kim cum appln form reliance sip insure

8/3/2019 KIM Cum Appln Form Reliance SIP INsure

1/30

REGISTERED OFFICEReliance House,Nr. Mardia Plaza,Off. C.G. Road,

Ahmedabad 380 006.

REGISTRARKarvy Computershare Private LimitedMadhura Estate, Muncipal No 1-9/13/CPlot No 13 & 13C , Survey No 74 & 75Madhapur Village, Serlingampally Mandal & MuncipalityR R District, Hyderabad 500 081.Tel: 040-40308000 Fax: 040-23394828

AUDITORS TO THE SCHEMEHaribhakti & Co.Chartered Accountants42, Free Press HouseNariman PointMumbai-400 021.

CUSTODIANDeutsche Bank AGKodak House, Ground Floor,Mumbai-400 001.

SPONSORCorporate OfficeReliance Capital LimitedH Block, 1st FloorDhirubhai Ambani Knowledge CityKoparkhairne, Navi Mumbai - 400 710

Tel: 022-3032 7000, Fax: 022-3032 7202

TRUSTEECorporate OfficeReliance Capital Trustee Co. LimitedOne Indiabulls Centre, Tower 1,11th & 12th Floor, Jupiter Mill Compound,841, Senapati Bapat MargElphinstone Road, Mumbai-400 013Tel No. +91 022 30994600Fax No. +91 022 30994699

INVESTMENT MANAGERCorporate OfficeReliance Capital Asset Management LimitedOne Indiabulls Centre, Tower 1, 11th & 12th Floor,Jupiter Mill Compound, 841, Senapati Bapat MargElphinstone Road, Mumbai-400 013Tel No. +91 022 30994600 Fax No. +91 022 30994699Customer Care: 1800-300-11111 (Toll free) / 3030 1111

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

Continuous offer of Open Ended Equity & Sector Specific Schemes at NAV based prices plus applicable load, if any.

Key Information Memorandum cum Common Application Form for Reliance SIP Insu

Equity & Sector Specific Schemes

An open ended Diversified Equity Scheme

Reliance Equity

Advantage FundAn open ended Equity Scheme

Reliance Quant

Plus FundAn open ended Equity

Growth Scheme

Reliance

Vision Fund

An open ended Equity Growth Scheme

RelianceGrowth Fund

An open ended Diversified

Equity Scheme

Reliance Equity

Opportunities Fund

An open ended Diversified Equity Scheme

Reliance

Equity Fund

An open ended Scheme

Reliance RegularSavings Fund-Equity Option

An open ended Scheme

Reliance RegularSavings Fund-Balanced Option

An open ended Equity Scheme.

Reliance Natural

Resources FundAn open ended Banking

Sector Scheme

Reliance

Banking Fund

An open ended Pharma

Sector Scheme

Reliance

Pharma Fund

An open ended Power Sector Scheme

Reliance Diversified

Power Sector FundAn open ended Media & Entertainment

sector Scheme

Reliance Media &

Entertainment Fund

An open ended Equity LinkedSavings Scheme

Reliance Tax Saver

(ELSS) Fund

Reliance Long Term

Equity Fund(An Open Ended DiversifiedEquity Scheme)

Reliance

Infrastructure Fund(An Open ended equity scheme)

Reliance

Small Cap Fund(An Open Ended Equity Scheme)


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KEY SCHEME FEATURES

Name of the Scheme

The total expenses of the scheme including the investment management and advisory fee shall not exceed the limits (i.e. % of the daily or

average weekly net assets) stated in Regulation 52(6) of SEBI (Mutual Funds) Regulations, 1996. (i) On the first Rs. 100 crore - 2.50%; (ii) On thenext Rs. 300 crore - 2.25%; (ii i) On the next Rs. 300 crore - 2.00; (iv) Balance 1.75%;Provided that such expenses shall be lesser by atleast 0.25% of the daily or average weekly net assets outstanding in each financialyear in respect of a scheme investing in bonds

Retail Plan:Nil, Institutional Plan: NilIn terms of SEBI circular no. SEBI/IMD/CIR No.4/ 168 230/09 dated June 30, 200 9, no entry load will be charged by the Scheme to tinvestor effective August 1, 2009. Upfront commission shall be paid directly by the investor to the AMFI registered Distributors baseon the investors' assessment of various factors including th e service rendered by the distributor

Retail Plan: Rs. 1000 & in multiples of Re 1 thereafter, Institutional Plan: Rs. 1 lac & in multiples of Re 1 thereafter

Plans and Options

Entry Load

(i) Load Structure

Expenses of the Scheme

Exit Load

Reliance Equity Advantage Fund(An open ended Diversified Equity Scheme)

Investment objective The primary investment objective of the scheme is to seek to generate capital appreciation and provide long term growth opportunities binvesting in a portfolio predominanatly of equity and equity related instruments with investments generally in S&P CNX Nifty stocks and thsecondary objective is to generate consistent returns by investing in debt and money market securities.

Asset Allocation Pattern Equity & Equity Related Instruments-7 -100%, Debt & Money

% ( 25% of the corpus in securitised Debt)

0 Instruments Market Instruments (including investments in Securitise

Debt) 0-30 including up to

The fund has a sector neutral approach & endeavors to give Index plus returns. Sector weightage of the fund would mirror exactly that oNifty on monthly basis. Minimum 80% of stocks within each sector would be constituents of Nifty, though not necessarily with their Niftweights.Maximum 20% of stocks could be Non-Nifty in each sector to provide the additional alpha possibilities & opportunities.

Differentiation

Risk Mitigation Factors Robust measures implemented to mitigate Risk include, adoption of internal policies on investments and valuations, rigorous procedurefor monitoring investment restrictions and effective implementation of various norms prescribed by SEBI from time to time.

Investment Strategy The fund proposes to invest 100% of the net equity investments in line with the sector ratio of S & P CNX Nifty. The fund will endeavor treplicate the sector allocation of the S & P CNX Nifty on a monthly basis. At least 80% of the equity investments will be in S & P CNX Niftystocks and the balance exposure in other stocks. This means that investment gamut will mainly be stocks in S & P CNX Nifty index and to asmall extent in other stocks of belonging to any/all sectors

Under each of Retail and Institutional Plans following options are included: Growth (Growth & Bonus) & Dividend (Payout &Reinvestment)

Retail Plan: Rs. 5000 & in multip les of Re 1 thereafter, Institutional Plan: Rs.5 crore & in multiples of Re 1 thereafterMinimum Application Amount

MinimumAdditional

Purchase Amount

Minimum Redemption Redemptions can be for any amount or any number of units. However, in order to keep the account in operation, minimum balanceequal to the minimum subscription amount under each of the plans, is required to be maintained in the account.

S&P CNX NiftyBenchmark

Ashwani Kumar & Sailesh Raj Bhan, Jahnvee Shah(Dedicated Fund Manager for Overseas Investments)Fund Manager

Reliance Equity Advantage Fund- Retail Plan - Growth Inception date- 9/8/07

(ii) Recurring Expenses

Compounded Annualised Returns

Past performance may or may not be sustained in future

Performance of the Scheme as

on 29/04/2011

Performance of the Scheme as on 31/03/2011

Calculation assume that all payouts during the period have been re-investedin the units of the scheme at the then prevailing NAV. All the returns are of Retail Plan - Growth Plan - Growth Option

(Absolute returns for each Financial Year for the last 4 years)

Quarterly AAUM

as on 31/03/2011

Rs.1052 Crs.

