InveSTAR - SUD Life Fact Sheet February 2014.… · euphoria with a perception of a stable...

Fact Sheet

February – 2014

InveSTAR

MONTHLY REPORT – FEBRUARY’2014

From the Desk of Chief Investment Officer…

With election code of conduct coming in force, no major policy actions are expected

from the Government. Combinations and permutations for Government formation are

being talked about on the opinion polls. As of now, with the perception of formation of

stable Government, post elections, financial markets are in the up move.

For the quarter ended Dec.’13, GDP growth at 4.7% was marginally lower than that of

quarter ended Sept.’13 at 4.8%. The growth was pulled down due to contraction of

Industry segment as was also apparent from monthly Industrial Production data. Higher

growth of Services Sector buffered contraction of Industrial growth to some extent. The

GDP growth, however, continues to be below 5%, for the last 7 quarters.

On the positive side, retail as well as wholesale inflation cooled off for the second

consecutive month in Jan.’14 to 5% and 8.8% respectively. On the back of lower Gold

and Silver imports and pick-up in exports, merchandise trade deficit has narrowed

significantly and Current Account Deficit (CAD) has dropped to a four year low at 0.9%

of GDP in Q3’14. This coupled with increase in country’s Forex reserves has

strengthened INR vs. US$, while other emerging market currencies have lost strength.

On international front, as political tensions in Ukraine have somewhat abated, financial

markets world over came out of the corrective phase. Outlook for economic growth in

US continues to be positive, implying continuation of QE tapering. On the other hand,

due to weak economic conditions, European Central Bank (ECB) kept its policy rate

unchanged at 0.25% and expectations of monetary easing, is building up. With

expectations of slowdown in China, outlook for metals has turned somewhat negative.

Outlook for Equity Markets

With FII flows turning positive, markets recovered from the corrective phase in the

second half of February. In early March, after a brief correction, the market moved up

sharply as political tensions in Ukraine abated and Nifty made a new all time high. The

sharp up move appears to have stemmed from increased FII flows and pre-election

euphoria with a perception of a stable Government. Improvement in macro position,

especially CAD, Inflation and Fiscal consolidation are also seen positively.

At about 14.5 X to FY15 estimated earnings, Sensex is trading close to long-term

average, indicating room for up-move. However, direction of the market is largely

dependent on FII flows. The pre-election euphoria is likely to continue till

commencement of elections in April.

Outlook for Debt Markets

For the last about 3 months, Bond yields are continuing to be range-bound at elevated

levels apparently tracking policy rate, where a cut by RBI is not foreseen in near future.

As at February end, 10 year Benchmark G-sec. yield closed at 8.86% against 8.82% as

at January end. Tracking appreciation of INR, Bond yield has further softened in early

March.

Going forward, direction of Bond yields will largely depend on the trajectory of CPI

inflation, inflationary expectation and economic growth indicators, based on which RBI

is expected to frame its stance and actions.

Performance Summary as on February 28, 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

Balance Plus Fund

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

Income Fund **

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

Total AUM 2664.55

** Full Portfolio Details of the Funds would be provided, once the Fund Size reaches Rs 5 crore.

NA NA NA

22 30/01/2014 4.24 10.03 NA NA NA NA NA NA NA NA NA NA

21 30/01/2014 5.47 10.03 NA NA NA NA

NA NA NANA NA NA

NA NA NA

NA NA NA

20 30/01/2014 3.98 10.05 NA NA NA NA NA NA NA NA NA NA

19 30/01/2014 3.46 10.02 NA

17

18

7.03%

NA

NA

7.03%

6.02%

6.29%

6.61%

7.03%

1

2

3

4

5

6

7

8

9

10

11

12

13

14

15

16

6.41%

5.04%

5.41%

5.81%

6.41%

6.02%

3.91%

5.68%

3.26%

20/01/2010 98.94 12.57

20/01/2010 112.37 12.74

20/01/2010 157.54 12.99

8.76%

Inception

date

AUM (Rs.

Cr)

NAV

(Rs.)

