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Fact Sheet Without Comment - SUD Life Fact Sheet - July 2013.pdf · Tata Consultancy Services...
Transcript of Fact Sheet Without Comment - SUD Life Fact Sheet - July 2013.pdf · Tata Consultancy Services...
Fact Sheet
July – 2013
InveSTAR
Global Economic Scenario: Improvement in economic conditions in US and
likelihood easy liquidity tapering impacted commodities and financial markets across the world. Emerging market currencies dropped sharply against US$ and INR was one of the worst performing currencies.
Purchasing Managers Indices (PMI) are indicating revival of growth in Europe as well.
China's annual growth slowed to 7.5% in the second quarter of 2013 from 7.7% in the first quarter.
Due to geo-political tensions in Middle East and perception of increasing demand in US, crude oil is trading at elevated level.
Indian Economy: Index of Industrial Production (IIP) For the month of May’ 2013, IIP growth contracted by
1.6% against growth of 1.9% in April’2013. A sharp drop in growth (11 months low) is worrisome, especially as both Capital Goods and Consumer Goods segments registered negative growth.
Foreign Trade Drop in gold and crude oil imports resulted in drop in
overall imports, leading to lower Trade Deficit in June’13 at US$ 12 bn. (vs.US$ 20.1 bn. in May).
Foreign Institutional Flows in Equity Market During July’13, Net FII flow in equities was (-)
Rs.6,086 cr. vs. (-)11,027,cr.in June’13.
INR vs.US$ INR continued to depreciate during July to close at
60.39 after touching intra-month low of 61.21.
Inflation
Inflation (Based on WPI) For Month-ended YoY % Increase
May’ 2013 4.70
June’ 2013 4.86
WPI increased due to higher food prices, despite
drop in prices of manufactured products. In June’2013, CPI registered sharp increase at 9.87% from 9.31% in May’13.
Structural changes in Liquidity Adjustment Facility RBI brought about structural changes in Liquidity
Adjustment Facility (LAF) to tighten Rupee liquidity in the system to check volatility of INR against US$. The move came after certain earlier steps by RBI and SEBI to check currency speculation.
First Quarter Review of Monetary Policy (30th July) Reverse Repo rate and CRR kept unchanged at
7.25% & 4% respectively.
Debt Markets: Liquidity tightening measures by RBI have resulted in
sharp increase in interest rates, especially for shorter durations.
Outlook RBI measures are seen temporary in nature. Once
Rupee stabilizes, RBI may ease monetary conditions to address growth concerns and the yields may trend downwards.
Stock Markets: After touching a high of 6,107 (on 23rd July),
stringent monetary tightening measures announced by RBI on 23rd July, triggered a sharp correction in the market.
Major Indices
Sensex Nifty
Close as on 28.06.13 19,396 5,842
Close as on 31.07.13 19,346 5,742
Change% -0.3% -1.7% Outlook At about 14.5 X to FY14 estimated earnings, indices
are trading close to long-term average. In near term, markets are vulnerable to a) external shocks and slow down in Global liquidity; b) Rupee depreciation; and c) Political risk. In medium to long term, markets are expected to move up especially as economic growth momentum picks-up.
MONTHLY REPORT – July‘2013
ECONOMY AND FINANCIAL MARKETS
Performance Summary as on July 31, 2013
InveSTAR
6 Months 1 Year 2 Year 3 YearSince
Inception
SFIN
Balanced Fund
ULIF 001 18/02/09 SUD‐LI‐BL1 14218/02/2009 57.12 ‐0.91%15.63
Scheme Name
NAV Returns
Inception date AUM (Rs. Cr) NAV (Rs.)
Absolute CAGR
7.25% 5.94% 10.55%4.75%
InveSTAR
Equity Fund
ULIF 002 25/02/09 SUD‐LI‐EQ1 142
Growth Fund *
ULIF 003 25/02/09 SUD‐LI‐GR1 142
Bond Fund
ULIF 004 25/02/09 SUD‐LI‐BN1 142
Individual Pension Fund ‐ Equity
ULIF 005 31/03/09 SUD‐PI‐EQ1 142
Individual Pension Fund ‐ Growth
ULIF 006 31/03/09 SUD‐PI‐GR1 142
14.06%
12.13%73.44 16.43
31/03/2009 68.28 17.70
25/02/2009 24.92 13.13 0.99%
Individual
Life @
Pension Life
@@
25/02/2009
31/03/2009
25/02/2009 99.89 20.53
136.88 19.54
2.16%
3.71%
‐4.33% 8.46% 2.24% 17.52%
‐2.34% 8.67% 4.06% 16.17%
6.46%6.58%
‐2.03% 9.02% 4.25%
6.56%
3.02%
3.56%
7.62%
‐1.56% 10.92% 3.48%
InveSTAR
Individual Pension Fund ‐ Balanced
ULIF 007 31/03/09 SUD‐PI‐BL1 142
Individual Pension Fund ‐ Bond
ULIF 008 31/03/09 SUD‐PI‐BN1 142
Apex Equity Fund
ULIF 009 20/01/10 SUD‐LA‐EQ1 142
Apex Growth Fund
ULIF 010 20/01/10 SUD‐LA‐GR1 142
Apex Balanced Fund
ULIF 011 20/01/10 SUD‐LA‐BL1 142
20/01/2010 11.64 ‐2.57% 8.44% 3.84%480.90
5.32%324.5920/01/2010
7.58% 6.39%
3.40%
4.39%
‐1.64%
4.06%
4.67%12.01
31/03/2009 12.25 13.08 1.18%
461.9420/01/2010 11.25 ‐3.91% 8.52% 2.41%
14.90 ‐0.41%
6.43%
31/03/2009 46.39@@
Individual
Apex $ 8.05% 4.97%
7.69% 6.13% 5.12%
6.51%
2.54%
9.63%
InveSTAR
Apex Bond Fund
ULIF 012 20/01/10 SUD‐LA‐BN1 142
Individual Pension Fund ‐ Apex Equity
ULIF 013 20/01/10 SUD‐PA‐EQ1 142
Individual Pension Fund ‐ Apex Growth
ULIF 014 20/01/10 SUD‐PA‐GR1 142
Individual Pension Fund ‐ Apex Balanced
ULIF 015 20/01/10 SUD‐PA‐BL1 142
Individual Pension Fund ‐ Apex Bond
ULIF 016 20/01/10 SUD‐PA‐BN1 142
l d d
57.89
25.7520/01/2010 12.46 0.35% 6.02% 6.41%
12.00 0.25% 9.93%
7.94% 6.73%
11.22% 4.08% 3.83%108.44 3.28%
122.44
4.37%
5.31%
6.43%
5.27%
‐1.88%
125.20 11.63
7.44%
4.09%‐0.48% 10.97% 5.27%
6.54%
6.83%12.58 0.29% 6.32%
20/01/2010 11.42
Pension
Apex $$
20/01/2010
20/01/2010
20/01/2010
InveSTAR
Express Balanced Fund
ULIF 017 29/04/11 SUD‐LX‐BL1 142
Discontinued Policies Fund
ULIF 018 03/06/11 SUD‐UL‐DP1 142
Total AUM 2402.96
@ For Dhan Suraksha, Dhan Suraksha Premium, Prabhat Tara Products@@ For Dhruv Tara Products $ For New Dhan Suraksha, New Dhan Suraksha Premium, New Prabhat Tara, Dhan Suraksha 3, Dhan Suraksha Premium 3 Products, Prabhat Tara 3 Products.$$
7.01%NA
NA 5.90%
03/06/2011 138.39 11.26 1.68% 5.93% NA
7.72% 5.29%Individual
Life *29/04/2011 38.27 11.38 ‐1.16%
InveSTAR
$$ For New Dhruv Tara Products* For Dhan Suraksha Express
InveSTAR InveSTAR
Investment Objective :
Date of Inception : SFIN No.
February 18, 2009 ULIF 001 18/02/09 SUD‐LI‐BL1 142
Products : AUM :
Rs. 57.12 Cr
% to AUM
`
Equity 28.71% Minimum Maximum
Reliance Industries Ltd 3.47% 0% 60% 28.71%
Infosys Ltd 3.38% 40% 100% 71.29%
Larsen & Toubro Limited 2.20%
ITC Ltd. 2.03%
Dr. Reddys Laboratories Ltd. 1.96%
Mahindra & Mahindra Ltd. 1.56%
Bajaj Auto Limited 1.52%
State Bank of India 1.48%
NTPC Limited 1.37%
Aditya Birla Nuvo Limited 1.23%
Housing Development Finance Corporation Ltd. 1.18%
Tata Consultancy Services Limited 1.18%
Oil & Natural Gas Corpn Ltd 1.07%
Tata Steel Limited 1.06%Others (with < 1% exposure) 4.00%
Debt 62.52%
Gilts & SDL 6.63%
GOI 5.60%
SDL (with < 1% exposure) 1.03%
BALANCED FUND - JULY, 2013
To aim for stable returns over medium to long term through investments in high quality fixed income and
money market instruments and enhance returns through a fair exposure to equity investments.
Investment PatternActual
Asset Mix
Particulars
For Dhan Suraksha, Dhan Suraksha Premium, Prabhat
Tara.
Equity
Debt, MM & Others
Benchmark :
CNX Nifty Index ‐ 30%
CRISIL Composite Bond Index ‐ 70%
Debt62.52%
Equity28.71%
MM & Others8.77%
Asset Allocation (% to AUM)
Gilt10.61%
AA+11.40%
AA‐2.82%
Debt Rating Profile (% of Debt)
Corporate Bonds 55.89%
Housing Development Finance Corporation Ltd. 5.28%Power Finance Corporation Limited 5.25%Rural Electrification Corporation Limited 3.80%Larsen & Toubro Limited 3.57%
The Great Eastern Shipping Co. Limited 3.52%
Steel Authority of India Ltd. 3.39%
Indian Oil Corporation Ltd 2.88%
Reliance Gas Transportation Infrastructure Limited 2.83%
Dr. Reddy's Laboratories Ltd. 2.63%
The Indian Hotels Company Limited 2.59%
Tech Mahindra Limited 2.10%
LIC Housing Finance Ltd 2.07%
National Housing Bank 1.92%
Reliance Capital Limited 1.91%
Tata Communications Limited 1.91%
Raymond Ltd. 1.76%
Indian Railway Financial Corporation Ltd. 1.74%
Reliance Ports & Terminals Ltd. 1.65%
Power Grid Corporation of India Limited 1.51%
Others (with < 1% exposure) 3.58%
MM & Others 8.77%
Total 100.00%
`
19.31%
10.92%
6.88%
6.66%
5.77%
4.58%
4.45%
3.52%
Financial & Insurance
Infrastructure finance services
Manufacture of coke and refined petroleum products
Computer programming, consultancy and related activities
Civil engineering
Manufacture of pharmaceuticals, medicinal chemical
and botanical products
Manufacture of Basic Metals
Water transport
Top 10 Industry Exposure ( % to AUM)
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
32.18%
20.30%18.45%
24.61%
4.46%
Debt Maturity Profile (% of Debt)
Debt62.52%
Equity28.71%
MM & Others8.77%
Asset Allocation (% to AUM)
Gilt10.61%
AAA75.17%
AA+11.40%
AA‐2.82%
Debt Rating Profile (% of Debt)
10
11
12
13
14
15
16
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
Balance Fund Benchmark
19.31%
10.92%
6.88%
6.66%
5.77%
4.58%
4.45%
3.52%
2.88%
2.83%
Financial & Insurance
Infrastructure finance services
Manufacture of coke and refined petroleum products
Computer programming, consultancy and related activities
Civil engineering
Manufacture of pharmaceuticals, medicinal chemical
and botanical products
Manufacture of Basic Metals
Water transport
Electricity, Gas, Steam and Aircondition Supply - Infra
Land transport and transport via pipelines - Infra
Top 10 Industry Exposure ( % to AUM)
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
32.18%
20.30%18.45%
24.61%
4.46%
Debt Maturity Profile (% of Debt)
Debt62.52%
Equity28.71%
MM & Others8.77%
Asset Allocation (% to AUM)
Gilt10.61%
AAA75.17%
AA+11.40%
AA‐2.82%
Debt Rating Profile (% of Debt)
9
10
11
12
13
14
15
16
Feb‐09
Apr‐09
May‐09
Jul‐09
Sep‐09
Oct‐09
Dec‐09
Jan‐10
Mar‐10
May‐10
Jun‐10
Aug‐10
Sep‐10
Nov‐10
Jan‐11
Feb‐11
Apr‐11
Jun‐11
Jul‐11
Sep‐11
Oct‐11
Dec‐11
Feb‐12
Mar‐12
May‐12
Jun‐12
Aug‐12
Oct‐12
Nov‐12
Jan‐13
Feb‐13
Apr‐13
Jun‐13
Jul‐13
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
Balance Fund Benchmark
Investment Objective:
Date of Inception : SFIN No.
