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Key Information Memorandum and

Application Form for Debt Schemes

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, associate transactions etc., investors should, before investment, refer to the Offer Document

available free of cost at any of the Investor Service Centres or distributors or from the website www.dbscholamutualfund.com

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

1996, as amended till date, and filed with Securities and Exchange Board of India (SEBI). The units being offered for public subscription

have not been approved or disapproved by SEBI, nor has SEBI certified the accuracy or adequacy of this KIM.

Investors are advised to consult their Legal, Tax, Finance and other Professional Advisors before making decision to invest in or redeem

the units, in regard to tax / legal issues relating to their investments in the Scheme(s) / Plan(s).

The date of this Key Information Memorandum is August 2, 2007.

Debt Schemes

World Trade Centre, Centre 1, 27th Floor,

Unit 1, Cuffe Parade, Mumbai 400 005

DBS Chola Triple Ace

DBS Chola Freedom Income Short Term Fund

DBS Chola Liquid Fund

DBS Chola Gilt Fund

DBS Chola Monthly Income Plan(a scheme with no assured return)

DBS Chola Short Term Floating Rate Fund

DBS Chola Treasury Management Fund

Offer of Units at NAV based prices plus applicable load, if any.

SPONSOR

Cholamandalam DBS Finance LimitedRegistered Office: Dare House, No. 2, N S C Bose Road, Chennai - 600 001

INVESTMENT MANAGER

DBS Cholamandalam Asset Management LimitedRegistered Office:Dare House, No. 2, N S C Bose Road, Chennai - 600 001

Head Office:World Trade Centre, Centre 1, 27th Floor, Unit 1,

Cuffe Parade, Mumbai - 400 005

TRUSTEE

DBS Cholamandalam Trustees LimitedRegistered Office: Dare House, No. 2, N S C Bose Road, Chennai - 600 001


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1Key Information Memorandum - DEBT SCHEMES

Name of Scheme DBS Chola Triple Ace DBS Chola Freedom Income Short Term FundInvestment Objective The investment objective of the scheme would be to provide regular and stable income

to Unitholder. The corpus of the scheme would be invested primarily in debt marketsecurities, such as non-convertible debentures, bonds issued by corporates, bank andgovernment, commercial paper, certificates of deposit and other money marketinstruments. The scheme would invest predominantly in securities rated by the CreditRating and Information Services of India Ltd. (CRISIL), or any othe rating agency.

An Income Scheme with at least 80% investments in Fixed IncomeSecurities with the objective of generating regular and stable income forthe unitholders of the Scheme. The balance will be invested in moneymarket instruments of high quality. The Scheme will not invest in equitiesor equity related instruments.

Asset Allocation Pattern

of the Scheme

Type of Instrument Allocation (% of Net Assets)

D ebt & Gove rnment Securi ti es (i nc luding cash / cal l money) 80-100Money Market instruments (including cash / call money) 0-20


Debt Securities 80-100Money Market instruments (includin g cash / call mone y) 0-100

Risk Profile of the Scheme Mutual Fund investments are subject to market risks. Please read the Offer Document carefully for details on risk factors before investment.

Plans and Options Plans Options FacilityRegular Quarterly Dividend, Semi-annually Dividend, Bonus Payout and

and Cumulative* Reinvestment**

* If no option is specified at the time of application, the default option is Cumulative Option.

** If no facility is specified the default facility is dividend re-investment

Plans Options Facility

Regular Monthly / Semi-annually Dividend and Cumulative* Payout and Reinvestment**Institutional Weekly / Monthly Dividend and Cumulative* Payout and Reinvestment**DDRIP^ Reinvestment* If no option is specified at the time of application, the default option is Cumulative Option.** If no facility is specified the default facility is dividend Re-investment^ w.e.f. May 17, 2007 DDRIP - Daily Dividend Reinvestment Plan

Applicable NAV (after the schemeopens for repurchase and sale)

The applicable NAV for purchase or redemption or switching of units will be based on the time of the Business Day on which the application is accepted.Please refer to Page No. 5 for further details.

Minimum ApplicationAmount (Under eachPlan / Option)

Purchase / Repurchase Minimum Amount

First Purchase Rs. 2,000 and in multiples of Rs. 100/-

Additional Purchase Rs. 1,000 and in multiples of Rs. 100/-Repurchase Rs. 500 or 50 units as the case may be

Plans Purchase / Repurchase Minimum AmountRegular First Purchase Rs. 3,000 and in multiples of Rs. 100/-

Additional Purchase Rs. 1,000 and in multiples of Rs. 100/-

Institutional First Purchase Rs. 10,00,000/-Additional Purchase Rs. 1,00,000 and in multiples of Re. 1/-

Daily Dividend First Purchase Rs. 1,00,000 and in multiples of Re. 1/-Reinvestment Plan Additional Purchase Rs. 5,000 and in multiples of Re. 1/- thereafterRegular / Institutional Repurchase Rs. 500 or 50 units as the case may be

Despatch of repurchase(Redemption) request

Within 10 working days of the receipt of the redemption request at the official points of acceptance of DBS Chola Mutual Fund

Benchmark Index CRISIL Composite Bond Fund Index CRISIL Short Term Fund Index

Dividend Policy Please refer to Page No. 5 for detailsName of the Fund Manager Mr. Ashish NigamName of the Trustee Company DBS Cholamandalam Trustees Ltd.

Expenses of the Scheme

(i) Load Structure

Continuous Offer Period

Investment Entry Load Exit Load

Rs. 10 Lakh NIL NIL

The Trustee reserves the right to change / modify the load structure from a prospective date.

(ii) Actual Expenses for 06-07 Actual expenses for the scheme were Rs. 37.15 lacs amounting to 2.25%of Average Daily Net Assets for the financial year 2006-07.

Actual expenses for the scheme were Rs. 25.15 lacs amounting to 0.55%of Average Daily Net Assets for the financial year 2006-07

(iii) Recurring Expenses(% of weekly AverageNet Assets)

Net Assets % of weekly Average Net Assets

First Rs. 100 crores 2.25

Next Rs. 300 crores 2.00


Balance 1.50

Tax Treatment for the Investors Please refer to Page No. 5 for details


Entry Load Exit Load

NIL NIL


Performance of the Scheme(As at March 31, 2007)

Returns Data

Compounded Annualised Returns Scheme Returns % Benchmark Returns %*

For the Last 1 year 3.35 3.72

For the Last 3 years 2.01 2.39For the Last 5 years 5.20 5.31

Since Inception (31/03/97) 9.25

* CRISIL Composite Bond Fund Index is the Benchmark Index for the Scheme

Date of Inception is March 31, 1997

DBS Chola Freedom Income - Short Term Fund -Regular Plan - Cumulative Option

Returns Data

Compounded Scheme Benchmark

Annualised Returns ReturnsReturns % %*For the Last 1 year 6.81 5.68For the Last 3 years 5.00 4.18For the Last 5 years 5.84 5.23Since Inception(08/03/02) 5.86 * CRISIL Short Term Fund Index is the Benchmark Index for th e Scheme.The data is available from 30th March, 2002Date of Inception is March 8, 2002

DBS Chola Freedom Income - Short Term Fund -Institutional Plan - Cumulative Option

Returns Data

Compounded Scheme BenchmarkAnnualised Returns ReturnsReturns % %*

For the Last 1 year 6.86 5.68For the Last 3 years 5.00 4.18Since Inception(10/04/03) 5.29 4.51

* CRISIL Short Term Fund Index is the Benchmark Index for th e Scheme.The data is available from 30th March, 2002Date of Inception is April 10, 2003. Hence 5 years returns are not available

Year-wise returns for the last 5 financial years

8.00

7.00 6.00

5.00

4.00

3.00

2.00

1.00

0.00

31/03/06-

31/03/07

31/03/04-

31/03/07

10/04/03-

31/03/07

Year-wise returns for thelast 3 financial years

Scheme Returns

Benchmark Returns

10.00

9.00

8.00

7.00

6.00

5.00

4.00

3.00

2.00

1.00

0.00

31/03/06-

31/03/07

31/03/04-

31/03/07

31/03/02-

31/03/07

31/03/97-

31/03/07

Scheme Returns Benchmark Returns

8.00

7.00

6.00

5.00

4.00

3.00

2.00

1.00

0.00

31/03/06-

31/03/07

Year-wise returns for thelast 5 financial years

Scheme Returns

Benchmark Returns

31/03/04-

31/03/07

31/03/02-

31/03/07

08/03/02-

31/03/07


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2 Key Information Memorandum - DEBT SCHEMES

Returns Data



Since Inception (10/08/05) 6.76 5.80

* CRISIL Liquid Fund Index is the Benchmark index for the Scheme.

Date of Inception is August 10, 2005 hence 3 and 5 years returns are not available

Name of Scheme DBS Chola Gilt Fund

Investment Objective The investment objective of the Scheme wil l be to generate returnsfrom a portfolio from investments in Government Securities.

Asset Allocation Pattern

of the Scheme

Type of Instrument Allocation

(% of Net Assets)Government Securities 80-100

Money Market Instruments (including cash / callmoney) 0-20


Plans and Options Options Facility

Dividend Quarterly

Cumulative* NIL

* If no option is specified at the time of application, the default option isCumulative Option.


The applicable NAV for purchase or redemption or switching of units will be based on the time of the Business Day on which theapplication is accepted. Please refer to Page No. 5 for further details.