7.86%

13.80%

11.81%

4.89%

13.80%

11.81%

7.86%

4.89%

13.80%

4.89%

13.80%

11.81%

9.85%

4.89%

14.65%

6.14%

15.33%

13.46%

9.49%

6.23%

5.04%

5.41%

5.81%

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

9.84%

16.91%5.90% 17.53%

5.73%

6.08%

6.02%

6.29%

6.41%

5.48%6.32%

8.17%

6.80%

6.02%

8.04%

8.17%

7.68%

7.42%

6 Month

5.68%

10.31%

8.46%

10.31%

8.46%

14.78% 13.60% 10.49%

12.35% 12.95% 10.51%

10.31%

8.46%

3.91%

1 Year

03/06/2011 192.22 11.84 5.14% 6.29% NA

29/04/2011 50.01 12.04 7.66%

20/01/2010 50.94 12.87 10.22%

20/01/2010 21.14 12.86 4.75%

NA 7.52%9.16%5.14% NA

9.37% 7.91% 6.33%

6.39% 6.86% 6.32%

6.08% 7.47% NA 6.75%

7.12%

3.91%

5.68%7.86%

7.37%

6.41%

6.95%

6.61%9.80%

4.44% 3.21% 6.65% 6.56%

7.12%

3.91%

7.37%

6.41% 7.11%

6.95%

5.87%

20/01/2010 384.42 12.91 10.32% 8.70%9.85% 8.18% 7.08%

6.89% 12.37%

16.18%

8.17%

9.71%

31/03/2009 10.95 13.64 4.99% 5.19% 7.15% 7.41% 6.52%

6.95%

6.41%

6.80%7.02%

14.54%

31/03/2009 67.17 17.75 11.10%

20/01/2010 542.58

8.17%

7.68%

6.02%

6.29%

31/03/2009 64.64 19.49 14.33%

11.81%

14.48% 10.11% 7.00%

7.68% 6.29%

8.46% 7.68%12.64 11.64% 10.08% 8.40% 6.67%

31/03/2009 41.55 15.78 7.87% 7.25% 7.70%

20/01/2010 520.60 12.45 14.60% 11.87% 8.91%

10.12% 8.80%

10.31%

11.63% 8.59%

25/02/2009 23.66 13.66 4.81% 4.74% 7.11% 7.33% 6.52%6.41% 7.03%

Absolute CAGR

18/02/2009 56.00 16.63 7.84% 7.22%

9.03% 7.19%

7.64% 7.11% 10.64%

25/02/2009 101.02 22.55 13.10%

25/02/2009 151.65 21.32 12.52% 11.20%

InveSTAR

142L003V01 142L004V01 142L008V01 142L028V01 142L010V01 142L018V01 142L019V01 142L020V01 142L024V01 142L025V01 142L026V01 142L021V01 142L041V01 142L042V01

Fund 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

PremiumPrabhat Tara

11

12

13

14

15

16

5

6

7

8

9

10

P

P

P

P

P

P

New Dhruv Tara Dhan Suraksha

Express

Dhruv Tara

Product

New Dhan

Suraksha

New Dhan

Suraksha PremiumDhan Suraksha 3

Dhan 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

Investment Objective :

Date of Inception : SFIN No.

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

Products: AUM :

RS . 520.60 Cr

Portfolio % to AUM

`

Equity 91.69% Minimum Maximum

Larsen & Toubro Limited 6.68% 80% 100% 91.69%

Reliance Industries Ltd 5.62% 0% 20% 8.31%

Infosys Ltd 4.85%

ICICI Bank Ltd 4.18%

HDFC Bank Ltd 3.68%

Bharti Airtel Limited 3.51%

Axis Bank Limited 3.23%

Mahindra & Mahindra Ltd. 3.13%

Tech Mahindra Limited 3.12%

Tata Motors Limited 3.12%

Oil & Natural Gas Corpn Ltd 2.99%

Tata Consultancy Services Limited 2.95%

ITC Ltd. 2.83%

HCL Technologies Ltd 2.75%

Housing Development Finance Corporation Ltd. 2.64%

Sun Pharmaceuticals Industries Ltd 2.53%

Tata Global Beverages Ltd. 1.99%

State Bank of India 1.89%

Hindustan Petroleum Corporation Ltd. 1.69%

Tata Steel Limited 1.68%

Aditya Birla Nuvo Limited 1.60%

Bajaj Auto Limited 1.50%

NMDC Limited 1.49%

Cairn India Limited 1.43%

Wipro Ltd 1.41%

Dr. Reddys Laboratories Ltd. 1.39%

Hindalco Industries Ltd. 1.38%

Cipla Ltd. 1.34%

Sesa Sterlite Ltd. 1.31%

IndusInd Bank Limited 1.29%

Colgate Palmolive (India) Ltd 1.29%

Coal India Limited 1.22%

Hero Motocorp Ltd. 1.20%

Tata Power Co. Ltd. 1.19%

Idea Cellular Limited 1.14%

Lupin Limited 1.13%

Others (with < 1% exposure) 5.29%

MM & Others 8.31%

Total 100.00%

`

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

Apex Equity Fund 2.91% 1.17% 14.60% 11.87% 8.91% 6.32% 5.48%

Benchmark 2.84% 1.70% 13.80% 10.31% 8.17% 6.02% 5.04%

Equity

MM & Others

APEX EQUITY FUND - February 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%

20.24%

15.08%

7.31%

7.23%

6.68%

6.39%

4.65%

3.06%

2.99%

2.83%

Financial & Insurance

Computer programming, consultancy and related activities

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

Telecommunications - Infra

Manufacture of Basic Metals

Extraction of crude petroleum and natural gas

Manufacture of tobacco products

Top 10 Industry Exposure ( % to AUM)

Equity91.69%

MM & Others8.31%

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

Ap

r-1

0Ju

n-1

0A

ug-

10

Sep

-10

No

v-1

0Ja

n-1

1Fe

b-1

1A

pr-

11

Jun

-11

Jul-

11

Sep

-11

No

v-1

1D

ec-1

1Fe

b-1

2M

ar-1

2M

ay-1

2Ju

l-1

2A

ug-

12

Oct

-12

Dec

-12

Jan

-13

Mar

-13

May

-13

Jun

-13

Au

g-1

3O

ct-1

3N

ov-

13

Jan

-14

Feb

-14

NA

V/U

NIT

(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. 101.02 Cr

Portfolio % to AUM

`




Infosys Ltd 5.93%


HDFC Bank Ltd 5.22%

ITC Ltd. 4.88%









Wipro Ltd 2.48%






Lupin Limited 1.52%


Grasim Industries Ltd. 1.29%

Yes Bank Limited 1.21%


Cipla Ltd. 1.07%




MM & Others 7.31%

Total 100.00%

`


Equity Fund 2.92% 0.62% 13.10% 11.63% 8.59% 5.90% 17.53%

Benchmark 2.84% 1.70% 13.80% 10.31% 8.17% 6.02% 16.91%

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 - February 2014

For Dhan Suraksha, Dhan Suraksha Premium, Prabhat

Tara.

