InveSTAR Fact Sheet March 2014.pdf · Up move was backed by increased foreign fund flows based on...

Fact Sheet

March – 2014

InveSTAR

MONTHLY REPORT – MARCH’2014

From the Desk of Chief Investment Officer…

With election code of conduct coming in force, no major policy announcements were made except for in-principle approval for 2 new Banking licenses. While retail as well as wholesale inflation has come down in the recent past, RBI in its Policy Review on 1st April kept Policy interest rates unchanged, foreseeing risks of spike in inflation. RBI also indicated to keep policy rate at current level, till inflation cools off further. On the back of strong foreign currency flows in the Equity/Debt markets, Rupee is strengthening against US Dollar. Further Strengthening of Rupee is seen to be detrimental for export oriented sectors. While India’s external sector is strengthening, growth in Industrial production continues to be weak. On the back of emerging strength in the economy, US Federal Reserve is indicating a shift from loose monetary policy, which may have implications on emerging markets (EMs) currencies. However Indian currency is exhibiting resilience. GDP growth rate of Euro Zone continues to be weak and in its last meeting, ECB kept the policy rates unchanged. Data from China is also suggesting slowdown in growth. Expectations of monetary easing in Euro Zone as well as in China are building-up to promote growth.

Outlook for Equity Markets

In the month of March, Indian equity market moved up sharply, with Nifty gaining 6.8%. Up move was backed by increased foreign fund flows based on perception of relative attractiveness of India vs other Emerging Markets and expectation of formation of a stable and pro-growth Government at centre, after general elections. Increase in risk appetite is visible, with sector rotation tilting towards high Beta sectors (Reality, Metals, Bankex, Capital Goods and Power) while defensive (FMCG, IT and Healthcare) sectors underperformed. With the recent sharp upmove and Nifty making successive new all time high, market sentiment turned bullish. Going forward, direction of the market will largely depend on FII flows, outcome of general elections and the Quarterly results. Outlook for Debt Markets

As at March end, 10 year Benchmark G-sec. yield closed at 8.80% against 8.86% as at February end. After announcement of Monetary Policy on 1st April, Bond yields (interest rates) increased sharply due to hawkish stance of RBI.

Based on the guidance of RBI, Bond yields are expected to remain at current levels till CPI inflation falls significantly.

Performance Summary as on March 31, 2014

Scheme Name

SFIN

NAV BM NAV BM NAV BM NAV BM NAV BM

Apex Equity Fund

ULIF 009 20/01/10 SUD-LA-EQ1 142

Equity Fund

ULIF 002 25/02/09 SUD-LI-EQ1 142

Individual Pension Fund - Apex Equity

ULIF 013 20/01/10 SUD-PA-EQ1 142

Individual Pension Fund - Equity

ULIF 005 31/03/09 SUD-PI-EQ1 142

Apex Growth Fund

ULIF 010 20/01/10 SUD-LA-GR1 142

Growth Fund

ULIF 003 25/02/09 SUD-LI-GR1 142

Individual Pension Fund - Apex Growth

ULIF 014 20/01/10 SUD-PA-GR1 142

Individual Pension Fund - Growth

ULIF 006 31/03/09 SUD-PI-GR1 142

Apex Balanced Fund

ULIF 011 20/01/10 SUD-LA-BL1 142

Balanced Fund

ULIF 001 18/02/09 SUD-LI-BL1 142

Individual Pension Fund - Apex Balanced

ULIF 015 20/01/10 SUD-PA-BL1 142

Individual Pension Fund - Balanced

ULIF 007 31/03/09 SUD-PI-BL1 142

Express Balanced Fund

ULIF 017 29/04/11 SUD-LX-BL1 142

Apex Bond Fund

ULIF 012 20/01/10 SUD-LA-BN1 142

Bond Fund

ULIF 004 25/02/09 SUD-LI-BN1 142

Individual Pension Fund - Apex Bond

ULIF 016 20/01/10 SUD-PA-BN1 142

Individual Pension Fund - Bond

ULIF 008 31/03/09 SUD-PI-BN1 142

Discontinued Policies Fund

ULIF 018 03/06/11 SUD-UL-DP1 142

Bluechip Equity Fund

ULIF 019 11/12/13 SUD-LI-EQ2 142

Growth Plus Fund

ULIF 023 11/12/13 SUD-LI-GR2 142

Balanced Plus Fund

ULIF 024 11/12/13 SUD-LI-BL2 142

Income Fund

ULIF 020 11/12/13 SUD-LI-BN2 142

Total AUM 2802.49

NA 5.14% 4.00%

22 30/01/2014 13.43 10.18 NA NA NA NA NA NA NA NA 1.79% 1.69%

21 30/01/2014 16.35 10.51 NA NA NA NA

NA NA NANA NA NA

NA NA NA

NA 7.42% 8.34%

20 30/01/2014 12.00 10.67 NA NA NA NA NA NA NA NA 6.69% 7.15%

19 30/01/2014 10.43 10.74 NA

17

18

7.25%

NA

NA

7.25%

5.27%

5.76%

6.29%

7.25%

1

2

3

4

5

6

7

8

9

10

11

12

13

14

15

16

6.64%

6.46%

6.58%

6.71%

6.64%

6.95%

4.86%

8.58%

3.85%

20/01/2010 100.23 13.41

20/01/2010 112.47 13.31

20/01/2010 161.95 13.18

8.19%

Inception date

AUM (Rs. Cr)

NAV (Rs.)

8.59%

15.67%

13.32%

5.06%

15.67%

13.32%

8.59%

5.06%

15.67%

5.06%

15.67%

13.32%

10.95%

5.06%

15.53%

6.34%

16.44%

14.37%

9.98%

6.43%

6.46%

6.58%

6.71%

2 Year (A) 3 Year Since Inception (A)

10.32%

17.99%5.64% 18.72%

7.24%

7.06%

5.27%

5.76%

7.23%

7.08%6.11%

12.27%

6.70%

5.27%

7.41%

12.27%

11.02%

7.03%

6 Month

8.58%

17.27%

14.05%

17.27%

14.05%

17.04% 21.57% 14.85%

13.14% 18.14% 13.42%

17.27%

14.05%

4.86%

1 Year

03/06/2011 204.24 11.94 4.31% 6.50% 7.47%

29/04/2011 52.32 12.42 8.37%

20/01/2010 50.88 13.37 11.72%

20/01/2010 20.73 13.03 4.93%

NA 7.62%7.79%4.64% 8.01%

11.79% 7.74% 7.17%

7.19% 7.04% 6.52%

9.24% 9.46% NA 7.68%

11.34%

4.86%

8.58%8.59%

9.92%

6.99%

8.72%

6.29%13.87%

4.87% 4.06% 7.49% 6.80%

11.34%

4.86%

9.92%

6.99% 7.30%

8.72%

7.08%

20/01/2010 402.50 13.40 10.86% 12.99%10.95% 10.63% 6.84%

6.66% 13.33%

17.00%

12.27%

10.20%

31/03/2009 10.77 13.82 4.67% 5.66% 7.83% 7.57% 6.68%

8.72%

6.99%

6.70%7.09%

15.64%

31/03/2009 68.54 18.70 13.25%

20/01/2010 574.55

12.27%

11.02%

5.27%

5.76%

31/03/2009 66.15 20.69 15.71%

13.32%

22.19% 14.20% 6.71%

11.02% 5.76%

14.05% 11.02%13.32 13.53% 16.61% 11.88% 6.47%

31/03/2009 41.10 16.26 8.55% 10.24% 9.51%

20/01/2010 561.65 13.33 17.08% 20.78% 13.48%

16.59% 12.29%

17.27%

20.09% 13.01%

25/02/2009 20.23 13.85 4.63% 5.31% 7.83% 7.51% 6.69%6.99% 7.25%

Absolute CAGR

18/02/2009 51.94 17.12 8.35% 10.13%

12.24% 6.85%

9.30% 7.05% 11.07%

25/02/2009 97.57 24.08 15.38%

25/02/2009 152.46 22.39 13.38% 17.32%

InveSTAR

142L003V01 142L004V01 142L008V01 142L028V01 142L010V01 142L018V01 142L019V01 142L020V01 142L024V01 142L025V01 142L026V01 142L021V01 142L041V01 142L042V01Fund Name (SFIN)

