Reliance Any Time Money Card

Introduction

Debit cards are incredibly handy for daily expenses and general cash withdrawal needs. They provide the
flexibility to withdraw cash from ATM or to make purchase at merchant establishments. Initially the use of
debit cards was confined to bank accounts.

A traditional Debit Card can be linked to

1. Saving accounts (relatively low interest rate)
2. Current account ( Zero interest rate)

Mutual fund schemes such as liquid funds, on the other hand, offer investors market-linked returns by
investing into a diversified portfolio of money market / short-term debt instruments. A recent study
conducted by Crisil Fund Services has pronounced liquid funds as an attractive alternative for retail
investors to park their idle money.. (Source: -BS Reporter / Mumbai May 30, 2011)

As of March 31, 2010, money in such accounts in scheduled commercial banks stood at Rs 11.36 trillion
(Source: -BS Reporter / Mumbai May 30, 2011). A need is identified to satisfy customers by aiming to
give higher interest rate & at the same time empowering them with a tool to access their investments
anytime.

Reliance Any Time Money Card

Reliance Mutual Fund (“RMF”) offers Reliance Any Time Money Card (“the card”), linked to mutual fund
schemes offering investors instant access to their investments. The card will allow investors to withdraw /
spend against their mutual fund investments by providing them access in Visa-enabled ATMs and
merchant outlets across the world. Essentially it combines the benefit of investments along with the
convenience of a debit card.

Key Features of Reliance Any Time Money Card

• The card offers investors the benefit of Mutual Fund Investments along with the convenience of
debit cards.
• Allows cash withdrawal and transaction in Point of Sales (PoS) terminals in Visa-powered ATM /
PoS terminals
 • Allows Balance Enquiry in Visa-powered ATMs
• Investors have the choice to withdraw from any scheme linked to the card in HDFC Bank ATMs
• In non-HDFC Bank ATMs and PoS terminals, transaction will happen only through Primary
Account.
• Card will offer instant liquidity to the unitholder up to a permissible limit as fixed/ determined by
the Bank for ATM cash withdrawals or 50% of the balance in the scheme or Rs. 50,000
(whichever is lower) as set by RMF, per day, from time-to-time, whichever is lower.
• Investors will be able to spend up to 50% of the balance in the primary account or Rs. 100,000
per day (whichever is lower) at PoS terminals.

Primary Scheme Account

Primary scheme account on the card can only be either Reliance Liquid Fund – Treasury Plan or
Reliance Money Manager Fund. It is mandatory to have one of these schemes as the primary scheme
account in order to apply for the card.

Type of Transactions

3 type of transactions* are allowed through the card.

‐ ATM Cash withdrawal
‐ ATM Balance enquiry
‐ Purchase at merchant establishments
*Not valid for payment in foreign exchange in Nepal & Bhutan.
Card is accepted at over 1.8 million Visa-enabled ATMs and over 30 million merchant establishments that
accept visa.
(Source www.visa.com as on 19- September 2011)

Transactions at HDFC Bank ATM

At HDFC Bank ATMs, unit holders get the flexibility to withdraw cash / do balance enquiry from any of the
mutual fund scheme linked to the card.

a. Withdrawal:

1) Corresponding Scheme and plan associated with the card are displayed in case of cash withdrawal.
2) Post selecting the scheme and a plan, amount needs to be entered. If the withdrawal amount is within
the limit, transaction is honoured and processed.
For example,
If a unitholder has the following three schemes in his portfolio of investment
Balance in account
Scheme Name (in Rs)
Reliance Liquid Fund - Treasury Plan (primary scheme account) 20,000
Reliance Dynamic Bond Fund 20,000
Reliance Income Fund 10,000

• Unitholder tries to do a transaction at ATM for Rs. 10,000. The transaction will go through as
there is a balance of Rs. 20,000 in the primary scheme account (Reliance Liquid fund – Treasury
Plan).
• At the same time once the above transaction has been completed, unitholder will have exhausted
the daily limit for the primary scheme account. Hence all other subsequent PoS transactions, if
any, will be declined. (on that day)
• However, the unitholder has the option to withdraw Rs. 10,000 or Rs. 5,000 (subject to the limits
mentioned in the key features) from Reliance Dynamic Bond Fund or Reliance Income Fund
respectively through HDFC Bank ATM.

b. Balance Enquiry:

• 1) HDFC Bank ATM displays all the schemes and plan associated with this card.
• 2) Post selecting the scheme and a plan, the corresponding details like available balance, ledger
balance and withdrawal balance are displayed.

