Payment Modes and their efficiency Lump Sum Transactions - Non Liquid Schemes

Sr. Day of Debit to Day of Unit Payment Mode Bank Name Cut off Time No. Investor's account Allotment 1 UPI / IMPS All Banks 2.45 PM T T 2 Net Banking* HDFC Bank 2.45 PM T T ICICI Bank 2.45 PM T T Axis Bank 2.45 PM T T Kotak Bank 2.45 PM T T Yes Bank 2.45 PM T T All Other Banks* 3.00 PM T T +1 3 RTGS# All Banks 2.30 PM T T 4 NEFT# All Banks 1.00 PM T T 5 NACH Mandate# All Banks 3.00 PM T + 1 T + 2 6 Cheque Mode# All Banks 3.00 PM T + 2 T + 3 Our payment service providers are:

1. BillDesk - Net-Banking, iSIP, Nach Mandate – Physical / e-Nach *Scroll down for list of banks available for net-baking through BillDesk #For Offline Investment https://www.billdesk.com/index.htm 2. HDFC - UPI services To check Uptime for UPI visit: https://www.npci.org.in/what-we-do/upi/uptime-upi-month-wise Find out list of bank available for UPI transactions. Visit https://www.npci.org.in/what-we-do/nach/live-members

SIP Transactions

Day of Debit to Day of Unit Sr. No. Payment Mode Bank Name Investor's account Allotment 1 NACH (Physical / E-NACH) * All T T+1/T+2 2 Auto Debit All T T + 1 T = SIP date

Disclaimer: * MF / NPCI will endevaour to ensure credit is posted to MF account on the same day of debit to investor's account. In certain circumstances, due to delay at Bank's / Payment Aggregator's end, the credit to MF account may and the allotment could get delayed to T+1.

Important Note: Unit allotment will be subject to receipt of funds in the mutual fund account before the applicable cut-off time (Currently, 3:00 PM for all Schemes except Liquid & Overnight Fund where the cut off time is 1.30 PM). List of Banks available for Net Banking through BillDesk

Internet SIP (ISIP) Sr. Lump Sum (Net- E-NACH / Bank Name Mobile No Banking) Net Banking E-Mandate Banking Banks available for Direct Credit 1 HDFC Bank     2 ICICI Bank     3 Axis Bank     4 Kotak Bank     5 Yes Bank     *All Other Banks 7 Andhra Pragathi Grameena Bank     8 Bandhan Bank     9 Bank of Bahrain and Kuwait     10 Bank of Baroda- Retail     11 Bank Of India     12 BANK OF MAHARASHTRA     13 CANARA BANK     14 Catholic Syrian Bank    

Registered Office : Write to us: [email protected] Construction House, 4th Floor, 5, Walchand Hirachand Marg, Mumbai - 400 001 Call us: 1800-209-2726

15 CENTRAL BANK OF INDIA     16 CITI BANK     17 CITY UNION BANK LTD     18 Cosmos Co-operative Bank Ltd.     19 DBSB BANK INDIA LTD     20 DCB (Development Credit Bank Ltd)     21 Dena Bank     22 DEUTSCHE BANK AG     23 Development Bank of Singapore (DBS)     24 Dhanlaxmi Bank     25 EQUITAS SMALL FINANCE BANK LTD     26 FEDERAL BANK     27 Fincare Small Finance Bank Ltd     28 FIRSTRAND BANK     29 HSBC     30 IDBI BANK     31 IDFC FIRST BANK LTD     32 Indian bank     33 INDIAN OVERSEAS BANK     34 INDUSIND BANK     35 JANA SMALL FINANCE BANK LTD     36 Jammu & Kashmir Bank LTD     37 Janata Sahakari Bank     38 Kalupur Co-operative Bank     39 Kalyan Janata Sahakari Bank     40 KARNATAKA BANK LTD     41 Karur Vysya Bank LTD     42 Lakshmi Vilas Bank - Retail     43 Mehsana Urban Co-operative Bank     44 NKGSB Bank     45 ORIENTAL BANK OF COMMERCE     46 PAYTM PAYMENTS BANK LTD     47 Pragathi Krishna Bank (Karnataka Gramin Bank)     48 Punjab & Maharashtra Co-operative Bank     49 Punjab and Sind Bank     50 PUNJAB NATIONAL BANK     51 RBL BANK (Ratnakar Bank)     52 Saraswat Bank     53 Shamrao Vithal Co.Operative Bank Ltd     54 Shivalik Bank     55 South Indian Bank Ltd     56 STANDARD CHARTERED BANK     57 State Bank of India     58 Tamil Nadu State Apex Co-operative bank LTD     59 TAMILNAD MERCANTILE BANK LTD     60 TJSB Sahakari Bank Ltd     61 UCO Bank     62 UJJIVAN SMALL FINANCE BANK LTD     63 Union Bank of India     64 United Bank of India     65 Utkarsh Small Finance Bank    

Registered Office : Write to us: [email protected] Construction House, 4th Floor, 5, Walchand Hirachand Marg, Mumbai - 400 001 Call us: 1800-209-2726