No of Folios as on

30th April 2011

298673

Year 3 Years 5 YearsPeriod 1 Returns Since Inception

Scheme Returns % 13.08 5.86 N.A. 8.50

S&P CNX Nifty Index Returns % 9.43 3.44 N.A. 7.43

7.52

-36.26

73.76

2.87

-31.86

69.06

-45.00

-35.00

-25.00

-15.00

-5.00

5.00

15.00

25.00

35.00

45.00

55.00

65.00

75.00

FY 09-10

FY08-09

FY07-08*

Reliance Equity Advantage Fund-Retail-Growth S&P CNX Nifty * Since Inception: 09th Aug 2007

14.1211.14

FY 10-11

For Reliance SIP Insure :redeemed or switched out or the SIP Insure is discontinued or it is defaulted before the maturity of committed SIP Insure tenure or befocompletion of 55yrs of age whichever is earlier as opted in the respective scheme either by the SIP-Insure unitholder or by the nominee, athe case may be. Upon completion of 55 years of age, if there are still balance unpaid SIP installments, those will be treated as Normal Swith the relevant exit load as may be existing from time to time.Please refer to instructions cum Terms & Conditions for more details oReliance SIP Insure

There will be an Exit Load of 2%, if the accumulated units acquired or allotted under Reliance SIP Insure a

For Lumpsum Investment & SIP without insurance cover : (Retail Plan & Institutional Plan) 1% if redeemed or switched out on or before completion of 1 year from the date of allotment of units. Nil if redeemed or switched out after the completion of 1 year from the date of allotment of units


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KEY SCHEME FEATURES

Name of the Scheme

Investment objective

Retail Plan:Nil, Institutional Plan: NilIn terms of SEBI circular no. SEBI/IMD/CIR No.4/ 168 230/09 dated June 30, 200 9, no entry load will be charged by the Scheme to tinvestor effective August 1, 2009. Upfront commission shall be paid directly by the investor to the AMFI registered Distributors baseon the investors' assessment of various factors including the service rendered by the distributor

For Lumpsum Investment & SIP without insurance cover : (Retail Plan & Institutional Plan) 1% if redeemed or switched out on or before completion of 1 year from the date of allotment of units. Nil if redeemed or switched out after the completion of 1 year from the date of allotment of units

Retail Plan: Rs. 1000 & in multiples of Re 1 thereafter, Institutional Plan: Rs. 1Lac & in multiples of Re 1 thereafter

Plans and Options

Entry Load

Exit Load

Reliance Vision Fund(An open ended equity growth scheme)

The primary investment objective of the scheme is to achieve long-term growth of capital by investment in equity and equity relatedsecurities through a research based investment approach.

Asset Allocation Pattern Equity & Equity Related Instruments- 60-100%, Debt Instruments 0- 30% & Money Market Instrument 0- 10%

The fund aims to achieve long term capital appreciation through investment in high quality large size capitalization stocks with small exposure in mid size capitalization stocks.

Differentiation

Risk Mitigation Factors Robust measures implemented to mitigate Risk include, adopt ion of internal policies on investments and valuations, rigorous procedurfor monitoring investment restrictions and effective implementation of various norms prescribed by SEBI from time to time.

Investment Strategy The portfolio shall be structured so as to keep risk at acceptable levels. This shall be done through various measures including:1. Broad diversification of port folio 2. Ongoin g review of relevant market, industry, sector and economic parameters 3. Investing icompanies which have been researched 4. Investments in debentures and bon ds (where the tenure exceeds 18 months) will usualbe in instruments which have been assigned investment grade ratings by any approved rating agency

Under each of Retail and Institutional Plans following options are included: Growth (Growth & Bonus) & Dividend (Payout &

Reinvestment)

Retail Plan: Rs. 5000 & in multiples of Re 1 thereafter, Institutional Plan: Rs. 5 crore & in multiples of Re 1 thereafterMinimum Application Amount

Minimum Additional

PurchaseAmount

Minimum Redemption Redemptions can be for any amount or any number of units. However, in order to keep the account in operation, minimum

balance equal to the minimum subscription amount under each of the plans, is required to be maintained in the account.

BSE 100 IndexBenchmark

Ashwani Kumar, Jahnvee Shah(Dedicated Fund Manager for Overseas Investments)Fund Manager

Reliance Vision Fund - Retail Plan - Growth Inception date- 08/1 0/95


(i) Load Structure


The total expenses of the scheme including the investment management and advisory fee shall not exceed the limits (i.e. % of the daily oraverage weekly net assets) stated in Regulation 52(6) of SEBI (Mutual Funds) Regulations, 1996. (i) On the first Rs. 100 crore - 2.50%; (ii) On the

next Rs. 300 crore - 2.25%; (ii i) On the next Rs. 300 crore - 2.00; (iv) Balance 1.75%;Provided that such expenses shall be lesser by atleast 0.25% of the daily or average weekly net assets outstanding in each financialyear in respect of a scheme investing in bonds


Calculation assume that all payouts during th e period have been re-investedin the units of the scheme at the then prevailing NAV. All the returns are of Retail Plan - Growth Plan - Growth Option


Rs. 2936 Crs.

411548

1 Year 3 Years 5 yearsPeriod Returns Since Inception

Scheme Returns % 7.79 7.19 10.05 23.67

BSE100 Returns % 7.18 2.64 9.83 12.31

Quarterly AAUM

as on 31/03/2011

Performance of the Scheme

as on 29/04/2011


8.9521.47

-35.1

11.5724.98

-39.97

88.1788.44

-50

0

50

100

FY06-07 FY07-08

FY08-09

FY09-10

Reliance Vision Fund - Growth BSE100

FY10-11

7.22 8.55

No of Folios as on

30th April 2011


R t il Pl 1 83% I tit ti l Pl 1 63%

For Reliance SIP Insure :redeemed or switched out or the SIP Insure is discontinued or it is defaulted before the maturity of committed SIP Insure tenure or beforcompletion of 55yrs of age whichever is earlier as opted in the respective scheme either by the SIP-Insure unitholder or by the nominee, athe case may be. Upon completion of 55 years of age, if there are still balance unpaid SIP installments, those will be treated as Normal SIwith the relevant exit load as may be existing from time to time.Please refer to instructions cum Terms & Conditions for more details onReliance SIP Insure

There will be an Exit Load of 2%, if the accumulated units acquired or allotted under Reliance SIP Insure ar

Act ale penses


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KEY SCHEME FEATURES

Name of the Scheme


Retail Plan: Nil. Institutional Plan: Nil In terms of SEBI circular no. SEBI/IMD/CIR No.4/ 168230/09 dated June 30, 2009, no entry loawill be charged by the Scheme to the investor effective August 1, 2009. Upfront commission shall be paid directly by the investor to th

AMFI registered Distributors based on the investors' assessment of various factors including the service rendered by the distributor

For Lumpsum Investment & SIP without insurance cover : (Retail Plan & Institutional Plan)1% if redeemed or switched out on or before completion of 1 year from the date of allotment of units.Nil if redeemed or switched out after the completion of 1 year from the date of allotment of units

Retail Plan: Rs. 1000 & in multiples of Re. 1 thereafterInstitutional Plan: Rs. 1 lac & in multiples of Re. 1 thereafter

Plans and Options

Entry Load

Exit Load

Reliance Quant Plus Fund(An Open ended equity scheme)

The investment objective of the scheme is to generate capital appreciation through investment in equity and equity related instruments.The scheme will seek to generate capital appreciation by investing in an active portfolio of stocks selected from S&P CNX Nifty on thebasis of a mathematical model.

Asset Allocation Pattern Equity & Equity Related Instruments-90-1 00% & Debt & Money Market Instruments -upto 0-10%

An investment fund which focuses on stocks from constituents of S&P CNX Nifty. The stock select ion process is based oquantitaive analysis, and the proprietary system-based model will shortlist between 15-20 stocks from screening mechanism at predetermined intervals i.e. on weekly basis based on quantitative techniques.