Apex Equity Fund

ULIF 009 20/01/10 SUD-LA-EQ1 142

Equity Fund

ULIF 002 25/02/09 SUD-LI-EQ1 142

Individual Pension Fund - Apex Equity

ULIF 013 20/01/10 SUD-PA-EQ1 142

Individual Pension Fund - Equity

ULIF 005 31/03/09 SUD-PI-EQ1 142

Apex Growth Fund

ULIF 010 20/01/10 SUD-LA-GR1 142

Growth Fund

ULIF 003 25/02/09 SUD-LI-GR1 142

Individual Pension Fund - Apex Growth

ULIF 014 20/01/10 SUD-PA-GR1 142

Individual Pension Fund - Growth

ULIF 006 31/03/09 SUD-PI-GR1 142

Apex Balanced Fund

ULIF 011 20/01/10 SUD-LA-BL1 142

Balanced Fund

ULIF 001 18/02/09 SUD-LI-BL1 142

Individual Pension Fund - Apex Balanced

ULIF 015 20/01/10 SUD-PA-BL1 142

Individual Pension Fund - Balanced

ULIF 007 31/03/09 SUD-PI-BL1 142

Express Balanced Fund

ULIF 017 29/04/11 SUD-LX-BL1 142

Apex Bond Fund

ULIF 012 20/01/10 SUD-LA-BN1 142

Bond Fund

ULIF 004 25/02/09 SUD-LI-BN1 142

Individual Pension Fund - Apex Bond

ULIF 016 20/01/10 SUD-PA-BN1 142

Individual Pension Fund - Bond

ULIF 008 31/03/09 SUD-PI-BN1 142

Discontinued Policies Fund

ULIF 018 03/06/11 SUD-UL-DP1 142

Bluechip Equity Fund

ULIF 019 11/12/13 SUD-LI-EQ2 142

Growth Plus Fund

ULIF 023 11/12/13 SUD-LI-GR2 142

Balance Plus Fund

ULIF 024 11/12/13 SUD-LI-BL2 142

Income Fund

ULIF 020 11/12/13 SUD-LI-BN2 142

Funds available under ULIP Products

P P P

1

2

3

4

17

18

Product Name (UIN)Dhan Suraksha

Dhan Suraksha Premium

Prabhat Tara

11

12

13

14

15

16

5

6

7

8

9

10

P

P

P

P

P

P

New Dhruv Tara Dhan Suraksha

ExpressDhruv Tara

ProductNew Dhan Suraksha

New Dhan Suraksha Premium

Dhan Suraksha 3Dhan Suraksha

Premium 3Prabhat Tara 3New Prabhat Tara

P

P

P P

P

P

P P

P

P P

P

P

P

P

P

P P

P

P

PP

P P P

P P P P P

P P P

P

P P P P P

P P

20

19

22

21

Dhan Suraksha Plus

Wealth Builder Plan

P P

P P

P P

P P

P P

Investment Objective :

Date of Inception : SFIN No.

January 20, 2010 ULIF 009 20/01/10 SUD-LA-EQ1 142

Products: AUM :

Rs. 561.65 Cr

Portfolio % to AUM

`

Equity 94.04% Minimum Maximum

Larsen & Toubro Limited 6.99% 80% 100% 94.04%

Reliance Industries Ltd 6.06% 0% 20% 5.96%

ICICI Bank Ltd 4.58%Infosys Technologies Ltd. 3.86%HDFC Bank Ltd 3.82%Bharti Airtel Limited 3.60%ITC Ltd. 3.37%Axis Bank Limited 3.28%Oil & Natural Gas Corpn Ltd 3.03%Tata Motors Limited 2.98%Mahindra & Mahindra Ltd. 2.92%State Bank of India 2.87%Tech Mahindra Limited 2.73%Housing Development Finance Corporation Ltd. 2.64%Tata Consultancy Services Limited 2.46%HCL Technologies Ltd 2.08%Tata Global Beverages Ltd. 1.99%Coal India Limited 1.91%Hindustan Petroleum Corporation Ltd. 1.84%Hindustan Unilever Limited 1.82%Hindalco Industries Ltd. 1.67%Sun Pharmaceuticals Industries Ltd 1.64%Sesa Sterlite Ltd. 1.56%IndusInd Bank Limited 1.51%Bajaj Auto Limited 1.49%Aditya Birla Nuvo Limited 1.49%Tata Steel Limited 1.44%Cairn India Limited 1.33%Hero Motocorp Ltd. 1.28%Colgate Palmolive (India) Ltd 1.25%Wipro Ltd 1.25%Cipla Ltd. 1.19%Infrastructure Development Finance Company Limited 1.14%Maruti Suzuki India Limited 1.13%Idea Cellular Limited 1.13%NMDC Limited 1.08%Power Grid Corporation of India Limited 1.05%Others (with < 1% exposure) 6.60%

MM & Others 5.96%

Total 100.00%

`

Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionApex Equity Fund 7.03% 5.21% 17.08% 20.78% 13.48% 6.11% 7.08%Benchmark 6.21% 5.96% 15.67% 17.27% 12.27% 5.27% 6.46%

Equity

MM & Others

APEX EQUITY FUND - MArch 2014

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.

Benchmark :

CNX Nifty Index - 90% CRISIL Liquid Fund Index - 10%

20.70%

12.38%

8.66%

7.89%

7.03%

6.99%

4.72%

4.65%

3.37%

3.11%

Financial service activities, except insurance and pension funding

Computer programming, consultancy and related activities

Infrastructure

Manufacture of coke and refined petroleum products

Manufacture of motor vehicles, trailers and semi-trailers

Civil engineering

Manufacture of pharmaceuticals,medicinal chemical and botanical products

Manufacture of chemicals and chemical products

Manufacture of tobacco products

Manufacture of Basic Metals

Top 10 Industry Exposure ( % to AUM)

Equity94.04%

MM & Others5.96%

Asset Allocation (% to AUM)

8.5

9.0

9.5

10.0

10.5

11.0

11.5

12.0

12.5

13.0

13.5

14.0

Jan-

10M

ar-1

0A

pr-1

0M

ay-1

0Ju

n-10

Aug

-10

Sep-

10O

ct-1

0D

ec-1

0Ja

n-11

Feb-

11A

pr-1

1M

ay-1

1Ju

n-11

Aug

-11

Sep-

11O

ct-1

1D

ec-1

1Ja

n-12

Feb-

12M

ar-1

2M

ay-1

2Ju

n-12

Jul-1

2Se

p-12

Oct

-12

Nov

-12

Jan-

13Fe

b-13

Mar

-13

May

-13

Jun-

13Ju

l-13

Sep-

13O

ct-1

3N

ov-1

3D

ec-1

3Fe

b-14

Mar

-14

NAV

/UN

IT (R

s)

NAV Performance (Since Inception)

Apex Equity Benchmark

Investment Objective:


February 25, 2009 ULIF 002 25/02/09 SUD-LI-EQ1 142

Products : AUM:

Rs. 97.57 Cr

Portfolio % to AUM

`

Equity 100.00% Minimum MaximumLarsen & Toubro Limited 7.83% 80% 100% 100%#


ICICI Bank Ltd 6.99%ITC Ltd. 5.44%HDFC Bank Ltd 5.35%Infosys Technologies Ltd. 5.27%Bharti Airtel Limited 4.53%Tata Consultancy Services Limited 3.69%State Bank of India 3.59%Tata Motors Limited 3.46%Housing Development Finance Corporation Ltd. 3.34%Mahindra & Mahindra Ltd. 3.31%Oil & Natural Gas Corpn Ltd 3.05%Tech Mahindra Limited 2.92%Yes Bank Limited 2.55%Axis Bank Limited 2.35%Wipro Ltd 2.34%Grasim Industries Ltd. 1.88%Sun Pharmaceuticals Industries Ltd 1.80%Aditya Birla Nuvo Limited 1.69%Bajaj Auto Limited 1.69%Dr. Reddys Laboratories Ltd. 1.66%Sesa Sterlite Ltd. 1.64%Hindustan Unilever Limited 1.55%Lupin Limited 1.47%Tata Global Beverages Ltd. 1.32%Hindalco Industries Ltd. 1.23%Hero Motocorp Ltd. 1.21%Coal India Limited 1.17%Cipla Ltd. 1.10%Infrastructure Development Finance Company Limited 1.07%Tata Steel Limited 1.06%

Others (with < 1% exposure) 4.63%

MM & Others 0.00%

Total 100.00%

`

Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since Inception

Equity Fund 6.75% 5.10% 15.38% 20.09% 13.01% 5.64% 18.72%

Benchmark 6.21% 5.96% 15.67% 17.27% 12.27% 5.27% 17.99%

Note: # after adjustment for Net Current Assets

To tap growth opportunities for long term capital appreciation through investments primarily in equity and equity-related instruments.


Asset Mix

Particulars

Benchmark :


Equity

MM & Others

EQUITY FUND - March 2014

For Dhan Suraksha, Dhan Suraksha Premium, Prabhat Tara.

22.01%

14.90%

9.42%

7.83%

7.46%

7.34%

6.03%

5.44%

3.73%

3.64%




Civil engineering


Infrastructure



Extraction of crude petroleum and natural gas


Top 10 Industry Exposure (% to AUM)

Equity100.00%


9

11

13

15

17

19

21

23

Feb-

09A

pr-0

9Ju

n-09

Jul-0

9Se

p-09

Nov

-09

Dec

-09

Feb-

10A

pr-1

0M

ay-1

0Ju

l-10

Aug

-10

Oct

-10

Dec

-10

Jan-

11M

ar-1

1M

ay-1

1Ju

n-11

Aug

-11

Oct

-11

Nov

-11

Jan-

12M

ar-1

2A

pr-1

2Ju

n-12

Jul-1

2Se

p-12

Nov

-12

Dec

-12

Feb-

13A

pr-1

3M

ay-1

3Ju

l-13

Sep-

13O

ct-1

3D

ec-1

3Ja

n-14

Mar

-14

NAV

/UN

IT (R

s)

NAV Performance (Since Inception)Equity Fund Benchmark



January 20, 2010 ULIF 013 20/01/10 SUD-PA-EQ1 142

Products : AUM :

