1. What is Invest Online? Invest online is a secure online transaction facility offered on our website -www.motilaloswalmf.com whereby investors can login, view portfolio and transact online. 2. I am an existing investor with you. However, I have invested in your schemes in physical mode. Can I transact online with you? Yes, you can. All you need to do is submit your PAN and an OTP will sent to your Email ID & Mobile number registered with us. With that you can log into invest online.

In case if you are a Joint holder in any of the Folios you can view and transact in the portfolio. 3. I am a new investor and not invested in your schemes even though I have invested with other Mutual Fund House. Can I transact online with you? Yes, you can invest online if you are a KYC complied investor. All you need to do is visit the Motilal Oswal MF website and click on invest online and proceed. 4. Are there any document / agreement required to open an Online Transaction account? There are no documents required to transact online if you are KYC compliant. 5. How will I know that I am KYC complaint? You can visit www.cvlkra.com/kycpaninquiry and check whether you are KYC compliant or not by using your PAN number. 6. What are the features available in the online portal? Invest online enables you to Purchase, Redeem, Switch, STP, SWP and also cancel the ISIP online. You also have the provision to view the portfolio and request for the account statement. 7. Can I settle my investments online through Invest Online? If so which banks are allowed?

Allahabad Bank

Andhra Bank

Andhra Bank Corporate

Andhra Pragathi Grameena Bank

Axis Bank

Axis Bank Corporate

Axis Bank Debit card

Bandhan Bank

Bank of Bahrain and Kuwait

Bank of Baroda- Retail

Bank of Baroda-Corporate

Bank Of India

Bank of Maharashtra

BOB Debit Card

BOI Debit Card

BOM Debit Card

Canara Bank

Canara Bank Debit Card

Catholic Syrian Bank

Central Bank of India

City Union Bank

Corporate Punjab National Bank

Corporation Bank

Cosmos Bank

Dena Bank Net Banking

Deutsche Bank

Development Credit Bank

Dhanlakshmi Bank

DIGI Bank

Equitas Bank

Federal Bank

Fincare Small Finance Bank Ltd

HDFC Bank Limited

HDFC UPI

ICICI Bank

IDBI Bank

IDFC Bank Debit card

IDFC Bank Netbanking

Indian Bank

Indian Overseas Bank

Indusbank Debit card

Indusind Bank

IOB Debit Card

Jammu & Kashmir Bank Limited

Janata Sahakari Bank

Kalupur Cooperative Bank

Karnataka Bank

Karur Vysya Bank Limited

Kerala Gramin Bank Debit card

Kotak Mahindra Bank

Lakshmi Vilas Bank Retail

NKGSB Bank

ORIENTAL BANK OF COMMERCE

Pragathi Krishna Bank

Pragathikrishna Bank Debit card

Punjab & Maharashtra Co-op Bank

Punjab and Sind Bank

Punjab National Bank

Rajasthan State cooperative Bank Debit card

Ratnakar Bank

Rupay Card

Saraswat Bank

SCB Net Banking

Shamrao Vithal Co.Operative Bank Ltd

Shivalik Bank Debit card

South Indian Bank Ltd

State Bank of India

Syndicate Bank

Tamilnad Mercantile Bank Ltd

TJSB

TNSC Bank

UBI Debit Card

UCO Bank

Union Bank of India

United Bank of India

Vijaya Bank

YES Bank Yes. You can settle your transactions online through Online payment mode. The below banks are enabled for online banking 8. Can I use Debit card for online transaction? Yes, you can use all VISA/Master and Rupay debit cards issued in India. 9. Can I use Credit card for online transaction? No, Credit cards cannot be used for online purchase of Mutual Fund Schemes 10. Is there any limit in the investment amount for online transaction? There is no limit specified by Motilal Oswal Mutual fund for online transactions. However certain banks maintain transaction limits in their net banking and the same varies from bank to bank. 11. Which browser can I use to transact online? Our website is compatible with IE 10+, Mozilla Firefox 31.0+ , Google Chrome 30.0+ , Opera 22.0+ and Safari 5 12. Can I use my Mobile or Tab to transact online? Yes, our website is built on HTML 5 platform and adapts into any size of your mobile to give you optimal viewing experience like a Mobile App. 13. Is transacting through Transact Online safe? Yes! Motilal Oswal Mutual Fund website uses SSL technology to ensure that the information transmitted between you and us across the internet is safe and secured. Secure Sockets Layer (SSL) is a common and the most effective protocol for sending confidential information securely over the Internet. SSL works by using a private, mathematical key to encrypt (or scramble) data that's transferred between your Web browser and the website you're visiting. This Digital Security certificate has one 128-bit encryption level and is obtained from VeriSign (Safe script). 