Reliance SIP Insure“A unique facility to Save, Grow & Insure”

What Rs 1000 p m can get youWhat Rs 1000 p.m can get you….

A dinner for your family

Watching movie with your spouse

Buy clothes for your kidsBuy clothes for your kids

Make you a Millionaire* & also get you free life insurance on your SIPMake you a Millionaire & also get you free life insurance on your SIP

installments

Confidential Slide

*please refer slide 3 for more details

What does it take to create wealth Investing Rs 1477What does it take to create wealth… Investing Rs 1477 per month @ 15%

p.a for 15 yrs makes you a

Millionaire

Rate of Return 8% 15%

Value /Yrs 10 15 20 10 15 20

5,00,000 2,715 1,435 843 1,794 739 330

10,00,000 5,430 2,871 1,686 3,589 1,477 660

25,00,000 13,575 7,177 4,216 8,972 3,694 1,649 , , , , , , , ,

50,00,000 27,150 14,354 8,432 17,943 7,387 3,298

100,00,000 54,300 28,707 16,865 35,886 14,774 6,597

The table shows the SIP amount required to be invested per month for achieving the target amount in the specified time period. The hypothetical rate of return on the investments is assumed at 8% & 15% p.a respectively

Confidential Slide

This is just an illustration, explaining the power of compounding concept and should not be assumed as a promise, guarantee or forecast on minimum returns and safeguard of capital. SIP does not assure a profit or guarantee protection against loss in a declining market. The calculation shows the outcome of investing a specified amount at a certain assumed rate of interest per annum.

Most likely reasons to investMost likely reasons to invest…..

Child’s Education

Child’s Marriage

Housing

RetirementRetirement

Safety

Confidential Slide

Everyone has one or more of the above reasons to invest for!

7 Successful habits of investing7 Successful habits of investingStart early

Don’t time the market

Prudent Asset allocation Would you like t th

Invest regularly

Understand the risk reward ratio

to guess the 8th habit that we got forUnderstand the risk reward ratio

Have a set investment objective

we got for you?

Invest for long term

Confidential Slide

I fi i l lInsure your financial goals…..

Confidential Slide

Before we know more about this product….let us understand the investment climate around us!

Value of Money over timeValue of Money over timeImpact of Inflation on monthly expenses of Rs 20,000

53,06660,000

20,00025,526

32,578

41,579

20 000

30,000

40,000

50,000

nthl

y Ex

ps in

Rs

-

10,000

20,000

Today 5 years 10 years 15 years 20 years

Mon

Value of Rs 1 lac over timeInflationInflation A Devil we need to beat it!A Devil we need to beat it!Period

100,000

78,35380 000

100,000

120,000

y

Inflation Inflation –– A Devil, we need to beat it!A Devil, we need to beat it!

61,39148,102

37,68940,000

60,000

80,000

Valu

e of

Mon

ey

Confidential Slide

Inflation @ 5% p.a-

20,000

Today 5 years 10 years 15 years 20 years

Period

This is an hypothetical illustration to explain the concept of “Power of Compounding”. Past Performance may or may not be sustained in future.

Where do people save their money?Where do people save their money?

Chit fund/NBFC, 9.4

Real Estate, 5

Equity market, 1.1

Life insurance, 32.8

9.4

Gold, 5.8Mutual Fund, 1.2

Banks, 44.9

Postal SavingsPostal Savings, 11.6

Source: Invest India Incomes and Savings Survey 2007**

Confidential Slide

Mutual Fund as an Asset Class has a very low penetration

Long Term Investing – Case Studies

Invest Systematically…..Invest Systematically…..

Its not the timing

Confidential Slide

but the time in the market which matters

Invest Long termInvest Long term…Money grows over a period of time…

Rs 1000 invested at 8%p.a every month for…%p y

Power of Compounding

348,345

592,947

400 000500,000600,000

afte

r di

ng

184,16660,000

240,000180,000120,00073,967

-100,000200,000300,000400,000

5 yrs 10 yrs 15 yrs 20yrs

Amou

nt a

com

poun

d

… just like a rolling snowball gathers snow & grows.

