This document describes Reliance Capital Asset Management Ltd's Salary Addvantage program which allows employees to invest parts of their salary and reimbursements in Reliance mutual fund schemes. The program offers a Reliance Any Time Money Card for making daily expenses and withdrawals linked to the primary investment schemes of Reliance Money Manager Fund and Reliance Liquid Fund - Treasury Plan. Benefits include market-linked returns, liquidity for expenses, and better savings and expense management.

1. Reliance Capital Asset Management Ltd, India

2. Value Proposition for your Employees
Key
Employee
Financial GoalMedical Health & other
Benefit
Initiatives
How do we encourage & support our colleagues in this process of
creating & securing their long-term financial goal?
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3. P ibiliti ith S l Add t
Salary Upload In
Possibilities with Salary Addvantage
Primary Schemes
Incentive /
Policy
Reimbursement
Reliance
Salary
Addvantage
Incentive /
Bonus
Addvantage
Conveyance
Reimbursement
Entertainment
Expenses/Reimb
ursement
Travel
Reimbursement
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“Salary Upload” refers to SIP / Lump sum investment made by the investor (employee) in Reliance Mutual Fund schemes through Reliance Salary
Addvantage facility

4. Salary Addvantage Model
Employee – Employer Relationship
Agreement with
Employer
Employee Signs
Registration Form
Employee
Registered @ RMF
Monthly consolidated
Amount
RMF allots units to
EmployeesEmployer Registration Form Registered @ RMF Amount
comes from Employer
“Single Payment”
Employees
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5. Salary Addvantage Facility Offerings
Reliance Any Time
Money Card
“Invest Easy”
Website Mobile
Better Management Of Expenses
Call Center
g p
Aims to provide market linked returns
Benefits of daily shopping & investments
Liquidity
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Call Center

6. Better Expense & Savings Management
Part Salary/
Reimbursements
Monthly
Salary
Daily Expenses
Savings
Reimbursements
upload in RMF
scheme ( Money
Manager/Liquid
Fund (TP)( )
Market linked
returns
Higher Liquidity
Investors (Employees) may avail Reliance Any Time Money Card facility by investing in primary schemes of RMF i eInvestors (Employees) may avail Reliance Any Time Money Card facility by investing in primary schemes of RMF i.e.
Reliance Money Manager / Liquid Fund (TP). For further details please read scheme information document of
respective schemes.
“Salary Upload” refers to SIP / Lump sum investment made by the investor (employee) in Reliance Mutual Fund
schemes through Reliance Salary Addvantage facility. *Primary Account will be Reliance Liquid Fund – Treasury Plan
or Reliance Money Manager Fund
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or Reliance Money Manager Fund
In a day you can withdraw upto 50% of the amount lying in your primary scheme account or Rs. 50,000 whichever
is lower

7. Expense Management Behavior
Random Sampling study on employees indicates:
- 20% of Salary Credit is withdrawn as Cash from Visa enabled ATMs /
Spent on Daily Shopping
Approx. Monthly
Salary
Monthly Cash
Withdrawal
% of Salary
Rs 2 lacs Rs 25000/- 12.5 %
Rs 1 lacs Rs 20000/- 20 %
Rs 60 k Rs 12,500/- 21 %
Rs 30 k Rs 7500/- 25 %
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Source: As per internal survey“Salary Upload” refers to SIP / Lump sum investment made by the investor (employee) in Reliance Mutual Fund schemes through
Reliance Salary Addvantage facility

8. Reliance Any
Monthly Employee Expense Chart
Day Date Description Time Money
Card
Salary A/C
0 28/12/2011 Salary Credit ( C ) 25000 75000
1 31/12/2011 HDFC ATM Cash Withdrawal Mumbai ( D ) 100001 31/12/2011 HDFC ATM Cash Withdrawal Mumbai ( D ) 10000
5 02/01/2012 POS ‐ Hind Motors Petrol ( D ) 2500
7 04/01/2012 Bank EMI – Home Loan ( D ) 40000
7 04/01/2012 Bank EMI – Car Loan ( D ) 150007 04/01/2012 Bank EMI – Car Loan ( D ) 15000
10 29/12/2011
Reimbursement Credit to Reliance Any
Time Money Card
( C ) 3000
15 12/01/2012 POS – Mc Donalds ( D ) 3000
19 16/01/2012 POS – Big Bazaar ( D ) 9500
Closing Balance Rs 3000/‐ Rs.20000/‐
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All shared components are details of a specific account