14. List of schemes available for online transactions All schemes of Motilal Oswal Mutual Funds expect ETF. 15. Can I use both your website and the physical mode (submitting a transaction slip at a branch) for transacting for the folio created or transacted online? Yes. You can transact both offline and online for the folios either created or transacted online. 16. Will I be charged for availing this facility? No. The Online facility is being offered free of cost to the investors. 17. What is the NAV applicable for my transaction submitted through Invest Online?



Note:

Although your bank account may get debited instantaneously against this transaction, the funds may not be received in the scheme's account the same day. This time lag is due to settlement and reconciliation mechanism which is common to all MF's. This may impact the allotment of NAV especially for amount Rs. 2 lacs and above and in Liquid Funds, irrespective of the amount.

The Fund has entered into a direct credit tie-up with 4 banks namely, HDFC Bank, ICICI Bank, and Axis Bank For monies routed through any of these banks, the scheme receives credit immediately which is beneficial in cases where NAV applicability is based on realisation. The transactions submitted are processed based on the transaction time and fund realisation.Note: 18. What acknowledgment do I receive for my transactions? An instant transaction confirmation will be sent to your e-mail ID and mobile number registered with us. Once your transaction is processed, you would receive an account statement via e-mail and SMS 19. Can I change my address and bank mandate using your website? For security reasons the change of address or bank details cannot be submitted through our website. With regard to address updation, investor will have to visit the KRA and submit the new address along with the supporting proof as AMC will replicate the address from the KRA records only. For change in bank mandate you would need to submit a physical request for the same along with request letter and cancel cheque copy of the old and new bank. 20. What information I can view through online facility? You can view your portfolio, capital gains, if any, last 5 transaction and performance of your scheme with the scheme benchmark 21. Can I link my Aadhaar Number through online facility? Yes. You can link your Aadhaar Number in your online access. You have to provide your PAN to proceed for linking Aadhar Number.



For an Existing investor there is a link given in the login screen for linking the Aadhar. A new investor has been given a provision in the invest online to enter his Aadhar details during the transaction.



On entering the details the system will connect to the RTA page for necessary updation and validation. 22. Can I use UPI facility for online transaction? HDFC Bank LTD

Allahabad Bank

Andhra Bank

Apna Sahakari Bank Ltd.

Axis Bank Ltd

Bank of Baroda

Bank of India

Bank of Maharashtra

Canara Bank

Catholic Syrian Bank

Central Bank of India

City Union Bank

Corporation Bank

DBS Bank Ltd

DCB Bank Ltd

Dena Bank

Equitas Bank

Federal Bank

HSBC Bank

ICICI Bank

IDBI Bank Ltd

IDFC Bank

INDUSIND BANK

Indian Bank

Indian Overseas Bank

Jammu and Kashmir Bank

Janata Sahakari Bank Ltd

Karnataka Bank

Karur Vysya Bank

Kotak Mahindra Bank

Lakshmi Vilas Bank

Mehsana Urban Bank

Oriental Bank of Commerce

Punjab National Bank

Punjab and Maharashtra Bank

Punjab and Sind Bank

RBL Bank

Saraswat Bank

South Indian BanK

Standard Chartered

State Bank Of India

Syndicate Bank

TJSB Bank

Thane Bharat Sahakari Bank Ltd

UCO Bank

Union Bank of India

United Bank of India

Vasai Vikas Sahakari Bank Ltd

Vijaya Bank

Yes Bank Yes, you can use the UPI facility. Here is a list of UPI enabled banks. Customers of these banks can link their bank account by just setting a UPI PIN.