Purchase /Repurchase Options Minimum Amount

First Purchase Dividend / Rs. 10,000/- andCumulat ive in mult iples of Re. 1/-

Additional Purchase Dividend / Rs. 1,000/- andCumulat ive in mult iples of Re. 1/-

Repurchase Dividend / Rs. 500/- or 50 unitsCumulative as the case may be



Benchmark Index I-Sec Li-Bex Index

Dividend Policy Please refer to Page No. 5 for details

Name of the Fund Manager Mr. Ashish Nigam

Name of the Trustee Company DBS Cholamandalam Trustees Ltd.



10.00

9.00

8.00

7.00

6.00

5.00

4.00

3.00

2.00

1.00

0.00 31/03/06-

31/03/07

31/03/04-

31/03/07

31/03/02-

31/03/07

02/05/00-

31/03/07


Returns Data



For the Last 3 years 0.98 2.72

For the Last 5 years 6.17


* I-Sec Li-Bex Index is the Benchmark index for the Scheme.Date of Inception is May 2, 2000


(i) Load Structure

(ii) Actual Expenses for 06-07 Actual expenses for the scheme were Rs. 2.67 lacs amounting to 2.36%of Average Daily Net Assets for the financial year 2006-07



First Rs. 100 crores 2.25


Next Rs. 300 crores 1.75Balance 1.50



Plan Entry Load Exit Load

Gilt Investment Plan NIL NIL


DBS Chola Short Term Floating Rate FundThe primary objective of the Scheme is to generate regular incomethrough investment in a portfolio comprising substantially offloating rate debt / money market instruments, fixed rate debt /money market instruments swapped for floating rate returns, andfixed rate debt securities, Government securities and moneymarket instruments.

50-100% - Floating rate debt, bank obligations and money market

instruments swapped for floating rate returns.0-50% - Fixed rate debt, bank obligations and money marketinstruments (including floating rate instruments swapped for fixedrate returns)

Actual expenses for the scheme were Rs. 181.40 lacs amounting to 0.55%of Average Daily Net Assets for the financial year 2006-07.

Options Facility

Dividend Daily / Weekly / Monthly

Cumulative* NIL

* If no option is specified at the time of application, the defaultoption is Cumulative Option.

Purchase /Repurchase Options Minimum Amount

First Purchase Dividend / Rs. 5,000 andCumulative in mult iples of Rs. 1/ -

Additional Purchase Dividend / Rs. 1,000 andCumulative in mult iples of Re. 1/-

Repurchase Dividend / Rs. 500/- or 50 unitsCumulative as the case may be

Year-wise returns for the last 1 financial year

9.00

8.00

7.00

6.00

5.00

4.00

3.00

2.00

1.00

0.00

31/03/06-

31/03/07


10/08/05-

31/03/07

CRISIL Liquid Fund Index



NIL NIL



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Name of Scheme DBS Chola Liquid FundInvestment Objective The investment objective will be to generate reasonable returns while maintaining safety and providing the investor superior liquidity.

To achieve this objective, investments will be predominantly made in a well-diversified and highly liquid portfolio of money marketinstruments, government securities and corporate debt.

Asset Allocation Patternof the Scheme


Debt Securities 0-100

Securitised Debt 0-100

Money Market instruments (including cash / call money) 20-100Risk Profile of the Scheme Mutual Fund investments are subject to market risks. Please read the Offer Document carefully for detai ls on risk factors before investment.


(i) Load Structure

(ii) Actual Expenses for 06-07 Actual expenses for the scheme were Rs. 322.27 lacs amounting to 0.31% of Average Daily Net Assets for the financial year 2006-07.

(iii) Recurring Expenses

(% of weekly AverageNet Assets)


First Rs. 100 crores 2.25Next Rs. 300 crores 2.00


Balance 1.50




NIL NIL


Plans and Options Plans Options Facility

Regular Weekly Dividend and Cumulative* Payout and Reinvestment**

Institutional Plus Plan Weekly Dividend and Cumulative* Payout and Reinvestment**

Institutional Plan Daily Dividend Re-investment

Super Institutional Plan Weekly Dividend and Cumulative* Payout and Reinvestment**

* If no option is specified at the time of application, the default option is Cumulative Option.** If no facility is specified the default facility is dividend Re-investment



Benchmark Index CRISIL Liquid Fund Index

Dividend Policy Please refer to Page No. 5 for detailsName of the Fund Manager Mr. Ashish NigamName of the Trustee Company DBS Cholamandalam Trustees Ltd.




Plans Purchase Options Minimum Amount

Regular First Purchase Dividend /Cumulative Rs. 10,000/- and in multiples of Re. 1/-

Additional Purchase Dividend /Cumulative Rs. 5,000/- and in multiples of Re. 1/-

Institutional Plus Plan First Purchase Dividend /Cumulative Rs. 10,00,000/- and in multiples of Re. 1/-Additional Purchase Dividend /Cumulative Rs. 1,00,000/- and in multiples of Re. 1/-

Institutional Plan - Daily First Purchase Rs. 1,00,000/- and in multiples of Re. 1/-

Dividend Re-investment Plan Additional Purchase Rs. 5,000/- and in multiples of Re. 1/-

Super Institutional Plan First Purchase Dividend /Cumulative Rs. 5/- crore and any amount thereafter

Additional Purchase Dividend /Cumulative Rs. 1,00,000/- and any amount thereafter


DBS Chola Liquid Fund -Regular Plan - Cumulative Option

Returns DataCompounded Scheme BenchmarkAnnualised Returns Returns % Returns %*





* CRISIL Liquid Fund Index is the Benchmark Index for the Scheme.The data is available only from 30th March, 2002Date of Inception is October 4, 2000

DBS Chola Liquid Fund -Institutional Plus Plan - Cumulative Option

Returns DataCompounded Scheme BenchmarkAnnualised Returns Returns % Returns %*



Since Inception(10/04/03) 5.70 4.91

* CRISIL Liquid Fund Index is the Benchmark Index for the Scheme.Date of Inception is April 10, 2003. Hence 5 years returns are not available.


7.00

6.00

5.00

4.00

3.00

2.00

1.00

0.00

31/03/06-

31/03/07


31/03/04-

31/03/07

31/03/02-

31/03/07

04/10/00-

31/03/07


7.00

6.00

5.00

4.00

3.00

2.00

1.00

0.00

31/03/06-

31/03/07

10/04/03-

31/03/07

Absolute Returns Scheme BenchmarkReturns % Returns %*

Since Inception (03/10/06) 3.19 3.17

* CRISIL Liquid Fund Index is the Benchmark Index for the Scheme.Date of Inception is October 3, 2006. Hence 1, 3, 5 years returns are not available.

DBS Chola Liquid Fund - Super Institutional Plan - Cumulative Option

6.00

5.00

4.00

3.00

2.00

1.00

0.00

03/10/06-31/03/07

S chem e Ret ur ns Benchma rk Re tu rn s

S chem e Ret ur ns Benchma rk Re tu rn s

31/03/04-

31/03/07


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Returns Data

Absolute Returns Scheme Returns % Benchmark Returns %*

Since Inception (23/03/07) 0.40 0.21

* CRISIL Liquid Fund Index is the Benchmark index for the Scheme.

Date of Inception is March 23, 2007 hence 1, 3 and 5 years returns are not available

Name of Scheme DBS Chola Monthly Income Plan(a scheme with no assured returns)

DBS Chola Treasury Management Fund

Investment Objective The primary investment objective of DBS Chola Monthly IncomePlan is to generate monthly income through investments in arange of Debt, Equity and Money Market Instruments.

The investment objective of the scheme will be to generatereasonable returns while maintaining safety and providing theinvestor liquidity. To achieve this objective, investments will bepredominantly made in well diversified and highly liquid portfolioof money market instruments, government securities andcorporate debt.

Asset Allocation Patternof the Scheme

Type of Instrument Allocation(% of Net Assets)

Debt and Government Securities (including cash / call money) 80-100Securitised Debt 0-40Equity & Equity related instruments 0-20

Type of Instrument Allocation(% of Net Assets)

Money Market Instruments (money at call, NCDswith daily put & call option) 65-100

Debt Securities 0-35


Plans and Options Plans Options

Regular Monthly / Quarterly dividend, Bonus and Cumulative*

* If no option is specified at the time of application, the default option isCumulative Option.

Plans Options

Regular Da ily or Week ly* Dividend and Cumulative**

* In case of daily or weekly dividend option the dividend amount willcompulsorily be reinvested

** If no option is specified at the time of application, the default option isCumulative Option.




Purchase / Repurchase Options Minimum AmountFirst Purchase Dividend Rs. 10,000/- and

in multiples of Rs. 1,000/-Additional Purchase Dividend Rs. 1,000/- and

in multiples of Re. 1/-First Purchase Cumulative / Bonus Rs. 5,000/- and

in multiples of Rs. 1,000/-Additional Purchase Cumulative / Bonus Rs. 1,000/- and

in multiples of Re. 1/-Repurchase Dividend / Cumulative Rs. 500 or 50 units as

the case may be

Purchase / Repurchase Options Minimum AmountFi rst Purc hase Dividen d / Cumul ative Rs . 5,000 a nd in multiple s of Rs. 1 /-Addit ional Purchase D iv idend / Cumulative Rs. 1,000 and in mult iples of Re. 1/ -Repurchase Dividend / Cumulative Rs. 500 or 50 units as the case may be



Benchmark Index CRISIL MIP Blended Index CRISIL Liquid Fund Index

Dividend Policy Please refer to Page No. 5 for details

Name of the Fund Manager Mr. Ashish Nigam and Mr. R. RajagopalName of the Trustee Company DBS Cholamandalam Trustees Ltd.

