Key Information Memorandum and Application Form For Debt Schemes

World Trade Centre, Centre 1, 27th Floor,
Unit 1, Cuffe Parade, Mumbai 400 005
Key Information Memorandum and

Application Form for Debt Schemes
Offer of Units at NAV based prices plus applicable load, if any.
Debt Schemes
DBS Chola Triple Ace
DBS Chola Freedom Income Short Term Fund
DBS Chola Short Term Floating Rate Fund
DBS Chola Gilt Fund
DBS Chola Liquid Fund
DBS Chola Monthly Income Plan
(a scheme with no assured return)
DBS Chola Treasury Management Fund
SPONSOR INVESTMENT MANAGER

Cholamandalam DBS Finance Limited DBS Cholamandalam Asset Management Limited
Registered Office: ‘Dare House’, No. 2, N S C Bose Road, Chennai - 600 001 Registered Office:
‘Dare House’, No. 2, N S C Bose Road, Chennai - 600 001
TRUSTEE Head Office:
DBS Cholamandalam Trustees Limited World Trade Centre, Centre 1, 27th Floor, Unit 1,
Registered Office: ‘Dare House’, No. 2, N S C Bose Road, Chennai - 600 001 Cuffe Parade, Mumbai - 400 005
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, associate transactions etc., investors should, before investment, refer to the Offer Document
available free of cost at any of the Investor Service Centres or distributors or from the website www.dbscholamutualfund.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.
Investors are advised to consult their Legal, Tax, Finance and other Professional Advisors before making decision to invest in or redeem
the units, in regard to tax / legal issues relating to their investments in the Scheme(s) / Plan(s).
The date of this Key Information Memorandum is August 2, 2007.
RED CV ORANGE CV BLACK CV

Common KIM - DEBT cv
Blank
Name of Scheme DBS Chola Triple Ace DBS Chola Freedom Income Short Term Fund
Investment Objective The investment objective of the scheme would be to provide regular and stable income An Income Scheme with at least 80% investments in Fixed Income
to Unitholder. The corpus of the scheme would be invested primarily in debt market Securities with the objective of generating regular and stable income for
securities, such as non-convertible debentures, bonds issued by corporates, bank and the unitholders of the Scheme. The balance will be invested in money
government, commercial paper, certificates of deposit and other money market market instruments of high quality. The Scheme will not invest in equities
instruments. The scheme would invest predominantly in securities rated by the Credit or equity related instruments.
Rating and Information Services of India Ltd. (CRISIL), or any othe rating agency.
Asset Allocation Pattern Type of Instrument Allocation (% of Net Assets) Type of Instrument Allocation (% of Net Assets)
of the Scheme Debt & Government Securities (including cash / call money) 80-100 Debt Securities 80-100
Money Market instruments (including cash / call money) 0-20 Money Market instruments (including cash / call money) 0-100
Risk Profile of the Scheme Mutual Fund investments are subject to market risks. Please read the Offer Document carefully for details on risk factors before investment.
Plans and Options Plans Options Facility Plans Options Facility
Regular Quarterly Dividend, Semi-annually Dividend, Bonus Payout and Regular Monthly / Semi-annually Dividend and Cumulative* Payout and Reinvestment**
and Cumulative* Reinvestment** Institutional Weekly / Monthly Dividend and Cumulative* Payout and Reinvestment**
* If no option is specified at the time of application, the default option is Cumulative Option. DDRIP^ – Reinvestment
** If no facility is specified the default facility is dividend re-investment * If no option is specified at the time of application, the default option is Cumulative Option.
** If no facility is specified the default facility is dividend Re-investment
^ w.e.f. May 17, 2007 DDRIP - Daily Dividend Reinvestment Plan
Applicable NAV (after the scheme The applicable NAV for purchase or redemption or switching of units will be based on the time of the Business Day on which the application is accepted.
opens for repurchase and sale) Please refer to Page No. 5 for further details.
Minimum Application Purchase / Repurchase Minimum Amount Plans Purchase / Repurchase Minimum Amount
Amount (Under each First Purchase Rs. 2,000 and in multiples of Rs. 100/- Regular First Purchase Rs. 3,000 and in multiples of Rs. 100/-
Plan / Option) Additional Purchase Rs. 1,000 and in multiples of Rs. 100/-
Additional Purchase Rs. 1,000 and in multiples of Rs. 100/- Institutional First Purchase Rs. 10,00,000/-
Repurchase Rs. 500 or 50 units as the case may be Additional Purchase Rs. 1,00,000 and in multiples of Re. 1/-
Daily Dividend First Purchase Rs. 1,00,000 and in multiples of Re. 1/-
Reinvestment Plan Additional Purchase Rs. 5,000 and in multiples of Re. 1/- thereafter
Regular / Institutional Repurchase Rs. 500 or 50 units as the case may be
Despatch of repurchase Within 10 working days of the receipt of the redemption request at the official points of acceptance of DBS Chola Mutual Fund
(Redemption) request
Benchmark Index CRISIL Composite Bond Fund Index CRISIL Short Term Fund Index
Dividend Policy Please refer to Page No. 5 for details
Name of the Fund Manager Mr. Ashish Nigam
Name of the Trustee Company DBS Cholamandalam Trustees Ltd.
Performance of the Scheme Returns Data DBS Chola Freedom Income - Short Term Fund -
(As at March 31, 2007) Regular Plan - Cumulative Option Year-wise returns for the
Compounded Annualised Returns Scheme Returns % Benchmark Returns %* last 5 financial years
Returns Data
For the Last 1 year 3.35 3.72
Compounded Scheme Benchmark Scheme Returns
For the Last 3 years 2.01 2.39 Annualised Returns Returns Benchmark Returns
For the Last 5 years 5.20 5.31 Returns % %* 8.00 –
7.00 –
Since Inception (31/03/97) 9.25 – For the Last 1 year 6.81 5.68 6.00 –
For the Last 3 years 5.00 4.18 5.00 –
* CRISIL Composite Bond Fund Index is the Benchmark Index for the Scheme 4.00 –
Date of Inception is March 31, 1997
Since Inception 2.00 –
Year-wise returns for the last 5 financial years (08/03/02) 5.86 – 1.00 –
0.00 –
Scheme Returns Benchmark Returns * CRISIL Short Term Fund Index is the Benchmark Index for the Scheme. 31/03/06- 31/03/04- 31/03/02- 08/03/02-
31/03/07 31/03/07 31/03/07 31/03/07
10.00 – The data is available from 30th March, 2002
9.00 – Date of Inception is March 8, 2002
8.00 –
7.00 –
6.00 –
DBS Chola Freedom Income - Short Term Fund -
5.00 – Institutional Plan - Cumulative Option Year-wise returns for the
4.00 – last 3 financial years
3.00 – Returns Data
2.00 – Scheme Returns
1.00 –
Compounded Scheme Benchmark
Benchmark Returns
0.00 – Annualised Returns Returns
31/03/06- 31/03/04- 31/03/02- 31/03/97- 8.00 –
31/03/07 31/03/07 31/03/07 31/03/07
Returns % %* 7.00 –
For the Last 1 year 6.86 5.68 6.00 –
5.00 –
Since Inception 3.00 –
(10/04/03) 5.29 4.51 2.00 –
1.00 –
* CRISIL Short Term Fund Index is the Benchmark Index for the Scheme. 0.00 –
The data is available from 30th March, 2002 31/03/06- 31/03/04- 10/04/03-
31/03/07 31/03/07 31/03/07
Date of Inception is April 10, 2003. Hence 5 years returns are not available
Expenses of the Scheme Continuous Offer Period Continuous Offer Period
(i) Load Structure Investment Entry Load Exit Load Entry Load Exit Load
<= Rs. 10 Lakh NIL 0.5% if redeemed within 6 months NIL NIL
> Rs. 10 Lakh NIL NIL The Trustee reserves the right to change / modify the load structure from a prospective date.
The Trustee reserves the right to change / modify the load structure from a prospective date.
(ii) Actual Expenses for 06-07 Actual expenses for the scheme were Rs. 37.15 lacs amounting to 2.25% Actual expenses for the scheme were Rs. 25.15 lacs amounting to 0.55%
of Average Daily Net Assets for the financial year 2006-07. of Average Daily Net Assets for the financial year 2006-07
(iii) Recurring Expenses Net Assets % of weekly Average Net Assets
(% of weekly Average First Rs. 100 crores 2.25
Net Assets)
Next Rs. 300 crores 2.00
Balance 1.50
Tax Treatment for the Investors Please refer to Page No. 5 for details
Key Information Memorandum - DEBT SCHEMES 1
RED 1 ORANGE 1 BLACK 1

Name of Scheme DBS Chola Short Term Floating Rate Fund DBS Chola Gilt Fund
Investment Objective The primary objective of the Scheme is to generate regular income The investment objective of the Scheme will be to generate returns
through investment in a portfolio comprising substantially of from a portfolio from investments in Government Securities.
floating rate debt / money market instruments, fixed rate debt /
money market instruments swapped for floating rate returns, and
fixed rate debt securities, Government securities and money
market instruments.
Asset Allocation Pattern 50-100% - Floating rate debt, bank obligations and money market Type of Instrument Allocation
of the Scheme instruments swapped for floating rate returns. (% of Net Assets)
0-50% - Fixed rate debt, bank obligations and money market Government Securities 80-100
instruments (including floating rate instruments swapped for fixed Money Market Instruments (including cash / call
rate returns) money) 0-20
Plans and Options Options Facility Options Facility
Dividend Daily / Weekly / Monthly Dividend Quarterly
Cumulative* NIL Cumulative* NIL
* If no option is specified at the time of application, the default * If no option is specified at the time of application, the default option is
option is Cumulative Option. Cumulative Option.
Applicable NAV (after the scheme The applicable NAV for purchase or redemption or switching of units will be based on the time of the Business Day on which the
opens for repurchase and sale) application is accepted. Please refer to Page No. 5 for further details.
Minimum Application Purchase / Purchase /

Amount (Under each Repurchase Options Minimum Amount Repurchase Options Minimum Amount
Plan / Option) First Purchase Dividend / Rs. 5,000 and First Purchase Dividend / Rs. 10,000/- and
Cumulative in multiples of Rs. 1/- Cumulative in multiples of Re. 1/-
Additional Purchase Dividend / Rs. 1,000 and Additional Purchase Dividend / Rs. 1,000/- and
Cumulative in multiples of Re. 1/- Cumulative in multiples of Re. 1/-
Repurchase Dividend / Rs. 500/- or 50 units Repurchase Dividend / Rs. 500/- or 50 units
Cumulative as the case may be Cumulative as the case may be
Benchmark Index CRISIL Liquid Fund Index I-Sec Li-Bex Index
Performance of the Scheme Returns Data Returns Data
(As at March 31, 2007) Compounded Annualised Returns Scheme Returns % Benchmark Returns %* Compounded Annualised Returns Scheme Returns % Benchmark Returns %*
For the Last 1 year 7.24 6.37 For the Last 1 year 1.41 6.05
Since Inception (10/08/05) 6.76 5.80 For the Last 3 years 0.98 2.72
* CRISIL Liquid Fund Index is the Benchmark index for the Scheme. For the Last 5 years 6.17 –
Date of Inception is August 10, 2005 hence 3 and 5 years returns are not available Since Inception (02/05/00) 9.26 –
* I-Sec Li-Bex Index is the Benchmark index for the Scheme.
Date of Inception is May 2, 2000
Year-wise returns for the last 1 financial year Year-wise returns for the last 5 financial years
Scheme Returns Benchmark Returns Scheme Returns Benchmark Returns
10.00 –
9.00 –
9.00 –
8.00 – 8.00 –
7.00 – 7.00 –
6.00 – 6.00 –
5.00 – 5.00 –
4.00 – 4.00 –
3.00 – 3.00 –
2.00 – 2.00 –
1.00 – 1.00 –
0.00 –
0.00 – 31/03/06- 31/03/04- 31/03/02- 02/05/00-
31/03/06- 10/08/05- 31/03/07 31/03/07 31/03/07 31/03/07
31/03/07 31/03/07

(i) Load Structure Entry Load Exit Load Plan Entry Load Exit Load
NIL NIL Gilt Investment Plan NIL NIL
The Trustee reserves the right to change / modify the load structure from a prospective date. The Trustee reserves the right to change / modify the load structure from a prospective date.

