Income Scheme.pmd - Fundsupermart

2

Investment Objective

UTI-Bond Fund(An open end pure debt fund)

The Scheme will retain the flexibility to invest in the entire range of debt and money market instruments. Theflexibility is being retained to adjust the portfolio in response to a change in the risk to return equation for assetclasses under investment, with a view to maintain risks within manageable limits.

Asset Allocation Patternof the scheme

Types of Instruments Normal Allocation (% of Net Assets)

The scheme will not invest in Equity and Equity LinkedInstruments.

Minimum - 75% Maximum - 100%


Equity and Equity Linked Instruments

Debt Instruments(including securitised debt)

Money Market Instruments(including cash/call money)

Plans and Options 1. Growth Option :

(a) Regular Plan

(b) Fixed Amount Withdrawal Plani) Monthly Optionii) Quarterly Option

(c) Variable Withdrawal Plani) Monthly Option

2. Dividend Option (with reinvestment facility)

1. Systematic Investment Plan (SIP)

2. Systematic Withdrawal Plan (SWP) is available to unitholders under the Growth Option.

Facilities Offered

1. Growth Option

(a) Regular Plan - Rs.1,000/-

(b) Systematic Withdrawal Plan (SWP) :

i) Fixed Amount Withdrawal Plan - with Monthly / Quarterly Optionii) Variable Withdrawal Plan - with Monthly Option

Minimum amount of initial investment under both the plans - Rs.30,000/-

2. Dividend Option - Rs.20,000/- and in multiples of Re.1/- under all the options.

3. Subsequent Minimum Investment Amount is Rs.1,000/- and in multiples of Re.1/-

Minimum ApplicationAmount

Benchmark Index CRISIL Composite Bond Fund Index

Dividend Policy Dividend distribution under Dividend Option, may be made every calendar quarter or at such other intervals asmay be decided by UTI AMC from time to time.

Name of the Fund Manager Amandeep Chopra

Performance of thescheme as on March 30,2007

UTI - Bond Fund

CompoundedAnnualisedReturns*

Last 1 year

Last 3 years

Last 5 years

Since Inception

SchemeReturns

(%)

4.99

4.77

6.48

9.05

Crisil Comp.Bond FundIndex (%)

3.69

2.40

5.31

NA

* Computed on compounded annualized basisusing NAV of Growth Option.Past performance may or may not be sustainedin future.

This Common 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, associate transactions etc. investors should, before investment, refer to the Offer Document available free of cost at any of the UTI

Financial Centres or distributors or from the website www.utimf.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.

3

The Scheme envisages the launch of the following Fixed Maturity Plans.

Name of Series Date of launch Date of closure Date of re-opening forredemption

Quarterly Series having aduration of 94 days

Half-Yearly Series havinga duration of 186 days

Yearly Series having aduration of 396 days

1st of every month16th of every month

1st of every month

16th of every month

15th of that monthLast business day of that month

25th of that month

Last business day of that month

21st of that month7th of the following month

7th of the following month

7th of the following month

Expenses of the Scheme Application size

< Rs.10 Lacs

=> Rs.10 Lacs

Entry load(As % of NAV)

NIL

Exit Load(As % of NAV))

0.5% if exited on or before 180 daysfrom the date of acceptance

NIL

(i) Load Structure

(ii) Recurring expenses First Rs.100 crores - 2.25%Next Rs.300 crores - 2.00%Next Rs.300 crores - 1.75%Balance - 1.50%

Actual expenses for the period 01.04.05 to 31.03.06 : 1.40%


UTI - Fixed Maturity Plan (UTI-FMP)(A close-ended Umbrella Income Scheme comprising of several Investment Plans)

The investment objective of the Scheme and Plans launched thereunder is to seek regular returns by in-vesting in a portfolio of fixed income securities normally maturing in line with the time profile of the respec-tive Plans, thereby enabling the investors to nearly eliminate interest rate risk by remaining invested in thePlan till the Maturity / Final Redemption.

However there can be no assurance that the investment objective of the Scheme will be achieved. ThePlans do not guarantee / indicate any returns.


Types of instruments Proportion % of corpus

Minimum

20%

--

Debt Securities and Money Market Securities (including Callmoney, Reverse Repos) with residual average maturity of equalto or less than 410 days (or have put options within a period notexceeding 410 days) and including Securitised Debt

Debt instruments with residual maturity of more than 410 days.

Likely

80%

20%

Max Upto

100%

80%

Plans / Options Schedule of UTI-Fixed Maturity Plan and details of the FMPs proposed to be launched under each Seriesviz., Options available thereunder and Fixed Maturity / Redemption Dates are as under

FixedMaturitySeries

Optionsunder each

FMP

Durationof theFMP

New Fund Offer Period Fixed Maturity /Redemption

Date

IdentificationNumber

QuarterlySeries(QFMP)

Half-YearlySeries(HFMP)

YearlySeries(YFMP)

Growth andDividendhaving DividendReinvestmentfacility



94 days

186 days

396 days

For a period not exceeding 7business days (or such number ofdays not exceeding 30 days) atthe end of which allotment shallbe made. Units at par of Rs.10/-



95th day fromthe date ofclosure of theOffer Period ofthe Plan



QFMP (Month/Year-Plannumber)

HFMP (Month/Year)

YFMP (Month/Year)

Quarterly Series Half Yearly Series Yearly Series

i) Regular Plana) Dividend Optionb) Growth Option

ii) Institutional Plana) Dividend Optionb) Growth Option





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Minimum amount under Regular Plan is Rs.10,000/- and in multiples of Re.1/-. Minimum amount underInstitutional Plan is Rs. 1 crore and in multiples of Re. 1/-


Benchmark Index No comparable benchmark available.

Dividend Policy Under the dividend option, it is proposed to declare dividend, subject to availability of distributable surplus, onor before the Maturity Date / Final Redemption Date of the respective Plans or such other day / frequency asmay be decided by the Trustees, as computed in accordance with SEBI Regulations.

Name of the Fund Manager Sanjeev Bhasin

Expenses of the Scheme

(i) Load Structure

Entry Load : Nil

Exit Load : QFMP - 1% of the NAV if redeemed on or before 90 days from the date of closure of the offer of the planand no load thereafter. HFMP - 1% of the NAV if redeemed on or before 180 days from the date of closure of offer ofthe plan and no load thereafter. YFMP - 2% of the NAV if redeemed on or before 365 days from the date of closure ofthe offer of the plan and no load thereafter.

(ii) Recurring expenses Presently the total recurring expenses that can be charged tothe scheme will not exceed 1.25% per annum of the averageweekly net assets of the scheme. Expenses over and above1.25% p.a. shall be borne by the AMC. In case any fresh leviesare introduced in future, the Scheme may decide to change theabove expense limit. However, any such change in the limit ofthe expenses to be charged to the scheme shall be effectedonly in accordance with the SEBI Regulations.

Actual expenses for the pervious financial yearof UTI-FMP (YFMP/0905) : 0.26%

UTI-Floating Rate Fund(An open-ended Income Scheme)

Investment Objective To generate regular income through investment in a portfolio comprising substantially of floating rate debt /money market instruments, fixed rate debt / money market instruments swapped for floating rate returns andfixed rate debt securities and money market instruments.


Types of instruments Normal Allocation (% of Net Assets)

0 -35

65 - 100

Fixed Rate Debt Securities (including securitised debt, Money MarketInstruments & Floating Rate Debt Instruments swapped for fixed ratereturns)

Floating Rate Debt Securities (including Securitised Debt, Money MarketInstruments & Fixed Rate Debt Instruments swapped for floating ratereturns)

Plans and Options The Scheme offers investors the Short Term Plan. The Plan offers a Growth and a Dividend Option. Under theDividend Option dividend will be compulsorily reinvested.

Rs.5000/- per application and in multiples of Re. 1/- thereafter under both the plans.Minimum account balance Rs.1000/- under all the Plans.Minimum redemption amount Rs.1000/- and in multiples of Re.1/-.

Minimum ApplicationAmount/Minimum AccountBalance/MinimumRedemption Amount

The scheme will not invest in Equity and Equity Linked Instruments.

Benchmark Index CRISIL Liquid Fund Index

Facilities Offered Systematic Transfer Investment Plan (STRIP) is available.

Dividend Policy Dividend Frequency

Under the dividend option, it is proposed to declare fortnightly dividends, subject to availability of distributableprofits, as computed in accordance with SEBI Regulations. Further the Trustee at its sole discretion may alsodeclare interim dividend.

Dividends, if any, declared will be paid twice in a month to those unit holders whose names appear in theRegister of unit holders under this Option on the 16th day and the last day of every month. The dividend sodeclared shall be compulsorily re-invested in the Scheme by way of allotment of additional units at the pricebased on the prevailing ex-dividend NAV per unit. On reinvestment of the dividend, the number of units to thecredit of the unitholder will increase to the extent of the dividend re-invested divided by the NAV applicable. Anysuch investment will be made without the payment of a load. The dividends so reinvested shall be constructivepayment of dividends to the unit holders and constructive receipt of the same amount from each unitholder, forreinvestment in units. The AMC/Trustee reserves the right to change the record date (i.e. 16th day and lastbusiness day of each month) from time to time.


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UTI - Floating Rate Fund

CompoundedAnnualised Returns*

Last 1 year

Last 3 years

Since Inception

SchemeReturns (%)

7.01

5.96

5.77

Crisil LiquidFund Index (%)

6.37

5.16

4.95

* Computed on compounded annualized basis using NAVof Growth Option.Past performance may or may not besustained in future.

Expenses of the Scheme Entry Load : NILExit Load : NIL(i) Load Structure




UTI-Gilt Advantage Fund - Long Term Plan (UTI-GAF-LTP)(An open-ended Gilt Scheme)

To generate credit risk-free return through investment in sovereign securities issued by the Central and / or aState Government from a portfolio having an indicative average maturity profile not exceeding 10 years.




Government of India dated Securities and Treasury Bills 75 - 100%State Government dated Securities 0 - 25%

In addition to the securities stated in the table above, the scheme mayenter into repos / reverse repos or other securities as may be permittedby the RBI. From time to time the scheme may hold cash. A part of thenet assets may be invested in the call money market or in an alternativeinvestment for the call money market as may be provided by the RBIto meet the liquidity requirements.


Debt Securities

Money Market Instruments

Plans and Options 1. Growth Plan2. Dividend Plan (with reinvestment facility)3. PF Plan with

(a) Prescribed Date Auto Redemption Option (PDAR),(b) Prescribed Appreciation Auto Redemption Option (PAAR),(c) Growth Option and(d) Dividend Option (with reinvestment facility).

Rs.5,000/- and in multiples of Re.1/- for growth and dividend option and the minimum subscription for newinvestors under Prescribed Date Auto Redemption Option (PDAR) and Prescribed Appreciation Auto RedemptionOption (PAAR) Options is Rs.1,00,000/- and in multiples of Re. 1/- thereafter.Additional purchases of Units by existing Unitholders under all the Options can be for any amount in multiplesof Re.1/- and subject to a minimum of Rs.1,000/-.Minimum account balance Rs.1,000/-.Minimum redemption amount Rs.1,000/- or equivalent units.

Minimum ApplicationAmount/MinimumAccount Balance/Minimum RedemptionAmount

Benchmark Index I-Sec Li-Bex

Facilities Offered Systematic Investment Plan (SIP), Systematic Withdrawal Plan (SWP) and Switch Facilities are available.

Dividend Policy Under Dividend Plan it is proposed to declare quarterly dividend, subject to availability of distributable profits,on the 15th day of the last month of each quarter (i.e. quarter ending September, December, March and June).If this is not a business day then the record date would be the next business day. There is no assurance orguarantee that the dividend will be declared.



UTI-Gilt Advantage Fund-Long Term Plan (UTI-GAF-LTP)


Last 1 year

Last 3 years

Last 5 years

Since Inception

SchemeReturns (%)

4.95

3.17

8.11

8.47

I-Sec Li-Bex(%)

5.73

2.75

NA

NA

* Computed on compounded annualized basis using NAVof Growth Option.Past performance may or may not besustained in future.

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(i) Load Structure

Entry Load : NIL

Exit Load : Growth Plan and Dividend Plan - NIL

1% is applicable under the PF Plan of UTI-GAF only if redeemed within a period of 365 days from the date ofinvestment. However, no exit load would be levied in case of redemptions under the PDAR and PAAR options,which are reinvested into the same plan under reinvestment facility.

