Fact Sheet
Trademark used under licence from respective owners.
July – 2015
InveSTAR
Trademark used under licence from respective owners.
MONTHLY REPORT – JULY 2015
From the Desk of Chief Investment Officer… Monsoon progress, so far on net basis has been satisfactory, though rains in July have been below par. Global economy remains sluggish with lowered estimates, hurting exports. IIP for May fell to 2.7% compared to 3.4% in April as Capital Goods disappointed with a growth of 1.8% after remaining above 6% for last 6 months. Trade deficit remains low around US$ 11 billion a month, with both exports and imports contracting by 15.8% YoY and 13.4% YoY respectively. Retail inflation (CPI) is higher by 40 bps at 5.4%, over previous month, mainly due to food and petrol price, while deflation in Wholesale Price Index (WPI) continued at -2.4% vs -2.4% in May. With Corporate results announced so far being mixed. EPFO’s expected investments in equities (initially through ETF route) during the current year and Government’s announcement on capital infusion in PSU banks helped the sentiments. RBI maintained the rates unchanged in its 3rd bi-monthly monetary policy, while hinting at possible consideration of further rate cuts depending on transmission of earlier rate cuts, food prices and US monetary policy measures. While retaining the economic growth forecast as earlier, it lowered inflation projection by about 20 bps for March 2016, on prospects of softer crude prices and near normal monson so far. On international front: US Federal Reserve in its July meeting reiterated that it would be appropriate to
raise interest rates when it sees some further improvement in labor market and is reasonably confident of inflation moving back to its 2% objective over the medium term.
Iran’s nuclear deal and progress on Greece crisis are seen as positive developments.
Eurozone Composite PMI fell marginally to 53.7 in July from a four year high of 54.2 in June.
China GDP grew 7.0% YoY in the June quarter, same as in the previous quarter. Brent crude oil fell sharply by around 18% in July to $52.2/barrel over previous
month. .
Equity Market Outlook
Nifty rose by 2% in the month of July to close above 8,500 levels led by sharp fall in crude prices, pick-up in monsoon and announcement of bailout package for Greece. Sentiments also improved after US Federal Reserve maintained its policy stance and Indian Government announced plans to infuse additional capital in PSU banks.The June quarter results season has been mixed so far. Nifty is currently trading around 16x FY16 earnings estimates, in-line with its historical long-term average.Going forward, market movement would depend on progress of monsoon, passage of important bills in the remaining Monsoon Session of Parliament, inflation movement, FII flows and global events.
Debt Market Outlook
10 year Benchmark G-sec yield closed at 7.81% compared to 7.86% as at June end. Yields came down mainly due to falling crude prices and easy liquidity.There were intermittent negative reactions due to OMO sale and positive reactions on comments relating to FII Debt limits. Bond yield are likely to trade in a narrow band.
Jul-15 Jun-15 Variation BSE Sensex 28,115 27,781 1.2%NSE Nifty 8,533 8,369 2.0%I0 year Benchmark G-Sec 7.81% 7.86% -5 bpsAAA Corporate Bond Spread 27 bps 37 bps -10 bpsCall 7.08% 7.06% 2 bpsMibor (Overnight) 7.20% 7.28% -8 bpsRs Vs. US$ 64.1 63.7 -0.8%Gold (US$/ounce) 1,096 1,172 -6.5%Brent Crude (US$/barrel) 52.2 63.6 -17.9%
Jul-15 Jun-15 Variation Dow Jones 17,690 17,620 0.4%
Nasdaq Composite 5,128 4,987 2.8%
FTSE 100 6,696 6,521 2.7%
Hang Seng 24,636 26,250 -6.1%
Nikkei 20,585 20,236 1.7%
May-15 Apr-15IIP Growth 2.7% 3.4%
Jun-15 May-15WPI Inflation -2.4% -2.4%CPI Inflation 5.4% 5.0%
Global Equity Indices
Economic Indicators
Performance Summary as on July 31 2015
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
16.93%
15.26%
13.52%
1
2
3
4
5
6
7
8
9
9.31%
9.17%
20/01/2010 62.42 17.37
20/01/2010 66.68 16.83
Inception dateAUM (Rs. Cr)
NAV (Rs.)