Net Assets)
Balance 1.50
2 Key Information Memorandum - DEBT SCHEMES

Name of Scheme DBS Chola Liquid Fund
Investment Objective The investment objective will be to generate reasonable returns while maintaining safety and providing the investor superior liquidity.
To achieve this objective, investments will be predominantly made in a well-diversified and highly liquid portfolio of money market
instruments, government securities and corporate debt.
Asset Allocation Pattern Type of Instrument Allocation (% of Net Assets)
of the Scheme Debt Securities 0-100
Securitised Debt 0-100
Money Market instruments (including cash / call money) 20-100
Plans and Options Plans Options Facility
Regular Weekly Dividend and Cumulative* Payout and Reinvestment**
Institutional Plus Plan Weekly Dividend and Cumulative* Payout and Reinvestment**
Institutional Plan – Daily Dividend Re-investment
Super Institutional Plan Weekly Dividend and Cumulative* Payout and Reinvestment**
* If no option is specified at the time of application, the default option is Cumulative Option.
** If no facility is specified the default facility is dividend Re-investment
Minimum Application Plans Purchase Options Minimum Amount
Amount (Under each Regular First Purchase Dividend /Cumulative Rs. 10,000/- and in multiples of Re. 1/-
Plan / Option) Additional Purchase Dividend /Cumulative Rs. 5,000/- and in multiples of Re. 1/-
Institutional Plus Plan First Purchase Dividend /Cumulative Rs. 10,00,000/- and in multiples of Re. 1/-
Additional Purchase Dividend /Cumulative Rs. 1,00,000/- and in multiples of Re. 1/-
Institutional Plan - Daily First Purchase – Rs. 1,00,000/- and in multiples of Re. 1/-
Dividend Re-investment Plan Additional Purchase – Rs. 5,000/- and in multiples of Re. 1/-
Super Institutional Plan First Purchase Dividend /Cumulative Rs. 5/- crore and any amount thereafter
Additional Purchase Dividend /Cumulative Rs. 1,00,000/- and any amount thereafter
Benchmark Index CRISIL Liquid Fund Index
Performance of the Scheme DBS Chola Liquid Fund - DBS Chola Liquid Fund -
(As at March 31, 2007) Regular Plan - Cumulative Option Institutional Plus Plan - Cumulative Option
Returns Data Returns Data
Compounded Scheme Benchmark Compounded Scheme Benchmark
Annualised Returns Returns % Returns %* Annualised Returns Returns % Returns %*
For the Last 1 year 6.54 6.37 For the Last 1 year 6.66 6.37
For the Last 3 years 5.65 5.13 For the Last 3 years 5.76 5.13
For the Last 5 years 5.68 5.15 Since Inception
Since Inception (04/10/00) 6.53 – (10/04/03) 5.70 4.91
* CRISIL Liquid Fund Index is the Benchmark Index for the Scheme. * CRISIL Liquid Fund Index is the Benchmark Index for the Scheme.
The data is available only from 30th March, 2002 Date of Inception is April 10, 2003. Hence 5 years returns are not available.
Date of Inception is October 4, 2000
Year-wise returns for the last 5 financial years Year-wise returns for the last 3 financial years
Scheme Returns Benchmark Returns Scheme Returns Benchmark Returns
7.00 – 7.00 –
6.00 – 6.00 –
5.00 – 5.00 –
4.00 – 4.00 –
3.00 – 3.00 –
2.00 – 2.00 –
1.00 – 1.00 –
0.00 – 0.00 –
31/03/06- 31/03/04- 31/03/02- 04/10/00- 31/03/06- 31/03/04- 10/04/03-
31/03/07 31/03/07 31/03/07 31/03/07 31/03/07 31/03/07 31/03/07
DBS Chola Liquid Fund - Super Institutional Plan - Cumulative Option

Absolute Returns Scheme Benchmark Scheme Returns Benchmark Returns
Returns % Returns %* 6.00 –
5.00 –
Since Inception (03/10/06) 3.19 3.17 4.00 –
3.00 –
* CRISIL Liquid Fund Index is the Benchmark Index for the Scheme. 2.00 –
1.00 –
Date of Inception is October 3, 2006. Hence 1, 3, 5 years returns are not available. 0.00 –
03/10/06-31/03/07
Expenses of the Scheme Continuous Offer Period

(i) Load Structure Entry Load Exit Load
NIL NIL
(ii) Actual Expenses for 06-07 Actual expenses for the scheme were Rs. 322.27 lacs amounting to 0.31% of Average Daily Net Assets for the financial year 2006-07.
Net Assets) Next Rs. 300 crores 2.00
Balance 1.50

Name of Scheme DBS Chola Monthly Income Plan DBS Chola Treasury Management Fund
(a scheme with no assured returns)
Investment Objective The primary investment objective of DBS Chola Monthly Income The investment objective of the scheme will be to generate
Plan is to generate monthly income through investments in a reasonable returns while maintaining safety and providing the
range of Debt, Equity and Money Market Instruments. investor liquidity. To achieve this objective, investments will be
predominantly made in well diversified and highly liquid portfolio
of money market instruments, government securities and
corporate debt.
Asset Allocation Pattern Type of Instrument Allocation Type of Instrument Allocation
of the Scheme (% of Net Assets) (% of Net Assets)
Debt and Government Securities (including cash / call money) 80-100 Money Market Instruments (money at call, NCDs
Securitised Debt 0-40 with daily put & call option) 65-100
Equity & Equity related instruments 0-20 Debt Securities 0-35
Plans and Options Plans Options Plans Options
Regular Monthly / Quarterly dividend, Bonus and Cumulative* Regular Daily or Weekly* Dividend and Cumulative**
* If no option is specified at the time of application, the default option is * In case of daily or weekly dividend option the dividend amount will
Cumulative Option. compulsorily be reinvested
** If no option is specified at the time of application, the default option is
Cumulative Option.
Minimum Application Purchase / Repurchase Options Minimum Amount Purchase / Repurchase Options Minimum Amount
Amount (Under each First Purchase Dividend Rs. 10,000/- and First Purchase Dividend / Cumulative Rs. 5,000 and in multiples of Rs. 1/-
Plan / Option) in multiples of Rs. 1,000/- Additional Purchase Dividend / Cumulative Rs. 1,000 and in multiples of Re. 1/-
Additional Purchase Dividend Rs. 1,000/- and Repurchase Dividend / Cumulative Rs. 500 or 50 units as the case may be
in multiples of Re. 1/-
First Purchase Cumulative / Bonus Rs. 5,000/- and
in multiples of Rs. 1,000/-
Additional Purchase Cumulative / Bonus Rs. 1,000/- and
in multiples of Re. 1/-
Repurchase Dividend / Cumulative Rs. 500 or 50 units as
the case may be
Benchmark Index CRISIL MIP Blended Index CRISIL Liquid Fund Index
Name of the Fund Manager Mr. Ashish Nigam and Mr. R. Rajagopal Mr. Ashish Nigam
Performance of the Scheme Returns Data Returns Data
(As at March 31, 2007)
Compounded Annualised Returns Scheme Returns % Benchmark Returns %* Absolute Returns Scheme Returns % Benchmark Returns %*
For the Last 1 year 5.68 5.49 Since Inception (23/03/07) 0.40 0.21
For the Last 3 years 6.63 6.30 * CRISIL Liquid Fund Index is the Benchmark index for the Scheme.
Since Inception (31/07/03) 8.02 8.14 Date of Inception is March 23, 2007 hence 1, 3 and 5 years returns are not available
* CRISIL MIP Blended Index is the Benchmark index for the Scheme.
Date of Inception is July 31, 2003 hence 5 years returns are not available
Scheme Returns Benchmark Returns
Year-wise returns for the last 3 financial years
Scheme Returns Benchmark Returns 0.48 –
0.42 –
9.00 –
0.36 –
8.00 –
0.30 –
7.00 –
0.24 –
6.00 –
0.18 –
5.00 –
0.12 –
4.00 –
0.06 –
3.00 –
0.00 –
2.00 – 23/03/07-31/03/07
1.00 –
0.00 –
31/03/06- 31/03/05- 31/03/04- 31/07/03-
31/03/07 31/03/07 31/03/07 31/03/07

(i) Load Structure Investment Entry Load Exit Load Entry Load Exit Load
Upto and including Rs. 10 lakhs NIL 0.5% if redeemed within 6 months NIL NIL
Above Rs. 10 lakhs NIL NIL The Trustee reserves the right to change / modify the load structure from a prospective date.
Net Assets)
Balance 1.50

INFORMATION COMMON TO SCHEMES (AS APPLICABLE)
REDEMPTION FOR ALL SCHEMES
For all the schemes minimum amount for redemptions is either Rs. 500/- or 50 units as the case may be. The minimum redemptions amounts / units will not be applicable to
transactions under Systematic Investment Plan (SIP) - Systematic Withdrawal Plan (SWP) or Systematic Transfer Plan (STP)
APPLICABLE NAV & CUT OFF TIME
Applicable to Applicable NAV & Cut off Time
All the schemes except Purchases :
DBS Chola Liquid Fund, • In respect of valid applications received upto 3.00 p.m. on a day with a local cheque or DD payable at par at the
DBS Chola Short Term Floating Rate Fund and place where it is received, the same day’s NAV of receipt of application shall be applicable.
DBS Chola Treasury Management Fund • In respect of valid applications received after 3.00 p.m. on a day with a local cheque or DD payable at
par at the place where it is received, the closing NAV of the next Business Day shall be applicable.
• In respect of valid applications received with an outstation cheque or DD not payable at par at the place where
it is received, the closing NAV of the day on which the cheque or DD is credited shall be applicable.
Redemptions :
• In respect of valid applications received upto 3.00 p.m. on a day, the same day’s NAV of receipt of application shall be
applicable.
• In respect of valid applications received after 3.00 p.m. on a day, the closing NAV of the next Business Day shall be
applicable.
DBS Chola Liquid Fund, Purchases :
DBS Chola Short Term Floating Rate Fund and • In respect of valid applications received upto 12 noon on a day and funds are available for utilization on the same day,
DBS Chola Treasury Management Fund the closing NAV of the day of immediately preceding the day of receipt of application shall be applicable.
• In respect of valid applications received after 12 noon on a day and funds are available for utilization on the same day,
the closing NAV of the day of immediately preceding the next Business Day shall be applicable.
• Irrespective of the time of receipt of application, where the funds are not available for utilization on the day of the
application, the closing NAV of the day immediately preceding the day on which funds are available for utilization shall
be applicable.
Redemptions :
• In respect of valid applications received upto 3.00 p.m. on a day, the closing NAV of the day immediately preceding the
next Business Day shall be applicable.
• In respect of valid applications received after 3.00 p.m. on a day, the closing NAV of the next Business Day shall be
applicable.
DIVIDEND POLICY Act, 2007 and are available subject to relevant conditions. The information given is
The Trustees may approve the distribution of dividend by AMC out of net surplus included only for general purpose and is based on advise received by the AMC
under the respective plans. The remaining net surplus after considering the dividend regarding the law and practice currently in force in India and the Investors / Unit
tax, if any, payable thereon will be ploughed back in the Scheme and will be reflected holders should be aware that the relevant fiscal rules or their interpretation may
in the NAV. It should however be noted that actual distribution of dividends and the change. As is the case with any investment, there can be no guarantee that the tax
frequency of distribution in the fund are in accordance with terms of the offer position or the proposed tax position prevailing at the time of an investment in the
document and provisional entirely at the discretion of the Trustee. Investor has an Scheme will endure indefinitely. In view of the individual nature of tax consequences,
option of either receiving the dividend declared or re-investing the same in the scheme. each Investor / Unitholder is advised to consult his / her own professional tax advisor.
In case of monthly dividend payout facility for DBS Chola Short Term Floating Rate I) TAX IMPLICATIONS TO UNITHOLDERS:
Fund and in case of weekly dividend payout facility for DBS Chola Treasury A) Tax on income in respect of units
Management Fund, if the dividend entitlement is less than Rs. 250/- then such As per the provisions of Section 10(35) of the Act, income received in respect of
dividend will be reinvested in the scheme automatically. units of a mutual fund specified under Section 10(23D) of the Act is exempt from
Effect of Dividends income tax in the hands of the recipient unitholders.
When dividends are paid, the NAV will stand reduced by the amount of dividend B) Tax on Capital Gains
and dividend tax (if applicable) paid. To the extent, the entire net income and realized As per Section 2(42A) of the Act, units of the scheme held as a capital asset, for a
gains are not distributed, the same will remain invested in the scheme and will be period of more than 12 months immediately preceding the date of transfer, will be
reflected in the NAV. The NAV of the Cumulative Plan will not be affected by the treated as long-term capital assets for the computation of capital gains; in all other
payment of such dividend. cases, they would be treated as short-term capital assets.
Despatch of Dividend Long-term and short-term capital gains arising to unit holders from the transfer of
Wherever dividend is declared, the dividend warrants shall be despatched to the units of the Scheme, will be taxable at the following rates depending on whether
unitholders within 30 days of the declaration of the dividend. However, all efforts the units are long term capital assets or short term capital assets:
will be made to despatch the dividend warrants earlier. Dividends will be paid by Nature of income Tax rate
ECS Credit / Cheque / DD, net of taxes as may be applicable. Please note that it is
mandatory for Unitholders to mention their bank account numbers in their Short-term capital gains 30 per cent in case of Foreign Institutional
application. To safeguard the interest of unitholders from loss or theft of cheques, Investors ('FII') and normal rate applicable as per
the name of their bank, branch and account number as provided in the application the Income Tax Act in case of all other investors
form will be incorporated in the cheque. (including Foreign Companies).
Dividend payable only to first holder Long-term capital gains 20 per cent* with the cost inflation index benefit
or 10 per cent* without the cost inflation index
Dividend will be paid only in favour of the first named holder of the units. In case of
benefit, whichever is beneficial to the unitholder;
joint holding of units by two or more investors, the first holder shall receive the
10 per cent in case of FIIs, without the cost
dividend as and when declared.
inflation index benefit.
Unclaimed Dividend Amount
* plus surcharge @ 10% of the tax as applicable and education cess @ 2% of tax
Investors who claim their unclaimed dividend amount within three years from the plus surcharge and secondary and higher education cess @ 1% of tax plus surcharge
due date for payment of the dividend, it will be paid at the then prevailing NAV. as per the Income Tax Act. Additionally, in the case of non-resident investors, the
Subsequently, it will be paid at the NAV prevailing at the end of three years from due above rates would be subject to relief under the applicable Double Tax Avoidance
date for payment of dividend. There is no assurance or guarantee to unitholders as Agreement / Treaty.
to the rate of dividend distribution nor that dividends will be paid regularly. On
payment of dividends, the NAV will stand reduced by the amount of dividend and C) Disallowance of losses
dividend tax (if applicable) paid. (i) Sub-section 7 of Section 94 of the Act provides that losses, if any, arising from
the sale / transfer of units (including redemption) purchased up to 3 months
TAXATION - APPLICABLE TO DEBT SCHEMES prior to the record date (for entitlement of dividends) and sold within 9 months
(As per laws currently in force - based on the proposals contained in Finance Act, after such date, will be disallowed to the extent of income distribution (excluding
2007) redemptions) on such units claimed as tax exempt by the unitholder.
The Income-tax benefits described in this document are as available under the present (ii) Additionally, sub-section 8 of Section 94 of the Act provides that in case of
Income-tax Act, 1961 (the Act) as amended by the provisions contained in the Finance units purchased within a period of 3 months prior to the record date (for