22.31%

16.08%

7.78%

7.26%

7.21%

6.63%

4.88%

3.96%

2.73%

2.53%




Civil engineering






Manufacture of other transport equipment

Top 10 Industry Exposure (% to AUM)

Equity92.69%

MM & Others7.31%


9

11

13

15

17

19

21

23

Feb

-09

May

-09

Au

g-0

9

No

v-0

9

Feb

-10

May

-10

Au

g-1

0

No

v-1

0

Feb

-11

May

-11

Au

g-1

1

No

v-1

1

Feb

-12

May

-12

Au

g-1

2

No

v-1

2

Feb

-13

May

-13

Au

g-1

3

No

v-1

3

Feb

-14

NA

V/U

NIT

(R

s)


Equity Fund Benchmark



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

Products : AUM :

Rs. 98.94 Cr

Portfolio % to AUM

`




Infosys Ltd 6.55%

HDFC Bank Ltd 5.18%











ITC Ltd. 2.77%









Cipla Ltd. 1.55%



Wipro Ltd 1.21%



MM & Others 7.52%

Total 100.00%

`


Individual Pension Fund - Apex Equity 3.35% 1.48% 14.78% 13.60% 10.49% 7.42% 5.73%

Benchmark 2.84% 1.70% 13.80% 10.31% 8.17% 6.02% 5.04%

individual Pension FUND APEX EQUITY - February 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 :



23.09%

16.10%

8.88%

8.61%

6.89%

5.63%

3.39%

3.26%

2.89%

2.77%




Civil engineering


Manufacture of pharmaceuticals, medicinal chemical and

botanical products



Manufacture of chemicals and chemical products



Equity92.48%

MM & Others7.52%


8.5

9.0

9.5

10.0

10.5

11.0

11.5

12.0

12.5

13.0

Jan

-10

Mar

-10

Ap

r-1

0Ju

n-1

0A

ug-

10

Sep

-10

No

v-1

0Ja

n-1

1Fe

b-1

1A

pr-

11

Jun

-11

Jul-

11

Sep

-11

No

v-1

1D

ec-1

1Fe

b-1

2M

ar-1

2M

ay-1

2Ju

l-1

2A

ug-

12

Oct

-12

Dec

-12

Jan

-13

Mar

-13

May

-13

Jun

-13

Au

g-1

3O

ct-1

3N

ov-

13

Jan

-14

Feb

-14

NA

V/U

NIT

(R

s)


Pen Apex Equity Benchmark



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

Products : AUM :

Rs . 64.64 Cr

Portfolio % to AUM

`




Infosys Ltd 5.61%



HDFC Bank Ltd 4.89%

ITC Ltd. 4.56%













Wipro Ltd 1.85%

Lupin Limited 1.71%




Cipla Ltd. 1.19%




MM & Others 6.54%

Total 100.00%

`


Individual Pension Fund - Equity 3.20% 1.58% 14.33% 14.48% 10.11% 7.00% 14.54%

Benchmark 2.84% 1.70% 13.80% 10.31% 8.17% 6.02% 15.33%

MM & Others

Individual pension FUND EQUITY - February 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 :



23.12%

16.21%

8.25%

7.92%

7.87%

6.23%

4.56%

4.19%

3.10%

2.52%




Civil engineering








Equity93.46%

MM & Others6.54%


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

Mar

-09

May

-…Ju

l-0

9O

ct-0

9D

ec-0

9Fe

b-1

0A

pr-

10

Jun

-10

Au

g-1

0O

ct-1

0D

ec-1

0Fe

b-1

1A

pr-

11

Jun

-11

Au

g-1

1O

ct-1

1D

ec-1

1Fe

b-1

2A

pr-

12

Jun

-12

Au

g-1

2O

ct-1

2D

ec-1

2Fe

b-1

3A

pr-

13

Jun

-13

Au

g-1

3O

ct-1

3D

ec-1

3Fe

b-1

4

NA

V/U

NIT

(R

s)


Pen Equity Benchmark



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

Products : AUM :

Rs. 542.58 Cr

Portfolio % to AUM

`




Infosys Ltd 3.55%








HDFC Bank Ltd 2.41%






ITC Ltd. 1.61%





Wipro Ltd 1.21%

Cipla Ltd. 1.18%


Idea Cellular Limited 1.09%



NMDC Limited 1.05%




Debt 23.85%

Gilts & SDL 4.84%

GOI 4.46%

SDL (with < 1% exposure) 0.38%

Corporate Bonds 19.01%

Power Finance Corporation Limited 2.40%

Power Grid Corporation of India Limited 2.25%

Rural Electrification Corporation Limited 2.24%

LIC Housing Finance Ltd 1.31%


MM & Others 5.21%

Total 100.00%

`


Apex Growth Fund 2.08% 1.21% 11.64% 10.08% 8.40% 6.67% 5.87%

Benchmark 2.24% 1.66% 11.81% 8.46% 7.68% 6.29% 5.41%

Equity

Debt, MM & Others

APEX GROWTH FUND - February 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

For New Dhan Suraksha, New Dhan Suraksha Premium,

New Prabhat Tara, Dhan Suraksha 3, Dhan Suraksha

Premium 3 & Prabhat Tara 3.

