Contents Introduction
Important Requirements Trading Order entry through Internet
Order entry through the branch
Important requirement for placing orders
Contract Note & Trade Bill
Miscellaneous bills
Margin Bills Banking A) If Client has an account with our Banks
B) In case clients with other bank accounts
Documentation
Payout of Funds
Pay-in of securities
Pay In of Securities / Crossings
Shortages
Payout of Securities
Change of your particulars/contact details
Reports
Q&A
Services Provided
Glossary of terms

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Introduction We are a Corporate Member of National Stock Exchange (NSE), The Stock Exchange, Mumbai and Depository Participant of National Securities Depository Limited & Central Depository Services (India) Limited. The company has pan India presence with over 800 offices across the county and a clientele of over 180000 happy customers. (Click here to visit the branch near your Area) This handbook is given to all our clients to ensure that they understand the intricacies of trading in stock market, through us. All the clients are required to go through this handbook, byelaws, rules and regulations of NSE, BSE and NSDL which are made available at all our branches and the agreement which the clients have executed with us. If any of the conditions found here is different in meaning or in contradicting the agreement, then the ones stated in agreement will prevail. At times while trading you might face a few trade related issues. To resolve the same you may contact the branch to which you are attached or you may contact Head Office as per the details specified earlier between 09.00 hrs and 18.00 hrs Services offered – Branch/ Internet

• Buying and selling of shares both on NSE and BSE
• Derivatives Trading
• Margin trading
• Depository services with NSDL
• Internet Trading with the following facilities
1. Research: Historical financials for 5,000 companies, Give your self the advantage of making informed decisions
2. Streaming Quotes: Streaming Stock And Derivatives Quotes
3. Charting: Charting allows users to view Intra-day and End of the Day prices to perform Technical Analysis.
4. Portfolio: A comprehensive Portfolio Management Console that allows creation of multiple accounts
5. News: Updated Corporate News to predict the market movements based on external factors
6. IPO: To conduct in depth analysis of new issues
• Decision Support Systems (DSS).
• On-line Technical Tools
• Information on listed companies
• Intra-day market information

Before you commence trading Are you aware that Aditya Birla Money provides back office reports- e.g. Statement of account, DP holdings & Speed E facility of NSDL These facilities are available free. You can view your trade bills, accounts, digital contract notes and Internet Trading accounts. Make sure you retain the covering letter containing your client-id from Aditya Birla Money for trading at the branch. Know your privileges- For NSE – these are Equity and derivatives trading and BSE – Equity trading (currently) i.e. the kind of trades you could make. If you are an Internet trade client, ensure you remember the user-id and password for access through Internet (Your client id is for use only at the branch) Kindly ensure all your D-mat account numbers are intimated to the Client Registration department through the Branch, with copies of the proof, for any additional DP accounts. Kindly ensure your DP account is also linked to your trading id before trading. Know the important tel/fax nos, mentioned in this manual (obtained from the branch) Please specify Market Type, Date, Settlement number and cancel off-market entry in the DP Instruction slips. Also we strongly advise you never to hand over blank slips with just your signature to anybody to avoid misuse. Important Requirements

1. By furnishing your email id - receive digitally signed contract notes, statement of account, DP holdings, statement of transactions, etc. without loss of time - Those who do not avail Internet trading and who have not furnished email id will obtain these documents from the HO Central Processing Unit.
2. Having a bank account, which is enabled for Electronic Funds Transfer (EFT) for on-line funds transfer for payout of funds and furnishing those bank account details shall speed up the transactions. c. Change in address / bank account / DP account / email id must be promptly intimated in writing to avoid confusion.
3. Change in address / bank account / DP account / email id must be promptly intimated in writing to avoid confusion.
4. Internet clients, who are not attached to any branch of Aditya Birla Money, are required to compulsorily have their Bank Account with HDFC bank, ICICI, AXIS bank as they are expected to transfer the funds online and cheques shall not be accepted. All the Internet clients are should execute Limited Power of Attorney (LPOA) for delivery of stock against sales.