1. What is an iSIP? iSIP is an online paperless systematic investment plan (SIP) for both existing and first time investors in Motilal Oswal Mutual Fund. You can start a SIP in our Mutual Fund Schemes at your convenience using electronic device namely mobile, laptop at your convenience. 2. What are the details I need to provide for iSIP? In case if you are a new investor and already KYC complied, then you have to provide your PAN, bank account, additional KYC and FATCA details, contact information and SIP details for online registration If you are an existing investor, you have to select your KYC complied folio and provide SIP details for registration. 3. How I will inform my bank about the SIP registration to ensure monthly instalments are debited from my bank account on instalment dates? On successful completion of iSIP registration, we shall provide you a Unique Registration Number (URN). This URN has an expiry date for security reasons and you have to register this number with your bank under “Utility BillPay” option within 7 days. Successful registration of URN will enable monthly instalments are debited from your bank account. In case the URN has failed to register on the banker page and expired then a new iSIP registration request has to be submitted. 4. What is a URN? Unique Registration Number (URN) is generated for every iSIP you register with us which comes with the validity of 7 calendar days from the date it is generated on our website. 5. How to register a URN at bank’s site? You have to register the URN similar to how you currently include your utility bills with your bank for online payment, such as Mobile, Electricity, MTNL, Gas, etc.



You have to login to your bank’s website and register Motilal Oswal Asset Management as a biller under BillPay option along with the exact URN allotted to you, by selecting our name and registering it as a biller. At the time of registration you will be asked for the mode of payment depending upon the bank you are registering with. 6. Can I register the iSIP through any bank?



Aditya Aarthik Niyojan Co. Operative Credit Society Ltd

Andhra Bank

Axis Bank

Bank of Baroda

Bank of Maharashtra

City Union Bank

Corporation Bank

Development Bank of Singapore (DBS)

Dhanalakshmi Bank

quitas Small Finance Bank

Federal bank

FIRSTRAND BANK

HDFC Bank

ICICI Bank

IDBI Bank

IDFC Bank

Indian bank

Indian Overseas Bank

IndusInd Bank

Karur Vysya Bank

Kotak Mahindra Bank

Lakshmi Vilas Bank

Ratnakar Bank

Saraswat Bank

South Indian bank

State Bank of India

UCO Bank

Union Bank of India

Yes Bank You can register through any of the below listed banks. However, you need to have online access with your bank to avail this facility.Aditya Aarthik Niyojan Co. Operative Credit Society Ltd 7. Whether the URN registered after the expiry date will be valid? If you register the URN at your bank beyond the stipulated time limit determined by the AMC, the URN gets expired at the AMC’s end. New SIP has to be registered to generate the new URN. 8. What are the reasons for a URN registration not being successful at the bank’s end? If you register an incorrect URN at bank’s end, the same will be rejected at bank’s end. 9. What type of account do I need to avail of the iSIP facility? You can invest through a current or savings account held with the registered banks. NRI require to hold the NRO/NRE account to invest. This facility is not applicable for USA and Canada investors. 10. What are the modes of payment available at bank’s end for iSIP?

Below are the two types of payment options available at bank’s end for iSIP Auto-pay mode: If you opt for this mode, the SIP amount will be debited automatically on the due date provided your account has sufficient balance. View and pay mode: If you opt for this mode, you have to login in and schedule the payments failing which the bill gets expired and this is termed as Failure due to funds not received from your bank.