‐2.37%
‐1.23%
‐2.37%
‐1.23%
‐2.37%
‐2.37%
‐1.23%
15.99%
16.93%
15.07%
9.31%
9.17%
8.94%
2 Year (A) 3 Year Since Inception (A)
18.15%18.37% 19.40%
10.50%
9.88%
16.93%
15.26%
9.75%
10.43%18.62%
20.73% 16.93%
17.12%
20.73%
18.73%
19.15%
6 Month
10.43%
11.08%
10.43%
11.08%
‐1.66% 10.40% 23.33%
‐1.23% 10.60% 20.33%
10.43%
11.08%
1 Year
11.35% 16.53%
10.28%
20/01/2010 498.24 16.72 0.43% 12.21%0.02% 18.02% 14.60%
15.76% 14.34%
17.88%
20.73%
16.81%
31/03/2009 30.11 23.38 ‐0.55%
20/01/2010 719.18
20.73%
18.73%
16.93%
15.26%
31/03/2009 31.00 26.77 ‐1.91%
‐1.23%
10.78% 23.00% 18.84%
18.73% 15.26%
11.08% 18.73%17.18 ‐0.53% 11.81% 21.49% 16.98%
20/01/2010 701.97 17.31 ‐2.03% 10.24% 24.02%
9.16% 19.29%
10.43%
11.86% 23.67%
Absolute CAGR
21.75% 17.22%
25/02/2009 59.54 31.40 ‐1.93%
25/02/2009 143.79 28.96 ‐0.65% 12.89%
InveSTAR
Trademark used under licence from respective owners.
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 3448.86
NA 16.75% 15.98%
22 1/29/2014 61.84 11.79 1.89% 3.18% 10.81% 11.23% NA NA NA NA 11.59% 11.64%
21 1/29/2014 106.45 12.62 1.25% 1.23% 10.36% 11.54%
NA NA NA‐2.00% 10.56% 10.38%
NA NA NA
NA 23.36% 22.42%
20 1/29/2014 92.92 13.40 0.16% ‐1.23% 10.60% 11.08% NA NA NA NA 21.53% 21.05%
19 1/29/2014 85.88 13.71 ‐0.30%
17
18
8.91%
11.72%
8.38%
8.91%
8.91%
10
11
12
13
14
15
16
7.90%
8.94%
7.90%
9.33%
11.38%
11.54%
10.93%
20/01/2010 197.86 15.29
8.48%
1.23%
3.12%
1.23%
3.12%
3.12%
0.02%
3.12%
7.48%
10.96%
7.57%
11.22%11.72%11.54%
11.38%
03/06/2011 421.60 13.36 3.63% 8.62% 8.92%
29/04/2011 64.36 14.97 1.27%
20/01/2010 29.15 16.50 0.33%
20/01/2010 12.06 15.05 2.28%
7.92% 8.03%8.91%3.98% 9.50%
17.25% 14.76% 9.49%
9.90% 8.59% 7.67%
11.43% 14.69% 12.32% 9.94%
11.35%
11.38%
11.54%1.23%
16.53%
10.66%
14.27%
13.52%10.37%
2.39% 11.26% 10.23% 7.98%11.38% 10.66% 8.92%
14.27%
11.05%
31/03/2009 5.09 15.84 2.74% 10.51% 10.04% 8.82% 7.53%
14.27%
10.66%
11.72%11.97%31/03/2009 17.57 19.43 0.60% 10.40% 14.18%
25/02/2009 10.52 15.90 2.51% 10.47% 10.04% 8.88% 7.56%10.66% 8.91%
18/02/2009 30.64 20.28 1.11% 9.75% 13.89% 11.63% 11.58%
Trademark used under licence from respective owners.
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
Bluechip Equity Fund
ULIF 019 11/12/13 SUD‐LI‐EQ2 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
Mapping of Funds and Products (Funds representing the underlying Products)
1
2
3
4
Product Name (UIN)
Dhan SurakshaDhan Suraksha
PremiumPrabhat Tara
6
7
8
9
New Dhruv
Tara
Dhan Suraksha
Express
Dhruv Tara
Product
New Dhan
Suraksha
New Dhan
Suraksha
Premium
Dhan Suraksha
3
Dhan
Suraksha
Premium 3
Prabhat Tara
3
New Prabhat
Tara
Dhan
Suraksha Plus
Wealth Builder
Plan
EQUITY FUND
5
GROWTH FUND
Trademark used under licence from respective owners.