Mr. Ashish Nigam


Returns Data




Since Inception (31/07/03) 8.02 8.14

* CRISIL MIP Blended Index is the Benchmark index for the Scheme.

Date of Inception is July 31, 2003 hence 5 years returns are not available


(i) Load Structure


Investment Entry Load Exit Load

Upto and including Rs. 10 lakhs NIL 0.5% if redeemed within 6 months

Above Rs. 10 lakhs NIL NIL


(ii) Actual Expenses for 06-07 Actual expenses for the scheme were Rs. 18.25 lacs amounting to 2.25%of Average Daily Net Assets for the financial year 2006-07.

Actual expenses for the scheme were Rs. 1.28 lacs amounting to 0.35%of Average Daily Net Assets for the financial year 2006-07



First Rs. 100 crores 2.25Next Rs. 300 crores 2.00


Balance 1.50




NIL NIL


9.00

8.00

7.00

6.00

5.00

4.00

3.00

2.00

1.00

0.00

31/03/06-

31/03/07



31/03/05-

31/03/07

31/03/04-

31/03/07

31/07/03-

31/03/07

0.48

0.42

0.36

0.30

0.24

0.18

0.12

0.06

0.00


23/03/07-31/03/07


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INFORMATION COMMON TO SCHEMES (AS APPLICABLE)

REDEMPTION FOR ALL SCHEMESFor all the schemes minimum amount for redemptions is either Rs. 500/- or 50 units as the case may be. The minimum redemptions amounts / units will not be applicable totransactions under Systematic Investment Plan (SIP) - Systematic Withdrawal Plan (SWP) or Systematic Transfer Plan (STP)

APPLICABLE NAV & CUT OFF TIMEApplicable to Applicable NAV & Cut off Time

All the schemes except Purchases :DBS Chola Liquid Fund, In respect of val id applications received upto 3.00 p.m. on a day with a local cheque or DD payable at par at theDBS Chola Short Term Floating Rate Fund and place where it is received, the same days NAV of receipt of application shall be applicable.DBS Chola Treasury Management Fund In respect of valid applications received after 3.00 p.m. on a day with a local cheque or DD payable at

par at the place where it is received, the closing NAV of the next Business Day shall be applicable. In respect of valid applications received with an outstation cheque or DD not payable at par at the place where

it is received, the closing NAV of the day on which the cheque or DD is credited shall be applicable.

Redemptions : In respect of valid applications received upto 3.00 p.m. on a day, the same days NAV of receipt of application shall be

applicable. In respect of valid applications received after 3.00 p.m. on a day, the closing NAV of the next Business Day shall be

applicable.

DBS Chola Liquid Fund, Purchases :DBS Chola Short Term Floating Rate Fund and In respect of valid applications received upto 12 noon on a day and funds are available for utilization on the same day,DBS Chola Treasury Management Fund the closing NAV of the day of immediately preceding the day of receipt of application shall be applicable.

In respect of valid applications received after 12 noon on a day and funds are available for utilization on the same day,the closing NAV of the day of immediately preceding the next Business Day shall be applicable.

Irrespective of the time of receipt of application, where the funds are not available for utilization on the day of theapplication, the closing NAV of the day immediately preceding the day on which funds are available for utilization shallbe applicable.

Redemptions : In respect of valid applications received upto 3.00 p.m. on a day, the closing NAV of the day immediately preceding the

next Business Day shall be applicable. In respect of valid applications received after 3.00 p.m. on a day, the closing NAV of the next Business Day shall be

applicable.

DIVIDEND POLICYThe Trustees may approve the distribution of dividend by AMC out of net surplusunder the respective plans. The remaining net surplus after considering the dividendtax, if any, payable thereon will be ploughed back in the Scheme and will be reflectedin the NAV. It should however be noted that actual distribution of dividends and thefrequency of distribution in the fund are in accordance with terms of the offerdocument and provisional entirely at the discretion of the Trustee. Investor has anoption of either receiving the dividend declared or re-investing the same in the scheme.

In case of monthly dividend payout facility for DBS Chola Short Term Floating RateFund and in case of weekly dividend payout facility for DBS Chola TreasuryManagement Fund, if the dividend entitlement is less than Rs. 250/- then suchdividend will be reinvested in the scheme automatically.

Effect of Dividends

When dividends are paid, the NAV will stand reduced by the amount of dividendand dividend tax (if applicable) paid. To the extent, the entire net income and realizedgains are not distributed, the same will remain invested in the scheme and will bereflected in the NAV. The NAV of the Cumulative Plan will not be affected by thepayment of such dividend.

Despatch of Dividend

Wherever dividend is declared, the dividend warrants shall be despatched to theunitholders within 30 days of the declaration of the dividend. However, all effortswill be made to despatch the dividend warrants earlier. Dividends will be paid byECS Credit / Cheque / DD, net of taxes as may be applicable. Please note that it is

mandatory for Unitholders to mention their bank account numbers in theirapplication. To safeguard the interest of unitholders from loss or theft of cheques,the name of their bank, branch and account number as provided in the applicationform will be incorporated in the cheque.

Dividend payable only to first holder

Dividend will be paid only in favour of the first named holder of the units. In case of joint holding of units by two or more investors, the first holder shall receive thedividend as and when declared.

Unclaimed Dividend Amount

Investors who claim their unclaimed dividend amount within three years from thedue date for payment of the dividend, it will be paid at the then prevailing NAV.Subsequently, it will be paid at the NAV prevailing at the end of three years from duedate for payment of dividend. There is no assurance or guarantee to unitholders asto the rate of dividend distribution nor that dividends will be paid regularly. Onpayment of dividends, the NAV will stand reduced by the amount of dividend and

dividend tax (if applicable) paid.TAXATION - APPLICABLE TO DEBT SCHEMES(As per laws currently in force - based on the proposals contained in Finance Act,2007)

The Income-tax benefits described in this document are as available under the presentIncome-tax Act, 1961 (the Act) as amended by the provisions contained in the Finance

Act, 2007 and are available subject to relevant conditions. The information given isincluded only for general purpose and is based on advise received by the AMCregarding the law and practice currently in force in India and the Investors / Unitholders should be aware that the relevant fiscal rules or their interpretation maychange. As is the case with any investment, there can be no guarantee that the taxposition or the proposed tax position prevailing at the time of an investment in theScheme will endure indefinitely. In view of the individual nature of tax consequences,each Investor / Unitholder is advised to consult his / her own professional tax advisor.

I) TAX IMPLICATIONS TO UNITHOLDERS:

A) Tax on income in respect of units

As per the provisions of Section 10(35) of the Act, income received in respect ofunits of a mutual fund specified under Section 10(23D) of the Act is exempt fromincome tax in the hands of the recipient unitholders.

B) Tax on Capital Gains

As per Section 2(42A) of the Act, units of the scheme held as a capital asset, for aperiod of more than 12 months immediately preceding the date of transfer, will betreated as long-term capital assets for the computation of capital gains; in all othercases, they would be treated as short-term capital assets.

Long-term and short-term capital gains arising to unit holders from the transfer ofunits of the Scheme, will be taxable at the following rates depending on whetherthe units are long term capital assets or short term capital assets:

Nature of income Tax rate

Short-term capital gains 30 per cent in case of Foreign InstitutionalInvestors ('FII') and normal rate applicable as perthe Income Tax Act in case of all other investors(including Foreign Companies).

Long-term capital gains 20 per cent* with the cost inflation index benefitor 10 per cent* without the cost inflation indexbenefit, whichever is beneficial to the unitholder;10 per cent in case of FIIs, without the costinflation index benefit.

* plus surcharge @ 10% of the tax as applicable and education cess @ 2% of taxplus surcharge and secondary and higher education cess @ 1% of tax plus surchargeas per the Income Tax Act. Additionally, in the case of non-resident investors, theabove rates would be subject to relief under the applicable Double Tax AvoidanceAgreement / Treaty.

C) Disallowance of losses

(i) Sub-section 7 of Section 94 of the Act provides that losses, if any, arising fromthe sale / transfer of units (including redemption) purchased up to 3 monthsprior to the record date (for entitlement of dividends) and sold within 9 monthsafter such date, will be disallowed to the extent of income distribution (excludingredemptions) on such units claimed as tax exempt by the unitholder.

(ii) Additionally, sub-section 8 of Section 94 of the Act provides that in case ofunits purchased within a period of 3 months prior to the record date (for


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entitlement of bonus) and sold / transferred (including redeemed) within 9months after such date, the loss arising on transfer of original units shall beignored for the purpose of computing the income chargeable to tax if all or anyof the bonus units are continued to be held by the unitholder. The loss soignored shall be treated as cost of acquisition of such bonus units.

D) Tax deducted at source

Income in respect of units

As per the proviso to Section 196A(1) of the Act, no tax shall be deducted at source

from any income credited or paid to non-resident unitholders in respect of units of amutual fund specified under Section 10(23D) of the Act.

Capital gains

1. As per the provisions of Section 194K of the Act, no tax should be withheld ordeducted at source, where any income is credited or paid by a mutual fund.

2. Further, no tax is required to be deducted at source from capital gains arising atthe time of repurchase or redemption of the units.

3. As per the provisions of Section 195 of the Act, tax is required to be deductedat source from the redemption proceeds paid to investors.