Period

Principal Amount

Confidential Slide

This is an hypothetical illustration to explain the concept of “Power of Compounding”. Past Performance may or may not be sustained in future.

It always pays to start early & save for retirementIt always pays to start early & save for retirement

B holds forA holds for B holds for20 years30 years

Start Early

1,488,6031,500,000

Age

of

120,000 120,000

689,511

-

500,000

1,000,000

mou

nt a

t the

A60

A & B invest Rs. 2000 every month, earning interest @ 8% p.a. on a monthlycompounding basis

A B

People Who have invested

Am

p gA starts at the age of 25 yrs, while B starts investing at the age of 35 yrsBoth of them invest for 5 yrs ( Rs. 1.2 lacs) and hold their investments till 60 yrs. of ageA’s investment appreciated to over Rs.14,88,603 while B’s investment grew to only Rs.6 89 511

Confidential Slide

6,89,511

Only an illustration to explain the power of compounding.

Past Performance of SIP in Reliance Growth Fund

RGFBSE

SIP Installment /Yrs 3 5 10 Since Inception

1 00047,384 85,310 711,113 2,804,629 45 635 77 664 334 587 720 548 BSE

1001,000 45,635 77,664 334,587 720,548

3,000142,153 255,930 2,133,340 8,413,886 136,905 232,993 1,003,762 2,161,644

5,000236,921 426,551 3,555,567 14,023,144 228,175 388,321 1,672,937 3,602,7395,000 228,175 388,321 1,672,937 3,602,739

10,000473,843 853,101 7,111,135 28,046,288 456,350 776,643 3,345,874 7,205,479

15,000710,764 1,279,652 10,666,702 42,069,432 684,525 1,164,964 5,018,811 10,808,218

Inception Date: 8th Oct 1995. Returns are of Retail Plan- Growth Plan – Growth option as on 31st May 2011. Past Performance may ormay not be sustained in future. The above table shows the historical SIP performance of Reliance Growth Fund (Retail Plan – GrowthPlan – Growth option) vis its benchmark BSE 100. For example; A person who had made an SIP of Rs 1000 p.m in the above fundsince inception on 8th Oct 1995 would have invested Rs 1.88 lacs by 31st May 2011 and have earnt a total amount of Rs 28.04 lacs.Disclaimer: Returns on SIP and Benchmark are annualised and cumulative investment return for cash flows resulting out of uniform andDisclaimer: Returns on SIP and Benchmark are annualised and cumulative investment return for cash flows resulting out of uniform andregular monthly subscriptions have been worked out on excel spreadsheet function known as XIRR. Calculations assume that all payoutsduring the period have been reinvested in the units of the scheme at then prevailing NAV. It is assumed that a SIP of Rs. 1000/- eachexecuted on 10th of every month has been taken into consideration including the first installment. It may please be noted that load has notbeen taken into consideration. The amounts invested in SIP and the market values of such investments at respective periodic intervals

f f f f S

Confidential Slide

thereof are simulated for illustrative purposes for understanding the concept of SIP. This illustration should not be construed as a promise,guarantee on or a forecast of any minimum returns. The Mutual Fund or the Investment Manager does not assure any safeguard of capitaland the illustrated returns are not necessarily indicative of future results and may not necessarily provide a basis for comparison with otherinvestments. SIP does not guarantee or assure any protection against losses in declining market conditions.

Make the right choice

Simple, straightforward way to

Make the right choice….

The alternative is to :create long term wealth

Understand and embrace Follow markets very closely

risk

Put time on your side

Time your entry and exit very

WellThe choice is yours to make………..

Invest systematically

Don’t worry about market timing

Select your stocks

judiciouslytiming

A tried & tested method And hope that you get it right

more often than not!