ULIF 006 31/03/09 SUD‐PI‐GR1 142
Growth Plus Fund
ULIF 023 11/12/13 SUD‐LI‐GR2 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
Balance Plus Fund
ULIF 024 11/12/13 SUD‐LI‐BL2 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
Income Fund
ULIF 020 11/12/13 SUD‐LI‐BN2 142
Discontinued Life Policies Fund
ULIF 018 03/06/11 SUD‐UL‐DP1 142
20
22
13
14
15
17
18
19
9
11
12
10
21
BALANCED FUND
16
DISCONTINUED FUND
BOND FUND
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
January 20, 2010 ULIF 009 20/01/10 SUD‐LA‐EQ1 142
Products: AUM :
Rs. 701.97 Cr
Portfolio % to AUM
`
Equity 91.09% Minimum Maximum
Infosys Technologies Ltd. 7.31% 80% 100% 91.09%
Larsen & Toubro Limited 5.98% 0% 20% 8.91%
ICICI Bank Ltd 5.23%
Reliance Industries Ltd 4.18%
Axis Bank Limited 3.92%
HDFC Bank Ltd 3.88%
Housing Development Finance Corporation Ltd. 3.70%
ITC Ltd. 3.68%
Tata Consultancy Services Limited 3.59%
Tata Motors Limited 3.27%
State Bank of India 3.23%
Bharti Airtel Limited 2.66%
Maruti Suzuki India Limited 2.60%
Hindustan Petroleum Corporation Ltd. 2.39%
HCL Technologies Ltd 2.26%
Oil & Natural Gas Corpn Ltd 2.26%
Sun Pharmaceuticals Industries Ltd 2.17%
APEX EQUITY FUND -JULY 2015
Equity
MM & Others
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%
MM & Others8.91%
Asset Allocation (% to AUM)
Sun Pharmaceuticals Industries Ltd 2.17%
IndusInd Bank Limited 2.15%
Grasim Industries Ltd. 2.11%
Wipro Ltd 2.07%
Power Grid Corporation of India Limited 1.96%
Dr. Reddys Laboratories Ltd. 1.78%
Zee Entertainment Enterprises Ltd 1.59%
Hero Motocorp Ltd. 1.57%
Mahindra & Mahindra Ltd. 1.31%
Aditya Birla Nuvo Limited 1.28%
Tech Mahindra Limited 1.20%
Infrastructure Development Finance Company Limited 1.12%
Hindalco Industries Ltd. 1.11%
ACC Limited 1.10%
Bharat Petroleum Corpn. Ltd 1.06%
Lupin Limited 1.04%
Idea Cellular Limited 1.01%
Others (with < 1% exposure) 5.34%
MM & Others 8.91%
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 2.84% 4.78% ‐2.03% 10.24% 24.02% 18.62% 10.43%
23.18%
16.43%
8.40%
7.76%
7.62%
7.19%
5.98%
5.04%
3.95%
3.68%
Financial & Insurance Activities
Computer programming, consultancy and related activities
Infrastructure
Other financial 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
Manufacture of chemicals and chemical products
Manufacture of tobacco products
Top 10 Industry Exposure ( % to AUM)
Equity91.09%
MM & Others8.91%
Asset Allocation (% to AUM)
8.509.009.5010.0010.5011.0011.5012.0012.5013.0013.5014.0014.5015.0015.5016.0016.5017.0017.5018.0018.5019.0019.5020.0020.50
Jan‐10
Apr‐10
Jul‐10
Oct‐10
Jan‐11
Apr‐11
Jul‐11
Oct‐11
Jan‐12
Apr‐12
Jul‐12
Oct‐12
Jan‐13
Apr‐13
Jul‐13
Oct‐13
Jan‐14
Apr‐14
Jul‐14
Oct‐14
Jan‐15
Apr‐15
Jul‐15
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
NAV Benchmark
Benchmark 1.84% 4.10% ‐2.37% 10.43% 20.73% 16.93% 9.31%
23.18%
16.43%
8.40%
7.76%