February 25, 2009 ULIF 002 25/02/09 SUD‐LI‐EQ1 142
Products : AUM:
Rs. 99.89 Cr
Portfolio % to AUM
`
Equity 87.42% Minimum Maximum
Reliance Industries Ltd 8.03% 80% 100% 87.42%
Larsen & Toubro Limited 6.28% 0% 20% 12.58%
Tata Consultancy Services Limited 6.07%
HDFC Bank Ltd 4.81%
Bharti Airtel Limited 4.62%
Aditya Birla Nuvo Limited 4.47%
Infosys Ltd 4.44%
Housing Development Finance Corporation Ltd. 3.87%
Mahindra & Mahindra Ltd. 3.65%
ICICI Bank Ltd 3.44%
Cipla Ltd. 3.21%
ITC Ltd. 3.03%
State Bank of India 2.87%
Tata Motors Limited 2 46%
To tap growth opportunities for long term capital appreciation through investments primarily in equity and equity‐
related instruments.
Investment PatternActual
Asset Mix
Particulars
Equity
MM & Others
EQUITY FUND - JULY, 2013
Benchmark :
CNX Nifty Index ‐ 90%
For Dhan Suraksha, Dhan Suraksha Premium, Prabhat
Tara.
CRISIL Liquid Fund Index ‐ 10%
MM & Others12.58%
Asset Allocation (% to AUM)
Tata Motors Limited 2.46%
Axis Bank Limited 2.21%
Coal India Limited 1.94%
Sun Pharmaceuticals Industries Ltd 1.90%
Lupin Limited 1.86%
Grasim Industries Ltd. 1.76%
NTPC Limited 1.75%
Godrej Consumer Products Limited 1.70%
Hindalco Industries Ltd. 1.66%
Tech Mahindra Limited 1.23%
Sterlite Industries ( India ) Limited 1.13%
Others (with < 1% exposure) 9.03%
MM & Others 12.58%
Total 100.00%
`
19.94%
12.89%
8.04%
7.95%
6.30%
6.28%
4.62%
4.47%
3.64%
Financial & Insurance
Computer programming, consultancy and related activities
Manufacture of coke and refined petroleum products
Manufacture of pharmaceuticals, medicinal chemical and botanical products
Manufacture of motor vehicles, trailers and semi-trailers
Civil engineering
Telecommunications - Infra
Diversified
Manufacture of Basic Metals
Top 10 Industry Exposure (% to AUM)
Equity87.42%
MM & Others12.58%
Asset Allocation (% to AUM)
9
11
13
15
17
19
21
23
25
Feb‐09
Apr‐09
May‐09
Jul‐09
Aug‐09
Oct‐09
Nov‐09
Jan‐10
Feb‐10
Apr‐10
May‐10
Jul‐10
Aug‐10
Oct‐10
Dec‐10
Jan‐11
Mar‐11
Apr‐11
Jun‐11
Jul‐11
Sep‐11
Oct‐11
Dec‐11
Jan‐12
Mar‐12
Apr‐12
Jun‐12
Jul‐12
Sep‐12
Oct‐12
Dec‐12
Jan‐13
Mar‐13
Apr‐13
Jun‐13
Jul‐13
NAV/U
NIT (R
s)
NAV Performance (Since Inception)
Equity Fund Benchmark
19.94%
12.89%
8.04%
7.95%
6.30%
6.28%
4.62%
4.47%
3.64%
3.46%
Financial & Insurance
Computer programming, consultancy and related activities
Manufacture of coke and refined petroleum products
Manufacture of pharmaceuticals, medicinal chemical and botanical products
Manufacture of motor vehicles, trailers and semi-trailers
Civil engineering
Telecommunications - Infra
Diversified
Manufacture of Basic Metals
Manufacture of chemicals and chemical products
Top 10 Industry Exposure (% to AUM)
Equity87.42%
MM & Others12.58%
Asset Allocation (% to AUM)
9
11
13
15
17
19
21
23
25
Feb‐09
Apr‐09
May‐09
Jul‐09
Aug‐09
Oct‐09
Nov‐09
Jan‐10
Feb‐10
Apr‐10
May‐10
Jul‐10
Aug‐10
Oct‐10
Dec‐10
Jan‐11
Mar‐11
Apr‐11
Jun‐11
Jul‐11
Sep‐11
Oct‐11
Dec‐11
Jan‐12
Mar‐12
Apr‐12
Jun‐12
Jul‐12
Sep‐12
Oct‐12
Dec‐12
Jan‐13
Mar‐13
Apr‐13
Jun‐13
Jul‐13
NAV/U
NIT (R
s)
NAV Performance (Since Inception)
Equity Fund Benchmark
Investment Objective :
Date of Inception : SFIN No.
February 25, 2009 ULIF 003 25/02/09 SUD‐LI‐GR1 142
Products : AUM:
Rs. 136.88 Cr
Portfolio % to AUM
`
Equity 65.35% Minimum Maximum
Reliance Industries Ltd 4.38% 40% 100% 65.35%
Larsen & Toubro Limited 4.15% 0% 60% 34.65%
Infosys Ltd 3.90%
Tata Consultancy Services Limited 3.41%
Mahindra & Mahindra Ltd. 2.92%
Bharti Airtel Limited 2.77%
Aditya Birla Nuvo Limited 2.69%
ICICI Bank Ltd 2.59%
ITC Ltd. 2.50%
Tech Mahindra Limited 2.33%
Sun Pharmaceuticals Industries Ltd 2.24%
HDFC Bank Ltd 2.09%
Axis Bank Limited 1.99%
Housing Development Finance Corporation Ltd. 1.96%
HCL Technologies Ltd 1.90%
Oil & Natural Gas Corpn Ltd 1.90%
Coal India Limited 1.79%
Bajaj Auto Limited 1.65%
Equity
Debt, MM & Others
To aim for medium to long term capital appreciation by maintaining a diversified portfolio of equity and equity related
instruments and fair exposure to high credit quality portfolio of debt and money market instruments.
Investment PatternActual
Asset Mix
Particulars
GROWTH FUND - JULY, 2013
Benchmark :
CNX Nifty Index ‐ 70%
CRISIL Composite Bond Index ‐ 30%
For Dhan Suraksha, Dhan Suraksha Premium, Prabhat Tara
& Dhan Suraksha Express.
Debt22.71%
Equity65.35%
MM & Others11.94%
Asset Allocation (% to AUM)
Gilt7 80%
AA+
Debt Rating Profile (% of Debt)State Bank of India 1.44%
Grasim Industries Ltd. 1.25%
Tata Global Beverages Ltd. 1.20%
Lupin Limited 1.15%
Power Grid Corporation of India Limited 1.10%
Cipla Ltd. 1.03%
Hindalco Industries Ltd. 1.03%
Others (with < 1% exposure) 10.03%
Debt 22.71%
Gilts & SDL 1.77%
GOI 1.77%
Corporate Bonds 20.94%
Power Finance Corporation Limited 3.36%
Steel Authority of India Ltd. 2.28%
Housing Development Finance Corporation Ltd. 1.64%
Reliance Ports & Terminals Ltd. 1.53%
Tata Capital Financial Services Ltd 1.44%
The Indian Hotels Company Limited 1.44%
Reliance Capital Limited 1.17%
Others (with < 1% exposure) 8.08%
MM & Others 11.93%
Total 100.00%
`
18.83%12.34%
6.69%
5.51%
5.33%
4.98%
4.51%
Financial & Insurance
Computer programming, consultancy and related activities
Manufacture of coke and refined petroleum products
Manufacture of Basic Metals
Manufacture of pharmaceuticals, medicinal chemical and botanical products
Infrastructure finance services
Civil engineering
Top 10 Industry Exposure ( % to AUM)
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
19.20%21.29%
15.25%
32.30%
11.96%
Debt Maturity Profile ( % of Debt)
Debt22.71%
Equity65.35%
MM & Others11.94%
Asset Allocation (% to AUM)
Gilt7.80%
AAA74.00%
AA0.64%
AA+17.56%
Debt Rating Profile (% of Debt)
11
12
13
14
15
16
17
18
19
20
21
NAV/U
NIT (Rs)
NAV Performance (Since Inception)Growth Fund Benchmark
18.83%12.34%
6.69%
5.51%
5.33%
4.98%
4.51%
3.83%
3.13%
2.69%
Financial & Insurance
Computer programming, consultancy and related activities
Manufacture of coke and refined petroleum products
Manufacture of Basic Metals
Manufacture of pharmaceuticals, medicinal chemical and botanical products
Infrastructure finance services
Civil engineering
Manufacture of motor vehicles, trailers and semi-trailers
Telecommunications - Infra
Diversified
Top 10 Industry Exposure ( % to AUM)
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
19.20%21.29%
15.25%
32.30%
11.96%
Debt Maturity Profile ( % of Debt)
Debt22.71%
Equity65.35%
MM & Others11.94%
Asset Allocation (% to AUM)
Gilt7.80%
AAA74.00%
AA0.64%
AA+17.56%
Debt Rating Profile (% of Debt)
9
10
11
12
13
14
15
16
17
18
19
20
21
Feb‐09
Apr‐09
May‐09
Jul‐09
Aug‐09
Oct‐09
Nov‐09
Jan‐10
Feb‐10
Apr‐10
May‐10
Jul‐10
Aug‐10
Oct‐10
Dec‐10
Jan‐11
Mar‐11
Apr‐11
Jun‐11
Jul‐11
Sep‐11
Oct‐11
Dec‐11
Jan‐12
Mar‐12
Apr‐12
Jun‐12
Jul‐12
Sep‐12
Oct‐12
Dec‐12
Jan‐13
Mar‐13
Apr‐13
Jun‐13
Jul‐13
NAV/U
NIT (Rs)
NAV Performance (Since Inception)Growth Fund Benchmark
Investment Objective :
Date of Inception : SFIN No.
February 25, 2009 ULIF 004 25/02/09 SUD‐LI‐BN1 142
Products : AUM :
Rs. 24.92 Cr
Portfolio % to AUM
`
Debt 93.06% Minimum Maximum
Gilts & SDL 22.56% 80% 100% 93.06%
GOI 20.81% 0% 20% 6.94%
SDL ‐ Gujarat 1.17%
SDL (with < 1% exposure) 0.57%
Corporate Bonds 70.50%
Housing Development Finance Corporation Ltd. 7.17%
The Great Eastern Shipping Co. Limited 6.45%
Reliance Gas Transportation Infrastructure Limited 4.89%
Power Grid Corporation of India Limited 4.39%
Larsen & Toubro Limited 4.30%
United Phosphorus Limited 4.10%
Mahindra & Mahindra Financial Services Limited 3.98%
Indian Railway Financial Corporation Ltd. 3.97%
LIC Housing Finance Ltd 3.96%
Power Finance Corporation Limited 3.58%
St l A th it f I di Ltd 3 14%
BOND FUND - JULY, 2013
To aim for stable returns over medium to long term by judicious mix of investments in Government securities and
high quality corporate debt of varying maturities and also in money market instruments.