Benchmark :


CRISIL Composite Bond Index - 30%

18.25%

13.98%

6.96%

5.64%

5.33%

5.25%

4.71%

4.51%

3.89%

3.40%





Infrastructure finance services


Electricity, Gas, Steam and Aircondition Supply - Infra

Civil engineering



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

7.16%10.49%

14.43%

46.79%

21.13%

Debt Maturity Profile ( % of Debt)

Debt23.85%

Equity70.94%

MM & Others5.21%


9.0

9.5

10.0

10.5

11.0

11.5

12.0

12.5

13.0

Jan

-10

Mar

-10

Ap

r-1

0Ju

n-1

0A

ug-

10

Sep

-10

No

v-1

0Ja

n-1

1Fe

b-1

1A

pr-

11

Jun

-11

Jul-

11

Sep

-11

No

v-1

1D

ec-1

1Fe

b-1

2M

ar-1

2M

ay-1

2Ju

l-1

2A

ug-

12

Oct

-12

Dec

-12

Jan

-13

Mar

-13

May

-13

Jun

-13

Au

g-1

3O

ct-1

3N

ov-

13

Jan

-14

Feb

-14

NA

V/U

NIT

(R

s)


Apex Growth Benchmark

Gilt20.63%

AAA63.37%

AA1.55%

AA+14.46%

Debt Rating Profile (% of Debt)

Modified Duration - 3.81 yrs



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

Products : AUM:

Rs. 151.65 Cr

Portfolio % to AUM

`



Infosys Ltd 5.33% 0% 60% 30.53%


Reliance Industries Ltd 3.63%





ITC Ltd. 2.81%




HDFC Bank Ltd 2.07%










Debt 23.01%

Gilts & SDL 6.81%

GOI 5.82%



Steel Authority of India Ltd. 2.03%

Reliance Ports & Terminals Ltd. 1.36%

Tata Capital Financial Services Ltd 1.31%

The Indian Hotels Company Limited 1.30%


Reliance Capital Limited 1.06%Others (with < 1% exposure) 5.55%

MM & Others 7.53%

Total 100.00%

`


Growth Fund 2.19% 1.48% 12.52% 11.20% 9.03% 7.19% 16.18%

Benchmark 2.24% 1.66% 11.81% 8.46% 7.68% 6.29% 14.65%

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.


Asset Mix

Particulars

GROWTH FUND - February 2014

For Dhan Suraksha, Dhan Suraksha Premium, Prabhat Tara

& Dhan Suraksha Express.

Benchmark :



17.62%

14.70%

6.00%

5.96%

5.03%

4.87%

4.19%

3.76%

3.69%

2.81%




Civil engineering








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

13.51%14.82% 14.11%

33.43%

24.14%


Gilt29.59%

AAA54.17%

AA6.24%

AA+10.00%


9

10

11

12

13

14

15

16

17

18

19

20

21

22

Feb

-09

May

-09

Au

g-0

9

No

v-0

9

Feb

-10

May

-10

Au

g-1

0

No

v-1

0

Feb

-11

May

-11

Au

g-1

1

No

v-1

1

Feb

-12

May

-12

Au

g-1

2

No

v-1

2

Feb

-13

May

-13

Au

g-1

3

No

v-1

3

Feb

-14

NA

V/U

NIT

(R

s)

NAV Performance (Since Inception)Growth Fund Benchmark

Debt23.01%

Equity69.47%

MM & Others7.53%





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

Products : AUM :

Rs. 112.37 Cr

Portfolio % to AUM

`




Infosys Ltd 5.15%


HDFC Bank Ltd 4.04%





ITC Ltd. 2.82%










Lupin Limited 1.55%

Cipla Ltd. 1.52%



Debt 25.22%

Gilts & SDL 4.14%

GOI 2.74%SDL (with < 1% exposure) 1.40%






Dr. Reddy's Laboratories Ltd. 1.80%

TATA Sons 1.13%Others (with < 1% exposure) 6.76%

MM & Others 3.70%

Total 100.00%

`


Individual Pension Fund - Apex Growth 2.29% 1.57% 12.35% 12.95% 10.51% 8.04% 6.08%

Benchmark 2.24% 1.66% 11.81% 8.46% 7.68% 6.29% 5.41%

individual Pension FUND APEX Growth - February 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 :



19.38%

14.56%

7.86%

6.55%

6.01%

5.43%

4.79%

3.74%

3.66%

3.51%




Civil engineering


Housing Sector



Warehousing and support activities for transportation - Infra




24.02%

19.33%

3.55%

45.54%

7.56%


Debt25.22%

Equity71.09%

MM & Others3.70%


Gilt16.42%

AAA74.73%

AA+8.85%


9.0

9.5

10.0

10.5

11.0

11.5

12.0

12.5

13.0

Jan

-10

Mar

-10

Ap

r-1

0Ju

n-1

0A

ug-

10

Sep

-10

No

v-1

0Ja

n-1

1Fe

b-1

1A

pr-

11

Jun

-11

Jul-

11

Sep

-11

No

v-1

1D

ec-1

1Fe

b-1

2M

ar-1

2M

ay-1

2Ju

l-1

2A

ug-

12

Oct

-12

Dec

-12

Jan

-13

Mar

-13

May

-13

Jun

-13

Au

g-1

3O

ct-1

3N

ov-

13

Jan

-14

Feb

-14

NA

V/U

NIT

(R

s)


Pen Apex Growth Benchmark




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

Products : AUM :