We strongly recommend you to select Auto-Pay mode to enjoy the uninterrupted wealth creation journey else you have to do this manually every month with the other option. 11. Can the payment option be changed during the tenure of the SIP? Yes. You can switch the payment option at any point of time. This change will come into effect for the next instalment instruction getting uploaded in your bank account. If any transaction is pending at the time of option change, the change will not come into effect for the pending transaction. In short, the change has to be done by you before the transaction gets posted in your bank account. 12. What are the possible reasons for failure of a transaction, if the registration is under an Auto-pay option? a. The primary reason could be insufficient balance at the time of debit.

b. Few banks provide the facility of setting up an auto-pay limit to its customers and if this is not within the limit of the transaction amount, the transaction gets failed. Banks send notification for such cases to you.

c. Technical issues at bank’s end at the time of debiting the amount from your account. 13. What are the possible reasons for failure of a transaction for View and Pay option? a. You forgot to authorize the transaction within the stipulated time resulting in the bill getting expired.

b. Not having sufficient balance at the time of authorizing payments.

c. Technical issues at bank’s end at the time of debiting the amount from your account. 14. Can I keep track of my transactions debited for the iSIP in my bank? Yes. You can track in the Bill History option provided by your bank. 15. How can I discontinue/cancel my iSIP/SIP? SIP if registered offline, for cancellation a physical request is required to be submitted to KARVY/AMC branches.

iSIP registered online on the website shall be cancelled any time by deleting the URN registration under the Utility Bill Pay option in your bank and also the investor can login on the AMC website and place the cancellation request. 16. How to invest in iSIP? For new investors: Submit your PAN and Applicant Details

Provide KYC & FATCA Details

Select your scheme SIP Amount, SIP Date and the Duration/Period for which you would like to invest in scheme detail

On Submission a Unique Registration Number (URN) will be generated for that particular transaction

Register the URN with your bank on or before the expiry date of URN For Existing investor: Submit your PAN and OTP shared to your registered Mobile/email ID

Select your Folio, scheme SIP Amount, SIP Date and the Duration/Period for which you would like to invest in scheme detail

On Submission a Unique Registration Number (URN) will be generated for that particular transaction

Register the URN with your bank on or before the expiry date of URN 17. Can I check my SIP registration status on the website ? Yes, investor will be in a position to check the status of the SIP in his/her login. The information will be displayed in the summary and the same will be available in the reports menu as SIP registration details.

1. What is CKYC- Central KYC Registry? It is a centralised repository of the KYC records of the customer in the financial sector with the uniform KYC norms and inter-use ability of the KYC information across all the Financial Institution. 2. What are the salient features of the CKYC? a.Unique KYC identifier linked to independent ID proof.

b.All the investor information is central maintained in a digital form.

c.Secure and advance user authentication mechanism given to Mutual funds and Intermediaries for seeking the investor information across all financial sectors.

d.No duplication of data will be stored in the CKYCR system. 3. When should the investor submit the CKYC form? In an ideal scenario, KYC should be complete before the client is on-boarded in the system. As per Prevention of Money-laundering (Maintenance of Records) Amendment Rules, 2015, Rule 9 (1A), every reporting entity shall within three days after the commencement of an account-based relationship with a client, file the electronic copy of the client's KYC records with the Central KYC Registry. 4. Documents required for completing the CKYC process? The investor is required to submit any of the following documents for ID proof and same is required to be shown to the AMC for verification.

a.Passport

b.Voter ID

c.Driving License

d.Aadhar Card

e.NREGA Job card

f. Any central govt document along with the identification no.

The following are the list of documents required to be submitted for address proof?

a.Passport

b.Voter ID

c.Driving License

d.NREGA Job Card

e.Any central govt document along with the identification no.

Note: For all investments in Mutual Fund, PMS and AIF; PAN is a mandatory. 5. List of the people authorised to attest the documents after verifying the originals? a.Authorised officials of Asset Management Companies (AMC).

b.Authorised officials of Registrar & Transfer Agent (R&T) acting on behalf of the AMC.

c.KYD compliant mutual fund distributors.

4. Notary Public, Gazetted Officer, Manager of a Scheduled Commercial/Co-operative Bank or Multinational Foreign Banks (Name, Designation & Seal should be affixed on the copy along with date).

d.In case of NRIs, authorized officials of overseas branches of Scheduled Commercial Banks registered in India, Notary Public, Court Magistrate, Judge, Indian Embassy/ Consulate General in the country where the client resides are permitted to attest the documents.

