Central Depository Services (India) Ltd. (CDSL), is a depository

promoted by BSE Ltd. and sponsored by a cross section of

leading public and private banks. CDSL’s objective is to provide

Convenient, Dependable and Secure depository services at an affordable

cost to investors. CDSL maintains and services Beneficial Owner (BO)

accounts spread across India. These BOs are serviced by Depository

Participants (DPs), who act as agents of CDSL. CDSL publishes from

time to time an updated list of DPs registered with it on CDSL’s website

www.cdslindia.com.

Securities of various companies have been admitted with CDSL for

dematerialisation. These securities include Equities, Debentures, Bonds, Units

of Mutual Funds, Certificate of Deposits, Commercial Paper, Government

Securities and Treasury Bills.

BENEFITS OF HOLDING SECURITIES IN DEMATERIALISED FORM:

Dematerialisation or demat is the process of converting securities held in

physical form into an electronic record or to directly allot securities in electronic

form. The benefits are as follows:

1. Elimination of all risks associated with holding and dealing with physical

certificates.

2. Convenience of holding the entire portfolio consisting of Equity Shares,

Debentures, bonds, Mutual Fund units etc. in one demat account.

3. Immediate transfer / credit of securities into an investor’s demat account

once the pay-out is received from exchange.

4. Shorter Settlement Cycles results in settlement of trades (Currently T+2)

on the 2nd working day from the trade day, which enhances liquidity.

5. Direct credit of securities issued as bonus or on allotment of IPO/Rights,

split and merger into the BO’s demat account.

1CDSL – Your Depository

An Investor's Guide

WELCOME TO THE WORLDOF CDSL SERVICES!

Receive SMS alertsfor debit

transactions andcredit related to

corporate actions

TR

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ansactionssing

ecuredexting

TRUST

Online accessto your

Demat Accountanytime -anywhere

Submit yourdelivery

instructions onthe internet

Create your online Willon www.cdslindia.com

Will

Get a consolidatedstatement of all yourinvestments acrossdepositories and

Mutual funds.

CASCAS

Mobile App available forDownload from

Google Play,Windows,

iOS

Visitwww.evotingindia.com

to cast your online votes oncompany resolutions

CDSL'S Mobile Appfor eVoting

6. No stamp duty is payable by the investors for transfer of any kind of

securities in demat form.

7. Increased participation of investors in the market as even one share can

be bought and sold.

8. Ease of portfolio monitoring as the DP provides periodic statement of

holdings to the BO, which gives a consolidated position of all his

investments in the demat account.

9. Ease of recording change of demographic details, bank details,

nomination, etc. as the same can be done by giving a single instruction

to the DP. A BO who has already registered his KYC details with the

KYC Registration Agency (KRA) can make necessary changes in his

demographic details by submitting necessary documents to his DP/

Clearing Member (CM).

ADVANTAGES OF OPENING A CDSL DEMAT ACCOUNT:

1. Online depository services offered by wide DP network: CDSL’s

centralised database provides online depository services across the

country. A wide network of CDSL DPs provide convenient, dependable

and secured depository services at the door step of investors.

2. Unique 16 digit BOID: CDSL’s unique 16 digit demat account number

(BOID) ensures that no BOID is

duplicated in the system. This

eliminates wrong transfer of

securities in a demat account.

3. Pledge: The securities held in a

demat account may be used as

collateral to secure loans and

other credits by a BO. The

Pledgor (borrower) and the

pledgee (lender) must have a

demat account with the same depository. However, both need not have

their demat account with the same DP.

4. Internet based facilities:

� easi (Electronic Access to Securities Information)– CDSL’s easi

internet facility provides an anytime, anywhere access to the demat

account to BOs. Through the easi login, a BO can:

i) view and print statement of his demat account

ii) status of last 30 days transactions

iii) a daily valuation of his portfolio based on last day’s closing

price on BSE,

iv) monitor corporate announcements for the securities held in

his demat account

� easiest (Electronic Access to Securities Information and Execution

of Secured Transactions)– CDSL’s internet facility easiest enables

a BO to submit online transactions. Through easiest, a BO/CM can

submit debit instructions related to on-market, off-market,

inter-depository and early pay-in transactions. Moreover, all the

facilities and benefits of easi are also available to BOs registered

for easiest.

� e-Locker - is an online document storage facility to store important

documents in electronic form at one central secure location. This

facility is available for easi/easiest users.

� e-KYC– provides an electronic, paperless KYC experience to

Aadhaar holders. It provides an instantaneous, electronic, non-

repudiable proof of identity and proof of address along with date of

birth and gender.

� My easi will - It is a simple technology enabled solution to facilitate

CDSL – Your DepositoryCDSL – Your Depository

An Investor's GuideAn Investor's Guide

32

an individual for preparation of an online Will. Investors can approach

their DPs to avail of this facility.

� eCAS– an electronic Consolidated Account Statement is provided

to investors giving them a comprehensive view of their investments

in mutual funds and securities in demat account.

� e-Voting -an internet based system (www.evotingindia.com) through

which shareholders can login and register their votes on company

resolutions. The system processes and records votes automatically,

which facilitates faster processing of voting results.

� Corporate Bond Database – provides a common platform for

investors to access a comprehensive and updated database of all

corporate bonds held in CDSL. Kindly visit www.cdslindia.com to

access the database.

