SAHARA MUTUAL FUND

1
SAHARA MUTUAL FUND
2
Our Mission

• To help every class of investors to find a
  suitable avenue for profitable and prudent
  investment of his / her money, consistent with
  his / her needs and objectives.

3
OUR MANAGEMENT

• (Board of Trustees)
• Justice S. Mohan - Former Judge Supreme
  Court of India
• Mr. Amitabha Ghosh - Former Dy Governor,
  Reserve Bank of India
• Mr. S. R. Hegde - Advocate Supreme
  Court of India,
• Former Legal
  Advisor Reserve Bank India
• Mr. P. Visveswara Rao - Former Secretary ( Govt.
  of A.P.)

4
OUR MANAGEMENT

• (Board of Directors)
• Shri Subrata Roy Sahara
• Shri O. P. Srivastava
• Shri Suresh Chukkapalli
• Shri C. Kamdar
• Shri R. M. Joshi

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Our Products
6
OUR ACHIEVEMENTS

• Data Sources
• www.etintelligence.com (Economic Times
  Intelligence Group) / ET Quarterly Mutual Fund
  Tracker June 2009.
• www.valueresearchonline.com (as of 31.10.2009).
  CRISIL Ratings(Refer to Disclaimer).

7
Sahara Tax Gain Fund
Value Research Rating????
Performance of the Fund as on 30.10.09
Returns (in ) Annualised
Adjusted for
Bonus.
8
Sahara Tax Gain Fund
Value Research Rating????
Dividend History
Bonus History
Post Bonus (Bonus Declared Growth Plan 7 1
Dividend Plan 3 1)
9
Sahara Tax Gain Fund
INDUSTRY WISE ASSET ALLOCATION AS ON 30.10.2009
10
Sahara Tax Gain Fund
Scheme Details

• Objective The objective of the scheme is to
  provide opportunity for immediate tax
  relief and long term growth through
  Capital Appreciation.
• Date of Inception April 1, 1997.
• Nature An Open Ended Equity Linked Savings
  Scheme (ELSS).
• Options Growth Dividend Payout, Dividend
  reinvestment.
• Investor Profile Investors seeking high
  returns at relatively medium risk cross
  long term horizon by investing in equity
  equity linked schemes.
• Entry Load NIL
• Exit Load 1 - If redeemed on or before 36
  months, NIL- If redeemed after 36 months.
  (There will be no Exit Load on Direct
  Applications.)
• Minimum Application Amt. Rs. 500/-
• Systematic Investment Plan (SIP)
• Entry Load NIL
• Exit load 1 If redeemed on or before one
  year from the date of
  allotment for each SIP installment.
• Monthly SIP Minimum 6 post dated cheques
  for a minimum of Rs.500/- each
• Quarterly SIP Minimum 4 post dated cheques
  for a minimum of Rs.500/-
  each
• Auto Debit facility under SIP is available.
• Benchmark BSE 200

11
Sahara Growth Fund
Value Research Rating????
Performance of the Fund as on 30.10.09
Dividend History
Returns (in ) Annualised.
12
Sahara Growth Fund
INDUSTRY WISE ASSET ALLOCATION AS ON 30.10.2009
Value Research Rating????
13
Sahara Growth Fund
Value Research Rating????
Scheme Details

• Objective The investment objective of the
  scheme is to achieve capital appreciation
  by investing in equity and equity related
  investments.
• Date of Inception August 30, 2002.
• Nature An Open Ended Scheme.
• Options Growth, Dividend payout option and
  Dividend reinvestment option
• Investor Profile Ideal for investors seeking
  high returns at market risk across medium
  to long term horizon.
• Entry Load NIL
• Exit Load 1 - If redeemed on or before 12
  months, NIL- If redeemed after 12 months.
  (There will be no Exit Load on Direct
  Applications.) Minimum Application Amt Rs.
  3000/-
• Systematic Investment Plan (SIP)
• Entry Load NIL
• Exit load 1 if redeemed on or before one
  year from the date of allotment for each SIP
  installment.
• Monthly SIP 1st cheque of Rs.1000/- along
  with minimum of 5 post dated cheques of minimum
  of Rs.1000/- each.
• Quarterly SIP 1st cheque of Rs.2000/- along
  with minimum of 3 post dated cheques of
  minimum of Rs 2000/- each.
• Auto Debit facility under SIP is available.
• Benchmark SP CNX Nifty