Investment PatternActual
Asset Mix
Particulars
For Dhan Suraksha, Dhan Suraksha Premium, Prabhat Tara.
Debt
MM & Others
CRISIL Composite Bond Index ‐ 90%
CRISIL Liquid Fund Index ‐ 10%
Benchmark :
Debt93.06%
MM & Others6.94%
Asset Allocation (% to AUM)
Gilt24 24%AA
AA+16.01%
Debt Rating Profile (% of Debt)
Steel Authority of India Ltd. 3.14%
MRF Ltd. 2.85%
Reliance Industries Ltd 2.83%
Reliance Ports & Terminals Ltd. 2.11%
National Bank For Agriculture And Rural Development 1.99%
Tata Communications Limited 1.99%
Tata Capital Financial Services Ltd 1.98%
Tech Mahindra Limited 1.60%
TATA Sons 1.59%
Indian Oil Corporation Ltd 1.23%
Others (with < 1% exposure) 2.41%
MM & Others 6.94%
Total 100.00%
`
19.89%
10.35%
6.45%
4.89%
4.39%
4.30%
4.10%
4.06%
Financial & Insurance
Infrastructure finance services
Water transport
Land transport and transport via pipelines ‐ Infra
Electricity, Gas, Steam and Aircondition Supply ‐ Infra
Civil engineering
Manufacture of chemicals and chemical products
Manufacture of coke and refined petroleum products
M f f B i M l
Top 10 Industry Exposure ( % to AUM)
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
25.89%
13.53%15.76%
35.14%
9.67%
Debt Maturity Profile ( % of Debt)
Debt93.06%
MM & Others6.94%
Asset Allocation (% to AUM)
Gilt24.24%
AAA59.32%
AA0.43%
AA+16.01%
Debt Rating Profile (% of Debt)
10
11
12
13
14
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
Bond Fund Benchmark
19.89%
10.35%
6.45%
4.89%
4.39%
4.30%
4.10%
4.06%
3.54%
2.85%
Financial & Insurance
Infrastructure finance services
Water transport
Land transport and transport via pipelines ‐ Infra
Electricity, Gas, Steam and Aircondition Supply ‐ Infra
Civil engineering
Manufacture of chemicals and chemical products
Manufacture of coke and refined petroleum products
Manufacture of Basic Metals
Manufacture of rubber and plastics products
Top 10 Industry Exposure ( % to AUM)
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
25.89%
13.53%15.76%
35.14%
9.67%
Debt Maturity Profile ( % of Debt)
Debt93.06%
MM & Others6.94%
Asset Allocation (% to AUM)
Gilt24.24%
AAA59.32%
AA0.43%
AA+16.01%
Debt Rating Profile (% of Debt)
9
10
11
12
13
14
Feb‐09
Apr‐09
May‐09
Jul‐09
Aug‐09
Oct‐09
Nov‐09
Jan‐10
Feb‐10
Apr‐10
May‐10
Jul‐10
Aug‐10
Oct‐10
Dec‐10
Jan‐11
Mar‐11
Apr‐11
Jun‐11
Jul‐11
Sep‐11
Oct‐11
Dec‐11
Jan‐12
Mar‐12
Apr‐12
Jun‐12
Jul‐12
Sep‐12
Oct‐12
Dec‐12
Jan‐13
Mar‐13
Apr‐13
Jun‐13
Jul‐13
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
Bond Fund Benchmark
Investment Objective :
Date of Inception : SFIN No.
March 31, 2009 ULIF 005 31/03/09 SUD‐PI‐EQ1 142
Products : AUM :
Rs. 68.28 Cr
Portfolio % to AUM
`
Equity 88.34% Minimum Maximum
Reliance Industries Ltd 8.88% 80% 100% 88.34%
Larsen & Toubro Limited 7.27% 0% 20% 11.66%
Tata Consultancy Services Limited 6.14%
Housing Development Finance Corporation Ltd. 5.36%
Bharti Airtel Limited 4.86%
Sun Pharmaceuticals Industries Ltd 4.51%
Mahindra & Mahindra Ltd. 4.36%
Aditya Birla Nuvo Limited 4.28%
HDFC Bank Ltd 4.22%
ICICI Bank Ltd 3.81%
State Bank of India 3.66%
HCL Technologies Ltd 3.58%
Godrej Consumer Products Limited 3 41%
To seek consistent long term capital appreciation through investments primarily in equity and equity‐related
instruments by focusing predominantly on well established companies.
Asset Mix
ParticularsInvestment Pattern
Actual
MM & Others
INDIVIDUAL PENSION FUND EQUITY - JULY, 2013
Benchmark :
CNX Nifty Index ‐ 90%
CRISIL Liquid Fund Index ‐ 10%
Equity
For Dhruv Tara Products
MM & Others11.66%
Asset Allocation (% to AUM)
Godrej Consumer Products Limited 3.41%
Infosys Ltd 2.73%
Grasim Industries Ltd. 2.61%
Axis Bank Limited 2.17%
Power Grid Corporation of India Limited 2.05%
Bajaj Auto Limited 2.03%
Lupin Limited 1.93%
Hindalco Industries Ltd. 1.56%
Dr. Reddys Laboratories Ltd. 1.42%
Tata Motors Limited 1.09%
Wipro Ltd 1.04%
Others (with < 1% exposure) 5.39%
MM & Others 11.66%
Total 100.00%
`
20.25%
13.49%
8.88%
8.38%
7.27%
6.02%
5.45%
4.86%
4.28%
3.17%
Financial & Insurance
Computer programming, consultancy and related activities
Manufacture of coke and refined petroleum products
Manufacture of pharmaceuticals, medicinal chemical and botanical products
Civil engineering
Manufacture of chemicals and chemical products
Manufacture of motor vehicles, trailers and semi‐trailers
Telecommunications ‐ Infra
Diversified
Manufacture of Basic Metals
Top 10 Industry Exposure ( % to AUM)
Equity88.34%
MM & Others11.66%
Asset Allocation (% to AUM)
10
11
12
13
14
15
16
17
18
19
20
21
22
Mar‐09
May‐09
Jun‐09
Aug‐09
Sep‐09
Nov‐09
Dec‐09
Feb‐10
Mar‐10
May‐10
Jun‐10
Aug‐10
Sep‐10
Nov‐10
Dec‐10
Feb‐11
Mar‐11
May‐11
Jun‐11
Aug‐11
Sep‐11
Nov‐11
Dec‐11
Jan‐12
Mar‐12
Apr‐12
Jun‐12
Jul‐12
Sep‐12
Oct‐12
Dec‐12
Jan‐13
Mar‐13
Apr‐13
Jun‐13
Jul‐13
NAV/U
NIT (R
s)
NAV Performance (Since Inception)
Pen Equity Benchmark
20.25%
13.49%
8.88%
8.38%
7.27%
6.02%
5.45%
4.86%
4.28%
3.17%
Financial & Insurance
Computer programming, consultancy and related activities
Manufacture of coke and refined petroleum products
Manufacture of pharmaceuticals, medicinal chemical and botanical products
Civil engineering
Manufacture of chemicals and chemical products
Manufacture of motor vehicles, trailers and semi‐trailers
Telecommunications ‐ Infra
Diversified
Manufacture of Basic Metals
Top 10 Industry Exposure ( % to AUM)
Equity88.34%
MM & Others11.66%
Asset Allocation (% to AUM)
10
11
12
13
14
15
16
17
18
19
20
21
22
Mar‐09
May‐09
Jun‐09
Aug‐09
Sep‐09
Nov‐09
Dec‐09
Feb‐10
Mar‐10
May‐10
Jun‐10
Aug‐10
Sep‐10
Nov‐10
Dec‐10
Feb‐11
Mar‐11
May‐11
Jun‐11
Aug‐11
Sep‐11
Nov‐11
Dec‐11
Jan‐12
Mar‐12
Apr‐12
Jun‐12
Jul‐12
Sep‐12
Oct‐12
Dec‐12
Jan‐13
Mar‐13
Apr‐13
Jun‐13
Jul‐13
NAV/U
NIT (R
s)
NAV Performance (Since Inception)
Pen Equity Benchmark
Investment Objective :
Date of Inception : SFIN No.
March 31, 2009 ULIF 006 31/03/09 SUD‐PI‐GR1 142
Products : AUM :
Rs. 73.44 Cr
Portfolio % to AUM
`
Equity 67.98% Minimum Maximum
Reliance Industries Ltd 6.72% 40% 100% 67.98%
Tata Consultancy Services Limited 6.06% 0% 60% 32.02%
Larsen & Toubro Limited 5.23%
Bharti Airtel Limited 3.66%
Sun Pharmaceuticals Industries Ltd 3.37%
HDFC Bank Ltd 3.13%
ICICI Bank Ltd 3.09%
Housing Development Finance Corporation Ltd. 3.05%
Aditya Birla Nuvo Limited 2.97%
Bajaj Auto Limited 2.93%
Infosys Ltd 2.40%
Mahindra & Mahindra Ltd. 2.37%
State Bank of India 2.35%
HCL Technologies Ltd 2.24%
Axis Bank Limited 1.93%
Grasim Industries Ltd. 1.74%
Tata Global Beverages Ltd. 1.58%
Tata Steel Limited 1.41%
Dr. Reddys Laboratories Ltd. 1.39%
Power Grid Corporation of India Limited 1.37%
IndusInd Bank Limited 1.31%
Oil & Natural Gas Corpn Ltd 1.31%
Equity
Debt, MM & Others
To seek consistent growth over medium to long term by focusing predominantly on well established companies through
investments primarily in equity and equity‐related instruments and fair exposure to high credit quality portfolio of debt and
money market instruments.
Asset Mix
ParticularsInvestment Pattern
Actual
INDIVIDUAL PENSION FUND GROWTH - JULY, 2013
Benchmark :
CNX Nifty Index ‐ 70%
CRISIL Composite Bond Index ‐ 30%
For Dhruv Tara Products
Debt28.25%
Equity67.98%
MM & Others3.77%
Asset Allocation (% to AUM)
Gilt4.60%
AA0.95%
AA+9.67%
Debt Rating Profile (% of Debt)
ITC Ltd. 1.23%
Others (with < 1% exposure) 5.12%
Debt 28.25%
Gilts & SDL 1.30%
GOI 1.21%
SDL (with < 1% exposure) 0.09%
Corporate Bonds 26.95%
Housing Development Finance Corporation Ltd. 4.40%
Steel Authority of India Ltd. 2.79%
Tech Mahindra Limited 2.45%
The Great Eastern Shipping Co. Limited 2.33%
Reliance Gas Transportation Infrastructure Limited 1.94%
Indian Oil Corporation Ltd 1.70%
Power Finance Corporation Limited 1.61%
Indian Railway Financial Corporation Ltd. 1.38%
Power Grid Corporation of India Limited 1.36%
Tata Communications Limited 1.35%
The Indian Hotels Company Limited 1.34%
Rural Electrification Corporation Limited 1.34%
Others (with < 1% exposure) 2.97%
MM & Others 3.77%
Total 100.00%
`
21.14%
13.53%
9.09%
5.81%
5.23%
5.23%
5.01%
4.59%
Financial & Insurance
Computer programming, consultancy and related activities
Manufacture of coke and refined petroleum products
Manufacture of Basic Metals
Civil engineering
Manufacture of pharmaceuticals, medicinal chemical and botanical products
Telecommunications - Infra
Infrastructure finance services
Top 10 Industry Exposure ( % to AUM)
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
34.35%
24.53%
12.42%
24.18%
4.53%
Debt Maturity Profile ( % of Debt)
Debt28.25%
Equity67.98%
MM & Others3.77%
Asset Allocation (% to AUM)
Gilt4.60%
AAA84.77%
AA0.95%
AA+9.67%
Debt Rating Profile (% of Debt)
12
13
14
15
16
17
18
19
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
Pen Growth Benchmark
21.14%
13.53%
9.09%
5.81%
5.23%
5.23%
5.01%
4.59%
3.08%
2.97%
Financial & Insurance
Computer programming, consultancy and related activities
Manufacture of coke and refined petroleum products
Manufacture of Basic Metals
Civil engineering
Manufacture of pharmaceuticals, medicinal chemical and botanical products
Telecommunications - Infra
Infrastructure finance services
Electricity, Gas, Steam and Aircondition Supply -Infra
Diversified
Top 10 Industry Exposure ( % to AUM)
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
34.35%
24.53%
12.42%
24.18%
4.53%
Debt Maturity Profile ( % of Debt)
Debt28.25%
Equity67.98%
MM & Others3.77%
Asset Allocation (% to AUM)
Gilt4.60%
AAA84.77%
AA0.95%
AA+9.67%
Debt Rating Profile (% of Debt)
10
11
12
13
14
15
16
17
18
19
Mar‐09
May‐09
Jun‐09
Aug‐09
Sep‐09
Nov‐09
Dec‐09
Feb‐10
Mar‐10
May‐10
Jun‐10
Aug‐10
Sep‐10
Nov‐10
Dec‐10
Feb‐11
Mar‐11
May‐11
Jun‐11
Aug‐11
Sep‐11
Nov‐11
Dec‐11
Jan‐12
Mar‐12
Apr‐12
Jun‐12
Jul‐12
Sep‐12
Oct‐12
Dec‐12
Jan‐13
Mar‐13
Apr‐13
Jun‐13
Jul‐13
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
Pen Growth Benchmark
Investment Objective :
Date of Inception : SFIN No.
