode Counry

COMMON APPLICATION FORM

Call Toll Free Number 1800-258-5678 Email : [email protected]

Website : www.licnomuramf.com

For any queries please contact our nearest Investor Service Centre or

SIGN HEREFirst Applicant/ Guardian SIGN HERESecond Applicant SIGN HEREThird ApplicantDate : ________________Place : _______________

7. CONTACT DETAILS OF SOLE/FIRST APPLICANT Mobile No. and Email Id. Refer Instruction No. 11)Email )d Please Specify Mobile No.Tel no Resi STD Code Off STD Code8. Overseas address Overseas address is mandatory for NR) / F)) applicants in addition to mailing address in )ndiaLandmark City State Pincode Country

10. FATCA Detail For )ndividuals & (UF Mandatory Non )ndividual investors should mandatoryly fill separate FACTA details formDo you have any non-)ndian Country ies of Birth / Citizenship / Nationality and Tax Residency? Yes No Please tick as applicable and if yes, provide the below mentioned information )mandatory .Sole/First Applicant/Guardian Yes No 2nd Applicant Yes No 3rd Applicant Yes No or POA Yes NoCountry of Birth Country of Birth Country of BirthCounty of Citizenship/ Nationality Country of Citizenship/ Nationality Country of Citizenship/ NationalityAre you e US Specified Person? Yes Noplease provide Tax Payer )d. Are you a US Specified Person? Yes Noplease provide Tax Payer )d. Are you a US Specified Person? Yes Noplease provide Tax Payer )d.Country of Tax Residency* other than )ndia Taxpayer )dentifiation No. Country of Tax Residency* other than )ndia Taxpayer )dentifiation No. Country of Tax Residency* other than )ndia Taxpayer )dentifiation No.1

2* Please indicate all countries in which you are a residend for tax purpose and associated Tax Payer )ndentification number. )n case of association with POA, the POA holder shoulder fill form to provide the above details mandatorily.

9. DEMAT ACCOUNT DETAILS* - Optional - refer instruction NSDL CDSLDP NAMEDP )DBeneficiary Account No

11. BANK ACCOUNT DETAILS OF THE FIRST APPLICANT refer instruction As per SEB) Regulations it is mandatory for investors to provide their bank account detailsAccount No. Name of the BankType of A/c SB Current NRE NRO FCNR Others Ps specify Branch Bank City)FSC code** MICR no Refer )nstruction . Mandatory to attach proof, in case the pay-out bank account is different from the bank account where the investment is made For unit holders opting to hold units in demat form, please ensure that the bank account is mentioned here. **Mandatory to credit via NEFT/RTGS

16. DECLARATION & SIGNATURE/S a (aving read & understand the contents of the Scheme )nformation Document of the Scheme & reinvestment scheme. )/We hereby apply for units of the scheme & agree to abide by the terms, conditions, rules & regulations governing the scheme. ) /We hereby declare that the amount invested in the scheme is through ligitimate sources only & does not involve & is not designed for the purpose of the contravention of any Act, Rules, Regulations, Notifications or Directions of the provisions of the )ncome Tax Act, Anti Money laundering Laws, Anti Corruption Laws or any other applicable laws enacted by the Govt. of )ndia from time to time. ) /We have understood the details of the scheme & ) /We have nor recieved nor have been induced by any rebate or gifts, directly or indirectly in making this investment. ) /We confirm that the funds invested in the Scheme, legally belong to me / us, )n the event ")now Tour Customer" process is not completed by me / us to the satisfaction of the AMC. ) /We hereby authorised the AMC, to redeem the funds invested in the Scheme, in favour of the applicant at the applicable NAV prevalling on the date of such redemption & undertaking such other action with such funds that may be required by the Law. b for NR)s: ) /We confirm that ) am/ we are Non Resident of )ndian Nationality / Origin & that ) /we have remitted funds from abroad through approved banking channels or from funds in my/our Non-Resident External / Non-Resident Ordinary. )/We confirm that details provided by me/us are true & correct. c The ARN holder 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 which the Scheme is being recommended to me/us. d )/We have read & understood the SEB) Circular no. MRD/DoP/Cir / dt. April , & SEB) Circular No. / MEM-COR/ / - dt. (une , regarding mandatory requirement of PAN. )/We confirm that )/we are holding valid PAN card / have applied for PAN. e The ARN holder has disclosed to me/us all the commission )n the form of trail commission or any other mode , payable to him for the different competing Scheme of various Mutual Fund from amongst which the Scheme is being recommended to me /us.