Sufficient Inbox space may be maintained for receiving e-mail reports/statements to minimize the risk of bounce-off of the email, because of inadequate space. Trading Margin Clients / Cash & Carry Clients Clients are expected to have necessary upfront margin by way of Base Capital/additional Base Capital/credit balance in the account, according to the exposure expected to be availed in the equity / derivatives segment. This up front margin should not be less than the SEBI prescribed margin viz. Value At Risk (VAR) margin for Equity segment and SPAN margin for derivatives segment, The base capital can be created by way of transfer of funds through EFT / Cheque or by way of transfer of specified securities for margin to Aditya Birla Money (Broker) DP account: DP ID: IN301696 DP Name: Aditya Birla Money Ltd Client Id: 10000117. The VAR margin and SPAN margin varies for different securities and the lowest margin is 7% and can go up to a max of 100% and accordingly the client is allowed exposure between 1 and 7 times. Intra day the SPAN margins are varied by the exchange depending on the marketwise position of the specified security and the increased margin, if any, imposed by the exchange are required to be brought in by the client immediately. The latest list of securities with haircut which are accepted towards ‘base capital’ is available at all our branches. The clients also have the privilege of having exposure on the available credit balance in the account and Aditya Birla Money, based on the day end exposure, shall transfer the required margin amount from the account balances to the base capital/additional base capital. Kindly note the following in case securities are submitted for base/ additional base capital: The circumstances under which the base and additional base capital are created are as follows: The base capital is required for all day traders and margin traders and are to be maintained in cash subject to a minimum amount of Rs. 5,000 to Rs.25, 000 depending on the client’s exposure in equity and derivatives segments. Subject to the minimum amount, 3% of the Turn Over of the client’ for the Equity segment and 20% of the SPAN margin on the day end derivatives positions are expected to be kept in Cash in the base capital. Aditya Birla Money will periodically review the requirement of the client’s base capital and create /release the Base Capital based on the above set parameters. Additional base capital are temporary in nature and are required to be brought in by the client over and above the minimum amount required as Base Capital for the purpose of exposure and to meet the margin requirements. The additional base capital can be brought in either in the form of cash, securities, bank guarantees. Cash and Carry clients are required to bring only additional base capital or exposure allocation shall be made based on account balances or only on securities brought in as margins. Only specified securities are accepted with haircut as additional base capital and are Adjustable against the Margin Bills (please refer Paragraph on Margin Bill). Besides the specified securities certain other securities (non-adjustable specified securities) are accepted with haircut as Additional Base capital only for intra-day exposures and are not allowed to be adjusted against the Margin Bills.

1. The change in price of the securities shall result in corresponding increase / decrease in the value of the base capital and accordingly the exposure will stand increased / decreased.
2. The list of eligible securities for additional base capital is reviewed periodically and is available at the branches with the haircut and the securities that are removed from the list have to be replaced with the eligible securities.
3. The additional base capital created shall be returned within 24 hours on request from the client and after ensuring that there is no debit balance in the account and exposure. The base capital will be returned either at the time of closing the account or completely stopped margin trading/ day trading. However partial withdrawal of the base capital will be considered subject to retaining the minimum base capital.
4. The client can sell the securities submitted for Additional Base capital and the same will be transferred towards pay-in obligation.

Order entry through Internet Please log on to our website and scan the help menu for finding out the details of order entry through Internet. Order entry through the branch While giving the order for purchase and/or sale of security and for derivatives the client is expected to specify the exchange and market segment in which the orders are to be placed. Please check for Market Type of the particular security such as ‘Normal’ and ‘Trade for Trade’ (BE) in NSE and ‘Rollover market lot’ and Trade for Trade (T2T) in BSE. The client shall mention whether the order is for NSE/BSE and in default of mentioning the same the dealer may decide to place the order in any of the exchanges. In case of futures, the client is also expected to mention the contract month and in case of option, the strike price with option type (call / put). In the equity market in default of specifying the segment the orders will always be placed in EQ market segment. All the orders are entered only for the day unless the client otherwise chooses the following:

1. Stop loss order,
2. Immediate or cancel (IOC)

You are also expected to mention whether entire ordered quantity to be disclosed or not and in default, the dealer shall disclose the entire quantity. All orders given during the market time shall be entered and placed in the respective exchanges immediately on receipt of the same. In case of orders given during the time when the exchange is closed, all such orders shall be entered in the bulk order screen and sent to the exchange automatically within 5 minutes of exchange opening. However such post closing orders can be cancelled/modified before the opening session of the next trading day. The dealer shall confirm the status of all the orders placed by the client only at the end of the day, after the market has closed including any order, which has been not been executed/accepted by the exchange. However in case you would like to know the status of the order during the trading time, you could call the dealer and get the confirmation of the same. You also can get the net position for the trades done on the day immediately after the trading hours. Modification/cancellation of orders placed with the exchange: All orders which are confirmed by the exchanges can be modified / cancelled any time before the order is converted into trade. However such modification / cancellation will be accepted only during the trading hours. No request for making such modification/cancellation before trading hours will be entertained. Important requirement for placing orders

1. Before order is placed for squaring up of existing positions, please check the current positions
2. Order placed during trading hours for Equity in BSE can also get executed in post closure session . Hence your pending order may still be open after normal market session is over.
3. Take advantage of Post closing session, which allows you to buy and sell shares for closing positions, both in NSE and BSE.
4. All Options are American style and can be exercised before expiry date, during trading hours and if you are sure of favorable positions.
5. If you are a seller of any Options, please check for the open positions as the same could have been assigned to you.
6. In case of purchase /sale of shares in T2T Market type in NSE and securities which are listed under Trade for Trade in BSE, please do not square up the same, as all sales have to result in delivery and all purchases have to be paid for

In case of any dispute/differences in the confirmed orders/trades executed by the dealer the nature of the dispute/differences has to be communicated within 2 hours of receipt of such order/trade confirmation by fax/Email/letter to the dealer and to the Branch Manager. No oral communication shall be entertained under any circumstances. If within 48 hours such differences/disputes are not resolved the client is expected to Email to the Customer Care Cell at Email ID care@adityabirla.com Contract Note & Trade Bill At the end of the day the Central Processing Unit at Chennai shall process all the trades done separately for BSE and NSE. Contract notes will be dispatched from Head office the next day for each exchange and each segment separately. Trade bills will be provided at the respective branch the next day of trading. In case of clients, who have furnished email ids, they will be provided with digitally signed contract notes and trade bill on the same day. The contract note will contain the following:

• Date of execution
• Trade time
• Trade no
• Settlement No
• Security traded
• Quantity
• Execution rate
• Brokerage
• Transaction Charge
• Service Tax
• Net rate
• Securities Transaction charges

Trade bill will contain the following:

• Date of execution
• Settlement No
• Net Qty Bought
• Net Quantity sold
• Average Rate
• Transaction charges
• Service Tax
• Amount Due from you
• Amount Due to you

The Profit/Loss of the derivatives position based on the last traded price will also form part of the derivatives Trade Bill. In case of discrepancies client should inform the same through the branch by mail or email. Miscellaneous bills: Miscellaneous bills are raised towards Bank Charges, regular DP charges, delayed payment interest and any other such charges. These are expected to be paid along with the regular trade bills. Margin Bills: The client is expected to have up front margin for all the exposure, both in Equity and derivatives market, in the form of Base Capital/ Additional Base Capital and account credit balance. In case the upfront margin already paid is inadequate, where margin has been eroded due to M T M losses or where the exposure has been allowed based on unadjustable securities available/ brought in or where additional margin has been imposed by the Exchange authorities, the Margin Bill is raised for the deficit and is required to be paid before commencement of trading the next day. For this purpose, the branch will inform the client over telephone (or email) the following morning. However Internet clients’ margin bills shall be sent by mail. In case of Equity, the delivery for the sales or payment towards purchases are made before the commencement of the next trading session, the margin bill may be ignored subject to ensuring that there are no other equity exposures, as VAR margin and MTM loss are computed for the previous 2 trading days exposures. This will not be reflected in the statement of accounts, as it is computed afresh everyday canceling the previous day’s margin. However a footnote is made available in the Statement of Account indicating the Margin Bill payable as on that date. Margin Default: If the Margin Bill or part of it is not paid before the commencement of next trading session, Aditya Birla Money shall square up fully or partially the existing derivatives positions to the extent of the Margin default amount and in case of Equity, any of the existing shares and /or the ones expected to be received from the exchange for which the Margin bill, if any, has been raised, will be sold to the extent of the Margin default. Aditya Birla Money reserves the right to dispose off or delay the process of sale of the securities/ square up the existing positions, without assigning reasons. Please do not assume that Aditya Birla Money will automatically exercise the option to square up the securities or positions. Pay-in of Funds