entitlement of bonus) and sold / transferred (including redeemed) within 9 • At 14.1625 per cent (including a surcharge of 10 per cent and an additional
months after such date, the loss arising on transfer of original units shall be surcharge by way of education cess of 2 per cent and secondary and higher
ignored for the purpose of computing the income chargeable to tax if all or any education cess of 1 per cent on the amount of tax plus surcharge) on income
of the bonus units are continued to be held by the unitholder. The loss so distributed to individuals and HUFs by other funds; and
ignored shall be treated as cost of acquisition of such bonus units. • At 22.66 per cent (including a surcharge of 10 per cent and an additional
D) Tax deducted at source surcharge by way of education cess of 2 per cent and secondary and higher
education cess of 1 per cent on the amount of tax plus surcharge) on income
Income in respect of units distributed by other funds to persons other than individuals and HUFs, for
As per the proviso to Section 196A(1) of the Act, no tax shall be deducted at source instance, corporates.
from any income credited or paid to non-resident unitholders in respect of units of a III) GIFT TAX
mutual fund specified under Section 10(23D) of the Act.
The Gift-tax Act, 1958, has ceased to apply to gifts made on or after 1st October
Capital gains 1998. Gifts of Units, purchased under the Scheme, would therefore, be exempt
1. As per the provisions of Section 194K of the Act, no tax should be withheld or from gift-tax.
deducted at source, where any income is credited or paid by a mutual fund.
IV) WEALTH TAX BENEFITS
2. Further, no tax is required to be deducted at source from capital gains arising at
the time of repurchase or redemption of the units. Units of a mutual fund are not to be treated as assets as defined under Section 2(ea)
of the Wealth-Tax Act, 1957 and hence will not be liable to wealth-tax.
3. As per the provisions of Section 195 of the Act, tax is required to be deducted
at source from the redemption proceeds paid to investors. DAILY NET ASSET VALUE (NAV) PUBLICATION
4. The rate of withholding for short-term capital gains would be 30 per cent (plus The NAV will be declared on all business days and will be published in 2 newspapers.
surcharge and education cess as applicable) and for long-term capital gains NAV can also be viewed on www.dbscholamutualfund.com and
would be 20 per cent (plus surcharge and education cess and secondary and www.amfiindia.com. Investors may also contact any of the Investor Service Centres
higher education cess as applicable) if the payee is an Non-Resident Indian of DBS Chola Mutual Fund.
('NRI') / Person of Indian Origin ('PIO') or a foreign company. However, no
capital gains tax would be withheld from proceeds paid to NRIs / PIOs from
FOR INVESTOR GRIEVANCES
long-term capital gains arising out of redemption of units held in an equity Please Contact:
oriented mutual fund. The rate of withholding tax for short-term capital gains Registrar
earned by a Foreign Company would be 40 per cent (plus surcharge and Computer Age Management Services Pvt. Ltd.
education cess and secondary and higher education cess as applicable). Unit : DBS Chola Mutual Fund
5. No tax would be deductible at source from the capital gains (whether long- 1st Floor, 178/10, Kodambakkam High Road, Opposite Hotel Palmgrove,
term or short-term) arising to an FII on repurchase / redemption of units in view Chennai - 600 034. Tel.: 044-2828 5501 / 502 / 663 Fax : 044-2828 3614
of the provisions of Section 196D(2) of the Act.
DBS Chola Mutual Fund
6. The above rates would be subject to relief under the applicable Double Tax B. John Vijayan
Avoidance Agreement / Treaty in case of non-resident unit holders. Investor Grievance Officer
II) TAX IMPLICATIONS TO MUTUAL FUND DBS Cholamandalam Asset Management Ltd.
Flat No. 10, 3rd Floor, Kasturi Bldg, Jamshedji Tata Road,
The DBS Chola Mutual Fund is registered with SEBI and as such, the entire income of Opp H.P. House, Churchgate - 400 020.
the Fund is exempt from income tax under Section 10(23D) of the Act. In view of Tel.: (022) 6610 4941 Fax : (022) 2202 1123
the provisions of Section 196(iv) of the Act, no income tax is deductible at source on Website : www.dbscholamutualfund.com or
the income earned by the mutual fund. any of the Investor Services Centres of DBS Chola Mutual Fund
Dividend Distribution tax
UNIT HOLDER’S INFORMATION
As per Section 115R of the Act, dividend distribution tax is payable as follows: Account statement(s) for each transaction and annual financial results shall be
Debt funds are liable to pay dividend distribution tax as follows: provided to investors by post or by e-mail (on receipt of the unit holder's consent).
• At 28.325 per cent (including a surcharge of 10 per cent and an additional Half yearly Scheme portfolio will be either sent by post to the unit holders or published
surcharge by way of education cess of 2 per cent and secondary and higher in the newspapers as prescribed under the SEBI (Mutual Funds) Regulations, 1996.
education cess of 1 per cent on the amount of tax plus surcharge) on income
distributed to unitholders of Money Market Mutual Fund and Liquid Fund. Date : August 2, 2007
FACILITIES OFFERED
SYSTEMATIC INVESTMENT PLAN (SIP) Business Day
If any of the dates mentioned above is not a Business Day, then the immediately following Business Day will be
The unitholders under the Schemes can avail the facility of Systematic Investment Plan (SIP) by investing specified considered as the date on which cheques will be presented to the bank.
amount(s) at regular intervals for a continuous period. The investment made under SIP shall be made to purchase
the additional units at NAV based prices. SIP facility is available for DBS Chola Triple Ace, DBS Chola Monthly LOAD STRUCTURE UNDER SIP
Income Plan (MIP) and DBS Chola Gilt Fund -Investment Plan. Scheme Name Entry Load Exit Load
TERMS OF SIP 1. DBS Chola Triple Ace NIL 0.50% for an investment < = Rs.10 Lakh
Minimum Investment (if redeemed within 6 months)
• At least 6 cheques for an equal amount of Rs. 1000/- or more for all schemes. NIL for an investment > Rs. 10 Lakh
Investment Interval 2. DBS Chola Monthly Income Plan (MIP) NIL 0.50% for an investment < = Rs.10 Lakh
Investors can invest at Monthly interval by submitting post-dated cheques. All cheques should be for the same (an open-ended income scheme (if redeemed within 6 months)
amount. with no assured return) NIL for an investment > Rs. 10 Lakh
Date of Cheques
All SIP cheques (except the first one) must be uniformly dated 5th, 15th or 25th of a month. 3. DBS Chola Gilt Fund- Investment Plan NIL NIL
Maximum Period of Investment Note : The AMC reserves the right to reintroduce the entry load through issue of a notice at its investor service
• In case of post-dated cheques - 3 years from the date of investment. centres / distributor offices.
• In case of Auto Debit facility - 25 years from the date of investment
Payment details SYSTEMATIC WITHDRAWAL PLAN (SWP)
• All cheques should be drawn in favour of the Scheme Name e.g. DBS Chola Triple Ace Fund.
• All cheques should be crossed “Account Payee Only”. The unitholders under the schemes can avail this facility by withdrawing specified amount(s) from their account(s)
at periodic intervals.
• The cheques must be payable at the centre where the applications are submitted.
Allotment of Units TERMS OF SWP
• The post-dated cheques / drafts will be presented on the dates mentioned on the cheques and subject to their Periodicity
realisation; units will be allotted at the applicable Purchase Price. Monthly : 5th, 15th or 25th of each month. If any of the dates mentioned above is not a Business Day, then the
Note : If any cheque is dated other than any of the dates mentioned above, the cheque will be presented to the immediately following Business Day will be the date on which redemption will be considered.
bank only on the immediately following value date, namely, 5th or 15th or 25th of the month and units will be SWP Options
allotted accordingly. • Fixed amount withdrawal : A minimum fixed amount of Rs. 500/- and equal amount thereafter can be
Confirmation Letter withdrawn subject to having minimum account balance as applicable in the scheme at the time of opting for
On receipt of the post-dated cheques, confirmation letter will be sent by the Registrar to Unitholders confirming the plan.
investor’s inclusion under SIP. • Capital appreciation withdrawal : Capital appreciation can be withdrawn subject to maintenance of minimum
Investor Rights account balance of Rs. 10,000/- in the Scheme.
An investor can discontinue or terminate the SIP facility by giving 14 day(s) prior notice to the Registrar, in which Applicability
case the unencashed cheques / drafts will be returned to the investor. SWP is applicable only for Cumulative Option of respective schemes / plans.