Rs. 67.17 Cr

Portfolio % to AUM

`






HDFC Bank Ltd 3.76%




Infosys Ltd 3.38%














ITC Ltd. 1.29%


Debt 25.38%

Gilts & SDL 1.35%

GOI 1.25%





The Great Eastern Shipping Co. Limited 2.51%


Indian Oil Corporation Ltd 1.85%


Indian Railway Financial Corporation Ltd. 1.49%

Tata Communications Limited 1.49%




Reliance Capital Limited 1.04%


MM & Others 2.59%

Total 100.00%

`


Individual Pension Fund - Growth 2.06% 1.18% 11.10% 10.12% 8.80% 6.89% 12.37%

Benchmark 2.24% 1.66% 11.81% 8.46% 7.68% 6.29% 13.46%

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 - February 2014


Benchmark :



19.24%

14.47%

8.61%

6.34%

6.26%

5.42%

5.04%

4.29%

3.50%

3.22%





Civil engineering








40.08%

19.05%

14.44%

21.17%

5.27%


Gilt5.33%

AAA81.67%

AA6.97%

AA+6.03%


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-

09

Oct

-09

Dec

-09

Feb

-10

Ap

r-1

0Ju

n-1

0A

ug-

10

Oct

-10

Dec

-10

Feb

-11

Ap

r-1

1Ju

n-1

1A

ug-

11

Oct

-11

Dec

-11

Feb

-12

Ap

r-1

2Ju

n-1

2A

ug-

12

Oct

-12

Dec

-12

Feb

-13

Ap

r-1

3Ju

n-1

3A

ug-

13

Oct

-13

Dec

-13

Feb

-14

NA

V/U

NIT

(R

s)


Pen Growth Benchmark

Debt25.38%

Equity72.03%

MM & Others2.59%





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

Products : AUM :

Rs. 384.42 Cr

Portfolio % to AUM

`


Infosys Ltd 3.33% 35% 65% 47.90%










HDFC Bank Ltd 1.60%

ITC Ltd. 1.59%








Debt 41.26%

Gilts & SDL 11.80%

GOI 9.02%







Raymond Ltd. 1.32%

United Phosphorus Limited 1.31%



Infrastructure Leasing & Financial Services Ltd. 1.18%


MM & Others 10.84%

Total 100.00%

`


Apex Balanced Fund 1.66% 1.46% 10.32% 8.70% 8.18% 7.08% 6.41%

Benchmark 1.69% 1.66% 9.85% 7.12% 7.37% 6.61% 5.81%

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.

For New Dhan Suraksha, New Dhan Suraksha

Premium, New Prabhat Tara, Dhan Suraksha 3, Dhan

Suraksha Premium 3 & Prabhat Tara 3.

Benchmark :



APEX BALANCED FUND - February 2014


Asset Mix

Particulars

14.94%

9.93%

8.51%

4.92%

4.83%

4.31%

3.91%

3.76%

3.29%

2.85%






Manufacture of pharmaceuticals, medicinal chemical and

botanical products

Civil engineering

Housing Sector





7.59% 9.08%

14.86%

51.25%

17.21%


Debt41.26%

Equity47.90%

MM & Others10.84%

Asset Allocation( % to AUM)

Gilt29.53%

AAA57.72%

AA1.29%

AA+11.46%


9

9.5

10

10.5

11

11.5

12

12.5

13

13.5

Jan

-10

Mar

-10

Ap

r-1

0Ju

n-1

0A

ug-

10

Sep

-10

No

v-1

0Ja

n-1

1Fe

b-1

1A

pr-

11

Jun

-11

Jul-

11

Sep

-11

No

v-1

1D

ec-1

1Fe

b-1

2M

ar-1

2M

ay-…

Jul-

12

Au

g-1

2O

ct-1

2D

ec-1

2Ja

n-1

3M

ar-1

3M

ay-…

Jun

-13

Au

g-1

3O

ct-1

3N

ov-

13

Jan

-14

Feb

-14

NA

V/U

NIT

(R

s)


Apex Balance Benchmark




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

Products : AUM :

Rs. 56.00 Cr

% to AUM

`


Infosys Ltd 4.45% 0% 60% 34.53%


Larsen & Toubro Limited 3.25%



ITC Ltd. 1.98%








HDFC Bank Ltd 1.11%




Debt 58.14%

Gilts & SDL 12.50%

GOI 10.58%















Raymond Ltd. 1.81%






MM & Others 7.32%

Total 100.00%

`


Balanced Fund 1.04% 1.08% 7.84% 7.22% 7.64% 7.11% 10.64%

Benchmark 1.13% 1.64% 7.86% 5.68% 6.95% 6.80% 9.84%

Equity

Debt, MM & Others

BALANCED FUND - February 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

For Dhan Suraksha, Dhan Suraksha Premium, Prabhat

Tara.

Benchmark :



11.26%

8.50%

7.12%

6.86%

6.66%

6.18%

5.25%

4.77%

3.55%

3.35%




Civil engineering

Housing Sector



Manufacture of pharmaceuticals, medicinal chemical

and botanical products

Water transport




25.13%

21.28%

17.45%

22.53%

13.62%

Debt Maturity Profile (% of Debt)

Debt58.14%

Equity34.53%

MM & Others7.32%


Gilt22.20%

AAA64.82%

AA4.70%

AA+8.28%


9.5

10

10.5

11

11.5

12

12.5

13

13.5

14

14.5

15

15.5

16

16.5

17

17.5

Feb

-09

May

-09

Au

g-0

9

No

v-0

9

Feb

-10

May

-10

Au

g-1

0

No

v-1

0

Feb

-11

May

-11

Au

g-1

1

No

v-1

1

Feb

-12

May

-12

Au

g-12

No

v-1

2

Feb

-13

May

-13

Au

g-1

3

No

v-1

3

Feb

-14

NA

V/U

NIT

(R

s)