14. NOMINATION DETAILS Refer )nstruction No. )/We wish to nominate )/We DO NOT wish to nominate and sign here st Applicatnt Signature MandatoryNomination Name and Address Guardian Name in case of Minor Allocation % Nominee / Guardian Signature

Nominee 1 100%To register multiple nominee please fill seperate Nomination Form15. POA (Power of Attorney) REG)STRAT)ON DETA)LS Refer )nstruction overleafName of the POA holder Attached )YC Letter MandatoryPAN of the PoA holder Notarized copy of PoA

13. Option for Switch

Switch in To LIC Nomura MF Plan OptionRegular Direct Growth /Dividend / Div Reinvestment /Div PayoutAmount: Rs ___________________From

Scheme Name

Plan OptionRegular Direct Growth /Dividend / Div Reinvestment /Div PayoutFolio No.

Amount : Rs. Units:

LIC Nomura MF

12. INVESTMENT DETAILS [ Please tick √ ] Refer )nstruction No. , & )f this section is left blank, only folio will be createdSeparate cheque/demand draft must be )ssued for each )nvestment, drawn in favour of respective scheme name. Please write appropriate scheme name as well as the Plan / Option / Sub Option.* Cheque / DD Favouring Scheme Name refer )nstruction & Plan / Option Amount )nvested Rs. DD Charges Net Amount Paid Rs. Cheque/DD No./UTR No. in case of NEFT/RTGS Bank and Branch and Account Number*All purchases are subject to relaization of fund Refer to )nstruction No. Account Type Please tick √ SB Current NRE NRO FCNR Others Per Specify

1. Please read Key Information Memorandum, terms of the Scheme Information Documents) of the respective Scheme(s) and Statement of Additional Information carefully bef“re i‘‘ing the A””‘icati“n F“r’. Invest“rs sh“u‘d a””rise the’se‘ves “f the ”revai‘ing L“ad structure “n the date “f sub’itting the A””‘icati“n F“r’. Invest“rs are dee’ed t“ have acce”ted the ter’s subject t“ which these “ffers are being ’ade and bind the’se‘ves t“ the ter’s u”“n signing the A””‘icati“n F“r’ and tendering ”ay’ent New invest“rs wishing t“ ’ake SIP invest’ent wi‘‘ need t“ c“’”‘ete and sub’it b“th the A””‘icati“n F“r’ and the SIP Enr“‘’ent F“r ’ (f“r P“st Dated Cheques “r f“r Aut“ Debit/ ECS/ Standing Instructi“n as a””‘icab‘e).The A””‘icati“n F“r’ sh“u‘d be c“’”‘eted in ENGLISH and in BLOCK LETTERS “n‘y. P‘ease tick in the a””r“”riate b“x f“r re‘evant “”ti“ns wherever a””‘icab‘e. P‘ease d“ n“t “verwrite. F“r any c“rrecti“n / changes (if any) ’ade, the s“‘e / a‘‘ a””‘icants are requested t“ authenticate the sa’e by cance‘ing and re-writing the c“rrect detai‘s and c“unter-signing the sa’e. A””‘icati“ns c“’”‘ete in a‘‘ res”ects, ’ay be sub’itted at the designated Oficia‘ P“ints “f Acce”tance “f L1C N“’ura Mutua‘ Fund. Invest“rs ’ust write the A””‘icati“n F“r’ nu’ber / F“‘i“ nu’ber “n the reverse “f the cheques and bank drafts acc“’”anying the A””‘icati“n F“r’. Applications incomplete in any respect are liable to be rejected.