Differentiation

Risk Mitigation Factors Robust measures implemented to mitigate Risk include, adoption of internal policies on investments and valuations, rigoroprocedures for monitoring in vestment restrictions and effective implementation of various norms prescribed by SEBI from time to tim

Investment Strategy The Fund will focus on large cap/liquid stocks and use stocks designated by NSE as members of Nifty Index. The fund w ill have asignificant concentration of stocks in the portfolio while making active selective decision in stocks/sectors of S&P CNX Nifty.Quantitative methods will be used for (i) screening mechan ism to choose best picks and make the stock selection universe smaller(ii) Deciding on the portfolio weightage for better return as the investment will focus on companys size and liquidity.The quantitative model wh ich will be used for stock selection will be based on two broad parameters viz., Stock Price movement &Financial/ valuation aspects. The model will shortlist between 15-20 stocks (out of the resulting list) and the investments will be madin them on weightages defined by the fund manager.

Under each of Retail and Institutional Plans following options are included: Growth (Growth and Bonus) & Dividend (Payout and

Reinvestment)Retail Plan: Rs. 5000 & in multiples of Re 1 thereafterInstitutional Plan: Rs. 5 crore & in multiples of Re 1 thereafterMinimum Application Amount

Minimum Additional

Purchase Amount

Minimum Redemption Redemptions can be for any amount or any number of units. However, in order to keep the account in operation, minimum balance equal to theminimum subscription amount under each of the plans, is required to be maintained in the account.


Krishan Daga , Jahnvee Shah(Dedicated Fund Manager for Overseas Investments)Fund Manager

Reliance Quant Plus Fund - Retail Plan-Growth Inception date - 18/04/08


(i) Load Structure


The total expenses of the scheme including the investment management and advisory fee shall not exceed the limits (i.e. % of the daily oraverage weekly net assets) stated in Regulation 52(6) of SEBI (Mutual Funds) Regulations, 1996. (i) On the first Rs. 100 crore - 2.50%; (ii) On thenext Rs. 300 crore - 2.25%; (iii) On the next Rs. 300 crore - 2.00; (iv) Balance 1.75%;Provided that such expenses shall be lesser by atleast 0.25% of the daily or average weekly net assets outstanding in each financialyear in respect of a scheme invest ing in bonds


Calculation assume that all payouts during th e period have been re-investedin the units of the scheme at the then prevailing NAV. All the returns are of Retail Plan - Growth P lan - Growth Option

(Absolute returns for each F inancial Year for the last 3 years)

Rs. 91 Crs.

8015

1 Years 3 Years 5 yearsPeriod Returns Since Inception

Scheme Returns % 16.84 9.89 N.A 11.37

S&P CNX Nifty Returns% 9.43 3.44 N.A 5.00

Quarterly AAUM

as on 31/03/2011


as on 29/04/2011

-32.34

74.06

-39.07

73.76

-60

-40

-20

0

20

40

60

80

FY 08-09*

FY 09-10

Period

Reliance Quant Plus Fund- Retail - Growth S&P CNX Nifty

AbsoluteReturns(%)

* Since inception: 18th April 08


FY 10-11

19.7011.13

No of Folios as on

30th April 2011


Retail Plan 2.49% Institutional Plan NA

For Reliance SIP Insure :redeemed or switched out or the SIP Insure is discontinued or it is defaulted before the maturity of committed SIP Insure tenure or beforecompletion of 55yrs of age whichever is earlier as opted in the respective scheme either by the SIP-Insure unitholder or by the nominee, athe case may be. Upon completion of 55 years of age, if there are still balance unpaid SIP installments, those will be treated as Normal SIPwith the relevant exit load as may be existing from time to time.Please refer to instructions cum Terms & Conditions for more details onReliance SIP Insure

There will be an Exit Load of 2%, if the accumulated units acquired or allotted under Reliance SIP Insure are

Actual expenses

(For the previous financialyear (2010-2011) Year todate Ratio to Average AUM)


5/30

KEY SCHEME FEATURES

Name of the Scheme


In terms of SEBI circular no. SEBI/IMD/CIR No.4/ 168 230/09 dated June 30, 200 9, no entry load will be charged by the Scheme to thinvestor effective August 1, 2009. Upfront commission shall be paid directly by the investor to the AMFI registered Distributors baseon the investors' assessment of various factors including the service rendered by the distributor


Retail Plan: Rs. 1000 & in multiples of Re. 1 thereafterInstitutional Plan: Rs. 1 lac & in multiples of Re. 1 thereafter

Plans and Options

Entry Load

Exit Load

Reliance Equity Fund(An Open ended diversified equity scheme)

The primary investment objective of the scheme is to seek to generate capital appreciation & provide long-term growth opportunities byinvesting in a portfolio constituted of equity & equity related securities of top 100 companies by market capitalization & of companieswhich are available in the derivatives segment from time to time and the secondary objective is to generate consistent returns by investingin debt and money market securities.

Asset Allocation Pattern Equity and Equity related Instruments 75-100% and Debt Instruments and Money Market Instrument (including investments inSecuritised debt) 0- 25%. )

The fund focuses on large cap(stocks belonging to top 100 companies by m-cap) and which are present in F&O segment with ahedging/shorting feature.

Differentiation

Risk Mitigation Factors Robust measures implemented to mitigate Risk include, adoption of internal policies on investments and valuations, rigorous procedurefor monitoring investment restrictions and effective implementation of various norms prescribed by SEBI from time to time.

Investment Strategy The Broad Investment strategy of the fund wi ll be to invest in equity & equity related securities of the Top 100 companies by market ca& also in companies in the derivatives segment. The fund will also use the derivatives route to hedge the equity portfolio & the extent which the portfolio will be hedged will be linked tothe P/E of the Index. as mentioned in the Scheme Information Document.Th e exteof hedging of the portfo lio is determined based on the month-en d weighted average PE ratio of the Index, which in this case will be thS&P CNX Nifty.

Under each of Retail and Institutional Plans following options are included: Growth (Growth and Bonus) & Dividend (Payout andReinvestment)

Retail Plan: Rs. 5000 & in multiples of Re 1 thereafterInstitutional Plan:Rs. 5 crore & in multiples of Re 1 thereafterMinimum Application Amount

Minimum Additional

Purchase Amount



Omprakash Kuckian , Jahnvee Shah(Dedicated Fund Manager for Overseas Investments)Fund Manager

Reliance Equity Fund - Retail Plan - GrowthInception date-30/03/06


Retail Plan: Nil. Institutional Plan: Nil

(i) Load Structure



average weekly net assets) stated in Regulation 52(6) of SEBI (Mutual Funds) Regulations, 1996. (i) On the first Rs. 100 crore - 2.50%; (ii) On thenext Rs. 300 crore - 2.25%; (iii ) On the next Rs. 300 crore - 2.00; (iv) Balance 1.75%;Provided that such expenses shall be lesser by atleast 0.25% of the daily or average weekly net assets outstanding in each financialyear in respect of a scheme investing in bonds



Calculation assume that all payouts durin g the period have been re-investedin the units of the scheme at the th en prevailing NAV. All the returns are of Retail Plan - Growth Plan - Growth Option


Rs.1434 Crs.

