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Inf ormation Document Purpose This document provides you with key information about this investment product. It is not marketing material. It helps you understand the nature of this product and enables you to compare it with other products. Other documents are available to help you understand the product like the F actsheet and Annual Repor t & Financial Statemen ts.
P roduct
JPMorgan India Growth & Income plc ("The Company")
Ordinary Shares GB0 0 0345035 9
Contact details for JPMorgan F unds Limited are included at www .jpmam.co .uk /investmenttrust Call the J.P. P. Morgan Asset Manag ement Client Administration Centre on 0800 20 40 20 for more information or alternatively you can write to J.P. P. Morgan Asset Manag ement Client Administration Centre , PO Box 12272, Chelmsford, CM99 2EL JPMorgan F unds Limited ("The Manag er ") as the manufacturer of The Company , is authorised in the UK and regulated by the Financial Conduct Authority (FCA). THIS DOCUMENT WAS PRODUCED ON 8 JANUARY 2026
What is this product?
Type
The Company's shares are listed on the premium segment of the Official List of the UK Listing Authority ('UKLA') and are admitted to trading on the main market of the London Stock Exchang e . Objectives
The Company aims to provide capital growth from Indian investments. The Company will invest in a diversified por tfolio of quoted Indian companies and companies that earn a material par t of their revenues and/ or under take their economic activity from India. The Company will not invest in other countries of the Indian sub continent including Sri Lanka. The Company makes quar terly distributions, that are set at the beginning of each financial year . On ag gregate , the intention is to pay dividends totalling at least 4% of the NAV as at the end of the preceding financial year . The Company has the ability to use
borrowing to g ear the por tf olio to up to 15 % of shareholders funds where appropriate . Gearing may magnify gains or losses experienced by the Company . Intended retail investor
The Company is offered to investors who may have basic or no knowledg e and experience of investing in financial markets and also experienced investors and is intended for long-term investment. Investors should understand the risks involved, including the risk of losing all capital invested and must evaluate The Company's objective and risks in terms of whether they are consistent with their own investment g oals and risk tolerances. Shares in The Company are not intended as a complete investment plan. The Company has been established with an unlimited life .
What are the risks and what could I get in return?
Risks Lower risk Higher risk
1 2 3 4 5 6 7
The risk indicator assumes you keep the product f or 5 year(s).
The summary risk indicator is a guide to the level of risk of this product compared to other products. It shows how likely it is that the product will lose money because of movements in the markets or
because we are not able to pay you. We have classified this product as 4 out of 7, which is a medium risk class. This figure rates the likelihood of losing money in the future , based on historic prices as having a medium level risk. This product does not include any protection from future market performance so you could lose some or all of your investment. Beside the risks included in the risk indicator , other risks may affect the fund performance . Please refer to the Annual Repor t in the documents section at www .jpmam.co .uk /investmenttrust.
Page 1/3
All data is sourced by J.P. P. Morgan Asset Manag ement and is correct as at the date of this commentary unless otherwise stated.
Page 2
JPMorgan India Growth & Income plc (GB0 0 0345035 9)
Investment perf ormance inf ormation The performance of the Company is likely to be driven by a variety of factors, whether macro (e .g. political, economic growth, inflation) or the performance of individual corporate issuers. The Company may utilise g earing ( borrowing) which will exagg erate market movements both up and down. The Company has chosen the MSCI India Index (£) as its benchmark and has the objective as stated in the "What is this product" section. There is no guarantee that the Company will meet its objective or achieve any par ticular level of performance . For fur ther details of the risk factors which may impact the performance of the Company please refer to the Company's annual repor t which is available at www .jpmam.co .uk /investmenttrust. What could aff ect my return positively ? F actors such as strong economic growth, low inflation and/ or strong corporate earnings are likely to impact the return of the Company positively . What could aff ect my return negatively ? Conversely , low economic growth, high inflation, poor corporate earnings and/ or the default of issuers are likely to impact the return of the Company negatively . Outcome the investor may expect where shares in the Company are encashed under severely adverse market conditions Shareholders are more likely to experience a negative return should shares be encashed under severely adverse market conditions.
What happens if JPMorgan Funds Limited is unable to pay out?
The Manag er is responsible for administration and manag ement of The Company , and does not typically hold assets of The Company (assets that can be held by a depositary are , in line with applicable regulations, held with a depositary in its custody network). The Manag er , as the manufacturer of this product has no obligation to pay
out since the product design does not contemplate any such payment being made . However , investors may suff er loss if The Company or the depositary is unable to pay out. Investors in The Company are not eligible to claim under the UK Financial S ervices Compensation S cheme .
What are the costs ?
Following the Financial Conduct Authority's update in S eptember 202 4, investment trusts no long er need to foll ow the previous cost disclosure rules under PRIIPS. We follow the Association of Investment Companies' (AIC) guidance to share an Ong oing Charg es figure . Therefore , the Company has made relevant chang es to this document. As a UK -listed investment trust, the Company incurs Operating Costs in respect of its ong oing manag ement and these are disclosed in the Income Statement and related notes in the latest audited Annual Repor t & Financial Statements (' ARFS'). The Ong oing Charg es show our Operating Costs as a percentag e of our averag e net assets from the previous year . The latest Ong oing Charg es (0 .77%) can be found in the Financial Highlights section of the Company's ARFS and in the Company's factsheet . For the avoidance of doubt, the Ong oing Charg es are not an additional cost borne by shareholders of the Company . The Reduction in yield (RIY) shows what impact the total cost you pay will have on the investment return you might g et. "The Company's share price already reflects market sentiment of its value taking into consideration publicly disclosed information on expenses, which are already disclosed in the ARFS and other public disclosures. Costs over time The costs set out in the below tables are now marked as Not Applicable ('N/A'). None of these costs are payable by you to the Company or its Manag er . All costs incurred by the Company (and within its underlying investment por tfoli o) are disclosed in the Company's Annual Repor t & Financial Statemen ts.
