Mutual Fund - FAQs. 1. Can you provide some details regarding Canara Robeco.

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1 Mutual Fund - FAQs 1. Can you provide some details regarding Canara Robeco. Canara Robeco Mutual Fund is the oldest Mutual Fund in India, established in December 1987 as Canbank Mutual Fund. Subsequently, in 2007, Canara Bank partnered Robeco and the mutual fund was renamed as Canara Robeco Mutual Fund. Since then, it has consistently been one of the fastest growing mutual funds in India in terms of AuM, having grown ~150% from September 2007 to December Our solutions offer a range of investment options, including diversified and thematic equityschemes, hybrid and monthly income funds and a wide range of debt and treasury products. Canara Robeco Asset Management Company Limited ( AMC ) is an Investment Manager for the schemes of Canara Robeco Mutual Fund. AMC is a joint-venture of two renowned financial service institutions, Canara Bank and Robeco, that bring together their core competencies. Both these sponsors are respected industry leaders within India and Europe. Under the joint venture, Canara Bank retains 51% of its stakes in the AMC whereas Robeco holds the remaining 49%. The joint venture reflects a true equal balance between partners, as both partners hold equal representation in terms of Governance. The JV Agreement was signed on 26th September Do different sectors perform in a similar way under given conditions? How can one take the benefit of performance of different sectors? Under different economic & market scenarios different sectors perform differently. Exposure to only one or a few sectors could be risky in case these sectors underperform. If an investor wants to have equity exposure, an investment in an equity diversified fund gives immediate diversification within the equity asset class. The investments of the scheme are spread across various sectors and companies. A diversified fund with the flexibility to invest across sectors can perform well in different market cond itions while having a relatively lower risk than a scheme that for example only invests in one sector. 3. How is the portfolio of Canara Robeco Equity Diversified constructed? Majority is invested in large cap companies (stocks of the largest top 150 companies). These are established companies that tend to be more stable and weather volatile markets better than smaller companies. A small part will be invested in Mid-caps (medium sized companies) of which the fund manager strongly believes they will add performance to the portfolio in the medium to longer run.

2 4. What are the different investment styles which the Fund Manager takes in to account for building the portfolio of Canara Robeco Equity Diversified? Two different investment styles are used to build the portfolio: Grow th & Value Style. This blend of styles adds to providing a well diversified portfolio. 5. Who should invest in Canara Robeco Equity Diversified? For investors wanting a one-stop solution to obtaining diversified equity exposure and having medium to long term investment horizon should invest in this fund. 6. Where does Canara Robeco Short Term Fund invest? Majority of the investments is done in a liquid portfolio of short term paper, which makes the fund less prone to interest rate changes than funds that are predominantly invested in long term instruments. 7. How does Canara Robeco Short Term Fund aim to facilitate growth? Canara Robeco Short Term Fun aims to facilitate capital growth through a mix of income from: - o o Primarily from interest payments by short term debt papers in the portfolio Secondary from Active Trading through which it is attempted to capture some price appreciation by taking duration calls, yield curve trading and any tactical opportunities that might arise 8. Who should invest in Canara Robeco Short Term Fund? The fund is suitable for an investor who has a short to medium term investment horizon and wishes to avoid very high volatility. 9. Where does Canara Robeco Gold Savings Fund invest? The Scheme invests % of the portfolio into Canara Robeco Gold Exchange Traded Fund which invests in LBMA approved physical gold bars of 995 Purity. 10. Where are the advantages of investing in Canara Robeco Gold Savings Fund? Buying gold in small quantities: SIP facility available, starting as low as Rs. 500/- per month Cost Efficient investment in Gold: Invest in Gold without the hassles of storage, insurance and transportation risk Low Cost as compared to Jewellers & Banks Moves in tandem with prices of physical gold Long Term investment tool Perpetual SIP facility available Easy planning for goals years hence 11. Are there any benefits with respect to taxation available for Canara Robeco Gold Savings Fund? Indexation benefits are available in Canara Robeco Gold Savings Fund post completion of 1 year. 12. Do you have any scheme which can be used to save taxes?