P‘ease n“te that if n“ P‘an is ticked / indicated in the A””‘icati“n f“r’, the units wi‘‘, by defau‘t be a‘‘“tted under the Gr“wth P‘an “f the Sche’e. Si’i‘ar‘y, Dividend Reinvest’ent O”ti“n “f the Dividend P‘an sha‘‘ be the defau‘t sub-“”ti“ns.2. Direct Investments: Invest“rs a””‘ying under Direct P‘an ’ust ’enti“n "Direct" in ARN c“‘u’n. In case Distribut“r c“de is ’enti“ned in the a””‘icati“n f“r’, but "Direct P‘an" is indicated against the Sche’e na’e, the Distribut“r c“de wi‘‘ be ign“red and the a””‘icati“n wi‘‘ be ”r“cessed under Direct P‘an. In case “f va‘id a””‘icati“n received with“ut indicating "Direct P‘an" against the Sche’e / P‘an na’e and with“ut any Distribut“r C“de ’enti“ned “n the f“r’, the a””‘icati“n wi‘‘ be ”r“cessed under "Direct P‘an".3. Investments through distributors

3.1. As ”er directi“ns “f Securities and Exchange B“ard “f India (SEBI), the distribut“rs, agents “r any ”ers“ns e’”‘“yed “r engaged “r t“ be e’”‘“yed “r engaged in the sa‘e and/“r distributi“n “f ’utua‘ fund ”r“ducts are required t“ have a va‘id certiicati“n fr“’ the Nati“na‘ Institute “f Securities Markets (NISM) by ”assing the certiicati“n exa’inati“n. Further, n“ agents / distribut“rs are entit‘ed t“ se‘‘ units “f ’utua‘ funds un‘ess the inter’ediary is register ed with Ass“ciati“n “f Mutua‘ Funds in India (AMFI). New cadre distribut“rs: SEBI has intr“duced a new cadre “f distribut“rs such as ”“sta‘ agents; retired g“vern’ent and se’i-g“vern’ent “ficia‘s (c‘ass HI and ab“ve “r equiva‘ent), retired teachers and retired bank “ficers (a‘‘ such retired ”ers“ns with at ‘east 10 years “f service) and “ther si’i‘ar ”ers“ns (such as Bank c“rres”“ndents) as ’ay be n“tiied by AMFI/AMC fr“’ ti’e t“ ti’e. Such New Cadre distribut“r can se‘‘ “n‘y 'sini”‘e and ”erf“r’ing' diversiied equity sche’es, index funds and ixed maturity

3.2. There is a ”re-ix “f *SD* bef“re the ARN nu’ber “f such distribut“rs. They a‘s“ h“‘d an EU1N which ’ust be qu“ted in the a””‘icati“n f“r’. In case y“ur a””‘icati“n f“r subscri”ti“n is thr“ugh such distribut“r is n“t f“r an e‘igib‘e sche’e, it is ‘iab‘e t“ be rejected.3.3. Enj”‘“yee Unique Identiicati“n Nu’ber (EUIN): SEBI has ’ade it c“’”u‘s“ry f“r every e’”‘“yee/ re‘ati“nshi” ’anager/ sa‘es ”ers“n “f the distribut“r “f ’utua‘ fund ”r“ducts t“ qu“te the EUIN “btained by hi’/her fr“’ AMFI in the A””‘icati“n F“r’. EUIN, ”articu‘ar‘y in advis“ry transacti“ns, w“u‘d assist in addressing any instance “f ’is- sc‘‘ing even if the e’”‘“yee/re‘ati“nshi” ’anager /sa‘es ”ers“n ‘ater ‘eaves the e’”‘“y’ent “f the distribut“r.Individua‘ ARN h“‘ders inc‘uding seni“r citizens distributing ’utua‘ fund ”r“ducts are a‘s“ required t“ “btain and qu“te EUIN in the A””‘icati“n F“r’. Hence, if y“ur invest’ents are r“uted thr“ugh a distribut“r ”‘ease ensure that the EUIN is c“rrect‘y i‘‘ed u” in the A””‘icati“n F“r’. H“wever, if y“ur distribut“r has n“t given y“u any advice ”ertaining t“ the invest’ent the EUIN b“x ’ay be ‘eft b‘ank. In this case, y“u are required t“ ”r“vide a du‘y signed dec‘arati“n t“ this effect, as given in the F“r’.3.4.Overseas