7.62%
7.19%
5.98%
5.04%
3.95%
3.68%
Financial & Insurance Activities
Computer programming, consultancy and related activities
Infrastructure
Other financial 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
Manufacture of chemicals and chemical products
Manufacture of tobacco products
Top 10 Industry Exposure ( % to AUM)
Equity91.09%
MM & Others8.91%
Asset Allocation (% to AUM)
8.509.009.5010.0010.5011.0011.5012.0012.5013.0013.5014.0014.5015.0015.5016.0016.5017.0017.5018.0018.5019.0019.5020.0020.50
Jan‐10
Apr‐10
Jul‐10
Oct‐10
Jan‐11
Apr‐11
Jul‐11
Oct‐11
Jan‐12
Apr‐12
Jul‐12
Oct‐12
Jan‐13
Apr‐13
Jul‐13
Oct‐13
Jan‐14
Apr‐14
Jul‐14
Oct‐14
Jan‐15
Apr‐15
Jul‐15
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
NAV Benchmark
Trademark used under licence from respective owners.
Investment Objective:
Date of Inception : SFIN No.
February 25, 2009 ULIF 002 25/02/09 SUD‐LI‐EQ1 142
Products : AUM:
Rs. 59.54 Cr
Portfolio % to AUM
`
Equity 89.38% Minimum Maximum
Infosys Technologies Ltd. 7.56% 80% 100% 89.38%
Larsen & Toubro Limited 6.32% 0% 20% 10.62%
ICICI Bank Ltd 5.48%
Reliance Industries Ltd 4.52%
HDFC Bank Ltd 4.14%
Tata Consultancy Services Limited 4.08%
Maruti Suzuki India Limited 3.52%
Axis Bank Limited 3.50%
Tata Motors Limited 3.47%
Housing Development Finance Corporation Ltd. 3.09%
Bharti Airtel Limited 2.83%
Sun Pharmaceuticals Industries Ltd 2.61%
Grasim Industries Ltd. 2.56%
ITC Ltd. 2.55%
Oil & Natural Gas Corpn Ltd 2.22%
Yes Bank Limited 2.20%
HCL Technologies Ltd 2.19%
Infrastructure Development Finance Company Limited 2.09%
Hindustan Petroleum Corporation Ltd. 1.96%
To tap growth opportunities for long term capital appreciation through investments primarily in equity and
equity‐related instruments.
Investment PatternActual
Asset Mix
Particulars
Benchmark :
CNX Nifty Index ‐ 90%
CRISIL Liquid Fund Index ‐ 10%
Equity
MM & Others
For Dhan Suraksha, Dhan Suraksha Premium, Prabhat
Tara.
EQUITY FUND - JULY 2015
Equity89.38%
MM & Others10.62%
Asset Allocation (% to AUM)
Wipro Ltd 1.91%
State Bank of India 1.73%
Aditya Birla Nuvo Limited 1.60%
Mahindra & Mahindra Ltd. 1.48%
Lupin Limited 1.44%
Tech Mahindra Limited 1.31%
Power Grid Corporation of India Limited 1.26%
Dr. Reddys Laboratories Ltd. 1.23%
Power Finance Corporation Limited 1.20%
TATA COMMUNICATIONS LTD. 1.06%
Hero Motocorp Ltd. 1.04%
Others (with < 1% exposure) 7.25%
MM & Others 10.62%
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 2.39% 4.27% ‐1.93% 11.86% 23.67% 18.37% 19.40%
22.01%
17.06%
8.47%
8.44%
6.95%
6.32%
6.05%
4.72%
4.38%
2.55%
Financial & Insurance Activities
Computer programming, consultancy and related activities
Manufacture of motor vehicles, trailers and semi‐trailers
Infrastructure
Manufacture of coke and refined petroleum products
Civil engineering
Manufacture of pharmaceuticals,medicinal chemical and botanical products
