KEY INFORMATION MEMORANDUMCUM APPLICATION FORM

BARODA BANKING & PSU BOND FUND(An open-ended debt scheme predominantly investing in debt instruments of banks,

Public Sector Undertakings, Public Financial Institutions and Municipal Bonds)

Offer of Units of 10/- Per unit for cash during the New Fund Offer and at NAV based prices upon re-opening

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BARODA ASSET MANAGEMENT INDIA LIMITED(Investment Manager to Baroda Mutual Fund)

This Key Information Memorandum (KIM) sets forth the information, which a prospective investor ought to know before investing. For further details of the scheme / Mutual Fund, due diligence certificate by the AMC, Key Personnel, investors’ rights & services, risk factors, penalties & pending litigations etc., investors should, before investment, refer to the Scheme Information Document and Statement of Additional Information available free of cost at any of the Investor Service Centres or distributors or from the website www.barodamf.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.

This document is dated November 17, 2020

New Fund Offer Opens on : November 27, 2020

New Fund Offer Closes on : December 10, 2020

Scheme re-opens for continuous sale and re-purchase on or before : December 24, 2020

Name of Mutual Fund : Baroda Mutual Fund

Name of Asset Management Company : Baroda Asset Management India Limited(Formerly known as Baroda Pioneer Asset Management Company Limited)CIN : U65991MH1992PLC069414

Name of Trustee Company : Baroda Trustee India Private Limited(Formerly known as Baroda Pioneer Trustee Company Private Limited)CIN : U74120MH2011PTC225365

Addresses, Website of the entities : 501, Titanium, 5th Floor, Western Express Highway, Goregaon (E), Mumbai - 400 063.Email : www.barodamf.com

This product is suitable for investors who are seeking*:

• Generate returns over short to medium term.

• Invest primarily in debt instruments of Banks, PFIs, PSUs and Municipal Bonds.

Investors understand that their principal will at Moderate risk

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

Name of the Scheme Baroda Banking & PSU Bond Fund

Type of Scheme An open-ended debt scheme predominantly investing in debt instruments of banks, Public Sector Undertakings, Public Financial Institutions and Municipal Bonds.

Investment Objective The scheme seeks to provide regular income through a portfolio of debt and money market instruments consisting predominantly of securities issued by entities such as Banks, Public Sector Undertakings (PSUs), Public Financial Institutions and Municipal Bonds.

However, there is no assurance or guarantee that the objective of the scheme will be achieved.

Asset Allocation Pattern of the Instruments Indicative Allocation (% of total assets) Risk Profile Scheme Minimum Maximum (High/ Medium/Low)

Debt and Money Market Instruments issued by Banks, Public Sector Undertakings (PSUs), 80 100 Low to Medium Public Financial Institutions (PFIs) and Municipal Bonds

Debt (including government securities) and Money Market Instruments issued by entities other 0 20 Low to Mediumthan Banks, PFIs and PSUs

Units issued by REITs/InVITs 0 10 Medium to High

The scheme may invest in derivatives of fixed income instruments up to a maximum of 50% of its net assets. The scheme may invest in Securitised Debt upto 50%. The scheme may invest upto 20% of its net assets in structured obligations. The scheme may take an additional exposure of 5% of its net assets in case of AAA and/or A1+ rated structured obligation papers.

The scheme may enter into reverse repos in government securities as may be permitted by SEBI and RBI. A part of the net assets may be invested in Triparty Repo or in an alternative investment as may be provided by RBI to meet the liquidity requirements.

The scheme may undertake repo transactions in corporate debt securities in accordance with the directions issued by SEBI / RBI from time to time and in line with the policy approved by the Board of Directors of the AMC and Trustee Company.

The scheme may invest in Foreign Securities upto 10% of its net assets subject to maximum of US$ 600 million in the aggregate at the Mutual Fund level, as per the SEBI circular nos. SEBI/IMD/CIR No.7/104753/07 dated September 26, 2007, SEBI/IMD/CIR no. 2/122577/08 dated April 8, 2008 and SEBI/HO/IMD/DF3/CIR/P/2020/225 dated November 05, 2020.

The cumulative gross exposure through debt and money market instruments, REITs and InvITs and derivative positions shall not exceed 100% of the net assets of the scheme. However, cash or cash equivalents with residual maturity of less than 91 days may be treated as not creating any exposure.

Pending deployment of the funds in securities as per the investment objectives of the Scheme, the AMC may park the funds of the scheme in short term deposits of scheduled commercial banks, subject to the guidelines issued by SEBI vide its circular dated April 16, 2007 as may be amended from time to time.

The scheme may engage in short selling in accordance with the framework relating to short selling and securities lending and borrowing specified by SEBI.

The scheme shall not invest in Credit Default Swaps.

The scheme may deploy NFO proceeds in Tri-party repo before the closure of NFO period. However, the AMC shall not charge any investment management and advisory fees on funds deployed in Tri-party repos during the NFO period.

Prudential Limits in Sector and The AMC shall ensure that the total exposure of the scheme in a particular sector (excluding investments in Bank CDs, Tri-party repo , G-Secs, T-Bills and AAA rated securities

Group Exposure issued by Public Financial Institutions and Public Sector Banks) does not exceed 20% of the net assets of the scheme. The scheme may have an additional exposure to financial services sector (over and above the existing 20%) not exceeding 10% of the net assets of the scheme, by way of increase in exposure to Housing Finance Companies (“HFCs”) only, subject to the condition that such securities issued by HFCs are rated AA and above and these HFCs are registered with National Housing Bank (NHB). However, the total investment in HFCs cannot exceed 20% of the net assets of the scheme. Further, an additional exposure of 5% of the net assets of the scheme may be invested in securitized debt instruments based on retail housing loan portfolio and/or affordable housing loan portfolio.

The total exposure in a particular group (excluding investments in securities issued by Public Sector Units, Public Financial Institutions and Public Sector Banks) shall not exceed 20% of the net assets of the scheme. Such investment limit may be extended to 25% of the net assets of the scheme with the prior approval of the Board of Directors of the Trustee Company. Investment by the scheme in debt and money market instruments of group companies of both the Sponsor and the AMC shall not exceed 10% of the net assets of the scheme. Such investment limits may be extended to 15% of the net assets of the scheme with the prior approval of the Board of Trustee.

For this purpose, a group means a group as defined under regulation 2 (mm) of the SEBI (Mutual Funds) Regulations, 1996 and shall include an entity, its subsidiaries, fellow subsidiaries, its holding company and its associates.

Investment Strategy The scheme is an open-ended debt scheme that seeks to provide regular income through a portfolio of debt and money market instruments consisting predominantly of securities issued by entities such as Banks, Public Sector Undertakings (PSUs), Public Financial Institutions and Municipal Bonds.

The key factors of the investment strategy of the scheme are :

a) Identifying attractive opportunities on the basis of the government policies, economic development, monetary policy, research report and overall economic conditions and development.

b) The issuer/companies selection for investment exposure would be based on financial parameters such as fundamentals of business, quality of management, turnover, financial strength of the company and the key earnings drivers, net worth, Interest coverage ratio, profitability track record and the liquidity of the securities /instruments.

c) Issuer/companies, which meet the initial selection norms, are then evaluated on the financial norms for consideration in the investments.

d) The scheme will emphasize on well managed, with above average growth prospects whose securities can be purchased at a good yield and whose debt securities will be mainly in securities listed as investments grade by a recognized authority like CRISIL, ICRA, CARE etc.

e) Investment in sovereign papers would be based on the interest rate expectations arising out of macroeconomic analysis. This includes analysis of inflation data, & trends in macro variables such as credit growth, liquidity, money supply, fiscal numbers & global interest.

Please refer to the SID for detailed information on the investment strategy.

Risk Profile of the scheme Mutual Fund Units involve investment risks including the possible loss of principal. Please read the SID carefully for details on risk factors before investment. Scheme specific Risk Factors are summarized below:

Risks associated with securities issued by Banks and PSUs : The risks associated with debt and money market securities issued by banks and PSUs are perceived to be lower compared to other fixed income instruments. However, these entities are unique in terms of being heavily regulated and affected by government policies, which could impact the credit profile of these issuers.

Interest Rate Risk: As with all debt and money market instruments, changes in interest rates will affect the scheme’s Net Asset Value as the prices of securities generally increase as interest rates decline and decrease as interest rates rise.

Liquidity or Marketability Risk: This refers to the ease at which a security can be sold at or near its true value. The primary measure of liquidity risk is the spread between the bid price and the offer price quoted by a dealer.

Credit Risk: Credit risk or default risk refers to the risk which may arise due to default on the part of the issuer of the fixed income security (i.e. will be unable to make timely principal and interest payments on the security).

Reinvestment Risk: This risk refers to the interest rate levels at which cash flows received from the securities in the scheme or from maturities in the scheme are reinvested. The additional income from reinvestment is the “interest on interest” component. The risk refers to the fall in the rate for reinvestment of interim cash flows.

Risks associated with transaction in Units through Stock Exchange mechanism: Allotment and/or redemption of Units through NSE or BSE or any other recognized stock exchange on any Business Day will depend upon the modalities of processing viz. collection of application form, order processing, settlement, etc., upon which the scheme has no control. Moreover, transactions conducted through the stock exchange mechanism will be governed by the operating guidelines and directives issued by the relevant recognized stock exchange.

Please refer SID for risks associated with investing in derivatives, REITs and InvITs, securitized debt, repo in corporate debt securities and Foreign Securities. Please read the SID carefully for details on risk factors before investing.

Risk management strategy Investment in money market securities carries various risks such as inability to sell securities, trading volumes and settlement periods, interest rate risk, liquidity risk, default risk, reinvestment risk etc. Whilst such risks cannot be eliminated, they may be mitigated by diversification.

viz. upto Rs. 100 crores

Key Information Memorandum cum Application Form

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Plans and Options The scheme will have two plans thereunder viz. Regular Plan and Direct Plan.

The Direct Plan is meant for direct investments, i.e. for investors who purchase/subscribe to the units of the scheme directly with the Fund and is not available for investors who route their investments through a distributor, while the Regular Plan is meant for investors who route their investments through distributors only.

Both Plans will have a common portfolio but the Direct Plan will have a lower expense ratio on account of absence of brokerage and commission. Hence, both Plans will have distinct NAVs.

Each of the Plans will have the following options:

• Growth Option (default option in case no option specified by investor);

• Dividend Option

The Dividend option offers the following sub-options:

• Monthly Dividend (Default sub-option in case no sub-option is selected by the investor)

• Quarterly Dividend

Each of the above sub-options offer the facilities of Pay-out and Re-investment (default).

If the Dividend under the Payout facility is less than or equal to ̀ 200, it will, by default, be reinvested.

In order to have a uniform disclosure on treatment of applications under “Direct” / “Regular” Plans, the following disclosures are made :

Scenario Broker Code mentioned by the investor Plan mentioned by the investor Default Plan to be captured

1 Not mentioned Not mentioned Direct Plan

2 Not mentioned Direct Direct Plan

3 Not mentioned Regular Direct Plan

4 Mentioned Direct Direct Plan

5 Direct Not mentioned Direct Plan

6 Direct Regular Direct Plan

7 Mentioned Regular Regular Plan

8 Mentioned Not mentioned Regular Plan

In cases of wrong/ invalid/ incomplete ARN codes mentioned on the application form, the application shall be processed under Regular Plan. The AMC shall contact and obtain the correct ARN code within 30 calendar days of the receipt of the application form from the investor/ distributor. In case, the correct code is not received within 30 calendar days, the AMC shall reprocess the transaction under Direct Plan from the date of application without any exit load.

Applicable NAV Purchase(after the scheme opens for a) In respect of valid application received up to 3 p.m. along with a local cheque payable at par at the place where the application is received, closing NAV of the day of repurchase and sale) acceptance of application.

b) In respect of valid application received after 3 p.m. along with a local cheque, closing NAV of the next Business Day.

c) In respect of valid application with outstation cheque not payable at par at the place where application is received, closing NAV of the day on which the cheque is credited.

In respect of valid subscription applications for amounts equal to or more than ̀ 2 lakh, Units will be allotted based on the NAV of the day on which the funds are realized up to 3 p.m., subject to the transaction being time-stamped appropriately. In respect of all valid applications for amounts less than ̀ 2 lakh, allotment of Units will be based on the NAV as per the time stamp.

For allotment of Units for an amount equal to or more than ̀ 2 lakh, it shall be ensured that:

(i) Application is received before the applicable cut-off time.

(ii) Funds for the entire amount of purchase/subscription applications are credited to the bank account of the scheme before the cut-off time; and

(iii) The funds are available for utilization by the scheme before the cut-off time without availing any credit facility whether intra-day or otherwise.

For allotment of Units in respect of switch-in to the scheme from other schemes, it shall be ensured that the application for the switch-in is received before the applicable cut-off time, the funds for the entire amount of subscription/purchase as per the switch-in request are credited to the bank account of the scheme before the cut-off time and are available for utilization before the cut-off time without availing any credit facility whether intra-day or otherwise, by the scheme.

Re-purchase / Redemption

Where the application is received up to 3 p.m. - Closing NAV of the day of receipt of application.

Where the application is received after 3 p.m. - Closing NAV of the next Business Day.

Transactions through electronic mode:

The time of transaction done through electronic mode, for the purpose of determining the applicability of NAV, would be the time when the request for purchase / sale / switch of units is received in the servers of AMC/Registrar.

In case of a time lag between the amount of subscription being debited to the investor's bank account and the subsequent credit into the respective scheme's bank account, the applicability of NAV for transactions where NAV is to be applied based on actual realization of funds by the scheme, may be impacted. The AMC/its bankers/ its service providers would not be liable for any such delay/lag and consequent pricing of units.

Transactions through Stock Exchange Mechanism :

Investors may note that for transactions through the stock exchange, Applicable NAV shall be reckoned on the basis of the time stamping as evidenced by the confirmation slip given by the stock exchange mechanism.

Transactions through tele-transact facility :

The cut off time for the tele transact facility is 2 p.m. for purchases on all business days. If the call is received after the said cut off time, the same would be considered as transaction for the next business day. All calls received up to the specified cut off time, shall be eligible for the Applicable NAV.

‘Switch in’ transactions will be treated as if they were purchase transactions and ‘switch out’ transactions will be treated as if they were repurchase transactions. In case of ‘switch’ transactions from one scheme to another, the allocation shall be in line with redemption payouts.

Minimum Application Amount/ Purchase : ` 5,000/- and in multiples of ̀ 1/- thereafter. Number of Units Additional Purchase : ` 1,000/- and in multiples of ̀ 1/- thereafter.

Re-purchase : No minimum amount

Despatch of Repurchase Redemption or repurchase proceeds shall be dispatched to Unit Holders within 10 working days of the receipt of the redemption request at the official points of acceptance of(Redemption) Request Baroda Mutual Fund.

Benchmark Index Nifty Banking & PSU Low Duration Bond Index

Dividend Policy Under the dividend option, the Trustee may declare dividends, subject to availability and adequacy of distributable surplus, calculate in accordance with the SEBI Regulations, and the decision of the Trustee shall be final in this regard. There is no assurance or guarantee to the Unit Holders as to the rate of dividend or that dividend will be paid regularly. The procedure and manner of payment of dividends shall be in line with SEBI circular / guidelines no. SEBI/IMD/CIR no.1/64057/06 dated April 4, 2006 and SEBI/IMD/CIR no. 3/65370/06 dated April 21, 2006 as amended from time to time.

Name of Fund Managers Mr. Alok Sahoo, Head-Fixed Income, Mr. Karn Kumar, Fund Manager (Debt) & Senior Credit Analyst, and Ms. Hetal Shah, Fund Manager (Debt) (Dedicated fund manager for overseas investments).

Name of the Trustee Company Baroda Trustee India Private Limited

Performance of the scheme This is a new scheme and does not have any performance track record.

Additional scheme related Disclosure on portfolio holdings, sector allocation and portfolio turnover ratio is not applicable as the scheme is a new scheme.disclosures The latest fortnightly / monthly portfolio of the scheme shall be available on the website of AMC/Mutual Fund (www.barodamf.com).

Expenses of the scheme A. New Fund Offer (NFO) expenses

In accordance with the provisions of SEBI Circular no. SEBI/ IMD/CIR No. 1/64057/06 dated April 04, 2006 and SEBI/IMD/CIR No. 4/ 168230/09 dated June 30, 2009, NFO expenses will not be charged to the scheme. Such expenses will be borne by the AMC.

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B. Load structure and transaction charges during NFO and continuous offer

Entry Load: Not Applicable

Pursuant to SEBI circular no. SEBI/IMD/CIR no. 4/168230/09 dated June 30 2009, no entry load will be charged by the scheme to the investor. Similarly, no entry load will be charged with respect to applications for registrations under Systematic Investment Plan (SIP)/ Systematic Transfer Plan (STP) accepted by the mutual fund under the scheme.

Exit Load : Nil

No Exit Load will be charged for switches between the options / Plans under the Scheme. Investors are requested to check the prevailing load structure of the Scheme, before investing.

Investors are requested to check the prevailing load structure of the scheme, before investing. Any change in load structure, will be prospective and will tantamount to change in fundamental attribute of the Scheme.

Transaction charge :

i. Nil on subscription amounts less than ̀ 10,000/-;

ii. ` 100/- on every subscription of ̀ 10,000/- and above for an existing investor in mutual funds;

iii. ` 150/-* on a subscription of ̀ 10,000/- and above for an investor investing in mutual funds for the first time.

*In the case of any applicable transaction, where the AMC/Fund/Registrar is unable to identify whether the investor concerned is a first-time investor in mutual funds, ` 100/- will be charged as transaction charge.

The transaction charge referred to in (ii) and (iii) above will be payable only for transactions done through a distributor who has opted to receive the transaction charges on product basis.

C. Annual scheme recurring expenses

The AMC has estimated that upto 2.00% per annum of the daily average net assets of the scheme will be charged to the scheme as expenses.

Particulars % p.a. of daily Net Assets (Regular Plan)

Investment Management & Advisory Fee

Trustee fee

Audit Fees

Custodian Fees

Registrar & Transfer Agent Fees

Marketing & Selling Expenses including Agents’ Commission

Costs related to investor communications

Costs of fund transfer from location to location Upto 2.00

Cost of providing account statements / dividend / redemption cheques/ warrants

Cost of Statutory Advertisements

Cost towards investor education & awareness (at least 2 bps)

Brokerage & transaction cost over and above 12 bps and 5bps for cash and derivatives market trades respectively

Goods & Service Tax (GST) on expenses other than investment and advisory fees

GST on brokerage and transaction cost$Other expenses

Maximum Total expenses ratio (TER) permissible under Regulation 52 (6) (c)(i) and (6) (a) Upto 2.00%Additional expenses for gross new inflows from specified cities under regulation 52(6A) (b) Upto 0.30

$Any other expenses which are directly attributable to the scheme, may be charged with approval of the Trustee within the overall limits as specified in the Regulations except those expenses which are specifically prohibited.%Additional TER will be charged based on inflows only from retail investors (other than corporates and institutions) from B-30 cities. As per SEBI circular dated March 25, 2019, inflows of amount upto ̀ 2,00,000/- per transaction, by individual investors from B-30 cities, shall be considered as inflows from retail investors.

Expense Structure for Direct Plan - The annual recurring expenses will be within the limits specified under the Regulations. Commission/distribution expenses will not be charged in case of Direct Plan and hence, the TER of Direct Plan will be lower to the extent of the commission/distribution expenses vis-à-vis Regular Plan.

Types of expenses charged shall be as per the SEBI Regulations and within the limits mentioned above. Expenses are fungible inter-se. Investors may note that the above mentioned limits on TER are within the limits mandated by Regulation 52 (6) of the SEBI Regulations, which are as under :

i. 2.00% on the first ̀ 500 crores of daily net assets.

ii. 1.75% on the next ̀ 250 crores of daily net assets.

iii. 1.50% on the next ̀ 1,250 crores of daily net assets.

iv. 1.35% on the next ̀ 3,000 crores of daily net assets.

v. 1.25% on the next ̀ 5,000 crores of daily net assets.

vi. Total expense ratio reduction of 0.05% for every increase of ̀ 5,000 crores of daily net assets or part thereof on the next ̀ 40,000 crores of the daily net assets.

vii. 0.80% on the balance of the daily net assets.

The AMC will also annually set apart, for investor education and awareness initiatives, at least 0.02% on the daily net assets of the scheme, which shall be within the maximum limit of TER as mentioned in the table above. Further, in addition to the TER, the following costs or expenses may be charged to the scheme, namely :

(a) brokerage and transaction costs, which are incurred for the purpose of execution of trades, may be capitalised to the extent of 12 bps in case of cash market transactions and 5 bps in case of derivatives transactions. Any payment towards brokerage and transaction cost over and above the aforesaid limits may be charged to the scheme within the maximum limit of TER mandated by Regulation 52(6) of the SEBI Regulations.

(b) expenses not exceeding 0.30% of the daily net assets of the scheme, if the new inflows from such cities as specified by SEBI from time to time are at least (i) 30% of gross new inflows in the scheme, or (ii) 15% of the average assets under management (year to date) of the scheme, whichever is higher.

Provided that if inflows from such cities are less than the higher of (i) or (ii) above, such expenses on the daily net assets of the scheme shall be charged on a proportionate basis. Provided further that the expenses charged under this provision shall be utilised for distribution expenses incurred for bringing inflows from such cities. Provided further that the amount incurred as expense on account of inflows from such cities shall be credited back to the scheme in case the said inflows are redeemed within a period of one year from the date of investment. These additional expenses can be charged based on inflows only from retail investors (other than corporates and institutions) from B-30 cities. As per SEBI circular dated March 25, 2019, inflows of amount upto ̀ 2,00,000/- per transaction, by individual investors from B-30 cities, shall be considered as inflows from retail investors. Additional commission for B-30 cities shall be paid as trail only.

GST on investment and advisory fees may be charged to the scheme in addition to the maximum limit of TER as mentioned in the table above. GST on expenses other than investment and advisory fees, if any, shall be borne by the scheme within the maximum limit of TER as mentioned in the table above. GST on brokerage and transaction costs paid for execution of trade, if any, shall be within the limit prescribed under Regulation 52 of the SEBI Regulations.

The Mutual Fund shall update the current expense ratios on its website at least three working days prior to the effective date of the change. Investors may refer to the website of the Mutual Fund (http://www.barodamf.com/Downloads/Pages/expenseratio.aspx) for the current expense ratios.

D. Actual expenses for the previous year

Not Applicable, as this is a new scheme.

Waiver of load for Direct Not Applicable. Pursuant to SEBI circular no. SEBI/IMD/CIR no. 4/168230/09 dated June 30, 2009, no entry load will be charged by the scheme to investor.Applications

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Tax treatment for the Investors Particulars Deduction of tax at source by the Mutual Fund In the hands of resident Investors#(Unit Holders) for FY 2020-2021 Tax on Dividends - For Individuals / HUFs 29.12% Dividend income is taxable in the hands of the unit holder at the

@ #For Domestic Company 34.94% applicable tax / slab rates

Capital Gains

Long Term (Individual/ HUF/ Company) Nil 20% with indexation$ @(units held for more than 36 months)

Short Term (Individual /HUF/ Company) Nil 30%$ @ ̂(units held for 36 months or less)

# inclusive of surcharge and health and education cess

Mutual funds are required to withhold tax on income in respect of units at the rate of 10% on income (in excess of INR 5,000) paid to a Resident & 20% on any income paid to a Non-Resident. However, CBDT issued a Press Release on May 13, 2020, announcing a reduction in rate of Tax Deduction at Source (TDS) & Tax Collection at Source (TCS) in order to provide more funds in the hands of taxpayers for dealing with economic situation arising out of Covid 19 Pandemic. The rates of TDS for non-salaried specified payments made to the Residents has been reduced by 25% for the period 14th May 2020 to 31st March 2021.

In case of Non Resident Indians, income-tax will be deducted at source from the capital gains under section 195 of the Income Act, as follows :

• On income by way of long-term capital gains on transfer of units at the rate of @ 10% (without indexation), plus applicable surcharge and health and education cess

• On income by way of short-term capital gains @ 30% (plus applicable surcharge and health and education cess), assuming the investor falls into the highest tax bracket.

Short term/ long-term capital gain tax will be deducted at the time of redemption / switch out of units in case of NRI investors only. Surcharge will be applicable as per rates given below.

$ Surcharge is applicable as follows:

Ø 10% of the tax payable to be levied on individuals /HUFs or AOP's or BOIs whose total income exceeds ̀ 50 lakhs but does not exceed ̀ 1 crore.

Ø 15% of the tax payable to be levied on individuals / HUFs or AOP's or BOIs whose total income exceeds ̀ 1 Cr but does not exceed ̀ 2 Cr.

Ø 25% of the tax payable to be levied on individuals / HUFs or AOP's or BOIs whose total income exceeds ̀ 2 Cr but does not exceed ̀ 5 Cr.

Ø 37% of Base tax where specified income exceeds ̀ 5 crores.

@ Surcharge at 7% to be levied for domestic corporate unit holders where income exceeds ` 1 crore but less than ` 10 crores and at 12%, where income exceeds ` 10 crores. In case of Partnership firm, surcharge at 12% is applicable, where the income exceeds `1 crore. If the income does not exceed ` 1 crore, the surcharge is Nil. However, surcharge at flat rate of 10 percent to be levied on base tax for the companies opting for lower rate of tax of 22%/15% as explained below.

Further, Health and Education Cess to be levied at the rate of 4% on aggregate of base tax and surcharge

^ Assuming the investor (individual /HUF) falls into highest tax bracket. In case of a company, 25%, if total turnover or gross receipts in the financial year 2018-19 does not exceed ̀ 400 crores; 22%, which is optional and subject to fulfillment of certain conditions as provided in section 115BAA; 15%, which is optional for companies engaged in manufacturing business (set-up & registered on or after 1 October 2019) subject to fulfillment of certain conditions as provided in section 115BAB.

Note: Investors are requested to note that the tax position prevailing at the time of investment may change in future due to statutory amendments. The Mutual Fund will pay/deduct taxes as per the applicable tax laws on the relevant date. Additional tax liability, due to such changes in the tax structure, shall be borne by the Unit Holders and not by the AMC or Trustee.

Investors are advised to refer to the paragraph on Taxation in the Statement of Additional Information and also consult their own tax advisor with respect to the specific tax implications arising out of their participation in the Scheme.

Daily Net Asset Value (NAV) The first NAV will be calculated and announced within a period of 5 Business Days from the date of allotment. Subsequently, the NAVs of the scheme will be calculated and declared on the close of each Business Day. The AMC shall update the NAVs on the website of the Fund (www.barodamf.com) and of the Association of Mutual Funds in India - AMFI (www.amfiindia.com) on every Business Day. The same shall be made available to unit holders through SMS upon receiving a specific request in this regard.

For Investor Grievances please Name and address of Registrar Details of Investor Relation Officer of the AMC

contact KFin Technologies Private Limited Name : Mr. Amitabh AmbasthaKarvy Selenium Tower B, Plot Number 31 & 32, Address : Baroda Asset Management India Ltd. Financial District Nanakramguda Serilingampally Mandal, CIN: U65991MH1992PLC069414Hyderabad - 500 032. 501 Titanium, 5th Floor, Western Express Highway, Goregaon (E), Mumbai - 400 063. Toll Free No. : 1800-2670-189 • Fax: +91 40 2331 1968 Tel. No. +91 22 6848 1000 • Toll Free No. 1800-2670-189 • Website : www.barodamf.comE-mail id: kfpl.bmfnct@kfintech.com Email: info@barodamf.com

Unitholders’ Information Allotment

Allotment will be completed within 5 Business Days from the closure of the NFO.

Account statement

(a) Units in physical mode

Investors opting to subscribe to / hold units in physical form, whether by way of a normal purchase or SIP / STP, will be sent, (i) by way of an e-mail and/or an sms to their registered e-mail address and/or mobile number, an allotment confirmation, as soon as possible but not later than 5 Business Days from the date of allotment / date of acceptance of the request for subscription, and (ii) a CAS, as mentioned in ‘Consolidated Account Statement (CAS)’ below.

(b) Units in demat mode

(i) Investors opting to subscribe to / hold Units in Demat form will be issued Units in Demat form, which will be credited to their demat account.

(ii) The AMC shall issue Units in Demat form to a Unit Holder of the scheme within two working days of the receipt of request from the said Unit Holder.

For investors who hold Units in dematerialized form, a demat statement shall be provided by the DP in such form and in such manner and at such time as provided in the agreement with the beneficial owner.

Consolidated Account Statement (CAS)

(i) On acceptance of an application for subscription or allotment of Units (including by way of SIP, STP, switch, bonus Units and reinvestment of dividends), an allotment confirmation specifying the number of Units allotted will be sent by way of an email and/or an SMS, within 5 Business Days from the date of receipt of the application, to the Unit Holder’s registered e-mail address and/or mobile number.

(ii) Thereafter, the Unit Holder will be sent, on or before the 10th of the immediately succeeding month, by way of a mail / an e-mail, a CAS, containing the details of the transaction mentioned above as well as details of all other transactions effected by the Unit Holder across schemes of all mutual funds during the preceding month, including his/her/its holdings at the end of the said month and details of transaction charges paid to distributors, as applicable. Investors may note that CAS will be issued on a monthly basis to all investors in whose folios transactions have taken place during the month concerned.

(iii) For the purpose of sending CAS, common investors across mutual funds shall be identified by their PAN.

(iv) For those investors / Unit Holders who have provided an e-mail address, CAS will be sent by way of an e-mail.

(v) In case of a specific request received from a Unit Holder for a separate account statement, the AMC/Fund will provide such an account statement to the Unit Holder concerned, within 5 Business Days from the receipt of the request.

(vi) In the event of inability to send CAS, for any reason whatsoever, or on receipt of specific requests from Unit Holders/investors, the AMC will send separate account statements.

(vii) In the event of a folio having more than one registered holder, the first named Unit Holder will receive the CAS / account statement.

(viii) For folio(s) that are not updated with PAN details, it will not be possible to e-mail / mail CAS to the Unit Holders concerned. It is therefore in the interest of Unit Holders to ensure that their folios are updated with their PAN details.

(ix) In the case of a dormant investor, i.e. an investor in whose folio, no transaction has taken place during a six-month period ended March or September, a CAS detailing the investors’ holdings across all schemes of all mutual funds at the end of March or September, as the case may be, shall be sent by way of a mail / an e-mail on or before the 10th day of the month immediately succeeding the said March/September. The half yearly CAS will be sent by e-mail to Unit Holders whose e-mail address is available, unless a specific request is made by any Unit Holder to receive the CAS in physical form.

The Unit Holders who do not have Demat account shall continue to receive the Consolidated Account Statements (CAS) as per the existing practice. However, the following shall be applicable for Unit Holders having a Demat Account.

How is Baroda Banking & PSU Bond Fund different from the existing debt schemes of Baroda Mutual Fund?The investment objectives and asset allocation pattern of the existing debt schemes of Baroda Mutual Fund vis-à-vis those of Baroda Banking & PSU Bond Fund, as also the assets under management and no. of folios of the existing debt schemes are tabulated below:

Baroda Treasury Advantage Fund (scheme has one segregated portfolio)

To provide optimal returns and liquidity through a portfolio comprising of debt and money market instruments.

Money Market Instruments/ Debt Instruments such that the Macaulay duration of the portfolio is between 6 months and 12 months.

Upto 100

The scheme may invest in securitized debt up to 50% of its net assets. No investment will be made in foreign securitized debt. The scheme will have a maximum debt derivative net position of 50% of the net assets of the scheme. The scheme may invest upto 25% of its net assets in foreign securities.

Name of Scheme

Asset Allocation Pattern

Types of Instruments Normal Allocation (% of Net Assets)

Investment Objective

Assets under management as

on 31.10.2020(` In crore)

No. of foliosas on

31.10.2020

37.28(Main Portfolio)

0(Segregated

Portfolio)

4,316(Main

Portfolio)4,576

(Segregated Portfolio)

REITs and InvITs 0-10

Baroda Liquid Fund To generate income with a high level of liquidity by investing in a portfolio of money market and debt securities.

Debt Instruments 0-25

* No investment will be made in foreign securitized debt. The scheme will invest in debt derivatives upto 50% of its net assets. The scheme shall make investments in/purchase debt and money market securities with maturity of up to 91 days only. Also, inter scheme transfers of securities with maturity of up to 91 days only can be done from other schemes into this scheme.

3,042.90 5,793

Money Market instruments 75-100

Securitized Debt* 0-25

Baroda Short Term Bond Fund

To generate income from a portfolio constituted of short-term debt and money market securities.

Debt and money market instruments such that the Macaulay duration of the portfolio is between 1 year and 3 years.

Upto 100

The scheme may invest in securitized debt up to 25% of its net assets. No investment will be made in foreign securitized debt. The scheme will invest in debt derivatives upto 50% of its net assets. The scheme may invest upto 25% of its net assets in foreign securities.

579.64 5,326

Investment in REITs and InvITs 0-10

Baroda Conservative Hybrid Fund

To generate regular income through investment in debt and money market instruments and also to generate long-term capital appreciation by investing a portion in equity and equity related instruments.

Equity & Equity related securities 10-20

* No investment will be made in foreign securitized debt. The value of derivatives contracts outstanding will be limited to 50% of the scheme's net assets. The scheme may invest upto 25% of its net assets in foreign securities.

26.48 3,266

Money Markets instruments, Debt Securities 75-90

REITs and InvITs 0-10

Securitized debt* Upto 50%

Baroda GILT Fund To generate regular income investing in a portfolio of government securities.

Government of India, State Government Dated securities and T-Bills 80-100 30.47 6,530

Debt and Money Market Instruments (including securitized debt and foreign securities)

Baroda Dynamic Bond Fund

To generate returns with liquidity by dynamically managing the portfolio through interest rate cycles

Debt and Money Market Instruments across duration Upto 100 21.30 7,321

REITs and InvITs 0-10

Investment in derivatives may be made up to 50% of the net assets of the scheme. The scheme may invest in securitized debt up to 50% of its net assets. The scheme may invest upto 25% of its net assets in foreign securities.

6

• Investors having MF investments and holding securities in Demat account shall receive a single Consolidated Account Statement from the Depository.

• Consolidation of account statement shall be done on the basis of PAN. In case of multiple holding, it shall be PAN of the first holder and pattern of holding.

• The CAS shall be generated on a monthly basis. In case there is no transaction in any of the mutual fund folios and demat accounts then CAS with holding details shall be sent to the investor on half yearly basis.

• If there is any transaction in any of the Demat accounts of the investor or in any of his mutual fund folios, Depositories shall send the CAS within ten days from the month end.

The expression, ‘transaction’, includes purchase, redemption, switch, dividend payout, dividend reinvestment, SIP, SWP, STP and bonus transactions.

Portfolio disclosure

The AMC shall disclose the portfolio (along with ISIN) as on the last day of the month / half-year for all its schemes other than debt schemes on its website (www.barodamf.com) and on the website of AMFI (www.amfiindia.com) within ten days from the close of each month / half year respectively in a user-friendly and downloadable spreadsheet format. The portfolios of debt schemes of the Mutual Fund shall be disclosed on a fortnightly basis within 5 days of every fortnight, in the prescribed format along with yield of the instrument.

In case of Unit Holders whose e-mail addresses are registered, the Mutual Fund / AMC shall send via e-mail both the monthly and half-yearly statement of scheme portfolio within 10 days from the close of each month / half-year respectively. In case of debt schemes, such information shall be sent to the Unit Holders via e-mail within 5 days of every fortnight.

The Mutual Fund / AMC shall publish an advertisement every half-year, in the all India edition of at least two daily newspapers, one each in English and Hindi, disclosing the hosting of the half-yearly statement of its schemes portfolio on its website and on the website of AMFI and the modes such as SMS, telephone, e-mail or written request, through which a Unit Holder can submit a request for a physical or electronic copy of the statement of scheme portfolio.

The Mutual Fund / AMC shall provide a physical copy of the statement of its scheme portfolio, without charging any cost, on specific request received from a Unit Holder.

Half Yearly Financial Results

The Mutual Fund/ AMC shall, within one month of the close of each half year, that is on 31st March and on 30th September, host a soft copy of its unaudited financial results on the AMC’s website. The AMC shall publish an advertisement disclosing the hosting of such financial results on its website, in at least one English daily newspaper having nationwide circulation and in a newspaper having wide circulation published in the language of the region where the head office of the Fund is situated. Necessary link to this shall be provided on the AMFI website.

Annual Report

The scheme-wise annual report of the Mutual Fund or an abridged summary thereof, shall be provided to all Unit Holders not later than four months (or such other period as may be specified by SEBI from time to time) from the date of closure of the relevant accounting year (i.e. 31st March each year).

The scheme-wise annual report shall be hosted on the website of the Mutual Fund / AMC (www.barodamf.com) and on the website of AMFI (www.amfiindia.com). In case of Unit Holders whose e-mail addresses are registered with the Mutual Fund, the scheme-wise annual reports or abridged summary thereof shall be e-mailed to such Unit Holders. The Mutual Fund / AMC shall provide a physical copy of the abridged summary of the Annual Report, without charging any cost, on specific request received from a Unit Holder.

The Mutual Fund / AMC shall publish an advertisement in the all India edition of at least two daily newspapers, one each in English and Hindi, every year disclosing the hosting of the scheme-wise annual report on its website and on the website of AMFI and the modes such as SMS, telephone, e-mail or written request, through which a Unit Holder can submit a request for a physical or electronic copy of the scheme-wise annual report or abridged summary thereof.

The full Annual Report shall be available for inspection at the Head Office of the Mutual Fund and a copy thereof shall be made available to the Unit Holders on request.

Date: November 17, 2020

7

Baroda Credit Risk Fund (scheme has one segregated portfolio)

To generate returns by investing in debt & money market instruments across the credit spectrum.

Investment in corporate bonds (only AA * and below related corporate bonds@) 65-100

* excludes AA+ rated corporate bonds.@ Including corporate debt / structured obligations having short term rating, but long term rating as AA and below, or no long term rating. For the sake of clarity, the long term rating of such instruments would be considered. In case where two or more credit ratings are available for an instrument, the lower rating of the instrument will be considered. The fund manager may also invest in unrated debt securities, which the fund manager believes to be of equivalent quality.Investment in derivatives may be made upto 50% of the net assets of the scheme. The scheme may invest in securitized debt upto 50% of its net assets. The scheme will not invest in foreign securitized debt. The scheme may invest upto 25% of its net assets in foreign securities.

238.70(Main

Portfolio)0

(Segregated portfolio)

7,086(Main

Portfolio)9,766

(Segregated portfolio)

Investment in debt and money market instruments, 0-35

Investment in REITs and InvITs 0-10

Baroda Ultra Short Duration Fund

To generate regular income by investing in a portfolio of debt and money market instruments such that the Macaulay duration of the portfolio is between 3 months - 6 months. However, there can be no assurance that the investment objective of the scheme will be realized.

Debt Instruments* 0-80

*The scheme may invest upto 50% in securitized debt. No investment will be made in foreign securitized debt. The scheme may invest in debt and money market instruments such that the Macaulay duration of the portfolio is between 3 months – 6 months (please refer to page no. 33 of the SID).The scheme may take derivatives position based on the opportunities available subject to the guidelines issued by SEBI from time to time and in line with the overall investment objective of the scheme. These may be taken to hedge the portfolio, rebalance the same or to undertake any other strategy as permitted under the SEBI Regulations. Exposure to fixed income derivative instruments will be restricted to 50% of the net assets of the scheme.The scheme may invest in Foreign Securities upto 25% of its net assets subject to maximum of US$ 300 million in the aggregate at the Mutual Fund level.The scheme shall not invest in equity-linked debentures. The cumulative gross exposure through debt and derivative positions shall not exceed 100% of the net assets of the scheme

267.80 873

Money Market instruments 20-100

Investment in REITs and InvITs 0-10

Baroda Money Market Fund

To prov ide reasonab le re turns , commensurate with low risk while providing a high level of liquidity, through investments made in money market instruments.

Money Market instruments Upto 100%

The Scheme will not have any exposure to debt derivatives, securitized debt, REITs and INViTs and foreign securities. In addition to the instruments stated in the above table, the Scheme may enter into reverse repos in government securities as may be permitted by SEBI and RBI. The Scheme will not invest in repos in corporate debt. A part of the net assets may be invested in Triparty Repo or in an alternative investment as may be provided by RBI to meet the liquidity requirements.

23.03 116

Baroda Overnight Fund

The primary objective of the Scheme is to generate returns, commensurate with low risk and providing high level of liquidity, through investments made primarily in overnight securities having maturity of one business day.However, there is no assurance that the investment objective of the Scheme will be realized.

Debt and Money Market instruments* with maturity upto one business day Upto 100%

* Includes MIBOR linked instruments with daily put and call options with residual maturity not greater than one business day, Tri-party Repo / reverse repo. The Scheme may invest in liquid schemes of mutual funds for overnight deployment in line with its investment objective and in accordance with the applicable extant SEBI (Mutual Funds) Regulations as amended from time to time. The Scheme may participate in Bills Re-Discounting (BRDS) issues by banks, in line with the investment objective of the Scheme. The Scheme may undertake repo transactions in corporate debt securities in accordance with the directions issued by SEBI / RBI from time to time and in line with the policy approved by the Board of Directors of the AMC and Trustee Company.The Scheme will not have any exposure to debt derivatives, securitized debt, REITs and INViTs and foreign securities. The Scheme shall not invest in Credit Default Swaps.

249.17 288

How is Baroda Banking & PSU Bond Fund different from the existing debt schemes of Baroda Mutual Fund? (Contd.)The investment objectives and asset allocation pattern of the existing debt schemes of Baroda Mutual Fund vis-à-vis those of Baroda Banking & PSU Bond Fund, as also the assets under management and no. of folios of the existing debt schemes are tabulated below:

Name of Scheme

Asset Allocation Pattern

Types of Instruments Normal Allocation (% of Net Assets)

Investment Objective

Assets under management as

on 31.10.2020(` In crore)

No. of foliosas on

31.10.2020

CHECKLIST OF DOCUMENTS TO BE ENCLOSED WITH APPLICATION FORM (AS APPLICABLE, REFER INSTRUCTIONS)

DocumentsCompany /

Body Corporates

Trusts SocietiesPartnership

FirmsHUF

NRI* / Individual

#FPIsInvestment

Through Const. Attorney

ProprietorSr. No.

* Non-resident are not required to obtain Aadhaar. #Copy of SEBI registration certificate should be provided.

1. Certificate of Incorporation / Registration ü ü ü ü ü

2. Resolution / Authorization to invest ü ü ü ü ü ü

3. Authorized Signatory List ü ü ü ü ü ü

4. MoA & AoA ü

5. Trust Deed ü

6. Bye Laws ü

7. Partnership Deed / Deed of Declaration ü ü

8. Notarized Power of Attorney ü

9. PAN Proof ü ü ü ü ü ü ü ü ü

10. KYC Acknowledgment ü ü ü ü ü ü ü ü ü

11. Latest Bank Passbook/ Bank Account Statement/ Cancelled Cheque ü ü ü ü ü ü ü ü ü

12. FACTA / CRS ü ü ü ü ü ü ü ü ü

13. UBO Declaration ü ü ü ü ü ü ü

I. GENERAL INSTRUCTIONS :

1. Please read the Combined Scheme Information Document Equity (“SID”), Statement of Additional Information (“SAI”) and Key Information Memorandum (“KIM”), containing the terms of offer, carefully, before investing.

It must be understood clearly that you are deemed to have accepted the terms, subject to which this offer is being made and bind yourself to the terms upon signing the Application Form and tendering payment.

2. Please fill up the Application Form in English in BLOCK LETTERS, using black or dark blue ink.

3. Please strike out any section of the Application Form that is not applicable to you. Wherever tick boxes have been provided in the Application Form, please tick the appropriate box, as applicable to you. Please ensure that correction/cancellation of any of the mandatory information is countersigned by all applicants.

4. Please ensure that you provide all requisite details and all supporting documents, as applicable to you.

5. Please note that Application Forms (i) which are incomplete, or (ii) which have any over writing on any field without the counter signature of all applicants, or (iii) which are invalid/ambiguous/not accompanied by necessary supporting documents, or (iv) not accompanied by a payment instrument or an account-to-account transfer instruction for the amount payable, or (v) which the Trustee to Baroda Mutual Fund (“Fund”) may choose to reject for any other reason determined at its sole discretion, are liable to be rejected. In such an event, the money paid will be refunded/returned to the applicant concerned, without interest. Refund under such circumstances will be made by cheques or pay order drawn on the Bankers of the Fund.

6. Applicants who have an existing folio number with the Fund are requested to mention that in the earmarked space.

II. APPLICANTS’ INFORMATION :

1. Please mention your name in full, without any abbreviation. Write your name exactly as it appears in your Aadhaar Card, or in the incorporation document, as the case may be. In case units are applied for in electronic mode (demat mode), please write your name exactly in the same manner as it appears in the records of the depository.

2. If the investment is on behalf of a minor, please keep the following points in mind while filling up the Application Form:

• The minor shall be the sole holder in the account (joint holding is not permissible) and nomination facility shall not be available. Details of joint holders and nomination, even if mentioned, will not be considered.

• The guardian of the minor shall be a natural guardian (i.e. father or mother) or a court appointed legal guardian.

• Details such as the minor’s name and date of birth, guardian’s relationship with the minor, guardian’s name, PAN and KYC etc. are mandatory, along with supporting documents. Photo copy of a document evidencing the date of birth of minor such as birth certificate or school leaving certificate or passport or any other suitable proof should be enclosed with the Application Form.

• Where the guardian is a court appointed legal guardian, suitable supporting documentary evidence should be provided.

• If the mandatory details and/or documents are not provided, the application is liable to be rejected.

3. In case of payment by cheque, please write the Applicant's name and the Application Serial Number on the reverse of the cheque.

4. Please mention the Pin Code in the Address column. In case the PIN Code is not mentioned, all correspondence will be sent by registered / ordinary post.

5. All communication and/or payments will be made to the sole/first applicant.

6. It shall be mandatory to provide the mobile number. In case of joint holder, mobile number of the first holder is required to be mentioned.

7. 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. For HUFs, the Karta should sign on behalf of the HUF. For partnership firms, a partner should sign on behalf of the firm. Similarly, for an Association of Persons or a company, the Application Form must be signed by the Authorised Signatory/Signatories, as applicable.

8. Only individual(s) can make nomination. Please refer Instruction VII for further details regarding nomination.

9. Where units are held in the names of two or three persons, such persons shall be deemed to hold the units on a first holder basis. In case of HUF/ Partnership Firm/AoP/Company etc., no joint holding will be considered. All tax exemptions can be availed of only by the first holder, in case of additional holdings. Please note that if you do not mention the mode of holding in the Application Form, it will be deemed to be “joint”.

10. In case of applications under a Power of Attorney (“PoA”) or by a limited company or by a body corporate or Eligible Institution or a registered society or a trust or a fund, the original PoA or a certified true copy thereof, duly notarized, and the relevant resolution or authority to make the application, as the case may be, including authority granted in favour of the officials signing the Application Form and their specimen signature or duly certified true copies thereof, along with a certified true copy of the Memorandum and Articles of Association and/or bye-laws and/or trust deed and/or partnership deed as well as the certificate of registration, must be lodged at the office of the Registrar, quoting the serial number of the Application Form simultaneously with the submission of the Application Form, failing which the said Form is liable to be rejected.

11. Any application without broker code will be treated as a ‘Direct Investment’.

12. Any subsequent changes in static information such as address, bank details, sub-option etc. will be based on written communication from investors. These changes will be effected within 5 days of the valid signed request reaching the office of the Registrar KFin Technologies Private Limited (“Registrar”) at Hyderabad, and any interim financial transactions will be effected with last available/registered details only.

13. All allotments will be provisional, subject to realisation of payment instrument and subject to Baroda Asset Management India Limited (“AMC”) having been reasonably satisfied that the Fund has received clear funds. Any redemption or switch-out transaction in the interim is liable to be rejected at the sole discretion of the AMC.

III. BANK ACCOUNT DETAILS :

1. SEBI regulations have made it mandatory for applicants/investors to mention their bank account numbers in their purchase applications/requests for redemptions. Please provide the full particulars of the Bank Account of the sole/first applicant, such as nature of Account, Account Number, 9 digit MICR Code Number (for Electronic Credit Facility), branch address of the bank etc. in the appropriate space

in the application Application Form. Please provide the MICR code / IFSC code to help you in future for ECS / NEFT credit of redemption payouts. Please attach a copy of a cancelled cheque leaf. Application forms (and redemption requests) without the mandatory bank details are liable to be rejected.

2. Redemption proceeds and dividends will be (i) despatched by a reasonable mode of despatch such as courier, registered post, ordinary post/UCP etc. in case the payment is made by cheque or (ii) directly credited to the first applicant/holder’s Bank Account (as per the details mentioned by the investor) in case the applicant(s) avail of the direct credit facility, RTGS or NEFT, and this shall be entirely and solely at the risk of the applicant(s).The applicant(s) will not hold the Fund or the AMC or the Registrar or the Trustee to the Fund responsible for any non-receipt or delay of receipt of redemption proceeds or dividends due to any negligence or deficiency in service by the courier company, postal authorities or the bank executing the direct credit/RTGS/NEFT, or due to incorrect bank account details provided by the applicant(s).

3. Multiple Bank Accounts Registration Facility and Updation of Bank Accounts :

• The Fund offers its investors the facility to register multiple bank accounts for pay-ins &pay-outs and designate one such registered bank account as “Default Bank Account”. Individuals, HUFs and sole proprietary firms can register upto five bank accounts and a non-individual investor can register upto ten bank accounts in a folio. You may avail of this facility by using the “Multiple Bank Accounts Registration Form”, available at ISCs and on the website of the AMC, www.barodamf.com. You may update the bank accounts in your account/folio at any time either through the aforesaid Multiple Bank Accounts Registration Form or through a standalone separate Change of Bank Mandate form. You may download the multiple Bank Form from our website www.barodamf.com.

• If no “Default Bank Account” is specified, the AMC reserves the right to designate any of the bank accounts as the ‘Default Bank Account’. Default Bank Account will be used for all redemption payouts, if no other registered bank account is specified in the redemption request for receiving redemption proceeds, or if a new unregistered bank account is specified in the redemption request for receiving redemption proceeds.

• New bank accounts/change of bank mandate can be registered using the Multiple Bank Accounts Registration Form or through a standalone separate Change of Bank Mandate form, as mentioned earlier. In case a Unit holder provides a new and unregistered bank mandate or a change of bank mandate request along with a specific redemption/dividend payment request (with or without necessary supporting documents), such bank account will not be considered for payment of redemption/dividend proceeds. The Proceeds of such a redemption/dividend payment request will be sent only to the bank account that is already registered and validated in the folio at the time of processing of the transaction. Please note that any payments to any unregistered bank account or a new bank account forming part of redemption request shall not be entertained or processed.

• For any request for change of bank mandate/registering a new Bank account using the Multiple Bank Accounts Registration Form or a standalone Change of Bank Mandate form, please enclose, in respect of the new Bank Account:

• An original cancelled cheque leaf of the new Bank account, with the first applicant's / unit holder's name and Bank account number printed on the face of the cheque OR

• An original cancelled cheque of the New Bank Account without printed name AND Bank Account number and one of the following:

• A latest original Bank statement;

• The original Bank passbook with current entries not older than 3 months;

• An original letter duly signed by the branch manager/authorized personnel of the Bank.

If photocopy of any document is submitted, the copy should be certified by the Bank, or the original should be produced for verification.

In addition to the above, the AMC may require, in respect of the existing bank mandate which is undergoing a change on account of registering the new bank account, any one of the following documents:

• An original cancelled cheque with the first unit holder’s name and bank account number printed on the face of the cheque;

• A latest original copy of bank statement/passbook (if photocopy is submitted, it has to be certified by the Bank, or the original has to be produced for verification);

• Original letter issued by the bank on the letterhead, confirming the bank account holder with the account details, duly signed and stamped by the branch manager or

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

Please note that any request without the necessary documents will be treated as invalid and will not be acted upon, and any financial transaction, including redemption, will be carried out with the previously registered details only.

• Valid change of bank mandate requests with supporting documents will be processed within ten days of the documents reaching the head office of the Registrar, and any financial transaction request received in the interim will be carried out based on the previously registered details. Please note that a new unregistered bank account specified in any redemption request for receiving redemption proceeds will not be considered.

• If you are a first-time investor, the bank account mentioned in the Application Form will be treated as the default bank account, unless a separate request (Multiple Bank Accounts Registration Form) to register multiple bank accounts and to use any one of those registered bank accounts as the default bank account is submitted by the investor.

• Registered bank accounts may also be used for verification of pay-ins (i.e. receiving subscription funds) to ensure that a third-party payment instrument is not used for subscription. The default bank account will be used for all redemption payouts, unless the Unit holder(s) specifies/specify one of the existing registered bank accounts in the redemption request for receiving redemption proceeds. However, in case Unit holder(s) does/do not specify the default account, the Fund reserves the right to designate any of the registered bank accounts as the default bank account.

4. If you opt to hold units in demat mode, please provide bank account details linked with your demat account. In case of any discrepancy, the details as per the depository will prevail.

IV. KNOW YOUR CUSTOMER (KYC) AND PERMANENT ACCOUNT NUMBER (PAN) COMPLIANCE :

1. PAN :

• SEBI has made it mandatory for all applicants (in the case of application in joint names, each of the applicants) to mention their PAN, irrespective of the amount of purchase.

• Where the applicant is a minor and does a not possess his / her own PAN, he / she shall quote the PAN of his/ her father or mother or the court appointed legal guardian, as the case may be.

INSTRUCTIONS FOR FILLING UP THE APPLICATION FORM

• In order that the AMC/Registrar may verify that the PAN of the applicants (in case of application in joint names, each of the applicants) has been correctly quoted in the Application Form, please attach along with the Application Form, a photocopy of the PAN card self-certified, or provide the original PAN Card for verification. The original PAN Card will be returned immediately across the counter after verification.

• Applications (i) by investors residing in the state of Sikkim, (ii) by officials appointed by courts such as official liquidator, court receiver etc. and (iii) for subscription by the Central Government and/or a State Government are exempt from the mandatory requirement of PAN, however sufficient documentary evidence shall have to be submitted to enable verification that they are residents of the state of Sikkim. Investors (being individuals) applying for Micro SIP registrations are exempt from mandatory requirement of PAN submission. Such set of customers, however, need to complete the necessary KYC requirements, and get a unique reference number from the KRA’s system called PAN Exempt KYC Reference No. (PEKRN).

A copy of the KRA issuance letter containing PEKRN should be attached with each application/ transaction.

• In the event of any Application Form being subsequently rejected for mismatch of applicant's PAN details with the details on the website of the Income Tax Department, the investment transaction will be cancelled and the amount may be redeemed at the applicable NAV, subject to levy of exit load, if any. Please contact any of the Investor Service Centres / Registrar / Distributors or visit our website, www.barodamf.com, for further details.

2. KYC :

• To simplify KYC norms and make them more investor friendly and uniform across all intermediaries registered with SEBI, SEBI has recently laid down certain changes in the KYC process. The primary objective behind this is to eliminate duplication of KYC across intermediaries in the securities market. For this purpose, KYC registration is being centralized through KYC Registration Agencies (“KRA”) registered with SEBI. Thus, each investor has to undergo a uniform KYC process only once in the securities market and the details would be shared with other intermediaries by the KRAs. CDSL Ventures Ltd. (“CVL”), who was retained by mutual funds for centralized registration and record keeping of KYC records, has obtained SEBI registration as a KRA. Further, SEBI has mandated an In Person Verification (“IPV”) of clients to be carried out as part of KYC. IPV shall be a one-time process, and once it is carried out by an intermediary, may be relied upon by other intermediaries also. For mutual funds, IPV may be carried out by the AMC or by the Registrar, or by Know Your Distributor (“KYD”) compliant distributors who hold valid certifications issued by the National Institute of Securities Market (“NISM”)/ Association of Mutual Funds in India (“AMFI”) for their own clients or by Scheduled Commercial Banks (SCB).

• Under the new uniform KYC norms, the following shall be applicable for investing in the Scheme under this KIM :

1. For New Investors who are not KYC compliant under the erstwhile or new KYC norms:

a. KYC Application Form to be used, which is attached along with the application.

b. IPV/ Document verification to be done by the Registrar/AMC/KYD compliant distributors/SCBs.

c. Acknowledgement to be issued to the investor to facilitate subsequent investments from the investor.

d. KYC application and necessary documents should either come along with a financial transaction or when the account is opened. This is in line with demat and bank account opening process.

2. For New Investors who have already done their KYC with any other SEBI registered intermediary under the new KYC norms: a. Such KYC compliant investors would not be required to do KYC again.

3. For Existing Investors in the MF Industry: They will not be required to do KYC again.

• Investors who have completed their Centralised KYC (CKYC) and have obtained KYC Identification Number (KIN) from the Central KYC Records Registry (CKYCR), may quote their KIN while investing.

• KYC compliance with a KRA and enclosing the KYC Acknowledgement along with the Application Form are mandatory for all investors, including individuals, non-individuals, NRIs and channel investors, irrespective of the amount of application/value of transaction. Applicants applying for units through a PoA must ensure that the KYC Acknowledgement of both the issuer of the PoA and the holder of the PoAare enclosed along with the Application Form. The KYC Acknowledgement referred above will be issued by the KRA when an investor submits to the KRA, a KYC application and the prescribed documents. This KYC Acknowledgement is issued by the KRA as a token of having verified the identity and address of the investor(s) and for efficient retrieval of records.

• KYC status will be validated with the records of the KRA before allotting units. The Fund/AMC will not be held responsible and /or liable for rejection of KYC Form by the KRA. Where it is not possible to verify the KYC compliance status of the investor at the time of allotment of units, the Registrar/AMC/Trustee shall verify the KYC compliance status of the investor within a reasonable time after the allotment of units. In the event of non-compliance of KYC requirements, the Trustee / AMC reserves the right to freeze the folio of the investor(s) and effect mandatory redemption of unit holdings of the investors at the applicable NAV, subject to levy of exit load, if any. In case of an investor applying for CKYC effective February 1, 2017, if there is a mismatch in the name appearing in the CKYC application form and the one mentioned in the Proof of Identity (POI) document, CERSAI will reject the CKYC application. Investors are, therefore, advised to ensure that their names appearing in the CKYC application form and in the POI document are same.

• Please note that you need to comply with the KYC requirements by submitting requisite documents to the Registrar/AMC/Fund or any SEBI registered KRA and attaching the KYC Acknowledgement with the Application Form. For more information, please log on to www.cvlindia.com / www.amfiindia.com, before investing.

Applications are liable to be rejected if KYC requirements are not complied with by all the applicants, and if KYC acknowledgement is not enclosed with the Application Form.

Please note that KYC applicability norms for various investor categories may change anytime in future. Hence, with a view to avoiding rejections, investors are requested to apprise themselves about KYC applicability before submitting their transactions.

V. INTIMATION TO INVESTORS :

Please note the following with respect to intimation to investors / unit holders regarding change of any request / rejection of such request:

• For any change or rejection of any request such as bank mandate, address etc., you may be intimated by way of letters or, if registered with the AMC/Fund, by way of emails and/or SMS.

• On receipt of any request for change of address or bank accounts, the AMC/Registrar will carry out necessary changes in the records, and send you an intimation letter to your old and new addresses, besides an intimation via e-mail and/or sms, if registered with the AMC/Fund.

• In case your request for change of address is rejected of due to any reason such as signature difference, the rejection intimation letter shall be sent to your old and new addresses, as well as via email and/or sms, if registered with the AMC/Fund.

• In case you have submitted a request for change of email ID or mobile number, the change intimation will be sent to your old and new email IDs and/or mobile numbers.

VI. INVESTMENT DETAILS AND PAYMENT PROCEDURE :

1. Please mention the Option (Dividend/Growth) and Sub-Option (Reinvestment) you would like to invest in. In case you do not mention the Option, Growth Option will be deemed to be the default Option and units will be allotted to you under this Option.

2. Payment may be made by MICR cheque drawn on/made payable at all such places where Investor Service Centers (“ISC”) are located and mailed to the nearest ISC. The Cheque must be drawn in the name of the scheme and crossed "ACCOUNT PAYEE & NOT NEGOTIABLE". Further, in order to avoid fraud and prevent misuse of payment instruments, investors are advised to draw payment instrument (i.e. cheque, pay order etc.) favouring either name of scheme - <Name of the First Investor>” or name of scheme - <Permanent Account Number of the First investor>” or name of scheme - <Folio number>”.

3. In case of subscription by NRIs/ FIIs, in case the payment is made through Indian Rupee drafts purchased abroad or from FCNR or NRE Accounts, an Account Debit Certificate from the bank issuing the draft, confirming the debit should be submitted. For subscription made through NRE/ FCNR account cheques, the Application For must be accompanied by a photocopy of the cheque or Account Debit letter/Certificate from the banker.

4. Overseas Corporate Bodies, i.e. firms & societies which are held directly or indirectly but ultimately to the extent of at least 60% by NRIs & trusts, in which at least 60% of the beneficial interest is similarly held irrevocably by such persons, shall not be allowed to invest in the Scheme.

5. Subscription by Multilateral Funding Agencies, on full repatriation basis, is subject to approval by the Foreign Investment Promotion Board.

6. Application Form (duly completed), along with a cheque (drawn on the nearest ISC/ transaction acceptance centre)/ may be sent by mail directly to the nearest ISC / transaction acceptance centre, or at Hyderabad may be sent to the Registrar, viz. KFin Technologies Private Limited, Karvy Selenium Tower B, Plot number 31 & 32, Financial District, Nanakramguda, Serilingampally Mandal, Hyderabad - 500 032.

7. Please note the following points before submitting the Application Form at any of the collection centres.

i) Stock invests, outstation cheques, post-dated cheques, post-dated account-to-account transfer instructions, money orders and postal orders will not be accepted and Application Forms accompanied by such payment instruments are liable to be rejected.

ii) Cheques once returned in clearing will not be presented again, and the accompanying Application Form may not be considered for allotment.

8. The right to accept or reject any application in whole or in part lies with the Trustee to the Fund.

9. Third Party Payments -

• A payment towards subscription by cheque /RTGS/NEFT or any mode whatsoever is regarded as a ‘Third Party’ payment, if the payment is issued from a bank account other than that of the beneficiary investor. In order to safeguard the interests of applicants and avoid fraudulent transactions in any other name, the Fund does not generally accept Third Party Payments. The first applicant has to be one of the joint holders of the bank account from which the payment is made via cheque/Funds transfer/RTGS/NEFT. Therefore, please mention the bank account number, bank name & branch address from where the payment is issued and ensure that they match with details on the payment instrument, where applicable.

• Where the payment instrument does not mention the bank account holder’s name(s), please attach bank pass book copy/bank statement (showing the account number, account holder’s name and address)/bank letter (mentioning details like bank account number, branch address, account type etc.), with a view to substantiating that the first applicant is one of the joint holders of the bank account concerned.

• In case of RTGS, NEFT, ECS, bank transfer etc., please submit an acknowledged copy of the instruction to the bank stating the account number to be debited.

• In specific and exceptional situations where Third Party payments are permitted, such as (i) payment by parents / grand parents / related persons* on behalf of a minor (other than by a registered guardian) in consideration of natural love and affection or as gift for value not exceeding ̀ 50,000 for each purchase or (ii) payment by a custodian on behalf of an FII or a client, and (iii) payment by an employer on behalf of employees, KYC of the investor and KYC of the person making the payment are both mandatory, irrespective of the amount. Additionally, a joint declaration is also required to be submitted. *‘Related Person’ means any person investing on behalf of a minor in consideration of natural love and affection or as a gift.

• The AMC reserves the right to reject the Application Form, or call for additional details, if the payment bank account and other details are not mentioned on the Application Form and/or do not match with the payment instrument and/or necessary documents and declaration, as applicable to respective investors and transactions, are not attached or are insufficient. In case the funds are transferred to the Scheme account prior to the rejection of the Application Form, the amount transferred may not be refunded or redeemed unless the investor establishes KYC with additional documentation.

• Investors are advised to visit www.barodamf.com for more details, including the formats.

10. Please note that:

(i) Regular Plan is meant for investors who route their investments through distributors only.

(ii) Direct Plan is meant for direct investments, i.e. for investors who purchase/subscribe to the units of the Scheme directly with the Fund, and is not available for investors who route their investments through a Distributor.

Both Plans will have a common portfolio, but Direct Plan will have a lower expense on account of absence of brokerage and commission. Hence both plans will have distinct NAVs.

VII. NOMINATION :

1. Nomination is mandatory where the mode of holding is single. Hence, Application Forms for sole applicants, without nomination, are liable to be rejected. Nomination can be made only by individuals applying for/holding units on their own behalf singly. Even those investors who do not wish to nominate must sign separately confirming their intention to not nominate. Where the mode of holding is joint, nomination is not mandatory; however a separate declaration indicating the wish not to nominate shall be given.

INSTRUCTIONS FOR FILLING UP THE APPLICATION FORM (CONTD.)

2. Nomination shall not be permitted if the investment is on behalf of a minor. However, minors can be nominated and in that event, the name, address & signature of the guardian of the minor nominee(s) shall be provided by the applicant.

3. The Nominee shall not be a trust, society, body corporate, partnerships firm, member of Hindu Undivided Family or a Power of Attorney holder. A nonresident Indian can be a nominee, subject to the policy of exchange control for the time being in force.

4. Nomination in respect of the units stands rescinded upon transfer / transmission / switch-over of units.

5. Transfer of units in favour of Nominee(s) shall be valid discharge by the AMC against the legal heirs, executors, administrators, etc.

6. Cancellation of nomination can be made only by those individuals who hold units in their own name, either solely or jointly, and who have originally made the nomination.

7. On cancellation of nomination, the nomination shall stand rescinded and the AMC shall not be under any obligation to transfer the units in favour of the nominee(s).

8. The rights in the units will vest in the nominee(s) only upon the death of all Unit Holders.

9. Nomination can be made in favour of a maximum of three nominees. In case of multiple nominees, the percentage of the allocation/share should be in whole numbers (without any decimals), making a total of 100%.In the event of the applicants not indicating the percentage of allocation/share for each of the nominees, the AMC, by invoking the default option, will settle the claim equally amongst all the nominees.

10. Nomination will maintained at the folio / account level and will be applicable for all investments in that folio or account.

11. Where a folio has joint holders, all joint holders shall sign the request for nomination, even if the mode of holding is not “joint”.

VIII. TRANSACTION CHARGE :

The following transaction charges shall be applicable:

(i) Nil on subscription amounts of less than ̀ 10,000/-;

(ii) ` 100/- on every subscription of ̀ 10,000/- and above for an existing investor in mutual funds;

(iii) ` 150/-* on a subscription of ̀ 10,000/- and above for an investor investing in mutual funds for the first time.

(iv) For SIP, transaction charges will be recovered in 4 installments

*In the case of any applicable transaction, where the AMC/Fund/Registrar is unable to identify whether the investor concerned is a first-time investor in mutual funds, ̀ 100/- will be charged as transaction charge.

The transaction charges referred to in (ii) and (iii) above will be payable only for transactions done through a distributor who has opted to receive the transaction charge.

IX. EMPLOYEE UNIQUE IDENTIFICATION NUMBER :

SEBI circular dated September 13, 2012 has directed AMCs to capture in the Application Form, in addition to the AMFI Registration Number (ARN) of the distributor, the Unique Identity Number (EUIN) of the employee/relationship manager/sales person of the distributor who has interacted with the investor concerned for the sale of the relevant mutual fund scheme. It is mandatory to mention the EUIN in the box provided for this in the Application Form, particularly in advisory transactions, as the EUIN will assist in tackling issues relating to mis-selling even if the employee/relationship manager/sales person leaves the employment of the distributor.

X. REDEMPTION / REFUND PAYOUTS :

Baroda Mutual Fund shall credit redemption proceeds / refund payout into the investor’s account electronically, in case the IFSC Code /MICR code has been provided by the investor. An investor who purchases units through a broker / clearing member in electronic mode will receive units in his/her/its account through his/her/its broker / clearing member’s pool account. The AMC will credit the units to the broker / clearing member's pool account, and they in turn will credit the units to the investor's account. Credit of units to the broker / clearing member's pool account by the AMC shall discharge the AMC of its obligation of allotment of units to the investor. In case of Bank / Broker / Clearing Member not crediting the investors bank account with /without assigning any reason for it or if the transaction is delayed or not effected at all for reasons of incomplete or incorrect information, the investor shall not hold Baroda Mutual Fund responsible. In case the account number furnished by the investor is found incorrect, the investor shall not hold Baroda Mutual Fund responsible for the credit going to the wrong account. Further, Baroda Mutual Fund reserves the right to issue a payable at par cheque, in case it is not possible to make payment by NEFT /ECS.

XI. COMPLIANCE UNDER FOREIGN ACCOUNT TAX COMPLIANCE ACT (FATCA) :

As mentioned by SEBI in its circular no. CIR/MIRSD/2/2014 dated Aug 26, 2015, India and the United States of America (“USA”) have signed an agreement on July 9, 2015, on the terms of an Inter-Governmental Agreement (“IGA”) to implement Foreign Accounts Tax Compliance Act (“FATCA”). Further, the Organization of Economic Development (“OECD”) along with G-20 countries has released a ‘Standard for the along with G-20 countries has released a ‘Standard for Automatic Exchange of Financial Account Information in Tax Matters’ commonly known as Common Reporting Standard (‘CRS’). India is signatory to the Multilateral Competent Authority Agreement (“MCAA”) for the purposes of CRS.

The AMC / Mutual Fund is classified as “Foreign Financial Institution” under the FATCA provisions. The intention of FATCA is that the details of U.S. investors holding assets outside the U.S. will be reported by financial institutions to the United States Internal Revenue Service (IRS), as a safeguard against U.S. tax evasion. As a result of FATCA, and to discourage non-U.S. financial institutions from staying outside this regime, financial institutions that do not enter and comply with the regime will be subject to a 30% withholding tax with respect to certain U.S. source income. Under the FATCA regime, this withholding tax applies to payments that constitute interest, dividends and other types of income from the US sources. The AMC/Mutual Fund would be required to collect relevant information(s) from the investors towards FATCA / CRS compliance and report information on the holdings or investment to the relevant authorities as per the stipulated timelines.

Details under FATCA & CRS: The Central Board of Direct Taxes has notified Rules 114F to 114H, as part of the Income- tax Rules, 1962, which Rules require Indian financial institutions such as Investment Entities to seek additional personal, tax and beneficial owner information and certain certifications and documentation from all our account holders. In relevant cases, information will have to be reported to tax authorities / appointed agencies. Towards compliance, we may also be required to provide information to any institutions such as withholding agents for the purpose of ensuring appropriate withholding from the account or any proceeds in relation thereto.

Should there be any change in any information provided by you, please ensure you advise us promptly, i.e., within 30 days.

Please note that you may receive more than one request for information if you have multiple relationships with Baroda Mutual Fund or its group entities. Therefore, it is important that you respond to our request, even if you believe you have already supplied any previously requested information.

$It is mandatory to supply a TIN or functional equivalent if the country in which you are tax resident issues such identifiers. If no TIN is yet available or has not yet been issued, please provide an explanation and attach this to the form.

In case customer has the following Indicia pertaining to a foreign country and yet declares self to be non-tax resident in the respective country, customer to provide relevant Curing Documents as mentioned below:

FATCA & CRS Indicia observed (ticked)

Documentation required for Cure of FATCA/ CRS indicia

U.S. place of birth

1. Self-certification that the account holder is neither a citizen of United States of America nor a resident for tax purposes;

2. Non-US passport or any non-US government issued document evidencing nationality or citizenship (refer list below);AND

3. Any one of the following documents:

Certified Copy of “Certificate of Loss of Nationality”.

or Reasonable explanation of why the customer does not have such a certificate despite renouncing US citizenship;

or Reason the customer did not obtain U.S. citizenship at birth.

Residence/mailing address in a country other than India

1. Self-certification that the account holder is neither a citizen of United States of America nor a tax resident of any country other than India; and

2. Documentary evidence (refer list below).

Telephone number in a country other than India

If no Indian telephone number is provided

1. Self-certification that the account holder is neither a citizen of United States of America nor a tax resident of any country other than India; and

2. Documentary evidence (refer list below).

If Indian telephone number is provided along with a foreign country telephone number

1. Self-certification that the account holder is neither a citizen of United States of America nor a tax resident for tax purposes of any country other than India; OR

2. Documentary evidence (refer list below).

Telephone number in a country other than India

1. Self-certification that the account holder is neither a citizen of United States of America nor a tax resident of any country other than India; and

2. Documentary evidence (refer list below).

List of acceptable documentary evidence needed to establish the residence(s) for tax purposes:

1. Certificate of residence issued by an authorized government body*.

2. Valid identification issued by an authorized government body* (e.g. Passport, National Identity card, etc.).

*Government or agency thereof or a municipality of the country or territory in which the payee claims to be a resident.

Applicants are required to refer to the information on FATCA contained in the application form. Signing up of declaration or filling up of indicia, as applicable, is mandatory, in the absence of which, the applications are liable to be rejected.

XII.

The Ministry of Finance (Department of Revenue) in consultation with the Reserve Bank of India has made certain amendments to the Prevention of Money Laundering (Maintenance of Records) Rules, 2005, namely, the Prevention of Money Laundering (Maintenance of Records) Second Amendment Rules, 2017 (“Amended Rules”), effective June 1, 2017, which inter alia make it mandatory for investors to submit their Aadhaar number issued by the Unique Identification Authority of India (UIDAI) and other prescribed details in respect of their investments.

i. Requirements for all folios prior to June 01, 2017:

For folios existing prior to June 01, 2017, investors are required to submit the requisite details / documents, as stated above, by December 31, 2017. In case of failure by such investors, to submit the above details by December 31, 2017, the folios of such investors shall cease to be operational till the time the above details are submitted by the investors.

ii. Requirements for folios opened between June 01, 2017 and October 15, 2017:

For folios opened between June 01, 2017 and October 15, 2017, investors are required to submit the requisite details / documents, as stated above, by December 31, 2017. In case of failure by such investors, to submit the above details by December 31, 2017, the folios of such investors shall cease to be operational till the time the above details are submitted by the investors.

iii. Requirements for folios opened from October 16, 2017 to December 31, 2017:

For all folios opened from October 16, 2017 to December 31, 2017, investors are required to submit the requisite details / documents, as stated above, at the time of account opening. In case of failure by such investors, to submit the above details at the time of account opening, the AMC may, at its sole discretion, open the account pending receipt of the requisite details/ documents. In such cases where the AMC decides to open the account, if the investors fail to submit the requisite details/ documents by December 31, 2017, the folios of such investors shall cease to be operational till the time the above details are submitted by the investors.

iv. Requirements for folios opened from January 01, 2018:

For all folios opened from January 01, 2018, investors are required to submit the requisite details / documents, as stated above, at the time of account opening. No new folios shall be opened from January 01, 2018, if the requisite details / documents, as stated, are not submitted at the time of account opening.

XIII VIRTUAL PAYMENT INTERFACE (VPI)

Unified Payments Interface (UPI) is a payment system launched by National Payments Corporation of India and regulated by the Reserve Bank of India which facilitates the instant fund transfer between two bank accounts on the mobile platform. It is a quick and easy way to send and receive money using a Virtual Payment Address without entering additional bank details. Investors can use their VPAs to make investment if registered for online transactions on our website www.barodamf.com.

AADHAAR

INSTRUCTIONS FOR FILLING UP THE APPLICATION FORM (CONTD.)

Application Form for Lumpsum

BARODA BANKING & PSU BOND FUNDNFO Opens : November 27, 2020 & NFO Closes : December 10, 2020

NAME AS PER PAN CARD

Minor through guardian

Others

Resident Individual Foreign National Resident in India NRI - Non Repatriation Body Corporate

NGO Sole Proprietorship

NRI-Repatriation

Society / Club PartnershipAOPOCIPIOQFICompanyFPIsTrustHUFLLPBOI

Status of the First Applicant (Mandatory, please ü)

Please read product labeling details available on cover page and the instructions before filling up the Application Form. Tick ( ) whichever is applicable, strike out whichever is not required.P

TRANSACTION CHARGES FOR APPLICATIONS THROUGH DISTRIBUTORS ONLY (Please refer Instructions VIII)

Existing Folio Number

In case the subscription amount is 10,000/- or more and your distributor has opted to receive Transaction Charges, they are deductible, as applicable, from the purchase / subscription amount and payable to the distributor. Units will be issued against the balance amount.

`

I confirm that I am an existing investor across Mutual Funds.( 100 deductible as Transaction Charge and payable to the Distributor)`

I confirm that I am a first time investor across Mutual Funds.(` 150 deductible as Transaction Charge and payable to the Distributor)

ACKNOWLEDGEMENT SLIP (To be filled in by the investor)

Signature, Stamp & Date

Received from Mr. / Ms. / M/s.

Option (please )P Growth Dividend

along with Cheque / UTR No. D D M M Y Y Y YDated

Amount `Drawn on (Bank)

an Application for scheme

Sub-option (please )P Reinvestment

SOLE / FIRST APPLICANT'S PERSONAL DETAILS (Please fill in ALPHABETS and use one box for one alphabet, leaving one box blank between two words, as it appears in your PAN Card)

PAN

City

Pincode State Country (Mandatory)

MODE OF HOLDING Default Option: Joint JointORSingle Anyone or SurvivorOR (Please refer Instructions II)

Address [P. O. Box Address is not sufficient] (Indian address, in case of NRIs/ FPI's)

Name of the Guardian (in case First / Sole Applicant is minor) / Contact Person - Designation / PoA Holder (In case of Non-Individual Investors)

SECOND APPLICANT'S Name

THIRD APPLICANT'S Name Mr Ms

Name Mr Ms M/s

*Wherever email ID is registered, an electronic Statement of Account (e-SOA) will be shared with the investor. In case you want to receive a physical statement, please request for the same separately.Investors are advised to give their email IDs or that of their family member and not third party so that the important communication from the Fund reaches them directly and in time. This will also prevent any unintended consequences that can arise out of providing third party email ids.

Phone (Off.) Fax No. Mobile No.

Phone (Res) Email ID1*

Status (please )PEmail ID2* Dependent ParentsSelf Spouse Dependent Children

Pay-out

Mr Ms

DISTRIBUTOR INFORMATION (Only empanelled Distributors / Brokers will be permitted to distribute Units of Baroda Mutual Fund)

I/We hereby confirm that the EUIN box has been intentionally left blank by me/us as this transaction is executed without any interaction or advice by the employee/relationship manager/ sales person of the above distributor/sub broker or notwithstanding the advice of in-appropriateness, if any, provided by the employee/relationship manager/sales person of the distributor/ sub broker.

1st Applicant Signature / Guardian Signature / POA Signature / Thumb Impression 3rd Applicant Signature / POA Signature / Thumb Impression2nd Applicant Signature / POA Signature / Thumb Impression

Distributor / Broker ARN Sub-Broker Code LG CodeEUINSub-Broker ARN RIA Code

Add convenience to your life with our value added service

Simply send **SMS to 9212 132763 to avail the below facilities

Balance SMS BAL <space> last 6 digits of Folio No.

NAV SMS NAV <space> last 6 digits of Folio No.

Statement thru Email SMS ESOA <space> last 6 digits of Folio No.

Last 3 Transactions SMS Transaction <space> last 6 digits of Folio No.

**SMS charges as per service provider applicable.

SMSSMSInvestor can avail below facilities

1. NAV

2. Account Balance

3. Account Statement

4. Last 5 TransactionsIVR

24x7

9 am to 6 pm - Monday to Saturday on all Business Days

nd th9 am to 2 pm on 2 & 4 Saturdays of the Month

For more details call : 1800-2670-189 (Toll Free)

www.barodamf.com

#PAN/PEKRN

Date of Birth

First Applicant**

Aadhaar

Second Applicant Third Applicant

KIN No (CKYC)

D D M M Y Y Y Y

**Incase Minor / POA

Guardian (In case of Minor) POA Holder

Name

Relationship

Date of Birth of Minor

PAN/PEKRN

Aadhaar

Mobile No.*

D D M M Y Y Y Y

Information (*Mandatory)

# #(Refer Instruction IV) Please attach PAN proof.

I/We hereby provide my /our consent in accordance with Aadhaar Act, 2016 and regulations made thereunder, for (i) collecting, storing and usage (ii) validating/authenticating and (ii) updating my/our Aadhaar number(s) in accordance with the Aadhaar Act, 2016 (and regulations made thereunder) and PMLA.

I/We hereby provide my/our consent for sharing/disclosing my Aadhaar number(s) including demographic information with the asset management companies of SEBI registered mutual funds and their Registrar and Transfer Agents (RTA) for the purpose of updating the same in my/our folios.

Consent

Signature

D D M M Y Y Y Y D D M M Y Y Y Y

Politically Exposed Person (PEP) Self Related Not Applicable Self Related Not Applicable Self Related Not Applicable

Is the entity involved in any of the following services:

• Foreign Exchange/ Money Changer Yes No • Gaming/ Gambling/ Lottery (casinos, betting syndicates) Yes No • Money Lending/ Pawning Yes No

Gross Annual Income

Occupation of the Applicant

Net-worth* in ` (Lacs)*Should not be older than one year (Mandatory for Non-Individual)

Networth as of date

Non-Individuals

D D M M Y Y Y Y D D M M Y Y Y Y D D M M Y Y Y Y

Public Co.(Listed) Public Co.(Unlisted)

Housewife Builder Sports Defence

Student Business Professional Retired

Forex Dealer Gov. Service Agriculture

Pvt. Sector Service

Entertainment

Public Sector Service

Other

OR

Information to Investor's

The purpose of collection/usage of Aadhaar number including demographic information is to comply with applicable laws/rules/regulations and provision of the said data is mandatory as per applicable laws/rules/regulations. The mandatory requirement to submit the Aadhaar details/ documents by existing as well as new investors has been deferred till further notice.

Post obtaining the Aadhaar number, we shall authenticate the same in accordance with the Aadhaar Act, 2016.

We shall receive your demographic information which shall be used only to comply with applicable laws / rules / regulations.

25 L-1 Cr

<1L

> 1 Cr and so on

5-10 L1- 5 L

10-25 L

Public Co.(Listed) Public Co.(Unlisted)

Housewife Builder Sports Defence

Student Business Professional Retired

Forex Dealer Gov. Service Agriculture

Pvt. Sector Service

Entertainment

Public Sector Service

Other

Public Co.(Listed) Public Co.(Unlisted)

Housewife Builder Sports Defence

Student Business Professional Retired

Forex Dealer Gov. Service Agriculture

Pvt. Sector Service

Entertainment

Public Sector Service

Other

25 L-1 Cr

<1L

> 1 Cr and so on

5-10 L1- 5 L

10-25 L 25 L-1 Cr

<1L

> 1 Cr and so on

5-10 L1- 5 L

10-25 L

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

State Country Zip Code

KIN Nos. (CKYC)

Mobile No.*

REDEMPTION / REFUND PAYOUTS (Refer Instruction X for details)

Option (please )P Growth Dividend

Scheme Name

SCHEME DETAILS (Please choose the Option and Sub-option for Investment, please read product labeling details available on Cover Page and Instruction before filling this section)

GROSS AMOUNT (A) A

MODE OF PAYMENT NEFT / RTGSCheque

Cheque DetailsA/c No. A/c Type

Cheque No. DD M M Y Y Y YDate

NET AMOUNT (CHEQUE AMOUNT)CHARGES (IF ANY) (B) B

Drawn on Bank

In case of NEFT / RTGS payment UTR No.

` `

Name of the Bank Branch

Pincode State City

Bank Address

MICR Code (9 digits)

*IFSC Code for NEFT / RTGS

*This is an 11 Digit Number, kindly obtain it from your Bank Branch.Example for filling

the Account No.

Ac. No.

In words

1

One

3

Three

5

Five

7

Seven (Please attach copy of cancelled cheque)

Account no. (in words)

Account No. (in figures) Account Type Savings Current NRO NRE Others

FIRST HOLDER'S BANK ACCOUNT DETAILS (Mandatory) Refer Instruction III. All communication / payments will be made to the first applicant, or to the Karta in case of HUF. Bank account details of first applicant are required, without which the application is liable to be rejected.

Name of Applicant

Place/ City of Birth

Country of Birth

#Country of Tax Residency

Tax Payer Ref. ID No^

Identification Type[TIN or other, please specify]

Country of Tax Residency 2

Tax Payer Ref. ID No. 2

Identification Type[TIN or other, please specify]

Country of Tax Residency 3

First Applicant (including Minor)Category Second Applicant/ Guardian Third Applicant

#To also include USA, where the individual is a citizen/ green card holder of USA. ^In case Tax Identification Number is not available, kindly provide its functional equivalent.