Transactions at Non HDFC Bank ATM

Cash withdrawal / Balance enquiry at other Visa ATMs

Unitholder can access only primary scheme account through the other Visa ATMs. In case of balance
enquiry details of the primary scheme account, only the details of the primary scheme account can be
accessed. Similarly in case of cash withdrawal request, amount will be dispensed from the primary
scheme account only.

Eligibility

• Primary scheme account on the card can only be either Reliance Liquid Fund – Treasury Plan
or Reliance Money Manager Fund. It is mandatory to have one of these schemes as the primary
scheme account in order to apply for the card.
• It is mandatory for unitholder to provide mobile number and email id to the RMF in order to avail
the card.
 • The card shall be issued only to individual Resident Indian unitholders, who are aged 18 years
and above.
• The card shall not be issued to HUF, NRI, Private / Public Ltd Companies, Partnership Firms,
Proprietorship Firms, Trusts and any other category of investors as defined in the offer document.
• Further, the card shall be issued only in respect of folios where holding basis is 'Either or
Survivor/ Anyone or Survivor' or Single. No card shall be issued where mode of operation is
JOINT.
• The card will be issued only after realization of cheque.
• Currently only one card can be issued per folio / master account. In case of multiple holders the
card shall be issued only to the 1st holder.

General Guidelines
• The facility will be in addition to the conventional method of redemption i.e., physical redemption
request through the Designated Investor Service Centers of the Reliance Mutual Fund. In other
words, investors can opt for any of the redemption facility as per their choice and convenience.
• No card shall be issued for subscriptions through DDs/ third party cheques.
• Withdrawals through this alternative mode of redemption can be stopped temporarily or
permanently for the want of any statutory compliance, at the directives of RBI and/or SEBI or any
competent statutory regulatory authority.
• The Trustees reserves the right to discontinue/ modify/ alter the said facility on a prospective
basis subject to compliance with the prevailing SEBI guidelines and Regulations.
• The card is valid in India and abroad. Investors cannot make foreign currency transactions in
Nepal and Bhutan (i.e. transactions in currencies other than local currency of Nepal/ Bhutan or
Indian Rupees).
• Investors should ensure that while using the card outside India, they are doing so strictly in
accordance with RBI's Exchange Control Regulations, as prevailing from time to time. The onus
of ensuring compliance with the regulations is on the holder of the card
• SEBI guidelines on uniform cut off timings for redemption shall also be applicable to the aforesaid
facility of alternative means of redemption.

Card Limits

At ATM: - In a day investor can withdraw 50% of the balance in the scheme account or Rs. 50,000
(whichever is lower) from an ATM or up to a permissible limit as fixed/ determined by the Bank.
At POS: - In a day investor can spend upto 50% of the balance in scheme account or Rs. 100,000
(whichever is lower) at merchant outlets.
Card Design

Current schedule of Charges

Particulars Limit Charges

Upto 50% of the Balance* or
Cash Withdrawal Rs 50,000, whichever is lower Nil#
Spending in PoS Upto 50% of the Balance or
Terminals Rs. 100,000* Nil#
Balance Enquiry Nil#
Card Issuance Fee Nil#
Annual Fee Nil#
Re-issuance of Lost Card Nil#
Re-issuance of Lost PIN Nil#
Hotlisting of Card Nil#
International Cash Withdrawal Rs. 69 + ST##
International Balance Enquiry Rs. 21 + ST##

* Cash withdrawal at Visa ATM (other than HDFC) / PoS usage amount will be debited from the primary scheme.
- At HDFC Bank ATM customer can withdraw 50% of the amount or Rs. 50,000 (whichever is lower) from the eligible
schemes linked to card
- Customer can withdraw cash in multiple transactions at different ATMs till the daily limit of 50% of the balance or Rs.
50,000 (whichever is lower) in primary scheme is reached.
- Similarly at POS customer can purchase upto 50% of the balance in the primary scheme or Rs. 100,000 whichever is
lower
-Above charges are subject to revision with / without a prior intimation
# Service tax is currently charged at 10.3% and it is subject to change

Application for Reliance Any Time Money Card

New Investor
Fill up common application form to invest in Reliance Liquid - Treasury Plan / Money Manager Fund
1. Apply for ATM Card
2. KYC Form (if unitholder is not KYC Compliant)
Existing Investor (Investments in Reliance Liquid fund – Treasury Plan / Money Manager Fund)
Apply for ATM Card using specially designed ATM application form
Reliance Any Time Money Card is available only with the below Reliance Mutual Fund schemes:

Type of Scheme: - Liquid Type of Scheme: - Equity

Scheme Name
Reliance Liquid Fund - Treasury Plan
Reliance Liquid Fund - Cash Plan
Reliance Liquidity Fund
Type of Scheme: - Income
Scheme Name
Reliance Short Term Fund
Reliance Floating Rate Fund - Short Term Plan
Reliance Income Fund
Reliance Medium Term Fund
Reliance Regular Savings Fund - Debt Option
Reliance Money Manager Fund
Reliance Dynamic Bond Fund
Reliance Gilt Securities Fund
Reliance Monthly Income Fund
Type of Scheme: - Gold Fund of fund
Scheme Name
Reliance Gold Savings Fund
Type of Scheme: - Arbitrage
Scheme Name
Reliance Arbitrage Advantage Fund
Scheme Name
Reliance Equity Fund
Reliance Top 200 Fund
Reliance Equity Opportunities Fund
Reliance Growth Fund
Reliance Index Fund - Sensex Plan
Reliance Index Fund - Nifty Plan
Reliance Infrastructure Fund
Reliance Natural Resources Fund
Reliance Regular Savings Fund - Balanced Option
Reliance Regular Savings Fund - Equity Option
Reliance Small Cap Fund
Reliance Vision Fund
Reliance Banking Fund
Reliance Diversified Power Sector Fund
Reliance Media & Entertainment Fund
Reliance Pharma Fund
Reliance Quant Plus Fund
Reliance Long Term Equity Fund

Re-issuance of Card

In case of lost / damaged or renewal of card customer can apply for a new card by filling up the
application form. At any time only one card can be active.

Card Blocking

The process for blocking a card for a definite period or indefinitely, based on a customer request can be
done through the 24 hour call centre.

For further details on ATM Card kindly refer to Notice Cum Addendum No. 44 dated September 5, 2011.

The views constitute only the opinions and do not constitute any guidelines or recommendation on any
course of action to be followed by the readers. Readers are advised to seek independent professional
advice and arrive at an informed investment decision before making any investments. None of The
Sponsor, The Investment Manager, The Trustee, their respective directors, employees, affiliates or
representatives shall be liable for any direct, indirect, special, incidental, consequential, punitive or
exemplary damages, including lost profits arising in any way from the information contained in this
material.

Statutory Details: Reliance Mutual Fund has been constituted as a trust in accordance with the
provisions of the Indian Trusts Act, 1882. Sponsor: Reliance Capital Limited. Trustee: Reliance Capital
Trustee Company Limited. Investment Manager: Reliance Capital Asset Management Limited
(Registered Office of Trustee & Investment Manager: “Reliance House” Registered Office of Trustee &
Investment Manager: "Registered Office of Trustee & Investment Manager: 'H' Block, 1st Floor, Dhirubhai
Ambani Knowledge City, Koparkhairne, Navi Mumbai - 400 710, Maharashtra). The Sponsor, the Trustee
and the Investment Manager are incorporated under the Companies Act 1956. The Sponsor is not
responsible or liable for any loss resulting from the operation of the Scheme beyond their initial
contribution of Rs.1 lakh towards the setting up of the Mutual Fund and such other accretions and
additions to the corpus.

Terms of issue: The NAV of the Scheme will be calculated and declared on every Working Day. The
Scheme provides sale / switch – in & repurchase /switch - out facility on all Business Days at NAV based
prices.

Risk Factors: Mutual Funds and securities investments are subject to market risks and there is no
assurance or guarantee that the objectives of the Scheme will be achieved. As with any
investment in securities, the NAV of the Units issued under the Scheme can go up or down
depending on the factors and forces affecting the capital markets.