Other financial activities
Manufacture of chemicals and chemical products
Manufacture of tobacco products
Top 10 Industry Exposure (% to AUM)
Equity89.38%
MM & Others10.62%
Asset Allocation (% to AUM)
9.50
11.00
12.50
14.00
15.50
17.00
18.50
20.00
21.50
23.00
24.50
26.00
27.50
29.00
30.50
32.00
33.50
Feb‐09
May‐09
Aug‐09
Nov‐09
Feb‐10
May‐10
Aug‐10
Nov‐10
Feb‐11
May‐11
Aug‐11
Nov‐11
Feb‐12
May‐12
Aug‐12
Nov‐12
Feb‐13
May‐13
Aug‐13
Nov‐13
Jan‐14
Apr‐14
Jul‐14
Oct‐14
Jan‐15
Apr‐15
Jul‐15
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
NAV Benchmark
Benchmark 1.84% 4.10% ‐2.37% 10.43% 20.73% 16.93% 18.15%
22.01%
17.06%
8.47%
8.44%
6.95%
6.32%
6.05%
4.72%
4.38%
2.55%
Financial & Insurance Activities
Computer programming, consultancy and related activities
Manufacture of motor vehicles, trailers and semi‐trailers
Infrastructure
Manufacture of coke and refined petroleum products
Civil engineering
Manufacture of pharmaceuticals,medicinal chemical and botanical products
Other financial activities
Manufacture of chemicals and chemical products
Manufacture of tobacco products
Top 10 Industry Exposure (% to AUM)
Equity89.38%
MM & Others10.62%
Asset Allocation (% to AUM)
9.50
11.00
12.50
14.00
15.50
17.00
18.50
20.00
21.50
23.00
24.50
26.00
27.50
29.00
30.50
32.00
33.50
Feb‐09
May‐09
Aug‐09
Nov‐09
Feb‐10
May‐10
Aug‐10
Nov‐10
Feb‐11
May‐11
Aug‐11
Nov‐11
Feb‐12
May‐12
Aug‐12
Nov‐12
Feb‐13
May‐13
Aug‐13
Nov‐13
Jan‐14
Apr‐14
Jul‐14
Oct‐14
Jan‐15
Apr‐15
Jul‐15
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
NAV Benchmark
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
January 20, 2010 ULIF 013 20/01/10 SUD‐PA‐EQ1 142
Products : AUM :
Rs. 62.42 Cr
Portfolio % to AUM
`
Equity 92.64% Minimum Maximum
Infosys Technologies Ltd. 7.08% 80% 100% 92.64%
Larsen & Toubro Limited 6.20% 0% 20% 7.36%
ICICI Bank Ltd 5.50%
Reliance Industries Ltd 5.23%
ITC Ltd. 4.82%
IndusInd Bank Limited 4.34%
Tata Motors Limited 4.25%
Tata Consultancy Services Limited 4.07%
Axis Bank Limited 3.73%
Sun Pharmaceuticals Industries Ltd 3.66%
Maruti Suzuki India Limited 3.54%
State Bank of India 3.48%
Grasim Industries Ltd. 3.35%
HDFC Bank Ltd 3.12%
HCL Technologies Ltd 2.44%
Mahindra & Mahindra Ltd. 2.40%
Housing Development Finance Corporation Ltd. 2.29%
Aditya Birla Nuvo Limited 2.22%
Dr. Reddys Laboratories Ltd. 2.17%
INDIVIDUAL PENSION FUND APEX EQUITY - JULY 2015
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 :
CNX Nifty Index ‐ 90%
CRISIL Liquid Fund Index ‐ 10%
Equity92 64%
MM & Others7.36%
Asset Allocation (% to AUM)
Bharti Airtel Limited 2.12%
Wipro Ltd 2.11%
Oil & Natural Gas Corpn Ltd 2.08%
Hindustan Petroleum Corporation Ltd. 1.85%
ASIAN PAINTS LTD. 1.74%
Lupin Limited 1.63%
TATA COMMUNICATIONS LTD. 1.59%
Power Grid Corporation of India Limited 1.46%
Infrastructure Development Finance Company Limited 1.20%