4. The rate of withholding for short-term capital gains would be 30 per cent (plussurcharge and education cess as applicable) and for long-term capital gainswould be 20 per cent (plus surcharge and education cess and secondary andhigher education cess as applicable) if the payee is an Non-Resident Indian('NRI') / Person of Indian Origin ('PIO') or a foreign company. However, nocapital gains tax would be withheld from proceeds paid to NRIs / PIOs from

long-term capital gains arising out of redemption of units held in an equityoriented mutual fund. The rate of withholding tax for short-term capital gainsearned by a Foreign Company would be 40 per cent (plus surcharge andeducation cess and secondary and higher education cess as applicable).

5. No tax would be deductible at source from the capital gains (whether long-term or short-term) arising to an FII on repurchase / redemption of units in viewof the provisions of Section 196D(2) of the Act.

6. The above rates would be subject to relief under the applicable Double TaxAvoidance Agreement / Treaty in case of non-resident unit holders.

II) TAX IMPLICATIONS TO MUTUAL FUND

The DBS Chola Mutual Fund is registered with SEBI and as such, the entire income ofthe Fund is exempt from income tax under Section 10(23D) of the Act. In view ofthe provisions of Section 196(iv) of the Act, no income tax is deductible at source onthe income earned by the mutual fund.

Dividend Distribution tax

As per Section 115R of the Act, dividend distribution tax is payable as follows:Debt funds are liable to pay dividend distribution tax as follows:

At 28.325 per cent (including a surcharge of 10 per cent and an additionalsurcharge by way of education cess of 2 per cent and secondary and highereducation cess of 1 per cent on the amount of tax plus surcharge) on incomedistributed to unitholders of Money Market Mutual Fund and Liquid Fund.

At 14.1625 per cent (including a surcharge of 10 per cent and an additionalsurcharge by way of education cess of 2 per cent and secondary and highereducation cess of 1 per cent on the amount of tax plus surcharge) on incomedistributed to individuals and HUFs by other funds; and

At 22.66 per cent (including a surcharge of 10 per cent and an additionalsurcharge by way of education cess of 2 per cent and secondary and highereducation cess of 1 per cent on the amount of tax plus surcharge) on incomedistributed by other funds to persons other than individuals and HUFs, forinstance, corporates.

III) GIFT TAX

The Gift-tax Act, 1958, has ceased to apply to gifts made on or after 1st October1998. Gifts of Units, purchased under the Scheme, would therefore, be exemptfrom gift-tax.

IV) WEALTH TAX BENEFITS

Units of a mutual fund are not to be treated as assets as defined under Section 2(ea)of the Wealth-Tax Act, 1957 and hence will not be liable to wealth-tax.

DAILY NET ASSET VALUE (NAV) PUBLICATIONThe NAV will be declared on all business days and will be published in 2 newspapers.NAV can also be viewed on www.dbscholamutualfund.com andwww.amfiindia.com. Investors may also contact any of the Investor Service Centresof DBS Chola Mutual Fund.

FOR INVESTOR GRIEVANCES

Please Contact:RegistrarComputer Age Management Services Pvt. Ltd.Unit : DBS Chola Mutual Fund1st Floor, 178/10, Kodambakkam High Road, Opposite Hotel Palmgrove,Chennai - 600 034. Tel.: 044-2828 5501 / 502 / 663 Fax : 044-2828 3614

DBS Chola Mutual FundB. John VijayanInvestor Grievance Officer

DBS Cholamandalam Asset Management Ltd.Flat No. 10, 3rd Floor, Kasturi Bldg, Jamshedji Tata Road,Opp H.P. House, Churchgate - 400 020.Tel.: (022) 6610 4941 Fax : (022) 2202 1123Website : www.dbscholamutualfund.com orany of the Investor Services Centres of DBS Chola Mutual Fund

UNIT HOLDERS INFORMATIONAccount statement(s) for each transaction and annual financial results shall beprovided to investors by post or by e-mail (on receipt of the unit holder's consent).Half yearly Scheme portfol io will be either sent by post to the unit holders or publishedin the newspapers as prescribed under the SEBI (Mutual Funds) Regulations, 1996.

Date : August 2, 2007

FACILITIES OFFERED

Business DayIf any of the dates mentioned above is not a Business Day, then the immediately following Business Day will beconsidered as the date on which cheques will be presented to the bank.

LOAD STRUCTURE UNDER SIPScheme Name Entry Load Exit Load

1. DBS Chola Triple Ace NIL 0.50% for an investment < = Rs.10 Lakh

(if redeemed within 6 months)NIL for an investment > Rs. 10 Lakh

2. DBS Chola Monthly Income Plan (MIP) NIL 0.50% for an investment < = Rs.10 Lakh(an open-ended income scheme (if redeemed within 6 months)with no assured return) NIL for an investment > Rs. 10 Lakh

3. DBS Chola Gilt Fund- Investment Plan NIL NIL

Note : The AMC reserves the right to reintroduce the entry load through issue of a notice at its investor servicecentres / distributor offices.

SYSTEMATIC WITHDRAWAL PLAN (SWP)

The unitholders under the schemes can avail this facility by withdrawing specified amount(s) from their account(s)at periodic intervals.

TERMS OF SWPPeriodicityMonthly : 5th, 15th or 25th of each month. If any of the dates mentioned above is not a Business Day, then theimmediately following Business Day will be the date on which redemption will be considered.SWP Options Fixed amount withdrawal : A minimum fixed amount of Rs. 500/- and equal amount thereafter can be

withdrawn subject to having minimum account balance as applicable in the scheme at the time of opting forthe plan.

Capital appreciation withdrawal : Capital appreciation can be withdrawn subject to maintenance of minimumaccount balance of Rs. 10,000/- in the Scheme.

ApplicabilitySWP is applicable only for Cumulative Option of respective schemes / plans.

SYSTEMATIC INVESTMENT PLAN (SIP)

The unitholders under the Schemes can avail the facility of Systematic Investment Plan (SIP) by investing specifiedamount(s) at regular intervals for a continuous period. The investment made under SIP shall be made to purchasethe additional units at NAV based prices. SIP facility is available for DBS Chola Triple Ace, DBS Chola MonthlyIncome Plan (MIP) and DBS Chola Gilt Fund -Investment Plan.

TERMS OF SIP

Minimum Investment At least 6 cheques for an equal amount of Rs. 1000/- or more for all schemes.Investment IntervalInvestors can invest at Monthly interval by submitting post-dated cheques. All cheques should be for the sameamount.Date of ChequesAll SIP cheques (except the first one) must be uniformly dated 5th, 15th or 25th of a month.Maximum Period of Investment In case of post-dated cheques - 3 years from the date of investment. In case of Auto Debit facility - 25 years from the date of investmentPayment details All cheques should be drawn in favour of the Scheme Name e.g. DBS Chola Triple Ace Fund. All cheques should be crossed Account Payee Only. The cheques must be payable at the centre where the applications are submitted.Allotment of Units The post-dated cheques / drafts will be presented on the dates mentioned on the cheques and subject to their

realisation; units will be allotted at the applicable Purchase Price.Note : If any cheque is dated other than any of the dates mentioned above, the cheque will be presented to the

bank only on the immediately following value date, namely, 5th or 15th or 25th of the month and units will beallotted accordingly.Confirmation LetterOn receipt of the post-dated cheques, confirmation letter will be sent by the Registrar to Unitholders confirminginvestors inclusion under SIP.Investor RightsAn investor can discontinue or terminate the SIP facility by giving 14 day(s) prior notice to the Registrar, in whichcase the unencashed cheques / drafts will be returned to the investor.


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Redemption of UnitsThe amount thus withdrawn by redemption will be converted into Units at Applicable NAV based prices and thenumber of Units so arrived at will be subtracted from the Units balance to the credit of that Unitholder.Redemption ChequeNormally, the redemption cheque will be dispatched to the unitholders within 3 Business Days of the value date.Investor Rights Unitholder may change the amount indicated in the SWP, subject of the minimum amounts mentioned above.

The SWP may be terminated on a written notice by a Unitholder of the Scheme and it will terminate automaticallyif all Units are liquidated or withdrawn from the account or upon the Funds receipt of notification of death orincapacity of the Unitholder.

Business DayIf any of the dates mentioned above is not a Business Day, then the immediately following Business Day will be thedate on which redemption will be considered.Minimum Account BalanceThe Fund may close a Unitholders account if the balance falls below Rs. 1,000 and the investor fails to investsufficient funds to bring the value of the account up to Rs. 1,000 within 30 days, after a written intimation in thisregard is sent to the Unitholder.Termination of SWPUnitholders may change the amount indicated in the SWP, subject to the minimum amounts mentioned above. TheSWP may be terminate on a written notice by a Unitholder of the Scheme and it will terminate automatically if allUnits are liquidated or withdrawn from the account or upon the Funds receipt of notification of death or incapacityof the Unitholder.

SYSTEMATIC TRANSFER PLAN (STP)Unitholders may choose to transfer investments on periodical basis, (monthly or quarterly) from one scheme toanother scheme.

Details of STP facility are as under :From any of the following Schemes To any of the following Schemes

DBS Chola Liquid Fund DBS Chola Growth FundDBS Chola Freedom Income - Short Term Fund DBS Chola Global Advantage FundDBS Chola Short Term Floating Rate Fund DBS Chola Multi-Cap Fund

DBS Chola Midcap FundDBS Chola Opportunities FundDBS Chola Contra FundDBS Chola Monthly Income Plan (MIP)DBS Chola Triple Ace (CTA)DBS Chola Tax Saver FundDBS Chola Hedged Equity Fund

From any of the following Schemes To any of the following Schemes

DBS Chola Monthly Income Plan DBS Chola Growth FundDBS Chola Midcap FundDBS Chola Opportunities FundDBS Chola Multi-Cap FundDBS Chola Global Advantage Fund

DBS Chola Tax Saver FundDBS Chola Contra FundDBS Chola Hedged Equity Fund

OTHER TERMS OF STPPeriodicitySTP facility can be availed on a Monthly or Quarterly basis on 5th, 15th or 25th of a month. If these dates fall onnon-business days then the immediate succeeding business day will be considered for STP.Transfer Options Fixed Amount : A minimum fixed amount of Rs. 1,000/- can be transferred subject to availability of a minimum

account balance of Rs. 25,000/- in the transferor scheme at the point of initialization of STP. Capital Appreciation : A minimum capital appreciation of Rs. 1,000/- in the transferors scheme can be

transferred subject to maintenance of a minimum account balance of Rs. 25,000/- in the transferor scheme.