(ii) Recurring expenses Presently the total recurring expenses that can be charged to the Scheme will notexceed 1.50% per annum of the average daily net assets of the scheme. Expensesover and above 1.50% p.a. shall be borne by the AMC. In case any fresh levies areintroduced in future, the Scheme may decide to change the above expense limit.However any such change in the limit of the expenses to be charged to the schemeshall be effected only in accordance with the SEBI Regulations.

Actual expenses for the period01.04.05 to 31.03.06 : 1.25%

To generate credit risk-free return by way of income or growth by investing in Central Government Securities,Treasury Bills, Call Money and Repos. Under normal circumstances at least 65% of the total portfolio will beinvested in securities issued/ created by the Central Government.

Types of Instruments Normal Allocation (% of Net Assets)


100% investment in Central Government Securities, Treasury Bills,Call Money, Repos and Money Market Instruments. Under normalcircumstances at least 65% of the total portfolio will be invested insecurities issued/created by the Central Government.

While no fixed allocation will normally be made for investment inmoney market instruments, the investment in money marketinstruments will be kept to the minimum generally to meet theliquidity needs of the scheme.


Debt Securities


1. UTI-G-Sec-Investment Plan2. UTI-G-Sec-Short Term PlanBoth the plans have following options :(a) Dividend Option (with reinvestment facility) (b) Growth Option

1. Systematic Investment Plan (SIP) and Automatic Trigger facilities are available.2. Systematic Transfer Investment Plan (STRIP) available under G-Sec Short Term Plan

1. Growth Option - Rs.1,000/- and in multiples of Re.1/- .

2. Dividend Option - Rs.10,000/- and in multiples of Re.1/-.

3. Subsequent Minimum Investment Amount Rs.1,000/- and in multiples of Re.1/-.

* Computed on compounded annualized basis using NAV of Growth Option.Past performance may or may not be sustained in future

1. UTI G-Sec Investment Plan - I-Sec LIBEX2. UTI G-Sec Short Term Plan - I-Sec SIBEX (1-3 years)

Dividend distribution, if any, under the Dividend Option of the scheme will be made subject to availability ofdistributable surplus at such period/s as UTI AMC may fix.

Amandeep Chopra


Asset AllocationPattern of the scheme

Plans and Options

Facilities Offered


Benchmark Index

Dividend Policy

Name of the Fund Manager

UTI-G-Sec Fund(An open end gilt fund)

Performance of thescheme as on March30, 2007

UTI-G-Sec Fund - Investment Plan


Last 1 year

Last 3 years

Last 5 years

Since Inception

SchemeReturns (%)

4.47

1.78

5.63

8.87

I-Sec LIBEX(%)

5.73

2.75

NA

NA

UTI-G-Sec Fund - Short Term Plan


Last 1 year

Last 3 years

Since Inception

SchemeReturns (%)

6.09

4.94

4.89

I-Sec SIBEX(%)

5.91

4.82

NA

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Expenses of the Scheme 1. UTI-G-Sec Fund - Short Term PlanEntry Load : NIL Exit Load : NIL

2. UTI-G-Sec Fund - Investment Plan

Application size

< Rs.25 Crs

=> Rs.25 Crs

Entry load (As % of NAV)

NIL

1.25%

Exit Load(As % of NAV)

NIL

(i) Load Structure

(ii) Recurring expensesFirst Rs.100 crores - 1.00%Next Rs.300 crores - 1.00%Next Rs.300 crores- 1.00%Balance- 1.00%

Actual expenses for the period 01.04.05 to 31.03.06 :

1. UTI-G-Sec Fund Investment Plan : 1.00%

2. UTI-G-Sec Fund-STP : 0.75%


UTI-Liquid Fund(An open end income scheme)

The Scheme seeks to generate steady and reasonable income, with low risk and high level of liquidity froma portfolio of money market securities and high quality debt.



The scheme will not invest in Equity and Equity LinkedInstruments.




Debt Securities(including Central Govt. securities)


Plans and Options 1. UTI-Liquid Cash Plan (Regular) :a) Dividend - (only reinvestment facility available)b) Monthlyc) Growth

2. UTI-Liquid Cash Plan (Institutional)a) Dividend - (option for payout and reinvestment available)

- Daily- Weekly- Monthly

b) Growth3. UTI-Liquid Short Term Plan (Regular)

a) Dividend - (option for payout and reinvestment available)b) Growth

Systematic Investment Plan (SIP) and Systematic Transfer Investment Plan (STRIP) facilities are availableunder UTI-Liquid Fund - Short Term Plan (Regular).

Facilities Offered

1. UTI-Liquid Cash Plan (Regular) - Rs.1 Lac2. UTI-Liquid Short Term Plan (Regular) - Rs.30,000/-3. UTI-Liquid Cash Plan (Institutional) - Rs.1 crore4. Subsequent minimum investment amount

UTI-Liquid Cash Plan (Regular) and UTI-Liquid Short Term Plan (Regular) - Rs.10,000/-.UTI-Liquid Cash Plan (Institutional) - Rs.10 Lacs.


Benchmark Index 1. UTI-Liquid Cash Plan - CRISIL Liquid Fund Index.2. UTI-Liquid Short Term Plan - CRISIL Short Term Bond Fund Index.

Dividend Policy Subject to availability of distributable surplus the scheme may make the dividend distribution at such intervalsas may be decided by the Trustee from time to time.


Performance of thescheme as on31st March 2007 for UTILiquid Cash Plan and30th March 2007 for UTILiquid Short Term Plan

* Computed on compounded annualized basis using NAV of Growth Option.Past performance may or may not be sustained in future.

UTI-Liquid Short Term Plan


Last 1 year

Last 3 years

Since Inception

SchemeReturns (%)

5.86

5.46

5.42

CRISIL Short TermBond Fund Index (%)

5.72

4.19

4.43

UTI-Liquid Cash Plan


Last 1 year

Last 3 years

Since Inception

SchemeReturns (%)

7.34

6.00

6.57

CRISIL LiquidFund Index (%)

6.37

5.13

5.01

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UTI-Liquid Plus Fund(An open-ended Income Scheme)

To generate an attractive return consistent with capital preservation and liquidity.


Types of Instruments Proportion (% of Corpus)

Min. Likely Max. Upto

- 80 90

10 20 100

Debt Securities (including Securitised debt)

Money Market (including cash / call money)

Plans and Options 1. Growth Plan2. Bonus Plan3. Daily Dividend Plan4. Weekly Dividend Plan5. Monthly Dividend Plan6. Quarterly Dividend Plan7. Annual Dividend Plan8. Institutional Plan with

(a) Growth Option(b) Daily Dividend Option(c) Weekly Dividend Option(d) Monthly Dividend Option(e) Quarterly Dividend Option(f) Annual Dividend Option and(g) Bonus Option

Only dividend reinvestment option is available under daily and weekly frequencies


Minimum amount of investment is Rs.1 lac and in multiples of Re.1/- thereafter.Institutional Plan - the minimum amount of investment is Rs. 1 Crore and in multiples of Re.1/- thereafter.

For additional purchase by existing unitholdersSubsequent minimum additional investment is Rs.10000/- and in multiples of Re.1/- thereafter.Institutional Plan - Subsequent minimum additional investment is Rs.1 lac and in multiples of Re.1/- thereafter.

Minimum redemption amount: Rs.1,000/- or equivalent units.Institutional Plan - For any amount in multiples of Rs. 1,000/-.

Minimum ApplicationAmount/Number of Units

Benchmark Index CRISIL Liquid Fund Index (w.e.f. April 03, 2007)


Dividend Policy Annual Dividend Plan - UTI-LPF & Annual Dividend Option - UTI-LPF-IPUnder this plan/option dividend is proposed to be declared once a year.

Quarterly Dividend Plan UTI-LPF & Quarterly Dividend Option - UTI LPF-IP

Under this plan/option, it is proposed to declare quarterly dividend, subject to availability of distributable profits,on the 15th day of the last month of each quarter (i.e. quarter ending September, December, March and June).If this is not a business day then the record date would be the next business day.

Daily Dividend Plan, Weekly Dividend Plan and Monthly Dividend Plan - UTI-LPF & Daily Dividend Option,Weekly Dividend Option and Monthly Dividend Option - UTI-LPF-IPDividend is proposed to be declared on a daily, weekly and monthly basis subject to availability of distributable surplus.



UTI-Liquid Plus Fund


Last 1 year

Last 3 years

Last 5 years

Since Inception

SchemeReturns

(%)

4.99

3.11

6.09

8.59

Crisil Comp.Bond Index

(%)

3.69

2.40

NA

NA

* Computed on compounded annualized basisusing NAV of Growth Option.

Past performance may or may not be sustained infuture.


(i) Load Structure

Entry Load : NIL

Exit Load : NIL (Minimum amount for redemption is Rs.10,000/-)


Actual expenses for the period 01.04.05 to 31.03.06 :

1. UTI-Liquid Cash Plan - 0.35%

2. UTI-Liquid Short Term Plan - 0.75%

9

UTI - Mahila Unit Scheme (UTI-MUS)(An open-end debt oriented scheme)

Investment Objective To invest in a portfolio of equity/equity related securities and debt and money market instruments with aview to generating reasonable income with moderate capital appreciation.



Minimum 0% Maximum 30%

Minimum 70% Maximum 100%

Investment in money market instruments will be kept to theminimum so as to be able to meet the liquidity needs of the scheme.


Debt Securities


Minimum investment is Rs.5,000/- in case of Dividend Option and Rs.1,000/- in case of Growth Option.Minimum Application Amount

Benchmark Index CRISIL MIP Blended Index

Dividend Policy Subject to availability of distributable surplus the scheme may make the dividend distribution at suchintervals as may be decided by the Trustee from time to time.

Plans and Options 1. Dividend Option with facility for reinvestment of dividends.2. Growth Option.

Facilities Offered Systematic Investment Plan (SIP) is available.



UTI - Mahila Unit Scheme (UTI-MUS)


Last 1 year

Last 3 years

Last 5 years

Since Inception

SchemeReturns

(%)

17.20

20.93

20.49

18.32

CRISIL MIPBlended

Index (%)

5.49

6.34

NA

NA

* Computed on compounded annualizedbasis.Past performance may or may not besustained in future.


< Rs.10 Lacs

=> Rs.10 Lacs


NIL

Exit Load (As % of NAV)


NIL

(i) Load Structure




UTI - MIS Advantage Plan(An open ended Fund. Monthly income is not assured and is subject to the availability of distributable surplus)

To generate regular income through investments in fixed income securities and capital appreciation / dividendincome through investment of a portion of net assets of the scheme in equity and equity related instrumentsso as to endeavor to make periodic income distribution to Unit holders.



Upto 100%

Upto 25%

Debt and Money Market Instruments(including securitised debt)

Equity & Equity Related Instruments

Expenses of the Scheme Entry load

NIL

Exit Load

0.15% if redeemed between 0-7 days from the dateof allotment of units.

(i) Load Structure

(ii) Recurring expenses Presently the total recurring expenses will not exceed 1.50% / 2.00% perannum of the average daily net assets under the Institutional Plan/OtherPlans respectively. Expenses over and above the limit specified above shallbe borne by the AMC. In case any fresh levies are introduced in future, theScheme may decide to change the above expense limit. However any suchchange in the limit of the expenses to be charged to the scheme shall beeffected only in accordance with the SEBI Regulations.


10

SchemeReturns (%)

5.47

10.34

10.43

Plans and Options The Scheme offers investors 4 Plans namely the :1. Monthly Dividend Plan2. Flexi Dividend Plan3. Monthly Payment Plan4. Growth Plan


Rs.25,000/- per application and in multiples of Re.1/- thereafter under Monthly Dividend Plan and Monthly Payment Plan.Rs.5,000/- per application and in multiples of Re.1/- thereafter under Flexi Dividend Plan and Growth Plan.Minimum account balance Rs.1,000/- under all the Plans.Minimum redemption amount Rs.1,000/- and in multiples of Re.1/-.



Dividend Policy 1. Monthly Dividend Plan - It is envisaged to declare dividends on a monthly basis subject to availability ofdistributable surplus computed in accordance with SEBI Regulations.

2. Flexi Dividend Plan - The Fund will endeavour to declare dividends from time to time subject to availability of distrib-utable surplus. The quantum of dividend would be as decided and approved by the AMC / Trustees from time to time.