Rs. 100.23 Cr

Portfolio % to AUM`

Equity 95.50% Minimum MaximumLarsen & Toubro Limited 8.28% 80% 100% 95.50%


Infosys Technologies Ltd. 5.55%Housing Development Finance Corporation Ltd. 5.15%HDFC Bank Ltd 5.04%State Bank of India 4.62%ICICI Bank Ltd 4.09%Tata Motors Limited 3.72%Oil & Natural Gas Corpn Ltd 3.66%Bharti Airtel Limited 3.55%HCL Technologies Ltd 3.00%ITC Ltd. 2.94%Mahindra & Mahindra Ltd. 2.93%Tata Consultancy Services Limited 2.83%Hindustan Unilever Limited 2.66%Axis Bank Limited 2.38%IndusInd Bank Limited 2.31%Tata Steel Limited 2.25%Sesa Sterlite Ltd. 2.08%Hindustan Petroleum Corporation Ltd. 1.95%Grasim Industries Ltd. 1.82%Aditya Birla Nuvo Limited 1.79%Sun Pharmaceuticals Industries Ltd 1.68%Bajaj Auto Limited 1.57%Cipla Ltd. 1.52%Dr. Reddys Laboratories Ltd. 1.36%Colgate Palmolive (India) Ltd 1.31%Hero Motocorp Ltd. 1.30%Maruti Suzuki India Limited 1.22%Wipro Ltd 1.08%Others (with < 1% exposure) 3.93%

MM & Others 4.50%

Total 100.00%

`

Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionIndividual Pension Fund - Apex Equity 6.66% 5.51% 17.04% 21.57% 14.85% 7.03% 7.24%Benchmark 6.21% 5.96% 15.67% 17.27% 12.27% 5.27% 6.46%

INDIvIDUal PENsIoN FUND aPEX EQUITY - March 2014

Equity

For New Dhruv Tara Products

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

Benchmark :


18.44%

13.39%

9.88%

8.28%

7.87%

5.79%

5.15%

4.91%

4.56%

3.66%




Civil engineering



Financial & Insurance Activities

Infrastructure

Manufacture of pharmaceuticals,medicinal chemical and

botanical products



Equity95.50%

MM & Others4.50%


8.5

9.0

9.5

10.0

10.5

11.0

11.5

12.0

12.5

13.0

Jan-

10M

ar-1

0A

pr-1

0M

ay-1

0Ju

n-10

Aug

-10

Sep-

10O

ct-1

0D

ec-1

0Ja

n-11

Feb-

11A

pr-1

1M

ay-1

1Ju

n-11

Aug

-11

Sep-

11O

ct-1

1D

ec-1

1Ja

n-12

Feb-

12M

ar-1

2M

ay-1

2Ju

n-12

Jul-1

2Se

p-12

Oct

-12

Nov

-12

Jan-

13Fe

b-13

Mar

-13

May

-13

Jun-

13Ju

l-13

Sep-

13O

ct-1

3N

ov-1

3D

ec-1

3Fe

b-14

Mar

-14

NAV

/UN

IT (R

s)


Pen Apex Equity Benchmark



March 31, 2009 ULIF 005 31/03/09 SUD-PI-EQ1 142

Products : AUM :

Rs. 66.15 Cr

Portfolio % to AUM`



ICICI Bank Ltd 6.04%Housing Development Finance Corporation Ltd. 5.61%ITC Ltd. 4.80%Infosys Technologies Ltd. 4.70%HDFC Bank Ltd 4.67%Bharti Airtel Limited 4.53%Tata Consultancy Services Limited 3.52%State Bank of India 3.37%Oil & Natural Gas Corpn Ltd 3.13%Mahindra & Mahindra Ltd. 3.06%HCL Technologies Ltd 2.93%Tata Motors Limited 2.93%Axis Bank Limited 2.41%Sun Pharmaceuticals Industries Ltd 2.40%Bajaj Auto Limited 2.10%Sesa Sterlite Ltd. 1.77%Grasim Industries Ltd. 1.73%Wipro Ltd 1.64%Tech Mahindra Limited 1.63%Aditya Birla Nuvo Limited 1.62%Lupin Limited 1.56%Yes Bank Limited 1.31%Dr. Reddys Laboratories Ltd. 1.26%Hero Motocorp Ltd. 1.23%Cipla Ltd. 1.16%Tata Steel Limited 1.10%Power Grid Corporation of India Limited 1.02%Hindustan Unilever Limited 1.01%Others (with < 1% exposure) 5.47%

MM & Others 4.56%

Total 100.00%

`

Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionIndividual Pension Fund - Equity 6.12% 5.19% 15.71% 22.19% 14.20% 6.71% 15.64%Benchmark 6.21% 5.96% 15.67% 17.27% 12.27% 5.27% 16.44%

MM & Others

INDIvIDUal PENsIoN FUND EQUITY - March 2014

Equity

For Dhruv Tara Products

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


Actual

Benchmark :


18.42%

14.42%

8.98%

7.91%

6.59%

6.45%

6.37%

5.61%

4.80%

3.49%




Civil engineering


Infrastructure






Equity95.44%

MM & Others4.56%


9.5

10.5

11.5

12.5

13.5

14.5

15.5

16.5

17.5

18.5

19.5

20.5

21.5

22.5

Mar

-…M

ay-…

Jul-0

9A

ug-0

9O

ct-0

9D

ec-0

9Ja

n-10

Mar

-…M

ay-…

Jun-

10A

ug-1

0O

ct-1

0N

ov-1

0Ja

n-11

Mar

-…A

pr-1

1Ju

n-11

Jul-1

1Se

p-11

Nov

-11

Dec

-11

Feb-

12A

pr-1

2M

ay-…

Jul-1

2Se

p-12

Oct

-12

Dec

-12

Jan-

13M

ar-…

May

-…Ju

n-13

Aug

-13

Oct

-13

Nov

-13

Jan-

14M

ar-…

NAV

/UN

IT (R

s)


Pen Equity Benchmark



January 29, 2014 ULIF 019 11/12/13 SUD-LI-EQ2 142

Products : AUM :

Rs. 10.43 Cr

Portfolio % to AUM`

Equity 70.40% Minimum MaximumITC Ltd. 5.07% 70% 100% 70.40%

Infosys Technologies Ltd. 4.98% 0% 30% 29.60%

State Bank of India 4.60%Oil & Natural Gas Corpn Ltd 3.67%Hero Motocorp Ltd. 3.27%Reliance Industries Ltd 3.19%ICICI Bank Ltd 3.01%Cipla Ltd. 2.74%Bharti Airtel Limited 2.55%Coal India Limited 2.49%Tata Motors Limited 2.48%Housing Development Finance Corporation Ltd. 2.46%Maruti Suzuki India Limited 2.46%Lupin Limited 2.42%Sesa Sterlite Ltd. 2.35%Infrastructure Development Finance Company Limited 2.34%Wipro Ltd 2.32%Power Finance Corporation Limited 2.32%Hindustan Unilever Limited 2.31%Aditya Birla Nuvo Limited 2.09%Power Grid Corporation of India Limited 2.07%Tech Mahindra Limited 2.07%Tata Steel Limited 1.81%Grasim Industries Ltd. 1.80%Axis Bank Limited 1.34%Bajaj Auto Limited 1.27%Others (with < 1% exposure) 0.91%

MM & Others 29.60%

Total 100.00%

`

Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionIndividual Blue Chip Equity 7.18% - - - - - 7.42%Benchmark 5.92% - - - - - 8.34%

For Dhan Suraksha Plus & Wealth Builder Plan

IndIvIdual BluE CHIP EQuITY - MarCH 2014

The fund seeks to achieve long term capital appreciation by investing predominantly in equity and equity related securities.

Benchmark :


MM & Others

Asset Mix


Actual

Equity

11.75%

9.37%

9.29%

5.15%

5.07%

4.94%

4.54%

4.11%

3.67%

3.19%



Infrastructure




Manufacture of other transport equipment





Equity70.40%

MM & Others29.60%


9.2000

9.4000

9.6000

9.8000

10.0000

10.2000

10.4000

10.6000

10.8000

11.0000

Jan-14 Feb-14 Feb-14 Feb-14 Feb-14 Mar-14 Mar-14 Mar-14 Mar-14

NAV

/UN

IT (R

s)

NAV Performance (Since Inception)Bluechip Equity Benchmark



January 20, 2010 ULIF 010 20/01/10 SUD-LA-GR1 142

Products : AUM :

Rs. 574.55 Cr

Portfolio % to AUM

`



ICICI Bank Ltd 3.87%Tech Mahindra Limited 3.00%Bharti Airtel Limited 2.92%Axis Bank Limited 2.90%Infosys Technologies Ltd. 2.88%Tata Consultancy Services Limited 2.79%HDFC Bank Ltd 2.54%Oil & Natural Gas Corpn Ltd 2.52%Mahindra & Mahindra Ltd. 2.43%Tata Global Beverages Ltd. 2.03%ITC Ltd. 1.89%State Bank of India 1.88%HCL Technologies Ltd 1.77%Housing Development Finance Corporation Ltd. 1.71%Sun Pharmaceuticals Industries Ltd 1.59%Tata Motors Limited 1.53%IndusInd Bank Limited 1.51%Aditya Birla Nuvo Limited 1.47%Tata Steel Limited 1.43%Hindustan Petroleum Corporation Ltd. 1.41%Hindalco Industries Ltd. 1.25%Coal India Limited 1.18%Maruti Suzuki India Limited 1.16%Yes Bank Limited 1.14%Bajaj Auto Limited 1.10%Idea Cellular Limited 1.10%Power Grid Corporation of India Limited 1.09%NMDC Limited 1.09%Sesa Sterlite Ltd. 1.06%Wipro Ltd 1.04%Cipla Ltd. 1.01%Colgate Palmolive (India) Ltd 1.00%Others (with < 1% exposure) 6.38%

Debt 22.56%Gilts & SDL 5.32%

GOI 4.71%SDL (with < 1% exposure) 0.61%

Corporate Bonds 17.24%

POWER FINANCE CORPORATION LTD. 2.29%

POWER GRID CORPORATION OF INDIA LTD 2.15%

RURAL ELECTRIFICATION CORPORATION L 2.14%

LIC HOUSING FINANCE LTD 1.24%

RELIANCE CAPITAL LTD. 1.09%


MM & Others 4.94%

Total 100.00%

`

Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionApex Growth Fund 5.41% 4.03% 13.53% 16.61% 11.88% 6.47% 7.08%Benchmark 5.20% 5.24% 13.32% 14.05% 11.02% 5.76% 6.58%

Equity

Debt, MM & Others

aPEX GroWTh FUND - March 2014

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.


