All Product Labelling Disclosures


All Product Labelling Disclosures


SCHEME NAMES This product is suitable for investors who are seeking* Riskometer

L&T Cash Fund - An open ended debt scheme investing in overnight securities: • Reasonable returns with lower volatility and higher liquidity over short term • Investment in debt and money market instruments with overnight maturity

L&T Liquid Fund - An open ended liquid scheme: • Generation of reasonable returns while maintaining safety and superior liquidity over short term • Investment predominantly in highly liquid money market instruments,government securities and corporate debt.

L&T Ultra Short Term Fund - An open ended ultra-short term debt scheme investing in instruments such that the Macaulay duration of the portfolio is between 3 months to 6 months (please refer to page no.16 under the section “Asset Allocation Pattern” in the SID for details on Macaulay’s Duration)#: • Generation of reasonable and stable income and liquidity over short term • Investments predominantly in highly liquid money market instruments, government securities and corporate debt

L&T Short Term Bond Fund - An open ended short term debt scheme investing in instruments such that the Macaulay duration of the portfolio is between 1 year to 3 years (please refer to page no.16 under the section “Asset Allocation Pattern” in the SID for details on Macaulay’s Duration)#: • Generation of regular returns over short term •Investment in fixed income securities of shorter term maturity.

L&T Arbitrage Opportunities Fund - An open ended scheme investing in arbitrage opportunities: • Generation of reasonable returns over short to medium term • Investment predominantly in arbitrage opportunities in the cash and derivatives segments of the equity markets; and debt and money market instruments

L&T Money Market Fund - An open ended debt scheme investing in money market instruments: • Generation of regular income over short to medium term • Investment in money market instruments
L&T Banking and PSU Debt Fund - An open ended debt scheme primarily investing in debt instruments of banks, public sector undertakings, public financial institutions and municipal bonds: • Generation of reasonable returns and liquidity over short term • Investment predominantly in securities issued by Banks, Public Sector Undertakings and Public Financial Institutions and municipal corporations in India

L&T Low Duration Fund - An open ended low duration debt scheme investing in instruments such that the Macaulay duration of the portfolio is between 6 months to 12 months (please refer to page no.16 under the section “Asset Allocation Pattern” in the SID for details on Macaulay’s Duration)#: • Generation of reasonable returns over short to medium term • Investment in fixed income securities and money market instruments

L&T Credit Risk Fund - An open ended debt scheme predominantly investing in AA and below rated corporate bonds: • Generation of regular returns and capital appreciation over medium to long term • Investment in debt instruments(including securitized debt), government and money market securities

L&T Flexi Bond Fund - An open ended dynamic debt scheme investing across duration: • Generation of reasonable returns over medium to long term • Investment in fixed income securities

L&T Triple Ace Bond Fund - An open ended debt scheme predominantly investing in AA+ and above rated corporate bonds: • Generation of regular and stable income over medium to long term • Investment predominantly in AA+ and above rated corporate bonds and money market instruments

L&T Gilt Fund - An open ended debt scheme investing in government securities across maturity: • Generation of returns over medium to long term • Investment in Government Securities

L&T Resurgent India Bond Fund - An open ended medium term debt scheme investing in instruments such that the Macaulay duration of the portfolio is between 3 years to 4 years (please refer to page no. 17 under the section “Asset Allocation Pattern” in the SID for details on Macaulay’s Duration)#: • Generation of income over medium term • Investment primarily in debt and money market securities

L&T Equity Fund - An open ended equity scheme investing across large cap, mid cap, small cap stocks: • Long term capital growth • Investment predominantly in equity and equity-related securities

L&T Tax Advantage Fund - An open ended equity linked saving scheme with a statutory lock in of 3 years and tax benefit: • Long term capital growth • Investment predominantly in equity and equity-related securities

L&T Large and Midcap Fund - An open ended equity scheme investing in both large cap and mid cap stocks: • Long term capital growth • Investment predominantly in equity and equity-related securities, with minimum allocation of at least 35% each to large cap and mid cap companies

L&T India Large Cap Fund - An open ended equity scheme predominantly investing in large cap stocks: • Long term capital appreciation • Investment in equity and equity related securities, including equity derivatives in the Indian markets and foreign securities; with predominant investments in large cap stocks

L&T India Value Fund - An open ended equity scheme following a value investment strategy: • Long term capital appreciation • Investment predominantly in equity and equity-related securities in Indian markets and foreign securities, with higher focus on undervalued securities

L&T Balanced Advantage Fund (Formerly known as L&T Dynamic Equity Fund) - An open ended dynamic asset allocation fund: • Long term capital appreciation and generation of reasonable returns • Investment in equity and equity related instruments, derivatives and debt and money market instruments

L&T Hybrid Equity Fund - An open ended hybrid scheme investing predominantly in equity and equity related instruments: • Long term capital appreciation and generation of reasonable returns • Investment in equity and equity-related securities and debt and money market instruments.

