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Investor Presentaiton

Investment Modes in Mutual Funds Direct Mutual Fund Directly offered by fund house. No involvement of third party agents - brokers or distributors. No commissions and brokerage. Have low Expense ratio . (because of no commissions). . Have high NAV. Return is higher due to a lower expense ratio GB . Regular Mutual Fund Bought intermediary. through an • Intermediaries can be brokers, advisors or distributors. Commissions and brokerage paid. . • High Expense ratio as there are commissions to pay. Low NAV. Return is lower due to a higher expense ratio 17

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