6. Government authorised officials who are empowered to issue Apostle Certificates.

6. Is IPV compulsory in CKYC? As per CERSAI guidelines IPV is not mandatory, but as per the existing laws/ regulations laid down under the KRA Regime its mandatory unless the same is revoked/ called back by the Regulators. As on the date of the document, same will remain mandatory in AMC industry. This is also a required for re-routing the KYC Applications through KRA until process at CERSAI is streamlined. 7. List of people who can do the IPV? a.Authorised officials of Asset Management Companies (AMC).

b.Authorised officials of Registrar & Transfer Agent (R&T) acting on behalf of the AMC

c.KYD compliant mutual fund distributors.

d.Manager of a Scheduled Commercial/Co-operative Bank or Multinational Foreign Banks (for investors investing directly).

e.In case of NRI applicants,a person permitted to attest documents, may also conduct the In Person Verification and confirm this in the KYC Form. 8. If the investor is already CKYC compliant do they have to submit new CKCY forms? If an investor is already a KYC complaint as per the KRA guidelines, then they are required to fill the “CKYC Supplementary Form” to comply with the additional data requirement as per the CKYC guidelines. 9. If an investor is a KRA KYC complaint and not a CKYC complaint will the additional purchase/Fresh purchase be rejected by the AMC? AMC will not reject the transaction. However such investor will be informed to fill the supplementary CKYC form either online or through any of the AMC/RTA branches 10. Will the investor get any communication for the supplementary KYC updated? Yes. The investor will get an SMS and an email confirmation to his registered email id and mobile no once the same is registered with the CKYC both for successful submission and also once the CKYC reference no is received from the CKYC 11. Is supplementary CKYC mandatory for folio(s) in demat mode? Yes. The investor has to get in touch with the source financial institution in this regard and do the needful. 12. What are the modes in which the investor can do his supplementary KYC? The investor can visit any of the nearest AMC location or KARVY RTA and submit his/her supplementary KYC form. 13. Does the investor have to do CKYC formalities multiple times? The investor is required to do the formalities only once with anyone of the financial institutions. For any future investment, investor is required to quote only the KIN (CKYC reference number) received from CERSAI. 14. If an investor is holding a KIN – KYC identification number, is he still required to do fill the CKYC forms again? No. AMC will take the KYC information from CERSAI based on the KIN no. Provided he is tagged as “Normal KYC” complaint investor under CKYC norms. 15. Can an investor with PAN exempt apply for CKYC? Yes. 16. In case of a folio maintained in joint holding does all investor have to be CKYC complaint ? Yes, w.e.f Feb 1,2017 all holders have to be CKYC compliant. Existing KRA complaint investors will also have to submit the CKYC supplementary forms within the time lines that will be specified by the AMC. Separate communication will be triggered in this regards. 17. In a joint holder folio if one holder is KRAKYC complaint and the other is CKYC complaint will the transaction be processed or rejected by the AMC? With effect from 1st Feb 2017, all new investors have to be mandatorily CKCYC compliant and all the holders in the folio have to be CKYC complied. AMC will not reject the application if KRAKYC compliant is submitting supplementary CKYC form along with the application. 18. In case of investor submitted the KYC form however the KYC status as per KRA system is “Pending” or “Hold” or “Failed” then should the investor submit CKYC form or supplementary CKYC form? Investor whose KYC status is “On hold”/ “Under process”/ “In progress”/ “Rejected”/ ”Pending” in the KRA records are required to fill up the New CKYC form to be CKYC complied . Supplementary CKYC form will be used ONLY by the investors if they are already “KYC- complained” as per the existing KRA guidelines 19. Do the investors need to update the information at the KRA and CKYC? No. Investor will fill only the forms related to CKYC. AMC will update the same at the KRA /CKYC end. 20. How many correspondence address can be updated in the CKYC? If an investor is doing his CKYC formalities for the first time he is required to provide the permanent address and correspondence address for communication. Later if the investor wishes to add more communication (specify to type of communication based on the financial institution) he is required to submit the separate form provided by CKYC for local address updation.