The following documents are required for the empanelment process:

• Application form
• Agreement
• Cancelled cheque leaf (with name printed on cheque)
• PAN Card copy - self attested
• ARN Card photo copy - self attested
• AMFI certificate / NISM certificate - self attested
• KYD copy - self attested

The mutual fund industry body AMFI has made it mandatory for all online investors to be KYC registered regardless of the size of their investment. Hence, at PartnerFundsindia, we require our customers to be KYC registered before we can activate their account with us.

One of the important regulatory roles that we perform as an online service is to make sure that the bank account of a customer is in their name. A cheque with pre-printed name, or a cheque without name plus an account statement are what we use to do so. Given the importance of this detail, we feel it would be unwise of us to compromise on this request and accept alternatives.

In future, if you want to add or change a bank account, we will ask for similar information. We feel that doing this would be important to protect the sanctity of online transactions done through us.

As part of the online channel partner agreements that PartnerFundsindia has signed with mutual fund companies, we (PartnerFundsindia) are required to manage the debit/investment process for SIP investments. This has both advantages and disadvantages. Advantages are that we can offer SIP on any day of the month to our investors regardless of constraints in this regard set by the mutual fund companies. Also, we can stop, re-start and change the scheme of the SIP investments more dynamically than a regular mutual fund SIP.

The disadvantage is that when we make a debit for the investment, it can take upto 4 working days (depending on the bank and the location) to get information about the debit (whether it was made successfully or not). It is only after we receive this information can we make the investment behalf of the investor. Please note that we do not have your money in the interim and we do not accrue any interest for these 4 days.

However, from the investor's perspective, this should not matter as the debit is made on their account on the appointed date, and the investment is made very shortly thereafter. The difference of one or two days should not matter over the long term.

The online payment gateway works without issues most of the times, but such issues happen from time to time.

In such situations, typically, we have not yet received the amount in our account to process your transaction. The money will be put back in your bank account within two business days. If it does not, please let us know and we'll follow up on your behalf.

1. Please fill and sign the KYC modification form. This form is available in the 'Downloads' section of the CVL website - http://www.cvlindia.com
2. Please produce a proof of address for the new address, and get it notarized.

1. Ensure that your KYC records are up to date
2. Ensure that the records with the AMC are up to date for your investments.

To change your registered bank account, please login to your account, and click on 'My Info'. Then from the left menu, select 'Change bank details'. You can follow instructions from there.
Essentially, we will need a request letter from you to make the change, and a cancelled cheque (with your name) for the new bank account.

It is ok that the AMC records are showing that you are non-KYC compliant at this time.

The way this works is that Karvy or CAMS receive all application from online platforms like us, and process the investment without issue. They store all the applications as KYC non- compliant initially. After that, periodically, Karvy and Cams check with the IT department (to match name and PAN) as well as CVL India to check on KYC status, and update their database in mass. They do not do it every day or at the time of the investment. They do it in bulk every month or so.

The key thing to note is that this is not an official indication that you are not KYC compliant. CVL India's record is the official record. So, you need not worry that the KYC information here is not right.

partner.fundsindia.com is not merely a platform for buying and selling financial products such as Insurance. Apart from offering the articles, commentary, news, and market data on the products, we also offer value-added services to Financial Partners and investors.

For example, in mutual funds, an investor can use a trigger-option to specify when they want to enter or exit a fund. To illustrate, an investor could specify a trigger to say that they want to buy a fund when the Sensex hits 12000, and sell it when it hits 18000. Or they could say that they want to book profits when their scheme gains by 20%.

Another example of value added service is the ability to do portfolio-level SIP which means you can now have an SIP on an entire risk-balanced portfolio as opposed to a single scheme.

Yes, SEBI has scrapped entry loads recently. We are very happy with the move. We were asking SEBI for this for the past nine months, and were communicating regarding this with them all through.

Once your Financial Partner opens an account for you , you can login and start investing in a variety of ways - investing in a new scheme, establishing a SIP, establishing a trigger point to buy etc.

A Financial Partner will have access to a variety of options to view and advice investors on their portfolios.