Asset Mix

Particulars


Benchmark :

CNX Nifty Index - 70%CRISIL Composite Bond Index - 30%

22.10%

11.71%

11.33%

7.39%

5.13%

4.80%

4.18%

3.58%

3.48%

2.52%



Infrastructure



Civil engineering





Top 10 Industry Exposure ( % to AUM)< 1 year 1-3 years 3-5 years 5-10 years > 10 years

3.31%

9.79%

15.29%

52.23%

19.38%

Debt Maturity Profile ( % of Debt)

Debt22.56%

Equity72.50%

MM & Others4.94%


9.0

9.5

10.0

10.5

11.0

11.5

12.0

12.5

13.0

Jan-10 May-13

NAV

/UN

IT (R

s)


Life Apex Growth Benchmark

Gilt23.59%

AAA60.65%

AA+14.19%

AA-1.57%

Debt Rating Profile (% of Debt)

Modified Duration - 3.9 yrs



February 25, 2009 ULIF 003 25/02/09 SUD-LI-GR1 142

Products : AUM:

Rs. 152.46 Cr

Portfolio % to AUM

`




Reliance Industries Ltd 4.20%ICICI Bank Ltd 4.08%Axis Bank Limited 3.57%Tata Consultancy Services Limited 3.45%Bharti Airtel Limited 3.13%ITC Ltd. 3.01%Tech Mahindra Limited 2.61%Mahindra & Mahindra Ltd. 2.56%HDFC Bank Ltd 2.30%Housing Development Finance Corporation Ltd. 2.23%Oil & Natural Gas Corpn Ltd 2.08%Sun Pharmaceuticals Industries Ltd 1.86%Tata Motors Limited 1.83%State Bank of India 1.77%Bajaj Auto Limited 1.73%Aditya Birla Nuvo Limited 1.58%HCL Technologies Ltd 1.34%Grasim Industries Ltd. 1.23%Coal India Limited 1.17%Hindustan Petroleum Corporation Ltd. 1.10%Yes Bank Limited 1.09%IndusInd Bank Limited 1.04%Tata Global Beverages Ltd. 1.01%Others (with < 1% exposure) 12.32%

Debt 23.33%

Gilts & SDL 7.11%

GOI 5.85%


POWER FINANCE CORPORATION LTD. 2.43%RELIANCE CAPITAL LTD. 2.42%STEEL AUTHORITY OF INDIA LTD. 2.04%TATA CAPITAL FINANCIAL SERVICES LTD 1.32%THE INDIAN HOTELS COMPANY LTD. 1.31%HDFC LTD. 1.16%INDIAN OIL CORPORATION LTD 0.82%Others (with < 1% exposure) 4.72%

MM & Others 3.78%

Total 100.00%

`

Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionGrowth Fund 4.99% 4.31% 13.38% 17.32% 12.24% 6.85% 17.00%Benchmark 5.20% 5.24% 13.32% 14.05% 11.02% 5.76% 15.53%

Equity

Debt, MM & Others



Asset Mix

Particulars

GroWTh FUND - March 2014

For Dhan Suraksha, Dhan Suraksha Premium, Prabhat Tara & Dhan Suraksha Express.

Benchmark :


20.52%

13.00%

8.44%

6.79%

6.38%

4.87%

4.58%

4.33%

3.01%

2.50%



Infrastructure


Civil engineering







< 1 year 1-3 years 3-5 years 5-10 years > 10 years

13.18%

20.25%

8.36%

37.34%

20.87%


Gilt30.49%

AAA53.54%

AA0.56%

AA+15.40%


9

10

11

12

13

14

15

16

17

18

19

20

21

22

Feb-

09A

pr-0

9Ju

n-09

Jul-0

9Se

p-09

Nov

-09

Dec

-09

Feb-

10A

pr-1

0M

ay-1

0Ju

l-10

Aug

-10

Oct

-10

Dec

-10

Jan-

11M

ar-1

1M

ay-1

1Ju

n-11

Aug

-11

Oct

-11

Nov

-11

Jan-

12M

ar-1

2A

pr-1

2Ju

n-12

Jul-1

2Se

p-12

Nov

-12

Dec

-12

Feb-

13A

pr-1

3M

ay-1

3Ju

l-13

Sep-

13O

ct-1

3D

ec-1

3Ja

n-14

Mar

-14

NAV

/UN

IT (R

s)

NAV Performance (Since Inception)Growth Fund Benchmark

Debt23.33%

Equity72.89%

MM & Others3.78%





January 20, 2010 ULIF 014 20/01/10 SUD-PA-GR1 142

Products : AUM :

Rs. 112.47 Cr

Portfolio % to AUM

`




Housing Development Finance Corporation Ltd. 4.67%Infosys Technologies Ltd. 4.42%HDFC Bank Ltd 4.38%Bharti Airtel Limited 3.87%Tata Consultancy Services Limited 3.78%Axis Bank Limited 3.71%ICICI Bank Ltd 3.13%ITC Ltd. 3.03%Mahindra & Mahindra Ltd. 2.87%Tech Mahindra Limited 2.17%State Bank of India 2.02%Oil & Natural Gas Corpn Ltd 1.92%Bajaj Auto Limited 1.87%Tata Motors Limited 1.85%HCL Technologies Ltd 1.83%Sun Pharmaceuticals Industries Ltd 1.58%Aditya Birla Nuvo Limited 1.54%Cipla Ltd. 1.52%Lupin Limited 1.45%Tata Steel Limited 1.21%Grasim Industries Ltd. 1.18%




Corporate Bonds 18.06%RELIANCE CAPITAL LTD. 4.60%POWER FINANCE CORPORATION LTD. 2.30%HDFC LTD. 2.20%LIC HOUSING FINANCE LTD 1.92%TATA SONS LTD. 1.14%LARSEN & TOUBRO LTD. 0.86%Others (with < 1% exposure) 5.05%

MM & Others 4.19%

Total 100.00%

`

Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionIndividual Pension Fund - Apex Growth 4.46% 3.92% 13.14% 18.14% 13.42% 7.41% 7.06%Benchmark 5.20% 5.24% 13.32% 14.05% 11.02% 5.76% 6.58%

INDIvIDUal PENsIoN FUND aPEX GroWTh - March 2014

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


Actual

Benchmark :


21.71%

12.64%

9.17%

6.85%

6.32%

5.42%

4.72%

4.67%

4.12%

3.31%



Infrastructure


Civil engineering




Housing Sector




13.16%

22.05%

4.07%

52.07%

8.65%


Debt22.23%

Equity73.59%

MM & Others4.19%


Gilt18.76%

AAA79.28%

AA+1.96%


9.0

9.5

10.0

10.5

11.0

11.5

12.0

12.5

13.0

Jan-

10M

ar-1

0A

pr-1

0M

ay-1

0Ju

n-10

Aug

-10

Sep-

10O

ct-1

0D

ec-1

0Ja

n-11

Feb-

11A

pr-1

1M

ay-1

1Ju

n-11

Aug

-11

Sep-

11O

ct-1

1D

ec-1

1Ja

n-12

Feb-

12M

ar-1

2M

ay-1

2Ju

n-12

Jul-1

2Se

p-12

Oct

-12

Nov

-12

Jan-

13Fe

b-13

Mar

-13

May

-13

Jun-

13Ju

l-13

Sep-

13O

ct-1

3N

ov-1

3D

ec-1

3Fe

b-14

Mar

-14

NAV

/UN

IT (R

s)


Pen Apex Growth Benchmark




March 31, 2009 ULIF 006 31/03/09 SUD-PI-GR1 142

Products : AUM :

Rs. 68.54 Cr

Portfolio % to AUM`

Equity 72.51% Minimum MaximumReliance Industries Ltd 7.01% 40% 100% 72.51%


ICICI Bank Ltd 4.54%HDFC Bank Ltd 3.90%Bharti Airtel Limited 3.85%Axis Bank Limited 3.35%Tata Consultancy Services Limited 3.27%Housing Development Finance Corporation Ltd. 3.17%HCL Technologies Ltd 3.16%Tata Steel Limited 3.05%Infosys Technologies Ltd. 2.85%State Bank of India 2.82%Bajaj Auto Limited 2.77%Mahindra & Mahindra Ltd. 2.30%Sun Pharmaceuticals Industries Ltd 2.17%Grasim Industries Ltd. 2.04%Aditya Birla Nuvo Limited 2.02%IndusInd Bank Limited 1.82%Colgate Palmolive (India) Ltd 1.71%Oil & Natural Gas Corpn Ltd 1.54%Dr. Reddys Laboratories Ltd. 1.45%Sesa Sterlite Ltd. 1.40%ITC Ltd. 1.36%Others (with < 1% exposure) 4.95%