Power Finance Corporation Limited 1.17%Others (with < 1% exposure) 1.80%
MM & Others 7.36%
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 2.63% 4.68% ‐1.66% 10.40% 23.33% 19.15% 10.50%Benchmark 1.84% 4.10% ‐2.37% 10.43% 20.73% 16.93% 9.31%
22.45%
15.70%
10.20%
7.54%
7.46%
7.08%
6.20%
5.09%
4.82%
2.22%
Financial & Insurance Activities
Computer programming, consultancy and related activities
Manufacture of motor vehicles, trailers and semi‐trailers
Infrastructure
Manufacture of pharmaceuticals,medicinal chemical and botanical products
Manufacture of coke and refined petroleum products
Civil engineering
Manufacture of chemicals and chemical products
Manufacture of tobacco products
Manufacture of wearing apparel
Top 10 Industry Exposure ( % to AUM)
Equity92.64%
MM & Others7.36%
Asset Allocation (% to AUM)
9.009.50
10.0010.5011.0011.5012.0012.5013.0013.5014.0014.5015.0015.5016.0016.5017.0017.5018.0018.5019.0019.5020.00
Jan‐10
Apr‐10
Jul‐10
Oct‐10
Jan‐11
Apr‐11
Jul‐11
Oct‐11
Jan‐12
Apr‐12
Jul‐12
Oct‐12
Jan‐13
Apr‐13
Jul‐13
Oct‐13
Jan‐14
Apr‐14
Jul‐14
Oct‐14
Jan‐15
Apr‐15
Jul‐15
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
NAV Benchmark
22.45%
15.70%
10.20%
7.54%
7.46%
7.08%
6.20%
5.09%
4.82%
2.22%
Financial & Insurance Activities
Computer programming, consultancy and related activities
Manufacture of motor vehicles, trailers and semi‐trailers
Infrastructure
Manufacture of pharmaceuticals,medicinal chemical and botanical products
Manufacture of coke and refined petroleum products
Civil engineering
Manufacture of chemicals and chemical products
Manufacture of tobacco products
Manufacture of wearing apparel
Top 10 Industry Exposure ( % to AUM)
Equity92.64%
MM & Others7.36%
Asset Allocation (% to AUM)
9.009.50
10.0010.5011.0011.5012.0012.5013.0013.5014.0014.5015.0015.5016.0016.5017.0017.5018.0018.5019.0019.5020.00
Jan‐10
Apr‐10
Jul‐10
Oct‐10
Jan‐11
Apr‐11
Jul‐11
Oct‐11
Jan‐12
Apr‐12
Jul‐12
Oct‐12
Jan‐13
Apr‐13
Jul‐13
Oct‐13
Jan‐14
Apr‐14
Jul‐14
Oct‐14
Jan‐15
Apr‐15
Jul‐15
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
NAV Benchmark
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
March 31, 2009 ULIF 005 31/03/09 SUD‐PI‐EQ1 142
Products : AUM :
Rs. 31 .00 Cr
Portfolio % to AUM
`
Equity 90.09% Minimum Maximum
Infosys Technologies Ltd. 6.82% 80% 100% 90.09%
Larsen & Toubro Limited 6.48% 0% 20% 9.91%
ICICI Bank Ltd 5.75%
Reliance Industries Ltd 4.37%
Axis Bank Limited 4.34%
HDFC Bank Ltd 4.18%
Tata Consultancy Services Limited 4.14%
Maruti Suzuki India Limited 4.14%
Tata Motors Limited 3.68%
Bharti Airtel Limited 3.26%
Housing Development Finance Corporation Ltd. 3.24%
Grasim Industries Ltd. 3.06%
ITC Ltd. 2.91%
HCL Technologies Ltd 2.85%
Sun Pharmaceuticals Industries Ltd 2.81%
Oil & Natural Gas Corpn Ltd 2.28%
Mahindra & Mahindra Ltd. 2.24%
Yes Bank Limited 2.06%