Investors will also have various means to interact with their Financial Partners to get advice on what to invest in. Based on the Financial Partners advice, an investor can select the scheme, select the amount to invest, login to their bank account, transfer the money, and that's it. No more forms to fill out or cheques to write. We at PartnerFundsindia will take care of your investment.

1. Axis Mutual Funds
2. BOI AXA Investment Managers Private Limited
3. Birla Sunlife Asset Management Company Limited
4. BNP Paribas Mutual Fund
5. Baroda Pioneer Asset Management Company Limited
6. Canara Robeco Asset Management Company Limited
7. Deutsche Asset Management (India) Private Limited
8. DSP BlackRock Mutual Fund
9. Daiwa Mutual funds
10. Edelweiss Asset Management Limited
11. Franklin Templeton Funds
12. Goldman Sachs Asset Management Company Limited
13. HDFC Mutual Funds
14. HSBC Global Asset Management India
15. ICICI Prudential Mutual Fund
16. IDFC Asset Management Company Private Limited
17. IDBI Mutual Fund
18. Indiabulls Mutual Fund
19. ING Investment Management (India) Private Limited
20. IIFL Mutual Fund
21. JM Financial Asset Management Private Limited
22. JPMorgan Asset Management India Private Limited
23. Kotak Mahindra Asset Management Company Limited
24. L&T Asset Management Limited
25. LIC Mutual Funds
26. Mirae Asset Global Investment Management (India) Private Limited
27. Morgan Stanley Funds
28. Motilal Oswal Mutual Funds
29. PineBridge Investments Asset Management Company (India) Private Limited
30. Principal Pnb Asset Management Company Private Limited
31. Pramerica Mutual Fund
32. Peerless Funds Management Company Limited
33. PPFAS Mutual Fund
34. Quantum mutual funds
35. Reliance Capital Asset Management Limited
36. Religare AEGON Asset Management Company Private Limited
37. SBI Mutual funds
38. Shriram Asset Management Company Limited
39. Sundaram Asset Management Company Limited
40. Taurus Asset Management Company Limited
41. TATA Mutual fund
42. UTI Asset Management Company Private Limited

1. Allahabad Bank
2. Axis Bank
3. Bank of Bahrain and Kuwait
4. Bank of Baroda
5. Bank of India
6. Bank of Maharashtra
7. City Union Bank
8. Corporation Bank
9. Central Bank of India
10. Deutsche Bank
11. Dhanlaxmi Bank
12. Development Credit Bank
13. Federal Bank
14. HDFC Bank
15. ICICI Bank
16. IDBI Bank
17. Indian Overseas Bank
18. Indian Bank
19. ING Vysya Bank
20. Indusind Bank
21. Jammu & Kashmir Bank
22. Karnataka Bank
23. Kotak Mahindra Bank
24. Karur Vysya Bank
25. Oriental Bank Of Commerce
26. South Indian Bank
27. Standard Chartered Bank
28. State Bank Of India
29. State Bank Of Mysore
30. State Bank Of Hyderabad
31. State Bank of Travancore
32. Tamilnad Mercantile Bank
33. Union Bank of India
34. United Bank of India
35. Vijaya Bank
36. Yes Bank

To view your existing holdings (investments in mutual funds) in a consolidated fashion in partner.fundsindia.com, you would need to transfer them to your PartnerFundsindia account. To make it easier for the investors, we are devising a system (called Easy Transfer) to enable investors to quickly transfer their investments to PartnerFundsindia to benefit from a consolidated view. PartnerFundsindia will pre-fill all the required documents and send them for you to sign and send over.

We strictly advice that you consult with Your partner before initiating an Easy Transfer.

For more details and an explanation of the process involved, please click here.
https://www.fundsindia.com/content/node/quickTransfer.do;jsessionid=93F7C3D13D41C817A9785AD0D7503DF9

With PartnerFundsindia, you can use a single login id to access your family's investments in one place. If you would like to add another person from your family as an investor (either jointly or separately), you would need to click on the 'Add Investor' link and fill out their information. A pre-filled application form for the new investor will be generated. This form needs to be sent to your Partner with the relevant documentation. Investments can be made in the name of the new investor after we receive and activate the account.