L&T Equity Savings Fund - An open ended scheme investing in equity, arbitrage and debt: • Generation of regular income by predominantly investing in arbitrage opportunities in the cash and derivatives segment and long–term capital appreciation through unhedged exposure to equity and equity related instruments. • Investment in equity and equity related instruments, derivatives and debt and money market instruments

L&T Conservative Hybrid Fund - An open ended hybrid scheme investing predominantly in debt instruments: • Generation of regular income over medium to long term • Investment in debt, equity and money market securities

L&T Focused Equity Fund - An open ended equity scheme investing in maximum 30 stocks in large, mid and smallcap companies: • Long term capital appreciation • Investment in a concentrated portfolio of equity and equity related instruments of maximum 30 stocks.

L&T Midcap Fund - An open ended equity scheme predominantly investing in mid cap stocks: • Long term capital appreciation • Investment primarily in midcap equity and equity-related securities

L&T Infrastructure Fund - An open-ended equity scheme investing in infrastructure sector: • Long term capital appreciation • Investment predominantly in equity and equity-related instruments of companies in the infrastructure sector

L&T Emerging Businesses Fund - An open-ended equity scheme predominantly investing in small cap stocks: • Long term capital appreciation • Investment predominantly in equity and equity-related securities, including equity derivatives in Indian markets with key theme focus being emerging companies (small cap stocks); and foreign securities

L&T Business Cycles Fund - An open–ended equity scheme following business cycles based investing theme: • Long term capital appreciation • Investment predominantly in equity and equity-related securities, including equity derivatives in Indian markets with focus on riding business cycles through dynamic allocation between various sectors and stocks at different stages of business cycles in the economy

SCHEMES NAMES AND PRODUCT SUITABILITY

L&T Cash Fund - An open ended debt scheme investing in overnight securities:ᵟ • Reasonable returns with lower volatility and higher liquidity over short term • Investment in debt and money market instruments.

L&T Liquid Fund - An open ended liquid scheme:ᵟ • Generation of reasonable returns while maintaining safety and superior liquidity over short term • Investment predominantly in highly liquid money market instruments,government securities and corporate debt.

SCHEMES NAMES AND PRODUCT SUITABILITY
L&T Ultra Short Term Fund - An open ended ultra-short term debt scheme investing in instruments such that the Macaulay duration of the portfolio is between 3 months to 6 months (please refer to page no.16 under the section “Asset Allocation Pattern” in the SID for details on Macaulay’s Duration)#ᵟ: • Generation of reasonable and stable income and liquidity over short term • Investments predominantly in highly liquid money market instruments, government securities and corporate debt

L&T Short Term Bond Fund (Formerly known as L&T Short Term Opportunities Fund)ᵟ - An open ended short term debt scheme investing in instruments such that the Macaulay duration of the portfolio is between 1 year to 3 years (please refer to page no.16 under the section “Asset Allocation Pattern” in the SID for details on Macaulay’s Duration)#: • Generation of regular returns over short term • Investment primarily in securities issued by Banks, Public Sector Undertakings and Public Financial Institutions in India

L&T Arbitrage Opportunities Fund - An open ended scheme investing in arbitrage opportunities:ᵟ • Generation of reasonable returns over short to medium term • Investment predominantly in arbitrage opportunities in the cash and derivatives segments of the equity markets; and debt and money market instruments

L&T Money Market Fund (Formerly known as L&T Floating Rate Fund)ᵟ - An open ended debt scheme investing in money market instrumentsᵟ: • Generation of regular income over short to medium term • Investment in money market instruments

SCHEMES NAMES AND PRODUCT SUITABILITY
L&T Banking and PSU Debt Fund - An open ended debt scheme predominantly investing in debt instruments of banks, public sector undertakings, public financial institutions and municipal bonds:ᵟ • Generation of reasonable returns and liquidity over short term • Investment predominantly in securities issued by Banks, Public Sector Undertakings and Public Financial Institutions and municipal corporations in India

L&T Low Duration Fund (Formerly known as L&T Short Term Income Fund)ᵟ - An open ended low duration debt scheme investing in instruments such that the Macaulay duration of the portfolio is between 6 months to 12 months (please refer to page no.16 under the section “Asset Allocation Pattern” in the SID for details on Macaulay’s Duration)#:ᵟ • Generation of reasonable returns over short to medium term • Investment in fixed income securities and money market instruments