FACILITIES OFFERED (Contd...)
Redemption of Units Balance as on the date of opting for the STP would be considered as principal amount and any capital appreciation
The amount thus withdrawn by redemption will be converted into Units at Applicable NAV based prices and the over that is considered for transfer under this option.
number of Units so arrived at will be subtracted from the Units balance to the credit of that Unitholder. Minimum Application Size
Redemption Cheque Minimum Application size for any of the schemes available under STP will NOT BE APPLICABLE in case of transfer
Normally, the redemption cheque will be dispatched to the unitholders within 3 Business Days of the value date. under STP.
Investor Rights LOAD STRUCTURE UNDER STP
• Unitholder may change the amount indicated in the SWP, subject of the minimum amounts mentioned above. Scheme Name Entry Load Exit Load
• The SWP may be terminated on a written notice by a Unitholder of the Scheme and it will terminate automatically
if all Units are liquidated or withdrawn from the account or upon the Funds receipt of notification of death or 1. DBS Chola Growth Fund 2.25% for an investment 1.00% for an investment < Rs. 3 crore
2. DBS Chola Midcap Fund < Rs. 3 crore (If redeemed with in 6 months)
incapacity of the Unitholder. 3. DBS Chola Opportunities Fund NIL for an investment 0.50% for an investment
Business Day 4. DBS Chola Multi-Cap Fund > = Rs. 3 crore > = Rs. 3 crore < Rs. 5 crore
If any of the dates mentioned above is not a Business Day, then the immediately following Business Day will be the 5. DBS Chola Contra Fund (if redeemed within 6 months)
date on which redemption will be considered. NIL for an investment > = Rs. 5 crore
Minimum Account Balance
The Fund may close a Unitholder’s account if the balance falls below Rs. 1,000 and the investor fails to invest 6. DBS Chola Global Advantage Fund 2.25% for an investment NIL
sufficient funds to bring the value of the account up to Rs. 1,000 within 30 days, after a written intimation in this < Rs. 3 crore
regard is sent to the Unitholder. NIL for an investment
> = Rs. 3 crore
Termination of SWP
Unitholders may change the amount indicated in the SWP, subject to the minimum amounts mentioned above. The 7. DBS Chola Tax Saver Fund 2.25% for an investment NIL
SWP may be terminate on a written notice by a Unitholder of the Scheme and it will terminate automatically if all < Rs. 25 lacs
Units are liquidated or withdrawn from the account or upon the Funds receipt of notification of death or incapacity NIL for an investment
of the Unitholder. > = Rs. 25 lacs
8. DBS Chola Hedged Equity Fund 2.50% for an investment 1.00% for an investment < Rs. 3 crore
SYSTEMATIC TRANSFER PLAN (STP) < Rs. 3 crore (if redeemed within 6 months)
Unitholders may choose to transfer investments on periodical basis, (monthly or quarterly) from one scheme to NIL for an investment 0.50% for an investment
another scheme. > = Rs. 3 crore > = Rs. 3 crore < Rs. 5 crore
Details of STP facility are as under : (if redeemed within 6 months)
From any of the following Schemes To any of the following Schemes NIL for an investment >=Rs. 5 crore
DBS Chola Liquid Fund DBS Chola Growth Fund Scheme Name Entry Load Exit Load
DBS Chola Freedom Income - Short Term Fund DBS Chola Global Advantage Fund 1. DBS Chola Triple Ace
DBS Chola Short Term Floating Rate Fund DBS Chola Multi-Cap Fund 2. DBS Chola Monthly Income Plan (MIP) NIL If redeemed within 6 months - 0.50%
DBS Chola Midcap Fund an open-ended income scheme with no If redeemed after 6 months - NIL
DBS Chola Opportunities Fund assured return)
DBS Chola Contra Fund
DBS Chola Monthly Income Plan (MIP) Note : Exit Load, if any, will be applied to the schemes as stated under respective schemes details.
DBS Chola Triple Ace (CTA) Switches from DBS Chola Liquid Scheme to any DBS Chola Equity Schemes
DBS Chola Tax Saver Fund
DBS Chola Hedged Equity Fund Unit holders will have the option to switch all or part of their investment from DBS Chola Liquid Scheme to any of
the equity schemes of DBS Chola Mutual Fund viz. DBS Chola Growth Fund, DBS Chola Midcap Fund, DBS Chola
From any of the following Schemes To any of the following Schemes Multi-Cap Fund, DBS Chola Global Advantage Fund, DBS Chola Opportunities Fund, DBS Chola Contra Fund and
DBS Chola Tax Saver Fund at the prevailing NAV with an entry load of 2.25% and DBS Chola Hedged Equity Fund
DBS Chola Monthly Income Plan DBS Chola Growth Fund at the prevailing NAV with an entry load of 2.50% irrespective of the amount of switch transaction.
DBS Chola Midcap Fund
DBS Chola Opportunities Fund The switch will be effected by way of redemption of units of DBS Chola Liquid Scheme and the redemption
DBS Chola Multi-Cap Fund proceeds will be reinvested in the other equity scheme(s) selected by the unit holder at the prevailing terms of the
DBS Chola Global Advantage Fund scheme to which the switch is taking place. All other terms and conditions presently governing switch transactions
DBS Chola Tax Saver Fund shall apply.
DBS Chola Contra Fund ACCOUNT STATEMENT
DBS Chola Hedged Equity Fund
As per SEBI circular dated November 20, 2006, first account statement will be issued to the unitholders within 10
OTHER TERMS OF STP working days of the allotment of units.
Periodicity Subsequent account statements will be despatched to the unit holders once every quarter ending March, June,
STP facility can be availed on a Monthly or Quarterly basis on 5th, 15th or 25th of a month. If these dates fall on September and December within 10 working days of the end of the respective quarter.
non-business days then the immediate succeeding business day will be considered for STP. In case of specific request received from unitholders, the Fund will provide the account statement to the unitholders
Transfer Options within 5 working days from the receipt of such request without any charges. This does not apply to unitholders
• Fixed Amount : A minimum fixed amount of Rs. 1,000/- can be transferred subject to availability of a minimum who have requested for account statements through e-mail, which will continue to be mailed to the unitholders to
account balance of Rs. 25,000/- in the transferor scheme at the point of initialization of STP. their e-mail addresses as mandated by the unitholders.
• Capital Appreciation : A minimum capital appreciation of Rs. 1,000/- in the transferor’s scheme can be Note : An investor cannot simultaneously participate in SIP / STP and SWP in the same Scheme.
transferred subject to maintenance of a minimum account balance of Rs. 25,000/- in the transferor scheme.
GENERAL INFORMATION & INSTRUCTIONS

A. General Instructions ARN No. and Seal) by the distributor/broker through whom transaction is done or by a bank manager
Please read the Key Information Memorandum and the terms of the Offer Documents of the respective or by judicial authority or if the transaction is done directly at the office of the DBS Chola Mutual Fund
Scheme(s) carefully before making an investment decision and filling up the Application Form. Investors or at Investor Service Centers / Transaction points of CAMS (Registrar), the original PAN card may be
should make themselves aware of the load structure on the date of submitting the Application Form. produced for verification. Furnishing a copy of PAN card is mandatory with effect from January 1,
Investors are deemed to have accepted the terms of subject to which these offers are being made and 2008.
bind themselves to the terms upon signing the Application Form and tendering payment for investment. Transactions by unit holders/investors who fail to submit copy of PAN or evidence of having applied
for PAN as explained above are liable to be rejected.
Manner of filling Application Form
Application must be completed in BLOCK LETTERS in ENGLISH. Please tick in appropriate box for C. KNOW YOUR CUSTOMER
relevant options wherever applicable. Signatures should be in English or in any Indian language. Know Your Customer (KYC)" policy is applicable for the prevention of money laundering. As per the
Thumb impressions must be attested by a Magistrate / Notary Public under his / her official seal. provisions of SEBI Guidelines, mutual funds have to follow enhanced Know Your Clients (KYC)
Submission of Application : Duly completed applications along with full payment must be remitted procedure.
at the designed Collection Banks or may be routed through Agents of DBS Chola Mutual Fund. Investors investing Rs. 50000/- or more will have to obtain a letter from CVL (CDSL Ventures Limited)
Note : Kindly retain the acknowledgement slip initialled / stamped by the collecting authority. confirming that the KYC requirements have been complied with. The said letter will be issued by CVL
based on the following:
B. PAN Details (PAN Mandatory for all investments) (i) Photo, (ii) Proof of Identity, (iii) Proof of Address (iv) Copy of PAN Card (v) Information with regard
As per SEBI Circular dated April 27, 2007, Permanent Account Number (PAN) has been made the sole to financial status and other demographic details (vi) Any other information and/or documentation to
identification number for all participants transacting in the securities market, irrespective of the amount establish identity of any unit holder
of transaction, effective July 02, 2007. SEBI has further clarified that the existing and potential investors A common application form (MAF) has been designed for this purpose. You may please obtain a
who do not have PAN, should apply for PAN immediately and furnish evidence of having applied for copy of this form, from our website www.dbscholamutualfund.com.
PAN while transacting in securities market until December 31, 2007. The AMC, under powers delegated by the Trustee, shall have absolute discretion to reject any
In view of the above, with effect from July 2, 2007, it is mandatory for all existing and prospective application, prevent further transactions by a unit holder, if after due diligence, the investor / unit
investors (including joint holders, guardians of minors and NRIs) investing any amount less than holder / a person making the payment on behalf of the investor does not fulfill the requirements of
Rs. 50000 to enclose a copy of PAN card or a copy of the evidence of having applied for PAN Card the KYC policy or the AMC believes that the transaction is suspicious in nature with regard to money
(acknowledgment copy of Form 49A) to the application for investing in mutual fund schemes. In case laundering.
the amount of investment is Rs. 50000 or more in case of non availability of PAN, acknowledgment The Scheme will adhere to such guidelines / procedures as may be issued by AMFI / any other regulatory
copy of Form 49A (evidence of having applied for PAN) along with a declaration in Form 60/61 with authority in this regard from time to time.
address proof should be attached. The copy of the PAN card as required above shall be attested (with Note : Applications not complying with the above shall be rejected.

GENERAL INFORMATION & INSTRUCTIONS (Contd...)
D. BANK ACCOUNT DETAILS Redemption by NRIs / FIIs
As per current SEBI Regulations, it is mandatory for the unitholders to specify their complete bank Units held by an NRI and FIIs (Subject to applicable regulations) may be redeemed by such investor in
details in the application for subscription or redemption of units. accordance with the procedure described above and subject to any procedures laid down by RBI.
Note : Applications without complete bank details shall be rejected. Such redemption proceeds will be paid by means of a Rupee cheque payable to NRIs / FIIs subject to
RBI procedures and approvals, and subject to deduction of tax at source, as applicable.
E. NOMINATION III. Application under Power of Attorney / Body Corporate / Registered Society / Trust /
An option is provided to the unitholder to nominate a person in whom the units held by him shall vest Partnership
in the event of death. Where the units are held by more than one person jointly, the joint holders may In case of an application under Power of Attorney or by a limited company, Body Corporate, registered
together nominate a person in whom all the rights in a unit shall vest in the event of death of all the society, trust, or partnership, etc. the relevant Power of Attorney or the relevant resolution or authority
joint unitholders. to make the application as the case may be, or duly certified copy thereof, along with the memorandum
and articles of association / bye-laws must be lodged at the Registrar’s Office within seven days from
F. MODE OF PAYMENT the date of close of the Initial Offer Period and within 30 days of investment on an ongoing basis.
I. Resident Investors The Power of Attorney should necessarily be signed by both the investor and the constituent Power
of Attorney.
a) Payment must be made by cheque or bank draft on any bank which is situated at and is a
member of the Bankers Clearing House located at the place where the application is submitted. G. DOCUMENTATION
b) Outstation cheques / drafts and Non-MICR cheques will not be accepted and applications The application form must be accompanied by the following original documents or true copies thereof
accompanied by such cheques / drafts will be rejected. Certified by Company Secretary / Director / Managing Trustee / Notary Public / Active Partner or
authorized persons :
c) All cheques and bank drafts must be drawn in favour of the respective scheme name and
crossed “Account Payee only”. A separate cheque or bank draft must accompany each Documents Companies Trusts Societies Partnership FIIs Investments
Firms through
application.
Constituted
d) Applications located in a place where there is no designated bank branch, may send their Attorney
application, accompanied by a separate “Account Payee only” demand draft in favour of the 1. Resolution /
respective scheme at the following address : Authorisation to invest 3 3 3 3 3
DBS Cholamandalam Asset Management Ltd., World Trade Centre, Centre One, 27th Floor, 2. List of Authorised
Unit 1, Cuffe Parade, Mumbai 400 005, India. Such investors may recover bank charges for the Signatories with
demand draft (as may be specified by AMFI / SEBI from time to time) from the scheme by way Specimen Signature(s) 3 3 3 3 3 3
of deduction from the amount of investment. 3. Memorandum & Articles
e) All demand drafts should be payable at Mumbai. of Association 3
f) In case of applications made by a demand draft, the demand draft charges may be deducted 4. Trust Deed 3
from the amount to invested. However, SBI DD charges will be treated as standard DD charges 5. Bye-Laws 3
for ascertaining the quantum of DD charges. In case after applying the DD charges based on 6. Partnership Deed 3
standard SBI DD charges, the amount of investment is below the minimum application amount, 7. Overseas Auditor's
the application may be rejected. Certificate 3
g) Any request for refund of demand draft charges will not be entertained. 8. Notarised Power
of Attorney 3
h) Investors are advised in their own interest to send the applications by registered post only.
9. Proof of PAN 3 3 3 3 3 3
II. NRIs / FIIs
Rejection of Application
Repatriation basis : In case of NRIs and Persons of Indian origin residing abroad, payment may be Applications not complete in any respect are liable to be rejected. The investors should specify in the
made by way of Indian Rupee drafts purchased abroad and payable at Mumbai or by way of cheques application whether they are investing under dividend (regular) option or cumulative option. Please note
drawn on Non-Resident (External) (NRE) Accounts payable at par at Mumbai. Payments can also be that if no option is specified, then the amount will be treated as invested in cumulative option.
made by means of rupee drafts payable at Mumbai - and purchased out of funds held in NRE Accounts /
FCNR Accounts. H. DISCLOSURE
The Fund will disclose details of the investors A/c and all his transactions to the intermediaries whose
All cheques / drafts should be made out in favour of the respective scheme / plan name for example stamp appears on the application form. In addition, the fund shall disclose details as necessary to the
“DBS Chola Liquid Fund” and crossed “Account Payee only”. In case Indian Rupee drafts are purchased investor’s bankers for the purpose of effecting payments to the investors.
abroad or from FCNR / NRE A/c. an account debit certificate from the Bank issuing the draft confirming
the debit shall also be enclosed. I. E-MAIL COMMUNICATION
Unitholders who have opted to receive account statements by e-mail are deemed to be aware of all
Non-Repatriation basis : In case of NRIs / Persons of Indian Origin applying for Units on a non-
security risks. Should the unitholder experience any difficulty accessing the electronically delivered
repatriation basis, payments may be made by cheques / demand drafts drawn out of Non-Resident documents, the unitholder shall promptly advise the Mutual Fund to enable the Fund to make delivery
Ordinary (NRO) accounts payable at the city where the Application Form is accepted. through alternate means.
READY RECKONER FOR DEBT SCHEMES