Yes, investments made under different investors (that were created using a single login id), can be seen in one consolidated portfolio view as separate investments. For example, a husband might have invested in a few schemes, a wife in a different set of schemes, and both of them jointly in a third set of schemes. All these investments can be viewed in a consolidated fashion in the portfolio screen when all these three accounts have been created under a single login id.

Equity funds - 3 business days
Debt funds - 2 business days
Liquid funds - 1 business day.

Redemption requests placed on non-business days will be taken on the next working day and will then commence as per the above schedule. Please note that some international funds could take up to 10 business days for payout.

Yes, we support online SIP at PartnerFundsindia. However, SIP with PartnerFundsindia works a little differently. Please go to the page below for more details:

SIP in PartnerFundsindia

Please follow these steps to obtain AMC statements for your mutual funds using Cams Online:

1. Please go to www.camsonline.com
2. Click on 'Online Services for Investors' (second link)
3. Please select Mail back Services (click on 'Check it Out!')
4. Click on "Consolidated Account Statement - Cams+Karvy+FTAMIL'
5. Please provide your registered email address, and a password (need not be your email password - this is just a password that Cams will use to encrypt the file that they will be sending you).

You will receive your statement via email within an hour. Please use the password you provided to open the statement. You can also request a single folio statement by choosing 'Single Folio Account statement' instead of Consolidated Account statement in the list above.

1. Axis Mutual Funds – USA / Canada
2. BNP Paribas Mutual Fund – USA / Canada
3. Canara Robeco Mutual Fund – USA / Canada
4. Deutsche Asset Management (India) Private Limited – USA / Canada
5. DSP BlackRock Mutual Funds – USA / Canada
6. Franklin Templeton Funds – USA / Canada
7. Goldman Sachs Asset Management Company Limited – USA / Canada
8. HSBC Global Asset Management India – USA / Canada
9. ICICI Prudential Mutual Fund – USA / Canada
10. IDFC Asset Management Company Private Limited – Canada
11. IIFL Mutual Fund – USA / Canada
12. ING Investment Management (India) Private Limited – USA / Canada
13. JPMorgan Asset Management India Private Limited – USA / Canada
14. Morgan Stanley Funds – USA / Canada
15. PineBridge Investments Asset Management Company (India) Private Limited – USA / Canada
16. Quantum Mutual Funds – USA / Canada
17. SBI Mutual Funds – USA / Canada
18. Sundaram Asset Management Company Limited – USA / Canada
19. Shriram Asset Management Company Limited – USA / Canada
20. TATA Mutual Fund – USA / Canada
21. Reliance Mutual Fund – USA / Canada
22. Religare Invesco Mutual Fund – USA / Canada
23. PPFAS Asset Management Pvt. Ltd – USA / Canada
24. HDFC Asset Management Company Limited – USA / Canada (Also, no redemption allowed for existing investors.)
25. Principal Asset Management company – USA / Canada
26. Mirae Asset Mutual Fund – USA / Canada
27. UTI Mutual Fund – USA / Canada

1. Fill in your investor profile under equity section
2. We will send you our Broker's executive to meet you personally to collect the KYC documents and for your signatures
3. Your account gets opened in 3 working days from the day of signing the KYC forms
4. We will notify you via mail when the account is ready for transactions

At PartnerFundsindia the brokerage for equity and ETF transactions is very attractive when compared to the industry average of 50 basis points (i.e. 50 paise brokerage on every Rs 100 invested)

At the brokerage is Rs. 25 or 50 basis points (i.e. 50 paisa on every Rs 100 charged), whichever is higher.

Please note that there are additional charges that all brokers are legally required to charge on equity transactions as per SEBI. The charges are as follows:

• Stamped duty/charges on delivery: 0.01% of transaction amount
• Securities transaction Tax on delivery: 0.125% on transaction amount
• Turn over tax/transaction charges: 0.0035% on transaction amount
• Service Tax: 10.36% on (brokerage + sum of above three charges).

These additional charges are mandated by the regulatory authority and are common across all brokers.

Please Note: A minimum brokerage charge of Rs.25 will apply to all transactions below the value of Rs.8000/-

• A use case scenario where the minimum brokerage is charged and
• A use case scenario where 30 bps is charged.