411189


Scheme Returns % -4.84 -0.35 6.03 6.59

S & P CNX Nifty Returns % 9.43 3.44 10.07 10.76

Quarterly AAUM

as on 31/03/2011


as on 29/04/2011

S&P CNX NiftyReliance Equity Fund - Growth

* Since Inception: 30th March 2006


Percentage(%)

-45.00

-35.00

-25.00

-15.00

-5.00

5.00

15.00

25.00

35.00

45.00

55.00

65.00

75.0073.76

-36.19

23.89

12.31

59.63

-30.06

20.29

8.66

FY09-10

FY08-09

FY07-08FY06-07

FY10-11

11.14

-5.04

No of Folios as on

30th April 2011

For Reliance SIP Insure :redeemed or switched out or the SIP Insure is discontinued or it is defaulted before the maturity of committed SIP Insure tenure or beforcompletion of 55yrs of age whichever is earlier as opted in the respective scheme either by the SIP-Insure unitholder or by the nominee, athe case may be. Upon completion of 55 years of age, if there are still balance unpaid SIP installments, those will be treated as Normal SIPwith the relevant exit load as may be existing from time to time.Please refer to instructions cum Terms & Conditions for more details onReliance SIP Insure



6/30

KEY SCHEME FEATURES

Name of the Scheme


Retail Plan:Nil, Institutional Plan: NilIn terms of SEBI circular no. SEBI/IMD/CIR No.4/ 1682 30/09 dated June 30, 2009 , no entry load will be charged by the Scheme to thinvestor effective August 1, 2009. Upfront commission shall be paid directly by the investor to the AMFI registered Distributors baseon the investors' assessment of various factors including th e service rendered by the distributor



Plans and Options

Entry Load

Exit Load

Reliance Growth Fund(An open ended equity growth scheme)

The primary investment objective of the scheme is to achieve long term growth of capital by investing in equity and equity relatedsecurities through a research based investment approach.

Asset Allocation Pattern Equity & Equity Related Instruments- 65-100 % & Debt Instruments & Money Market Instrument upto 0-35%

The core philosophy of the fund is to focus on high qualit y mid cap stocks while having a small exposure to large cap stocks.Differentiation

Risk Mitigation Factors Robust measures implemented to mitigate Risk include, adoption of internal policies on investments and valuations, rigorouprocedures for monitorin g investment restrictions and effective implementation of various norms prescribed by SEBI from time ttime.

Investment Strategy The portfolio shall be structured so as to keep risk at acceptable levels. This shall be done through various measures including:1. Broad diversification of portfo lio2. Ongoin g review of relevant market, industry, sector and economic parameters 3. Investing icompanies which have been researched 4. Investments in debentures and bon ds (where the tenure exceeds 18 months) will usualbe in instruments which have been assigned investmen t grade ratings by any approved rating agency


Reinvestment)

Retail Plan: Rs. 5000 & in multiples of Re 1 thereafter, Institutional Plan: Rs. 5 crore & in multiples of Re 1 thereafterMinimum Application Amount

MinimumAdditional

Purchase Amount




Sunil Singhania , Jahnvee Shah(Dedicated Fund Manager for Overseas Investments)Fund Manager

Reliance Growth Fund-Retail Plan-Growth Inception date- 08/10/95


(i) Load Structure


The total expenses of the scheme including the investment management and advisory fee shall not exceed the limits (i.e. % of the daily oraverage weekly net assets) stated in Regulation 52(6) of SEBI (Mutual Funds ) Regulations, 1996. (i) On the first Rs. 100 crore - 2.50%; (ii) On thenext Rs. 300 crore - 2.25%; (iii) On the next Rs. 300 crore - 2.00; (iv) Balance 1.75%;

Provided that such expenses shall be lesser by atleast 0.25% of the daily or average weekly net assets outstanding in each financialyear in respect of a scheme invest ing in bonds



Calculation assume that all payouts durin g the period have been re-investedin the units of the scheme at the then prevailing NAV. All the returns are of Retail Plan - Growth Plan - Growth Option


Rs.7166 Crs.

1018179

1 Year 3 Years 5 yearsPeriod Returns Since Inception

Scheme Returns % 2.89 8.14 13.12 28.00

BSE100 Returns % 7.18 2.64 9.83 12.31

Quarterly AAUM

as on 31/03/2011


as on 29/04/2011


12.9628.59

-37.94

112.06

11.5724.98

-39.97

88.17

-50

0

50

100

150

Reliance Growth Fund- Growth BSE100

FY06-07 FY07-08 FY09-10

FY08-09

FY10-11

4.59 8.55

No of Folios as on

30th April 2011

Retail Plan 1 79% Institutional Plan 1 59%



Actualexpenses


7/30

KEY SCHEME FEATURES

Name of the Scheme


Retail Plan:Nil, Institutional Plan: NilIn terms of SEBI circular no. SEBI/IMD/CIR No.4/ 168 230/09 dated June 30, 200 9, no entry load will be charged by the Scheme to thinvestor effective August 1, 2009. Upfront commission shall be paid directly by the investor to the AMFI registered Distributors baseon the investors' assessment of various factors including the service rendered by the distributor

For Lumpsum Investment & SIP without insurance cover : ( Retail Plan & Institutional Plan ) 1% if redeemed or switched out on or before completion of 1 year from the date of allotment of units.

Nil if redeemed or switched out after the completion of 1 year from the date of allotment of units


Plans and Options

Entry Load

Exit Load

Calculation assume that all payouts during th e period have been re-investedin the units of the scheme at the then prevailing NAV. All the returns are of Retail Plan- Growth Plan - Growth Option

Reliance Equity Opportunities Fund(An open ended diversified equity scheme)

The primary investment objective of the scheme is to seek to generate capital appreciation & provide long-term growth opportunitieby investing in a portfolio constituted of equity securities & equity related securities and the secondary objective is to generatconsistent returns by investing in debt and money market securities.

Asset Allocation Pattern Equity & Equity Related Instruments-75-100%, Debt & Money s25% (25% of the corpus in securitised Debt)

Instruments Market Securitie (including investments in SecuritiseDebt) 0-

The fund has the mandate to invest across companies(belonging to different sectors) with different market caps; be it large, mid osmall.The fund manager wou ld have the flexibility to be overweight in a particular sector or market caps depending on the potential &opportun ities as they arise. The investment horizon of the fund is minimum 2 yrs.

Differentiation


Investment Strategy The Fund will endeavor to continuously analyze the performance of economy and industry, which would be reflected in thinvestment pattern of the fund. The Fund wou ld seek both value & growth, which are likely to commence from the ongoing structu rachanges in the government policies, infrastructure spending and continuous global economic reforms which tries to integratedifferent economies across the globe. The primary approach to stock selection will be through th e Top down approach i.e Sector -Industry-- Company.

Under each of Retail and Institutional Plans following options are included: Growth (Growth & Bonus) & Dividend (Payou t &Reinvestment)

Retail Plan: Rs. 5000 & in multip les of Re 1 thereafter, Institutional Plan: Rs. 5 crore & in multiples of Re 1 thereafterMinimumApplicationAmount

MinimumAdditional

Purchase Amount




Sailesh Bhan (Fund Manager), Viral Berawala (Assistant Fund Manager) , Jahnvee Shah(Dedicated Fund Manager for Overseas InvestmentsFund Manager

Reliance Equity Opportunities Fund- Retail Plan-Growth Inception date- 31/03/05


(i) Load Structure






Rs. 2838 Crs.

410501

1 Year 3 Years 5 yearsPeriod Returns Since InceptionScheme Returns % 14.25 15.02 12.80 23.73

BSE100 Returns % 7.18 2.64 9.83 18.93

Quarterly AAUM

as on 31/03/2011


as on 29/04/2011

Reliance Equity Opportunities Fund - Growth BSE100


10.11 7.44

-38.12

11.5724.98

-39.97

88.17

129.84

-50

0

50

100

150

FY06-07 FY07-08

FY08-09

FY09-10 FY10-11

14.898.55

No of Folios as on

30th April 2011





8/30

KEY SCHEME FEATURES

Name of the Scheme


NilIn terms of SEBI circular no. SEBI/IMD/CIR No.4/ 168230 /09 dated June 30, 200 9, no entry load will be charged by the Scheme to tinvestor effective August 1, 2009. Upfron t commission shall be paid directly by the investor to the AMFI registered Distributors baseon the investors' assessment of various factors including the service rendered by the distributor

1% if redeemed or switched out on or before completion of 1 year from the date of allotment of units. Nil if redeemed or switched out after completion of 1 year from the date of allotment of units

For Lumpsum Investment & SIP without insurance cover :

Rs. 500 & in mu ltiples of Re.1 thereafter

Plans and Options

Entry Load

Exit Load

Calculation assume that all payouts durin g the period have been re-investedin the units of the scheme at the th en prevailing NAV. All the returns are of Growth Plan - Growth Option

Reliance Regular Savings Fund- Equity Option(An Open ended scheme)

The primary investment objective of this option is to seek capital appreciation and/or to generate consisten t returns by activelyinvesting in Equity &Equity-related Securities.