Scheme Plan Option Minimum Application Amount Default Option / Facility
DBS Chola Triple Ace Regular Quarterly Dividend, Semi-annually First Purchase Rs. 2,000 and in multiples of Rs 100 Cumulative /
Dividend, Bonus and Cumulative Additional Purchase Rs. 1,000 and in multiples of Rs 100 Dividend Reinvestment
DBS Chola Freedom Regular Monthly Dividend, Semi-annually First Purchase Rs. 3,000 and in multiples of Rs 100 Cumulative /
Income Short Term Fund Dividend and Cumulative Additional Purchase Rs. 1,000 and in multiples of Rs 100 Dividend Reinvestment
Institutional Weekly Dividend, Monthly Dividend First Purchase Rs. 10,00,000 Cumulative /
and Cumulative Additional Purchase Rs. 1,00,000 and in multiples of Re 1 Dividend Reinvestment
Daily Dividend First Purchase Rs. 1,00,000 and in multiples of Re 1 Dividend Reinvestment
Reinvestment Plan Additional Purchase Rs. 5,000 and in multiples of Re1
DBS Chola Short Term Daily Dividend, Weekly Dividend, First Purchase Rs. 5,000 and in multiples of Re 1 Cumulative /
Floating Rate Fund Monthly Dividend and Cumulative Additional Purchase Rs. 1,000and in multiples of Re 1 Dividend Reinvestment
DBS Chola Gilt Fund Gilt Investment Quarterly Dividend and Cumulative First Purchase Rs. 10,000 and in multiples of Re 1 Cumulative /
Additional Purchase Rs. 1,000 and in multiples of Re 1 Dividend Reinvestment
DBS Chola Liquid Fund Regular Weekly Dividend and Cumulative First Purchase Rs. 10,000 and in multiples of Re 1 Cumulative /
Additional Purchase Rs. 5,000 and in multiples of Re 1 Dividend Reinvestment
Institutional Plus Weekly Dividend and Cumulative First Purchase Rs. 10,00,000 and in multiples of Re 1 Cumulative /
Additional Purchase Rs. 1,00,000 and in multiples of Re 1 Dividend Reinvestment
Institutional -DDRIP First Purchase Rs. 1,00,000 and in multiples of Re 1 Dividend Reinvestment
Additional Purchase Rs. 5,000 and in multiples of Re 1
Super Institutional Weekly Dividend / Cumulative First Purchase Rs. 5,00,00,000 and in any amount thereafter Cumulative /
Additional Purchase Rs. 1,00,000 and in any amount thereafter Dividend Reinvestment
DBS Chola Monthly Regular Monthly Dividend and First Purchase Rs. 10,000 and in multiples of Rs. 1,000 Cumulative /
Income Plan Quarterly Dividend Additional Purchase Rs. 1,000 and in multiples of Re 1 Dividend Reinvestment
Regular Cumulative and Bonus First Purchase Rs. 5,000 and in multiples of Rs. 1,000 Cumulative
Additional Purchase Rs. 1,000 and in multiples of Re 1
DBS Chola Treasury Regular Daily Dividend, Weekly Dividend First Purchase Rs. 5,000 and in multiples of Re 1 Cumulative /
Management Fund and Cumulative Additional Purchase Rs. 1,000 and in multiples of Re 1 Dividend Reinvestment

Application Form
for Debt Schemes
For Lump Sum Investment
(Do not use this Form for SIP Investments)
Please read instructions before filling the Form
DBS Chola Triple Ace DBS Chola Freedom Income Short Term Fund
DBS Chola Gilt Fund DBS Chola Short Term Floating Rate Fund Application No.:
DBS Chola Liquid Fund DBS Chola Treasury Management Fund
DISTRIBUTOR INFORMATION FOR OFFICE USE ONLY
(Only empanelled Distributors / Brokers will be permitted to distribute Units)
Distributor / Broker ARN Sub-Broker Code
ARN - 15545
1 EXISTING UNIT HOLDER INFORMATION (Please fill in your Folio No. below. Please furnish PAN details in Section 2 and then proceed to section 3)
Folio Name of Sole /
No. First Unit Holder
2 APPLICANT'S PERSONAL DETAILS (Please fill in Block Letters use one box for one alphabet leaving one box blank between two words)
First / Sole Applicant Gender (please 3) Male Female Date of Birth D D M M Y Y Y Y
Name Mr. Ms. M/s.
PAN* Enclosed copy of (please 3) PAN proof OR Form 60 Form 61 Form 49A
Guardian (if Sole / First applicant is a Minor) Contact Person (in case of Non-individual Investors only) Gender (please 3) Male Female
Name Mr. Ms. M/s.
Enclosed copy of (please 3)
Date of Birth D D M M Y Y Y Y PAN*
PAN proof OR Form 60 Form 61 Form 49A
(PAN not required for contact person)
Nationality Country of Residence
Address for Correspondence [P.O. Box Address is not sufficient]
City Pin Code

State Country
Contact Details
Phone O Extn. Fax
Phone R Mobile
I/We wish to receive updates via SMS on my mobile (Please 3)
e-mail
Overseas Address (Mandatory in case of NRI / FII applicant in addition to mailing address)
City
State Country Zip Code
Status (please 4) Individual Partnership Company Society / Club HUF NRI / FII Trust Minor Body Corporate Others ____________________
Occupation of Sole / First Applicant (please 4) Private Sector Service Public Sector / Government Service Business Professional
Agriculturist Retired Housewife Student Forex Dealer Others (Please specify) _______________________________
Second Applicant Gender (please 3) Male Female Date of Birth D D M M Y Y Y Y

Name Mr. Ms. M/s.
Third Applicant Gender (please 3) Male Female Date of Birth D D M M Y Y Y Y

Name Mr. Ms. M/s.
Mode of Holding (please 4) Single OR Joint OR Anyone or Survivor
PoA Holder Details (If the investment is being made by a Constituted Attorney please furnish the details of PoA Holder) Gender (please 3) Male Female
Name Mr. Ms. M/s.
* PAN is Mandatory for all investors. For more deatils refer instruction B.
ACKNOWLEDGEMENT SLIP (To be filled by the Applicant) Application No.:

Received from Mr. / Ms. / M/s_____________________________________________________________________________________
an application for Units of DBS Chola Triple Ace DBS Chola Freedom Income Short Term Fund DBS Chola Gilt Fund DBS Chola Liquid Fund
DBS Chola Short Term Floating Rate Fund DBS Chola Monthly Income Plan DBS Chola Treasury Management Fund
Plan Option
alongwith Cheque / DD No. _________________________________________ Dated ___________________________ Drawn on (Bank) __________________________________
_______________________________________________________________________________________________ Branch ____________________________________________
Amount (Rs.) _______________________________________ Please Note : All purchases are subject to realisation of cheques / demand drafts. Signature, Stamp & Date

3 BANK ACCOUNT DETAILS (MANDATORY as per SEBI Guidelines)
A/c. No. Account Type (please 4) Current Savings NRE FCNR NRO
Bank Name
Branch Address
City
MICR Code (9 digit number next to your Cheque No.) k IFSC Code
Account to Account transfer facility for redemptions available (please 3any one) Please enclose copy of your cheque leaf.
HDFC Bank# ICICI Bank# Citibank ^ * Standard Chartered Bank ^ * † IDBI Bank ^ * † DBS Bank ^
# Available for all Debt Schemes ^ Available for DBS Chola Liquid Fund and DBS Chola Short Term Floating Rate Fund
* Available for DBS Chola Treasury Management Fund † Available for DBS Chola Freedom Income Short Term Fund
4 INVESTMENT DETAILS (Please see the Ready Reckoner table on Page No. 8)
Scheme Name
Plan #
Option # Dividend Facility (please 3) Reinvestment* Payout