Identification Type[TIN or other, please specify]

Tax Payer Ref. ID No.3

Virtual Payment Address (VPA) (of the Sole / First Holder / Guardian) (for Payment through UPI) (Refer Instruction XIII for more details)

FATCA & CRS INFORMATION [Please tick (ü)] For Individuals & HUF (Mandatory) Non Individual investors should mandatorily fill seperate FATCA detail form

Refer Instruction XI for more details The below information is required for all applicant(s)/ guardian

Address Type: Residential or Business Residential Business Registered Office (for address mentioned in form/existing address appearing in Folio)

Please indicate all countries in which you are resident for tax purposes and the associated Tax Reference Numbers below.

Is the applicant(s) Country of Birth / Nationality / Tax Residency other than India?

If “Yes”, please provide the following information (Mandatory)

First Applicant (including Minor)

Yes No

Second Applicant Third Applicant

Yes No Yes No

UPI

Baroda Banking & PSU Bond Fund

Pay out Reinvestment

Plan (please P) Regular Direct

DEMAT ACCOUNT DETAILS National Securities Depository Limited Central Depository Services (India) Limited

Depository Participant Name Mr / Ms / M/s

DP ID No. Client ID No.I N

INVESTMENT DETAILS (Strike off whichever is not applicable)

A minus B

Monthly QuarterlySub Option

NOMINATION DETAILS (To be filled in by individuals singly or jointly. Mandatory only for Investors who opt to hold units in Non-Demat Form) Refer Instruction VII.

Name and Address of the Nominee(s)

Relationshipbetween Nominee

& Investor

Name & Address of Guardian(to be furnished in case the nominee is minor)

Signature of Guardian / Nominee

Proportion (%) by which the units will be shared by each nominee

(% to aggregate to 100%)Date of Birth

Nominee 1

Nominee 2

Nominee 3

I/We have read and understood the contents of the scheme related documents and hereby apply for allotment of units in the Scheme. I/We agree to abide by the terms, conditions, rules & regulations governing the Scheme. I/We hereby declare that I/We am/are authorized to make this investment and that the amount invested in the Scheme is through legitimate sources only and does not involve and is not designed for the purpose of any contravention or evasion of any act, rule, regulation, notification or direction or any other applicable laws issued by the Government of India or any regulatory or statutory authority. I/We have understood the details of the Scheme and in the event “Know Your Customer” process is not completed by me/us to the satisfaction of the AMC, I/We hereby authorize the AMC to redeem the funds invested in the Scheme, in favour of the first applicant at the applicable NAV prevailing on the date of such redemption and to undertake such other action with such funds as may be required by law. I/We hereby authorise Baroda Mutual Fund, its Investment Manager and its agents to disclose details of my investment to my bank(s)/Baroda Mutual Fund’ bank(s) and/or Distributor/Broker/Investment Adviser.

The ARN holder has disclosed to me/us all the commission (in the form of trail commission or any other mode), payable to him/it for the different competing schemes of various mutual funds from amongst which the Scheme is being recommended to me/us. I/We have neither received nor been induced by any rebate or gifts, directly or indirectly, in making this investment. I/We declare that the information given in this application form is correct, complete and truly stated. If I/We have not ticked for not appointing a nominee, then the Application Form shall be processed as without nomination.

Applicable for “Execution Only” transaction : I/We, the undersigned, hereby acknowledge and confirm that the above transaction is “Execution Only” as explained vide SEBI circular no. CIR /IMD/DF/13/2011 dated 22 August 2011. This investment is being made notwithstanding the advice of the appropriateness/inappropriateness of the same and the distributor has not charged any advisory fees on this transaction.

Applicable for NRIs : I/We confirm that I am/we are Non-Residents of Indian nationality/origin but not residents of the United States and Canada and I/we hereby confirm that I/we have remitted funds from abroad through approved banking channels or from my/our monies in my/our domestic account maintained in accordance with applicable RBI guidelines.

I / We have understood the information requirements of this Form (read along with the FATCA & CRS Instructions) and hereby confirm that the information provided by me/us on this Form is true, correct, and complete. I / We also confirm that I / We have read and understood the FATCA & CRS Terms and Conditions below and hereby accept the same.

Applicable for FATCA & CRS :

DECLARATION AND SIGNATURES

1st Applicant Signature / Guardian Signature / POA Signature / Thumb Impression

2nd Applicant Signature / POA Signature /Thumb Impression

3rd Applicant Signature / POA Signature / Thumb Impression

DDMMYYYY

DDMMYYYY

DDMMYYYY

Visit us at : www.barodamf.com

Toll Free Number No. : 1800 2670 189

9 am to 6 pm - Monday to Saturday on all Business Days

nd th 9 am to 2 pm on 2 & 4 Saturdays of the Month

Email:info@barodamf.com

Distributor/Broker ARN Sub-Broker Code LG CodeEUINSub-Broker ARN Bar Code

For Office use only

*If the First Applicant is a Minor, please state the details of Guardian. # Please attach PAN proof.

Baroda Banking & PSU Bond Fund(An open-ended debt scheme predominantly investing in debt instruments of banks, Public Sector Undertakings, Public Financial Institutions and Municipal Bonds)

APPLICATION SUPPORTED BY BLOCKED AMOUNT (ASBA) FORM

BROKER/AGENT INFORMATION FOR OFFICE USE ONLY

(If you have an existing folio number, please mention the number here)

Mr / Ms / M/s

NAME OF FIRST APPLICANT (Name should be as available in Demat Account)

FOLIO NUMBER

Please refer the ASBA Instructions while filling up this form. Tick (P) whichever is applicable.

I confirm that I am a First time investor across Mutual Funds.( ` 150 deductible as Transaction Charge and payable to the Distributor)

I confirm that I am an existing investor across Mutual Funds.( ` 100 deductible as Transaction Charge and payable to the Distributor)

In case the subscription amount is ̀ 10,000/- or more and your distributor has opted to receive Transaction Charges, they are deductible, as applicable, from the purchase / subscription amount and payable to the distributor. Units will be issued against the balance amount.

TRANSACTION CHARGES FOR APPLICATIONS THROUGH DISTRIBUTORS ONLY (Please Refer Instruction VII of the NFO Application Form)

DETAILS OF BANK ACCOUNT FOR BLOCKING OF FUNDS AND PAYMENT

an application for purchase of units in Baroda Banking & PSU Bond Fund

SCSB Stamp, Signature

a) I/We have read & understood the contents of the SID and KIM of the Scheme and the SAI. I/We hereby apply for units of the Scheme & agree to abide by the terms, conditions, rules & regulations governing the Scheme. I / We hereby declare that the amount invested in the Scheme is through legitimate sources only & does not involve & is not designed for the contravention of any Act, Rule, Regulation, Notification or Direction or the provisions of the Income Tax Act, Anti Money Laundering Laws, Anti Corruption Laws or any other applicable law enacted by the Govt. of India or any other statutory authority from time to time. I / We have understood the details of the Scheme and in the event "Know Your Customer" process is not completed by me/us to the satisfaction of the AMC, I/we hereby authorise the AMC to redeem the funds invested in the Scheme, in favour of the first applicant at the applicable NAV prevailing on the date of such redemption and to undertake such other action with such funds as may be required by law. b) For NRIs : I/we confirm that I am/we are Non Residents of Indian Nationality / Origin & that I /we have remitted funds form abroad through approved banking channels or from funds in my/our Non-Resident External / Non-Resident Ordinary Account. I/we confirm that details provided by me / us are true and correct. I/ We confirm that I / we hold a valid PAN card. c) The ARN holder has disclosed to me / us all the commission (in the form of trail commission or any other mode), payable to him / it for the different competing schemes of various mutual funds from amongst which the Scheme is being recommended to me/us.

1) I/We hereby under take that I/We am/are an ASBA Investor as per the applicable provisions of the SEBI (Issue of Capital and Disclosure Requirements) Regulations, 2009 (“SEBI Regulations”), as amended from time to time. 2) In accordance with the ASBA process provided by the SEBI Regulations and as disclosed in this application, I/We authorize (a) the SCSB concerned to do all necessary acts to enable subscription to the Units of Baroda Banking & PSU Bond Fund (“Scheme”) through the ASBA facility, including but not limited to blocking of application money towards the aforesaid subscription of Units, to the extent mentioned in this form, or transfer of funds to the Bank account of the Scheme/Baroda Mutual Fund on receipt of instructions from the Registrar after the allotment of Units entitling me/us to receive Units on such transfer of funds, etc. (b) the Registrar to issue instruction to the SCSB concerned to remove the block on the funds in the bank account specified in this form, upon allotment of Units and to transfer the requisite money to the Scheme’s account / Bank account of Baroda Mutual Fund. 3) In case the amount available in the bank account specified in this form is insufficient for blocking the amount equivalent to the application money towards the aforesaid subscription of Units, the SCSB concerned has the right to reject the application. 4) If the DP ID, Beneficiary Account No. or PAN furnished by me/us in this form is incorrect or incomplete or does not match with the depository records, the application is liable to be rejected and Baroda Mutual Fund and/or the AMC or SCSBs shall not be liable for losses, if any, suffered by me/us on this account. 5) I/we shall address all future communication in connection with the NFO to the SCSB concerned/Registrar/AMC quoting the full name of the Sole/First Applicant, NFO Application Number, ASBA Application Number, Depository Account details, amount applied for and the bank account number from where the NFO amount was blocked.

CONTACT DETAILS - FIRST APPLICANT / GUARDIAN / OTHERS (PO Box address is not sufficient. Mobile number and email are mandatory to avail of online facility.)

` In figures

ACKNOWLEDGMENT SLIP (to be filled in by the investor)

Received from Mr / Ms / Mrs / M/s

SCSB Account details: Account No.

Branch

Bank Name

Time of receipt `

Total Amount to be blocked

in words

Signature of Bank Account Holders

DECLARATION AND SIGNATURES

UNDERTAKING BY ASBA INVESTOR

`In figures `

DEPOSITORY/ DEMAT ACCOUNT DETAILS

National Securities Depository Limited

Depository Participant Name

DP ID No. Beneficiary A/c No.

Mr Ms M/s

Central Depository Services (India) Limited

Depository Participant Name

Target ID No.Mr Ms M/s

PAN DETAILS (Mandatory)

Second Applicant

Third ApplicantGuardian*

PAN # (Refer Instruction IV of the NFO Application Form)

First / Sole Applicant

Bank Account Number

Bank Name

Branch Name where account is held

Total Amount to be blocked

Name of Contact Person (In case of non Individual Investor)

Address

City

State Pincode Landline No.

Plan (please ü) Direct Regular

Scheme Name

SCHEME DETAILS (Please choose the Option for Investment)

Baroda Banking & PSU Bond Fund

Mr Ms M/s

in words

NF

O O

pe

ns

on

:

& C

los

es

on

:

N

ov

em

be

r 2

7,

20

20

D

ec

em

be

r 1

0,

20

20

Option (please ü) Growth Dividend Payout / Reinvestment

APPLICATION SUPPORTED BY BLOCKED AMOUNT (ASBA) INSTRUCTIONS

What is ASBA?

ASBA is an application for subscribing to an NFO, and contains an authorization to block the application money in a bank account.

What is a Self Certified Syndicate Bank (SCSB)?

An SCSB is a banker to an issue which is registered with SEBI and offers the facility o f a p p l y i n g t h r o u g h t h e A S B A p r o c e s s . P l e a s e v i s i t www.sebi.gov.in/pmd/scsb.html or www.nseindia.com for the list of currently available SCSBs offering ASBA facility through their designated branches.

Key points with regard to investing through ASBA

1. If you wish to invest using the ASBA facility, please submit the ASBA Application Form at any of the designated branches of an SCSB with which you hold a bank account which is intended to be blocked for the subscription amount and will be mentioned as such in the ASBA Application Form (“Bank Account”). Please check with your bank branch to confirm whether the branch offers ASBA facility. You may submit the ASBA application form physically or electronically. In case you wish to submit the ASBA Application Form in physical mode, you may submit it at any of the designated branches of the SCSB concerned. If, however, you wish to submit the ASBA Application Form in electronic form, you may submit the ASBA Form either through the internet banking facility available with the SCSB concerned, or through any other electronically enabled mechanism for subscribing to the units of the scheme, which authorizes the SCSB concerned to block the subscription money. Please note that the ASBA Application Form will not be accepted by Baroda Asset Management India Limited (“AMC”) any of the Investor Service Centres or the Registrar, KFin Fintech Private Limited (“Registrar”).

2. Please ensure that you mention in the ASBA Application Form, the correct number of your Bank Account with the SCSB concerned, and that funds equal to your subscription amount are available in the said bank account at the time of submission of the ASBA Application Form in physical or electronic form.

3. Upon submission of the ASBA Application Form with the SCSB concerned, whether in physical or electronic mode, you shall be deemed to have agreed to block the entire subscription amount specified in the said firm, and have authorized the designated branch of the SCSB concerned to block such

amount in the Bank Account. Please note the following in respect of your submission of form with the SCSB concerned:

a) The SCSB concerned will not accept any ASBA after 3.00 p.m. on December 19, 2014.

b) The SCSB concerned will give you an acknowledgment for the receipt of the ASBA Application Form.

4. On the basis of the authorization given by you through the ASBA Application Form, the SCSB concerned will block the subscription money in the Bank Account. The subscription money will remain blocked in the Bank Account till allotment of units under the Scheme or till rejection of the application or refund, as the case may be.

5. If the Bank Account does not have sufficient credit balance to meet the subscription money, the ASBA application will be rejected by the SCSB concerned.

6. Please do not enclose along with the ASBA Application Form, a cheque, or any mode of payment, as the ASBA Application Form contains an authorization to block the subscription amount in the Bank Account.

7. Please submit a copy of the acknowledgment receipt of the ASBA Application Form (as submitted with the SCSB concerned) along with the NFO application form at any of the official points of acceptance for the AMC.

8. The AMC, the Registrar, and the Trustee to Baroda Mutual Fund shall not be liable for any negligence or mistake committed by SCSBs.

9. All grievances relating to the ASBA facility may be addressed to the AMC / Registrar, with a copy to the SCSB concerned, giving full details such as name, address of the applicant, subscription amount blocked on application, Bank Account number and the designated Branch or the collection centre of the SCSB where the ASBA Form was submitted.

10. The ASBA facility will operate in accordance with applicable SEBI guidelines in force from time to time.

11. For details on transaction charges, please refer the Instruction VIII of the NFO Application Form.

Contact Points :Baroda Asset Management India Limited(Formerly known as Baroda Pioneer Asset Management Company Ltd.)CIN : U65991MH1992PLC069414501, Titanium, 5th Floor, Western Express Highway, Goregaon (East), Mumbai - 400 063.Tel. No. : +91 22 6848 1000 • Fax: +91 22 6848 1001 • Email : info@barodamf.comWebsite: www.barodamf.com • Toll Free No. : 1800 267 0189

nd th9 am to 6 pm - Monday to Saturday on all Business Days 9 am to 2 pm on 2 & 4 Saturdays of the Month

KFIN INVESTOR SERVICE CENTRES

Agartala :- KFin Technologies Pvt. Ltd.,OLS Rms Chowmuhani, Mantri Bari Road1st Floor Near Traffic Point, Tripura West, Agartala 799001. • Tel. No. : : 0381-2317519 • Email: mfsagartala@Kfintech.com. • Agra :- :- KFin Technologies Pvt. Ltd.,House No. 17/2/4, 2nd Floor, Deepak Wasan Plaza, Behind Hotel Holiday INN, Sanjay Place, Agra 282002.• Tel. No. : : 7518801801• Email: mfsagra@Kfintech.com • Ahmedabad :- KFin Technologies Pvt. Ltd.,Office No. 401, on 4th Floor,ABC-I, Off. C.G. Road,-,Ahmedabad 380009. • Tel. No. : 9081903021• Email: ahmedabadmfd@Kfintech.com • Ajmer :- KFin Technologies Pvt. Ltd., 302 3rd Floor, Ajmer Auto Building, Opposite City Power House, Jaipur Road; Ajmer 305001. • Tel. No. : 0145-5120725 • Email: mfsajmer@Kfintech.com • Akola :- KFin Technologies Pvt. Ltd.,Yamuna Tarang Complex Shop No 30,Ground Floor N.H. No- 06 Murtizapur Road, Opp Radhakrishna Talkies,Akola 444004. • Tel. No. : 0724-2451874• Email: mfsakola@Kfintech.com • Aligarh :- KFin Technologies Pvt. Ltd.,Sebti Complex Centre Point,Sebti Complex Centre Point,-,Aligarh 202001. • Tel. No. : 7518801802• Email: mfsaligarh@Kfintech.com • Allahabad :- KFin Technologies Pvt. Ltd.,Meena Bazar,2nd Floor 10 S.P. Marg Civil Lines,Subhash Chauraha, Prayagraj,Allahabad 211001. • Tel. No. : 7518801803• Email: allahabadmfd@Kfintech.com • Alleppy :- KFin Technologies Pvt. Ltd.,1st Floor JP Towers, Mullackal, KSRTC Bus Stand, Alleppy 688011. • Tel. No. : 0477 2263055 • Email: mfsalleppy@Kfintech.com • Alwar :- KFin Technologies Pvt. Ltd.,Office Number 137, First Floor, Jai Complex, Road No-2,Alwar 301001. • Tel. No. : 0144-4901131 • Email: mfsalwar@Kfintech.com • Amaravathi :- KFin Technologies Pvt. Ltd., Shop No. 21 2nd Floor, Gulshan Tower, Near Panchsheel Talkies Jaistambh Square, Amaravathi 444601. • Tel. No. : 0721 2569198• Email: mfsamaravathi@Kfintech.com • Ambala :- KFin Technologies Pvt. Ltd.,6349, 2nd Floor, Nicholson Road, Adjacent Kos Hospital Ambala Cant, Ambala 133001. • Tel. No. : 7518801804• Email: mfsambala@Kfintech.com • Amritsar :- KFin Technologies Pvt. Ltd.,SCO 5, 2nd Floor, District Shopping Complex, Ranjit Avenue, Amritsar 143001. • Tel. No. : 0183-5053802• Email: mfsamritsar@Kfintech.com • Anand :- KFin Technologies Pvt. Ltd.,B-42 Vaibhav Commercial Center, Nr TVS Down Town Showroom ,Grid Char Rasta ,Anand 380001. • Tel. No. : 9081903038• Email: mfsanand@Kfintech.com • Ananthapur :- KFin Technologies Pvt. Ltd., Plot No: 12-313,Balaji Towers, Suryanagar, Ananthapur Village, Anantapur 515001. • Tel. No. : 08554-244449• Email: mfsananthapur@Kfintech.com • Asansol :- KFin Technologies Pvt. Ltd.,112/N G. T. Road Bhanga Pachil, G.T Road, Paschim Bardhaman West Bengal, Asansol 713303. • Tel. No. : 0341-2220077• Email: mfsasansol@Kfintech.com • Aurangabad :- KFin Technologies Pvt. Ltd.,Shop No B 38, Motiwala Trade Center, Nirala Bazar, Aurangabad 431001. • Tel. No. : 0240-2343414• Email: mfsaurangabad@Kfintech.com • Azamgarh :- KFin Technologies Pvt. Ltd.,House No. 290, Ground Floor, Civil lines, Near Sahara Office, Azamgarh 276001. • Tel. No. : 7518801805 • Email: mfsazamgarh@Kfintech.com • Balasore :- KFin Technologies Pvt. Ltd.,1-B. 1st Floor, Kalinga Hotel Lane, Baleshwar, Baleshwar Sadar, Balasore 756001. • Tel. No. : 06782-260503• Email: mfsbalasore@Kfintech.com • Bangalore :- KFin Technologies Pvt. Ltd., No 35,Puttanna Road, Basavanagudi, Bangalore 560004. • Tel. No. : 080-26602852• Email: bangaloremfd@Kfintech.com • Bankura :- KFin Technologies Pvt. Ltd.,Plot Nos- 80/1/Anatunchati Mahalla 3rd Floor, Ward no-24 Opposite P.C Chandra,Bankura Town,Bankura 722101. • Tel. No. : 9434480586• Email: mfsbankura@Kfintech.com • Bareilly :- KFin Technologies Pvt. Ltd.,1st Floor Rear Sidea -Square Building,54-Civil Lines, Ayub Khan Chauraha, Bareilly 243001. • Tel. No. : 7518801806• Email: mfsbareilly@Kfintech.com • Baroda :- KFin Technologies Pvt. Ltd.,203 Corner point ,Jetalpur Road, Baroda Gujarat,Baroda 390007. • Tel. No. : 0265-2353506• Email: barodamfd@Kfintech.com • Begusarai :- KFin Technologies Pvt. Ltd.,C/o Dr Hazari Prasad Sahu,Ward No 13, Behind Alka Cinema,Begusarai (Bihar),Begusarai 851117. • Tel. No. : 7518801807• Email: mfsbegusarai@Kfintech.com • Belgaum :- KFin Technologies Pvt. Ltd.,Premises No.101, CTS NO.1893,Shree Guru Darshani Tower,Anandwadi, Hindwadi,Belgaum 590011. • Tel. No. : 0831 2402544• Email: mfsbelgaum@Kfintech.com • Bellary :- KFin Technologies Pvt. Ltd.,Shree Gayathri Towers #4,1st Floor K.H.B.Colony,Gopalaswamy Mudaliar Road,Gandhi Nagar-Bellary 583103. • Tel. No. : 08392 – 254750• Email: mfsbellary@Kfintech.com • Berhampur (Or) :- KFin Technologies Pvt. Ltd., Opp Divya Nandan Kalyan Mandap,3rd Lane Dharam Nagar,Near Lohiya Motor,Berhampur (Or) 760001. • Tel. No. : 0680-2228106• Email: mfsberhampur@Kfintech.com • Bhagalpur :- KFin Technologies Pvt. Ltd.,2Nd Floor,Chandralok ComplexGhantaghar,Radha Rani Sinha Road,Bhagalpur 812001. • Tel. No. : 7518801808• Email: mfsbhagalpur@Kfintech.com • Bharuch :- KFin Technologies Pvt. Ltd.,123 Nexus business Hub,Near Gangotri Hotel,B/s Rajeshwari Petroleum,Makampur Road,Bharuch 392001. • Tel. No. : 9081903042• Email: mfsbharuch@Kfintech.com • Bhatinda :- KFin Technologies Pvt. Ltd.,MCB -Z-3-01043, 2 Floor, Goniana Road, Opposite Nippon India MF Gt Road, Near Hanuman Chowk, Bhatinda 151001. • Tel. No. : 0164- 5006725• Email: mfsbhatinda@Kfintech.com • Bhavnagar :- KFin Technologies Pvt. Ltd.,303 Sterling Point , Waghawadi Road, Bhavnagar 364001. • Tel. No. : 278-3003149 • Email: mfsbhavnagar@Kfintech.com • Bhilai :- KFin Technologies Pvt. Ltd.,Office No.2, 1st Floor, Plot No. 9/6,Nehru Nagar [East],Bhilai 490020. • Tel. No. : 0788-2289499 / 2295332• Email: mfsbhilai@Kfintech.com • Bhilwara :- KFin Technologies Pvt. Ltd.,Office No. 14 B, Prem Bhawan, Pur Road, Gandhi Nagar, Near Canara Bank,Bhilwara 311001. • Tel. No. : 01482-246362 / 246364• Email: mfsbhilwara@Kfintech.com • Bhopal :- KFin Technologies Pvt. Ltd.,Gurukripa Plaza, Plot No. 48A,Opposite City Hospital, zone-2,M P Nagar, Bhopal 462011. • Tel. No. : 0755-4092712,0755-4092715• Email: bhopalmfs@Kfintech.com • Bhubaneswar :- KFin Technologies Pvt. Ltd.,A/181 Back Side Of Shivam Honda Show Room,Saheed Nagar,-,Bhubaneswar 751007. • Tel. No. : 0674-2548981• Email: bhubaneswarmfd@Kfintech.com • Bikaner :- KFin Technologies Pvt. Ltd.,70-71 2Nd Floor | Dr.Chahar Building ,Panchsati Circle,Sadul Ganj ,Bikaner 334003. • Tel. No. : 0151-2200014• Email: mfsbikaner@Kfintech.com • Bilaspur :- KFin Technologies Pvt. Ltd.,Shop.No.306,3rd Floor, Anandam Plaza,Vyapar Vihar Main Road, Bilaspur 495001. • Tel. No. : 07752-470070• Email: mfsbilaspur@Kfintech.com • Bokaro :- KFin Technologies Pvt. Ltd.,City Centre, Plot No. He-07,Sector-IV,Bokaro Steel City,Bokaro 827004. • Tel. No. : 7542979444• Email: mfsbokaro@Kfintech.com • Burdwan :- KFin Technologies Pvt. Ltd.,Anima Bhavan 1st Floor Holding No. 42,Sreepally G. T. Road,West Bengal,Burdwan 713103. • Tel. No. : 0342-2665140• Email: mfsburdwan@Kfintech.com • Calicut :- KFin Technologies Pvt. Ltd.,Second Floor,Manimuriyil Centre, Bank Road,,Kasaba Village,Calicut 673001. • Tel. No. : 0495-4022480• Email: mfscalicut@Kfintech.com • Chandigarh :- KFin Technologies Pvt. Ltd.,First floor, SCO 2469-70,Sec. 22-C,-,Chandigarh 160022. • Tel. No. : 1725101342• Email: chandigarhmfd@Kfintech.com • Chennai :- KFin Technologies Pvt. Ltd.,F-11 Akshaya Plaza 1St Floor,108 Adhithanar Salai,Egmore Opp To Chief Metropolitan Court,Chennai 600002. • Tel. No. : 044-42028512• Email: chennaimfd@Kfintech.com • Chinsura :- KFin Technologies Pvt. Ltd.,No : 96,PO: Chinsurah, Doctors Lane, Chinsurah 712101. • Tel. No. : 033-26810164• Email: mfschinsura@Kfintech.com • Cochin :- KFin Technologies Pvt. Ltd.,Ali Arcade 1st Floo rKizhavana Road, Panampilly Nagar, Near Atlantis Junction, Ernakualm 682036. • Tel. No. : 0484 - 4025059• Email: cochinmfd@Kfintech.com • Coimbatore :- KFin Technologies Pvt. Ltd., 3rd Floor Jaya Enclave,1057 Avinashi Road,-, Coimbatore 641018. • Tel. No. : 0422 - 4388011• Email: mfscoimbatore@Kfintech.com • Cuttack :- KFin Technologies Pvt. Ltd.,shop No-45,2nd Floor, Netaji Subash Bose Arcade, (Big Bazar Building) Adjusent To Reliance Trends,,Dargha Bazar, Cuttack 753001. • Tel. No. : 0671-2203077• Email: mfscuttack@Kfintech.com • Darbhanga :- KFin Technologies Pvt. Ltd.,Jaya Complex, 2nd Floor, Above Furniture Planet Donar, Chowk, Darbhanga 846003. • Tel. No. : 7518801809• Email: mfsdarbhanga@Kfintech.com • Davangere :- KFin Technologies Pvt. Ltd.,D.No 162/6 , 1st Floor, 3rd Main,P J Extension, Davangere Taluk, Davangere Manda,Davangere 577002. • Tel. No. : 0819-2258714• Email: mfsdavangere@Kfintech.com • Dehradun :- KFin Technologies Pvt. Ltd.,Kaulagarh Road, Near Sirmaur Margabove, Reliance Webworld, Dehradun 248001. • Tel. No. : 7518801810• Email: dehradunmfd@Kfintech.com • Deoria :- KFin Technologies Pvt. Ltd.,K. K. Plaza,Above Apurwa Sweets,Civil Lines Road,Deoria 274001. • Tel. No. : 7518801811• Email: mfsdeoria@Kfintech.com • Dhanbad :- KFin Technologies Pvt. Ltd., 208 New Market 2Nd Floor,Bank More,-,Dhanbad 826001. • Tel. No. : 9264445981• Email: mfsdhanbad@Kfintech.com • Dharwad :- KFin Technologies Pvt. Ltd.,Adinath Complex, Beside Kamal Automobiles, Bhoovi Galli, Opp Old Laxmi Talkies, P B Road, Dharwad 580001. • Tel. No. : 0836- 2744207• Email: mfsdharwad@Kfintech.com • Dhule :- KFin Technologies Pvt. Ltd. Ground Floor Ideal Laundry Lane No 4,Khol Galli Near Muthoot Finance,Opp Bhavasar General Store, Dhule 424001. • Tel. No. : 02562-282823• Email: mfsdhule@Kfintech.com • Dindigul :- KFin Technologies Pvt. Ltd.,No 59B New Pensioner Street, Palani Road,,Opp Gomathi Lodge,Dindigul 624001. • Tel. No. : 0451- 2436177• Email: mfsdindigul@Kfintech.com • Durgapur :- KFin Technologies Pvt. Ltd.,MWAV-16 Bengal Ambuja,2nd Floor City Centre,Distt. Burdwan Durgapur-16 ,Durgapur 713216. • Tel. No. : 0343-6512111 • Email: mfsdurgapur@Kfintech.com • Eluru :- KFin Technologies Pvt. Ltd., DNO-23A-7-72/73K K S Plaza Munukutla Vari Street,Opp Andhra Hospitals,R R PETA,Eluru 534002. • Tel. No. : 08812-227851 / 52 / 53 / 54• Email: mfseluru@Kfintech.com • Erode :- KFin Technologies Pvt. Ltd., Address No 38/1 Ground Floor, Sathy Road,(VCTV Main Road),Sorna Krishna Complex, Erode 638003. • Tel. No. : 0424-4021212 • Email: mfserode@Kfintech.com • Faridabad :- KFin Technologies Pvt. Ltd.,A-2B 2nd Floor,Neelam Bata Road Peer ki Mazar,Nehru Groundnit,Faridabad 121001. • Tel. No. : 7518801812• Email: mfsfaridabad@Kfintech.com • Ferozpur :- KFin Technologies Pvt. Ltd.,The Mall Road Chawla Bulding Ist Floor,Opp. Centrail Jail,Near Hanuman Mandir, Ferozepur 152002. • Tel. No. : 01632-241814• Email: mfsferozpur@Kfintech.com • Gandhidham :- KFin Technologies Pvt. Ltd.,Shop # 12 Shree Ambica Arcade Plot # 300,Ward 12. Opp. CG High School, Near HDFC Bank, Gandhidham 370201 • Tel. No. : 9081903027• Email: mfsgandhidham@Kfintech.com • Gandhinagar :- KFin Technologies Pvt. Ltd.,123 First Floor,Megh Malhar Complex,Opp. Vijay Petrol Pump Sector - 11,Gandhinagar 382011. • Tel. No. : 079 23244955 • Email: mfsgandhinagar@Kfintech.com • Gaya :- KFin Technologies Pvt. Ltd.,Property No. 711045129, Ground Floor, Hotel Skylark, Swaraipuri Road, Gaya - 823001. • Tel. No. : 0631-2220065• Email: mfsgaya@Kfintech.com • Ghaziabad :- KFin Technologies Pvt. Ltd., FF - 31, Konark Building, Rajnagar, Ghaziabad 201001. • Tel. No. : 7518801813• Email: mfsghaziabad@Kfintech.com • Ghazipur :- KFin Technologies Pvt. Ltd.,House No. 148/19,Mahua Bagh, Ghazipur 233001. • Tel. No. : 7518801814• Email: mfsghazipur@Kfintech.com • Gonda :- KFin Technologies Pvt. Ltd., H No 782,Shiv Sadan,ITI Road,Near Raghukul Vidyapeeth,Civil lines,Gonda 271001. • Tel. No. : 7518801815• Email: mfsgonda@Kfintech.com • Gorakhpur :- KFin Technologies Pvt. Ltd.,Above V.I.P. House Ajdacent, A.D. Girls College, Bank Road, Gorakpur 273001. • Tel. No. : 7518801816• Email: mfsgorakhpur@Kfintech.com • Gulbarga :- KFin Technologies Pvt. Ltd.,H NO 2-231,Krishna Complex, 2nd Floor Opp.,Opp. Municipal Corporation Office, Jagat, Station Main Road, Kalaburagi, Gulbarga 585105. • Tel. No. : 08472 252503• Email: mfsgulbarga@Kfintech.com • Guntur :- KFin Technologies Pvt. Ltd.,2nd Shatter, 1st Floor, Hno. 6-14-48, 14/2 Lane, Arundal Pet,Guntur 522002. • Tel. No. : 0863-2339094• Email: mfsguntur@Kfintech.com • Gurgaon :- KFin Technologies Pvt. Ltd.,No: 212A, 2nd Floor, Vipul Agora, M. G. Road,-,Gurgaon 122001. • Tel. No. : 7518801817 • Email:mfsgurgaon@Kfintech.com • Guwahati :- KFin Technologies Pvt. Ltd., Ganapati Enclave, 4th Floor, Opposite Bora service, Ullubari, Guwahati, Assam 781007. • Tel. No. : 8811036746• Email: mfsguwahati@Kfintech.com • Gwalior :- KFin Technologies Pvt. Ltd.,City Centre, Near Axis Bank,-,Gwalior 474011. • Tel. No. : 7518801818• Email: mfsgwalior@Kfintech.com • Haldwani :- KFin Technologies Pvt. Ltd.,Shoop No 5,KMVN Shoping Complex,-,Haldwani 263139. • Tel. No. : 7518801819 • Email: mfshaldwani@Kfintech.com • Haridwar :- KFin Technologies Pvt. Ltd., Shop No. - 17,Bhatia Complex, Near Jamuna Palace, Haridwar 249410. • Tel. No. : 7518801820• Email: mfsharidwar@Kfintech.com • Hassan :- KFin Technologies Pvt. Ltd.,SAS NO: 490, Hemadri Arcade,2nd Main Road,Salgame Road Near Brahmins Boys Hostel, Hassan 573201. • Tel. No. : 08172 262065• Email: mfshassan@Kfintech.com • Hissar :- KFin Technologies Pvt. Ltd.,Shop No. 20, Ground Floor, R D City Centre,Railway Road,Hissar 125001. • Tel. No. : 7518801821• Email: mfshissar@Kfintech.com • Hoshiarpur :- KFin Technologies Pvt. Ltd.,Unit # SF-6,The Mall Complex,2nd Floor , Opposite Kapila Hospital,Sutheri Road,Hoshiarpur 146001. • Tel. No. : 01882-500143• Email: mfshoshiarpur@Kfintech.com • Hubli :- KFin Technologies Pvt. Ltd., R R Mahalaxmi Mansion, Above IndusIND Bank, 2nd Floor,Desai Cross, Pinto Road,Hubballi 580029. • Tel. No. : 0836-2252444• Email: mfshubli@Kfintech.com • Hyderabad :- KFin Technologies Pvt. Ltd.,No:303, Vamsee Estates,Opp: Bigbazaar,Ameerpet,Hyderabad 500016. • Tel. No. : 040-44857874 / 75 / 76• Email: mfshyderabad@Kfintech.com • Indore :- KFin Technologies Pvt. Ltd.,101,Diamond Trade Centre,-,Indore 452001. • Tel. No. : 0731-4266828/4218902• Email: mfsindore@Kfintech.com • Jabalpur :- KFin Technologies Pvt. Ltd., 2nd Floor, 290/1 (615-New), Near Bhavartal Garden, Jabalpur - 482001. • Tel. No. : 0761-4923301• Email: mfsjabalpur@Kfintech.com • Jaipur :- KFin Technologies Pvt. Ltd.,Office no 101, 1st Floor, Okay Plus Tower,Next to Kalyan Jewellers,Government Hostel Circle, Ajmer Road, Jaipur 302001. • Tel. No. : 01414167715/17• Email: jaipurmfd@Kfintech.com • Jalandhar :- KFin Technologies Pvt. Ltd.,Office No 7, 3rd Floor, City Square Building, E-H197 Civil Line, Next to Kalyan Jewellers, Jalandhar 144001. • Tel. No. : 0181-5094410• Email: mfsjalandhar@Kfintech.com • Jalgaon :- KFin Technologies Pvt. Ltd.,3rd floor,22 Yashodhah,Ring Road,Jalgaon 425001. • Tel. No. : 9421521406• Email: mfsjalgaon@Kfintech.com • Jalpaiguri :- KFin Technologies Pvt. Ltd.,D B C Road Opp Nirala Hotel,Opp Nirala Hotel,Opp Nirala Hotel,Jalpaiguri 735101. • Tel. No. : 03561-222136• Email: mfsjalpaiguri@Kfintech.com • Jammu :- KFin Technologies Pvt. Ltd.,, 304, A-1, 03rd Floor ,North Block, Bahu Plaza ,Jammu - 180004 . • Tel. No. : 0191-2470973• Email: mfsjammu@Kfintech.com • Jamnagar :- KFin Technologies Pvt. Ltd.,131 Madhav Plazza, ,Opp SBI Bank, Nr Lal Bunglow, Jamnagar 361008. • Tel. No. : 0288 3065810• Email: mfsjamnagar@Kfintech.com • Jamshedpur :- KFin Technologies Pvt. Ltd., Madhukunj, 3rd Floor ,Q Road, Sakchi, Bistupur, East Singhbhum, Jamshedpur 831001. • Tel. No. : 0657-6655003/ 6655004/ 6655005/ 6655006/ 6655007• Email: jamshedpurmfd@Kfintech.com • Jaunpur :- KFin Technologies Pvt. Ltd., R N Complex 1-1-9-G,R. N. Complex, Opposite Pathak Honda, Above Oriental Bank of Commerce, Jaunpur 222002. • Tel. No. : 7518801822• Email: mfsjaunpur@Kfintech.com • Jhansi :- KFin Technologies Pvt. Ltd.,1st Floor, Puja Tower,Near 48 Chambers,ELITE Crossing,Jhansi 284001. • Tel. No. : 7518801823• Email: mfsjhansi@Kfintech.com • Jodhpur :- KFin Technologies Pvt. Ltd.,Shop No. 6, GANG TOWER, G Floor, Opposite Arora Moter Service Centre, Near Bombay Moter Circle, Jodhpur 342003. • Tel. No. : 7737014590• Email: mfsjodhpur@Kfintech.com • Junagadh :- KFin Technologies Pvt. Ltd.,124-125 Punit Shopping Center,M.G Road,Ranavav Chowk,Junagadh 362001. • Tel. No. : 0285-2652220• Email: mfsjunagadh@Kfintech.com • Kannur :- KFin Technologies Pvt. Ltd.,2nd Floor,Global Village, Bank Road,Kannur 670001. • Tel. No. : 0497-2764190• Email: mfskannur@Kfintech.com • Kanpur :- KFin Technologies Pvt. Ltd.,15/46 B Ground Floor,Opp : Muir Mills,Civil Lines,Kanpur 208001. • Tel. No. : 7518801824• Email: kanpurmfd@Kfintech.com • Karimnagar :- KFin Technologies Pvt. Ltd.,2nd Shutter HNo. 7-2-607 Sri Matha ,Complex Mankammathota, Karimnagar 505001. • Tel. No. : 0878-2244773• Email: mfskarimnagar@Kfintech.com • Karnal :- KFin Technologies Pvt. Ltd.,18/369 Char Chaman, Kunjpura Road, Behind Miglani Hospital, Karnal 132001. • Tel. No. : 0184-2252524• Email: mfskarnal@Kfintech.com • Karur :- KFin Technologies Pvt. Ltd.,No 88/11, BB Plaza,NRMP Street, K S Mess Back Side, Karur 639002. • Tel. No. : 04324-241755• Email: mfskarur@Kfintech.com • Kharagpur :- KFin Technologies Pvt. Ltd.,Holding No 254/220, SBI Building,Malancha Road, Ward No.16, PO: Kharagpur, PS: Kharagpur,Dist: Paschim Medinipur,Kharagpur 721304. • Tel. No. : 3222253380 • Email: mfskharagpur@Kfintech.com • Kolhapur :- KFin Technologies Pvt. Ltd.,605/1/4 E Ward Shahupuri 2Nd Lane,Laxmi Niwas,Near Sultane Chambers,Kolhapur 416001. • Tel. No. : 0231 2653656• Email: mfskolhapur@Kfintech.com • Kolkata :- KFin Technologies Pvt. Ltd.,Apeejay House (Beside Park Hotel),C Block, 3rd Floor,15 Park Street ,Kolkata 700016. • Tel. No. : 033 66285900 • Email: mfskolkata@Kfintech.com • Kollam :- KFin Technologies Pvt. Ltd.,Ground Floora, Narayanan Shopping Complex, Kausthubhsree Block,Kadapakada,Kollam 691008. • Tel. No. : 474-2747055• Email: mfskollam@Kfintech.com • Korba :- KFin Technologies Pvt. Ltd., Nidhi Biz Complex, Plot No 5, Near Patidar Bhawan,T. P. Nagar,Korba 495677. • Tel. No. : 7518801826 • Email: mfskorba@Kfintech.com • Kota :- KFin Technologies Pvt. Ltd.,D-8, Shri Ram Complex,Opposite Multi Purpose School, Gumanpur, Kota 324007. • Tel. No. : 0744-5100964• Email: mfskota@Kfintech.com • Kottayam :- KFin Technologies Pvt. Ltd.,1St Floor Csiascension Square, Railway Station Road, Collectorate P O,Kottayam 686002. • Tel. No. : 0481-2300868/2302420• Email: mfskottayam@Kfintech.com • Kurnool :- KFin Technologies Pvt. Ltd.,Shop No:47,2nd Floor, S Komda Shoping Mall, Kurnool 518001. • Tel. No. : 08518-228550• Email: mfskurnool@Kfintech.com • Lucknow :- KFin Technologies Pvt. Ltd.,Ist Floor, A. A. Complex,5 Park Road Hazratganj Thaper House,Lucknow 226001. • Tel. No. : 7518801830 • Email: lucknowmfd@Kfintech.com • Ludhiana :- KFin Technologies Pvt. Ltd.,SCO 122, Second Floor, Above HDFC Mutual fund, Feroze Gandhi Market, Ludhiana 141001. • Tel. No. : 0161-4670278• Email: mfsludhiana@Kfintech.com • Madurai :- KFin Technologies Pvt. Ltd.,No. G-16/17, AR Plaza, 1st floor, North Veli Street, Madurai 625001. • Tel. No. : 0452-2605856• Email: mfsmadurai@Kfintech.com • Malappuram :- KFin Technologies Pvt. Ltd.,2nd Floor, Peekays Arcade, Down Hill, Malappuram 676505. • Tel. No. : 0483-2731480• Email: mfsmalappuram@Kfintech.com • Malda :- KFin Technologies Pvt. Ltd.,Ram Krishna Pally; Ground Floor, English Bazar, Malda 732101. • Tel. No. : 03512-223763• Email: mfsmalda@Kfintech.com • Mandi :- KFin Technologies Pvt. Ltd., House No. 99/11, 3rd Floor, Opposite GSS Boy School, School Bazar, Mandi 175001. • Tel. No. : 7518801833• Email: mfsmandi@Kfintech.com • Mangalore :- KFin Technologies Pvt. Ltd.,Mahendra Arcade Opp Court Road,Karangal Padi, Mangalore 575003. • Tel. No. : 0824-2496289• Email: mangaloremfd@Kfintech.com • Margao :- KFin Technologies Pvt. Ltd.,2nd Floor, Dalal Commercial Complex, Pajifond, Margao 403601. • Tel. No. : 0832-2731823• Email: mfsmargoa@Kfintech.com • Mathura :- KFin Technologies Pvt. Ltd.,Shop No. 9, Ground Floor, Vihari Lal Plaza, Opposite Brijwasi Centrum, Near New Bus Stand,Mathura 281001. • Tel. No. : 7518801834• Email: mfsmathura@Kfintech.com • Meerut :- KFin Technologies Pvt. Ltd.,H No 5,Purva Eran, Opp Syndicate Bank,Hapur Road,Meerut 250002. • Tel. No. : 7518801835• Email: mfsmeerut@Kfintech.com • Mehsana :- KFin Technologies Pvt. Ltd.,FF-21 Someshwar Shopping Mall, Modhera Char Rasta, Mehsana 384002. • Tel. No. : 02762-242950• Email: mfsmehsana@Kfintech.com • Mirzapur :- KFin Technologies Pvt. Ltd., House No. 404,Ward No. 8, Dankeenganj, Mirzapur, Mirzapur 231001. • Tel. No. : 7518801836• Email: mfsmirzapur@Kfintech.com • Moga :- KFin Technologies Pvt. Ltd.,1st Floor, Dutt Road, Mandir Wali Gali, Civil Lines Barat Ghar, Moga 142001. • Tel. No. : 01636 - 230792• Email: mfsmoga@Kfintech.com • Moradabad :- KFin Technologies Pvt. Ltd.,Chadha Complex, G. M. D. Road, Near Tadi Khana Chowk, Moradabad 244001. • Tel. No. : 7518801837• Email: mfsmoradabad@Kfintech.com • Morena :- KFin Technologies Pvt. Ltd.,House No. HIG 959,Near Court, Front of Dr. Lal Lab, Old Housing Board Colony, Morena 476001. • Tel. No. : 7518801838• Email: mfsmorena@Kfintech.com • Mumbai (Fort) :- KFin Technologies Pvt. Ltd., 24/B Raja Bahadur Compound, Ambalal Doshi Marg, Behind BSE Bldg.,Fort, Mumbai - 400001. • Tel. No. :

KFIN INVESTOR SERVICE CENTRES (Contd.,)

022-66235353 • Email: mumbaimfd@Kfintech.com • Mumbai (Vile Parle) : KFin Technologies Pvt. Ltd.,Shop No.1 Ground Floor, Dipti Jyothi Co-operative Housing Society, Near MTNL Office P. M. Road, Vile Parle (East), Mumbai - 400057. Tel. No.: 022-26100967 • Email: VileParleext.mum@Kfintech.com • Muzaffarpur :- KFin Technologies Pvt. Ltd.,First Floor Saroj Complex, Diwam Road, Near Kalyani Chowk,Muzaffarpur 842001. • Tel. No. : 7518801839• Email: mfsmuzaffarpur@Kfintech.com • Mysore :- KFin Technologies Pvt. Ltd., No 2924, 2nd Floor, 1st Main, 5th Cross, Saraswathi Puram, Mysore 570009. • Tel. No. : 0821-2438006• Email: mfsmysore@Kfintech.com • Nadiad :- KFin Technologies Pvt. Ltd., 311-3rd Floor City Center, Near Paras Circle, Nadiad 387001. • Tel. No. : 0268-2563245• Email: mfsnadiad@Kfintech.com • Nagerkoil :- KFin Technologies Pvt. Ltd.,HNO 45 ,1st Floor, East Car Street, Nagercoil 629001. • Tel. No. : 04652 - 233552• Email:mfsnagarkoil@Kfintech.com • Nagpur :- KFin Technologies Pvt. Ltd., Plot No. 2, Block No. B / 1 & 2 , Shree Apratment, Khare Town, Mata Mandir Road,Dharampeth, Nagpur 440010. • Tel. No. : 0712-2533040• Email: nagpurmfd@Kfintech.com • Nanded :- KFin Technologies Pvt. Ltd.,Shop No.4 ,Santakripa Market G G Road,Opp.Bank of India,Nanded 431601. • Tel. No. : 02462-237885• Email: mfsnanded@Kfintech.com • Nasik :- KFin Technologies Pvt. Ltd., S-9 Second Floor, Suyojit Sankul, Sharanpur Road, Nasik 422002. • Tel. No. : 0253-6608999• Email: nasikmfs@Kfintech.com • Navsari :- KFin Technologies Pvt. Ltd.,103 1st Floore Landmark Mall, Near Sayaji Library, Navsari Gujarat, Navsari 396445. • Tel. No. : 9081903040 • Email: mfsnavsari@Kfintech.com • Nellore :- KFin Technologies Pvt. Ltd.,D No:16-5-66 Ramarao Complex, No:2 Shop No:305,3rd Floor, Nagula Mitta Rodad, Opp Bank of baroda,Nellore 524001. • Tel. No. : 0861 2349940• Email: mfsnellore@Kfintech.com • New Delhi :- KFin Technologies Pvt. Ltd., 305 New Delhi House ,27 Barakhamba Road ,-,New Delhi 110001. • Tel. No. : 011- 43681700• Email: delhimfd@Kfintech.com • Noida :- KFin Technologies Pvt. Ltd.,F-21,2nd Floor, Near Kalyan Jewellers, Sector-18,Noida 201301. • Tel. No. : 7518801840• Email: mfsnoida@Kfintech.com • Palghat :- KFin Technologies Pvt. Ltd.,No: 20 & 21, Metro Complex H.P.O. Road Palakkad,H.P.O.Road,Palakkad 678001. • Tel. No. : 9895968533• Email: mfspalghat@Kfintech.com • Panipat :- KFin Technologies Pvt. Ltd.,Preet Tower, 3rd Floor,Near NK Tower,G.T. Road,Panipat 132103. • Tel. No. : 7518801841• Email: mfspanipat@Kfintech.com • Panjim :- KFin Technologies Pvt. Ltd., H. No: T-9, T-10, Affran plaza,3rd Floor, Near Don Bosco High School, Panjim 403001. • Tel. No. : 0832-2426874• Email: panjimmfd@Kfintech.com • Pathankot :- KFin Technologies Pvt. Ltd., 2nd Floor Sahni Arcade Complex, Adj.Indra colony Gate Railway Road, Pathankot, Pathankot 145001. • Tel. No. : 0186-5080188• Email: mfspathankot@Kfintech.com • Patiala :- KFin Technologies Pvt. Ltd., B- 17/423,Lower Mall Patiala, Opp Modi College,Patiala 147001. • Tel. No. : 0175-5004349• Email: mfspatiala@Kfintech.com • Patna :- KFin Technologies Pvt. Ltd.,3A 3Rd Floor Anand Tower, Exhibition Road, Opp ICICI Bank, Patna 800001. • Tel. No. : 0612-4323066• Email: mfspatna@Kfintech.com • Pollachi :- KFin Technologies Pvt. Ltd.,1st Floor, MKG complex, Opp to Gowri Shankar Hotel,-,Pollachi 642001. • Tel. No. : 04259- 235111• Email: mfspollachi@Kfintech.com • Pondicherry :- KFin Technologies Pvt. Ltd.,No 122(10b), Muthumariamman Koil Street,-,Pondicherry 605001. • Tel. No. : 0413-4300710• Email: mfspondy@Kfintech.com • Pune :- KFin Technologies Pvt. Ltd.,Office # 207-210, second Floor,Kamla Arcade, JM Road. Opposite Balgandharva,Shivaji Nagar,Pune 411005. • Tel. No. : 020-66210449• Email: punemfd@Kfintech.com • Raipur :- KFin Technologies Pvt. Ltd.,Office No S-13 Second Floor Reheja Tower, Fafadih Chowk, Jail Road, Raipur 492001. • Tel. No. : 0771-4912611• Email: mfsraipur@Kfintech.com • Rajahmundry :- KFin Technologies Pvt. Ltd., No. 46-23-10/A, Tirumala Arcade, 2nd Floor, Ganuga Veedhi, Danavaipeta, Rajahmundry, East Godavari Dist, AP - 533103. • Tel. No. : 0883-2434468/70• Email: mfsrajahmundry@Kfintech.com • Rajkot :- KFin Technologies Pvt. Ltd.,302 Metro Plaza ,Near Moti Tanki Chowk, Rajkot, Gujarat 360001. • Tel. No. : 9081903025• Email: rajkotmfd@Kfintech.com • Ranchi :- KFin Technologies Pvt. Ltd., Room No 307 3rd Floor, Commerce Tower, Beside Mahabir Tower ,Ranchi 834001. • Tel. No. : 0651-2331320• Email: mfsranchi@Kfintech.com • Ratlam :- KFin Technologies Pvt. Ltd.,1 Nagpal Bhawan Free Ganj Road , Do Batti ,Near Nokia Care ,Ratlam 457001. • Tel. No. : 07412-320398• Email: mfsratlam@Kfintech.com • Renukoot :- KFin Technologies Pvt. Ltd.,C/o Mallick Medical Store, Bangali Katra Main Road, Dist. Sonebhadra (U.P.),Renukoot 231217. • Tel. No. : 7518801842• Email: mfsrenukoot@Kfintech.com • Rewa :- KFin Technologies Pvt. Ltd.,Shop No. 2, Shree Sai Anmol Complex, Ground Floor, Opp Teerth Memorial Hospital, Rewa 486001. • Tel. No. : 7518801843• Email: mfsrewa@Kfintech.com • Rohtak :- KFin Technologies Pvt. Ltd.,Shop No 14, Ground Floor ,Ashoka Plaza, Delhi Road , Rohtak 124001. • Tel. No. : 7518801844• Email: mfsrohtak@Kfintech.com • Roorkee :- KFin Technologies Pvt. Ltd.,Shree Ashadeep Complex 16,Civil Lines, Near Income Tax Office, Roorkee 247667. • Tel. No. : 7518801845• Email: mfsroorkee@Kfintech.com • Rourkela :- KFin Technologies Pvt. Ltd.,2nd Floor, Main Road, Udit Nagar, Sundargarh,Rourekla 769012. • Tel. No. : 0661-2500005• Email: mfsrourkela@Kfintech.com • Sagar :- KFin Technologies Pvt. Ltd., II Floor Above Shiva Kanch Mandir, 5 Civil Lines, Sagar - 470002. • Tel. No. : 07582-402404• Email: mfssagar@Kfintech.com • Saharanpur :- KFin Technologies Pvt. Ltd.,18 Mission Market, Court Road,-,Saharanpur 247001. • Tel. No. : 7518801846 • Email: mfssaharanpur@Kfintech.com • Salem :- KFin Technologies Pvt. Ltd., No.6 NS Complex, Omalur Main Road, Salem 636009. • Tel. No. : 0427-4020300• Email: mfssalem@Kfintech.com • Sambalpur :- KFin Technologies Pvt. Ltd., First Floor; Shop No. 219, Sahej Plaza,Golebazar, Sambalpur 768001. • Tel. No. : 0663-2533437• Email: mfssambalpur@Kfintech.com • Satna :- KFin Technologies Pvt. Ltd.,Jainam Market, Purana Power House Chauraha, Panni Lal Chowk,Satna 485001. • Tel. No. : 7518801847• Email: mfssatna@Kfintech.com • Shillong :- KFin Technologies Pvt. Ltd., Annex Mani Bhawan, Lower Thana Road ,Near R K M Lp School ,Shillong 793001. • Tel. No. : 0364 - 2506106• Email: mfsshillong@Kfintech.com • Shimla :- KFin Technologies Pvt. Ltd.,1st Floor, Hills View Complex, Near Tara Hall, Shimla 171001. • Tel. No. : 7518801849• Email: mfsshimla@Kfintech.com • Shimoga :- KFin Technologies Pvt. Ltd., Jayarama Nilaya,2nd Corss, Mission Compound,Shimoga 577201. • Tel. No. : 08182-228799• Email: mfsshimoga@Kfintech.com • Shivpuri :- KFin Technologies Pvt. Ltd., A. B. Road, In Front of Sawarkar Park, Near Hotel Vanasthali,Shivpuri 473551. • Tel. No. : 7518801850• Email: mfsshivpuri@Kfintech.com • Sikar :- KFin Technologies Pvt. Ltd.,First Floor, Super Tower ,Behind Ram Mandir Near Taparya Bagichi ,-,Sikar 332001. • Tel. No. : 01572-250398 • Email: mfssikar@Kfintech.com • Silchar :- KFin Technologies Pvt. Ltd.,N.N. Dutta Road, Chowchakra Complex, Premtala,Silchar 788001. • Tel. No. : 3842261714• Email: mfssilchar@Kfintech.com • Siliguri :- KFin Technologies Pvt. Ltd., Nanak Complex, 2nd Floor, Sevoke Road, Siliguri 734001. • Tel. No. : 0353-2522579• Email: mfssiliguri@Kfintech.com • Sitapur :- KFin Technologies Pvt. Ltd.,12/12 Surya Complex, Station Road, Uttar Pradesh, Sitapur 261001. • Tel. No. : 7518801851• Email: mfssitapur@Kfintech.com • Solan :- KFin Technologies Pvt. Ltd.,Disha Complex, 1St Floor, Above Axis Bank, Rajgarh Road,Solan 173212. • Tel. No. : 7518801852• Email: mfssolan@Kfintech.com • Solapur :- KFin Technologies Pvt. Ltd.,Block No 06,Vaman Nagar Opp D-Mart,Jule Solapur,Solapur 413004. • Tel. No. : 0217-2300021 / 2300318• Email: mfssolapur@Kfintech.com • Sonepat :- KFin Technologies Pvt. Ltd., 2nd Floor, DP Tower, Model Town, Near Subhash Chowk, Sonepat 131001. • Tel. No. : 7518801853 • Email: mfssonepat@Kfintech.com • Sri Ganganagar :- KFin Technologies Pvt. Ltd., Address Shop No. 5, Opposite Bihani Petrol Pump, NH - 15, Near Baba Ramdev Mandir,Sri Ganganagar 335001. • Tel. No. : 0154-2470177• Email: mfssriganganagar@Kfintech.com • Srikakulam :- KFin Technologies Pvt. Ltd.,D No 4-4-97 First Floor Behind Sri Vijayaganapathi Temple, Pedda relli veedhi, Palakonda Road, Srikakulam 532001. • Tel. No. : 8942229925• Email: mfssrikakulam@Kfintech.com • Sultanpur :- KFin Technologies Pvt. Ltd.,1st Floor, Ramashanker Market, Civil Line,-Sultanpur 228001. • Tel. No. : 7518801854• Email: mfssultanpur@Kfintech.com • Surat :- KFin Technologies Pvt. Ltd.,Office no: -516 5th Floor Empire State Building ,Near Udhna Darwaja, Ring Road, Surat 395002. • Tel. No. : 9081903041 • Email: suratmf@Kfintech.com • Thanjavur :- KFin Technologies Pvt. Ltd.,No 1, Basement, Nallaiyah Complex, Srinivasam Pillai Road,Thanjavur 613001. • Tel. No. : 04362-275415• Email: mfsthanjavur@Kfintech.com • Tirunelveli :- KFin Technologies Pvt. Ltd.,55/18 Jeney Building,S N Road, Near Aravind Eye Hospital, Tirunelveli 627001. • Tel. No. : 0462-4001416• Email: mfstirunelveli@Kfintech.com • Tirupathi :- KFin Technologies Pvt. Ltd.,H.No:10-13-425,1st Floor Tilak Road ,Opp: Sridevi Complex ,Tirupathi 517501. • Tel. No. : 9885995544 / 0877-2255797 • Email: mfstirupathi@Kfintech.com • Tirupur :- KFin Technologies Pvt. Ltd.,No 669A,Kamaraj Road,, Near old collector office, Tirupur 641604. • Tel. No. : 0421-2214221• Email: mfstirupur@Kfintech.com • Tiruvalla :- KFin Technologies Pvt. Ltd., 2nd Floor, Erinjery Complex, Ramanchira, Opp Axis Bank, Thiruvalla 689107. • Tel. No. :04862-211209• Email: mfstiruvalla@Kfintech.com • Trichur/Thrissur :- KFin Technologies Pvt. Ltd.,4th Floor, Crown Tower, Shakthan Nagar, Opp. Head Post Office Thrissur 680001. • Tel. No. : 0487- 6999987• Email: mfstrichur@Kfintech.com • Trichy :- KFin Technologies Pvt. Ltd.,No 23C/1 E V R road, Near Vekkaliamman Kalyana Mandapam,Putthur,-,Trichy 620017. • Tel. No. : 0431-4020227• Email: mfstrichy@Kfintech.com • Trivandrum :- KFin Technologies Pvt. Ltd., Marvel Tower, 1st Floor,Ura-42 Statue,(Uppalam Road Residence Association) ,Trivandrum 695010. • Tel. No. : 0471 - 2725728• Email: mfstrivandrum@Kfintech.com • Tuticorin :- KFin Technologies Pvt. Ltd.,4 - B A34 - A37,Mangalmal Mani Nagar, Opp. Rajaji Park Palayamkottai Road,Tuticorin 628003. • Tel. No. : 0461-2334603 • Email: mfstuticorin@Kfintech.com • Udaipur : KFin Technologies Pvt. Ltd.,Shop No. 202, 2nd Floor Business Centre,1C Madhuvan, Opp G.P.O. Chetak Circle ,Udaipur 313001. Tel. No.: 0294 2429370 • Email: mfsudaipur@Kfintech.com • Ujjain :- KFin Technologies Pvt. Ltd.,Heritage Shop No. 227,87 Vishvavidhyalaya Marg, Station Road, Near ICICI Bank Above Vishal Megha Mart,Ujjain 456001. Tel. No. 0734-4250007 / 08 • Email: mfsujjain@Kfintech.com • Valsad : KFin Technologies Pvt. Ltd.,406 Dreamland Arcade,Opp Jade Blue,Tithal Road,Valsad 396001. Tel. No. 02632-258481 • Email: mfsvalsad@Kfintech.com • Vapi : KFin Technologies Pvt. Ltd., A-8 First Floor Solitaire Business Centre, Opp DCB Bank, GIDC Char Rasta, Silvassa Road,Vapi 396191. Tel. No. 9081903028 • Email: mfsvapi@Kfintech.com • Varanasi : KFin Technologies Pvt. Ltd., D-64/132, 2nd Floor ,KA, Mauza, Shivpurwa, Settlement Plot No 478 Pargana, Dehat Amanat, Mohalla Sigra,Varanashi 221010. Tel. No.7518801855 • Email: varanasimfd@Kfintech.com • Vellore : KFin Technologies Pvt. Ltd.,No 2/19,1st Floor,Vellore City Centre, Anna Salai,Vellore 632001. Tel. No. 0416-41603806 • Email: mfsvellore@Kfintech.com • Vijayanagaram : KFin Technologies Pvt. Ltd.,D No : 20-20-29, 1st Floor, Surya Nagar, Kalavapuvvu Meda,Near Ayodhya Stadium, Dharmapuri Road,Vizianagaram 535002. Tel. No. 08922-236965 • Email: mfsvijayanagaram@Kfintech.com • Vijayawada : KFin Technologies Pvt. Ltd., H. No. 26-23, 1st Floor, Sundaramma Street,GandhiNagar, Krishna,Vijayawada - 520010. Tel. No. : 0866-6604032/39/40 • Email: vijayawadamfd@Kfintech.com • Visakhapatnam : KFin Technologies Pvt. Ltd., DNO : 48-10-40, Ground Floor, Surya Ratna Arcade, Srinagar, Opp Road To Lalitha Jeweller Showroom, Beside Taj Hotel Ladge, Visakhapatnam 530016. Tel. No. 0891-2714125 • Email: vizagmfd@Kfintech.com • Warangal : KFin Technologies Pvt. Ltd.,Shop No. 22, Ground Floor Warangal City Center,15-1-237, Mulugu Road Junction,Warangal 506002.Tel. No. 0870-2441513 • Email: mfswarangal@Kfintech.com • Yamuna Nagar : KFin Technologies Pvt. Ltd., B-V, 185/A, 2nd Floor, Jagadri Road, Near DAV Girls College, (UCO Bank Building) Pyara Chowk, Yamuna Nagar 135001. Tel. No. 7518801857 • Email: mfsyamunanagar@Kfintech.com.

KFIN COLLECTION CENTREDalhousie : KFin Technologies Pvt. Ltd., 2Nd Floor Room no-226,R N Mukherjee Road,,Kolkata,700 001. Tel. No.: 033-24659263. Email.: kolkatamfd@Kfintech.com

Hyderabad : (Gachibowli) Email.: Aqbal.Anis@Kfintech.com

T Nagar/Nungambakkam : No. 23, Cathedral Garden Road, Cathedral Garden Road, Nungambakkam, Chennai - 600 034.Tel. No.: 044 - 28309100. Email.: chennaimfd@Kfintech.com

Borivali : Gomati Smuti, Ground Floor, Jambli Gully, Near Railway Station, Borivali (W), Mumbai - 400 092. Tel. No.: 022- 28916319. Email.: Borivaliext.mum@Kfintech.com

Thane : KFin Technologies Pvt. Ltd., Room No. 302, 3rd Floor, Ganga Prasad, Near RBL Bank Ltd., Ram Maruti Cross Road, Naupada Thane West, Mumbai - 400 602. Tel. No. : 022 25303013.Email. : Thaneext.mum@Kfintech.com

Vashi : KFin Technologies Pvt. Ltd.,Vashi Plaza, Shop No. 324, C Wing, 1st Floor, Sector 17, Vashi, Navi Mumbai - 400 705. Tel. No. : 022 27802684. Email. : Vashiext.mum@Kfintech.com

KFin Technologies Pvt. Ltd.,Selenium Plot No: 31 & 32,Tower B Survey No.115/22 115/24 115/25,Financial District Gachibowli Nanakramguda Serilimgampally Mandal,Hyderabad,500032. Tel. No.: 040-33215122

KFin Technologies Pvt. Ltd.,

KFin Technologies Pvt. Ltd.,

Contact Points :Toll Free Number : 1-800-267 0189 l Email: info@barodamf.com l Website: www.barodamf.comPOINTS OF SERVICE (“POS”) of MF UTILITIES INDIA PRIVATE LIMITED (‘MFUI’) Investor Service Centres for transactions through MF Utility (“MFU”)Both financial and non-financial transactions pertaining to the Scheme can be done through MFU at the authorized POS of MFUI. The details of POS published on MFU website at www.mfuindia.com will be considered as the Investor Service Centres for transactions in the Scheme.

Registered Office :

Baroda Asset Management India Limited(Formerly known as Baroda Pioneer Asset Management Company Limited)CIN: U65991MH1992PLC069414501 Titanium, 5th Floor, Western Express Highway, Goregaon (E), Mumbai - 400 063. Phone: +91 22 6848 1000 / 4219 7999. Fax: +91 22 6848 1001.

Branch Offices :

Flat No. 103 & 104, First Floor, Prakash Deep Building, 7 Tolstoy Marg, New Delhi - 110 001. Phone: +91 011- 43514662, Fax: +91 11 4592117.

HP Complex, Flat No. 12, 3rd Floor, Door No. 124/1, 2 & 3 New No. 14, G. N. Chetty Road, T. Nagar, Chennai - 600 017. Phone: +91 044- 2834 3530, Fax: +91 044 - 2834 3539

G -101, Ground Floor, SKI High Building 11/05 , Park Road, Hazratganj Lucknow-226 001.

Baroda Asset Management India Limited(Formerly known as Baroda Pioneer Asset Management Company Limited)

Baroda Asset Management India Limited(Formerly known as Baroda Pioneer Asset Management Company Limited)

Baroda Asset Management India Limited*(Formerly known as Baroda Pioneer Asset Management Company Limited)

Phone: +91 0522- 43514564.

Baroda Asset Management India Limited(Formerly known as Baroda Pioneer Asset Management Company Limited)Raheja Arcade, No. 1/1, Commercial Permises No. 246, 2 nd Floor, Koramangala Industrial layout, Hosur Road, Bangalore - 560 095. Phone: +91 9884078407* Currently not an Investor Service Centre.

*The Bank of Baroda logo belongs to Bank of Baroda and is used under license.

BARODA MUTUAL FUND - CENTRES

Ongoing offer & issue of units at Applicable NAVThis product is suitable for investors who are seeking*

Baroda Multi Cap Fund(Multi Cap Fund - an open ended equity scheme investing across large cap, mid cap and small cap stocks)

• Capital appreciation over long term.

• Investment predominantly in equity and equity related instruments.

Riskometer

Investors understand that their principal will be at moderately high risk

LOW HIGH

Moderate ModeratelyHighModerately

Low

HighLo

w

Baroda ELSS’96(An open ended equity linked saving scheme with a statutory lock in of 3 years and tax benefit)

• Capital growth over long term.

• Investment predominantly in equity and equity-related instruments. Investors understand that their principal will be at moderately high risk

LOW HIGH

Moderate ModeratelyHighModerately

Low

HighLo

w

Baroda Hybrid Equity Fund(An open ended hybrid scheme investing predominantly in equity and equity related instruments.)

• Capital appreciation along with stability over long term.• Investment predominantly in equity and equity related instruments with

balance exposure to money market instruments and debt securities. Investors understand that their principal will be at

moderately high risk

LOW HIGH

Moderate ModeratelyHighModerately

Low

HighLo

w

Baroda Banking and Financial Services Fund(An open ended equity scheme investing in the Banking and Financial Services sector)

• Capital appreciation over long term.• Investment predominantly in equity and equity related securities of companies

engaged in the Banking & Financial Services Sector. Investors understand that their

principal will be at high risk

LOW HIGH

Moderate ModeratelyHighModerately

Low

HighLo

w

Baroda Large Cap Fund(Large Cap Fund - An open-ended equity scheme pre-dominantly investing in large cap stocks)• Capital appreciation over long term.• Investment predominantly in a diversified portfolio of equity

equity related securities of Large Cap companies.and LOW

Investors understand that their principal will be at Moderately High risk

HIGH

Moderate ModeratelyHighModerately

Low

HighLo

w

Baroda Mid-Cap Fund(Mid Cap Fund - An open-ended equity scheme pre-dominantly investing in mid cap stocks)• Capital appreciation over long term.• Investment predominantly in equity and equity related

securities of growth oriented Mid-Cap stocks.Investors understand that their

principal will be at high risk

LOW HIGH

Moderate ModeratelyHighModerately

Low

HighLo

w

Baroda Dynamic Equity Fund(An open ended dynamic asset allocation fund)

• Capital appreciation over medium to long term.

• Investment in equity and equity linked securities as well as debt and money market instruments while managing risk through active asset allocation. Investors understand that their principal will be at

moderately high risk

LOW HIGH

Moderate ModeratelyHighModerately

Low

HighLo

w

Key Information Memorandum cum Application Form

Baroda Equity Savings Fund(An open-ended equity scheme investing in equity, arbitrage and debt instruments)

• Long term capital appreciation and income generation.

• Investment in equity and equity related securities, arbitrage opportunities, and debt and money market instruments.

This Key Information Memorandum (KIM) sets forth the information, which a prospective investor ought to know before investing. For further details of the Schemes/Mutual Fund, due diligence certificate by the AMC, Key Personnel, investors’ rights & services, risk factors, penalties & pending litigations etc. investors should, before investment, refer to the Scheme Information Document and Statement of Additional Information available free of cost at any of the Investor Service Centres or distributors or from the website www.barodamf.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.This document is dated January 27, 2020.

Investment Manager: Baroda Asset Management India Limited

(Formerly known as Baroda Pioneer Asset Management Company Limited)CIN : U65991MH1992PLC069414

*Investors should consult their financial advisers if in doubt about whether the product is suitable for them.

Sponsor: Bank of Baroda

Regd. Office: Baroda House, P. B. No. 506,

Mandvi, Baroda - 390006. Regd. Office : 501, Titanium, 5th Floor, Western Express Highway, Goregaon (East), Mumbai - 400 063.

Trustee:Baroda Trustee India Private Limited

(Formerly known as Baroda Pioneer Trustee Company Private Limited)CIN : U74120MH2011PTC225365

Investors understand that their principal will be at moderately high risk

LOW HIGH

Moderate ModeratelyHighModerately

Low

HighLo

w

Key Information Memorandum cum Application Form

2

Name and Type of Schemes

Baroda Mid-Cap Fund (Mid Cap Fund - An open-ended equity scheme pre-dominantly investing in mid cap stocks)

Baroda Hybrid Equity Fund (An open ended hybrid scheme investing predominantly in equity and equity related instruments)

Investment Objective

Baroda Large Cap Fund The primary objective of the scheme is to generate capital appreciation by investing predominantly in a diversified portfolio of equity and equity related securities of large cap companies. The scheme may also invest in debt and money market securities. However, there is no assurance or guarantee that the investment objective of the scheme will be realized.

Baroda Hybrid Equity Fund The scheme is targeted for long-term capital appreciation along with stability through a well balanced portfolio comprising of equity, equity related instruments, money market instruments & debt securities.

Baroda Banking and The investment objective is to generate long-term capital appreciation for unit holders from a portfolio invested equity and equity related securities of companies engaged in the Banking & Financial Services Sector.

Baroda Dynamic Equity Fund The primary objective of the Scheme is to generate capital appreciation by investing in a portfolio of equity or equity linked securities while the secondary objective is to generate income through investments in debt and money market instruments. It also aims to manage risk through active asset allocation.

Baroda Equity Savings Fund The primary objective of the Scheme is to generate capital appreciation and income by using arbitrage opportunities, investment in equity / equity related instruments and debt/ money market instruments. However, there is no assurance or guarantee that the investment objective of the Scheme will be realized.

Asset Allocation Pattern of Scheme Name Type of Instrument Indicative Allocation Risk Profilethe Schemes Minimum

Baroda Multi Cap Fund (Multi Cap Fund - An open ended equity scheme investing across large cap, mid cap and small cap stocks)

Baroda ELSS’96 (An open ended equity linked saving scheme with a statutory lock in of 3 years and tax benefit)

Baroda Large Cap Fund (Large Cap Fund - An open-ended equity scheme pre-dominantly investing in large cap stocks)

Baroda Banking and Financial Services Fund (An open ended equity scheme investing in the Banking and Financial Services Sector)

Baroda Dynamic Equity Fund (An open ended dynamic asset allocation fund)

Baroda Equity Savings Fund (An open-ended equity scheme investing in equity, arbitrage and debt instruments)

Baroda Multi Cap Fund The main objective of the scheme is to generate long term capital appreciation from an actively managed portfolio of equity & equity related instruments.

Baroda ELSS’96 The main objective of the scheme is to provide the investor long term capital growth as also tax benefit under section 80C of the Income Tax Act, 1961.

Baroda Mid-Cap Fund The primary objective of the scheme is to generate capital appreciation by investing predominantly in a diversified portfolio of equity and equity related securities of growth oriented mid cap stocks. However, there is no assurance or guarantee that the investment objective of the scheme will be realized.

Financial predominantly inServices Fund

Maximum

Baroda Multi Cap Fund Equity & Equity related Instruments 75 100 High to mediumMoney Market Instruments & Debt Securities 0 25 Medium to lowThe Scheme will not invest in securitized debt. The Scheme may take derivatives position based on the opportunities available subject to the guidelines issued by SEBI from time to time and in line with the overall investment objective of the Scheme. These may be taken to hedge the portfolio, rebalance the same or to undertake any other strategy as permitted under the SEBI Regulations. The Scheme shall, under normal circumstances, not have exposure of more than 10% of its net assets in derivative instruments.In addition to the instruments stated in the above table, the Scheme may invest in Tri-party repo as an alternative investment as may be provided by RBI to meet the liquidity requirements.

Baroda ELSS’96 Equity & Equity related Instruments 80 100 High to mediumMoney Market Instruments & Debt Securities 0 20 Medium to lowNo investment will be made in securitized debt, including foreign securitized debt.The Scheme may take derivatives position based on the opportunities available, subject to the guidelines issued by SEBI from time to time and in line with the overall investment objective of the Scheme. These may be taken to hedge the portfolio, rebalance the same or to undertake any other strategy as permitted under the SEBI Regulations. The Scheme shall, under normal circumstances, not have exposure of more than 50% of its net assets in derivative instruments.In addition to the instruments stated in the above table, the Scheme may invest in Tri-party repo as an alternative investment as may be provided by RBI, to meet liquidity requirements.

Baroda Large Cap Fund Equity & Equity related Instruments including derivatives ̂ of large cap companies 80 100 Medium to HighEquity & Equity related Instruments including derivatives ̂ of other than large cap companies 0 20 HighDebt ,money market instruments and cash 0 20 Low to MediumInvestments in REITs and InvITs 0 10 High

^ Investment in equity derivatives may be made up to 50% of the net assets of the scheme.Large cap companies may be defined to include companies from the 1st to the 100th company in terms of the average full market capitalization for the half year ended June / December as may be applicable, as disclosed by AMFI. The investment universe may also include Initial Public Offerings (IPOs), whose market capitalization would meet the above criteria.The scheme may invest in securitized debt upto 20% of its net assets. The Scheme will not invest in foreign securitized debt. The scheme may take derivative positions based on the opportunities available, subject to the guidelines issued by SEBI from time to time, and in line with the overall investment objective of the Scheme. These may be taken to hedge or rebalance the portfolio, or to undertake any other strategy as may be permitted under the Regulations from time to time. However, the scheme does not intend to take any position in fixed income derivatives including interest rate swaps.The scheme does not intend to undertake/invest/engage in repos in corporate debt, Credit Default Swaps (CDS) transactions, short selling and stock lending, and equity linked debentures.

Baroda Mid Cap Fund Equity & Equity related Instruments including derivatives ^ of mid cap companies 65 100 High

Equity & Equity related Instruments including derivatives ^ of large cap & small cap companies 0 35 Medium to High

Debt ,money market instruments and cash 0 35 Low to Medium

Investments in REITs and InvITs 0 10 High

^Investment in equity derivatives may be made up to 50% of the net assets of the scheme.Large cap companies may be defined to include companies from the 1st to the 100th company in terms of the average full market capitalization for the half year ended June / December as may be applicable, as disclosed by AMFI.Mid cap companies may be defined to include companies from the 101st to the 250th company in terms of the average full market capitalization for the half year ended June / December as may be applicable, as disclosed by AMFI.Small cap companies may be defined to include companies from 251st onwards, in terms of the average full market capitalization for the half year ended June / December as may be applicable, as disclosed by AMFI.The scheme may invest in securitized debt upto 20% of its net assets. The scheme may take derivative positions based on the opportunities available, subject to the guidelines issued by SEBI from time to time, and in line with the overall investment objective of the scheme. These may be taken to hedge or rebalance the portfolio, or to undertake any other strategy as may be permitted under the Regulations from time to time. However, the Scheme does not intend to take any position in fixed income derivatives including interest rate swaps.The Scheme does not intend to undertake/invest/engage in repos in corporate debt, short selling and stock lending, and equity linked debentures.

3

Asset Allocation Pattern of Scheme Name Type of Instrument Indicative Allocation Risk Profile

the Schemes (Contd.,) Minimum Maximum

Baroda Hybrid Equity Fund Equity & Equity related Instruments 65 80 High to Medium

Debt Securities and Money Market Instruments 20 35 Medium to LowInvestments in REITs and InvITs 0 10 High

The scheme may invest in securitized debt upto 50% of its net assets. Scheme will not invest in foreign securitised debt.

The scheme may take derivatives positions upto 50% of the net assets of the scheme, based on the opportunities available and in line with the overall investment objective of the scheme, subject to the guidelines issued by SEBI from time to time. These may be taken to hedge or rebalance the portfolio, or to undertake any other strategy as may be permitted under the Regulations from time to time.

In addition to the instruments stated in the above table, the Scheme may invest in Tri Party Repo as an alternative investment as may be provided by RBI to meet the liquidity requirements.

Baroda Banking and Financial Equity & Equity related securities of companies engaged in Banking & Financial Services 80 100 High to Medium Services Fund Sector

Debt and Money Market Instruments 0 20 Medium to Low

Investments in REITs and InvITs 0 10 High

*Investment in derivatives may be made upto 50% of the net assets of the scheme. The scheme may invest in securitized debt upto 20% of its net assets. The Scheme will not invest in foreign securitised debt.

The scheme may take derivative position based on the opportunities available subject to the guidelines issued by SEBI from time to time and in line with the overall investment objective of the scheme. These may be taken to hedge the portfolio, rebalance the same or to undertake any other strategy as permitted under the SEBI Regulations.

Baroda Dynamic Equity Equity & Equity related securities 65 100 High

Fund Debt and money market instruments* 0 35 Low to Medium

Investments in REITs and InvITs 0 10 Medium to High

* Investment in securitized debt will not exceed 10% of the net assets of the Scheme.

The Scheme will not invest in foreign securitized debt.

Gross equity exposure is maintained between 65% to 100% and the net long equity exposure will be between 30% to 100%. The Scheme may take derivatives positions up to 50% of the net assets of the Scheme, based on the opportunities available, subject to the guidelines issued by SEBI from time to time, and in line with the overall investment objective of the Scheme. These may be taken to hedge or rebalance the portfolio, or to undertake any other strategy as may be permitted under the Regulations from time to time.

Baroda Equity Savings Fund Equity & Equity related securities of which: 65 90 High

Equity & Equity related securities (unhedged) 0 50 High

Equities, equity related securities and derivatives including index futures, stock futures, 15 90 Medium to Highindex options, & stock options, etc. as part of hedged / arbitrage exposure (hedged)

Debt and money market instruments * 10 35 Low to Medium

Investments in REITs and InvITs 0 10 High

* Investment in securitized debt will not exceed 10% of the net assets of the Scheme. The Scheme will not invest in foreign securitized debt.

Gross equity exposure will be maintained between 65% to 90% and the net long equity exposure will be between 0% to 50%. The Scheme may take derivatives positions up to 65% of the net assets of the Scheme, based on the opportunities available, subject to the guidelines issued by SEBI from time to time, and in line with the overall investment objective of the Scheme. These may be taken to hedge or rebalance the portfolio, or to undertake any other strategy as may be permitted under the Regulations from time to time.

(Applicable to all equity schemes)

Common points for all open ended equity schemes:

1. The scheme may invest in foreign securities including ADRs/GDRs upto 25%* of its net assets subject to maximum of US$ 300 million in the aggregate at the Mutual Fund level, as per the SEBI circular nos. SEBI/IMD/CIR No.7/104753/07 dated September 26, 2007 and SEBI/IMD/CIR no. 2 / 122577 / 08 dated April 8, 2008. (Not applicable to BMCF and BELSS).

*10% in case of BDEF and BESF

2. The scheme shall not invest in equity linked debentures.

3. The Scheme may undertake repo transactions in corporate debt securities in accordance with the directions issued by SEBI / RBI from time to time and in line with the policy approved by the Board of Directors of the AMC and Trustee Company. (Applicable to BMCF, BELSS and BHEF)

4. The cumulative gross exposure through equity, debt (if any) and derivative positions shall not exceed 100% of the net assets of the scheme. However, cash or cash equivalents with residual maturity of less than 91 days may be treated as not creating any exposure.

5. Pending deployment of the funds in securities as per the investment objectives of the Scheme, the Fund may park the funds of the Scheme in short term deposits of Scheduled Commercial Banks, subject to the guidelines issued by SEBI vide its circular dated April 16, 2007 and as may be amended from time to time.

6. The asset allocation shown above is indicative and may be altered depending upon market conditions.

Change in investment pattern and rebalancing of portfolio

Subject to the Regulations, the asset allocation pattern indicated above may change from time to time, keeping in view market conditions, market opportunities, applicable regulations and political and economic factors. It must be clearly understood that the percentages stated above are only indicative and not absolute, and that they can vary substantially, depending upon the perception of the Investment Manager; the intention being at all times to seek to protect the interests of the Unit holders.

Such changes in the investment pattern will be for a short term and for defensive considerations only. In the event of such a deviation, the fund manager will rebalance the portfolio within 30 days from the date of deviation. If, however, the portfolio is not rebalanced within the said 30 days, justification for not rebalancing will be placed before the Investment Committee of the AMC and effective steps would be taken as may be decided by the Investment Committee. At all points of time, the portfolio will be in line with the investment objective of the Scheme.

Investors may please note that any change in the asset allocation pattern, other than that envisaged above, and hence affecting the investment profile of the Scheme, shall be construed as a change in fundamental attribute, and shall be effected only in accordance with the provisions of sub regulation (15A) of Regulation 18 of the Regulations.

7. Subject to the SEBI (MF) Regulations and in accordance with the framework for short selling and borrowing and lending of securities notified by SEBI vide circular No MRD/DoP/SE/Dep/Cir-14/2007 dated December 20, 2007, as may be amended from time to time, the Scheme intends to engage in stock lending. Stock lending means the lending of stock to another person or entity for a fixed period of time, at a negotiated compensation in order to enhance returns of the portfolio. The securities lent will be returned by the borrower on the expiry of the stipulated period. The Scheme may engage in short selling in accordance with the framework relating to short selling and securities lending and borrowing specified by SEBI. The Scheme shall adhere to the following limits should it engage in stock lending:

a. Not more than 20% of the net assets of the Scheme can generally be deployed in stock lending.

b. Not more than 5% of the net assets of the Scheme can generally be deployed in stock lending to any single counter party.

The Scheme may not be able to sell such lent out securities and this can lead to temporary illiquidity. (Applicable to BESF and BDEF)

8. The Scheme will invest in debt instruments of investment grade and/or unrated debt securities. “Investment grade” means investment grade by a credit rating agency authorised to carry out such activity under the Regulations. The Scheme retains the flexibility to invest across all securities in the debt and money markets as permitted by SEBI / RBI from time to time. In addition to the instruments stated in the above table, the Scheme may enter into reverse repos in government securities as may be permitted by SEBI and RBI and in Triparty Repo in line with relevant RBI regulations.

The Scheme does not intend to undertake/invest/engage in Credit Default Swaps (CDS) transactions. (Applicable to BLCF, BMCF, BESF and BDEF)

Risk Profile of the Schemes Mutual Fund Units involve investment risks, including the possible loss of principal. Please read the relevant SID carefully for details on risk factors before investment. Scheme specific Risk Factors are summarized below:

Risks associated with investing in Equity and Equity Related Securities

• Equity instruments carry both company specific and market risks and hence no assurance of returns can be made in respect of these investments.