March 31, 2009 ULIF 007 31/03/09 SUD‐PI‐BL1 142
Products : AUM :
Rs. 46.39 Cr
Portfolio % to AUM
`
Equity 27.76% Minimum Maximum
Infosys Ltd 3.91% 0% 60% 27.76%
Reliance Industries Ltd 3.23% 40% 100% 72.24%
Housing Development Finance Corporation Ltd. 2.39%
Mahindra & Mahindra Ltd. 2.16%
Larsen & Toubro Limited 2.10%Aditya Birla Nuvo Limited 2.01%
ICICI Bank Ltd 1.41%
Dr. Reddys Laboratories Ltd. 1.18%
Bharti Airtel Limited 1.04%
Grasim Industries Ltd. 1.02%
Others (with < 1% exposure) 7.30%
Debt 65.43%
Gilts & SDL 8.87%
GOI 4.60%State Government ‐ Tamil Nadu 3.20%SDL (with < 1% exposure) 1.06%
Corporate Bonds 56.57%
Housing Development Finance Corporation Ltd. 5.28%Indian Oil Corporation Ltd 4.84%
Debt, MM & Others
To aim for stable returns over medium to long term through investments in high quality fixed income and money
market instruments and enhance returns through a fair exposure to equity investments.
Asset Mix
ParticularsInvestment Pattern
Actual
INDIVIDUAL PENSION FUND BALANCED - JULY, 2013
Benchmark :
CNX Nifty Index ‐ 30%
CRISIL Composite Bond Index ‐ 70%
Equity
For Dhruv Tara Products
Debt65.43%
Equity27.76%
MM & Others6.81%
Asset Allocation (% to AUM)
Gilt13.55%AA
1 96%
AA+11.60%
Debt Rating Profile (% of Debt)
Indian Oil Corporation Ltd 4.84%The Great Eastern Shipping Co. Limited 3.89%Steel Authority of India Ltd. 3.58%
Tata Communications Limited 3.42%
Power Finance Corporation Limited 3.41%
Larsen & Toubro Limited 3.34%
The Indian Hotels Company Limited 3.19%
LIC Housing Finance Ltd 3.19%
Rural Electrification Corporation Limited 3.18%
Tech Mahindra Limited 3.01%
Reliance Gas Transportation Infrastructure Limited 2.18%
Power Grid Corporation of India Limited 1.61%
TATA Sons 1.48%
National Bank For Agriculture And Rural Development 1.29%
Tata Steel Limited 1.28%
Indian Railway Financial Corporation Ltd. 1.27%
Reliance Industries Ltd 1.25%
Reliance Ports & Terminals Ltd. 1.13%
Reliance Capital Limited 1.07%
MRF Ltd. 1.05%
Others (with < 1% exposure) 2.61%
MM & Others 6.81%
Total 100.00%
`
18.77%
9.59%
9.33%
6.92%
6.11%
5.44%
4.46%
Financial & Insurance
Infrastructure finance services
Manufacture of coke and refined petroleum products
Computer programming, consultancy and related activities
Manufacture of Basic Metals
Civil engineering
Telecommunications - Infra
Top 10 Industry Exposure ( % to AUM)< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
33.08%
15.42%
18.59%
27.99%
4.93%
Debt Maturity Profile ( % of Debt)
Debt65.43%
Equity27.76%
MM & Others6.81%
Asset Allocation (% to AUM)
Gilt13.55%
AAA72.89%
AA1.96%
AA+11.60%
Debt Rating Profile (% of Debt)
11
12
13
14
15
16
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
Pen Bal Benchmark
18.77%
9.59%
9.33%
6.92%
6.11%
5.44%
4.46%
3.89%
3.19%
2.96%
Financial & Insurance
Infrastructure finance services
Manufacture of coke and refined petroleum products
Computer programming, consultancy and related activities
Manufacture of Basic Metals
Civil engineering
Telecommunications - Infra
Water transport
Accommodation
Manufacture of motor vehicles, trailers and semi-trailers
Top 10 Industry Exposure ( % to AUM)< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
33.08%
15.42%
18.59%
27.99%
4.93%
Debt Maturity Profile ( % of Debt)
Debt65.43%
Equity27.76%
MM & Others6.81%
Asset Allocation (% to AUM)
Gilt13.55%
AAA72.89%
AA1.96%
AA+11.60%
Debt Rating Profile (% of Debt)
10
11
12
13
14
15
16
Mar‐09
May‐09
Jun‐09
Aug‐09
Sep‐09
Nov‐09
Dec‐09
Feb‐10
Mar‐10
May‐10
Jun‐10
Aug‐10
Sep‐10
Nov‐10
Dec‐10
Feb‐11
Mar‐11
May‐11
Jun‐11
Aug‐11
Sep‐11
Nov‐11
Dec‐11
Jan‐12
Mar‐12
Apr‐12
Jun‐12
Jul‐12
Sep‐12
Oct‐12
Dec‐12
Jan‐13
Mar‐13
Apr‐13
Jun‐13
Jul‐13
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
Pen Bal Benchmark
Investment Objective :
Date of Inception : SFIN No.
March 31, 2009 ULIF 008 31/03/09 SUD‐PI‐BN1 142
Products : AUM :
Rs. 12.25 Cr
Portfolio % to AUM
`
Debt 93.16% Minimum Maximum
Gilts & SDL 21.50% 80% 100% 93.16%
GOI 11.64% 0% 20% 6.84%
State Government ‐ Tamil Nadu 4.04%
SDL ‐ Andhra Pradesh 2.24%
SDL ‐ Gujarat 1.59%
SDL ‐ Kerala 1.54%
SDL (with < 1% exposure) 0.47%
Corporate Bonds 71.65%
LIC Housing Finance Ltd 7.29%
Larsen & Toubro Limited 7.16%
Power Grid Corporation of India Limited 6.08%
Indian Oil Corporation Ltd 5.85%
Reliance Gas Transportation Infrastructure Limited 5.79%
l h f d d
MM & Others
To aim for stable returns over medium to long term by judicious mix of investments in Government securities and high
quality corporate debt of varying maturities and also in money market instruments.
Asset Mix
ParticularsInvestment Pattern
Actual
INDIVIDUAL PENSION FUND BOND - JULY, 2013
Benchmark :
CRISIL Composite Bond Index ‐ 90%
CRISIL Liquid Fund Index ‐ 10%
Debt
For Dhruv Tara Products
Debt93.16%
MM & Others6.84%
Asset Allocation (% to AUM)
Debt Rating Profile (% of Debt)Steel Authority of India Ltd. 5.53%
National Bank For Agriculture And Rural Development 4.86%
The Indian Hotels Company Limited 4.03%
Housing Development Finance Corporation Ltd. 3.91%
MRF Ltd. 3.31%
Power Finance Corporation Limited 3.23%
Tech Mahindra Limited 2.44%
TATA Sons 2.43%
Tata Communications Limited 2.43%
National Housing Bank 1.63%
Tata Steel Limited 1.62%
Indian Railway Financial Corporation Ltd. 1.60%
Others (with < 1% exposure) 2.46%
MM & Others 6.84%
Total 100.00%
`
16.08%
9.70%
7.16%
7.15%
6.67%
6.08%
5.79%
4.03%
Financial & Insurance
Infrastructure finance services
Civil engineering
Manufacture of Basic Metals
Manufacture of coke and refined petroleum products
Electricity, Gas, Steam and Aircondition Supply - Infra
Land transport and transport via pipelines - Infra
Accommodation
Top 10 Industry Exposure ( % to AUM)
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
26.56%
16.75%12.34%
35.71%
8.64%
Debt Maturity Profile ( % of Debt)
Debt93.16%
MM & Others6.84%
Asset Allocation (% to AUM)
Gilt23.08%
AAA64.70%
AA1.73%
AA+10.48%
Debt Rating Profile (% of Debt)
10.0
11.0
12.0
13.0
14.0
NAV/U
NIT (Rs)
NAV Performance (Since Inception)Pen Bond Benchmark
16.08%
9.70%
7.16%
7.15%
6.67%
6.08%
5.79%
4.03%
3.31%
2.44%
Financial & Insurance
Infrastructure finance services
Civil engineering
Manufacture of Basic Metals
Manufacture of coke and refined petroleum products
Electricity, Gas, Steam and Aircondition Supply - Infra
Land transport and transport via pipelines - Infra
Accommodation
Manufacture of rubber and plastics products
Computer programming, consultancy and related activities
Top 10 Industry Exposure ( % to AUM)
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
26.56%
16.75%12.34%
35.71%
8.64%
Debt Maturity Profile ( % of Debt)
Debt93.16%
MM & Others6.84%
Asset Allocation (% to AUM)
Gilt23.08%
AAA64.70%
AA1.73%
AA+10.48%
Debt Rating Profile (% of Debt)
9.0
10.0
11.0
12.0
13.0
14.0
Mar‐09
May‐09
Jun‐09
Aug‐09
Sep‐09
Nov‐09
Dec‐09
Feb‐10
Mar‐10
May‐10
Jun‐10
Aug‐10
Sep‐10
Nov‐10
Dec‐10
Feb‐11
Mar‐11
May‐11
Jun‐11
Aug‐11
Sep‐11
Nov‐11
Dec‐11
Jan‐12
Mar‐12
Apr‐12
Jun‐12
Jul‐12
Sep‐12
Oct‐12
Dec‐12
Jan‐13
Mar‐13
Apr‐13
Jun‐13
Jul‐13
NAV/U
NIT (Rs)
NAV Performance (Since Inception)Pen Bond Benchmark
Investment Objective :
Date of Inception : SFIN No.