9. Fundamental ConceptFundamental Concept
Part Salary
Upload
Reimbursement
Uploadp
Market Linked
Returns
Daily Shopping
24X7 Cash Withdrawal
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24X7 Cash Withdrawal
“Salary Upload” refers to SIP / Lump sum investment made by the investor (employee) in Reliance Mutual Fund schemes through
Reliance Salary Addvantage facility

10. Employee Salary / Reimbursement Upload
Salary Credit to
Bank Account
Salary Credit to
RMF Scheme
20%
80 %
20%
Cash Expenses
Employee continues to
access cash through
same ATM machine
POS Payments“Salary Upload” refers to SIP /
Lumpsum investment made by the
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yLumpsum investment made by the
investor (employee) in Reliance
Mutual Fund schemes through
Reliance Salary Addvantage facility Cash will be dispensed from the Primary Account

11. Benefits of Reliance Any Time Money Card
Facilities to Employees *
Salary Upload in Money
Manager / Liquid Fund (TP) SchemeManager / Liquid Fund (TP) Scheme
Daily Expenses a
Free Unlimited Usage of Any Time Money Card at other VISA ATMs a
Interest credited Daily Dividend Option available
Phone Banking (Mon - Sat: 8AM – 9PM / Sun - Closed) a
Free Web Access a
Free Mobile Access a
Transaction Alerts aTransaction Alerts a
Free Branch Access a
Investments a
Shopping @ Visa POS Terminals a
Additional Employee Benefits
Salary Upload in Money
Manager / Liquid Fund (TP) Scheme
Part Salary Upload a
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Reimbursement / Bonus upload a
* The above facilities mentioned are subject to change without any prior notice

12. Benefits to Investor
Accessibility
ATM & POS*
Free access to over 1.8 million ATMs &over 30 million merchant
establishments world wide
Branch Access Pan India presence: 163 branches and over 216 investor service centres
Benefits to Investor
Online Access Invest, redeem or switch units online
Daily Limits
ATM 50% of the balance in scheme account or Rs. 50,000 which ever is lower
POS 50% of balance in primary scheme account or Rs. 100,000 whichever is lowerp y ,
Branch & Internet Upto full amount in scheme account through normal redemption process
Facilities
Intercity Transaction Free Purchase/redeem units from anywhere across India
Standing Instruction Standing Instructions to transfer money to your bank account
Systematic Transfer Plan Flexibility to transfer the investment into the desired scheme.
Personalized Services
Personalized Transaction Slip Invest redeem or switch units from your account without traveling to our officePersonalized Transaction Slip Invest, redeem or switch units from your account without traveling to our office
Transaction alerts SMS & Email alerts for every transactions
Others
Statements Weekly E-mail statements
Bill P t F ilit With Vi bill t tilit bill li **
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Bill Payment Facility With Visa bill payment you can pay your utility bills online**
*Source – corporate.visa.com; **This Facility will be enabled soon;

13. Reliance Liquid Fund
– Treasury Plan
Reliance Money Manager
Fund
Open ended liquid scheme Open ended income scheme
No lock in period No lock in period
High liquidity and market
linked returns
Returns are less volatile
Suitable for investors with
Tax free Dividend
Redemption happens on
T 1 b i
Su tab e o esto s t
investment between 1 week‐1month
Low exposure to MTM
i
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T+1 basis instruments

14. Asset Allocation is the keyAsset Allocation is the key
It is the asset allocation that makes the
difference in the long-term.
M h 90% f h f liMore than 90% of the portfolio returns
are based on asset allocation decisions.
Taxation
Long Term Investment leading to
wealth creationwealth creation
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15. Disclaimer
Reliance Salary Addvantage facility has various schemes as a part of the offering however this
presentation has been prepared with the specific objective of promoting Reliance Any Time Money card in
which the primary schemes are – Reliance Money Manager Fund and Reliance Liquid Fund Treasury Plan
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 Sponsor,
The Investment Manager, The Trustee, their respective directors, employee affiliates or representatives
shall be liable for any direct indirect special incidental consequential punitive or exemplary damagesshall be liable for any direct, indirect, special, incidental, consequential, punitive or exemplary, damages,
including lost profit arising in any way from the information contained in this material.
Mutual Funds investments are subject to market risks, please read all scheme related documents
carefullycarefully.
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