Balance Fund Benchmark




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

Products : AUM :

Rs. 50.94 Cr

Portfolio % to AUM

`




HDFC Bank Ltd 4.27%










Infosys Ltd 2.30%



Cipla Ltd. 1.51%






Debt 41.58%

Gilts & SDL 12.20%

GOI 7.85%

State Government - Tamil Nadu 1.88%

SDL - Gujarat 1.87%

SDL - Other States (with < 1% exposure) 0.60%







TATA Sons 1.93%


Reliance Gas Transportation Infrastructure Limited 1.00%Others (with < 1% exposure) 6.21%

MM & Others 5.73%

Total 100.00%

`


Individual Pension Fund - Apex Balanced 1.84% 1.71% 10.22% 9.80% 9.37% 7.91% 6.33%

Benchmark 1.69% 1.66% 9.85% 7.12% 7.37% 6.61% 5.81%

individual Pension FUND APEX balanced - February 2014

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.

Asset Mix


Actual

Benchmark :



15.56%

12.00%

8.04%

6.64%

5.77%

5.40%

5.05%

3.96%

3.89%

3.69%



Civil engineering


Housing Sector







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

13.08%16.13%

56.36%

14.44%


Gilt29.34%

AAA67.52%

AA+3.14%


9.3

9.8

10.3

10.8

11.3

11.8

12.3

12.8

13.3

Jan

-10

Mar

-10

Ap

r-1

0Ju

n-1

0A

ug-

10

Sep

-10

No

v-1

0Ja

n-1

1Fe

b-1

1A

pr-

11

Jun

-11

Jul-

11

Sep

-11

No

v-1

1D

ec-1

1Fe

b-1

2M

ar-1

2M

ay-1

2Ju

l-1

2A

ug-

12

Oct

-12

Dec

-12

Jan

-13

Mar

-13

May

-13

Jun

-13

Au

g-1

3O

ct-1

3N

ov-

13

Jan

-14

Feb

-14

NA

V/U

NIT

(R

s)


Pen Apex Bal Benchmark

Debt41.58%

Equity52.69%

MM & Others5.73%





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

Products : AUM :

Rs. 41.55 Cr

Portfolio % to AUM

`


Infosys Ltd 4.34% 0% 60% 31.63%

Housing Development Finance Corporation Ltd. 2.74% 40% 100% 68.37%








HDFC Bank Ltd 1.13%


Maruti Suzuki India Limited 1.07%


Debt 64.09%

Gilts & SDL 12.84%

GOI 7.00%

State Government - Tamil Nadu 3.47%SDL (with < 1% exposure) 2.37%













TATA Sons 1.67%

National Bank For Agriculture And Rural Development 1.45%




MRF Ltd. 1.19%





MM & Others 4.29%

Total 100.00%

`


Individual Pension Fund - Balanced 0.96% 1.01% 7.87% 7.25% 7.70% 7.02% 9.71%

Benchmark 1.13% 1.64% 7.86% 5.68% 6.95% 6.80% 9.49%

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

individual pension FUND BALANCED - February 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 :



11.74%

8.82%

8.56%

8.12%

6.38%

6.31%

5.99%

4.29%

3.57%

3.50%





Civil engineering



Water transport

Accommodation

Housing Sector



24.13%22.84%

13.94%

26.46%

12.64%


Gilt20.03%

AAA64.43%

AA7.82%

AA+7.73%


9.5

10

10.5

11

11.5

12

12.5

13

13.5

14

14.5

15

15.5

16

16.5

Mar

-09

May

-09

Jul-

09

Oct

-09

Dec

-09

Feb

-10

Ap

r-1

0Ju

n-1

0A

ug-

10

Oct

-10

Dec

-10

Feb

-11

Ap

r-1

1Ju

n-1

1A

ug-

11

Oct

-11

Dec

-11

Feb

-12

Ap

r-1

2Ju

n-1

2A

ug-

12

Oct

-12

Dec

-12

Feb

-13

Ap

r-1

3Ju

n-1

3A

ug-

13

Oct

-13

Dec

-13

Feb

-14

NA

V/U

NIT

(R

s)


Pen Bal Benchmark

Debt64.09%

Equity31.63%

MM & Others4.29%




Date of Inception : SFIN No. Benchmark :

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


Products : AUM :

For Dhan Suraksha Express Rs. 50.01 Cr

Portfolio % to AUM

`


HCL Technologies Ltd 2.32% 0% 60% 28.15%

Infosys Ltd 1.97% 40% 100% 71.85%



HDFC Bank Ltd 1.21%




ITC Ltd. 1.12%



Debt 61.90%

Gilts & SDL 20.00%

GOI 17.08%




Reliance Gas Transportation Infrastructure Limited 4.08%

Fullerton India Credit Company Limited 4.07%










MRF Ltd. 1.00%


MM & Others 9.95%

Total 100.00%

`


Express Balanced Fund 1.01% 1.43% 7.66% 6.08% 7.47% - 6.75%

Benchmark 1.13% 1.64% 7.86% 5.68% 6.95% - 6.02%

Equity

Debt, MM & Others

Express BALANCED FUND - February 2014

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


Actual

11.83%

10.11%

6.70%

5.31%

4.22%

4.08%

3.96%

3.76%

2.67%

2.45%






Land transport and transport via pipelines - Infra

Water transport

Housing Sector


Civil engineering



1.29%

16.05% 14.16%

43.66%

24.84%


Gilt32.58%

AAA53.67%

AA3.22%

AA+10.53%


9.5

10.0

10.5

11.0

11.5

12.0

12.5

Ap

r-1

1

Jun

-11

Jul-

11

Sep

-11

Oct

-11

Dec

-11

Jan

-12

Mar

-12

Ap

r-1

2

Jun

-12

Jul-

12

Sep

-12

Oct

-12

Dec

-12

Jan

-13

Mar

-13

Ap

r-1

3

Jun

-13

Jul-

13

Au

g-1

3

Oct

-13

No

v-1

3

Jan

-14

Feb

-14

NA

V/U

NIT

(R

s)