• You would need to use a "Delivery instruction Slip" (DIS) - a set of these was part of the account welcome kit sent to you when you opened your Demat account with PartnerFundsindia
• In this DIS, you will need to mention your PartnerFundsindia Demat account as the beneficiary account number
• Also, please mention the shares with the ISIN code that you want to transfer from your old Demat account
• After filling the form, and signing it, please deliver the DIS to your current broker
• If delivered before 6 PM, your shares will be transferred to your PartnerFundsindia Demat account by the next business day, and will show in your portfolio

NEFT: Investor can NEFT his investment account to the bank account, mentioning his client code in the 'remarks' column of the NEFT form. The amount will be available for buying shares only on the next business day. The following details are required for any of the above transfers:

HDFC Bank Account No. ( BSE CASH)- 00820340000525
IFSC Code RTGS / NEFT - HDFC0000082
Account name - Wealth India Financial Services Pvt. Ltd.
Branch - NUNGAMBAKKAM Branch, Chennai

Note :
The Investor will have to enter his Funds Transfer details into PartnerFundsindia's "Payment Confirmation" page. The investor will follow the method as mentioned below.
Step 1 - Enter the Bank Detail
Step 2 - Enter the Funds Transfer date
Step 3 - Enter the mode of transfer i.e. Net-banking (or) NEFT (or) Cheque.
Step 4 - Enter the reference number if the mode of transfer is Net-Banking. (or) Enter the NEFT reference number if the mode of transfer is NEFT. (or) Enter the cheque number if the mode of transfer is cheque.
Step 5 - Enter the amount transferred.

With PartnerFundsindia you can place request in "Withdrawal Request" page. A request made during a business day before 2pm, the money would get transferred on the next working day. A request made after a cut-off time of 2pm the money would get transferred on the second next business day.

Limit Order
Market Order
Stop-loss Order

A market order is that the price is paid when the order is executed. The price may not always be the same as that presented by a real-time quote service. This often happens when the market is changing very quickly. Placing an order "at the market," especially when it involves a large number of shares, offers a greater chance of getting different prices for different parts of the whole order.

With PartnerFundsindia you can place real time market orders and GTC (good till cancelled).

A real time market order can be placed between 9.am of the trading day and till 3.30pm of the same trading day. The orders placed during the day will be automatically cancelled after the market timing.

A GTC order can be placed between 7pm to 8.55 am of the next trading day. The GTC order will be executed on the next business day. The GTC order will automatically cancelled at the end of the 7th calendar day's market closing.

Note:-
The cash equivalent to the value of the GTC buy order will be kept on hold till the GTC order is executed or cancelled.

A GTC Sell order can be placed by Selecting Buy/Sell from the Equity Menu. Select Sell and then select GTC under Validity. The GTC order will be good for 7 calendar days.

Note:-
The shares equivalent to the quantity of the GTC Sell order will be kept on hold till the GTC order is executed or cancelled.

Please contact FundsIndiaPartner equity.partnerservice@fundsindia.com. (0) 7667 166 166

You will need to visit a point of presence (PoP), fill up the prescribed form with the required documents. Once you are registered, the Central Recordkeeping Agency (CRA) will send you a Permanent Retirement Account Number (PRAN), along with telephone and internet passwords.

You can choose the investment mix between equity or E (high risk but high returns), mainly fixed income instruments or C (that come with medium risk and returns) and pure fixed investment products or G (which offer low returns but have very low risks associated with them). Equity investment is capped at 50 per cent.

At present, the equity investment consists of index funds that replicate the Sensex or Nifty portfolio. The C segment includes liquid funds, corporate debt instruments, fixed deposits and public sector, municipal and infrastructure bonds. The pure fixed investment instruments include state and central government securities.

There is a trade-off between risk and returns, with a younger investor placed better to take risks.

If you are unable to decide the investment mix, the default option will kick in.

The default option, called auto choice lifecycle fund, will see the investment mix change according to the age of the subscriber. At the lowest entry age of 18 years, auto choice entails an investment of 50 per cent in E, 30 per cent in C and 20 per cent in G.

The ratios will remain unchanged till the subscriber turns 36, when the ratio of investment in E and C will decrease annually, while the proportion of G rises.

The normal retirement age has been fixed at 60 years. At 60, you will be required to use at least 40 per cent of your accumulated savings to buy a life annuity from an insurance company. A phased withdrawal is also allowed but the lump sum benefit has to be availed of before you turn 70 years.