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Sahara MID-CAP Fund
Source Value Research Fund Card Sahara Mid
Cap Fund as on 31st October 2009.
15
Sahara MID-CAP Fund
Value Research Rating?????
Performance of the Fund as on 30.10.09
Returns (in ) Annualised.
16
Sahara Mid-Cap Fund
INDUSTRY WISE ASSET ALLOCATION AS ON 30.10.2009
Value Research Rating?????
17
Sahara MID CAP Fund
Value Research Rating?????
Scheme Details

• Objective The investment objective of the
  scheme is to achieve Long term capital
  growth at medium level of risks by investing
  primarily in Mid Cap stocks.
• Date of Inception December 31, 2004.
• Nature An open ended growth fund.
• Options Growth Plan, Dividend Plan, Growth
  Auto Payout Plan Bonus Plan
• Investor Profile Investors seeking high
  returns at relatively medium risk across
  long term horizon through growth of medium sized
  companies.
• Entry Load NIL
• Exit Load 1 - If redeemed on or before 12
  months, NIL- If redeemed after 12 months.
  (There will be no Exit Load on Direct
  Applications.) Minimum Application Rs.
  1000/-
• Systematic Investment Plan (SIP)
• Entry Load NIL
• Exit load 1 If redeemed on or before one
  year from the date of allotment for each
  SIP installment.
• Monthly SIP 1st cheque of Rs.1000/- along
  with minimum of 5 post dated cheques of
  minimum of Rs.1000/- each.
• Quarterly SIP 1st cheque of Rs.2000/- along
  with minimum of 3 post dated cheques of
  minimum of Rs. 2000/- each.
• Auto Debit facility under SIP is available.
• Benchmark SP CNX 500

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SAHARA INFRASTRUCTURE FUND
Source Value Research Fund Card Sahara
Infrastructure Fund Variable Pricing as on 31st
October 2009.
19
Sahara Infrastructure Fund

Value Research Rating?????
Performance of the Fund as on 30.10.09
Returns (in ) Annualised.
20
Sahara Infrastructure Fund
INDUSTRY WISE ASSET ALLOCATION AS ON 30.10.2009
21
Sahara Infrastructure Fund
Scheme Details

• Objective The primary objective of the scheme
  is to invest in equity and equity related
  instruments of companies comprised in the
  infrastructure and related sectors that would be
  wealth builders in the long term.
• Date of Inception April 3, 2006.
• Nature An Open Ended Growth Scheme
• Options Fixed Pricing Option / Variable
  pricing Option
• 1. Dividend Option including dividend
  reinvestment
• 2. Growth Option
• Investor Profile Ideal for investors seeking
  consistent and growing returns over a long
  period of time.
• Entry Load NIL
• Exit Load (w.e.f.01.10.09) 1 - If redeemed
  on or before 12 months, NIL- If redeemed
  after 12 months. (There will be no Exit Load on
  Direct Applications.)
• Minimum Application Rs. 1000/- under Growth
  Option Rs. 5000/- under Dividend Option.
• Systematic Investment Plan (SIP)
• Entry Load NIL
• Exit load 1 If redeemed on or before one
  year from the date of allotment for each
  SIP installment.
• Monthly SIP 1st cheque of Rs.1000/- along
  with minimum of 5 post dated cheques of
  minimum of Rs.1000/- each.
• Quarterly SIP 1st cheque of Rs.2000/- along
  with minimum of 3 post dated cheques of
  minimum of Rs. 2000/- each.
• Auto Debit facility under SIP is available.
• Benchmark S P CNX Nifty