FACILITIES OFFERED (Contd...)

Balance as on the date of opting for the STP would be considered as principal amount and any capital appreciationover that is considered for transfer under this option.

Minimum Application SizeMinimum Application size for any of the schemes available under STP will NOT BE APPLICABLE in case of transferunder STP.

LOAD STRUCTURE UNDER STPScheme Name Entry Load Exit Load

1. DBS Chola Growth Fund 2.25% for an investment 1.00% for an investment < Rs. 3 crore2. DBS Chola Midcap Fund < Rs. 3 crore (If redeemed with in 6 months)3. DBS Chola Opportunities Fund NIL for an investment 0.50% for an investment4. DBS Chola Multi-Cap Fund > = Rs. 3 crore > = Rs. 3 crore < Rs. 5 crore5. DBS Chola Contra Fund (if redeemed within 6 months)

NIL for an investment > = Rs. 5 crore

6. DBS Chola Global Advantage Fund 2.25% for an investment NIL< Rs. 3 croreNIL for an investment> = Rs. 3 crore

7. DBS Chola Tax Saver Fund 2.25% for an investment NIL< Rs. 25 lacsNIL for an investment> = Rs. 25 lacs

8. DBS Chola Hedged Equity Fund 2.50% for an investment 1.00% for an investment < Rs. 3 crore< Rs. 3 crore (if redeemed within 6 months)NIL for an investment 0.50% for an investment> = Rs. 3 crore > = Rs. 3 crore < Rs. 5 crore

(if redeemed within 6 months)NIL for an investment >=Rs. 5 crore

Scheme Name Entry Load Exit Load

1. DBS Chola Triple Ace2. DBS Chola Monthly Income Plan (MIP) NIL If redeemed within 6 months - 0.50%

an open-ended income scheme with no If redeemed after 6 months - NILassured return)

Note : Exit Load, if any, will be applied to the schemes as stated under respective schemes details.

Switches from DBS Chola Liquid Scheme to any DBS Chola Equity SchemesUnit holders will have the option to switch all or part of their investment from DBS Chola Liquid Scheme to any ofthe equity schemes of DBS Chola Mutual Fund viz. DBS Chola Growth Fund, DBS Chola Midcap Fund, DBS CholaMulti-Cap Fund, DBS Chola Global Advantage Fund, DBS Chola Opportunities Fund, DBS Chola Contra Fund andDBS Chola Tax Saver Fund at the prevailing NAV with an entry load of 2.25% and DBS Chola Hedged Equity Fundat the prevailing NAV with an entry load of 2.50% irrespective of the amount of switch transaction.

The switch will be effected by way of redemption of units of DBS Chola Liquid Scheme and the redemptionproceeds will be reinvested in the other equity scheme(s) selected by the unit holder at the prevailing terms of thescheme to which the switch is taking place. All other terms and conditions presently governing switch transactions

shall apply.ACCOUNT STATEMENTAs per SEBI circular dated November 20, 2006, first account statement will be issued to the unitholders within 10working days of the allotment of units.Subsequent account statements will be despatched to the unit holders once every quarter ending March, June,September and December within 10 working days of the end of the respective quarter.In case of specific request received from unitholders, the Fund will provide the account statement to the unitholderswithin 5 working days from the receipt of such request without any charges. This does not apply to unitholderswho have requested for account statements through e-mail, which will continue to be mailed to the unitholders totheir e-mail addresses as mandated by the unitholders.

Note : An investor cannot simultaneously participate in SIP / STP and SWP in the same Scheme.

GENERAL INFORMATION & INSTRUCTIONS

A. General InstructionsPlease read the Key Information Memorandum and the terms of the Offer Documents of the respectiveScheme(s) carefully before making an investment decision and filling up the Application Form. Investors

should make themselves aware of the load structure on the date of submitting the Application Form.Investors are deemed to have accepted the terms of subject to which these offers are being made andbind themselves to the terms upon signing the Application Form and tendering payment for investment.

Manner of filling Application Form

Application must be completed in BLOCK LETTERS in ENGLISH. Please tick in appropriate box forrelevant options wherever applicable. Signatures should be in English or in any Indian language.Thumb impressions must be attested by a Magistrate / Notary Public under his / her official seal.

Submission of Application : Duly completed applications along with full payment must be remittedat the designed Collection Banks or may be routed through Agents of DBS Chola Mutual Fund.

Note : Kindly retain the acknowledgement slip initialled / stamped by the collecting authority.

B. PAN Details (PAN Mandatory for all investments)

As per SEBI Circular dated April 27, 2007, Permanent Account Number (PAN) has been made the soleidentification number for all participants transacting in the securities market, irrespective of the amountof transaction, effective July 02, 2007. SEBI has further clarified that the existing and potential investorswho do not have PAN, should apply for PAN immediately and furnish evidence of having applied forPAN while transacting in securities market until December 31, 2007.

In view of the above, with effect from July 2, 2007, it is mandatory for all existing and prospectiveinvestors (including joint holders, guardians of minors and NRIs) investing any amount less thanRs. 50000 to enclose a copy of PAN card or a copy of the evidence of having applied for PAN Card(acknowledgment copy of Form 49A) to the application for investing in mutual fund schemes. In casethe amount of investment is Rs. 50000 or more in case of non availability of PAN, acknowledgmentcopy of Form 49A (evidence of having applied for PAN) along with a declaration in Form 60/61 withaddress proof should be attached. The copy of the PAN card as required above shall be attested (with

ARN No. and Seal) by the distributor/broker through whom transaction is done or by a bank manageror by judicial authority or if the transaction is done directly at the office of the DBS Chola Mutual Fundor at Investor Service Centers / Transaction points of CAMS (Registrar), the original PAN card may be

produced for verification. Furnishing a copy of PAN card is mandatory with effect from January 1,2008.

Transactions by unit holders/investors who fail to submit copy of PAN or evidence of having appliedfor PAN as explained above are liable to be rejected.

C. KNOW YOUR CUSTOMERKnow Your Customer (KYC)" policy is applicable for the prevention of money laundering. As per theprovisions of SEBI Guidelines, mutual funds have to follow enhanced Know Your Clients (KYC)procedure.

Investors investing Rs. 50000/- or more will have to obtain a letter from CVL (CDSL Ventures Limited)confirming that the KYC requirements have been complied with. The said letter will be issued by CVLbased on the following:

(i) Photo, (ii) Proof of Identity, (iii) Proof of Address (iv) Copy of PAN Card (v) Information with regardto financial status and other demographic details (vi) Any other information and/or documentation toestablish identity of any unit holder

A common application form (MAF) has been designed for this purpose. You may please obtain acopy of this form, from our website www.dbscholamutualfund.com.

The AMC, under powers delegated by the Trustee, shall have absolute discretion to reject any

application, prevent further transactions by a unit holder, if after due diligence, the investor / unitholder / a person making the payment on behalf of the investor does not fulfill the requirements ofthe KYC policy or the AMC believes that the transaction is suspicious in nature with regard to moneylaundering.

The Scheme will adhere to such guidelines / procedures as may be issued by AMFI / any other regulatoryauthority in this regard from time to time.

Note : Applications not complying with the above shall be rejected.


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11/20

1 EXISTING UNIT HOLDER INFORMATION (Please fill in your Folio No. below. Please furnish PAN details in Section 2 and then proceed to section 3)FolioNo.

Name of Sole /First Unit Holder

2 APPLICANT'S PERSONAL DETAILS (Please fill in Block Letters use one box for one alphabet leaving one box blank between two words)

ACKNOWLEDGEMENT SLIP (To be filled by the Applicant)

Signature, Stamp & Date

Received from Mr. / Ms. / M/s_____________________________________________________________________________________

an application for Units of DBS Chola Triple Ace DBS Chola Freedom Income Short Term Fund DBS Chola Gilt Fund DBS Chola Liquid Fund

DBSChola Short Term Floating Rate Fund DBSChola Monthly Income Plan DBSChola Treasury Management Fund

Plan Option

alongwit h Cheque / DD No._________________________________________Dated___________________________Drawn on (Bank)__________________________________

_______________________________________________________________________________________________Branch____________________________________________

Amount (Rs.)_______________________________________ Please Note : All purchases are subject to realisation of cheques / demand drafts.

Application No.:

Guardian (if Sole / First applicant is a Minor)Contact Person (in case of Non-individual Investors only) Gender (please 3) Male Female

Date of Birth D D M M Y Y Y Y

Nationality Country of Residence

Address for Correspondence [P.O. Box Address is not sufficient]

Occupation of Sole / First Applicant (please 4) Private Sector Service Public Sector / Government Service Business Professional

Agriculturist Retired Housewife Student Forex Dealer Others (Please specify) _______________________________

Mr. Ms. M/s.Name

* PAN is Mandatory for all investors. For more deatils refer instruction B.