If the subscriber dies before he or she turns 60, the nominee can receive the entire pension corpus. Alternatively, a subscriber can exit if the account value falls to zero or if the citizenship status changes. The age of exit will be reviewed by PFRDA from time to time. There will also be the option to select an annuity that will pay a survivor pension to your spouse.

No additional Central Record keeping Agency (CRA) charges for Tier II for either account opening or annual maintenance, Transaction charges same as Tier I will however be applicable. Tier I charge details provided below.

Minimum contribution at the time of account opening - Rs 1000
Minimum amount for subsequent contributions - Rs 250
Minimum Account Balance at the end of Financial Year - Rs 2000
Minimum Contributions per year - 4 ( Min 1 contribution if you join in the last quarter)

Penalty of Rs 100 for non maintenance of minimum balance and/or not making minimum no of contributions

*Service tax and other levies, as applicable will be levied as per the existing tax laws

1. When the number of accounts in CRA reaches 10 Lakh the service charges, exclusive of Service Tax and other taxes as applicable will be reduced to Rs.280 (Rupees two hundred and eighty only) for annual PRA maintenance per account and Rs.6 (Rupees six only) for charges per transaction. Further, When the number of accounts in CRA reaches 30 lakh the service charges, exclusive of Service Tax and other taxes as applicable will be reduced further to Rs.250 (Rupees two hundred and fifty only) for annual PRA maintenance per account and Rs.4 (Rupees four only) for charges per transaction CRA charge for maintenance of your permanent retirement would include charges for maintenance of your permanent retirement would include charges for maintenance of electronic information of the balances in your PRA, for incorporating changes to PRA details received by the CRA in electronic form, for sending annual account information once a year in printed form etc.

2. These include
   1. Regular subscribers contribution
   2. Change in subscriber details
   3. Change of investment scheme / fund manager
   4. Processing of withdrawal request
   5. Processing of request for subscriber shifting
   6. Issuarce of printed Account statement
   7. Any other subscriber services a smay be prescribed by PFRDA
3. The Investment Management Fee is inclusive of all transaction related charges usch as brokerage, transaction cost etc. except custodian charges and applicable taxes. The investment Management Fee is calculated on the average monthly assets managed by the pension fund
4. Trustee Bank charges are not charged to subscriber directly. Transaction refers to the entire chain of activites starting from receipt of electronic instruction / receipt of physical instrument to transfer of funds to the designated PFMS. On the outflow side it would all activities leading to credit of beneficiary account
5. Charges for Demat / Remat, Receipt of shares & SEBI charges are extra

1. Auto choice ( which does the asset allocation based on age) The asset allocation based on age for auto choice is
   
   

   Asset Class Age E C G Upto 35 Years 50% 30% 20% 36 Years 48% 29% 23% 37 Years 46% 28% 26% 38 Years 44% 27% 29% 39 Years 42% 26% 32% 40 Years 40% 25% 35% 41 Years 38% 24% 38% 42 Years 36% 23% 41% 43 Years 34% 22% 44% 44 Years 32% 21% 47% 45 Years 30% 20% 50% 46 Years 28% 19% 53% 47 Years 26% 18% 56% 48 Years 24% 17% 59% 49 Years 22% 16% 62% 50 Years 20% 15% 65% 51 Years 18% 14% 68% 52 Years 16% 13% 71% 53 Years 14% 12% 74% 54 Years 12% 11% 77% 55 Years 10% 10% 80%

   
   
2. Active choice in which you choose between Equity (E),Corporate Bonds (C) and Governemnt Bonds (G) as per your choice subject to a maximum of 50% in equity such that the total 100% is allocated as per your choice. To give an example Equity (E)-between 0-50%, depending on this the rest could be in Corp Bonds or Govt Bonds so that total adds up to 100%, the only rule si that the equity portion can not exceed 50%

• Ignore the unrated Company Deposit Schemes. Ignore deposit schemes of little known manufacturing companies. For NBFCs, RBI has made it mandatory to have an 'A' rating to be eligible to accept public deposits. One should go further and look at only AA or AAA schemes.

• Within a given rating grade, choose the company with a better reputation.