Debt 24.79%Gilts & SDL 1.34%GOI 1.24%SDL (with < 1% exposure) 0.10%

Corporate Bonds 23.45%STEEL AUTHORITY OF INDIA LTD. 3.02%TECH MAHINDRA LTD. 2.63%THE GREAT EASTERN SHIPPING CO. LTD. 2.49%HDFC LTD. 1.87%INDIAN OIL CORPORATION LTD 1.83%IRFC LTD. 1.47%TATA COMMUNICATIONS LTD. 1.46%RURAL ELECTRIFICATION CORPORATION L 1.46%THE INDIAN HOTELS COMPANY LTD. 1.46%POWER FINANCE CORPORATION LTD. 1.31%POWER GRID CORPORATION OF INDIA LTD 1.29%RELIANCE CAPITAL LTD. 1.02%Others (with < 1% exposure) 2.16%

MM & Others 2.70%

Total 100.00%

`

Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionIndividual Pension Fund - Growth 5.40% 4.11% 13.25% 16.59% 12.29% 6.66% 13.33%Benchmark 5.20% 5.24% 13.32% 14.05% 11.02% 5.76% 14.37%

Equity

Debt, MM & Others


Actual

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

INDIvIDUal PENsIoN FUND GroWTh - March 2014


Benchmark :


19.31%

12.64%

9.26%

9.12%

6.37%

6.01%

4.63%

3.62%

3.43%

3.17%




Infrastructure


Civil engineering







30.55%

25.12%

8.74%

30.24%

5.35%


Gilt5.40%

AAA81.66%

AA1.18%

AA+11.75%


9.09.5

10.010.511.011.512.012.513.013.514.014.515.015.516.016.517.017.518.018.519.019.5

Mar

-09

May

-09

Jul-0

9A

ug-0

9O

ct-0

9D

ec-0

9Ja

n-10

Mar

-10

May

-10

Jun-

10A

ug-1

0O

ct-1

0N

ov-1

0Ja

n-11

Mar

-11

Apr

-11

Jun-

11Ju

l-11

Sep-

11N

ov-1

1D

ec-1

1Fe

b-12

Apr

-12

May

-12

Jul-1

2Se

p-12

Oct

-12

Dec

-12

Jan-

13M

ar-1

3M

ay-1

3Ju

n-13

Aug

-13

Oct

-13

Nov

-13

Jan-

14M

ar-1

4

NAV

/UN

IT (R

s)

NAV Performance (Since Inception)Pen Growth Benchmark

Debt24.79%

Equity72.51%

MM & Others2.70%





January 29, 2014 ULIF 023 11/12/13 SUD-LI-GR2 142

Products : AUM:

Rs. 12 Cr

Portfolio % to AUM

`


ITC Ltd. 4.28% 40% 100% 53.39%

State Bank of India 4.16% 0% 60% 16.61%

Infosys Technologies Ltd. 3.14% 0% 30% 30%#

Coal India Limited 2.65%

Bharti Airtel Limited 2.61%

ICICI Bank Ltd 2.47%

Hero Motocorp Ltd. 2.46%

Tata Motors Limited 2.16%

Housing Development Finance Corporation Ltd. 2.14%

Maruti Suzuki India Limited 2.14%

Lupin Limited 2.10%

Wipro Ltd 2.04%

Power Grid Corporation of India Limited 2.03%

Cipla Ltd. 2.02%

Power Finance Corporation Limited 2.01%

Hindustan Unilever Limited 2.00%

Tech Mahindra Limited 1.95%

Oil & Natural Gas Corpn Ltd 1.86%

Infrastructure Development Finance Company Limited 1.83%

Aditya Birla Nuvo Limited 1.82%

Reliance Industries Ltd 1.38%

Axis Bank Limited 1.29%

Bajaj Auto Limited 1.29%Others (with < 1% exposure) 1.57%

Debt 16.61%

Gilts & SDL 15.96%

GOI 13.85%

SDL - TAMIL NADU 2.11%

MM & Others 30.00%

Total 100.00%

`

Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionGrowth Plus Fund 6.13% - - - - - 6.69%Benchmark 5.20% - - - - - 7.15%


MM & Others

Equity

Debt


For Dhan Suraksha Plus & Wealth Builder Plan.

Asset Mix


Actual

Benchmark :

GroWTh PlUs FUND - March 2014


10.79%

8.49%

7.13%

4.30%

4.28%

4.12%

3.75%

2.14%

2.00%

2.00%


Infrastructure










5-10 years > 10 years

70.09%

29.91%



Gilt100.00%


9.000010.000011.000012.000013.000014.000015.000016.000017.000018.000019.000020.000021.000022.0000

Jan-14 Feb-14 Mar-14

NAV

/UN

IT (R

s)

NAV Performance (Since Inception)Growth Plus Benchmark

Debt16.61%

Equity53.39%

MM & Others30.00%




January 20, 2010 ULIF 011 20/01/10 SUD-LA-BL1 142

Products : AUM :

Rs. 402.5 Cr

Portfolio % to AUM

`



ICICI Bank Ltd 3.06% 35% 65% 50.62%

Reliance Industries Ltd 2.93%Infosys Technologies Ltd. 2.73%Axis Bank Limited 2.29%Bharti Airtel Limited 2.09%

Tech Mahindra Limited 1.95%Mahindra & Mahindra Ltd. 1.87%HDFC Bank Ltd 1.71%ITC Ltd. 1.64%

Tata Consultancy Services Limited 1.62%Tata Motors Limited 1.53%HCL Technologies Ltd 1.37%Tata Global Beverages Ltd. 1.36%Oil & Natural Gas Corpn Ltd 1.33%State Bank of India 1.29%Housing Development Finance Corporation Ltd. 1.29%Sun Pharmaceuticals Industries Ltd 1.25%Aditya Birla Nuvo Limited 1.06%Others (with < 1% exposure) 14.70%




POWER FINANCE CORPORATION LTD. 5.22%POWER GRID CORPORATION OF INDIA LTD 3.36%LIC HOUSING FINANCE LTD 3.02%RELIANCE CAPITAL LTD. 2.05%HINDALCO INDUSTRIES LTD. 1.34%RAYMOND LTD. 1.26%UNITED PHOSPHORUS LTD. 1.26%HINDUSTAN PETROLEUM CORPORATION LTD 1.21%RURAL ELECTRIFICATION CORPORATION L 1.14%Others (with < 1% exposure) 9.37%

MM & Others 7.96%

Total 100.00%

`

Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionApex Balanced Fund 3.84% 3.57% 10.86% 12.99% 10.63% 6.84% 7.23%Benchmark 4.13% 4.50% 10.95% 11.34% 9.92% 6.29% 6.71%

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 :


aPEX BalaNcED FUND - March 2014


Asset Mix

Particulars

19.99%

13.22%

8.26%

5.24%

4.06%

3.71%

3.65%

3.31%

3.12%

2.68%


Infrastructure



Civil engineering




Housing Sector




5.71%9.03%

13.27%

54.90%

17.10%


Debt42.66%

Equity49.38%

MM & Others7.96%

Asset Allocation( % to AUM)

Gilt31.45%

AAA52.07%

AA+13.52%

AA-2.96%


9

9.5

10

10.5

11

11.5

12

12.5

13

13.5

14

Jan-

10M

ar-1

0A

pr-1

0M

ay-…

Jun-

10A

ug-1

0Se

p-10

Oct

-10

Dec

-10

Jan-

11Fe

b-11

Apr

-11

May

-…Ju

n-11

Aug

-11

Sep-

11O

ct-1

1D

ec-1

1Ja

n-12

Feb-

12M

ar-1

2M

ay-…

Jun-

12Ju

l-12

Sep-

12O

ct-1

2N

ov-1

2Ja

n-13

Feb-

13M

ar-1

3M

ay-…

Jun-

13Ju

l-13

Sep-

13O

ct-1

3N

ov-1

3D

ec-1

3Fe

b-14

Mar

-14

NAV

/UN

IT (R

s)


Apex Balance Benchmark




February 18, 2009 ULIF 001 18/02/09 SUD-LI-BL1 142

Products : AUM :

Rs. 51.94 Cr

% to AUM

`




Larsen & Toubro Limited 3.03%ICICI Bank Ltd 2.64%ITC Ltd. 2.30%Dr. Reddys Laboratories Ltd. 1.97%State Bank of India 1.83%

Tata Steel Limited 1.83%

Bharti Airtel Limited 1.65%Tata Consultancy Services Limited 1.52%Housing Development Finance Corporation Ltd. 1.44%Colgate Palmolive (India) Ltd 1.39%HDFC Bank Ltd 1.34%Oil & Natural Gas Corpn Ltd 1.29%Mahindra & Mahindra Ltd. 1.28%Bajaj Auto Limited 1.20%Axis Bank Limited 1.12%National Thermal Power Corporation Limited 1.04%Others (with < 1% exposure) 1.37%