PoA Holder Details (If the investment is being made by a Constituted Attorney please furnish the details of PoA Holder) Gender (please 3) Male Female

Mr. Ms. M/s.Name

City Pin Code

State Country

Contact Details

Phone O Extn. Fax

Phone R Mobile

I/We wish to receive updates via SMS on my mobile (Please 3)

e-mail

Overseas Address (Mandatory in case of NRI / FII applicant in addition to mailing address)

City

Zip CodeState Country

Status (please 4) Individual Partnership Company Society / Club HUF NRI / FII Trust Minor Body Corporate Others ____________________

Enclosed copy of (please 3)PAN proof OR Form 60 Form 61 Form 49A

Application No.:

Application Formfor Debt Schemes

For Lump Sum Investment(Do not use this Form for SIP Investments)

DBS Chola Triple Ace DBS Chola Freedom Income Short Term FundDBS Chola Gilt Fund DBS Chola Short Term Float ing Rate FundDBS Chola Liquid Fund DBS Chola Treasury Management FundDBS Chola Monthly Income Plan

Please read instructions before filling the Form

Sub-Broker Code

DISTRIBUTOR INFORMATION

(Only empanelled Distributors / Brokers will be permitted to distribute Units)

Distributor / Broker ARN

ARN - 15545FOR OFFICE USE ONLY

First / Sole Applicant

Mr. Ms. M/s.

Gender (please 3) Male Female

Name


Enclosed copy of (please 3) PAN proof OR Form 60 Form 61 Form 49APAN*

Second Applicant

Mr. Ms. M/s.


Name




Mode of Holding (please4) Single OR Joint OR Anyone or Survivor

Third Applicant

Mr. Ms. M/s.


Name



(PAN not required for contact person)

PAN*


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3 BANK ACCOUNT DETAILS (MANDATORY as per SEBI Guidelines)

A/c. No. Account Type (please4) Current Savings NRE FCNR NRO

Bank Name

Branch Address

City

MICR Code (9 digit number next to your Cheque No.) k IFSC Code

4 INVESTMENT DETAILS (Please see the Ready Reckoner table on Page No. 8)

Amount in words

* Please mention the application No. on the reverse of the Cheque / DD. Please ensure there is only one Cheque / DD per Application Form.Cheque/DD must be drawn in favour of Scheme as applicable and crossed account payee only.

The details of the bank account provided above pertain to my / our own bank account in my / our name Yes No. If No, my relationship with the bank

account holder is Spouse Child Parent Relative Sibling Friend Others. Application Form without this information may be rejected.

9 DECLARATION & SIGNATURE(S)

Sole / FirstApplicant /

Guardian

SIGNATURES

I / We have read and understood the content s of the Off er Document of t he Scheme(s) of DBS Chola Mutual Fund. I / We herebyapply to the t rustee of DBSChola M utual Fund for unit s of respective Schemes of DBS Chola Mutual Fund, as indicated above andagree to abide by the terms, conditions, rules and regulations of the relevant Scheme(s). I / We hereby declare and confirm that theamount invested in the scheme(s) indicated above is in no way in contravention of any Act, rules, Regulations, Notifications or Directions

of the provisions of the Income Tax Act, Anti Money Laundering Laws or any other applicable laws enacted by the Government ofIndia from time to time. I / We have understood the details of the scheme and I / We have not received nor have been induced byany rebate or gifts, directly or indirectly in making this investment. I / We confirm that the funds invested in the Scheme, legally belongto me / us. If the fund is not satisfi ed with regard to t he completion of t he Know Your Customer process for me / us, I / We herebyauthorize the Mutual Fund to redeem the funds invested in the Scheme at the applicable NAV prevailing on the date of such redemptionand initiate such other action that may be required by the law.

Applicants other than Individuals / HUF :I / We certify that as per the Memorandum and Articles of Association of the Company, byelaws, trust deed, Partnership Deed andresolutions passed by the Company / firm / trust I / We are authorized to enter into this transaction for and on behalf of t he Company /Firm / Trust.

Please (4) Yes No

For NRIs only: I / We confirm that I am / we are Non Residents of Indian Nationality / Origin and that I / we have remitted funds fromabroad through approved banking channels or from f unds in my / our Non-Resident External / Non-Resident Ordinary / FCNRAccount .

I / We confirm that details provided by me / us are true and correct.

SecondApplicant

ThirdApplicant

Date

7 OTHER SERVICES (Optional)E-mail Services (please 4)I/We wish to receive the following documents via e-mail in lieu of physical document(s)

Account Statement* All other Statut ory Communications Marketing Updates

Other E-mail Services (please 4)

Daily NAV Weekly Market Review Event Updates

T-PIN Services (please 4)

Would you like a T-PIN assigned?

(T-PIN : For Internet based Transactions)

8 FOR INVESTORS WHO WISH TO OPT FOR NOMINATION (For Nomination Form please refer to last page)Nomination Form is enclosed Yes No

6 ELECTRONIC CLEARING SERVICES (ECS) FOR DIVIDEND PAYMENTS*You may choose to receive dividends in your bank account through the Electronic Clearing Service (only in select cities). Unitholders who do not opt for the ECS

facility will receive dividends by cheques payable at par / DD

I / We authorise DBS Chola Mutual Fund to credit my / our dividend through ECS (please 3)

The 9-digit MICR Code number of my / our Bank & Branch is

* Please enclose photo copy of your cheque leaf.l This is a 9 digit number next to your Cheque No.

e-mail

* Will be sent Mont hly Aft er every transaction

5 PAYMENT DETAILS (Please see the Ready Reckoner table on Page No. 8) (MANDATORY as per SEBI Guidelines)InvestmentAmount (Rs.)

DD charges(Rs.)

Net Amount (Cheque /DD amount) (Rs.)

Account to Account transfer facility for redemptions available (please 3any one) Please enclose copy of your cheque leaf.

DBS Cholamandalam Asset Management Limited - Branches Ahmedabad - 9898046210 / 2656 7295 Bangalore - 4181 1050 / 4181 1051-56 Kolkata - 22837370 / 71 Chennai - 25307402 / 25307405 Chandigarh - 3208979 Coimbatore - 4292471 Delhi - 23353048 / 23353049 / 23354659 Hyderabad - 66737001 / 66837001 Lucknow* - 3258293 Madurai* - 2301378 / 79 / 80 Pune - 3291 2911 / 2551 0468 Kochi - 6533130 Jaipur* - 0141-5103275 / 76 / 77 Mangalore* - 080 - 4181 1056

Mumbai - 66574000 / 6610 4940 / 2202 9007 Ludhiana* - 9815947016 Kanpur* - 9839296100 Salem* - 6502660 Trichy - 2410427 Vadodara* - 2351740

* Application Forms will not be accepted at these locations.

Toll Free No.: 1-800-22-2300

Drawn on

For NRI Investors Only (please 4) NRO NRE

Bank

Branch

City

Mode of

PaymentCheque / DD / Fund Transfer / ______________ Cheque /

DD* No. Dated

HDFC Bank# ICICI Bank# Citibank ^ * Standard Chartered Bank ^ * IDBI Bank ^ * DBS Bank ^

# Available f or al l Debt Schemes ^ Availab le f or DBS Chola Liquid Fund and DBS Chola Short Term Float ing Rate Fund

* Available for DBS Chola Treasury Management Fund Available for DBS Chola Freedom Income Short Term Fund

(* Default Facility)# Please see the Ready Reckoner table on Page No. 8 for Plans / Options available in the respective Scheme

Dividend Facility (please 3)Option # Reinvestment* Payout

Plan #

Scheme Name


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Sub-Broker Code

DISTRIBUTOR INFORMATION

(Only empanelled Distributors / Brokers will be permitted to distribute Units)

Distributor / Broker ARN

FOR OFFICE USE ONLY

ARN -15545

1 EXISTING UNIT HOLDER INFORMATION (Please fill in your Folio No. below. Please furnish PAN details in Section 2 and then proceed to section 3)

2 APPLICANT'S PERSONAL DETAILS (Please fill in Block Letters use one box for one alphabet leaving one box blank between two words)

ACKNOWLEDGEMENT SLIP (To be filled by the Applicant)

Signature, Stamp & Date

Received from Mr. / Ms. / M/s_____________________________________________________________________________________

SIP application for Units of DBS Chola Triple Ace DBS Chola Gilt Fund DBS Chola Mont hly Income Plan

Plan Option alongwit h Cheques SIP Auto Debit Facilit y

Cheque Nos. From ________________________________________ To ________________________________________ Dated ___________________________

Drawn on (Bank)_______________________________________________________________________________________________________________________

Branch ___________________________________________________________________________ Total Amount (Rs.) __________________________________

Please Note : All purchases are subject to realisation of cheques.

Application No.:

Guardian (if Sole / First applicant is a Minor)Contact Person (in case of Non-individual Investors only) Gender (please 3) Male Female


Nationality Country of Residence

Address for Correspondence [P.O. Box Address is not sufficient]

Occupation of Sole / First Applicant (please 4) Private Sector Service Public Sector / Government Service Business Professional

Agriculturist Retired Housewife Student Forex Dealer Others (Please specify) _______________________________

Mr. Ms. M/s.Name

* PAN is Mandatory for all investors. For more deatils refer instruction B.