Asset Allocation Pattern Equity and Equity related securities 80%-1 00% and Debt and Money Market Instruments with an average maturity of 5-10 years -0% - 20%

Reliance Regular Savings Fun d has been launched as an asset-allocator fund which g ives investor an option to invest either in equitydebt or both. The scheme is a growth oriented aggressive equity fund which adopts a multi cap strategy to capitalize on markettrends especially in volatile markets.

Differentiation


Investment Strategy Investment may be made in listed or unlisted securities. Listed securities refer to securities listed on any of the recognized StocExchanges. Investments may be made as secondary market purchases, initial publi c offer, rights offers private placement etc. ThFund would identify companies for investment, based on the following criteria amongst others:1. Sound Managemen t 2. Good track record of the company 3. Potential for future growth 4. Industry economic scenario

Growth Plan & Dividend Plan (Dividend Payout Option & Dividend Reinvestment Option)

Rs. 500 & in multiples of Re.1 thereafterMinimumApplicationAmount

Minimum Additional

PurchaseAmount

Minimum Redemption Redemptions can be for any amount or any number of units. However, in order to keep the account in operation, minimum balanceequal to the minimum subscription amount under each of the plans , is required to be maintained in the account.

BSE 100Benchmark

Omprakash Kuckian, Jahnvee Shah(Dedicated Fu nd Manager for Overseas Investments)Fund Manager

Reliance Regular Savings Fund - Equity Option - Growth Plan Inception date- 09/06/2005


(i) Load Structure



average weekly net assets) stated in Regulation 52(6) of SEBI (Mutual Funds) Regulations, 1996. (i) On the first Rs. 100 crore - 2.50%; (ii) On thenext Rs. 300 crore - 2.25%; (iii) On the next Rs. 300 crore - 2.00; (iv) Balance 1.75%;Provided that such expenses shall be lesser by atleast 0.25% of the daily or average weekly net assets outstanding in each financialyear in respect of a scheme invest ing in bonds




Rs. 3264 Crs.

714526


Scheme Returns % 6.99 9.36 17.87 21.16

BSE100 Returns % 7.18 2.64 9.83 18.53

Quarterly AAUM

as on 31/03/2011


as on 29/04/2011


Reliance RSF - Equity-GrowthPeriod

BSE100

-45.00

-25.00

-5.00

15.00

35.00

55.00

75.00

95.00

115.00

88.17

24.9811.57

112.90

51.5

21.78

-39.97-38.56

FY09-10

FY08-09

FY07-08FY06-07 FY10-11

5.87 8.55

No of Folios as on

30th April 2011

For Reliance SIP Insure :redeemed or switched out or the SIP Insure is discontinued or it is defaulted before the maturity of committed SIP Insure tenure or befocompletion of 55yrs of age whichever is earlier as opted in the respective scheme either by the SIP-Insure unitholder or by the nominee,the case may be. Upon completion of 55 years of age, if there are still balance unpaid SIP installments, those will be treated as Normal Swith the relevant exit load as may be existing from time to time.Please refer to instructions cum Terms & Conditions for more details oReliance SIP Insure



9/30

KEY SCHEME FEATURES

Name of the Scheme


NilIn terms of SEBI circular no. SEBI/IMD/CIR No.4/ 168230/09 dated June 30 , 2009, no entry load will be charged by the Scheme to theinvestor effective August 1, 2009. Upfront commission shall be paid directly by the investor to the AMFI registered Distributors based onthe investors' assessment of various factors including the service rendered by the distributor

1% if redeemed or switched out on or before completion of 1 year from the date of allotment of units.Nil if redeemed or switched out after completion of 1 year from the date of allotment of units

For Lumpsum Investment & SIP without insurance cover :

Rs. 500 & in multiples of Re. 1

Plans and Options

Entry Load

Exit Load

Calculation assume that all payouts during th e period have been re-investedin the units of the scheme at the then prevailing NAV. All the returns are of Growth Plan - Growth Option

Reliance Regular Savings Fund- Balanced Option(An Open ended scheme)

The primary investment objective of this option is to generate consistent return and appreciation of capital by investing in a mix ofsecurities comprising of equity, equity related instruments and fixed income instruments.

Asset Allocation Pattern Equity and Equity Related Securities-50%-75%,Debt & Money Market instruments-25%-50%

The fund focuses on reducing volatility of returns by increasing / decreasing equity exposu re based on the market outlook and usin

a core debt portfolio to do the rebalancing The fund can invest 50%-75% of its corpus in equity & 25%-50% in debt relatedinstruments.

Differentiation

Risk Mitigation Factors Robust measures implemented to mitigate Risk include, adoption of internal policies on investments and valuations, rigorouprocedures for monitoring investment restrictions and effective implementation of various norms prescribed by SEBI from time ttime.

Investment Strategy The Scheme will, under normal market condit ions, invest its net assets primarily in Equity and equity related instruments and balancin fixedincome securities, mon ey market instruments and cash equivalents.For investments in equity and equity related securitiethe Fund would identify companies for investment, based on the following criteria amongst others: a. Sound Managemen t b. Gootrack record of the company c. Potential for future growth. Industry economic scenario

Growth Plan & Dividend Plan (Dividend Payout Option & Dividend Reinvestment Option)

Rs. 500 & in multiples of Re. 1Minimum Application Amount

Minimum Additional

PurchaseAmount


Crisil Balanced Fund IndexBenchmark

Omprakash Kuckian & Amit Tripathi , Jahnvee Shah(Dedicated Fund Man ager for Overseas Investments)Fund Manager

Reliance Regular Savings Fund- Balanced Option-Growth Plan Inception date - 13/01/2007


(i) Load Structure


The total expenses of the scheme including the investment management and advisory fee shall not exceed the limits (i.e. % of the daily oraverage weekly net assets) stated in Regulation 52(6) of SEBI (Mutual Funds) Regulations, 1996. (i) On the first Rs. 100 crore - 2.50%; (ii) On thenext Rs. 300 crore - 2.25%; (ii i) On the next Rs. 300 crore - 2.00; (iv) Balance 1.75%;Provided that such expenses shall be lesser by atleast 0.25% of the daily or average weekly net assets outstanding in each financialyear in respect of a scheme investing in bonds




Rs. 843 Crs.