Debt 61.90%

Gilts & SDL 15.29%

GOI 13.21%

SDL (with < 1% exposure) 2.08%


HDFC LTD. 5.91%RELIANCE CAPITAL LTD. 3.92%THE GREAT EASTERN SHIPPING CO. LTD. 3.86%RURAL ELECTRIFICATION CORPORATION L 3.85%STEEL AUTHORITY OF INDIA LTD. 3.76%INDIAN OIL CORPORATION LTD 3.18%LARSEN & TOUBRO LTD. 3.00%THE INDIAN HOTELS COMPANY LTD. 2.88%POWER FINANCE CORPORATION LTD. 2.33%TECH MAHINDRA LTD. 2.31%TATA COMMUNICATIONS LTD. 2.12%RAYMOND LTD. 1.96%POWER GRID CORPORATION OF INDIA LTD 1.69%IRFC LTD. 1.56%LIC HOUSING FINANCE LTD 1.32%Others (with < 1% exposure) 2.97%

MM & Others 1.65%

Total 100.00%

`


Balanced Fund 2.91% 2.81% 8.35% 10.13% 9.30% 7.05% 11.07%Benchmark 3.07% 3.74% 8.59% 8.58% 8.72% 6.70% 10.32%

Equity

Debt, MM & Others

BalaNcED FUND - March 2014

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

Particulars


Benchmark :


18.28%

8.82%

7.95%

7.26%

7.23%

6.03%

5.58%

3.86%

2.88%

2.30%


Infrastructure



Housing Sector

Civil engineering


Water transport

Accommodation




18.30%

26.36%

13.50%

29.45%

12.39%

Debt Maturity Profile (% of Debt)

Debt61.90%

Equity36.45%

MM & Others1.65%


Gilt24.71%

AAA64.06%

AA+8.08%

AA-3.16%


9.510

10.511

11.512

12.513

13.514

14.515

15.516

16.517

17.5

Feb-

09A

pr-0

9M

ay-0

9Ju

l-09

Sep-

09O

ct-0

9D

ec-0

9Fe

b-10

Mar

-10

May

-10

Jul-1

0A

ug-1

0O

ct-1

0N

ov-1

0Ja

n-11

Mar

-11

Apr

-11

Jun-

11A

ug-1

1Se

p-11

Nov

-11

Jan-

12Fe

b-12

Apr

-12

Jun-

12Ju

l-12

Sep-

12O

ct-1

2D

ec-1

2Fe

b-13

Mar

-13

May

-13

Jul-1

3A

ug-1

3O

ct-1

3D

ec-1

3Ja

n-14

Mar

-14

NAV

/UN

IT (R

s)

NAV Performance (Since Inception)Balance Fund Benchmark




January 20, 2010 ULIF 015 20/01/10 SUD-PA-BL1 142

Products : AUM :

Rs. 50.88 Cr

Portfolio % to AUM

`



HDFC Bank Ltd 4.34% 35% 65% 49.02%

Larsen & Toubro Limited 3.68%Mahindra & Mahindra Ltd. 3.51%HCL Technologies Ltd 2.77%Colgate Palmolive (India) Ltd 2.58%

Housing Development Finance Corporation Ltd. 2.52%Oil & Natural Gas Corpn Ltd 2.44%Tata Steel Limited 2.38%IndusInd Bank Limited 1.83%

Tech Mahindra Limited 1.79%Bharti Airtel Limited 2.19%Tata Consultancy Services Limited 2.12%Infosys Technologies Ltd. 1.97%State Bank of India 1.91%Axis Bank Limited 1.72%ICICI Bank Ltd 1.59%Grasim Industries Ltd. 1.39%Sun Pharmaceuticals Industries Ltd 1.30%Hindustan Unilever Limited 1.19%Others (with < 1% exposure) 2.34%

Debt 42.32%

Gilts & SDL 15.01%

GOI 10.65%SDL - TAMIL NADU 1.90%SDL GUJARAT 1.86%SDL - Other States (with < 1% exposure) 0.61%


RELIANCE CAPITAL LTD. 6.10%LARSEN & TOUBRO LTD. 3.79%POWER FINANCE CORPORATION LTD. 3.71%IL & FS LTD. 2.00%TATA SONS LTD. 1.95%HDFC LTD. 1.94%LIC HOUSING FINANCE LTD 1.90%RELIANCE GAS TRANSPORTN INFRA LTD. 1.01%Others (with < 1% exposure) 4.91%

MM & Others 6.71%

Total 100.00%

`

Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionIndividual Pension Fund - Apex Balanced 3.91% 3.55% 11.72% 13.87% 11.79% 7.74% 7.17%Benchmark 4.13% 4.50% 10.95% 11.34% 9.92% 6.29% 6.71%

INDIvIDUal PENsIoN FUND aPEX BalaNcED - March 2014

Equity


Debt, MM & Others


Asset Mix


Actual

Benchmark :


22.41%

9.44%

7.46%

7.40%

6.18%

5.16%

4.28%

3.90%

3.84%

2.52%



Civil engineering

Infrastructure





Housing Sector



< 1 year 1-3 years 3-5 years > 10 years

12.35%

26.63%

3.81%

24.06%


Gilt35.48%

AAA62.25%

AA+2.27%


9.3

9.8

10.3

10.8

11.3

11.8

12.3

12.8

13.3

13.8

Jan-

10M

ar-1

0A

pr-1

0M

ay-1

0Ju

n-10

Aug

-10

Sep-

10O

ct-1

0D

ec-1

0Ja

n-11

Feb-

11A

pr-1

1M

ay-1

1Ju

n-11

Aug

-11

Sep-

11O

ct-1

1D

ec-1

1Ja

n-12

Feb-

12M

ar-1

2M

ay-1

2Ju

n-12

Jul-1

2Se

p-12

Oct

-12

Nov

-12

Jan-

13Fe

b-13

Mar

-13

May

-13

Jun-

13Ju

l-13

Sep-

13O

ct-1

3N

ov-1

3D

ec-1

3Fe

b-14

Mar

-14

NAV

/UN

IT (R

s)


Pen Apex Bal Benchmark

Debt42.32%

Equity50.98%

MM & Others6.71%





March 31, 2009 ULIF 007 31/03/09 SUD-PI-BL1 142

Products : AUM :

Rs. 41.10 Cr

Portfolio % to AUM

`



Housing Development Finance Corporation Ltd. 2.98% 40% 100% 66.32%

Reliance Industries Ltd 2.68%Larsen & Toubro Limited 2.48%Bharti Airtel Limited 2.40%

Colgate Palmolive (India) Ltd 2.19%ICICI Bank Ltd 2.18%

Mahindra & Mahindra Ltd. 1.67%Maruti Suzuki India Limited 1.34%Grasim Industries Ltd. 1.26%Dr. Reddys Laboratories Ltd. 1.19%HDFC Bank Ltd 1.09%Oil & Natural Gas Corpn Ltd 1.01%Others (with < 1% exposure) 8.46%

Debt 62.59%Gilts & SDL 13.11%GOI 7.17%SDL - TAMIL NADU 3.54%SDL (with < 1% exposure) 2.40%

Corporate Bonds 49.49%INDIAN OIL CORPORATION LTD 5.50%THE GREAT EASTERN SHIPPING CO. LTD. 4.38%STEEL AUTHORITY OF INDIA LTD. 4.10%TATA COMMUNICATIONS LTD. 3.89%RURAL ELECTRIFICATION CORPORATION L 3.64%THE INDIAN HOTELS COMPANY LTD. 3.64%TECH MAHINDRA LTD. 3.41%LARSEN & TOUBRO LTD. 2.60%RELIANCE CAPITAL LTD. 2.48%LIC HOUSING FINANCE LTD 2.38%POWER FINANCE CORPORATION LTD. 1.94%TATA SONS LTD. 1.70%NATIONAL BANK FOR AGRI & RURAL DEVE 1.48%TATA STEEL LTD. 1.47%MRF LTD. 1.21%HDFC LTD. 1.18%L & T FINANCE LTD. 1.18%RELIANCE INDUSTRIES LTD 1.17%Others (with < 1% exposure) 2.14%

MM & Others 3.73%

Total 100.00%

`

Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionIndividual Pension Fund - Balanced 3.05% 2.86% 8.55% 10.24% 9.51% 7.09% 10.20%Benchmark 3.07% 3.74% 8.59% 8.58% 8.72% 6.70% 9.98%

IN/PEN&GA/UL/BAL 1 2 3 4 7 8 6

INDIvIDUal PENsIoN FUND BalaNcED - March 2014

Equity


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


Actual

Benchmark :


16.56%

9.35%

8.85%

8.78%

6.52%

5.08%

4.38%

3.64%

3.57%

3.45%




Infrastructure


Civil engineering

Water transport

Accommodation

Housing Sector




15.34%

29.63%

8.92%

34.83%

11.29%


Gilt20.94%

AAA64.69%

AA2.34%

AA+12.03%


9.510

10.511

11.512

12.513

13.514

14.515

15.516

16.517

Mar

-09

May

-09

Jul-0

9A

ug-0

9O

ct-0

9D

ec-0

9Ja

n-10

Mar

-10

May

-10

Jun-

10A

ug-1

0O

ct-1

0N

ov-1

0Ja

n-11

Mar

-11

Apr

-11

Jun-

11Ju

l-11

Sep-

11N

ov-1

1D

ec-1

1Fe

b-12

Apr

-12

May

-12

Jul-1

2Se

p-12

Oct

-12

Dec

-12

Jan-

13M

ar-1

3M

ay-1

3Ju

n-13

Aug

-13

Oct

-13

Nov

-13

Jan-

14M

ar-1

4

NAV

/UN

IT (R

s)


