Debt Products

Scheme A1: November 30, 2007
Scheme A2: November 30, 2007
Scheme A3: November 30, 2007
Scheme B1: November 30, 2007
Scheme B2: November 30, 2007
Scheme B3: November 30, 2007
Scheme C1: November 30, 2007
Scheme C2: November 30, 2007
Scheme C3: November 30, 2007

** At the time of investment
If permitted by SEBI under extant regulations / guidelines, not more than 25% of the net assets of the scheme shall be deployed in securities lending. The Scheme would limit its exposure, with regards to securities lending. for a single intermediary, to the extent of 5% of the total net assets of the scheme at the time of lending. * Debt instruments shall be deemed to include securitized debts (excluding foreign securitized debt) and investment in securitized debts shall not exceed 50% of the net assets of the Scheme. The scheme will not invest in foreign debt securities. No Investments will be made in foreign securitized debt. The scheme will have a maximum derivatives net position of 50% of the net assets. Investment in derivative instruments may be done for hedging and Portfolio balancing. Pending deployment of funds of a scheme in securities in terms of investment objectives of the scheme a mutual fund can invest the funds of the scheme in short term deposits of scheduled commercial banks, subject to such guidelines as may be specified by the board.

Entry Load : Nil
Exit Loads (For investments made during NFO):
Scheme A1: If redeemed during last two business days of any month - Nil, If redeemed on any other business day - 0.25%.
Scheme A2: If redeemed during first two business days of any month - Nil If redeemed on any other business day - 0.25%.
Scheme A3: If redeemed on 11th or 12th business day of any month - Nil If redeemed on any other business day - 0.25%.
Scheme B1: If redeemed during last two business days of April, July, October or January month - Nil If redeemed on any other business day - 0.50%
Scheme B2: If redeemed during last two business days of May, August, November or February month - Nil If redeemed on any other business day - 0.50%
Scheme B3: If redeemed during last two business days of June, September, December or March month - Nil If redeemed on any other business day - 0.50%
Scheme C1: If redeemed during 15th or 16th business day of September month or March month - Nil If redeemed on any other business day - 0.75%
Scheme C2: If redeemed during 15th or 16th business day of October month or April month - Nil If redeemed on any other business day - 0.75%
Scheme C3: If redeemed during 15th or 16th business day of November month or May month - Nil If redeemed on any other business day - 0.75%

Entry Loads (During ongoing Subscription):
Scheme A1: If subscribed during last two business days of any month – Nil If subscribed on any other business day - 0.25%
Scheme A2: If subscribed during first two business days of any month – Nil If subscribed on any other business day - 0.25%
Scheme A3: If subscribed on 11th or 12th business day of any month – Nil If subscribed on any other business day - 0.25%
Scheme B1: During last two business days of April, July, October or January month – Nil If subscribed on any other business day - 0.50%
Scheme B2: During last two business days of May, August, November or February month – Nil If subscribed on any other business day - 0.50%
Scheme B3: During last two business days of June, September, December or March month – Nil If subscribed on any other business day - 0.50%
Scheme C1: During 15th or 16th business day of September month or March month – Nil If subscribed on any other business day - 0.75%
Scheme C2: During 15th or 16th business day of October month or April month – Nil If subscribed on any other business day - 0.75%
Scheme C3: During 15th or 16th business day of November month or May month – Nil If subscribed on any other business day - 0.75%

Exit Loads (During ongoing Subscription):
Scheme A1: If redeemed during last two business days of any month – Nil If redeemed on any other business day - 0.25%
Scheme A2: If redeemed during first two business days of any month – Nil If redeemed on any other business day - 0.25%
Scheme A3: If redeemed on 11th or 12th business day of any month – Nil If redeemed on any other business day - 0.25%
Scheme B1: If redeemed during last two business days of April, July, October or January month – Nil If redeemed on any other business day - 0.50%
Scheme B2: If redeemed during last two business days of May, August, November or February month – Nil If redeemed on any other business day - 0.50%
Scheme B3: If redeemed during last two business days of June, September, December or March month – Nil If redeemed on any other business day - 0.50%
Scheme C1: If redeemed during 15th or 16th business day of September month or March month – Nil If redeemed on any other business day - 0.75%
Scheme C2: If redeemed during 15th or 16th business day of October month or April month – Nil If redeemed on any other business day - 0.75%
Scheme C3: If redeemed during 15th or 16th business day of November month or May month – Nil If redeemed on any other business day - 0.75%

Regular Plan: Rs.10, 000/- and in multiples of Re.1/- thereafter,
Institutional Plan: Rs.1, 00, 00,000/- and in multiples of Re.1/- thereafter.