1. If Client has an account with any of the following Banks:
   1. HDFC Bank
   2. ICICI Bank
   3. AXIS bank
      Option 1: The Client can directly transfer funds through INTERNET, to the company’s account and send an email (care@adityabirla.com) giving the details of transfer. The Credit will be reconciled immediately.
      1. In case of HDFC Bank and AXIS Bank, when a client transfers funds through Internet, the bank automatically provides the account no. from where the funds is getting transferred to our account.
      2. In case of ICICI Bank, the Client has to specify his Bank account no. in the narration when he transfers funds through Internet, as ICICI Bank doesn’t provide the Bank Account no.
      Option 2: The Client doesn’t have Internet Facility or he doesn’t transfer funds thru internet, but issues cheques for payin, in such cases the cheque has to be handed over to the nearest Branch .The Client will be given credit on the same day based on the email received from the Branch and reconciliation will be done on realization of the Cheques. It is strictly advised that the Client should not directly deposit cheques in our account.
   4. In case client has an account with other banks:
      Option 1:The Client should hand over the Cheques/DDs/Payorders to the nearest Branch. The Client has to issue only Local Cheques/Locally Drawn DDs/Payorders.
      Option 2:The Client can take DDs/Payorders payable at Chennai & directly courier to Head office with the details mentioned in a separate paper duly signed by him.(DD no., DD Amount, Date, Client Code).On receiving the DDs / Pay orders, the client will be given credit.
   Documentation:
   The client should provide us in case if he wants to make payin by transfer of funds thru Internet: -
   If the Client maintains account with any of the following banks
   1. HDFC Bank
   2. ICICI Bank
   3. AXIS bank
      1. Blank Cheque, duly cancelled, duly signed and
      2. Xerox Copy of His/Her Bank Statement.
   Note: The Client has to provide the above Bank proofs before he does a Transfer through Internet.
   The required proof has to be sent to Registration Department with a covering letter mentioning the subject to be “Internet Funds Transfer”.
   The Letter should also contain:
   1. His/Her email ID,
   2. Contact telephone No.
   3. Cell Number if he has one.
   4. The client should duly sign the Covering Letter.
   Note: Only those Clients who maintain account with the 3 banks mentioned above, are allowed to transfer funds through Internet.

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   Acknowledgement for Fund transfers & Cheque Deposits:
   1. In case of Fund transfers thru Internet:
      The Client can view his statement of account on the same day to check whether his account has been credited for the amount transferred by him.
   2. In case of Clients other than (1) above: The Client should demand acknowledgement from the respective Branch, for the cheques he has handed over to them.
   Payout of Funds:
   Payout of Funds will be made on receipt of Requests from the clients.
   Calculation of Payout:
   Payout:Payout due = Settlement Due Less Future Debits Less Margin payable by Client

   Settlement Due: In case of Cash Market Segment: T+2 working days (T= Trading Day) In case of Derivative Segment: T+1 working day Working Days exclude Saturdays, Sundays and other declared holidays by the exchange

   1. Payout request from Internet Clients:
      1. Payout request directly from Internet Clients:
         1. The Client can directly send an email requesting for payout of funds.
         2. The Email should contain the following details:
            Client Code, Amount (Payout due Amount will always be calculated as mentioned above). In case if the client requires any amount less than the Payout due amount, he should specify the amount, otherwise the entire Payout due amount will be released to him.
            The Client has to necessarily send the payout request thru email.
      2. Payout request from Internet Clients through the respective Branch
         The Client can also send his request for payout of funds to the nearest Branch
   2. Payout request from Non-Internet Clients
      All the payout requests should be routed through the respective Branch/Franchisee/Authorized person. No direct request from the clients will be accepted. Hence the Clients are requested to give their payout requests to the concerned Branches/Franchisee/Authorized person.