• Equity and equity related securities are prone to daily price fluctuations and the liquidity of investments made in the Schemes may be restricted by trading volumes and settlement periods. Settlement periods may be extended significantly due to unforeseen circumstances. The inability of the Schemes to make intended securities

purchases, due to settlement problems, could cause the Schemes to miss certain investment opportunities. Likewise, the inability to sell securities held in the Scheme s portfolio could result, at times, in potential losses to the Schemes, should there be a subsequent decline in the value of securities held in the Scheme’s portfolio. Also, the value of the Schemes’ investments may be affected by fluctuations in interest rates, currency exchange rates, changes in laws/policies of the government, taxation laws and political, economic or other developments which may have an adverse bearing on individual securities, a specific sector or all sectors.

Risks associated with companies operating in the Banking and Financial Services Sector (Applicable only to Baroda Banking and Financial Services Sector):

• As the Scheme will invest in the equity and equity related securities of companies in the Banking & Financial Services sector, it may be affected by the risks associated with such companies, such as interest rate, credit, market and operational risks.

• The Banking & Financial Services sector is subject to extensive Government regulation, which may change frequently. Performance of this sector depends on availability and cost of money, and may fluctuate in response to change in interest rates and general economic conditions. Also, as businesses in this sector operate on substantial financial leverage, the value of investments in this sector may be impacted more than the value of investments outside the sector.

Applicable to Baroda Dynamic Equity Fund and Baroda Equity Savings Fund :

Applicable to Baroda Mid-Cap Fund: Mid-Cap stocks may be more volatile & less liquid than large cap companies. Investors therefore, should assume that illiquidity risks are higher in this Scheme than in a normally diversified equity fund. Thus, relative to larger, more liquid stocks, investing in Mid-Cap stocks involves potentially greater volatility and risk.

Risks associated with repo transactions in corporate debt (Applicable to Baroda Multi Cap Fund, Baroda ELSS’96 and Baroda Hybrid Equity Fund)

The Scheme may be exposed to counter party risk in case of repo lending transactions in the event of the counterparty failing to honour the repurchase agreement. However, in repo transactions, the collateral may be sold, and a loss is realized only if the sale price is less than the repo amount. The risk is further mitigated through over-collateralization (the value of the collateral being more than the repo amount).

Risks associated with transaction in Units through Stock Exchange mechanism (Applicable for all schemes): Allotment and/or redemption of Units through NSE or BSE or any other recognized stock exchange on any Business Day will depend upon the modalities of processing viz. collection of application form, order processing, settlement, etc., upon which the Schemes have no control. Moreover, transactions conducted through the stock exchange mechanism will be governed by the operating guidelines and directives issued by the relevant recognized stock exchange.

Please refer Scheme Information Document (SID) for risk associated with investing in REITS and InvITs , securitized debt and Foreign securities.

Risk Mitigation/ Management Investments in equity and equity related securities carry various risks such as inability to sell securities, trading volumes and settlement periods, liquidity risk, default risk,reinvestment risk etc. Whilst such risks cannot be eliminated, they may be mitigated by diversification and hedging. Further, the portfolio of a Scheme will be constructed in accordance with the investment restrictions specified under the SEBI (Mutual Funds) Regulations, which would help in mitigating certain risks relating to investments in securities market.

Investment in debt securities carries various risks such as inability to sell securities, trading volumes and settlement periods, interest rate risk, liquidity risk, default risk, reinvestment risk etc. Whilst such risks cannot be eliminated, they may be mitigated by diversification.

Plans & Options Each Scheme has the following Plans: For Baroda Dynamic Equity Fund and for Baroda Equtiy Savings Fund: Regular & Direct Plans

(i) Plan A/ Regular Plan is meant for investors who route their investments through distributors only. (ii) Plan B (Direct)/ Direct Plan - Plan B (Direct)/ Direct Plan is meant for direct investments, i.e. for investors who purchase/subscribe to the units of the Scheme directly with the Fund, and is not available for investors who route their investments through a Distributor.

Both Plans will have a common portfolio, but Plan B (Direct)/ Direct Plan will have a lower expense ratio on account of absence of brokerage and commission. Hence both plans will have distinct NAVs.

The details of Options / Sub-Options (available under each Plan) are as under:

(a) Growth Option (Default) (b) Dividend Option - Payout Sub-Option and Reinvestment sub-Option (Default).

Reinvestment sub option is not available for Baroda ELSS’96

If the Dividend under the Payout not available of the Schemes is less than or equal to ` 200 (except for BELSS’96), it will, by default, be reinvested under the Reinvestment sub-option. Dividend Reinvestment sub-option shall not be available to investors who transact through the stock exchange in dematerialized mode.In order to have a uniform disclosure on treatment of applications under “Direct” / “Regular” Plans, the following disclosures are made :

Scenario Broker Code mentioned by the investor Plan mentioned by the investor Default Plan to be captured

1 Not mentioned Not mentioned Direct Plan

2 Not mentioned Direct Direct Plan

3 Not mentioned Regular Direct Plan

4 Mentioned Direct Direct Plan

5 Direct Not Mentioned Direct Plan

6 Direct Regular Direct Plan

7 Mentioned Regular Regular Plan

8 Mentioned Not Mentioned Regular Plan

In cases of wrong/ invalid/ incomplete ARN codes mentioned on the application form, the application shall be processed under Regular Plan. The AMC shall contact and obtain the correct ARN code within 30 calendar days of the receipt of the application form from the investor/ distributor. In case, the correct code is not received within 30 calendar days, the AMC shall reprocess the transaction under Direct Plan from the date of application without any exit load.

Applicable NAV Purchase Applicable NAV

In respect of valid applications received up to 3 p. m. along with a local cheque Closing NAV of the day of acceptance of applicationat the place where applications are received

In respect of valid applications received after 3 p. m. along Closing NAV of the next Business Dayat the place where applications are received

In respect of valid applications with outstation Closing NAV of the day on which the cheque are received

(a) In respect of valid subscription applications for amounts equal to or more than ̀ 2 lakhs, Units will be allotted based on the NAV of the day on which the funds are realized up to 3.00 p.m., subject to the transaction being time-stamped appropriately. (b) In respect of all valid applications for amounts less than 2 lakh, allotment of Units will be based on the NAV as per the time stamp.

For allotment of Units for an amount equal to or more than 2 lakh, it shall be ensured that:

(i) Application is received before the applicable cut-off time.(ii) Funds for the entire amount of subscription/purchase as per the application are credited to the bank account of the Scheme before the cut-off time.(iii) The funds are available for utilization before the cut-off time without availing any credit facility whether intra-day or otherwise, by the Scheme .

Re-Purchase / Redemption Applicable NAV

Where the application is received upto 3.00 p. m. Closing NAV of the day of receipt of application

Where the application is received after 3.00 p. m. Closing NAV of the next Business Day

Please note that in respect of Baroda ELSS’96, redemption of units can be made only after completion of three years of lock-in period from the date of allotment of units proposed to be redeemed.

Investors may note that for transactions through the stock exchange, Applicable NAV shall be reckoned on the basis of the time stamping as evidenced by the confirmation slip given by the stock exchange mechanism.

’

Strategy

Option

payable at par

with a local cheque payable at par

cheque not payable at par at the place where is creditedapplications

`

`

• The Scheme attempts to manage risk through active asset allocation. Based on the historical analysis done by the AMC, such a scheme is able to generate a lower risk profile compared to a 100% equity investment strategy. However, there is no certainty that the active asset allocation approach will be able to manage risk as effectively going forward.

• The quantitative model is based on the analysis of past performance of fundamental factors, which have relevance to equity and fixed income markets. If the relevance of these factors to influence the respective markets diminishes, it will impact asset allocation and consequently, returns of the Scheme will be impacted.

• Valuation parameters chosen and the weights assigned are based on the historical analysis and may not hold well in the future if there is extreme change in the perception of the market participants.

• During periods of extreme volatility in short period of time, the model may underperform the benchmark for short term, however this is likely to average out in the longer term.

• The Scheme would be rebalanced on a monthly basis. Any sharp volatility in short term may impact the desired asset allocation and hence, the Scheme returns.

Dividend Reinvestment sub-option shall not be available to investors who transact through the stock exchange in dematerialized mode.

4

5

No minimum amount

The time of transaction done through electronic mode (including online facility), for the purpose of determining the applicability of NAV, would be the time when the request for purchase / sale / switch of units is received in the servers of AMC/Registrar.

The cut off time for the tele transact facility is 2.00 p.m. for purchases on all business days. If the call is received after the above cut off time, the same would be considered as transaction for the next business day. All calls received up to the specified cut off times, shall be eligible for the applicable NAV.

‘Switch in’ transactions will be treated as if they were purchase transactions and ‘switch out’ transactions will be treated as if they were repurchase transactions. In case of ‘switch’ transactions from one scheme to another the allocation shall be in line with redemption payouts.

Minimum Application Amount Schemes Purchase Additional Purchase Repurchase

Baroda Mid-Cap Fund 5,000/- and in multiples 1,000/- and in multiples of 1/- thereafter of 1/- thereafter

Baroda Hybrid Equity Fund 5,000/- and in multiple 1,000/- and in multiples of 1/- thereafter of 1/- thereafter

Baroda Banking and 5,000/- and in multiple 1,000/- and in multiples of 1/- thereafter of 1/- thereafter

Despatch of Repurchase Redemption or repurchase proceeds shall be dispatched to Unit Holders within 10 working days from the date of redemption or repurchase request at the official points(Redemption) Request of acceptance of Baroda Mutual Fund.

Benchmark Index

Baroda Hybrid Equity Fund CRISIL Hybrid 35 + 65 - Aggressive Index Baroda Banking and Financial Services Fund Nifty Bank Index TRI

Baroda Dynamic Equity Fund 50% S&P BSE 200 Index TRI and 50% CRISIL Short Term Bond Fund Index

Baroda Equity Savings Fund

Disclaimer for Nifty Bank Index: Baroda Banking and Financial Services Fund (“Scheme”) offered by Baroda Mutual Fund is not sponsored, endorsed, sold or promoted by India Index Services & Products Limited (“IISL”). IISL does not make any representation or warranty, express or implied (including warranties of merchant ability or fitness for particular purpose or use) and disclaims all liability to the owners of the said scheme or any member of the public regarding the advisability of investing in securities generally or in the said scheme linked to Nifty Bank Index or particularly in the ability of the Nifty Bank Index to track general stock market performance in India. Please read the full disclaimers in relation to the Nifty Bank Index in the Offer Document / Prospectus / Information Statement. (Applicable to Baroda Banking and Financial Services Fund).

S&P BSE 500: The schemes offered by Baroda Mutual Fund is not sponsored, endorsed, sold or promoted by India Index Services & Products Limited (“IISL”). IISL does not make any representation or warranty, express or implied (including warranties of merchantability or fitness for particular purpose or use) and disclaims all liability to the owners of the said Scheme or any member of the public regarding the advisability of investing in securities generally or in the said Scheme linked to S&P BSE 500 or particularly in the ability of the S&P BSE 500 and to track general stock market performance in India. Please read the full disclaimers in relation to the S&P BSE 500 in the Offer Document / Prospectus / Information Statement. (Applicable for Baroda Multi Cap Fund)

Disclaimer for S&P BSE 200: The schemes offered by Baroda Mutual Fund are not sponsored, endorsed, sold or promoted by India Index Services & Products Limited ("IISL"). IISL does not make any representation or warranty, express or implied including warranties of merchantability or fitness for particular purpose or use and disclaims all liability to the owners of the said schemes or any member of the public regarding the advisability of investing in securities generally or in the said schemes linked to S&P BSE 200 or particularly in the ability of the S&P BSE 200 and to track general stock market performance in India. Please read the full disclaimers in relation to the S&P BSE 200 and in the Offer Document / Prospectus / Information Statement. (Applicable to Baroda ELSS'96 & Baroda Dynamic Equity Fund)

Disclaimer for Nifty 100 : Baroda Large Cap Fund (“Scheme”) offered by Baroda Mutual Fund is not sponsored, endorsed, sold or promoted by India Index Services & Products Limited (“IISL”). IISL does not make any representation or warranty, express or implied (including warranties of merchant ability or fitness for particular purpose or use) and disclaims all liability to the owners of the said Scheme or any member of the public regarding the advisability of investing in securities generally or in the said Scheme linked to Nifty100, or particularly in the ability of the Nifty 100, to track general stock market performance in India. (Applicable to Baroda Large Cap Fund).

S&P BSE Mid-Cap Index: The S&P BSE Mid-Cap Index is a product of AIPL, a joint venture among affiliates of S&P Dow Jones Indices LLC (“SPDJI”) and BSE Limited (“BSE”),and has been licensed for use by Baroda Asset Management India Ltd. Standard & Poor’s® and S&P® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”); BSE® is registered trademarks of BSE Limited; Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by AIPL and sub licensed for certain purposes by Baroda Asset Management India Ltd. Baroda Mid-Cap Fund is not sponsored, endorsed, sold or promoted by SPDJI, BSE, Dow Jones, S&P or their respective affiliates and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P BSE Mid-Cap Index. (Applicable to Baroda Mid-Cap Fund).

Dividend Policy Under the Dividend Option, the Trustee may declare dividends, subject to availability and adequacy of distributable surplus, calculated in accordance with the SEBI Regulations, and the decision of the Trustee shall be final in this regard. There is no assurance or guarantee to the Unit holders as to the rate of dividend or that dividend will be paid regularly. The procedure and manner of payment of dividend shall be in line with SEBI circular / guidelines no. SEBI / IMD / CIR No. 1 / 64057 / 06 dated April 04, 2006 and SEBI / IMD / CIR No. 3 / 65370 / 06 dated April 21, 2006 as amended from time to time.

Name of the Fund Managers Schemes Fund Manager(s)

Baroda Multi Cap Fund

Baroda ELSS’96

Baroda Hybrid Equity Fund Mr. Dipak Acharya and Mr Sanjay Chawla. Mr. Dipak Acharya is managing the scheme since inception. Mr. Chawla ismanaging the scheme along with Mr. Acharya effective November 1, 2015.

Baroda Multi Cap Fund ` 5,000/- and in multiples ` 1,000/- and in multiples of ` 1/- thereafter of ` 1/- thereafter

Baroda ELSS’96 ` 500/- and in multiples ` 500/- and in multiplesof ` 1/- thereafter of ` 1/- thereafter

Baroda Large Cap Fund ` 5,000/- and in multiples ` 1,000/- and in multiples of ` 1/- thereafter of ` 1/- thereafter

` `` `

` `` `

Financial Services ` `Fund ` `

Baroda Dynamic Equity Fund ` 5,000/- and in multiple ` 1,000/- and in multiples of ` 1/- thereafter of ` 1/- thereafter

Baroda Equity Savings Fund ` 5,000/- and in multiple ` 1,000/- and in multiples of ` 1/- thereafter of ` 1/- thereafter

Baroda Multi Cap Fund S&P BSE 500 TRI Baroda ELSS '96

Baroda Large Cap Fund Nifty 100 TRI Baroda Mid-Cap Fund S&P BSE Mid-Cap Index TRI

TRI TRI.

Disclaimer for

Mr. Dipak Acharya and Mr. Sanjay Chawla. Mr. Dipak Acharya is managing the scheme since inception.

Mr. Chawla is managing the scheme along with Mr. Acharya effective November 1, 2015.

Baroda Large Cap Fund Mr. Sanjay Chawla and Mr. Dipak Acharya since October 1, 2016

Baroda Mid-Cap Fund (Note: Mr. Dipak Acharya was the sole fund manager of the Scheme since inception till September 30, 2016.)

Baroda Banking and Financial Services Fund Mr. Dipak Acharya. The Scheme is managed by Mr. Dipak Acharya since inception.

Baroda Dynamic Equity Fund Mr. Sanjay Chawla (Equity), Mr. Dipak Acharya (Equity) and Mr. Alok Sahoo (Fixed Income). Mr. Dipak Acharya wasappointed as fund manager along with Mr. Chawla and Mr. Sahoo effective December 14, 2018.

Baroda Equity Savings Fund Mr. Dipak Acharya (Equity), Mr. Alok Sahoo (Fixed Income) and Mr. Pratish Krishnan.

Mr. Krishnan is managing the scheme along with Mr. Acharya and Mr. Sahoo effective September 05, 2019.

Name of the Trustee Company Baroda Trustee India Private Limited (Formerly known as Baroda Pioneer Trustee Company Private Limited)

S&P BSE 200 TRI

40% NSE 50 Arbitrage Index , 35% NIFTY Short Duration Debt Fund Index and 25% NSE100 Index

6

Performance of the Schemesas on December 31, 2019 Absolute return for each financial year for past 5 years

Past performance may or may not be sustained in the future. Plan A and Plan B (Direct) have different expense structures. The last Day of December has been considered in all cases. Returns are Compounded Annualised and are calculated on the basis of ` 10 invested at inception viz for Plan A and January 1, 2013 for Plan B (Direct). *Effective from October 29, 2019 the benchmark has been changed to S&P BSE 500. Effective February 1, 2018, performance of the Scheme is benchmarked to the Total Return variant of the benchmark / standard benchmark index (TRI). As TRI data is not available since inception of the Scheme, benchmark performance is calculated using composite CAGR of the benchmark index Price Return values from 12 September 2003 to 29 June 2007, and TRI values since 29 June 2007. Mr. Sanjay Chawla is managing the Scheme along with Mr. Dipak Acharya effective November 1, 2015.

1 Year 8.89 8.98 9.74 8.98

3 Year 9.45 13.75 10.51 13.75

5 Year 5.72 9.23 6.6 9.23

Since Inception 15.19 15.78 11.19 12.15

Compounded Annualised Return

SchemeReturn (%)

BenchmarkReturn (%)*

Plan A Plan B (Direct)

SchemeReturn (%)

BenchmarkReturn (%)*

Baroda Multi Cap Fund

*S&P BSE 200 TRI. Note: Past performance may or may not be sustained in the future. Plan A and Plan B (Direct) have different expense structures. Data is for Dividend Option and the last day of December has been considered in all cases. Returns have been computed assuming that all payouts during the period have been reinvested in the units of the Scheme at the respective prevailing NAVs. Returns are Compounded Annualised and are calculated on the basis of 10 invested at inception for Plan A and January 1, 2013 for Plan B (Direct). *Effective from 2nd May 2016 the benchmark has been changed to S&P BSE 200. Effective February 1, 2018, performance of the Scheme is benchmarked to the Total Return variant of the benchmark / standard benchmark index (TRI). As TRI data is not available since inception of the Scheme, benchmark performance is calculated using composite CAGR of the benchmark index Price Return values from 31 Mar 1996 to 29 June 2007, and TRI values since 29 June 2007. Mr. Sanjay Chawla is managing the Scheme along with Mr. Dipak Acharya effective November 1, 2015.

`

Baroda ELSS’96

Compounded Annualised Return

SchemeReturn (%)

BenchmarkReturn (%)*

Plan A Plan B (Direct)

SchemeReturn (%)

BenchmarkReturn (%)*

1 Year 4.98 10.38 5.24 10.38

3 Year 7.31 14.51 8.14 14.51

5 Year 4.34 9.57 5.41 9.57

Since Inception 11.7 12.82 10.98 12.36

Absolute return for each financial year for past 5 years

1 Year 12.10 11.83 12.94 11.83

3 Year 9.82 15.07 10.75 15.07

5 Year 6.10 9.58 6.83 9.58

Since Inception 4.56 10.69 10.19 12.34

Baroda Large Cap Fund

Compounded Annualised Return

SchemeReturn (%)

BenchmarkReturn (%)*

Plan A Plan B (Direct)

SchemeReturn (%)

BenchmarkReturn (%)*

*Nifty 100 TRI effective October 1, 2016. Note: Past performance may or may not be sustained in the future. Plan A and Plan B (Direct) have different expense structures. The last day of December has been considered in all cases. Returns are Compounded Annualised and are calculated on the basis of 10 invested at inception for Plan A and January 1, 2013 for Plan B (Direct). *Scheme Benchmark has been changed to Nifty 100 effective October 3, 2016. Effective February 1, 2018, performance of the Scheme is benchmarked to the Total Return variant of the benchmark / standard benchmark index (TRI). Mr. Sanjay Chawla is managing the Scheme with Mr. Dipak Acharya effective October 3, 2016.

`

Absolute return for each financial year for past 5 years

Scheme Returns - Plan A Scheme Returns - Plan B Scheme Benchmark

2.03

8.98

23.7

3

(9.4

7)

42.5

0

3.07

10.1

1

24.7

2

(8.9

6)

43.6

0

12.0

7

12.6

0

24.0

3

(6.4

2)

33.7

7

-20

-10

0

10

20

30

40

50

FY 18-19 FY 17-18 FY 16-17 FY 15-16 FY 14-15

44.9

0

8.32

24.3

6

(11.

12)

43.8

3

-1.8

3

9.49

25.4

9

(9.2

6)

12.0

7

12.6

0

24.0

3

(6.4

2)

33.7

7

-20

-10

0

10

20

30

40

50

FY 18-19 FY 17-18 FY 16-17 FY 15-16 FY 14-15

-2.7

7

Scheme Returns - Plan A Scheme Returns - Plan B Scheme Benchmark

10.7

3

1.80

26.6

5

(16.

60)

46.6

3

11.5

1

2.90

27.4

8

(16.

20)

47.3

8

13.9

2

12.3

3 22.5

9

(6.8

7)

30.7

6

-20

-10

0

10

20

30

40

50

60

FY 18-19 FY 17-18 FY 16-17 FY 15-16 FY 14-15

Scheme Returns - Plan A Scheme Returns - Plan B Scheme Benchmark

Absolute return for each financial year for past 5 years

Scheme Returns - Plan A Scheme Returns - Plan B Scheme Benchmark

-6.2

9

16.4

1 25.6

0

(19.

81)

24.1

4

-5.2

4

15.3

9 26.7

5

(19.

34)

25.2

6

-2.0

7

14.4

4

34.2

8

1.80

51.2

7

-30

-20

-10

0

10

20

30

40

50

60

FY 18-19 FY 17-18 FY 16-17 FY 15-16 FY 14-15

Past performance may or may not be sustained in the future. Plan A and Plan B (Direct) have different expense structures. The last day of December has been considered in all cases. Returns are Compounded Annualised and are calculated on the basis of 10 invested at inception for Plan A and January 1, 2013 for Plan B (Direct). *Scheme Benchmark has been changed to S&B BSE Mid-cap Index effective October 3, 2016. Effective February 1, 2018, performance of the Scheme is benchmarked to the Total Return variant of the benchmark / standard benchmark index (TRI).

`

1 Year -0.79 -2.06 0.11 -2.06

3 Year 6.74 8.69 7.72 8.69

5 Year -0.41 8.81 0.41 8.81

Since Inception -1.41 8.00 3.13 12.34

Compounded Annualised Return

SchemeReturn (%)

BenchmarkReturn (%)*

Plan A Plan B (Direct)

SchemeReturn (%)

BenchmarkReturn (%)*

Baroda Mid-Cap Fund

7

Past performance may or may not be sustained in the future. Plan A and Plan B (Direct) have different expense structures. The last day of December has been considered in all cases. Returns are Compounded Annualised and are calculated on the basis of 10 invested at inception for Plan A and January 1, 2013 for Plan B (Direct). *Effective February 1, 2018, performance of the Scheme is benchmarked to the Total Return variant of the benchmark / standard benchmark index (TRI).

`

1 Year 23.15 18.94 24.02 18.94

3 Year 18.30 21.53 19.2 21.53

5 Year 9.69 12.14 10.55 12.14

Since Inception 13.57 17.59 12.34 14.97

Compounded Annualised Return

SchemeReturn (%)

BenchmarkReturn (%)*

Plan A Plan B (Direct)

SchemeReturn (%)

BenchmarkReturn (%)*

Baroda Banking and Financial Services Fund

Note : Performances of Baroda Equity Savings Fund is not provided as the scheme has not completed one year since inception.

1 Year 10.47 10.12 12.23 10.12

3 Year - - - -

5 Year - - - -

Since Inception 10.39 11.12 12.13 11.12

Compounded Annualised Return

SchemeReturn (%)

BenchmarkReturn (%)*

Plan A Plan B (Direct)

SchemeReturn (%)

BenchmarkReturn (%)*

Past performance may or may not be sustained in the future. Regular Plan and Direct Plan have different expense structures. The last day of December has been considered in all cases. Returns are Compounded Annualised and are calculated on the basis of 10 invested at inception for Plan A and January 1, 2013 for Plan B (Direct). Performance of the Scheme is benchmarked to the Total Return variant of the benchmark / standard benchmark index (TRI).

`

Baroda Dynamic Equity Fund

Expenses of the Schemes (I) Load Structure & Transaction Charge:

a. Entry Load :In accordance with the requirements of SEBI circular no. SEBI/IMD/CIR No.4/168230/09 dated June 30, 2009 no entry load is charged for purchase / additional purchase / switch-in accepted by the Fund. The upfront commission on investment made by the investor, if any, shall be paid to the ARN Holder directly by the investor, based on the investor's assessment of various factors including service rendered by the ARN Holder.Pursuant to SEBI circular No. SEBI/IMD/CIR No. 14/120784/08 dated March 18, 2008, with effect from April 1, 2008, no entry load or exit load shall be charged in respect of units allotted on reinvestment of dividend.

b. Exit Load :

Baroda ELSS'96 Nil

Baroda Multi Cap Fund

Baroda Mid-Cap Fund

Baroda Large Cap Fund 1% if redeemed on or before 365 days from the date of allotment of units

Baroda Hybrid Equity Fund NIL if redeemed after 365 days from the date of allotment of units

Baroda Banking and Financial Services Fund

Baroda Dynamic Equity Fund If units are redeemed upto 10% of the units, on or before one year from the date of allotment : Nil;

If units are redeemed over and above the 10% limit, on or before one year from

the date of allotment : 1% of the applicable Net Asset Value (NAV);

If units are redeemed after one year from the date of allotment: Nil

Baroda Equity Savings Fund 1%, if redeemed within one year from the date of allotment of Units;

Nil, if redeemed after one year from the date of allotment of Units.

If units are redeemed upto 10% of the units held, on or before one year from the date of allotment : Nil.

• If units are redeemed over and above the 10% limit, on or before one year from the date of allotment : 1% of the applicable Net Asset Value (NAV)

• If units are redeemed after one year from the date of allotment: Nil

The above exit load shall be applicable on a prospective basis to all subscription transactions, excluding switch-ins.

The above exit load structure is effective September 05, 2019.

Compounded Annualised Return

SchemeReturn (%)

BenchmarkReturn (%)*

Plan A Plan B (Direct)

SchemeReturn (%)

BenchmarkReturn (%)*

Baroda Hybrid Equity Fund

1 Year 3.57 10.66 4.44 10.66

3 Year 7.84 12.05 9.23 12.05

5 Year 6.1 9.44 7.44 9.44

Since Inception 11.09 13.11 10.28 11.47

Past performance may or may not be sustained in the future. Plan A and Plan B (Direct) have different expense structures. The the last day of December has been considered in all cases. Returns are Compounded Annualised and are calculated on the basis of 10 invested at inception for Plan A and January 1, 2013 for Plan B (Direct). *Benchmark has been renamed effective February 1, 2018. Effective February 1, 2018, performance of the Scheme is benchmarked to the Total Return variant of the benchmark / standard benchmark index (TRI).

`

Absolute return for each financial year for past 5 years

Scheme Returns - Plan A Scheme Returns - Plan B Scheme Benchmark

2.3

9.84

20.9

2

(5.2

3)

29.3

2

3.57

11.6

5

22.4

3

(4.1

5)

30.8

0

10.4

4

10.0

5

19.5

7

(1.2

3)

26.9

7

-10

-5

0

5

10

15

20

25

30

35

FY 18-19 FY 17-18 FY 16-17 FY 15-16 FY 14-15

Absolute return for each financial year for past 5 years

Scheme Returns - Plan A Scheme Returns - Plan B Scheme Benchmark

16.2

9

5.47

37.0

1

(13.

45)

42.6

5

17.1

1

6.26

37.8

9

(12.

60)

43.9

5

25.8

4

14.0

0

34.1

5

(10.

59)

43.9

8

-20

-10

0

10

20

30

40

50

FY 18-19 FY 17-18 FY 16-17 FY 15-16 FY 14-15

Absolute return for each financial year for past 5 years

Scheme Returns - Plan A Scheme Returns - Plan B Scheme Benchmark

5.68

6.49 6.51

5.2

5.4

5.6

5.8

6

6.2

6.4

6.6

FY 18-19

8

Expenses of the Schemes (Contd.) No Exit Load will be charged for switches between the options / Plans under the Scheme. Investors are requested to check the prevailing load structure of the Scheme, before investing. The Exit Load [net of Goods & Service Tax (“GST”)] charged, will be credited to the Scheme. For any change in load structure, the AMC will issue an addendum and display it on the website/ISCs.

c. Transaction Charge :

(i) Nil on subscription amounts less than ` 10,000/-;

(ii) ` 100/- on every subscription of ` 10,000/- and above for an existing investor in mutual funds;

(iii) ` 150/-* on a subscription of ̀ 10,000/- and above for an investor investing in mutual funds for the first time.

The transaction charge referred to in (ii) and (iii) above will be payable only for transactions done through a distributor who has opted to receive the transaction charge on a product basis.

*In the case of any applicable transaction, where the AMC/Fund/Registrar is unable to identify whether the investor concerned is a first-time investor in mutual funds, ̀ 100/- will be charged as transaction charge.

(II) Recurring Expenses :

The recurring expenses of the schemes (including the investment management and advisory fees) shall be as per the limit prescribed under the SEBI (Mutual Fund) Regulations 1996. These are as follows:

i) 2.25% on the first ` 500 crores of daily net assets.

b) 2.00% on the next ` 250 crores of daily net assets.

c) 1.75% on the next ` 1,250 crores of daily net assets.

d) 1.60% on the next ` 3,000 crores of daily net assets.

e) 1.50% on the next ` 5,000 crores of daily net assets.

f) Total expense ratio reduction of 0.05% for every increase of ` 5,000 crores of daily net assets or part thereof, on the next ` 40,000 crores of the daily net assets.

g) 1.05% on the balance of the assets.

The AMC will also annually set apart, for investor education and awareness initiatives, at least 0.02% on the daily net assets of each Scheme, which shall be within the maximum limit of Total Expense Ratio (TER) as mentioned in the table above. Further, in addition to the TER, the following costs or expenses may be charged to each Scheme, namely:

(a) Brokerage and transaction costs which are incurred for the purpose of execution of trades may be capitalised to the extent of 12 bps in case of cash market transactions and 5 bps in case of derivatives transactions. Any payment towards brokerage and transaction cost, over and above the aforesaid limits may be charged to the Scheme within the maximum limit of TER mandated by Regulation 52(6) of the SEBI Regulations;

(b) Expenses not exceeding of 0.30% of daily net assets, if the new inflows from such cities as specified by SEBI from time to time are at least (i) 30% of gross new inflows in the scheme, or (ii) 15% of the average assets under management (year to date) of the scheme, whichever is higher. Provided that if inflows from such cities are less than the higher of (i) or (ii) above, such expenses on the daily net assets of the Scheme shall be charged on a proportionate basis. Provided further that the expenses charged under this provision shall be utilised for distribution expenses incurred for bringing inflows from such cities. Provided further that the amount incurred as expense on account of inflows from such cities shall be credited back to the scheme in case the said inflows are redeemed within a period of one year from the date of investment. These additional expenses can be charged based on inflows only from retail investors (other than corporates and institutions) from B-30 cities. As per SEBI Circular dated March 25, 2019, inflows of amount upto ̀ 2,00,000/- per transaction, by individual investors from B-30 cities, shall be considered as inflows from retail investors. Additional commission for B-30 cities shall be paid as trail only.

(c) Additional expenses, incurred towards different heads, not exceeding 0.05% of the daily net assets of the Scheme. However, such expenses will not be charged if exit load is not levied / not applicable to the Scheme.

Investors may note that Goods and Service Tax (GST) on investment and advisory fees may be charged to the Scheme in addition to the maximum limit of TER as mentioned in the table above. GST on expenses other than investment and advisory fees, if any, shall be borne by the Scheme within the maximum limit of TER as mentioned in the table above. GST on brokerage and transaction costs paid for execution of trade, if any, shall be within the limit prescribed under Regulation 52 of the SEBI Regulations.

GST on investment and advisory fees may be charged to the Scheme in addition to the maximum limit of TER as mentioned in the table above. GST on expenses other than investment and advisory fees, if any, shall be borne by the Scheme within the maximum limit of TER as mentioned in the table above. GST on brokerage and transaction costs paid for execution of trade, if any, shall be within the limit prescribed under Regulation 52 of the SEBI Regulations.

The Mutual Fund would update the current expense ratios on the website at least three working days prior to the effective date of the change. Investors can refer to our website (http://www.barodamf.com/Downloads/Pages/expenseratio.aspx) for details on Total Expense Ratio (TER).

Actual expenses for the previous year ended March 31, 2019

Name of scheme Plan A / Regular Plan Plan B (Direct) / Direct

Waiver of load for Direct Not Applicable. Pursuant to SEBI circular no. SEBI/IMD/CIR no. 4/168230/09 dated June 30, 2009 no entry load will be charged by the Scheme to investor. Applications

Tax treatment for the Investors Particulars Deduction of tax at source by the Mutual Fund In the hands of resident Investors (Unit Holders)

#Tax on Dividends 11.648% Nil

Capital Gains *

Long Term (above ̀ 1 lakh) Nil 10%*(Units held for more than 12 months)

Short Term Nil 15%*(Units held for not more than 12 months)

# inclusive of surcharge and health and education cess* Surcharge at the rate of 15% to be levied in case of individual /HUF Unit Holders where their income exceeds ̀ 1 crore and at the rate of 10% where income exceeds ̀ 50

lakhs but does not exceed ̀ 1 crore. Health and education cess at the rate of 4% will be applicable on the tax plus surcharge.The Scheme will attract securities transaction tax (STT) at 0.001% on the redemption value.

Note: Investors are requested to note that the tax position prevailing at the time of investment may change in future due to statutory amendments. The Mutual Fund will pay/deduct taxes as per the applicable tax laws on the relevant date. Additional tax liability, due to such changes in the tax structure, shall be borne by the Unit Holders and not by the AMC or Trustee.

Investors are advised to refer to the paragraph on Taxation in the Statement of Additional Information and also consult their own tax advisor with respect to the specific tax implications arising out of their participation in the Scheme.

Daily Net Asset Value (NAV) The first NAV will be calculated and announced within a period of 5 Business Days from the date of allotment. Subsequently, the NAVs of the Scheme will be calculated and declared on the close of each Business Day.

The methodology of calculating the sale and repurchase price of units is given below :

Subscription (Sale) Price = Applicable NAV * (1+Entry Load)

Baroda Multi Cap Fund 2.67% 1.66%

Baroda ELSS’96 2.84% 2.00%

Baroda Large Cap Fund 2.95% 2.21%

Baroda Mid-Cap Fund 3.07% 1.98%

Baroda Hybrid Equity Fund 2.62% 1.40%

Baroda Banking and Financial Services Fund 2.92% 2.23%

Baroda Dynamic Equity Fund* 2.76% 0.78%

* for the period since inception of the scheme viz. November 14, 2018 to March 31, 2019.

Note: The inception date of Baroda Equity Savings Fund July 25, 2019. Hence, the details of actual expense as on March 31, 2019 is not provided.

9

E.g. If the Applicable NAV is ̀ 10, and Entry Load is 1%, then the subscription price will be : ̀ 10*(1+0.01) = ̀ 10.10

Unitholders may note that the Regulations do not permit any Entry Load for subscription of Units, and accordingly, the subscription price will be the Applicable NAV.

Redemption (Repurchase) Price = Applicable NAV * (1-Exit Load)

E.g. If the Applicable NAV is ̀ 10, and Exit Load is 1%, then the redemption price will be : ̀ 10*(1-0.01) = ̀ 9.90.

The AMC shall update the NAVs on the website of the Fund (www.barodamf.com) and of the Association of Mutual Funds in India - AMFI (www.amfiindia.com) on every Business Day. The same shall be made available to unit holders through SMS upon receiving a specific request in this regard.

NAVs can also be viewed on www.barodamf.com and www.amfiindia.com.

For Investor Grievances please Investor Relation Officer Name and Address of Registrarcontact Mr. Amitabh Ambastha KFIN Technologies Private Limited

Baroda Asset Management India Limited Karvy Selenium Tower B, Plot number 31 & 32, Financial District, Nanakramguda,501, Titanium, 5th Floor, Western Express Highway, Goregaon (E), Mumbai - 400063. Serilingampally Mandal, Hyderabad - 500 032. India. Fax: +91 40 2331 1968 Phone: +91 22 6848 1000 /4219 7999, Fax: +91 22 6848 1001. E-mail id: kfpl.bmfnct@kfintech.comToll Free No.: 1800-2670-189 • Email: info@barodamf.com

Unit Holders' Information Allotment Confirmation

(a) Units in Physical mode :- Investors opting to subscribe to / hold units in physical form, whether by way of a normal purchase or SIP / STP, will be sent, (i) by way of an e-mail and/or an sms to their registered email address and or mobile number, an allotment confirmation, as soon as possible but not later than 5 Business Days from the date of acceptance of the request for subscription, and (ii) a CAS, as mentioned in ‘Consolidated Account Statement (CAS)’ below.

(b) Units in Demat Mode :- For investors who hold Units in dematerialized form, a demat statement shall be provided by the DP in such form and in such manner and at such time as provided in the agreement with the beneficial owner.

Consolidated Account Statement (CAS)

On acceptance of an application for subscription or allotment of Units (including by way of SIP, STP, switch, bonus Units and reinvestment of dividends), an allotment confirmation specifying the number of Units allotted will be sent by way of an email and/or an SMS, within 5 Business Days from the date of receipt of the application, to the Unit Holder’s registered e-mail address and/or mobile number.

The Mutual Fund would update the current expense ratios on the website at least three working days prior to the ef fective date of the change. Investors can refer to our website (http://www.barodamf.com/Downloads/Pages/expenseratio.aspx) for details on Total Expense Ratio (TER).

For Investor Grievances please Investor Relation Officer Name and Address of Registrar contact Mr. Amitabh Ambastha KFIN Technologies Private Limited

Baroda Asset Management India Limited Karvy Selenium Tower B, Plot number 31 & 32, Financial District, Nanakramguda, 501, Titanium, 5th Floor, Western Express Highway, Goregaon (E), Mumbai - 400063. Serilingampally Mandal, Hyderabad - 500 032. India. Fax: +91 40 2331 1968 Phone: +91 22 6848 1000 /4219 7999, Fax: +91 22 6848 1001. E-mail id: kfpl.bmfnct@kfintech.com Toll Free No.: 1800-2670-189 • Email: info@barodamf.com.

(ii) Thereafter, the Unit Holder will be sent, on or before the 10th of the immediately succeeding month, by way of a mail / an e-mail, a CAS, containing the details of the transaction mentioned above as well as details of all other transactions effected by the Unit Holder across schemes of all mutual funds during the preceding month, including his/her/its holdings at the end of the said month and details of transaction charges paid to distributors, as applicable. Investors may note that CAS will be issued on a monthly basis to all investors in whose folios transactions have taken place during the month concerned.

(iii) For the purpose of sending CAS, common investors across mutual funds shall be identified by their PAN.

(iv) For those investors / Unit Holders who have provided an e-mail address, CAS will be sent by way of an e-mail.

(v) In case of a specific request received from a Unit Holder for a separate account statement, the AMC/Fund will provide such an account statement to the Unit Holder concerned, within 5 Business Days from the receipt of the request.

(vi) In the event of inability to send CAS, for any reason whatsoever, or on receipt of specific requests from Unit Holders/investors, the AMC will send separate account statements.

(vii) In the event of a folio having more than one registered holder, the first named Unit Holder will receive the CAS / account statement.

(viii) For folio(s) that are not updated with PAN details, it will not be possible to e-mail / mail CAS to the Unit Holders concerned. It is therefore in the interest of Unit Holders to ensure that their folios are updated with their PAN details.

(ix) In the case of a dormant investor, i.e. an investor in whose folio, no transaction has taken place during a six-month period ended March or September, a CAS detailing the investors’ holdings across all Schemes of all mutual funds at the end of March or September, as the case may be, shall be sent by way of a mail / an e-mail on or before the 10th day of the month immediately succeeding the said March/September. The half yearly CAS will be sent by e-mail to Unit Holders whose e-mail address is available, unless a specific request is made by any Unit Holder to receive the CAS in physical form.

The Unit Holders who do not have Demat account shall continue to receive the Consolidated Account Statements (CAS) as per the existing practice. However, the following shall be applicable for Unit Holders having a Demat Account.

• Investors having MF investments and holding securities in Demat account shall receive a Single Consolidated Account Statement from the Depository.

• Consolidation of account statement shall be done on the basis of PAN. In case of multiple holding, it shall be PAN of the first holder and pattern of holding.

• The CAS shall be generated on a monthly basis. In case there is no transaction in any of the mutual fund folios and demat accounts then CAS with holding details shall be sent to the investor on half yearly basis.

• If there is any transaction in any of the Demat accounts of the investor or in any of his mutual fund folios, Depositories shall send the CAS within ten days from the month end.

The expression, ‘transaction’, includes purchase, redemption, switch, dividend payout, dividend reinvestment, SIP, SWP, STP and bonus transactions.

Portfolio Disclosure

The AMC shall disclose the portfolio (along with ISIN) as on the last day of the month / half-year for all its schemes on its website (www.barodamf.com) and on the website of AMFI (www.amfiindia.com) within ten days from the close of each month / half year respectively in a user-friendly and downloadable spreadsheet format.

In case of Unit Holders whose e-mail addresses are registered, the Mutual Fund / AMC shall send via e-mail both the monthly and half-yearly statement of scheme portfolio within 10 days from the close of each month / half-year respectively.

The Mutual Fund / AMC shall publish an advertisement every half-year, in the all India edition of at least two daily newspapers, one each in English and Hindi, disclosing the hosting of the half-yearly statement of its schemes portfolio on its website and on the website of AMFI and the modes such as SMS, telephone, e-mail or written request, through which a Unit Holder can submit a request for a physical or electronic copy of the statement of scheme portfolio.

The Mutual Fund / AMC shall provide a physical copy of the statement of its scheme portfolio, without charging any cost, on specific request received from a Unit Holder.

Half Yearly Financial Results

The Mutual Fund shall, before the expiry of one month from the close of each half-year i.e. on 31st March and on 30th September, publish a complete statement of the Scheme’s portfolio in the prescribed format in one national English daily newspaper and in a newspaper in the language of the region where the head office of the Fund is situated. This shall also be displayed on the website of the Mutual Fund / AMC, with a link on the AMFI website.

Also, within one month of the close of each half year, that is on 31st March and on 30th September, the Mutual Fund/AMC shall host a soft copy of its unaudited financial results on the AMC’s website. The AMC shall publish an advertisement disclosing the hosting of such financial results on its website, in at least one English daily newspaper having nationwide circulation and in a newspaper having wide circulation published in the language of the region where the head office of the Fund is situated. Necessary link to this shall be provided on the AMFI website.

Annual Report

The scheme-wise annual report of the Mutual Fund or an abridged summary thereof, shall be provided to all Unit holders not later than four months (or such other period as may be specified by SEBI from time to time) from the date of closure of the relevant accounting year (i.e. 31st March each year).The scheme-wise annual report shall be hosted on the website of the Mutual Fund / AMC (www.barodamf.com) and on the website of AMFI (www.amfiindia.com). In case of Unit Holders whose e-mail addresses are registered with the Mutual Fund, the scheme-wise annual reports or abridged summary thereof shall be e-mailed to such Unit Holders. The Mutual Fund / AMC shall provide a physical copy of the abridged summary of the Annual Report, without charging any cost, on specific request received from a Unit Holder. The Mutual Fund / AMC shall publish an advertisement in the all India edition of at least two daily newspapers, one each in English and Hindi, every year disclosing the hosting of the scheme-wise annual report on

10

its website and on the website of AMFI and the modes such as SMS, telephone, e-mail or written request, through which a Unit Holder can submit a request for a physical or electronic copy of the scheme-wise annual report or abridged summary thereof. The full Annual Report shall be available for inspection at the Head Office of the Mutual Fund and a copy thereof shall be made available to the Unit Holders on request.

Investment Strategy Equity Schemes

The key factors of the investment strategy of the Baroda Hybrid Equity Fund, Baroda ELSS’96 and Baroda Multi Cap Fund schemes are :

1. Identifying attractive opportunities on the basis of Government policies, research report and overall economic conditions.

2. The stock selection will take into consideration various factors like fundamentals of the business, market capitalization, infrastructure, quality of management etc.

3. Sector weightage and stock selection within the sector.

4. The portfolio will be sufficiently diversified by investing in a number of companies without any restriction.

The key factors of the investment strategy for Baroda Banking and Financial Services Fund are:

1. Identifying attractive opportunities on the basis of growth prospects and valuations of the businesses over a medium term.

2. The stock selection will take into consideration fundamentals of the business, market capitalization, industry structure, quality of management, sensitivity to economic factors, financial strength of the company and the key earnings drivers.

3. The Scheme will invest in a number of companies without any restriction of market capitalization within the Banking and Financial Services Sector.

4. Within the Banking & Financial Services Sector, the Scheme will look at a bottom-up stock selection, and bottom-up fundamental research into stocks will be conducted, including company meetings, with a view to assessing management quality, competitive positioning and growth potential.

The key factors of the investment strategy for Baroda Mid-Cap Fund are :

1. The Scheme portfolio will predominantly be a Mid-Cap portfolio across sectors and companies, which mitigates both concentration and liquidity risk.

2. The Scheme will invest in equity and equity related instruments of medium and small enterprises of Indian corporates with high management credentials. Special focus will be given to strong corporate governance.

3. Approach to investments would be to invest in long term compounding stories at reasonable price. Long-term horizon enables the portfolio to ride the economic/business cycle and to overlook volatility in short term due to external factors.

4. Portfolio construction would entail top down approach towards deciding sector weights benchmarked against the index. Global and domestic economic, fiscal, forex, commodity and various other parameters will be evaluated. Thereafter, the direction of both global and domestic economy will be ascertained along with its impact on various sectors.

5. Bottom up approach is used for identifying companies within the sector. We actively follow GARP strategy (Growth At Reasonable Price) where companies with a potential of above sector growth, improving efficiency and lower valuations are identified and evaluated for investment. Companies trading at a discount to their intrinsic value and have potential to turn around along with the cycle or because of its internal strength are considered to be value picks. Various fundamental and valuation parameters are considered in terms of revenue, assets and efficiency for identifying sectors and scrips which involves sales growth, Earnings Before Interest, Taxes, Depreciation and Amortization (EBITDA) margin, Profit After Tax (PAT) margin, Price to Earnings (PE) ratio, Price to Book (PB) ratio, EV/EBIDTA, Dividend Discount Model (DDM), economic value added, etc.

6. Since this portfolio predominantly invests in Mid-Cap stocks, the companies are likely to have a higher growth element due to their small size and potential for higher product penetration, increasing efficiency and improvement in cash flow.

The key factors of the investment strategy for Baroda Large Cap Fund are :

1. Within the broader market, the Scheme expects to invest predominantly in companies forming part of Nifty 100. However, the Scheme may invest in other large cap companies.

2. The Scheme will invest 80% to 100% in Equity & Equity related instruments and 0% to 25% in debt & money market instruments.

3. The fund management style will be opportunistic with regard to market capitalization and not from a thematic or sector perspective.

4. The investment approach will be a blend of top down and bottom up, and stock selection will be done by following Growth At Reasonable Price (GARP) strategy.

5. The aim of the Scheme would be to deliver long-term capital growth from an actively managed portfolio.

6. The Scheme would focus on blue-chip stocks with sound financials and market leadership.

The key factors of the investment strategy for Baroda Dynamic Equity Fund are :

The Scheme has a dual objective of generating capital appreciation by investing in equity and equity related securities as well as generating income by investing in debt and money market securities, while attempting to manage risk from the market through active asset allocation. In order to achieve this process, the Scheme will follow a topdown and bottom-up strategy. The top-down process will lead to the active ongoing asset allocation decision between equity and debt and the bottom up process would lead to construction of the portfolio using specific securities.

The AMC has built a proprietary model for asset allocation based on the valuations and fundamentals of the companies. The valuation parameters chosen for the asset allocation are PE, P/BV, Dividend yield and the difference of earnings yield and 10 year Government Bond. The rationale behind choosing multiple valuation parameters instead of only PE, is to incorporate the status of the three important financial statements, the P&L, balance sheet and cash flow statement. Different weights have been assigned to different valuation parameters with more emphasis on the balance sheet and cash flow related parameters. The model will be revisited if needed, and adjustments made if needed, to ensure that the outcomes remain relevant to the market environment.

Assumptions of the proprietary model

• BSE 200 Index was chosen for the calculation of equity returns and for comparing the portfolio returns.

• 10 year G-sec was chosen for the calculation of debt returns.

• Valuation parameters were chosen on the trailing 12 months basis.

The model would be run on monthly basis to decide the asset allocation. Generally, once the allocation is fixed, it will not be changed till the next month except in case of extraordinary situations where extreme volatility in the markets would force a change in asset allocation.

Equity allocation based on the model

The gross equity exposure will be maintained in the range of 65% to 90% while the net equity exposure will be maintained between 0% to 50%. The difference between gross and net variation would generally be invested in arbitrage or in arbitrage equity mutual funds. The model would follow the matrix approach for asset allocation based on different parameters.

Fixed Income allocation based on the model

The exposure to Debt & Money Market Instruments including cash and cash equivalents will be maintained in the range of 10% to 35%. The model would follow the matrix approach for asset allocation based on different parameters.

Once the asset allocation has been decided based on the model, the portfolio would be constructed based on top-down as well as bottom-up approach using our core principle of investing, GARP (Growth at a Reasonable Price). The Scheme retains the flexibility to deviate from the asset allocation model, depending on the market conditions, market opportunities, applicable regulations and political and economic factors.

For detailed & scheme specific investment strategy, please refer the SIDs of the respective schemes.

11

Sector Allocation of all open ended equity schemes of Baroda Mutual Fund as on December 31, 2019

Sectors Baroda Multi Baroda Baroda Large Baroda Baroda Hybrid Baroda Banking and Baroda Dynamic Baroda EquityCap Fund Fund Cap Fund Mid-cap Fund Equity Fund Financial Services Fund Equity Fund Savings Fund

Financial Services 39.81% 40.86% 38.69% 21.06% 52.01% 97.66% 42.67% 43.42%

Energy 11.46% 12.41% 10.58% 10.99% 7.03% - 10.73% 10.74%

IT 10.83% 9.84% 12.28% - 8.22% - 7.09% 3.20%

Consumer Goods 10.60% 10.14% 8.63% 25.00% 8.30% - 7.60% 6.61%

Chemicals 4.56% 3.97% 2.53% 6.72% 4.95% - 1.76% -

Industrial Manufacturing 4.51% 3.04% 7.29% 19.78% 1.18% - - -

Cement & Cement Products 3.24% 3.29% 3.69% 2.45% 2.30% - 3.65% 4.64%

Pharma 3.18% 2.87% 2.62% - 2.68% - 1.72% 1.88%

Triparty Repo 3.07% 4.20% 5.49% 4.60% 1.54% - 2.93% 1.19%

Construction 2.87% 3.88% 2.86% 0.42% 5.32% - 5.18% 0.88%

Services 1.82% 1.77% 1.67% 3.14% 1.61% - 1.47% 2.44%

Automobile 1.80% 0.78% 0.90% 3.13% 1.04% - 2.62% 1.98%

Healthcare Services 1.32% 2.00% - 2.85% 1.04% - 0.46% -

Telecom 1.20% 1.19% 2.77% - 1.08% - 1.26% 1.98%

Margin Fixed Deposits 0.28% - 0.33% - 0.45% 0.31% 1.85% 10.01%

Textiles - - - - - - - -

Stock Futures - - - - - - -14.39% -50.87%

State Development Loans - - - - 1.08% - - -

METALS - - - - - - 2.40% 5.92%

Government Securities - - - - 0.65% - 4.54% 0.43%

Fertilisers & Pesticides - - - - - - - 1.31%

Cash & Cash Equivalent -0.55% -0.25% -0.34% - -0.08% -0.49% 16.45% 54.23%

Total 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%

ELSS’96

1,99,594No. of Folios as on

December 31, 2019

AUM as on December 31, 2019 (` in crs.)

Multi Cap Fund – An open ended equity scheme investing across large cap, mid cap and small cap stocks

28,02947,565 30,510 9,163 5,887 9,526

Scheme Name Baroda Multi Cap Fund (Earlier known

as Baroda Pioneer Growth Fund)

Baroda Hybrid Equity Fund (Earlier known asBaroda Pioneer Balance Fund)

Baroda ELSS’96

Baroda Banking

and Financial Services Fund

Baroda Large Cap Fund

Baroda Mid-Cap Fund

Baroda Dynamic Equity

Fund

Baroda Equity Savings

Fund

Type of Scheme An open ended balanced scheme investing in equity a n d d e b t instruments

An open ended equity linked saving s c h e m e w i t h a statutory lock in of 3 years and tax benefit

An open ended e q u i t y s c h e m e investing in banking a n d f i n a n c i a l services sector

Large Cap Fund - An open ended equity s c h e m e p r e d o m i n a n t l y investing in large cap stocks

Mid Cap Fund - An open ended equity s c h e m e p r e d o m i n a n t l y investing in mid cap stocks

An open ended d y n a m i c a s s e t allocation fund)

An open ended scheme investing in equity, arbitrage and debt

The main objective of the scheme is to generate long term capital appreciation from an actively managed portfolio of equ i ty & equ i ty related instruments.

Investment Objective

T h e s c h e m e i s targeted for long-t e r m c a p i t a l appreciation along with stability through a well balanced portfolio comprising of equity and debt securities.

The main objective of the scheme is to provide the investor long term capital growth as also tax benefit under section 80C of the Income Tax Act, 1961.

T h e i n v e s t m e n t o b j e c t i v e i s t o generate long-term capital appreciation for unit holders from a portfolio invested predominantly in equity and equity related securities of companies engaged in the Banking & Financial Services Sector.

T h e p r i m a r y investment objective of the Scheme is to generate capi ta l app rec i a t i on by i n v e s t i n g predominantly in a diversified portfolio of equity and equity related securities of l a r g e c a p compan ies . The scheme may also invest in debt and m o n e y m a r k e t securities.

T h e p r i m a r y object ive of the s c h e m e i s t o generate capi ta l app rec i a t i on by i n v e s t i n g predominantly in a diversified portfolio of equity and equity related securities of growth oriented mid cap stocks.

T h e p r i m a r y object ive of the S c h e m e i s t o generate capi ta l app rec i a t i on by i n v e s t i n g i n a portfolio of equity or e q u i t y l i n k e d securities while the secondary objective i s t o g e n e r a t e i ncome th rough investments in debt and money market instruments. It also aims to manage risk through active asset allocation.

T h e p r i m a r y object ive of the S c h e m e i s t o generate capi ta l appreciation and income by using a r b i t r a g e o p p o r t u n i t i e s , investment in equity / equi ty re lated instruments and debt/ money market instruments.

However, there is no a s s u r a n c e o r guarantee that the investment objective of the Scheme will be realized.

21,528

Comparison of equity schemes of Baroda Mutual Fund

809.14 434.03508.36 164.61 48.92 32.90 46.14 464.52

Baroda Multi Cap Fund

Name of the Issuer % to Net Assets

HDFC Bank Ltd. 10.18

Housing Development Finance Corporation Ltd. 7.45

ICICI Bank Ltd. 7.32

Reliance Industries Ltd. 6.92

Infosys Ltd. 4.97

State Bank of India 3.19

CCIL-Clearing Corporation of India Ltd. (Triparty Repo) 3.07

Astral Poly Technik Ltd. 2.91

Bajaj Finance Ltd. 2.88

City Union Bank Ltd. 2.60

Baroda ELSS'96

Name of the Issuer % to Net Assets

ICICI Bank Ltd. 7.37

Reliance Industries Ltd. 7.36

Housing Development Finance Corporation Ltd. 5.86

Kotak Mahindra Bank Ltd. 5.12

Infosys Ltd. 5.11

HDFC Bank Ltd. 5.02

CCIL-Clearing Corporation of India Ltd. (Triparty Repo) 4.20

Larsen & Toubro Ltd. 2.96

State Bank of India 2.84

DCB Bank Ltd. 2.72

Baroda Large Cap Fund

Name of the Issuer % to Net Assets

HDFC Bank Ltd. 9.23

Reliance Industries Ltd. 8.98

ICICI Bank Ltd. 7.37

Housing Development Finance Corporation Ltd. 7.33

CCIL-Clearing Corporation of India Ltd. (Triparty Repo) 5.49

Infosys Ltd. 5.00

State Bank of India 4.57

Ultratech Cement Ltd. 3.69

Bajaj Finance Ltd. 3.22

Siemens Ltd. 2.96

Baroda Mid-Cap Fund

Name of the Issuer % to Net Assets

Astral Poly Technik Ltd. 7.36

City Union Bank Ltd. 5.57

Tata Global Beverages Ltd. 4.87

CCIL-Clearing Corporation of India Ltd. (Triparty Repo) 4.60

DCB Bank Ltd. 4.46

Aditya Birla Fashion And Retail Ltd. 4.01

Bata India Ltd. 3.79

Aarti Industries Ltd. 3.63

Varun Beverages Ltd. 3.45

Muthoot Finance Ltd. 3.30

Baroda Hybrid Equity Fund

Name of the Issuer % to Net Assets

ICICI Bank Ltd. 10.86

HDFC Bank Ltd. 9.20

Housing Development Finance Corporation Ltd. 6.63

State Bank of India 6.26

Reliance Industries Ltd. 5.35

Larsen & Toubro Ltd. 3.57

Infosys Ltd. 3.52

National Bank for Agriculture and Rural Development 3.17

City Union Bank Ltd. 2.85

Bank of Baroda 2.75

Baroda Banking and Financial Services Fund

Name of the Issuer % to Net Assets

HDFC Bank Ltd. 26.79

ICICI Bank Ltd. 20.90

Kotak Mahindra Bank Ltd. 10.31

State Bank of India 8.86

Axis Bank Ltd. 5.39

Bajaj Finance Ltd. 5.19

Housing Development Finance Corporation Ltd. 4.43

City Union Bank Ltd. 3.34

CCIL-Clearing Corporation of India Ltd. (Triparty Repo) 2.52

ICICI Prudential Life Insurance Company Ltd. 1.97

Baroda Dynamic Equity Fund

Name of the Issuer % to Net Assets

Reliance Industries Ltd. 6.48

HDFC Bank Ltd. 6.38

Housing Development Finance Corporation Ltd. 6.30

Export-Import Bank of India 5.80

Government of India 4.54

Small Industries Development Bank of India 4.53

State Bank of India 4.40

ICICI Bank Ltd. 4.36

Infosys Ltd. 3.04

CCIL-Clearing Corporation of India Ltd. (Triparty Repo) 2.93

Baroda Equity Savings Fund

Name of the Issuer % to Net Assets

HDFC Bank Ltd. 16.23

Housing Development Finance Corporation Ltd. 9.70

Reliance Industries Ltd. 6.52

State Bank of India 5.31

ICICI Bank Ltd. 4.63

Bajaj Finance Ltd. 3.83

Bank of Baroda 3.24

Axis Bank Ltd. 3.06

Indusind Bank Ltd. 2.91

ITC Ltd. 2.79

Portfolio Turnover Ratio of all the open ended equity schemes of Baroda Mutual Fund as on December 31, 2019.

Scheme RATIO

Baroda Multi Cap Fund 1.05

Baroda ELSS 96 Fund 1.69

Baroda Large Cap Fund 1.47

Baroda Mid-Cap Fund 1.70

Baroda Hybrid Equity Fund 1.37

Baroda Banking And Financial Services Fund 0.71

Baroda Dynamic Equity Fund 3.55

Baroda Equity Savings Fund 3.50

The Schemes' top 10 portfolio holdings as on December 31, 2019 are given below. Investors may refer to the website of the AMC (www.barodamf.com) to obtain the latest monthly portfolio of the Schemes.

12

CHECKLIST OF DOCUMENTS TO BE ENCLOSED WITH APPLICATION FORM (AS APPLICABLE, REFER INSTRUCTIONS)

Documents

1. Certificate of Incorporation / Registration

2. Resolution / Authorization to invest

3. Authorized Signatory List

4. MoA & AoA

5. Trust Deed

6. Bye Laws

7. Partnership Deed / Deed of Declaration

8. Notarized Power of Attomey

9. PAN Proof

10. KYC Acknowledgment

12. DD Declaration

Latest Bank Passbook/ Bank Account Statement/ Cancelled Cheque 11.

Company /Body

CorporatesTrusts Societies

PartnershipFirms

HUF NRI /

Individual #

FPIsInvestment

Through Const. Attorney

Proprietor

13. FACTA / CRS

UBO Declaration 14.

Sr. No.

^Aadhaar No. 15.

* Non-resident are not required to obtain Aadhaar. # Copy of SEBI registration certificate should be provided.^ Aadhaar for Non Individual - Consent of Individual Authorized Signatories should be provided in the specific format only.

The mandatory requirement to submit the Aadhaar details/ documents by existing as well as new investors has been deferred till further notice.

*

I. GENERAL INSTRUCTIONS :

1. Please read the Combined Scheme Information Document Equity (“SID”), Statement of Additional Information (“SAI”) and Key Information Memorandum (“KIM”), containing the terms of offer, carefully, before investing.

It must be understood clearly that you are deemed to have accepted the terms, subject to which this offer is being made and bind yourself to the terms upon signing the Application Form and tendering payment.

2. Please fill up the Application Form in English in BLOCK LETTERS, using black or dark blue ink.

3. Please strike out any section of the Application Form that is not applicable to you. Wherever tick boxes have been provided in the Application Form, please tick the appropriate box, as applicable to you. Please ensure that correction/cancellation of any of the mandatory information is countersigned by all applicants.

4. Please ensure that you provide all requisite details and all supporting documents, as applicable to you.

5. Please note that Application Forms (i) which are incomplete, or (ii) which have any over writing on any field without the counter signature of all applicants, or (iii) which are invalid/ambiguous/not accompanied by necessary supporting documents, or (iv) not accompanied by a payment instrument or an account-to-account transfer instruction for the amount payable, or (v) which the Trustee to Baroda Mutual Fund (“Fund”) may choose to reject for any other reason determined at its sole discretion, are liable to be rejected. In such an event, the money paid will be refunded/returned to the applicant concerned, without interest. Refund under such circumstances will be made by cheques or pay order drawn on the Bankers of the Fund.

6. Applicants who have an existing folio number with the Fund are requested to mention that in the earmarked space.

II. APPLICANTS’ INFORMATION :

1. Please mention your name in full, without any abbreviation. Write your name exactly as it appears in your Aadhaar Card, or in the incorporation document, as the case may be. In case units are applied for in electronic mode (demat mode), please write your name exactly in the same manner as it appears in the records of the depository.

2. If the investment is on behalf of a minor, please keep the following points in mind while filling up the Application Form:

• The minor shall be the sole holder in the account (joint holding is not permissible) and nomination facility shall not be available. Details of joint holders and nomination, even if mentioned, will not be considered.

• The guardian of the minor shall be a natural guardian (i.e. father or mother) or a court appointed legal guardian.

• Details such as the minor’s name and date of birth, guardian’s relationship with the minor, guardian’s name, PAN and KYC etc. are mandatory, along with supporting documents. Photo copy of a document evidencing the date of birth of minor such as birth certificate or school leaving certificate or passport or any other suitable proof should be enclosed with the Application Form.

• Where the guardian is a court appointed legal guardian, suitable supporting documentary evidence should be provided.

• If the mandatory details and/or documents are not provided, the application is liable to be rejected.

3. In case of payment by cheque, please write the Applicant's name and the Application Serial Number on the reverse of the cheque.

4. Please mention the Pin Code in the Address column. In case the PIN Code is not mentioned, all correspondence will be sent by registered / ordinary post.

5. All communication and/or payments will be made to the sole/first applicant.

6. 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. For HUFs, the Karta should sign on behalf of the HUF. For partnership firms, a partner should sign on behalf of the firm. Similarly, for an Association of Persons or a company, the Application Form must be signed by the Authorised Signatory/Signatories, as applicable.

7. Only individual(s) can make nomination. Please refer Instruction VII for further details regarding nomination.

8. Where units are held in the names of two or three persons, such persons shall be deemed to hold the units on a first holder basis. In case of HUF/ Partnership Firm/AoP/Company etc., no joint holding will be considered. All tax exemptions can be availed of only by the first holder, in case of additional holdings. Please note that if you do not mention the mode of holding in the Application Form, it will be deemed to be “joint”.

9. In case of applications under a Power of Attorney (“PoA”) or by a limited company or by a body corporate or Eligible Institution or a registered society or a trust or a fund, the original PoA or a certified true copy thereof, duly notarized, and the relevant resolution or authority to make the application, as the case may be, including authority granted in favour of the officials signing the Application Form and their specimen signature or duly certified true copies thereof, along with a certified true copy of the Memorandum and Articles of Association and/or bye-laws and/or trust deed and/or partnership deed as well as the certificate of registration, must be lodged at the office of the Registrar, quoting the serial number of the Application Form simultaneously with the submission of the Application Form, failing which the said Form is liable to be rejected.

10. Any application without broker code will be treated as a ‘Direct Investment’.

11. Any subsequent changes in static information such as address, bank details, sub-option etc. will be based on written communication from investors. These changes will be effected within 5 days of the valid signed request reaching the office of the Registrar KFIN Technologies Private Limited ("Registrar") at Hyderabad, and any interim financial transactions will be effected with last available/registered details only.

12. All allotments will be provisional, subject to realisation of payment instrument and subject toBaroda Asset Management India Limited (“AMC”) having been reasonably satisfied that the Fund has received clear funds. Any redemption or switch-out transaction in the interim is liable to be rejected at the sole discretion of the AMC.

III. BANK ACCOUNT DETAILS :

1. SEBI regulations have made it mandatory for applicants/investors to mention their bank account numbers in their purchase applications/requests for redemptions. Please provide the full particulars of the Bank Account of the sole/first applicant, such as nature of Account, Account Number, 9 digit MICR Code Number (for Electronic Credit Facility), branch address of the bank etc. in the appropriate space in the application Application Form. Please provide the MICR code / IFSC code to help you in future for ECS / NEFT credit of redemption payouts. Please attach a copy of a cancelled cheque leaf. Application forms (and redemption requests) without the mandatory bank details are liable to be rejected.

2. Redemption proceeds and dividends will be (i) despatched by a reasonable mode of despatch such as courier, registered post, ordinary post/UCP etc. in case the payment is made by cheque or (ii) directly credited to the first applicant/holder’s Bank Account (as per the details mentioned by the investor) in case the applicant(s) avail of the direct credit facility, RTGS or NEFT, and this shall be entirely and solely at the risk of the applicant(s).The applicant(s) will not hold the Fund or the AMC or the Registrar or the Trustee to the Fund responsible for any non-receipt or delay of receipt of redemption proceeds or dividends due to any negligence or deficiency in service by the courier company, postal authorities or the bank executing the direct credit/RTGS/NEFT, or due to incorrect bank account details provided by the applicant(s).

3. Multiple Bank Accounts Registration Facility and Updation of Bank Accounts :

• The Fund offers its investors the facility to register multiple bank accounts for pay-ins &pay-outs and designate one such registered bank account as “Default Bank Account”. Individuals, HUFs and sole proprietary firms can register upto five bank accounts and a non-individual investor can register upto ten bank accounts in a folio. You may avail of this facility by using the “Multiple Bank Accounts Registration Form”, available at ISCs and on the website of the AMC, www.barodamf.com. You may update the bank accounts in your account/folio at any time either through the aforesaid Multiple Bank Accounts Registration Form or through a standalone separate Change of Bank Mandate form. You may download the multiple Bank Form from our website www.barodamf.com.

• If no “Default Bank Account” is specified, the AMC reserves the right to designate any of the bank accounts as the ‘Default Bank Account’. Default Bank Account will be used for all redemption payouts, if no other registered bank account is specified in the redemption request for receiving redemption proceeds, or if a new unregistered bank account is specified in the redemption request for receiving redemption proceeds.

• New bank accounts/change of bank mandate can be registered using the Multiple Bank Accounts Registration Form or through a standalone separate Change of Bank Mandate form, as mentioned earlier. In case a Unit holder provides a new and unregistered bank mandate or a change of bank mandate request along with a specific redemption/dividend payment request (with or without necessary supporting documents), such bank account will not be considered for payment of redemption/dividend proceeds. The Proceeds of such a redemption/dividend payment request will be sent only to the bank account that is already registered and validated in the folio at the time of processing of the transaction. Please note that any payments to any unregistered bank account or a new bank account forming part of redemption request shall not be entertained or processed.

• For any request for change of bank mandate/registering a new Bank account using the Multiple Bank Accounts Registration Form or a standalone Change of Bank Mandate form, please enclose, in respect of the new Bank Account:

• An original cancelled cheque leaf of the new Bank account, with the first applicant's / unit holder's name and Bank account number printed on the face of the cheque OR

• An original cancelled cheque of the New Bank Account without printed name AND Bank Account number and one of the following:

• A latest original Bank statement;

• The original Bank passbook with current entries not older than 3 months;

• An original letter duly signed by the branch manager/authorized personnel of the Bank.

If photocopy of any document is submitted, the copy should be certified by the Bank, or the original should be produced for verification.

In addition to the above, the AMC may require, in respect of the existing bank mandate which is undergoing a change on account of registering the new bank account, any one of the following documents:

• An original cancelled cheque with the first unit holder’s name and bank account number printed on the face of the cheque;

• A latest original copy of bank statement/passbook (if photocopy is submitted, it has to be certified by the Bank, or the original has to be produced for verification);

• Original letter issued by the bank on the letterhead, confirming the bank account holder with the account details, duly signed and stamped by the branch manager or

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

Please note that any request without the necessary documents will be treated as invalid and will not be acted upon, and any financial transaction, including redemption, will be carried out with the previously registered details only.

• Valid change of bank mandate requests with supporting documents will be processed within ten days of the documents reaching the head office of the Registrar, and any financial transaction request received in the interim will be carried out based on the previously registered details. Please note that a new unregistered bank account specified in any redemption request for receiving redemption proceeds will not be considered.

• If you are a first-time investor, the bank account mentioned in the Application Form will be treated as the default bank account, unless a separate request (Multiple Bank Accounts Registration Form) to register multiple bank accounts and to use any one of those registered bank accounts as the default bank account is submitted by the investor.

• Registered bank accounts may also be used for verification of pay-ins (i.e. receiving subscription funds) to ensure that a third-party payment instrument is not used for subscription. The default bank account will be used for all redemption payouts, unless the Unit holder(s) specifies/specify one of the existing registered bank accounts in the redemption request for receiving redemption proceeds. However, in case Unit holder(s) does/do not specify the default account, the Fund reserves the right to designate any of the registered bank accounts as the default bank account.

4. If you opt to hold units in demat mode, please provide bank account details linked with your demat account. In case of any discrepancy, the details as per the depository will prevail.

IV. KNOW YOUR CUSTOMER (KYC) AND PERMANENT ACCOUNT NUMBER (PAN) COMPLIANCE :

1. PAN :

• SEBI has made it mandatory for all applicants (in the case of application in joint names, each of the applicants) to mention their PAN, irrespective of the amount of purchase.

• Where the applicant is a minor and does a not possess his / her own PAN, he / she shall quote the PAN of his/ her father or mother or the court appointed legal guardian, as the case may be.

• In order that the AMC/Registrar may verify that the PAN of the applicants (in case of application in joint names, each of the applicants) has been correctly quoted in the Application Form, please attach along with the Application Form, a photocopy of the PAN card self-certified, or provide the original PAN Card for verification. The original PAN Card will be returned immediately across the counter after verification.

INSTRUCTIONS FOR FILLING UP THE APPLICATION FORM

• Applications (i) by investors residing in the state of Sikkim, (ii) by officials appointed by courts such as official liquidator, court receiver etc. and (iii) for subscription by the Central Government and/or a State Government are exempt from the mandatory requirement of PAN, however sufficient documentary evidence shall have to be submitted to enable verification that they are residents of the state of Sikkim. Investors (being individuals) applying for Micro SIP registrations are exempt from mandatory requirement of PAN submission. Such set of customers, however, need to complete the necessary KYC requirements, and get a unique reference number from the KRA’s system called PAN Exempt KYC Reference No. (PEKRN).

A copy of the KRA issuance letter containing PEKRN should be attached with each application/ transaction.

• In the event of any Application Form being subsequently rejected for mismatch of applicant's PAN details with the details on the website of the Income Tax Department, the investment transaction will be cancelled and the amount may be redeemed at the applicable NAV, subject to levy of exit load, if any. Please contact any of the Investor Service Centres / Registrar / Distributors or visit our website, www.barodamf.com, for further details.

2. KYC :

• To simplify KYC norms and make them more investor friendly and uniform across all intermediaries registered with SEBI, SEBI has recently laid down certain changes in the KYC process. The primary objective behind this is to eliminate duplication of KYC across intermediaries in the securities market. For this purpose, KYC registration is being centralized through KYC Registration Agencies (“KRA”) registered with SEBI. Thus, each investor has to undergo a uniform KYC process only once in the securities market and the details would be shared with other intermediaries by the KRAs. CDSL Ventures Ltd. (“CVL”), who was retained by mutual funds for centralized registration and record keeping of KYC records, has obtained SEBI registration as a KRA. Further, SEBI has mandated an In Person Verification (“IPV”) of clients to be carried out as part of KYC. IPV shall be a one-time process, and once it is carried out by an intermediary, may be relied upon by other intermediaries also. For mutual funds, IPV may be carried out by the AMC or by the Registrar, or by Know Your Distributor (“KYD”) compliant distributors who hold valid certifications issued by the National Institute of Securities Market (“NISM”)/ Association of Mutual Funds in India (“AMFI”) for their own clients or by Scheduled Commercial Banks (SCB).

• Under the new uniform KYC norms, the following shall be applicable for investing in the Scheme under this KIM :

1. For New Investors who are not KYC compliant under the erstwhile or new KYC norms:

a. KYC Application Form to be used, which is attached along with the application.

b. IPV/ Document verification to be done by the Registrar/AMC/KYD compliant distributors/SCBs.

c. Acknowledgement to be issued to the investor to facilitate subsequent investments from the investor.

d. KYC application and necessary documents should either come along with a financial transaction or when the account is opened. This is in line with demat and bank account opening process.

2. For New Investors who have already done their KYC with any other SEBI registered intermediary under the new KYC norms: a. Such KYC compliant investors would not be required to do KYC again.

3. For Existing Investors in the MF Industry: They will not be required to do KYC again.

• Investors who have completed their Centralised KYC (CKYC) and have obtained KYC Identification Number (KIN) from the Central KYC Records Registry (CKYCR), may quote their KIN while investing.

• KYC compliance with a KRA and enclosing the KYC Acknowledgement along with the Application Form are mandatory for all investors, including individuals, non-individuals, NRIs and channel investors, irrespective of the amount of application/value of transaction. Applicants applying for units through a PoA must ensure that the KYC Acknowledgement of both the issuer of the PoA and the holder of the PoAare enclosed along with the Application Form. The KYC Acknowledgement referred above will be issued by the KRA when an investor submits to the KRA, a KYC application and the prescribed documents. This KYC Acknowledgement is issued by the KRA as a token of having verified the identity and address of the investor(s) and for efficient retrieval of records.

• KYC status will be validated with the records of the KRA before allotting units. The Fund/AMC will not be held responsible and /or liable for rejection of KYC Form by the KRA. Where it is not possible to verify the KYC compliance status of the investor at the time of allotment of units, the Registrar/AMC/Trustee shall verify the KYC compliance status of the investor within a reasonable time after the allotment of units. In the event of non-compliance of KYC requirements, the Trustee / AMC reserves the right to freeze the folio of the investor(s) and effect mandatory redemption of unit holdings of the investors at the applicable NAV, subject to levy of exit load, if any. In case of an investor applying for CKYC effective February 1, 2017, if there is a mismatch in the name appearing in the CKYC application form and the one mentioned in the Proof of Identity (POI) document, CERSAI will reject the CKYC application. Investors are, therefore, advised to ensure that their names appearing in the CKYC application form and in the POI document are same.

• Please note that you need to comply with the KYC requirements by submitting requisite documents to the Registrar/AMC/Fund or any SEBI registered KRA and attaching the KYC Acknowledgement with the Application Form. For more information, please log on to www.cvlindia.com / www.amfiindia.com, before investing.

Applications are liable to be rejected if KYC requirements are not complied with by all the applicants, and if KYC acknowledgement is not enclosed with the Application Form.

Please note that KYC applicability norms for various investor categories may change anytime in future. Hence, with a view to avoiding rejections, investors are requested to apprise themselves about KYC applicability before submitting their transactions.

V. INTIMATION TO INVESTORS :

Please note the following with respect to intimation to investors / unit holders regarding change of any request / rejection of such request:

• For any change or rejection of any request such as bank mandate, address etc., you may be intimated by way of letters or, if registered with the AMC/Fund, by way of emails and/or SMS.

• On receipt of any request for change of address or bank accounts, the AMC/Registrar will carry out necessary changes in the records, and send you an intimation letter to your old and new addresses, besides an intimation via e-mail and/or sms, if registered with the AMC/Fund.

• In case your request for change of address is rejected of due to any reason such as signature difference, the rejection intimation letter shall be sent to your old and new addresses, as well as via email and/or sms, if registered with the AMC/Fund.

• In case you have submitted a request for change of email ID or mobile number, the change intimation will be sent to your old and new email IDs and/or mobile numbers.

VI. INVESTMENT DETAILS AND PAYMENT PROCEDURE :

1. Please mention the Option (Dividend/Growth) and Sub-Option (Reinvestment) you would like to invest in. In case you do not mention the Option, Growth Option will be deemed to be the default Option and units will be allotted to you under this Option.

2. Payment may be made by MICR cheque drawn on/made payable at all such places where Investor Service Centers (“ISC”) are located and mailed to the nearest ISC. The Cheque must be drawn in the name of the scheme and crossed "ACCOUNT PAYEE & NOT NEGOTIABLE". Further, in order to avoid fraud and prevent misuse of payment instruments, investors are advised to draw payment instrument (i.e. cheque, pay order etc.) favouring either name of scheme - <Name of the First Investor>” or name of scheme - <Permanent Account Number of the First investor>” or name of scheme - <Folio number>”.

3. In case of subscription by NRIs/ FIIs, in case the payment is made through Indian Rupee drafts purchased abroad or from FCNR or NRE Accounts, an Account Debit Certificate from the bank issuing the draft, confirming the debit should be submitted. For subscription made through NRE/ FCNR account cheques, the Application For must be accompanied by a photocopy of the cheque or Account Debit letter/Certificate from the banker.

4. Overseas Corporate Bodies, i.e. firms & societies which are held directly or indirectly but ultimately to the extent of at least 60% by NRIs & trusts, in which at least 60% of the beneficial interest is similarly held irrevocably by such persons, shall not be allowed to invest in the Scheme.

5. Subscription by Multilateral Funding Agencies, on full repatriation basis, is subject to approval by the Foreign Investment Promotion Board.

6. Application Form (duly completed), along with a cheque (drawn on the nearest ISC/ transaction acceptance centre)/ may be sent by mail directly to the nearest ISC / transaction acceptance centre, or at Hyderabad may be sent to the Registrar, viz. KFIN Technologies Private Limited, Karvy Selenium Tower B, Plot number 31 & 32, Financial District, Nanakramguda, Serilingampally Mandal, Hyderabad - 500 032.

7. Please note the following points before submitting the Application Form at any of the collection centres.

i) Stock invests, outstation cheques, post-dated cheques, post-dated account-to-account transfer instructions, money orders and postal orders will not be accepted and Application Forms accompanied by such payment instruments are liable to be rejected.

ii) Cheques once returned in clearing will not be presented again, and the accompanying Application Form may not be considered for allotment.

8. The right to accept or reject any application in whole or in part lies with the Trustee to the Fund.

9. Third Party Payments -

• A payment towards subscription by cheque /RTGS/NEFT or any mode whatsoever is regarded as a ‘Third Party’ payment, if the payment is issued from a bank account other than that of the beneficiary investor. In order to safeguard the interests of applicants and avoid fraudulent transactions in any other name, the Fund does not generally accept Third Party Payments. The first applicant has to be one of the joint holders of the bank account from which the payment is made via cheque/Funds transfer/RTGS/NEFT. Therefore, please mention the bank account number, bank name & branch address from where the payment is issued and ensure that they match with details on the payment instrument, where applicable.

• Where the payment instrument does not mention the bank account holder’s name(s), please attach bank pass book copy/bank statement (showing the account number, account holder’s name and address)/bank letter (mentioning details like bank account number, branch address, account type etc.), with a view to substantiating that the first applicant is one of the joint holders of the bank account concerned.

• In case of RTGS, NEFT, ECS, bank transfer etc., please submit an acknowledged copy of the instruction to the bank stating the account number to be debited.

• In specific and exceptional situations where Third Party payments are permitted, such as (i) payment by parents / grand parents / related persons* on behalf of a minor (other than by a registered guardian) in consideration of natural love and affection or as gift for value not exceeding ̀ 50,000 for each purchase or (ii) payment by a custodian on behalf of an FII or a client, and (iii) payment by an employer on behalf of employees, KYC of the investor and KYC of the person making the payment are both mandatory, irrespective of the amount. Additionally, a joint declaration is also required to be submitted. *‘Related Person’ means any person investing on behalf of a minor in consideration of natural love and affection or as a gift.

• The AMC reserves the right to reject the Application Form, or call for additional details, if the payment bank account and other details are not mentioned on the Application Form and/or do not match with the payment instrument and/or necessary documents and declaration, as applicable to respective investors and transactions, are not attached or are insufficient. In case the funds are transferred to the Scheme account prior to the rejection of the Application Form, the amount transferred may not be refunded or redeemed unless the investor establishes KYC with additional documentation.

• Investors are advised to visit www.barodamf.com for more details, including the formats.

10. Please note that:

(i) Regular Plan is meant for investors who route their investments through distributors only.

(ii) Direct Plan is meant for direct investments, i.e. for investors who purchase/subscribe to the units of the Scheme directly with the Fund, and is not available for investors who route their investments through a Distributor.

Both Plans will have a common portfolio, but Direct Plan will have a lower expense on account of absence of brokerage and commission. Hence both plans will have distinct NAVs.

VII. NOMINATION :

1. Nomination is mandatory where the mode of holding is single. Hence, Application Forms for sole applicants, without nomination, are liable to be rejected. Nomination can be made only by individuals applying for/holding units on their own behalf singly. Even those investors who do not wish to nominate must sign separately confirming their intention to not nominate. Where the mode of holding is joint, nomination is not mandatory; however a separate declaration indicating the wish not to nominate shall be given.

2. Nomination shall not be permitted if the investment is on behalf of a minor. However, minors can be nominated and in that event, the name, address & signature of the guardian of the minor nominee(s) shall be provided by the applicant.

3. The Nominee shall not be a trust, society, body corporate, partnerships firm, member of Hindu Undivided Family or a Power of Attorney holder. A nonresident Indian can be a nominee, subject to the policy of exchange control for the time being in force.

4. Nomination in respect of the units stands rescinded upon transfer / transmission / switch-over of units.

INSTRUCTIONS FOR FILLING UP THE APPLICATION FORM (CONTD.)

5. Transfer of units in favour of Nominee(s) shall be valid discharge by the AMC against the legal heirs, executors, administrators, etc.

6. Cancellation of nomination can be made only by those individuals who hold units in their own name, either solely or jointly, and who have originally made the nomination.

7. On cancellation of nomination, the nomination shall stand rescinded and the AMC shall not be under any obligation to transfer the units in favour of the nominee(s).

8. The rights in the units will vest in the nominee(s) only upon the death of all Unit Holders.

9. Nomination can be made in favour of a maximum of three nominees. In case of multiple nominees, the percentage of the allocation/share should be in whole numbers (without any decimals), making a total of 100%.In the event of the applicants not indicating the percentage of allocation/share for each of the nominees, the AMC, by invoking the default option, will settle the claim equally amongst all the nominees.

10. Nomination will maintained at the folio / account level and will be applicable for all investments in that folio or account.

11. Where a folio has joint holders, all joint holders shall sign the request for nomination, even if the mode of holding is not “joint”.

VIII. TRANSACTION CHARGE :

The following transaction charges shall be applicable:

(i) Nil on subscription amounts of less than ̀ 10,000/-;

(ii) ` 100/- on every subscription of ̀ 10,000/- and above for an existing investor in mutual funds;

(iii) ` 150/-* on a subscription of `10,000/- and above for an investor investing in mutual funds for the first time.