Exp Bal Benchmark

Debt61.90%

Equity28.15%

MM & Others9.95%





January 30, 2014 ULIF 024 11/12/13 SUD-LI-BL2 142 CNX Nifty Index - 30%


Products : AUM :

For Dhan Suraksha Plus & Wealth Builder Plan Rs. 5.47 Cr

Portfolio % to AUM

`


Power Grid Corporation of India Limited 3.72% 0% 60% 16.97%

Cipla Ltd. 2.30% 40% 100% 83.03%




Infosys Ltd 1.74%




Debt 38.30%

Gilts & SDL 38.30%

GOI 38.30%

MM & Others 44.73%

Total 100.00%

`


Balance Plus Fund 0.08% - - - - - 3.90%

Benchmark 1.13% - - - - - 11.53%

Equity

Debt, MM & Others

BALANCE PLUS FUND - February 2014

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


Actual

3.72%

2.30%

2.18%

1.80%

1.75%

1.74%

1.42%

1.20%

0.86%


Manufacture of pharmaceuticals, medicinal chemical …







Civil engineering


5-10 years

100.00%


Gilt100.00%


9.90

9.95

10.00

10.05

10.10

Jan-14 Feb-14

NA

V/U

NIT

(R

s)


Bal Plus Benchmark

Debt38.30%

Equity16.97%

MM & Others44.73%





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

Products : AUM :

Rs. 157.54 Cr

Portfolio % to AUM

`

Debt 86.28% Minimum Maximum

Gilts & SDL 29.06% 80% 100% 86.28%

GOI 25.40% 0% 20% 13.72%

State Govt - Maharashtra 1.74%






National Thermal Power Corporation Limited 4.23%

Mahindra & Mahindra Financial Services Limited 4.04%







Fullerton India Credit Company Limited 1.94%






Chennai Petroleum Corporation Limited 1.25%


MM & Others 13.72%

Total 100.00%

`


Apex Bond Fund 0.22% 1.23% 4.44% 3.21% 6.65% 7.11% 6.56%

Benchmark 0.33% 1.64% 4.89% 3.91% 6.41% 7.03% 6.41%

DEBT

MM & Others

Particulars

APEX BOND FUND - February 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

For New Dhan Suraksha, New Dhan Suraksha Premium,

New Prabhat Tara, Dhan Suraksha 3, Dhan Suraksha

Premium 3 & Prabhat Tara 3.

Benchmark :



11.18%

10.65%

8.75%

7.12%

4.88%

4.86%

3.07%

1.26%

1.26%

1.04%




Housing Sector




Water transport

Accommodation

Civil engineering



5.20%

9.75%

16.17%

36.99%

31.89%


Debt86.28%

MM & Others13.72%


Gilt33.87%

AAA50.74%

AA1.46%

AA+13.93%


9.8

10.3

10.8

11.3

11.8

12.3

12.8

13.3

13.8

Jan

-10

Mar

-10

Ap

r-1

0Ju

n-1

0A

ug-

10

Sep

-10

No

v-1

0Ja

n-1

1Fe

b-1

1A

pr-

11

Jun

-11

Jul-

11

Sep

-11

No

v-1

1D

ec-1

1Fe

b-1

2M

ar-1

2M

ay-1

2Ju

l-1

2A

ug-

12

Oct

-12

Dec

-12

Jan

-13

Mar

-13

May

-13

Jun

-13

Au

g-1

3O

ct-1

3N

ov-

13

Jan

-14

Feb

-14

NA

V/U

NIT

(R

s)


Apex Bond Benchmark




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


Products : AUM :

Rs. 23.66 Cr

Portfolio % to AUM

`


Gilts & SDL 27.12% 80% 100% 91.76%

GOI 23.20% 0% 20% 8.24%

State Govt - Maharashtra 2.11%







United Phosphorus Limited 4.25%


Mahindra & Mahindra Financial Services Limited 4.12%




MRF Ltd. 2.95%






TATA Sons 1.69%



MM & Others 8.24%

Total 100.00%

`


Bond Fund 0.35% 1.42% 4.81% 4.74% 7.11% 7.33% 6.52%

Benchmark 0.33% 1.64% 4.89% 3.91% 6.41% 7.03% 6.14%

Debt

MM & Others

BOND FUND - February 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

Particulars

For Dhan Suraksha, Dhan Suraksha Premium, Prabhat Tara.