Confidential Slide

Systematic Investment Plan (SIP) & its benefitsSystematic Investment Plan (SIP) & its benefitsSIP is a long term investment technique under which you invest a fixed sum of money

on a monthly or quarterly basis in a mutual fund scheme at the prevailing NAV.

This allows you to save and invest regularly while you are earning.

Helps averagingProtects against market volatility

Improves probability

f b ttEliminates need for timing

Helps averaging cost of

investment

market volatility of better returns

Confidential Slide

Inculcates savings habit

gmarkets

Here comes the most sought after product

Are you looking at

Do you want an investment

Here comes the most sought after product……..

Are you looking at investing for the long

term??

technique which can make you invest

regularly??

thenChoose Choose

R li SIPR li SIP

D f

thenReliance SIP Reliance SIP InsureInsure

Do you want a free life insurance

cover??Do you want your

planned investments to be completed after your

Confidential Slide

be completed after your unforeseen death??

“A unique facility to Save, Grow & Insure”

Confidential Slide

Investor Benefits- “Save Grow & Insure”Investor Benefits Save, Grow & Insure

Free Life Insurance Cover-Enjoy Insurance on SIPs

Ensuring that the planned investments are completedp

Market Linked NAV based maturity

proceeds

Eliminates need for

proceedsWhy Reliance SIP Insure ?

Inculcates savings

Eliminates need for timing markets

Helps averaging cost of investment

Confidential Slide

ghabit

Reliance SIP Insure- What is it?

An add-on feature of life insurance cover under a Group Term Insurance provided

to individual investors with a view to encourage individual investors to save and

Reliance SIP Insure What is it?

to individual investors with a view to encourage individual investors to save and

invest regularly through Systematic Investment Plan (SIP) and help them achieve

their financial objective without any extra cost.

Objective:

I th f t t t f th d i f i t d i th t f th SIPIn the unfortunate event of the demise of an investor during the tenure of the SIP,

the insurance cover will take care of the unpaid installments.

Thus, the nominee* would be able to continue in the scheme without having to, g

make any further contribution. Investor’s long term financial planning and objective

of investing through SIP could still be fulfilled as per the targeted time horizon,

Confidential Slide

even if he/she dies prematurely.*Nominee account would mean nominee in case of single holding & second or joint holder in case of Joint Holding

Reliance SIP Insure – Product Features

Eligibility

All individual investors enrolling for investments via SIP and opting for ‘Reliance SIPInsure’Only individual investors whose completed age is between 18 years & 45 years (inclusiveOnly individual investors whose completed age is between 18 years & 45 years (inclusive

of both) at the time of investmentIn case of multiple holders in the any scheme, only the first unit holder will be

eligible for the insurance cover.

Minimum Investment per installment : Rs.1000 per month. (Except for Reliance Tax Saver (ELSS)

Investment Details

Fund where it is Rs 1000 p.m and in multiples of Rs 500 thereafter). There is no upper limit.

Minimum Period of Contribution : 3 years and in multiples of 1 month thereafter.

Maximum Period of Contribution for SIP: No upper limit for SIP tenure. The investor can opt forPerpetual SIP also. However the insurance cover ceases when the investor attains 55 years of age orthe completion of the SIP insure tenure whichever is earlier.

Mode of payment of SIP installments is only through Direct Debit & ECS ( Post Dated

Confidential Slide

Cheques shall not be accepted )

Reliance SIP Insure – Product FeaturesLoad StructureThere will an Exit Load of 2%, if the accumulated units acquired or allotted under Reliance SIPInsure are redeemed or switched out or the SIP Insure is discontinued or it is defaulted before the

t it f itt d SIP I t b f l ti f 55 f hi h i li

Reliance SIP Insure Product Features

maturity of committed SIP Insure tenure or before completion of 55yrs of age whichever is earlieras opted in the respective scheme either by the SIP-Insure unitholder or by the nominee, as thecase may be.