   Payout of Funds will be processed within 24 hours from the receipt of the Request, provided the request is made in time

   Mode of payout of Funds:
   Payout will be made either thru Fund transfer, Cheques, DDs, Pay-orders:
   1. Clients having account with any of the following Banks:
      HDFC Bank, ICICI Bank, AXIS Bank, Payout will be made directly to the Bank account of the client by depositing the cheques in the respective account of the client based on the Bank proof lodged with us. If the client requests the cheque to be sent to him, then the cheques will be dispatched to the concerned Branch from where he can collect the cheques.
   2. Clients having account with those banks, which is covered by RBI-EFT Scheme
      Payout will be directly made to the Bank account of the client, thru RBI-EFT. Provided the client had submitted the Bank Proof
      1. Blank Cheque, duly cancelled, duly signed
      2. Xerox copy of His/Her Bank Statement
   3. In other cases not covered under (a) and (b)
      Payout will be made thru Demand Draft or at par cheques, or pay orders.

   c. Note: All the payouts will be made as Account Payee Cheques/Demand Drafts/Pay orders in the name of the client as registered with us. In certain cases, even the Bank name & the Bank account no. (as mapped) will also be mentioned in the Instruments.

   Pay-in of securities
   The Pay-in of securities has to be completed on or before next working day of the trade and it is the responsibility of the client to confirm with the dealer that the delivery has been received by Aditya Birla Money.
   Aditya Birla Money shall accept pay-in from four different DP accounts of the client provided such DP accounts are already registered in our records.
   The client has to fill the DP delivery instruction slip (Annexure L) properly giving the CM pool account number of Aditya Birla Money correctly.
   For NSE Trades: CMBPID: IN557962
   For BSE Trades: CMBPID: IN601847
   If any wrong entry is made, there is every possibility that the delivery going to some other DP. If the client is finding it difficult to fill up the DP instruction, it is advisable that they take the assistance of our dealers in filling up the same.
   Clients are also advised to refer to the Settlement Calendar details available with the branch prior to filling the delivery instruction (for instance settlement type/ number /date)
   the Exchange in advance on a quarterly basis and is circulated among the market participants. The settlement calendars so drawn have been strictly adhered to by the Exchange and there has been generally no case of clubbing of settlements or postponement of pay-in and/ or pay-out. There will be no deviations from the stated calendar.
   The delivery instructions can also be executed through NSDL’s Speed-E, which facilitates transfer of securities from your account to the CM Pool Account through the Internet without submitting physical papers (Annexure L) to your DP.
   FOR INTERNET CLIENTS:
   For Internet clients it is mandatory to submit Limited Power of Attorney. We accept Limited Power of Attorney in the name of the company and wherever the Limited Power of Attorney has been given, the company automatically takes the delivery from the DP account for meeting the selling obligations.
   The properly filled in DP instructions are to be handed over to our dealer provided the transfer is from your Aditya Birla Money DP account only. However if the transfer is from an outside DP the instruction slip may be handed over to the DP and the copy of the DP's acknowledgement may be handed over or intimated to the dealer, for the purpose of follow-up until the PAY-In time of the exchange is over.
   We register the DP accounts of the clients provided such DP account is in the name of the client or jointly with any other party only. No third party DP will be registered in our records for your PAY-IN, under any circumstances
   Pay In of Securities / Crossings
   Your securities being sold may be available in the form of Additional Base Capital, Dues account pending release to your account or already purchased yet to be received from the Exchange and are expected to be received before the PAY-In date (inter-settlement crossing), we do automatic crossings to meet your PAYIN obligations in the following manner. However the crossings are done only for the next day’s obligations alone.
   Please do not give crossings instructions for PAY IN Obligations beyond the next day’s obligations. Pay- In is subject to verification of deliveries. Excess Pay-in of stock will be released subject to overdue debits.
   Shortages
   The shares for pay-in obligation were not delivered, for the particular settlement, before specified time viz T+1 basis, the client will be debited on T + 2 day with valuation amount, which is the closing price on the T+2 day of the security.
   The client whose shortages have been auctioned by exchange authorities shall be debited by the auction price after deducting the valuation debit already made on T+ 5 day (the auction date)