59409


Scheme Returns % 7.24 15.84 15.71 16.60

Crisil Balanced Fund 8.09 5.64 9.73 8.92Index Returns%

Quarterly AAUM

as on 31/03/2011


as on 29/04/2011


AbsoluteReturns(%)

21.59

91.31

19.53

-21.53

47.31

-20.54

-3.97 -3.73

-40

-20

0

20

40

60

80

100

FY 06-07*

FY 07-08

FY 08-09

FY 09-10

RRSF Balanced Opt ion Crisi l Balanced Fund Index

Period* Since Inception : 13th Jan 07

6.45 9.37

FY 10-11

No of Folios as on

30th April 2011

2.16%



Actual expenses

(For the previous financialyear (2010-2011) Year to

)


10/30

KEY SCHEME FEATURES

Name of the Scheme


In terms of SEBI circular no. SEBI/IMD/CIR No.4/ 168 230/09 dated June 30, 200 9, no entry load will be charged by the Scheme to tinvestor effective August 1, 2009. Upfront commission shall be paid directly by the investor to the AMFI registered Distributors baseon the investors' assessment of various factors including the service rendered by the distributor

For Lumpsum Investment & SIP without insurance cover : ( Retail Plan & Institutional Plan )1% if redeemed or switched out on or before completion of 1 year from the date of allotment of units.Nil if redeemed or switched out after the completion of 1 year from the date of allotment of units

Retail Plan: Rs. 1000 & in multiples of Re. 1 thereafterInstitutional Plan:Rs. 1 lac & in multiples of Re. 1 thereafter

Plans and Options

Entry Load

Exit Load

Calculation assume that all payouts durin g the period have been re-investedin the units of the scheme at the then prevailing NAV. All the returns are of Retail Plan- Growth Plan - Growth Option

Reliance Natural Resources Fund(An Open ended equity scheme)

The primary investment objective of the scheme is to seek to generate capital appreciation and provide long term growth opportunities binvesting in companies principally engaged in the discovery, development, production or distribution of natural resources and the secondaobjective is to generate consistent returns by investing in debt and money market securities.

Asset Allocation Pattern Equity and Equity related Securities of companies principally engaged in the discovery, development, production or distribution of natural resourcin: 65%-100% ( Domestic Companies 65% -100 %, Foreign Companies as permitted by SEBI/RBI from time to time 0 %-35 %); Debt and Monmarket securities (including investments in securitised debt*):- 0%-35% (* including securitised debt upto 35%)

A thematic fund which invests in Indi an & Global companies related to natural resources and not in natural resources themse lves.Differentiation


Investment Strategy The Fund invests principally in equity securities of issuers in natural resources industries. The Fund may invest in securities issuers located anywhere in the world and normally will invest in securities of companies listed on The Bombay stock ExchangLimited (BSE), London stock Exchange Limited (LSE), New York Stock Exchange (NYSE), Toronto Stock Exchange (TSE) an

Aust ralian Stock Exch ange (ASX).Compan ies in natu ral resources indu stries inclu de companies that RCAM cons iders to bprincipally engaged in th e discovery, development, production, or di stribution of natural resources or are service providers to thNatural Resources Industry; the development of technolog ies for the production or efficient use of natural resources in addition alsfurnishin g of related supplies or services.

Under each of Retail and Institutional Plans following options are included: Growth (Growth and Bonus) & Dividend (Payout and

Reinvestment)

Retail Plan: Rs. 5000 & in multiples of Re 1 thereafterInstitutional Plan: Rs. 5 crore & in multiples of Re 1 thereafterMinimum Application Amount

Minimum Additional

Purchase Amount


**A custom benchmark created using the BSE-200 to the extent of 65% of portfolio and MSCI World Energy Index for balance 35% of the portfolio.Benchmark

Ashwani Kumar, Jahnvee Shah(Dedicated Fund Manager for Overseas Investments)Fund Manager

Reliance Natural Resources Fund - Retail Plan-Growth Plan-Growth Option Inception date - 26/02/08

(ii)Recurring Expenses

Retail Plan: Nil. Institutional Plan: Nil

(i) Load Structure


The total expenses of the scheme including the investment management and advisory fee shall not exceed the limits (i.e. % of the daily oraverage weekly net assets) stated in Regulation 52(6) of SEBI (Mutual Funds ) Regulations, 1996. (i) On the first Rs. 100 crore - 2.50%; (ii) On thenext Rs. 300 crore - 2.25%; (iii ) On the next Rs. 300 crore - 2.00; ( iv) Balance 1.75%;Provided that such expenses shall be lesser by atleast 0.25% of the daily or average weekly net assets outstanding in each financialyear in respect of a scheme invest ing in bonds



Rs.2396 Crs.

891337

Quarterly AAUM

as on 31/03/2011


as on 29/04/2011


71.24

-40.76

-10.43

64.47

-36.08

-3.78

-45.00

-35.00

-25.00

-15.00

-5.00

5.00

15.00

25.00

35.00

45.00

55.00

65.00

75.00

FY09-10

FY08-09FY07-08*

Custom Benchmark**Reliance Natural Resources Fund - Retail - Growth

**A custom benchmark created using the BSE-200 to the extent of 65% ofportfolio and MSCI World Energy Index for balance 35% of the portfolio

*Since Inception : 26th Feb 08 Period

FY10-11

5.7813.03

No of Folios as on

30th April 2011



Scheme Returns % 10.10 2.24 N.A. 2.31

Benchmark Returns % 13.43 1.14 N.A. 0.97

Retail Plan 1.85% Institutional Plan NA



Actual expenses

(For the previous financial


11/30

KEY SCHEME FEATURES

Name of the Scheme



For Lumpsum Investment & SIP without insurance cover : ( Retail Plan & Institutional Plan ) 1% if redeemed or switched out on or before completion of 1 year from the date of allotment of units. Nil if redeemed or switched out after the completion of 1 year from the date of allotment of units


Plans and Options

Entry Load

Exit Load

Calculation assume that all payouts durin g the period have been re-investedin the units of the scheme at the th en prevailing NAV. All the returns are of Retail Plan - Growth Plan - Growth Option

Reliance Banking Fund(An open ended Banking sector scheme)

The primary investment objective of the scheme is to generate continuou s returns by actively investing in equity and equityrelated or fixed income securities of companies in banking sector

Asset Allocation Pattern Equity & Equity Related Instruments-0-1 00% & Debt Instruments & Money arket Instruments 0-100%M (including upto 50% ofthe corpus in securitised Debt)

The fund aims to generate consist ent returns by investing in equity / equity related or fixed income securities of Banking and oth eassociated companies.The fund follows an active strategy of management with endeavor to generate alpha and outperform theBanking Index.

Differentiation

Risk Mitigation Factors Robust measures implemented to mitigate Risk include, adoption of internal policies on investments and valuations, rigorousprocedures for monitorin g investment restrictions and effective implementation of various norms prescribed by SEBI from time totime.

Investment Strategy The proportion of investment between equity and debt will be decided based on the view of the fund manager on anticipatedmovement in both debt as well as equity markets. The Fund manager can also take aggressive calls on the market by going upto100% in equity or 100% in debt at any point of time or any other appropriate ratio depending upon his view. The allocation betweendebt and equity will be decided based upon the prevailin g market conditions, macroeconomic environment, the performance of thecorporate sector, the equity market and other considerations. To achieve the primary objective, the fund could invest in either debt orequity securities of companies in banking sector

Under each of Retail and Institutional Plans follow ing options are included: Growth (Growth & Bonus) & Dividend (Payout &

Reinvestment)

Retail Plan: Rs. 5000 & in multiples of Re 1 thereafter, Institutional Plan: Rs.5 crore & in multiples of Re 1 thereafterMinimum Application Amount

Minimum Additional

Purchase Amount


S&P CNX Bank IndexBenchmark

Sunil Singhania, Shrey Loonker (Assistant Fund Manager) , Jahnvee Shah(Dedicated Fun d Manager for Overseas Investments)Fund Manager

Reliance Banking Fund - Retail Plan - Growth Inception date- 28/05/03


(i) Load Structure






Rs.1661 Crs.