(iv) For SIP, transaction charges will be recovered in 4 installments

*In the case of any applicable transaction, where the AMC/Fund/Registrar is unable to identify whether the investor concerned is a first-time investor in mutual funds, ̀ 100/- will be charged as transaction charge.

The transaction charges referred to in (ii) and (iii) above will be payable only for transactions done through a distributor who has opted to receive the transaction charge.

IX. EMPLOYEE UNIQUE IDENTIFICATION NUMBER :

SEBI circular dated September 13, 2012 has directed AMCs to capture in the Application Form, in addition to the AMFI Registration Number (ARN) of the distributor, the Unique Identity Number (EUIN) of the employee/relationship manager/sales person of the distributor who has interacted with the investor concerned for the sale of the relevant mutual fund scheme. It is mandatory to mention the EUIN in the box provided for this in the Application Form, particularly in advisory transactions, as the EUIN will assist in tackling issues relating to mis-selling even if the employee/relationship manager/sales person leaves the employment of the distributor.

X. REDEMPTION / REFUND PAYOUTS :

Baroda Mutual Fund shall credit redemption proceeds / refund payout into the investor’s account electronically, in case the IFSC Code /MICR code has been provided by the investor. An investor who purchases units through a broker / clearing member in electronic mode will receive units in his/her/its account through his/her/its broker / clearing member’s pool account. The AMC will credit the units to the broker / clearing member's pool account, and they in turn will credit the units to the investor's account. Credit of units to the broker / clearing member's pool account by the AMC shall discharge the AMC of its obligation of allotment of units to the investor. In case of Bank / Broker / Clearing Member not crediting the investors bank account with /without assigning any reason for it or if the transaction is delayed or not effected at all for reasons of incomplete or incorrect information, the investor shall not hold Baroda Mutual Fund responsible. In case the account number furnished by the investor is found incorrect, the investor shall not hold Baroda Mutual Fund responsible for the credit going to the wrong account. Further, Baroda Mutual Fund reserves the right to issue a payable at par cheque, in case it is not possible to make payment by NEFT /ECS.

XI. COMPLIANCE UNDER FOREIGN ACCOUNT TAX COMPLIANCE ACT (FATCA) :

As mentioned by SEBI in its circular no. CIR/MIRSD/2/2014 dated Aug 26, 2015, India and the United States of America (“USA”) have signed an agreement on July 9, 2015, on the terms of an Inter-Governmental Agreement (“IGA”) to implement Foreign Accounts Tax Compliance Act (“FATCA”). Further, the Organization of Economic Development (“OECD”) along with G-20 countries has released a ‘Standard for the along with G-20 countries has released a ‘Standard for Automatic Exchange of Financial Account Information in Tax Matters’ commonly known as Common Reporting Standard (‘CRS’). India is signatory to the Multilateral Competent Authority Agreement (“MCAA”) for the purposes of CRS.

The AMC / Mutual Fund is classified as “Foreign Financial Institution” under the FATCA provisions. The intention of FATCA is that the details of U.S. investors holding assets outside the U.S. will be reported by financial institutions to the United States Internal Revenue Service (IRS), as a safeguard against U.S. tax evasion. As a result of FATCA, and to discourage non-U.S. financial institutions from staying outside this regime, financial institutions that do not enter and comply with the regime will be subject to a 30% withholding tax with respect to certain U.S. source income. Under the FATCA regime, this withholding tax applies to payments that constitute interest, dividends and other types of income from the US sources. The AMC/Mutual Fund would be required to collect relevant information(s) from the investors towards FATCA / CRS compliance and report information on the holdings or investment to the relevant authorities as per the stipulated timelines.

Details under FATCA & CRS: The Central Board of Direct Taxes has notified Rules 114F to 114H, as part of the Income- tax Rules, 1962, which Rules require Indian financial institutions such as Investment Entities to seek additional personal, tax and beneficial owner information and certain certifications and documentation from all our account holders. In relevant cases, information will have to be reported to tax authorities / appointed agencies. Towards compliance, we may also be required to provide information to any institutions such as withholding agents for the purpose of ensuring appropriate withholding from the account or any proceeds in relation thereto.

Should there be any change in any information provided by you, please ensure you advise us promptly, i.e., within 30 days.

Please note that you may receive more than one request for information if you have multiple relationships with Baroda Mutual Fund or its group entities. Therefore, it is important that you respond to our request, even if you believe you have already supplied any previously requested information.$It is mandatory to supply a TIN or functional equivalent if the country in which you are tax resident issues such identifiers. If no TIN is yet available or has not yet been issued, please provide an explanation and attach this to the form.

In case customer has the following Indicia pertaining to a foreign country and yet declares self to be non-tax resident in the respective country, customer to provide relevant Curing Documents as mentioned below:

FATCA & CRS Indicia observed (ticked)

Documentation required for Cure of FATCA/ CRS indicia

U.S. place of birth

1. Self-certification that the account holder is neither a citizen of United States of America nor a resident for tax purposes;

2. Non-US passport or any non-US government issued document evidencing nationality or citizenship (refer list below);AND

3. Any one of the following documents:

Certified Copy of “Certificate of Loss of Nationality”.

or Reasonable explanation of why the customer does not have such a certificate despite renouncing US citizenship;

or Reason the customer did not obtain U.S. citizenship at birth.

Residence/mailing address in a country other than India

1. Self-certification that the account holder is neither a citizen of United States of America nor a tax resident of any country other than India; and

2. Documentary evidence (refer list below).

Telephone number in a country other than India

If no Indian telephone number is provided

1. Self-certification that the account holder is neither a citizen of United States of America nor a tax resident of any country other than India; and

2. Documentary evidence (refer list below).

If Indian telephone number is provided along with a foreign country telephone number

1. Self-certification that the account holder is neither a citizen of United States of America nor a tax resident for tax purposes of any country other than India; OR

2. Documentary evidence (refer list below).

Telephone number in a country other than India

1. Self-certification that the account holder is neither a citizen of United States of America nor a tax resident of any country other than India; and

2. Documentary evidence (refer list below).

List of acceptable documentary evidence needed to establish the residence(s) for tax purposes:

1. Certificate of residence issued by an authorized government body*.

2. Valid identification issued by an authorized government body* (e.g. Passport, National Identity card, etc.).

*Government or agency thereof or a municipality of the country or territory in which the payee claims to be a resident.

Applicants are required to refer to the information on FATCA contained in the application form. Signing up of declaration or filling up of indicia, as applicable, is mandatory, in the absence of which, the applications are liable to be rejected.

XII.

The Ministry of Finance (Department of Revenue) in consultation with the Reserve Bank of India has made certain amendments to the Prevention of Money Laundering (Maintenance of Records) Rules, 2005, namely, the Prevention of Money Laundering (Maintenance of Records) Second Amendment Rules, 2017 (“Amended Rules”), effective June 1, 2017, which inter alia make it mandatory for investors to submit their Aadhaar number issued by the Unique Identification Authority of India (UIDAI) and other prescribed details in respect of their investments.

i. Requirements for all folios prior to June 01, 2017:

For folios existing prior to June 01, 2017, investors are required to submit the requisite details / documents, as stated above, by December 31, 2017. In case of failure by such investors, to submit the above details by December 31, 2017, the folios of such investors shall cease to be operational till the time the above details are submitted by the investors.

ii. Requirements for folios opened between June 01, 2017 and October 15, 2017:

For folios opened between June 01, 2017 and October 15, 2017, investors are required to submit the requisite details / documents, as stated above, by December 31, 2017. In case of failure by such investors, to submit the above details by December 31, 2017, the folios of such investors shall cease to be operational till the time the above details are submitted by the investors.

iii. Requirements for folios opened from October 16, 2017 to December 31, 2017:

For all folios opened from October 16, 2017 to December 31, 2017, investors are required to submit the requisite details / documents, as stated above, at the time of account opening. In case of failure by such investors, to submit the above details at the time of account opening, the AMC may, at its sole discretion, open the account pending receipt of the requisite details/ documents. In such cases where the AMC decides to open the account, if the investors fail to submit the requisite details/ documents by December 31, 2017, the folios of such investors shall cease to be operational till the time the above details are submitted by the investors.

iv. Requirements for folios opened from January 01, 2018:

For all folios opened from January 01, 2018, investors are required to submit the requisite details / documents, as stated above, at the time of account opening. No new folios shall be opened from January 01, 2018, if the requisite details / documents, as stated, are not submitted at the time of account opening.

Where the investors who are individuals or in the case of investors who are non-individuals, managers, officers or employees or persons holding an attorney to transact on the investor’s behalf, as the case may be, do not have an Aadhaar number, the proof of enrolment for Aadhaar can be submitted. However, in such cases, the Aadhaar number shall be required to be provided for eventual authentication within the prescribed timeframe of 6 months as aforesaid, failing which the account / folio shall cease to be operational.

The mandatory requirement to submit the Aadhaar details/ documents by existing as well as new investors has been deferred till further notice.

XIII VIRTUAL PAYMENT INTERFACE (VPI)

Unified Payments Interface (UPI) is a payment system launched by National Payments Corporation of India and regulated by the Reserve Bank of India which facilitates the instant fund transfer between two bank accounts on the mobile platform. It is a quick and easy way to send and receive money using a Virtual Payment Address without entering additional bank details. Investors can use their VPAs to make investment if registered for online transactions on our website www.barodamf.com.

AADHAAR

INSTRUCTIONS FOR FILLING UP THE APPLICATION FORM (CONTD.)

Please read product labeling details available on cover page and the instructions before filling up the Application Form. Tick (ü) whichever is applicable, strike out whichever is not required.

Common Application Form(For Lumpsum / Systematic Investments)

NAME AS PER PAN CARD

Minor through guardian

Others

Resident Individual Foreign National Resident in India NRI - Non Repatriation Body Corporate

NGO Sole Proprietorship

NRI-Repatriation

Society / Club PartnershipAOPOCIPIOQFICompanyFPIsTrustHUFLLPBOI

Status of the First Applicant (Mandatory, please ü)

TRANSACTION CHARGES FOR APPLICATIONS THROUGH DISTRIBUTORS ONLY (Please refer Instructions VIII)

Existing Folio Number

In case the subscription amount is 10,000/- or more and your distributor has opted to receive Transaction Charges, they are deductible, as applicable, from the purchase / subscription amount and payable to the distributor. Units will be issued against the balance amount.

`

I confirm that I am an existing investor across Mutual Funds.( 100 deductible as Transaction Charge and payable to the Distributor)`

I confirm that I am a first time investor across Mutual Funds.(` 150 deductible as Transaction Charge and payable to the Distributor)

ACKNOWLEDGEMENT SLIP (To be filled in by the investor)

Signature, Stamp & Date

Received from Mr. / Ms. / M/s.

Option (please )P Growth Dividend

along with Cheque / UTR No. D D M M Y Y Y YDated

Amount `Drawn on (Bank)

an Application for scheme

Sub-option (please )P Reinvestment

SOLE / FIRST APPLICANT'S PERSONAL DETAILS (Please fill in ALPHABETS and use one box for one alphabet, leaving one box blank between two words, as it appears in your PAN Card)

PAN

City

Pincode State Country (Mandatory)

MODE OF HOLDING Default Option: Joint JointORSingle Anyone or SurvivorOR (Please refer Instructions II)

Address [P. O. Box Address is not sufficient] (Indian address, in case of NRIs/ FPI's)

Name of the Guardian (in case First / Sole Applicant is minor) / Contact Person - Designation / PoA Holder (In case of Non-Individual Investors)

SECOND APPLICANT'S Name

THIRD APPLICANT'S Name Mr Ms

Name Mr Ms M/s

*Wherever email ID is registered, an electronic Statement of Account (e-SOA) will be shared with the investor. In case you want to receive a physical statement, please request for the same separately.Investors are advised to give their email IDs or that of their family member and not third party so that the important communication from the Fund reaches them directly and in time. This will also prevent any unintended consequences that can arise out of providing third party email ids.

Phone (Off.) Fax No. Mobile No.

Phone (Res) Email ID1*

Status (please )PEmail ID2* Dependent ParentsSelf Spouse Dependent Children

Pay-out

Mr Ms

DISTRIBUTOR INFORMATION (Only empanelled Distributors / Brokers will be permitted to distribute Units of Baroda Mutual Fund)

I/We hereby confirm that the EUIN box has been intentionally left blank by me/us as this transaction is executed without any interaction or advice by the employee/relationship manager/ sales person of the above distributor/sub broker or notwithstanding the advice of in-appropriateness, if any, provided by the employee/relationship manager/sales person of the distributor/ sub broker.

1st Applicant Signature / Guardian Signature / POA Signature / Thumb Impression 3rd Applicant Signature / POA Signature / Thumb Impression2nd Applicant Signature / POA Signature / Thumb Impression

Distributor / Broker ARN Sub-Broker Code LG CodeEUINSub-Broker ARN RIA Code

Add convenience to your life with our value added service

Simply send **SMS to 9212 132763 to avail the below facilities

Balance SMS BAL <space> last 6 digits of Folio No.

NAV SMS NAV <space> last 6 digits of Folio No.

Statement thru Email SMS ESOA <space> last 6 digits of Folio No.

Last 3 Transactions SMS Transaction <space> last 6 digits of Folio No.

**SMS charges as per service provider applicable.

SMSSMSInvestor can avail below facilities

1. NAV

2. Account Balance

3. Account Statement

4. Last 5 TransactionsIVR

24x7

9 am to 6 pm - Monday to Saturday on all Business Days

nd th9 am to 2 pm on 2 & 4 Saturdays of the Month

For more details call : 1800-2670-189 (Toll Free)

www.barodamf.com

#PAN/PEKRN

Date of Birth

First Applicant**

Aadhaar

Second Applicant Third Applicant

KIN No (CKYC)

D D M M Y Y Y Y

**Incase Minor / POA

Guardian (In case of Minor) POA Holder

Name

Relationship

Date of Birth of Minor

PAN/PEKRN

Aadhaar

KIN Nos. (CKYC)

D D M M Y Y Y Y

Information (*Mandatory)

# #(Refer Instruction IV) Please attach PAN proof.

I/We hereby provide my /our consent in accordance with Aadhaar Act, 2016 and regulations made thereunder, for (i) collecting, storing and usage (ii) validating/authenticating and (ii) updating my/our Aadhaar number(s) in accordance with the Aadhaar Act, 2016 (and regulations made thereunder) and PMLA.

I/We hereby provide my/our consent for sharing/disclosing my Aadhaar number(s) including demographic information with the asset management companies of SEBI registered mutual funds and their Registrar and Transfer Agents (RTA) for the purpose of updating the same in my/our folios.

Consent

Signature

D D M M Y Y Y Y D D M M Y Y Y Y

Politically Exposed Person (PEP) Self Related Not Applicable Self Related Not Applicable Self Related Not Applicable

Is the entity involved in any of the following services:

• Foreign Exchange/ Money Changer Yes No • Gaming/ Gambling/ Lottery (casinos, betting syndicates) Yes No • Money Lending/ Pawning Yes No

Gross Annual Income

Occupation of the Applicant

Net-worth* in ` (Lacs)*Should not be older than one year (Mandatory for Non-Individual)

Networth as of date

Non-Individuals

D D M M Y Y Y Y D D M M Y Y Y Y D D M M Y Y Y Y

Public Co.(Listed) Public Co.(Unlisted)

Housewife Builder Sports Defence

Student Business Professional Retired

Forex Dealer Gov. Service Agriculture

Pvt. Sector Service

Entertainment

Public Sector Service

Other

OR

Information to Investor's

The purpose of collection/usage of Aadhaar number including demographic information is to comply with applicable laws/rules/regulations and provision of the said data is mandatory as per applicable laws/rules/regulations. The mandatory requirement to submit the Aadhaar details/ documents by existing as well as new investors has been deferred till further notice.

Post obtaining the Aadhaar number, we shall authenticate the same in accordance with the Aadhaar Act, 2016.

We shall receive your demographic information which shall be used only to comply with applicable laws / rules / regulations.

25 L-1 Cr

<1L

> 1 Cr and so on

5-10 L1- 5 L

10-25 L

Public Co.(Listed) Public Co.(Unlisted)

Housewife Builder Sports Defence

Student Business Professional Retired

Forex Dealer Gov. Service Agriculture

Pvt. Sector Service

Entertainment

Public Sector Service

Other

Public Co.(Listed) Public Co.(Unlisted)

Housewife Builder Sports Defence

Student Business Professional Retired

Forex Dealer Gov. Service Agriculture

Pvt. Sector Service

Entertainment

Public Sector Service

Other

25 L-1 Cr

<1L

> 1 Cr and so on

5-10 L1- 5 L

10-25 L 25 L-1 Cr

<1L

> 1 Cr and so on

5-10 L1- 5 L

10-25 L

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

State Country Zip Code

REDEMPTION / REFUND PAYOUTS (Refer Instruction X for details)

Option (please )P Growth Dividend

Scheme Name

SCHEME DETAILS (Please choose the Option and Sub-option for Investment, please read product labeling details available on Cover Page and Instruction before filling this section)

GROSS AMOUNT (A) A

MODE OF PAYMENT NEFT / RTGSCheque

Cheque DetailsA/c No. A/c Type

Cheque No. DD M M Y Y Y YDate

NET AMOUNT (CHEQUE AMOUNT)CHARGES (IF ANY) (B) B

Drawn on Bank

In case of NEFT / RTGS payment UTR No.

` `

Name of the Bank Branch

Pincode State City

Bank Address

MICR Code (9 digits)

*IFSC Code for NEFT / RTGS

*This is an 11 Digit Number, kindly obtain it from your Bank Branch.Example for filling

the Account No.

Ac. No.

In words

1

One

3

Three

5

Five

7

Seven (Please attach copy of cancelled cheque)

Account no. (in words)

Account No. (in figures) Account Type Savings Current NRO NRE Others

FIRST HOLDER'S BANK ACCOUNT DETAILS (Mandatory) Refer Instruction III. All communication / payments will be made to the first applicant, or to the Karta in case of HUF. Bank account details of first applicant are required, without which the application is liable to be rejected.

Name of Applicant

Place/ City of Birth

Country of Birth

#Country of Tax Residency

Tax Payer Ref. ID No^

Identification Type[TIN or other, please specify]

Country of Tax Residency 2

Tax Payer Ref. ID No. 2

Identification Type[TIN or other, please specify]

Country of Tax Residency 3

First Applicant (including Minor)Category Second Applicant/ Guardian Third Applicant

#To also include USA, where the individual is a citizen/ green card holder of USA. ^In case Tax Identification Number is not available, kindly provide its functional equivalent.

Identification Type [TIN or other, please specify]

Tax Payer Ref. ID No.3

Virtual Payment Address (VPA) (of the Sole / First Holder / Guardian) (for Payment through UPI) (Refer Instruction XIII for more details)

FATCA & CRS INFORMATION [Please tick (ü)] For Individuals & HUF (Mandatory) Non Individual investors should mandatorily fill seperate FATCA detail form

Refer Instruction XI for more details The below information is required for all applicant(s)/ guardian

Address Type: Residential or Business Residential Business Registered Office (for address mentioned in form/existing address appearing in Folio)

Please indicate all countries in which you are resident for tax purposes and the associated Tax Reference Numbers below.

Is the applicant(s) Country of Birth / Nationality / Tax Residency other than India?

If “Yes”, please provide the following information (Mandatory)

First Applicant (including Minor)

Yes No

Second Applicant Third Applicant

Yes No Yes No

UPI

Pay out Reinvestment

Plan (please P) Regular Direct

DEMAT ACCOUNT DETAILS National Securities Depository Limited Central Depository Services (India) Limited

Depository Participant Name Mr / Ms / M/s

DP ID No. Client ID No.I N

INVESTMENT DETAILS (Strike off whichever is not applicable) Only Lumpsum Only SIP Lumpsum & SIPOTM

A minus B

NOMINATION DETAILS (To be filled in by individuals singly or jointly. Mandatory only for Investors who opt to hold units in Non-Demat Form) Refer Instruction VII.

Name and Address of the Nominee(s)

Relationshipbetween Nominee

& Investor

Name & Address of Guardian(to be furnished in case the nominee is minor)

Signature of Guardian / Nominee

Proportion (%) by which the units will be shared by each nominee

(% to aggregate to 100%)Date of Birth

Nominee 1

Nominee 2

Nominee 3

I/We have read and understood the contents of the scheme related documents and hereby apply for allotment of units in the Scheme. I/We agree to abide by the terms, conditions, rules & regulations governing the Scheme. I/We hereby declare that I/We am/are authorized to make this investment and that the amount invested in the Scheme is through legitimate sources only and does not involve and is not designed for the purpose of any contravention or evasion of any act, rule, regulation, notification or direction or any other applicable laws issued by the Government of India or any regulatory or statutory authority. I/We have understood the details of the Scheme and in the event “Know Your Customer” process is not completed by me/us to the satisfaction of the AMC, I/We hereby authorize the AMC to redeem the funds invested in the Scheme, in favour of the first applicant at the applicable NAV prevailing on the date of such redemption and to undertake such other action with such funds as may be required by law. I/We hereby authorise Baroda Mutual Fund, its Investment Manager and its agents to disclose details of my investment to my bank(s)/Baroda Mutual Fund’ bank(s) and/or Distributor/Broker/Investment Adviser.

The ARN holder has disclosed to me/us all the commission (in the form of trail commission or any other mode), payable to him/it for the different competing schemes of various mutual funds from amongst which the Scheme is being recommended to me/us. I/We have neither received nor been induced by any rebate or gifts, directly or indirectly, in making this investment. I/We declare that the information given in this application form is correct, complete and truly stated. If I/We have not ticked for not appointing a nominee, then the Application Form shall be processed as without nomination.

Applicable for “Execution Only” transaction : I/We, the undersigned, hereby acknowledge and confirm that the above transaction is “Execution Only” as explained vide SEBI circular no. CIR /IMD/DF/13/2011 dated 22 August 2011. This investment is being made notwithstanding the advice of the appropriateness/inappropriateness of the same and the distributor has not charged any advisory fees on this transaction.

Applicable for NRIs : I/We confirm that I am/we are Non-Residents of Indian nationality/origin but not residents of the United States and Canada and I/we hereby confirm that I/we have remitted funds from abroad through approved banking channels or from my/our monies in my/our domestic account maintained in accordance with applicable RBI guidelines.

I / We have understood the information requirements of this Form (read along with the FATCA & CRS Instructions) and hereby confirm that the information provided by me/us on this Form is true, correct, and complete. I / We also confirm that I / We have read and understood the FATCA & CRS Terms and Conditions below and hereby accept the same.

Applicable for FATCA & CRS :

DECLARATION AND SIGNATURES

1st Applicant Signature / Guardian Signature / POA Signature / Thumb Impression

2nd Applicant Signature / POA Signature /Thumb Impression

3rd Applicant Signature / POA Signature / Thumb Impression

DDMMYYYY

DDMMYYYY

DDMMYYYY

Visit us at : www.barodamf.com

Toll Free Number No. : 1800 2670 189

9 am to 6 pm - Monday to Saturday on all Business Days

nd th 9 am to 2 pm on 2 & 4 Saturdays of the Month

Email:info@barodamf.com

DECLARATION AND SIGNATURESI/We have read and understood the contents of the scheme related documents and hereby apply for allotment of units in the Scheme. I/We agree to abide by the terms, conditions, rules & regulations governing the Scheme. I/We hereby declare that I/We am/are authorized to make this investment and that the amount invested in the Scheme is through legitimate sources only and does not involve and is not designed for the purpose of any contravention or evasion of any act, rule, regulation, notification or direction or any other applicable laws issued by the Government of India or any regulatory or statutory authority. The ARN holder has disclosed to me/us all the commission (in the form of trail commission or any other mode), payable to him/it for the different competing schemes of various mutual funds from amongst which the Scheme is being recommended to me/us. I/We have neither received nor been induced by any rebate or gifts, directly or indirectly, in making this investment. I/We declare that the information given in this application form is correct, complete and truly stated. Applicable for NRIs : I/We confirm that I am/we are Non-Residents of Indian nationality/origin but not residents of the United States and Canada and I/we hereby confirm that I/we have remitted funds from abroad through approved banking channels or from my/our monies in my/our domestic account maintained in accordance with applicable RBI guidelines.

Signature / Thumb Impression of Sole /1st Applicant / POA Holder / Guardian

Signature / Thumb Impression of 2nd Applicant /POA Holder / Guardian

Signature / Thumb Impression of 3rd Applicant /POA Holder / Guardian

Application Form STP / SWP / DSO

INSTRUCTION1. An STP will be treated like an SWP from the outgoing scheme and an SIP into the incoming scheme.2. Exit Load, as applicable from time to time, will be levied on STP/SWP.3. In the case of STP/SWP/DSO, the request to start the STP/SWP must reach the ISC at least 7 working

days prior to the first STP/SWP.4. For SWP - incase the payout date is not mentioned, the payroll will continue till the balance units are

reduced to zero.

For STP - incase the period or end date is not given, STP units / amounts will get switched out till it meets the minimum investment amount in switched in scheme. All Dates - there will be four STP transactions processed in a month i.e 1st, 10th, 15th and 25th.Incase the from date is not mentioned, it will be treated as the 10th day of the following month.For DSO - Please refer to website for list of Source Scheme, Target Schemes and detailed terms and conditions. The Minimum amount of dividend eligible for transfer under Dividend Transfer Plan is 200/-.`

ACKNOWLEDGMENT SLIP (To be filled in by the Applicant)

Signature, Stamp & Date

Investor Name

STP / SWP

Folio No. D D M M Y Y Y YDated

Scheme / Plan / Option / Sub-Option

Amount `

To (for STP Only)

DSO

DIVIDEND SWEEP OPTION (DSO) - ENROLMENT DETAILS (Allow 7 days to register, please mention complete Scheme, Plan & Option)

Source Scheme (From where Dividend is to be transferred)

Target Scheme (To where Dividend is to be transferred)

Baroda

Baroda

TRANSACTION CHARGES FOR APPLICATIONS THROUGH DISTRIBUTORS ONLY (Please refer Instructions for filling up the Application Form - VIII)

In case the subscription amount is `10,000/- or more and your distributor has opted to receive Transaction Charges, they are deductible, as applicable, from the purchase / subscription amount and payable to the distributor. Units will be issued against the balance amount.

I confirm that I am an existing investor across Mutual Funds.( ` 100 deductible as Transaction Charge and payable to the Distributor)

I confirm that I am a First time investor across Mutual Funds.( ` 150 deductible as Transaction Charge and payable to the Distributor)

Please refer the STP / SWP / DSO : Terms & Conditions while filling up the Form. Tick ( ) whichever is applicable, strike out whichever is not required.P

Please note that the applicant details and mode of holding are as per the existing Folio Number

SYSTEMATIC TRANSFER PLAN (STP)

Please read product labeling details available on cover page and the instructions before filling up the Application Form. Tick ( ) whichever is applicable, strike out whichever is not required.P

DISTRIBUTOR INFORMATION (Only empanelled Distributors / Brokers will be permitted to distribute Units of the schemes of Baroda Mutual Fund)

I/We hereby confirm that the EUIN box has been intentionally left blank by me/us as this is an “execution-only” transaction without any interaction or advice by the employee/relationship manager/sales person of the above distributor or notwithstanding the advice of in-appropriateness, if any, provided by the employee/relationship manager/sales person of the distributor and the distributor has not charged any advisory fees on this transaction.

Distributor / Broker ARN Sub-Broker Code LG CodeEUINSub-Broker ARN

Folio No. Name of Sole / First Unit Holder

No. of units Capital Appreciation Fixed Amount (Please tick one option only).

Folio No.

Mobile No. Email ID

ORAmount ` (in figures) ` (in words)

Units

STP Frequency

STP Date

FROM

PAN Enclosed (please ü) PAN copy KYC

Monthly (Default) Calendar Quarter D D M M Y Y Y YEnd OnD D M M Y Y Y YStart FromSTP Period

1st 10th (Default)

Scheme Option Sub-Option

TO Scheme Option Sub-Option

15th 25th All dates

SYSTEMATIC WITHDRAWAL PLAN (SWP) (Please tick one option only)Fixed Amount Capital Appreciation

Folio No.

Mobile No. Email ID

ORAmount ` (in figures) ` (in words)

Units

SWP Date

FROM

PAN Enclosed (please P) PAN copy KYC

1st 10th (Default)

Scheme Option Sub-Option

SWP Frequency D D M M Y Y Y YEnd OnD D M M Y Y Y YStart FromSWP PeriodMonthly (Default) Calendar Quarter

15th 25th All dates

RIA Code

This Page has b

een intentio

nally left b

lank.

DISTRIBUTOR INFORMATION (Only empanelled Distributors / Brokers will be permitted to distribute Units of Schemes covered by this KIM)

TRANSACTION CHARGES FOR APPLICATIONS THROUGH DISTRIBUTORS ONLY (Please refer instructions for filling up the Application Form - VIII)

In case the subscription amount is ̀ 10,000/- or more and your distributor has opted to receive Transaction Charges, they are deductible, as applicable, from the purchase / subscription amount and payable to the distributor. Units will be issued against the balance amount.

I confirm that I am an existing investor across Mutual Funds.( ` 100 deductible as Transaction Charge and payable to the Distributor)

I confirm that I am a First time investor across Mutual Funds.( ` 150 deductible as Transaction Charge and payable to the Distributor)

Change in Bank Account for existing Registration with BMFNew Registration with BMFFirst SIP cheque and subsequent via Auto Debit / ECS if the Bank is not participating in ACH Platform. (Please attach copy of cheque / cancelled cheque)

MICRO SIP (Only for Micro SIP - for aggregate investment not exceeding ` 50,000 in a financial year)

Signature

Sole / First Investor Name

INVESTOR AND INVESTMENT DETAILS

Folio / Application No. (Existing Investors : please mention Folio Number)

Scheme Option and Sub Option

PAN DETAILS (Mandatory) *If the First Applicant is a Minor, please state the details of Guardian. # Please attach PAN proof.

Second Applicant

# (Refer Instruction IV)

Upfront commission shall be paid directly by the investor to the AMFI registered distributor, based on the investor's assessment of various factors, including the service rendered by the distributor.

I/We hereby confirm that the EUIN box has been intentionally left blank by me/us as this is an “execution-only” transaction without any interaction or advice by the employee/relationship manager/sales person of the above distributor or notwithstanding the advice of in-appropriateness, if any, provided by the employee/relationship manager/sales person of the distributor and the distributor has not charged any advisory fees on this transaction.

Please refer the SIP : Terms & Conditions while filling up the Form. Tick (P) whichever is applicable, strike out whichever is not required.Please read product labeling details available on cover page and the instructions before filling up the Application Form. Tick (P) whichever is applicable, strike out whichever is not required.

I/We have read and understood the contents of the scheme related documents and hereby apply for allotment of units in the Scheme. I/We agree to abide by the terms, conditions, rules & regulations governing the Scheme. I/We hereby declare that I/We do not have any existing Micro SIPs which together with the current application will result in aggregate investments exceeding ` 50,000 in a year. I/We have neither received nor been induced by any rebate or gifts directly or indirectly in making this Systematic Investment. The ARN holder has disclosed to me/us all the commissions (in trail commission or any other), payable to him for the different competing schemes of mutual funds from amongst which the Scheme is being recommended to me/us. I/We hereby declare that the particulars given here are correct and express my/our willingness to make payments referred above through direct debit/participation in ECS. If the transaction is delayed or not effected at all for reasons of incomplete or incorrect information, I/We would not hold Baroda Mutual Fund, Baroda Asset Management India Limited, its investment manager, or any of their appointed service providers or representatives responsible. I/We will also inform Baroda Asset Management India Limited about any changes in my/our bank account. I/We have read and agreed to the terms and conditions mentioned overleaf.

1st A/c Holder's Signature (as per Mutual Fund Record) / POA / Guardian 2nd A/c Holder's Signature (as per Mutual Fund Record) / POA / Guardian 3rd A/c Holder's Signature (as per Mutual Fund Record) / POA / Guardian

st th th thSIP date should be either 1 / 10 / 15 / 25 (Note: Cheque should be drawn on bank details provided below) (Note: Please allow minimum one month for auto debit to register and start).I hereby authorise Baroda Mutual Fund (BMF) and their authorised service providers to debit my following bank account by ECS (Debit Clearing) / auto debit to account for collection of SIP payments.

Each SIP Amount ( ` )

Amount in wordsst1 SIP Cheque Details

SIP Auto Debit Dates

SIP AND PAYMENT DETAILS

Frequency Status: RI NRIMonthly (Default) Calendar Quarter

D D M M Y Y Y YDateCheque No.

D D M M Y Y Y YEnd OnD D M M Y Y Y YStart FormSIP Period1st 10th 15th 25th of the month

OR Perpetual Until Cancelled (99 years) (Default)

PAN BASED NACH MANDATE CUM SIPREGISTRATION FORM

First/Sole Applicant* Third Applicant

SIP Cancellation

Distributor / Broker ARN Sub-Broker Code LG CodeEUINSub-Broker ARN

DEBIT MANDATE FOR NACH

With Bank IFSC or MICR

An Amount of Rupees `

Folio No. Phone No.

PAN No. Email ID

PERIOD

From D D M M Y Y Y Y

To D D M M Y Y Y Y

Or Until cancelled1. Name as in Bank Records 2. Name as in Bank Records 3. Name as in Bank Records

Signature Primary Account holder Signature Account holder Signature Account holder

Bank A/c. Number

I/We hereby authorize To debit (tick P)BARODA MUTUAL FUND SB / CA / CC / SB NRE / SB NRO / OtherTick (P) Create Modify Cancel

Sponsor Bank Code Utility Code

Declaration: This is to confirm that the declaration has been carefully read, understood & made by me/us. I am authorizing the User entity/ Corporate to debit my account, based on the instruction as agreed and signed by me. I have understood that I am authorized to cancel/amend this mandate by appropriately communicating the cancellation / amendment request to the User entity / Corporate of the bank where I have authorized the debit.

Date D D M M Y Y Y YUMRN

FREQUENCY Mthly Qtrly H-Yrly Yrly As & when presented DEBIT TYPE Fixed Amount Maximum Amount

I Agree for the debit of mandate processing charges by the bank whom I am authorizing to debit my accounts as per latest schedule of charges of the bank.

For Office Use Only

For Office Use Only For Office Use Only

Investor Bank Name and Branch

RIA Code

1. In case of new applications, kindly attach duly filled in application form along with registration cum NACH (National Automated Clearing House) mandate form. Any other format of request will be rejected.

2. Completed application form, SIP auto debit/NACH form & first cheque should be submitted at Baroda Asset Management India Limited (AMC) offices or KFIN ISC’s atleast 30 days prior to first SIP cycle date.

3. New investor in to the Fund should mandatorily give a cheque for the first transaction drawn on the same bank account which is to be debited under NACH/Auto Debit. In case the 1st cheque is issued from an A/c which is different from NACH /auto debit A/c, then a copy of cheque from NACH/ auto debit A/c as mentioned on the application form should be submitted.

4. The bank mentioned in NACH request must participate in local MICR clearing. MICR code starting and/or ending with “000” are not valid for NACH.

5. The AMC, the Registrar and other service providers shall not be responsible and liable for any financial loss that may be incurred by the investor with regard to SIP registration process, including any issue relating to NACH or auto debit registration.

6. Should the investor wish to cancel the SIP registration, the cancellation request shall be submitted 21 working days prior to the next SIP cycle date.

7. Should the investor wish to change the Bank Mandate any time during the currency of SIP, he / she should tick the appropriate box in the Mandate Form, fill in the revised bank details and submit the same to AMC or its Registrar and Transfer Agent. Such revised form must be submitted 30 days prior to the next SIP Cycle date.

Systematic Investment Plan (SIP) : Terms & Conditions

Following fields need to be filled mandatorily.

1. Date: In format DD/MM/YYYY.

2. Select the appropriate checkbox to create, modify or cancel the mandate.

3. Sponsor Bank Code and Utility Code to be left blank.

4. Bank A/c Type: Tick the relevant box.

5. Fill Bank Account Number.

6. Fill name of Destination Bank.

7. IFSC / MICR code: Fill respective code.

8. Mention amount of mandate.

9. Select frequency of mandate.

10. Mention Folio Number.

Instructions to fill in SIP NACH Mandate

8. Existing investors who wish to restart their SIPs, are required to submit NACH form duly signed by the bank account holder(s), indicating the existing Folio No. & investment details in the Form & submit the same along with the copy of a cancelled cheque / photocopy of the cheque, drawn on the same bank account registered in the SIP form.

9. Should an investor opt for a monthly SIP, the minimum number of months for which the investment will have to be made (SIP Period) shall be 12 months and the minimum investment amount (SIP Amount) shall be ` 500/- per month. Should the investor opt for a quarterly SIP, the SIP Period shall be 4 quarters and the SIP Amount shall be ` 1,500/- per quarter. Investors should note that the first SIP cheque and subsequent SIP installments should be of the same amount.

10. The Registrar will reject a Micro SIP application where it is found that the registration of the application will result in the aggregate of Micro SIP installments in a financial year exceeding ` 50,000 or where there is any deficiency in the application form or any supporting document In case the first Micro SIP installment is processed (as the cheque may be banked), and the application / supporting document is found to be defective, the Micro SIP will be ceased for future installments. No refunds shall be made for the units already allotted. Investor, can however, redeem the units if so desired.

11. The investor(s) agrees to discharge the responsibility expected of him/them as a participant/s under NACH and hereby confirm adherence to the terms of the mandate. The investor(s) has/have authorized use of their contact details mentioned on the form/NACH mandate for the purpose of processing the mandate instruction and further authorize the bank(s) to debit the investor’s account for any charges towards mandate verification, registration, transactions, etc. as may be applicable.

12. Where a onetime mandate is already registered in a folio for a bank account, the Unit Holder(s) will have to fill only the SIP Registration Form and there is no need of a separate cheque to be given along with the SIP Registration Form.

11. Mention Scheme Name.

12. Telephone Number.

13. Email ID (Optional).

14. Period: Starting and Ending dates of NACH registration (in format DD/MM/YYYY). For

perpetual SIP, please leave the end date blank and select “until cancelled”.

15. Signature as per bank account.

16. Mention Holder Name as per Bank Record.

17. Auto Debit/NACH Mandate is applicable for both Individual and Non-Individual.

18. Auto Debit/NACH Mandate request is liable to be rejected only if the “Bank” mentioned

in the request form is listed in the NACH banks list.

19. Baroda will initiate debit instructions to the investor bank account only on receipt of

valid investment instruction from the investor.

KFIN INVESTOR SERVICE CENTRES

Agartala: Old RMS Chowmuhani, Mantri Bari Road, 1st Floor, Near Traffic Point, Agartala, Tripura West- 799 001. Tel: 0381-2317519 Email: mfsagartala@kfintech.com • Agra: 1st Floor, Deepak Wasan Plaza, Behind

Holiday Inn, Sanjay Place, Agra 282 002 Mobile : 7518801801 Email: mfsagra@kfintech.com •Ahmedabad: 201/202 Shail Complex, Opp Madhusudan House, B/H Girish Cold Drink, Off C.G. Road, Navrangpura,

Ahmedabad 380 006 Mobile: 9081903021 Email: ahmedabadmfd@kfintech.com •Ajmer: 302, 3rd Floor, Ajmer Auto Building, Opposite City Power House, Jaipur Road, Ajmer 305 001 Tel: 0145-5120725 Email:

mfsajmer@kfintech.com •Akola: Yamuna Tarang Complex, Shop No.30, Ground Floor, N.H. No.06, Murtizapur Road, Opp Radhakrishna Talkies, Akola 444 004. Tel: 0724-2451874 Email: mfsakola@kfintech.com

• Aligarh: 1st Floor, Kumar Plaza, Ramghat Road, Aligarh 202 001 Mobile: 7518801802 Email: mfsaligarh@kfintech.com • Allahabad: Rsa Towers, 2nd Floor, Above Sony TV Showroom, 57, S.P. Marg, Civil Lines,

Allahabad 211 001 Mobile: 7518801803 Email: allahabadmfd@kfintech.com • Alleppy: 1st Floor, JP Towers, Mullackal, KSRTC Bus Stand, Alleppy 688 011 Tel: 0477 2263055 Email: mfsalleppy@kfintech.com • Alwar:

101, Saurabh Tower, Opp. Uit, Near Bhagat Singh Circle, Road No.2, Alwar 301 001 Tel: 0144-2335550 / 0144-2335551 Email: mfsalwar@kfintech.com • Amaravathi: Shop No.21, 2nd Floor, Gulshan Tower, Near

Panchsheel Talkies, Jaistambh Square, Amaravathi 444 601 Tel: 0721 2569198 Email: mfsamaravathi@kfintech.com • Ambala: 6349, Nicholson Road, Adjacent Kos Hospital, Ambala Cantt, Ambala 133 001 Mobile:

7518801804 Email: mfsambala@kfintech.com • Amritsar: 72-A,Taylor's Road, Opp Aga Heritage Club, Amritsar 143 001 Tel: 0183-5053802 Email: mfsamritsar@kfintech.com • Anand: B-42 Vaibhav Commercial

Center, Near TVS Down Town Show Room, Grid Char Rasta, Anand 380 001. Mobile: 9081903038 Email: mfsanand@kfintech.com • Ananthapur: #15/149,1st Floor, S R Towers, Subash Road, Opp. Lalitha Kala

Parishad, Anantapur 515 001 Tel: 08554-244449 Email: mfsananthapur@kfintech.com • Ankleshwar: L/2 Keval Shopping Center, National Highway, Ankleshwar 393 002 Mobile : 9081903037 Email:

mfsankleshwar@kfintech.com • Asansol: 114/71, G.T. Road, Bhanga Panchil, Near Nokia Care, Asansol 713 303 Tel: 0341-2220077 Email: mfsasansol@kfintech.com • Aurangabad: Ramkunj Niwas, Railway

Station Road, Near Osmanpura Circle, Aurangabad 431005 Tel: 0240-2343414 Email: mfsaurangabad@kfintech.com • Azamgarh: 1st Floor, Alkal Building, Opp. Nagaripalika Civil Line, Azamgarh 276 001 Tel: 05462-

247947 / 7518801805 Email: mfsazamgarh@kfintech.com • Balasore: M.S. Das Street, Gopalgaon, Orissa, Balasore 756 001 Tel: 06782-260503 Email: mfsbalasore@kfintech.com • Bangalore: 59, Skanda Puttanna

Road, Basavanagudi, Bangalore 560 004 Tel: 080-26602852 Email: bangaloremfd@kfintech.com • Bankura: Plot Nos. 80/1/A, Natunchati Mahalla, 3rd Floor, Ward No-24, Opposite P.C. Chandra, Bankura Town,

Bankural - 722 101, Tel N.o : 9434480586 Email: mfsbankura@kfintech.com • Bareilly: 1st Floor, Rear Side, A-Square Building, 154-A Civil Lines, Opp. D.M. Residence, Station Road, Bareilly 243 001. Mobile :

7518801806 Email: mfsbareilly@kfintech.com • Barhampore (WB): Thakur Market Complex, Gorabazar, Post Berhampore, Dist Murshidabad, No.72 Nayasarak Road, Barhampore (WB) 742 101 Tel: 0348- 2274494 /

0348-2254745 / 2309237 Email: mfsbarhampore@kfintech.com • Baroda: 203, Corner Point, Jetalpur Road, Baroda 390 007, Gujarat Tel: 0265-2353506/07 Email: barodamfd@kfintech.com • Begusarai: Near Hotel

Diamond, Surbhi Complex, O.C. Township Gate, Kapasiya Chowk, Begusarai 851 117 Tel: 7518801807 Email: mfsbegusarai@kfintech.com • Belgaum: CTS No.3939/A2 A1, Above Raymond's Show Room, Beside

Harsha Appliances, Club Road, Belgaum 590 001 Tel: 0831 2402544 Email: mfsbelgaum@kfintech.com • Bellary: Shree Gayathri Towers, #4, 1st Floor, K.H.B.Colony, Gopalaswamy Mudaliar Road, Gandhi Nagar,

Bellary 583 103 Tel: 08392-254750 Email: mfsbellary@kfintech.com • Berhampur (OR): Divya Nandan Kalyan Mandap, 3rd Lane, Dharam Nagar, Near Lohiya Motor, Berhampur (Or) 760 001 Tel: 0680-2228106

Email: mfsberhampur@kfintech.com • Betul: 107,1st Floor, Hotel Utkarsh, J.H. College Road, Betul 460 001 Tel: 07141-231301 Email: mfsbetul@kfintech.com •Bhagalpur: 2nd Floor, Chandralok Complex,

Ghantaghar, Radha Rani Sinha Road, Bhagalpur 812 001 Tel: 7518801808 Email: mfsbhagalpur@kfintech.com •Bharuch: Shop No.147-148, Aditya Complex, Near Kasak Circle, Bharuch 392 001 Tel: 9081903042

Email: mfsbharuch@kfintech.com •Bhatinda: #2047-A, 2nd Floor, The Mall Road, Above Max New York Life Insurance, Bhatinda 151 001 Tel: 0164- 5006725 Email: mfsbhatinda@kfintech.com •Bhavnagar: 303,

Sterling Point, Waghwadi Road Bhavnagar 364 001 Tel: 278-3003149 Email: mfsbhavnagar@kfintech.com •Bhilai: Shop No.1, First Floor, Plot No.1,Commercial Complex, Nehru Nagar - East, Bhilai 490 020 Tel: 0788-

2289499 / 2295332 Email: mfsbhilai@kfintech.com •Bhilwara: Shop No. 27-28, 1st Floor, Heera Panna Market, Pur Road, Bhilwara 311 001 Tel: 01482-246362 / 246364 Email: mfsbhilwara@kfintech.com •Bhopal:

Kay Kay Business Centre,133, Zone I, MP Nagar, Above City Bank, Bhopal 462 011 Tel: 0755-4092712 / 0755-4092715 Email: bhopalmfs@kfintech.com •Bhubaneswar: A/181, Behind Shivam Honda Show Room,

Saheed Nagar, Bhubaneswar 751 007 Tel: 0674-2548981 / 0674-2360334 Email: bhubaneswarmfd@kfintech.com •Bikaner: 70-71, 2nd Floor, Dr. Chahar Building, Panchsati Circle, Sadul Ganj, Bikaner 334 003 Tel:

0151-2200014 Email: mfsbikaner@kfintech.com •Bilaspur: Shop Nos.225, 226 & 227, 2nd Floor, Narayan Plaza, Link Road, Bilaspur 495 001 Tel: 07752-470070 Email: mfsbilaspur@kfintech.com •Bokaro: B-1, 1st

Floor, City Centre, Sector - 4, Near Sona Chandi Jewellers, Bokaro 827 004 Tel: 7542979444 / 06542-335616 Email: mfsbokaro@kfintech.com •Burdwan: Anima Bhavan, 1st Floor, Holding No. -42, Sreepally, G.T.

Road Burdwan-713 103. Tel No. : 0342-2665140 / 0342- 2550840 Email: mfsburdwan@kfintech.com • Calicut: First Floor, Savithri Building Opposite Fathima Hospital Bank Road Calicut - 673001 Tel: 0495-4022480

Email: mfscalicut@kfintech.com • Chandigarh: SCO - 2423-2424, Above Mirchi Restaurant, New Aroma Hotel, First Floor, Sector 22-C, Chandigarh 160 022 Tel: 0172-5101342 Email: chandigarhmfd@kfintech.com

• Chandrapur: Shop No.6, Office No.2, 1st Floor, Rauts Raghuvanshi Complex, Beside Azad Garden, Main Road, Chandrapur 442 402 Tel: 07172-270262 / 07172-277584 Email: mfschandrapur@kfintech.com

• Chennai: F-11, Akshaya Plaza, 1st Floor,108 Adhithanar Salai, Egmore, Opp Chief Metropolitan Court, Chennai 600 002 Tel: 044-42028512 / 044-42028513 / 044-42028858 / Fax: 044-42028514 Email:

chennaimfd@kfintech.com •Chinsura: J.C. Ghosh Saranu, Bhanga Gara, Chinsurah, Hooghly, Chinsurah 712 101 Tel: 033-26810164 Email: mfschinsura@kfintech.com • Cochin: Ali Arcade, 1st Floor, Kizhavana

Road, Panampilly Nagar, Near Atlantis Junction, Ernakulam 682 036 Tel: 0484 - 4025059 Email: cochinmfd@kfintech.com • Coimbatore: 3rd Floor, Jaya Enclave, 1057 Avinashi Road, Coimbatore 641 018 Tel: 0422 –

4388011/12/13/14 / 0422 - 4388451 Email: mfscoimbatore@kfintech.com • Cuttack: Opp Dargha Bazar Police Station, Dargha Bazar, PO - Buxi Bazar, Cuttack 753 001 Tel: 0671-220 30 77 Email:

mfscuttack@kfintech.com • Darbhanga: Jaya Complex, 2nd Floor, Above Furniture Planet, Donar Chowk, Darbhanga 846 003 Tel: 7518801809 Email: mfsdarbhanga@kfintech.com • Davangere: D. No. 376/2, 4th

Main, 8th Cross, P.J. Extension, Opp Byadgishettar School, Davangere 577 002 Tel: 0819-2258714 Email: mfsdavangere@kfintech.com • Dehradun: Kaulagarh Road, Near Sirmaur Marg, Above Reliance Webworld,

Dehradun 248 001 Tel: 7518801810 Email: dehradunmfd@kfintech.com • Deoria: 1st Floor, Shanti Niketan, Opp. Zila Panchayat, Civil Lines, Deoria 274 001 Tel: 7518801811 Email: mfsdeoria@kfintech.com • Dewas:

27 RMO House, Station Road, Above Maa Chamunda Gas Agency, Dewas 455 001 Tel: 07272-426010 Email: mfsdewas@kfintech.com • Dhanbad: 208 New Market, 2nd Floor, Bank More, Dhanbad 826 001 Tel:

9264445981 Email: mfsdhanbad@kfintech.com • Dharwad: 307/9-A 1st Floor, Nagarkar Colony, Elite Business Center, P B Road, Dharwad 580 001 Tel: 0836- 2744207 Email: mfsdharwad@kfintech.com • Dhule:

Ground Floor, Ideal Laundry, Lane No.4, Khol Galli, Near Muthoot Finance, Opp Bhavasar General Store, Dhule 424 001 Tel: 02562-282823 Email: mfsdhule@kfintech.com • Dindigul: No.9 Old, No:4/B New ndAgraharam, Palani Road, Dindigul 624 001 Tel: 0451- 2436177 Email: mfsdindigul@kfintech.com • Durgapur: MWAV-16 Bengal Ambuja, 2 Floor, City Centre, Dist Burdwan, Durgapur 713 216 Tel: 0343-6512111

Email: mfsdurgapur@kfintech.com • Eluru: DNO-23A-7-72/73, KKS Plaza, Munukutla Vari Street, Opp Andhra Hospitals, RR Peta, Eluru 534 002 Tel: 08812-227851 / 52 / 53 / 54 / 9959152347 Email:

mfseluru@kfintech.com • Erode: No: 4, Veerappan Traders Complex, KMY Salai, Sathy Road, Opp. Erode Bus Stand, Erode 638 003 Tel: 0424-4021212 Email: mfserode@kfintech.com • Faridabad: A-2B, 3rd Floor,

Neelam Bata Road, Peer Ki Mazar, Nehru Groundnit, Faridabad 121 001 Tel: 7518801812 Email: mfsfaridabad@kfintech.com • Ferozpur: The Mall Road, Chawla Building, Ist Floor, Opp. Central Jail, Near Hanuman

Mandir, Ferozepur 152 002 Tel: 01632-241814 Email: mfsferozpur@kfintech.com • Gandhidham: Shop # 12, Shree Ambica Arcade, Plot # 300, Ward 12. Opp. CG High School, Near HDFC Bank, Gandhidham 370 201

Tel: 9081903027 Email: mfsgandhidham@kfintech.com • Gandhinagar: 123, First Floor, Megh Malhar Complex, Opp. Vijay Petrol Pump, Sector - 11, Gandhinagar 382 011 Tel: 079 23244955 Email:

mfsgandhinagar@kfintech.com • Gaya: 54 Lal Kothi Compound, Shree Krishna Road, 2nd Floor, North Side, Near Royal Surya Hotel, Gaya 823 001 Tel: 0631-2220065 Email: mfsgaya@kfintech.com • Ghaziabad:

1st Floor, C-7, Lohia Nagar, Ghaziabad 201 001 Tel: 7518801813 Email: mfsghaziabad@kfintech.com • Ghazipur: 2nd Floor, Shubhra Hotel Complex, Mahaubagh, Ghazipur 233 001 Tel: 7518801814 Email:

mfsghazipur@kfintech.com • Gonda: Shri Market, Sahabgunj, Station Road, Gonda 271 001 Tel: 7518801815 / 9453961547 Email: mfsgonda@kfintech.com • Gorakhpur: Above V.I.P. House Adjacent, A.D. Girls

College, Bank Road, Gorakpur, 273001 Tel: 7518801816 / 8081127735 Email: mfsgorakhpur@kfintech.com • Gulbarga: CTS No.2913, 1st Floor, Asian Towers, Jagath Station Main Road, Next To Adithya Hotel,

Gulbarga 585 105 Tel: 8088934338 Email: mfsgulbarga@kfintech.com • Guntur: D.No.6-10-27, Srinilayam, Arundelpet,10/1, Guntur 522 002 Tel: 0863-2339094 Email: mfsguntur@kfintech.com • Gurgaon: Shop

No.18, Ground Floor, Sector - 14, Opp. AKD Tower, Near Huda Office, Gurgaon 122 001 Tel: 7518801817 Email: mfsgurgaon@kfintech.com • Guwahati: 1st Floor, Bajrangbali Building, Near Bora Service Station, GS

Road, Guwahati 781 007 Tel: 8811036746 / 0361-2203324 Email: mfsguwahati@kfintech.com • Gwalior: 2nd Floor, Rajeev Plaza, Jayendra Ganj, Lashkar, Gwalior 474 009 Tel: 7518801818.

Email: mfsgwalior@kfintech.com • Haldwani: Above Kapilaz, Sweet House, Opp LIC Building, Pilikothi, Kaladhungi Road, Haldwani 263 139 Tel: 7518801819 Email: mfshaldwani@kfintech.com • Haridwar: 7,

Govindpuri, Opposite 1-India Mart, Above Raj Electricals, Ranipur More, Haridwar - 249 401, Tel: 7518801820 Email: mfsharidwar@kfintech.com • Hassan: SAS No-212, Ground Floor, Sampige Road, 1st Cross, Near

Hotel Souther Star, K.R. Puram, Hassan 573 201 Tel: 08172 262065 Email: mfshassan@kfintech.com • Hissar: SCO 71, 1st Floor, Red Square Market, Hissar 125 001 Tel: 7518801821Email: mfshissar@kfintech.com

• Hoshiarpur: 1st Floor, The Mall Tower, Opp Kapila Hospital, Sutheri Road, Hoshiarpur 146 001 Tel: 01882-500143 Email: mfshoshiarpur@kfintech.com • Hubli: CTC No.483/A1/A2, Ground Floor, Shri Ram Plaza,

Behind Kotak Mahindra Bank, Club Road, Hubli 580 029 Tel: 0836-2252444 Email: mfshubli@kfintech.com • Hyderabad: Karvy House, No:46, 8-2-609/K, Avenue 4, Street No. 1,Banjara Hills, Hyderabad 500 034 Tel:

040-44857874 / 75 / 76 Email: mfshyderabad@kfintech.com • Indore: 2nd floor, 203-205 Balaji Corporate House, Above ICICI Bank, 19/1 New Palasia, Near Curewell Hospital, Janjeerwala Square, Indore 452 001 Tel:

0731-4266828/4218902 Email: mfsindore@kfintech.com •Jabalpur: 3rd Floor, R.R. Tower 5, Lajpatkunj, Near Tayabali Petrol Pump, Jabalpur 482 001. Tel: 0761- 4923301. Email: mfsjabalpur@kfintech.com • Jaipur:

S16/A IIIrd Floor, Land Mark Building, Opp Jai Club, Mahaver Marg, C Scheme, Jaipur 302 001 Tel: 01414167715/17 Email: jaipurmfd@kfintech.com •Jalandhar: 1st Floor, Shanti Towers, SCO No.37, Puda Complex,

Opposite Tehsil Complex, Jalandhar 144 001 Tel: 0181-5094410 Email: mfsjalandhar@kfintech.com • Jalgaon: 269, Jaee Vishwa, 1st Floor, Baliram Peth, Above United Bank of India, Near Kishor Agencies, Jalgaon

425 001 Tel: 9421521406 Email: mfsjalgaon@kfintech.com • Jalpaiguri: D B C Road, Opp Nirala Hotel, Jalpaiguri 735 101 Tel: 03561-222136 Email: mfsjalpaiguri@kfintech.com • Jammu: Gupta's Tower, 2nd Floor,

CB-12, Rail Head Complex, Jammu 180 012 Tel: 0191-2458820 / 2458818 Email: mfsjammu@kfintech.com •Jamnagar: 136-137-138 Madhav Plaza, Opp SBI Bank, Near Lal Bunglow, Jamnagar 361 001 Tel: 0288 nd3065810 / 2558887 Email: mfsjamnagar@kfintech.com •Jamshedpur: 2 Floor, R. R. Square, SB Shop Area, Near Reliance Footprint & Hotel, BS Park Plaza, Main Road, Bistupur, Jamshedpur 831 001 Tel: 0657-

6655003 / 6655004 / 6655005 / 6655006 / 6655007 Email: jamshedpurmfd@kfintech.com • Jaunpur: R. N. Complex, 1-1-9-G, Opp Pathak Honda, Ummarpur, Jaunpur 222 002 Tel: 7518801822 Email:

mfsjaunpur@kfintech.com • Jhansi: 371/01, Narayan Plaza, Gwalior Road, Near Jeevan Shah Chauraha, Jhansi 284 001 Tel: 7518801823 Email: mfsjhansi@kfintech.com •Jodhpur: 203, Modi Arcade, Chopasni

Road, Jodhpur 342 001 Tel: 7737014590 Email: mfsjodhpur@kfintech.com • Junagadh: 124-125 Punit Shopping Center, M. G. Road, Ranavav Chowk, Junagadh 362 001 Tel: 0285-2652220 Email: ndmfsjunagadh@kfintech.com • Kannur: 2 Floor, Prabhath Complex, Fort Road, Near ICICI Bank, Kannur 670 001 Tel: 0497-2764190 Email: mfskannur@kfintech.com • Kanpur: 15/46, B, Ground Floor, Opp Muir

Mills, Civil Lines, Kanpur 208 001 Tel: 7518801824 Email: kanpurmfd@kfintech.com • Karaikudi: No. 2, Gopi Arcade,100 Feet Road, Karaikudi 630 001 Tel: 04565-237192 Email: mfskaraikudi@kfintech.com nd• Karimnagar: Door No:2-10-1298, 2 Floor, Rathnam Arcade, Jyothi Nagar, Karimnagar 505 001 Tel: 0878-2244773 Email: mfskarimnagar@kfintech.com • Karnal: 18/369, Char Chaman, Kunjpura Road, Behind

Miglani Hospital, Karnal 132 001 Tel: 0184-2252524 Email: mfskarnal@kfintech.com • Karur: No 108, Arulsivam Complex, Thiru Vi Ka Road, Karur- 639 001. Tel: 04324-241755 Email: mfskarur@kfintech.com nd• Kharagpur: Malancha Road, Beside Axis Bank Ltd, Kharagpur 721304 Tel: 03222-253380 Email: mfskharagpur@kfintech.com • Kolhapur: 605/1/4 E Ward, Shahupuri, 2 Lane, Laxmi Niwas, Near Sultane

Chambers, Kolhapur 416 001 Tel: 0231 2653656 Email: mfskolhapur@kfintech.com • Kolkata: Apeejay House (Beside Park Hotel), C Block, 3rd Floor,15 Park Street, Kolkata 700 016 Tel: 033 66285900 Email:

mfskolkata@kfintech.com • Kollam: Sree Vigneswara Bhavan, Shastri Junction, Kadapakada, Kollam 691 001 Tel: 0474-2747055 Email: mfskollam@kfintech.com • Korba: 1st Floor, City Centre, 97 IRCC, Transport

Nagar, Korba 495 677 Tel: 7518801826 Email: mfskorba@kfintech.com • Kota: Plot No.259, Ist Floor, Near Lala Lajpat Rai Circle, Shopping Centre, Kota 324 007 Tel: 0744-5100964 Email: mfskota@kfintech.com

KFIN INVESTOR SERVICE CENTRES (Contd.,)

• Kottayam: 1st Floor, Csiascension Square, Railway Station Road, Collectorate PO, Kottayam 686 002 Tel: 0481-2300868 / 2302420 Email: mfskottayam@kfintech.com • Kurnool: Shop No.43, 1st Floor, S V

Complex, Railway Station Road, Near SBI Main Branch, Kurnool 518 004 Tel: 08518-228550 Email: mfskurnool@kfintech.com • Lucknow: Ist Floor, A. A. Complex, 5 Park Road, Hazratganj, Thaper House, Lucknow

226 001. Tel: 7518801830 / 0522-2236819 / 3213115 Email: lucknowmfd@kfintech.com • Ludhiana: Sco - 136, 1st Floor, Above Airtel Showroom, Feroze Gandhi Market, Ludhiana 141 001 Tel: 0161-4648747 Email:

mfsludhiana@kfintech.com •Madurai: Rakesh Towers, 30-C, Ist Floor, Bye Pass Road, Opp Nagappa Motors, Madurai 625 010 Tel: 0452-2605856 Email: mfsmadurai@kfintech.com • Malappuram: First Floor,

Peekays Arcade, Down Hill, Malappuram 676 505 Tel: 0483-2731480 Email: mfsmalappuram@kfintech.com • Malda: Sahis Tuli, Under Ward No.6, No.1 Govt Colony, English Bazar Municipality, Malda 732 101 Tel:

03512-223763 Email: mfsmalda@kfintech.com • Mandi: 149/11, School Bazaar, Near UCO Bank, Opp. Hari Mandir, Mandi - 175 001 Tel: 7518801833 Email: mfsmandi@kfintech.com • Mangalore: Mahendra Arcade,

Opp Court Road, Karangal Padi, Mangalore 575 003 Tel: 0824-2496289 Email: mangaloremfd@kfintech.com • Margao: 2nd Floor, Dalal Commercial Complex, Pajifond, Margao - 403 601 Tel: 0832-2731823 Email:

mfsmargoa@kfintech.com • Mathura: Ambey Crown, 2nd Floor, Opp BSA College, Gaushala Road, Mathura 281 001 Tel: 7518801834 Email: mfsmathura@kfintech.com • Meerut: 1st Floor, Medi Centre, Opp ICICI

Bank, Hapur Road, Near Bachha Park, Meerut 250 002 Tel: 7518801835 Email: mfsmeerut@kfintech.com •Mehsana: F-21 Someshwar Shopping Mall, Modhera Char Rasta, Mehsana - 384 002 Tel: 02762-242950

Email: mfsmehsana@kfintech.com •Mirzapur: Abhay Mandir, Above HDFC Bank, Dankin Gunj, Mirzapur 231 001 Tel: 7518801836 Email: mfsmirzapur@kfintech.com •Moga: 1st Floor, Dutt Road, Mandir Wali Gali,

Civil Lines, Barat Ghar, Moga 142 001 Tel: 01636 - 230792 Email: mfsmoga@kfintech.com •Moradabad: Om Arcade, Parker Road, Above Syndicate Bank, Chowk Tari Khana, Moradabad 244 001 Tel: 7518801837

Email: mfsmoradabad@kfintech.com •Morena: Moti Palace, Near Ramjanki Mandir, Morena 476 001 Tel: 7518801838 Email: mfsmorena@kfintech.com •Mumbai: 24/B, Raja Bahadur Compound, Ambalal Doshi

Marg, Behind BSE Bldg., Fort, Mumbai 400 001 Tel: 022-66235353 Email: mumbaimfd@kfintech.com • Muzaffarpur: First Floor, Shukla Complex, Near ICICI Bank, Civil Court Branch, Company Bagh, Muzaffarpur 842

001 Tel: 7518801839 Email: mfsmuzaffarpur@kfintech.com •Mysore: L-350, Silver Tower, Ashoka Road, Opp. Clock Tower, Mysore 570 001 Tel: 0821-2438006 Email: mfsmysore@kfintech.com •Nadiad: 104/105,

Near Paras Cinema, City Point Nadiad, Nadiad 387 001 Tel: 0268-2563245 Email: mfsnadiad@kfintech.com •Nagerkoil: H.No.45, 1st Floor, East Car Street, Nagercoil, 629001 Tel: 04652 - 233552 Email:

mfsnagarkoil@kfintech.com •Nagpur: Plot No.2/1, House No.102/1, Mata Mandir Road, Mangaldeep Apartment, Opp Khandelwal Jewelers, Dharampeth, Nagpur 440 010 Tel: 0712-2533040 Email:

nagpurmfd@kfintech.com • Namakkal : No 352/144, Trichy Mani Road, Namakkal - 637 001. Tel: 04286-234801 Email: mfsnamakkal@kfintech.com •Nanded: Shop No.4, Santakripa Market, G.G. Road, Opp. Bank of

India, Nanded 431 601 Tel: 02462-237885 Email: mfsnanded@kfintech.com •Nasik: S-9, Second Floor, Suyojit Sankul, Sharanpur Road, Nasik 422 002 Tel: 0253-6608999 / 0755-3010732 Email: stnasikmfs@kfintech.com •Navsari: 103, 1 Floor, Landmark Mall, Near Sayaji Library, Navsari 396 445 Tel: 9081903040 Email: mfsnavsari@kfintech.com •Nellore: 16-2-158, 3rd Floor, Mogarala Complex, Sunday

Market Lane, Pogathota, Nellore 524 001. Tel: 0861 2349940 Email: mfsnellore@kfintech.com •New Delhi: 305 New Delhi House, 27 Barakhamba Road, New Delhi 110 001 Tel: 011- 43681700 Email:

delhimfd@kfintech.com Fax: 011-43681710 •Nizamabad: H No:5-6-430, Above Bank of Baroda, First Floor, Beside HDFC Bank, Hyderabad Road, Nizamabad 503 003 Tel: 08462-224366 Email:

mfsnizamabad@kfintech.com •Noida: 405, 4th Floor, Vishal Chamber, Plot No.1, Sector-18, Noida 201 301 Tel: 7518801840 Email: mfsnoida@kfintech.com •Palghat: No: 20 & 21, Metro Complex, H.P.O. Road,

Palakkad 678 001 Tel: 9895968533 / 0491 - 2547373 Email: mfspalghat@kfintech.com •Panipat: Java Complex, 1st Floor, Above Vijaya Bank, G.T. Road, Panipat 132 103 Tel: 7518801841 / 0180-3095517 Email:

mfspanipat@kfintech.com •Panjim: Flat No.1-A, H.No.13/70,Timotio Bldg, Heliodoro Salgado Road, Next to Navhind Bhavan, (Market Area), Panjim 403 001 Tel: 0832-2426873 / 2426874 Email:

panjimmfd@kfintech.com •Pathankot: 2nd Floor, Sahni Arcade Complex, Adj. Indra Colony Gate, Railway Road, Pathankot, Pathankot 145 001 Tel: 0186-5080188 Email: mfspathankot@kfintech.com •Patiala: Sco

27 D, Chotti Baradari, Near Car Bazaar, Patiala 147 001 Tel: 0175-5004349 Email: mfspatiala@kfintech.com •Patna: 3A, 3rd Floor, Anand Tower, Exhibition Road, Opp ICICI Bank, Patna 800 001 Tel: 0612-4323066

Email: mfspatna@kfintech.com •Pollachi: 146/4, Ramanathan Building, 1st Floor, New Scheme Road, Pollachi 642 002 Tel: 04259-235111 / 235122 / 235133 Email: mfspollachi@kfintech.com • Pondicherry:

Building No:7, 1st Floor, Thiayagaraja Street, Pondicherry 605 001 Tel: 0413 2220640 Email: mfspondy@kfintech.com • Proddatur: D.No: 4/625, Bhairavi Complex, Above Karur Vysya Bank, Gandhi Road, Proddatur -

516 360, Andhra Pradesh Tel: 08564 - 242898 Email: mfsproddatur@kfintech.com • Pudukottai: Sundaram Masilamani Towers, TS No.5476 - 5479, PM Road, Old Tirumayam Salai, Near Anna Statue, Jublie Arts,

Pudukottai 622 001 Tel: 04322 - 220050 Email: mfspudukottai@kfintech.com • Pune: Mozaic Bldg, CTS No.1216/1, Final, Plot No.576/1 TP, Scheme No.1, F.C. Road, Bhamburda, Shivaji Nagar, Pune 411 004 Tel: 020-

66496700 / 66496701 Email: punemfd@kfintech.com • Raipur: Office No S-13, Second Floor, Raheja Tower, Fafadih Chowk, Jail Road, Raipur (C.G.) – 492 001. Tel: 0771-4912611 Email: mfsraipur@kfintech.com

• Rajahmundry: D.No.6-1-4, Rangachary Street, T. Nagar, Near Axis Bank Street, Rajahmundry 533 101 Tel: 0883-2434468/70 Email: mfsrajahmundry@kfintech.com • Rajapalayam: Sri Ganapathy Complex,

14B/5/18, T P Mills Road, Virudhungar Dist, Rajapalayam 626 117 Tel: 04563 - 232952 Email: mfsrajapalayam@kfintech.com • Rajkot: 302, Metro Plaza, Near Moti Tanki Chowk, Rajkot, Gujarat, 360 001 Tel: rd9081903025 Email: rajkotmfd@kfintech.com • Ranchi: Room No.307, 3 Floor, Commerce Tower, Beside Mahabir Tower, Ranchi 834 001 Tel: 0651-2331320 Email: mfsranchi@kfintech.com 156 • Ratlam: 1 Nagpal

Bhawan, Free Ganj Road, Do Batti, Near Nokia Care, Ratlam 457001, mfsratlam@kfintech.com , 07412-320398, 07412-402009 •Renukoot: Radhika Bhavan. Opp. Padmini Hotel, Murdhwa, Renukoot 231 217. Tel:

7518801842 Email: mfsrenukoot@kfintech.com • Rewa: Ist Floor, Angoori Building, Besides Allahabad Bank, Trans University Road, Civil Lines, Rewa 485 001 Tel: 7518801843 Email: mfsrewa@kfintech.com

• Rohtak: 1st Floor, Ashoka Plaza, Delhi Road, Rohtak 124 001 Tel: 7518801844 Email: mfsrohtak@kfintech.com • Roorkee: Shree Ashadeep Complex, 16, Civil Lines, Near Income Tax Office, Roorkee 247 667 Tel:

7518801845 Email: mfsroorkee@kfintech.com • Rourkela: 1st Floor Sandhu Complex, Kachery Road, Uditnagar, Rourekla 769 012 Tel: 0661-2500005 Email: mfsrourkela@kfintech.com • Sagar: II Floor, Above

Shiva Kanch Mandir, 5 Civil Lines, Sagar 470 002 Tel: 07582-402404 Email: mfssagar@kfintech.com • Saharanpur: 18 Mission Market, Court Road, Saharanpur 247 001 Tel: 7518801846 Email:

mfssaharanpur@kfintech.com • Salem: No.3/250, Brindavan Road, 6th Cross, Behind Perumal Kovil, Fairland's, Salem 636 016 Tel: 0427-4020300 Email: mfssalem@kfintech.com • Sambalpur: Koshal Builder

Complex, Near Goal Bazaar Petrol Pump, Sambalpur 768 001 Tel: 0663-2533437 Email: mfssambalpur@kfintech.com • Satna: 1st Floor, Gopal Complex, Near Bus Stand, Rewa Road, Satna 485 001 Tel: 7518801847

Email: mfssatna@kfintech.com • Shaktinagar: 1st/A-375, V.V. Colony, Dist Sonebhadra, Shaktinagar 231 222 Tel: 7518801848 Email: mfsshaktinagar@kfintech.com • Shillong: Annex Mani Bhawan, Lower Thana

Road, Near R K M LP School, Shillong 793 001 Tel: 0364 - 2506106 Email: mfsshillong@kfintech.com • Shimla: Triveni Building, By Pass Chowk, Khallini, Shimla 171 002 Tel: 7518801849 Email:

mfsshimla@kfintech.com • Shimoga: Sri Matra Naika Complex,1st Floor, Above Shimoga Diagnostic Centre, Llr Road, Durgigudi, Shimoga 577 201 Tel: 08182-228799 Email: mfsshimoga@kfintech.com • Shivpuri:

1st Floor, M.P.R.P. Building, Near Bank of India, Shivpuri 473 551 Tel: 7518801850 Email: mfsshivpuri@kfintech.com •Sikar: First Floor, Super Tower, Behind Ram Mandir, Near Taparya Bagichi, Sikar 332 001 Tel:

01572-250398 Email: mfssikar@kfintech.com • Silchar: N.N. Dutta Road, Chowchakra Complex, Premtala, Silchar 788 001 Tel: 3842261714 Email: mfssilchar@kfintech.com •Siliguri: Nanak Complex, Sevoke

Road, Siliguri 734 001 Tel: 0353-2522579 Email: mfssiliguri@kfintech.com • Sitapur: 12/12-A Sura Complex, Opp Arya Nagar, Mal Godam, Sitapur 261 001 Tel: 7518801851 Email: mfssitapur@kfintech.com

• Sivakasi: 363, Thiruthangal Road, Opp TNEB, Sivakasi 626 123 Tel: 04562 228816 Email: mfssivakasi@kfintech.com • Solan: Sahni Bhawan, Adjacent Anand Cinema Complex, The Mall, Solan 173 212 Tel:

7518801852 Email: mfssolan@kfintech.com • Solapur: Block No.06, Vaman Nagar, Opp D-Mart, Jule Solapur, Solapur 413 004 Tel: 0217-2300021 / 2300318 Email: mfssolapur@kfintech.com •Sonepat: 205 R Model

Town, Above Central Bank of India, Sonepat 131 001 Tel: 7518801853 Email: mfssonepat@kfintech.com • Sri Ganganagar: 35E Block, Opp: Sheetla Mata Vaateka, Sri Ganganagar 335 001 Tel: 0154-2470177 Email:

mfssriganganagar@kfintech.com •Srikakulam: D.No. 4-4-97, First Floor, Behind Sri Vijayaganpathi Temple, Pedda Relli Veedhi, Palakonda Road, Srikakulam 532 001. Tel: 8942229925 / 9248009412 Email:

mfssrikakulam@kfintech.com • Sultanpur: 1077/3, Civil Lines, Opp Bus Stand, Civil Lines, Sultanpur 228 001 Tel: 7518801854 Email: mfssultanpur@kfintech.com • Surat: Office No: 516, 5th Floor, Empire State

Building, Near Udhna Darwaja, Ring Road, Surat 395 002 Tel: 9081903041 / 9081903035 Email: suratmf@kfintech.com •Thanjavur: No.70, Nalliah Complex, Srinivasam Pillai Road, Tanjore 613 001 Tel: 04362-

275415 Email: mfsthanjavur@kfintech.com •Thodupuzha: First Floor, Pulimoottil Pioneer, Pala Road, Thodupuzha 685 584 Tel: 04862-211209 Email: mfsthodupuzha@kfintech.com • Tirunelveli: 55/18, Jeney

Building, S N Road, Near Aravind Eye Hospital, Tirunelveli 627 001 Tel: 0462 2335137 Email: mfstirunelveli@kfintech.com • Tirupathi: H.No:10-13-425, 1st Floor, Tilak Road, Opp: Sridevi Complex, Tirupathi 517 501

Tel: 9885995544 / 0877-2255797 Email: mfstirupathi@kfintech.com • Tirupur: First Floor, 244 A, Above Selvakumar Dept Stores, Palladam Road, Opp Cotton Market Complex, Tirupur 641 604 Tel: 0421-2214221 / nd0421-2214319 Email: mfstirupur@kfintech.com •Tiruvalla: 2 Floor, Erinjery Complex, Ramanchira, Opp Axis Bank, Thiruvalla 689 107 Tel: 0469-2603303 Email: mfstiruvalla@kfintech.com •Trichur: 2nd Floor,

Brothers Complex, Naikkanal Junction, Shornur Road, Near Dhanalakshmi Bank H O,Thrissur - 680 001 Mobile : 9074053268, Email: mfstrichur@kfintech.com • Trichy: 60, Sri Krishna Arcade, Thennur High Road,

Trichy 620 017 Tel: 0431-4020227 Email: mfstrichy@kfintech.com • Trivandrum: 2nd Floor, Akshaya Tower, Sasthamangalam, Trivandrum 695 010 Tel: 0471 - 2725728 Email: mfstrivandrum@kfintech.com

•Tuticorin: 4 - B, A34 - A37, Mangalmal Mani Nagar, Opp. Rajaji Park, Palayamkottai Road, Tuticorin 628 003 Tel: 0461-2334603 Email: mfstuticorin@kfintech.com • Udaipur: 201-202, Madhav Chambers, Opp GPO,

Chetak Circle, Udaipur 313 001 Tel: 0294 2429370 Email: mfsudaipur@kfintech.com • Ujjain: 101 Aashta Tower, 13/1 Dhanwantri Marg, Freeganj, Ujjain 456 010 Tel: 0734-4250007 / 4250007 Email:

mfsujjain@kfintech.com • Valsad: Shop No. 2, Phiroza Corner, Opp Next Show Room, Tithal Road, Valsad 396 001 Tel: 02632-258481 Email: mfsvalsad@kfintech.com • Vapi:

•Varanasi: D-64/132 1st Floor, Anant Complex, Sigra, Varanasi 221 010 Tel: 7518801855 Email:

varanasimfd@kfintech.com • Vellore: No.6, Nexus Towers, 2nd Floor, Officer's Line, Above Peter England & Bata Showroom, Opp. Voorhees School, Vellore 632 001. Tel: 0416 2215007 Email: mfsvellore@kfintech.com

• Vijayanagaram: Soubhagya, 19-6-1/3, 2nd Floor, Near Fort Branch, Opp Three Temples, Vijayanagaram 535 002. Tel: 08922-236965 Email: mfsvijayanagaram@kfintech.com • Vijayawada: 39-10-7, Opp Municipal

Water Tank, Labbipet, Vijayawada 520 010 Tel: 0866-6604032 / 39 / 40 Email: vijayawadamfd@kfintech.com • Visakhapatnam: Door No: 48-8-7, Dwaraka Diamond, Ground Floor, Srinagar, Visakhapatnam 530 016

Tel: 0891-2714125 Email: vizagmfd@kfintech.com • Warangal: H.No. 1-8-533, Beside: Suprabha Hotel, Nakkalagutta, Ward No. 1, Hanamkonda, Warnagal - 506 001. Tel: 0870-2441513 Email:

mfswarangal@kfintech.com • Yamuna Nagar: Jagdhari Road, Above UCO Bank, Near D.A.V. Girls College, Yamuna Nagar 135 001 Tel: 7518801857 Email: mfsyamunanagar@kfintech.com .

A-8, First Floor, Solitaire Business Centre,

Opp. DCB Bank, GIDC Char Rasta, Silvassa Road, Vapi - 396 191. Tel: 9081903028 Email: mfsvapi@kfintech.com

KFIN COLLECTION CENTREAndheri : KFin Technologies Private Limited - 6 & 7, Andheri Industrial Estate, Veera Desai Road, Andheri (West), Mumbai - 400 053. Tel. No. : 2673 0799.

Borivali : KFin Technologies Private Limited - Gomati Smruti, Ground Floor, Jambli Gully, Near Railway Station, Borivali (West), Mumbai - 400 092. Tel. No. : 2891 6319.

Chembur : KFin Technologies Private Limited - Room No. 14, 1 st Floor, Shram Safalya Bldg., N. G. Acharya Marg, Chembur, Mumbai - 400 071. Tel. No. : 2521 5536.

Thane : KFin Technologies Private Limited - Flat No. 302, 3rd Floor, Ganga Prasad Building, Near RBL Bank, Ram Maruti Cross Road, Naupada, Thane West - 400 602. Tel. No. : 2530 3013.

Vashi : KFin Technologies Private Limited - C Wing, Shop No. 324, 1st Floor Vashi Plaza, Sector 17, Vashi, Navi Mumbai- 400 703. Tel No. : 2780 2684.

Contact Points :

Toll Free Number : 1-800-267 0189 l Email: info@barodamf.com l Website: www.barodamf.com

Registered Office :

Baroda Asset Management India Limited(Formerly known as Baroda Pioneer Asset Management Company Limited)CIN: U65991MH1992PLC069414501 Titanium, 5th Floor, Western Express Highway, Goregaon (E), Mumbai - 400 063.Phone: +91 22 6848 1000 / 4219 7999. Fax: +91 22 6848 1001.

Branch Offices :

Flat No. 103 & 104, First Floor, Prakash Deep Building, 7 Tolstoy Marg, New Delhi - 110 001.Phone: +91 011- 43514662, Fax: +91 11 4592117.

HP Complex, Flat No. 12, 3rd Floor, Door No. 124/1, 2 & 3 New No. 14, G. N. Chetty Road, T. Nagar, Chennai - 600 017. Phone: +91 044- 2834 3530, Fax: +91 044 - 2834 3539

G -101, Ground Floor, SKI High Building 11/05 , Park Road, Hazratganj Lucknow-226 001.

Baroda Asset Management India Limited(Formerly known as Baroda Pioneer Asset Management Company Limited)

Baroda Asset Management India Limited(Formerly known as Baroda Pioneer Asset Management Company Limited)

Baroda Asset Management India Limited*(Formerly known as Baroda Pioneer Asset Management Company Limited)

Phone: +91 0522- 43514564.

Baroda Asset Management India Limited*(Formerly known as Baroda Pioneer Asset Management Company Limited)Raheja Arcade, No. 1/1, Commercial Permises No. 246, 2 nd Floor, Koramangala Industrial layout, Hosur Road, Bangalore - 560 095.Phone: +91 9884078407

* Currently not an Investor Service Centre.

BARODA MUTUAL FUND - CENTRES

*The Bank of Baroda logo belongs to Bank of Baroda and is used under license.

Sponsor: Bank of Baroda

Regd. Office: Baroda House, P. B. No. 506, Mandvi, Baroda - 390006.

Regd. Office: 501, Titanium, 5th Floor, Western Express Highway, Goregaon (East), Mumbai - 400 063.

Baroda Trustee India Private Limited(Formerly known as Baroda Pioneer Trustee Company Private Limited)

CIN : U74120MH2011PTC225365

Trustee

Key Information Memorandum cum Application FormThis product is suitable for investors who are seeking*Ongoing offer & issue of units at Applicable NAV

Baroda Short Term Bond Fund(An open-ended short term debt scheme investing in instruments such that the Macaulay duration of the portfolio is between 1 year and 3 years) (please refer page no.6)

• Regular Income over short term.

• Investment predominantly in Money Market

Instruments (i.e. CP/CD) and Short Term Debt

Market Instruments.

Riskometer

Investors understand that their principal will be at Moderately low risk

LOW HIGH

Moderate ModeratelyHighMo

derately

Low

HighLo

w

Baroda Treasury Advantage Fund[An open-ended low duration debt scheme investing in instruments such that the Macaulay duration of the portfolio is between 6 months and 12 months (please refer page no.6)]

• Regular income over short term with maintaining a

balance between returns and liquidity.

• Investment predominantly in Money Market (i.e.

CP/CDs) and Debt Market Instruments.

Baroda Liquid Fund(An Open Ended Liquid Scheme)

• Regular income over short term with high

level of liquidity.

• Investment predominantly in Money

Market (i.e. CP / CDs) Instruments.

Riskometer

Investors understand that their principal will be at low risk

LOW HIGH

Moderate ModeratelyHighMo

derately

Low

HighLo

w

Baroda Conservative Hybrid Fund(Earlier known as Monthly Income Plan Fund)(An open ended hybrid scheme investing pre-dominantly in debt instruments)

• Regular Income and capital appreciation over medium term with providing liquidity

• Investment in debt and money market instruments and in equity and equity related instruments.

Riskometer

Investors understand that their principal will be at moderate risk

LOW HIGH

Moderate ModeratelyHighMo

derately

Low

HighLo

w

• Regular Income over medium term with providing liquidity.

• Investment in medium to long term corporate bonds and / or government securities and manage the portfolio dynamically through different interest rate cycles.

Riskometer

Investors understand that their principal will be at moderate risk

LOW HIGH

Moderate ModeratelyHighMo

derately

Low

HighLo

w

Baroda Dynamic Bond Fund (An open-ended dynamic debt scheme investing across duration)

Baroda GILT Fund(An open ended debt scheme investing in government securities across maturity)

• Credit risk free regular Income over long term.

• Investment only in Government (both Central and State Government) Securities.

• Income over medium term.

• Investment in a mix of debt and money market instruments across the credit and maturity spectrum.