# Please see the Ready Reckoner table on Page No. 8 for Plans / Options available in the respective Scheme (* Default Facility)
5 PAYMENT DETAILS (Please see the Ready Reckoner table on Page No. 8) (MANDATORY as per SEBI Guidelines)
Investment DD charges Net Amount (Cheque /
Amount (Rs.) (Rs.) DD amount) (Rs.)
Amount in words
Mode of Cheque / DD / Fund Transfer / ______________ Cheque /
Dated
Payment DD* No.
Drawn on Bank
Branch
City For NRI Investors Only (please 4) NRO NRE
* Please mention the application No. on the reverse of the Cheque / DD. Please ensure there is only one Cheque / DD per Application Form.
Cheque/DD must be drawn in favour of Scheme as applicable and crossed ‘account payee only’.
The details of the bank account provided above pertain to my / our own bank account in my / our name Yes No. If No, my relationship with the bank
account holder is Spouse Child Parent Relative Sibling Friend Others. Application Form without this information may be rejected.
6 ELECTRONIC CLEARING SERVICES (ECS) FOR DIVIDEND PAYMENTS*
You may choose to receive dividends in your bank account through the Electronic Clearing Service (only in select cities). Unitholders who do not opt for the ECS
facility will receive dividends by cheques payable at par / DD
I / We authorise DBS Chola Mutual Fund to credit my / our dividend through ECS (please 3)
The 9-digit MICR Code number of my / our Bank & Branch is l This is a 9 digit number next to your Cheque No.
* Please enclose photo copy of your cheque leaf.
7 OTHER SERVICES (Optional)
E-mail Services (please 4) Other E-mail Services (please 4)
I/We wish to receive the following documents via e-mail in lieu of physical document(s) Daily NAV Weekly Market Review Event Updates
Account Statement* All other Statutory Communications Marketing Updates
e-mail T-PIN Services (please 4)
Would you like a T-PIN assigned?
* Will be sent Monthly After every transaction (T-PIN : For Internet based Transactions)
8 FOR INVESTORS WHO WISH TO OPT FOR NOMINATION (For Nomination Form please refer to last page)
Nomination Form is enclosed Yes No
9 DECLARATION & SIGNATURE(S)
I / We have read and understood the contents of the Offer Document of the Scheme(s) of DBS Chola Mutual Fund. I / We hereby
apply to the trustee of DBS Chola Mutual Fund for units of respective Schemes of DBS Chola Mutual Fund, as indicated above and
agree to abide by the terms, conditions, rules and regulations of the relevant Scheme(s). I / We hereby declare and confirm that the Sole / First
amount invested in the scheme(s) indicated above is in no way in contravention of any Act, rules, Regulations, Notifications or Directions Applicant /
of the provisions of the Income Tax Act, Anti Money Laundering Laws or any other applicable laws enacted by the Government of Guardian
India from time to time. I / We have understood the details of the scheme and I / We have not received nor have been induced by
any rebate or gifts, directly or indirectly in making this investment. I / We confirm that the funds invested in the Scheme, legally belong
SIGNATURES
to me / us. If the fund is not satisfied with regard to the completion of the “Know Your Customer” process for me / us, I / We hereby
authorize the Mutual Fund to redeem the funds invested in the Scheme at the applicable NAV prevailing on the date of such redemption
and initiate such other action that may be required by the law. Second
Applicant
Applicants other than Individuals / HUF :
I / We certify that as per the Memorandum and Articles of Association of the Company, byelaws, trust deed, Partnership Deed and
resolutions passed by the Company / firm / trust I / We are authorized to enter into this transaction for and on behalf of the Company /
Firm / Trust.
Please (4) Yes No
Third
For NRIs only: I / We confirm that I am / we are Non Residents of Indian Nationality / Origin and that I / we have remitted funds from Applicant
abroad through approved banking channels or from funds in my / our Non-Resident External / Non-Resident Ordinary / FCNR Account.
I / We confirm that details provided by me / us are true and correct. Date
DBS Cholamandalam Asset Management Limited - Branches

• Ahmedabad - 9898046210 / 2656 7295 • Bangalore - 4181 1050 / 4181 1051-56 • Kolkata - 22837370 / 71 • Chennai - 25307402 / 25307405
• Chandigarh - 3208979 • Coimbatore - 4292471 • Delhi - 23353048 / 23353049 / 23354659 • Hyderabad - 66737001 / 66837001 • Lucknow* - 3258293
• Madurai* - 2301378 / 79 / 80 • Pune - 3291 2911 / 2551 0468 • Kochi - 6533130 • Jaipur* - 0141-5103275 / 76 / 77 • Mangalore* - 080 - 4181 1056
• Mumbai - 66574000 / 6610 4940 / 2202 9007 • Ludhiana* - 9815947016 • Kanpur* - 9839296100 • Salem* - 6502660 • Trichy - 2410427 • Vadodara* - 2351740
* Application Forms will not be accepted at these locations.
Toll Free No.: 1-800-22-2300

SIP Application Form
for Debt Schemes
Do not use this Form for
Lump Sum Investments
DBS Chola Triple Ace DBS Chola Gilt Fund

DBS Chola Monthly Income Plan Application No.:
DISTRIBUTOR INFORMATION FOR OFFICE USE ONLY

(Only empanelled Distributors / Brokers will be permitted to distribute Units)
Distributor / Broker ARN Sub-Broker Code
ARN -15545
1 EXISTING UNIT HOLDER INFORMATION (Please fill in your Folio No. below. Please furnish PAN details in Section 2 and then proceed to section 3)
Folio Name of Sole /
No. First Unit Holder
2 APPLICANT'S PERSONAL DETAILS (Please fill in Block Letters use one box for one alphabet leaving one box blank between two words)
First / Sole Applicant Gender (please 3) Male Female Date of Birth D D M M Y Y Y Y
Name Mr. Ms. M/s.
Guardian (if Sole / First applicant is a Minor) Contact Person (in case of Non-individual Investors only) Gender (please 3) Male Female
Name Mr. Ms. M/s.
Enclosed copy of (please 3)
Date of Birth D D M M Y Y Y Y PAN*
PAN proof OR Form 60 Form 61 Form 49A
(PAN not required for contact person)
Nationality Country of Residence
Address for Correspondence [P.O. Box Address is not sufficient]
City Pin Code

State Country
Contact Details
Phone O Extn. Fax
Phone R Mobile
I/We wish to receive updates via SMS on my mobile (Please 3)
e-mail
Overseas Address (Mandatory in case of NRI / FII applicant in addition to mailing address)
City
State Country Zip Code
Status (please 4) Individual Partnership Company Society / Club HUF NRI / FII Trust Minor Body Corporate Others ____________________
Occupation of Sole / First Applicant (please 4) Private Sector Service Public Sector / Government Service Business Professional
Agriculturist Retired Housewife Student Forex Dealer Others (Please specify) _______________________________
Second Applicant Gender (please 3) Male Female Date of Birth D D M M Y Y Y Y

Name Mr. Ms. M/s.
Third Applicant Gender (please 3) Male Female Date of Birth D D M M Y Y Y Y

Name Mr. Ms. M/s.
Mode of Holding (please 4) Single OR Joint OR Anyone or Survivor
* PAN is Mandatory for all investors. For more deatils refer instruction B.
ACKNOWLEDGEMENT SLIP (To be filled by the Applicant) Application No.:

Received from Mr. / Ms. / M/s_____________________________________________________________________________________
SIP application for Units of DBS Chola Triple Ace DBS Chola Gilt Fund DBS Chola Monthly Income Plan
Plan Option alongwith Cheques SIP Auto Debit Facility
Cheque Nos. From ________________________________________ To ________________________________________ Dated ___________________________
Drawn on (Bank) _______________________________________________________________________________________________________________________
Signature, Stamp & Date
Branch ___________________________________________________________________________ Total Amount (Rs.) __________________________________
Please Note : All purchases are subject to realisation of cheques.

3 BANK ACCOUNT DETAILS (MANDATORY as per SEBI Guidelines)
A/c. No. Account Type (please 4) Current Savings NRE FCNR NRO
Bank Name
Branch Address
City
MICR Code (9 digit number next to your Cheque No.) k IFSC Code
Account to Account transfer facility for redemptions available (please 3any one) Please enclose copy of your cheque leaf.
HDFC Bank# ICICI Bank# Citibank ^ * Standard Chartered Bank ^ * † IDBI Bank ^ * † DBS Bank ^
# Available for all Debt Schemes ^ Available for DBS Chola Liquid Fund and DBS Chola Short Term Floating Rate Fund
* Available for DBS Chola Treasury Management Fund † Available for DBS Chola Freedom Income Short Term Fund
4 SIP INVESTMENT DETAILS (Please see the Load Structure under SIP on page No. 8)
I / We would like to enroll for Systematic Investment Plan under DBS Chola Mutual Fund subject to terms and conditions of the Scheme / Plan and subsequent amendments thereto.
Scheme Name
Plan #
Option # Dividend Facility (please 3) Reinvestment* Payout

# Please see the Ready Reckoner table on Page No. 8 for Plans / Options available in the respective Scheme (* Default Facility)
Enrolment Period months From M M Y Y Y Y To M M Y Y Y Y Frequency Monthly SIP Date : 5th or 15th or 25th
5 PAYMENT DETAILS (MANDATORY as per SEBI Guidelines)
Number of
Amount per Instalment (Rs.) Total Amount (Rs.)
Instalments
(Minimum 6 instalments of Rs.1,000 each or more for all Schemes)
Payment Mechanism (please 3 any one only)
SIP Auto Debit Facility (please fill the SIP Auto Debit Form provided and submit it together with the Cheque for first SIP transaction)
Cheques (please provide the Cheques details below) All Cheques should be drawn in favour of Scheme name and crossed ‘account payee only’.
Total number of Cheques Cheque No. From To
Each Cheque Amount (Rs.) (in words)
Drawn on Bank
Branch
City
6 ELECTRONIC CLEARING SERVICES (ECS) FOR DIVIDEND PAYMENTS*
You may choose to receive dividends in your bank account through the Electronic Clearing Service (only in select cities). Unitholders who do not opt for the ECS
facility will receive dividends by cheques payable at par / DD
I / We authorise DBS Chola Mutual Fund to credit my / our dividend through ECS (please 4)
The 9-digit MICR Code number of my / our Bank & Branch is l This is a 9 digit number next to your Cheque No.
* Please enclose photo copy of your cheque leaf.
7 OTHER SERVICES (Optional)
E-mail Services (please 4) Other E-mail Services (please 4)
I/We wish to receive the following documents via e-mail in lieu of physical document(s) Daily NAV Weekly Market Review Event Updates
Account Statement* All other Statutory Communications Marketing Updates
e-mail T-PIN Services (please 4)
Would you like a T-PIN assigned?
* Will be sent Monthly After every transaction (T-PIN : For Internet based Transactions)
8 FOR INVESTORS WHO WISH TO OPT FOR NOMINATION (For Nomination Form please refer to last page)
Nomination Form is enclosed Yes No
9 DECLARATION & SIGNATURE(S)
I / We have read and understood the contents of the Offer Document of the Scheme(s) of DBS Chola Mutual Fund. I / We
hereby apply to the trustee of DBS Chola Mutual Fund for units of respective Schemes of DBS Chola Mutual Fund, as indicated Sole / First
above and agree to abide by the terms, conditions, rules and regulations of the relevant Scheme(s). I / We hereby declare Applicant /
and confirm that the amount invested in the Scheme(s) indicated above is in no way in contravention of any Act, rules, Guardian
Regulations, Notifications or Directions of the provisions of the Income Tax Act, Anti Money Laundering Laws or any other
applicable laws enacted by the Government of India from time to time. I / We have understood the details of the scheme
SIGNATURES
and I / We have not received nor have been induced by any rebate or gifts, directly or indirectly in making this investment.
I / We hereby authorise DBS Chola Mutual Fund, its Investment Manager and its Agents to disclose details of my / our investment
to my/our bank(s) / DBS Chola Mutual Fund’s Bank(s) and / or Distributor / Broker / Investment Advisor and to verify my / Second
our bank details provided by me / us. I / We confirm that the funds invested in the Scheme, legally belong to me / us. If Applicant
the fund is not satisfied with regard to the completion of the “Know Your Customer” process for me / us, I / We hereby
authorize the Mutual Fund to redeem the funds invested in the Scheme at the applicable NAV prevailing on the date of such
redemption and initiate such other action that may be required by the law.
For NRIs only: I / We confirm that I am / we are Non Residents of Indian Nationality / Origin and that I / we have remitted
funds from abroad through approved banking channels or from funds in my / our Non-Resident External / Non-Resident Third
Ordinary / FCNR Account. Applicant
I / We confirm that details provided by me / us are true and correct. Date
DBS Cholamandalam Asset Management Limited - Branches

• Ahmedabad - 9898046210 / 2656 7295 • Bangalore - 4181 1050 / 4181 1051-56 • Kolkata - 22837370 / 71 • Chennai - 25307402 / 25307405
• Chandigarh - 3208979 • Coimbatore - 4292471 • Delhi - 23353048 / 23353049 / 23354659 • Hyderabad - 66737001 / 66837001 • Lucknow* - 3258293
• Madurai* - 2301378 / 79 / 80 • Pune - 3291 2911 / 2551 0468 • Kochi - 6533130 • Jaipur* - 0141-5103275 / 76 / 77 • Mangalore* - 080 - 4181 1056
• Mumbai - 66574000 / 6610 4940 / 2202 9007 • Ludhiana* - 9815947016 • Kanpur* - 9839296100 • Salem* - 6502660 • Trichy - 2410427 • Vadodara* - 2351740
Toll Free No.: 1-800-22-2300