Pen Bal Benchmark

Debt62.59%

Equity33.68%

MM & Others3.73%




Date of Inception : SFIN No. Benchmark :

April 29, 2011 ULIF 017 29/04/11 SUD-LX-BL1 142 CNX Nifty Index - 30%CRISIL Composite Bond Index - 70%

Products : AUM :

For Dhan Suraksha Express 0.00

Portfolio % to AUM

`




Larsen & Toubro Limited 1.42%

ICICI Bank Ltd 1.31%HDFC Bank Ltd 1.29%Oil & Natural Gas Corpn Ltd 1.24%HCL Technologies Ltd 1.16%ITC Ltd. 1.15%Bharti Airtel Limited 1.09%Axis Bank Limited 1.09%Tech Mahindra Limited 1.03%Bajaj Auto Limited 1.00%Others (with < 1% exposure) 16.54%


GOI 18.17%SDL - TAMIL NADU 2.24%


POWER FINANCE CORPORATION LTD. 4.31%RELIANCE GAS TRANSPORTN INFRA LTD. 3.94%FULLERTON INDIA CREDIT COMPANY LTD. 3.92%THE GREAT EASTERN SHIPPING CO. LTD. 3.82%IL & FS LTD. 3.56%

POWER GRID CORPORATION OF INDIA LTD 3.21%LIC HOUSING FINANCE LTD 2.87%RELIANCE CAPITAL LTD. 2.58%THE INDIAN HOTELS COMPANY LTD. 1.91%HINDUSTAN PETROLEUM CORPORATION LTD 1.86%NATIONAL BANK FOR AGRI & RURAL DEVE 1.54%L & T FINANCE LTD. 1.11%Others (with < 1% exposure) 5.00%

MM & Others 9.14%

Total 100.00%

`

Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionExpress Balanced Fund 3.15% 3.31% 8.37% 9.24% 9.46% - 7.68%Benchmark 3.07% 3.74% 8.59% 8.58% 8.72% - 6.95%

Equity

Debt, MM & Others

EXPrEss BalaNcED FUND - March 2014


Asset Mix


Actual

19.65%

15.47%

4.95%

4.44%

3.82%

3.24%

1.91%

1.72%

1.68%

1.54%


Infrastructure



Water transport

Housing Sector

Accommodation


Manufacture of pharmaceuticals,medicinal chemical

and botanical products



1-3 years 3-5 years 5-10 years > 10 years

18.81%

10.73%

48.55%

21.91%


Gilt35.03%

AAA51.47%

AA+12.70%

AA-0.80%


9.5

10.0

10.5

11.0

11.5

12.0

12.5

13.0

Apr

-11

Jun-

11

Jul-1

1

Aug

-11

Oct

-11

Nov

-11

Dec

-11

Feb-

12

Mar

-12

Apr

-12

Jun-

12

Jul-1

2

Aug

-12

Sep-

12

Nov

-12

Dec

-12

Jan-

13

Mar

-13

Apr

-13

May

-13

Jul-1

3

Aug

-13

Sep-

13

Nov

-13

Dec

-13

Jan-

14

Mar

-14

NAV

/UN

IT (R

s)


Exp Bal Benchmark

Debt61.01%

Equity29.85%

MM & Others9.14%





January 29, 2014 ULIF 024 11/12/13 SUD-LI-BL2 142 CNX Nifty Index - 30%CRISIL Composite Bond Index - 70%

Products : AUM :

For Dhan Suraksha Plus & Wealth Builder Plan Rs. 16.35 Cr

Portfolio % to AUM

`


State Bank of India 2.70% 0% 60% 24.75%

Coal India Limited 1.77% 40% 100% 45.25%

0% 30% 30%#

ICICI Bank Ltd 1.71%

Hero Motocorp Ltd. 1.67%ITC Ltd. 1.66%Hindustan Unilever Limited 1.47%Maruti Suzuki India Limited 1.45%Power Grid Corporation of India Limited 1.38%Infrastructure Development Finance Company Limited 1.35%Tech Mahindra Limited 1.32%Tata Motors Limited 1.22%Housing Development Finance Corporation Ltd. 1.19%Lupin Limited 1.14%Others (with < 1% exposure) 7.07%


GOI 38.73%

MM & Others 30.00%

Total 100.00%

`

Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionBalance Plus Fund 4.81% - - - - - 5.14%Benchmark 3.07% - - - - - 4.00%


MM & Others

Equity

Debt

BALANCEd PLUS FUNd - MArCh 2014


Asset Mix


Actual

7.98%

3.39%

2.67%

2.30%

1.91%

1.82%

1.66%

1.47%

1.19%

0.83%


Infrastructure



Manufacture of pharmaceuticals,medicinal chemical …







3-5 years 5-10 years > 10 years

6.99%

59.96%

33.05%


Gilt97.09%

AA+2.91%


9.90

9.95

10.00

10.05

10.10

10.15

10.20

10.25

10.30

10.35

10.40

10.45

10.50

10.55


NAV

/UN

IT (R

s)


Bal Plus Benchmark

Debt45.25%

Equity24.75%

MM & Others30.00%





January 20, 2010 ULIF 012 20/01/10 SUD-LA-BN1 142

Products : AUM :

Rs. 161.95 Cr

Portfolio % to AUM

`

Debt 88.84% Minimum Maximum

Gilts & SDL 30.68% 80% 100% 88.84%

GOI 25.96% 0% 20% 11.16%


SDL MAHARASHTRA 1.71%






IL & FS LTD. 4.16%

NATIONAL THERMAL POWER CORPORATION 4.16%

M & M FINANCIAL SERVICES LTD. 3.97%


STEEL AUTHORITY OF INDIA LTD. 3.29%

HINDUSTAN PETROLEUM CORPORATION LTD 3.01%

HINDALCO INDUSTRIES LTD. 2.42%


TATA SONS LTD. 2.05%

FULLERTON INDIA CREDIT COMPANY LTD. 1.90%

TATA CAPITAL FINANCIAL SERVICES LTD 1.80%

L & T FINANCE LTD. 1.74%

HDFC LTD. 1.35%THE GREAT EASTERN SHIPPING CO. LTD. 1.23%

THE INDIAN HOTELS COMPANY LTD. 1.23%

CHENNAI PETROLEUM CORPORATION LTD. 1.22%


MM & Others 11.16%

Total 100.00%

`

Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionApex Bond Fund 1.49% 2.35% 4.87% 4.06% 7.49% 7.30% 6.80%Benchmark 1.45% 2.57% 5.06% 4.86% 6.99% 7.25% 6.64%

DEBT

MM & Others

Particulars

aPEX BoND FUND - March 2014

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


Benchmark :

CRISIL Composite Bond Index - 90%CRISIL Liquid Fund Index - 10%

23.50%

12.55%

6.35%

5.70%

4.77%

1.23%

1.23%

0.93%

0.62%

0.47%


Infrastructure

Housing Sector



Water transport

Accommodation

Manufacture of rubber and plastics products

Other financial activities

Manufacture of textiles



3.46%

9.28%

15.41%

44.69%

27.16%


Debt88.84%

MM & Others11.16%


Gilt34.54%

AAA48.79%

AA+16.15%

AA-0.53%


9.8

10.3

10.8

11.3

11.8

12.3

12.8

13.3

13.8

Jan-

10M

ar-1

0A

pr-1

0M

ay-1

0Ju

n-10

Aug

-10

Sep-

10O

ct-1

0D

ec-1

0Ja

n-11

Feb-

11A

pr-1

1M

ay-1

1Ju

n-11

Aug

-11

Sep-

11O

ct-1

1D

ec-1

1Ja

n-12

Feb-

12M

ar-1

2M

ay-1

2Ju

n-12

Jul-1

2Se

p-12

Oct

-12

Nov

-12

Jan-

13Fe

b-13

Mar

-13

May

-13

Jun-

13Ju

l-13

Sep-

13O

ct-1

3N

ov-1

3D

ec-1

3Fe

b-14

Mar

-14

NAV

/UN

IT (R

s)


Apex Bond Benchmark




February 25, 2009 ULIF 004 25/02/09 SUD-LI-BN1 142 CRISIL Composite Bond Index - 90%CRISIL Liquid Fund Index - 10%

Products : AUM :

0.00

Portfolio % to AUM

`


Gilts & SDL 35.13% 80% 100% 100%#

GOI 29.53% 0% 20% 0.00%




THE GREAT EASTERN SHIPPING CO. LTD. 7.92%

UNITED PHOSPHORUS LTD. 5.02%

IRFC LTD. 4.93%

M & M FINANCIAL SERVICES LTD. 4.87%



HDFC LTD. 3.97%

TECH MAHINDRA LTD. 3.96%


MRF LTD. 3.48%

LARSEN & TOUBRO LTD. 3.41%



NATIONAL BANK FOR AGRI & RURAL DEVE 2.48%

TATA CAPITAL FINANCIAL SERVICES LTD 2.48%

TATA COMMUNICATIONS LTD. 2.47%



INDIAN OIL CORPORATION LTD 1.52%

RELIANCE GAS TRANSPORTN INFRA LTD. 1.04%


MM & Others -5.07%

Total 100.00%

`

Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionBond Fund 1.34% 2.34% 4.63% 5.31% 7.83% 7.51% 6.69%Benchmark 1.45% 2.57% 5.06% 4.86% 6.99% 7.25% 6.34%Note: # after adjustment for Net Current Assets