3 Canara Robeco Equity Tax Saver is an ELSS (Equity Linked Saving Scheme), and provides Tax Benefits under Section 80 C of Income Tax Act#. #Investors are always advised to consult their tax advisor for the actual tax implication before investment. 13. What are the advantages of investing in ELSS? ELSS schemes have a lock-in period of just 3 years which is lower than other tax saving instruments like NSC / Bank Fixed Deposits / PPF have a minimum lock-in period of 5 to 6 years. No tax is levied on the long-term capital gains from these funds. Please note that declaration of dividend is subject to availability of distributable surplus and there is no assurance of dividend being declared The minimum investment is as low as Rs 500, for lumpsum and monthly SIP investments. 14. How is the portfolio of Canara Robeco Equity Tax Saver constructed? Canara Robeco Equity Tax Saver has a blended portfolio of large, mid & small cap stocks with a Growth style of investing. It aims to provide dual benefit of Equity investing along with Tax Saving. The portfolio is well diversified having exposure to fundamentally strong companies. 15. Who should invest in Canara Robeco Equity Tax Saver? Canara Robeco Equity Tax saver is for those who are keen to participate in the India growth story through a diversified portfolio as well as those who want to take advantage of tax benefits. 16. What is the list of documents which needs to be collected from the investor while sourcing application in case of new as well as existing investors? In case of a new investor There are only 2 forms required to be filled viz: 1. KYC for first time investors 2. Application Form for SIP KYC (for first time investors!) Quick look at what is important to get the form fi lled Form to be filled in Black ink Colour Photograph should be used PAN Card of the applicant is mandatory Proof of Identity is necessary for PAN Card exempt cases. For Proof of Identity any of the below documents can be used: - Driving Licence - Passport - Voters ID - UID/Aadhar For Address Proof any of the below documents can be used:

4 - Driving Licence - Passport - Voters ID - Ration Card - Registered Leave/Sale agreement of residence - Latest Bank Account statement/ passbook - Latest Electricity/Gas Bill In case of an existing investor, a transaction slip (along with the cheque)is all what needs to be filled. 17. What are the Exit Loads for different funds? Name of the Scheme Canara Robeco Infrastructure Canara Robeco Equity Diversified Canara Robeco Emerging Equities Canara Robeco FORCE Canara Robeco Large Cap + Fund Canara Robeco Equity Tax Saver Canara Robeco Balance Canara Robeco InDigo Fund Canara Robeco Monthly Income fund Canara Robeco Floating Rate Canara Robeco Income Canara Robeco Short Term Fund Canara Robeco Dynamic Bond Fund Canara Robeco Medium Term Opportunities Fund Exit Load 1% - If redeemed/switched out within 1 year from the date of allotment, - if redeemed / switched out after 1 year from the date of 1% - If redeemed / switched out within 1 year from the date of allotment, - if redeemed/switched out after 1 year from the 1% - If redeemed / switched out within 1 year from the date of allotment, - if redeemed/switched out after 1 year from the 1.5% - If redeemed/switched out within 12months from the date of 1% - If redeemed/switched out after 12 months but before 18 months from the date of 1% if redeemed / switched-out in less than or equal to 1 year from the date of if redeemed or switched out after 1 year from the 1% - If redeemed/switched out within 1 year from the date of allotment, - if redeemed / switched out after 1 year from the 1% if redeemed / switched-out in less than or equal to 1 year from the date of if redeemed or switched out after 1 year from the date of allotment 1% - if redeemed/switched out within 1 year from the date of 0.25% if redeemed/ switched out within 60 days from the date of - if redeemed/ switched out after 60 days from the date of allotment 1.00% If redeemed/switched out within twelve months from the, if redeemed / switched out after twelve months from the date of 0.5% - If redeemed/switched out within 6 months from the date of - if redeemed/switched out after 6 months from the 0.50% - If redeemed/switched out within 6 months from the date of - if redeemed/switched out after 6 months from the date of For any redemption/switch out before 1 year of allotment %; For any redemption/switch out after 1 year of allotment -.