22
Sahara Wealth Plus Fund
INDUSTRY WISE ASSET ALLOCATION AS ON 30.10.2009
23
Sahara Wealth Plus Fund
Scheme Details

• Objective The Primary objective of the fund
  would be to invest in equity and equity
  related Instruments of companies that would be
  wealth builders in the long term.
• Date of Inception September 1, 2005.
• Nature An Open ended growth scheme
• Options Fixed Pricing Option - 1.Dividend
  Option. 2. Growth Option.
• Variable
  Pricing Option - 1.Dividend Option. 2. Growth
  Option.
• Investor Profile Investors seeking consistent
  and growing returns over a long period of
  time.
• Entry Load NIL
• Exit Load 1 - If redeemed on or before 12
  months, NIL- If redeemed after 12 months.
  (There will be no Exit Load on Direct
  Applications.)
• Minimum Application Rs. 1000/-
• Systematic Investment Plan (SIP)
• Entry Load NIL
• Exit load 1 If redeemed on or before one
  year from the date of allotment for each
  SIP installment.
• Monthly SIP 1st cheque of Rs.1000/- along
  with minimum of 5 post dated cheques of
  minimum of Rs.1000/- each.
• Quarterly SIP 1st cheque of Rs. 2000/- along
  with minimum of 3 post dated cheques of
  minimum of Rs. 2000/- each.
• Auto Debit facility under SIP is available.
• Benchmark SP CNX 500.

24
Sahara Power Natural Resources Fund
Performance of the Fund as on 30.10.09
Returns (in ) Annualised.
25
Sahara Power Natural Resources Fund
INDUSTRY WISE ASSET ALLOCATION AS ON 30.10.2009
26
Sahara Power Natural Resources Fund
Scheme Details

• Objective Investments (Min 65 / Max 100) in
  equity and equity related instruments of
  companies engaged in in Power generation,
  transmission distribution and companies
  engaged in discovery, development, processing or
  distribution of natural resources.
• Inception Date June 17, 2008.
• Nature An Open Ended Growth Scheme.
• Entry Load NIL
• Exit Load (w.e.f.01.10.09) 1 - If redeemed
  on or before 12 months, NIL- If redeemed
  after 12 months. (There will be no Exit Load on
  Direct Applications.)
• Options Growth, Dividend payout option and
  Dividend reinvestment .
• Minimum Investment Rs.5000/-
• Systematic Investment Plan (SIP)
• Entry Load NIL
• Exit load 1 If redeemed on or before one
  year from the date of allotment for each
  SIP installment.
• Monthly SIP 1st cheque of Rs.1000/- along
  with minimum of 5 post dated cheques of
  minimum of Rs.1000/- each.
• Quarterly SIP 1st cheque of Rs.2000/- along
  with minimum of 3 post dated cheques of
  minimum of Rs. 2000/- each.

27
Sahara Banking Financial Services Fund
Performance of the Fund as on 30.10.09
Returns (in ) Annualised.
28
Sahara Banking Financial Services Fund
Source Valueresearchonline.com dated 5th
November 09. (Top 10 Funds Performance
Category Open Ended  - Equity -  1 Year Return )
29
Sahara Banking Financial Services Fund
INDUSTRY WISE ASSET ALLOCATION AS ON 30.10.2009
30
Sahara Banking Financial Services Fund
Scheme Details

• Objective Investment objective would be to
  provide long term capital appreciation
  through investment in equities and equities
  related securities of companies engaged in
  Banking Financial service, either whole
  or in part.
• Inception Date September 16, 2008.
• Nature An Open Ended Sectoral Growth Scheme.
• Entry Load Nil.
• Exit Load (w.e.f.01.10.09) 1 - If redeemed
  on or before 12 months, NIL- If redeemed
  after 12 months. (There will be no Exit Load on
  Direct Applications.)
• Options Growth, Dividend payout option and
  Dividend reinvestment.
• Minimum Investment Rs.5000/-
• Systematic Investment Plan (SIP)
• Monthly SIP 1st cheque of Rs.1000/- along
  with minimum of 5 post dated cheques of
  minimum of Rs.1000/- each.
• Quarterly SIP 1st cheque of Rs.2000/- along
  with minimum of 3 post dated cheques of
  minimum of Rs2000/- each.
• Auto Debit facility under SIP is available.
• Benchmark SP CNX BANK INDEX .