165388

Year 3 Years 5 yearsPeriod 1 Returns Since Inception

Scheme Returns % 26.25 22.81 27.82 34.73

S&P CNX Bank Index Returns % 20.17 15.95 20.43 29.30

Quarterly AAUM

as on 31/03/2011


as on 29/04/2011

11.04

-50.4

88.83

-0.44

42.68

5.41

-59.13

122.33

-2.66

-80

-60

-40

-20

0

20

40

60

80

100

120

140

FY 06-07 FY 07-08

FY 08-09

FY 09-10

FY 10-11

AbsoluteReturns(%)

PeriodReliance Banking Fund S&P CNX Banks Index


29.02

No of Folios as on

30th April 2011





12/30

KEY SCHEME FEATURES

Name of the Scheme



For Lumpsum Investment & SIP without insurance cover : ( Retail Plan & Institutional Plan ) 1% if redeemed or switched out on or before completion of 1 year from the date of allotment of units. Nil if redeemed or switched out after the completion of 1 year from the date of allotment of units


Plans and Options

Entry Load

Exit Load

Calculation assume that all payouts durin g the period have been re-invested

in the units of the scheme at the then prevailing NAV. All the returns are of Retail Plan - Growth P lan - Growth Option

Reliance Diversified Power Sector Fund(An open ended power sector scheme)

The primary investment objective of the scheme is to seek to generate continuous return by actively investing in equity and equity

related or fixed income securities of Power and other associated companies

Asset Allocation Pattern Equity & Equity Related Instruments-0 100% & Debt & Money M k t Instruments with Average Maturity of 5-10 years - 0 - 100%ar e(including upto 100 % of the corpus in securitised Debt)

The fund focuses on compan ies related to power sector. It provides opportunity to diversify within th e sector, with focused approacand flexibility to invest in power distribution, transmission and generation related companies.

Differentiation

Risk Mitigation Factors Robust measures implemented to mitigate Risk include, adoption of internal policies on investments and valuations, rigorouprocedures for monitoring in vestment restrictions and effective implementation o f various norms prescribed by SEBI from time ttime.

Investment Strategy The Fund Manger will have discretion to completely or partially invest in any of the type of securities stated in the Scheme InformatioDocument with a view to maximize the returns or on defensive considerations. The debt part of the portfolio will not necessarily binvested in the power sector, it would include other debt and money market instruments.The proportion of investment between equity and debt will be decided based on the view of the fund manager on anticipatemovement in both debt as well as equity markets. The Fund manager can also take aggressive calls on the market by going upto 100in equity or 100% in debt at any point of time or any other appropriate ratio dependin g upon his view. The allocation between debt aequity will be decided based upon the prevailing market conditions, macroeconomic environment, and the performance of thcorporate sector, the equity market and other considerations.


Reinvestment)

Retail Plan: Rs. 5000 & in multiples of Re 1 thereafter, Institutional Plan: Rs.5 crore & in multiples of Re 1 thereafterMinimumApplicationAmount

Minimum Additional

Purchase Amount


India Power IndexBenchmark

Sunil Singhania , Jahnvee Shah(Dedicated Fun d Manager for Overseas Investments)Fund Manager

Reliance Diversified Power Sector Fund - Retail Plan- Growth Inception date- 10/05/04


(i) Load Structure







Rs. 3654 Crs.

699498

Year 3 Years 5 yearsPeriod 1 Returns Since Inception

Scheme Returns % -11.41 2.27 18.78 32.66

India Power Index Returns % -15.67 -4.73 5.82 16.15

Quarterly AAUM

as on 31/03/2011


as on 29/04/2011

51.24

-30.56

51.20

1.36

78.72.

96.06

-35.78

82.92

16.06

110.18

-40.00

-30.00

-20.00-10.00

0.00

10.0020.00

30.00

40.0050.00

60.00

70.0080.00

90.00

100.00

110.00120.00

FY08-09

FY07-08FY06-07FY05-06 FY09-10


India Power IndexReliance Diversified Power Sector Fund

No of Folios as on

30th April 2011

For Reliance SIP Insure :redeemed or switched out or the SIP Insure is discontinued or it is defaulted before the maturity of committed SIP Insure tenure or befocompletion of 55yrs of age whichever is earlier as opted in the respective scheme either by the SIP-Insure unitholder or by the nominee, athe case may be. Upon completion of 55 years of age, if there are still balance unpaid SIP installments, those will be treated as Normal SIwith the relevant exit load as may be existing from time to time.Please refer to instructions cum Terms & Conditions for more details oReliance SIP Insure



13/30

KEY SCHEME FEATURES

Name of the Scheme


NilIn terms of SEBI circular no. SEBI/IMD/CIR No.4/ 1682 30/09 dated June 30, 200 9, no entry load will be charged by the Scheme to tinvestor effective August 1, 2009. Upfron t commission shall be paid directly by the investor to the AMFI registered Distributors baseon the investors' assessment of various factors including the service rendered by the distributor

For Lumpsum Investment & SIP without insurance cover : 1% if redeemed or switched out on or before completion of 1 year from the date of allotment of units. Nil if redeemed or switched out after completion of 1 year from the date of allotment of units

Rs. 1000 & in multiples of Re. 1 thereafter

Plans and Options

Entry Load

Exit Load

Calculation assume that all payouts during th e period have been re-investedin the units of the scheme at the then prevailing NAV. All the returns are of - Growth Plan - Growth Option

Reliance Media & Entertainment Fund(An Open ended Media & Entertainment sector Scheme)

The primary investment objective of the scheme is to generate continuous returns by investing in equity and equity related or fixed incomsecurities of Media & Entertainment and other associated companies

Asset Allocation Pattern Equity & Equity Related Instruments-0-100% & Debt & Money Instruments with Average Maturity of 5-10 y rs-0-100% (includupto 100% of the corpus in securitised Debt)

Market ea

A sector speci fic fund which focuses on investing in companies related to media & enter tainment sector.Differentiation

Risk Mitigation Factors Robust measures implemented to mitigate Risk include, adoption of internal policies on investments and valuations, rigorouprocedures for monitorin g investment restrictions and effective implementation of various norms prescribed by SEBI from time totime.

Investment Strategy The Fund will invest in equity securities whenever the equity market and shares from the media sector are expected to do well. Howevewhenever the equity market is not expected to do well, the Fund will shift its focus in debt, wh ich in extreme cases of bearish equity markcan go upto 100%.The proportion of investment between equity and debt will be decided based on the view of the fund manager on anticipated movement both debt as well as equity markets. The allocation between debt and equity will be decided based upon the prevailing market conditionmacroeconomic environment, the performance of the corporate sector, the equity market and other considerations.

Growth (Growth & Bonus) & Dividend (Payout & Reinvestment)

Rs 5000 & in multiples of Re. 1Minimum Application Amount

Minimum Additional

PurchaseAmount


S&P CNX Media & Entertainment IndexBenchmark

Sailesh Raj Bhan , Jahnvee Shah(Dedicated Fund Manager for Overseas Investments)Fund Manager

Reliance Media & Entertainment Fund -Growth Inception date - 07/10/04


(i) Load Structure



average weekly net assets) stated in Regulation 52(6) of SEBI (Mutual Funds ) Regulations, 1996. (i) On the first Rs. 100 crore - 2.50%; (ii) On thenext Rs. 300 crore - 2.25%; (iii) On the next Rs. 300 crore - 2.00; (iv) Balance 1.75%;Provided that such expenses shall be lesser by atleast 0.25% of the daily or average weekly net assets outstanding in each financialyear in respect of a scheme invest ing in bonds



Rs.77 Crs.