   In case of shortages which do not result in shortages to the exchanges as the buyer of the security is another client of Aditya Birla Money itself, then 110% of closing price on the auction date or the valuation debit, whichever is higher will be debited to the client account.
   The bill shall be sent to the client by post/e-mail along with the other contract notes.
   Payout of Securities
   We shall transfer all the stock purchased by the clients within 12 hours of the exchange pay-out to your DP account, registered in our records for pay-out of documents, subject to the paragraph below mentioned. However, in case of document which has not been paid-out by the exchange or due to internal shortages the company is unable to deliver the documents, the client will be given the square-up credit as per the auction calculations mentioned for delivery shortages (previous paragraph). This square-up credit shall be given within 48 hours of the auction date.
   The payout of the documents shall be made to the client account after the crossing for subsequent selling position (next day PAY IN obligation) and after ensuring that there is no overdue Trade and margin bills (withheld to the extent of 200% of the value of outstanding bills
   Release of withheld securities:
   The stock withheld shall be released on daily basis. It is discretionary on the part of the company to partially release the stock based on part payments made.
   Brokerage structure:
   We have evolved competitive brokerage structure considering the demands of the clients. The details of the present brokerage structure can be availed from branch.
   Besides the brokerage, the client shall pay the company applicable service tax presently at 10.3% on the brokerage, stt, Transaction Charges and stamp duty as per the statutory requirements.
   Change of your particulars registered with us
   1. Change of address
      In case you have changed your residential or correspondence address, please forward your request letter duly signed, mentioning clearly your Client id with the with one of the following as proof of your new address
      • Ration card
      • Bank Pass Book / Account Statement
      • Passport
      • Voter ID
      The copy of one of the above may attested by any of our branches and forwarded through by the branch clearly super scribing the change
   2. Status of DP:
      Any changes in the existing DP account with us or any of the other DP shall be intimated through the branches, giving copy of the Statement of Holding/bill from the new DP.
   3. Change in existing Bank account
      In case of any changes in your Bank account for the purpose of Pay In and Pay Out of funds, kindly intimate the same through the branches along with the cancelled MICR cheque leaf or copy for addition. In case you change the PAY Out account, please indicate amongst one PayIn account to be converted into PayIn/ PayOut account.
   4. Change in Email id:
      Any Change in email-id may be indicated as all email communications are sent to current email-id available in our records.
   5. Name Change:
      Copy of gazette notification shall have to be submitted. If any error in spelling is noticed, please intimate to at the earliest.
   6. Nomination for DP account:
      Please use the standard form prescribed by NSDL with necessary supporting document viz. photograph and signature of the nominee, if the nominee is a major and in case of minor, indicate the date of birth and the guardian’s signature, besides your signature in the nomination form
   Reports
   Daily:
   1. Confirmation of all Trades/modifications/ order entry/ cancellation of orders for the day is made available after the closing hours of the day by mail/email.
   2. Outstanding derivatives obligations are available any time of the day from the Trader Workstation and through email.
   3. Contract Note is dispatched the next day of the trade from Head Office. If email id is made available, digital contracts note is sent through email on the same day of the trade.
   4. Trade Bill: This is available on the next day of the trade at the branch. If email is available, trade bill shall be sent to you the same day of the trade.
   5. Margin Bill: This is available on the next day of the trade at the branch. If email is available, margin bill shall be sent to you the same day of the trade.
   6. Delivery obligations report: both Pay In And Pay Out obligations for various settlements from the respective branches are available.
   7. Shortage Report: For various settlements available from the branches (both PayIn, Pay Out)
   8. Base Capital / Additional Capital with all its details reports
   9. Dues account report: Details of Securities available in the dues account.
   10. Statement of accounts: This gives all details of debits and credits.
   11. Please check with your branch for other reports, the list of which is altered from time to time
   You are advised to sign periodically the statement of account
   Precautions to be taken:
   In case of emergencies, you are advised to follow and adhere only to those trading practices, which are in
   Q&A
   For any additional queries, please refer our Website or care@adityabirla.com
