Reliance Capital Asset Management Limited A Reliance Capital Company Key Information Memorandum cum Common Application Form Debt, Liquid & Interval Schemes Continuous offer of Open-Ended Debt, Liquid & Interval Schemes at NAV based prices. Reliance Reliance Reliance Money Manager Fund Medium Term Fund Liquidity Fund An open-ended Income Scheme An open-ended Income Scheme with no assured returns An open-ended Liquid Scheme Reliance Liquid Fund Reliance Liquid Fund Reliance Floating Rate Fund - - Treasury Plan - Cash Plan Short Term Plan An open-ended Liquid scheme An open-ended Liquid scheme An open-ended Income Scheme Reliance Regular Reliance RRelianceeliance Savings Fund CorporateIncome Fund Bond Fund Short Term Fund -Debt Option A open-ended Income Scheme A open-ended Income Scheme An open-ended scheme A Open-ended Income Scheme Reliance Monthly Reliance Reliance Gilt Reliance Reliance SecuritiesReliance Fund Income Plan Dynamic Bond Fund Dynamic Bond Fund AnGil open-endedt Securities Fund. MonthlyFund Income Fund An open-ended Government An open-ended Government A open-ended Income Scheme Income is not assured & is subject to Securities Scheme A open-ended Income Scheme SecuritiesA open-ended Scheme Income Scheme the availability of distributable surplus Reliance Reliance Reliance Reliance Monthly Income Plan Interval Fund Banking & PSU Debt Fund AnInterval open-ended Fund Fund. Monthly IncomeA debt isoriented not assured Interval & is Scheme subject to A debt oriented Interval Scheme An open ended Income scheme the availability of distributable surplus SPONSOR INVESTMENT MANAGER REGISTERED OFFICE Corporate Office Corporate Office Reliance Capital Asset Management H Block, 1st Floor, Dhirubhai Ambani Knowledge City, Reliance Capital Asset Management Limited/Reliance Capital Trustee Co. Koparkhairne, Navi Mumbai - 400 710. Limited Limited Tel : 022 - 30327000, Fax. 022 - 30327202 CIN : U65910MH1995PLC220793 ‘H’ Block,1st Floor, 12th floor, One Indiabulls Centre, Dhirubhai Ambani Knowledge City, TRUSTEE Tower 1, Jupiter Mills Compound, Koparkhairne, 841, Senapati Bapat Marg, Elphinstone Corporate Office Navi Mumbai - 400 710 Road, Reliance Capital Trustee Co. Limited Maharashtra. CIN : U65910MH1995PLC220528 Mumbai - 400 013. 12th floor, One Indiabulls Centre, Tower 1, Jupiter Mills Tel No. - 022-30994600 Fax No. - 022- Compound, 841, Senapati Bapat Marg, Elphinstone 30994699 CUSTODIAN Road, Mumbai - 400 013. Deutsche Bank A.G. Tel No. - 022-30994600, Fax No. - 022-30994699 REGISTRAR Deutsche Bank House, Hazarimal Somani Karvy Computershare Pvt. Ltd. Marg Fort, Mumbai 400 001, INDIA E-mail : [email protected] Karvy Selenium Tower B, Plot number 31 & ‘Touchbase’ [Customer Helpline] 3030 1111 32, Financial District, Nanakramguda, Ser- AUDITORS TO THE SCHEMES Investors using mobile phones need to prefix STD Code ilingampally Mandal, Hyderabad - 500032, Haribhakti & Co. LLP of their respective city before 3030 1111. India Chartered Accountants 705, Leela Business Park, Andheri Kurla MTNL/BSNL subscribers need to dial 022 - 3030 1111. Road,Andheri (E), Overseas callers need to dial 91 - 22 - 3030 1111. Mumbai – 400 059, INDIA. Website: www.reliancemutual.com This Key Information Memorandum (KIM) sets forth the information, which a prospective investor ought to know before investing. For further details of the Scheme/Mutual Fund, due diligence certificate by the AMC, Key Personnel, investors’ rights & services, risk factors, penalties & pending litigations, etc., investors should, before investment, refer to the respective Scheme Information Document and Statement of Additional Information available free of cost at any of the Investor Service Centres or distributors or from the website www.reliancemutual.com. The Scheme particulars have been prepared in accordance with Securities and Exchange Board of India (Mutual Funds) Regulations 1996, as amended till date, and filed with Securities and Exchange Board of India (SEBI). The units being offered for public subscription have not been approved or disapproved by SEBI, nor has SEBI certified the accuracy or adequacy of this KIM. This KIM is dated June 25, 2015. Investors are requested to review product labels for respective schemes which are provided below at the time of Investments. This product is suitable for investors who NAME OF SCHEMES are seeking*: Reliance Liquidity Fund · Income over short term An Open-Ended Liquid Scheme · Investment in debt and money market instruments Reliance Liquid Fund - Treasury · Income over short term Plan · Investment in debt and money market instruments An Open-Ended Liquid Scheme Reliance Liquid Fund - Cash Plan · Income over short term An Open-Ended Liquid Scheme Investors understand that their principal · Investment in debt and money