City Pin Code

State Country

Contact Details

Phone O Extn. Fax

Phone R Mobile

I/We wish to receive updates via SMS on my mobile (Please 3)

e-mail

Overseas Address (Mandatory in case of NRI / FII applicant in addition to mailing address)

City

Zip CodeState Country

Status (please 4) Individual Partnership Company Society / Club HUF NRI / FII Trust Minor Body Corporate Others ____________________

Enclosed copy of (please 3)PAN proof OR Form 60 Form 61 Form 49A

Application No.:

SIP Application Formfor Debt Schemes

Do not use this Form forLump Sum Investments

DBS Chola Triple Ace DBS Chola Gilt FundDBS Chola Monthly Income Plan


FolioNo.

Name of Sole /First Unit Holder

First / Sole Applicant

Mr. Ms. M/s.


Name



Second Applicant

Mr. Ms. M/s.


Name



Mode of Holding (please4) Single OR Joint OR Anyone or Survivor

Third Applicant

Mr. Ms. M/s.


Name



(PAN not required for contact person)

PAN*


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3 BANK ACCOUNT DETAILS (MANDATORY as per SEBI Guidelines)

A/c. No. Account Type (please4) Current Savings NRE FCNR NRO

Bank Name

Branch Address

City

MICR Code (9 digit number next to your Cheque No.) k IFSC Code

9 DECLARATION & SIGNATURE(S)

Sole / First

Applicant /Guardian

SIGNATURES

I / We have read and understood t he contents of the Offer Document of t he Scheme(s) of DBSChola Mutual Fund. I / Wehereby apply to the trustee of DBSChola Mutual Fund for units of respective Schemes of DBSChola Mutual Fund, as indicated

above and agree to abide by the terms, conditions, rules and regulations of the relevant Scheme(s). I / We hereby declareand confirm that the amount invested in the Scheme(s) indicated above is in no way in contravention of any Act, rules,Regulations, Notifications or Directions of the provisions of the Income Tax Act, Anti Money Laundering Laws or any otherapplicable laws enacted by the Government of India from time to time. I / We have understood the details of the schemeand I / We have not received nor have been induced by any rebate or gifts, directly or indirectly in making this investment.I / We hereby authorise DBSChola Mutual Fund, its Investment Manager and its Agents to disclose details of my / our investmentto my/our bank(s) / DBS Chola Mut ual Funds Bank(s) and / or Distribut or / Broker / Investment Advisor and to verif y my /our bank details provided by me / us. I / We confirm that the funds invested in the Scheme, legally belong to me / us. Ifthe fund is not satisfied with regard to t he completion of the Know Your Customer process for me / us, I / We herebyauthorize the Mutual Fund to redeem the funds invested in the Scheme at the applicable NAV prevailing on the date of suchredemption and initiate such other action that may be required by the law.

For NRIs only: I / We confirm that I am / we are Non Residents of Indian Nationality / Origin and that I / we have remittedfunds from abroad through approved banking channels or from funds in my / our Non-Resident External / Non-ResidentOrdinary / FCNR Account.

I / We confirm that details provided by me / us are true and correct.

SecondApplicant

ThirdApplicant

Date

7 OTHER SERVICES (Optional)E-mail Services (please 4)

I/We wish to receive the following documents via e-mail in lieu of physical document(s)

Account Statement* All other Statut ory Communications Marketing Updates

Other E-mail Services (please 4)

Daily NAV Weekly Market Review Event Updates

T-PIN Services (please 4)

Would you like a T-PIN assigned?

(T-PIN : For Internet based Transactions)

8 FOR INVESTORS WHO WISH TO OPT FOR NOMINATION (For Nomination Form please refer to last page)Nomination Form is enclosed Yes No

Each Cheque Amount (Rs.)

5 PAYMENT DETAILS (MANDATORY as per SEBI Guidelines)

6 ELECTRONIC CLEARING SERVICES (ECS) FOR DIVIDEND PAYMENTS*You may choose to receive dividends in your bank account through the Electronic Clearing Service (only in select cities). Unitholders who do not opt for the ECSfacility will receive dividends by cheques payable at par / DD

I / We authorise DBS Chola Mutual Fund to credit my / our dividend through ECS (please 4)

The 9-digit MICR Code number of my / our Bank & Branch is* Please enclose photo copy of your cheque leaf.

SIP Auto Debit Facility (please fill the SIP Auto Debit Form provided and submit it together with the Cheque for first SIP transaction)

Payment Mechanism (please 3 any one only)

(Minimum 6 instalments of Rs.1,000 each or more for all Schemes)

Amount per Instalment (Rs.) Total Amount (Rs.)

Cheques (please provide the Cheques details below) All Cheques should be drawn in favour of Scheme name and crossed account payee only.

Drawn on Bank

Branch

City

Number ofInstalments

Total number of Cheques ToCheque No. From

(in words)

l This is a 9 digit number next to your Cheque No.

e-mail

* Will be sent Mont hly Aft er every transaction

I / We would like to enroll for Systematic Investment Plan under DBS Chola Mutual Fund subject to terms and conditions of the Scheme / Plan and subsequent amendments thereto.

(* Default Facility)# Please see the Ready Reckoner table on Page No. 8 for Plans / Options available in the respective Scheme

Account to Account transfer facility for redemptions available (please 3any one) Please enclose copy of your cheque leaf.

4 SIP INVESTMENT DETAILS (Please see the Load Structure under SIP on page No. 8)

Scheme Name

Plan #

Enrolment Period Frequency Monthly SIP Date : 5th or 15th or 25thFrom M M Y Y Y Y To M M Y Y Y Ymonths

Option # Dividend Facility (please 3) Reinvestment* Payout

HDFC Bank# ICICI Bank# Citibank ^ * Standard Chartered Bank ^ * IDBI Bank ^ * DBS Bank ^

# Available f or al l Debt Schemes ^ Availab le f or DBS Chola Liquid Fund and DBS Chola Short Term Float ing Rate Fund

* Available for DBS Chola Treasury Management Fund Available for DBS Chola Freedom Income Short Term Fund

DBS Cholamandalam Asset Management Limited - Branches Ahmedabad - 9898046210 / 2656 7295 Bangalore - 4181 1050 / 4181 1051-56 Kolkata - 22837370 / 71 Chennai - 25307402 / 25307405 Chandigarh - 3208979 Coimbatore - 4292471 Delhi - 23353048 / 23353049 / 23354659 Hyderabad - 66737001 / 66837001 Lucknow* - 3258293 Madurai* - 2301378 / 79 / 80 Pune - 3291 2911 / 2551 0468 Kochi - 6533130 Jaipur* - 0141-5103275 / 76 / 77 Mangalore* - 080 - 4181 1056

Mumbai - 66574000 / 6610 4940 / 2202 9007 Ludhiana* - 9815947016 Kanpur* - 9839296100 Salem* - 6502660 Trichy - 2410427 Vadodara* - 2351740

* Application Forms will not be accepted at these locations.

Toll Free No.: 1-800-22-2300


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First SIP cheque and subsequent via Auto Debit in select cities viz :

Agra, Ahmedabad, Amritsar, Allahabad, Aurangabad, Bangalore, Bardhaman, Bhilwara, Bhopal, Bhubaneshwar, Chandigarh, Chennai, Coimbatore,

Calicut, Dehradun, Durgapur, Erode, Gorakhpur, Guwahati, Gwalior, Hubli, Hyderabad, Indore, Jalandhar, Jammu, Jodhpur, Jabalpur, Jamshedpur,

Jaipur, Kanpur, Kochi, Kolhapur, Kolkata, Lucknow, Ludhiana, Madurai, Mangalore, Mumbai, Mysore, Nagpur, Nashik, New Delhi, Nellore, Panjim,Patna, Pondicherry, Pune, Raipur, Ranchi, Rajkot, Salem, Shimla, Sholapur, Siliguri, Surat, Tirupati, Thirupur, Trichur, Trivandrum, Vadodara, Varanasi,

Vijayawada, Visakhapatnam and Udaipur.

The cities in the list may be modified / updated / changed / removed at any time in future entirely at the discretion of DBS Chola Mutual Fund without

assigning any reasons or prior notice. If any city is removed from the list, SIP instructions for investors in such cities via ECS (Debit) route will be

discontinued without prior notice.

Note: Please allow minimum 21 working days for auto debit to register and start. Auto debit has to commence within 60 days of 1st SIP Cheque

SIP Auto Debit Form(Registration cum Mandate Form for ECS)


Note:- Mandate to be obtained in 3 copies, Original for Bank, One for User Company and other for Customer)

Signature of the AuthorisedOfficial from the Bank

DECLARATION AND SIGNATURE(S)

I hereby declare that the part iculars given above are correct and complete. If the transaction

is delayed or not effected at all for reasons of incomplete or incorrect information, I would

not hold the user institution responsible. I have read the option invitation letter and agree

to discharge the responsibility expected of me as a participant under the scheme.

DEBIT MANDATE [Electronic Clearing Service (Debit Clearing)]

The Manager

I hereby authorise you to debit my account for making payment to DBS Chola Mutual Fund through ECS (Debit) clearing as per the details given as under.

Name of the Scheme Date of effect Periodicity Amount of Number of

(5/15/25) (Monthly / Quarterly) Installment (Rs.) Installments

Certified that the particulars furnished above are correct as per

our records.

(Bank's Stamp)

SIGNATURE of Customer (As in Bank Records)Date Date

Copy to the User Company

Tel. No.

Address

Name

Telephone No.

City

Branch Address

Bank Name

A) Name of Bank Account Holder Mr. Ms. M/s.

C) Account Type (please4) Current Savings Cash CreditB) 9 Digit M ICR Code of the Bank and Branch

(Appearing on M ICRCheque issued by the bank.)

E) A/c. No.D) Ledger No. / Ledger Folio No.