January 20, 2010 ULIF 009 20/01/10 SUD‐LA‐EQ1 142
Products: AUM :
Rs. 461.94 Cr
Portfolio % to AUM
`
Equity 89.05% Minimum Maximum
Reliance Industries Ltd 6.31% 80% 100% 89.05%
Larsen & Toubro Limited 4.15% 0% 20% 10.95%
Sun Pharmaceuticals Industries Ltd 3.95%
Infosys Ltd 3.86%
HDFC Bank Ltd 3.78%
Tata Consultancy Services Limited 3.56%
Mahindra & Mahindra Ltd. 3.49%
Bharti Airtel Limited 3.22%
ITC Ltd. 3.19%
Oil & Natural Gas Corpn Ltd 3.04%
Housing Development Finance Corporation Ltd. 2.91%
ICICI Bank Ltd 2.87%
Tata Global Beverages Ltd. 2.81%
Tech Mahindra Limited 2.77%
Axis Bank Limited 2.61%
HCL Technologies Ltd 2.42%
State Bank of India 2 37%
Equity
MM & Others
Benchmark :
CNX Nifty Index ‐ 90%
CRISIL Liquid Fund Index ‐ 10%
APEX EQUITY FUND - JULY, 2013
To tap growth opportunities for long term capital appreciation through investments primarily in equity and equity‐
related instruments.
Investment PatternActual
Asset Mix
Particulars
For New Dhan Suraksha, New Dhan Suraksha Premium,
New Prabhat Tara, Dhan Suraksha 3 & Dhan Suraksha
Premium 3, Prabhat Tara 3.
Equity89.05%
MM & Others10.95%
Asset Allocation (% to AUM)
State Bank of India 2.37%
Power Grid Corporation of India Limited 2.35%
Tata Motors Limited 2.34%
Aditya Birla Nuvo Limited 2.03%
Bajaj Auto Limited 1.69%
Coal India Limited 1.59%
Dr. Reddys Laboratories Ltd. 1.58%
Cipla Ltd. 1.57%
Hindalco Industries Ltd. 1.53%
Lupin Limited 1.43%
IndusInd Bank Limited 1.42%
Tata Steel Limited 1.25%
Ambuja Cements Ltd 1.17%
Hindustan Petroleum Corporation Ltd. 1.07%
Sterlite Industries ( India ) Limited 1.04%
Wipro Ltd 1.04%
Others (with < 1% exposure) 8.64%
MM & Others 10.95%
Total 100.00%
`
19.35%
13.65%
8.53%
7.38%
5.95%
4.15%
3.82%
3.52%
Financial & Insurance
Computer programming, consultancy and related activities
Manufacture of pharmaceuticals, medicinal chemical and botanical products
Manufacture of coke and refined petroleum products
Manufacture of motor vehicles, trailers and semi-trailers
Civil engineering
Manufacture of Basic Metals
Extraction of crude petroleum and natural gas
Top 10 Industry Exposure ( % to AUM)
Equity89.05%
MM & Others10.95%
Asset Allocation (% to AUM)
8.0
9.0
10.0
11.0
12.0
13.0
Jan‐10
Mar‐10
Apr‐10
Jun‐10
Aug‐10
Sep‐10
Nov‐10
Dec‐10
Feb‐11
Apr‐11
May‐11
Jul‐11
Aug‐11
Oct‐11
Dec‐11
Jan‐12
Mar‐12
May‐12
Jun‐12
Aug‐12
Sep‐12
Nov‐12
Jan‐13
Feb‐13
Apr‐13
May‐13
Jul‐13
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
Apex Equity Benchmark
19.35%
13.65%
8.53%
7.38%
5.95%
4.15%
3.82%
3.52%
3.22%
3.19%
Financial & Insurance
Computer programming, consultancy and related activities
Manufacture of pharmaceuticals, medicinal chemical and botanical products
Manufacture of coke and refined petroleum products
Manufacture of motor vehicles, trailers and semi-trailers
Civil engineering
Manufacture of Basic Metals
Extraction of crude petroleum and natural gas
Telecommunications - Infra
Manufacture of tobacco products
Top 10 Industry Exposure ( % to AUM)
Equity89.05%
MM & Others10.95%
Asset Allocation (% to AUM)
8.0
9.0
10.0
11.0
12.0
13.0
Jan‐10
Mar‐10
Apr‐10
Jun‐10
Aug‐10
Sep‐10
Nov‐10
Dec‐10
Feb‐11
Apr‐11
May‐11
Jul‐11
Aug‐11
Oct‐11
Dec‐11
Jan‐12
Mar‐12
May‐12
Jun‐12
Aug‐12
Sep‐12
Nov‐12
Jan‐13
Feb‐13
Apr‐13
May‐13
Jul‐13
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
Apex Equity Benchmark
Investment Objective :
Date of Inception : SFIN No.
January 20, 2010 ULIF 010 20/01/10 SUD‐LA‐GR1 142
Products : AUM :
Rs. 480.9 Cr
Portfolio % to AUM
`
Equity 67.02% Minimum Maximum
Reliance Industries Ltd 4.30% 55% 85% 67.02%
Tata Consultancy Services Limited 3.07% 15% 45% 32.98%
Larsen & Toubro Limited 2.88%
Mahindra & Mahindra Ltd. 2.85%
Sun Pharmaceuticals Industries Ltd 2.84%
Tech Mahindra Limited 2.73%
Infosys Ltd 2.65%
Tata Global Beverages Ltd. 2.65%
Oil & Natural Gas Corpn Ltd 2.49%
Bharti Airtel Limited 2.46%
Axis Bank Limited 2.37%
HDFC Bank Ltd 2.36%
ICICI Bank Ltd 2.13%
Power Grid Corporation of India Limited 1.97%
ITC Ltd. 1.90%
Aditya Birla Nuvo Limited 1.87%
Housing Development Finance Corporation Ltd. 1.84%
HCL Technologies Ltd 1.50%
Lupin Limited 1.42%
IndusInd Bank Limited 1.40%
Cipla Ltd. 1.39%
Equity
Debt, MM & Others
Benchmark :
CNX Nifty Index ‐ 70%
CRISIL Composite Bond Index ‐ 30%
APEX GROWTH FUND - JULY, 2013
To aim for medium to long term capital appreciation by maintaining a diversified portfolio of equity and equity
related instruments and fair exposure to high credit quality portfolio of debt and money market instruments.
Investment PatternActual
Asset Mix
Particulars
For New Dhan Suraksha, New Dhan Suraksha
Premium, New Prabhat Tara, Dhan Suraksha 3 & Dhan
Suraksha Premium 3, Prabhat Tara 3.
Debt26.69%
Equity67.02%
MM & Others6.28%
Asset Allocation (% to AUM)
Gilt14.21%AA+
17.62%
AA‐1.57%
Debt Rating Profile (% of Debt)
State Bank of India 1.29%
Hindalco Industries Ltd. 1.28%
Tata Motors Limited 1.22%
Bajaj Auto Limited 1.18%
Coal India Limited 1.14%
Dr. Reddys Laboratories Ltd. 1.10%
Tata Steel Limited 1.09%
Ambuja Cements Ltd 1.00%
Others (with < 1% exposure) 8.64%
Debt 26.69%
Gilts & SDL 3.79%
GOI 3.78%
SDL (with < 1% exposure) 0.02%
Corporate Bonds 22.90%
Power Grid Corporation of India Limited 2.58%
Power Finance Corporation Limited 2.40%
Rural Electrification Corporation Limited 2.37%
Housing Development Finance Corporation Ltd. 2.01%
Sundaram Finance Ltd. 1.07%
Others (with < 1% exposure) 12.47%
MM & Others 6.28%
Total 100.00%
`
20.74%
11.17%
7.20%
6.34%
6.19%
5.37%
4.35%
Financial & Insurance
Computer programming, consultancy and related activities
Manufacture of pharmaceuticals, medicinal chemical and botanical products
Manufacture of coke and refined petroleum products
Infrastructure finance services
Electricity, Gas, Steam and Aircondition Supply - Infra
Manufacture of motor vehicles, trailers and semi-trailers
Top 10 Industry Exposure ( % to AUM)
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
20.83%
11.36%8.11%
40.75%
18.96%
Debt Maturity Profile ( % of Debt)
Debt26.69%
Equity67.02%
MM & Others6.28%
Asset Allocation (% to AUM)
Gilt14.21%
AAA66.60%
AA+17.62%
AA‐1.57%
Debt Rating Profile (% of Debt)
10.0
10.5
11.0
11.5
12.0
12.5
NAV/U
NIT (R
s)
NAV Performance (Since Inception)
Apex Growth Benchmark20.74%
11.17%
7.20%
6.34%
6.19%
5.37%
4.35%
4.29%
3.08%
2.92%
Financial & Insurance
Computer programming, consultancy and related activities
Manufacture of pharmaceuticals, medicinal chemical and botanical products
Manufacture of coke and refined petroleum products
Infrastructure finance services
Electricity, Gas, Steam and Aircondition Supply - Infra
Manufacture of motor vehicles, trailers and semi-trailers
Manufacture of Basic Metals
Civil engineering
Extraction of crude petroleum and natural gas
Top 10 Industry Exposure ( % to AUM)
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
20.83%
11.36%8.11%
40.75%
18.96%
Debt Maturity Profile ( % of Debt)
Debt26.69%
Equity67.02%
MM & Others6.28%
Asset Allocation (% to AUM)
Gilt14.21%
AAA66.60%
AA+17.62%
AA‐1.57%
Debt Rating Profile (% of Debt)
9.0
9.5
10.0
10.5
11.0
11.5
12.0
12.5
Jan‐10
Mar‐10
Apr‐10
Jun‐10
Aug‐10
Sep‐10
Nov‐10
Dec‐10
Feb‐11
Apr‐11
May‐11
Jul‐11
Aug‐11
Oct‐11
Dec‐11
Jan‐12
Mar‐12
May‐12
Jun‐12
Aug‐12
Sep‐12
Nov‐12
Jan‐13
Feb‐13
Apr‐13
May‐13
Jul‐13
NAV/U
NIT (R
s)
NAV Performance (Since Inception)
Apex Growth Benchmark
Investment Objective :
Date of Inception : SFIN No.
January 20, 2010 ULIF 011 20/01/10 SUD‐LA‐BL1 142
Products : AUM :
Rs. 324.59 Cr
Portfolio % to AUM
`
Equity 46.14% Minimum Maximum
Reliance Industries Ltd 2.97% 35% 65% 46.14%
Larsen & Toubro Limited 2.55% 35% 65% 53.86%
Infosys Ltd 2.44%
Tech Mahindra Limited 2.35%
Mahindra & Mahindra Ltd. 2.30%
Tata Global Beverages Ltd. 2.09%
Sun Pharmaceuticals Industries Ltd 1.76%
HDFC Bank Ltd 1.70%
Bharti Airtel Limited 1.67%
Axis Bank Limited 1.56%
Aditya Birla Nuvo Limited 1.54%
ICICI Bank Ltd 1.52%
Oil & Natural Gas Corpn Ltd 1.50%
ITC Ltd. 1.36%
State Bank of India 1.30%
Lupin Limited 1.30%
Coal India Limited 1.22%
Power Grid Corporation of India Limited 1.22%
HCL Technologies Ltd 1.21%
Others (with < 1% exposure) 12.57%
Debt 44.17%
Gil & SDL 8 22%
Equity
Debt, MM & Others
To optimize returns over medium to long term, by aiming balance between risk and return, through investments in
high quality equity and debt instruments.
Benchmark :
CNX Nifty Index ‐ 50%
CRISIL Composite Bond Index ‐ 50%
For New Dhan Suraksha, New Dhan Suraksha
Premium, New Prabhat Tara, Dhan Suraksha 3 & Dhan
Suraksha Premium 3, Prabhat Tara 3.