3. Monthly Payment Plan - The Scheme intends to make monthly payments to investors by redeeming units.The investor can opt for receiving monthly payouts beginning the last business day of the month following themonth of investment subject to the declaration of the dividend under the Monthly Dividend Plan. Under thePlan, the investor will provide standing instructions to the AMC to redeem such units as equivalent in valueterms to the amount of Gross dividend per unit (total of Net dividend in the hands of the investor and dividendtax paid by the AMC) that the Fund will be declaring under the Monthly Dividend Plan, from his existingbalance of units as on the record date of the dividend. The redemption of the units not being in the nature ofthe dividends payments, the Fund will not be required to pay the dividend tax on such redemptions being paidto the unit holders. On receipt of such instructions, the AMC will redeem at monthly rests appropriate part ofthe unit holdings of the investor and dispatch the redemption proceeds.



UTI - MIS-Advantage Plan


Last 1 year

Last 3 years

Since Inception

CRISIL MIPBlended Index (%)

5.69

5.91

6.53

* Computed on compounded annualized basis using NAVof Growth Option.Past performance may or may not be sustained in future.


< Rs.10 Lacs

=> Rs.10 Lacs


NIL


0.5% if exited on or before 180days from the date of acceptance

NIL

(i) Load Structure




UTI - Money Market Fund (UTI-MMF)(A Money Market Mutual Fund)

To provide highest possible current income, by investing in a diversified portfolio of short-term money marketsecurities.


Instruments / Securities Maximum Exposure (% of Net Assets)

75

75

75

75

75

100

100

75

75

100

50

Government Dated Securities

Private Corporate Debt

PSU Bonds

Mortgaged backed Securities

FI & Banking Sector Bonds

Call Money

Treasury Bills

Commercial Paper

Certificates of Deposit

Repo Transactions

Bills Rediscounting

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Plans and Options 1. Growth Option2. Dividend Option

Systematic Transfer Investment Plan (STRIP) is available.Facilities Offered

Minimum amount of initial investment Rs.10,000/-. Subsequent amount of investment in the same folio Rs.10,000/-and in multiples of Re.1/- thereafter.

Minimum Application/Redemption Amount andbalance required in a folio

Benchmark Index CRISIL Liquid Fund Index

Dividend Policy Subject to availability of distributable surplus the scheme may make dividend distribution under Dividend Option,at such intervals as may be decided by UTI AMC from time to time.


Performance of thescheme as onMarch 30, 2007

UTI Money Market Fund


Last 1 year

Last 3 years

Last 5 years

Since Inception

SchemeReturns

(%)

7.20

5.84

5.78

7.77

Crisil LiquidFund Index

(%)

6.37

5.16

5.17

NA

* Computed on compounded annualized basisusing NAV of Growth Option.Past performance may or may not be sustainedin future.

Expenses of the Scheme Entry Load : NIL

Exit Load : NIL(i) Load Structure

(ii) Recurring expenses First Rs.100 crores - 2.25%

Next Rs.300 crores - 2.00%

Next Rs.300 crores - 1.75%

Balance - 1.50%



UTI - Monthly Income Scheme (UTI-MIS)(An open-ended fund. Monthly income is not assured and is subject to availability of distributable surplus)

This is an open-end debt oriented scheme with no assured returns. The scheme aims at distributing income, ifany, periodically.





While no fixed allocation will normally be made forinvestment in money market instruments like CallDeposits, Commercial Papers, Treasury Bills etc. thesame may be kept to the minimum generally to meetthe liquidity needs of the scheme.


Debt Securities


Plans and Options 1. Growth Option - with Systematic Withdrawal Plan (SWP)

2. Dividend Option - Option for re-investment available.

Compulsory re-investment where value of investment is below Rs.30,000/-.

1. Systematic Investment Plan (SIP) is available.

2. Systematic Withdrawal Plan (SWP) is available under the Growth Option.

Facilities Offered

1. Dividend Option - Rs.10,000/-

2. Systematic Withdrawal Plan - Monthly Withdrawal - Rs.30,000/-

3. Systematic Withdrawal Plan - Quarterly Withdrawal - Rs.20,000/-

4. Growth Option - Rs.1,000/- and in multiples of Re.1/- under all the options.

Subsequent amount of investment in the same folio Rs.1,000/- and in multiples of Re.1/-



12

Dividend Policy 1. Though it is the intention of the scheme to make regular dividend distribution under the dividend option,there may be instances when no dividend distribution could be made.

2. Dividend distribution under the Dividend option, if any, will be made subject to availability of distributablesurplus and a decision is taken by UTI AMC to make dividend distribution.

3. There is no assurance or guarantee to the unitholders as to the rate of dividend distribution.

4. Dividend distribution, if any, will be made every month or at such intervals as may be decided by UTI AMC fromtime to time.



UTI - Monthly Income Scheme


Last 1 year

Last 3 years

Since Inception

SchemeReturns (%)

5.20

6.14

7.25

Crisil MIP BlendedIndex (%)

5.69

6.33

9.12

* Computed on compounded annualized basis usingNAV of Growth Option. Past performance may or maynot be sustained in future.


< Rs.10 Lacs

=> Rs.10 Lacs


NIL



NIL

(i) Load Structure

(ii) Recurring expenses First Rs. 100 crores - 2.25%Next Rs. 300 crores - 2.00%Next Rs. 300 crores - 1.75%Balance - 1.50%



UTI - Unit Scheme for Charitable and Religious Trusts and Registered Societies(UTI - CRTS)

(An open-end income oriented scheme)

To primarily provide regular income to unitholders of the scheme.





While no fixed allocation will normally be made for investmentin money market instruments like Call Deposits, CommercialPapers, Treasury Bills etc. the same may be kept to theminimum generally to meet the liquidity needs of the scheme.


Debt Securities


Plans and Options i) Dividend Option

ii) Growth Option

1. Minimum amount of investment is Rs.10,000/- and in multiples of Re.1/-2. Subsequent minimum investment is Rs.1,000/- and multiples of Re.1/- in the same folio.



Dividend Policy 1. The scheme shall distribute a minimum of 75% of its net annual distributable income periodically at suchrates as may be decided.

2. UTI AMC may declare interim dividend distribution/s payable on such date/s or at the end of such period/s asthe Trustee may fix and deem fit.

Amandeep ChopraName of the Fund Manager

Performance of thescheme as onMarch 30, 2007

UTI - CRTS


Last 1 year

Last 3 years

Last 5 years

Since Inception

SchemeReturns

(%)

1.68

14.97

15.55

14.42

Crisil MIPBlended

Index (%)

5.69

6.34

NA

NA

* Computed on compounded annualized basis.Pastperformance may or may not be sustained in future.

Systematic Withdrawal Plan (SWP) is available.Facilities Offered

13

First Rs.100 crores - 2.25%Next Rs.300 crores - 2.00%Next Rs.300 crores - 1.75%Balance - 1.50%


(i) Load Structure

Entry Load : NIL

Exit Load : 3% - less than 1 year2% - 1 to less than 2 years1% - 2 to 3 yearsAfter 3 years redemption is at NAV.

(ii) Recurring expenses Actual expenses for the period

01.04.05 to 31.03.06 : 1.40%

UTI-Variable Investment Scheme - Index Linked Plan(An open-end scheme with dynamic allocation between equity & debt classes)

Investment Objective This is an open-end plan aiming to make dividend distribution periodically. The plan will, as part of the investmentobjective take a contrarian outlook on the equities. For instance if the equity index is below 11200 SENSEXthe exposure to equity would be higher, say 90%. With the upward movement of the SENSEX say to 12000 thisexposure to equity would be scaled down to say 80% and correspondingly the exposure to debt will move upfrom 10% to 20% and so on. This would result in the plan booking profits on sale of equity with every rise in theSENSEX by 800 points and higher interest income on debt portfolio with increased exposure to debt.


Asset Allocation (% to NAV)

SENSEX

Upto 1120011201 to 1200012001 to 1280012801 to 1360013601 to 1440014401 to 15200Above 15200

Central Government Securities / Debt/Money Market Instruments

including cash (%)

Not more than30405060708090

Equity comprised in theSENSEX (%)

Not more than90807060504030

As and when investments in equities get reduced, the exposure in debt instruments / Govt. securities will correspondinglygo up and vice-versa, presently subject to the limits prescribed in the above table.The asset allocation between equityand debt is proposed to be reset every month depending upon the level of SENSEX as at the last trading day of theprevious month. Re-set of asset allocation would be done within 5 business days of the current month. The Tablewould be reset every year.

Minimum amount of initial investment is Rs.5000/-

Subsequent minimum amount of investment is Rs.1000/-

Minimum ApplicationAmount / Number of Units

Systematic Investment Plan (SIP), Systematic Transfer Investment Plan (STRIP) and Automatic Trigger facilities areavailable.

Facilities Offered

Growth Option and Dividend Option with Payout and Reinvestment facilities.Plans and Options

Swati KulkarniName of the Fund Manager

Dividend distribution, if any, under the plan/s will be made subject to availability of distributable surplus andother factors and a decision is taken by the Trustee to make dividend distribution.

Dividend Policy

BSE Sensex & Composite Bond Fund IndexBenchmark Indices

Application size

< Rs. 2 crores

=> Rs.2 crores


i) Load Structure


1.50%

Nil


Nil

Nil

First Rs.100 crores - 2.50% *Next Rs.300 crores- 2.25%Next Rs.300 crores - 2.00%Balance- 1.75%

Performance ofthe scheme as onMarch 30, 2007

* Computed on compounded annualised basis.Past performance may or may not be sustained in future.

SchemeReturn (%)

4.14

12.48

16.29

BSE Sensex(%)

15.61

33.29

38.75

CompoundedAnnualisedReturns *

Last 1 year

Last 3 years

Since Inception

CompositeBond Index

(%)

3.72

2.39

4.16

ii) Recurring expenses Actual expenses for the period01-04-2005 to 31-03-2006 : 2.28%

* Note : A maximum of 2.25% of average daily net assets will be charged as recurring expenses per annum when the asset allocation to debt/moneymarket exceeds 65%.

14

Risk Profile of the Schemes Mutual Fund investments are subject to market risks. Please read the offer document carefully for detailson risk factors before investment.

Eligible Investors (1) An application for issue of units under all schemes except UTI-CRTS can be made by any resident ornon-resident Indian as well as non-individuals as indicated below:

(a) Resident Adult Individuals/Non-Resident Indians/Persons of Indian Origin residing abroad (NRIs) onrepatriation and non-repatriation basis either singly or jointly not exceeding three (not exceeding two forUTI-MIS and UTI-Liquid Fund), Minors through parent/lawful guardian,

(b) Companies, Bodies Corporate, Eligible Trusts, Association of Persons or Bodies of Individuals, Societies,Banks and Financial Institutions, Army, Air Force, Navy and other Paramilitary Fund and bodies createdby such institutions,

(c) Partnership Firms, Hindu Undivided Family (HUF),

(d) Foreign Institutional Investors (FIIs) Registered with SEBI on repatriation basis (not available under UTI-MIS),

(e) Mutual Funds registered with SEBI including other schemes of UTI-Mutual Fund (not available underUTI-MIS, UTI-G-Sec Fund and UTI-Bond Fund).

(2) Apart from those listed above, the following types of applicants can also invest under UTI-G-SecFund, UTI-LPF, UTI-GAF, UTI-MIS Adv. Plan & UTI-Floating Rate Fund.

(a) Non-government provident funds, superannuation funds & gratuity funds as also other provident funds,pension funds, superannuation funds and gratuity funds(applicable under UTI-G-Sec & UTI-GAF),

(b) International Multilateral Agencies/Bodies Corporate incorporated outside India with the permission ofthe Government of India/Reserve Bank of India,

(c) Scientific and Industrial Research Organisations,

(d) Trustee, AMC, Sponsor and their associates may subscribe to units under these Scheme (applicableunder UTI-GAF-LTP, UTI-LPF, UTI-Floating Rate Fund & UTI-MIS Adv. Plan).

(3) Apart from those listed at (1) above, an individual for the benefit of another individual who is a mentallyhandicapped person can also invest under UTI-MIS and UTI-Bond Fund.