U l ti f 55 f if th till b l id SIP i t ll t th illUpon completion of 55 years of age, if there are still balance unpaid SIP installments, those willbe treated as Normal SIP with the relevant exit load as may be existing from time to time.

The following exit load structure is applicable for all kinds of redemptions in the following schemesd t i R li G th F d R t il Pl R li Vi i F d R t il Pl R lias on date viz : Reliance Growth Fund - Retail Plan, Reliance Vision Fund - Retail Plan, Reliance

Equity Opportunities Fund - Retail Plan, Reliance Equity Fund - Retail Plan, Reliance EquityAdvantage Fund- Retail Plan, Reliance Regular Savings Fund – Equity option, Reliance RegularSavings Fund – Balanced option, Reliance Banking Fund – Retail Plan, Reliance Pharma Fund,R li M di & E t t i t F d R li Di ifi d P S t F d R t il PlReliance Media & Entertainment Fund, Reliance Diversified Power Sector Fund – Retail Plan,Reliance Natural Resources Fund – Retail Plan, Reliance Quant Plus Fund – Retail Plan,Reliance Long Term Equity Fund and Reliance Infrastructure Fund – Retail Plan.

1% if redeemed/switched out on or before completion of 1 year from the date of allotment of

Confidential Slide

-1% if redeemed/switched out on or before completion of 1 year from the date of allotment ofunits. Nil if redeemed/switched after completion of 1 year from the date of allotment of units.

Reliance SIP Insure – Product FeaturesLoad Structure:While Reliance Small Cap Fund has the following exit load;

2% If redeemed or switched out on or before completion of 12 months from the date of

Reliance SIP Insure Product Features

pallotment of units

1% If redeemed or switched out after 12 months but on or before completion of 24 monthsfrom the date of allotment of units

Nil If redeemed or switched out after the completion of 24 months from the date of allotmentpof units

While nil load in Reliance Tax Saver (ELSS) Fund

Notes:1. There will be Nil exit load (For the units acquired under SIP Insure before the age of 55

years), if the SIP Insure is discontinued before the maturity of committed SIP Insure tenureor before completion of 55 yrs of age whichever is earlier and redeemed after completion ofp y g p55 yrs of age either by the SIP-Insure unit holder or by the nominee, as the case may be.

2. In the event of the death of the investor and the redemption by the nominee, beforecompletion of SIP Insure Tenure or before attaining 55 yrs of age, there shall be an an exitload of 2% on the repurchase units.

Confidential Slide

p

Reliance SIP Insure – Product FeaturesCommencement of Insurance Cover:

The Insurance cover shall commence after “waiting period” of 90 days from the commencement

Reliance SIP Insure Product Features

of SIP installments. However the waiting period will not be applicable in respect of accidental

deaths. Amount of Life Insurance Cover Available

The Life Insurance Cover under ‘SIP Insure’ facility will be revised as per the following

clauses;

An amount equivalent to the aggregate balance of unpaid SIP installments subject to aAn amount equivalent to the aggregate balance of unpaid SIP installments, subject to a

maximum of Rs.10 lakhs per investor across all schemes / plans and folios will be invested in

the Nominee’s* account

Confidential Slide

Reliance SIP Insure – Product FeaturesThe Life Insurance amount will be invested in the Nominee’s account, in the same scheme*

under which the deceased investor has enrolled for SIP. The investment will be at the applicable

price based on the closing NAV on the date on which the cheque for insurance claim settlement

Reliance SIP Insure Product Features

price based on the closing NAV on the date on which the cheque for insurance claim settlement

is received by the AMC from the insurance company, subject to completion of requisite

procedure for transmission of units in favour of the nominee.