SIP Auto Debit Form
(Registration cum Mandate Form for ECS)
First SIP cheque and subsequent via Auto Debit in select cities viz :
Agra, Ahmedabad, Amritsar, Allahabad, Aurangabad, Bangalore, Bardhaman, Bhilwara, Bhopal, Bhubaneshwar, Chandigarh, Chennai, Coimbatore,
Calicut, Dehradun, Durgapur, Erode, Gorakhpur, Guwahati, Gwalior, Hubli, Hyderabad, Indore, Jalandhar, Jammu, Jodhpur, Jabalpur, Jamshedpur,
Jaipur, Kanpur, Kochi, Kolhapur, Kolkata, Lucknow, Ludhiana, Madurai, Mangalore, Mumbai, Mysore, Nagpur, Nashik, New Delhi, Nellore, Panjim,
Patna, Pondicherry, Pune, Raipur, Ranchi, Rajkot, Salem, Shimla, Sholapur, Siliguri, Surat, Tirupati, Thirupur, Trichur, Trivandrum, Vadodara, Varanasi,
Vijayawada, Visakhapatnam and Udaipur.
The cities in the list may be modified / updated / changed / removed at any time in future entirely at the discretion of DBS Chola Mutual Fund without
assigning any reasons or prior notice. If any city is removed from the list, SIP instructions for investors in such cities via ECS (Debit) route will be
discontinued without prior notice.
Note: Please allow minimum 21 working days for auto debit to register and start. Auto debit has to commence within 60 days of 1st SIP Cheque
APPLICANT’S INFORMATION
Name of Sole / First Applicant Mr. Ms. M/s.
SIP Application No. Folio No. (In case of
(In case of New Investor) Existing Investor)
DEBIT MANDATE [Electronic Clearing Service (Debit Clearing)]
The Manager Copy to the User Company
Bank Name Name
Branch Address Address
City
Telephone No. Tel. No.
I hereby authorise you to debit my account for making payment to DBS Chola Mutual Fund through ECS (Debit) clearing as per the details given as under.
A) Name of Bank Account Holder Mr. Ms. M/s.
B) 9 Digit MICR Code of the Bank and Branch C) Account Type (please 4) Current Savings Cash Credit
(Appearing on MICR Cheque issued by the bank.)
D) Ledger No. / Ledger Folio No. E) A/c. No.
Name of the Scheme Date of effect Periodicity Amount of Number of

(5/15/25) (Monthly / Quarterly) Installment (Rs.) Installments
DECLARATION AND SIGNATURE(S)
I hereby declare that the particulars given above are correct and complete. If the transaction Certified that the particulars furnished above are correct as per
is delayed or not effected at all for reasons of incomplete or incorrect information, I would our records.
not hold the user institution responsible. I have read the option invitation letter and agree
to discharge the responsibility expected of me as a participant under the scheme.
(Bank's Stamp)
Signature of the Authorised

Date SIGNATURE of Customer (As in Bank Records) Date Official from the Bank
Note:- Mandate to be obtained in 3 copies, Original for Bank, One for User Company and other for Customer)

(This page intentionally left blank)

Systematic Transfer Plan (STP)
Enrolment Form
To,
Date D D M M Y Y Y Y
The Trustee
DBS Chola Mutual Fund
I / We have read and understood the contents of the Offer Document of the Scheme(s) and the terms and conditions of the Scheme / Plan and subsequent
amendments thereto. I / We hereby apply for the STP Enrolment under the following Scheme / Plan (please 3 your choice).
INVESTOR DETAILS
Name of Sole / First Investor / Guardian
Mr. Ms. M/s.
Folio No.
(Existing Investor)
STP DETAILS (please 3 your choice of Scheme / Plan / Option)
From any of the following Scheme To any of the following Scheme
DBS Chola Liquid Fund DBS Chola Growth Fund
Regular Plan Cumulative* Weekly Dividend Cumulative* Quarterly Dividend
Reinvestment* Payout Reinvestment* Payout
Institutional Plus Plan Cumulative* Weekly Dividend
Reinvestment* Payout DBS Chola Midcap Fund
Institutional Plan Daily Dividend Reinvestment Cumulative* Dividend
Super Institutional Plan Cumulative* Weekly Dividend Reinvestment* Payout
Reinvestment* Payout DBS Chola Opportunities Fund
DBS Chola Freedom Income - Short Term Fund Cumulative* Dividend
Regular Cumulative* Monthly Dividend Semi-annually Dividend Reinvestment* Payout
Reinvestment* Payout DBS Chola Multi-Cap Fund
Institutional Cumulative* Monthly Dividend Weekly Dividend Cumulative* Dividend
Reinvestment* Payout
DDRIP Daily Dividend
Reinvestment* DBS Chola Global Advantage Fund
Cumulative* Dividend
DBS Chola Short Term Floating Rate Fund
Cumulative* Monthly Dividend Weekly Dividend Daily Dividend
Reinvestment* Payout DBS Chola Contra Fund
DBS Chola Monthly Income Plan**
Cumulative* Monthly Dividend Quarterly Dividend
Reinvestment* Payout DBS Chola Tax Saver Fund
* Default Plan / Option / Facility
** STP facility under DBS Chola MIP is available only for equity schemes viz, DBS Chola Growth Fund, Reinvestment* Payout
DBS Chola Midcap Fund, DBS Chola Opportunities Fund, DBS Chola Multi-Cap Fund, DBS Chola Global
Advantage Fund, DBS Chola Contra Fund, DBS Chola Tax Saver Fund and DBS Chola Hedged DBS Chola Hedged Equity Fund
Equity Fund. Cumulative* Dividend
DBS Chola Triple Ace

Cumulative* Bonus Quarterly Dividend Semi-annually Dividend
Cumulative* Monthly Dividend Quarterly Dividend
* Default Plan / Option / Facility
Enrolment Period months STP Date : 5th or 15th or 25th From M M Y Y Y Y To M M Y Y Y Y
Frequency Monthly Quarterly Fixed Amount (Rs.) or Capital Appreciation

(Minimum transfer amount - Rs. 1,000 x 6)
The STP facility can only be availed on 5th, 15th or 25th of a month. If the 5th, 15th or 25th of the month falls on non-business day then STP falling on such
non-business day will be effected on the succeeding business day.
Other Terms for STP

1) Option
(a) Fixed Amount : A minimum fixed amount of Rs. 1,000/- can be transferred subject to availability of a minimum account balance of Rs. 25,000/- in the transferor
scheme at the point of initialization of STP
(b) Capital Appreciation : A minimum capital appreciation of Rs. 1,000/- in the transferor’s scheme can be transferred subject to maintenance of a minimum
account balance of Rs. 25,000 in the transferor scheme. Balance as on the date of opting for the STP would be considered as principal amount and any
capital appreciation over that is considered for transfer under this option.
2) The minimum application size applicable to any of the schemes is not applicable while transfer to any of the schemes under STP.
3) For an existing investor account balance as of the date of opting for the STP would be considered as principal amount and any capital appreciation over that
is considered for systematic transfer under the appreciation option.
Signature(s)
Sole / First Unitholder / Guardian Second Unitholder Third Unitholder
Please Note : Signature(s) should be as it appears on the Application Form and in the same order.

Form for Nomination /
Cancellation of Nomination
[To be filled in by individual(s) applying for /
holding units singly or jointly]
Date D D M M Y Y Y Y
Name of Sole / First Investor
Mr. Ms. M/s.
Application No. Folio No.
(In case of New Investor) (Existing Investor)
Scheme
Plan
Option
I / We do hereby nominate the person more particularly described hereunder / and* / cancel the nomination made by me / us on the
day of in respect of the Units under Folio No.
(* strike out which is not applicable)
Name and Address of Nominee

Name Mr. Ms. M/s.
Address
Date of Birth of Nominee D D M M Y Y Y Y Nominee’s Relationship with the Applicant
If Nominee is a Minor, Details of the Guardian require :

Name and Address of the Guardian
Name Mr. Ms. M/s.
Address
Guardian’s Relationship with the Minor Nominee Signature of Guardian
Signature(s)
Sole / First Unitholder / Guardian Second Unitholder Third Unitholder
INSTRUCTIONS FOR NOMINATION
Applicants applying for Units singly / jointly can make a nomination at the time of initial investment or during subsequent investments.
a) The nomination can be made only by individuals applying for / holding units on their own behalf singly or jointly. Non-individuals including society, trust, body corporate,
partnership firm, Karta of Hindu Undivided Family, holder of Power of Attorney cannot nominate. If the units are held jointly, all joint holders will sign the nomination
form.
b) Only one person per folio can be nominated. If more than one person is to be nominated, please contact the AMC for the Nomination Form. A minor can be nominated
and in that event, the name, address and PAN/GIR No. and IT Circle / Ward / District (if available) of the Guardian of the minor nominee shall be provided by the Unit
holder.
c) The Nominee shall not be a trust (other than a religious or charitable trust), body corporate, partnership firm, Karta of Hindu Undivided Family or a Power of Attorney
holder. A non-resident Indian can be a Nominee subject to the exchange controls in force, from time to time. Nomination can also be made in favour of the Central
Government, State Government, Local Authority, any person designated by virtue of his office or a religious or charitable trust.
d) Nomination in respect of the Units stands rescinded upon the transmission of Units.
e) Transmission of Units in favour of a Nominee shall be valid discharge by the AMC / Fund / Trustees against the legal heir. However, the Mutual Fund / Trustee / AMC may
request the nominee to execute suitable indemnities in favour of the Fund and / or the Trustee and / or the AMC, and to submit necessary documentation to the
satisfaction of the Fund before transmitting Units to his / her favour. Nominations received in the form prescribed by the AMC alone shall be valid.
f) The cancellation of nomination can be made only by those individuals who hold Units on their own behalf singly or jointly and who made the original nomination.
g) On cancellation of the nomination, the nomination shall stand rescinded and the AMC / Fund / Trustees shall not be under any obligation to transmit the Units in favour
of the Nominee.

Blank
DBS Chola Mutual Fund, is promoted by Cholamandalam DBS Finance Ltd.
- the joint venture between Murugappa group and DBS Bank, Singapore
DBS CHOLAMANDALAM ASSET MANAGEMENT LIMITED - BRANCHES

• Mumbai: H.O. : World Trade Centre, Centre 1, 27th Floor, Unit 1, Cuffe Parade, Colaba, Mumbai-400 005 Tel.: 66574000 • Mumbai (Branch) : Flat No. 10, 3rd Floor,
Kasturi Bldg., Opp. H P House, Churchgate, Mumbai-400 020 Tel.: 6610 4940, 2202 9007 • Ahmedabad : 101, First Floor, Chandan House, Above Kotak Mahindra Bank,
Opp. Pantaloon, Mithakhali Six Roads, Ellisbridge, Ahmedabad-380 009 Cell : 9898046210 / 2656 7295 • Bangalore : 28/1 Kensington Road, Diagonally Opp. Gurudwara,
Ulsoor Road, Bangalore-560 042 Tel.: 080-4181 1050, 4181 1051-56 • Kolkata : Pradip Estates, 3rd Floor, Chabbildas Towers, 6A Middleton Street, Kolkata 700 071 Tel.:
033 -22837370 / 71 • Chennai : DARE HOUSE, No. 2, NSC Bose Road, Parry’s, Chennai-600 001 Tel.: 044-25307402, 25307405 • Chandigarh : SCO 23-24-25, 3rd Floor,
Sector- 34A Chandigarh-160 022 Tel.: 3208979 • Coimbatore : Fourth Floor, Sri Arthanari Towers, No.114, Race Course Road, Coimbatore-641 018 Tel.: 0422 - 4292471
• Delhi : 907, 9th Floor, Kanchanjunga Bldg., Barakhambha Road, New Delhi- 110 001 Tel.: 011- 23353048, 23353049, 23354659 • Hyderabad : 5th Floor, V. V. Vintage
Boulevard, 6-3-1093, Raj Bhavan Road, Somajiguda, Secunderabad-500 082 Tel.: 040-66737001 / 66837001 • Lucknow* : Marigold Building, Door No. 4, 2nd Floor,
Shahnajaf Road, Above Narulla’s Restaurant, Lucknow - 226 001 Tel.: 0522-3258293 • Madurai* : No. 4/5 Aaparna Annex Towers, 1st Floor, Bye Pass Road, Madurai-625 010
Tel.: 0452-2301378/79/80 • Pune : Shrinath Plaza, Office No. 106/110, 5th Floor, Dnyaneshwar Paduka Chowk, Dnyaneshwar Mangal Karyalaya, Fergusson College Road,
Shivaji Nagar, Pune 411 004 Tel.: 020-3291 2911 / 2551 0468 • Kochi : 39 / 4164, 1st Floor, Shema Building, Sreekandath Road Jn., Ravipuram, M.G. Road, Kochi-682
016 Tel.: 0484-6533130 • Jaipur* : 224, Ganpati Plaza, MI Road, Opp. AIR, Jaipur-302 001, Tel.: 0141-5103275 / 76 / 77 • Mangalore* : 2 & 3, Second Floor, Trade
Centre, Bunts Hostel Road, Mangalore-575 003 Tel.: 080 - 4181 1056 • Ludhiana* : 333, Model Gram, Ludhiana-141 001 Tel.: 9815947016 • Kanpur* : 32/16, Chowk
Chawal Mandi, Kanpur 208 001 Tel.: 9839296100 • Salem* : New No. 9, Rajaji Road, Near Four Road, Peramanur, Salem-636 007 Tel.: 0427-6502660 • Trichy : No.
41, 2nd Floor, TAB Complex, Bharathiar Salai, Cantonment, Trichy-620 001 Tel.: 0431-2410427 • Vadodara* : 113/114, Centre Point, R. C. Dutt Road, Alkapuri, Vadodara-
390 005 Tel.: 0265-2351740
CAMS - INVESTOR SERVICE CENTRES / TRANSACTION POINTS - BRANCHES