Baroda Credit Risk Fund(Earlier known as Baroda Pioneer Credit Opportunities Fund) (An open ended debt scheme predominantly investing in AA and below rated corporate bonds. (Excluding AA+ rated corporate bonds)

Riskometer

Investors understand that their principal will be at moderate risk

LOW HIGH

Moderate ModeratelyHighMo

derately

Low

HighLo

w

Riskometer

Investors understand that their principal will be at Moderately low risk

LOW HIGH

Moderate ModeratelyHighMo

derately

Low

HighLo

w

Riskometer

Investors understand that their principal will be at moderate risk

LOW HIGH

Moderate ModeratelyHighMo

derately

Low

HighLo

w

* Investors should consult their financial advisors if in doubt about whether the product is suitable for them.Investment Manager

Baroda Asset Management India Limited(Formerly known as Baroda Pioneer Asset Management Company Limited)

CIN : U65991MH1992PLC069414

• Reasonable returns with convenience of liquidity over ultra-short term.

• Investments in a basket of debt and money market instruments such that the Macaulay duration of the portfolio is between 3 months and 6 months.

Baroda Ultra Short Duration FundAn open-ended short term debt scheme investing in instruments such that the Macaulay duration of the portfolio is between 1 year and 3 years (please refer page no.6). Riskometer

Investors understand that their principal will be at Moderately low risk

LOW HIGH

Moderate ModeratelyHighMo

derately

Low

HighLo

w

This Key Information Memorandum (KIM) sets forth the information, which a prospective investor ought to know before investing. For further details of the schemes/Mutual Fund, due diligence certificate by the AMC, Key Personnel, investors’ rights & services, risk factors, penalties & pending litigations etc. investors should, before investment, refer to the Scheme Information Document and Statement of Additional Information available free of cost at any of the Investor Service Centres or distributors or from the website www.barodamf.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. This document is dated January 23, 2019.

Name and Type of Scheme

Investment Objective

Asset Allocation Pattern of the

schemes

Baroda Short Term Bond Fund (BSTBF) An open-ended short term debt scheme investing in instruments such that the Macaulay duration of the portfolio is between 1 year and 3 years(please refer page no. 6).

Baroda Treasury Advantage Fund (BTAF) An open-ended low duration debt scheme investing in instruments such that the Macaulay duration of the portfolio is between 6months and 12 months .

Baroda GILT Fund (BGF) An open ended debt scheme investing in government securities across maturity.

An Open Ended Liquid Scheme

Baroda Dynamic Bond Fund (BDBF) An open-ended dynamic debt scheme investing across duration.

Baroda Credit Risk Fund (BCRF) An open ended debt scheme predominantly investing in AA and below rated corporate bonds. (Excluding AA+ rated corporate bonds)

Baroda Ultra Short Duration Fund (BUSDF) An open ended ultra short term debt scheme investing in instruments such that the Macaulay duration of the portfolio is between 3months and 6 months

Baroda Short Term Bond Fund To generate income from a portfolio constituted of short term debt and money market securities

To generate regular income through investment in debt and money market instruments and also to generate long-term capital appreciation investing a portion in equity and equity related instruments

Baroda Treasury Advantage Fund To provide optimal returns and liquidity through a portfolio comprising of debt securities and money market instruments

Baroda GILT Fund To generate income by investing in a portfolio of government securities.

Baroda Liquid Fund To generate income with a high level of liquidity by investing in a portfolio of money market and debt securities.

To generate returns with liquidity by managing the portfolio dynamically through interest rate cycles.

Baroda Credit Risk Fund To generate returns by investing in debt and money market instruments across the credit spectrum. There is no assurance or guarantee that the investment objective of the Scheme will be realized.

Baroda Ultra Short Duration Fund To generate regular income by investing in a portfolio of debt and money market instruments such that the Macaulay duration of the portfolio is between 3 months -6 months . However, there can be no assurance that the investment objective of the Scheme will be realized.

Baroda Short Term Bond Fund

Type of Instrument Normal Allocation ( % of net assets) Risk Profile

Debt and money market instruments such that the Macaulay duration of the portfolio is between 1 year and 3 years.* Upto 100% Low to Medium

Investment in REITs and InvITs 0- 10% High

* Please refer pg. no. 6 of this KIM.

The scheme will invest in fixed income derivatives upto 50% of the net assets of the scheme.

Baroda Conservative Hybrid Fund

Type of Instrument Normal Allocation ( % of net assets) Risk Profile

Equity & Equity related securities 10- 25% High to Medium

Money Market instruments and Debt Securities 75- 90% Medium to Low

REITs and InvITs 0-10% High

Securitized debt* Upto 50% Low to Medium

* No investment will be made in foreign securitized debt.

The value of derivatives contracts outstanding will be limited to 50% of the scheme's net assets.

The scheme shall not invest in the equity linked debentures.

Baroda Conservative Hybrid Fund (BCHF) An open ended hybrid scheme investing pre-dominantly in debt instruments.

(please refer page no. 6)

Baroda Liquid Fund (BLF)

(please refer page no. 6)

Baroda Conservative Hybrid Fund

Baroda Dynamic Bond Fund

(please refer page no. 6)

The scheme may invest in securitized debt upto 50% of its net assets. No investment will be made in foreign securitised debt.

Baroda Treasury Advantage Fund

Type of Instrument Normal Allocation ( % of net assets) Risk Profile

Money Markets Instruments/ Debt Instruments such that the Macaulay duration of the portfolio is between 6 Upto 100% Low to Mediummonths and 12 months.*

REITs and InvITs. 0- 10% High

* Please refer pg. no. 6 of this KIM.

The scheme may invest in securitized debt upto 50% of its net assets.

No investment will be made in foreign securitised debt. The scheme will have a maximum debt derivative net position of 50% of the net assets of the scheme.

The scheme shall not invest in the equity linked debentures. The scheme shall not engage in stock lending and borrowing.

Baroda GILT Fund

Type of Instrument Normal Allocation ( % of net assets) Risk Profile

Government of India, State Government dated Securities, T-Bills 80-100% Low

Debt and Money Market Instruments (including securitized debt and foreign securities) 0-20% Low to Medium

Baroda Liquid FundType of Instrument Normal Allocation ( % of net assets) Risk ProfileDebt Instruments 0- 25% Low to MediumMoney Market Instruments 75- 100% LowSecuritized Debt* 0- 25% Medium*No investment will be made in foreign securitized debt.Exposure to fixed income derivative instruments will be restricted to 50% of the net assets of the scheme. The scheme shall make investments in/purchase debt and money market securities with maturity of upto 91 days only. Also, inter scheme transfers of securities with maturity of upto 91 days only can be done from other schemes into this scheme.

Baroda Dynamic Bond FundType of Instrument Normal Allocation ( % of net assets) Risk ProfileInvestment in debt and money market instruments across duration Upto 100 % Low to Medium Investment in REITs and InvITs 0- 10% HighInvestment in fixed income derivatives positions upto 50% of the net assets of the scheme. The scheme may invest in securitized debt upto 50% of its net assets. The scheme shall not invest in equity-linked debentures.

1

Baroda Ultra Short Duration Fund

Type of Instrument Normal Allocation ( % of net assets) Risk Profile

Debt Instruments* 0- 80% Low to Medium

Money Market instruments 20- 100% Low

REITs and InvITs 0- 10% High

*The scheme may invest upto 50% in securitized debt. No investment will be made in foreign securitized debt.

The scheme will invest in debt and money market instruments such that the Macaulay duration of the portfolio is between 3 months - 6 months (Please refer pg. no. 6 of this KIM).

Exposure to fixed income derivative instruments will be restricted to 50% of the net assets of the scheme.

The scheme shall not invest in equity-linked debentures.

The scheme will invest in debt and money market instruments of investment grade and/or unrated securities. “Investment grade” means investment grade by a credit rating agency authorised to carry out such activity under the Regulations. The scheme retains the flexibility to invest across all securities in the debt and money markets as permitted by SEBI / RBI from time to time. In addition to the instruments stated in the above table, the scheme may enter into reverse repos in government securities as may be permitted by SEBI and RBI and in Tri-Party Repo in line with relevant RBI regulations.

The scheme does not intend to undertake / invest /engage in Credit Default Swaps (CDS) transactions.

Common Points for all the schemes:

1. Exposure to fixed income derivative instruments will be restricted to 50% of the net assets of the scheme based on the opportunities available and in line with the overall investment objective of the scheme, subject to the guidelines issued by SEBI from time to time. These may be taken to hedge or rebalance the portfolio, or to undertake any other strategy as may be permitted under the Regulations from time to time. (Not applicable to BGF).

2. The scheme may invest in foreign securities upto 25% of its net assets subject to maximum of US$ 300 million in the aggregate at the Mutual Fund level, as per the SEBI circular nos. SEBI/IMD/CIR No.7/104753/07 dated September 26, 2007 and SEBI/IMD/CIR no. 2 / 122577 / 08 dated April 8, 2008. (Not applicable to BLF and BGF).

3. Pending deployment of funds of the scheme in securities in terms of the investment objective, the AMC may park the funds of the scheme in short term deposits of scheduled commercial banks, subject to the guidelines issued by SEBI vide its circular dated April 16, 2007, as amended from time to time.

4. In addition to the instruments stated in the above table, the scheme may enter into reverse repos in Government securities as may be permitted by RBI & SEBI. A part of the net assets may be invested in Tri-party repo or reverse repo or in an alternative investment as may be provided by RBI to meet the liquidity requirements.

5. The scheme will not invest in repos in corporate debt. (Not applicable to BTAF, BLF, BGF and BDBF).

6. The cumulative gross exposure through equity, debt, derivative positions, REITs and InvITs (if applicable) shall not exceed 100% of the net assets of the scheme.

7. Sector Exposure Restriction

The AMC shall ensure that the total exposure of the scheme in a particular sector (excluding investments in Bank CDs, CBLO, G-Secs, T-Bills short term deposits of scheduled commercial banks and AAA rated securities issued by Public Financial Institutions and Public Sector Banks) does not exceed 25% of the net assets of the scheme. Also, an additional exposure to financial services sector (over and above the existing 25%) not exceeding 15% of the net assets of the scheme will be allowed by way of increase in exposure to HFCs only, subject to the condition that such securities issued by HFCs are rated AA and above and these HFCs are registered with National Housing Bank (NHB). However, the total investment in HFCs cannot exceed 25% of the net assets of the scheme.

Change in Investment Pattern & Rebalancing of Portfolio

Subject to the Regulations, the asset allocation pattern indicated above may change from time to time, keeping in view market conditions, market opportunities, applicable regulations and political and economic factors. It must be clearly understood that the percentages stated above are only indicative and not absolute, and that they can vary, depending upon the perception of the Investment Manager; the intention being at all times to seek to protect the interests of the Unit holders.

Such changes in the investment pattern will be for a short term and for defensive considerations only. In the event of such a deviation, the fund manager will rebalance the portfolio within 30 days from the date of deviation. If, however, the portfolio is not rebalanced within the said 30 days, justification for not rebalancing will be placed before the Investment Committee of the AMC and effective steps would be taken as may be decided by the Investment Committee. At all points of time, the portfolio will be in line with the investment objective of the scheme.

Investors may please note that any change in the asset allocation pattern, other than that envisaged above, and hence affecting the investment profile of the scheme, shall be construed as a change in fundamental attribute, and shall be effected only in accordance with the provisions of sub regulation (15A) of Regulation 18 of the SEBI Regulations.

The Schemes will have two plans thereunder, viz. Plan A and Plan B (Direct) in case of all schemes except Baroda Ultra Short Duration Fund. Baroda Ultra Short Duration Fund have two plans viz. Regular Plan and Direct Plan. Plan B (Direct)/ Direct Plan is meant for direct investments, i.e. for investors who purchase/subscribe to the units of the Schemes directly with the Fund and is not available for investors who route their investments through a Distributor, while Plan A/ Regular Plan is meant for investors who route their investments through distributors only. Both Plans will have a common portfolio but Plan B (Direct)/ Direct Plan will have a lower expense on account of absence of brokerage and commission. Hence both plans will have distinct NAVs.

•

Baroda Conservative Hybrid Fund :-

Baroda Dynamic Bond Fund :- • Growth • Dividend Option - Under each Dividend Option: • Payout • Reinvestment

Baroda Credit Risk Fund

Type of Instrument Normal Allocation ( % of net assets) Risk Profile

Corporate bonds (only in AA* and below rated corporate bonds@) 65- 100% High

Debt and money market instruments, other than the above 0- 35% Low to Medium

REITs and InvITs 0- 10% High

*excludes AA+ rated corporate bonds.

@Including corporate debt / structured obligations having short term rating, but long term rating as AA and below, or no long term rating. For the sake of clarity, the long term rating of such instruments would be considered. In case where two or more credit ratings are available for an instrument, the lower rating of the instrument will be considered.

The fund manager may also invest in unrated debt securities, which the fund manager believes to be of equivalent quality.

The scheme may take derivatives positions upto 50% of its net assets.

Investment in securitized debt would be up to 50% of the net assets of the scheme. The scheme will not invest in foreign securitised debt.

The scheme will not engage in short selling and securities lending.

The scheme will invest in debt instruments of varying ratings including unrated debt securities.

The scheme shall not invest in equity linked debentures.

Mutual Fund Units involve investment risks including the possible loss of principal. Please read the SID carefully for details on risk factors before investment. Scheme specific Risk Factors are summarized below:

Interest Rate Risk: As with all debt and money market instruments, changes in interest rates will affect the Scheme’s Net Asset Value as the prices of securities generally increase as interest rates decline and decrease as interest rates rise.

Liquidity or Marketability Risk: This refers to the ease at which a security can be sold at or near its true value. The primary measure of liquidity risk is the spread between the bid price and the offer price quoted by a dealer.

Credit Risk: Credit risk or default risk refers to the risk which may arise due to default on the part of the issuer of the fixed income security (i.e. will be unable to make timely principal and interest payments on the security).

Reinvestment Risk: This risk refers to the interest rate levels at which cash flows received from the securities in the Scheme or from maturities in the Scheme are reinvested. The additional income from reinvestment is the “interest on interest” component. The risk refers to the fall in the rate for reinvestment of interim cash flows.

Risks associated with investing in unrated debt securities such as non-availability of third party assessment on the repaying capability of the issuer, etc.

Risks associated with investment in Derivatives involve, liquidity risk, valuation risk, systemic risk etc.

Schemes may invest in securitized debt such as asset backed securities (ABS) or mortgaged backed securities (MBS) which involves risk such as limited liquidity and price risk, limited recourse, delinquency and credit risk, etc.

Risks associated with transaction in Units through Stock Exchange mechanism: Allotment and/or redemption of Units through NSE or BSE or any other recognized stock exchange on any Business Day will depend upon the modalities of processing viz. collection of application form, order processing, settlement, etc., upon which the Scheme has no control. Moreover, transactions conducted through the stock exchange mechanism will be governed by the operating guidelines and directives issued by the relevant recognized stock exchange.

Applicable to Baroda Conservative Hybrid Fund

Risks associated with investing in equity and equity related securities

Equity instruments carry both company specific and market risks and hence, no assurance of returns can be made in respect of these investments. Equity securities and equity related securities are volatile and prone to price fluctuations on a daily basis. The liquidity of investments made in the Scheme may be restricted by trading volumes and settlement periods. Settlement periods may be extended significantly by unforeseen circumstances. The inability of the Scheme to make intended securities purchases, due to settlement problems, could cause the Scheme to miss certain investment opportunities. Similarly, the inability to sell securities held in the Scheme's portfolio would result at times, in potential losses to the Scheme, should there be a subsequent decline in the value of securities held in the Scheme's portfolio. Also, the value of the Scheme’s investment may be affected by fluctuations in the interest rates, currency exchange rates, changes in laws/policies of the government, taxation laws and political, economic or other developments which may have an adverse bearing on individual securities, a specific sector or all sectors.

Please refer SID for risks associated with investing in Foreign Securities and REITS and InvITs.

Investment in debt securities carries various risks such as inability to sell securities, trading volumes and settlement periods, interest rate risk, liquidity risk, default risk, reinvestment risk etc. Whilst such risks cannot be eliminated, they may be mitigated by diversification.

Applicable to Baroda Conservative Hybrid Fund

Investments in equity and equity related securities carry various risks such as inability to sell securities, trading volumes and settlement periods, liquidity risk, default risk, reinvestment risk etc. Whilst such risks cannot be eliminated, they may be mitigated by diversification and hedging. Further, the portfolio of a Scheme will be constructed in accordance with the investment restrictions specified under the Regulations which would help in mitigating certain risks relating to investments in securities market.

The Options / Sub-Options presently offered under each Scheme, i.e. under Plan A/ Regular Plan, will also be available for subscription under Plan B (Direct)/ Direct Plan.

The Scheme-wise details of Options / Sub-Options (available under each Plan) are as under:

Baroda Short Term Bond Fund :- • Growth • Monthly Dividend Quarterly Dividend - Under each Dividend Option: • Payout • Reinvestment

• Growth • Monthly Dividend • Quarterly Dividend - Under each Dividend Option: • Payout • Reinvestment

Baroda Treasury Advantage Fund :- • Growth • Daily Dividend • Weekly Dividend • Monthly Dividend • Quarterly Under each Dividend Option: • Payout • Reinvestment

Note: The Daily and Weekly Dividend Options do not have the Payout Sub-Option.

Baroda GILT Fund :- • Growth • Dividend - Under the Dividend Option: • Payout • Reinvestment

Baroda Liquid Fund :- • Growth • Daily Dividend Option • Weekly Dividend Option - Both dividend options offer Reinvestment of Dividend.

Risk Profile of the Schemes

Risk Mitigation/ ManagementStrategy

Plan & Options

Dividend -

2

• Growth • Monthly Dividend • Quarterly DividendUnder each Dividend Option: • Payout • Reinvestment

If the Dividend under the Payout Option of the Schemes is less than or equal to ` 200, it will, by default, be reinvested under the Reinvestment sub-option.In order to have a uniform disclosure on treatment of applications under "Direct" / "Regular" Plans, the following disclosures are made :

Purchase

In respect of valid applications received up to 2.00 p.m. on a day and funds are available for utilization before the cut-off time Closing NAV of the day immediately preceding the day of without availing any credit facility, whether, intra-day or otherwise receipt of application

In respect of valid applications received after 2.00 p.m. on a day and funds are available for utilization on the same day without Closing NAV of the day immediately preceding the next availing any credit facility, whether, intra-day or otherwise business day

Irrespective of the time of receipt of application, where the funds are not available for utilization before the Closing NAV of the day immediately preceding thecut-off time without availing any credit facility, whether, intra-day or otherwise day on which the funds are available for utilization.

In respect of valid applications received up to 3.00 pm with a local cheque or demand draft payable at par at the place where Closing NAV of the day of receipt of applicationit is received

In respect of valid applications received after 3.00 pm with a local cheque or demand draft payable at par at the place where Closing NAV of the next business dayit is received

In respect of valid applications with outstation cheque/ demand drafts not payable at par at the place where applications are Closing NAV of the day on which the cheque or received demand draft is credited

In respect of valid purchase applications accepted for schemes other than BLF with amount equal to or more than 2 lakh, irrespective of the time of receipt of application, the closing NAV of the day on which the funds are available for utilisation shall be applicable.

For allotment of units in respect of purchase in BLF schemes (irrespective of amount) and in other schemes (for an amount equal to or more than 2 lakh), it shall be ensured that:

(i) Application is received before the applicable cut-off time.

(ii) Funds for the entire amount of subscription/purchase as per the application are credited to the bank account of the respective scheme before the cut-off time.

(iii) The funds are available for utilization before the cut-off time without availing any credit facility whether intra-day or otherwise, by the respective scheme.

Re-Purchase / Redemption

BLF Applicable NAV

In respect of valid application received upto 3.00 pm Closing NAV of day immediately preceding the next business day

In respect of valid application received after 3.00 pm Closing NAV of the next business day.

All schemes other than BLF

In case of valid applications received upto 3.00 pm Closing NAV of the day of receipt of application

In case of valid applications received after 3.00 pm Closing NAV of the next business day

For allotment of units in respect of switch-in to BLF from other schemes, it shall be ensured that :

i. Application for switch-in is received before the applicable cut-off time.

ii. Funds for the entire amount of subscription/purchase as per the switch-in request are credited to the bank account of BLF before the cut-off time.

iii. The funds are available for utilization before the cut-off time without availing any credit facility whether intra-day or otherwise.

For allotment of units in respect of switch-in to any of the debt schemes other than BLF from other scheme, it shall be ensured that :

i. Application for switch-in is received before the applicable cut-off time.

ii. Funds for the entire amount of subscription/purchase as per the switch-in request are credited to the bank account of the respective scheme before the cut-off time.

iii. The funds are available for utilization before the cut-off time without availing any credit facility whether intra-day or otherwise.

‘Switch in’ transactions will be treated as if they were purchase transactions and ‘switch out’ transactions will be treated as if they were repurchase/redemption transactions. In case of ‘switch’ transactions from one scheme to another the allocation shall be in line with redemption payouts.

With respect to investors who transact through the stock exchange, Applicable NAV shall be reckoned on the basis of the time stamping as evidenced by confirmation slip given by stock exchange mechanism.

The time of transaction done through electronic mode (including online facility), for the purpose of determining the applicability of NAV, would be the time when the request for purchase / sale / switch of units is received in the servers of AMC/Registrar.The cut off time for the tele transact facility is 2.00 pm (1.00 p.m. in case of BLF) for purchases on all business days. If the call is received after the said above cut off time, the same would be considered as transaction for the next business day. All calls received up to the specified cut off times, shall be eligible for the applicable NAV.

Purchase Additional Purchase Re-purchase

Baroda Short Term Bond Fund ` 5,000/- and in multiples of ̀ 1/- thereafter ` 1,000/- and in multiples of ̀ 1/- thereafter

Baroda Conservative Hybrid Fund ` 5,000/- and in multiples of ̀ 1/- thereafter ` 1,000/- and in multiples of ̀ 1/- thereafter

Baroda Treasury Advantage Fund ` 5,000/- and in multiples of ̀ 1/- thereafter ` 1,000/- and in multiples of ̀ 1/- thereafter

Baroda GILT Fund ` 5,000/- and in multiples of ` 1/- thereafter ` 1,000/- and in multiples of ` 1/- thereafter

Baroda Liquid Fund ` 5,000/- and in multiples of ̀ 1/- thereafter ` 1,000/- and in multiples of ̀ 1/- thereafter

Baroda Dynamic Bond Fund ` 5,000/- and in multiples of Re. 1/- thereafter ` 1,000/- and in multiples of ̀ 1/- thereafter

Baroda Credit Risk Fund ` 5,000/- and in multiples of Re. 1/- thereafter ` 1,000/- and in multiples of ̀ 1/- thereafter

Baroda Ultra Short Duration Fund

Redemption or repurchase proceeds shall be dispatched to Unit Holders within 10 working days from the date of redemption or repurchase request at the official points of acceptance of Baroda Mutual Fund.

Baroda Short Term Bond Fund CRISIL Short Term Bond Fund Index

CRISIL Hybrid 85+15 - Conservative Index

Baroda Treasury Advantage Fund CRISIL Liquid Fund Index

Baroda GILT Fund I-Sec Mi-Bex

Baroda Liquid Fund CRISIL Liquid Fund Index

Baroda Dynamic Bond Fund CRISIL Composite Bond Fund Index

CRISIL Short Term Bond Fund Index

Baroda Ultra Short Duration Fund CRISIL Ultra Short Fund Index

Under the Dividend Option, the Trustee may declare dividends, subject to availability and adequacy of distributable surplus, calculated in accordance with the SEBI Regulations, and the decision of the Trustee shall be final in this regard. There is no assurance or guarantee to the Unit holders as to the rate of dividend or that dividend will be paid regularly. The procedure and manner of payment of dividend shall be in line with SEBI circular / guidelines no. SEBI / IMD / CIR No. 1 / 64057 / 06 dated April 04, 2006 and SEBI / IMD / CIR No. 3 / 65370 / 06 dated April 21, 2006 as amended from time to time.

Schemes Fund Manager(s)

Baroda GILT Fund

Baroda Liquid Fund

Baroda Treasury Advantage Fund

Baroda Dynamic Bond Fund

Baroda Short Term Bond Fund

Baroda Ultra Short Duration Fund

Baroda Credit Risk Fund

Baroda Trustee India Private Limited

Baroda Credit Risk Fund

Baroda Ultra Short Duration Fund• Growth • Daily Dividend Option • Weekly Dividend OptionDividend declared by the Scheme will be compulsorily re-invested.

Scenario Broker Code mentioned by the investor Plan mentioned by the investor Default Plan to be captured

1 Not mentioned Not mentioned Direct Plan

2 Not mentioned Direct Direct Plan

3 Not mentioned Regular Direct Plan

4 Mentioned Direct Direct Plan

5 Direct Not Mentioned Direct Plan

6 Direct Regular Direct Plan

7 Mentioned Regular Regular Plan

8 Mentioned Not Mentioned Regular Plan

In cases of wrong/ invalid/ incomplete ARN codes mentioned on the application form, the application shall be processed under Regular Plan. The AMC shall contact and obtain the correct ARN code within 30 calendar days of the receipt of the application form from the investor/ distributor. In case, the correct code is not received within 30 calendar days, the AMC shall reprocess the transaction under Direct Plan from the date of application without any exit load.

BLF (cut-off time) Applicable NAV

All Schemes other than BLF (cut-off time)

`

`

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

Baroda Conservative Hybrid Fund

Baroda Credit Risk Fund

Baroda Conservative Hybrid Fund

Mr. Alok Sahoo jointly with Ms. Hetal Shah

Mr. Alok Sahoo jointly with Mr. Karn Kumar

Applicable NAV

Minimum Application Amount

/Number of Units

Despatch of Repurchase(Redemption) Request

Benchmark Index

Dividend Policy

Name of the Fund Mangers

Name of the Trustee Company

No minimum amount

3

Ms. Hetal Shah

Performance of Scheme (as on December 31, 2018)

Baroda Short Term Bond Fund

Compounded Annualised Return Scheme

Return %BenchmarkReturn (%)*

Plan A Plan B (Direct)

SchemeReturn %

BenchmarkReturn (%)*

1 Year 7.11 6.65 7.88 6.65

3 Year 8.08 7.5 8.85 7.5

5 Year 8.48 8.32 9.23 8.32

Since Inception 8.11 8.1 9.04 8.3

Baroda Treasury Advantage Fund

Compounded Annualised Return Scheme

Return %BenchmarkReturn (%)*

Plan A Plan B (Direct)

SchemeReturn %

BenchmarkReturn (%)*

1 Year 6.91 7.57 7.22 7.57

3 Year 7.9 7.24 8.28 7.24

5 Year 8.42 7.83 8.8 7.83

Since Inception 8.28 7.48 8.9 8.03

*CRISIL Short-Term Bond Fund Index. Note: “Since Inception”returns are calculated from the date of allotment, viz. June 30, 2010 for Plan A and January 1, 2013 for Plan B (Direct). The “Returns” shown are for the growth option. Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments. Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments.

Scheme Returns Plan A Scheme Return Plan B Benchmark Index

7.00

9.87

8.26

9.80

7.907.76

10.68

8.97

10.45

8.43

6.17

9.18.44

10.33

8.79

0

2

4

6

8

10

12

FY 17-18 FY 16-17 FY 15-16 FY 14-15 FY 13-14

*CRISIL LIQUID FUND INDEX. Note: “Since Inception” returns are calculated from the date of allotment, viz. June 24, 2009 for Plan A and January 1, 2013 for Plan B (Direct). The “Returns” shown are for the growth option. Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments.

Scheme Returns Plan A Scheme Return Plan B Benchmark Index

7.31

9.09

8.04 8.439.31

7.62

9.57 9.45 9.63 9.69

6.84 7.118.04

8.989.46

0

2

4

6

8

10

12

FY 17-18 FY 16-17 FY 15-16 FY 14-15 FY 13-14

4

Baroda Conservative Hybrid Fund

Compounded Annualised Return Scheme

Return %BenchmarkReturn (%)*

Plan A Plan B (Direct)

SchemeReturn %

BenchmarkReturn (%)*

1 Year 3.88 5.28 4.9 5.28

3 Year 6.6 8.65 7.5 8.65

5 Year 8.28 10.13 9.25 10.13

Since Inception 6.05 8.52 8.79 9.06

Baroda Gilt Fund

Compounded Annualised Return Scheme

Return %BenchmarkReturn (%)*

Plan A Plan B (Direct)

SchemeReturn %

BenchmarkReturn (%)*

1 Year 6.01 7.95 6.9 7.95

3 Year 6.94 8.37 7.78 8.37

5 Year 8.43 9.52 9.42 9.52

Since Inception 6.32 7.75 8.6 8.85

*CRISIL MIP Blended Index. Note: “Since Inception” returns are calculated from the date of allotment, viz. September 08, 2004 for Plan A and January 1, 2013 for Plan B (Direct). The “Returns” shown are for the growth option. Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments.

Scheme Returns Plan A Scheme Return Plan B Benchmark Index

5.34

10

3.26

16.26

8.21

6.41

10.8

4.28

17.38

9.11

6.26

12.3

5.65

16.45

6.47

0

2

4

6

8

10

12

14

16

18

20

FY 17-18 FY 16-17 FY 15-16 FY 14-15 FY 13-14

*I-Sec Mi- BEX. Note: “Since Inception” returns are calculated from the date of allotment, viz. March 21, 2002 for Plan A and January 1, 2013 for Plan B (Direct). The “Returns” shown are for the growth option. Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments.

Scheme Returns Plan A Scheme Return Plan B Benchmark Index

3.49

9.72

6.39

15.83

4.584.36

10.52

7.15

17.56

5.225.09

10.659.01

14.37

5.10

0

2

4

6

8

10

12

14

16

18

20

FY 17-18 FY 16-17 FY 15-16 FY 14-15 FY 13-14

Baroda Liquid Fund

Compounded Annualised Return Scheme

Return %BenchmarkReturn (%)*

Plan A Plan B (Direct)

SchemeReturn %

BenchmarkReturn (%)*

1 Year 7.48 7.58 7.59 7.58

3 Year 7.3 7.24 7.42 7.24

5 Year 7.88 7.83 7.99 7.83

Since Inception 7.78 7.45 8.2 8.03

*Crisil Liquid Fund Index. Note: “Since Inception” returns are calculated from the date of allotment, viz. February 05, 2009 for Plan A January 1, 2013 and for Plan B (Direct). The “Returns” shown are for the growth option. Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments.

Scheme Returns Plan A Scheme Return Plan B Benchmark Index

6.87.32

8.308.96 9.39

6.97.44

8.419.07 9.46

6.84 7.118.04

8.989.46

0

1

2

3

4

5

6

7

8

9

10

FY 17-18 FY 16-17 FY 15-16 FY 14-15 FY 13-14

Baroda Dynamic Bond

Compounded Annualised Return Scheme

Return %BenchmarkReturn (%)*

Plan A Plan B (Direct)

SchemeReturn %

BenchmarkReturn (%)*

1 Year 7.09 5.91 7.65 5.91

3 Year 8.34 7.79 8.99 7.79

5 Year 9.42 9.23 10.21 9.23

Since Inception 8.81 8.41 9.49 8.26

*Crisil Composite Bond Fund Index. Note: “Since Inception” returns are calculated from the date of allotment, viz. July 02, 2012 for Plan A and January 1, 2013 and for Plan B (Direct). The “Returns” shown are for the growth option. Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments.

Scheme Returns Plan A Scheme Return Plan B Benchmark Index

5.44

11.51

6.96

16.29

4.536.00

12.37

7.53

17.46

5.895.10

11.09

8.22

14.59

4.34

0

2

4

6

8

10

12

14

16

18

20

FY 17-18 FY 16-17 FY 15-16 FY 14-15 FY 13-14

Baroda Credit Risk Fund

Compounded Annualised Return Scheme

Return %BenchmarkReturn (%)*

Plan A Plan B (Direct)

SchemeReturn %

BenchmarkReturn (%)*

1 Year 5.90 6.65 6.90 6.65

3 Year 8.53 7.50 9.75 7.50

5 Year -- -- -- --

Since Inception 8.96 7.70 10.21 7.70

* CRISIL Short Term Bond Fund index. Note: “Since Inception” and FY 14-15 returns are calculated from the date of allotment, viz. January 23, 2015. The “Returns” shown are for the growth option. Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments.

Benchmark IndexScheme Returns Plan A Scheme Return Plan B

8.85

11.45

9.77

2.39

7.60

12.90

11.04

2.59

6.17

9.108.44

1.58

0

2

4

6

8

10

12

14

FY 17-18 FY 16-17 FY 15-16 FY 14-15

Baroda Ultra Short Duration Fund

The Scheme has not completed one year since inception and hence, as prescribed in the SEBI Regulations as amended from time to time, performance of the Scheme has not been provided.

Expenses of the Schemes

Waiver of Load for

Direct Applications

Tax Treatment for the Investors

i) Load Structure and Transaction Charges

a) Entry Load

In accordance with the requirements specified by SEBI circular no. SEBI/IMD/CIR No.4/168230/09 dated June 30, 2009 no entry load is charged for purchase / additional purchase / switch-in accepted by the Fund. Similarly, no entry load is charged with respect to applications for registrations under systematic investment plans/ systematic transfer plans accepted by the Fund.

The upfront commission on investment made by the investor, if any, shall be paid to the ARN Holder directly by the investor, based on the investor's assessment of various factors includingservice rendered by the ARN Holder.

Pursuant to SEBI circular No. SEBI/IMD/CIR No. 14/120784/08 dated March 18, 2008, with effect from April 1, 2008, no entry load or exit load is charged in respect of bonus units and unitsallotted on reinvestment of dividend.

b) Exit Load

Baroda Short Term Bond Fund 0.25%, if redeemed on or before 15 days from the date of allotment. Nil, if redeemed after 15 days from the dateof allotment.

Baroda Conservative Hybrid Fund Nil

Baroda Treasury Advantage Fund NIL

Baroda GILT Fund 0.25%, if redeemed on or before 1 month (30 days) from the date of allotment)Nil, if redeemed after 1 month (30 days) from the date of allotment

Baroda Liquid Fund Nil

Baroda Dynamic Bond Fund 0.50%, if redeemed within 3 months from the date of allotment of units; NIL, if redeemed after 3 months from the date of allotment of units.

Baroda Credit Risk Fund If units are redeemed upto 10% of the units, on or before one year from the date of allotment : Nil; If units are redeemed over and above the 10% limit, on or before one year from the date of allotment : 1% of the applicable Net Asset Value (NAV); If units are redeemed after one year from the date of allotment : Nil.

c) Transaction Charge

(i) Nil on subscription amounts less than 10,000/-;

(ii) 100/- on every subscription of 10,000/- and above for an existing investor in mutual funds;

(iii) 150/-* on a subscription of 10,000/- and above for an investor investing in mutual funds for the first time. The transaction charge referred to in (ii) and (iii) above will be payable onlyfor transactions done through a distributor who has opted in to receive the transaction charge on a product basis.

* In the case of any applicable transaction, where the AMC/Fund/Registrar is unable to identify whether the investor concerned is a first-time investor in mutual funds, 100/- will becharged as transaction charge. The transaction charge referred to in (ii) and (iii) above will be payable only for transactions done through a distributor who has opted to receive the transaction charges on product basis.

ii) Annual scheme recurring expenses

The AMC has estimated that upto 2.25% per annum of the daily average net assets of the scheme will be charged to the scheme as expenses.

Particulars % p.a. of daily Net Assets (Regular Plan)

Investment Management & Advisory Fee Upto 2.25

Trustee fee

Audit Fees

Custodian Fees

Registrar & Transfer Agent Fees

Marketing & Selling Expenses including Agents’ Commission

Costs related to investor communications

Costs of fund transfer from location to location

Cost of providing account statements / dividend / redemption cheques/ warrants

Cost of Statutory Advertisements

Cost towards investor education & awareness (at least 2 bps)

Brokerage & transaction cost over and above 12 bps and 5 bps for cash and derivative market trades respectively

Goods & Service Tax (GST) on expenses other than investment and advisory fees

GST on brokerage and transaction cost$Other expenses

Maximum Total expenses ratio (TER) permissible under Regulation 52 (6) (c)(i) and (6) (a) Upto 2.25

Additional expenses under Regulations 52(6A)(c)* Up to 0.05

Additional expenses for gross new inflows from specified cities under regulation 52(6A) (b) Upto 0.30$Any other expenses which are directly attributable to the scheme, may be charged with approval of the Trustee within the overall limits as specified in the Regulations except those expenses which are specifically prohibited.

*However, such additional expenses will not be charged, if exit load is not levied / not applicable to the Scheme.

Expense Structure for Direct Plan - The annual recurring expenses will be within the limits specified under the Regulations. Commission/distribution expenses will not be charged in case of Direct Plan and hence, the TER of Direct Plan will be lower to the extent of the commission/distribution expenses vis-à-vis Regular Plan.

Types of expenses charged shall be as per the SEBI Regulations and within the limits mentioned above. Expenses are fungible inter-se. Investors may note that the above mentioned limits on TER are within the limits mandated by Regulation 52 (6) of the SEBI Regulations, which are as under:

i) 2.25% on the first Rs.100 Crore of daily net assets.

ii) 2.00% on the next Rs.300 Crore of daily net assets.

iii) 1.75% on the next Rs.300 Crore of daily net assets.

iv) 1.50% on the balance of the daily net assets.

The AMC will also annually set apart, for investor education and awareness initiatives, at least 0.02% on the daily net assets of the scheme, which shall be within the maximum limit of TER as mentioned in the table above. Further, in addition to the TER, the following costs or expenses may be charged to the scheme, namely:

(a) brokerage and transaction costs, which are incurred for the purpose of execution of trades, may be capitalised to the extent of 12 bps in case of cash market transactions and 5 bps in case of derivatives transactions. Any payment towards brokerage and transaction cost over and above the aforesaid limits may be charged to the scheme within the maximum limit of TER mandated by Regulation 52(6) of the SEBI Regulations.

(b) expenses not exceeding 0.30% of the daily net assets of the scheme, if the new inflows from such cities as specified by SEBI from time to time are at least (i) 30% of gross new inflows in the scheme, or (ii) 15% of the average assets under management (year to date) of the scheme, whichever is higher.

Provided that if inflows from such cities are less than the higher of (i) or (ii) above, such expenses on the daily net assets of the scheme shall be charged on a proportionate basis. Provided further that the expenses charged under this provision shall be utilised for distribution expenses incurred for bringing inflows from such cities. Provided further that the amount incurred as expense on account of inflows from such cities shall be credited back to the scheme in case the said inflows are redeemed within a period of one year from the date of investment.

(c) additional expenses, incurred towards different heads, not exceeding 0.05% of the daily net assets of the Scheme. However, such expenses will not be charged if exit load is not levied / not applicable to the Scheme.

GST on investment and advisory fees may be charged to the scheme in addition to the maximum limit of TER as mentioned in the table above. GST on expenses other than investment and advisory fees, if any, shall be borne by the scheme within the maximum limit of TER as mentioned in the table above. GST on brokerage and transaction costs paid for execution of trade, if any, shall be within the limit prescribed under Regulation 52 of the SEBI Regulations.

Any expenditure in excess of the said prescribed limit (including brokerage and transaction cost, if any) shall be borne by the AMC or by the Trustee or Sponsors.

The Mutual Fund shall update the current expense ratios on its website at least three working days prior to the effective date of the change. Investors may refer to the website of the Mutual Fund (http://www.barodamf.com/Downloads/Pages/expenseratio.aspx) for the current expense ratios.

iii) Actual Expenses for the previous year ended March 31, 2018

Name of the Scheme Plan A Plan B (Direct)Baroda Short Term Bond Fund 1.26% 0.56%

Baroda Treasury Advantage Fund 0.81% 0.51%

Baroda Conservative Hybrid Fund 2.35% 1.33%

Baroda Gilt Fund 1.95% 1.12%

Baroda Liquid Fund 0.24% 0.13%

Baroda Dynamic Bond Fund 1.61% 1.09%

Baroda Credit Risk Fund 1.85% 0.71%

Note: Inception date of Baroda Ultra Short Duration Fund was June 1, 2018.

Not Applicable

Investors are advised to refer to the paragraph on Taxation in the Statement of Additional Information and also consult their own tax advisor with respect to the specific amount of tax implicationsarising out of their participation in the Schemes.

Baroda Ultra Short Duration Fund Nil

`

` `

` `

`

(Unitholders)

5

Daily Net Assets Value (NAV)

Publication

For Investor Grievancesplease contact

Unit holders Information

Investment Strategy

The NAVs of the Scheme will be calculated and declared on the close of each Business Day.

The methodology of calculating the sale and repurchase price of units is given below :

Subscription (Sale) Price = Applicable NAV * (1+Entry Load)

Eg. If the Applicable NAV is Rs. 10, and Entry Load is 1%, then the subscription price will be: Rs. 10*(1+0.01) = Rs. 10.10

Unitholders may note that the Regulations do not permit any Entry Load for subscription of Units, and accordingly, the subscription price will be the Applicable NAV.

Redemption (Repurchase) Price = Applicable NAV * (1-Exit Load)

Eg. If the Applicable NAV is Rs. 10, and Exit Load is 1%, then the redemption price will be : Rs. 10*(1-0.01) = Rs. 9.90.

The AMC shall update the NAVs on the website of the Fund (www.barodamf.com) and of the Association of Mutual Funds in India - AMFI (www.amfiindia.com) on every Business Day. The same shall be made available to unit holders through SMS upon receiving a specific request in this regard. NAVs can also be viewed on www.barodamf.com and www.amfiindia.com.

Investor Relation Officer Name and Address of RegistrarMr. Amitabh Ambastha Karvy Fintech Private Limited 501, Titanium, 5th Floor, Western Express Highway, Goregaon (E), Mumbai - 400063 Karvy Selenium Tower B, Plot number 31 & 32, Financial District, Nanakramguda, Phone: +91 22 3074 1000 /4219 7999, Fax: +91 22 3074 1001. Serilingampally Mandal, Hyderabad - 500 032. India. Fax: +91 40 2331 1968Toll Free No.: 1800-2670-189 Email: info@barodamf.com E-mail id: kfpl.bmfnct@karvy.com

Allotment Confirmation(a) Units in Physical mode :

Investors opting to subscribe to / hold units in physical form, whether by way of a normal purchase or SIP / STP, will be sent, (i) by way of an e-mail and/or an sms to their registered email address and or mobile number, an allotment confirmation, as soon as possible but not later than 5 Business Days from the date of acceptance of the request for subscription, and (ii)a CAS, as mentioned in ‘Consolidated Account Statement (CAS)’ below.

(b) Units in Demat Mode :

For investors who hold Units in dematerialized form, a demat statement shall be provided by the DP in such form and in such manner and at such time as provided in the agreement with the beneficial owner.

Consolidated Account Statement (CAS)

A Unit Holder will be sent, on or before the 10th of every month, by way of a mail / an e-mail, a CAS, containing the details of all transactions effected by the Unit holder across schemes of all mutual funds during the preceding month, including his/her/its holdings at the end of the said month and details of transaction charges paid to distributors, as applicable. Investors may note that CAS will be issued on a monthly basis to all investors in whose folios transactions have taken place during the month concerned. For those investors / unit holders who have provided an e-mail address, CAS will be sent by way of an e-mail. The AMC shall not send physical account statements to the investors if the CAS has been forwarded through email. In case of a specific request received from a Unit holder for a separate account statement, the AMC/ Fund will provide such an account statement to the Unit Holder concerned, within 5 Business Days from the receipt of the request. In the event of inability to send CAS, for any reason whatsoever, or on receipt of specific requests from unit holders/investors, the AMC will send separate account statements. In the event of a folio having more than one registered holder, the first named Unit holder will receive the CAS / account statement. In the case of a dormant investor, i.e. an investor in whose folio, no transaction has taken place during a six-month period ended March or September, a CAS detailing the investors’ holdings across all schemes of all mutual funds at the end of March or September, as the case may be, shall be sent by way of a mail / an e-mail on or before the 10th day of the month immediately succeeding the said March/September. The half yearly CAS will be sent by e-mail to Unit holders whose e-mail address is available, unless a specific request is made by any Unit holder to receive the CAS in physical form.

In accordance with the above, the unitholders who do not have Demat account shall continue to receive the Consolidated Account Statements (CAS) as per the existing practice. However, the following shall be applicable for unitholders having a Demat Account • Investors having MF investments and holding securities in Demat account shall receive a Single Consolidated Account Statement from the Depository. • Consolidation of account statement shall be done on the basis of PAN. In case of multiple holding, it shall be PAN of the first holder and pattern of holding. • The CAS shall be generated on a monthly basis. In case there is no transaction in any of the mutual fund folios and demat accounts then CAS with holding details shall be sent to the investor on half yearly basis. • If there is any transaction in any of the Demat accounts of the investor or in any of his mutual fund folios depositories shall send the CAS within ten days from the month end. The expression, ‘transaction’, includes purchase, redemption, switch, dividend payout, dividend reinvestment, systematic investment plan, systematic withdrawal plan, systematic transfer plan and bonus transactions.

Portfolio disclosure

The AMC shall disclose the portfolio (along with ISIN) as on the last day of the month / half-year for all its schemes on its website (www.barodamf.com) and on the website of AMFI (www.amfiindia.com) within ten days from the close of each month / half year respectively in a user-friendly and downloadable spreadsheet format.

In case of Unit Holders whose e-mail addresses are registered, the Mutual Fund / AMC shall send via e-mail both the monthly and half-yearly statement of scheme portfolio within 10 days from the close of each month / half-year respectively.

The Mutual Fund / AMC shall publish an advertisement every half-year, in the all India edition of at least two daily newspapers, one each in English and Hindi, disclosing the hosting of the half-yearly statement of its schemes portfolio on its website and on the website of AMFI and the modes such as SMS, telephone, e-mail or written request, through which a Unit Holder can submit a request for a physical or electronic copy of the statement of scheme portfolio.

The Mutual Fund / AMC shall provide a physical copy of the statement of its scheme portfolio, without charging any cost, on specific request received from a Unit Holder.

Half yearly financial results

The Mutual Fund shall, before the expiry of one month from the close of each half-year i.e. on 31st March and on 30th September, publish a complete statement of the Scheme’s portfolio in the prescribed format in one national English daily newspaper and in a newspaper in the language of the region where the head office of the Fund is situated. This shall also be displayed on the website of the Mutual Fund / AMC, with a link on the AMFI website.

Also, within one month of the close of each half year, that is on 31st March and on 30th September, the Mutual Fund/AMC shall host a soft copy of its unaudited financial results on the AMC’s website. The AMC shall publish an advertisement disclosing the hosting of such financial results on its website, in at least one English daily newspaper having nationwide circulation and in a newspaper having wide circulation published in the language of the region where the head office of the Fund is situated. Necessary link to this shall be provided on the AMFI website.

Annual Report

The scheme-wise annual report of the Mutual Fund or an abridged summary thereof, shall be provided to all Unit holders not later than four months (or such other period as may be specified by SEBI from time to time) from the date of closure of the relevant accounting year (i.e. 31st March each year).

The scheme-wise annual report shall be hosted on the website of the Mutual Fund / AMC (www.barodamf.com) and on the website of AMFI (www.amfiindia.com). In case of Unit Holders whose e-mail addresses are registered with the Mutual Fund, the scheme-wise annual reports or abridged summary thereof shall be e-mailed to such Unit Holders.

The Mutual Fund / AMC shall provide a physical copy of the abridged summary of the Annual Report, without charging any cost, on specific request received from a Unit Holder.

The Mutual Fund / AMC shall publish an advertisement in the all India edition of at least two daily newspapers, one each in English and Hindi, every year disclosing the hosting of the scheme-wise annual report on its website and on the website of AMFI and the modes such as SMS, telephone, e-mail or written request, through which a Unit Holder can submit a request for a physical or electronic copy of the scheme-wise annual report or abridged summary thereof.

The full Annual Report shall be available for inspection at the Head Office of the Mutual Fund and a copy thereof shall be made available to the Unit Holders on request.

BUSDF, BTAF & BSTBF

The investment strategy of the Scheme is as follows :

1. Identifying attractive opportunities on the basis of the government policies, economic development, monetary policy, research report and overall economic conditions and development.

2. The issuer/ companies selection for investment exposure would be based on financial parameters such as fundamentals of business, quality of management, turnover, financial strength of the company and the key earnings drivers, net worth, Interest coverage ratio, profitability track record and the liquidity of the securities/instruments.

3. Issuer/Companies, which meet the initial selection norms, are then evaluated on the financial norms for consideration in the investments. The scheme would make investments universe based on the spread and liquidity, such that the Macaulay duration of the portfolio of the scheme is between 3 months to 6 months in case of Baroda Ultra Short Duration Fund, 6 months and 12 months in case of Baroda Treasury Advantage Fund and 1 year and 3 years in case of Baroda Short Term Bond Fund. (as defined below)

Macaulay duration is the weighted average term to maturity of the cash flows from an instrument. The weight of each cash flow is determined by dividing the present value of the cash flow by the price. Macaulay duration is a measure of interest rate sensitivity of a fixed income instrument. Higher the Macaulay duration, higher would be the interest rate risk.

Macaulay duration of a portfolio is the asset-weighted average of the Macaulay duration of individual bonds / securities in the portfolio. The table below illustrates the calculation of Macaulay duration of the portfolio.

Instrument Amount (Rs. in Crs.) % of Portfolio (a) Macaulay Duration (b) Weighted Average (a*b)

Instrument 1 25 25% 1 0.25

Instrument 2 25 25% 2 0.50

Instrument 3 25 25% 3 0.75

Instrument 4 25 25% 4 1

100 100% Macaulay Duration of Portfolio 2.50

Macaulay Duration - Calculation

Key Assumptions

a. Macaulay duration measures interest rate risk accurately only for instruments where cash flows do not change with change in the yield (i.e. for plain vanilla instruments and not for instruments with embedded options).

b. Macaulay duration assumes yield curve is flat and so cash flows are reinvested at constant YTM rate over the instrument’s period.

c. Macaulay duration does not consider the fact that duration does not remain constant and duration changes with level of YTM rates.

4. The scheme will emphasize on well managed, with above average growth prospects whose securities can be purchased at a good yield and whose debt securities will be mainly in securities listed as investments grade by a recognised authority like CRISIL, ICRA, CARE etc.

Where:

• t = respective time period, • C = periodic coupon payment , • y = periodic yield , • n = total number of periods, • M = maturity value, • Current Bond Price = Present value of cash flows

Macaulay Duration =Current Bond Pricet=1

t(1+y) n(1+y)+

t * C n * Mn

6

5. Investment in sovereign papers would be based on the interest rate expectations arising out of macroeconomic analysis. This includes analysis of inflation data, & trends in macro variables such as credit growth, liquidity, money supply, fiscal numbers & global interest.

6. The portfolio will be sufficiently diversified by investing in number of issuers/companies without any restriction of market capitalization across the industries so as to reduce the risk of a concentrated portfolio.

7. Baroda Short Term Bond Fund portfolio will be sufficiently diversified by investing in number of issuers/companies without any restriction of market capitalization across the industries so as to reduce the risk of a concentrated portfolio.

BLF and BCHF :

The key factors of the investment strategy of the Scheme are:

1. Identifying attractive opportunities on the basis of the government policies, economic development, monetary policy, research report and overall economic conditions and development.

2. The issuers/companies selection for investment exposure is based on financial parameters such as fundamentals of business, quality of management, turnover, financial strength of the company and the key earnings drivers, net worth, Interest coverage ratio, profitability track record and the liquidity of the securities/instruments.

3. Issuers/Companies, which meet the initial selection norms, are then evaluated on the financial norms for consideration in the investments. The Scheme will make investments universe based on the spread and liquidity, in such that the average maturity of the instruments in the Scheme will be in between one to three months.

4. The Scheme will emphasise on well managed, with above average growth prospects whose securities can be purchased at a good yield and whose debt securities will be mainly in securities listed as investments grade by a recognised authority like CRISIL, ICRA, CARE etc.

5. Investment in sovereign papers would be based on the interest rate expectations arising out of macroeconomic analysis. This includes analysis of inflation data, & trends in macro variables such as credit growth, liquidity, money supply, fiscal numbers & global interest.

BPGF :

The investment strategy of the Scheme is as follows :

1. The Scheme will predominantly invest in Central & State Government rated securities, as well as T-Bills.

2. Investments made by the Scheme would be in accordance with the features of the Scheme and provisions of SEBI Regulations. A view on the movement of interest rates will be taken on an ongoing basis, considering the impact of the developments on the macro-economic front and the demand and supply of funds.

BDBF:

1. The Scheme follows an active investment strategy structured in a manner that offers investors the benefit of a dynamic investment strategy through its duration management and asset allocation. The term “Dynamic” for the purpose of the Scheme may be defined as the flexibility to alter the duration of the portfolio, through the reallocation of its funds into different asset classes within fixed income, to allow investors to benefit from the prevailing interest rate scenario.

2. The Scheme because of its wide spectrum investment strategy allows its portfolio manager to deliver optimized returns by taking active investment calls on duration and asset allocation. The portfolio of the Scheme functions dynamically based on two parameters – duration reset & asset class switch.

BCRF:

The Scheme is an actively managed open-ended debt scheme that seeks to provide returns by investing in a portfolio consisting of money market and debt instruments, government securities and treasury bills. The fund management team would formulate a view on the credit quality, interest rate movement etc., by monitoring parameters linked to corporate performance, economy as well as developments in the global markets. The Scheme may assume moderately higher credit risk as compared to a scheme investing predominantly in AAA bonds / sovereign securities. The portfolio will be constructed in line with the benchmark and it would be endeavoured to actively manage the portfolio so that it is similar to various attributes of benchmark like average maturity, duration etc. Selective capital appreciation opportunities could be explored by extending credit and duration exposure above the benchmark. The key element of investment strategy is having the ability to analyze and price credit risk for short dated securities.

Please refer to the SID for detailed investment strategy.

Prudential Limits in Sector The AMC shall ensure that the total exposure of the Scheme in a particular sector (excluding investments in Bank CDs, Tri-Party Repo, G-Secs, T-Bills and AAA ratedsecurities issued by Public Financial Institutions and Public Sector Banks) does not exceed 25% of the net assets of the Scheme. The Scheme may have an additional exposure to financial services sector (over and above the existing 25%) not exceeding 15% of the net assets of the Scheme, by way of increase in exposure to Housing Finance Companies (“HFCs”) only, subject to the condition that such securities issued by HFCs are rated AA and above and these HFCs are registered with National Housing Bank (NHB). However, the total investment in HFCs cannot exceed 25% of the net assets of the Scheme. The total exposure in a particular group (excluding investments in securities issued by Public Sector Units, Public Financial Institutions and Public Sector Banks) shall not exceed 20% of the net assets of the Scheme. Such investment limit may be extended to 25% of the net assets of the Scheme with the prior approval of the Board of Trustee. For this purpose, a group means a group as defined under regulation 2 (mm) of the SEBI (Mutual Funds) Regulations, 1996 and shall include an entity, its subsidiaries, fellow subsidiaries, its holding company and its associates.

and Group Exposure:

7

Comparison of open-ended debt schemes of Baroda Mutual Fund

Scheme Name

Investment Objective

Type of Scheme

No. of Foliosas onDecember 31, 2018

AUM as on December31, 2018 ( in crs.)`

Baroda Treasury Advantage Fund

To provide optimal returns and liquidity through a portfolio comprising of debt a n d m o n e y m a r k e t instruments.

BarodaLiquid Fund

To gene ra te income with a high level of l i q u i d i t y b y investing in a p o r t f o l i o o f money market a n d d e b t securities.

Baroda Short Term Bond Fund

To generate income from a portfolio constituted of short term debt and money market securities.

An open-ended low duration debt scheme investing in instruments such that the Macaulay duration of the portfolio is between 6 months and 12 months (please refer SID)

An Open Ended Liquid Scheme

An open-ended short term debt scheme investing in instruments such that the Macaulay duration of the portfolio is between 1 year and 3 years (please refer SID).

7,380 2,7024,765

944.94 4,976.06 197.23

BarodaDynamic

Bond Fund

To generate returns with liquidity by managing the portfolio dynamically through interest rate cycles.

To generate income by investing in a p o r t f o l i o o f g o v e r n m e n t securities.

BarodaGILT Fund

Baroda Credit Risk Fund

(Earlier known as Baroda Pioneer

Credit Opport-unities Fund)

The primary objective of the Scheme is to generate returns by investing in debt and money market instruments across the credit spectrum. There is no assurance or guarantee that the investment objective of the Scheme will be realized.

Baroda Conservative Hybrid Fund

(Earlier known as Baroda Pioneer Monthly Income Plan (MIP) Fund)

To generate regular income through investment in debt a n d m o n e y m a r k e t instruments and also to generate long-term capital appreciation by investing a portion in equity and equity related instruments

An open-ended dynamic debt scheme investing across duration

An open ended debt scheme investing in g o v e r n m e n t secur i t ies across maturity

An open ended debt scheme predominantly investing in AA and below rated corporate bonds.

( Exc lud ing AA+ ra ted corporate bonds)

An open ended hybrid scheme invest ing pre-d o m i n a n t l y i n d e b t instruments

Baroda Ultra Short

Duration Fund

The primary objective of the scheme is to generate regular income by investing in a portfolio of debt and money market instruments such that the Macaulay duration of the portfolio is between 3 months - 6 months. (Please refer SID)

However, there can be no a s s u r a n c e t h a t t h e investment objective of the scheme will be realized.

An open ended ultra short term debt scheme investing in instruments such that the Macaulay duration of the portfolio is between 3 months and 6 months (Please refer SID)

5426,907 13,7581,939 497

10.8333.08 946.9020.07 329.60

stSECTORAL EXPOSURE OF THE DEBT SCHEMES OF BARODA MUTUAL FUND AS ON DECEMBER 31 , 2018

Sectors Baroda ConservativeHybrid Fund Risk Fund Bond Fund Gilt Fund Liquid Fund Bond Fund Advantage Fund Short Duration Fund

Automobile 0.99% - - - - - - -

Construction 0.86% 5.28% - - 5.52% - - -

Consumer Goods 3.56% - - - - - - -

Energy - 1.06% - - 4.14% 11.43% - 7.50%

Financial Services 7.35% 40.75% 17.22% - 46.06% 50.04% 64.52% 65.38%

Fixed Deposits - - - - 11.13% - - -

Government Securities 79.36% 1.53% 75.40% 80.59% - 6.53% - -

HealthCare Services - 9.77% - - - - 0.85% -

Industrial Manufacturing 1.24% - - - - - - -

IT 3.13% 7.88% - - 2.32% 7.64% 7.90% 3.03%

Media & Entertainment - 9.89% - - - 7.95% 8.26% 6.31%

Pharma 2.64% 8.59% - - - 2.53% 9.97% -

Services - 8.59% - - 3.57% 9.45% 4.85% -

State Development Loans - 0.35% - - - - - -

Telecom - - - - 5.50% - - -

Triparty Repo 0.53% 3.09% 5.95% 17.61% 21.67% 3.11% 0.40% 15.61%

CASH & CASH EQUIVALENT 0.35% 3.22% 1.43% 1.80% 0.09% 1.33% 3.26% 2.16%

Total 100% 100% 100% 100%

Baroda Credit Baroda Dynamic Baroda Baroda Baroda Short Term Baroda Treasury Baroda Ultra

100% 100% 100% 100%

Baroda Treasury Advantage Fund

Name of Instrument % to Net Assets

Indiabulls Housing Finance Ltd. 14.22

Dewan Housing Finance Corporation Ltd. 12.82

Piramal Enterprises Ltd. 9.97

ARM Infra & Utilities Private Ltd. 8.26

Cyquator Media Services Private Ltd. 7.90

IndusInd Bank Ltd. 5.75

Manappuram Finance Ltd. 4.98

Edelweiss Commodities Services Ltd. 4.85

Yes Bank Ltd. 4.81

Axis Bank Ltd. 4.70

Baroda Conservative Hybrid Fund

Name of Instrument % to Net Assets

Government of India Securities 79.36

HDFC Bank Ltd. 2.11

ICICI Bank Ltd. 1.26

Axis Bank Ltd. 1.24

ITC Ltd. 1.12

Larsen & Toubro Infotech Ltd. 1.12

Baroda GILT Fund

Name of Instrument % to Net Assets

Government of India Securities 72.60

State Government Securities 7.99

Baroda Dynamic Bond Fund

Name of Instrument % to Net Assets

Government of India Securities 75.40

Dewan Housing Finance Corporation Ltd. 17.22

Baroda Credit Risk Fund

Name of Instrument % to Net Assets

ARM Infra & Utilities Private Ltd. 9.89

Apollo Hospitals Enterprise Ltd. 9.77

Piramal Enterprises Ltd. 8.59

Edelweiss Commodities Services Ltd. 8.58

Cyquator Media Services Private Ltd. 7.88

Aspire Home Finance Corporation Ltd. 6.86

Tanglin Developments Ltd. 5.28

IndusInd Bank Ltd. 4.83

IIFL Wealth Finance Ltd. 4.72

Dewan Housing Finance Corporation Ltd. 3.84

CHECKLIST OF DOCUMENTS TO BE ENCLOSED WITH APPLICATION FORM (AS APPLICABLE, REFER INSTRUCTIONS)

* Non-resident are not required to obtain Aadhaar.

# Copy of SEBI registration certificate should be provided.

^ Aadhaar for Non Individual - Consent of Individual Authorized Signatories should be provided in the specific format only. The mandatory requirement to submit the Aadhaar details/ documents by existing as well as new investors has been deferred till further notice.

Company /Body

CorporatesTrusts Societies

PartnershipFirms

HUF NRI / Individual #FPIs

Investment Through

Const. AttorneyProprietorDocuments

Sr. No.

1. Certificate of Incorporation / Registration

2. Resolution / Authorization to invest

3. Authorized Signatory List

4. MoA & AoA

5. Trust Deed

6. Bye Laws

7. Partnership Deed / Deed of Declaration

8. Notarized Power of Attomey

9. Account Debit Certificate in case of payment is made by DD from NRE / FCNR A/C where applicable

10. PAN Proof

11. KYC Acknowledgment

13. DD Declaration

Latest Bank Passbook/ Bank Account Statement/ Cancelled Cheque 12.

14 FACTA / CRS

15 UBO Declaration

16 Aadhaar No.^ *

The Schemes' top 10 portfolio holdings as on December 31, 2018 are given below. Investors may refer to the website of the AMC (www.barodamf.com) to obtain the latest monthly portfolio of the Schemes.

Baroda Short Term Bond Fund

Name of Instrument % to Net Assets

Manappuram Finance Ltd. 11.74

Reliance Industries Ltd. 11.43

IIFL Wealth Finance Ltd. 9.67

Edelweiss Commodities Services Ltd. 9.45

ARM Infra & Utilities Private Ltd. 7.95

Cyquator Media Services Private Ltd. 7.64

PNB Housing Finance Ltd. 7.01

Government of India Securities 6.53

Edelweiss Asset Reconstruction Company Ltd. 5.09

Indiabulls Housing Finance Ltd. 5.07

Baroda Ultra Short Duration Fund

Name of Instrument % to Net Assets

IIndiabulls Housing Finance Ltd. 7.55

Housing Development Finance Corporation Ltd. 7.52

India Infoline Finance Ltd. 7.50

Reliance Industries Ltd. 7.50

IndusInd Bank Ltd. 7.50

HDFC Bank Ltd. 7.49

Export-Import Bank of India 7.48

Axis Bank Ltd. 7.32

ARM Infra & Utilities Private Ltd. 6.31

L&T Finance Ltd. 4.38

8

Baroda Liquid Fund

Name of Instrument % to Net Assets

IndusInd Bank Ltd. 7.32

National Bank for Agriculture and 5.54Rural Development

Reliance Jio Infocomm Ltd. 5.49

Capital First Ltd. 5.48

Vijaya Bank 5.49

Capital First Home Finance Ltd. 5.48

Larsen & Toubro Ltd. 4.60

Indian Bank 4.59

Equitas Small Finance Bank Ltd. 3.71

RBL Bank Ltd. 3.71

I. GENERAL INSTRUCTIONS :1. Please read the Combined Scheme Information Document Equity (“SID”), Statement of Additional

Information (“SAI”) and Key Information Memorandum (“KIM”), containing the terms of offer, carefully, before investing.It must be understood clearly that you are deemed to have accepted the terms, subject to which this offer is being made and bind yourself to the terms upon signing the Application Form and tendering payment.

2. Please fill up the Application Form in English in BLOCK LETTERS, using black or dark blue ink. 3. Please strike out any section of the Application Form that is not applicable to you. Wherever tick boxes

have been provided in the Application Form, please tick the appropriate box, as applicable to you. Please ensure that correction/cancellation of any of the mandatory information is countersigned by all applicants.

4. Please ensure that you provide all requisite details and all supporting documents, as applicable to you.5. Please note that Application Forms (i) which are incomplete, or (ii) which have any over writing on any

field without the counter signature of all applicants, or (iii) which are invalid/ambiguous/not accompanied by necessary supporting documents, or (iv) not accompanied by a payment instrument or an account-to-account transfer instruction for the amount payable, or (v) which the Trustee to Baroda Mutual Fund (“Fund”) may choose to reject for any other reason determined at its sole discretion, are liable to be rejected. In such an event, the money paid will be refunded/returned to the applicant concerned, without interest. Refund under such circumstances will be made by cheques or pay order drawn on the Bankers of the Fund.

6. Applicants who have an existing folio number with the Fund are requested to mention that in the earmarked space.

II. APPLICANTS’ INFORMATION :1. Please mention your name in full, without any abbreviation. Write your name exactly as it appears in

your Aadhaar Card, or in the incorporation document, as the case may be. In case units are applied for in electronic mode (demat mode), please write your name exactly in the same manner as it appears in the records of the depository.

2. If the investment is on behalf of a minor, please keep the following points in mind while filling up the Application Form:• The minor shall be the sole holder in the account (joint holding is not permissible) and nomination

facility shall not be available. Details of joint holders and nomination, even if mentioned, will not be considered.

• The guardian of the minor shall be a natural guardian (i.e. father or mother) or a court appointed legal guardian.

• Details such as the minor’s name and date of birth, guardian’s relationship with the minor, guardian’s name, PAN and KYC etc. are mandatory, along with supporting documents. Photo copy of a document evidencing the date of birth of minor such as birth certificate or school leaving certificate or passport or any other suitable proof should be enclosed with the Application Form.

• Where the guardian is a court appointed legal guardian, suitable supporting documentary evidence should be provided.

• If the mandatory details and/or documents are not provided, the application is liable to be rejected.3. In case of payment by cheque/demand draft, please write the Applicant's name and the Application

Serial Number on the reverse of the cheque/ demand draft.4. Please mention the Pin Code in the Address column. In case the PIN Code is not mentioned, all

correspondence will be sent by registered / ordinary post.5. All communication and/or payments will be made to the sole/first applicant.6. 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. For HUFs, the Karta should sign on behalf of the HUF. For partnership firms, a partner should sign on behalf of the firm. Similarly, for an Association of Persons or a company, the Application Form must be signed by the Authorised Signatory/Signatories, as applicable.

7. Only individual(s) can make nomination. Please refer Instruction VII for further details regarding nomination.

8. Where units are held in the names of two or three persons, such persons shall be deemed to hold the units on a first holder basis. In case of HUF/ Partnership Firm/AoP/Company etc., no joint holding will be considered. All tax exemptions can be availed of only by the first holder, in case of additional holdings. Please note that if you do not mention the mode of holding in the Application Form, it will be deemed to be “joint”.

9. In case of applications under a Power of Attorney (“PoA”) or by a limited company or by a body corporate or Eligible Institution or a registered society or a trust or a fund, the original PoA or a certified true copy thereof, duly notarized, and the relevant resolution or authority to make the application, as the case may be, including authority granted in favour of the officials signing the Application Form and their specimen signature or duly certified true copies thereof, along with a certified true copy of the Memorandum and Articles of Association and/or bye-laws and/or trust deed and/or partnership deed as well as the certificate of registration, must be lodged at the office of the Registrar, quoting the serial number of the Application Form simultaneously with the submission of the Application Form, failing which the said Form is liable to be rejected.

10. Any application without broker code will be treated as a ‘Direct Investment’.11. Any subsequent changes in static information such as address, bank details, sub-option etc. will be

based on written communication from investors. These changes will be effected within 5 days of the valid signed request reaching the office of the Registrar Karvy Fintech Private Limited ("Registrar") at Hyderabad, and any interim financial transactions will be effected with last available/registered details only.

12. All allotments will be provisional, subject to realisation of payment instrument and subject to Baroda Asset Management India Limited (“AMC”) having been reasonably satisfied that the Fund has received clear funds. Any redemption or switch-out transaction in the interim is liable to be rejected at the sole discretion of the AMC.

III. BANK ACCOUNT DETAILS :1. SEBI regulations have made it mandatory for applicants/investors to mention their bank account

numbers in their purchase applications/requests for redemptions. Please provide the full particulars of the Bank Account of the sole/first applicant, such as nature of Account, Account Number, 9 digit MICR Code Number (for Electronic Credit Facility), branch address of the bank etc. in the appropriate space in the application Application Form. Please provide the MICR code / IFSC code to help you in future for ECS / NEFT credit of dividends & redemption payouts. Please attach a copy of a cancelled cheque leaf. Application forms (and redemption requests) without the mandatory bank details are liable to be rejected.

2. Redemption proceeds and dividends will be (i) despatched by a reasonable mode of despatch such as courier, registered post, ordinary post/UCP etc. in case the payment is made by cheque/ demand draft or (ii) directly credited to the first applicant/holder’s Bank Account (as per the details mentioned by the

investor) in case the applicant(s) avail of the direct credit facility, RTGS or NEFT, and this shall be entirely and solely at the risk of the applicant(s).The applicant(s) will not hold the Fund or the AMC or the Registrar or the Trustee to the Fund responsible for any non-receipt or delay of receipt of redemption proceeds or dividends due to any negligence or deficiency in service by the courier company, postal authorities or the bank executing the direct credit/RTGS/NEFT, or due to incorrect bank account details provided by the applicant(s).

3. Multiple Bank Accounts Registration Facility and Updation of Bank Accounts :• The Fund offers its investors the facility to register multiple bank accounts for pay-ins &pay-outs

and designate one such registered bank account as “Default Bank Account”. Individuals, HUFs and sole proprietary firms can register upto five bank accounts and a non-individual investor can register upto ten bank accounts in a folio. You may avail of this facility by using the “Multiple Bank Accounts Registration Form”, available at ISCs and on the website of the AMC, www.barodamf.com. You may update the bank accounts in your account/folio at any time either through the aforesaid Multiple Bank Accounts Registration Form or through a standalone separate Change of Bank Mandate form. You may download the multiple Bank Form from our website www.barodamf.com.

• If no “Default Bank Account” is specified, the AMC reserves the right to designate any of the bank accounts as the ‘Default Bank Account’. Default Bank Account will be used for all dividend payouts and redemption payouts, if no other registered bank account is specified in the redemption request for receiving redemption proceeds, or if a new unregistered bank account is specified in the redemption request for receiving redemption proceeds.

• New bank accounts/change of bank mandate can be registered using the Multiple Bank Accounts Registration Form or through a standalone separate Change of Bank Mandate form, as mentioned earlier. In case a Unit holder provides a new and unregistered bank mandate or a change of bank mandate request along with a specific redemption/dividend payment request (with or without necessary supporting documents), such bank account will not be considered for payment of redemption/dividend proceeds. The Proceeds of such a redemption/dividend payment request will be sent only to the bank account that is already registered and validated in the folio at the time of processing of the transaction. Please note that any payments to any unregistered bank account or a new bank account forming part of redemption request shall not be entertained or processed.

• For any request for change of bank mandate/registering a new Bank account using the Multiple Bank Accounts Registration Form or a standalone Change of Bank Mandate form, please enclose, in respect of the new Bank Account:• An original cancelled cheque leaf of the new Bank account, with the first applicant's / unit

holder's name and Bank account number printed on the face of the cheque OR• An original cancelled cheque of the New Bank Account without printed name AND Bank

Account number and one of the following:• A latest original Bank statement;• The original Bank passbook with current entries not older than 3 months;• An original letter duly signed by the branch manager/authorized personnel of the Bank.

If photocopy of any document is submitted, the copy should be certified by the Bank, or the original should be produced for verification.In addition to the above, the AMC may require, in respect of the existing bank mandate which is undergoing a change on account of registering the new bank account, any one of the following documents:• An original cancelled cheque with the first unit holder’s name and bank account number

printed on the face of the cheque;• A latest original copy of bank statement/passbook (if photocopy is submitted, it has to be

certified by the Bank, or the original has to be produced for verification);• Original letter issued by the bank on the letterhead, confirming the bank account holder with

the account details, duly signed and stamped by the branch manager or • In case the bank account is already closed, a duly signed and stamped original letter from such

bank on the letter head of bank, confirming the closure of the account.Please note that any request without the necessary documents will be treated as invalid and will not be acted upon, and any financial transaction, including redemption, will be carried out with the previously registered details only.

• Valid change of bank mandate requests with supporting documents will be processed within ten days of the documents reaching the head office of the Registrar, and any financial transaction request received in the interim will be carried out based on the previously registered details. Please note that a new unregistered bank account specified in any redemption request for receiving redemption proceeds will not be considered.

• If you are a first-time investor, the bank account mentioned in the Application Form will be treated as the default bank account, unless a separate request (Multiple Bank Accounts Registration Form) to register multiple bank accounts and to use any one of those registered bank accounts as the default bank account is submitted by the investor.

• Registered bank accounts may also be used for verification of pay-ins (i.e. receiving subscription funds) to ensure that a third-party payment instrument is not used for subscription. The default bank account will be used for all dividend and redemption payouts, unless the Unit holder(s) specifies/specify one of the existing registered bank accounts in the redemption request for receiving redemption proceeds. However, in case Unit holder(s) does/do not specify the default account, the Fund reserves the right to designate any of the registered bank accounts as the default bank account.

4. If you opt to hold units in demat mode, please provide bank account details linked with your demat account. In case of any discrepancy, the details as per the depository will prevail.

IV. KNOW YOUR CUSTOMER (KYC) AND PERMANENT ACCOUNT NUMBER (PAN) COMPLIANCE :1. PAN :• SEBI has made it mandatory for all applicants (in the case of application in joint names, each of the

applicants) to mention their PAN, irrespective of the amount of purchase. • Where the applicant is a minor and does a not possess his / her own PAN, he / she shall quote the PAN of

his/ her father or mother or the court appointed legal guardian, as the case may be. • In order that the AMC/Registrar may verify that the PAN of the applicants (in case of application in joint

names, each of the applicants) has been correctly quoted in the Application Form, please attach along with the Application Form, a photocopy of the PAN card self-certified, or provide the original PAN Card for verification. The original PAN Card will be returned immediately across the counter after verification.

• Applications (i) by investors residing in the state of Sikkim, (ii) by officials appointed by courts such as official liquidator, court receiver etc. and (iii) for subscription by the Central Government and/or a State Government are exempt from the mandatory requirement of PAN, however sufficient documentary evidence shall have to be submitted to enable verification that they are residents of the state of Sikkim. Investors (being individuals) applying for Micro SIP registrations are exempt from mandatory

INSTRUCTIONS FOR FILLING UP THE APPLICATION FORM

requirement of PAN submission. Such set of customers, however, need to complete the necessary KYC requirements, and get a unique reference number from the KRA’s system called PAN Exempt KYC Reference No. (PEKRN).A copy of the KRA issuance letter containing PEKRN should be attached with each application/ transaction.

• In the event of any Application Form being subsequently rejected for mismatch of applicant's PAN details with the details on the website of the Income Tax Department, the investment transaction will be cancelled and the amount may be redeemed at the applicable NAV, subject to levy of exit load, if any. Please contact any of the Investor Service Centres / Registrar / Distributors or visit our website, www.barodamf.com, for further details.

2. KYC :• To simplify KYC norms and make them more investor friendly and uniform across all intermediaries

registered with SEBI, SEBI has recently laid down certain changes in the KYC process. The primary objective behind this is to eliminate duplication of KYC across intermediaries in the securities market. For this purpose, KYC registration is being centralized through KYC Registration Agencies (“KRA”) registered with SEBI. Thus, each investor has to undergo a uniform KYC process only once in the securities market and the details would be shared with other intermediaries by the KRAs. CDSL Ventures Ltd. (“CVL”), who was retained by mutual funds for centralized registration and record keeping of KYC records, has obtained SEBI registration as a KRA. Further, SEBI has mandated an In Person Verification (“IPV”) of clients to be carried out as part of KYC. IPV shall be a one-time process, and once it is carried out by an intermediary, may be relied upon by other intermediaries also. For mutual funds, IPV may be carried out by the AMC or by the Registrar, or by Know Your Distributor (“KYD”) compliant distributors who hold valid certifications issued by the National Institute of Securities Market (“NISM”)/ Association of Mutual Funds in India (“AMFI”) for their own clients or by Scheduled Commercial Banks (SCB).

• Under the new uniform KYC norms, the following shall be applicable for investing in the Scheme under this KIM :1. For New Investors who are not KYC compliant under the erstwhile or new KYC norms:

a. KYC Application Form to be used, which is attached along with the application.b. IPV/ Document verification to be done by the Registrar/AMC/KYD compliant distributors/SCBs.c. Acknowledgement to be issued to the investor to facilitate subsequent investments from the

investor.d. KYC application and necessary documents should either come along with a financial

transaction or when the account is opened. This is in line with demat and bank account opening process.

2. For New Investors who have already done their KYC with any other SEBI registered intermediary under the new KYC norms: a. Such KYC compliant investors would not be required to do KYC again.

3. For Existing Investors in the MF Industry: They will not be required to do KYC again.• Investors who have completed their Centralised KYC (CKYC) and have obtained KYC Identification

Number (KIN) from the Central KYC Records Registry (CKYCR), may quote their KIN while investing. • KYC compliance with a KRA and enclosing the KYC Acknowledgement along with the Application Form

are mandatory for all investors, including individuals, non-individuals, NRIs and channel investors, irrespective of the amount of application/value of transaction. Applicants applying for units through a PoA must ensure that the KYC Acknowledgement of both the issuer of the PoA and the holder of the PoAare enclosed along with the Application Form. The KYC Acknowledgement referred above will be issued by the KRA when an investor submits to the KRA, a KYC application and the prescribed documents. This KYC Acknowledgement is issued by the KRA as a token of having verified the identity and address of the investor(s) and for efficient retrieval of records.

• KYC status will be validated with the records of the KRA before allotting units. The Fund/AMC will not be held responsible and /or liable for rejection of KYC Form by the KRA. Where it is not possible to verify the KYC compliance status of the investor at the time of allotment of units, the Registrar/AMC/Trustee shall verify the KYC compliance status of the investor within a reasonable time after the allotment of units. In the event of non-compliance of KYC requirements, the Trustee / AMC reserves the right to freeze the folio of the investor(s) and effect mandatory redemption of unit holdings of the investors at the applicable NAV, subject to levy of exit load, if any. In case of an investor applying for CKYC effective February 1, 2017, if there is a mismatch in the name appearing in the CKYC application form and the one mentioned in the Proof of Identity (POI) document, CERSAI will reject the CKYC application. Investors are, therefore, advised to ensure that their names appearing in the CKYC application form and in the POI document are same.

• Please note that you need to comply with the KYC requirements by submitting requisite documents to the Registrar/AMC/Fund or any SEBI registered KRA and attaching the KYC Acknowledgement with the Application Form. For more information, please log on to www.cvlindia.com / www.amfiindia.com, before investing.

Applications are liable to be rejected if KYC requirements are not complied with by all the applicants, and if KYC acknowledgement is not enclosed with the Application Form.Please note that KYC applicability norms for various investor categories may change anytime in future. Hence, with a view to avoiding rejections, investors are requested to apprise themselves about KYC applicability before submitting their transactions.

V. INTIMATION TO INVESTORS :Please note the following with respect to intimation to investors / unit holders regarding change of any request / rejection of such request:• For any change or rejection of any request such as bank mandate, address etc., you may be intimated

by way of letters or, if registered with the AMC/Fund, by way of emails and/or SMS.• On receipt of any request for change of address or bank accounts, the AMC/Registrar will carry out

necessary changes in the records, and send you an intimation letter to your old and new addresses, besides an intimation via e-mail and/or sms, if registered with the AMC/Fund.

• In case your request for change of address is rejected of due to any reason such as signature difference, the rejection intimation letter shall be sent to your old and new addresses, as well as via email and/or sms, if registered with the AMC/Fund.

• In case you have submitted a request for change of email ID or mobile number, the change intimation will be sent to your old and new email IDs and/or mobile numbers.

VI. INVESTMENT DETAILS AND PAYMENT PROCEDURE :1. Please mention the Option (Dividend/Growth) and Sub-Option (Payout/Reinvestment) you would like to

invest in. In case you do not mention the Option, Growth Option will be deemed to be the default Option and units will be allotted to you under this Option. In case you chose Dividend Option, but do not specify the Sub-Option, Reinvestment will be deemed to be the default Sub-Option and units will be allotted to you under this Sub-Option. In Baroda ELSS '96, only Dividend Payout option is available and units will be subject to a lock-in of 3 years from date of allotment.

2. Payment may be made by MICR cheque/ DD drawn on/made payable at all such places where Investor Service Centers (“ISC”) are located and mailed to the nearest ISC. The Cheque/ DD must be drawn in

the name of the scheme and crossed "ACCOUNT PAYEE & NOT NEGOTIABLE". Further, in order to avoid fraud and prevent misuse of payment instruments, investors are advised to draw payment instrument (i.e. cheque, demand draft, pay order etc.) favouring either name of scheme - <Name of the First Investor>” or name of scheme - <Permanent Account Number of the First investor>” or name of scheme - <Folio number>”.

3. In case of subscription by NRIs/ FIIs, in case the payment is made through Indian Rupee drafts purchased abroad or from FCNR or NRE Accounts, an Account Debit Certificate from the bank issuing the draft, confirming the debit should be submitted. For subscription made through NRE/ FCNR account cheques, the Application For must be accompanied by a photocopy of the cheque or Account Debit letter/Certificate from the banker.

4. Overseas Corporate Bodies, i.e. firms & societies which are held directly or indirectly but ultimately to the extent of at least 60% by NRIs & trusts, in which at least 60% of the beneficial interest is similarly held irrevocably by such persons, shall not be allowed to invest in the Scheme.

5. Subscription by Multilateral Funding Agencies, on full repatriation basis, is subject to approval by the Foreign Investment Promotion Board.

6. Application Form (duly completed), along with a cheque (drawn on the nearest ISC/ transaction acceptance centre)/ DD (payable at the nearest ISC / transaction acceptance centre) may be sent by mail directly to the nearest ISC / transaction acceptance centre, or DD payable at Hyderabad may be sent to the Registrar, viz. Karvy Fintech Private Limited, Karvy Selenium Tower B, Plot number 31 & 32, Financial District, Nanakramguda, Serilingampally Mandal, Hyderabad - 500032. If there is no Authorised Investor Service Centre where you reside, you may purchase a DD from any other Bank in favour of the scheme & crossed "A/c Payee & Not Negotiable". If you reside/ are located in a city/town where the AMC does not have an Official Acceptance Point, please draw a DD payable at your nearest city/town where the AMC has have a Transaction Acceptance Point, after deducting bank charges / commission (not exceeding the charges prescribed by State Bank of India) from the amount of investment.

7. Please note the following points before submitting the Application Form at any of the collection centres.i) Stock invests, outstation cheques, post-dated cheques, post-dated account-to-account transfer

instructions, money orders and postal orders will not be accepted and Application Forms accompanied by such payment instruments are liable to be rejected.

ii) Cheques once returned in clearing will not be presented again, and the accompanying Application Form may not be considered for allotment.

8. The right to accept or reject any application in whole or in part lies with the Trustee to the Fund.9. Third Party Payments -

• A payment towards subscription by cheque/demand draft/RTGS/NEFT or any mode whatsoever is regarded as a ‘Third Party’ payment, if the payment is issued from a bank account other than that of the beneficiary investor. In order to safeguard the interests of applicants and avoid fraudulent transactions in any other name, the Fund does not generally accept Third Party Payments. The first applicant has to be one of the joint holders of the bank account from which the payment is made via cheque/ demand draft/Funds transfer/RTGS/NEFT. Therefore, please mention the bank account number, bank name & branch address from where the payment is issued and ensure that they match with details on the payment instrument, where applicable.

• Where the payment instrument does not mention the bank account holder’s name(s), please attach bank pass book copy/bank statement (showing the account number, account holder’s name and address)/bank letter (mentioning details like bank account number, branch address, account type etc.), with a view to substantiating that the first applicant is one of the joint holders of the bank account concerned. Where a payment is made using a demand draft, please attach, in the required format, which can be downloaded from our website, www.barodamf.com, a bank certification of the bank account and account holders’ name(s) of the bank account used for the demand draft issuance.

• In case of RTGS, NEFT, ECS, bank transfer etc., please submit an acknowledged copy of the instruction to the bank stating the account number to be debited.

• Demand draft, pay order, banker’s cheque purchased against cash of ̀ 50,000/- or more will not be accepted. Such purchase applications (for amounts less than ` 50,000/-) should be accompanied by a banker’s certificate, stating the investor’s name, bank account number and PAN, as per the bank record.