31
SAHARA SUPER 20 FUND
Scheme Details

• Objective The investment objective of the
  scheme is to provide long term capital
  appreciation by investing in predominantly
  equity and equity related securities of
  around 20 companies selected out of the top
  100 largest market capitalization companies,
  at the point of investment.
• Inception Date July 31, 2009.
• Nature An Open Ended Growth Scheme.
• Entry Load NIL
• Exit Load (w.e.f.01.10.09) 1 - If redeemed
  on or before 12 months, NIL- If redeemed
  after 12 months. (There will be no Exit Load on
  Direct Applications.)
• Options Growth, Dividend payout option and
  Dividend reinvestment .
• Minimum Investment Rs.5000/-
• Systematic Investment Plan (SIP)
• Entry Load NIL
• Exit load 1 If redeemed on or before one
  year from the date of allotment for each
  SIP installment.

32
SAHARA SUPER 20 FUND
INDUSTRY WISE ASSET ALLOCATION AS ON 30.10.2009
33
Sahara super 20 fund
Performance of the Fund as on 30.10.09
Returns (in ) Absolute.
34
SAHARA STAR VALUE FUND
Scheme Details

• Objective The investment objective of the
  scheme is to provide long term capital
  appreciation by investing in predominantly
  equity and equity related securities based on
  value parameters.
• Inception Date September 14, 2009
• Nature An Open Ended Growth Scheme.
• Entry Load NIL
• Exit Load (w.e.f.01.10.09) 1 - If redeemed
  on or before 12 months, NIL- If redeemed
  after 12 months. (There will be no Exit Load on
  Direct Applications.)
• Options Growth, Dividend payout option and
  Dividend reinvestment .
• Minimum Investment Rs.5000/-
• Systematic Investment Plan (SIP)
• Entry Load NIL
• Exit load 1 If redeemed on or before one
  year from the date of allotment for each
  SIP installment.

35
SAHARA STAR VALUE FUND
INDUSTRY WISE ASSET ALLOCATION AS ON 30.10.2009
36
SIPs A better way to invest
37
SAHARA LIQUID FUND
Source Value Research Fund Card Sahara Liquid
Fund Variable Pricing as on 30th October, 2009.
38
SAHARA INCOME FUND
Source Value Research Fund Card Sahara Income
Fund as on 30th October, 2009.
39
SAHARA GILT FUND
Performance of the Fund as on 30.10.09
Returns Annualised.
40
SAHARA GILT FUND
Scheme Details

• Objective To generate risk free return and
  thus provide medium to long term capital
  gains with income distribution along with
  capital gains tax relief to its investors at all
  times emphasizing the importance of
  capital appreciation.
• Date of Inception February 21,2002
• Nature An Open Ended Gilt Fund
• Options Growth, Dividend Payout, Dividend
  reinvestment
• Investor Profile Ideal for investors with low
  moderate risk appetite, PF Trusts, Financial
  Institutions / Banks Corporate.
• Entry Load Nil.
• Exit Load Nil.

