Last updated: 1 August 2026 · RG Wealth Creation · ARN 308075
Every mutual fund scheme in India is offered through a standard set of documents prescribed by SEBI. Together they are referred to as the scheme related documents. Reading them is the single most useful thing an investor can do before committing money, and they are free.
SID — Scheme Information Document
The SID is specific to a scheme. It sets out what the scheme will invest in and the limits within which it must operate.
- Investment objective and the asset allocation range the scheme must stay within.
- The risk-o-meter level, and the risk factors specific to that scheme.
- Fees and expenses, including the total expense ratio and the exit load structure.
- Benchmark index and historical performance against it.
- Minimum investment amounts, cut-off timings and redemption terms.
- Details of the fund manager and their experience.
SAI — Statement of Additional Information
The SAI applies to the whole mutual fund rather than to one scheme, and is incorporated by reference into every SID.
- Constitution of the mutual fund, the sponsor, the trustee company and the AMC.
- Details of key personnel, the board and the custodian.
- Rights of unit holders and the procedure for grievance redressal.
- Tax provisions generally applicable, and details of legal proceedings if any.
KIM — Key Information Memorandum
The KIM is the abridged version of the SID and accompanies the application form. It contains the essential features in a condensed form. It is a summary, not a substitute — where anything matters to you, read the full SID.
Where to get the current version
- The website of the Asset Management Company, on the page for the scheme concerned.
- AMFI, which carries scheme information across the industry.
- From our office — write to tamalikaghosh1979@gmail.com and we will send you the current documents for any scheme you are considering, before you invest.
These documents prevail. Where anything on this website differs from the scheme related documents issued by the AMC, those documents are authoritative. Mutual fund investments are subject to market risks; read all scheme related documents carefully.