Hindustan Petroleum Corporation Ltd 1 99%
INDIVIDUAL PENSION FUND EQUITY - JULY 2015
MM & Others
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
ParticularsInvestment Pattern
Actual
Benchmark :
CNX Nifty Index ‐ 90%
CRISIL Liquid Fund Index ‐ 10%
Equity
MM & Others9.91%
Asset Allocation (% to AUM)
Hindustan Petroleum Corporation Ltd. 1.99%
Infrastructure Development Finance Company Limited 1.91%
Aditya Birla Nuvo Limited 1.80%
Power Grid Corporation of India Limited 1.79%
Wipro Ltd 1.71%
State Bank of India 1.67%
Lupin Limited 1.58%
Tech Mahindra Limited 1.34%
Power Finance Corporation Limited 1.19%
TATA COMMUNICATIONS LTD. 1.02%Others (with < 1% exposure) 5.49%
MM & Others 9.91%
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 2.20% 3.82% ‐1.91% 10.78% 23.00% 18.84% 16.81%Benchmark 1.84% 4.10% ‐2.37% 10.43% 20.73% 16.93% 16.93%
21.96%
16.85%
10.06%
9.17%
6.48%
6.36%
5.31%
3.63%
2.91%
2.28%
Financial & Insurance Activities
Computer programming, consultancy and related activities
Manufacture of motor vehicles, trailers and semi‐trailers
Infrastructure
Civil engineering
Manufacture of coke and refined petroleum products
Manufacture of pharmaceuticals,medicinal chemical and botanical products
Manufacture of chemicals and chemical products
Manufacture of tobacco products
Extraction of crude petroleum and natural gas
Top 10 Industry Exposure ( % to AUM)
Equity90.09%
MM & Others9.91%
Asset Allocation (% to AUM)
9.50
11.50
13.50
15.50
17.50
19.50
21.50
23.50
25.50
27.50
29.50
Mar‐09
Jul‐09
Oct‐09
Jan‐10
May‐10
Aug‐10
Nov‐10
Mar‐11
Jun‐11
Sep‐11
Dec‐11
Apr‐12
Jul‐12
Oct‐12
Jan‐13
May‐13
Aug‐13
Nov‐13
Mar‐14
Jun‐14
Sep‐14
Dec‐14
Apr‐15
Jul‐15
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
NAV Benchmark
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
January 29, 2014 ULIF 019 11/12/13 SUD‐LI‐EQ2 142
Products : AUM :
Rs. 85.88 Cr
Portfolio % to AUM
Equity 89.06% Minimum Maximum
Infosys Technologies Ltd. 6.65% 70% 100% 89.06%
ICICI Bank Ltd 5.74% 0% 30% 10.94%
Larsen & Toubro Limited 5.20%
HDFC Bank Ltd 4.43%
Reliance Industries Ltd 4.32%
Tata Consultancy Services Limited 3.75%
Tata Motors Limited 3.71%
Axis Bank Limited 3.56%
ITC Ltd. 2.87%
Oil & Natural Gas Corpn Ltd 2.76%
Housing Development Finance Corporation Ltd. 2.23%
Bharti Airtel Limited 2.13%
Mahindra & Mahindra Ltd. 2.06%
Sun Pharmaceuticals Industries Ltd 2.03%
HCL Technologies Ltd 1.88%
Zee Entertainment Enterprises Ltd 1.88%
Tech Mahindra Limited 1.80%
Bharat Electronics Ltd 1.69%
Grasim Industries Ltd. 1.65%
State Bank of India 1.64%
Ultratech Cement Ltd 1 59%
INDIVIDUAL BLUE CHIP EQUITY - JULY 2015
MM & Others
Asset Mix
ParticularsInvestment Pattern
Actual
Equity
For Dhan Suraksha Plus & Wealth Builder Plan
The fund seeks to achieve long term capital appreciation by investing predominantly in equity and equity
related securities.