41
SAHARA INCOME FUND
Value Research Rating?????
Performance of the Fund as on 30.10.09
Annualised Returns.
42
SAHARA INCOME FUND
Value Research Rating?????
Scheme Details

• Objective The objective of the scheme is to
  generate regular income and the secondary
  objective is growth of capital through
  investments in debt instruments, money market and
  related securities, while at all times
  emphasizing the importance of capital
  preservation .
• Date of Inception February 21, 2002
• Nature An Open Ended Income Fund
• Options Growth, Dividend Payout, Dividend
  reinvestment
• Investor Profile Ideal for investors seeking
  reasonable returns at relatively lower risk
  across a medium to long term investment
  horizon.
• Entry Load Nil
• Exit Load Nil
• Minimum Application Amt Rs. 3000/-
• Benchmark Crisil Composite Bond Fund Index

43
SAHARA LIQUID FUND
Value Research Rating?????
Scheme Highlights
CRISIL Rating AAAf

• Sahara Liquid Fund is rated AAAf by CRISIL.
• Assets invested predominantly in AAA / A1/ P1
  Corporate Assets, with the balance invested in
  call/deposits repos.
• Redemption proceeds available through designated
  centers flexibility !
• Direct transfer of funds through key select
  leading Banks - convenience !
• Purchase at Previous Days NAV your money starts
  earning interest immediately !
• Sahara Liquid Fund - VP-Growth - 5 star (?????)
  rated fund by valueresearch as on 30.10.2009.

44
SAHARA LIQUID FUND
Value Research Rating?????
CRISIL Rating AAAf
Performance of the Fund as on 30.10.09
Base date of index being 31/03/2002
Returns Annualised.
45
SAHARA LIQUID FUND
Value Research Rating?????
Scheme Details

• Objective To create a highly liquid portfolio
  of good quality debt as well as money
  market instruments with a view to provide high
  liquidity and reasonable returns to the
  investor.
• Date of Inception February 19,2002
• Nature An Open Ended Liquid Scheme
• Options
• Investor Profile Ideal for investors who wish
  to park their short term surpluses at
  relatively low risk. Corporate and High Net
  Worth investors and individual investors who have
  temporary surpluses can benefit from this
  scheme.
• Entry Load Nil
• Exit Load Nil
• Minimum Application Amt Rs. 10000/-
• Benchmark Crisil Liquid Fund Index

CRISIL Rating AAAf
46
SAHARA CLASSIC FUND
Performance of the Fund as on 30.10.09
Returns Annualised.
47
SAHARA CLASSIC FUND
Scheme Details

• Objective The objective of the scheme is
  to generate returns by investing
  in debt Instruments including money market
  instruments and also to invest in equity and
  equity related instruments to seek
  capital appreciation.
• Date of Inception February 1,2008
• Nature An Open Ended Income Fund
• Options Growth, Dividend Payout, Dividend
  reinvestment
• Investor Profile Ideal for investors seeking
  reasonable returns at relatively lower risk
  across a medium to long term investment horizon.
• Entry Load Nil.
• Exit Load Nil.
• Minimum Application Amt
• Dividend Option Rs. 5000/- and additional
  in multiples of Rs. 1000/-
• Growth Option Rs. 1000/- and additional in
  multiples of Rs. 1000/-
• Benchmark Crisil MIP Blended Index

48
SAHARA SHORT TERM BOND FUND
CRISIL Rating AAAf
Scheme Details

• Objective To generate optimal returns
  consistent with moderate levels of risk
  and liquidity by investing in debt securities
  and money market securities.
• Date of Inception APRIL 13, 2009
• Nature An Open Ended Income Fund
• Options Growth, Dividend reinvestment.
• Entry Load Nil
• Exit Load 0.10 if redeemed between 0-15 days
  from the date of allotment of units.
• No exit load if
  redeemed after 15 days.
• Minimum Application Amt Rs.5000/- and in
  multiples of Rs.1/-.
• Benchmark CRISIL Liquid Fund Index

49
SAHARA SHORT TERM BOND FUND
CRISIL Rating AAAf
Performance of the Fund as on 30.10.09
Absolute Returns.
50
SAHARA interval FUNDQuarterly plan Series - 1

• Investment objective To generate returns with
  low volatility through a portfolio of debt
  and money market instruments with a provision to
  offer liquidity at periodic intervals.
• Type of Scheme A Debt Oriented Interval Fund
• Options Dividend (including re-investment)
  Growth.
• Interval Tenure Three Months.
• Minimum Application Amt Rs.5,000/- and in
  multiple of Rs.1./- thereafter.
• One can buy/switch over units during specified
  transaction period as under
• Months Dates
• March 12 16
• June 12 16
• December 12 16
• September 12 16
• No exit load for redemption during specified
  transaction period .