(4) Application for units under UTI-CRTS can be made by :

(a) a charitable or religious trust or an endowment which is administered or controlled or supervised by orunder the provisions of any Central or State enactment which is for the time being in force,

(b) A registered society, an educational trust, a school, college, university,

(c) Any other body either established under or controlled by a State or Central Act and carrying out anycharitable purpose, a non profit company set up under section 25 of the Companies Act, 1956.

Applications for purchase of units shall be made by such persons as are duly authorised in this behalf by thecharter of establishment, rules and regulations, etc., governing the investors.

Applications for units shall be accompanied by such documents as the UTI AMC may prescribe in this behalf fromtime to time.

(5) Application for units under UTI-MUS may be made by any adult resident Indian and NRI as indicatedbelow :

(a) an Indian resident or an NRI female person who has completed 18 years of age can invest in her ownname either singly or jointly with another adult person on “first holder or survivor” basis. The secondapplicant will enjoy all the rights like a nominee,

(b) a resident or NRI adult person may apply as an alternate applicant for the benefit of a mentally handicappedresident or NRI adult female person.

Features Common to all Schemes

Applicable NAV ForUTI-MMF, UTI-Liquid CashPlan and UTI-Floating RateFund (STP)

Purchase :Operation

Valid applications received and funds areavailable for utilisation on the same day.

Valid applications received and clear fundsare available for utilisation on the same day.

Irrespective of the t ime of receipt ofapplication, where the funds are not availablefor utilisation on the day of the application.

Redemption :Operation

Valid applications received.


Cut-off Timing Applicable NAV

Upto 12 noon

After 12 noon

Within BusinessHours

Cut-off Timing

Upto 3.00 p.m.

After 3.00 p.m.

The closing NAV of the day immediatelypreceding the day of receipt of theapplication.

The closing NAV of the day immediatelypreceding the next business day.

The closing NAV of the day immediatelypreceding the day on which the fundsare available for utilisation.

Applicable NAV

The closing NAV of the day immediatelypreceding the next business day.

The closing NAV of the next business day.

15

Applicable NAV for UTI-G-Sec, UTI-Bond Fund, UTI-Liquid Short Term Plan, UTI-MIS, UTI-CRTS, UTI-GAF,UTI-LPF, UTI-MIS-AdvantagePlan, UTI-MUS, UTI-FMP (forredemption) and UTI-VIS-ILP.

Purchase :Operation

Valid applications received with local cheques/ demand drafts payable at par at the placewhere the application is received.

Valid applications received with local cheques/ demand drafts payable at par at the placewhere the application is received.

Valid applications received with outstationcheques / demand drafts (for the schemes /investors as permitted in the offer documents)not payable at par at the place where theapplication is received.

Redemption :Operation



Cut-off Timing Applicable NAV

Upto 3.00 p.m.

After 3.00 p.m.

Within BusinessHours

Cut-off Timing

Upto 3.00 p.m.

After 3.00 p.m.

Closing NAV of the day of receipt of theapplication.

Closing NAV of the next business day.

Closing NAV of the day on whichcheque/demand draft is credited to theScheme/Plan.

Applicable NAV

Closing NAV of the day of receipt of theapplication.

Closing NAV of the next business day.

Within 10 business days of the receipt of the redemption request at the authorised centre of UTI MutualFund.

Despatch of RedemptionRequest

UTI Trustee Company Private LimitedName of the TrusteeCompany

The disclosures in respect of tax benefits to the Mutual Fund and the unitholders is in accordance with the prevailing tax laws. The informationstated below is based on UTI Mutual Fund’s understanding of the tax laws and only for the purpose of providing general information to theinvestors of the Schemes. As in the case with any investment there can be no guarantee that the tax position prevailing at the time ofinvestment in the Schemes will endure indefinitely.

Further statements with regard to tax benefits mentioned herein below are mere expressions of opinion and are not representations of theMutual Fund to induce any investor to acquire units whether directly from the Mutual Fund or indirectly from any other persons by the secondarymarket operations. Thus the prospective investors should not treat the contents of this section of the memorandum as advice relating to legal,taxation, investment or any other matter and are advised to consult his or her own tax consultant with respect to the specific tax implicationsarising out of his or her participation in the Schemes.

Tax Issues Concerning Mutual Fund

UTI Mutual Fund is a Mutual Fund registered with SEBI and as such is eligible for benefits under section 10 (23D) of the Income Tax Act, 1961(hereinafter referred to as “the Act”) to have its entire income exempt from income tax.

The Mutual Fund will receive all income without any deduction of tax at source under the provisions of Section 196(iv) of the Act.

By virtue of section 45 of the Wealth Tax Act, 1957, wealth tax is not chargeable in respect of net wealth of a Mutual Fund registered under section10(23D) of the Income Tax Act, 1961, hence UTI Mutual Fund is not liable to pay Wealth Tax under the provisions of the Wealth Tax Act, 1957.

Tax Issues Concerning Unit holders

A. Tax on income in respect of units

As per the section 10(35) of the Act, income received by investors under the schemes of UTI MF is exempt from income tax in the handsof the recipient unit holders.

As per section 115R of the Act, income distribution tax shall be levied at 12.5% plus surcharge for distribution made to individuals orHindu Undivided Families and for any other person at 20% plus surcharge w.e.f. 9th July 2004. Further, education cess @ 2% would becharged on amount of tax plus surcharge.

TDS on income of units

As per the provisions of section 194K and section 196A of the Act where any dividend is credited or paid on or after 1st April 2003 by aMutual Fund, no tax is required to be deducted at source.

B. Tax on capital gains

(i) Long Term Capital Gains

• Resident Unitholders

Any long term capital gain arising on redemption of units by residents is subject to treatment indicated under Section 48 and 112 ofthe Income Tax Act, 1961. Long term capital gains in respect of units held for more than 12 months is chargeable to tax @ 20% andthe surcharge thereon after factoring the benefit of cost inflation index or tax @ 10% and the surcharge thereon without indexation,whichever is lower. The said tax rate would be increased by applicable surcharge i.e. @ 10% for Individuals, HUF, AOP, BOI havingtotal income above Rs.10 Lakhs, @ 10% for firms and domestic company, @ 2.5% for non-domestic company and @ Nil for Co-operative Society or local authority. The tax and surcharge will be increased by education cess @ 2%.

Tax Treatment

16

• Non Resident Unitholders

Under section 115 E of the Income Tax Act, 1961, in case of income of non resident Indians by way of long term capital gains, inrespect of units is chargeable at the rate of 20% plus surcharge. The tax and surcharge will be increased by education cess @ 2%.The chapter exclusively deals with taxation related to Non-resident Indians. Under section 115 D of the Income Tax Act, a non-resident Indian cannot avail the benefit of indexation.

In the alternative the capital gains tax may be computed by the non residents under section 112, if it is more beneficial to them. UnderSection 112 of the Income Tax Act, 1961 long term capital gains are taxed at the rate of 20% plus surcharge. The tax and surchargewill be increased by education cess @ 2%. The benefit of indexation is also available to the non residents under section 48 of theIncome Tax Act, 1961. Gains on short term capital asset are taxed as regular income.

• FIIs

As per section 115 AD of the Act, long term capital gains on sale of units are to be taxed @ 10% and short term tax are to be taxed@ 30%. Such gains in either case would be calculated without indexation benefit as the first and second provisos to section 48 do notapply to FIIs by virtue of section 115 AD(3) of the Act. The applicable tax rates would be increased by applicable surcharge. The taxand surcharge will be increased by education cess @ 2% on the amount of tax plus surcharge.

{ii) Short term capital gains

Units held for not more than twelve months proceeding the date of their transfer are short term capital assets. Capital gains arisingfrom the transfer of short term capital assets will be subject to tax at the normal rates of tax applicable to such assessee.

C. TDS on capital gains

(i) Resident Investors

As per Central Board of Direct Taxes (‘CBDT’) circular No.715 dated 8th August 1995, in case of resident unitholders no tax isrequired to be deducted from capital gains arising at the time of redemption of the units.

(ii) for Non Resident Investors

• Long term capital gains

As per Part II of the First Schedule to the Finance Act 2006 {Clause 1 (b) (i) (D)}, the Mutual Fund is liable to deduct tax @ 20% onlong term capital gains.

• Short term capital gains

As per Part II of the First Schedule to the Finance Act 2006 {Clause 1 (b) (i) (K)}, the Mutual Fund is liable to deduct tax @ 30% onshort term capital gains.

The TDS will have to be increased by applicable surcharge. Further an education cess @ 2 per cent would be charged on amount of taxand surcharge.

(iii) Other than a Domestic Company :

• Long term capital gainsAs per Part II of the First Schedule to the Finance Act 2006 {Clause 2 (b) (viii)}, the Mutual Fund is liable to deduct tax @ 20% onlong term capital gains.

• Short term capital gainsAs per Part II of the First Schedule to the Finance Act 2006 {Clause 2 (b) (ix)}, the Mutual Fund is liable to deduct tax @ 40% onshort term capital gains.

The TDS will have to be increased by applicable surcharge. Further an education cess @ 2 per cent would be charged on amount of tax andsurcharge.

Foreign Institutional Investors (FIIs) :In the case of Foreign Institutional Investors (FIIs), no tax would be deductible at source from the capital gains arising on redemption ofunits in view of section 196 D (2) of the Act.

GENERAL

Double Taxation Avoidance Agreement (DTAA)

As per Circular No. 728 dated October 30, 1995 issued by the CBDT, in the case of remittance to a country with which a DTAA is in force, thetax should be deducted at the rate provided in the Finance Act of the relevant year or at the rate provided in the DTAA, whichever is morebeneficial to the assessee. In order for the unitholder to obtain the benefit of a lower rate available under a DTAA, the unit holder will berequired to provide the Mutual Fund with a certificate obtained from his Assessing Officer stating his eligibility for the lower rate.

Short term capital losses

According to section 94(7) of the Act as amended by the Finance (No. 2) Act, 2004, if any person buys or acquires units within a period of threemonths prior to the record date fixed for declaration of dividend or distribution of income and sells or transfers the same within a period of ninemonths from such record date, then losses arising from such sale to the extent of income received or receivable on such units, which areexempt under the Act, will be ignored for the purpose of computing his income chargeable to tax.

Further, Finance (No. 2) Act, 2004 has inserted sub-section (8) in Section 94 which provides that, where additional units have been issued toany person without any payment, on the basis of existing units held by such person then the loss on sale of original units shall be ignored forthe purpose of computing income chargeable to tax, if the original units were acquired within 3 months prior to the record date fixed for receiptof additional units and sold within 9 months from such record date. However, the loss so ignored shall be considered as cost of acquisition ofsuch additional units held on the date of sale by such person.

17

Investments by Religious and Charitable TrustInvestment in units of the Mutual Fund will rank as eligible form of investment under section 11 (5) and section 13 of the Act read with Rule17C(i) of the Income Tax Rules, 1962 for Public Religious & Charitable Trust.

Wealth Tax

Units of Mutual Fund are not covered under the definition of ‘assets’ under section 2(ea) of the Wealth Tax Act, 1957, and hence value ofinvestment in units under the scheme is completely exempt from Wealth Tax.

Gift TaxThe Gift Tax Act, 1958 has abolished the levy of Gift Tax in respect of gifts made on or after 1st October 1998. Thus, gifts of units on or after1st October, 1998 are exempt from Gift Tax.

Further, subject to certain exceptions, gifts from persons exceeding Rs.25,000/- are taxable as income in the hands of donee on or after 1stSeptember 2004 pursuant to section 2(24)(xiii) of the Act read with section 56(2)(v) of the Act.

As per Finance Bill 2007,a secondary and higher education cess @ 1% would be charged on amount of tax plus surcharge. By the FinanceBill 2007, the rate of income distribution tax under section 115R of the Act has been increased to 25% for all persons for Money Market andLiquid Schemes.

The NAVs shall be issued to the press for publication on a daily basis and will also be available onwebsite of UTI Mutual Fund, www.utimf.com and website of AMFI namely www.amfiindia.com.

Daily Net Asset Value(NAV) Publication

For Investor Grievanceplease contact

Name and Address of Registrar

For UTI G-Sec Fund, UTI-Bond Fund, UTI-MonthlyIncome Scheme, UTI-Unit Scheme For Charitable &Religious Trusts & Registered Societies, UTI-Mahila UnitScheme & UTI-Variable Investment Scheme-ILP .