APEX BALANCED FUND - JULY, 2013
Investment PatternActual
Asset Mix
Particulars
Debt44.17%
Equity46.14%
MM & Others9.69%
Asset Allocation( % to AUM)
Gilt18.60%
AA+14.21%
AA‐3.51%
Debt Rating Profile (% of Debt)
Gilts & SDL 8.22%
GOI 5.46%
SDL (with < 1% exposure) 2.75%
Corporate Bonds 35.95%
Power Finance Corporation Limited 5.13%
Power Grid Corporation of India Limited 4.11%
LIC Housing Finance Ltd 2.93%
Housing Development Finance Corporation Ltd. 1.87%
Reliance Ports & Terminals Ltd. 1.78%
United Phosphorus Limited 1.57%
Raymond Ltd. 1.55%
Infrastructure Leasing & Financial Services Ltd. 1.42%
Reliance Gas Transportation Infrastructure Limited 1.41%
UltraTech Cement Limited 1.32%
HDB Financial Services LTD 1.23%
Mahindra & Mahindra Financial Services Limited 1.22%
Rural Electrification Corporation Limited 1.11%
Sundaram Finance Ltd. 1.11%
Steel Authority of India Ltd. 1.08%
Hindalco Industries Ltd. 1.06%Others (with < 1% exposure) 7.10%
MM & Others 9.69%
Total 100.00%
`
20.44%
8.77%
7.69%
5.47%
4.50%
3.60%
3.57%
Financial & Insurance
Infrastructure finance services
Computer programming, consultancy and
related activities
Electricity, Gas, Steam and Aircondition Supply - Infra
Manufacture of pharmaceuticals, medicinal
chemical and botanical products
Manufacture of Basic Metals
Manufacture of coke and refined petroleum products
Top 10 Industry Exposure ( % to AUM)
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
18.11%
12.42%
8.98%
45.65%
14.84%
Debt Maturity Profile ( % of Debt)
Debt44.17%
Equity46.14%
MM & Others9.69%
Asset Allocation( % to AUM)
Gilt18.60%
AAA63.68%
AA+14.21%
AA‐3.51%
Debt Rating Profile (% of Debt)
10
10.5
11
11.5
12
12.5
13
NAV/U
NIT (R
s)
NAV Performance (Since Inception)
Apex Balance Benchmark
20.44%
8.77%
7.69%
5.47%
4.50%
3.60%
3.57%
3.51%
3.09%
2.34%
Financial & Insurance
Infrastructure finance services
Computer programming, consultancy and
related activities
Electricity, Gas, Steam and Aircondition Supply - Infra
Manufacture of pharmaceuticals, medicinal
chemical and botanical products
Manufacture of Basic Metals
Manufacture of coke and refined petroleum products
Civil engineering
Manufacture of motor vehicles, trailers and semi-trailers
Manufacture of other non-metallic mineral products
Top 10 Industry Exposure ( % to AUM)
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
18.11%
12.42%
8.98%
45.65%
14.84%
Debt Maturity Profile ( % of Debt)
Debt44.17%
Equity46.14%
MM & Others9.69%
Asset Allocation( % to AUM)
Gilt18.60%
AAA63.68%
AA+14.21%
AA‐3.51%
Debt Rating Profile (% of Debt)
9
9.5
10
10.5
11
11.5
12
12.5
13
Jan‐10
Mar‐10
Apr‐10
Jun‐10
Aug‐10
Sep‐10
Nov‐10
Dec‐10
Feb‐11
Apr‐11
May‐11
Jul‐11
Aug‐11
Oct‐11
Dec‐11
Jan‐12
Mar‐12
May‐12
Jun‐12
Aug‐12
Sep‐12
Nov‐12
Jan‐13
Feb‐13
Apr‐13
May‐13
Jul‐13
NAV/U
NIT (R
s)
NAV Performance (Since Inception)
Apex Balance Benchmark
Investment Objective :
Date of Inception : SFIN No.
January 20, 2010 ULIF 012 20/01/10 SUD‐LA‐BN1 142
Products : AUM :
Rs. 122.44 Cr
Portfolio % to AUM
`
Debt 90.47% Minimum Maximum
Gilts & SDL 29.12% 80% 100% 90.47%
GOI 26.38% 0% 20% 9.53%
State Government ‐ Tamil Nadu 1.62%
SDL (with < 1% exposure) 1.12%
Corporate Bonds 61.35%
Power Grid Corporation of India Limited 5.87%
National Thermal Power Corporation Limited 5.54%
Mahindra & Mahindra Financial Services Limited 5.29%
Power Finance Corporation Limited 4.40%
Steel Authority of India Ltd. 4.36%
Reliance Ports & Terminals Ltd. 4.03%
LIC Housing Finance Ltd 3.48%
Rural Electrification Corporation Limited 2.32%
Housing Development Finance Corporation Ltd. 2.12%
Infrastructure Leasing & Financial Services Ltd. 2.09%
DEBT
MM & Others
Particulars
Benchmark :
CRISIL Composite Bond Index ‐ 90%
CRISIL Liquid Fund Index ‐ 10%
APEX BOND FUND - JULY, 2013
To aim for stable returns over medium to long term by judicious mix of investments in Government securities and high
quality corporate debt of varying maturities and also in money market instruments.
Investment PatternActual
Asset Mix
For New Dhan Suraksha, New Dhan Suraksha Premium,
New Prabhat Tara, Dhan Suraksha 3 & Dhan Suraksha
Premium 3, Prabhat Tara 3.
Debt90.47%
MM & Others9.53%
Asset Allocation (% to AUM)
AA‐Debt Rating Profile (% of Debt)g
Reliance Capital Limited 2.05%
Hindalco Industries Ltd. 2.01%
Reliance Industries Ltd 1.94%
The Great Eastern Shipping Co. Limited 1.64%
The Indian Hotels Company Limited 1.61%
Chennai Petroleum Corporation Limited 1.59%
Larsen & Toubro Limited 1.35%
Sundaram Finance Ltd. 1.26%
MRF Ltd. 1.24%
L & T Finance Ltd. 1.23%
TATA Sons 1.04%
Reliance Gas Transportation Infrastructure Limited 1.01%
Others (with < 1% exposure) 3.87%
MM & Others 9.53%
Total 100.00%
`
17.29%
11.42%
9.70%
6.37%
4.03%
3.53%
1.64%
1.61%
Financial & Insurance
Electricity, Gas, Steam and Aircondition Supply - Infra
Infrastructure finance services
Manufacture of Basic Metals
Warehousing and support activities for transportation - Infra
Manufacture of coke and refined petroleum products
Water transport
Accommodation
Top 10 Industry Exposure ( % to AUM)
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
10.02% 8.77%
3.57%
43.26%
34.37%
Debt Maturity Profile ( % of Debt)
Debt90.47%
MM & Others9.53%
Asset Allocation (% to AUM)
Gilt32.19%
AAA52.17%
AA+14.96%
AA‐0.68%
Debt Rating Profile (% of Debt)
10.610.811.011.211.411.611.812.012.212.412.612.813.013.213.413.6
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
Apex Bond Benchmark
17.29%
11.42%
9.70%
6.37%
4.03%
3.53%
1.64%
1.61%
1.35%
1.24%
Financial & Insurance
Electricity, Gas, Steam and Aircondition Supply - Infra
Infrastructure finance services
Manufacture of Basic Metals
Warehousing and support activities for transportation - Infra
Manufacture of coke and refined petroleum products
Water transport
Accommodation
Civil engineering
Manufacture of rubber and plastics products
Top 10 Industry Exposure ( % to AUM)
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
10.02% 8.77%
3.57%
43.26%
34.37%
Debt Maturity Profile ( % of Debt)
Debt90.47%
MM & Others9.53%
Asset Allocation (% to AUM)
Gilt32.19%
AAA52.17%
AA+14.96%
AA‐0.68%
Debt Rating Profile (% of Debt)
9.810.010.210.410.610.811.011.211.411.611.812.012.212.412.612.813.013.213.413.6
Jan‐10
Mar‐10
Apr‐10
Jun‐10
Aug‐10
Sep‐10
Nov‐10
Dec‐10
Feb‐11
Apr‐11
May‐11
Jul‐11
Aug‐11
Oct‐11
Dec‐11
Jan‐12
Mar‐12
May‐12
Jun‐12
Aug‐12
Sep‐12
Nov‐12
Jan‐13
Feb‐13
Apr‐13
May‐13
Jul‐13
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
Apex Bond Benchmark
Investment Objective :
Date of Inception : SFIN No.
January 20, 2010 ULIF 013 20/01/10 SUD‐PA‐EQ1 142
Products : AUM :
Rs. 108.44 Cr
Portfolio % to AUM
`
Equity 90.69% Minimum Maximum
Reliance Industries Ltd 7.89% 80% 100% 90.69%
Larsen & Toubro Limited 5.91% 0% 20% 9.31%
HDFC Bank Ltd 4.81%
Tata Consultancy Services Limited 4.69%
Housing Development Finance Corporation Ltd. 4.30%
Infosys Ltd 4.09%
Bharti Airtel Limited 3.90%
State Bank of India 3.80%
HCL Technologies Ltd 3.79%
Mahindra & Mahindra Ltd. 3.69%
Sun Pharmaceuticals Industries Ltd 3.47%
ICICI Bank Ltd 3.01%
Power Grid Corporation of India Limited 2.98%
Aditya Birla Nuvo Limited 2.88%
Axis Bank Limited 2.80%
MM & Others
To seek consistent long term capital appreciation through investments primarily in equity and equity‐related
instruments by focusing predominantly on well established companies.
Asset Mix
ParticularsInvestment Pattern
Actual
INDIVIDUAL PENSION FUND APEX EQUITY - JULY, 2013
Benchmark :
CNX Nifty Index ‐ 90%
CRISIL Liquid Fund Index ‐ 10%
Equity
For New Dhruv Tara Products
i
MM & Others9.31%
Asset Allocation (% to AUM)
Oil & Natural Gas Corpn Ltd 2.65%
Godrej Consumer Products Limited 2.51%
Tata Motors Limited 2.51%
ITC Ltd. 2.26%
Cipla Ltd. 2.10%
Lupin Limited 1.73%
Bajaj Auto Limited 1.68%
IndusInd Bank Limited 1.65%
Dr. Reddys Laboratories Ltd. 1.65%
Tata Global Beverages Ltd. 1.60%
Grasim Industries Ltd. 1.54%
Hindalco Industries Ltd. 1.09%
Others (with < 1% exposure) 5.71%
MM & Others 9.31%
Total 100.00%
`
20.99%
13.51%
8.95%
8.53%
6.20%
5.91%
4.05%
3.90%
3.83%
Financial & Insurance
Computer programming, consultancy and related activities
Manufacture of pharmaceuticals, medicinal chemical and
botanical products
Manufacture of coke and refined petroleum products
Manufacture of motor vehicles, trailers and semi-trailers
Civil engineering
Manufacture of chemicals and chemical products
Telecommunications - Infra
Electricity, Gas, Steam and Aircondition Supply Infra
Top 10 Industry Exposure ( % to AUM)
Equity90.69%
MM & Others9.31%
Asset Allocation (% to AUM)
8.5
9.0
9.5
10.0
10.5
11.0
11.5
12.0
12.5
13.0
Jan‐10
Mar‐10
Apr‐10
Jun‐10
Aug‐10
Sep‐10
Nov‐10
Dec‐10
Feb‐11
Apr‐11
May‐11
Jul‐11
Aug‐11
Oct‐11
Dec‐11
Jan‐12
Mar‐12
May‐12
Jun‐12
Aug‐12
Sep‐12
Nov‐12
Jan‐13
Feb‐13
Apr‐13
May‐13
Jul‐13
NAV/U
NIT (R
s)
NAV Performance (Since Inception)
Pen Apex Equity Benchmark
20.99%
13.51%
8.95%
8.53%
6.20%
5.91%
4.05%
3.90%
3.83%
2.99%
Financial & Insurance
Computer programming, consultancy and related activities
Manufacture of pharmaceuticals, medicinal chemical and
botanical products
Manufacture of coke and refined petroleum products
Manufacture of motor vehicles, trailers and semi-trailers
Civil engineering
Manufacture of chemicals and chemical products
Telecommunications - Infra
Electricity, Gas, Steam and Aircondition Supply - Infra
Extraction of crude petroleum and natural gas
Top 10 Industry Exposure ( % to AUM)
Equity90.69%
MM & Others9.31%
Asset Allocation (% to AUM)
8.5
9.0
9.5
10.0
10.5
11.0
11.5
12.0
12.5
13.0
Jan‐10
Mar‐10
Apr‐10
Jun‐10
Aug‐10
Sep‐10
Nov‐10
Dec‐10
Feb‐11
Apr‐11
May‐11
Jul‐11
Aug‐11
Oct‐11
Dec‐11
Jan‐12
Mar‐12
May‐12
Jun‐12
Aug‐12
Sep‐12
Nov‐12
Jan‐13
Feb‐13
Apr‐13
May‐13
Jul‐13
NAV/U
NIT (R
s)
NAV Performance (Since Inception)
Pen Apex Equity Benchmark
Investment Objective :
Date of Inception : SFIN No.