* N t li bl f R li T S (ELSS) F d F R li T S (ELSS) F d* Not applicable for Reliance Tax Saver (ELSS) Fund. For Reliance Tax Saver (ELSS) Fund;

Investors are requested to note that there will be a lock - in period of 3 years for each SIP

Insure installment under ‘Reliance Tax Saver (ELSS) Fund’ as per the Government

Notification of 2005 and in the event of demise of the unitholder, the nominee would be able

to withdraw the investment amount only after the completion of one year from the date of

allotment of the units or anytime thereafter without any exit load.y y

The insurance amount as per the sum assured clause in earlier slides subject to a maximum

of Rs. 10 lakhs in a lumpsum in cash will be paid to the nominee in case of death of the

ith ld ( lik th h h i th i t ill b l il i t d

Confidential Slide

unitholder (unlike other schemes, wherein the insurance amount will be compulsorily invested

in the respective scheme and the nominee is allotted the units.)

Reliance SIP Insure How does this work?Reliance SIP Insure–How does this work?

An investor does a monthly SIP of Rs. 10,000 for 5 years y yin Reliance Growth Fund

If he dies after a period of 3 yrs, then his p y ,

Sum Assured= Unpaid SIP installments

= 2 yrs ( 5 yrs-3 yrs) X 12 months X 10, 000

Rs 2 40 000

This amount will be paid by life insurance company to SIP investor’s nominee account * with

= Rs 2,40,000

This amount will be paid by life insurance company to SIP investor s nominee account withReliance Mutual Fund and will be invested in Reliance Growth Fund (in the same scheme inwhich the deceased has earlier invested)

Confidential Slide

*Nominee account would mean nominee in case of single holding & second or joint holder in case of Joint Holding

Reliance SIP Insure – Product FeaturesReliance SIP Insure Product FeaturesOne can aim to have a target insurance cover as per one’s requirement by referring to the matrix attached below

Life Insurance Cover/Yrs 3 5 10 15 20 251,000,000 27,778 16,667 8,334 5,556 4,167 3,333

900 000 25 000 15 000 7 500 5 000 3 750 3 000900,000 25,000 15,000 7,500 5,000 3,750 3,000

800,000 22,222 13,333 6,667 4,444 3,333 2,667

700,000 19,444 11,667 5,833 3,889 2,917 2,333

600,000 16,667 10,000 5,000 3,333 2,500 2,000

500,000 13,889 8,333 4,167 2,778 2,083 1,667

400,000 11,111 6,667 3,333 2,222 1,667 1,333

300,000 8,333 5,000 2,500 1,667 1,250 1,000

Cells in yellow would not be applicable under Minimum SIP amount category under Reliance SIP Insure Facility

200,000 5,556 3,333 1,667 1,111 833 667

100,000 2,778 1,667 833 556 417 333

Confidential Slide

The table shows the SIP amount per month to be invested for the required combination of Eligible Insurance Cover &Tenure. For example, to have a maximum cover of Rs 10 lacs at the time of registration in Reliance SIP Insure Facility,one can invest Rs 5,556 p.m for a period of 15 yrs as per the cell highlighted in pink.

Reliance SIP Insure – Product FeaturesEligible schemes

Reliance Growth Fund - Retail Plan

Reliance Vision Fund - Retail Plan

Reliance SIP Insure Product Features

Reliance Equity Opportunities Fund - Retail Plan

Reliance Equity Fund - Retail Plan

Reliance Equity Advantage Fund- Retail Plan

Reliance Regular Savings Fund – Equity option

Reliance Regular Savings Fund – Balanced option

Reliance Banking Fund- Retail Plan

Reliance Pharma FundReliance Pharma Fund

Reliance Media & Entertainment Fund

Reliance Diversified Power Sector Fund – Retail Plan

Reliance Natural Resources Fund- Retail Plan

Reliance Quant Plus Fund – Retail Plan

Reliance Tax Saver (ELSS) Fund

Reliance Long Term Equity Fund

Confidential Slide

Reliance Infrastructure Fund- Retail Plan

Reliance Small Cap Fund

Reliance SIP Insure – Expiry of the policy

The insurance cover shall cease upon occurrence of any of the following:

Reliance SIP Insure Expiry of the policy

At the end of mandated Reliance SIP Insure tenure. i.e., upon completion of payment of all

the monthly installments as registered or till attaining 55 years of age whichever is earlier

Discontinuation of SIP installments midway by the investor i.e., before completing the opted

SIP tenure /installments or till attaining 55 years of age whichever is earlier

Redemption / switch-out of units purchased under Reliance SIP Insure before completion

the mandated SIP tenure / installments or till attaining 55 years of age whichever is earlier

In case of default in payment of two consecutive monthly SIP installments or four separate

occasions of such defaults during the tenure of the SIP duration chosen or till attaining 55

Confidential Slide

years of age whichever is earlierNote -There is no provision for revival of insurance cover, once the insurance cover ceases as stated above. The Cost of the Insurance premia will continue to be borne by RCAM.

Reliance SIP Insure – Exclusions for Insurance cover

No SIP Insure cover shall be admissible in respect of death of the SIP-Insure unitholder (the

Reliance SIP Insure Exclusions for Insurance cover

insured person) on account of -

Death due to suicide

Death within 90 days from the commencement of SIP installments except for death due to

accident.

Death due to pre-existing illness, disease(s) or accident which has occurred prior to the

start of cover.

Confidential Slide

Reliance SIP Insure – Documentation

It is mandatory for each investor to sign and submit the following documents under this facility;

Reliance SIP Insure Documentation

Application Form

ECS/ Direct Debit Form

Personal Statement of Health

Confidential Slide

For our existing investors there is no need to give the first SIP cheque

Invest India Incomes and Savings Survey 2007

**The Survey consisted of two components:

1. Complete household listing (over one million households) from randomly selected 1815 wards covering

852 towns and 931 villages, and

2. 96,088 representative individual respondent interviews (urban sample 72,979 respondents and rural

sample of 23,109 respondents) carried out in the same locations.

Respondents were drawn mainly from earning members of the Indian workforce who derive cash incomes

from salaries, wages, profits and earnings from self employment and business activities (approximately 321

million persons nationally).

The 321 million figure is the base figure from which they have done about over a million households and

96,088 in depth interviews.

Data Source for this presentation

•This presentation is drawn from the data of the Invest India Incomes and Savings Survey which was

completed in June 2007.

•This is based on in-depth interviews with 1 lakh respondents aged 18-59 yrs with cash incomes and

supported by a household listing sample of 1 million.

Confidential Slide

•The figures projected refer to the 321 million paid work force of India in the presentation.