Debt

MM & Others

BoND FUND - March 2014



Asset Mix

Particulars


13.82%

12.08%

7.92%

7.41%

6.89%

5.02%

4.42%

3.96%

3.48%

3.41%


Infrastructure

Water transport


Housing Sector





Civil engineering



10.51%12.97%

20.69%

43.61%

12.22%


Debt100.00%


Gilt33.44%

AAA48.65%

AA0.47%

AA+17.44%


9.5

10

10.5

11

11.5

12

12.5

13

13.5

14

14.5

Feb-

09A

pr-0

9Ju

n-09

Jul-0

9Se

p-09

Nov

-09

Dec

-09

Feb-

10A

pr-1

0M

ay-1

0Ju

l-10

Aug

-10

Oct

-10

Dec

-10

Jan-

11M

ar-1

1M

ay-1

1Ju

n-11

Aug

-11

Oct

-11

Nov

-11

Jan-

12M

ar-1

2A

pr-1

2Ju

n-12

Jul-1

2Se

p-12

Nov

-12

Dec

-12

Feb-

13A

pr-1

3M

ay-1

3Ju

l-13

Sep-

13O

ct-1

3D

ec-1

3Ja

n-14

Mar

-14

NA

V/U

NIT

(Rs)

NAV Performance (Since Inception)Bond Fund Benchmark




January 20, 2010 ULIF 016 20/01/10 SUD-PA-BN1 142

Products : AUM :

For New Dhruv Tara Products Rs. 20.73 Cr

Portfolio % to AUM

`


Gilts & SDL 34.49% 80% 100% 88.16%

GOI 25.67% 0% 20% 11.84%

SDL GUJARAT 3.88%


SDL ANDHRA PRADESH 1.19%SDL (with < 1% exposure) 0.37%






RAYMOND LTD. 4.90%

HINDALCO INDUSTRIES LTD. 4.72%

HDFC LTD. 4.29%


MRF LTD. 2.43%

CHENNAI PETROLEUM CORPORATION LTD. 2.39%

NATIONAL THERMAL POWER CORPORATION 2.32%



RELIANCE INDUSTRIES LTD 1.39%Others (with < 1% exposure) 0.46%

MM & Others 11.84%

Total 100.00%

`

Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionIndividual Pension Fund - Apex Bond 1.32% 2.33% 4.93% 3.85% 7.19% 7.04% 6.52%Benchmark 1.45% 2.57% 5.06% 4.86% 6.99% 7.25% 6.64%

INDIvIDUal PENsIoN FUND aPEX BoND - March 2014

DEBT

MM & Others


Asset Mix


Actual

Benchmark :


16.74%

9.31%

5.60%

5.19%

4.90%

4.29%

3.78%

2.43%

1.45%

Infrastructure


Civil engineering


Manufacture of textiles

Housing Sector






5.94%

20.31%

5.07%

40.35%

28.33%


Debt88.16%

MM & Others11.84%


Gilt39.12%

AAA47.21%

AA+8.11%

AA-5.56%


9.8

10.3

10.8

11.3

11.8

12.3

12.8

13.3

Jan-

10M

ar-1

0A

pr-1

0M

ay-…

Jun-

10A

ug-1

0Se

p-10

Oct

-10

Dec

-10

Jan-

11Fe

b-11

Apr

-11

May

-…Ju

n-11

Aug

-11

Sep-

11O

ct-1

1D

ec-1

1Ja

n-12

Feb-

12M

ar-1

2M

ay-…

Jun-

12Ju

l-12

Sep-

12O

ct-1

2N

ov-1

2Ja

n-13

Feb-

13M

ar-1

3M

ay-…

Jun-

13Ju

l-13

Sep-

13O

ct-1

3N

ov-1

3D

ec-1

3Fe

b-14

Mar

-14

NAV

/UN

IT (R

s)


Pen Apex Bond Benchmark




March 31, 2009 ULIF 008 31/03/09 SUD-PI-BN1 142

Products : AUM :

Rs. 10.77 Cr

Portfolio % to AUM

`


Gilts & SDL 26.41% 80% 100% 92.15%

GOI 12.98% 0% 20% 7.85%


SDL ANDHRA PRADESH 2.57%

SDL GUJARAT 1.76%

SDL - KERALA 1.74%SDL (with < 1% exposure) 0.52%




INDIAN OIL CORPORATION LTD 6.70%


NATIONAL BANK FOR AGRI & RURAL DEVE 5.61%

THE INDIAN HOTELS COMPANY LTD. 4.63%


MRF LTD. 3.74%



TATA COMMUNICATIONS LTD. 2.78%

HDFC LTD. 2.70%

TATA STEEL LTD. 1.86%POWER FINANCE CORPORATION LTD. 1.85%


MM & Others 7.85%

Total 100.00%

`

Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionIndividual Pension Fund - Bond 1.27% 2.26% 4.67% 5.66% 7.83% 7.57% 6.68%Benchmark 1.45% 2.57% 5.06% 4.86% 6.99% 7.25% 6.43%

INDIvIDUal PENsIoN FUND BoND - March 2014

Debt


MM & Others


Asset Mix


Actual

Benchmark :


10.16%

10.09%

8.23%

8.20%

6.70%

6.53%

4.63%

3.74%

3.73%

2.79%

Infrastructure

Housing Sector

Civil engineering




Accommodation






13.70%

26.97%

17.51%

28.78%

13.03%


Debt92.15%

MM & Others7.85%


Gilt28.67%

AAA57.20%

AA2.02%

AA+12.11%


9.7

10.2

10.7

11.2

11.7

12.2

12.7

13.2

13.7

14.2

Mar

-09

May

-09

Jul-0

9A

ug-0

9O

ct-0

9D

ec-0

9Ja

n-10

Mar

-10

May

-10

Jun-

10A

ug-1

0O

ct-1

0N

ov-1

0Ja

n-11

Mar

-11

Apr

-11

Jun-

11Ju

l-11

Sep-

11N

ov-1

1D

ec-1

1Fe

b-12

Apr

-12

May

-12

Jul-1

2Se

p-12

Oct

-12

Dec

-12

Jan-

13M

ar-1

3M

ay-1

3Ju

n-13

Aug

-13

Oct

-13

Nov

-13

Jan-

14M

ar-1

4

NAV

/UN

IT (R

s)

NAV Performance (Since Inception)Pen Bond Benchmark




January 30, 2014 ULIF 020 11/12/13 SUD-LI-BN2 142

Products : AUM :

Rs. 13.43 Cr

Portfolio % to AUM

`


Gilts & SDL 67.71% 70% 100% 70.00%

GOI 55.71% 0% 30% 30%#




MM & Others 30.00%

Total 100.00%

Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionIndividual Life Income Fund 1.49% - - - - - 1.79%Benchmark 1.42% - - - - - 1.69%


CRISIL Liquid Fund Index - 15%

individual liFE inCOME Fund - MarCh 2014


Benchmark :

CRISIL Composite Bond Index - 85%

MM & Others

For Dhan Suraksha Plus & Wealth Builder Plan

Asset Mix


Actual

Debt

Debt70.00%

MM & Others30.00%


Gilt96.38%

AA+3.62%


3-5 years 5-10 years > 10 years

4.40%

59.71%

35.89%


9.7

9.8

9.9

10.0

10.1

10.2

10.3


NAV

/UN

IT (R

s)

NAV Performance (Since Inception)Income Benchmark




June 03, 2011 ULIF 018 03/06/11 SUD-UL-DP1 142

Products : AUM :

Dhan Suraksha Express, Dhan Suraksha 3, Dhan Suraksha Premium 3 & Prabhat Tara 3,Dhan Suraksha Plus & Wealth Builder Plan Rs. 204.24 Cr

Portfolio % to AUM

`

Debt & MM 100.00% Minimum Maximum

Gilts & SDL 64.24% 60% 100% 64.24%

MM & Others 35.76% 0% 40% 35.76%


Discontinued Policies Fund 0.85% 1.99% 4.31% 6.50% 7.47% - 7.62%Benchmark 0.87% 2.16% 4.64% 7.79% 8.01% - 8.19%

Note: * Crisil Liquid Index 100% upto May 2013 CRISIL Short Term Gilt Index 65% & CRISIL Liquid Index 35% from June 13 onwards

Government Securties

MM & Others

DiscontinueD Policies FunD - MARcH 2014

To ensure safety and liquidity of funds and to generate the returns over and above defined regulatory minimum rate of return of 4% per annum.

Asset Mix

Benchmark :

CRISIL Short Term Gilt Index 65% & CRISIL Liquid Index 35% *


Actual

Government Securties64.24%

MM & Others35.76%


9.8

10.1

10.4

10.7

11.0

11.3

11.6

11.9

12.2

12.5

Nov

-11

Dec

-11

Jan-

12

Feb-

12

Mar

-12

Apr

-12

May

-12

Jun-

12

Jul-1

2

Aug

-12

Sep-

12

Oct

-12

Nov

-12

Dec

-12

Jan-

13

Feb-

13

Mar

-13

Apr

-13

May

-13

Jun-

13

Jul-1

3

Aug

-13

Sep-

13

Oct

-13

Nov

-13

Dec

-13

Jan-

14

Feb-

14

Mar

-14

NAV

/UN

IT (R

s)

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”.

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