Name of Sole / First Applicant

SIP Application No.(In case of New Investor)

Folio No. (In case ofExisting Investor)

Mr. Ms. M/s.

APPLICANTS INFORMATION


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STP DETAILS (please 3 your choice of Scheme / Plan / Option)

Systematic Transfer Plan (STP)

Enrolment FormPlease read instructions before filling the Form

To,The Trustee

DBS Chola Mutual Fund

I / We have read and understood the contents of the Offer Document of the Scheme(s) and the terms and conditions of the Scheme / Plan and subsequent

amendments thereto. I / We hereby apply for the STP Enrolment under the following Scheme / Plan (please 3 your choice).

Date D D M M Y Y Y Y

INVESTOR DETAILS

Name of Sole / First Investor / Guardian

Mr. Ms. M/s.

Folio No.(Existing Investor)

DBS Chola Growth FundCumulative* Quarterly Dividend

Reinvestment* Payout

From any of the following Scheme

DBS Chola Liquid Fund

Regular Plan Cumulative* Weekly Dividend

Reinvestment * Payout

Inst it ut ional Plus Plan Cumulat ive* Weekly Dividend


Institutional Plan Daily Dividend Reinvestment

Super Inst itut ional Plan Cumulat ive* Weekly DividendReinvestment * Payout

Other Terms for STP1) Opt ion

(a) Fixed Amount : A minimum fixed amount of Rs. 1,000/- can be transferred subject to availability of a minimum account balance of Rs. 25,000/- in the transferorscheme at the point of initialization of STP

(b) Capital Appreciation : A minimum capital appreciation of Rs. 1,000/- in the transferors scheme can be transferred subject to maintenance of a minimumaccount balance of Rs. 25,000 in the transferor scheme. Balance as on the date of opting for the STP would be considered as principal amount and anycapital appreciation over that is considered for transfer under this option.

2) The minimum application size applicable to any of the schemes is not applicable while t ransfer to any of the schemes under STP.3) For an existing investor account balance as of t he date of opt ing for the STP would be considered as principal amount and any capital appreciation over that

is considered for systematic transfer under the appreciation option.

Signature(s)Sole / First Unitholder / Guardian Second Unitholder Third Unitholder

Please Note : Signature(s) should be as it appears on the Application Form and in the same order.

DBS Chola Freedom Income - Short Term Fund

Regular Cumulat ive* Monthly Dividend Semi-annual ly Dividend


Inst itutional Cumulat ive* Monthly Dividend Weekly Dividend


DDRIP Daily Dividend

Reinvestment*

DBS Chola Short Term Floating Rate Fund

Cumulative* Monthly Dividend Weekly Dividend Daily Dividend


DBS Chola Monthly Income Plan**

Cumulative* Monthly Dividend Quarterly DividendReinvestment * Payout

DBS Chola Midcap FundCumulat ive* Dividend

Reinvestment* PayoutDBS Chola Opportunities Fund

Cumulat ive* Dividend


DBS Chola Multi-Cap FundCumulat ive* Dividend


DBS Chola Global Advantage FundCumulat ive* Dividend


DBS Chola Contra FundCumulat ive* Dividend


DBS Chola Tax Saver FundCumulat ive* Dividend


DBS Chola Hedged Equity FundCumulative* Dividend


DBS Chola Triple AceCumulat ive* Bonus Quarterly Dividend Semi-annually Dividend


DBS Chola Monthly Income PlanCumulative* Monthly Dividend Quarterly Dividend


* Default Plan / Option / Facility* * STPf acility under DBS Chola MIPis available only for equity schemes viz, DBS Chola Growth Fund,

DBSChola Midcap Fund, DBSChola Opportunities Fund, DBSChola Multi-Cap Fund, DBSChola GlobalAdvantage Fund, DBS Chola Contra Fund, DBS Chola Tax Saver Fund and DBS Chola HedgedEquity Fund.

* Default Plan / Option / Facility

To any of the following Scheme

Fixed Amount (Rs.) or Capital Appreciation

(Minimum transfer amount - Rs. 1,000 x 6)

The STP facility can only be availed on 5th, 15th or 25th of a month. If the 5th, 15th or 25th of the month falls on non-business day then STP falling on suchnon-business day will be effected on the succeeding business day.

Enrolment Period STP Date : 5th or 15th or 25thmonths From M M Y Y Y Y To M M Y Y Y Y

Frequency Mont hly Quarterly


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Form for Nomination /Cancellation of Nomination[To be filled in by individual(s) applying for /

holding units singly or jointly]

Name of Sole / First Investor

Mr. Ms. M/s.

Application No.

(In case of New Investor)

Folio No.

(Existing Investor)

Date D D M M Y Y Y Y

I / We do hereby nominate the person more particularly described hereunder / and* / cancel the nomination made by me / us on the

day of in respect of the Units under Folio No.

(* strike out which is not applicable)

Name and Address of Nominee

Mr. Ms. M/s.Name

Address

Date of Birth of Nominee D D M M Y Y Y Y Nominees Relationship with the Applicant

If Nominee is a Minor, Details of the Guardian require :

Name and Address of the Guardian

Mr. Ms. M/s.Name

Address

Guardians Relationship with the Minor Nominee Signature of Guardian

Signature(s)

Sole / First Unitholder / Guardian Second Unitholder Third Unitholder

INSTRUCTIONS FOR NOMINATION

Applicants applying for Units singly / jointly can make a nomination at the time of initial investment or during subsequent investments.

a) The nomination can be made only by individuals applying for / holding units on their own behalf singly or jointly. Non-individuals including society, trust, body corporate,partnership firm, Karta of Hindu Undivided Family, holder of Power of Attorney cannot nominate. If the units are held jointly, all joint holders will sign the nominationform.

b) Only one person per folio can be nominated. If more than one person is to be nominated, please contact the AMC for the Nomination Form. A minor can be nominatedand in that event, the name, address and PAN/GIR No. and IT Circle / Ward / District (if available) of the Guardian of the minor nominee shall be provided by the Unitholder.

c) The Nominee shall not be a trust (other than a religious or charitable trust), body corporate, partnership firm, Karta of Hindu Undivided Family or a Power of Attorneyholder. A non-resident Indian can be a Nominee subject to the exchange controls in force, from time to time. Nomination can also be made in favour of the CentralGovernment, State Government, Local Authority, any person designated by virtue of his office or a religious or charitable trust.

d) Nomination in respect of the Units stands rescinded upon the transmission of Units.

e) Transmission of Units in favour of a Nominee shall be valid discharge by the AMC / Fund / Trustees against the legal heir. However, the Mutual Fund / Trustee / AMC mayrequest the nominee to execute suitable indemnities in favour of the Fund and / or the Trustee and / or the AMC, and to submit necessary documentation to thesatisfaction of the Fund before transmitting Units to his / her favour. Nominations received in the form prescribed by the AMC alone shall be valid.

f) The cancellation of nomination can be made only by those individuals who hold Units on their own behalf singly or jointly and who made the original nomination.

g) On cancellation of the nomination, the nomination shall stand rescinded and the AMC / Fund / Trustees shall not be under any obligation to transmit the Units in favourof the Nominee.

Scheme

Plan

Option


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20/20

DBS Chola Mutual Fund, is promoted by Cholamandalam DBS Finance Ltd.- the joint venture between Murugappa group and DBS Bank, Singapore

DBS CHOLAMANDALAM ASSET MANAGEMENT LIMITED - BRANCHES

Mumbai: H.O. : World Trade Centre, Centre 1, 27th Floor, Unit 1, Cuffe Parade, Colaba, Mumbai-400 005 Tel.: 66574000 Mumbai (Branch) : Flat No. 10, 3rd Floor,Kasturi Bldg., Opp. H P House, Churchgate, Mumbai-400 020 Tel.: 6610 4940, 2202 9007 Ahmedabad : 101, First Floor, Chandan House, Above Kotak Mahindra Bank,Opp. Pantaloon, Mithakhali Six Roads, Ellisbridge, Ahmedabad-380 009 Cell : 9898046210 / 2656 7295 Bangalore : 28/1 Kensington Road, Diagonally Opp. Gurudwara,Ulsoor Road, Bangalore-560 042 Tel.: 080-4181 1050, 4181 1051-56 Kolkata : Pradip Estates, 3rd Floor, Chabbildas Towers, 6A Middleton Street, Kolkata 700 071 Tel.:033 -22837370 / 71 Chennai : DARE HOUSE, No. 2, NSC Bose Road, Parrys, Chennai-600 001 Tel.: 044-25307402, 25307405 Chandigarh : SCO 23-24-25, 3rd Floor,Sector- 34A Chandigarh-160 022 Tel.: 3208979 Coimbatore : Fourth Floor, Sri Arthanari Towers, No.114, Race Course Road, Coimbatore-641 018 Tel.: 0422 - 4292471

Delhi : 907, 9th Floor, Kanchanjunga Bldg., Barakhambha Road, New Delhi- 110 001 Tel.: 011- 23353048, 23353049, 23354659 Hyderabad : 5th Floor, V. V. VintageBoulevard, 6-3-1093, Raj Bhavan Road, Somajiguda, Secunderabad-500 082 Tel.: 040-66737001 / 66837001 Lucknow* : Marigold Building, Door No. 4, 2nd Floor,Shahnajaf Road, Above Narullas Restaurant, Lucknow - 226 001 Tel.: 0522-3258293 Madurai* : No. 4/5 Aaparna Annex Towers, 1st Floor, Bye Pass Road, Madurai-625 010Tel.: 0452-2301378/79/80 Pune : Shrin