6. Mobile based facilities:

� SMS Alerts Related to Transactions (SMART): CDSL’s SMART

facility provides SMS alerts to BOs registered for this facility, for all

debits and/or credits related to corporate actions in his demat

account, which enables better monitoring of his security holdings.

� TRUST (Transactions Using Secured Texting) enables BOs to

submit pay-in instructions through SMS.

� Myeasi Mobile App is a mobile app for CDSL’s internet facilities

easi and easiest. BOs can log-in to the App using their easi/easiest

log-in credentials. CDSL’s Myeasi app can be downloaded by

Android, iOS and Windows based mobile users.

� m-Voingis a mobile based application for e-voting. The mobile app

can be downloaded by shareholders on their Android, iOS and

Windows based mobile users.

7. Helpdesk: A prompt and courteous helpline facility assists DPs and

investors to obtain any clarification / guidance.

8. Audit and Inspection: CDSL conducts regular audit of its DPs to ensure

compliance of stringent operational and regulatory requirements.

9. Insurance Cover: CDSL has obtained adequate insurance cover for

any unlikely loss occurring to a BO due to the negligence at DP / CDSL.

10. Secured computer systems: CDSL’s

state-of-the-art computer systems,

data storage devices and

communication networks ensures the

security and integrity of all data

uninterruptedly.

OPENING A DEMAT ACCOUNT:

An individual or non-individual investor can open a demat account with any

DP of CDSL. Individual investors can be resident Indians or NRIs, whereas,

non-individual investors includes Corporates, FIs, FPIs, Mutual Funds, Trusts,

Societies, HUF etc. While selecting a DP, an investor should take into

consideration the tariff structure, locational convenience and track record of

the DP. Unlike a Bank account, a demat account can be opened and maintained

with NIL balance.

A BO needs to be KYC Compliant at the time of opening a demat account.

SEBI has mandated all BOs who open account after 01.01.2012 to be KYC

compliant. Further, any existing client who trades/deals/invest in the capital

market should register his KYC details with the KYC Registration Agency

(KRA) within stipulated time as specified in SEBI circulars from time to time.

The BO should submit the relevant KYC registration form along with Proof of

Identity (POI) and Proof of Address (POA) to the Intermediary for all holders.

Once the KYC is verified by the KRA, a BO need not submit POI and POA

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An Investor's GuideAn Investor's Guide

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7

documents again to the second intermediary while opening a new demat or

trading account.

Nomination: Individuals at the time of account opening, in single or joint

names should make, a nomination/s. This enables easy transmission of

securities to the nominee’s account in an unfortunate event of death of sole

or all the joint holders. In case one of the joint holder expires, the balance of

securities is transmitted in the names of surviving jointholder(s). Only individual

investors can nominate and nominee can be an individual only. In other words,

non-individuals such as FPIs, Corporate, HUF etc. cannot make nomination.

Dematerialisation: In case of conversion of

physical securities into demat form, if certificates

are held in Joint names, the demat account

should be opened in the same order of names. If

the securities are held by an individual jointly with

different persons, separate demat accounts will

have to be opened for each such combination. If

the order of names in the demat account and on

certificates is different, the same can be dematerialised using transposition-

cum-demat facility.

Documents Required for Demat account Opening:

Individual Investors:

a) KYC registration form alongwith Proof

of Identity and Proof of Address.

(Mandatory for all holders, if not KYC

Compliant.)

b) Copy of PAN card (Mandatory)

b) Demat account opening form.

c) A passport size photograph of the

applicant(s) with their signature(s) put across the photograph(s).

Corporate Investors:

a) KYC Registration form along with Proof of Identity and Proof of Address.

b) Demat account opening form.

c) Copy of PAN card (Mandatory)

d) A certified copy of the Memorandum and Articles of Association of the

company.

e) A certified true copy of the Board Resolution authorising opening of demat

account and listing out the name(s) of the official(s) authorised by the

Board to act as authorised signatory/ies.

f) Name(s) of the authorised signatory/ies and their designation(s) with

specimen signature(s).

For additional documents required for opening demat account of NRIs,

Trust, Partnership Firm, Proprietorship firm, FPIs etc., investors may

contact their DP.

BO SHOULD RECEIVE FROM DP:

a) Beneficial Owner Identification number (BOID). This BOID should be

quoted in all correspondences with the DP, Issuer Companies, Registrar

and Transfer Agents and CDSL.

b) Pre-printed instruction slips for effecting various types of transactions

such as on-market, off-market, inter-depository, early pay-in etc. CDSL

has one single debit instruction slip for all type of transactions.

SETTLEMENT FEES

CDSL does not charge fees directly to the BO but collects the depository fees

for debit and pledge transactions from the concerned DP.

REDRESSAL OF INVESTOR GRIEVANCES

In case of any unresolved grievance with the DP, a BO may contact CDSL’sInvestor Grievances Cell at the below mentioned address:

The Investor Relations OfficerCentral Depository Services (India) Limited

16th Floor, Phiroze Jeejeebhoy Towers,Dalal Street, Fort, Mumbai-400 001.

Tel: (022) 22723333 Fax: (022) 22723199Toll Free No.: 1800-200-5533

Email : complaints@cdslindia.com;Website : www.cdslindia.com

Disclaimer - This investor guide contains information, which is subject tochange and cannot be the basis for any claims or demand or cause of actionby any one against CDSL or its DPs. For latest information, BO’s are requestedto contact their DP / CDSL.

An Investor's Guide

8

AnyQueries?