market instruments will be at Low risk Reliance Money Manager Fund · Income over short term An Open-Ended Income Scheme · Investment in debt and money market instruments Reliance Medium Term Fund · Income over short term An Open-Ended Income Scheme With No · Investment in debt and money market instruments with tenure not Assured Returns exceeding 3 years Reliance Floating Rate Fund · Income over short term · Investment predominantly in floating rate and money market - Short Term Plan instruments with tenure exceeding 3 months but upto a maturity An Open-Ended Income Scheme of 3 years and fixed rate debt securities · Income over short term Reliance Short Term Fund · Investment in debt and money market instruments, with the A Open-Ended Income Scheme scheme would have maximum weighted average duration between 0.75-2.75 years · Income over short to medium term Reliance Banking & PSU Debt Fund · Investment in debt and money market instruments of various An Open-Ended Income Scheme maturities, consisting predominantly of securities issued by banks, Investors understand that their principal public sector undertaking and public financial institutions will be at Moderately Low risk · Regular returns & growth of capital over the term of the fund, with Reliance Interval Fund the flexibility to enter/exit at fixed intervals A Debt Oriented Interval Scheme · Investment in fixed income securities, money market and G-Sec instruments Reliance Regular Savings Fund · Income over medium term -Debt Option . Investment predominantly in debt instruments having maturity of An Open-Ended Scheme more than 1 year and money market instruments · Income over medium term · Investment predominantly in corporate bonds of various maturities Reliance Corporate Bond Fund and across ratings that would include all Debt Securities issued An Open-Ended Income Scheme by entities such as banks, public sector undertakings, municipal corporations, bodies corporate, companies etc. Reliance Income Fund · Income over long term A Open-Ended Income Scheme · Investment in debt and money market instruments Reliance Dynamic Bond Fund · Income over long term A Open-Ended Income Scheme · Investment in debt and money market instruments Reliance Gilt Securities Fund · Income over long term An Open-Ended Government Securities · Investment in government securities Investors understand that their principal Scheme will be at Moderate risk Reliance Monthly Income Plan · Regular income and capital growth over long term An Open-Ended Fund. Monthly Income Is · Investment in debt & money market instruments and equities & Not assured & Is subject to the availability equity related securities of Distributable Surplus *Investors should consult their financial advisors if in doubt about whether the product is suitable for them. KEY SCHEME FEATURES NAME OF THE Reliance Liquidity Fund SCHEME TYPE An Open ended Liquid Scheme Investment objective The investment objective of the Scheme is to generate optimal returns consistent with moderate levels of risk and high liquidity. Ac- cordingly, investments shall predominantly be made in Debt and Money Market Instruments. Asset Allocation Pattern Repo and Reverse Repo: 0% - 35%; Money Market Instruments (Mibor linked instruments, CPs, T-Bills, CDs) and/or other Short Term debt instruments (Floating Rate Notes, Short Tenor NCDs, PTCs) and/or Less than 1 year maturity G-Secs: 65-100% Securitised debt may be used upto 40% of the corpus. Differentiation The fund belongs to the family of Liquid Funds. The portfolio would invest in money market instruments like Certificate of Deposits (CD), Commercial Papers (CP) and other short term instruments issued by banks, financial institutions and corporate. The fund man- ager would ideally seek to maintain an exposure of less than 10 % in instruments issued by Non-Banking Financial Companies (NBFC) under normal circumstances. The average maturity of the portfolio would be in the range if 20-45 days. Quarterly AAUM as on Rs. 5,116.16 Crore 31/03/2015 No of Folios as on 31st May, 2015 3541 Risk Mitigation Factors Robust measures implemented to mitigate Risk include, adoption of internal policies on investments and valuations, rigorous proce- dures for monitoring investment restrictions, monitoring of rating transitions, and effective implementation of various norms prescribed by SEBI from time to time. Investment Strategy The fund management team will endeavor to maintain a consistent performance in the scheme by maintaining a balance between safety, liquidity and profitability aspects of various investments. The fund manager will try to achieve an optimal risk return balance for management of the fixed income portfolios. The investments in debt instruments carry various risks like interest rate risk, liquidity