5 Canara Robeco Liquid Canara Robeco Treasury Advantage Canara Robeco Gilt Advantage Fund Canara Robeco Gilt Pgs 18. What happens after the application forms are completed? All the documents are sent to the nearest Karvy Office where they are checked. Local Karvy registers the KYC with CVLand receives an acknowledgement All documents & KYC acknowledgement go to Karvy HQ in Hyderabad Then a file goes to Canara Bank to check all bank account details Karvy registers the SIP and sends a letter to the customer 19. What happens in case the customer who has opted for an SIP does not have sufficient balance? In case of no sufficient funds, the customer receives a letter. After third consecutive time of no sufficient fund s the SIP is cancelled. Colour Coding for the schemes Name of the Scheme This product is suitable for investors who are seeking Canara Robeco Liquid Income/ Capital appreciation over short term, while (An Open Ended Cash Management maintaining a level of high liquidity Scheme) Investment in a mix of Money Market Instrument & Debt Securities Canara Robeco Treasury Advantage Income / capital appreciation over short term through a low risk strategy Investment in a mix of Money Market Instrument & Debt Securities Canara Robeco Floating Rate Income / capital appreciation over short term Investing in short term debt instruments and money market instruments with weighted average portfolio duration of equal to or less than 1 year Canara Robeco Short Term Fund Income / capital appreciation over short term Investing in short term to medium term debt and money market securities Canara Robeco Income Income / Capital appreciation over medium to long term Investment in Debt and Money Market securities of different maturity and issuers of different risk profiles Canara Robeco Dynamic Bond Fund Income/ Capital appreciation over short to medium term Investment in Debt and Money Market securities Canara Robeco Gilt pgs Risk free return (except interest rate risk) and long term

6 (An Open Ended dedicated Gilt Scheme) Canara Robeco Gilt Advantage Fund (An Open Ended Gilt Scheme) Canara Robeco Monthly Income Plan Canara Robeco Yield Advantage Fund Canara Robeco InDiGo Fund Canara Robeco Balance (An Open Ended Balance Scheme) Canara Robeco Equity Diversified Canara Robeco Equity Tax Saver (Open-ended Equity Linked Savings with lock in period of 3 years) Canara Robeco Emerging Equities Canara Robeco Large Cap+ Canara Robeco Nifty Index (An Open Ended Nifty Linked Equity Scheme) Canara Robeco Infrastructure capital appreciation Investment only in government securities Income/ Capital appreciation over short term to medium term commensurate with low credit risk Investing in the portfolio comprising of Short to medium term Government securities guaranteed by Central and State Government with a weighted average portfolio duration not exceeding 3 years Income / Capital appreciation over medium term to long term. Investment in Debt instruments, MMI and small portion in equity Medium risk Income/ Capital appreciation over medium term to long term. Investment in a wide range of debt securities and Money Market Instruments of various maturities and risk profile and a small portion of investment in equity and Equity Related Instruments Medium risk Income / Capital appreciation over medium term to short term Investment in debt & money market securities along with investments in Gold ETFs Medium risk Income/capital appreciation over long term Investing in equity and equity related securities as well as fixed income securities (debt and money market securities) Investment predominantly in equity and equity related securities Investment in equity and equity related securities Investing in diversified mid-cap stocks Investing in companies having a large market capitalization Investing in companies whose securities are included in the S & P CNX Nifty Investing in equities and equity related instruments of

7 companies in the infrastructure sector Canara Robeco FORCE fund Investing in equity and equity related securities of companies in the Finance, Retail & Entertainment sectors Canara Robeco Gold Exchange Traded Fund (An Open ended Exchange Traded Fund) Canara Robeco Gold Savings Fund (An Open ended Fund of Fund scheme) Canara Robeco Medium Term Opportunities Fund that are in line with the performance of gold, subject to tracking errors Investment predominantly in Gold bullion of fineness High Risk Capital appreciation that closely correspond to returns provided by Canara Robeco Gold Exchange Traded Fund Investment in units of Canara Robeco Gold Exchange Traded Fund Income/ Capital appreciation over medium to long term Investment in Debt and Money Market securities with a portfolio weighted average maturity between 3 to 7 years Medium Risk * Investors should consult their financial advisers if in doubt about whether the product is suitable for them. Note : Risk is represented as : investors understand that their principal will be at low risk investors understand that their principal will be at medium risk investors understand that their principal will be at high risk Mutual Fund Investments are subject to market risk, read all scheme related documents carefully