M/s. UTI Technology Services Ltd.,Plot No.3, Sector 11, CBD Belapur,Navi Mumbai – 400 614.Tel.022-6793 1010. Fax : 6793 1099.email : [email protected]

For UTI-Money Market Fund, UTI-Liquid Fund, UTI-GiltAdvantage Fund, UTI-Liquid Plus Fund, UTI-FloatingRate Fund, UTI-MIS Advantage Plan, UTI-Fixed Matu-rity Plan.

M/s. Karvy Computershare Private Limited,21, Avenue 4, Street No.1,Banjara Hills, Hyderabad – 500 034.Tel. 040-23312454 / 23320751. Fax : 23311968email : [email protected]

All investors could refer their grievances giving fullparticulars of investment at the following address:

Shri K P Ghosh, UTI AMC (P) Ltd.,UTI Tower, Gn Block, Bandra – Kurla Complex,Bandra (East),Mumbai - 400 051.Tel : 6678 6666 Fax : 2652 3031

Investors may post their grievances at ourwebsite:www.utimf.com

Unitholders Information Accounts statement (on each transaction) and annual financial results shall be provided to investors by post/any other mode. Half yearly scheme portfolio disclosure will be mailed to unitholders or published in thenewspapers as permitted under SEBI (Mutual Funds) Regulations, 1996.

Date : April 18, 2007

INSTRUCTIONS

(a) Please read the terms of the Key Information Memorandum and the Offer Document carefully before filling the Appli-cation Form. Investors should also apprise themselves of the prevailing Load structure on the date of submitting theApplication Form. Investors are deemed to have accepted the terms subject to which this offer is being made and bindthemselves to the terms upon signing the Application Form and tendering payment.

(b) Before submission of application form at UTI Financial Centres and other authorised collection centres, investors mayplease ensure that the form has been filled in completely and signed by all the applicants properly as incompleteapplication is liable to be rejected.

(c) NRI applicants should preferably submit the application at NRI Branch, Mumbai, Dubai Representative Office, BahrainRepresentative Office or any Financial Centre of UTI AMC along with NR(E) / NR(O) cheque or a rupee draft payableat the place where the application is submitted.

(d) The cheque / draft accompanying an application should be made payable in favour of ‘The name of the scheme’.

(e) Outstation cheques are not accepted. In case the payment is made by demand draft, the draft commission will have tobe borne by the applicants. However for investment made from areas where there are no UTI Financial Centres orauthorised collection centres (where local cheques are accepted), UTI AMC may, if it so decides, bear draft chargesto the extent of Rs.250/- per application or the actual as is prescribed by banks, whichever is lower or such amount asmay be decided by UTI AMC from time to time. The investors have to attach proof of the DD charges paid to a bank (i.e.acknowledgement issued by the bank where DD is purchased). The reimbursement/ adjustment of DD charges issolely at the discretion of UTI AMC and in case it is found that such charges are unreasonably higher than normalmarket rates, such charges may not be admissible. The draft commission charges will form part of recurring expensesof the scheme. However in case of applications received along with local bank draft where UTI AMC has its FinancialCentres/ or any other authorised collection centre, bank draft commission will have to be borne by the investors.

(f) Please write the application serial number and /ID number on the reverse of the cheque / draft.

(g) Please fill in the names of the applicant(s) / minor / institution / parent or lawful guardian/ alternate applicant/ nominee, etc.at the appropriate places in the application form. PIN code no. must be given with address to avoid delay / loss in transit.

(h) It is mandatory for an applicant to furnish full and correct particulars of bank account such as nature and number of theaccount, name and address of the bank, name of the branch, MICR code of the branch (where applicable) etc. at theappropriate place in the application form. Application without such bank particulars is liable to be rejected. If the creditof income distribution, is delayed or not effected at all for reason of incomplete or incorrect information furnished bythe applicant, UTI AMC cannot be held responsible.

(i) Franchise offices / chief representatives and agents are not permitted to accept cash with an application form.UTI AMC will, in no way, be responsible for such or other wrong tenders.

(j) In case of investment of Rs.50,000/- and above, SEBI has made it mandatory for all the applicants to furnish IncomeTax PAN. An application for Rs.50,000/- or more without PAN and where such number has been allotted to theapplicant, will be rejected. Investors are required to provide the photocopy (self attested by the investor) of the PANcard along with the application form. In the absence of photocopy of the PAN card, copy of the refund order issued bythe IT Department or any communication issued by IT Department, wherein PAN of the investor is stated will also beaccepted. If the Investment is in the name of the minor, the PAN of the minor or his father/mother/guardian whoseparticulars are provided in the application form is to be provided. In case the PAN has not been allotted the same hasto be mentioned in the application form and Form 60/61 has to be submitted by non-holders of PAN. Non residents areexempted from the requirement of PAN and therefore furnishing of Form 60 is not applicable for non-residents.

(k) E-mail communication: Unitholders who have opted to receive documents/communication by e-mail will be requiredto download and print the documents/communication after receiving the e-mail from UTI AMC. Should the unitholderexperience any difficulty in accessing the electronically delivered documents/communication, the unitholder shouldadvise the Registrars immediately to enable UTI AMC to send the same through alternate means. In case of non-receipt of any such intimation of difficulty within 24 hours from receiving the e-mail, it will be regarded as receipt of e-mail by the unitholder.

It is deemed that the unitholder is aware of all the security risks including possible third party interception of thedocuments/communications and contents of the same becoming known to third parties.

(l) In case of investment of Rs. 50,000/- and above, investors are required to submit copy of acknowledgement providedby service provider as per Prevention of Money Laundering Act, 2002, the rules notified thereunder and SEBI's guide-lines on Anti Money Laundering.

CHECK LIST

Please ensure that:

Your name and address is given in full.

All PAN details are given (wherever relevant), failing which your application will be rejected.

Copy of acknowledgement provided by service provider is given (wherever relevant), failing which your application will be rejected.

Your bank account details are entered completely and correctly. This is mandatory. If this is not included, your applicationwill be rejected.

Your preferred option is selected.

Your investment is not less than the minimum investment amount.

Your application is completed and signed by all applicants.

Cheques are drawn in favor of ‘The Name of the Scheme’ in which amount is invested, dated, signed and crossed ‘A/cpayee only’.

On the reverse of each cheque submitted, the Application Form/ID number is written.

4. BANK ACCOUNT DETAILS (Mandatory as per SEBI guidelines)

Please provide the following details relating to the Sole / First Holder for Redemption / Dividend Warrants.

Name of the Bank Branch

Branch Address City

Pin Code Account Type (please �) Current Savings NRE NRO

Account Number

1. APPLICANT INFORMATION (Please fill in Block Letters)

Personal Details of First Applicant / Mentally Handicapped Person Title (Please �) Mr Ms M/s Others(for UBF/MIS) & Adult Female Person (for MUS)

Name

Date of PAN (Ref. instruction j) Not applicable to NRIsBir th

Contact Person and Designation (in case of Institutional Investors) / Name of Guardian (in case of Minor) /Alternate applicant (in case of UBF/MIS/MUS)

Mr / Ms

Name of Second Applicant

Mr / Ms / M/s

PAN (Ref. instruction j)Name of Third Applicant

Mr / Ms / M/s

PAN (Ref. instruction j)

Mode of Holding (Please �) Single Joint Anyone or Survivor First Holder or Survivor

Mailing Address/Contact details of Sole / First Applicant (P.O. Box Address is not sufficient)

City

State

Sr. No. 2007 /COMMON APPLICATION FORM FOR INCOME SCHEMES

(PLEASE READ INSTRUCTIONS CAREFULLY TO HELP US SERVE YOU BETTER)

d d / m m / y y y y

3. PAYMENT DETAILS (Please mention application no. on the reverse of cheque / DD)

Cheque / DD No.

Date

Bank

Branch

Amt. of Cheque/DD (i)

DD Charges if any (ii)

Amt. of investment (i+ii)

Amt. in words

Account Type (please �)

Current Savings NRE

NRO DD issued fromAbroad

Pin Code

(Furnishing of Pin Code details is mandatory)

Status ofFirst Applicant

(please �)

Resident Individual

Partnership

Company

HUF FII

NRI Trust

Society AOP

BOI

Body Corporate

On behalf of Minor

Others

Occupation(please �)

Service

Professional

Business

Housewife

Retired

Student

Others

Country Postal Code

Overseas Address ( Mandatory for NRIs / FIIs )

Phone / Mobile e-mail

6. E-MAIL COMMUNICATION (refer instruction k)I/We wish to receive the following via e-mail (Please �)

Account Statement Annual Report Transaction Confirmation Communication of change of address, bank details, etc.

5. ELECTRONIC CLEARING SERVICE (ECS) (Please �)

I/We authorise UTI Mutual Fund to credit Dividend amount through ECS.The 9 digit MICR Code number of my/our Bank and Branch is :

(The 9 digit code appears on your chequenext to the Cheque Number)

City State

PLEASE USE SEPARATE FORM FOR EACH SCHEME

To be Despatched to my Foreign Address. To be Despatched to my Relative’s Address in India.

2. OPTION FOR DESPATCH OF STATEMENT OF ACCOUNT IN CASE OF NRIs

(For UTI MUS)

Stamp of UTI AMC Office/AuthorisedCollection Center

for Rs. (in figures)

Drawn on (Bank)

* Cheques and drafts are subject to realisation.

along with Cheque / DD No.* dated

Received from Mr / Ms / M/s

ACKNOWLEDGEMENT For _____________________________________(Scheme Name)(To be filled in by the Applicant)

Sr.No. 2007/ __________________________________

(Application form continued on the reverse)

ARN Broker Name Sub-Broker Code M O Code CR / CA Code Bank Branch Bank Sr. No.

DISTRIBUTOR INFORMATION RECEIVING ENTITY INFORMATION(only empanelled Distributors/Brokers will be permitted to distribute Units)

ARN Broker Name Sub-Broker Code M O Code CR / CA Code Bank Branch Bank Sr. No.

UTI-Liquid Fund Cash Plan (Regular) Dividend Monthly Growth

Cash Plan (Institutional) Dividend Option Daily Weekly Monthly* Growth Option Short Term Plan (Regular) Dividend Option* Growth Option

(Default Plan-Cash Plan (Regular), Default Option-Dividend Option (Daily Reinvestment) under Cash Plan and Dividend Option (Reinvestment) under Short Term Plan)(For Rs. 1 crore and above default is Cash Plan (Institutional ) ) For STRIP under UTI-Liquid Fund-STP (Regular) fill separate form

7. Investment details. Please use separate application form for each scheme (Please �)

UTI-Bond Fund UTI-MIS UTI-Mahila Unit Scheme UTI-Floating Rate Fund-STP UTI-CRTS (Default Option - Growth Option) Dividend Option* Growth Option $ (Under Dividend Option of UTI-Floating Rate Fund-STP dividend will be compulsorily reinvested)

For STRIP under UTI-Floating Rate Fund-STP fill separate form

Notes:1. If the application is incomplete and any other requirement is not fulfilled, the application is liable to be rejected.2. In case the applicant does not receive the Statement of Account within 30 days from the date of acceptance of the application, he/she may please write to the

Registrar quoting serial number, date of acknowledgement and the name of the accepting authority.3. All communication relating to issue of Statement of Account, Change in name, Address or Bank particulars, Nomination, Redemption, Death Claims etc., may

please be addressed to the Registrars :(i) For UTI-G-Sec Fund, UTI-Bond Fund, UTI-Monthly Income Scheme, UTI-Mahila Unit Scheme, UTI-CRTS and UTI-VIS-ILP

UTI Technology Services Ltd. : Plot No.3, Sector 11, CBD Belapur, Navi Mumbai - 400 614, Tel. : 67931010(ii) For UTI-Money Market Fund, UTI-Liquid Fund, UTI-Gilt Advantage Fund, UTI-Liquid Plus Fund, UTI-Floating Rate Fund, UTI-MIS-Advantage Plan and

UTI-Fixed Maturity Plan.Karvy Computershare Private Limited : 21, Avenue 4, Street No.1, Banjara Hills, Hyderabad - 500 034, Tel. : 040-23312454/23320751

(Default Plan/Option-Investment Plan & Growth Option)For Trigger Facility & STRIP (available under UTI-G-Sec-STP only) fill separate form