10.08%

10.04%

7.91%

6.71%

4.58%

4.51%

4.25%

3.77%

3.38%

2.95%

Housing Sector



Water transport


Civil engineering




Manufacture of rubber and plastics products



19.25%

12.62%

15.89%

37.76%

14.49%


Debt91.76%

MM & Others8.24%


Gilt29.55%

AAA53.05%

AA0.46%

AA+16.94%


9.5

10

10.5

11

11.5

12

12.5

13

13.5

14

Feb

-09

May

-09

Au

g-0

9

No

v-0

9

Feb

-10

May

-10

Au

g-1

0

No

v-1

0

Feb

-11

May

-11

Au

g-1

1

No

v-1

1

Feb

-12

May

-12

Au

g-1

2

No

v-1

2

Feb

-13

May

-13

Au

g-1

3

No

v-1

3

Feb

-14

NA

V/U

NIT

(R

s)


Bond Fund Benchmark




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

Products : AUM :

For New Dhruv Tara Products Rs. 21.14 Cr

Portfolio % to AUM

`


Gilts & SDL 31.50% 80% 100% 87.96%

GOI 22.83% 0% 20% 12.04%

SDL - Gujarat 3.82%

State Govt - Maharashtra 3.32%SDL (with < 1% exposure) 1.53%







Raymond Ltd. 4.79%


TATA Sons 2.78%

MRF Ltd. 2.36%

Chennai Petroleum Corporation Limited 2.33%

National Thermal Power Corporation Limited 2.26%




Reliance Industries Ltd 1.35%Others (with < 1% exposure) 0.45%

MM & Others 12.04%

Total 100.00%

`


Individual Pension Fund - Apex Bond 0.37% 1.43% 4.75% 3.26% 6.39% 6.86% 6.32%

Benchmark 0.33% 1.64% 4.89% 3.91% 6.41% 7.03% 6.41%

individual Pension FUND APEX bond - February 2014

DEBT

MM & Others



Asset Mix


Actual

Benchmark :



10.19%

7.48%

6.54%

5.44%

5.03%

4.87%

4.79%

3.68%

2.78%

2.36%



Housing Sector

Civil engineering



Manufacture of textiles






10.66%

22.50%

2.11%

34.69%

30.05%


Debt87.96%

MM & Others12.04%


Gilt35.81%

AAA48.71%

AA+10.04%

AA-5.44%


9.8

10.3

10.8

11.3

11.8

12.3

12.8

13.3

Jan

-10

Mar

-10

Ap

r-1

0

Jun

-10

Au

g-1

0

Sep

-10

No

v-1

0

Jan

-11

Feb

-11

Ap

r-1

1

Jun

-11

Jul-

11

Sep

-11

No

v-1

1

Dec

-11

Feb

-12

Mar

-12

May

-…

Jul-

12

Au

g-1

2

Oct

-12

Dec

-12

Jan

-13

Mar

-13

May

-…

Jun

-13

Au

g-1

3

Oct

-13

No

v-1

3

Jan

-14

Feb

-14

NA

V/U

NIT

(R

s)


Pen Apex Bond Benchmark




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

Products : AUM :

Rs. 10.95 Cr

Portfolio % to AUM

`


Gilts & SDL 23.54% 80% 100% 90.00%

GOI 12.69% 0% 20% 10.00%


SDL - Andhra Pradesh 2.51%

SDL - Gujarat 1.74%

SDL - Kerala 1.70%










MRF Ltd. 3.64%



TATA Sons 2.73%





MM & Others 10.00%

Total 100.00%

`


Individual Pension Fund - Bond 0.39% 1.50% 4.99% 5.19% 7.15% 7.41% 6.52%

Benchmark 0.33% 1.64% 4.89% 3.91% 6.41% 7.03% 6.23%

individual Pension FUND BOND - February 2014

Debt


MM & Others



Asset Mix


Actual

Benchmark :



9.87%

8.18%

8.02%

8.01%

6.71%

6.53%

4.51%

3.65%

3.64%

2.74%

Housing Sector



Civil engineering



Accommodation






19.35%21.93% 20.46%

27.79%

10.46%


Debt90.00%

MM & Others10.00%


Gilt26.15%

AAA59.72%

AA7.04%

AA+7.09%


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-

09

Oct

-09

Dec

-09

Feb

-10

Ap

r-1

0Ju

n-1

0A

ug-

10

Oct

-10

Dec

-10

Feb

-11

Ap

r-1

1Ju

n-1

1A

ug-

11

Oct

-11

Dec

-11

Feb

-12

Ap

r-1

2Ju

n-1

2A

ug-

12

Oct

-12

Dec

-12

Feb

-13

Ap

r-1

3Ju

n-1

3A

ug-

13

Oct

-13

Dec

-13

Feb

-14

NA

V/U

NIT

(R

s)

NAV Performance (Since Inception)Pen Bond 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. Rs. 192.22 Cr

Portfolio % to AUM

`

Debt & MM 100.00% Minimum Maximum

Gilts & SDL 61.07%

MM & Others 38.93%


Discontinued Policies Fund 0.62% 1.78% 5.14% 6.29% - - 7.52%

Benchmark 0.68% 2.17% 5.14% 9.16% - - 8.76%

Discontinued Policies FUND - February 2014

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)

Asset Mix

Benchmark :



Actual

Debt & MM 100.00%0% 100%

Debt & MM100.00%


9.8

10.1

10.4

10.7

11.0

11.3

11.6

11.9

12.2

12.5

No

v-1

1

De

c-1

1

Jan

-12

Feb

-12

Mar

-12

Ap

r-1

2

May

-12

Jun

-12

Jul-

12

Au

g-1

2

Sep

-12

Oct

-12

No

v-1

2

De

c-1

2

Jan

-13

Feb

-13

Mar

-13

Ap

r-1

3

May

-13

Jun

-13

Jul-

13

Au

g-1

3

Sep

-13

Oct

-13

No

v-1

3

De

c-1

3

Jan

-14

Feb

-14

NA

V/U

NIT

(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”.

InveSTAR - SUD Life Fact Sheet February 2014.… · euphoria with a perception of a stable...

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