• In specific and exceptional situations where Third Party payments are permitted, such as (i) payment by parents / grand parents / related persons* on behalf of a minor (other than by a registered guardian) in consideration of natural love and affection or as gift for value not exceeding ` 50,000 for each purchase or (ii) payment by a custodian on behalf of an FII or a client, and (iii) payment by an employer on behalf of employees, KYC of the investor and KYC of the person making the payment are both mandatory, irrespective of the amount. Additionally, a joint declaration is also required to be submitted. *‘Related Person’ means any person investing on behalf of a minor in consideration of natural love and affection or as a gift.

• The AMC reserves the right to reject the Application Form, or call for additional details, if the payment bank account and other details are not mentioned on the Application Form and/or do not match with the payment instrument and/or necessary documents and declaration, as applicable to respective investors and transactions, are not attached or are insufficient. In case the funds are transferred to the Scheme account prior to the rejection of the Application Form, the amount transferred may not be refunded or redeemed unless the investor establishes KYC with additional documentation.

• Investors are advised to visit www.barodamf.com for more details, including the formats.10. Please note that:

(i) Plan A is meant for investors who route their investments through distributors only (please note that all investors of the Schemes as on December 31, 2012 are, from January 01, 2013, regarded as investors of Plan A).

(ii) Plan B (Direct) is meant for direct investments, i.e. for investors who purchase/subscribe to the units of the Scheme directly with the Fund, and is not available for investors who route their investments through a Distributor. Both Plans will have a common portfolio, but Plan B (Direct) will have a lower expense on account of absence of brokerage and commission. Hence both plans will have distinct NAVs. Also, the Options / Sub-Options presently offered under each Scheme, i.e. under Plan A, will also be available for subscription under Plan B (Direct).

VII. NOMINATION :1. Nomination is mandatory where the mode of holding is single. Hence, Application Forms for sole

applicants, without nomination, are liable to be rejected. Nomination can be made only by individuals applying for/holding units on their own behalf singly. Even those investors who do not wish to nominate must sign separately confirming their intention to not nominate. Where the mode of holding is joint, nomination is not mandatory; however a separate declaration indicating the wish not to nominate shall be given.

INSTRUCTIONS FOR FILLING UP THE APPLICATION FORM (CONTD.)

INSTRUCTIONS FOR FILLING UP THE APPLICATION FORM (CONTD.)

2. Nomination shall not be permitted if the investment is on behalf of a minor. However, minors can be nominated and in that event, the name, address & signature of the guardian of the minor nominee(s) shall be provided by the applicant.

3. The Nominee shall not be a trust, society, body corporate, partnerships firm, member of Hindu Undivided Family or a Power of Attorney holder. A nonresident Indian can be a nominee, subject to the policy of exchange control for the time being in force.

4. Nomination in respect of the units stands rescinded upon transfer / transmission / switch-over of units.5. Transfer of units in favour of Nominee(s) shall be valid discharge by the AMC against the legal heirs,

executors, administrators, etc.6. Cancellation of nomination can be made only by those individuals who hold units in their own name,

either solely or jointly, and who have originally made the nomination.7. On cancellation of nomination, the nomination shall stand rescinded and the AMC shall not be under

any obligation to transfer the units in favour of the nominee(s).8. The rights in the units will vest in the nominee(s) only upon the death of all Unit Holders.9. Nomination can be made in favour of a maximum of three nominees. In case of multiple nominees, the

percentage of the allocation/share should be in whole numbers (without any decimals), making a total of 100%.In the event of the applicants not indicating the percentage of allocation/share for each of the nominees, the AMC, by invoking the default option, will settle the claim equally amongst all the nominees.

10. Nomination will maintained at the folio / account level and will be applicable for all investments in that folio or account.

11. Where a folio has joint holders, all joint holders shall sign the request for nomination, even if the mode of holding is not “joint”.

VIII. TRANSACTION CHARGE : The following transaction charges shall be applicable:(i) Nil on subscription amounts of less than ̀ 10,000/-;(ii) ` 100/- on every subscription of ̀ 10,000/- and above for an existing investor in mutual funds;(iii) ` 150/-* on a subscription of `10,000/- and above for an investor investing in mutual funds for the

first time.(iv) For SIP, transaction charges will be recovered in 4 installments*In the case of any applicable transaction, where the AMC/Fund/Registrar is unable to identify whether the investor concerned is a first-time investor in mutual funds, ̀ 100/- will be charged as transaction charge.The transaction charges referred to in (ii) and (iii) above will be payable only for transactions done through a distributor who has opted to receive the transaction charge.

IX. EMPLOYEE UNIQUE IDENTIFICATION NUMBER : SEBI circular dated September 13, 2012 has directed AMCs to capture in the Application Form, in addition to the AMFI Registration Number (ARN) of the distributor, the Unique Identity Number (EUIN) of the employee/relationship manager/sales person of the distributor who has interacted with the investor concerned for the sale of the relevant mutual fund scheme. It is mandatory to mention the EUIN in the box provided for this in the Application Form, particularly in advisory transactions, as the EUIN will assist in tackling issues relating to mis-selling even if the employee/relationship manager/sales person leaves the employment of the distributor.

X. REDEMPTION / DIVIDEND / REFUND PAYOUTS : Baroda Mutual Fund shall credit redemption proceeds /dividend / refund payout into the investor’s account electronically, in case the IFSC Code /MICR code has been provided by the investor. An investor who purchases units through a broker / clearing member in electronic mode will receive units in his/her/its account through his/her/its broker / clearing member’s pool account. The AMC will credit the units to the broker / clearing member's pool account, and they in turn will credit the units to the investor's account. Credit of units to the broker / clearing member's pool account by the AMC shall discharge the AMC of its obligation of allotment of units to the investor. In case of Bank / Broker / Clearing Member not crediting the investors bank account with /without assigning any reason for it or if the transaction is delayed or not effected at all for reasons of incomplete or incorrect information, the investor shall not hold Baroda Mutual Fund responsible. In case the account number furnished by the investor is found incorrect, the investor shall not hold Baroda Mutual Fund responsible for the credit going to the wrong account. Further, Baroda Mutual Fund reserves the right to issue a demand draft /payable at par cheque, in case it is not possible to make payment by NEFT /ECS.

XI. COMPLIANCE UNDER FOREIGN ACCOUNT TAX COMPLIANCE ACT (FATCA) : As mentioned by SEBI in its circular no. CIR/MIRSD/2/2014 dated Aug 26, 2015, India and the United States of America (“USA”) have signed an agreement on July 9, 2015, on the terms of an Inter-Governmental Agreement (“IGA”) to implement Foreign Accounts Tax Compliance Act (“FATCA”). Further, the Organization of Economic Development (“OECD”) along with G-20 countries has released a ‘Standard for Automatic Exchange of Financial Account Information in Tax Matters’ commonly known as Common Reporting Standard (‘CRS’). India is signatory to the Multilateral Competent Authority Agreement (“MCAA”) for the purposes of CRS.The AMC / Mutual Fund is classified as “Foreign Financial Institution” under the FATCA provisions. The intention of FATCA is that the details of U.S. investors holding assets outside the U.S. will be reported by financial institutions to the United States Internal Revenue Service (IRS), as a safeguard against U.S. tax evasion. As a result of FATCA, and to discourage non-U.S. financial institutions from staying outside this regime, financial institutions that do not enter and comply with the regime will be subject to a 30% withholding tax with respect to certain U.S. source income. Under the FATCA regime, this withholding tax applies to payments that constitute interest, dividends and other types of income from the US sources. The AMC/Mutual Fund would be required to collect relevant information(s) from the investors towards FATCA / CRS compliance and report information on the holdings or investment to the relevant authorities as per the stipulated timelines.Details under FATCA & CRS: The Central Board of Direct Taxes has notified Rules 114F to 114H, as part of the Income- tax Rules, 1962, which Rules require Indian financial institutions such as Investment Entities to seek additional personal, tax and beneficial owner information and certain certifications and documentation from all our account holders. In relevant cases, information will have to be reported to tax authorities / appointed agencies. Towards compliance, we may also be required to provide information to any institutions such as withholding agents for the purpose of ensuring appropriate withholding from the account or any proceeds in relation thereto.Should there be any change in any information provided by you, please ensure you advise us promptly, i.e., within 30 days.Please note that you may receive more than one request for information if you have multiple relationships with Baroda Mutual Fund or its group entities. Therefore, it is important that you respond to our request, even if you believe you have already supplied any previously requested information.If you have any questions about your tax residency, please contact your tax advisor. If you are a US citizen or resident or greencard holder, please include United States in the foreign country information field along with your US Tax Identification Number.

$It is mandatory to supply a TIN or functional equivalent if the country in which you are tax resident issues such identifiers. If no TIN is yet available or has not yet been issued, please provide an explanation and attach this to the form.In case customer has the following Indicia pertaining to a foreign country and yet declares self to be non-tax resident in the respective country, customer to provide relevant Curing Documents as mentioned below:FATCA & CRS Indicia observed (ticked)Documentation required for Cure of FATCA/ CRS indiciaU.S. place of birth1. Self-certification that the account holder is neither a citizen of United States of America nor a resident

for tax purposes;2. Non-US passport or any non-US government issued document evidencing nationality or citizenship

(refer list below);AND3. Any one of the following documents:

Certified Copy of “Certificate of Loss of Nationality”.or Reasonable explanation of why the customer does not have such a certificate despite renouncing US citizenship;or Reason the customer did not obtain U.S. citizenship at birth.

Residence/mailing address in a country other than India1. Self-certification that the account holder is neither a citizen of United States of America nor a tax

resident of any country other than India; and2. Documentary evidence (refer list below).Telephone number in a country other than IndiaIf no Indian telephone number is provided1. Self-certification that the account holder is neither a citizen of United States of America nor a tax

resident of any country other than India; and2. Documentary evidence (refer list below).If Indian telephone number is provided along with a foreign country telephone number1. Self-certification that the account holder is neither a citizen of United States of America nor a tax

resident for tax purposes of any country other than India; OR2. Documentary evidence (refer list below).Telephone number in a country other than India1. Self-certification that the account holder is neither a citizen of United States of America nor a tax

resident of any country other than India; and2. Documentary evidence (refer list below).List of acceptable documentary evidence needed to establish the residence(s) for tax purposes:1. Certificate of residence issued by an authorized government body*.2. Valid identification issued by an authorized government body* (e.g. Passport, National Identity card,

etc.).* Government or agency thereof or a municipality of the country or territory in which the payee claims to be a resident.Applicants are required to refer to the information on FATCA contained in the application form. Signing up of declaration or filling up of indicia, as applicable, is mandatory, in the absence of which, the applications are liable to be rejected.

XII. AADHAARThe Ministry of Finance (Department of Revenue) in consultation with the Reserve Bank of India has made certain amendments to the Prevention of Money Laundering (Maintenance of Records) Rules, 2005, namely, the Prevention of Money Laundering (Maintenance of Records) Second Amendment Rules, 2017 (“Amended Rules”), effective June 1, 2017, which inter alia make it mandatory for investors to submit their Aadhaar number issued by the Unique Identification Authority of India (UIDAI) and other prescribed details in respect of their investments. i. Requirements for all folios prior to June 01, 2017:

For folios existing prior to June 01, 2017, investors are required to submit the requisite details / documents, as stated above, by December 31, 2017. In case of failure by such investors, to submit the above details by December 31, 2017, the folios of such investors shall cease to be operational till the time the above details are submitted by the investors.

ii. Requirements for folios opened between June 01, 2017 and October 15, 2017:For folios opened between June 01, 2017 and October 15, 2017, investors are required to submit the requisite details / documents, as stated above, by December 31, 2017. In case of failure by such investors, to submit the above details by December 31, 2017, the folios of such investors shall cease to be operational till the time the above details are submitted by the investors.

iii. Requirements for folios opened from October 16, 2017 to December 31, 2017:For all folios opened from October 16, 2017 to December 31, 2017, investors are required to submit the requisite details / documents, as stated above, at the time of account opening. In case of failure by such investors, to submit the above details at the time of account opening, the AMC may, at its sole discretion, open the account pending receipt of the requisite details/ documents. In such cases where the AMC decides to open the account, if the investors fail to submit the requisite details/ documents by December 31, 2017, the folios of such investors shall cease to be operational till the time the above details are submitted by the investors.

iv. Requirements for folios opened from January 01, 2018:For all folios opened from January 01, 2018, investors are required to submit the requisite details / documents, as stated above, at the time of account opening. No new folios shall be opened from January 01, 2018, if the requisite details / documents, as stated, are not submitted at the time of account opening.

Where the investors who are individuals or in the case of investors who are non-individuals, managers, officers or employees or persons holding an attorney to transact on the investor’s behalf, as the case may be, do not have an Aadhaar number, the proof of enrolment for Aadhaar can be submitted. However, in such cases, the Aadhaar number shall be required to be provided for eventual authentication within the prescribed timeframe of 6 months as aforesaid, failing which the account / folio shall cease to be operational.The mandatory requirement to submit the Aadhaar details/ documents by existing as well as new investors has been deferred till further notice.

XIII VIRTUAL PAYMENT INTERFACE (VPI)Unified Payments Interface (UPI) is a payment system launched by National Payments Corporation of India and regulated by the Reserve Bank of India which facilitates the instant fund transfer between two bank accounts on the mobile platform. It is a quick and easy way to send and receive money using a Virtual Payment Address without entering additional bank details. Investors can use their VPAs to make investment if registered for online transactions on our website www.barodamf.com.

NAME AS PER PAN CARD

Minor through guardian

Others

Resident Individual Foreign National Resident in India NRI - Non Repatriation Body Corporate

NGO Sole Proprietorship

NRI-Repatriation

Society / Club PartnershipAOPOCIPIOQFICompanyFPIsTrustHUFLLPBOI

Status of the First Applicant (Mandatory, please P)

Please read product labeling details available on cover page and the instructions before filling up the Application Form. Tick (P) whichever is applicable, strike out whichever is not required.

Common Application Form(For Lumpsum / Systematic Investments)

DISTRIBUTOR INFORMATION (Only empanelled Distributors / Brokers will be permitted to distribute Units of Baroda Mutual Fund)

Upfront commission shall be paid directly by the investor to the AMFI registered distributor, based on the investor's assessment of various factors, including the service rendered by the distributor. I/We hereby confirm that the EUIN box has been intentionally left blank by me/us as this transaction is executed without any interaction or advice by the employee/relationship manager/sales person of the above distributor/sub broker or notwithstanding the advice of in-appropriateness, if any, provided by the employee/relationship manager/sales person of the distributor/sub broker.

1st Applicant Signature / Guardian Signature / POA Signature / Thumb Impression 3rd Applicant Signature / POA Signature / Thumb Impression2nd Applicant Signature / POA Signature / Thumb Impression

TRANSACTION CHARGES FOR APPLICATIONS THROUGH DISTRIBUTORS ONLY (Please refer Instructions VIII)

Existing Folio Number

In case the subscription amount is ̀ 10,000/- or more and your distributor has opted to receive Transaction Charges, they are deductible, as applicable, from the purchase / subscription amount and payable to the distributor. Units will be issued against the balance amount.

I confirm that I am an existing investor across Mutual Funds.( ` 100 deductible as Transaction Charge and payable to the Distributor)

I confirm that I am a first time investor across Mutual Funds.( ` 150 deductible as Transaction Charge and payable to the Distributor)

ACKNOWLEDGEMENT SLIP (To be filled in by the investor)

Signature, Stamp & Date

Received from Mr. / Ms. / M/s.

Option (please P) Growth Dividend

along with Cheque / DD No. / UTR No. D D M M Y Y Y YDated

Amount `Drawn on (Bank)

an Application for scheme

Sub-option (please P) Payout Reinvestment

SOLE / FIRST APPLICANT'S PERSONAL DETAILS (Please fill in ALPHABETS and use one box for one alphabet, leaving one box blank between two words, as it appears in your PAN Card)

PAN

Distributor / Broker ARN Sub-Broker Code LG CodeEUINSub-Broker ARN RIA Code

City

Pincode State Country (Mandatory)

Phone (Res) Email ID*

Phone (Off.) Fax No. Mobile No.

*Wherever email ID is registered, an electronic Statement of Account (e-SOA) will be shared with the investor. In case you want to receive a physical statement, please request for the same separately.

MODE OF HOLDING Default Option: Joint JointORSingle Anyone or SurvivorOR (Please refer Instructions II)

SECOND APPLICANT'S Name Mr Ms

Address [P. O. Box Address is not sufficient] (Indian address, in case of NRIs/ FPI's)

Name of the Guardian (in case First / Sole Applicant is minor) / Contact Person - Designation / PoA Holder (In case of Non-Individual Investors)

THIRD APPLICANT'S Name Mr Ms

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

State Country Zip Code

Name Mr Ms M/s

Add convenience to your life with our value added service

Simply send **SMS to 9212 132763 to avail the below facilities

Balance SMS BAL <space> last 6 digits of Folio No.

NAV SMS NAV <space> last 6 digits of Folio No.

Statement thru Email SMS ESOA <space> last 6 digits of Folio No.

Last 3 Transactions SMS Transaction <space> last 6 digits of Folio No.

**SMS charges as per service provider applicable.

SMSSMSInvestor can avail below facilities

1. NAV

2. Account Balance

3. Account Statement

4. Last 5 TransactionsIVR

24x7

9 am to 6 pm - Monday to Saturday on all Business Days

nd th9 am to 2 pm on 2 & 4 Saturdays of the Month

For more details call : 1800-2670-189 (Toll Free)

www.barodamf.com

#PAN/PEKRN

Date of Birth

First Applicant**

Aadhaar

Second Applicant Third Applicant

KIN No (CKYC)

D D M M Y Y Y Y

**Incase Minor / POA

Guardian (In case of Minor) POA Holder

Name

Relationship

Date of Birth of Minor

PAN/PEKRN

Aadhaar

KIN Nos. (CKYC)

D D M M Y Y Y Y

POA Holder

Information (*Mandatory)

# #(Refer Instruction IV) Please attach PAN proof.

I/We hereby provide my /our consent in accordance with Aadhaar Act, 2016 and regulations made thereunder, for (i) collecting, storing and usage (ii) validating/authenticating and (ii) updating my/our Aadhaar number(s) in accordance with the Aadhaar Act, 2016 (and regulations made thereunder) and PMLA.

I/We hereby provide my/our consent for sharing/disclosing my Aadhaar number(s) including demographic information with the asset management companies of SEBI registered mutual funds and their Registrar and Transfer Agents (RTA) for the purpose of updating the same in my/our folios.

Consent

Signature

D D M M Y Y Y Y D D M M Y Y Y Y

Politically Exposed Person (PEP)

Self Related Non Applicable Self Related Non Applicable Self Related Non Applicable

Is the entity involved in any of the following services:

• Foreign Exchange/ Money Changer Yes No • Gaming/ Gambling/ Lottery (casinos, betting syndicates) Yes No • Money Lending/ Pawning Yes No

Public Co.(Listed) Public Co.(Unlisted)

Housewife Builder Sports Defence

Student Business Professional Retired

Forex Dealer Gov. Service Agriculture

Pvt. Sector Service

Entertainment

Public Sector Service

Other

Gross Annual Income

Occupation of the Applicant

Net-worth* in ` (Lacs)*Should not be older than one year (Mandatory for Non-Individual)

Networth as of date

Non-Individuals

D D M M Y Y Y Y D D M M Y Y Y Y D D M M Y Y Y Y

Public Co.(Listed) Public Co.(Unlisted)

Housewife Builder Sports Defence

Student Business Professional Retired

Forex Dealer Gov. Service Agriculture

Pvt. Sector Service

Entertainment

Public Sector Service

Other

Public Co.(Listed) Public Co.(Unlisted)

Housewife Builder Sports Defence

Student Business Professional Retired

Forex Dealer Gov. Service Agriculture

Pvt. Sector Service

Entertainment

Public Sector Service

Other

OR

Information to Investor's

The purpose of collection/usage of Aadhaar number including demographic information is to comply with applicable laws/rules/regulations and provision of the said data is mandatory as per applicable laws/rules/regulations. The mandatory requirement to submit the Aadhaar details/ documents by existing as well as new investors has been deferred till further notice.

Post obtaining the Aadhaar number, we shall authenticate the same in accordance with the Aadhaar Act, 2016.

We shall receive your demographic information which shall be used only to comply with applicable laws / rules / regulations.

25 L-1 Cr

<1L

> 1 Cr and so on

5-10 L1- 5 L

10-25 L 25 L-1 Cr

<1L

> 1 Cr and so on

5-10 L1- 5 L

10-25 L 25 L-1 Cr

<1L

> 1 Cr and so on

5-10 L1- 5 L

10-25 L

Refer Instruction XI for more details The below information is required for all applicant(s)/ guardian

Name of Applicant

Place/ City of Birth

Country of Birth

#Country of Tax Residency

Tax Payer Ref. ID No^

Identification Type[TIN or other, please specify]

Country of Tax Residency 2

Tax Payer Ref. ID No. 2

Identification Type[TIN or other, please specify]

Country of Tax Residency 3

First Applicant (including Minor)Category Second Applicant/ Guardian Third Applicant

#To also include USA, where the individual is a citizen/ green card holder of USA. ^In case Tax Identification Number is not available, kindly provide its functional equivalent.

Identification Type[TIN or other, please specify]

Tax Payer Ref. ID No.3

FATCA & CRS INFORMATION [Please tick (ü)] For Individuals & HUF (Mandatory) Non Individual investors should mandatorily fill seperate FATCA detail form

Address Type: Residential or Business Residential Business Registered Office (for address mentioned in form/existing address appearing in Folio)

Please indicate all countries in which you are resident for tax purposes and the associated Tax Reference Numbers below.

Is the applicant(s) Country of Birth / Nationality / Tax Residency other than India?

If “Yes”, please provide the following information (Mandatory)

First Applicant (including Minor)

Yes No

Second Applicant Third Applicant

Yes No Yes No

Name of the Bank Branch

Pincode State City

Bank Address

MICR Code (9 digits)

*IFSC Code for NEFT / RTGS

*This is an 11 Digit Number, kindly obtain it from your Bank Branch.Example for filling

the Account No.

Ac. No.

In words

1

One

3

Three

5

Five

7

Seven (Please attach copy of cancelled cheque)

Account no. (in words)

Account No. (in figures) Account Type Savings Current NRO NRE Others

FIRST HOLDER'S BANK ACCOUNT DETAILS (Mandatory) Refer Instruction III. All communication / payments will be made to the first applicant, or to the Karta in case of HUF. Bank account details of first applicant are required, without which the application is liable to be rejected.

Virtual Payment Address (VPA) (of the Sole / First Holder / Guardian) (for Payment through UPI)

REDEMPTION / DIVIDEND / REFUND PAYOUTS (Refer Instruction X for details)

Sub-option (please P) Payout ReinvestmentOption (please P) Growth Dividend

Scheme Name

SCHEME DETAILS (Please choose the Option and Sub-option for Investment, please read product labeling details available on Cover Page and Instruction before filling this section)

Zero Balance folioPlan (please P) Plan A Plan B (Direct)

GROSS AMOUNT (A) A

MODE OF PAYMENT NEFT / RTGS DD [(Bank Certificate / Third Party / DD Declaration Enclosed) (for Third Party Payment Refer Instruction VI(9))]Cheque

Cheque / DD Details

A/c No. A/c Type

Cheque / DD No. DD M M Y Y Y YDate

INVESTMENT DETAILS (Strike off whichever is not applicable)

NET AMOUNT (CHEQUE / DD AMOUNT)DD CHARGES (IF ANY) (B) B A minus B

Drawn on Bank

In case of NEFT / RTGS payment UTR No.

` `

UPI

Units to be allotted based on the closing NAV of the day immediately preceding the next business day*. Subscription amount to be credited to the registered default bank account of the investor on the day of credit.

SUBSCRIPTIONS TO BARODA LIQUID FUND Subscriptions to Baroda Liquid Fund, by NEFT / RTGS and credit to the collection account of the mutual fund after 2 pm up to 3 pm.* (please ü any one)

NOMINATION DETAILS (To be filled in by individuals singly or jointly. Mandatory only for Investors who opt to hold units in Non-Demat Form) Refer Instruction VII.

Name and Address of the Nominee(s)

Relationshipbetween Nominee

& Investor

Name & Address of Guardian(to be furnished in case the nominee is minor)

Signature of Guardian / Nominee

Proportion (%) by which the units will be shared by each nominee

(% to aggregate to 100%)Date of Birth

Nominee 1

Nominee 2

Nominee 3

I/We have read and understood the contents of the scheme related documents and hereby apply for allotment of units in the Scheme. I/We agree to abide by the terms, conditions, rules & regulations governing the Scheme. I/We hereby declare that I/We am/are authorized to make this investment and that the amount invested in the Scheme is through legitimate sources only and does not involve and is not designed for the purpose of any contravention or evasion of any act, rule, regulation, notification or direction or any other applicable laws issued by the Government of India or any regulatory or statutory authority. I/We have understood the details of the Scheme and in the event “Know Your Customer” process is not completed by me/us to the satisfaction of the AMC, I/We hereby authorize the AMC to redeem the funds invested in the Scheme, in favour of the first applicant at the applicable NAV prevailing on the date of such redemption and to undertake such other action with such funds as may be required by law. I/We hereby authorise Baroda Mutual Fund, its Investment Manager and its agents to disclose details of my investment to my bank(s)/Baroda Mutual Fund’ bank(s) and/or Distributor/Broker/Investment Adviser.

The ARN holder has disclosed to me/us all the commission (in the form of trail commission or any other mode), payable to him/it for the different competing schemes of various mutual funds from amongst which the Scheme is being recommended to me/us. I/We have neither received nor been induced by any rebate or gifts, directly or indirectly, in making this investment. I/We declare that the information given in this application form is correct, complete and truly stated. If I/We have not ticked for not appointing a nominee, then the Application Form shall be processed as without nomination.

Applicable for “Execution Only” transaction : I/We, the undersigned, hereby acknowledge and confirm that the above transaction is “Execution Only” as explained vide SEBI circular no. CIR /IMD/DF/13/2011 dated 22 August 2011. This investment is being made notwithstanding the advice of the appropriateness/inappropriateness of the same and the distributor has not charged any advisory fees on this transaction.

Applicable for NRIs : I/We confirm that I am/we are Non-Residents of Indian nationality/origin but not residents of the United States and Canada and I/we hereby confirm that I/we have remitted funds from abroad through approved banking channels or from my/our monies in my/our domestic account maintained in accordance with applicable RBI guidelines.

I / We have understood the information requirements of this Form (read along with the FATCA & CRS Instructions) and hereby confirm that the information provided by me/us on this Form is true, correct, and complete. I / We also confirm that I / We have read and understood the FATCA & CRS Terms and Conditions below and hereby accept the same.

Applicable for FATCA & CRS :

DECLARATION AND SIGNATURES

1st Applicant Signature / Guardian Signature / POA Signature / Thumb Impression

2nd Applicant Signature / POA Signature /Thumb Impression

3rd Applicant Signature / POA Signature / Thumb Impression

DDMMYYYY

DDMMYYYY

DDMMYYYY

Visit us at : www.barodamf.com

Toll Free Number No. : 1800 2670 189

9 am to 6 pm - Monday to Saturday on all Business Days

nd th 9 am to 2 pm on 2 & 4 Saturdays of the Month

Email:info@barodamf.com

DECLARATION AND SIGNATURESI/We have read and understood the contents of the scheme related documents and hereby apply for allotment of units in the Scheme. I/We agree to abide by the terms, conditions, rules & regulations governing the Scheme. I/We hereby declare that I/We am/are authorized to make this investment and that the amount invested in the Scheme is through legitimate sources only and does not involve and is not designed for the purpose of any contravention or evasion of any act, rule, regulation, notification or direction or any other applicable laws issued by the Government of India or any regulatory or statutory authority. The ARN holder has disclosed to me/us all the commission (in the form of trail commission or any other mode), payable to him/it for the different competing schemes of various mutual funds from amongst which the Scheme is being recommended to me/us. I/We have neither received nor been induced by any rebate or gifts, directly or indirectly, in making this investment. I/We declare that the information given in this application form is correct, complete and truly stated. Applicable for NRIs : I/We confirm that I am/we are Non-Residents of Indian nationality/origin but not residents of the United States and Canada and I/we hereby confirm that I/we have remitted funds from abroad through approved banking channels or from my/our monies in my/our domestic account maintained in accordance with applicable RBI guidelines.

Signature / Thumb Impression of Sole /1st Applicant / POA Holder / Guardian

Signature / Thumb Impression of 2nd Applicant /POA Holder / Guardian

Signature / Thumb Impression of 3rd Applicant /POA Holder / Guardian

Application Form STP / SWP / DSO

INSTRUCTION1. An STP will be treated like an SWP from the outgoing scheme and an SIP into the incoming scheme.2. Exit Load, as applicable from time to time, will be levied on STP/SWP.3. In the case of STP/SWP/DSO, the request to start the STP/SWP must reach the ISC at least 7 working

days prior to the first STP/SWP/.4. For SWP - incase the payout date is not mentioned, the payroll will continue till the balance units are

reduced to zero.

For STP - incase the period or end date is not given, STP units / amounts will get switched out till it meets the minimum investment amount in switched in scheme. All Dates - there will be four STP transactions processed in a month i.e 1st, 10th, 15th and 25th.Incase the from date is not mentioned, it will be treated as the 10th day of the following month.For DSO - Please refer to website for list of Source Scheme, Target Schemes and detailed terms and conditions. The Minimum amount of dividend eligible for transfer under Dividend Transfer Plan is Rs. 200/-.

ACKNOWLEDGMENT SLIP (To be filled in by the Applicant)

Signature, Stamp & Date

Investor Name

STP / SWP

Folio No. D D M M Y Y Y YDated

Scheme / Plan / Option / Sub-Option

Amount `

To (for STP Only)

DSO

DIVIDEND SWEEP OPTION (DSO) - ENROLMENT DETAILS (Allow 7 days to register, please mention complete Scheme, Plan & Option)

Source Scheme (From where Dividend is to be transferred)

Target Scheme (To where Dividend is to be transferred)

Baroda

Baroda

TRANSACTION CHARGES FOR APPLICATIONS THROUGH DISTRIBUTORS ONLY (Please refer Instructions for filling up the Application Form - VIII)

In case the subscription amount is ̀ 10,000/- or more and your distributor has opted to receive Transaction Charges, they are deductible, as applicable, from the purchase / subscription amount and payable to the distributor. Units will be issued against the balance amount.

I confirm that I am an existing investor across Mutual Funds.( ` 100 deductible as Transaction Charge and payable to the Distributor)

I confirm that I am a First time investor across Mutual Funds.( ` 150 deductible as Transaction Charge and payable to the Distributor)

Please refer the STP / SWP / DSO : Terms & Conditions while filling up the Form. Tick (P) whichever is applicable, strike out whichever is not required.

Please note that the applicant details and mode of holding are as per the existing Folio Number

SYSTEMATIC TRANSFER PLAN (STP)

Please read product labeling details available on cover page and the instructions before filling up the Application Form. Tick (P) whichever is applicable, strike out whichever is not required.

DISTRIBUTOR INFORMATION (Only empanelled Distributors / Brokers will be permitted to distribute Units of the schemes of Baroda Mutual Fund)

Upfront commission shall be paid directly by the investor to the AMFI registered distributor, based on the investor's assessment of various factors, including the service rendered by the distributor.

I/We hereby confirm that the EUIN box has been intentionally left blank by me/us as this is an “execution-only” transaction without any interaction or advice by the employee/relationship manager/sales person of the above distributor or notwithstanding the advice of in-appropriateness, if any, provided by the employee/relationship manager/sales person of the distributor and the distributor has not charged any advisory fees on this transaction.

Distributor / Broker ARN Sub-Broker Code LG CodeEUINSub-Broker ARN

Folio No. Name of Sole / First Unit Holder

No. of units Capital Appreciation Fixed Amount (Please tick one option only).

Folio No.

Mobile No. Email ID

ORAmount ` (in figures) ` (in words)

Units

STP Frequency

STP Date

FROM

PAN Enclosed (please P) PAN copy KYC

Monthly (Default) Calendar Quarter D D M M Y Y Y YEnd OnD D M M Y Y Y YStart FromSTP Period

1st 10th (Default)

Scheme Option Sub-Option

TO Scheme Option Sub-Option

15th 25th All dates

SYSTEMATIC WITHDRAWAL PLAN (SWP) (Please tick one option only)Fixed Amount Capital Appreciation

Folio No.

Mobile No. Email ID

ORAmount ` (in figures) ` (in words)

Units

SWP Date

FROM

PAN Enclosed (please P) PAN copy KYC

1st 10th (Default)

Scheme Option Sub-Option

SWP Frequency D D M M Y Y Y YEnd OnD D M M Y Y Y YStart FromSWP PeriodMonthly (Default) Calendar Quarter

15th 25th All dates

RIA Code

This

Page h

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DISTRIBUTOR INFORMATION (Only empanelled Distributors / Brokers will be permitted to distribute Units of Schemes covered by this KIM)

TRANSACTION CHARGES FOR APPLICATIONS THROUGH DISTRIBUTORS ONLY (Please refer instructions for filling up the Application Form - VIII)

In case the subscription amount is ̀ 10,000/- or more and your distributor has opted to receive Transaction Charges, they are deductible, as applicable, from the purchase / subscription amount and payable to the distributor. Units will be issued against the balance amount.

I confirm that I am an existing investor across Mutual Funds.( ` 100 deductible as Transaction Charge and payable to the Distributor)

I confirm that I am a First time investor across Mutual Funds.( ` 150 deductible as Transaction Charge and payable to the Distributor)

Change in Bank Account for existing Registration with BMFNew Registration with BMFFirst SIP cheque and subsequent via Auto Debit / ECS if the Bank is not participating in ACH Platform. (Please attach copy of cheque / cancelled cheque)

MICRO SIP (Only for Micro SIP - for aggregate investment not exceeding ` 50,000 in a financial year)

Signature

Sole / First Investor Name

INVESTOR AND INVESTMENT DETAILS

Folio / Application No. (Existing Investors : please mention Folio Number)

Scheme Option and Sub Option

PAN DETAILS (Mandatory) *If the First Applicant is a Minor, please state the details of Guardian. # Please attach PAN proof.

Second Applicant

# (Refer Instruction IV)

Upfront commission shall be paid directly by the investor to the AMFI registered distributor, based on the investor's assessment of various factors, including the service rendered by the distributor.

I/We hereby confirm that the EUIN box has been intentionally left blank by me/us as this is an “execution-only” transaction without any interaction or advice by the employee/relationship manager/sales person of the above distributor or notwithstanding the advice of in-appropriateness, if any, provided by the employee/relationship manager/sales person of the distributor and the distributor has not charged any advisory fees on this transaction.

Please refer the SIP : Terms & Conditions while filling up the Form. Tick (P) whichever is applicable, strike out whichever is not required.Please read product labeling details available on cover page and the instructions before filling up the Application Form. Tick (P) whichever is applicable, strike out whichever is not required.

I/We have read and understood the contents of the scheme related documents and hereby apply for allotment of units in the Scheme. I/We agree to abide by the terms, conditions, rules & regulations governing the Scheme. I/We hereby declare that I/We do not have any existing Micro SIPs which together with the current application will result in aggregate investments exceeding ` 50,000 in a year. I/We have neither received nor been induced by any rebate or gifts directly or indirectly in making this Systematic Investment. The ARN holder has disclosed to me/us all the commissions (in trail commission or any other), payable to him for the different competing schemes of mutual funds from amongst which the Scheme is being recommended to me/us. I/We hereby declare that the particulars given here are correct and express my/our willingness to make payments referred above through direct debit/participation in ECS. If the transaction is delayed or not effected at all for reasons of incomplete or incorrect information, I/We would not hold Baroda Mutual Fund, Baroda Asset Management India Limited, its investment manager, or any of their appointed service providers or representatives responsible. I/We will also inform Baroda Asset Management India Limited about any changes in my/our bank account. I/We have read and agreed to the terms and conditions mentioned overleaf.

1st A/c Holder's Signature (as per Mutual Fund Record) / POA / Guardian 2nd A/c Holder's Signature (as per Mutual Fund Record) / POA / Guardian 3rd A/c Holder's Signature (as per Mutual Fund Record) / POA / Guardian

st th th thSIP date should be either 1 / 10 / 15 / 25 (Note: Cheque should be drawn on bank details provided below) (Note: Please allow minimum one month for auto debit to register and start).I hereby authorise Baroda Mutual Fund (BMF) and their authorised service providers to debit my following bank account by ECS (Debit Clearing) / auto debit to account for collection of SIP payments.

Each SIP Amount ( ` )

Amount in wordsst1 SIP Cheque Details

SIP Auto Debit Dates

SIP AND PAYMENT DETAILS

Frequency Status: RI NRIMonthly (Default) Calendar Quarter

D D M M Y Y Y YDateCheque No.

D D M M Y Y Y YEnd OnD D M M Y Y Y YStart FormSIP Period1st 10th 15th 25th of the month

OR Perpetual Until Cancelled (99 years) (Default)

PAN BASED NACH MANDATE CUM SIPREGISTRATION FORM

First/Sole Applicant* Third Applicant

SIP Cancellation

Distributor / Broker ARN Sub-Broker Code LG CodeEUINSub-Broker ARN

DEBIT MANDATE FOR NACH

With Bank IFSC or MICR

An Amount of Rupees `

Folio No. Phone No.

PAN No. Email ID

PERIOD

From D D M M Y Y Y Y

To D D M M Y Y Y Y

Or Until cancelled1. Name as in Bank Records 2. Name as in Bank Records 3. Name as in Bank Records

Signature Primary Account holder Signature Account holder Signature Account holder

Bank A/c. Number

I/We hereby authorize To debit (tick P)BARODA MUTUAL FUND SB / CA / CC / SB NRE / SB NRO / OtherTick (P) Create Modify Cancel

Sponsor Bank Code Utility Code

Declaration: This is to confirm that the declaration has been carefully read, understood & made by me/us. I am authorizing the User entity/ Corporate to debit my account, based on the instruction as agreed and signed by me. I have understood that I am authorized to cancel/amend this mandate by appropriately communicating the cancellation / amendment request to the User entity / Corporate of the bank where I have authorized the debit.

Date D D M M Y Y Y YUMRN

FREQUENCY Mthly Qtrly H-Yrly Yrly As & when presented DEBIT TYPE Fixed Amount Maximum Amount

I Agree for the debit of mandate processing charges by the bank whom I am authorizing to debit my accounts as per latest schedule of charges of the bank.

For Office Use Only

For Office Use Only For Office Use Only

Investor Bank Name and Branch

RIA Code

1. In case of new applications, kindly attach duly filled in application form along with registration cum NACH (National Automated Clearing House) mandate form. Any other format of request will be rejected.

2. Completed application form, SIP auto debit/NACH form & first cheque should be submitted at Baroda Asset Management India Limited (AMC) offices or KARVY ISC’s atleast 30 days prior to first SIP cycle date.

3. New investor in to the Fund should mandatorily give a cheque for the first transaction drawn on the same bank account which is to be debited under NACH/Auto Debit. In case the 1st cheque is issued from an A/c which is different from NACH /auto debit A/c, then a copy of cheque from NACH/ auto debit A/c as mentioned on the application form should be submitted.

4. The bank mentioned in NACH request must participate in local MICR clearing. MICR code starting and/or ending with “000” are not valid for NACH.

5. The AMC, the Registrar and other service providers shall not be responsible and liable for any financial loss that may be incurred by the investor with regard to SIP registration process, including any issue relating to NACH or auto debit registration.

6. Should the investor wish to cancel the SIP registration, the cancellation request shall be submitted 21 working days prior to the next SIP cycle date.

7. Should the investor wish to change the Bank Mandate any time during the currency of SIP, he / she should tick the appropriate box in the Mandate Form, fill in the revised bank details and submit the same to AMC or its Registrar and Transfer Agent. Such revised form must be submitted 30 days prior to the next SIP Cycle date.

Systematic Investment Plan (SIP) : Terms & Conditions

Following fields need to be filled mandatorily.

1. Date: In format DD/MM/YYYY.

2. Select the appropriate checkbox to create, modify or cancel the mandate.

3. Sponsor Bank Code and Utility Code to be left blank.

4. Bank A/c Type: Tick the relevant box.

5. Fill Bank Account Number.

6. Fill name of Destination Bank.

7. IFSC / MICR code: Fill respective code.

8. Mention amount of mandate.

9. Select frequency of mandate.

10. Mention Folio Number.

Instructions to fill in SIP NACH Mandate

8. Existing investors who wish to restart their SIPs, are required to submit NACH form duly signed by the bank account holder(s), indicating the existing Folio No. & investment details in the Form & submit the same along with the copy of a cancelled cheque / photocopy of the cheque, drawn on the same bank account registered in the SIP form.

9. Should an investor opt for a monthly SIP, the minimum number of months for which the investment will have to be made (SIP Period) shall be 6 months and the minimum investment amount (SIP Amount) shall be ` 1,000/- per month. Should the investor opt for a quarterly SIP, the SIP Period shall be 4 quarters and the SIP Amount shall be ` 1,500/- per quarter. Investors should note that the first SIP cheque and subsequent SIP installments should be of the same amount.

10. The Registrar will reject a Micro SIP application where it is found that the registration of the application will result in the aggregate of Micro SIP installments in a financial year exceeding Rs.50,000 or where there is any deficiency in the application form or any supporting document In case the first Micro SIP installment is processed (as the cheque may be banked), and the application / supporting document is found to be defective, the Micro SIP will be ceased for future installments. No refunds shall be made for the units already allotted. Investor, can however, redeem the units if so desired.

11. The investor(s) agrees to discharge the responsibility expected of him/them as a participant/s under NACH and hereby confirm adherence to the terms of the mandate. The investor(s) has/have authorized use of their contact details mentioned on the form/NACH mandate for the purpose of processing the mandate instruction and further authorize the bank(s) to debit the investor’s account for any charges towards mandate verification, registration, transactions, etc. as may be applicable.

11. Mention Scheme Name.

12. Telephone Number.

13. Email ID (Optional).

14. Period: Starting and Ending dates of NACH registration (in format DD/MM/YYYY). For

perpetual SIP, please leave the end date blank and select “until cancelled”.

15. Signature as per bank account.

16. Mention Holder Name as per Bank Record.

17. Auto Debit/NACH Mandate is applicable for both Individual and Non-Individual.

18. Auto Debit/NACH Mandate request is liable to be rejected only if the “Bank”

mentioned in the request form is listed in the NACH banks list.

19. Baroda will initiate debit instructions to the investor bank account only on receipt of

valid investment instruction from the investor.

I / We have understood the information requirements of this Form (read along with the FATCA & CRS Instructions) and hereby confirm that the information provided by me/us on this Form is true, correct, and complete. I / We also confirm that I / We have read and understood the FATCA & CRS Terms and Conditions below and hereby accept the same

FATCA & CRS Annexure for Individual Accounts(Including Sole Proprietor) (Refer to instructions)(Please consult your professional tax advisor for further guidance on your tax residency, if required)

Address of tax residence would be taken as available in KRA database. In case of any change please approach KRA & notify the changes

# % $To also include USA, where the individual is a citizen / green card holder of The USA In case Tax Identification Number is not available, kindly provide its functional equivalent

Address of tax residence would be taken as available in KRA database. In case of any change please approach KRA & notify the changes

# % $To also include USA, where the individual is a citizen / green card holder of The USA In case Tax Identification Number is not available, kindly provide its functional equivalent

Address of tax residence would be taken as available in KRA database. In case of any change please approach KRA & notify the changes

# % $To also include USA, where the individual is a citizen / green card holder of The USA In case Tax Identification Number is not available, kindly provide its functional equivalent

Gender Male Female PAN Occupation Type Service Business OthersOthers

Gender Male Female PAN Occupation Type Service Business OthersOthers

FIRST / SOLE APPLICANT / GUARDIAN

SECOND APPLICANT

THIRD APPLICANT

Name

Gender

Father’s Name

Folio No.

Type of address given at KRA

Permissible documents are

Date of Birth

Are you a tax resident of any country other than India?

SIGNATURES

Date

Name

Father’s Name

Folio No.

Type of address given at KRA

Permissible documents are

Date of Birth

Are you a tax resident of any country other than India?

Name

Father’s Name

Folio No.

Type of address given at KRA

Permissible documents are

Date of Birth

Are you a tax resident of any country other than India?

CERTIFICATION

Place

Business Registered Office

Govt. ID Card Driving License

(If yes, please indicate all countries in which you are resident for tax purposes and the associated Tax ID Numbers below.)

%Tax Identification Number

Business Registered Office

Govt. ID Card Driving License

(If yes, please indicate all countries in which you are resident for tax purposes and the associated Tax ID Numbers below.)

%Tax Identification Number

Business Registered Office

Govt. ID Card Driving License

(If yes, please indicate all countries in which you are resident for tax purposes and the associated Tax ID Numbers below.)

%Tax Identification Number

Male Female PAN

Residential or Business Residential

Election ID Card PAN CardPassport

D D M M Y Y Y Y

Yes No

Country#

D D M M Y Y Y Y

Residential or Business Residential

Election ID Card PAN CardPassport

D D M M Y Y Y Y

Yes No

Country#

Residential or Business Residential

Election ID Card PAN CardPassport

D D M M Y Y Y Y

Yes No

Country#

Others

Place of Birth

Country of Birth Nationality

Occupation Type Service Business Others

UIDAI Card NREGA Job Card Others specify

Identification Type (TIN or Other, please specify)

Second ApplicantFirst / Sole Applicant / Guardian Third Applicant

Place of Birth

Country of Birth Nationality

UIDAI Card NREGA Job Card Others specify

Identification Type (TIN or Other, please specify)

Place of Birth

Country of Birth Nationality

UIDAI Card NREGA Job Card Others specify

Identification Type (TIN or Other, please specify)

Visit us at : www.barodamf.com • Email:info@barodamf.com

1. Self-certification that the account holder is neither a citizen of United States of America nor a resident for tax purposes;

2. Non-US passport or any non-US government issued document evidencing nationality or citizenship (refer list below);AND

3. Any one of the following documents:

Certified Copy of “Certificate of Loss of Nationality”.

or Reasonable explanation of why the customer does not have such a certificate despite renouncing US citizenship;

or Reason the customer did not obtain U.S. citizenship at birth.

1. Self-certification that the account holder is neither a citizen of United States of America nor a tax resident of any country other than India; and

2. Documentary evidence (refer list below).

If no Indian telephone number is provided

1. Self-certification that the account holder is neither a citizen of United States of America nor a tax resident of any country other than India; and

2. Documentary evidence (refer list below).

If Indian telephone number is provided along with a foreign country telephone number

1. Self-certification that the account holder is neither a citizen of United States of America nor a tax resident for tax purposes of any country other than India; OR

2. Documentary evidence (refer list below).

1. Self-certification that the account holder is neither a citizen of United States of America nor a tax resident of any country other than India; and

2. Documentary evidence (refer list below).

List of acceptable documentary evidence needed to establish the residence(s) for tax purposes:

1. Certificate of residence issued by an authorized government body*.

2. Valid identification issued by an authorized government body* (e.g. Passport, National Identity card, etc.).

* Government or agency thereof or a municipality of the country or territory in which the payee claims to be a resident.

Details under FATCA & CRS: The Central Board of Direct Taxes has notified Rules 114F to 114H, as part of the Income- tax Rules, 1962, which Rules require Indian financial institutions such as Investment Entities to seek additional personal, tax and beneficial owner information and certain certifications and documentation from all our account holders. In relevant cases, information will have to be reported to tax authorities / appointed agencies. Towards compliance, we may also be required to provide information to any institutions such as withholding agents for the purpose of ensuring appropriate withholding from the account or any proceeds in relation thereto.

Should there be any change in any information provided by you, please ensure you advise us promptly, i.e., within 30 days.

Please note that you may receive more than one request for information if you have multiple relationships with Baroda Mutual Fund or its group entities. Therefore, it is important that you respond to our request, even if you believe you have already supplied any previously requested information.

If you have any questions about your tax residency, please contact your tax advisor. If you are a US citizen or resident or greencard holder, please include United States in the foreign country information field along with your US Tax Identification Number.

$It is mandatory to supply a TIN or functional equivalent if the country in which you are tax resident issues such identifiers. If no TIN is yet available or has not yet been issued, please provide

an explanation and attach this to the form.

In case customer has the following Indicia pertaining to a foreign country and yet declares self to be non-tax resident in the respective country, customer to provide relevant Curing Documents as mentioned below:

Call Center Details & Toll Free No. :

9 am to 6 pm - Monday to Saturday on all Business Daysnd th9 am to 2 pm on 2 & 4 Saturdays of the Month

AMC CONTACT ADDRESS

FATCA & CRS TERMS & CONDITIONS

FATCA & CRS INSTRUCTIONS

Documentation required for Cure of FATCA/ CRS indicia

Baroda Asset Management India LimitedHP Complex, Flat No.12, 3rd Floor, Door No. 124/1, 2 & 3 New No. 14,G. N. Chetty Road,T. Nagar, Chennai - 600 017. Phone: 044 - 2834 3530, Fax: 044 - 2834 3539

Baroda Asset Management India LimitedFlat No. 103 & 104, First Floor,Prakash Deep Building, 7 Tolstoy Marg, New Delhi - 110001. Phone: 011-43514662 Fax: +91 11 4592117

Baroda Asset Management India LimitedCIN : U65991MH1992PLC069414501, Titanium, 5th Floor, Western Express Highway, Goregaon (E),Mumbai - 400063. Tel. No.: 91 22 3074 1000

Toll Free Number No. : 1800 2670 189

U.S. place of birth

Residence/mailing address in a country other than India

Telephone number in a country other than India

Telephone number in a country other than India

FATCA & CRS Indicia observed (ticked)

KARVY INVESTOR SERVICE CENTRES

Agartala: Bidurkarta Chowmuhani, J.N. Bari Road, Tripura (West), Agartala 799 001 Tel: 0381-2317519 Email: mfsagartala@karvy.com • Agra: 1st Floor, Deepak Wasan Plaza, Behind Holiday Inn, Sanjay Place, Agra 282 002 Tel: 7518801801 Email: mfsagra@karvy.com •Ahmedabad: 201/202 Shail Complex, Opp Madhusudan House, B/H Girish Cold Drink, Off C.G. Road, Navrangpura, Ahmedabad 380 006 Tel: 9081903021 Email: ahmedabadmfd@karvy.com •Ajmer: 302, 3rd Floor, Ajmer Auto Building, Opposite City Power House, Jaipur Road, Ajmer 305 001 Tel: 0145-5120725 Email: mfsajmer@karvy.com •Akola: Yamuna Tarang Complex, Shop No.30, Ground Floor, N.H. No.06, Murtizapur Road, Opp Radhakrishna Talkies, Akola 444 004. Tel: 0724-2451874 Email: mfsakola@karvy.com • Aligarh: 1st Floor, Kumar Plaza, Ramghat Road, Aligarh 202 001 Tel: 7518801802 Email: mfsaligarh@karvy.com • Allahabad: Rsa Towers, 2nd Floor, Above Sony TV Showroom, 57, S.P. Marg, Civil Lines, Allahabad 211 001 Tel: 7518801803 Email: allahabadmfd@karvy.com • Alleppy: 1st Floor, JP Towers, Mullackal, KSRTC Bus Stand, Alleppy 688 011 Tel: 0477 2263055 Email: mfsalleppy@karvy.com • Alwar: 101, Saurabh Tower, Opp. Uit, Near Bhagat Singh Circle, Road No.2, Alwar 301 001 Tel: 0144-2335550 / 0144-2335551 Email: mfsalwar@karvy.com • Amaravathi: Shop No.21, 2nd Floor, Gulshan Tower, Near Panchsheel Talkies, Jaistambh Square, Amaravathi 444 601 Tel: 0721 2569198 Email: mfsamaravathi@karvy.com • Ambala: 6349, Nicholson Road, Adjacent Kos Hospital, Ambala Cantt, Ambala 133 001 Tel: 7518801804 Email: mfsambala@karvy.com • Amritsar: 72-A,Taylor's Road, Opp Aga Heritage Club, Amritsar 143 001 Tel: 0183-5053802 Email: mfsamritsar@karvy.com • Anand: B-42 Vaibhav Commercial Center, Near TVS Down Town Show Room, Grid Char Rasta, Anand 380 001 Tel: 9081903038 Email: mfsanand@karvy.com • Ananthapur: #15/149,1st Floor, S R Towers, Subash Road, Opp. Lalitha Kala Parishad, Anantapur 515 001 Tel: 08554-244449 Email: mfsananthapur@karvy.com • Ankleshwar: L/2 Keval Shopping Center, National Highway, Ankleshwar 393 002 Tel: 9081903037 Email: mfsankleshwar@karvy.com • Asansol: 114/71, G.T. Road, Bhanga Panchil, Near Nokia Care, Asansol 713 303 Tel: 0341-2220077 Email: mfsasansol@karvy.com • Aurangabad: Ramkunj Niwas, Railway Station Road, Near Osmanpura Circle, Aurangabad 431005 Tel: 0240-2343414 Email: mfsaurangabad@karvy.com • Azamgarh: 1st Floor, Alkal Building, Opp. Nagaripalika Civil Line, Azamgarh 276 001 Tel: 05462-247947 / 7518801805 Email: mfsazamgarh@karvy.com • Balasore: M.S. Das Street, Gopalgaon, Orissa, Balasore 756 001 Tel: 06782-260503 Email: mfsbalasore@karvy.com • Bangalore: 59, Skanda Puttanna Road, Basavanagudi, Bangalore 560 004 Tel: 080-26602852 Email: bangaloremfd@karvy.com • Bankura: Ambika Market Complex (Ground Floor), Nutanganj, Post & Dist Bankura, Bankura 722 101 Tel: 03242-255964 Email: mfsbankura@karvy.com • Bareilly: 1st Floor, Rear Side, A-Square Building, 154-A Civil Lines, Opp. D.M. Residence, Station Road, Bareilly 243 001. Tel: 7518801806 Email: mfsbareilly@karvy.com • Barhampore (WB): Thakur Market Complex, Gorabazar, Post Berhampore, Dist Murshidabad, No.72 Nayasarak Road, Barhampore (WB) 742 101 Tel: 0348- 2274494 / 0348-2254745 / 2309237 Email: mfsbarhampore@karvy.com • Baroda: 203, Corner Point, Jetalpur Road, Baroda 390 007, Gujarat Tel: 0265-2353506/07 Email: barodamfd@karvy.com • Begusarai: Near Hotel Diamond, Surbhi Complex, O.C. Township Gate, Kapasiya Chowk, Begusarai 851 117 Tel: 7518801807 Email: mfsbegusarai@karvy.coM • Belgaum: CTS No.3939/A2 A1, Above Raymond's Show Room, Beside Harsha Appliances, Club Road, Belgaum 590 001 Tel: 0831 2402544 Email: mfsbelgaum@karvy.com • Bellary: Shree Gayathri Towers, #4, 1st Floor, K.H.B.Colony, Gopalaswamy Mudaliar Road, Gandhi Nagar, Bellary 583 103 Tel: 08392-254750 Email: mfsbellary@karvy.com • Berhampur (OR): Divya Nandan Kalyan Mandap, 3rd Lane, Dharam Nagar, Near Lohiya Motor, Berhampur (Or) 760 001 Tel: 0680-2228106 Email: mfsberhampur@karvy.com • Betul: 107,1st Floor, Hotel Utkarsh, J.H. College Road, Betul 460 001 Tel: 07141-231301 Email: mfsbetul@karvy.com •Bhagalpur: 2nd Floor, Chandralok Complex, Ghantaghar, Radha Rani Sinha Road, Bhagalpur 812 001 Tel: 7518801808 Email: mfsbhagalpur@karvy.com •Bharuch: Shop No.147-148, Aditya Complex, Near Kasak Circle, Bharuch 392 001 Tel: 9081903042 Email: mfsbharuch@karvy.com •Bhatinda: #2047-A, 2nd Floor, The Mall Road, Above Max New York Life Insurance, Bhatinda 151 001 Tel: 0164- 5006725 Email: mfsbhatinda@karvy.com •Bhavnagar: 303, Sterling Point, Waghwadi Road Bhavnagar 364 001 Tel: 278-3003149 Email: mfsbhavnagar@karvy.com •Bhilai: Shop No.1, First Floor, Plot No.1,Commercial Complex, Nehru Nagar - East, Bhilai 490 020 Tel: 0788-2289499 / 2295332 Email: mfsbhilai@karvy.com •Bhilwara: Shop No. 27-28, 1st Floor, Heera Panna Market, Pur Road, Bhilwara 311 001 Tel: 01482-246362 / 246364 Email: mfsbhilwara@karvy.com •Bhopal: Kay Kay Business Centre,133, Zone I, MP Nagar, Above City Bank, Bhopal 462 011 Tel: 0755-4092712 / 0755-4092715 Email: bhopalmfs@karvy.com •Bhubaneswar: A/181, Behind Shivam Honda Show Room, Saheed Nagar, Bhubaneswar 751 007 Tel: 0674-2548981 / 0674-2360334 Email: bhubaneswarmfd@karvy.com •Bikaner: 70-71, 2nd Floor, Dr. Chahar Building, Panchsati Circle, Sadul Ganj, Bikaner 334 003 Tel: 0151-2200014 Email: mfsbikaner@karvy.com •Bilaspur: Shop Nos.225, 226 & 227, 2nd Floor, Narayan Plaza, Link Road, Bilaspur 495 001 Tel: 07752-470070 Email: mfsbilaspur@karvy.com •Bokaro: B-1, 1st Floor, City Centre, Sector - 4, Near Sona Chandi Jewellers, Bokaro 827 004 Tel: 7542979444 / 06542-335616 Email: mfsbokaro@karvy.com •Burdwan: 63 G.T. Road, Halder Complex, 1st Floor, Burdwan 713 101 Tel: 0342-2665140 Email: mfsburdwan@karvy.com •Calicut: 2nd Floor, Soubhagya Shopping Complex, Arayidathpalam, Mavoor Road, Calicut 673 004 Tel: 0495-4022480 Email: mfscalicut@karvy.com • Chandigarh: SCO - 2423-2424, Above Mirchi Restaurant, New Aroma Hotel, First Floor, Sector 22-C, Chandigarh 160 022 Tel: 0172-5101342 Email: chandigarhmfd@karvy.com •Chandrapur: Shop No.6, Office No.2, 1st Floor, Rauts Raghuvanshi Complex, Beside Azad Garden, Main Road, Chandrapur 442 402 Tel: 07172-270262 / 07172-277584 Email: mfschandrapur@karvy.com • Chennai: F-11, Akshaya Plaza, 1st Floor,108 Adhithanar Salai, Egmore, Opp Chief Metropolitan Court, Chennai 600 002 Tel: 044-42028512 / 044-42028513 / 044-42028858 / Fax: 044-42028514 Email: chennaimfd@karvy.com •Chinsura: J.C. Ghosh Saranu, Bhanga Gara, Chinsurah, Hooghly, Chinsurah 712 101 Tel: 033-26810164 Email: mfschinsura@karvy.com • Cochin: Ali Arcade, 1st Floor, Kizhavana Road, Panampilly Nagar, Near Atlantis Junction, Ernakulam 682 036 Tel: 0484 - 4025059 Email: cochinmfd@karvy.com • Coimbatore: 3rd Floor, Jaya Enclave, 1057 Avinashi Road, Coimbatore 641 018 Tel: 0422 – 4388011/12/13/14 / 0422 - 4388451 Email: mfscoimbatore@karvy.com • Cuttack: Opp Dargha Bazar Police Station, Dargha Bazar, PO - Buxi Bazar, Cuttack 753 001 Tel: 0671-220 30 77 Email: mfscuttack@karvy.com • Darbhanga: Jaya Complex, 2nd Floor, Above Furniture Planet, Donar Chowk, Darbhanga 846 003 Tel: 7518801809 Email: mfsdarbhanga@karvy.com • Davangere: D. No. 376/2, 4th Main, 8th Cross, P.J. Extension, Opp Byadgishettar School, Davangere 577 002 Tel: 0819-2258714 Email: mfsdavangere@karvy.com • Dehradun: Kaulagarh Road, Near Sirmaur Marg, Above Reliance Webworld, Dehradun 248 001 Tel: 7518801810 Email: dehradunmfd@karvy.com • Deoria: 1st Floor, Shanti Niketan, Opp. Zila Panchayat, Civil Lines, Deoria 274 001 Tel: 7518801811 Email: mfsdeoria@karvy.com • Dewas: 27 RMO House, Station Road, Above Maa Chamunda Gas Agency, Dewas 455 001 Tel: 07272-426010 Email: mfsdewas@karvy.com • Dhanbad: 208 New Market, 2nd Floor, Bank More, Dhanbad 826 001 Tel: 9264445981 Email: mfsdhanbad@karvy.com • Dharwad: 307/9-A 1st Floor, Nagarkar Colony, Elite Business Center, P B Road, Dharwad 580 001 Tel: 0836- 2744207 Email: mfsdharwad@karvy.com • Dhule: Ground Floor, Ideal Laundry, Lane No.4, Khol Galli, Near Muthoot Finance, Opp Bhavasar General Store, Dhule 424 001 Tel: 02562-282823 Email: mfsdhule@karvy.com • Dindigul: No.9 Old, No:4/B New Agraharam, Palani Road, Dindigul 624 001 Tel: 0451- 2436177 Email: mfsdindigul@karvy.com • Durgapur:

ndMWAV-16 Bengal Ambuja, 2 Floor, City Centre, Dist Burdwan, Durgapur 713 216 Tel: 0343-6512111 Email: mfsdurgapur@karvy.com • Eluru: DNO-23A-7-72/73, KKS Plaza, Munukutla Vari Street, Opp Andhra Hospitals, RR Peta, Eluru 534 002 Tel: 08812-227851 / 52 / 53 / 54 / 9959152347 Email: mfseluru@karvy.com • Erode: No: 4, Veerappan Traders Complex, KMY Salai, Sathy Road, Opp. Erode Bus Stand, Erode 638 003 Tel: 0424-4021212 Email: mfserode@karvy.com • Faridabad: A-2B, 3rd Floor, Neelam Bata Road, Peer Ki Mazar, Nehru Groundnit, Faridabad 121 001 Tel: 7518801812 Email: mfsfaridabad@karvy.com • Ferozpur: The Mall Road, Chawla Building, Ist Floor, Opp. Central Jail, Near Hanuman Mandir, Ferozepur 152 002 Tel: 01632-241814 Email: mfsferozpur@karvy.com • Gandhidham: Shop # 12, Shree Ambica Arcade, Plot # 300, Ward 12. Opp. CG High School, Near HDFC Bank, Gandhidham 370 201 Tel: 9081903027 Email: mfsgandhidham@karvy.com • Gandhinagar: 123, First Floor, Megh Malhar Complex, Opp. Vijay Petrol Pump, Sector - 11, Gandhinagar 382 011 Tel: 079 23244955 Email: mfsgandhinagar@karvy.com • Gaya: 54 Lal Kothi Compound, Shree Krishna Road, 2nd Floor, North Side, Near Royal Surya Hotel, Gaya 823 001 Tel: 0631-2220065 Email: mfsgaya@karvy.com • Ghaziabad: 1st Floor, C-7, Lohia Nagar, Ghaziabad 201 001 Tel: 7518801813 Email: mfsghaziabad@karvy.com • Ghazipur: 2nd Floor, Shubhra Hotel Complex, Mahaubagh, Ghazipur 233 001 Tel: 7518801814 Email: mfsghazipur@karvy.com • Gonda: Shri Market, Sahabgunj, Station Road, Gonda 271 001 Tel: 7518801815 / 9453961547 Email: mfsgonda@karvy.com71 • Gorakhpur: Above V.I.P. House Adjacent, A.D. Girls College, Bank Road, Gorakpur, 273001 Tel: 7518801816 / 8081127735 Email: mfsgorakhpur@karvy.com • Gulbarga: CTS No.2913, 1st Floor, Asian Towers, Jagath Station Main Road, Next To Adithya Hotel, Gulbarga 585 105 Tel: 8088934338 Email: mfsgulbarga@karvy.com • Guntur: D.No.6-10-27, Srinilayam, Arundelpet,10/1, Guntur 522 002 Tel: 0863-2339094 Email: mfsguntur@karvy.com • Gurgaon: Shop No.18, Ground Floor, Sector - 14, Opp. AKD Tower, Near Huda Office, Gurgaon 122 001 Tel: 7518801817 Email: mfsgurgaon@karvy.com • Guwahati: 1st Floor, Bajrangbali Building, Near Bora Service Station, GS Road, Guwahati 781 007 Tel: 8811036746 / 0361-2203324 Email: mfsguwahati@karvy.com • Gwalior: 2nd Floor, Rajeev Plaza, Jayendra Ganj, Lashkar, Gwalior 474 009 Tel: 7518801818 Email: mfsgwalior@karvy.com • Haldwani: Above Kapilaz, Sweet House, Opp LIC Building, Pilikothi, Kaladhungi Road, Haldwani 263 139 Tel: 7518801819 Email: mfshaldwani@karvy.com •Haridwar: 8, Govind Puri, Opp. LIC - 2, Above Vijay Bank, Main Road, Ranipur More, Haridwar 249 401 Tel: 7518801820 Email: mfsharidwar@karvy.com • Hassan: SAS No-212, Ground Floor, Sampige Road, 1st Cross, Near Hotel Souther Star, K.R. Puram, Hassan 573 201 Tel: 08172 262065 Email: mfshassan@karvy.com • Hissar: SCO 71, 1st Floor, Red Square Market, Hissar 125 001 Tel: 7518801821 Email: mfshissar@karvy.com • Hoshiarpur: 1st Floor, The Mall Tower, Opp Kapila Hospital, Sutheri Road, Hoshiarpur 146 001 Tel: 01882-500143 Email: mfshoshiarpur@karvy.com • Hubli: CTC No.483/A1/A2, Ground Floor, Shri Ram Plaza, Behind Kotak Mahindra Bank, Club Road, Hubli 580 029 Tel: 0836-2252444 Email: mfshubli@karvy.com • Hyderabad: Karvy House, No:46, 8-2-609/K, Avenue 4, Street No. 1,Banjara Hills, Hyderabad 500 034 Tel: 040-44857874 / 75 / 76 Email: mfshyderabad@karvy.com • Indore: 2nd floor, 203-205 Balaji Corporate House, Above ICICI Bank, 19/1 New Palasia, Near Curewell Hospital, Janjeerwala Square, Indore 452 001 Tel: 0731-4266828/4218902 Email: mfsindore@karvy.com •Jabalpur: 3rd Floor, R.R. Tower 5, Lajpatkunj, Near Tayabali Petrol Pump, Jabalpur 482 001. Tel: 0761- 4923301. Email: mfsjabalpur@karvy.com • Jaipur: S16/A IIIrd Floor, Land Mark Building, Opp Jai Club, Mahaver Marg, C Scheme, Jaipur 302 001 Tel: 01414167715/17 Email: jaipurmfd@karvy.com •Jalandhar: 1st Floor, Shanti Towers, SCO No.37, Puda Complex, Opposite Tehsil Complex, Jalandhar 144 001 Tel: 0181-5094410 Email: mfsjalandhar@karvy.com • Jalgaon: 269, Jaee Vishwa, 1st Floor, Baliram Peth, Above United Bank of India, Near Kishor Agencies, Jalgaon 425 001 Tel: 9421521406 Email: mfsjalgaon@karvy.com • Jalpaiguri: D B C Road, Opp Nirala Hotel, Jalpaiguri 735 101 Tel: 03561-222136 Email: mfsjalpaiguri@karvy.com • Jammu: Gupta's Tower, 2nd Floor, CB-12, Rail Head Complex, Jammu 180 012 Tel: 0191-2458820 / 2458818 Email: mfsjammu@karvy.com

nd•Jamnagar: 136-137-138 Madhav Plaza, Opp SBI Bank, Near Lal Bunglow, Jamnagar 361 001 Tel: 0288 3065810 / 2558887 Email: mfsjamnagar@karvy.com •Jamshedpur: 2 Floor, R. R. Square, SB Shop Area, Near Reliance Footprint & Hotel, BS Park Plaza, Main Road, Bistupur, Jamshedpur 831 001 Tel: 0657-6655003 / 6655004 / 6655005 / 6655006 / 6655007 Email: jamshedpurmfd@karvy.com • Jaunpur: R. N. Complex, 1-1-9-G, Opp Pathak Honda, Ummarpur, Jaunpur 222 002 Tel: 7518801822 Email: mfsjaunpur@karvy.com • Jhansi: 371/01, Narayan Plaza, Gwalior Road, Near Jeevan Shah Chauraha, Jhansi 284 001 Tel: 7518801823 Email: mfsjhansi@karvy.com •Jodhpur: 203, Modi Arcade, Chopasni Road, Jodhpur 342 001 Tel: 7737014590 Email: mfsjodhpur@karvy.com • Junagadh: 124-125 Punit Shopping Center,

ndM. G. Road, Ranavav Chowk, Junagadh 362 001 Tel: 0285-2652220 Email: mfsjunagadh@karvy.com • Kannur: 2 Floor, Prabhath Complex, Fort Road, Near ICICI Bank, Kannur 670 001 Tel: 0497-2764190 Email: mfskannur@karvy.com • Kanpur: 15/46, B, Ground Floor, Opp Muir Mills, Civil Lines, Kanpur 208 001 Tel: 7518801824 Email: kanpurmfd@karvy.com • Karaikudi: No. 2, Gopi Arcade,100 Feet Road, Karaikudi 630

nd001 Tel: 04565-237192 Email: mfskaraikudi@karvy.com • Karimnagar: Door No:2-10-1298, 2 Floor, Rathnam Arcade, Jyothi Nagar, Karimnagar 505 001 Tel: 0878-2244773 Email: mfskarimnagar@karvy.com • Karnal: 18/369, Char Chaman, Kunjpura Road, Behind Miglani Hospital, Karnal 132 001 Tel: 0184-2252524 Email: mfskarnal@karvy.com • Karur: No.6, Old No.1304, Thiru-Vi-Ka Road, Near G.R. Kalyan Mahal, Karur 639 001 Tel: 04324-241755 Email: mfskarur@karvy.com • Kharagpur: Malancha Road, Beside Axis Bank Ltd, Kharagpur 721304 Tel: 03222-253380 Email: mfskharagpur@karvy.com • Kolhapur: 605/1/4

ndE Ward, Shahupuri, 2 Lane, Laxmi Niwas, Near Sultane Chambers, Kolhapur 416 001 Tel: 0231 2653656 Email: mfskolhapur@karvy.com • Kolkata: Apeejay House (Beside Park Hotel), C Block, 3rd Floor,15 Park Street, Kolkata 700 016 Tel: 033 66285900 Email: mfskolkata@karvy.com • Kollam: Sree Vigneswara Bhavan, Shastri Junction, Kadapakada, Kollam 691 001 Tel: 0474-2747055 Email: mfskollam@karvy.com • Korba: 1st Floor, City Centre, 97 IRCC, Transport Nagar, Korba 495 677 Tel: 7518801826 Email: mfskorba@karvy.com • Kota: Plot No.259, Ist Floor, Near Lala Lajpat Rai Circle, Shopping Centre, Kota 324 007 Tel: 0744-5100964 Email: mfskota@karvy.com • Kottayam: 1st Floor, Csiascension Square, Railway Station Road, Collectorate PO, Kottayam 686 002 Tel: 0481-2300868 / 2302420 Email: mfskottayam@karvy.com • Kurnool: Shop No.43, 1st Floor, S V Complex, Railway Station Road, Near SBI Main Branch, Kurnool 518 004 Tel: 08518-228550 Email: mfskurnool@karvy.com • Lucknow: Ist Floor, A. A. Complex, 5 Park Road, Hazratganj, Thaper House, Lucknow 226 001 Tel: 7518801830 / 0522-2236819 / 3213115 Email: lucknowmfd@karvy.com • Ludhiana: Sco - 136, 1st Floor, Above Airtel Showroom, Feroze Gandhi Market, Ludhiana 141 001 Tel: 0161-4648747 Email: mfsludhiana@karvy.com •Madurai: Rakesh Towers, 30-C, Ist Floor, Bye Pass Road, Opp Nagappa Motors, Madurai 625 010 Tel: 0452-2605856 Email: mfsmadurai@karvy.com • Malappuram: First Floor, Peekays Arcade, Down Hill, Malappuram 676 505 Tel: 0483-2731480 Email: mfsmalappuram@karvy.com • Malda: Sahis Tuli, Under Ward No.6, No.1 Govt Colony, English Bazar Municipality, Malda 732 101 Tel: 03512-223763 Email: mfsmalda@karvy.com • Mandi: 149/11, School Bazaar, Near UCO Bank, Opp. Hari Mandir, Mandi 175 001 Tel: 7518801833 Email: mfsmandi@karvy.com • Mangalore: Mahendra Arcade, Opp Court Road, Karangal Padi, Mangalore 575 003 Tel: 0824-2496289 Email: mangaloremfd@karvy.com • Margao: 2nd Floor, Dalal Commercial Complex, Pajifond, Margao - 403 601 Tel: 0832-2731823 Email: mfsmargoa@karvy.com • Mathura: Ambey Crown, 2nd Floor, Opp BSA College, Gaushala Road, Mathura 281 001 Tel: 7518801834 Email: mfsmathura@karvy.com • Meerut: 1st Floor, Medi Centre, Opp ICICI Bank, Hapur Road, Near Bachha Park, Meerut 250 002 Tel: 7518801835 Email: mfsmeerut@karvy.com •Mehsana: Ul/47 Apollo Enclave, Opp Simandhar Temple, Modhera Cross Road, Mehsana 384 002 Tel: 02762-242950 Email: mfsmehsana@karvy.com •Mirzapur: Abhay Mandir, Above HDFC Bank, Dankin Gunj, Mirzapur 231 001 Tel: 7518801836 Email: mfsmirzapur@karvy.com •Moga: 1st Floor, Dutt Road, Mandir Wali Gali, Civil Lines, Barat Ghar, Moga 142 001 Tel: 01636 - 230792 Email: mfsmoga@karvy.com •Moradabad: Om Arcade, Parker Road, Above Syndicate Bank, Chowk Tari Khana, Moradabad 244 001 Tel: 7518801837 Email: mfsmoradabad@karvy.com •Morena: Moti Palace, Near Ramjanki Mandir, Morena 476 001 Tel: 7518801838 Email: mfsmorena@karvy.com •Mumbai: 24/B, Raja Bahadur Compound, Ambalal Doshi Marg, Behind BSE Bldg, Fort, Mumbai 400 001 Tel: 022-66235353 Email: mumbaimfd@karvy.com •Muzaffarpur: First Floor, Shukla Complex, Near ICICI Bank, Civil Court Branch, Company Bagh, Muzaffarpur 842 001 Tel: 7518801839 Email: mfsmuzaffarpur@karvy.com •Mysore: L-350, Silver Tower, Ashoka Road, Opp. Clock Tower, Mysore 570 001 Tel: 0821-2438006 Email: mfsmysore@karvy.com •Nadiad: 104/105, Near Paras Cinema, City Point Nadiad, Nadiad 387 001 Tel: 0268-2563245 Email: mfsnadiad@karvy.com130

KARVY INVESTOR SERVICE CENTRES (Contd.,)

•Nagerkoil: H.No.45, 1st Floor, East Car Street, Nagercoil, 629001 Tel: 04652 - 233552 Email: mfsnagarkoil@karvy.com •Nagpur: Plot No.2/1, House No.102/1, Mata Mandir Road, Mangaldeep Apartment, Opp Khandelwal Jewelers, Dharampeth, Nagpur 440 010 Tel: 0712-2533040 Email: nagpurmfd@karvy.com •Namakkal: 105/2, Arun Towers, Paramathi Road, Namakkal 637 001 Tel: 04286-234801 Email: mfsnamakkal@karvy.com •Nanded: Shop No.4, Santakripa Market, G.G. Road, Opp. Bank Of India, Nanded 431 601 Tel: 02462-237885 Email: mfsnanded@karvy.com •Nasik: S-9, Second Floor, Suyojit Sankul,

stSharanpur Road, Nasik 422 002 Tel: 0253-6608999 / 0755-3010732 Email: nasikmfs@karvy.com •Navsari: 103, 1 Floor, Landmark Mall, Near Sayaji Library, Navsari 396 445 Tel: 9081903040 Email: mfsnavsari@karvy.com •Nellore: 16-2-158, 3rd Floor, Mogarala Complex, Sunday Market Lane, Pogathota, Nellore 524 001. Tel: 0861 2349940 Email: mfsnellore@karvy.com •New Delhi: 305 New Delhi House, 27 Barakhamba Road, New Delhi 110 001 Tel: 011- 43681700 Email: delhimfd@karvy.com Fax: 011-43681710 •Nizamabad: H No:5-6-430, Above Bank Of Baroda, First Floor, Beside HDFC Bank, Hyderabad Road, Nizamabad 503 003 Tel: 08462-224366 Email: mfsnizamabad@karvy.com •Noida: 405, 4th Floor, Vishal Chamber, Plot No.1, Sector-18, Noida 201 301 Tel: 7518801840 Email: mfsnoida@karvy.com •Palghat: No: 20 & 21, Metro Complex, H.P.O. Road, Palakkad 678 001 Tel: 9895968533 / 0491 - 2547373 Email: mfspalghat@karvy.com •Panipat: Java Complex, 1st Floor, Above Vijaya Bank, G.T. Road, Panipat 132 103 Tel: 7518801841 / 0180-3095517 Email: mfspanipat@karvy.com •Panjim: Flat No.1-A, H.No.13/70,Timotio Bldg, Heliodoro Salgado Road, Next to Navhind Bhavan, (Market Area), Panjim 403 001 Tel: 0832-2426873 / 2426874 Email: panjimmfd@karvy.com •Pathankot: 2nd Floor, Sahni Arcade Complex, Adj. Indra Colony Gate, Railway Road, Pathankot, Pathankot 145 001 Tel: 0186-5080188 Email: mfspathankot@karvy.com •Patiala: Sco 27 D, Chotti Baradari, Near Car Bazaar, Patiala 147 001 Tel: 0175-5004349 Email: mfspatiala@karvy.com •Patna: 3A, 3rd Floor, Anand Tower, Exhibition Road, Opp ICICI Bank, Patna 800 001 Tel: 0612-4323066 Email: mfspatna@karvy.com •Pollachi: 146/4, Ramanathan Building, 1st Floor, New Scheme Road, Pollachi 642 002 Tel: 04259-235111 / 235122 / 235133 Email: mfspollachi@karvy.com • Pondicherry: Building No:7, 1st Floor, Thiayagaraja Street, Pondicherry 605 001 Tel: 0413 2220640 Email: mfspondy@karvy.com • Proddatur: D.No: 4/625, Bhairavi Complex, Above Karur Vysya Bank, Gandhi Road, Proddatur - 516 360, Andhra Pradesh Tel: 08564 - 242898 Email: mfsproddatur@karvy.com • Pudukottai: Sundaram Masilamani Towers, TS No.5476 - 5479, PM Road, Old Tirumayam Salai, Near Anna Statue, Jublie Arts, Pudukottai 622 001 Tel: 04322 - 220050 Email: mfspudukottai@karvy.com • Pune: Mozaic Bldg, CTS No.1216/1, Final, Plot No.576/1 TP, Scheme No.1, F.C. Road, Bhamburda, Shivaji Nagar, Pune 411 004 Tel: 020-66496700 / 66496701 Email: punemfd@karvy.com • Raipur: Office No S-13, Second Floor, Raheja Tower, Fafadih Chowk, Jail Road, Raipur (C.G.) – 492 001. Tel: 0771-4912611 Email: mfsraipur@karvy.com • Rajahmundry: D.No.6-1-4, Rangachary Street, T. Nagar, Near Axis Bank Street, Rajahmundry 533 101 Tel: 0883-2434468/70 Email: mfsrajahmundry@karvy.com • Rajapalayam: Sri Ganapathy Complex, 14B/5/18, T P Mills Road, Virudhungar Dist, Rajapalayam 626 117 Tel: 04563 - 232952 Email: mfsrajapalayam@karvy.com • Rajkot: 302, Metro Plaza, Near Moti Tanki

rdChowk, Rajkot, Gujarat, 360 001 Tel: 9081903025 Email: rajkotmfd@karvy.com • Ranchi: Room No.307, 3 Floor, Commerce Tower, Beside Mahabir Tower, Ranchi 834 001 Tel: 0651-2331320 Email: mfsranchi@karvy.com156 • Ratlam: 1 Nagpal Bhawan, Free Ganj Road, Do Batti, Near Nokia Care, Ratlam 457001, mfsratlam@karvy.com, 07412-320398, 07412-402009 •Renukoot: Radhika Bhavan. Opp. Padmini Hotel, Murdhwa, Renukoot 231 217. Tel: 7518801842 Email: mfsrenukoot@karvy.com • Rewa: Ist Floor, Angoori Building, Besides Allahabad Bank, Trans University Road, Civil Lines, Rewa 485 001 Tel: 7518801843 Email: mfsrewa@karvy.com • Rohtak: 1st Floor, Ashoka Plaza, Delhi Road, Rohtak 124 001 Tel: 7518801844 Email: mfsrohtak@karvy.com • Roorkee: Shree Ashadeep Complex, 16, Civil Lines, Near Income Tax Office, Roorkee 247 667 Tel: 7518801845 Email: mfsroorkee@karvy.com • Rourkela: 1st Floor Sandhu Complex, Kachery Road, Uditnagar, Rourekla 769 012 Tel: 0661-2500005 Email: mfsrourkela@karvy.com • Sagar: II Floor, Above Shiva Kanch Mandir, 5 Civil Lines, Sagar 470 002 Tel: 07582-402404 Email: mfssagar@karvy.com • Saharanpur: 18 Mission Market, Court Road, Saharanpur 247 001 Tel: 7518801846 Email: mfssaharanpur@karvy.com • Salem: No.3/250, Brindavan Road, 6th Cross, Behind Perumal Kovil, Fairland's, Salem 636 016 Tel: 0427-4020300 Email: mfssalem@karvy.com • Sambalpur: Koshal Builder Complex, Near Goal Bazaar Petrol Pump, Sambalpur 768 001 Tel: 0663-2533437 Email: mfssambalpur@karvy.com • Satna: 1st Floor, Gopal Complex, Near Bus Stand, Rewa Road, Satna 485 001 Tel: 7518801847 Email: mfssatna@karvy.com • Shaktinagar: 1st/A-375, V.V. Colony, Dist Sonebhadra, Shaktinagar 231 222 Tel: 7518801848 Email: mfsshaktinagar@karvy.com • Shillong: Annex Mani Bhawan, Lower Thana Road, Near R K M LP School, Shillong 793 001 Tel: 0364 - 2506106 Email: mfsshillong@karvy.com • Shimla: Triveni Building, By Pass Chowk, Khallini, Shimla 171 002 Tel: 7518801849 Email: mfsshimla@karvy.com • Shimoga: Sri Matra Naika Complex,1st Floor, Above Shimoga Diagnostic Centre, Llr Road, Durgigudi, Shimoga 577 201 Tel: 08182-228799 Email: mfsshimoga@karvy.com • Shivpuri: 1st Floor, M.P.R.P. Building, Near Bank of India, Shivpuri 473 551 Tel: 7518801850 Email: mfsshivpuri@karvy.com •Sikar: First Floor, Super Tower, Behind Ram Mandir, Near Taparya Bagichi, Sikar 332 001 Tel: 01572-250398 Email: mfssikar@karvy.com • Silchar: N.N. Dutta Road, Chowchakra Complex, Premtala, Silchar 788 001 Tel: 3842261714 Email: mfssilchar@karvy.com •Siliguri: Nanak Complex, Sevoke Road, Siliguri 734 001 Tel: 0353-2522579 Email: mfssiliguri@karvy.com • Sitapur: 12/12-A Sura Complex, Opp Arya Nagar, Mal Godam, Sitapur 261 001 Tel: 7518801851 Email: mfssitapur@karvy.com • Sivakasi: 363, Thiruthangal Road, Opp TNEB, Sivakasi 626 123 Tel: 04562 228816 Email: mfssivakasi@karvy.com • Solan: Sahni Bhawan, Adjacent Anand Cinema Complex, The Mall, Solan 173 212 Tel: 7518801852 Email: mfssolan@karvy.com • Solapur: Block No.06, Vaman Nagar, Opp D-Mart, Jule Solapur, Solapur 413 004 Tel: 0217-2300021 / 2300318 Email: mfssolapur@karvy.com •Sonepat: 205 R Model Town, Above Central Bank of India, Sonepat 131 001 Tel: 7518801853 Email: mfssonepat@karvy.com • Sri Ganganagar: 35E Block, Opp: Sheetla Mata Vaateka, Sri Ganganagar 335 001 Tel: 0154-2470177 Email: mfssriganganagar@karvy.com •Srikakulam: D.No. 4-4-97, First Floor, Behind Sri Vijayaganpathi Temple, Pedda Relli Veedhi, Palakonda Road, Srikakulam 532 001. Tel: 8942229925 / 9248009412 Email: mfssrikakulam@karvy.com • Sultanpur: 1077/3, Civil Lines, Opp Bus Stand, Civil Lines, Sultanpur 228 001 Tel: 7518801854 Email: mfssultanpur@karvy.com • Surat: Office No: 516, 5th Floor, Empire State Building, Near Udhna Darwaja, Ring Road, Surat 395 002 Tel: 9081903041 / 9081903035 Email: suratmf@karvy.com •Thanjavur: No.70, Nalliah Complex, Srinivasam Pillai Road, Tanjore 613 001 Tel: 04362-275415 Email: mfsthanjavur@karvy.com •Thodupuzha: First Floor, Pulimoottil Pioneer, Pala Road, Thodupuzha 685 584 Tel: 04862-211209 Email: mfsthodupuzha@karvy.com • Tirunelveli: 55/18, Jeney Building, S N Road, Near Aravind Eye Hospital, Tirunelveli 627 001 Tel: 0462 2335137 Email: mfstirunelveli@karvy.com • Tirupathi: H.No:10-13-425, 1st Floor, Tilak Road, Opp: Sridevi Complex, Tirupathi 517 501 Tel: 9885995544 / 0877-2255797 Email: mfstirupathi@karvy.com • Tirupur: First Floor, 244 A, Above Selvakumar Dept Stores, Palladam Road, Opp Cotton Market Complex, Tirupur 641 604 Tel:

nd0421-2214221 / 0421-2214319 Email: mfstirupur@karvy.com •Tiruvalla: 2 Floor, Erinjery Complex, Ramanchira, Opp Axis Bank, Thiruvalla 689 107 Tel: 0469-2603303 Email: mfstiruvalla@karvy.com •Trichur: 2nd Floor, Brothers Complex, Naikkanal Junction, Shornur Road, Near Dhanalakshmi Bank H O,Thrissur 680 001 Tel: 0487- 6999987 Email: mfstrichur@karvy.com • Trichy: 60, Sri Krishna Arcade, Thennur High Road, Trichy 620 017 Tel: 0431-4020227 Email: mfstrichy@karvy.com • Trivandrum: 2nd Floor, Akshaya Tower, Sasthamangalam, Trivandrum 695 010 Tel: 0471 - 2725728 Email: mfstrivandrum@karvy.com •Tuticorin: 4 - B, A34 - A37, Mangalmal Mani Nagar, Opp. Rajaji Park, Palayamkottai Road, Tuticorin 628 003 Tel: 0461-2334603 Email: mfstuticorin@karvy.com • Udaipur: 201-202, Madhav Chambers, Opp GPO, Chetak Circle, Udaipur 313 001 Tel: 0294 2429370 Email: mfsudaipur@karvy.com • Ujjain: 101 Aashta Tower, 13/1 Dhanwantri Marg, Freeganj, Ujjain 456 010 Tel: 0734-4250007 / 4250007 Email: mfsujjain@karvy.com • Valsad: Shop No.2, Phiroza Corner, Opp Next Show Room, Tithal Road, Valsad 396 001 Tel: 02632-258481 Email: mfsvalsad@karvy.com • Vapi: Shop No-12, Ground Floor, Sheetal Apartment, Near K P Tower, Vapi 396 195 Tel: 9081903028 Email: mfsvapi@karvy.com •Varanasi: D-64/132 1st Floor, Anant Complex, Sigra, Varanasi 221 010 Tel: 7518801855 Email: varanasimfd@karvy.com • Vellore: No.6, Nexus Towers, 2nd Floor, Officer's Line, Above Peter England & Bata Showroom, Opp. Voorhees School, Vellore 632 001. Tel: 0416 2215007 Email: mfsvellore@karvy.com • Vijayanagaram: Soubhagya, 19-6-1/3, 2nd Floor, Near Fort Branch, Opp Three Temples, Vijayanagaram 535 002 Tel: 08922-236965 Email: mfsvijayanagaram@karvy.com • Vijayawada: 39-10-7, Opp Municipal Water Tank, Labbipet, Vijayawada 520 010 Tel: 0866-6604032 / 39 / 40 Email: vijayawadamfd@karvy.com • Visakhapatnam: Door No: 48-8-7, Dwaraka Diamond, Ground Floor, Srinagar, Visakhapatnam 530 016 Tel: 0891-2714125 Email: vizagmfd@karvy.com • Warangal: 5-6-95, 1st Floor, Opp B.Ed College, Lashkar Bazar, Chandra Complex, Hanmakonda, Warangal 506 001 Tel: 0870-2441513 Email: mfswarangal@karvy.com • Yamuna Nagar: Jagdhari Road, Above UCO Bank, Near D.A.V. Girls College, Yamuna Nagar 135 001 Tel: 7518801857 Email: mfsyamunanagar@karvy.com

Contact Points :

Toll Free Number : 1-800-267 0189 l Email: info@barodamf.com l Website: www.barodamf.com

Registered Office :

Baroda Asset Management India Limited(Formerly known as Baroda Pioneer Asset Management Company Limited)CIN: U65991MH1992PLC069414501 Titanium, 5th Floor, Western Express Highway, Goregaon (E), Mumbai - 400063.Phone: +91 22 3074 1000 / 4219 7999. Fax: +91 22 3071 1001.