• Agra : 0562-324 0202, 324 2267 • Ahmedabad : 079-3008 2468, 3008 2469 • Ajmer : 0145-329 2040 • Allahabad : 0532-329 1273, 329 1274 • Aligarh : 0571-
321 771, 321 787 • Alwar : 0144- 320 0451 • Amaravati : 0721-329 1965 • Amritsar : 0183-325 7404, 9872004056 • Anand : 02692-325 071, 320 704 • Ankleshwar :
02646-310206, 310207 • Asansol : 0341- 329 5235, 329 8306 • Aurangabad : 0240- 329 5202 • Balasore : 06782-326808 • Bangalore : 080-3057 4709, 3057
4710, 3057 8004 • Bareilly : 0581-3243172, 3243322 • Belgaum : 0831-329 9598 • Bellary : 08392-326 848, 326 065 • Berhampur : 0680-320 923, 320 5855
• Bhagalpur : 0641-3209093, 3209094 • Bhavnagar : 0278 - 3208387, 3200348, 2567020 • Bhilai : 0788-3299 040, 3299 049 • Bhilwara : 01482-320809, 231808
• Bhopal : 0755-329 5878, 329 5873 • Bhubaneswar : 0674-325 3307, 325 3308 • Bhuj : 02832-320762, 320924 • Bokaro : 06542-324 881, 326 322 • Burdwan :
0342-320 7001, 320 7077 • Calicut : 0495-325 5984 Chandigarh : 0172-304 8720, 304 8721, 304 8722 • Chennai : 044-3911 5563, 3911 5565, 3911 5567 • Cochin :
0484-323 4658, 323 4662 • Coimbatore : 0422-301 8000, 301 8001 • Cuttack : 0671-329 9572 • Davenegere : 08192-326226, 326227 • Dehradun : 0135-325 1357,
325 8460 • Dhanbad : 0326-329 0217 • Dhule : 02562 - 329902,329903 • Durgapur : 0343 - 329 8890, 329 8891, 6451419 • Erode : 0424-320 7730,
320 7733 • Faridabad : 0129-3241148, 3241147 • Ghaziabad : 0120-3266917, 3266918 • Goa : 0832-325 1755, 325 1640 • Gorakhpur : 0551-329 4771 • Guntur :
0863-325 2671 • Gurgaon : 0124-326 3763, 326 3833 • Guwahati : 0361-260 7771, 213 9038 • Gwalior : 0751-320 2873, 320 2311 • Hosur : 04344-321002, 321004
• Hubli : 0836-329 3374, 320 0114 • Hyderabad : 040-3918 2471, 3918 2473, 3918 2468 • Indore : 0731-325 3692, 325 3646 • Jabalpur : 0761-329 1921 • Jaipur :
0141-326 9126, 326 9128, 5104373 • Jalandhar : 0181-3254883, 2222882 • Jalgaon : 0257- 3207118, 3207119 • Jammu : 0191-9906082698 • Jamnagar : 0288-
329 9737 • Jamshedpur : 0657-329 4594 • Jhansi : 510-3202399 • Jodhpur : 0291-325 1357 • Junagadh : 0285-3200909, 3200908 • Kalyani : 033-32422712,
32422711 • Kanpur : 0512-3918003, 3918000, 3918001 • Kestopur : 033-32415332, 32415333 • Kolhapur : 0231-3209 732, 3209 356 • Kolkata : 033-32550760,
3058 2285, 3058 2303 • Kollam : 474-3248376, 3248377, Cell: 9847067534 • Kota : 0744-329 3202 • Kottayam : 0481-3207 011, 320 6093 • Kumbakonam : 0435-
3200912, 3200911 • Lucknow : 0522-391 8000, 391 8001, 391 8002 • Ludhiana : 0161-301 8000, 301 8001 • Madurai : 0452-325 1357, 325 2468 • Mangalore :
0824-325 1357, 325 2468 • Manipal : 0820-325 5827 • Mathura : 0565-3207007, 3206959 • Meerut : 0121-325 7278 • Moradabad : 0591-329 7202, 329 98412
• Mumbai : 022-30282468, 30282469, 30282471 • Muzaffarpur : 0621-3207504, 3207052 • Mysore : 0821-234 2182, 329 4503 • Nagpur : 0712-325 8275, 2432447
• Nasik : 0253-329 7084, 325 0202 • Navsari : 02637-327709, 329238, 248745 • Nellore : 0861-329 8154 • New Delhi : 011-3048 2471, 3048 1203, 3048 1205
• Panipat : 0180-325 0525, 400 9802 • Patiala : 0175-329 8926, 222 9633 • Patna : 0612-325 5284, 325 5285, 3255286 • Pondicherry : 0413-421 0030, 329 2468
• Pune : 020-3028 3005, 3028 3003, 3028 3000 • Raipur : 0771-3296 404 • Rajahmundry: 0883-325 1357 • Rajkot : 0281-329 8158, 329 8206 • Ranchi : 0651-
329 6202, 329 8058 • Ratlam : 07412-324829, 324817 • Rohtak : 01262-318687, 318589 • Rourkela : 0661-329 0575 • Salem : 0427-325 2271 • Sambalpur :
0663-329 0591 • Satara : 02162-320926, 320989 • Siliguri : 0353-329 1103 • Solapur : 0217-3204201, 3204200 • Surat : 0261-326 2267, 326 2468, 326 0352
• Thirupur : 0421-3201271, 3201272 • Tirunelveli : 0462-320 0308, 320 0102 • Tirupathi : 0877-3206887, 3209257, Cell No: 9848877737 • Trichur : 0487-325 1564
• Trichy : 0431-329 6906, 329 6909 • Trivandrum : 0471-324 0202, 324 1357 • Udaipur : 0294-329 3202 • Vadodara : 0265-301 8029, 301 8031 • Valsad : 02632-
324 202, 324 047 • Varanasi : 0542-325 3264, 325 3265 • Vashi : 022-32598154, 32598155 • Vellore : 0416-3209017, 3209018 • Vijayawada : 0866-329 9181,
329 5202 • Visakhapatnam : 0891-329 8397, 329 8374, 2554893 • Warangal : 0870-320 2063, 320 9927
TOLL FREE NO. : 1800-22-2300 OR SMS : DBSCHOLA TO 4545

Risk Factors : • All investments in Mutual Funds and Securities are subject to market risks and the NAV of the Schemes may go up or down, depending
upon the factors and forces affecting the securities market. • There cannot be any assurance that the Schemes’ Investment Objectives can be achieved.
• The past performance of the AMC, Mutual Fund, the Sponsor or its Group affiliation is not indicative of the future performance of the Schemes. • The
Sponsor is not responsible or liable for any loss resulting from the operations of the Schemes beyond the initial contribution of Rs. 1 lakh made by them
towards setting of the Mutual Fund. • DBS Chola Triple Ace, DBS Chola Freedom Income Short Term Fund, DBS Chola Gilt Fund, DBS Chola Liquid Fund,
DBS Chola Short Term Floating Rate Fund, DBS Chola Monthly Income Plan (a scheme with no assured returns) and DBS Chola Treasury Management Fund
are only the names of the Schemes and does not in any manner indicate the quality of the Schemes, its future prospects or returns. • AAAf rating by CRISIL
indicates that the fund’s portfolio holdings provide a very strong protection against losses from credit defaults. • The rating of CRISIL is not an opinion
on the Asset Management Company’s willingness or ability to make timely payment to the investor. The rating is also not an opinion on the stability of
the NAV of the Fund, which would vary with market developments. • Investors are requested to refer to the Offer Document of respective Scheme carefully
before making any investment. • The Schemes does not guarantee any assured returns to the investors.
Statutory Details : DBS Chola Mutual Fund has been established as a trust under the Indian Trust Act, 1882 by Cholamandalam DBS Finance Limited
(liability restricted to the seed corpus of Rs. 1 lakh) with DBS Cholamandalam Trustees Ltd. as the Trustee and DBS Cholamandalam Asset Management
Limited as the Investment Manager.
DBS Cholamandalam Asset Management Limited

27th Floor, Unit 1, World Trade Centre, Centre One, Cuffe Parade, Mumbai 400 005, India
Tel.: 91-22-6657 4000 Fax : 91-22-6657 4003
graphics
alok
07/07
www.dbscholamutualfund.com
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Key Information Memorandum and Application Form For Debt Schemes

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World Trade Centre, Centre 1, 27th Floor,

Unit 1, Cuffe Parade, Mumbai 400 005

Key Information Memorandum and

Offer of Units at NAV based prices plus applicable load, if any.

SPONSOR INVESTMENT MANAGER

The date of this Key Information Memorandum is August 2, 2007.

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Key Information Memorandum - DEBT SCHEMES 1

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Minimum Application Purchase / Purchase /

Expenses of the Scheme Continuous Offer Period Continuous Offer Period

(iii) Recurring Expenses Net Assets % of weekly Average Net Assets

2 Key Information Memorandum - DEBT SCHEMES

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DBS Chola Liquid Fund - Super Institutional Plan - Cumulative Option

Expenses of the Scheme Continuous Offer Period

Key Information Memorandum - DEBT SCHEMES 3

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Expenses of the Scheme Continuous Offer Period Continuous Offer Period

4 Key Information Memorandum - DEBT SCHEMES

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Key Information Memorandum - DEBT SCHEMES 5

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6 Key Information Memorandum - DEBT SCHEMES

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GENERAL INFORMATION & INSTRUCTIONS

Key Information Memorandum - DEBT SCHEMES 7

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READY RECKONER FOR DEBT SCHEMES

8 Key Information Memorandum - DEBT SCHEMES

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Nationality Country of Residence

Address for Correspondence [P.O. Box Address is not sufficient]

City Pin Code

Second Applicant Gender (please 3) Male Female Date of Birth D D M M Y Y Y Y

Third Applicant Gender (please 3) Male Female Date of Birth D D M M Y Y Y Y

ACKNOWLEDGEMENT SLIP (To be filled by the Applicant) Application No.:

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Option # Dividend Facility (please 3) Reinvestment* Payout

DBS Cholamandalam Asset Management Limited - Branches

Toll Free No.: 1-800-22-2300

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DBS Chola Triple Ace DBS Chola Gilt Fund

DISTRIBUTOR INFORMATION FOR OFFICE USE ONLY

Nationality Country of Residence

Address for Correspondence [P.O. Box Address is not sufficient]

City Pin Code

Second Applicant Gender (please 3) Male Female Date of Birth D D M M Y Y Y Y

Third Applicant Gender (please 3) Male Female Date of Birth D D M M Y Y Y Y

Mode of Holding (please 4) Single OR Joint OR Anyone or Survivor

ACKNOWLEDGEMENT SLIP (To be filled by the Applicant) Application No.:

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Option # Dividend Facility (please 3) Reinvestment* Payout

Each Cheque Amount (Rs.) (in words)

DBS Cholamandalam Asset Management Limited - Branches

Toll Free No.: 1-800-22-2300

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DEBIT MANDATE [Electronic Clearing Service (Debit Clearing)]

The Manager Copy to the User Company

Bank Name Name

Branch Address Address

Telephone No. Tel. No.