UTI-G-Sec Fund Investment Plan Short Term Plan Dividend Option* Growth Option

$ I/We wish to opt for Systematic Withdrawal Plan under Growth Option of UTI-Bond Fund UTI-Monthly Income Scheme (MIS) UTI-CRTS as under :

Fixed Withdrawal Plan Monthly Payment :Rs._________________ Quarterly Payment : Rs._______________________

Variable Withdrawal Plan (available under UTI-Bond Fund Only)

UTI-GILT Long Term Plan Growth Plan Dividend Plan* PF Plan Growth Option Dividend Option*

Advantage Prescribed Date Auto Redemption Option (PDAR) #Fund-LTP Prescribed Appreciation Auto Redemption Option (PAAR) # # : (both Options available under PF Plan)

Payout Reinvestment Principal Amount Whole Amount

In case of PDAR please specify a 'Desired Maturity Date' (dd mm yyyy)

In case of PAAR please specify a 'Desired Appreciation Rate' ________________% (Default Plan - Growth Plan)

UTI-Liquid Plus Growth Daily Dividend Weekly Dividend Monthly Dividend Quarterly Dividend* Annual Dividend* Bonus (Default - Daily Div.Plan / Option)Fund Institutional Plan Growth Option Daily Dividend Weekly Dividend Monthly Dividend Quarterly Dividend * Annual Dividend* Bonus Option

UTI-MIS-Advantage Plan Growth Plan Monthly Dividend Plan* Flexi Dividend Plan* Monthly Payment Plan (Default Option - Growth Plan)

UTI-Money Market Fund Dividend Option Growth Option (Default Option - Growth Option) For STRIP fill separate form

UTI-Fixed Maturity Plan (Use separate application form for each series)

Cheque / DD should be drawn in favour of UTI-Fixed Maturity Plan - YFMP (mm/yy) / HFMP (mm/yy) / QFMP (mm/yy-Plan No.) Regular Plan Institutional Plan (Default Plan - Regular Plan)

Yearly Series (YFMP) Half Yearly Series (HFMP) Quarterly Series (QFMP) (Rs.1 crore and above default is Institutional) Growth Option Dividend Option (Default Option - Growth Option)

* Please tick your option for Dividend Plan / Option Dividend Payout Dividend Reinvestment

9. DECLARATION AND SIGNATURES OF APPLICANT/sI/We have read and understood the contents of the offer document and key information memorandum, addenda issued till date and apply to the Trustee of UTI MutualFund as indicated above. I/We agree to abide by the terms and conditions, rules and regulations of the scheme as on the date of investment.I / We undertake to confirmthat this investment has been duly authorised by appropriate authorities in terms of all relevant documents and procedural requirements.I/We have not received nor been induced by any rebate or gifts, directly or indirectly in making investments.*I/We confirm that we are Non-Residents of Indian Nationality/Origin and that the funds are remitted from abroad through approved banking channels or from my/our fundsfrom my/our NRE/NRO Account.I/We undertake to provide further details of source of funds and any such other relevant document,if called for by UTI Mutual Fund.

* Applicable to NRIs

Name and Address of Nominee To be furnished in case Nominee is a Minor

Name Name of Guardian

Address ofAddress Guardian

Signature of GuardianDate of Birth (in case Nominee is a minor) (Optional)

8. NOMINATION DETAILS (optional)I/We hereby nominate the undermentioned Nominee to receive the amounts to my / our credit in the event of my / our death. I/We also understand that all payments andsettlements made to such Nominee and signature of the Nominee acknowledging receipt thereof, shall be a valid discharge by the AMC/Mutual Fund/Trustees.

2nd ApplicantName of the 2nd Authorised Signatory

Designation

3rd ApplicantName of the 3rd Authorised Signatory

Designation

1st Applicant/GuardianName of the 1st Authorised Signatory

Designation

UTI-VIS-ILP Growth Option Dividend Option* (Default Option - Growth Option)For SIP, STRIP and Automatic Trigger Facilities fill separate form

FOR OFFICE USE ONLY

UTI AMC INWARD NO. SCHEME CODEUFC CODE

SYSTEMATIC INVESTMENT PLANMandate Form for Auto Debit

(Please read instructions)

Banker’s Attestation (For bank use only)

Certified that the signature of the account holder and the details of Bank account.are correct as per our records.

To,The Branch Manager,

Pin:

Agent's Name and ARN

PARTICULARS OF BANK ACCOUNT

Bank Name

Branch Name

Account Number

A/C Type Savings Current NRE NRO

9 Digit MICR Code

Please provide the MICR Code of the bank branch from where the ECS/Direct Debit isto be effected. MICR code starting or ending with 000 are not valid for ECS.

UTI Mutual Fund, Mumbai 51.I / We hereby apply for making payment to SIP through Auto Debit [RBI’s ECS (Debit Clearing)/Direct Debit] for the following Scheme/Plan.

Accountholder Name asin Bank Account

I/We hereby declare that the particulars given above are correct and expressmy willingness to make payments referred above through participation inAuto Debit. If the transaction is delayed or not effected at all for reasons ofincomplete or incorrect information, I / we would not hold the user institutionresponsible. I / We will also inform UTI Mutual Fund, about any changes inmy bank account. I / we have read and agreed to the terms and conditionsmentioned overleaf.

I have attached cancelled blank cheque or its Photocopy.

Investor’s Signature Date

Authorisation of the Bank Account Holder (to be signed by the Investor)(To be retained by the Bank)

This is to inform that I/We hereby register for the RBI’s Electronic ClearingService (Debit Clearing)/Direct Debit and that my/our payment towardsmy investment in UTI Mutual Fund shall be made from my / our belowmentioned bank account with your bank. I authorise you to honour suchpayments. I / We also authorise the representative carrying this Direct/ECS Debit Mandate Form to get it verified & executed, if necessary.The verification charges, if any, may be debited to my/our account.

Bank Account Number

IFS Code

(Optional)

Sole / First Investor/AccountHolder's Name

INVESTOR AND SIP DETAILS

FirstAccount Holder’s

Signature(As in Bank Records)

SecondAccount Holder’s


ThirdAccount Holder’s


Signature of Authorised Official from Bank with Stamp and Date

Account Holder'sSignature

(As in Bank Records)

SecondAccount Holder's


ThirdAccount Holder's


I / We hereby, authorise UTI Mutual Fund and their authorised service providers, to debit my/our following bank account by Direct Debit/ECS Debit forcollection of SIP Payments.

Scheme/Plan

Each SIP Amount (Rs.)

SIP Date :

SIP Period :

Application No. / ExistingFolio No.

Frequency : Monthly Quarterly

Start from Mth Year End on Mth Year

1st 7th 25th

� �

Post Dated SIP Cheque Amount

Account No. No. of Cheques

Cheque Nos. From To

Drawn on Branch

SYSTEMATIC INVESTMENT PLANMandated Form for SIP through Post dated Cheques

(Please read instructions)

Agent's Name and ARN

UTI Mutual Fund, Mumbai 51.

I / We hereby apply for making payment to SIP through Post dated Cheques for the following Scheme/Plan.

Scheme/Plan

Initial Investment Amount

Each SIP Amount (Rs.)

SIP Date :

SIP Period :

Sole / First Investor / AccountHolder's Name

INVESTOR AND SIP DETAILS

Application No. / ExistingFolio No.

1st 7th 25th

Start from Mth Year End on Mth Year

Frequency : Monthly Quarterly

Signature :

First Investor Second Investor Third Investor

Date :

PIN Code

SIP INSTRUCTIONSGeneral Instruction

1. SIP is offered with following Periodicity.a. Monthly Systematic Investment Plan (MSIP) andb. Quarterly Systematic Investment Plan (QSIP).

2. Both the options (MSIP and QSIP) can not be mingled. A separate Enrolment Form needs to be filled in for MSIP and QSIP.

3. Please submit SIP Mandate Form atleast 1 month before the first SIP installment date. Such of the Forms that are received within the period of 1 month before the firstSIP installment date, will be considered from the SIP date of the following month/Quarter, as per the date (1st/7th/25th) opted by the Investor.

4. The minimum amount of each investment for SIP is Rs.500/- (for monthly option) and Rs.1,500/- (for quarterly option) for all the schemes. However, investorsdesiring to start SIP in a Dividend Plan of any of the debt schemes are required to have a minimum investment of Rs.5,000/- to start the SIP. Each SIP cheque canbe of minimum Rs.500/- or more in multiples of Rs.1/-

5. There is no stipulated period up to which a SIP account can be under operation, however if no period is specified, the default period is 5 years.

6. Units Allotment: Units will be allotted at NAV based sale price declared on the applicable dates i.e. 1st or 7th or 25th of the month. In case the date falls on a non-business day or falls during a book closure period, the immediate next business day will be taken into account for the purpose of determining the price. Theapplications will be accepted at or official points of contact of UTI AMC. Outstation cheques will not be accepted.

7. Account statement: An account statement will be dispatched to the unitholder normally within 3 business days from the date of first transaction / cheque realizationand thereafter on each transaction.

8. Existing Investor can start the SIP within the existing folio. New Investor should attach the SIP Enrolment Form with the Scheme Application Form. All details aboutthe Investor will be as per the existing folio or as provided by the Investor in the Scheme Application Form.

9. Investors can choose to discontinue this facility by giving 1 month written notice to the Scheme’s registrar.

10. Investor will not hold UTI Mutual Fund or its service providers responsible if the transaction is delayed or not effected or the investors bank account is debited inadvance or after the specific SIP date due to various clearing cycles of ECS / local holidays.

11. Investor will not hold UTI Mutual Fund or its service providers responsible for non-allotment of units for SIP if the payment is not received from the unit holder’s bankfor various reasons.

12. UTI Mutual Fund or its other service providers shall not be responsible and liable for any damages/compensation for any loss, damage, etc. incurred by the investor.The investor assumes the entire risk of using this facility and takes full responsibility.

13. UTI Mutual Fund reserves the right to reject SIP or auto debit mandate without assigning any reasons thereof.

14. SIP Load Structure : Entry and Exit load is as applicable under the schemes.

SIP by Cheque/s1. The disbursal of SIP cheques could be as under :

2. All SIP Cheques must be dated 1st, 7th or 25th of the month. All SIP cheques (Initial as well as subsequent) under MSIP & QSIP should be of uniform amount. Forexample: If an investor enrolls under MSIP say under UTI Bond Fund with Rs. 2000/- p.m. for the period May 2007 to April 2008, the first cheque can be drawnon any date of May 2007. The remaining cheques should be of uniform date (1st / 7th / 25th) and of uniform amount i.e. Rs. 2000/-. Similarly for quarterly optionthe first cheque could be of any date of May 2007 and subsequent cheques should be of uniform date and amount.

3. Investors are required to send all post dated cheques in respect of SIP at one go and not in a staggered manner.

4. Please draw your cheques in the name of the Scheme in which the amount is invested.

5. Returned Cheques, if any, may not be presented again.

SIP by Auto Debit

The Auto Debit Facility is available as under:

Direct Debit : The Direct Debit Facility is available only with the banks with which UTI AMC or its service provider has tied up for Direct Debit. (At Present with UTI Bank Ltd.,ICICI Bank, Indus Ind Bank Ltd., IDBI Bank, Kotak Mahindra Bank and select branches of Bank of India and Punjab National Bank)

ECS Debit : Currently SIP payment through Electronic Clearing Service (Debit Clearing) of the Reserve Bank of India (RBI) is offered only to the investors havingbank account in select cities mentioned below:

Agra, Ahmedabad, Allahabad, Amritsar, Aurangabad, Bangalore, Baroda, Bhopal, Bhubaneshwar, Chandigarh, Chennai, Coimbatore, Delhi, Erode,Goa, Guwahati, Gwalior, Hubli, Hyderabad, Indore, Jabalpur, Jaipur, Jalandhar, Jamshedpur, Jodhpur, Kanpur, Kochi, Kolhapur, Kolkata, Kozhikode

(Calicut), Lucknow, Ludhiana, Madurai, Mangalore, Mumbai, Mysore, Nagpur, Nashik, Patna, Pondicherry, Pune, Raipur, Rajkot, Ranchi, Salem,Surat, Thrissur, Trichy, Trivandrum, Udaipur , Varanasi, Vijaywada, & Vizag.

(a) The cities in the list may be modified/updated/changed/removed at any time in future entirely at the discretion of UTI Mutual Fund without assigning anyreasons or prior notice. If any city is removed, SIP instructions for investors in such cities via ECS (debit) route will be discontinued without prior notice.