Scheme Classification and Investment Objective: Reliance Pharma Fund (An Open-ended Pharma
Sector Scheme): The primary investment objective of the scheme is to seek to generate consistent
returns by investing in equity and equity related securities or fixed income securities of Pharma and other
associated companies. Reliance Diversified Power Sector Fund (An Open-ended Power Sector
Scheme): The primary investment objective of the scheme is to seek to generate continuous returns by
actively investing in equity and equity related or fixed income securities of Power and other associated
companies. Reliance Media & Entertainment Fund (An Open-ended Media & Entertainment Sector
Scheme): The primary investment objective of the scheme is to generate continuous returns by investing
in equity and equity related or fixed income securities of Media & Entertainment and other associated
companies. Reliance Banking Fund (An Open-ended Banking Sector Scheme): The primary
investment objective of the scheme is to generate continuous returns by actively investing in equity and
equity related or fixed income securities of Banks. Reliance Quant Plus Fund (An Open-ended Equity
Scheme): The investment objective of the Scheme is to generate capital appreciation through investment
in equity and equity related instruments. The Scheme will seek to generate capital appreciation by
investing in an active portfolio of stocks selected from S & P CNX Nifty on the basis of a mathematical
model. Reliance Equity Opportunities Fund (An Open-ended Diversified Equity Scheme): The
primary investment objective of the scheme is to seek to generate capital appreciation & provide long-
term growth opportunities by investing in a portfolio constituted of equity securities & equity related
securities and the secondary objective is to generate consistent returns by investing in debt and money
market securities. Reliance Vision Fund (An Open-ended Equity Growth Scheme): The primary
investment objective of the scheme is to achieve long-term growth of capital by investment in equity and
equity related securities through a research based investment approach. Reliance Growth Fund (An
Open-ended Equity Growth Scheme): The primary investment objective of the scheme is to achieve
long term growth of capital by investing in equity and equity related securities through a research based
investment approach. Reliance Liquidity Fund (An Open-ended liquid scheme): The investment
objective of the scheme is to generate optimal returns consistent with moderate levels of risk and high
liquidity. Accordingly, investments shall predominantly be made in Debt and Money Market Instruments.
Reliance Medium Term Fund (An Open-ended Income Scheme with no assured returns): The
primary investment objective of the scheme is to generate regular income in order to make regular
dividend payments to unit holders and the secondary objective is growth of capital. Reliance Monthly
Income Plan (An Open-ended Fund-Monthly Income is not assured & is subject to the availability
of distributable surplus): The primary investment objective of the scheme is to generate regular income
in order to make regular dividend payments to unitholders and the secondary objective is growth of
capital. Reliance Floating Rate Fund (An Open-ended Liquid Scheme): The primary investment
objective of the scheme is to generate regular income through investment in a portfolio comprising
substantially of Floating Rate Debt Securities (including floating rate securitised debt, Money Market
Instruments and Fixed Rate Debt Instruments swapped for floating rate returns). The scheme shall also
invest in Fixed Rate Debt Securities (including fixed rate securitised debt, Money Market Instruments and
Fixed Rate Debt Instruments swapped for fixed returns). Reliance Liquid Fund – Treasury Plan (An
Open ended Liquid Scheme): The investment objective of the Scheme is to generate optimal returns
consistent with moderate levels of risk and high liquidity. Accordingly, investments shall predominantly be
made in Debt and Money Market Instruments. Reliance Liquid Fund – Cash Plan (An Open ended
Liquid Scheme): The investment objective of the Scheme is to generate optimal returns consistent with
moderate levels of risk and high liquidity. Accordingly, investments shall predominantly be made in Debt
and Money Market Instruments. Reliance Gilt Securities Fund (An Open-ended Govt. Securities
Scheme): The primary investment objective of the scheme is to generate optimal credit risk-free returns
by investing in a portfolio of securities issued and guaranteed by the Central Government and State
Government. Reliance Income Fund (An Open-ended Income Scheme): The primary investment
objective of the scheme is to generate optimal returns consistent with moderate level of risk. This income
may be complemented by capital appreciation of the portfolio. Accordingly, investments shall
predominantly be made in Debt & Money Market Instruments. Reliance Short Term Fund (An Open-
ended Income Scheme): The primary investment objective of the scheme is to generate stable returns
for investors with a short term investment horizon by investing in fixed income securities of a short term
maturity. Reliance Regular Savings Fund (An open ended Scheme) Debt Option: The primary
investment objective of this Option is to generate optimal returns consistent with moderate level of risk.
This income may be complemented by capital appreciation of the portfolio. Accordingly investments shall
predominantly be made in Debt & Money Market Instruments. Equity Option: The primary investment
objective of this Option is to seek capital appreciation and/or to generate consistent returns by actively
investing in equity / equity related securities. Balanced Option: The primary investment objective of this
Option is to generate consistent return and appreciation of capital by investing in mix of securities
comprising of Equity, Equity realated Instruments & Fixed income instruments. Reliance Equity Fund
(An open-ended Diversified Equity Scheme): The primary investment objective of the scheme is to
seek to generate capital appreciation & provide long-term growth opportunities by investing in a portfolio
constituted of equity & equity related securities of top 100 companies by market capitalization & of
companies which are available in the derivatives segment from time to time and the secondary objective
is to generate consistent returns by investing in debt and money market securities. Reliance Long Term
Equity Fund(A 36 months close ended diversified equity fund with an automatic conversion into
an open ended scheme on expiry of 36 months from the date of allotment): The primary investment
objective of the scheme is to seek to generate long term capital appreciation & provide long-term growth
opportunities by investing in a portfolio constituted of equity & equity related securities and Derivatives
and the secondary objective is to generate consistent returns by investing in debt and money market
securities. Reliance Money Manager Fund (Open ended income scheme): The investment objective of
the Scheme is to generate optimal returns consistent with moderate levels of risk and liquidity by
investing in debt securities and money market securities. Reliance Equity Advantage Fund (An Open
ended Diversified Equity Scheme): The primary investment objective of the scheme is to seek to
generate capital appreciation & provide long-term growth opportunities by investing in a portfolio
predominately of equity & equity related instruments with investments generally in S & P CNX Nifty stocks
and the secondary objective is to generate consistent returns by investing in debt and money market
securities. Reliance Natural Resources Fund (An Open Ended Equity Scheme): The primary
investment objective of the scheme is to seek to generate capital appreciation & provide long-term growth
opportunities by investing in companies principally engaged in the discovery, development, production, or
distribution of natural resources and the secondary objective is to generate consistent returns by investing
in debt and money market securities. Reliance Infrastructure Fund (An open ended Equity Scheme):
The primary investment objective of the scheme is to generate long term capital appreciation by investing
predominantly in equity and equity related instruments of companies engaged in infrastructure and
infrastructure related sectors and which are incorporated or have their area of primary activity, in India
and the secondary objective is to generate consistent returns by investing in debt and money market
securities. Reliance Dynamic Bond Fund (An open ended Income Scheme): The primary investment
objective of the scheme is to generate optimal returns consistent with moderate levels of risks. This
income may be complimented by capital appreciation of the portfolio. Accordingly, investments shall
predominantly be made in debt and money market instruments. Reliance Index Fund - Sensex Plan (An
Open Ended Index Linked Scheme) : The primary investment objective of the scheme is to replicate the
composition of the Sensex, with a view to generate returns that are commensurate with the performance
of the Sensex, subject to tracking errors. Reliance Index Fund - Nifty Plan (An Open Ended Index
Linked Scheme) : The primary investment objective of the scheme is to replicate the composition of the
Nifty, with a view to generate returns that are commensurate with the performance of the Nifty, subject to
tracking errors. Reliance gold Savings fund: The investment objective of the Scheme is to seek to
provide returns that closely correspond to returns provided by Reliance Gold Exchange Traded Fund
(RGETF).Reliance Arbitrage Advantage Fund: The investment objective of the scheme is to generate
income by taking advantage of the arbitrage opportunities that potentially exists between cash and
derivative market and within the derivative segment along with investments in debt securities & money
market instruments. Reliance Small Cap Fund: The primary investment objective of the scheme is to
generate long term capital appreciation by investing predominantly in equity and equity related
instruments of small cap companies and the secondary objective is to generate consistent returns by
investing in debt and money market securities.