Branch Offices :

Flat No. 103 & 104, First Floor, Prakash Deep Building, 7 Tolstoy Marg, New Delhi - 110001.Phone: +91 011- 43514662, Fax: +91 11 4592117.

HP Complex, Flat No. 12, 3rd Floor, Door No. 124/1, 2 & 3 New No. 14, G. N. Chetty Road, T.Nagar, Chennai - 600017. Phone: +91 044- 2834 3530, Fax: +91 044 - 2834 3539

G -101, Ground Floor, SKI High Building 11/05 , Park Road, Hazratganj Lucknow-226001.

Baroda Asset Management India Limited(Formerly known as Baroda Pioneer Asset Management Company Limited)

Baroda Asset Management India Limited(Formerly known as Baroda Pioneer Asset Management Company Limited)

Baroda Asset Management India Limited*(Formerly known as Baroda Pioneer Asset Management Company Limited)

Phone: +91 0522- 43514564.Baroda Asset Management India Limited*(Formerly known as Baroda Pioneer Asset Management Company Limited)Raheja Arcade, No. 1/1, Commercial Permises No. 246, 2 nd Floor, Koramangala Industrial layout, Hosur Road, Bangalore - 560 095.Phone: +91 9884078407* Currently not an Investor Service Centre.

BARODA MUTUAL FUND - CENTRES

KEY INFORMATION MEMORANDUMCUM APPLICATION FORM

BARODA LARGE & MID CAP FUND(An open-ended equity scheme investing in both large cap and mid cap stocks)

Offer of Units of 10/- Per unit for cash during the New Fund Offer and at NAV based prices upon re-opening

`

BARODA ASSET MANAGEMENT INDIA LIMITED(Investment Manager to Baroda Mutual Fund)

This Key Information Memorandum (KIM) sets forth the information, which a prospective investor ought to know before investing. For further details of the scheme / Mutual Fund, due diligence certificate by the AMC, Key Personnel, investors’ rights & services, risk factors, penalties & pending litigations etc. investors should, before investment, refer to the Scheme Information Document and Statement of Additional Information available free of cost at any of the Investor Service Centres or distributors or from the website www.barodamf.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.

This document is dated July 31, 2020

New Fund Offer Opens on : 17 August, 2020

New Fund Offer Closes on : 31 August, 2020

Scheme re-opens for continuous sale and re-purchase on or before : 14 September, 2020

Name of Mutual Fund : Baroda Mutual Fund

Name of Asset Management Company : Baroda Asset Management India Limited(Formerly known as Baroda Pioneer Asset Management Company Limited)CIN : U65991MH1992PLC069414

Name of Trustee Company : Baroda Trustee India Private Limited(Formerly known as Baroda Pioneer Trustee Company Private Limited)CIN : U74120MH2011PTC225365

Addresses, Website of the entities : 501, Titanium, 5th Floor, Western Express Highway, Goregaon (E), Mumbai - 400 063.Email : www.barodamf.com

This product is suitable for investors who are seeking*:

• Capital appreciation over long term.

• Investment predominantly in equity and equity related instruments of large and midcap stocks.

* Investors should consult their financial advisors if in doubt about whether the product is suitable for them. Investors understand that their principal will be at

Moderately High risk

LOW HIGH

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Name of the Scheme Baroda Large & Mid Cap Fund

Type of Scheme An open-ended equity scheme investing in both large cap and mid cap stocks.

Investment Objective The primary objective of the Scheme is to seek long term capital growth through investments in both large cap and mid cap stocks. However, there is no assurance or guarantee that the investment objective of the Scheme will be realized.

Asset Allocation Pattern of the Instruments Normal Allocation (% of Net Assets) Risk ProfileScheme Minimum Maximum

Equity and equity related instruments of large cap* companies (including derivatives) 35% 65% High

Equity and equity related instruments of mid cap* companies (including derivatives) 35% 65% High

Other equities* and equity related instruments 0% 30% High

Debt & Money Market Instruments# 0% 20% Low to Medium

Units issued by REITs/InVITs 0% 10% Medium to Highst th st th* Large Cap: 1 - 100 company in terms of full market capitalization. Mid Cap :101 to 250 company in terms of full market capitalization. Other equities may include small

stcap stocks. Small Cap : 251 company onwards in terms of full market capitalization. The exposure across these stocks will be in line with limits/classification defined by AMFI/SEBI from time to time.

# Investment in securitized debt will not exceed 20% of the net assets of the Scheme. The Scheme will not invest in foreign securitized debt.

The Scheme may take derivatives positions up to 65% of the net assets of the Scheme, based on the opportunities available, subject to the guidelines issued by SEBI from time to time, and in line with the overall investment objective of the Scheme. These may be taken to hedge or rebalance the portfolio, or to undertake any other strategy as may be permitted under the Regulations from time to time.

The Scheme may engage in stock lending to the extent of 20% of the net assets of the Scheme.

The Scheme may undertake repo transactions in corporate debt securities in accordance with the directions issued by SEBI / RBI from time to time and in line with the policy approved by the Board of Directors of the AMC and Trustee Company.

The Scheme may invest in Foreign Securities including ADRs/GDRs upto 10% of its net assets subject to maximum of US$ 300 million in the aggregate at the Mutual Fund level, as per the SEBI circular nos. SEBI/IMD/CIR No.7/104753/07 dated September 26, 2007 and SEBI/IMD/CIR no. 2/122577/08 dated April 8, 2008.

The cumulative gross exposure through equity, debt, derivative positions, REITs and InvITs shall not exceed 100% of the net assets of the Scheme. However, cash or cash equivalents with residual maturity of less than 91 days may be treated as not creating any exposure.

Pending deployment of funds of the Scheme in securities in terms of the investment objective, the AMC may park the funds of the Scheme in short term deposits of scheduled commercial banks, subject to the guidelines issued by SEBI vide its circular dated April 16, 2007, as amended from time to time.

The Scheme may deploy NFO proceeds in Tri-party repo before the closure of NFO period. However, the AMC shall not charge any investment management and advisory fees on funds deployed in Tri-party repos during the NFO period.

Subject to the SEBI (MF) Regulations and in accordance with the framework for short selling and borrowing and lending of securities notified by SEBI vide circular No MRD/DoP/SE/Dep/Cir-14/2007 dated December 20, 2007, as may be amended from time to time, the Scheme intends to engage in stock lending. Stock lending means the lending of stock to another person or entity for a fixed period of time, at a negotiated compensation in order to enhance returns of the portfolio. The securities lent will be returned by the borrower on the expiry of the stipulated period. The Scheme may engage in short selling in accordance with the framework relating to short selling and securities lending and borrowing specified by SEBI. The Scheme shall adhere to the following limits should it engage in stock lending :

1. Not more than 20% of the net assets of the Scheme can generally be deployed in stock lending.

2. Not more than 5% of the net assets of the Scheme can generally be deployed in stock lending to any single counter party.

The Scheme may not be able to sell such lent out securities and this can lead to temporary illiquidity.

The Scheme will invest in debt instruments of investment grade and/or unrated debt securities, in accordance with the guidelines issued by SEBI in this regard. “Investment grade” means investment grade by a credit rating agency authorized to carry out such activity under the Regulations. The Scheme retains the flexibility to invest across all securities in the debt and money markets as permitted by SEBI / RBI from time to time. In addition to the instruments stated in the above table, the Scheme may enter into reverse repos in government securities as may be permitted by SEBI and RBI and in Tri-Party Repo in line with relevant RBI regulations.

The Scheme does not intend to undertake/invest/engage in Credit Default Swaps (CDS) transactions.

Change in Investment Pattern & Rebalancing of Portfolio

Subject to the Regulations, the asset allocation pattern indicated above may change from time to time, keeping in view market conditions, market opportunities, applicable regulations and political and economic factors. It must be clearly understood that the percentages stated above are only indicative and not absolute, and that they can vary, depending upon the perception of the Investment Manager; the intention being at all times to seek to protect the interests of the Unit Holders.

Such changes in the investment pattern will be for a short term and for defensive considerations only. In the event of such a deviation, the fund manager will rebalance the portfolio within 30 days from the date of deviation. If, however, the portfolio is not rebalanced within the said 30 days, justification for not rebalancing will be placed before the Investment Committee of the AMC and effective steps would be taken as may be decided by the Investment Committee. At all points of time, the portfolio will be in line with the investment objective of the Scheme.

Investors may please note that any change in the asset allocation pattern, other than that envisaged above, and hence affecting the investment profile of the Scheme, shall be construed as a change in fundamental attribute, and shall be effected only in accordance with the provisions of sub regulation (15A) of Regulation 18 of the Regulations.

Investment Strategy The investment strategy of the Scheme is as follows:

Ø The Scheme is a large and mid cap equity fund. Within the broader market, the Scheme expects to invest in Large Cap and Mid Cap companies as defined above. The Scheme will invest in equity and equity related instruments of medium and small enterprises of Indian corporates with high management credentials. Special focus will be given to strong corporate governance.

Ø The fund management style will be opportunistic with regard to market capitalization and not from a thematic or sector perspective. Approach to investments in mid-cap stocks would be based on long term compounding stories at reasonable prices. Long term horizon enables the portfolio to ride the economic / business cycle and to overlook volatility in short term due to external factors.

Ø The Scheme would focus on blue-chip companies with sound financials and market leadership while investing in large cap stocks, and on companies which are likely to have a higher growth element due to their small size and potential for higher product penetration, increasing efficiency and improvement in cash flows, while investing in mid cap stocks.

Ø Portfolio construction would entail top down approach towards deciding sector weights benchmarked against the index. Global and domestic economic, fiscal, forex, commodity and various other parameters will be evaluated. Thereafter, the direction of both global and domestic economy will be ascertained along with its impact on various sectors.

Ø Bottom up approach is used for identifying companies within the sector. We actively follow GARP strategy (Growth at Reasonable Price) where companies with a potential of above sector growth, improving efficiency and lower valuations are identified and evaluated for investment. Companies trading at a discount to their intrinsic value and have potential to turn around along with the cycle or because of its internal strength are considered to be value picks. Various fundamental and valuation parameters are considered in terms of revenue, assets and efficiency for identifying sectors and scrips which involves sales growth, Earnings Before Interest, Taxes, Depreciation and Amortization (EBITDA) margin, Profit After Tax (PAT) margin, Price to Earnings (PE) ratio, Price to Book (PB) ratio, EV/EBIDTA, Dividend Discount Model (DDM), economic value added, etc.

Risk Profile of the scheme Mutual Fund Units involve investment risks including the possible loss of principal. Scheme specific Risk Factors are summarized below :-

Risks associated with investing in equity and equity related securities

• Equity instruments carry both company specific and market risks and hence no assurance of returns can be made of these investments.

• Equity and equity related securities are prone to daily price fluctuations and the liquidity of investments made in the Scheme may be restricted by trading volumes and settlement periods. Settlement periods may be extended significantly due to unforeseen circumstances. The inability of the Scheme to make intended securities purchases, due to settlement problems, could cause the Scheme to miss certain investment opportunities. Likewise, the inability to sell securities held in the Scheme’s portfolio could result, at times, in potential losses to the Scheme, should there be a subsequent decline in the value of securities held in the Scheme’s portfolio. Also, the value of the Scheme’s investments may be affected by interest rates, currency exchange rates, changes in laws/policies of the government, taxation laws and political, economic or other developments which may have an adverse bearing on individual securities, a specific sector or all sectors.

Key Information Memorandum cum Application Form

2

Risks associated with transaction in Units through Stock Exchange Mechanism

Allotment and/or redemption of Units through NSE or BSE or any other recognized stock exchange on any Business Day will depend upon the modalities of processing viz. collection of application form, order processing, settlement, etc., upon which the Scheme have no control. Moreover, transactions conducted through the stock exchange mechanism will be governed by the operating guidelines and directives issued by the relevant recognized stock exchange.

Please read the SID carefully for details on risk factors before investment.

Risk management strategy Investment in equity and equity related securities carry various risks such as inability to sell securities, trading volumes & settlement periods, liquidity risk, default risk, reinvestment risk etc. Whilst such risks cannot be eliminated, they may be mitigated by diversification and hedging. Further, the portfolio of a Scheme will be constructed in accordance with the investment restrictions specified under the SEBI (Mutual Fund) Regulations, which would help in mitigating certain risks relating to investment in securities market.

Investment in debt securities carries various risks such as inability to sell securities, trading volumes & settlement periods, interest rate risk, liquidity risk, default risk, reinvestment risk etc. Whilst such risks cannot be eliminated, they may be mitigated by diversification.

Plans and Options The Scheme will have two Plans : Regular and Direct.

Direct Plan is meant for direct investments, i.e. for investors who purchase/subscribe to the units of the Scheme directly with the Fund and is not available for investors who route their investments through a Distributor, while the Regular Plan is meant for investors who route their investments through distributors only.

Both Plans will have a common portfolio, but the Direct Plan will have a lower expense ratio on account of absence of brokerage and commission. Hence, both Plans will have distinct NAVs.

Each of the Plans will have the following options:

A. Growth Option (default option in case no option specified by investor);

B. Dividend Option :

a. Pay-out;

b. Reinvestment (default sub-option in case no sub-option specified by investor)

If the Dividend under the Pay-out Option is less than or equal to ̀ 200, it will, by default, be reinvested under the Reinvestment sub-option.

In order to have a uniform disclosure on treatment of applications under “Direct” / “Regular” Plans, the following disclosures are made :

Scenario Broker Code mentioned by the investor Plan mentioned by the investor Default Plan to be captured

1 Not mentioned Not mentioned Direct Plan

2 Not mentioned Direct Direct Plan

3 Not mentioned Regular Direct Plan

4 Mentioned Direct Direct Plan

5 Direct Not mentioned Direct Plan

6 Direct Regular Direct Plan

7 Mentioned Regular Regular Plan

8 Mentioned Not mentioned Regular Plan

In cases of wrong/ invalid/ incomplete ARN codes mentioned on the application form, the application shall be processed under Regular Plan. The AMC shall contact and obtain the correct ARN code within 30 calendar days of the receipt of the application form from the investor/ distributor. In case, the correct code is not received within 30 calendar days, the AMC shall reprocess the transaction under Direct Plan from the date of application without any exit load.

Applicable NAV Purchase

a) In respect of valid application received up to 3 p.m.* along with a local cheque payable at par at the place where the application is received, closing NAV of the day ofacceptance of application.

b) In respect of valid application received after 3 p.m.* along with a local cheque, closing NAV of the next Business Day.

c) In respect of valid application with outstation cheques not payable at par at the place where application is received, closing NAV of the day on which the cheque is credited.

In respect of valid subscription applications for amounts equal to or more than ̀ 2 lakh, Units will be allotted based on the NAV of the day on which the funds are realized up to 3 p.m.*, subject to the transaction being time-stamped appropriately. In respect of all valid applications for amounts less than ̀ 2 lakh, allotment of Units will be based on the NAV as per the time stamp.

For allotment of Units for an amount equal to or more than ̀ 2 lakh, it shall be ensured that:

(i) Application is received before the applicable cut-off time.

(ii) Funds for the entire amount of purchase/subscription applications are credited to the bank account of the Scheme before the cut-off time; and

(iii) The funds are available for utilization by the Scheme before the cut-off time without availing any credit facility whether intra-day or otherwise.

For allotment of Units in respect of switch-in to the Scheme from other schemes, it shall be ensured that the application for the switch-in is received before the applicable cut-off time, the funds for the entire amount of subscription/purchase as per the switch-in request are credited to the bank account of the Scheme before the cut-off time and are available for utilization before the cut-off time without availing any credit facility whether intra-day or otherwise, by the Scheme.

Re-purchase / Redemption

Where the application is received up to 3 p.m.* - Closing NAV of the day of receipt of application.

Where the application is received after 3 p.m.* - Closing NAV of the next Business Day.

Transactions through electronic mode:

The time of transaction done through electronic mode, for the purpose of determining the applicability of NAV, would be the time when the request for purchase / sale / switch of units is received in the servers of AMC/Registrar.

In case of a time lag between the amount of subscription being debited to the investor's bank account and the subsequent credit into the respective Scheme's bank account, the applicability of NAV for transactions where NAV is to be applied based on actual realization of funds by the Scheme, may be impacted. The AMC/its bankers/ its service providers would not be liable for any such delay/lag and consequent pricing of units.

Transactions through Stock Exchange Mechanism :

Investors may note that for transactions through the stock exchange, Applicable NAV shall be reckoned on the basis of the time stamping as evidenced by the confirmation slip given by the stock exchange mechanism.

Transactions through tele-transact facility :

‘Switch in’ transactions will be treated as if they were purchase transactions and ‘switch out’ transactions will be treated as if they were repurchase transactions. In case of ‘switch’ transactions from one scheme to another, the allocation shall be in line with redemption pay-outs.

Minimum Application Amount/ Purchase : ` 5,000/- and in multiples of ̀ 1/- thereafter. Number of Units Additional Purchase : ` 1,000/- and in multiples of ̀ 1/- thereafter.

Re-purchase : No minimum amount

Despatch of Repurchase Redemption or repurchase proceeds shall be dispatched to Unit Holders within 10 working days of the receipt of the redemption request at the official points of acceptance of(Redemption) Request Baroda Mutual Fund.

Benchmark Index S&P BSE 250 Large MidCap 65:35 TRI**

**S&P BSE 250 Large MidCap 65:35 TRI Index: Baroda Large & Mid Cap Fund (“said Scheme”) offered by Baroda Mutual Fund is not sponsored, endorsed, sold or promoted by India Index Services & Products Limited. (“IISL”). IISL does not make any representation or warranty, express or implied (including warranties of merchantability or fitness for particular purpose or use) and disclaims all liability to the owners of the said Scheme or any member of the public regarding the advisability of investing in securities generally or in the said Scheme linked to S&P BSE 250 Large MidCap 65:35 TRI Index or particularly in the ability of the S&P BSE 250 Large MidCap 65:35 TRI Index and to track general stock market performance in India.

The cut off time for the tele transact facility is 2.00 p.m.! for purchases on all business days. If the call is received after the said cut off time, the same would be considered as transaction for the next business day. All calls received up to the specified cut off time, shall be eligible for the Applicable NAV.

*Due to COVID-19 and pursuant to the communication received from SEBI, the cut-off timings have been temporarily revised to 1:00 p.m., for applicability of NAVs for subscription (including switch-in) as well as redemption (including switch out), until further notice.

Investors can refer to our website at (https://www.barodamf.com/Downloads/pages/notices-addendums.aspx) to check the latest timing applicability.

! "In view of the above timings, transactions through tele-transact facitlity are also temporarily revised to 12.30 p.m."

3

4

Dividend Policy Under the dividend option, the Trustee may declare dividends, subject to availability and adequacy of distributable surplus, calculated in accordance with the SEBI Regulations, and the decision of the Trustee shall be final in this regard. There is no assurance or guarantee to the Unit Holders as to the rate of dividend or that dividend will be paid regularly. The procedure and manner of payment of dividends shall be in line with SEBI circular / guidelines no. SEBI/IMD/CIR no.1/64057/06 dated April 4, 2006 and SEBI/IMD/CIR no. 3/65370/06 dated April 21, 2006 as amended from time to time.

Name of Fund Managers Mr. Sanjay Chawla (Chief Investment Officer) and Mr. Ashwani Kumar Agarwalla (Senior Analyst) (Dedicated fund manager for overseas investments)

Name of the Trustee Company Baroda Trustee India Private Limited

Performance of the scheme This is a new scheme and does not have any performance track record.

Additional scheme related Disclosure on Portfolio holdings, sector allocation and portfolio turnover ratio is not applicable as the Scheme is a new scheme.disclosures The latest monthly portfolio of the Scheme shall be available on the website of AMC/Mutual Fund (www.barodamf.com).

Expenses of the scheme A. New Fund Offer (NFO) expenses

In accordance with the provisions of SEBI Circular no. SEBI/ IMD/CIR No. 1/64057/06 dated April 04, 2006 and SEBI/IMD/CIR No. 4/ 168230/09 dated June 30, 2009, NFO expenses will not be charged to the Scheme.

B. Load structure and transaction charges during NFO and continuous offer

Entry Load: Not Applicable

Pursuant to SEBI circular no. SEBI/IMD/CIR no. 4/168230/09 dated June 30, 2009, no entry load will be charged by the Scheme to investor. Similarly, no entry load will be charged with respect to applications for registrations under Systematic Investment Plan (SIP)/ Systematic Transfer Plan (STP) accepted by the mutual fund under the scheme.

Exit Load :

• If Units are redeemed upto 10% of the Units, on or before 365 days from the date of allotment of Units : Nil

• If Units are redeemed over and above the 10% limit, on or before 365 days from the date of allotment of Units : 1% of the applicable Net Asset Value (NAV)

• If Units are redeemed after 365 days from the date of allotment of Units : Nil

The above Exit Load will be applicable on a FIFO (First-In-First-Out) basis, to all subscription transactions, excluding switch-ins.

Investors may refer to the illustration given below for understanding the applicability of the Exit Load :

Illustration (Different purchase dates) :

Purchase date Units Redemption Free units under Units on which load Units on which noDate 10% exemption is applicable load is applicable

27/01/2018 100 29/01/2019 0 0 100

27/10/2018 100 29/01/2019 10 90 0

27/11/2018 100 29/01/2019 10 90 0

27/12/2018 100 29/01/2019 10 90 0

27/01/2019 600 29/01/2019 60 540 0

Total 1,000 90 810 100

No Exit Load will be charged for switches between the options / Plans under the Scheme. Investors are requested to check the prevailing load structure of the Scheme, before investing. The Exit Load [net of Goods & Service Tax (“GST”)] charged, will be credited to the Scheme. For any change in load structure, the AMC will issue an addendum and display it on the website/ISCs.

Transaction charge :

i. Nil on subscription amounts less than ̀ 10,000/-;

ii. ` 100/- on every subscription of ̀ 10,000/- and above for an existing investor in mutual funds;

iii. ` 150/-* on a subscription of ̀ 10,000/- and above for an investor investing in mutual funds for the first time.

*In the case of any applicable transaction, where the AMC/Fund/Registrar is unable to identify whether the investor concerned is a first-time investor in mutual funds, ̀ 100/- will be charged as transaction charge.

The transaction charge referred to in (ii) and (iii) above will be payable only for transactions done through a distributor who has opted to receive the transaction charges on product basis.

C. Annual scheme recurring expenses

Investment Management & Advisory Fee

Trustee fee

Audit Fees

Custodian Fees

Registrar & Transfer Agent Fees

Marketing & Selling Expenses including Agents’ Commission

Costs related to investor communications

Upto 2.25

Cost of providing account statements / dividend / redemption cheques/ warrants

Cost of Statutory Advertisements

Cost towards investor education & awareness (at least 2 bps)

Brokerage & transaction cost over and above 12 bps and 5 bps for cash and derivative market trades respectively

Goods & Service Tax (GST) on expenses other than investment and advisory fees

GST on brokerage and transaction cost$Other expenses

Maximum Total expenses ratio (TER) permissible under Regulation 52 (6) (c)(i) and (6) (a) Upto 2.25#Additional expenses under Regulations 52(6A)(c) Upto 0.05

%Additional expenses for gross new inflows from specified cities under regulation 52(6A) (b) Upto 0.30

$ Any other expenses which are directly attributable to the Scheme, may be charged with approval of the Trustee within the overall limits as specified in the Regulations except those expenses which are specifically prohibited.

# Such expenses will not be charged if exit load is not levied / not applicable to the Scheme.

% Additional TER will be charged based on inflows only from retail investors (other than corporates and institutions) from B-30 cities. As per SEBI circular dated March 25, 2019, inflows of amount upto ̀ 2,00,000/- per transaction, by individual investors from B-30 cities, shall be considered as inflows from retail investors.

Expense Structure for Direct Plan - The annual recurring expenses will be within the limits specified under the Regulations. Commission/distribution expenses will not be charged in case of Direct Plan and hence, the TER of Direct Plan will be lower to the extent of the commission/distribution expenses vis-à-vis Regular Plan.

Types of expenses charged shall be as per the SEBI Regulations and within the limits mentioned above. Expenses are fungible inter-se. Investors may note that the above-mentioned limits on TER are within the limits mandated by Regulation 52 (6) of the SEBI Regulations, which are as under :

a) 2.25% on the first ̀ 500 crores of daily net assets.

b) 2.00% on the next ̀ 250 crores of daily net assets.

c) 1.75% on the next ̀ 1,250 crores of daily net assets.

d) 1.60% on the next ̀ 3,000 crores of daily net assets.

e) 1.50% on the next ̀ 5,000 crores of daily net assets.

f) Total expense ratio reduction of 0.05% for every increase of ̀ 5,000 crores of daily net assets or part thereof, on the next ̀ 40,000 crores of the daily net assets.

g) 1.05% on the balance of the assets.

The AMC has estimated that upto 2.25% per annum of the daily average net assets of the Scheme will be charged to the Scheme as expenses. For the actual current expenses being charged, the investor should refer to the website of the Mutual Fund.

Particulars % p.a. of daily Net Assets (Regular Plan)

Costs of fund transfer from location to location

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The AMC will also annually set apart, for investor education and awareness initiatives, at least 0.02% on the daily net assets of the Scheme, which shall be within the maximum limit of TER as mentioned in the table above. Further, in addition to the TER, the following costs or expenses may be charged to the Scheme, namely: The AMC will also annually set apart, for investor education and awareness initiatives, at least 0.02% on the daily net assets of the Scheme, which shall be within the maximum limit of TER as mentioned in the table above. Further, in addition to the TER, the following costs or expenses may be charged to the Scheme, namely :

(a) brokerage and transaction costs which are incurred for the purpose of execution of trades may be capitalised to the extent of 12 bps in case of cash market transactions and 5 bps in case of derivatives transactions. Any payment towards brokerage and transaction cost, over and above the aforesaid limits may be charged to the Scheme within the maximum limit of TER mandated by Regulation 52(6) of the SEBI Regulations;

(b) expenses not exceeding of 0.30% of daily net assets, if the new inflows from such cities as specified by SEBI from time to time are at least (i) 30% of gross new inflows in the scheme, or (ii) 15% of the average assets under management (year to date) of the scheme, whichever is higher. Provided that if inflows from such cities are less than the higher of (i) or (ii) above, such expenses on the daily net assets of the Scheme shall be charged on a proportionate basis. Provided further that the expenses charged under this provision shall be utilised for distribution expenses incurred for bringing inflows from such cities. Provided further that the amount incurred as expense on account of inflows from such cities shall be credited back to the scheme in case the said inflows are redeemed within a period of one year from the date of investment. These additional expenses can be charged based on inflows only from retail investors (other than corporates and institutions) from B-30 cities. As per SEBI Circular dated March 25, 2019, inflows of amount upto ̀ 2,00,000/- per transaction, by individual investors from B-30 cities, shall be considered as inflows from retail investors. Additional commission for B-30 cities shall be paid as trail only.

(c) additional expenses, incurred towards different heads, not exceeding 0.05% of the daily net assets of the Scheme. However, such expenses will not be charged if exit load is not levied / not applicable to the Scheme.

Investors may note that GST on investment and advisory fees may be charged to the Scheme in addition to the maximum limit of TERs mentioned in the table above. GST on expenses other than investment and advisory fees, if any, shall be borne by the Scheme within the maximum limit of TER as mentioned in the table above. GST on brokerage and transaction costs paid for asset purchases, if any, shall be within the limit prescribed under Regulation 52 of the SEBI Regulations.

Any expenditure in excess of the said prescribed limit (including brokerage and transaction cost, if any) shall be borne by the AMC or by the Trustee or Sponsor.

The Mutual Fund would update the current expense ratios on the website at least three working days prior to the effective date of the change. Investors can refer to our website (http://www.barodamf.com/Downloads/Pages/expenseratio.aspx) for details on Total Expense Ratio (TER).

D. Actual expenses for the previous year

Not Applicable, as this is a new scheme.

Waiver of load for Direct Not Applicable. Pursuant to SEBI circular no. SEBI/IMD/CIR no. 4/168230/09 dated June 30, 2009 no entry load will be charged by the Scheme to investor.Applications

Tax treatment for the Investors Tax rates applicable as per the Finance Act, 2020:$(Unit Holders) Particulars Deduction of tax at source by the Fund In the hands of resident Investors

@Tax on Dividends NIL 10%

Capital Gains **

Long Term (above ̀ 1 lakh) Nil 10%*(Units held for more than 12 months)

Short Term Nil 15%*(Units held for not more than 12 months)

@ The Finance Act 2020 abolishes income distribution tax and instead proposes to tax income from mutual fund units in the hands of the unit holders.

Mutual funds are required to withhold tax on income in respect of units at the rate of 10% on income (in excess of INR 5,000) paid to a Resident & 20% on any income paid to a Non-Resident. However, CBDT issued a Press Release on May 13, 2020, announcing a reduction in rate of Tax Deduction at Source (TDS) & Tax Collection at Source (TCS) in order to provide more funds in the hands of taxpayers for dealing with economic situation arising out of COVID 19 Pandemic. The Rates of TDS for non-salaried specified payments made to the Residents has been reduced by 25% for the period 14th May 2020 to 31st March 2021.

Dividend Income is taxable in the hands of investor as per applicable tax rates/slab rates.

* Income-tax at the rate of 10% (without indexation benefit and foreign exchange fluctuation) to be levied on long-term capital gains exceeding Rs. 1 lakh provided transfer of such units is subject to STT.

** Securities transaction tax (STT) will be deducted on equity funds at the time of redemption / switch out to the other schemes.

$ Surcharge is applicable as follows :

Ø 10% of the tax payable to be levied on individuals /HUFs or AOP's or BOIs whose total income exceeds Rs 50 lakhs but does not exceed Rs 1 crore.

Ø 15% of the tax payable to be levied on individuals / HUFs or AOP's or BOIs whose total income exceeds Rs. 1 Cr but does not exceed Rs. 2 Cr.

Ø 25% of the tax payable to be levied on individuals / HUFs or AOP's or BOIs whose total income exceeds Rs. 2 Cr but does not exceed Rs. 5 Cr.

Ø 37% of Base tax where specified income exceeds Rs. 5 crores.

Specified income - Total income excluding income under the provisions of section 111A and 112A of the Act. Further, Health and Education cess to be levied at the rate of 4% on aggregate of base tax and surcharge.

Ø Surcharge at 7% to be levied for domestic corporate unit holders where income exceeds Rs 1 crore but less than Rs. 10 crores and at 12%, where income exceeds Rs. 10 crores.

Ø In case of Partnership firm, surcharge at 12% is applicable, where the income exceeds Rs.1 crore. If the income does not exceed Rs. 1 crore, the surcharge is NIL.

Ø However, surcharge at flat rate of 10 percent to be levied on base tax for the companies opting for lower rate of tax of 22%/15% as explained below:

Corporate Tax shall be levied at 25% for the financial year 2020-21, if the total turnover or gross receipts of the financial year 2018-19 does not exceed INR 400 crores. If a company decides to opt for the new taxation regime as per the Taxation Law Amendment Act, 2019, then tax shall be levied at the rate of 22%.

“Health and Education Cess” to be levied at the rate of 4% on aggregate of base tax and surcharge

Note (1):

Ø Cost of acquisition of units in the consolidating plan deemed to be cost of acquisition of the units in the consolidated plan.

Ø Period of holding of units in the consolidated scheme to include the period of holding of units in the consolidating scheme.

Note: Investors are requested to note that the tax position prevailing at the time of investment may change in future due to statutory amendments. The Mutual Fund will pay/deduct taxes as per the applicable tax laws on the relevant date. Additional tax liability, due to such changes in the tax structure, shall be borne by the Unit Holders and not by the AMC or Trustee.

Investors are advised to refer to the paragraph on Taxation in the Statement of Additional Information and also consult their own tax advisor with respect to the specific tax implications arising out of their participation in the Scheme.

Stamp Duty The investors are requested to please refer the section on Stamp Duty in the Scheme Information Document for applicability of stamp duty on mutual fund transactions

Daily Net Asset Value (NAV) The first NAV will be calculated and announced within a period of 5 Business Days from the date of allotment. Subsequently, the NAVs of the Scheme will be calculated and declared on the close of each Business Day.

The methodology of calculating the sale and repurchase price of units is given below :

Subscription (Sale) Price = Applicable NAV * (1+Entry Load)

E.g. If the Applicable NAV is ̀ 10, and Entry Load is 1%, then the subscription price will be : ̀ 10*(1+0.01) = ̀ 10.10

Unitholders may note that the Regulations do not permit any Entry Load for subscription of Units, and accordingly, the subscription price will be the Applicable NAV.

Redemption (Repurchase) Price = Applicable NAV * (1-Exit Load)

E.g. If the Applicable NAV is ̀ 10, and Exit Load is 1%, then the redemption price will be : ̀ 10*(1-0.01) = ̀ 9.90.

The AMC shall update the NAVs on the website of the Fund (www.barodamf.com) and of the Association of Mutual Funds in India - AMFI (www.amfiindia.com) on every Business Day. The same shall be made available to unit holders through SMS upon receiving a specific request in this regard.

NAVs can also be viewed on www.barodamf.com and www.amfiindia.com.

For Investor Grievances please Name and address of Registrar Details of Investor Relation Officer of the AMCcontact KFin Technologies Private Limited Name : Mr. Amitabh Ambastha

Karvy Selenium Tower B, Plot Number 31 & 32, Address : Baroda Asset Management India Ltd. Financial District Nanakramguda Serilingampally Mandal, CIN: U65991MH1992PLC069414Hyderabad - 500 032. 501 Titanium, 5th Floor, Western Express Highway, Goregaon (E), Mumbai - 400 063. Toll Free No. : 1800-2670-189 • Fax: +91 40 2331 1968 Tel. No. +91 22 6848 1000 • Toll Free No. 1800-2670-189 • Website : www.barodamf.comE-mail id: kfpl.bmfnct@kfintech.com Email: info@barodamf.com

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CHECKLIST OF DOCUMENTS TO BE ENCLOSED WITH APPLICATION FORM (AS APPLICABLE, REFER INSTRUCTIONS)

DocumentsCompany /

Body Corporates

Trusts SocietiesPartnership

FirmsHUF

NRI* / Individual

#FPIs

Investment Through

Const. AttorneyProprietorSr.

No.

* Non-resident are not required to obtain Aadhaar. # ^ Copy of SEBI registration certificate should be provided. Aadhaar for Non Individual - Consent of Individual Authorized Signatories should be provided in the specific format only. The mandatory requirement to submit the Aadhaar details/ documents by existing as well as new investors has been deferred till further notice.

1. Certificate of Incorporation / Registration ü ü ü ü ü

2. Resolution / Authorization to invest ü ü ü ü ü ü

3. Authorized Signatory List ü ü ü ü ü ü

4. MoA & AoA ü

5. Trust Deed ü

6. Bye Laws ü

7. Partnership Deed / Deed of Declaration ü ü

8. Notarized Power of Attorney ü

9. PAN Proof ü ü ü ü ü ü ü ü ü

10. KYC Acknowledgment ü ü ü ü ü ü ü ü ü

11. Latest Bank Passbook/ Bank Account Statement/ Cancelled Cheque ü ü ü ü ü ü ü ü ü

12. FACTA / CRS ü ü ü ü ü ü ü ü ü

13. UBO Declaration ü ü ü ü ü ü ü

14. Aadhaar No.^ ü ü ü ü ü ü ü ü ü

Unitholders’ Information Allotment Allotment will be completed within 5 Business Days from the closure of the NFO.Account statement(a) Units in physical mode

Investors opting to subscribe to / hold units in physical form, whether by way of a normal purchase or SIP / STP, will be sent, (i) by way of an e-mail and/or an SMS to their registered e-mail address and/or mobile number, an allotment confirmation, as soon as possible but not later than 5 Business Days from the date of acceptance of the request for subscription, and (ii) a CAS, as mentioned in ‘Consolidated Account Statement (CAS)’ below.

(b) Units in demat mode(i) Investors opting to subscribe to / hold Units in Demat form will be issued Units in Demat form, which will be credited to their demat account.(ii) The AMC shall issue Units in Demat form to a Unit Holder of the Scheme within two working days of the receipt of request from the said Unit Holder.

For investors who hold Units in dematerialized form, a demat statement shall be provided by the DP in such form and in such manner and at such time as provided in the agreement with the beneficial owner. Consolidated Account Statement (CAS)(i) On acceptance of an application for subscription or allotment of Units (including by way of SIP, STP, switch, bonus Units and reinvestment of dividends), an allotment

confirmation specifying the number of Units allotted will be sent by way of an email and/or an SMS, within 5 Business Days from the date of receipt of the application, to the Unit Holder’s registered e-mail address and/or mobile number.

(ii) Thereafter, the Unit Holder will be sent, on or before the 10th of the immediately succeeding month, by way of a mail / an e-mail, a CAS, containing the details of the transaction mentioned above as well as details of all other transactions effected by the Unit Holder across schemes of all mutual funds during the preceding month, including his/her/its holdings at the end of the said month and details of transaction charges paid to distributors, as applicable. Investors may note that CAS will be issued on a monthly basis to all investors in whose folios transactions have taken place during the month concerned.

(iii) For the purpose of sending CAS, common investors across mutual funds shall be identified by their PAN.(iv) For those investors / Unit Holders who have provided an e-mail address, CAS will be sent by way of an e-mail.(v) In case of a specific request received from a Unit Holder for a separate account statement, the AMC/Fund will provide such an account statement to the Unit Holder

concerned, within 5 Business Days from the receipt of the request.(vi) In the event of inability to send CAS, for any reason whatsoever, or on receipt of specific requests from Unit Holders/investors, the AMC will send separate account statements. (vii) In the event of a folio having more than one registered holder, the first named Unit Holder will receive the CAS / account statement. (viii) For folio(s) that are not updated with PAN details, it will not be possible to e-mail / mail CAS to the Unit Holders concerned. It is therefore in the interest of Unit Holders to

ensure that their folios are updated with their PAN details. (ix) In the case of a dormant investor, i.e. an investor in whose folio, no transaction has taken place during a six-month period ended March or September, a CAS detailing the

investors’ holdings across all Schemes of all mutual funds at the end of March or September, as the case may be, shall be sent by way of a mail / an e-mail on or before the 10th day of the month immediately succeeding the said March/September. The half yearly CAS will be sent by e-mail to Unit Holders whose e-mail address is available, unless a specific request is made by any Unit Holder to receive the CAS in physical form.

The Unit Holders who do not have Demat account shall continue to receive the Consolidated Account Statements (CAS) as per the existing practice. However, the following shall be applicable for Unit Holders having a Demat Account.• Investors having MF investments and holding securities in Demat account shall receive a Single Consolidated Account Statement from the Depository.• Consolidation of account statement shall be done on the basis of PAN. In case of multiple holding, it shall be PAN of the first holder and pattern of holding. • The CAS shall be generated on a monthly basis. In case there is no transaction in any of the mutual fund folios and demat accounts then CAS with holding details shall be

sent to the investor on half yearly basis.• If there is any transaction in any of the Demat accounts of the investor or in any of his mutual fund folios, Depositories shall send the CAS within ten days from the month end.The expression, ‘transaction’, includes purchase, redemption, switch, dividend pay-out, dividend reinvestment, SIP, SWP, STP and bonus transactions.Portfolio DisclosureThe AMC shall disclose the portfolio (along with ISIN) as on the last day of the month / half-year for all its schemes on its website (www.barodamf.com) and on the website of AMFI (www.amfiindia.com) within ten days from the close of each month / half year respectively in a user-friendly and downloadable spreadsheet format.In case of Unit Holders whose e-mail addresses are registered, the Mutual Fund / AMC shall send via e-mail both the monthly and half-yearly statement of scheme portfolio within 10 days from the close of each month / half-year respectively.The Mutual Fund / AMC shall publish an advertisement every half-year, in the all India edition of at least two daily newspapers, one each in English and Hindi, disclosing the hosting of the half-yearly statement of its schemes’ portfolio on its website and on the website of AMFI and the modes such as SMS, telephone, e-mail or written request, through which a Unit Holder can submit a request for a physical or electronic copy of the statement of scheme portfolio. The Mutual Fund / AMC shall provide a physical copy of the statement of its scheme portfolio, without charging any cost, on specific request received from a Unit Holder.Half Yearly Financial ResultsThe Mutual Fund shall, before the expiry of one month from the close of each half-year i.e. on 31st March and on 30th September, publish a complete statement of the Scheme’s portfolio in the prescribed format in one national English daily newspaper and in a newspaper in the language of the region where the head office of the Fund is situated. This shall also be displayed on the website of the Mutual Fund / AMC, with a link on the AMFI website.Also, within one month of the close of each half year, that is on 31st March and on 30th September, the Mutual Fund/AMC shall host a soft copy of its unaudited financial results on the AMC’s website. The AMC shall publish an advertisement disclosing the hosting of such financial results on its website, in at least one English daily newspaper having nationwide circulation and, in a newspaper, having wide circulation published in the language of the region where the head office of the Fund is situated. Necessary link to this shall be provided on the AMFI website.Annual ReportThe scheme-wise annual report of the Mutual Fund or an abridged summary thereof, shall be provided to all Unit holders not later than four months (or such other period as may be specified by SEBI from time to time) from the date of closure of the relevant accounting year (i.e. 31st March each year). The scheme-wise annual report shall be hosted on the website of the Mutual Fund / AMC (www.barodamf.com) and on the website of AMFI (www.amfiindia.com). In case of Unit Holders whose e-mail addresses are registered with the Mutual Fund, the scheme-wise annual reports or abridged summary thereof shall be e-mailed to such Unit Holders. The Mutual Fund / AMC shall provide a physical copy of the abridged summary of the Annual Report, without charging any cost, on specific request received from a Unit Holder.The Mutual Fund / AMC shall publish an advertisement in the all India edition of at least two daily newspapers, one each in English and Hindi, every year disclosing the hosting of the scheme-wise annual report on its website and on the website of AMFI and the modes such as SMS, telephone, e-mail or written request, through which a Unit Holder can submit a request for a physical or electronic copy of the scheme-wise annual report or abridged summary thereof.The full Annual Report shall be available for inspection at the Head Office of the Mutual Fund and a copy thereof shall be made available to the Unit Holders on request.

Date: July 31, 2020

The key difference between the schemes of the Mutual Fund are as under :

Baroda Multi Cap Fund(Earlier known as Baroda Pioneer Growth Fund)(Multi Cap Fund - An open ended equity scheme investing across large cap, mid cap & small cap stocks)

The main objective of the scheme is to generate long term capital appreciation from an actively managed portfolio of equity & equity related instruments.

Equity & Equity Related Securities 75-100

Debt & Money Market Instruments 0-25

The scheme shall, under normal circumstances, not have exposure of more than 10% of its net assets in derivative instruments.

Name & type of scheme

Asset Allocation Pattern

Types of InstrumentsNormal Alloc-ation (% of Net

Assets)

Investment Objective

Assets under managementas on July22,

2020 (` in crore)

No. of folios as on July 22, 2020

Key Differences

The fund invests across market capitalization and therefore, it has no specific bias towards market capitalization.

Baroda Hybrid Equity Fund(Earlier known as Baroda Pioneer Balance Fund)(An open ended hybrid scheme investing predominantly in equity and equity related instruments.)

The scheme is targeted for long-term capital appreciation along with stability through a well balanced portfolio comprising of equity and debt securities.

Equity & Equity related Instruments 65-80

Debt securities & Money Market Instruments 20-35

The scheme shall, under normal circumstances, not have exposure of more than 50% of its net assets in derivative instruments. The scheme may invest in securitized debt upto 50% of its net assets. The scheme may invest in foreign securities upto 25% of its net assets.

The fund is a balanced scheme and does not follow restrictions in terms of sectors, industries, market capitalization etc.

REITs and InvITs 0-10

Baroda ELSS’96(An open ended equity linked saving scheme with a statutory lock in of 3 years and tax benefit)

The main objective of the scheme is to provide the investor long term capital growth as also tax benefit under section 80C of the Income Tax Act, 1961.

Debt & Money Market Instruments 0-20

The scheme shall, under normal circumstances, not have exposure of more than 50% of its net assets in derivative instruments.

The fund is an equity linked tax saving scheme.

Equity & Equity Related Securities 80-100

Baroda Banking and Financial Services Fund(An open ended equity scheme investing in banking and financial services sector)

The investment objective is to generate long-term capital appreciation for unit holders from a portfolio invested predominantly in equity and equity related securities of companies engaged in the Banking & Financial Services Sector.

Equity & Equity related securities of companies engaged in Banking & Financial Services Sector, including derivatives*

80-100

Debt and Money Market Instruments 0-20

* Investment in derivatives may be made upto 50% of the net assets of the scheme.The scheme may invest in securitized debt upto 20% of its net assets. The scheme may invest in foreign securities upto 25% of its net assets.

The fund is a sectoral scheme wh ich inves ts on ly in companies engaged in the bank ing and f i nanc ia l services sector.

Investment in REITs and InvITs 0-10

75-100Baroda Mid-Cap Fund(Mid Cap Fund - An open ended equity scheme predominantly investing in mid cap stocks)

The primary objective of the scheme is to generate capital appreciation by investing predominantly in a diversified portfolio of equity and equity related securities of growth oriented mid cap stocks.

Equity & Equity related instruments including derivatives* of mid-cap companies

*Investment in equity derivatives may be made up to 50% of the net assets of the scheme.The scheme may invest in securitized debt upto 20% of its net assets. The scheme may invest in foreign securities upto 25% of its net assets.

The fund is a mid-cap fund, which predominantly invests in growth oriented mid-cap stocks.

Equity & Equity related instruments including derivatives* of large cap/small cap companies

0-35

Debt, money market instruments and cash 0- 35

Investment in REITs and InvITs 0-10

Baroda Large Cap Fund(Large Cap Fund - An open ended equity scheme predominantly investing in large cap stocks)

The primary investment objective of the Scheme is to genera te cap i ta l appreciation by investing predominantly in a diversified portfolio of equity and equity related securities of large cap companies. The scheme may also invest in debt and money market securities.

Equity & Equity related instruments including derivatives* of large cap companies

80-100

*Investment in equity derivatives may be made upto 50% of the net assets of the scheme. The scheme may invest in securitized debt upto 20% of its net assets.The scheme may invest in foreign securities upto 25% of its net assets.

The fund is a large cap fund, which predominantly invests in growth oriented large cap stocks.

Equity & Equity related instruments including derivatives* of other than large cap companies

0-20

Debt, money market instruments and cash 0-20

Investment in REITs and InvITs 0-10

Baroda Dynamic Equity Fund(An open ended dynamic asset allocation fund)

The primary objective of the Scheme is to generate capital appreciation by investing in a portfolio of equity or equity linked securities while the secondary objective is to generate income through investments in debt and money market instruments. It also aims to manage risk through active asset allocation.

Equity & equity related securities 65-100

*Investment in securitized debt will not exceed 10% of the net assets of the Scheme. The Scheme will not invest in foreign securitized debt.

Gross equity exposure will be maintained between 65% to 100% and the net long equity exposure will be between 30% to 100%. The Scheme may take derivatives positions up to 50% of the net assets of the Scheme, based on the opportunities available, subject to the guidelines issued by SEBI from time to time, and in line with the overall investment objective of the Scheme.These may be taken to hedge or rebalance the portfolio, or to undertake any other strategy as may be permitted under the Regulations from time to time. The Scheme may engage in stock lending to the extent of 20% of the net assets of the Scheme.

The extent of equity exposure in the fund will be guided by an underlying quantitative model, while the balance will be invested in equity /debt derivatives and debt and money market securities.

Debt and money market instruments* 0-35

Units issued by REITs & InvITs 0-10

805.52 1,94,773

432.32 44,822

162.54 30,367

40.11 10,045

47.05 9,395

35.06 6,737

629.49 39,729

Baroda Equity Savings Fund(An open ended scheme investing in equity, arbitrage and debt)

The primary objective of the Scheme is to generate capital appreciation and income by using arbitrage opportunit ies, investment in equity / equity related instruments and debt/ money market instruments.However, there is no assurance or guarantee that the investment objective of the Scheme will be realized.

65-90 The fund is an open ended scheme investing in equity, arbitrage and debt securities, using both hedged as well as unhedged strategies.

0-50

15-90

Equity & equity related securities of which:

(i) Equity and equity related securities (unhedged); &

(ii) Equities, equity related securities and derivatives including index futures, stock futures, index options, & stock options, etc. as part of hedged / arbitrage exposure (hedged)

450.79 21,762

10-35Debt and money market instruments*

Units issued by REITs & InvITs 0-10

* Investment in securitized debt will not exceed 10% of the net assets of the Scheme. The Scheme will not invest in foreign securitized debt.

7

I. GENERAL INSTRUCTIONS :

1. Please read the Combined Scheme Information Document Equity (“SID”), Statement of Additional Information (“SAI”) and Key Information Memorandum (“KIM”), containing the terms of offer, carefully, before investing.

It must be understood clearly that you are deemed to have accepted the terms, subject to which this offer is being made and bind yourself to the terms upon signing the Application Form and tendering payment.

2. Please fill up the Application Form in English in BLOCK LETTERS, using black or dark blue ink.

3. Please strike out any section of the Application Form that is not applicable to you. Wherever tick boxes have been provided in the Application Form, please tick the appropriate box, as applicable to you. Please ensure that correction/cancellation of any of the mandatory information is countersigned by all applicants.

4. Please ensure that you provide all requisite details and all supporting documents, as applicable to you.

5. Please note that Application Forms (i) which are incomplete, or (ii) which have any over writing on any field without the counter signature of all applicants, or (iii) which are invalid/ambiguous/not accompanied by necessary supporting documents, or (iv) not accompanied by a payment instrument or an account-to-account transfer instruction for the amount payable, or (v) which the Trustee to Baroda Mutual Fund (“Fund”) may choose to reject for any other reason determined at its sole discretion, are liable to be rejected. In such an event, the money paid will be refunded/returned to the applicant concerned, without interest. Refund under such circumstances will be made by cheques or pay order drawn on the Bankers of the Fund.

6. Applicants who have an existing folio number with the Fund are requested to mention that in the earmarked space.

II. APPLICANTS’ INFORMATION :

1. Please mention your name in full, without any abbreviation. Write your name exactly as it appears in your Aadhaar Card, or in the incorporation document, as the case may be. In case units are applied for in electronic mode (demat mode), please write your name exactly in the same manner as it appears in the records of the depository.

2. If the investment is on behalf of a minor, please keep the following points in mind while filling up the Application Form:

• The minor shall be the sole holder in the account (joint holding is not permissible) and nomination facility shall not be available. Details of joint holders and nomination, even if mentioned, will not be considered.

• The guardian of the minor shall be a natural guardian (i.e. father or mother) or a court appointed legal guardian.

• Details such as the minor’s name and date of birth, guardian’s relationship with the minor, guardian’s name, PAN and KYC etc. are mandatory, along with supporting documents. Photo copy of a document evidencing the date of birth of minor such as birth certificate or school leaving certificate or passport or any other suitable proof should be enclosed with the Application Form.

• Where the guardian is a court appointed legal guardian, suitable supporting documentary evidence should be provided.

• If the mandatory details and/or documents are not provided, the application is liable to be rejected.

3. In case of payment by cheque, please write the Applicant's name and the Application Serial Number on the reverse of the cheque.

4. Please mention the Pin Code in the Address column. In case the PIN Code is not mentioned, all correspondence will be sent by registered / ordinary post.

5. All communication and/or payments will be made to the sole/first applicant.

6. It shall be mandatory to provide the mobile number. In case of joint holder, mobile number of the first holder is required to be mentioned.

7. 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. For HUFs, the Karta should sign on behalf of the HUF. For partnership firms, a partner should sign on behalf of the firm. Similarly, for an Association of Persons or a company, the Application Form must be signed by the Authorised Signatory/Signatories, as applicable.

8. Only individual(s) can make nomination. Please refer Instruction VII for further details regarding nomination.

9. Where units are held in the names of two or three persons, such persons shall be deemed to hold the units on a first holder basis. In case of HUF/ Partnership Firm/AoP/Company etc., no joint holding will be considered. All tax exemptions can be availed of only by the first holder, in case of additional holdings. Please note that if you do not mention the mode of holding in the Application Form, it will be deemed to be “joint”.

10. In case of applications under a Power of Attorney (“PoA”) or by a limited company or by a body corporate or Eligible Institution or a registered society or a trust or a fund, the original PoA or a certified true copy thereof, duly notarized, and the relevant resolution or authority to make the application, as the case may be, including authority granted in favour of the officials signing the Application Form and their specimen signature or duly certified true copies thereof, along with a certified true copy of the Memorandum and Articles of Association and/or bye-laws and/or trust deed and/or partnership deed as well as the certificate of registration, must be lodged at the office of the Registrar, quoting the serial number of the Application Form simultaneously with the submission of the Application Form, failing which the said Form is liable to be rejected.

11. Any application without broker code will be treated as a ‘Direct Investment’.

12. Any subsequent changes in static information such as address, bank details, sub-option etc. will be based on written communication from investors. These changes will be effected within 5 days of the valid signed request reaching the office of the Registrar KFin Technologies Private Limited (“Registrar”) at Hyderabad, and any interim financial transactions will be effected with last available/registered details only.

13. All allotments will be provisional, subject to realisation of payment instrument and subject to Baroda Asset Management India Limited (“AMC”) having been reasonably satisfied that the Fund has received clear funds. Any redemption or switch-out transaction in the interim is liable to be rejected at the sole discretion of the AMC.

III. BANK ACCOUNT DETAILS :

1. SEBI regulations have made it mandatory for applicants/investors to mention their bank account numbers in their purchase applications/requests for redemptions. Please provide the full particulars of the Bank Account of the sole/first applicant, such as nature of Account, Account Number, 9 digit MICR Code Number (for Electronic Credit Facility), branch address of the bank etc. in the appropriate space in the application Application Form. Please provide the MICR code / IFSC code to help you in future for ECS / NEFT credit of redemption payouts. Please attach a copy of a cancelled cheque leaf. Application forms (and redemption requests) without the mandatory bank details are liable to be rejected.

2. Redemption proceeds and dividends will be (i) despatched by a reasonable mode of despatch such as courier, registered post, ordinary post/UCP etc. in case the payment is made by cheque or (ii) directly credited to the first applicant/holder’s Bank Account (as per the details mentioned by the investor) in case the applicant(s) avail of the direct credit facility, RTGS or NEFT, and this shall be entirely and solely at the risk of the applicant(s).The applicant(s) will not hold the Fund or the AMC or the Registrar or the Trustee to the Fund responsible for any non-receipt or delay of receipt of redemption proceeds or dividends due to any

negligence or deficiency in service by the courier company, postal authorities or the bank executing the direct credit/RTGS/NEFT, or due to incorrect bank account details provided by the applicant(s).

3. Multiple Bank Accounts Registration Facility and Updation of Bank Accounts :

• The Fund offers its investors the facility to register multiple bank accounts for pay-ins &pay-outs and designate one such registered bank account as “Default Bank Account”. Individuals, HUFs and sole proprietary firms can register upto five bank accounts and a non-individual investor can register upto ten bank accounts in a folio. You may avail of this facility by using the “Multiple Bank Accounts Registration Form”, available at ISCs and on the website of the AMC, www.barodamf.com. You may update the bank accounts in your account/folio at any time either through the aforesaid Multiple Bank Accounts Registration Form or through a standalone separate Change of Bank Mandate form. You may download the multiple Bank Form from our website www.barodamf.com.

• If no “Default Bank Account” is specified, the AMC reserves the right to designate any of the bank accounts as the ‘Default Bank Account’. Default Bank Account will be used for all redemption payouts, if no other registered bank account is specified in the redemption request for receiving redemption proceeds, or if a new unregistered bank account is specified in the redemption request for receiving redemption proceeds.

• New bank accounts/change of bank mandate can be registered using the Multiple Bank Accounts Registration Form or through a standalone separate Change of Bank Mandate form, as mentioned earlier. In case a Unit holder provides a new and unregistered bank mandate or a change of bank mandate request along with a specific redemption/dividend payment request (with or without necessary supporting documents), such bank account will not be considered for payment of redemption/dividend proceeds. The Proceeds of such a redemption/dividend payment request will be sent only to the bank account that is already registered and validated in the folio at the time of processing of the transaction. Please note that any payments to any unregistered bank account or a new bank account forming part of redemption request shall not be entertained or processed.

• For any request for change of bank mandate/registering a new Bank account using the Multiple Bank Accounts Registration Form or a standalone Change of Bank Mandate form, please enclose, in respect of the new Bank Account:

• An original cancelled cheque leaf of the new Bank account, with the first applicant's / unit holder's name and Bank account number printed on the face of the cheque OR

• An original cancelled cheque of the New Bank Account without printed name AND Bank Account number and one of the following:

• A latest original Bank statement;

• The original Bank passbook with current entries not older than 3 months;

• An original letter duly signed by the branch manager/authorized personnel of the Bank.

If photocopy of any document is submitted, the copy should be certified by the Bank, or the original should be produced for verification.

In addition to the above, the AMC may require, in respect of the existing bank mandate which is undergoing a change on account of registering the new bank account, any one of the following documents:

• An original cancelled cheque with the first unit holder’s name and bank account number printed on the face of the cheque;

• A latest original copy of bank statement/passbook (if photocopy is submitted, it has to be certified by the Bank, or the original has to be produced for verification);

• Original letter issued by the bank on the letterhead, confirming the bank account holder with the account details, duly signed and stamped by the branch manager or

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

Please note that any request without the necessary documents will be treated as invalid and will not be acted upon, and any financial transaction, including redemption, will be carried out with the previously registered details only.

• Valid change of bank mandate requests with supporting documents will be processed within ten days of the documents reaching the head office of the Registrar, and any financial transaction request received in the interim will be carried out based on the previously registered details. Please note that a new unregistered bank account specified in any redemption request for receiving redemption proceeds will not be considered.

• If you are a first-time investor, the bank account mentioned in the Application Form will be treated as the default bank account, unless a separate request (Multiple Bank Accounts Registration Form) to register multiple bank accounts and to use any one of those registered bank accounts as the default bank account is submitted by the investor.

• Registered bank accounts may also be used for verification of pay-ins (i.e. receiving subscription funds) to ensure that a third-party payment instrument is not used for subscription. The default bank account will be used for all redemption payouts, unless the Unit holder(s) specifies/specify one of the existing registered bank accounts in the redemption request for receiving redemption proceeds. However, in case Unit holder(s) does/do not specify the default account, the Fund reserves the right to designate any of the registered bank accounts as the default bank account.

4. If you opt to hold units in demat mode, please provide bank account details linked with your demat account. In case of any discrepancy, the details as per the depository will prevail.

IV. KNOW YOUR CUSTOMER (KYC) AND PERMANENT ACCOUNT NUMBER (PAN) COMPLIANCE :

1. PAN :

• SEBI has made it mandatory for all applicants (in the case of application in joint names, each of the applicants) to mention their PAN, irrespective of the amount of purchase.

• Where the applicant is a minor and does a not possess his / her own PAN, he / she shall quote the PAN of his/ her father or mother or the court appointed legal guardian, as the case may be.

• In order that the AMC/Registrar may verify that the PAN of the applicants (in case of application in joint names, each of the applicants) has been correctly quoted in the Application Form, please attach along with the Application Form, a photocopy of the PAN card self-certified, or provide the original PAN Card for verification. The original PAN Card will be returned immediately across the counter after verification.

• Applications (i) by investors residing in the state of Sikkim, (ii) by officials appointed by courts such as official liquidator, court receiver etc. and (iii) for subscription by the Central Government and/or a State Government are exempt from the mandatory requirement of PAN, however sufficient documentary evidence shall have to be submitted to enable verification that they are residents of the state of Sikkim. Investors (being individuals) applying for Micro SIP registrations are exempt from mandatory requirement of PAN submission. Such set of customers, however, need to complete the necessary KYC requirements, and get a unique reference number from the KRA’s system called PAN Exempt KYC Reference No. (PEKRN).

INSTRUCTIONS FOR FILLING UP THE APPLICATION FORM

A copy of the KRA issuance letter containing PEKRN should be attached with each application/ transaction.

• In the event of any Application Form being subsequently rejected for mismatch of applicant's PAN details with the details on the website of the Income Tax Department, the investment transaction will be cancelled and the amount may be redeemed at the applicable NAV, subject to levy of exit load, if any. Please contact any of the Investor Service Centres / Registrar / Distributors or visit our website, www.barodamf.com, for further details.

2. KYC :

• To simplify KYC norms and make them more investor friendly and uniform across all intermediaries registered with SEBI, SEBI has recently laid down certain changes in the KYC process. The primary objective behind this is to eliminate duplication of KYC across intermediaries in the securities market. For this purpose, KYC registration is being centralized through KYC Registration Agencies (“KRA”) registered with SEBI. Thus, each investor has to undergo a uniform KYC process only once in the securities market and the details would be shared with other intermediaries by the KRAs. CDSL Ventures Ltd. (“CVL”), who was retained by mutual funds for centralized registration and record keeping of KYC records, has obtained SEBI registration as a KRA. Further, SEBI has mandated an In Person Verification (“IPV”) of clients to be carried out as part of KYC. IPV shall be a one-time process, and once it is carried out by an intermediary, may be relied upon by other intermediaries also. For mutual funds, IPV may be carried out by the AMC or by the Registrar, or by Know Your Distributor (“KYD”) compliant distributors who hold valid certifications issued by the National Institute of Securities Market (“NISM”)/ Association of Mutual Funds in India (“AMFI”) for their own clients or by Scheduled Commercial Banks (SCB).

• Under the new uniform KYC norms, the following shall be applicable for investing in the Scheme under this KIM :

1. For New Investors who are not KYC compliant under the erstwhile or new KYC norms:

a. KYC Application Form to be used, which is attached along with the application.

b. IPV/ Document verification to be done by the Registrar/AMC/KYD compliant distributors/SCBs.

c. Acknowledgement to be issued to the investor to facilitate subsequent investments from the investor.

d. KYC application and necessary documents should either come along with a financial transaction or when the account is opened. This is in line with demat and bank account opening process.

2. For New Investors who have already done their KYC with any other SEBI registered intermediary under the new KYC norms: a. Such KYC compliant investors would not be required to do KYC again.

3. For Existing Investors in the MF Industry: They will not be required to do KYC again.

• Investors who have completed their Centralised KYC (CKYC) and have obtained KYC Identification Number (KIN) from the Central KYC Records Registry (CKYCR), may quote their KIN while investing.

• KYC compliance with a KRA and enclosing the KYC Acknowledgement along with the Application Form are mandatory for all investors, including individuals, non-individuals, NRIs and channel investors, irrespective of the amount of application/value of transaction. Applicants applying for units through a PoA must ensure that the KYC Acknowledgement of both the issuer of the PoA and the holder of the PoAare enclosed along with the Application Form. The KYC Acknowledgement referred above will be issued by the KRA when an investor submits to the KRA, a KYC application and the prescribed documents. This KYC Acknowledgement is issued by the KRA as a token of having verified the identity and address of the investor(s) and for efficient retrieval of records.

• KYC status will be validated with the records of the KRA before allotting units. The Fund/AMC will not be held responsible and /or liable for rejection of KYC Form by the KRA. Where it is not possible to verify the KYC compliance status of the investor at the time of allotment of units, the Registrar/AMC/Trustee shall verify the KYC compliance status of the investor within a reasonable time after the allotment of units. In the event of non-compliance of KYC requirements, the Trustee / AMC reserves the right to freeze the folio of the investor(s) and effect mandatory redemption of unit holdings of the investors at the applicable NAV, subject to levy of exit load, if any. In case of an investor applying for CKYC effective February 1, 2017, if there is a mismatch in the name appearing in the CKYC application form and the one mentioned in the Proof of Identity (POI) document, CERSAI will reject the CKYC application. Investors are, therefore, advised to ensure that their names appearing in the CKYC application form and in the POI document are same.

• Please note that you need to comply with the KYC requirements by submitting requisite documents to the Registrar/AMC/Fund or any SEBI registered KRA and attaching the KYC Acknowledgement with the Application Form. For more information, please log on to www.cvlindia.com / www.amfiindia.com, before investing.

Applications are liable to be rejected if KYC requirements are not complied with by all the applicants, and if KYC acknowledgement is not enclosed with the Application Form.

Please note that KYC applicability norms for various investor categories may change anytime in future. Hence, with a view to avoiding rejections, investors are requested to apprise themselves about KYC applicability before submitting their transactions.

V. INTIMATION TO INVESTORS :

Please note the following with respect to intimation to investors / unit holders regarding change of any request / rejection of such request:

• For any change or rejection of any request such as bank mandate, address etc., you may be intimated by way of letters or, if registered with the AMC/Fund, by way of emails and/or SMS.

• On receipt of any request for change of address or bank accounts, the AMC/Registrar will carry out necessary changes in the records, and send you an intimation letter to your old and new addresses, besides an intimation via e-mail and/or sms, if registered with the AMC/Fund.

• In case your request for change of address is rejected of due to any reason such as signature difference, the rejection intimation letter shall be sent to your old and new addresses, as well as via email and/or sms, if registered with the AMC/Fund.

• In case you have submitted a request for change of email ID or mobile number, the change intimation will be sent to your old and new email IDs and/or mobile numbers.

VI. INVESTMENT DETAILS AND PAYMENT PROCEDURE :

1. Please mention the Option (Dividend/Growth) and Sub-Option (Reinvestment) you would like to invest in. In case you do not mention the Option, Growth Option will be deemed to be the default Option and units will be allotted to you under this Option.

2. Payment may be made by MICR cheque drawn on/made payable at all such places where Investor Service Centers (“ISC”) are located and mailed to the nearest ISC. The Cheque must be drawn in the name of the scheme and crossed "ACCOUNT PAYEE & NOT NEGOTIABLE". Further, in order to avoid fraud and prevent misuse of payment instruments, investors are advised to draw payment

instrument (i.e. cheque, pay order etc.) favouring either name of scheme - <Name of the First Investor>” or name of scheme - <Permanent Account Number of the First investor>” or name of scheme - <Folio number>”.

3. In case of subscription by NRIs/ FIIs, in case the payment is made through Indian Rupee drafts purchased abroad or from FCNR or NRE Accounts, an Account Debit Certificate from the bank issuing the draft, confirming the debit should be submitted. For subscription made through NRE/ FCNR account cheques, the Application For must be accompanied by a photocopy of the cheque or Account Debit letter/Certificate from the banker.

4. Overseas Corporate Bodies, i.e. firms & societies which are held directly or indirectly but ultimately to the extent of at least 60% by NRIs & trusts, in which at least 60% of the beneficial interest is similarly held irrevocably by such persons, shall not be allowed to invest in the Scheme.

5. Subscription by Multilateral Funding Agencies, on full repatriation basis, is subject to approval by the Foreign Investment Promotion Board.

6. Application Form (duly completed), along with a cheque (drawn on the nearest ISC/ transaction acceptance centre)/ may be sent by mail directly to the nearest ISC / transaction acceptance centre, or at Hyderabad may be sent to the Registrar, viz. KFin Technologies Private Limited, Karvy Selenium Tower B, Plot number 31 & 32, Financial District, Nanakramguda, Serilingampally Mandal, Hyderabad - 500 032.

7. Please note the following points before submitting the Application Form at any of the collection centres.

i) Stock invests, outstation cheques, post-dated cheques, post-dated account-to-account transfer instructions, money orders and postal orders will not be accepted and Application Forms accompanied by such payment instruments are liable to be rejected.

ii) Cheques once returned in clearing will not be presented again, and the accompanying Application Form may not be considered for allotment.

8. The right to accept or reject any application in whole or in part lies with the Trustee to the Fund.

9. Third Party Payments -

• A payment towards subscription by cheque /RTGS/NEFT or any mode whatsoever is regarded as a ‘Third Party’ payment, if the payment is issued from a bank account other than that of the beneficiary investor. In order to safeguard the interests of applicants and avoid fraudulent transactions in any other name, the Fund does not generally accept Third Party Payments. The first applicant has to be one of the joint holders of the bank account from which the payment is made via cheque/Funds transfer/RTGS/NEFT. Therefore, please mention the bank account number, bank name & branch address from where the payment is issued and ensure that they match with details on the payment instrument, where applicable.

• Where the payment instrument does not mention the bank account holder’s name(s), please attach bank pass book copy/bank statement (showing the account number, account holder’s name and address)/bank letter (mentioning details like bank account number, branch address, account type etc.), with a view to substantiating that the first applicant is one of the joint holders of the bank account concerned.

• In case of RTGS, NEFT, ECS, bank transfer etc., please submit an acknowledged copy of the instruction to the bank stating the account number to be debited.

• In specific and exceptional situations where Third Party payments are permitted, such as (i) payment by parents / grand parents / related persons* on behalf of a minor (other than by a registered guardian) in consideration of natural love and affection or as gift for value not exceeding ̀ 50,000 for each purchase or (ii) payment by a custodian on behalf of an FII or a client, and (iii) payment by an employer on behalf of employees, KYC of the investor and KYC of the person making the payment are both mandatory, irrespective of the amount. Additionally, a joint declaration is also required to be submitted. *‘Related Person’ means any person investing on behalf of a minor in consideration of natural love and affection or as a gift.

• The AMC reserves the right to reject the Application Form, or call for additional details, if the payment bank account and other details are not mentioned on the Application Form and/or do not match with the payment instrument and/or necessary documents and declaration, as applicable to respective investors and transactions, are not attached or are insufficient. In case the funds are transferred to the Scheme account prior to the rejection of the Application Form, the amount transferred may not be refunded or redeemed unless the investor establishes KYC with additional documentation.

• Investors are advised to visit www.barodamf.com for more details, including the formats.

10. Please note that:

(i) Regular Plan is meant for investors who route their investments through distributors only.

(ii) Direct Plan is meant for direct investments, i.e. for investors who purchase/subscribe to the units of the Scheme directly with the Fund, and is not available for investors who route their investments through a Distributor.

Both Plans will have a common portfolio, but Direct Plan will have a lower expense on account of absence of brokerage and commission. Hence both plans will have distinct NAVs.

VII. NOMINATION :

1. Nomination is mandatory where the mode of holding is single. Hence, Application Forms for sole applicants, without nomination, are liable to be rejected. Nomination can be made only by individuals applying for/holding units on their own behalf singly. Even those investors who do not wish to nominate must sign separately confirming their intention to not nominate. Where the mode of holding is joint, nomination is not mandatory; however a separate declaration indicating the wish not to nominate shall be given.

2. Nomination shall not be permitted if the investment is on behalf of a minor. However, minors can be nominated and in that event, the name, address & signature of the guardian of the minor nominee(s) shall be provided by the applicant.

3. The Nominee shall not be a trust, society, body corporate, partnerships firm, member of Hindu Undivided Family or a Power of Attorney holder. A nonresident Indian can be a nominee, subject to the policy of exchange control for the time being in force.

4. Nomination in respect of the units stands rescinded upon transfer / transmission / switch-over of units.

5. Transfer of units in favour of Nominee(s) shall be valid discharge by the AMC against the legal heirs, executors, administrators, etc.

6. Cancellation of nomination can be made only by those individuals who hold units in their own name, either solely or jointly, and who have originally made the nomination.

7. On cancellation of nomination, the nomination shall stand rescinded and the AMC shall not be under any obligation to transfer the units in favour of the nominee(s).

8. The rights in the units will vest in the nominee(s) only upon the death of all Unit Holders.

INSTRUCTIONS FOR FILLING UP THE APPLICATION FORM (CONTD.)

9. Nomination can be made in favour of a maximum of three nominees. In case of multiple nominees, the percentage of the allocation/share should be in whole numbers (without any decimals), making a total of 100%.In the event of the applicants not indicating the percentage of allocation/share for each of the nominees, the AMC, by invoking the default option, will settle the claim equally amongst all the nominees.

10. Nomination will maintained at the folio / account level and will be applicable for all investments in that folio or account.

11. Where a folio has joint holders, all joint holders shall sign the request for nomination, even if the mode of holding is not “joint”.

VIII. TRANSACTION CHARGE :

The following transaction charges shall be applicable:

(i) Nil on subscription amounts of less than ̀ 10,000/-;

(ii) ` 100/- on every subscription of ̀ 10,000/- and above for an existing investor in mutual funds;

(iii) ` 150/-* on a subscription of `10,000/- and above for an investor investing in mutual funds for the first time.

(iv) For SIP, transaction charges will be recovered in 4 installments

*In the case of any applicable transaction, where the AMC/Fund/Registrar is unable to identify whether the investor concerned is a first-time investor in mutual funds, ̀ 100/- will be charged as transaction charge.

The transaction charges referred to in (ii) and (iii) above will be payable only for transactions done through a distributor who has opted to receive the transaction charge.

IX. EMPLOYEE UNIQUE IDENTIFICATION NUMBER :

SEBI circular dated September 13, 2012 has directed AMCs to capture in the Application Form, in addition to the AMFI Registration Number (ARN) of the distributor, the Unique Identity Number (EUIN) of the employee/relationship manager/sales person of the distributor who has interacted with the investor concerned for the sale of the relevant mutual fund scheme. It is mandatory to mention the EUIN in the box provided for this in the Application Form, particularly in advisory transactions, as the EUIN will assist in tackling issues relating to mis-selling even if the employee/relationship manager/sales person leaves the employment of the distributor.

X. REDEMPTION / REFUND PAYOUTS :

Baroda Mutual Fund shall credit redemption proceeds / refund payout into the investor’s account electronically, in case the IFSC Code /MICR code has been provided by the investor. An investor who purchases units through a broker / clearing member in electronic mode will receive units in his/her/its account through his/her/its broker / clearing member’s pool account. The AMC will credit the units to the broker / clearing member's pool account, and they in turn will credit the units to the investor's account. Credit of units to the broker / clearing member's pool account by the AMC shall discharge the AMC of its obligation of allotment of units to the investor. In case of Bank / Broker / Clearing Member not crediting the investors bank account with /without assigning any reason for it or if the transaction is delayed or not effected at all for reasons of incomplete or incorrect information, the investor shall not hold Baroda Mutual Fund responsible. In case the account number furnished by the investor is found incorrect, the investor shall not hold Baroda Mutual Fund responsible for the credit going to the wrong account. Further, Baroda Mutual Fund reserves the right to issue a payable at par cheque, in case it is not possible to make payment by NEFT /ECS.

XI. COMPLIANCE UNDER FOREIGN ACCOUNT TAX COMPLIANCE ACT (FATCA) :

As mentioned by SEBI in its circular no. CIR/MIRSD/2/2014 dated Aug 26, 2015, India and the United States of America (“USA”) have signed an agreement on July 9, 2015, on the terms of an Inter-Governmental Agreement (“IGA”) to implement Foreign Accounts Tax Compliance Act (“FATCA”). Further, the Organization of Economic Development (“OECD”) along with G-20 countries has released a ‘Standard for the along with G-20 countries has released a ‘Standard for Automatic Exchange of Financial Account Information in Tax Matters’ commonly known as Common Reporting Standard (‘CRS’). India is signatory to the Multilateral Competent Authority Agreement (“MCAA”) for the purposes of CRS.

The AMC / Mutual Fund is classified as “Foreign Financial Institution” under the FATCA provisions. The intention of FATCA is that the details of U.S. investors holding assets outside the U.S. will be reported by financial institutions to the United States Internal Revenue Service (IRS), as a safeguard against U.S. tax evasion. As a result of FATCA, and to discourage non-U.S. financial institutions from staying outside this regime, financial institutions that do not enter and comply with the regime will be subject to a 30% withholding tax with respect to certain U.S. source income. Under the FATCA regime, this withholding tax applies to payments that constitute interest, dividends and other types of income from the US sources. The AMC/Mutual Fund would be required to collect relevant information(s) from the investors towards FATCA / CRS compliance and report information on the holdings or investment to the relevant authorities as per the stipulated timelines.

Details under FATCA & CRS: The Central Board of Direct Taxes has notified Rules 114F to 114H, as part of the Income- tax Rules, 1962, which Rules require Indian financial institutions such as Investment Entities to seek additional personal, tax and beneficial owner information and certain certifications and documentation from all our account holders. In relevant cases, information will have to be reported to tax authorities / appointed agencies. Towards compliance, we may also be required to provide information to any institutions such as withholding agents for the purpose of ensuring appropriate withholding from the account or any proceeds in relation thereto.

Should there be any change in any information provided by you, please ensure you advise us promptly, i.e., within 30 days.

Please note that you may receive more than one request for information if you have multiple relationships with Baroda Mutual Fund or its group entities. Therefore, it is important that you respond to our request, even if you believe you have already supplied any previously requested information.$It is mandatory to supply a TIN or functional equivalent if the country in which you are tax resident issues such identifiers. If no TIN is yet available or has not yet been issued, please provide an explanation and attach this to the form.

In case customer has the following Indicia pertaining to a foreign country and yet declares self to be non-tax resident in the respective country, customer to provide relevant Curing Documents as mentioned below:

FATCA & CRS Indicia observed (ticked)

Documentation required for Cure of FATCA/ CRS indicia

U.S. place of birth

1. Self-certification that the account holder is neither a citizen of United States of America nor a resident for tax purposes;

2. Non-US passport or any non-US government issued document evidencing nationality or citizenship (refer list below);AND

3. Any one of the following documents:

Certified Copy of “Certificate of Loss of Nationality”.

or Reasonable explanation of why the customer does not have such a certificate despite renouncing US citizenship;

or Reason the customer did not obtain U.S. citizenship at birth.

Residence/mailing address in a country other than India

1. Self-certification that the account holder is neither a citizen of United States of America nor a tax resident of any country other than India; and

2. Documentary evidence (refer list below).

Telephone number in a country other than India

If no Indian telephone number is provided

1. Self-certification that the account holder is neither a citizen of United States of America nor a tax resident of any country other than India; and

2. Documentary evidence (refer list below).

If Indian telephone number is provided along with a foreign country telephone number

1. Self-certification that the account holder is neither a citizen of United States of America nor a tax resident for tax purposes of any country other than India; OR

2. Documentary evidence (refer list below).

Telephone number in a country other than India

1. Self-certification that the account holder is neither a citizen of United States of America nor a tax resident of any country other than India; and

2. Documentary evidence (refer list below).

List of acceptable documentary evidence needed to establish the residence(s) for tax purposes:

1. Certificate of residence issued by an authorized government body*.

2. Valid identification issued by an authorized government body* (e.g. Passport, National Identity card, etc.).

*Government or agency thereof or a municipality of the country or territory in which the payee claims to be a resident.

Applicants are required to refer to the information on FATCA contained in the application form. Signing up of declaration or filling up of indicia, as applicable, is mandatory, in the absence of which, the applications are liable to be rejected.

XII.

The Ministry of Finance (Department of Revenue) in consultation with the Reserve Bank of India has made certain amendments to the Prevention of Money Laundering (Maintenance of Records) Rules, 2005, namely, the Prevention of Money Laundering (Maintenance of Records) Second Amendment Rules, 2017 (“Amended Rules”), effective June 1, 2017, which inter alia make it mandatory for investors to submit their Aadhaar number issued by the Unique Identification Authority of India (UIDAI) and other prescribed details in respect of their investments.

i. Requirements for all folios prior to June 01, 2017:

For folios existing prior to June 01, 2017, investors are required to submit the requisite details / documents, as stated above, by December 31, 2017. In case of failure by such investors, to submit the above details by December 31, 2017, the folios of such investors shall cease to be operational till the time the above details are submitted by the investors.

ii. Requirements for folios opened between June 01, 2017 and October 15, 2017:

For folios opened between June 01, 2017 and October 15, 2017, investors are required to submit the requisite details / documents, as stated above, by December 31, 2017. In case of failure by such investors, to submit the above details by December 31, 2017, the folios of such investors shall cease to be operational till the time the above details are submitted by the investors.

iii. Requirements for folios opened from October 16, 2017 to December 31, 2017:

For all folios opened from October 16, 2017 to December 31, 2017, investors are required to submit the requisite details / documents, as stated above, at the time of account opening. In case of failure by such investors, to submit the above details at the time of account opening, the AMC may, at its sole discretion, open the account pending receipt of the requisite details/ documents. In such cases where the AMC decides to open the account, if the investors fail to submit the requisite details/ documents by December 31, 2017, the folios of such investors shall cease to be operational till the time the above details are submitted by the investors.

iv. Requirements for folios opened from January 01, 2018:

For all folios opened from January 01, 2018, investors are required to submit the requisite details / documents, as stated above, at the time of account opening. No new folios shall be opened from January 01, 2018, if the requisite details / documents, as stated, are not submitted at the time of account opening.