January 20, 2010 ULIF 014 20/01/10 SUD‐PA‐GR1 142
Products : AUM :
Rs. 125.2 Cr
Portfolio % to AUM
`
Equity 67.05% Minimum Maximum
Reliance Industries Ltd 5.40% 55% 85% 67.05%
Larsen & Toubro Limited 4.55% 15% 45% 32.95%
Tata Consultancy Services Limited 3.98%
Housing Development Finance Corporation Ltd. 3.80%
Bharti Airtel Limited 3.77%
HDFC Bank Ltd 3.42%
Mahindra & Mahindra Ltd. 3.34%
Infosys Ltd 2.95%
Sun Pharmaceuticals Industries Ltd 2.93%
HCL Technologies Ltd 2.66%
ITC Ltd. 2.50%
Aditya Birla Nuvo Limited 2.22%
Axis Bank Limited 2.20%
Tech Mahindra Limited 2.15%
Power Grid Corporation of India Limited 2.06%
Cipla Ltd. 1.74%
Bajaj Auto Limited 1.64%
State Bank of India 1.62%
Lupin Limited 1.60%
Debt, MM & Others
To seek consistent growth over medium to long term by focusing predominantly on well established companies
through investments primarily in equity and equity‐related instruments and fair exposure to high credit quality
portfolio of debt and money market instruments.
Asset Mix
ParticularsInvestment Pattern
Actual
INDIVIDUAL PENSION FUND APEX GROWTH - JULY, 2013
Benchmark :
CNX Nifty Index ‐ 70%
CRISIL Composite Bond Index ‐ 30%
Equity
For New Dhruv Tara Products
Debt27.82%
Equity67.05%
MM & Others5.13%
Asset Allocation (% to AUM)
Gilt13 78%
AA+7 17%
Debt Rating Profile (% of Debt)p
ICICI Bank Ltd 1.47%
Godrej Consumer Products Limited 1.39%
Tata Motors Limited 1.21%
Hindalco Industries Ltd. 1.18%
Tata Steel Limited 1.04%
Others (with < 1% exposure) 6.25%
Debt 27.82%
Gilts & SDL 3.83%
GOI 2.55%
SDL (with < 1% exposure) 1.29%
Corporate Bonds 23.98%Housing Development Finance Corporation Ltd. 3.53%
Power Finance Corporation Limited 3.47%
Reliance Ports & Terminals Ltd. 3.35%
LIC Housing Finance Ltd 1.72%
Dr. Reddy's Laboratories Ltd. 1.60%
Reliance Gas Transportation Infrastructure Limited 1.22%
National Housing Bank 1.20%
Tech Mahindra Limited 1.12%
TATA Sons 1.02%
Others (with < 1% exposure) 5.76%
MM & Others 5.13%
Total 100.00%
`
21.44%
13.24%
8.57%
6.16%
5.58%
5.32%
4.55%
Financial & Insurance
Computer programming, consultancy and related activities
Manufacture of pharmaceuticals, medicinal chemical and botanical products
Manufacture of coke and refined petroleum products
Infrastructure finance services
Civil engineering
Manufacture of motor vehicles, trailers and semi-trailers
Top 10 Industry Exposure ( % to AUM)
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
32.45%
18.51%
4.96%
37.67%
6.41%
Debt Maturity Profile ( % of Debt)
Debt27.82%
Equity67.05%
MM & Others5.13%
Asset Allocation (% to AUM)
Gilt13.78%
AAA79.04%
AA+7.17%
Debt Rating Profile (% of Debt)
9 5
10.0
10.5
11.0
11.5
12.0
12.5
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
Pen Apex Growth Benchmark21.44%
13.24%
8.57%
6.16%
5.58%
5.32%
4.55%
3.77%
3.69%
3.64%
Financial & Insurance
Computer programming, consultancy and related activities
Manufacture of pharmaceuticals, medicinal chemical and botanical products
Manufacture of coke and refined petroleum products
Infrastructure finance services
Civil engineering
Manufacture of motor vehicles, trailers and semi-trailers
Telecommunications - Infra
Manufacture of Basic Metals
Warehousing and support activities for transportation - Infra
Top 10 Industry Exposure ( % to AUM)
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
32.45%
18.51%
4.96%
37.67%
6.41%
Debt Maturity Profile ( % of Debt)
Debt27.82%
Equity67.05%
MM & Others5.13%
Asset Allocation (% to AUM)
Gilt13.78%
AAA79.04%
AA+7.17%
Debt Rating Profile (% of Debt)
9.0
9.5
10.0
10.5
11.0
11.5
12.0
12.5
Jan‐10
Mar‐10
Apr‐10
Jun‐10
Aug‐10
Sep‐10
Nov‐10
Dec‐10
Feb‐11
Apr‐11
May‐11
Jul‐11
Aug‐11
Oct‐11
Dec‐11
Jan‐12
Mar‐12
May‐12
Jun‐12
Aug‐12
Sep‐12
Nov‐12
Jan‐13
Feb‐13
Apr‐13
May‐13
Jul‐13
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
Pen Apex Growth Benchmark
Investment Objective :
Date of Inception : SFIN No.
January 20, 2010 ULIF 015 20/01/10 SUD‐PA‐BL1 142
Products : AUM :
Rs. 57.89 Cr
Portfolio % to AUM
`
Equity 50.63% Minimum Maximum
Reliance Industries Ltd 4.84% 35% 65% 50.63%
Mahindra & Mahindra Ltd. 4.13% 35% 65% 49.37%
HDFC Bank Ltd 3.42%
HCL Technologies Ltd 3.10%Lupin Limited 2.66%Larsen & Toubro Limited 2.52%
Oil & Natural Gas Corpn Ltd 2.46%
Tata Consultancy Services Limited 2.45%
Tech Mahindra Limited 2.38%State Bank of India 1.50%Grasim Industries Ltd. 1.44%
Housing Development Finance Corporation Ltd. 2.21%Aditya Birla Nuvo Limited 1.96%
Bharti Airtel Limited 1.79%Infosys Ltd 1.57%Power Grid Corporation of India Limited 1.43%Cipla Ltd. 1.38%IndusInd Bank Limited 1.24%Tata Steel Limited 1.22%Sun Pharmaceuticals Industries Ltd 1.17%Axis Bank Limited 1.07%
Debt, MM & Others
To optimize returns over medium to long term, by aiming balance between risk and return, through investments
in high quality equity and debt instruments.
Asset Mix
ParticularsInvestment Pattern
Actual
INDIVIDUAL PENSION FUND APEX BALANCED -JULY, 2013
Benchmark :
CNX Nifty Index ‐ 50%
CRISIL Composite Bond Index ‐ 50%
Equity
For New Dhruv Tara Products
Debt43.97%
Equity50.63%
MM & Others5.40%
Asset Allocation (% to AUM)
Gilt25.30%
AA+2.64%
Debt Rating Profile (% of Debt)
Axis Bank Limited 1.07%ICICI Bank Ltd 1.02%
Others (with < 1% exposure) 3.68%
Debt 43.98%
Gilts & SDL 11.12%
GOI 7.21%
State Government ‐ Tamil Nadu 1.70%
SDL ‐ Gujarat 1.68%
SDL ‐ Other States (with < 1% exposure) 0.54%
Corporate Bonds 32.85%
LIC Housing Finance Ltd 4.79%
Reliance Ports & Terminals Ltd. 4.53%
Larsen & Toubro Limited 4.33%
Housing Development Finance Corporation Ltd. 3.39%
Power Finance Corporation Limited 3.21%
Infrastructure Leasing & Financial Services Ltd. 1.77%
Reliance Gas Transportation Infrastructure Limited 1.77%
TATA Sons 1.70%
Indian Railway Financial Corporation Ltd. 1.03%
Others (with < 1% exposure) 7.36%
MM & Others 5.40%
Total 100.00%
`
22.61%
10.19%
6.85%
6.85%
5.52%
5.51%
4.53%
4.38%
Financial & Insurance
Computer programming, consultancy and related activities
Civil engineering
Infrastructure finance services
Manufacture of pharmaceuticals, medicinal chemical and
botanical products
Manufacture of coke and refined petroleum products
Warehousing and support activities for transportation - Infra
Manufacture of motor vehicles, trailers and semi-trailers
Top 10 Industry Exposure ( % to AUM) < 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
19.55%16.92%
0.95%
49.95%
12.63%
Debt Maturity Profile ( % of Debt)
Debt43.97%
Equity50.63%
MM & Others5.40%
Asset Allocation (% to AUM)
Gilt25.30%
AAA72.07%
AA+2.64%
Debt Rating Profile (% of Debt)
9.5
10.0
10.5
11.0
11.5
12.0
12.5
13.0
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
Pen Apex Bal Benchmark
22.61%
10.19%
6.85%
6.85%
5.52%
5.51%
4.53%
4.38%
2.90%
2.46%
Financial & Insurance
Computer programming, consultancy and related activities
Civil engineering
Infrastructure finance services
Manufacture of pharmaceuticals, medicinal chemical and
botanical products
Manufacture of coke and refined petroleum products
Warehousing and support activities for transportation - Infra
Manufacture of motor vehicles, trailers and semi-trailers
Manufacture of Basic Metals
Extraction of crude petroleum and natural gas
Top 10 Industry Exposure ( % to AUM) < 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
19.55%16.92%
0.95%
49.95%
12.63%
Debt Maturity Profile ( % of Debt)
Debt43.97%
Equity50.63%
MM & Others5.40%
Asset Allocation (% to AUM)
Gilt25.30%
AAA72.07%
AA+2.64%
Debt Rating Profile (% of Debt)
9.0
9.5
10.0
10.5
11.0
11.5
12.0
12.5
13.0
Jan‐10
Mar‐10
Apr‐10
Jun‐10
Aug‐10
Sep‐10
Nov‐10
Dec‐10
Feb‐11
Apr‐11
May‐11
Jul‐11
Aug‐11
Oct‐11
Dec‐11
Jan‐12
Mar‐12
May‐12
Jun‐12
Aug‐12
Sep‐12
Nov‐12
Jan‐13
Feb‐13
Apr‐13
May‐13
Jul‐13
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
Pen Apex Bal Benchmark
Investment Objective :
Date of Inception : SFIN No.
January 20, 2010 ULIF 016 20/01/10 SUD‐PA‐BN1 142
Products : AUM :
For New Dhruv Tara Products Rs. 25.75 Cr
Portfolio % to AUM
`
Debt 91.95% Minimum Maximum
Gilts & SDL 31.80% 80% 100% 91.95%
GOI 24.55% 0% 20% 8.05%
SDL ‐ Gujarat 3.21%
State Govt ‐ Maharashtra 2.78%
SDL (with < 1% exposure) 1.26%
Corporate Bonds 60.15%
Power Grid Corporation of India Limited 6.63%
Power Finance Corporation Limited 6.48%
Housing Development Finance Corporation Ltd. 5.32%
Rural Electrification Corporation Limited 5.01%
Larsen & Toubro Limited 4.50%
Reliance Ports & Terminals Ltd. 4.08%
Raymond Ltd. 3.91%
Hindalco Industries Ltd. 3.82%
Reliance Industries Ltd 2.69%
TATA Sons 2.29%
MM & Others
To aim for stable returns over medium to long term by judicious mix of investments in Government securities and high
quality corporate debt of varying maturities and also in money market instruments.