Source: IIMS Data Works survey

The views expressed herein constitute only the opinions and do not constitute any guidelines or recommendation on any course of action to be followed by the reader.This information is meant for general reading purposes only and is not meant to serve as a professional guide for the readers. Certain factual and statistical (bothhistorical and projected) industry and market data and other information was obtained by RCAM from independent, third-party sources that it deems to be reliable,some of which have been cited above. However, RCAM has not independently verified any of such data or other information, or the reasonableness of theassumptions upon which such data and other information was based, and there can be no assurance as to the accuracy of such data and other information. Further,many of the statements and assertions contained in these materials reflect the belief of RCAM, which belief may be based in whole or in part on such data and otherinformation.Th S th I t t M th T t f th i ti di t l ffili t t ti d t ibilit fThe Sponsor, the Investment Manager, the Trustee or any of their respective directors, employees, affiliates or representatives do not assume any responsibility for, orwarrant the accuracy, completeness, adequacy and reliability of such information. Whilst no action has been solicited based upon the information provided herein, duecare has been taken to ensure that the facts are accurate and opinions given are fair and reasonable. This information is not intended to be an offer or solicitation forthe purchase or sale of any financial product or instrument. Recipients of this information should rely on information/data arising out of their own investigations.Readers are advised to seek independent professional advice, verify the contents and arrive at an informed investment decision before making any investments.None of the Sponsor, the Investment Manager, the Trustee, their respective directors, employees, affiliates or representatives shall be liable for any direct, indirect,special, incidental, consequential, punitive or exemplary damages, including lost profits arising in any way from the information contained in this material.The Sponsor the Investment Manager the Trustee any of their respective directors employees including the fund managers affiliates representatives includingThe Sponsor, the Investment Manager, the Trustee, any of their respective directors, employees including the fund managers, affiliates, representatives includingpersons involved in the preparation or issuance of this material may from time to time, have long or short positions in, and buy or sell the securities thereof, ofcompany(ies) / specific economic sectors mentioned herein.Reliance Growth Fund (An Open ended Equity Growth Scheme): The primary investment objective of the scheme is to achieve long term growth of capital byinvesting in equity and equity related securities through a research based investment approach. Reliance Vision Fund (An Open ended Equity Growth Scheme):The primary investment objective of the scheme is to achieve long-term growth of capital by investment in equity and equity related securities through a researchbased investment approach. Reliance Equity Opportunities Fund (An Open ended Diversified Equity Scheme): The primary investment objective of the schemeis to seek to generate capital appreciation & provide long term growth opportunities by investing in a portfolio constituted of equity securities & equity related securitiesis to seek to generate capital appreciation & provide long-term growth opportunities by investing in a portfolio constituted of equity securities & equity related securitiesand the secondary objective is to generate consistent returns by investing in debt and money market securities. Reliance Equity Fund (An Open ended DiversifiedEquity Scheme): The primary investment objective of the scheme is to seek to generate capital appreciation & provide long-term growth opportunities by investing ina portfolio constituted of equity & equity related securities of top 100 companies by market capitalization & of companies which are available in the derivatives segmentfrom time to time and the secondary objective is to generate consistent returns by investing in debt and money market securities. Reliance Equity Advantage Fund(An Open ended Diversified Equity Scheme): The primary investment objective of the scheme is to seek to generate capital appreciation & provide long-term growthopportunities by investing in a portfolio predominately of equity & equity related instruments with investments generally in S & P CNX Nifty stocks and the secondaryobjective is to generate consistent returns by investing in debt and money market securities Reliance Regular Savings Fund (An open ended Scheme) Equityobjective is to generate consistent returns by investing in debt and money market securities. Reliance Regular Savings Fund (An open ended Scheme) EquityOption: The primary investment objective of this Option is to seek capital appreciation and/or to generate consistent returns by actively investing in equity / equityrelated securities. Balanced Option: The primary investment objective of this Option is to generate consistent return and appreciation of capital by investing in mix ofsecurities comprising of Equity, Equity related Instruments & Fixed income instruments. Reliance Banking Fund (An Open ended Banking Sector Scheme): Theprimary investment objective of the scheme is to generate continuous returns by actively investing in equity and equity related or fixed income securities of companiesin the banking sector.