19322


Scheme Returns % -3.37 -2.73 5.61 16.23

S&B CNX Media & -1.57 -2.10 2.63 12.61

Entertainment Index Returns %

Quarterly AAUM

as on 31/03/2011


as on 29/04/2011

-80

-60

-40

-20

0

20

40

60

80

100

120

140

AbsoluteReturns(%)

29.02

-50.4

5.41

122.33

11.04

88.83

42.68

-59.13

FY 06-07 FY 07-08

FY 08-09

FY 09-10

Period

Reliance Media & Entertainment Fund- Growth S&P CNX Media & Entertainment Index


FY 10-11

-0.44 -2.66

No of Folios as on

30th April 2011





14/30

KEY SCHEME FEATURES

Name of the Scheme


Nil. In terms of SEBI circular no. SEBI/IMD/CIR No.4/ 16823 0/09 dated June 30, 2009, no entry load will be charged by the Schemethe investor effective August 1, 2009. Upfron t commission shall be paid directly by the investor to the AMFI registered Distributobased on the investors' assessment of various factors including th e service rendered by the distributor


Rs. 1000 & in multiples of Re 1 thereafter

Plans and Options

Entry Load

Exit Load


Reliance Pharma Fund(An open ended pharma sector scheme)

The primary investment objective of the scheme is to seek to generate consistent returns by investing in equity and equity related orfixed income securities of Pharma and other associated companies

Asset Allocation Pattern Equ ity & Equ ity Related Ins truments-0-100% & Debt & Money M Ins truments with Average Matur ity of 5-10y -0-100%

Instruments arketears ( including upto 100% of the corpus in securi ti sed Debt)

A dyn amic asset al locat ion sector fund which aims to generate consisten t retu rns by investing in la rge and mid cap compan iespread across all important segments of the pharmaceutical industry.

Differentiation

Risk Mitigation Factors Robust measures implemented to mitigate Risk include, adoption of internal policies on investments and valuations, rigorouprocedures for monitorin g investment restrictions and effective implementation of various norms prescribed by SEBI from time to time

Investment Strategy The fund under normal circumstances shall invest at least 65% of the value of its total net assets either debt o r equity securities in thPharma Sector and associated companies of said sector. The proportion of investment between equity and debt will be decidebased on the view of the fund manager on anticipated movement in both debt as well as equity markets. Th e Fund manager can alstake aggressive calls on the market by going upto 100% in equi ty or 100% in debt at any poin t of time or any other appropriate ratdepending upon his view. The allocation between debt and equity will be decided based upon the prevailing market conditionsmacroeconomic environment, the performance of the corporate sector, the equity market and other considerations.

Growth (Growth & Bonus) & Dividend (Payout & Reinvestment)

Rs. 5000 & in multiples of Re.1 thereafterMinimum Application Amount

Minimum Additional

PurchaseAmount


BSE Healthcare IndexBenchmark

Sailesh Raj Bhan , Jahnvee Shah(Dedicated Fun d Manager for Overseas Investments)Fund Manager

Reliance Pharma Fund - Growth Inception date- 08/06/2004


(i) Load Structure






Rs. 552 Crs.

67963


Scheme Returns % 14.69 32.37 21.55 28.39

BSE Health Care Returns % 17.91 13.62 9.85 15.97

Quarterly AAUM

as on 31/03/2011


as on 29/04/2011

1.47 10.1013.05

-40

-20

0

20

40

60

80

100

120

140

160

180

AbsoluteReturns(%)

11.4

88.27

154.12

-12.46

5.41

-26.45FY 06-07 FY 07-08

FY 08-09

FY 09-10


Period

BSE Health Care IndexReliance Pharma Fund- Growth

FY 10-11

-5.04

* Since Inception : 8th June 04

No of Folios as on

30th April 2011





15/30

KEY SCHEME FEATURES

Name of the Scheme


Nil. In terms of SEBI circular no. SEBI/IMD/CIR No.4/ 16823 0/09 dated June 30, 2009, no entry load will be charged by the Schemethe investor effective August 1, 2009. Upfron t commission shall be paid directly by the investor to the AMFI registered Distributobased on the investors' assessment of various factors including th e service rendered by the distributor

Rs. 00 & in multiples of thereafter5 Rs.500

Plans and Options

Entry Load

Exit Load


Reliance Tax Saver (ELSS) Fund(An Open ended Equity Linked Savings Scheme)

The primary objective of the scheme is to generate long-term capital appreciation from a portfolio that is invested predominan tlyin equity and equity related instruments

Asset Allocation Pattern Equity and Equity related securities 80-10 0% and Debt and Money Market Instrument 0 - 20%

The fund is an open ended equi ty linked savings scheme which gives dual advantage of tax savings & growth potential. It is a largcap orientation fund which aims at minimum 50% exposure to top 100 compan ies by market capitalization.

Differentiation

Risk Mitigation Factors Robust measures implemented to mitigate Risk include, adoption of internal policies on investments and valuations, rigorouprocedures for monitorin g investment restrictions and effective implementation o f various norms prescribed by SEBI from time ttime.

Investment Strategy The investments in the Scheme shall be in accordance with SEBI (Mutual Funds) Regulations, 1996 and Equity Linked SavinScheme, 2005 notified by Ministry of Finance (Department of Economic Affairs) vide Notifications dated November 3, 2005 anDecember 13, 2005. Th e fund managers will follow an active investment strategy taking defensive / aggressive postures dependinon opportun ities available at various points of time.

Growth (Growth) & Dividend (Payout& Reinvestment)

Rs. 500 & in multiples of Rs. 500 thereafterMinimum Application Amount

Minimum Additional

Purchase Amount


BSE 100Benchmark

Ashwani Kumar (Fund Manager), Viral Berawala (Assistant Fund Manager) , Jahnvee Shah(Ded icated Fund Manager for Overseas InvestmentFund Manager

Reliance Tax Saver (ELSS) Fund - Growth Inception date- 22/09/2005

(ii)Recurring Expenses

(i) Load Structure


The total expenses of the scheme including the investment management and advisory fee shall not exceed the limits (i.e. % of the daily oraverage weekly net assets) stated in Regulation 52(6) of SEBI (Mutual Funds) Regulations, 1996. (i) On the first Rs. 100 crore - 2.50%; (ii) On thenext Rs. 300 crore - 2.25%; (iii ) On the next Rs. 300 crore - 2.00; (iv) Balance 1.75%;Provided that such expenses shall be lesser by atleast 0.25% of the daily or average weekly net assets outstanding in each financialyear in respect of a scheme investing in bonds




Rs. 2071 Crs.

653294


Scheme Returns % 11.33 11.80 8.68 14.74

BSE100 Returns % 7.18 2.64 9.83 16.00

Quarterly AAUM

as on 31/03/2011


as on 29/04/2011


BSE100Reliance Tax Saver Fund - Growth

* Since Inception: 22nd September 2005

92.75

-30.71

5.49-0.37

88.17

-39.97

24.98

11.57

FY09-10

FY08-09

FY07-08FY06-07Percentage(%)

-45.00

-35.00

-25.00

-15.00

-5.00

5.00

15.00

25.00

35.00

45.00

55.00

65.00

75.00

85.00

95.00

FY10-11

12.88

8.55

No of Folios as on

30th April 2011

For Lumpsum Investment & SIP without insurance cover : Nil




16/30

KEY SCHEME FEATURES

Name of the Scheme


Nil. In terms of SEBI circular no. SEBI/IMD/CIR No.4 / 168230/09 dated Ju ne 30, 2009, no entry load will be charged by the Schemto the investor effective August 1, 2009. Upfront commission shall be paid directly by the investor to the AMFI registeredDistributors based on the investors' assessment of various factors includ ing the service rendered by the distributor


Rs. 1000/- and in multiples of Re. 1 thereafter

Plans and Options

Entry Load

Exit Load

Calculation assume that all payouts during th e period have been re-investedin the units of the scheme at the then prevailing NAV. All the returns are of Growth Plan - Growth Option

Reliance Long Term Equity Fund(An Open Ended Diversified Equity Scheme)

The primary investment objective of the scheme is to seek to generate long term capital appreciation & provide long-term growtopportunities by investing in a portfolio constituted of

kim cum appln form reliance sip insure

Documents