51

• Contact Office Sahara Asset Management Co. Pvt.
  Ltd.
• 97-98, Atlanta,
  Nariman Point,
• Mumbai 400021.
• Telephone [phone]
• SMS MUTUAL to 59090
• Website www.saharamutual.com
• Email saharamutual_at_saharamutual.com

52
Disclaimer

• Scheme Classification Objective Sahara Gilt
  Fund is an open ended gilt scheme investing 100
  in Central/State government securities with a
  view to generate credit risk free returns and
  thus provide medium to long term capital gains
  income distribution. Sahara Income Fund is an
  open-ended income scheme with a primary objective
  to generate regular income and secondary
  objective of capital growth through investment in
  debt instruments and money market and related
  securities. Sahara Liquid Fund is an open ended
  liquid scheme with an investment objective to
  provide high liquidity and reasonable returns to
  unit holders from a portfolio of good quality
  debt related instruments Money Market
  Instruments. Sahara Growth Fund is an open-ended
  scheme with an investment objective to achieve
  capital appreciation by investing in equity
  equity related instruments and debt money
  market instruments. Sahara Tax Gain Fund is an
  open ended equity linked savings scheme with an
  objective to provide immediate tax relief and
  long term growth of capital to investors with
  equity equity related instruments. Sahara
  Mid-Cap Fund is an open ended growth Fund with an
  objective to achieve long term capital growth at
  medium level of risks by investing primarily in
  mid cap stocks. Sahara Wealth Plus Fund is an
  open ended growth fund with an objective to
  invest in equity and equity related instruments
  of companies that would be wealth builders in the
  long run. Sahara Infrastructure Fund is an open
  ended growth fund with an investment objective to
  provide income distribution and/or medium to long
  term capital gains by investing in equity/equity
  related instruments of companies mainly in the
  Infrastructure sector. Sahara R.E.A.L Fund A 3
  year close ended equity fund with an investment
  objective would be to provide long term capital
  gains by investing predominately in equity/equity
  related instrument of companies in the Retailing,
  Entertainment Media, Auto and Auto Ancillaries
  and Logistics sector. Sahara Classic Fund is an
  open ended income scheme with an investment
  objective to generate returns by investing mainly
  in debt and debt related instruments including
  money market instruments and also to invest a
  portion of the fund in equity and equity related
  instruments to seek capital appreciation. Sahara
  Power Natural Resources Fund is an open ended
  growth Fund with an objective to generate long
  term capital appreciation through investment in
  equities and equity related securities of
  companies engaged in the business of generation,
  transmission, distribution of Power or in those
  companies that are engaged directly or indirectly
  in any activity associated in the power sector or
  principally engaged in discovery, development,
  production, processing or distribution of natural
  resources. Sahara Banking and Financial Services
  is an open ended growth fund with an investment
  objective to provide long term capital
  appreciation through investment in equities and
  equities related securities of companies whose
  business comprise of Banking / Financial
  services, either whole or in part. Sahara
  Interval Fund Quarterly Plan Sr 1 is an open
  ended interval fund to generate returns with low
  volatility through a portfolio of debt and money
  market instruments with a provision to offer
  liquidity at periodic intervals. Sahara Short
  term Bond Fund The investment objective of the
  Scheme is to generate optimal returns consistent
  with moderate levels of risk and liquidity by