(b) The Investor’s bank branch should participate in Electronic Clearing Service (Debit Clearing) of RBI.(c) It is mandatory to submit the copy of cancelled cheque leaf (issued by the bank branch mentioned overleaf) along with the Auto Debit (ECS Debit) Form.

(d) The investor’s bank particulars in the scheme and the bank particulars for Auto Debit should be one and the same.

ACKNOWLEDGEMENT SLIP(To be filled in by the Unit holder/Investor)

UTI Mutual Fund, Corporate office, UTI Tower, Bandra-Kurla Complex, Bandra (East), Mumbai - 400 051.

Received from Mr./Ms./Mrs.

‘SIP’ Application forScheme/Plan/Option

Folio No./Investor Id/Application No.

Date

Note : All purchases are subject to realisation of Cheques.

Payment Mechanism(Please tick any one box)

Cheque

Auto Debit

Stamp of UTI AMC Offices alongwith receiving Officials’ Signature

� �

Note : If an unit holder desires to submit 12 cheques under the monthly option, the same will be accepted.

New investor

Existing unit holder

Monthly Option

1 Cheque of initial investment + 5 Cheques (Min)

6 Cheques (Min)

Quarterly Option

1 Cheque of initial investment + 3 Cheques

4 Cheques

CORPORATE OFFICEUTI Tower, ‘Gn’ Block, Bandra Kurla Complex, Bandra (E), Mumbai – 400051. Tel. : 66786666

OFFICIAL POINTS OF ACCEPTANCEUTI FINANCIAL CENTRES

WESTERN REGIONMumbai: (1) Lotus Court Building, 196, Jamshedji Tata Road, Backbay Reclamation, Mumbai-400020, Tel: (022) 22821357 (2) UTI Tower, ‘Gn’ Block, Ground Floor, Bandra-Kurla Complex, Bandra (E), Mumbai-400051, Tel:(022) 66786354 / 6101 (3) Unit No.2, Block ‘B’, Opp. JVPD Shopping Centre, Gul Mohar Cross Road No.9, Andheri (W), Mumbai-400049, Tel: (022) 26201995 / 26239841 (4) Shraddha Shopping Arcade, 1st Floor, S.V.Road, Borivali (West), Mumbai-400092, Tel: (022) 28980521 / 5081, (5) Shop No.1-4, Ground Floor, Sai Plaza, Junction of Jawahar Road and R. B. Mehta Road, Near Ghatkopar Rly Station, Ghatkopar (East), Mumbai -400 077, Tel : (022) 2516 7833 / 7812 / 7952, (6) A-1, Ground Floor, Delphi Orchard Avenue, Hiranandani Business Park, Hiranandani Gardens, Powai, Mumbai – 400 076, Tel: 67536797 / 98, Ahmedabad: 101 A&B, SuperMall, Near Lal Bungalow, CG Road, Ahmedabad-380 006, Tel: (079) 26462180/26462905, Baroda: ‘Meghdhanush’ 4th & 5th Floor, Transpek Circle, Race Course Road, Baroda-390 015, Tel:2336962, Bhopal: 1st Floor,Ganga Jamuna Commercial Complex, Plot No. 202, Maharana Pratap Nagar, Zone-1, Scheme 13, Habeeb Ganj, Bhopal-462 011, Tel: (0755) 2558308 2578408, Indore: UG 3 & 4, Starlit Tower, YN Road, Indore-452 001,Tel:(0731) 2533869/4958, Kalyan: Ground Floor, Jasraj Commercial Complex, Chitroda Nagar, Valli Peer, Station Road, Kalyan (West)-421 301, Tel: (0251)-2316063/7191, Kolhapur: Ayodhya Towers, 2nd Floor, C.S.No.511,KH-1/2, ‘E’Ward, Dabholkar Corner, Station Road, Kolhapur-416 001, Tel: (0231) 2657315, Nagpur: 1st Floor, Shraddha House, S. V. Patel Marg, Kings Way, Nagpur-440 001, Tel: (0712) 2536893, Nasik: Apurva Avenue,Ground Floor, Near Kusumagraj Pratishthan, Tilak Wadi, Nasik-422002, Tel:0253-2570251/252, Panaji: E.D.C. House, Ground Floor, Dr. A.B. Road, Panaji, Goa-403 001, Tel:2222472, Pune: (1) 1099A, First Floor,Maheshwari Vidya Pracharak Mandal Building, Near Hotel Chetak, Model Colony Road, Shivaji Nagar, Pune - 411 016, Tel : 25670419, (2) City Pride, 1st Floor, Plot No.92/C, D III Block, MIDC, Mumbai-Pune Highway,Kalbhor Nagar, Chinchwad, Pune-411 019, Tel:56337240, Raipur: Vanijya Bhavan, Sai Nagar, Jail Road, Raipur-492 009, Tel: (0771) 2881410 / 12, Rajkot: 4th Floor, Lallubhai Centre, Lakhaji Raj Road, Rajkot-360 001,Tel:2235112, Surat: B-107/108, Tirupati Plaza, Near Collector Office, Athwa Gate, Surat-395 001, Tel: (0261) 2474550, Thane: Suraj Arcade, Ground Floor, Next to Deodhar Hospital, Opp. to HDFC Bank, Gokhale Road,Thane (West) - 400 602, Tel: 2533 2409, Vashi: Ground Floor, Indian Institute of Capital Markets (formerly UTI-ICM Building), Plot no.82, Sector 17, Vashi, Navi Mumbai - 400 703. Tel:27893918/2249.

EASTERN REGIONKolkata: (1) Ground Floor, 99 Park View Appt., Rash Bihari Avenue, Kolkata - 700 029, Tel.:24639811. (2) 29, Netaji Subhash Chandra Road, Kolkata-700 001, Tel: 22134838, (3) AD-55, Sector-1, Salt Lake City, Kolkata-700 064, Tel.:23371985. Bhubaneshwar: 1st & 2nd Floor, OCHC Bldg., 24, Janpath, Kharvela Nagar, Nr. Ram Mandir, Bhubaneshwar-751 001, Tel: 0674-2410995, Durgapur: 3rd Administrative Bldg., 2nd Floor, AsansolDurgapur Dev. Authority, City Centre, Durgapur-713216, Tel:2546831, Guwahati: 1st Floor, Hindustan Bldg., M.L. Nehru Marg, Panbazar, Guwahati-781001, Tel:2545870, Jamshedpur: 1-A, Ram Mandir Area, Gr. & 2ndFloor, Bistupur, Jamshedpur-831 001, Tel:0657-2756075, Kharagpur : M/s. Atwal Real Estate Pvt. Ltd., India, O.T. Road, Kharagpur, Paschim Midnapore - 721 305, Tel: 0322-228518 Patna: Gr. & 5th Floor, Jeevan DeepBldg., Exhibition Road, Patna-800 001, Tel:2235001, Ranchi : Shop No. 8 & 9, SPG Mart, Commercial Complex, Old H B Road, Bahu Bazar, Ranchi-834 001, Tel: (0651) 2150 206/07, Siliguri: Ground Floor, Jeevan DeepBldg., Gurunanak Sarani, Sevoke Rd., Silliguri-734 401, Tel: 2535199.

NORTHERN REGIONNew Delhi: (1) Savitri Bhawan, 1st & 2nd Floor, Plot no.3 & 4, Preet Vihar Community Centre, Delhi 110092, Tel: 22529374, 22529379 (2) Gulab Bhawan, 2nd Floor, 6, Bahadur Shah Zafar Marg, New Delhi-110 002,Tel:23739492, 23311108 (3) Jeevan Bharati, 13th Floor, Tower II, Connaught Circus, New Delhi-110 001, Tel:23731401, 23329868 (4) G-5-10 Aggarwal Cyber Plaza, Netaji Subhash Place, Pitam Pura, Delhi – 110 034,Tel:27351001, (5) G-7, Hemkunt Tower (Modi Tower), 98, Nehru Place (Near Paras Cinema), New Delhi-110 019, Tel:28898128, Agra: Ground Floor, ‘C’ Block, Jeevan Prakash, Sanjay Place, Mahatma Gandhi Marg, Agra-282 002, Tel:2858046, Ajmer: Uday Jyoti Complex, First Floor, India Motor Circle, Kutchery Road, Ajmer-305 001, Tel: (0145) 2423948, Allahabad: 4, Sardar Patel Marg, 1st Floor, Civil Lines, Allahabad-211 001,Tel:2561016, 2561028 Amritsar: 69, Court Road, Amritsar-143001, Tel:2564388, Chandigarh: Jeevan Prakash (LIC Bldg.), Sector 17-B, Chandigarh-160 017, Tel:2703683, Dehradun: 56, Rajpur Road, Hotel ClassicInternational, Dehradun-248 001, Tel:2743203, Faridabad: Shop No 6, First Floor, Above UTI Bank, Crown Complex, 1 & 2 Chowk, NIT, Faridabad-121 001, Tel: (0129) 2424771, Ghaziabad: 41, Navyug Market, NearSinghani Gate, Ghaziabad-201 001, Tel:2790366, Jaipur: Anand Bhavan, 3rd Floor, Sansar Chandra Marg, Jaipur-302 001, Tel:2365212, Jodhpur: 1st Floor, Minerva Centre, Station Road, Jodhpur-342 001, Tel:2645229,Kanpur: 16/79-E, Civil Lines, Kanpur-208 001, Tel:2304278, Lucknow: Regency Plaza Building, 5, Park Road, Lucknow-226 001, Tel:2238598, Ludhiana: Ground Floor, S CO 28, Feroze Gandhi Market, Ludhiana-141001, Tel: (0161) 2441264, Shimla: Flat No. 401 & 402, Mukesh Apts., Fingask Estate, Near Hotel Sheel, Shimla-171 003, Tel:2657803, Varanasi: 1st Floor, D-58/2A- 1, Bhawani Market, Rathyatra, Varanasi-221 010, Tel:2226881, Satellite Office Kota: B 3, Vallabh Nagar, Kota - 324 007. Tel: 9829231268.

SOUTHERN REGIONChennai: (1) UTI-House, 29, Rajaji Salai, Chennai-600 001, Tel: 25243059, (2) W 123, III Avenue, Annanagar, Chennai – 600 040, Tel:55720030, (3) 1st Floor, 29, North Usman Road, T Nagar, Chennai-600 017,Tel:55720011/12, Bangalore: (1) B - 14 & B - 15, Gr Floor, Devatha Plaza, 132 Residency Road, Bangalore - 560 025.Tel. No.:(080) 2558 5382/2559 5089, (2) No.60, Maruthi Plaza, 8th Main, 18th Cross Junction,Malleswaram West, Bangalore-560 055, Tel. : 080-23340672, (3) 427 / 14-1, Harmony, 9th Main Road, Near 40th Cross, 5th Block, Jayanagar, Bangalore - 560 041 Tel: (080) 22440837, 64516489, Cochin: Muthoot Tower,1st Floor, MG Road, Opp. Abad Plaza Hotel, Ernakulam, Cochin-682 035, Tel:(0484) 2380259/2368743, Coimbatore: U R House, 1st Floor, 1056-C, Avinashi Road, Opp. Nilgiris Dept. Stores, Coimbatore-641 018,Tel:2214973, Cuddapah: No. 2/790, Sai Ram Towers, Nagarajpeta, Cuddapah-516 001, Tel: (08562) 222121/131, Hubli: 1st Floor, Kalburgi Square, Desai Cross, T B Road, Hubli - 580 029,Dist Dharwad,Karnataka State,Tel: 0836 - 2363963/64 , Hyderabad: (1) Lala II Oasis Plaza, 1st floor, 4-1-898 Tilak Road, Abids, Hyderabad-500 001. Tel: 24750281 / 24750381/382, (2) 6-3-679, First Floor, Elite Plaza, Opp. Tanishq, Green Land Road,Punjagutta, Hyderabad-500 082, Tel:040-23417246, (3) 10-2-99/1, Ground Floor, Sterling Grand CVK, Road No. 3, West Marredpally, Secunderabad-500 026, Tel:27711524, Madurai: Tamil Nadu Sarvodaya Sangh Bldg.,108, T. P. K. Road, Madurai-625001, Tel:2333317, Mangalore: 1st Floor, Essel Tower, Bunts Hostel Circle, Mangalore-575 003, Tel:2426290, Thiruvananthapuram: T C 15/49(2), 1st Floor, Saran Chambers, Vellayambalam,Thriuvananthapuram-695 010, Tel: (0471) 2723674, Trichur: Kollannur Devassy Building, 1st Floor, 26/ 621 - 622 Town Hall Road, Thrissur - 680 020, Tel. No.:(0487) 2331 259/495. , Vijaywada: 29-37-123, 1st Floor, Dr.Sridhar Complex,Vijaya Talkies Junction, Eluru Road, Vijaywada-520 002, Tel:(0866) 2444819, Trichy: Kingston Park No. 19/1, Puthur High Road, (Opp. Aruna Theatre), Puthur, Tiruchirapalli-620 017, Tel. : 0431-2770691,Vishakhapatnam: 202, 1st Floor, Door No.9-1-224/4/4, Above Lakshmi Hyundai Car Showroom, C.B.M. Compound, Near Ramatalkies Junction, Visakhapatnam - 530 003, Tel : 2550 275.