   Temporary Movement
   You can trade at a branch away from the attached branch, when you have taken authorized permission from HO to do so. At least 48 hours should be allowed before the commencement of trade at the 2nd branch and again, when you want to resume trading at the original branch, allow for 48 hours after intimation to HO and confirmation from HO to do so.
   This temporary movement is in force till revocation request is made. Both the branches will have to be informed of the move, both prior to move and prior to resumption at the originally attached branch. All requests to come to branches with who you are dealing in writing and you will be informed the branch contact tel. no and the dealer name, after you have been transferred to the branch (i.e. your id has been mapped to the 2nd branch)
   Services Provided
   Depository
   • Dematerialistaion
   • Rematerialisation
   • Electronic Custody
   • Pledge Marking
   • Freeze/Defreeze of accounts
   • Transfer of Securities
   • Internet DP Account
   Dematerialisation:
   Conversion of the physical securities to electronic form. All you have to do is to fill up the Demat Request Form (Ref Annexure) and surrender your physical share certificate to us. We will process the shares and electronically inform the depository. Upon confirmation from the Registrar / company, your account with us will be credited with electronic shares by the depository. This normally takes 15-45 days.
   Rematerialisation:
   Similarly, conversion of the electronic shares back into physical form is also processed as fast as Dematerialization.
   Electronic Custody:
   Every Aditya Birla Money Demat Account holder will be provided a periodical holding / transaction statement. In addition one could also confirm the balance over phone, or in person and now also through Internet.
   Pledge Marking:
   In case of contingencies, pledge marking for availing loans from your banker against demat shares is possible. You can pledge your electronic shares and avail up to 75% of the market value (up to Rs.20 lakhs per account), at reduced rates of interest compared to physical shares.
   Transfer of Securities:
   When you buy shares, you have to inform your Client Id and DP Id to your broker. Your account with us will be credited with securities bought by you on payout day. On sale of securities you have to give us the delivery instruction slip duly signed by you and the securities will be transferred to the brokers account. You may also use the services of Speed E. for online transfer. We are however coming out with our own fully secured digitally signed Transfer Instructions feature at a low cost to enable you transfer with the convenience of transferring from trading site itself.
   Process of subscribing to Speed E
   You can avail this through Aditya Birla Money. There are 2 types – one is password based and another is smart card based, the latter requiring digital signature.
   Password based user is restricted to deliver the document to 3 Pre-Notified CM (Clearing Member /Pool) accounts. (Smart card users can additionally carry out off-market trades too). For registration with Speed E, the client has to obtain Registration Request No. from the site www.speed-e.nsdl.com.
   Password based user is restricted to deliver the document to 3 Pre-Notified CM (Clearing Member /Pool) accounts. (Smart card users can additionally carry out off-market trades too). For registration with Speed E, the client has to obtain Registration Request No. from the site www.speed-e.nsdl.com.
   After this you shall fill up the Speed E application form along with the CM (pre notified account) consent letter and agreement (all available with our branches) and forward them duly filled to HO.
   After activating the account, you will be duly notified through email.
   Smart Card User registration for Speed E.
   You have to fill the application form (available with the branch) and affix your signature and attach your photograph. Send this along with the agreement form (again available with our branch) and payment of Rs 7000 through DD drawn on Aditya Birla Money Ltd .The Smart card welcome kit (incl. ATM like card) and the PIN received from NSDL, will be sent to you.
   Freeze / Defreeze of accounts:
   In the case of prolonged absence, you have the option for freezing the account. This helps in preventing any unauthorized access to the account during your absence.
   Internet DP Account:
   By logging on to this account you will be able to view your Holding / Transaction Statement, Bill Statement and you could transfer your stock immediately.( refer Speed E above)
   Glossary of Terms Used in DP
   Depository
   A Depository is a Company where the shares of an individual are held in electronic form, at the request of the shareholder. This eliminates the risks involved in physical form of holding. The National Securities Depository Limited (NSDL) was promoted by IDBI, UTI, SBI and NSE. The Central Securities Depository Limited (CDSL) was promoted by BSE.
   Depository System