Where the investors who are individuals or in the case of investors who are non-individuals, managers, officers or employees or persons holding an attorney to transact on the investor’s behalf, as the case may be, do not have an Aadhaar number, the proof of enrolment for Aadhaar can be submitted. However, in such cases, the Aadhaar number shall be required to be provided for eventual authentication within the prescribed timeframe of 6 months as aforesaid, failing which the account / folio shall cease to be operational.

The mandatory requirement to submit the Aadhaar details/ documents by existing as well as new investors has been deferred till further notice.

XIII VIRTUAL PAYMENT INTERFACE (VPI)

Unified Payments Interface (UPI) is a payment system launched by National Payments Corporation of India and regulated by the Reserve Bank of India which facilitates the instant fund transfer between two bank accounts on the mobile platform. It is a quick and easy way to send and receive money using a Virtual Payment Address without entering additional bank details. Investors can use their VPAs to make investment if registered for online transactions on our website www.barodamf.com.

AADHAAR

INSTRUCTIONS FOR FILLING UP THE APPLICATION FORM (CONTD.)

Application Form for Lumpsum

BARODA LARGE & MID CAP FUNDNFO Opens : 17 August, 2020 & NFO Closes : 31 August, 2020

NAME AS PER PAN CARD

Minor through guardian

Others

Resident Individual Foreign National Resident in India NRI - Non Repatriation Body Corporate

NGO Sole Proprietorship

NRI-Repatriation

Society / Club PartnershipAOPOCIPIOQFICompanyFPIsTrustHUFLLPBOI

Status of the First Applicant (Mandatory, please ü)

Please read product labeling details available on cover page and the instructions before filling up the Application Form. Tick ( ) whichever is applicable, strike out whichever is not required.P

TRANSACTION CHARGES FOR APPLICATIONS THROUGH DISTRIBUTORS ONLY (Please refer Instructions VIII)

Existing Folio Number

In case the subscription amount is 10,000/- or more and your distributor has opted to receive Transaction Charges, they are deductible, as applicable, from the purchase / subscription amount and payable to the distributor. Units will be issued against the balance amount.

`

I confirm that I am an existing investor across Mutual Funds.( 100 deductible as Transaction Charge and payable to the Distributor)`

I confirm that I am a first time investor across Mutual Funds.(` 150 deductible as Transaction Charge and payable to the Distributor)

ACKNOWLEDGEMENT SLIP (To be filled in by the investor)

Signature, Stamp & Date

Received from Mr. / Ms. / M/s.

Option (please )P Growth Dividend

along with Cheque / UTR No. D D M M Y Y Y YDated

Amount `Drawn on (Bank)

an Application for scheme

Sub-option (please )P Reinvestment

SOLE / FIRST APPLICANT'S PERSONAL DETAILS (Please fill in ALPHABETS and use one box for one alphabet, leaving one box blank between two words, as it appears in your PAN Card)

PAN

City

Pincode State Country (Mandatory)

MODE OF HOLDING Default Option: Joint JointORSingle Anyone or SurvivorOR (Please refer Instructions II)

Address [P. O. Box Address is not sufficient] (Indian address, in case of NRIs/ FPI's)

Name of the Guardian (in case First / Sole Applicant is minor) / Contact Person - Designation / PoA Holder (In case of Non-Individual Investors)

SECOND APPLICANT'S Name

THIRD APPLICANT'S Name Mr Ms

Name Mr Ms M/s

*Wherever email ID is registered, an electronic Statement of Account (e-SOA) will be shared with the investor. In case you want to receive a physical statement, please request for the same separately.Investors are advised to give their email IDs or that of their family member and not third party so that the important communication from the Fund reaches them directly and in time. This will also prevent any unintended consequences that can arise out of providing third party email ids.^ Mandatory

Phone (Off.) Fax No. Mobile No.^Phone (Res) Email ID1*

Status (please )PEmail ID2* Dependent ParentsSelf Spouse Dependent Children

Pay-out

Mr Ms

DISTRIBUTOR INFORMATION (Only empanelled Distributors / Brokers will be permitted to distribute Units of Baroda Mutual Fund)

I/We hereby confirm that the EUIN box has been intentionally left blank by me/us as this transaction is executed without any interaction or advice by the employee/relationship manager/ sales person of the above distributor/sub broker or notwithstanding the advice of in-appropriateness, if any, provided by the employee/relationship manager/sales person of the distributor/ sub broker.

1st Applicant Signature / Guardian Signature / POA Signature / Thumb Impression 3rd Applicant Signature / POA Signature / Thumb Impression2nd Applicant Signature / POA Signature / Thumb Impression

Distributor / Broker ARN Sub-Broker Code LG CodeEUINSub-Broker ARN RIA Code

Add convenience to your life with our value added service

Simply send **SMS to 9212 132763 to avail the below facilities

Balance SMS BAL <space> last 6 digits of Folio No.

NAV SMS NAV <space> last 6 digits of Folio No.

Statement thru Email SMS ESOA <space> last 6 digits of Folio No.

Last 3 Transactions SMS Transaction <space> last 6 digits of Folio No.

**SMS charges as per service provider applicable.

SMSSMSInvestor can avail below facilities

1. NAV

2. Account Balance

3. Account Statement

4. Last 5 TransactionsIVR

24x7

9 am to 6 pm - Monday to Saturday on all Business Days

nd th9 am to 2 pm on 2 & 4 Saturdays of the Month

For more details call : 1800-2670-189 (Toll Free)

www.barodamf.com

#PAN/PEKRN

Date of Birth

First Applicant**

Aadhaar

Second Applicant Third Applicant

KIN No (CKYC)

D D M M Y Y Y Y

**Incase Minor / POA

Guardian (In case of Minor) POA Holder

Name

Relationship

Date of Birth of Minor

PAN/PEKRN

Aadhaar

Mobile No.*

D D M M Y Y Y Y

Information (*Mandatory)

# #(Refer Instruction IV) Please attach PAN proof.

I/We hereby provide my /our consent in accordance with Aadhaar Act, 2016 and regulations made thereunder, for (i) collecting, storing and usage (ii) validating/authenticating and (ii) updating my/our Aadhaar number(s) in accordance with the Aadhaar Act, 2016 (and regulations made thereunder) and PMLA.

I/We hereby provide my/our consent for sharing/disclosing my Aadhaar number(s) including demographic information with the asset management companies of SEBI registered mutual funds and their Registrar and Transfer Agents (RTA) for the purpose of updating the same in my/our folios.

Consent

Signature

D D M M Y Y Y Y D D M M Y Y Y Y

Politically Exposed Person (PEP) Self Related Not Applicable Self Related Not Applicable Self Related Not Applicable

Is the entity involved in any of the following services:

• Foreign Exchange/ Money Changer Yes No • Gaming/ Gambling/ Lottery (casinos, betting syndicates) Yes No • Money Lending/ Pawning Yes No

Gross Annual Income

Occupation of the Applicant

Net-worth* in ` (Lacs)*Should not be older than one year (Mandatory for Non-Individual)

Networth as of date

Non-Individuals

D D M M Y Y Y Y D D M M Y Y Y Y D D M M Y Y Y Y

Public Co.(Listed) Public Co.(Unlisted)

Housewife Builder Sports Defence

Student Business Professional Retired

Forex Dealer Gov. Service Agriculture

Pvt. Sector Service

Entertainment

Public Sector Service

Other

OR

Information to Investor's

The purpose of collection/usage of Aadhaar number including demographic information is to comply with applicable laws/rules/regulations and provision of the said data is mandatory as per applicable laws/rules/regulations. The mandatory requirement to submit the Aadhaar details/ documents by existing as well as new investors has been deferred till further notice.

Post obtaining the Aadhaar number, we shall authenticate the same in accordance with the Aadhaar Act, 2016.

We shall receive your demographic information which shall be used only to comply with applicable laws / rules / regulations.

25 L-1 Cr

<1L

> 1 Cr and so on

5-10 L1- 5 L

10-25 L

Public Co.(Listed) Public Co.(Unlisted)

Housewife Builder Sports Defence

Student Business Professional Retired

Forex Dealer Gov. Service Agriculture

Pvt. Sector Service

Entertainment

Public Sector Service

Other

Public Co.(Listed) Public Co.(Unlisted)

Housewife Builder Sports Defence

Student Business Professional Retired

Forex Dealer Gov. Service Agriculture

Pvt. Sector Service

Entertainment

Public Sector Service

Other

25 L-1 Cr

<1L

> 1 Cr and so on

5-10 L1- 5 L

10-25 L 25 L-1 Cr

<1L

> 1 Cr and so on

5-10 L1- 5 L

10-25 L

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

State Country Zip Code

KIN Nos. (CKYC)

Mobile No.*

REDEMPTION / REFUND PAYOUTS (Refer Instruction X for details)

Option (please )P Growth Dividend

Scheme Name

SCHEME DETAILS (Please choose the Option and Sub-option for Investment, please read product labeling details available on Cover Page and Instruction before filling this section)

GROSS AMOUNT (A) A

MODE OF PAYMENT NEFT / RTGSCheque

Cheque DetailsA/c No. A/c Type

Cheque No. DD M M Y Y Y YDate

NET AMOUNT (CHEQUE AMOUNT)CHARGES (IF ANY) (B) B

Drawn on Bank

In case of NEFT / RTGS payment UTR No.

` `

Name of the Bank Branch

Pincode State City

Bank Address

MICR Code (9 digits)

*IFSC Code for NEFT / RTGS

*This is an 11 Digit Number, kindly obtain it from your Bank Branch.Example for filling

the Account No.

Ac. No.

In words

1

One

3

Three

5

Five

7

Seven (Please attach copy of cancelled cheque)

Account no. (in words)

Account No. (in figures) Account Type Savings Current NRO NRE Others

FIRST HOLDER'S BANK ACCOUNT DETAILS (Mandatory) Refer Instruction III. All communication / payments will be made to the first applicant, or to the Karta in case of HUF. Bank account details of first applicant are required, without which the application is liable to be rejected.

Name of Applicant

Place/ City of Birth

Country of Birth

#Country of Tax Residency

Tax Payer Ref. ID No^

Identification Type[TIN or other, please specify]

Country of Tax Residency 2

Tax Payer Ref. ID No. 2

Identification Type[TIN or other, please specify]

Country of Tax Residency 3

First Applicant (including Minor)Category Second Applicant/ Guardian Third Applicant

#To also include USA, where the individual is a citizen/ green card holder of USA. ^In case Tax Identification Number is not available, kindly provide its functional equivalent.

Identification Type[TIN or other, please specify]

Tax Payer Ref. ID No.3

Virtual Payment Address (VPA) (of the Sole / First Holder / Guardian) (for Payment through UPI) (Refer Instruction XIII for more details)

FATCA & CRS INFORMATION [Please tick (ü)] For Individuals & HUF (Mandatory) Non Individual investors should mandatorily fill seperate FATCA detail form

Refer Instruction XI for more details The below information is required for all applicant(s)/ guardian

Address Type: Residential or Business Residential Business Registered Office (for address mentioned in form/existing address appearing in Folio)

Please indicate all countries in which you are resident for tax purposes and the associated Tax Reference Numbers below.

Is the applicant(s) Country of Birth / Nationality / Tax Residency other than India?

If “Yes”, please provide the following information (Mandatory)

First Applicant (including Minor)

Yes No

Second Applicant Third Applicant

Yes No Yes No

UPI

Baroda Large & Mid Cap Fund

Pay out Reinvestment

Plan (please P) Regular Direct

DEMAT ACCOUNT DETAILS National Securities Depository Limited Central Depository Services (India) Limited

Depository Participant Name Mr / Ms / M/s

DP ID No. Client ID No.I N

INVESTMENT DETAILS (Strike off whichever is not applicable) Only Lumpsum Only SIP Lumpsum & SIPOTM

A minus B

NOMINATION DETAILS (To be filled in by individuals singly or jointly. Mandatory only for Investors who opt to hold units in Non-Demat Form) Refer Instruction VII.

Name and Address of the Nominee(s)

Relationshipbetween Nominee

& Investor

Name & Address of Guardian(to be furnished in case the nominee is minor)

Signature of Guardian / Nominee

Proportion (%) by which the units will be shared by each nominee

(% to aggregate to 100%)Date of Birth

Nominee 1

Nominee 2

Nominee 3

I/We have read and understood the contents of the scheme related documents and hereby apply for allotment of units in the Scheme. I/We agree to abide by the terms, conditions, rules & regulations governing the Scheme. I/We hereby declare that I/We am/are authorized to make this investment and that the amount invested in the Scheme is through legitimate sources only and does not involve and is not designed for the purpose of any contravention or evasion of any act, rule, regulation, notification or direction or any other applicable laws issued by the Government of India or any regulatory or statutory authority. I/We have understood the details of the Scheme and in the event “Know Your Customer” process is not completed by me/us to the satisfaction of the AMC, I/We hereby authorize the AMC to redeem the funds invested in the Scheme, in favour of the first applicant at the applicable NAV prevailing on the date of such redemption and to undertake such other action with such funds as may be required by law. I/We hereby authorise Baroda Mutual Fund, its Investment Manager and its agents to disclose details of my investment to my bank(s)/Baroda Mutual Fund’ bank(s) and/or Distributor/Broker/Investment Adviser.

The ARN holder has disclosed to me/us all the commission (in the form of trail commission or any other mode), payable to him/it for the different competing schemes of various mutual funds from amongst which the Scheme is being recommended to me/us. I/We have neither received nor been induced by any rebate or gifts, directly or indirectly, in making this investment. I/We declare that the information given in this application form is correct, complete and truly stated. If I/We have not ticked for not appointing a nominee, then the Application Form shall be processed as without nomination.

Applicable for “Execution Only” transaction : I/We, the undersigned, hereby acknowledge and confirm that the above transaction is “Execution Only” as explained vide SEBI circular no. CIR /IMD/DF/13/2011 dated 22 August 2011. This investment is being made notwithstanding the advice of the appropriateness/inappropriateness of the same and the distributor has not charged any advisory fees on this transaction.

Applicable for NRIs : I/We confirm that I am/we are Non-Residents of Indian nationality/origin but not residents of the United States and Canada and I/we hereby confirm that I/we have remitted funds from abroad through approved banking channels or from my/our monies in my/our domestic account maintained in accordance with applicable RBI guidelines.

I / We have understood the information requirements of this Form (read along with the FATCA & CRS Instructions) and hereby confirm that the information provided by me/us on this Form is true, correct, and complete. I / We also confirm that I / We have read and understood the FATCA & CRS Terms and Conditions below and hereby accept the same.

Applicable for FATCA & CRS :

DECLARATION AND SIGNATURES

1st Applicant Signature / Guardian Signature / POA Signature / Thumb Impression

2nd Applicant Signature / POA Signature /Thumb Impression

3rd Applicant Signature / POA Signature / Thumb Impression

DDMMYYYY

DDMMYYYY

DDMMYYYY

Visit us at : www.barodamf.com

Toll Free Number No. : 1800 2670 189

9 am to 6 pm - Monday to Saturday on all Business Days

nd th 9 am to 2 pm on 2 & 4 Saturdays of the Month

Email:info@barodamf.com

PAN BASED NACH MANDATE CUM SIPREGISTRATION FORM

DISTRIBUTOR INFORMATION (Only empanelled Distributors / Brokers will be permitted to distribute Units of Schemes covered by this KIM)

TRANSACTION CHARGES FOR APPLICATIONS THROUGH DISTRIBUTORS ONLY (Please refer instructions for filling up the Application Form - VIII)

In case the subscription amount is ̀ 10,000/- or more and your distributor has opted to receive Transaction Charges, they are deductible, as applicable, from the purchase / subscription amount and payable to the distributor. Units will be issued against the balance amount.

I confirm that I am an existing investor across Mutual Funds.( ` 100 deductible as Transaction Charge and payable to the Distributor)

I confirm that I am a First time investor across Mutual Funds.( ` 150 deductible as Transaction Charge and payable to the Distributor)

Change in Bank Account for existing Registration with BMFNew Registration with BMFFirst SIP cheque and subsequent via Auto Debit / ECS if the Bank is not participating in ACH Platform. (Please attach copy of cheque / cancelled cheque)

MICRO SIP (Only for Micro SIP - for aggregate investment not exceeding ` 50,000 in a financial year)

Signature

INVESTOR AND INVESTMENT DETAILS

Folio / Application No. (Existing Investors : please mention Folio Number)

Scheme Option and Sub Option

PAN DETAILS (Mandatory) *If the First Applicant is a Minor, please state the details of Guardian. # Please attach PAN proof. # (Refer Instruction IV)

I/We hereby confirm that the EUIN box has been intentionally left blank by me/us as this is an “execution-only” transaction without any interaction or advice by the employee/relationship manager/sales person of the above distributor or notwithstanding the advice of in-appropriateness, if any, provided by the employee/relationship manager/sales person of the distributor and the distributor has not charged any advisory fees on this transaction.

Please refer the SIP : Terms & Conditions while filling up the Form. Tick (P) whichever is applicable, strike out whichever is not required.Please read product labeling details available on cover page and the instructions before filling up the Application Form. Tick (P) whichever is applicable, strike out whichever is not required.

SIP AND PAYMENT DETAILS

First/Sole Applicant* Second Applicant Third Applicant

SIP Cancellation

I/We have read and understood the contents of the scheme related documents and hereby apply for allotment of units in the Scheme. I/We agree to abide by the terms, conditions, rules & regulations governing the Scheme. I/We hereby declare that I/We do not have any existing Micro SIPs which together with the current application will result in aggregate investments exceeding ̀ 50,000 in a year. I/We have neither received nor been induced by any rebate or gifts directly or indirectly in making this Systematic Investment. The ARN holder has disclosed to me/us all the commissions (in trail commission or any other), payable to him for the different competing schemes of mutual funds from amongst which the Scheme is being recommended to me/us. I/We hereby declare that the particulars given here are correct and express my/our willingness to make payments referred above through direct debit/participation in ECS. If the transaction is delayed or not effected at all for reasons of incomplete or incorrect information, I/We would not hold Baroda Mutual Fund, Baroda Asset Management India Limited, its investment manager, or any of their appointed service providers or representatives responsible. I/We will also inform Baroda Asset Management India Limited about any changes in my/our bank account. I/We have read and agreed to the terms and conditions mentioned overleaf.

1st A/c Holder's Signature (as per Mutual Fund Record) / POA / Guardian 2nd A/c Holder's Signature (as per Mutual Fund Record) / POA / Guardian 3rd A/c Holder's Signature (as per Mutual Fund Record) / POA / Guardian

st th th thSIP date should be either 1 / 10 / 15 / 25 (Note: Cheque should be drawn on bank details provided below) (Note: Please allow minimum one month for auto debit to register and start).I hereby authorise Baroda Mutual Fund (BMF) and their authorised service providers to debit my following bank account by ECS (Debit Clearing) / auto debit to account for collection of SIP payments.

Each SIP Amount ( ` )

Amount in wordsst1 SIP Cheque Details

SIP Auto Debit Dates

Frequency Status: RI NRIMonthly (Default) Calendar Quarter

D D M M Y Y Y YDateCheque No.

D D M M Y Y Y YEnd OnD D M M Y Y Y YStart FormSIP Period1st 10th 15th 25th of the month

OR Perpetual Until Cancelled (99 years) (Default)

Distributor / Broker ARN Sub-Broker Code LG CodeEUINSub-Broker ARN RIA Code

DEBIT MANDATE FOR NACH

With Bank IFSC or MICR

An Amount of Rupees `

Folio No. Phone No.

PAN No. Email ID

PERIOD

From D D M M Y Y Y Y

To D D M M Y Y Y Y

Or Until cancelled1. Name as in Bank Records 2. Name as in Bank Records 3. Name as in Bank Records

Signature Primary Account holder Signature Account holder Signature Account holder

Bank A/c. Number

I/We hereby authorize To debit (tick P)BARODA MUTUAL FUND SB / CA / CC / SB NRE / SB NRO / OtherTick (P) Create Modify Cancel

Sponsor Bank Code Utility Code

Declaration: This is to confirm that the declaration has been carefully read, understood & made by me/us. I am authorizing the User entity/ Corporate to debit my account, based on the instruction as agreed and signed by me. I have understood that I am authorized to cancel/amend this mandate by appropriately communicating the cancellation / amendment request to the User entity / Corporate of the bank where I have authorized the debit.

Date D D M M Y Y Y YUMRN

FREQUENCY Mthly Qtrly H-Yrly Yrly As & when presented DEBIT TYPE Fixed Amount Maximum Amount

I Agree for the debit of mandate processing charges by the bank whom I am authorizing to debit my accounts as per latest schedule of charges of the bank.

For Office Use Only

For Office Use Only For Office Use Only

Investor Bank Name and Branch

Sole / First Investor Name

1. In case of new applications, kindly attach duly filled in application form along with registration cum NACH (National Automated Clearing House) mandate form. Any other format of request will be rejected.

2. Completed application form, SIP auto debit/NACH form & first cheque should be submitted at Baroda Asset Management India Limited (AMC) offices or KFin ISC’s atleast 30 days prior to first SIP cycle date.

3. New investor in to the Fund should mandatorily give a cheque for the first transaction drawn on the same bank account which is to be debited under NACH/Auto Debit. In case the 1st cheque is issued from an A/c which is different from NACH /auto debit A/c, then a copy of cheque from NACH/ auto debit A/c as mentioned on the application form should be submitted.

4. The bank mentioned in NACH request must participate in local MICR clearing. MICR code starting and/or ending with “000” are not valid for NACH.

5. The AMC, the Registrar and other service providers shall not be responsible and liable for any financial loss that may be incurred by the investor with regard to SIP registration process, including any issue relating to NACH or auto debit registration.

6. Should the investor wish to cancel the SIP registration, the cancellation request shall be submitted 21 working days prior to the next SIP cycle date.

7. Should the investor wish to change the Bank Mandate any time during the currency of SIP, he / she should tick the appropriate box in the Mandate Form, fill in the revised bank details and submit the same to AMC or its Registrar and Transfer Agent. Such revised form must be submitted 30 days prior to the next SIP Cycle date.

Systematic Investment Plan (SIP) : Terms & Conditions

Following fields need to be filled mandatorily.

1. Date: In format DD/MM/YYYY.

2. Select the appropriate checkbox to create, modify or cancel the mandate.

3. Sponsor Bank Code and Utility Code to be left blank.

4. Bank A/c Type: Tick the relevant box.

5. Fill Bank Account Number.

6. Fill name of Destination Bank.

7. IFSC / MICR code: Fill respective code.

8. Mention amount of mandate.

9. Select frequency of mandate.

10. Mention Folio Number.

Instructions to fill in SIP NACH Mandate

8. Existing investors who wish to restart their SIPs, are required to submit NACH form duly signed by the bank account holder(s), indicating the existing Folio No. & investment details in the Form & submit the same along with the copy of a cancelled cheque / photocopy of the cheque, drawn on the same bank account registered in the SIP form.

9.

10. The Registrar will reject a Micro SIP application where it is found that the registration of the application will result in the aggregate of Micro SIP installments in a financial year exceeding ` 50,000 or where there is any deficiency in the application form or any supporting document In case the first Micro SIP installment is processed (as the cheque may be banked), and the application / supporting document is found to be defective, the Micro SIP will be ceased for future installments. No refunds shall be made for the units already allotted. Investor, can however, redeem the units if so desired.

11. The investor(s) agrees to discharge the responsibility expected of him/them as a participant/s under NACH and hereby confirm adherence to the terms of the mandate. The investor(s) has/have authorized use of their contact details mentioned on the form/NACH mandate for the purpose of processing the mandate instruction and further authorize the bank(s) to debit the investor’s account for any charges towards mandate verification, registration, transactions, etc. as may be applicable.

12. Where a onetime mandate is already registered in a folio for a bank account, the Unit Holder(s) will have to fill only the SIP Registration Form and there is no need of a separate cheque to be given along with the SIP Registration Form.

Should an investor opt for a monthly SIP, the minimum number of months for which the investment will have to be made (SIP Period) shall be minimum monthly / Qtrly SIP amount as per SID to be modified. It should be ` 500/- & ` 1500/- for 1 year / 4 qtr respectively.

11. Mention Scheme Name.

12. Telephone Number.

13. Email ID (Optional).

14. Period: Starting and Ending dates of NACH registration (in format DD/MM/YYYY). For

perpetual SIP, please leave the end date blank and select “until cancelled”.

15. Signature as per bank account.

16. Mention Holder Name as per Bank Record.

17. Auto Debit/NACH Mandate is applicable for both Individual and Non-Individual.

18. Auto Debit/NACH Mandate request is liable to be rejected only if the “Bank”

mentioned in the request form is listed in the NACH banks list.

19. Baroda will initiate debit instructions to the investor bank account only on receipt of

valid investment instruction from the investor.

Distributor/Broker ARN Sub-Broker Code LG CodeEUINSub-Broker ARN Bar Code

For Office use only

*If the First Applicant is a Minor, please state the details of Guardian. # Please attach PAN proof.

Baroda Large & Mid Cap Fund(An open-ended equity scheme investing in both large cap and mid cap stocks)

APPLICATION SUPPORTED BY BLOCKED AMOUNT (ASBA) FORM

BROKER/AGENT INFORMATION FOR OFFICE USE ONLY

(If you have an existing folio number, please mention the number here)

Mr / Ms / M/s

NAME OF FIRST APPLICANT (Name should be as available in Demat Account)

FOLIO NUMBER

Please refer the ASBA Instructions while filling up this form. Tick (P) whichever is applicable.

I confirm that I am a First time investor across Mutual Funds.( ` 150 deductible as Transaction Charge and payable to the Distributor)

I confirm that I am an existing investor across Mutual Funds.( ` 100 deductible as Transaction Charge and payable to the Distributor)

In case the subscription amount is ̀ 10,000/- or more and your distributor has opted to receive Transaction Charges, they are deductible, as applicable, from the purchase / subscription amount and payable to the distributor. Units will be issued against the balance amount.

TRANSACTION CHARGES FOR APPLICATIONS THROUGH DISTRIBUTORS ONLY (Please Refer Instruction VII of the NFO Application Form)

DETAILS OF BANK ACCOUNT FOR BLOCKING OF FUNDS AND PAYMENT

an application for purchase of units in Baroda Large & Mid Cap Fund

SCSB Stamp, Signature

a) I/We have read & understood the contents of the SID and KIM of the Scheme and the SAI. I/We hereby apply for units of the Scheme & agree to abide by the terms, conditions, rules & regulations governing the Scheme. I / We hereby declare that the amount invested in the Scheme is through legitimate sources only & does not involve & is not designed for the contravention of any Act, Rule, Regulation, Notification or Direction or the provisions of the Income Tax Act, Anti Money Laundering Laws, Anti Corruption Laws or any other applicable law enacted by the Govt. of India or any other statutory authority from time to time. I / We have understood the details of the Scheme and in the event "Know Your Customer" process is not completed by me/us to the satisfaction of the AMC, I/we hereby authorise the AMC to redeem the funds invested in the Scheme, in favour of the first applicant at the applicable NAV prevailing on the date of such redemption and to undertake such other action with such funds as may be required by law. b) For NRIs : I/we confirm that I am/we are Non Residents of Indian Nationality / Origin & that I /we have remitted funds form abroad through approved banking channels or from funds in my/our Non-Resident External / Non-Resident Ordinary Account. I/we confirm that details provided by me / us are true and correct. I/ We confirm that I / we hold a valid PAN card. c) The ARN holder has disclosed to me / us all the commission (in the form of trail commission or any other mode), payable to him / it for the different competing schemes of various mutual funds from amongst which the Scheme is being recommended to me/us.

1) I/We hereby under take that I/We am/are an ASBA Investor as per the applicable provisions of the SEBI (Issue of Capital and Disclosure Requirements) Regulations, 2009 (“SEBI Regulations”), as amended from time to time. 2) In accordance with the ASBA process provided by the SEBI Regulations and as disclosed in this application, I/We authorize (a) the SCSB concerned to do all necessary acts to enable subscription to the Units of Baroda Large & Mid Cap Fund (“Scheme”) through the ASBA facility, including but not limited to blocking of application money towards the aforesaid subscription of Units, to the extent mentioned in this form, or transfer of funds to the Bank account of the Scheme/Baroda Mutual Fund on receipt of instructions from the Registrar after the allotment of Units entitling me/us to receive Units on such transfer of funds, etc. (b) the Registrar to issue instruction to the SCSB concerned to remove the block on the funds in the bank account specified in this form, upon allotment of Units and to transfer the requisite money to the Scheme’s account / Bank account of Baroda Mutual Fund. 3) In case the amount available in the bank account specified in this form is insufficient for blocking the amount equivalent to the application money towards the aforesaid subscription of Units, the SCSB concerned has the right to reject the application. 4) If the DP ID, Beneficiary Account No. or PAN furnished by me/us in this form is incorrect or incomplete or does not match with the depository records, the application is liable to be rejected and Baroda Mutual Fund and/or the AMC or SCSBs shall not be liable for losses, if any, suffered by me/us on this account. 5) I/we shall address all future communication in connection with the NFO to the SCSB concerned/Registrar/AMC quoting the full name of the Sole/First Applicant, NFO Application Number, ASBA Application Number, Depository Account details, amount applied for and the bank account number from where the NFO amount was blocked.

CONTACT DETAILS - FIRST APPLICANT / GUARDIAN / OTHERS (PO Box address is not sufficient. Mobile number and email are mandatory to avail of online facility.)

` In figures

ACKNOWLEDGMENT SLIP (to be filled in by the investor)

Received from Mr / Ms / Mrs / M/s

SCSB Account details: Account No.

Branch

Bank Name

Time of receipt `

Total Amount to be blocked

in words

Signature of Bank Account Holders

DECLARATION AND SIGNATURES

UNDERTAKING BY ASBA INVESTOR

`In figures `

DEPOSITORY/ DEMAT ACCOUNT DETAILS

National Securities Depository Limited

Depository Participant Name

DP ID No. Beneficiary A/c No.

Mr Ms M/s

Central Depository Services (India) Limited

Depository Participant Name

Target ID No.Mr Ms M/s

PAN DETAILS (Mandatory)

Second Applicant

Third ApplicantGuardian*

PAN # (Refer Instruction IV of the NFO Application Form)

First / Sole Applicant

Bank Account Number

Bank Name

Branch Name where account is held

Total Amount to be blocked

Name of Contact Person (In case of non Individual Investor)

Address

City

State Pincode Landline No.

Plan (please ü) Direct Regular

Scheme Name

SCHEME DETAILS (Please choose the Option for Investment)

Baroda Large & Mid Cap Fund

Mr Ms M/s

in words

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Option (please ü) Growth Dividend Payout / Reinvestment

APPLICATION SUPPORTED BY BLOCKED AMOUNT (ASBA) INSTRUCTIONS

What is ASBA?

ASBA is an application for subscribing to an NFO, and contains an authorization to block the application money in a bank account.

What is a Self Certified Syndicate Bank (SCSB)?

An SCSB is a banker to an issue which is registered with SEBI and offers the facility o f a p p l y i n g t h r o u g h t h e A S B A p r o c e s s . P l e a s e v i s i t www.sebi.gov.in/pmd/scsb.html or www.nseindia.com for the list of currently available SCSBs offering ASBA facility through their designated branches.

Key points with regard to investing through ASBA

1. If you wish to invest using the ASBA facility, please submit the ASBA Application Form at any of the designated branches of an SCSB with which you hold a bank account which is intended to be blocked for the subscription amount and will be mentioned as such in the ASBA Application Form (“Bank Account”). Please check with your bank branch to confirm whether the branch offers ASBA facility. You may submit the ASBA application form physically or electronically. In case you wish to submit the ASBA Application Form in physical mode, you may submit it at any of the designated branches of the SCSB concerned. If, however, you wish to submit the ASBA Application Form in electronic form, you may submit the ASBA Form either through the internet banking facility available with the SCSB concerned, or through any other electronically enabled mechanism for subscribing to the units of the scheme, which authorizes the SCSB concerned to block the subscription money. Please note that the ASBA Application Form will not be accepted by Baroda Asset Management India Limited (“AMC”) any of the Investor Service Centres or the Registrar, KFin Fintech Private Limited (“Registrar”).

2. Please ensure that you mention in the ASBA Application Form, the correct number of your Bank Account with the SCSB concerned, and that funds equal to your subscription amount are available in the said bank account at the time of submission of the ASBA Application Form in physical or electronic form.

3. Upon submission of the ASBA Application Form with the SCSB concerned, whether in physical or electronic mode, you shall be deemed to have agreed to block the entire subscription amount specified in the said firm, and have authorized the designated branch of the SCSB concerned to block such

amount in the Bank Account. Please note the following in respect of your submission of form with the SCSB concerned:

a) The SCSB concerned will not accept any ASBA after 3.00 p.m. on December 19, 2014.

b) The SCSB concerned will give you an acknowledgment for the receipt of the ASBA Application Form.

4. On the basis of the authorization given by you through the ASBA Application Form, the SCSB concerned will block the subscription money in the Bank Account. The subscription money will remain blocked in the Bank Account till allotment of units under the Scheme or till rejection of the application or refund, as the case may be.

5. If the Bank Account does not have sufficient credit balance to meet the subscription money, the ASBA application will be rejected by the SCSB concerned.

6. Please do not enclose along with the ASBA Application Form, a cheque, or any mode of payment, as the ASBA Application Form contains an authorization to block the subscription amount in the Bank Account.

7. Please submit a copy of the acknowledgment receipt of the ASBA Application Form (as submitted with the SCSB concerned) along with the NFO application form at any of the official points of acceptance for the AMC.

8. The AMC, the Registrar, and the Trustee to Baroda Mutual Fund shall not be liable for any negligence or mistake committed by SCSBs.

9. All grievances relating to the ASBA facility may be addressed to the AMC / Registrar, with a copy to the SCSB concerned, giving full details such as name, address of the applicant, subscription amount blocked on application, Bank Account number and the designated Branch or the collection centre of the SCSB where the ASBA Form was submitted.

10. The ASBA facility will operate in accordance with applicable SEBI guidelines in force from time to time.

11. For details on transaction charges, please refer the Instruction VIII of the NFO Application Form.

Contact Points :Baroda Asset Management India Limited(Formerly known as Baroda Pioneer Asset Management Company Ltd.)CIN : U65991MH1992PLC069414501, Titanium, 5th Floor, Western Express Highway, Goregaon (East), Mumbai - 400 063.Tel. No. : +91 22 6848 1000 • Fax: +91 22 6848 1001 • Email : info@barodamf.comWebsite: www.barodamf.com • Toll Free No. : 1800 267 0189

nd th9 am to 6 pm - Monday to Saturday on all Business Days 9 am to 2 pm on 2 & 4 Saturdays of the Month

KFIN INVESTOR SERVICE CENTRES

Agartala : KFin Technologies Pvt. Ltd., OLS RMS Chowmuhani,Mantri Bari Road,1st Floor, Near Traffic Point, Tripura West, Agartala 799001. Tel. No. : 0381-2317519. Email :mfsagartala@Kfintech.com • Agra : KFin Technologies Pvt. Ltd., House No. 17/2/4, 2nd Floor,Deepak Wasan Plaza,Behind Hotel Holiday INN,Sanjay Place, Agra 282002. Tel. No. : 7518801801. Email :mfsagra@Kfintech.com • Ahmedabad : KFin Technologies Pvt. Ltd., Office No. 401, on 4th Floor, ABC-I, Off. C.G. Road, Ahmedabad 380009. Tel. No. : 9081903021. Email :ahmedabadmfd@Kfintech.com • Ajmer : KFin Technologies Pvt. Ltd., 302 3rd Floor, Ajmer Auto Building,Opposite City Power House,Jaipur Road; Ajmer 305001. Tel. No. : 0145-5120725. Email :mfsajmer@Kfintech.com • Akola : KFin Technologies Pvt. Ltd., Yamuna Tarang Complex Shop No 30, Ground Floor N.H. No- 06 Murtizapur Road, Opp Radhakrishna Talkies, Akola 444004. Tel. No. : 0724-2451874. Email :mfsakola@Kfintech.com • Aligarh : KFin Technologies Pvt. Ltd., Sebti Complex Centre Point, Sebti Complex Centre Point, Aligarh 202001. Tel. No. : 7518801802. Email :mfsaligarh@Kfintech.com • Allahabad : KFin Technologies Pvt. Ltd. ,Meena Bazar, 2nd Floor 10 S.P. Marg Civil Lines,Subhash Chauraha, Prayagraj, Allahabad 211001. Tel. No. : 7518801803. Email :allahabadmfd@Kfintech.com • Alleppy : KFin Technologies Pvt. Ltd., 1st Floor Jp Towers, Mullackal, KSRTC Bus Stand, Alleppy 688011. Tel. No. : 0477 2263055. Email :mfsalleppy@Kfintech.com • Alwar : KFin Technologies Pvt. Ltd., 137, Jai Complex, Road No - 2, Alwar - 301001. Tel. No. : 0144-4901131. Email :mfsalwar@Kfintech.com • Amaravathi : KFin Technologies Pvt. Ltd. Shop No. 21 2nd Floor, Gulshan Tower, Near Panchsheel Talkies Jaistambh Square, Amaravathi - 444601. Tel. No. : 0721 2569198. Email :mfsamaravathi@Kfintech.com • Ambala : KFin Technologies Pvt. Ltd., 6349, 2nd Floor, Nicholson Road, Adjacent Kos Hospital Ambala Cant, Ambala 133001. Tel. No. : 7518801804. Email :mfsambala@Kfintech.com • Amritsar : KFin Technologies Pvt. Ltd., 72-A,Taylor’S Road, Opp Aga Heritage Club, Amritsar 143001. Tel. No. : 0183-5053802. Email :mfsamritsar@Kfintech.com • Anand : KFin Technologies Pvt. Ltd. B-42 Vaibhav Commercial Center, Near TVS Down Town Shrow Room, Grid Char Rasta, Anand 380001. Tel. No. : 9081903038. Email :mfsanand@Kfintech.com • Ananthapur : KFin Technologies Pvt. Ltd. Plot No: 12-313, Balaji Towers, Suryanagar, Ananthapur Village, Anantapur 515001. Tel. No. : 08554-244449. Email :mfsananthapur@Kfintech.com • Asansol : KFin Technologies Pvt. Ltd., 112/N G. T. Road, Bhanga Pachil, G.T Road Asansol Pin: 713 303; Paschim Bardhaman West Bengal, Asansol 713303. Tel. No. : 0341-2220077. Email :mfsasansol@Kfintech.com • Aurangabad : KFin Technologies Pvt. Ltd., Ramkunj Niwas, Railway Station Road, Near Osmanpura Circle, Aurangabad 431005. Tel. No. : 0240-2343414. Email :mfsaurangabad@Kfintech.com • Azamgarh : KFin Technologies Pvt. Ltd., House No. 290, Ground Floor, Civil Lines, Near Sahara Office, Azamgarh 276001. Tel. No. : 7518801805. Email :mfsazamgarh@Kfintech.com • Balasore : KFin Technologies Pvt. Ltd.,1-B, 1st Floor, Kalinga Hotel Lane, Baleshwar, Baleshwar Sadar, Balasore 756001. Tel. No. : 06782-260503. Email :mfsbalasore@Kfintech.com • Bangalore : KFin Technologies Pvt. Ltd., No 35,Puttanna Road, Basavanagudi, Bangalore 560004. Tel. No. : 080-26602852. Email :bangaloremfd@Kfintech.com • Bankura : KFin Technologies Pvt. Ltd. Plot nos- 80/1/Anatunchati Mahalla 3rd Floor, Ward no-24 Opposite P.C Chandra, Bankura Town, Bankura 722101. Tel. No. : 9434480586. Email :mfsbankura@Kfintech.com • Bareilly : KFin Technologies Pvt. Ltd. 1st Floor Rear Sidea - Square Building, 54-Civil Lines, Ayub Khan Chauraha, Bareilly 243001. Tel. No. : 7518801806. Email :mfsbareilly@Kfintech.com • Baroda : KFin Technologies Pvt. Ltd. 203 Corner Point, Jetalpur Road, Baroda Gujarat,Baroda 390007. Tel. No. : 0265-2353506. Email :barodamfd@Kfintech.com • Begusarai : KFin Technologies Pvt. Ltd. C/o. Dr. Hazari Prasad Sahu,Ward No 13, Behind Alka Cinema, Begusarai (Bihar), Begusarai 851117. Tel. No. : 7518801807. Email :mfsbegusarai@Kfintech.com • Belgaum : KFin Technologies Pvt. Ltd. Premises No.101, CTS No.1893, Shree Guru Darshani Tower, Anandwadi, Hindwadi, Belgaum 590011. Tel. No. : 0831 2402544. Email :mfsbelgaum@Kfintech.com • Bellary : KFin Technologies Pvt. Ltd. Shree Gayathri Towers #4,1st Floor K.H.B. Colony, Gopalaswamy Mudaliar Road, Gandhi Nagar- Bellary 583103. Tel. No. : 08392 - 254750. Email :mfsbellary@Kfintech.com • Berhampur (Or) : KFin Technologies Pvt. Ltd. Opp Divya Nandan Kalyan Mandap,3rd Lane Dharam Nagar, Near Lohiya Motor, Berhampur (Or) 760001. Tel. No. : 0680-2228106. Email :mfsberhampur@Kfintech.com • Bhagalpur : KFin Technologies Pvt. Ltd. 2nd Floor, Chandralok Complex Ghantaghar, Radha Rani Sinha Road, Bhagalpur 812001. Tel. No. : 7518801808. Email :mfsbhagalpur@Kfintech.com • Bharuch : KFin Technologies Pvt. Ltd. 123 Nexus Business Hub, Near Gangotri Hotel, B/s Rajeshwari Petroleum, Makampur Road, Bharuch 392001. Tel. No. : 9081903042. Email :mfsbharuch@Kfintech.com • Bhatinda : KFin Technologies Pvt. Ltd. MCB -Z-3-01043, 2 Floor, Goniana Road, Opporite Nippon India MF GT Road, Near Hanuman Chowk, Bhatinda 151001. Tel. No. : 0164- 5006725. Email :mfsbhatinda@Kfintech.com • Bhavnagar : KFin Technologies Pvt. Ltd. , 303 Sterling Point , Waghawadi Road, Bhavnagar 364001. Tel. No. : 278-3003149. Email :mfsbhavnagar@Kfintech.com • Bhilai : KFin Technologies Pvt. Ltd. Office No.2, 1st Floor, Plot No. 9/6,Nehru Nagar [East],Bhilai 490020. Tel. No. : 0788-2289499 / 2295332. Email :mfsbhilai@Kfintech.com • Bhilwara : KFIN Technologies Pvt Limited, Office No. 14 B, Prem Bhawan, Pur Road, Gandhi Nagar, Near Canara Bank, Bhilwara - 311001 (Rajasthan). Tel. No. : 01482-246362 / 246364. Email :mfsbhilwara@Kfintech.com • Bhopal : KFin Technologies Pvt. Ltd. Gurukripa Plaza, Plot No. 48A, Opposite City Hospital, Zone-2, M P Nagar, Bhopal 462011. Tel. No. : 0755-4092712,0755-4092715. Email :bhopalmfs@Kfintech.com • Bhubaneswar : KFin Technologies Pvt. Ltd., A/181 Back Side Of Shivam Honda Show Room, Saheed Nagar, Bhubaneswar - 751007. Tel. No. : 0674-2548981. Email :bhubaneswarmfd@Kfintech.com • Bikaner : KFin Technologies Pvt. Ltd. 70-71 2nd Floor, Dr. Chahar Building ,Panchsati Circle, Sadul Ganj, Bikaner 334003. Tel. No. : 0151-2200014. Email :mfsbikaner@Kfintech.com • Bilaspur : KFin Technologies Pvt. Ltd. Shop.No. 306, 3rd Floor, Anandam Plaza,Vyapar Vihar Main Road, Bilaspur 495001. Tel. No. : 07752-470070. Email :mfsbilaspur@Kfintech.com • Bokaro : KFin Technologies Pvt. Ltd. B-1 1st Floor City Centre, Sector- 4 ,Near Sona Chandi Jwellars, Bokaro 827004. Tel. No. : 7542979444. Email :mfsbokaro@Kfintech.com • Burdwan : KFin Technologies Pvt. 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No. : 0484 - 4025059. Email :cochinmfd@Kfintech.com • Coimbatore : KFin Technologies Pvt. Ltd., 3rd Floor Jaya Enclave,1057 Avinashi Road, Coimbatore - 641018. Tel. No. : 0422 - 4388011. Email :mfscoimbatore@Kfintech.com • Cuttack : KFin Technologies Pvt. Ltd. Shop No-45, 2nd Floor, Netaji Subas Bose Arcade, (BIG Bazar Building) Adjusent to Relaince Trends, Dargha Bazar, Cuttack 753001. Tel. No. : 0671-2203077. Email :mfscuttack@Kfintech.com • Darbhanga : KFin Technologies Pvt. Ltd. Jaya Complex 2nd Floor, Above Furniture Planet, Donar,Chowk, Darbhanga 846003. Tel. No. : 7518801809. Email :mfsdarbhanga@Kfintech.com • Davangere : KFin Technologies Pvt. Ltd. D.No 162/6, 1st Floor, 3rd Main, P J Extension, Davangere Taluk, Davangere Manda, Davangere 577002. Tel. No. : 0819-2258714. Email :mfsdavangere@Kfintech.com • Dehradun : KFin Technologies Pvt. Ltd., Kaulagarh Road, Near Sirmaur Margabove, Reliance Webworld, Dehradun 248001. Tel. No. : 7518801810. Email :dehradunmfd@Kfintech.com • Deoria : KFin Technologies Pvt. Ltd. K. K. Plaza, Above Apurwa Sweets, Civil Lines Road, Deoria 274001. Tel. No. : 7518801811. Email :mfsdeoria@Kfintech.com • Dhanbad : KFin Technologies Pvt. Ltd. , 208 New Market 2nd Floor, Bank More,-, Dhanbad 826001. Tel. No. : 9264445981. Email :mfsdhanbad@Kfintech.com • Dharwad : KFin Technologies Pvt. Ltd. ,307/9-A, 1st Floor Nagarkar Colony, Elite Business Center, Nagarkar Colony P B Road, Dharwad 580001. Tel. No. : 0836- 2744207. Email :mfsdharwad@Kfintech.com • Dhule : KFin Technologies Pvt. Ltd. , Ground Floor Ideal Laundry Lane No 4, Khol Galli Near Muthoot Finance, Opp Bhavasar General Store, Dhule 424001. Tel. No. : 02562-282823. Email :mfsdhule@Kfintech.com • Dindigul : KFin Technologies Pvt. Ltd. , NO 59B New Pensioner Street, Palani Road, Opp. Gomathi Lodge, Dindigul 624001. Tel. No. : 0451- 2436177. Email :mfsdindigul@Kfintech.com • Durgapur : KFin Technologies Pvt. Ltd. MWAV-16 Bengal Ambuja, 2ND Floor City Centre, Distt. Burdwan Durgapur-16, Durgapur 713216. Tel. No. : 0343-6512111. Email :mfsdurgapur@Kfintech.com • Eluru : KFin Technologies Pvt. Ltd. ,DNO-23A-7-72/73K K S Plaza Munukutla Vari Street, Opp Andhra Hospitals, R R Peta, Eluru 534002. Tel. No. : 08812-227851 / 52 / 53 / 54. Email :mfseluru@Kfintech.com • Erode : KFin Technologies Pvt. Ltd., Address No 38/1 Ground Floor, Sathy Road, (VCTV Main Road), Sorna Krishna Complex, Erode 638003. Tel. No. : 0424-4021212. Email :mfserode@Kfintech.com • Faridabad : KFin Technologies Pvt. Ltd., A-2B 3rd Floor, Neelam Bata Road Peer Ki Mazar, Nehru Groundnit, Faridabad 121001. Tel. No. : 7518801812. Email :mfsfaridabad@Kfintech.com • Ferozpur : KFin Technologies Pvt. Ltd., The Mall Road Chawla Bulding Ist Floor, Opp. Centrail Jail, Near Hanuman Mandir, Ferozepur 152002. Tel. No. : 01632-241814. Email :mfsferozpur@Kfintech.com • Gandhidham : KFin Technologies Pvt. Ltd., Shop# 12 Shree Ambica Arcade Plot #300, Ward 12. Opp. CG High School, Near HDFC Bank, Gandhidham 370201. Tel. No. : 9081903027. Email :mfsgandhidham@Kfintech.com • Gandhinagar : KFin Technologies Pvt. Ltd. ,123 First Floor, Megh Malhar Complex, Opp. Vijay Petrol Pump Sector - 11,Gandhinagar 382011. Tel. No. : 079 23244955. Email :mfsgandhinagar@Kfintech.com • Gaya : KFin Technologies Pvt. Ltd. Property No. 711045129, Ground Floor, Hotel Skylark, Swaraipuri Road, Gaya 823001. Tel. No. : 0631-2220065. Email :mfsgaya@Kfintech.com • Ghaziabad : KFin Technologies Pvt. Ltd. FF - 31, Konark Building, Rajnagar, Ghaziabad 201001. Tel. No. : 7518801813. Email :mfsghaziabad@Kfintech.com • Ghazipur : KFin Technologies Pvt. Ltd. House No. 148/19, Mahua Bagh, Ghazipur 233001. Tel. No. : 7518801814. Email :mfsghazipur@Kfintech.com • Gonda : KFin Technologies Pvt. Ltd. H. No. 782, Shiv Sadan, ITI Road, Near Raghukul Vidyapeeth, Civil Lines, Gonda 271001. Tel. No. : 7518801815. Email :mfsgonda@Kfintech.com • Gorakhpur : KFin Technologies Pvt. Ltd. Above V.I.P. House Ajdacent, A.D. Girls College, Bank Road, Gorakpur 273001. Tel. No. : 7518801816. Email :mfsgorakhpur@Kfintech.com • Gulbarga : KFin Technologies Pvt. Ltd., H. NO 2-231, Krishna Complex, 2nd Floor Opp., Opp. Municipal Corporation Office, Jagat, Station Main Road, Kalaburagi,Gulbarga 585105. Tel. No. : 08472 252503. Email :mfsgulbarga@Kfintech.com • Guntur : KFin Technologies Pvt. Ltd. 2nd Shatter, 1st Floor, HNo. 6-14-48, 14/2 Lane, Arundal Pet, Guntur 522002. Tel. No. : 0863-2339094. Email :mfsguntur@Kfintech.com • Gurgaon : KFin Technologies Pvt. Ltd. No: 212A, 2nd Floor, Vipul Agora, M. G. Road, Gurgaon 122001. Tel. No. : 7518801817. Email :mfsgurgaon@Kfintech.com • Guwahati : KFin Technologies Pvt. Ltd., 1st Floor Bajrangbali Building, Near Bora Service Station GS Road, Guwahati 781007. Tel. No. : 8811036746. Email :mfsguwahati@Kfintech.com • Gwalior : KFin Technologies Pvt. Ltd., City Centre, Near Axis Bank, Gwalior - 474011. Tel. No. : 7518801818. Email :mfsgwalior@Kfintech.com • Haldwani : KFin Technologies Pvt. Ltd., Shoop No 5, KMVN Shopping Complex, Haldwani 263139. Tel. No. : 7518801819. Email :mfshaldwani@Kfintech.com • Haridwar : KFin Technologies Pvt. Ltd. Shop No. - 13, 1st Floor, Bhatia Complex, Near Jamuna Palace, Haridwar - 249410. Tel. No. : 7518801820. Email :mfsharidwar@Kfintech.com • Hassan : KFin Technologies Pvt. Ltd. Hemadri Arcade, 2nd Main Road, Salgame Road, Near Brahmins Boys Hostel, Hassan - 573201. Tel. No. : 08172 262065. Email :mfshassan@Kfintech.com • Hissar : KFin Technologies Pvt. Ltd. Shop No. 20, Ground Floor, R D City Centre, Railway Road, Hissar 125001. Tel. No. : 7518801821. Email :mfshissar@Kfintech.com • Hoshiarpur : KFin Technologies Pvt. Ltd. 1st Floor, The Mall Tower, Opp Kapila Hospital, Sutheri Road, Hoshiarpur 146001. Tel. No. : 01882-500143. Email :mfshoshiarpur@Kfintech.com • Hubli : KFin Technologies Pvt. Ltd. R R Mahalaxmi Mansion, Above IndusInd Bank, 2nd Floor, Desai Cross, Pinto Road, Hubballi 580029. Tel. No. : 0836-2252444. Email :mfshubli@Kfintech.com • Hyderabad : KFin Technologies Pvt. Ltd., No:303, Vamsee Estates, Opp. Big Bazaar, Ameerpet, Hyderabad - 500016. Tel. No. : 040-44857874 / 75 / 76. Email :mfshyderabad@Kfintech.com • Indore : KFin Technologies Pvt. Ltd. 19/1 New Palasia Balaji Corporate 203-204-205, Above ICICI Bank 19/1 New Palasia, Near Curewell Hospital Janjeerwala Square Indore - 452001. Tel. No. : 0731-4266828/4218902. Email :mfsindore@Kfintech.com • Jabalpur : KFin Technologies Pvt. Ltd. 3rd Floor, R. R. Tower.5 Lajpatkunj, Near Tayabali Petrol Pump, Jabalpur - 482001. Tel. No. : 0761-4923301. Email :mfsjabalpur@Kfintech.com • Jaipur : KFin Technologies Pvt. Ltd. S16/A III rd Floor, Land Mark Building Opp Jai Club, Mahaver Marg C Scheme, Jaipur 302001. Tel. No. : 01414167715/17. Email :jaipurmfd@Kfintech.com • Jalandhar : KFin Technologies Pvt. Ltd. Office No 7, 3rd Floor, City Square Building, E-H197 Civil Lines, Jalandhar 144001. Tel. No. : 0181-5094410. Email :mfsjalandhar@Kfintech.com • Jalgaon :KFin Technology Pvt. Ltd. 269 Jaee Plaza 3rd Floor Baliram Peth, Nr Kishore Agencies, Jalgaon. 425001. Tel. No. : 9421521406. Email :mfsjalgaon@Kfintech.com • Jalpaiguri : KFin Technologies Pvt. Ltd. DBC Road, Opp. Nirala Hotel, Jalpaiguri 735101. Tel. No. : 03561-222136. Email :mfsjalpaiguri@Kfintech.com • Jammu : KFin Technologies Pvt. Ltd. ,Gupta’s Tower,2nd Floor CB-12,Rail Head Complex, Jammu 180012. Tel. No. : 0191-2458820 / 2458818. Email :mfsjammu@Kfintech.com • Jamnagar : KFin Technologies Pvt. Ltd. 131 Madhav Plazza, Opp. SBI Bank, Nr Lal Bunglow, Jamnagar 361008. Tel. No. : 0288 3065810. Email :mfsjamnagar@Kfintech.com • Jamshedpur : KFin Technologies Pvt. Ltd. Madhukunj, 3rd Floor ,Q Road, Sakchi, Bistupur, East Singhbhum,Jamshedpur 831001. Tel. No. : 0657-6655003/ 6655004/ 6655005/ 6655006/ 6655007. Email :jamshedpurmfd@Kfintech.com • Jaunpur : KFin Technologies Pvt. Ltd., R. N. Complex 1-1-9-G,R. N. Complex, Opposite Pathak Honda, Above Oriental Bank of Commerce, Jaunpur 222002. Tel. No. : 7518801822. Email :mfsjaunpur@Kfintech.com • Jhansi : KFin Technologies Pvt. Ltd. ,1st Floor, Puja Tower, Near 48 Chambers, Elite Crossing, Jhansi 284001. Tel. No. : 7518801823. Email :mfsjhansi@Kfintech.com • Jodhpur : KFin Technologies Pvt. Ltd. Shop No. 6, Ground Floor, Gang Tower, Opposite Arora Moter Service Centre, Near Bombay Moter Circle, Jodhpur 342003. Tel. No. : 7737014590. Email :mfsjodhpur@Kfintech.com • Junagadh : KFin Technologies Pvt. Ltd. 124-125 Punit Shopping Center, M.G Road, Ranavav Chowk, Junagadh 362001. Tel. No. : 0285-2652220. Email :mfsjunagadh@Kfintech.com • Kannur : KFin Technologies Pvt. Ltd. 2nd Floor, Global Village, Bank Road, Kannur 670001. Tel. No. : 0497-2764190. Email :mfskannur@Kfintech.com • Kanpur : KFin Technologies Pvt. Ltd. 15/46 B Ground Floor, Opp. Muir Mills, Civil Lines, Kanpur 208001. Tel. No. : 7518801824. Email :kanpurmfd@Kfintech.com • Karimnagar : KFin Technologies Pvt. Ltd. 2nd Shutter HNo. 7-2-607 Sri Matha, Complex Mankammathota, Karimnagar - 505001. Tel. No. : 0878-2244773. Email :mfskarimnagar@Kfintech.com • Karnal : KFin Technologies Pvt. Ltd. 18/369 Char Chaman, Kunjpura Road, Behind Miglani Hospital, Karnal 132001. Tel. No. : 0184-2252524. Email :mfskarnal@Kfintech.com • Karur : KFin Technologies Pvt. Ltd. No 88/11, BB Plaza, NRMP Street, K S Mess Back Side, Karur 639002. Tel. No. : 04324-241755. Email :mfskarur@Kfintech.com • Kharagpur : KFin Technologies Pvt. Ltd., Holding No 254/220, SBI Building,Malancha Road, Ward No.16, PO: Kharagpur, PS: Kharagpur, Dist: Paschim Medinipur, Kharagpur 721304. Tel. No. : 3222253380. Email :mfskharagpur@Kfintech.com • Kolhapur : KFin Technologies Pvt. Ltd. ,605/1/4 E Ward Shahupuri, 2nd Lane, Laxmi Niwas, Near Sultane Chambers, Kolhapur 416001. Tel. No. : 0231 2653656 . Email :mfskolhapur@Kfintech.com • Kolkata : KFin Technologies Pvt. Ltd. Apeejay House (Beside Park Hotel), C Block, 3rd Floor,15 Park Street , Kolkata

KFIN INVESTOR SERVICE CENTRES (Contd.,)

700016. Tel. No. : 033 66285900. Email :mfskolkata@Kfintech.com • Kollam : KFin Technologies Pvt. Ltd. ,Ground Floor, Narayanan Shopping Complex, Kausthubhsree Block, Kadapakada, Kollam 691008. Tel. No. : 474-2747055. Email :mfskollam@Kfintech.com • Korba : K Fin Technologies Pvt. Ltd. Nidhi Biz Complex, Plot No 5, Near Patidar Bhawan, T. P. Nagar, Korba 495677. Tel. No. : 7518801826. Email :mfskorba@ Kfintech.com • Kota : KFin Technologies Pvt. Ltd. , D-8, Shri Ram Complex, Opposite Multi Purpose School, Gumanpur, Kota 324007. Tel. No. : 0744-5100964. Email :mfskota@Kfintech.com • Kottayam : KFin Technologies Pvt. Ltd. 1st Floor Csiascension Square, Railway Station Road, Collectorate P O, Kottayam 686002. Tel. No. : 0481-2300868/2302420. Email :mfskottayam@Kfintech.com • Kurnool : KFin Technologies Pvt. Ltd. Shop No. 47, 2nd Floor, S Komda Shoping Mall, Kurnool 518001. Tel. No. : 08518-228550. Email :mfskurnool@Kfintech.com • Lucknow : KFin Technologies Pvt. Ltd. ,Ist Floor,A. A. Complex, 5 Park Road Hazratganj Thaper House, Lucknow 226001. Tel. No. : 7518801830. Email :lucknowmfd@Kfintech.com • Ludhiana : KFin Technologies Pvt. Ltd. SCO 122, Second Floor, Above HDFC Mutual Fund Feroze Gandhi Market, Ludhiana 141001. Tel. No. : 0161-4670278. Email :mfsludhiana@Kfintech.com • Madurai : KFin Technologies Pvt. Ltd. No. G-16/17, AR Plaza, 1st Floor, North Veli Street, Madurai 625001. Tel. No. : 0452-2605856. Email :mfsmadurai@Kfintech.com • Malappuram : KFin Technologies Pvt. Ltd., 2nd Floor, Peekays Arcade, Down Hill, Malappuram 676505. Tel. No. : 0483-2731480. Email :mfsmalappuram@Kfintech.com • Malda : KFin Technologies Pvt. Ltd. Ram Krishna Pally, Ground Floor, English Bazar, Malda 732101. Tel. No. : 03512-223763. Email :mfsmalda@Kfintech.com • Mandi : KFin Technologies Pvt. Ltd. , House No. 99/11, 3rd Floor, Opposite GSS Boy School, School Bazar, Mandi 175001. Tel. No. : 7518801833. Email :mfsmandi@Kfintech.com • Mangalore : KFin Technologies Pvt. Ltd. Mahendra Arcade, Opp. Court Road, Karangal Padi, Mangalore - 575003. Tel. No. : 0824-2496289. Email :mangaloremfd@Kfintech.com • Margao : KFin Technologies Pvt. Ltd. 2nd Floor, Dalal Commercial Complex, Pajifond, Margao 403601. Tel. No. : 0832-2731823 . Email :mfsmargoa@Kfintech.com • Mathura : KFin Technologies Pvt. Ltd. Shop No. 9, Ground Floor, Vihari Lal Plaza, Opposite Brijwasi Centrum, Near New Bus Stand, Mathura 281001. Tel. No. : 7518801834. Email :mfsmathura@Kfintech.com • Meerut : KFin Technologies Pvt. Ltd. , H No 5,Purva Eran, Opp Syndicate Bank, Hapur Road, Meerut 250002. Tel. No. : 7518801835. Email :mfsmeerut@Kfintech.com • Mehsana : KFin Technologies Pvt. Ltd. ,FF-21 Someshwar Shopping Mall, Modhera Char Rasta, Mehsana 384002. Tel. No. : 02762-242950. Email :mfsmehsana@Kfintech.com • Mirzapur : KFin Technologies Pvt. Ltd. ,Ground Floor, Triveni Campus, Ratan Ganj, Mirzapur - 231001. Tel. No. : 7518801836. Email :mfsmirzapur@Kfintech.com • Moga : KFin Technologies Pvt. Ltd., 1st FloorDutt Road, Mandir Wali Gali,Civil Lines Barat Ghar ,Moga 142001. Tel. No. : 01636 - 230792. Email :mfsmoga@Kfintech.com • Moradabad : KFin Technologies Pvt. Ltd. Chadha Complex, G. M. D. Road, Near Tadi Khana Chowk, Moradabad 244001. Tel. No. : 7518801837. Email :mfsmoradabad@Kfintech.com • Morena : KFin Technologies Pvt. Ltd. House No. HIG 959, Near Court, Front of Dr. Lal Lab, Old Housing Board Colony, Morena 476001. Tel. No. : 7518801838. Email :mfsmorena@Kfintech.com • Mumbai : KFin Technologies Pvt. Ltd. 24/B Raja Bahadur Compound, Ambalal Doshi Marg, Behind BSE Building, Fort, Mumbai - 400 001. Tel. No. : 022-66235353. Email :mumbaimfd@Kfintech.com • Muzaffarpur : KFin Technologies Pvt. Ltd. First Floor Saroj Complex, Diwam Road, Near Kalyani Chowk, Muzaffarpur 842001. Tel. No. : 7518801839. Email :mfsmuzaffarpur@ Kfintech.com • Mysore : KFin Technologies Pvt. Ltd. ,L-350Silver Tower, Ashoka Road, Opp. Clock Tower, Mysore 570001. Tel. No. : 0821-2438006. Email :mfsmysore@Kfintech.com • Nadiad : KFin Technologies Pvt. Ltd. 311-3rd Floor City Center, Near Paras Circle, Nadiad 387001. Tel. No. : 0268-2563245. Email :mfsnadiad@Kfintech.com • Nagerkoil : KFin Technologies Pvt. Ltd. HNO 45, 1st Floor, East Car Street, Nagercoil 629001. Tel. No. : 04652 - 233552. Email :mfsnagarkoil@Kfintech.com • Nagpur : Plot No 2/1, House No 102/1, Mangaldeep Appartment, Mata Mandir Road, Opp Khandelwal Jwelers, Dharampeth, Nagpur 440 010. Tel. No. : 0712-2533040. Email :nagpurmfd@Kfintech.com • Nanded : KFin Technologies Pvt. Ltd. Shop No.4, Santakripa Market G G Road, Opp. Bank of India, Nanded 431601. Tel. No. : 02462-237885. Email :mfsnanded@Kfintech.com • Nasik : KFin Technologies Pvt. Ltd. S-9 Second Floor, Suyojit Sankul, Sharanpur Road, Nasik 422002. Tel. No. : 0253-6608999. Email :nasikmfs@Kfintech.com • Navsari : KFin Technologies Pvt. Ltd. ,103 1st Floor Landmark Mall, Near Sayaji Library ,Navsari Gujarat,Navsari 396445. Tel. No. : 9081903040. Email :mfsnavsari@Kfintech.com • Nellore : KFin Technologies Pvt. Ltd. D No:16-5-66 Ramarao Complex, No. 2 Shop No. 305,3rd Floor, Nagula Mitta Rodad, Opp Bank of Baroda,Nellore 524001. Tel. No. : 0861 2349940. Email :mfsnellore@Kfintech.com • New Delhi : KFin Technologies Pvt. Ltd. 305 New Delhi House, 27 Barakhamba Road, New Delhi 110001. Tel. No. : 011- 43681700 . Email :delhimfd@Kfintech.com • Noida : KFin Technologies Pvt. Ltd. 405 4th Floor, Vishal Chamber, Plot No. 1 Sector-18, Noida 201301. Tel. No. : 7518801840. Email :mfsnoida@Kfintech.com • Palghat : KFin Technologies Pvt. Ltd. ,No: 20 & 21, Metro Complex, H.P.O.Road, Palakkad, H.P.O.Road, Palakkad 678001. Tel. No. : 9895968533. Email :mfspalghat@Kfintech.com • Panipat : KFin Technologies Pvt. Ltd. Preet Tower, 3rd Floor, Behind Akash Institute, Near NK Tower, G.T. Road, Panipat 132103. Tel. No. : 7518801841. Email :mfspanipat@Kfintech.com • Panjim : KFin Technologies Pvt. Ltd. , Flat No.1-A H. No. 13/70,Timotio Building,Heliodoro Salgado Road Next to Navhind Bhavan (Market Area),Panjim 403001. Tel. No. : 0832-2426874. Email :panjimmfd@Kfintech.com • Pathankot : KFin Technologies Pvt. Ltd. 2nd Floor, Sahni Arcade Complex, Adj. Indra Colony Gate Railway Road, Pathankot, Pathankot 145001. Tel. No. : 0186-5080188. Email :mfspathankot@Kfintech.com • Patiala : KFin Technologies Pvt. Ltd. SCO 27 D ,Chotti Baradari ,Near Car Bazaar, Patiala 147001. Tel. No. : 0175-5004349. Email :mfspatiala@Kfintech.com • Patna : KFin Technologies Pvt. Ltd. 3A 3rd Floor Anand Tower, Exhibition Road, Opp ICICI Bank, Patna 800001. Tel. No. : 0612-4323066. Email :mfspatna@Kfintech.com • Pollachi : KFin Technologies Pvt. Ltd., 146/4Ramanathan Building,1st Floor New Scheme Road, Pollachi 642002. Tel. No. : 04259- 235111. Email :mfspollachi@Kfintech.com • Pondicherry : KFin Technologies Pvt. Ltd. No. 122 (10b), Muthumariamman Koil Street, Pondicherry 605001. Tel. No. : 0413-4300710. Email :mfspondy@Kfintech.com • Pune : KFin Technologies Pvt. Ltd. Office # 207-210, Second Floor, Kamla Arcade, JM Road. Opposite Balgandharva, Shivaji Nagar,Pune 411005. Tel. No. : 020-66210449. Email :punemfd@Kfintech.com • Raipur : KFin Technologies Pvt. Ltd., Office No S -13, Second Floor Reheja Tower, Fafadih Chowk, Jail Road, Raipur 492001. Tel. No. : 0771-4912611. Email :mfsraipur@Kfintech.com • Rajahmundry : KFin Technologies Pvt. Ltd. D.No. 6-1-4 Rangachary Street, T.Nagar, Near Axis Bank Street, Rajahmundry 533101. Tel. No. : 0883-2434468/70. Email :mfsrajahmundry@Kfintech.com • Rajkot : KFin Technologies Pvt. Ltd. 302 Metro Plaza, Near Moti Tanki Chowk, Rajkot Gujarat 360001. Tel. No. : 9081903025. Email :rajkotmfd@Kfintech.com • Ranchi : KFin Technologies Pvt. Ltd. Room No. 307 3rd Floor, Commerce Tower, Beside Mahabir Tower, Ranchi 834001. Tel. No. : 0651-2331320. Email :mfsranchi@Kfintech.com • Ratlam : KFin Technologies Pvt. Ltd.,1 Nagpal Bhawan Free Ganj Road, Do Batti ,Near Nokia Care, Ratlam 457001. Tel. No. : 07412-320398. Email :mfsratlam@Kfintech.com • Renukoot : KFin Technologies Pvt. Ltd. ,C/o Mallick Medical Store, Bangali Katra Main Road, Dist. Sonebhadra (U.P.), Renukoot 231217. Tel. No. : 7518801842. Email :mfsrenukoot@Kfintech.com • Rewa : KFin Technologies Pvt. Ltd., Shop No. 2, Shree Sai Anmol Complex, Ground Floor, Opp. Teerth Memorial Hospital, Rewa 486001. Tel. No. : 7518801843. Email :mfsrewa@Kfintech.com • Rohtak : KFin Technologies Pvt. Ltd. , Shop No 14, Ground Floor, Delhi Road ,Rohtak 124001. Tel. No. : 7518801844. Email :mfsrohtak@Kfintech.com • Roorkee : KFin Technologies Pvt. Ltd., Shree Ashadeep Complex 16,Civil Lines, Near Income Tax Office, Roorkee 247667. Tel. No. : 7518801845. Email :mfsroorkee@Kfintech.com • Rourkela : KFin Technologies Pvt. Ltd., 2nd Floor, Main Road, Udit Nagar, Sundargarh,Rourekla 769012. Tel. No. : 0661-2500005 . Email :mfsrourkela@Kfintech.com • Sagar : KFin Technologies Pvt. Ltd. II Floor Above Shiva Kanch mandir 5 Civil Lines, Sagar 470002. Tel. No. : 07582-402404. Email :mfssagar@Kfintech.com • Saharanpur : KFin Technologies Pvt. Ltd. ,18 Mission Market, Court Road, Saharanpur 247001. Tel. No. : 7518801846. Email :mfssaharanpur@Kfintech.com • Salem : KFin Technologies Pvt. Ltd. No. 3/250, Pondicherry - 605001,6th Cross Perumal Kovil Back Side Fairland’s, Salem 636016. Tel. No. : 0427-4020300. Email :mfssalem@Kfintech.com • Sambalpur : KFin Technologies Pvt. Ltd. First Floor, Shop No. 219, Sahej Plaza, Golebazar, Sambalpur 768001. Tel. No. : 0663-2533437. Email :mfssambalpur@Kfintech.com • Satna : KFin Technologies Pvt. Ltd. ,1st Floor Gopal Complex, Near Bus Stand, Rewa Road, Satna 485001. Tel. No. : 7518801847. Email :mfssatna@Kfintech.com • Shillong : KFin Technologies Pvt. Ltd. Annex Mani Bhawan, Lower Thana Road, Near R K M L P School, Shillong 793001. Tel. No. : 0364 - 2506106. Email :mfsshillong@Kfintech.com • Shimla : KFin Technologies Pvt. Ltd. 1st Floor, Hills View Complex, Near Tara Hall, Shimla 171001. Tel. No. : 7518801849. Email :mfsshimla@Kfintech.com • Shimoga : KFIN Technologies Pvt. Ltd., Jayarama Nilaya, 2nd Corss, Mission Compound, Shimoga 577201. Tel. No. : 08182-228799. Email :mfsshimoga@Kfintech.com • Shivpuri : KFin Technologies Pvt. Ltd. A. B. Road, In Front of Sawarkar Park, Near Hotel Vanasthali, Shivpuri 473551. Tel. No. : 7518801850. Email :mfsshivpuri@Kfintech.com • Sikar : KFin Technologies Pvt. Ltd. First Floor, Super Tower, Behind Ram Mandir Near Taparya Bagichi Sikar 332001. Tel. No. : 01572-250398. Email :mfssikar@Kfintech.com • Silchar : KFin Technologies Pvt. Ltd. N. N. Dutta Road, Chowchakra Complex, Premtala, Silchar 788001. Tel. No. : 3842261714. Email :mfssilchar@Kfintech.com • Siliguri : KFin Technologies Pvt. Ltd. Nanak Complex, 2nd Floor, Sevoke Road, Siliguri 734001. Tel. No. : 0353-2522579. Email :mfssiliguri@Kfintech.com • Sitapur : KFin Technologies Pvt. Ltd. 12/12 Surya Complex, Station Road , Uttar Pradesh, Sitapur 261001. Tel. No. : 7518801851. Email :mfssitapur@Kfintech.com • Solan : KFin Technologies Pvt. Ltd. Disha Complex, 1st Floor, Above Axis Bank, Rajgarh Road, Solan 173212. Tel. No. : 7518801852. Email :mfssolan@Kfintech.com • Solapur : KFin Technologies Pvt. Ltd., Block No. 06, Vaman Nagar, Opp D-Mart, Jule Solapur, Solapur 413004. Tel. No. : 0217-2300021 / 2300318. Email :mfssolapur@Kfintech.com • Sonepat : KFin Technologies Pvt. Ltd. 2nd Floor, DP Tower, Model Town, Near Subhash Chowk, Sonepat 131001. Tel. No. : 7518801853. Email :mfssonepat@Kfintech.com • Sri Ganganagar : KFin Technologies Pvt. Ltd., Address Shop No. 5, Opposite Bihani Petrol Pump, NH - 15, Near Baba Ramdev Mandir, Sri Ganganagar 335001. Tel. No. : 0154-2470177. Email :mfssriganganagar@Kfintech.com • Srikakulam : KFin Technologies Pvt. Ltd., D No 4-4-97, First Floor Behind Sri Vijayaganapathi Temple, Pedda Relli Veedhi, Palakonda Road, Srikakulam 532001. Tel. No. : 8942229925. Email :mfssrikakulam@Kfintech.com • Sultanpur : KFin Technologies Pvt. Ltd. 1st Floor, Ramashanker Market, Civil Line, Sultanpur 228001. Tel. No. : 7518801854. Email :mfssultanpur@Kfintech.com • Surat : KFin Technologies Pvt. Ltd. Office No: 516 5th Floor, Empire State Building, Near Udhna Darwaja, Ring Road, Surat 395002. Tel. No. : 9081903041. Email :suratmf@Kfintech.com • Thanjavur : KFin Technologies Pvt. Ltd. , No 1, Basement, Nallaiyah Complex, Srinivasam Pillai Road, Thanjavur 613001. Tel. No. : 04362-275415. Email :mfsthanjavur@Kfintech.com • Tirunelveli : KFin Technologies Pvt. Ltd. , 55/18 Jeney Building, S N Road, Near Aravind Eye Hospital, Tirunelveli 627001. Tel. No. : 0462-4001416. Email :mfstirunelveli@Kfintech.com • Tirupathi : KFin Technologies Pvt. Ltd. ,H.No:10-13-425,1st Floor Tilak Road ,Opp: Sridevi Complex, Tirupathi 517501. Tel. No. : 9885995544 / 0877-2255797. Email :mfstirupathi@Kfintech.com • Tirupur : KFin Technologies Pvt. Ltd. No 669A,Kamaraj Road Near Old Collector Office, Tirupur 641604. Tel. No. : 0421-2214221. Email :mfstirupur@Kfintech.com • Tiruvalla : KFin Technologies Pvt. Ltd. 2nd Floor, Erinjery Complex, Ramanchira, Opp Axis Bank,Thiruvalla 689107. Tel. No. : 04862-211209. Email :mfstiruvalla@Kfintech.com • Trichur/Thrissur : KFin Technologies Pvt. Ltd. ,4th Floor, Crown Tower, Shakthan Nagar, Opp. Head Post Office, Thrissur 680001. Tel. No. : 0487- 6999987. Email :mfstrichur@Kfintech.com • Trichy : KFin Technologies Pvt. Ltd. No. 23C/1 E V R Road, Near Vekkaliamman Kalyana Mandapam, Putthur, Trichy 620017. Tel. No. : 0431-4020227. Email :mfstrichy@Kfintech.com

• Trivandrum : KFin Technologies Pvt. Ltd., Marvel Tower, 1st Floor, URA-42 (Uppalam Road Residence Association), Statue, Trivandrum-695001. Tel. No. : 0471 - 2725728. Email :mfstrivandrum@Kfintech.com • Tuticorin : KFin Technologies Pvt. Ltd., 4 - B A34 - A37,Mangalmal Mani Nagar, Opp. Rajaji Park Palayamkottai Road, Tuticorin 628003. Tel. No. : 0461-2334603. Email :mfstuticorin@Kfintech.com • Udaipur : KFin Technologies Pvt. Ltd. , Shop No. 202, 2nd Floor Business Centre,1C Madhuvan, Opp. GPO Chetak Circle, Udaipur 313001. Tel. No. : 0294 2429370. Email :mfsudaipur@Kfintech.com • Ujjain : KFin Technologies Pvt. Ltd,101 Aashta Tower,13/1 Dhanwantri Marg, Freeganj,Ujjain 456010. Tel. No. 0734-4250007 / 08 Email Id : mfsujjain@Kfintech.com • Valsad : KFin Technologies Pvt. Ltd.,406 Dreamland Arcade, Opp Jade Blue, Tithal Road,Valsad 396001. Tel. No. 02632-258481 Email Id : mfsvalsad@Kfintech.com • Vapi : KFin Technologies Pvt. Ltd. ,A-8 First Floor Solitaire Business Centre, Opp DCB Bank, GIDC Char Rasta, Silvassa Road, Vapi - 396191. Tel. No. : 9081903028, Emai Id : mfsvapi@Kfintech.com • Varanasi : KFin Technologies Pvt. Ltd, D-64/132, 2nd Floor ,KA, Mauza, Shivpurwa, Settlement Plot No 478 Pargana, Dehat Amanat, Mohalla Sigra,Varanashi 221010 Tel. No. : 7518801855 Email Id : varanasimfd@Kfintech.com • Vellore : KFin Technologies Pvt. Ltd., No 2/19, 1st Floor,Vellore city centre, Anna salai,Vellore 632001 Tel. No. : 0416-41603806, Email Id : mfsvellore@Kfintech.com.• Vijayanagaram : KFin Technologies Pvt. Ltd., D No : 20-20-29, 1st Floor,Surya Nagar, Kalavapuvvu Meda, Near Ayodhya Stadium, Dharmapuri Road, Vizianagaram - 535002. Tel. No. 08922-236965. Email Id : mfsvijayanagaram@Kfintech.com • Vijayawada : KFin Technologies Pvt. Ltd., H No. 26-23, 1st Floor, Sundaramma Street, Gandhi Nagar, Krishna,Vijayawada 520010. Tel. No. 0866-6604032/39/40. Emai Id : vijayawadamfd@Kfintech.com • Visakhapatnam : KFin Technologies Pvt. Ltd., DNO : 48-10-40, Ground Floor, Surya Ratna Arcade, Srinagar, Opp Road to Lalitha Jeweller Showroom, Beside Taj Hotel Ladge,Visakhapatnam - 530016. Tel. No. 0891-2714125. Email Id : vizagmfd@Kfintech.com • Warangal : KFin Technologies Pvt. Ltd, Shop No. 22, Ground Floor Warangal City Center,15-1-237,Mulugu Road Junction, Warangal 506002. Tel. No. 0870-2441513 Email Id : mfswarangal@Kfintech.com. • Yamuna Nagar : KFin Technologies Pvt. Ltd., B-V, 185/A, 2nd Floor, Jagadri Road, Near DAV Girls College, (UCO Bank Building) Pyara Chowk,-,Yamuna Nagar 135001. Tel. No.7518801857mfsyamunanagar@Kfintech.com.

KFIN COLLECTION CENTREDalhousie : KFin Technologies Pvt. Ltd., 2Nd Floor Room no-226,R N Mukherjee Road, Kolkata - 700 001. Tel. No. : 033-24659263. Email. : kolkatamfd@Kfintech.com

Hyderabad(Gachibowli) : KFin Technologies Pvt. Ltd., Selenium Plot No: 31 & 32,Tower B Survey No.115/22 115/24 115/25,Financial District Gachibowli Nanakramguda Serilimgampally Mandal,Hyderabad - 500 032. Tel. No. : 040-33215122. Email. : Aqbal.Anis@Kfintech.com

T Nagar/Nungambakkam : KFin Technologies Pvt. Ltd., No. 23, Cathedral Garden Road,Cathedral Garden Road,Nungambakkam,Chennai - 600 034. Tel. No. : 044 - 28309100. Email : chennaimfd@Kfintech.com

Borivali : KFin Technologies Pvt. Ltd., Gomati SmutiGround Floor,Jambli Gully,Near Railway Station ,Borivali Mumbai,400 092. Tel. No. : 022- 28916319. Email. : Borivaliext.mum@Kfintech.com

Thane : KFin Technologies Pvt. Ltd., Room No. 302, 3rd Floor, Ganga Prasad, Near RBL Bank Ltd., Ram Maruti Cross Road, Naupada Thane West , Mumbai - 400 602. Tel. No. : 022 25303013.

Email. : Thaneext.mum@Kfintech.com

Vashi : KFin Technologies Pvt. Ltd.,Vashi Plaza, Shop No. 324, C Wing, 1st Floor, Sector 17, Vashi, Navi Mumbai - 400 705. Tel. No. : 022 27802684. Email. : Vashiext.mum@Kfintech.com

Vile Parle : KFin Technologies Pvt. Ltd., Shop No.1, Ground Floor, Dipti Jyothi Co-operative Housing Society, Near MTNL Office P.M. Road, Vile Parle East, Mumbai - 400057. Tel. No. : 022-26100967.Email. : VileParleext.mum@Kfintech.com

Contact Points :

Toll Free Number : 1-800-267 0189 l Email: info@barodamf.com l Website: www.barodamf.com

POINTS OF SERVICE (“POS”) of MF UTILITIES INDIA PRIVATE LIMITED (‘MFUI’) Investor Service Centres for transactions through MF Utility (“MFU”)

Both financial and non-financial transactions pertaining to the Scheme can be done through MFU at the authorized POS of MFUI. The details of POS published on MFU website at www.mfuindia.com will be considered as the Investor Service Centres for transactions in the Scheme.

Registered Office :

Baroda Asset Management India Limited(Formerly known as Baroda Pioneer Asset Management Company Limited)CIN: U65991MH1992PLC069414501 Titanium, 5th Floor, Western Express Highway, Goregaon (E), Mumbai - 400 063.Phone: +91 22 6848 1000 / 4219 7999. Fax: +91 22 6848 1001.

Branch Offices :

Flat No. 103 & 104, First Floor, Prakash Deep Building, 7 Tolstoy Marg, New Delhi - 110 001.Phone: +91 011- 43514662, Fax: +91 11 4592117.

HP Complex, Flat No. 12, 3rd Floor, Door No. 124/1, 2 & 3 New No. 14, G. N. Chetty Road, T. Nagar, Chennai - 600 017. Phone: +91 044- 2834 3530, Fax: +91 044 - 2834 3539

G -101, Ground Floor, SKI High Building 11/05 , Park Road, Hazratganj Lucknow-226 001.

Baroda Asset Management India Limited(Formerly known as Baroda Pioneer Asset Management Company Limited)

Baroda Asset Management India Limited(Formerly known as Baroda Pioneer Asset Management Company Limited)

Baroda Asset Management India Limited*(Formerly known as Baroda Pioneer Asset Management Company Limited)

Phone: +91 0522- 43514564.

Baroda Asset Management India Limited(Formerly known as Baroda Pioneer Asset Management Company Limited)Raheja Arcade, No. 1/1, Commercial Permises No. 246, 2 nd Floor, Koramangala Industrial layout, Hosur Road, Bangalore - 560 095.Phone: +91 9884078407

* Currently not an Investor Service Centre.

BARODA MUTUAL FUND - CENTRES

*The Bank of Baroda logo belongs to Bank of Baroda and is used under license.