  investing in debt securities and money market
  securities. Risk Factors Mutual Funds and
  securities investments are subject to market
  risks and the NAV of the scheme may go up or down
  depending upon the factors affecting the
  securities market. There can be no assurance or
  guarantee that the Scheme objectives will be
  achieved. The past performance of the previous
  scheme, sponsor or its group affiliates is not
  indicative of and does not guarantee future
  performance of the scheme. The sponsor is not
  responsible or liable for any loss or shortfall
  resulting from the operations of the scheme
  beyond the initial contribution of Rs. 1 lakh
  made by it towards setting up of the Mutual Fund.
  Sahara Gilt Fund, Sahara Income Fund, Sahara
  Liquid Fund, Sahara Growth Fund, Sahara Tax Gain,
  Sahara Midcap Fund, Sahara Wealth Plus Fund,
  Sahara Infrastructure Fund , Sahara R.E.A. L
  Fund, Sahara Classic Fund , Sahara Power
  Natural Resources Fund and Sahara Banking
  Financial Services Fund, Sahara Interval Fund ,
  Sahara Short Term Bond Fund are only the names of
  the scheme and do not in any manner indicate
  either the quality of the scheme, its future
  prospects or the returns. Please read the scheme
  Information Document carefully before investing.
  Applicable Load Sahara Liquid Fund Exit
  Entry Nil, Sahara Gilt Fund Entry Load Nil
  Exit Load Nil . Sahara Income Fund Entry and
  Exit Load Nil Sahara Growth Fund/ Sahara
  Midcap Fund / Sahara Wealth Plus Fund / Sahara
  Infrastructure Fund/ Sahara Super 20 Fund/Sahara
  Star Value Fund Entry Load Nil, Exit Load 1
  - If redeemed on or before 12 months, Nil - If
  redeemed after 12 months. (There will be no Exit
  Load on Direct Applications.). Sahara Tax Gain
  Fund Entry Load Nil, Exit Load 1 - If
  redeemed on or before 36 months, Nil - If
  redeemed after 36 months Sahara Short Term Bond
  Fund Entry Load Nil Exit Load 0.10 if
  redeemed between 0-15 days from the date of
  allotment of units. No exit load if redeemed
  after 15 days. Statutory Details Sahara Mutual
  Fund has been set up as a trust under the Indian
  Trust Act 1882 (liability restricted to the
  corpus of Rs.1 lakh) with Sahara India Financial
  Corporation Limited as sponsor and Board of
  Trustees as Trust and Sahara Asset Management
  Company Private Limited as the Investment Manager
  to Sahara Mutual Fund.
• Value Research Rating (For Sahara
  Infrastructure Fund, Sahara Midcap Fund, Sahara
  Growth Fund, Sahara Wealth Plus Fund,Sahara
  Liquid Fund, Sahara Tax Gain Fund and Sahara
  Income Fund) Value Research Fund Ratings are a
  composite measure of historical risk-adjusted
  returns. In the case of debt funds this rating is
  based on the weighted average weekly returns for
  the last 18 months. These ratings do not take
  into consideration any entry or exit load. The
  Value Research Ratings are published in Monthly
  Mutual Fund Performance Report and Mutual Fund
  Insight. These fund ratings are as on September
  30, 2009. The ratings are subject to change every
  month. The rating is based on primary data
  provided by funds, Value Research does not
  guarantee accuracy. It is purely quantitative and
  there is no subjective component to the Fund
  Rating. The assessment does not reflect Value
  Researchs opinion of the future potential of any
  fund. It only gives a quick summary of how a fund
  has performed historically relative to its peers.
  Source (www.valueresearchonline.com)
• CRISIL Ratings The assigned rating AAAf is
  valid only for Sahara Short Term Bond Fund
  Sahara Liquid Fund. The rating of CRISIL is not
  an opinion of the Asset management Companys
  willingness or ability to make timely payments to
  the investor. These rating is also not an
  opinion on the stability of the NAV of the Fund,
  which could vary with market developments.