Reliance Liquid Fund - Treasury Plan, Reliance Liquid Fund - Cash Plan, Reliance Arbitrage
Advantage Fund, Reliance Equity, Reliance Short Term Fund, Reliance Top 200 Fund, Reliance
Floating Rate Fund - Short Term Plan, Reliance Equity Opportunities Fund, Reliance Income Fund,
Reliance Growth Fund, Reliance Medium Term Fund, Reliance Index Fund - Sensex Plan, Reliance
Index Fund - Nifty Plan, Reliance Regular Savings Fund - Debt Option, Reliance Infrastructure
Fund, Reliance Liquidity Fund, Reliance Natural Resources Fund, Reliance Money Manager Fund,
Reliance Regular Savings Fund - Balanced Option, Reliance Dynamic Bond Fund, Reliance
Regular Savings Fund - Balanced Option, Reliance Dynamic Bond Fund, Reliance Regular
Savings Fund - Equity Option, Reliance Gilt Securities Fund, Reliance Small Cap Fund, Reliance
Monthly Income Fund, Reliance Vision Fund, Reliance Gold Savings Fund, Reliance Banking
Fund, Reliance Diversified Power Sector Fund, Reliance Media & Entertainment Fund, Reliance
Pharma Fund, Reliance Quant Plus Fund & Reliance Long Term Equity Fund are only the names of
the Schemes and does not in any manner indicate either the quality of the Schemes; its future
prospects or returns. Past performance of the Sponsor/AMC/Mutual Fund is not indicative of the future
performance of the Scheme. The NAV of the Scheme may be affected, interalia, by changes in the
market conditions, interest rates, trading volumes, settlement periods and transfer procedures. For details
of scheme features apart from those mentioned above and for Scheme specific risk factors, please refer
to the Scheme Information Document which is available at all the DISC / Distributors /
www.reliancemutual.com. Please read the Scheme Information Document and Statement of
Additional Information carefully before investing.