Investment £ 10 ,0 0 0 if you exit after 1 year
if you exit after 3 years
if you exit after 5 years (Recommended Holding Period )
Total Costs n/a n/a n/a
Impact on Return (RIY) per year n/a n/a n/a
Composition of costs The costs set out in the below tables are now marked as Not Applicable ('N/A'). None of these costs are payable by you to the Company or its Manag er . All costs incurred by the Company (and within its underlying investment por tfoli o) are disclosed in the Company's Annual Repor t & Financial Statemen ts.
Page 2 /3 | Key Information Document | 8 January 2026
Page 3
JPMorgan India Growth & Income plc (GB0 0 0345035 9)
The person selling you or advising you about this product may charg e you other costs. If so , this person will provide you with information about these costs, and show you the impact that all costs will have on your investment over time .
This table shows the impact on return per year One-off costs Entry costs n/a None of these costs are payable by you to the Company or its Manag er . All costs incurred by the Company (and within its underlying investment por tfolio) are disclosed in the Company's Annual Repor t & Financial Statements.
Exit costs n/a None of these costs are payable by you to the Company or its Manag er . All costs incurred by the Company (and within its underlying investment por tfolio) are disclosed in the Company's Annual Repor t & Financial Statements.
Ongoing costs Por tf olio transaction costs n/a None of these costs are payable by you to the Company or its Manag er . All costs incurred by the Company (and within its underlying investment por tfolio) are disclosed in the Company's Annual Repor t & Financial Statements.
Other ongoing costs n/a None of these costs are payable by you to the Company or its Manag er . All costs incurred by the Company (and within its underlying investment por tfolio) are disclosed in the Company's Annual Repor t & Financial Statements.
Incidental costs Performance f ees n/a No Performance Fees are applied.
How long should I hold it and can I take money out early ?
Recommended holding period: 5 year(s) This product is designed f or long-term investments; you should be prepared to stay invested for at least 5 years. As The Company's shares are listed on the premium segment of the Off icial List of the UKLA and are admitted to trading on the main market of the London Stock Exchang e , you should be able to sell your shares without penalty
through your bank, stockbroker or other similar advisers at any time during this period or hold the investment long er . You may be subject to dealing costs that your adviser charg es for this service . Sales are possible on every working day , with proceeds settled in 2 business days. The price , discount and net asset value are available on our website at www .jpmam.co .uk /investmenttrust.
How can I complain?
If you have a complaint about The Company , you can contact us by calling our UK -based Investor S ervices team on 0800 20 40 20 or by writing to: J.P. P. Morgan Asset Manag ement Client Administration Centre PO Box 12272 Chelmsford, CM99 2EL accounts@uk -email.jpmorgan.com You can find more details about how to complain and the Manag er 's complaint handling policy in the Contact Us section of the website at:
www .jpmam.co .uk /investmenttrust. Complaints about the manag ement of The Company , are unlikely to be eligible f or referral to the Financial Ombudsman S ervice (FOS) because (1) The Company is not within FOS' jurisdiction; and (2) whilst the Manag er and the depositary are within FOS' jurisdiction, investors are unlikely to have an eligible relationship with either . If you have a complaint about the person who advised you about this product, or who sold it to you, they will tell you where to complain.
Other relevant inf ormation
The cost and risk calculations included in this key information document foll ow the methodology prescribed by U .K. rules. Please refer to the Investor Performance Information section above for details on factors which could affect returns. The value of investments and the income from them may fluctuate in accordance with market conditions and taxation agreements and investors may not g et back the full amount invested. Past performance and yield are not reliable indicators of current and future results. You can receive additional information about this product, including but not limited to the investor disclosure document, annual repor t, half year repor t and the latest price of the shares from J.P. P. Morgan Asset Manag ement, J.P. P. Morgan Asset Manag ement Client Administration Centre , PO Box 12272, Chelmsford, CM99 2EL and from www .jpmam.co .uk /investmenttrust. They are available free of charg e in English.
You can find the latest version on our website at www .jpmam.co .uk /investmenttrust.
Privacy Policy You should note that, if you contact J.P. P. Morgan Asset Manag ement by telephone , those lines may be recorded and monitored for legal, security and training purposes. You should also take note that informati on and data from communications with you may be processed by J. P. P. Morgan Asset Manag ement, acting as a data controller , in accordance with applicable data protection laws. F ur ther information about processing activities of J.P. P. Morgan Asset Manag ement can be found in the EMEA Privacy Policy , which is available at www .jpmorgan.com/ emea-privacy -policy . Additional copies of the EMEA Privacy Policy are available on request.
Page 3 /3 | Key Inf ormation Document | 8 January 2026
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