UTI NRI CELLUTI Tower, ‘Gn’ Block, Bandra-Kurla Complex, Bandra (E), Mumbai-400 051, Tel:66786064 • Fax 26528175 • E-mail: [email protected]

OFFICE OF THE REGISTRARUTI Technology Services Ltd. : Plot No.3, Sector 11, CBD Belapur, Navi Mumbai - 400 614, Tel.: 67931010

Karvy Computershare Private Ltd. : 21, Avenue 4, Street No. 1, Banjara Hills, Hyderabad - 500 034, Tel.: 040-23312454/23320751DUBAI REPRESENTATIVE OFFICE

Post Box No. 29288, 17, Al Maskan, Karama, Dubai, U.A.E. Tel: 0097-1-4- 3356656 • Fax: 3356636.BAHRAIN REPRESENTATIVE OFFICE

16, Ground Floor, Manama Centre, Post Box 1395, Manama, Bahrain Tel: 00973-17-212410 • Fax: 212415.CHIEF REPRESENTATIVE COLLECTION CENTRES (CRCC)

Jalandhar: 158, New Jawahar Nagar, Jalandhar City – 144 001, Tel.: 0181-2225441 Valsad: Madanwad, Kamla Nehru Road, Valsad – 396 001, Tel.: 02632-253933/807 Jabalpur: 1st Floor, Chandrika Tower, Shastri BridgeRoad, Napier Town, Jabalpur, M.P. – 482 001, Tel.: 0761-5004816 Pondicherry: 52, Canteen Street, 2nd Floor, Pondicherry – 605 001, Tel.: 0413-2225772, Cuttack: Sailashree, Raja Bagicha Labour Colony, Cuttack, Orissa– 753 009, Tel.: 0671-2625115, Jalgaon: G-13, 2nd Floor, V. V. Municipal Market, Golani Market, Jalgaon, Maharashtra – 425 001, Tel.: 0257-2234419, Jammu: 320 A Gandhi Nagar, Jammu – 180 004, Tel.: 0191-2432596,Roorkee: 33, Civil Lines, Behind Sarthak Nursing Home, Roorkee (UP), Haridwar – 247 667, Tel.: 0133-2275070, Bhilai: Shop No.187, Zonal Market, Sector – 10, Bhilai, Durg – 490 006, Tel.: 0788-2261399/499,Karimnagar: D. No. 3-5-332, Gandhi Road, Beside ING Vyasya Bank, Karimnagar, AP – 505 001, Tel.: 0878-2234051, Davangere: No.263/9, Davangere Club Complex, Pravasi Mandir Road, Near Jayadev Circle,Davangere, Karnataka – 577 002, Tel.: 08192-256288, Jalpaiguri: Kohinoor Bldg. (New), D.B.C. Road, Jalpaiguri – 735 101, Tel.: 03561-231402, Krishnanagar: Udayan, 20, M. M. Ghosh Road (Near Sadar Hospital, TrafficMour), P. O. Krishnanagar, Dist. Nadia – 741 101, Tel: 953472-253169, Agartala: C/o. Shri Rakhal Chandra Saha, Chandra Saha Jagaharimura, P.O. Agartala College, Agartala - 799 004, Tel: 0381-2302427, Dhanbad:305, Shree Ram Plaza, Bank More, P.O. and Dist.: Dhanbad - 826 001, Tel:0326-2304024, Kaira / Kheda / Anand: Subhash Corner, PIJ Bhagol, Station Road, Off. Ghodia Bazar, Nadiad, Kheda - 387 001, Tel: 0268-2565557, Moradabad:C-20, Ram Ganga Vihar, Phase-II, Near Trade Tax Office, Moradabad - 244 001, Tel: 0591-2451434.

HCL COLLECTION CENTREAhmednagar: No.10, Ground Floor, Kalpana Palace, Ganeshwadi, Ahmednagar-414001, Mobile No.: 9850007454, Anantapur: Dr No. 15-322, 2nd Floor, Nitin Complex, Vinayaka Chowk, Sapthagiri Circle, Anantapur A.P.,Mobile No.: 8554241311, 9908083880, Asansol: H No. 87, Apcar Garden, P O Asansol South, Dist Burdwan, West Bengal-713304, Mobile No.: 9333111657, Aurangabad: Plot No. 23, Raman Tara Building, ShantiniketanSociety, Near Shani Mandir, Aurangabad - 431001, Tel: 0240-6451725, Balasore: Plot No. 9, O T Road, Balasore-756001, Mobile No.: 9937708486, Bareilly: 1166 Janakpuri, Opp Prabhat Nagar Gate, Pilibhit Road, Bareilly, U.P.-243122, Tel: 0581-2303184, Belgaum: Shop # 1, (Bs1) Guruprasad Apartment, Plot No.302, Near SBI Bank, Shivabasvanagar, Belgaum-590010, Tel: 0831-6451376, Bhagalpur: Tilkamanjhi, Barari Road, Bhagalpur, Bihar-812001, Mobile No.: 9835406614, Bhavnagar: Shop No. 115, Madhav Hill, Waghawadi Road, Bhavnagar, Gujarat-364002, Mobile No.: 9327049263, Bhilwara: G-16 Shree Cloth Market, Pur Road, Bhilwara, Rajasthan-311001,Mobile No.: 9828763968, Bikaner: Ground Floor, Bapuji Plaza, Bikaner, Rajasthan, Mobile No.: 9982033974, Bokaro: HCL Infosystems Ltd., H No. 04, First Floor, Cooperative Society, Bokaro Steel City, Bokaro, Jharkhand-827002, Mobile No.: 9431738280, Burdwan: Kali Bazar, Near Mousumi Club, PO& Dist Burdwan, West Bengal-713101, Mobile No.: 9434661520, Dindigul: 91/32, Sona Tower, Ground Floor, New Agraharam, Palani Road,Dindigul-624001, Mobile No.:9894539245, Erode: No.45/4 1st Floor, Near SBI ATM, Perundarai Road, Erode-638011, Gandhinagar: G-8 Ist Floor, Sky View Complex, Sector 22, Gandhinagar, Gujarat-382022, Tel: 079-23247187, Goa: F-8 First Floor, Casa Dos Aliados, Behind Gomant Vidya Niketan, Abade Faria Road, Margao, Goa-403601, Mobile No.: 9923497564, Gorakhpur: 10 Vind Vasini Nagar, Near Star Hospital, Gorakhpur, U.P.-273001, Tel: 055-6452102, Gulbarga: Shop No. G15, Yathrik Niwas Complex, New Jewargi Road, Gulbarga-585102, Karnataka, Mobile No.: 9980080115, Guntur: Dr No. 9-13/9, 2nd Floor, Naaz Building, Naaz Circle, Guntur-522001, Mobile No.: 8632324006, 9989008499, Jamnagar: 104 Madhav Complex, Opp. D K V College, P N Marg, Jamnagar-361008, Tel: 0288-2751002, Jhansi: UTI Collection Centre, Room No. 106, 1st Floor, Malti Bung, Opp.48 Chambers, Near SBI Main Branch, Opp UTI MF Office, Civil Lines, Jhansi, Tel: 0510-3202014, Junagadh: Shop No.F2, Marrigold Complex, 1st Floor Opp. Rayaji Raug, Near Motibaug Circle Junagadh-362001, Tel: 02852674238, Mobile No.: 9426481646, Kannur: TPS(4) 580, O Pearl Building, Near Makkani South Bazar, Kannur-2, Mobile No.: 9847928690, Kottayam: Hobnob Building, 1st floor, Muttambalam P.O., Kanjikuzhi, Kottayam-686 004,Kerala State, Mobile No.: 9447095220, Malout: Near Azad Auto Store, G T Road, Malout-152107, Mobile No.: 9417669417, Mehsana: Meghraj Complex, 1st Floor F/2, Near ONGC Colony, Palavasana Chokdi Mehsana-384003,Mobile No.: 9376226246, Muzaffarpur: 1st Floor PNB Building, Near MDDM College, Muzaffarpur, Bihar-842001, Mobile No.: 9234426310, Mysore: 2799/1-A, 8th Cross, Adipampa Road, V V Mohalla, Mysore, A.P.- 570002,Mobile No.: 8214255520, Nagarkoil: David Building Upstairs, College Road, Near W.C.C. Nagarkoil-629001, Tel: 04652-403670, Nellore: Door No. 24-2/405, Santhi Apartment, Near KVR Petrol Pump, Dargamitta, Nellore-524003, Tel: 0861-2312922, Ongole: 37-1-404 (7) 1st Floor, Beside UTI Bank, Trunk Road, Bagya Nagar, Ongole-523001, Tel: 08592-223488, Pathanamthitta: Room No. 2, 1st Floor, Thengintharayi Building, College Junction,Pathanamthitta-689645, Mobile No.: 9846128369, Pondicherry: 52 Chetti Street, Pondicherry-605 001, Tel: 0413-2220588, Porbandar: Shop # 26, 2nd Floor, Indraprashtha Hotel, Opp. Kuber Hotel, Porbandar, Gujarat-360575,Mobile No.: 9426476220, Ratnagiri: HCL Infosystems Ltd, 693/D Omkar Building, Parkobal, Shivaji Nagar, Ratnagiri-415612, Tel: 02352-227830, Rewari : First Floor, Shop No.17, Maharana Pratap Chowk, Bawal Road, Rewari,Harayana-123401, Mobile No.: 9416816146, Salem: Jalal Complex, Shop No. 40F/267, Advitha Ashram Road, A V K Nagar, Salem-636004, Tel: 0427-4041030, Sangli: Gurukupa Sahniwas, Gala No. B-2, Sambhare Road, OppVelankar Ayurvedic Aushadalaya, Gaon Bhag, Near Maruti Chowk, Sangli-416416, Tel: 0233-2332560, Satara: Shivpratap Apartment 313/7, Plot No. 11, Gala No.10, New Radhika Road, Opp Vimal City, Satara-415002, MobileNo.: 9326853640, Satna: 1st Floor, A-3 Satna Plaza Building, Rewa Road, Satna, Mobile No.: 9993550933, Silchar: C/o Mr. Das, Ist Floor, Hospital Road, After Ambicagiri Point, Silchar- 01, Mobile No.:9854176385, Solapur:Office No. 5, Veetrag Vertes, 83 A Railway Line, Near UTI Bank, Solapur-413001, Mobile No.: 9860699642, Surendranagar: Shop # 2, Ajmera Chamber’s, S T Stand Road, Jin Compound, Surendranagar-363002, Tel: 02752-230448, Tirunelveli: No.68 / 2 Veilu Pillai Complex, Upstairs, Swami Sannathi Street, Tirunelveli Town, Tirunelvei-627 006, Tuticorin: No.18N / 3 City Plaza Complex, Palai Road, Near Ramiah Lodge, Tuticorin-628 002.

ALL UTI BANK ATMS ARE OFFICIAL POINTS OF ACCEPTANCE. THE TERMS AND CONDITIONS OF UTIBANK@ATM FACILITY ARE GIVEN IN THE OFFER DOCUMENT (Not available in UTI-MMF, UTI-LiquidFund Cash Plan, UTI-CRTS and UTI-Floating Rate Fund )

ONLINE PUCHASE IS AN OFFICIAL POINT OF ACCEPTANCE (not available in UTI-MMF, UTI-Liquid Fund Cash Pan and UTI-Floating Rate Fund)

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