Asset Mix
ParticularsInvestment Pattern
Actual
INDIVIDUAL PENSION FUND APEX BOND -JULY 2013
Benchmark :
CRISIL Composite Bond Index ‐ 90%
CRISIL Liquid Fund Index ‐ 10%
DEBT
Debt91.95%
MM & Others8.05%
Asset Allocation( % to AUM)
AA+AA‐
Debt Rating Profile (% of Debt)TATA Sons 2.29%
MRF Ltd. 1.97%
Mahindra & Mahindra Financial Services Limited 1.93%
Chennai Petroleum Corporation Limited 1.89%
National Thermal Power Corporation Limited 1.88%
Reliance Gas Transportation Infrastructure Limited 1.57%
LIC Housing Finance Ltd 1.56%
Dr. Reddy's Laboratories Ltd. 1.54%
Tech Mahindra Limited 1.16%
Indian Railway Financial Corporation Ltd. 1.16%
Others (with < 1% exposure) 0.76%
MM & Others 8.05%
Total 100.00%
`
12.65%
11.48%
8.52%
4.58%
4.50%
4.20%
4.08%
3.91%
1 97%
Infrastructure finance services
Financial & Insurance
Electricity, Gas, Steam and Aircondition Supply ‐ Infra
Manufacture of coke and refined petroleum products
Civil engineering
Manufacture of Basic Metals
Warehousing and support activities for transportation ‐ Infra
Manufacture of textiles
Manufacture of rubber and plastics
Top 10 Industry Exposure ( % to AUM)
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
13.09%
20.22%
0.51%
37.36%
28.82%
Debt Maturity Profile ( % of Debt)
Debt91.95%
MM & Others8.05%
Asset Allocation( % to AUM)
Gilt34.59%
AAA51.09%
AA+10.07%
AA‐4.25%
Debt Rating Profile (% of Debt)
10.3
10.8
11.3
11.8
12.3
12.8
13.3
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
Pen Apex Bond Benchmark
12.65%
11.48%
8.52%
4.58%
4.50%
4.20%
4.08%
3.91%
1.97%
1.57%
Infrastructure finance services
Financial & Insurance
Electricity, Gas, Steam and Aircondition Supply ‐ Infra
Manufacture of coke and refined petroleum products
Civil engineering
Manufacture of Basic Metals
Warehousing and support activities for transportation ‐ Infra
Manufacture of textiles
Manufacture of rubber and plastics products
Land transport and transport via pipelines ‐ Infra
Top 10 Industry Exposure ( % to AUM)
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
13.09%
20.22%
0.51%
37.36%
28.82%
Debt Maturity Profile ( % of Debt)
Debt91.95%
MM & Others8.05%
Asset Allocation( % to AUM)
Gilt34.59%
AAA51.09%
AA+10.07%
AA‐4.25%
Debt Rating Profile (% of Debt)
9.8
10.3
10.8
11.3
11.8
12.3
12.8
13.3
Jan‐10
Mar‐10
Apr‐10
Jun‐10
Aug‐10
Sep‐10
Nov‐10
Dec‐10
Feb‐11
Apr‐11
May‐11
Jul‐11
Aug‐11
Oct‐11
Dec‐11
Jan‐12
Mar‐12
May‐12
Jun‐12
Aug‐12
Sep‐12
Nov‐12
Jan‐13
Feb‐13
Apr‐13
May‐13
Jul‐13
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
Pen Apex Bond Benchmark
Investment Objective :
Date of Inception : SFIN No.
April 29, 2011 ULIF 017 29/04/11 SUD‐LX‐BL1 142
Products : AUM :
For Dhan Suraksha Express Rs. 38.27 Cr
Portfolio % to AUM
`
Equity 26.78% Minimum Maximum
Reliance Industries Ltd 2.51% 0% 60% 26.78%
HCL Technologies Ltd 1.80% 40% 100% 73.22%
Oil & Natural Gas Corpn Ltd 1.54%
HDFC Bank Ltd 1.43%
Larsen & Toubro Limited 1.29%Bajaj Auto Limited 1.26%Infosys Ltd 1.22%
Others (with < 1% exposure) 15.72%
Debt 57.39%
Gilts & SDL 13.82%
GOI 11.23%
State Government ‐ Tamil Nadu 2.59%
Corporate Bonds 43.58%
Power Finance Corporation Limited 5.93%
Reliance Gas Transportation Infrastructure Limited 5.43%
The Great Eastern Shipping Co. Limited 5.24%
Power Grid Corporation of India Limited 4 38%
Equity
Debt, MM & Others
EXPRESS BALANCED FUND - JULY, 2013
To optimize returns over medium to long term, by aiming balance between risk and return, through investments in
high quality equity and debt instruments.
Asset Mix
Benchmark :
CNX Nifty Index ‐ 30%
CRISIL Composite Bond Index ‐ 70%
ParticularsInvestment Pattern
Actual
Debt57.39%
Equity26.78%
MM & Others15.83%
Asset Allocation( % to AUM)
GiltAA+
12 24%
AA‐1.14%
Debt Rating Profile (% of Debt)
Power Grid Corporation of India Limited 4.38%
Reliance Ports & Terminals Ltd. 3.56%
The Indian Hotels Company Limited 2.58%
Infrastructure Leasing & Financial Services Ltd. 2.14%
National Bank For Agriculture And Rural Development 2.07%
Larsen & Toubro Limited 1.52%MRF Ltd. 1.32%L & T Finance Ltd. 1.31%Tata Capital Financial Services Ltd 1.29%LIC Housing Finance Ltd 1.29%National Thermal Power Corporation Limited 1.27%
Steel Authority of India Ltd. 1.26%
Housing Development Finance Corporation Ltd. 1.02%
Others (with < 1% exposure) 1.96%
MM & Others 15.83%
Total 100.00%
`
10.93%
10.88%
6.60%
5.43%
5.24%
4.42%
3.56%
2.82%
Financial & Insurance
Infrastructure finance services
Electricity, Gas, Steam and Aircondition Supply - Infra
Land transport and transport via pipelines - Infra
Water transport
Computer programming, consultancy and
related activities
Warehousing and support activities for transportation - Infra
Civil engineering
Top 10 Industry Exposure ( % to AUM)
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
4.55%
10.14% 7.60%
52.28%
25.43%
Debt Maturity Profile ( % of Debt)
Debt57.39%
Equity26.78%
MM & Others15.83%
Asset Allocation( % to AUM)
Gilt24.08%
AAA62.54%
AA+12.24%
AA‐1.14%
Debt Rating Profile (% of Debt)
10.1
10.6
11.1
11.6
12.1
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
Exp Bal Benchmark
10.93%
10.88%
6.60%
5.43%
5.24%
4.42%
3.56%
2.82%
2.68%
2.51%
Financial & Insurance
Infrastructure finance services
Electricity, Gas, Steam and Aircondition Supply - Infra
Land transport and transport via pipelines - Infra
Water transport
Computer programming, consultancy and
related activities
Warehousing and support activities for transportation - Infra
Civil engineering
Accommodation
Manufacture of coke and refined petroleum products
Top 10 Industry Exposure ( % to AUM)
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
4.55%
10.14% 7.60%
52.28%
25.43%
Debt Maturity Profile ( % of Debt)
Debt57.39%
Equity26.78%
MM & Others15.83%
Asset Allocation( % to AUM)
Gilt24.08%
AAA62.54%
AA+12.24%
AA‐1.14%
Debt Rating Profile (% of Debt)
9.6
10.1
10.6
11.1
11.6
12.1
Apr‐11
May‐11
Jun‐11
Jul‐11
Aug‐11
Sep‐11
Oct‐11
Nov‐11
Dec‐11
Dec‐11
Jan‐12
Feb‐12
Mar‐12
Apr‐12
May‐12
Jun‐12
Jul‐12
Jul‐12
Aug‐12
Sep‐12
Oct‐12
Nov‐12
Dec‐12
Jan‐13
Feb‐13
Mar‐13
Mar‐13
Apr‐13
May‐13
Jun‐13
Jul‐13
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
Exp Bal Benchmark
Investment Objective :
Date of Inception : SFIN No.
June 03, 2011 ULIF 018 03/06/11 SUD‐UL‐DP1 142
Products : AUM :
For all Unit Linked products Rs. 138.39 Cr
Portfolio % to AUM
`
Debt & MM 100.00% Minimum Maximum
Gilts & SDL 66.60%
MM & Others 33.40%
DISCONTINUED POLICIES FUND - JULY, 2013
To ensure safety and liquidity of funds and to generate the returns over and above defined regulatory minimum
rate of return. (Presently it is saving bank interest rate of SBI)
Benchmark :
Asset Mix
CRISIL Liquid Fund Index ‐ 100%
ParticularsInvestment Pattern
Actual
Debt & MM 100.00%0% 100%
Debt & MM100.00%
Asset Allocation( % to AUM)
10.18
10.28
10.38
10.48
10.58
10.68
10.78
10.88
10.98
11.08
11.18
11.28
11.38
11.48
11.58
NAV/U
NIT (Rs)
NAV Performance (Since Nov 01, 2011)
Discontinued Fund Benchmark
Debt & MM100.00%
Asset Allocation( % to AUM)
9.98
10.08
10.18
10.28
10.38
10.48
10.58
10.68
10.78
10.88
10.98
11.08
11.18
11.28
11.38
11.48
11.58
Nov‐11
Dec‐11
Jan‐12
Feb‐12
Mar‐12
Apr‐12
May‐12
Jun‐12
Jul‐12
Aug‐12
Sep‐12
Oct‐12
Nov‐12
Dec‐12
Jan‐13
Feb‐13
Mar‐13
Apr‐13
May‐13
Jun‐13
Jul‐13
NAV/U
NIT (Rs)
NAV Performance (Since Nov 01, 2011)
Discontinued Fund Benchmark
Risk Factors
• This document has been prepared for the purpose of providing general information
only.
• Unit Linked Life Insurance products are different from the traditional insurance
products and are subject to various risk factors.
• Customers should take into account their personal investment objectives, risk
appetite and other aspects of their financial situation before making an investment
decision.
• Unit linked policies are subject to market risks associated with capital markets and
NAVs of units may go up or down based on the performance of fund and factors
influencing the capital market and the customers have to consider this aspect while
taking any decision.
• SUD Life shall not be responsible for any losses caused or any claims that arise due to
investments made based on this document.
• Customers are advised to note that the details are based on past performance and
are not indicative of its future prospects or returns.
• All efforts have been made to ensure accuracy of the contents of this document,
however, SUD Life shall not be held responsible for any errors or omissions.
Disclaimers related to Benchmark Indices
CRISIL Composite Bond Index and CRISIL Liquid Fund Index
CRISIL has taken due care and caution in compilation of data. Information has been obtained by CRISIL
from sources it considers reliable. However, CRISIL does not guarantee the accuracy, adequacy or
completeness of the information and is not responsible for any errors or omissions or for the results
obtained from the use of such information. CRISIL is not responsible for any errors in data
reproduction. CRISIL especially states that it has no financial liability whatsoever to the subscribers/
users/ transmitters/ distributors of this bulletin.
CNX NIFTY
“The Individual Life, Pension Life, Individual Apex Life and Pension Apex Life funds related to Equity, Balanced and Growth schemes; and also Individual Life Express Balanced Fund, offered by SUD Life Insurance Co. Ltd are not sponsored, endorsed, sold or promoted by India Index Services & Products Limited ("IISL").
Neither IISL nor CNX Nifty and its affiliates makes any representation or warranty, express or implied (including warranties of merchantability or fitness for particular purpose or use) to the owners of aforesaid schemes or any member of the public regarding the advisability of investing in securities generally or in aforesaid schemes linked to CNX Nifty Index or particularly in the ability of the said Index to track general stock market performance in India”.