   Your money may be held in the form of liquid cash at your home or may be deposited in a bank. The bank holds your funds in your account and subsequently debits or credits the account, depending on your issuance of cheques or deposit of cheques. The advantages of safety and convenience of dealing with a Bank overweigh the reasons for holding liquid cash in your home. Your financial assets such as Equity Shares may be compared to the above example. You may hold physical share certificates in your home and be exposed to the various risks of lack of safety, mutilation, loss etc. Alternatively, you may also deposit your shares in an organization called a Depository, which holds your shares in the electronic form.
   The advantages of the Depository System can be further compared with physical shares as below: The risk of loss, mutilation is common for physical certificates and completely removed in electronic shares. Handling of a large number of physical certificates has ended in the Depository mode. In the electronic segment, there are no bad deliveries as in physical segment. There is no stamp duty payable in electronic shares compared to the duty of 0.50% in the physical segment while transferring ownership. For loans against shares, banks usually charge lower interest rate and margin money for the electronic segment when compared to the physical segment. Settlements in the Stock Exchanges have commenced in the electronic segment and has proven to be far more efficient and convenient compared to physical shares.
   Dealing with the Depository
   You cannot deal with the Depository directly. However, if you have any unresolved grievances against your Depository Participant, you can make a complaint to the Depository at the below mentioned address.
   Obligations of a Depository
   The Depository is obliged to maintain the Client Holdings, enable demat and remat of eligible securities, disbursement of corporate benefits, effect settlement of securities traded on the exchanges as well as Off-market trades through book entry transfers and provide for Pledging/Hypothecation of eligible securities.
   National Securities Depositories Limited is a Depository promoted by UTI, IDBI, SBI & NSE who hold the securities in electronic form on behalf of the beneficiary holder.
   Security
   Shares in the electronic segment are 100 percent secure. The agreement between you and the DP indemnifies you against misuse of your electronic holdings by any party, in any manner whatsoever. You may legally invoke such indemnity and be 100 percent compensated. A comprehensive Insurance Policy has been taken by NSDL, which covers your DP account so as to protect you against any losses, breach of security etc.
   DP Transfer Instruction Forms:
   These are like your Bank cheque books. So ensure they are kept under lock and key.
   When the company sends through post or through its branches the DP instruction books for your use, take care not to leave any signed forms or blank forms with any of the branches or with anybody. Aditya Birla Money is not responsible for any loss or transfers due to your leaving signed and blank forms with anyone else including branch personnel.
   Well before the DP Instruction books are to run out of leaves, please send filed requisition forms and lodge the request with the branch. The new book will be made available within 7 days subject to payment of overdue bills. Pending arrival of new forms, you may use the Branch Manager’s DP instruction forms for any transfers.
   In the event of loss, the same may be reported immediately to enable us to note the loss of forms with their serial numbers in our records.
   Please contact our branch for requisition and loss reporting and you may also send mail to care@adityabirla.com
   Request forms for Rematting, Dematting, Pledge Marking/removal too are available with the branches.
   Dematting of shares is done only where the shares are registered in the name as they appear in NSDL registration. In case the same are not registered, they will be returned to you. They cannot be taken into your account until they are transferred in the name of the DP account holder. For transfers please contact the Company’s secretarial dept. /share transfer agents of the company for physical transfer of security in your name.
   You are also expected to provide the Bank account details at the time of account opening itself and in case of any change please notify immediately, so that the respective companies send the dividends only to the Bank account notified to us (with intimation sent by Companies to you).
   Statements & Bills
   Statement of holding (Qtrly) is sent to client who have holding as at the end of the quarter and the Statement of Transactions (monthly) for those who have had transactions during the period.
   Bills are sent for the various services namely, Transactions, Custodial charges, Demat, Remat Charges, Pledge creation /release and you are expected to make payment within 7 days. In case if credit balances are available in your trading account, the bill will be transferred to your trading account and recovered thereof. Delayed payment will attract penal charges.
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