Confidential Slide

Reliance Pharma Fund (An Open ended Pharma Sector Scheme): The primary investment objective of the scheme is to seek to generate consistent returns byinvesting in equity and equity related securities or fixed income securities of Pharma and other associated companies. Reliance Media & Entertainment Fund (AnOpen ended Media & Entertainment Sector Scheme): The primary investment objective of the scheme is to generate continuous returns by investing in equity andequity related or fixed income securities of Media & Entertainment and other associated companies. Reliance Diversified Power Sector Fund (An Open endedPower Sector Scheme): The primary investment objective of the scheme is to seek to generate continuous returns by actively investing in equity and equity related orfixed income securities of Power and other associated companies. Reliance Natural Resources Fund (An Open Ended Equity Scheme): The primary investmentobjective of the scheme is to seek to generate capital appreciation & provide long-term growth opportunities by investing in companies principally engaged in thedi d l t d ti di t ib ti f t l d th d bj ti i t t i t t t b i ti i d bt ddiscovery, development, production, or distribution of natural resources and the secondary objective is to generate consistent returns by investing in debt and moneymarket securities. Reliance Quant Plus Fund (An Open ended Equity Scheme): The investment objective of the Scheme is to generate capital appreciation throughinvestment in equity and equity related instruments. The Scheme will seek to generate capital appreciation by investing in an active portfolio of stocks selected from S& P CNX Nifty on the basis of a mathematical model. Reliance Long Term Equity Fund (An open ended diversified equity Scheme): The primary investmentobjective of the scheme is to seek to generate long term capital appreciation & provide long-term growth opportunities by investing in a portfolio constituted of equity &equity related securities and Derivatives and the secondary objective is to generate consistent returns by investing in debt and money market securities. RelianceInfrastructure Fund (An open ended Equity Scheme): The primary investment objective of the scheme is to generate long term capital appreciation by investingpredominantly in equity and equity related instruments of companies engaged in infrastructure and infrastructure related sectors and which are incorporated or havepredominantly in equity and equity related instruments of companies engaged in infrastructure and infrastructure related sectors and which are incorporated or havetheir area of primary activity, in India and the secondary objective is to generate consistent returns by investing in debt and money market securities. Reliance SmallCap Fund (An Open Ended Equity Scheme): The primary investment objective of the scheme is to generate long term capital appreciation by investingpredominantly in equity and equity related instruments of small cap companies and the secondary objective is to generate consistent returns by investing in debt andmoney market securities. Reliance Tax Saver (ELSS) Fund (An Open ended Equity Linked Savings Scheme): The primary objective of the scheme is to generatelong-term capital appreciation from a portfolio that is invested predominantly in equity and equity related instruments.Statutory Details: Reliance Mutual Fund has been constituted as a trust in accordance with the provisions of the Indian Trusts Act, 1882. Sponsor: Reliance CapitalLimited Trustee: Reliance Capital Trustee Company Limited Investment Manager: Reliance Capital Asset Management Limited (Registered Office of Trustee &Limited. Trustee: Reliance Capital Trustee Company Limited. Investment Manager: Reliance Capital Asset Management Limited (Registered Office of Trustee &Investment Manager: “Reliance House” Nr. Mardia Plaza, Off. C.G. Road, Ahmedabad 380 006). The Sponsor, the Trustee and the Investment Manager areincorporated under the Companies Act 1956. The Sponsor is not responsible or liable for any loss resulting from the operation of the Scheme beyond their initialcontribution of ` 1 lakh towards the setting up of the Mutual Fund and such other accretions and additions to the corpus.Terms of issue: The NAV of all the Schemes will be calculated and declared on every Working Day. All the Schemes provide sale / switch – in & repurchase /switch -out facility on all Business Days at NAV based prices except for Reliance Tax Saver (ELSS) Fund. The units in Reliance Tax Saver (ELSS) Fund are subject to lockin period of three years.

Risk Factors: Mutual Funds and securities investments are subject to market risks and there is no assurance and no guarantee that the Scheme objectivewill be achieved. As with investments in any securities, the NAV of the units issued under the Scheme can go up or down depending on the factors andforces affecting the securities market. Reliance Growth Fund, Reliance Vision Fund, Reliance Equity Opportunities Fund, Reliance Equity Fund, RelianceEquity Advantage Fund, Reliance Regular Savings Fund, Reliance Banking Fund, Reliance Pharma Fund, Reliance Media & Entertainment Fund, RelianceDiversified Power Sector Fund, Reliance Natural Resources Fund, Reliance Quant Plus Fund, Reliance Long Term Equity Fund, Reliance InfrastructureFund, Reliance Small Cap Fund, Reliance Tax Saver (ELSS) Fund are only the name of the Schemes and do not in any manner indicate either the quality ofthe Scheme, its future prospects or returns. Past performance of the Sponsor/AMC/Mutual Fund is not indicative of future performance of the Scheme. The NAV of

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, p p p p pthe Scheme may be affected, interalia, by changes in the market conditions, interest rates, trading volumes, settlement periods and transfer procedures. Please readthe Scheme Information Document and Statement of Additional Information carefully before investing.

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