22767 swarna mudra (1)

1. SWARNA MUDRA Brought to you by Surat Diamond Jewellery Pvt. Ltd In association with Reliance Infrastructure Finance Pvt. Ltd.

2. TABLE OF CONTENTS Introduction to Swarna Mudra About Surat Diamond Jewellery Pvt. Ltd About Reliance Money Benefits of the Plan Product Features Illustration Comparison with the Market

3. INTRODUCTION TO SWARNA MUDRA Accumulate Gold Grams in small quantities on a Monthly basis and at the end of the term Redeem in Gold Coins + Free Risk Cover on pending installments

4. ABOUT SURAT DIAMOND JEWELLERY Surat Diamonds is a manufacturer and retailer of fine Diamond and Gold Jewellery One of the leading e-commerce sites in India having more than 10 years of experience in selling jewellery online S hipped to more than 5 lac customers in India and 35 countries globally SuratDiamond.com has approx. 1.2 million page views per month and 1.30 lac unique visitors till date

5. ABOUT SURAT DIAMOND JEWELLERY

6. ABOUT RELIANCE MONEY Reliance Money through its pan India presence with 6,233 outlets, has more than 3.5 million customers. Over 2 tonnes of Gold Coins sold to over 2 lakhs customers in the last 3 years Tie-ups with World Gold Council and India Post to distribute Reliance Money Swiss Gold Coins PAN India

7. Product Features GOLD COIN PURITY 24 carat imported Swiss Gold Coins of 99.99% purity GOLD COIN DENOMINATIONS 0.5 / 1 / 5 / 8 / 10 gm GOLD PRICE Parity with India Post Price INITIAL PAYMENT by DD Rs. 12000 /- MONTHLY SUBSCRIPTION BY ECS/DIRECT DEBIT Rs. 2000/- and in multiples of Rs. 1000 /- thereafter TENURE 3 / 5 / 7 / 10 years LOCK IN PERIOD 12 months. Gold cant be redeemed before the completion of Lock-in period MIN. PURCHASE VALUE Rs. 60,000/- Pre-mature Termination Fee Pre-mature Termination Fee to be levied on redemptions less than the minimum purchase value RISK COVER START DATE 3 months from the Start of the Plan Charges Processing Fee of Rs. 1000/- to be levied in case ECS Mandate fails due to intentional misrepresentation of information by customer and balance amount refunded Processing Fee of Rs. 150/- to be levied in case of dishonor of DD/ECS/Direct Debit Description < 24 months > 24 Months Pre-Mature Termination Fee Rs. 8000/- Rs. 5000/-

8. BENEFITS OF SWARNA MUDRA

9. TENURE CHOSEN 3 Years MONTHLY SUBSCRIPTION CHOSEN Rs. 2000.00 MONTH AMOUNT GOLD RATE GRAMS ALLOTED 1 12,000 3000.00 4.00 2 2,000 2900.00 0.68 3 2,000 2850.00 0.70 4 2,000 2950.00 0.67 … … … … …. …. …. …. YEAR AMOUNT AVG. GOLD RATE GRAMS ALLOTED 1 34,000 2800.00 12.14 2 24,000 3000.00 8.00 3 24,000 3200.00 7.50 TOTAL 82,000 2967.00 27.64 SUBSCRIPTION SUMMARY

10. REDEMPTION SUMMARY REDEMPTION SUMMARY ACCUMULATED GRAMS 27.64 RESIDUAL GRAMS 0.36 GOLD RATE ON DATE OF REDEMPTION Rs. 3150.00 ADDITIONAL PAYMENT FOR RESIDUAL GRAMS Rs. 1134 TOTAL REDEEMABLE GRAMS 28 grams VAT on Redeemable Grams (@1%) Rs. 882/-

11. COMPARISON WITH MARKET Features Swarna Mudra Plan Gold ETF Gold Savings Fund Jeweller Backed by Physical Gold Yes Yes No No Fulfilment Mode Gold Coins/Jewellery* Cash Cash Own Jewellery only Allotment Price of Gold at each Subscription Net Asset Value Net Asset Value Price of Gold at the end of the tenure Mode of Subscription Cheque / DD / ECS Stock Exchanges ECS / Cheque / DD Cash Average Pricing Methodology Yes No No No Impurity Risk No Not Applicable Not Applicable Yes Life Risk Cover Yes Not Applicable Not Applicable No Demat a/c No Yes No No