• Once you decide on a company, choose the schemes that have given a better return. Unless you need income regularly, you should prefer cumulative schemes to regular income options since the interest earned automatically gets reinvested at the same coupon rate, resulting in better yields. It also gives you a lump-sum amount at one go.
• It is better to make shorter deposit of around 1 year to 3 years. This way, you can not only keep a watch on the company's rating and servicing, but also have your money back in case of an emergency.

• Check on the servicing standards of the company. You should not invest in companies that care little about investor services, like promptly sending interest warrants or the principal cheque.

• Involve your Financial Planner / Investment Partner for advice in all your transactions. Do not bypass and invest directly.

• Check whether the company accepts outstation cheques and makes payment through at par cheques, especially if you do not live in the same city where the company is situated.

• Manufacturing Companies.
• Non-Banking Finance Companies.
• Housing Finance Companies.
• Financial Institutions.
• Government Companies.

A Non-Banking Non-Finance Company (Manufacturing Company) can accept deposits subject to following limits.

Company Fixed Deposits can be accepted by a Manufacturing Company having duration from 6 months to 3 years. Non-Banking Finance Companies can accept deposit from 1 year to 5 years period. A Housing Finance Company can accept deposit from 1 year to 7 years.
Companies where you should not invest

• Companies that offer interest higher than 15%.
• Companies that are not paying regular dividends to the shareholders.
• Companies whose Balance Sheet shows losses.
• Companies that are below investment grade (A) or less rating.

Yes, NRIs can place funds in fixed deposits with public limited companies in India in certain situations. If the permission to accept deposits from non-residents was already taken by the Indian company, it is not necessary for the investor to take a separate permission. However, due to operational constraints, at this moment, PartnerFundsindia has decided not to accept corporate fixed deposits from NRIs. It is very likely that we will revisit this decision in future. We'll keep you posted.

Since one copy of the Form 15G/15H is required to be sent to I.T.O. it is possible that the I.T.O. may raise some query, when they deem it necessary.

• Additional Capital resources for funding of projects/expansion plans.
• Dilution of existing promoters shares holding.
• Listing enhances corporate image thus providing visibility.

• Price Band: Price band indicates the different price levels within a given range in which the investor can enter his bid.
• Floor Price:It is the lower end of the price band.
• Cap Price:It is the upper end of the price band.
• Offer Document: Offer document means prospectus in case of a public issue, which is file with Registrar of companies (ROC) and stock exchanges. The offer document contains all relevant details pertaining to the issue upon which the investors can make his/her decision.
• Draft Offer Document: means the offer document in the draft stage, which is filed with SEBI for its observations. The draft offer documents are filed with SEBI at least 21 days prior to filing the offer document with ROC and Exchange.
• SEBI ROLE: Any company making a public issue or a listed company making a rights issue of value more then Rs.50 Lakhs is required to file a draft offer document with SEBI for its observations. The company can proceed further only after receiving observations from SEBI. The validity of SEBI observation is 3 months only i.e. the company has to open its issue within 3 months period.
• Cut off Price:In case of public issues the actual discovered price/ issue price can be anything between a given price band. The discovered issue price is called the cut off price.
• Basis of Allotment: The allotment in case of Retail and Non-QIB (HNI) category the allotment is on a proportionate basis.

• The minimum period for which a public issue has to be kept open is 3 working days and the maximum for which it can be kept open is 10 working days. The minimum period for a rights issue is 15 working days and the maximum is 60 working days.
• A public issue is effected if the issue is able to procure 90% of the Total issue size within 60 days from the date of earliest closure of the Public Issue. In case of over-subscription the company may have the right to retain the excess application money and allot shares more than the proposed issue, which is referred to as the 'green-shoe' option.
• A rights issue has to procure 90% subscription in 60 days of the opening of the issue.
• Allotment has to be made within 30 days of the closure of the Public Issue and 42 days in case of a Rights issue.
• All the listing formalities for a public Issue has to be completed within 70 days from the date of closure of the subscription list. Refund Orders
• Refund orders have to be dispatched within 30 days of the closure of the Public Issue.
• Refunds of excess application money i.e. for un-allotted shares have to be made within 30 days of the closure of the Public Issue.