L&T Credit Risk Fund (Formerly known as L&T Income Opportunities Fund)ᵟ - An open ended debt scheme predominantly investing in AA and below rated corporate bonds:ᵟ • Generation of regular returns and capital appreciation over medium to long term • Investment in debt instruments(including securitized debt), government and money market securities

L&T Flexi Bond Fund - An open ended dynamic debt scheme investing across duration:ᵟ • Generation of reasonable returns over medium to long term • Investment in fixed income securities

L&T Triple Ace Bond Fund - An open ended debt scheme predominantly investing in AA+ and above rated corporate bonds:ᵟ • Generation of regular and stable income over medium to long term • Investment predominantly in AA+ and above rated corporate bonds and money market instruments

L&T Gilt Fund - An open ended debt scheme investing in government securities across maturity:ᵟ • Generation of returns over medium to long term • Investment in Government Securities

L&T Resurgent India Bond Fund (Formerly known as L&T Resurgent India Corporate Bond Fund)ᵟ - An open ended medium term debt scheme investing in instruments such that the Macaulay duration of the portfolio is between 3 years to 4 years (please refer to page no. 17 under the section “Asset Allocation Pattern” in the SID for details on Macaulay’s Duration)#ᵟ: • Generation of income over medium term • Investment primarily in debt and money market securities

SCHEMES NAMES AND PRODUCT SUITABILITY

L&T Equity Fund - An open ended equity scheme investing across large cap, mid cap, small cap stocks:ᵟ • Long term capital growth • Investment predominantly in equity and equity-related securities

L&T Tax Advantage Fund - An open ended equity linked saving scheme with a statutory lock in of 3 years and tax benefit: • Long term capital growth • Investment predominantly in equity and equity-related securities

L&T Large and Midcap Fund (Formerly known as L&T India Special Situations Fund)ᵟ - An open ended equity scheme investing in both large cap and mid cap stocks:ᵟ • Long term capital growth • Investment predominantly in equity and equity-related securities, with minimum allocation of at least 35% each to large cap and mid cap companies

L&T India Large Cap Fund - An open ended equity scheme predominantly investing in large cap stocks:ᵟ • Long term capital appreciation • Investment in equity and equity related securities, including equity derivatives in the Indian markets and foreign securities; with predominant investments in large cap stocks

L&T India Value Fund - An open ended equity scheme following a value investment strategy:ᵟ • Long term capital appreciation • Investment predominantly in equity and equity-related securities in Indian markets and foreign securities, with higher focus on undervalued securities

L&T Dynamic Equity Fund - An open ended dynamic asset allocation fundᵟ: • Generation of reasonable returns over short to medium term • Investment predominantly in arbitrage opportunities in the cash and derivatvi es segments of the equity markets; and debt and money market ni strument

L&T Hybrid Equity Fund (Formerly known as L&T India Prudence Fund)ᵟ - An open ended hybrid scheme investing predominantly in equity and equity related instruments:ᵟ • Long term capital appreciation and generation of reasonable returns • Investment in equity and equity-related securities and debt and money market instruments.

L&T Equity Savings Fund - An open ended scheme investing in equity, arbitrage and debt:ᵟ • Generation of regular income by predominantly investing in arbitrage opportunities in the cash and derivatives segment and long–term capital appreciation through unhedged exposure to equity and equity related instruments. • Investment in equity and equity related instruments, derivatives and debt and money market instruments

L&T Conservative Hybrid Fund Formerly known as L&T Monthly Income Plan)ᵟ - An open ended hybrid scheme investing predominantly in debt instruments:ᵟ • Generation of regular income over medium to long term • Investment in debt, equity and money market securities

SCHEMES NAMES AND PRODUCT SUITABILITY

L&T Midcap Fund - An open ended equity scheme predominantly investing in mid cap stocks:ᵟ • Long term capital appreciation • Investment primarily in midcap equity and equity-related securities

L&T Infrastructure Fund - An open-ended equity scheme: • Long term capital appreciation • Investment predominantly in equity and equity-related instruments of companies in the infrastructure sector

L&T Emerging Businesses Fund - An open-ended equity scheme: • Long term capital appreciation • Investment predominantly in equity and equity-related securities, including equity derivatives in Indian markets with key theme focus being emerging companies (small cap stocks); and foreign securities

L&T Business Cycles Fund - An open–ended equity scheme: • Long term capital appreciation • Investment predominantly in equity and equity-related securities, including equity derivatives in Indian markets with focus on riding business cycles through dynamic allocation between various sectors and stocks at different stages of business cycles in the economy

*Investors should consult their financial advisers if in doubt about whether the product is suitable for them.
#The Macaulay duration is the weighted average term to maturity of the cash flows from a bond. The weight of each cash flow is determined by dividing the present value of the cash flow by the price.
€ L&T Tax Saver Fund is merged with L&T Equity Fund.

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