Benchmark :
CNX Nifty Index ‐ 85%
CRISIL Liquid Fund Index ‐ 15%
MM & Others10.94%
Asset Allocation (% to AUM)
Ultratech Cement Ltd. 1.59%
Maruti Suzuki India Limited 1.56%
Aditya Birla Nuvo Limited 1.41%
Dr. Reddys Laboratories Ltd. 1.40%
Colgate Palmolive (India) Ltd 1.40%
Infrastructure Development Finance Company Limited 1.36%
Tata Chemicals Ltd. 1.28%
Yes Bank Limited 1.16%
Bharat Petroleum Corpn. Ltd 1.15%
Bajaj Auto Limited 1.10%
Wipro Ltd 1.09%
Power Grid Corporation of India Limited 1.08%
Hero Motocorp Ltd. 1.03%Others (with < 1% exposure) 10.43%
MM & Others 10.94%
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 2.88% 5.51% ‐0.30% 10.56% ‐ ‐ 23.36%Benchmark 1.78% 4.00% ‐2.00% 10.38% ‐ ‐ 22.42%
22.37%
15.18%
7.34%
6.99%
6.01%
5.20%
5.13%
4.99%
4.69%
3.38%
Financial & Insurance Activities
Computer programming, consultancy and related activities
Manufacture of motor vehicles, trailers and semi‐trailers
Infrastructure
Manufacture of coke and refined petroleum products
Civil engineering
Manufacture of chemicals and chemical products
Manufacture of pharmaceuticals,medicinal chemical and botanical products
Other financial activities
Extraction of crude petroleum and natural gas
Top 10 Industry Exposure ( % to AUM)
Equity89.06%
MM & Others10.94%
Asset Allocation (% to AUM)
9.50
10.00
10.50
11.00
11.50
12.00
12.50
13.00
13.50
14.00
14.50
Jan‐14
Feb‐14
Mar‐ …
Apr‐14
May‐ …
Jun‐14
Jul‐14
Aug‐…
Sep‐14
Oct‐14
Nov‐…
Dec‐…
Jan‐15
Feb‐15
Mar‐ …
Apr‐15
May‐ …
Jun‐15
Jul‐15
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
NAV Benhmark
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
January 20, 2010 ULIF 010 20/01/10 SUD‐LA‐GR1 142
Products : AUM :
Rs. 719.18 Cr
Portfolio % to AUM
`
Equity 69.38% Minimum Maximum
ICICI Bank Ltd 4.49% 55% 85% 69.38%
Larsen & Toubro Limited 4.37% 15% 45% 30.62%
Infosys Technologies Ltd. 4.35%
Axis Bank Limited 4.27%
Reliance Industries Ltd 3.31%
HDFC Bank Ltd 2.84%
Tata Consultancy Services Limited 2.56%
State Bank of India 2.50%
Bharti Airtel Limited 2.18%
Housing Development Finance Corporation Ltd. 2.13%
IndusInd Bank Limited 2.11%
Mahindra & Mahindra Ltd. 2.07%
ITC Ltd. 1.99%
Maruti Suzuki India Limited 1.94%
Oil & Natural Gas Corpn Ltd 1.94%
Hindustan Petroleum Corporation Ltd. 1.86%
HCL Technologies Ltd 1.79%
Aditya Birla Nuvo Limited 1.77%
Sun Pharmaceuticals Industries Ltd 1.71%
Tech Mahindra Limited 1.69%
Tata Motors Limited 1.63%
Power Grid Corporation of India Limited 1.62%
APEX GROWTH FUND - JULY 2015
Equity
Debt, MM & Others
To aim for medium to long term capital appreciation by maintaining a diversified portfolio of equity and equity
related instruments and fair exposure to high credit quality portfolio of debt and money market instruments.
Investment PatternActual
Asset Mix
Particulars
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 ‐ 70%
CRISIL Composite Bond Index ‐ 30%
Debt27.46%
Equity69.38%
MM & Others3.16%
Asset Allocation (% to AUM)
AAA43.41%Gilts
44.16%
Debt Rating Profile (% of Debt)
Wipro Ltd 1.59%
Yes Bank Limited 1.45%
Grasim Industries Ltd. 1.28%
Lupin Limited 1.02%
Others (with < 1% exposure) 8.92%
Debt 27.46%
Gilts & SDL 12.13%
GOI 10.74%
SDL (with < 1% exposure) 1.38%
Corporate Bonds 15.34%
RURAL ELECTRIFICATION CORPORATION L 2.18%
POWER GRID CORPORATION OF INDIA LTD 1.88%
POWER FINANCE CORPORATION LTD. 1.86%
Others (with < 1% exposure) 9.41%
MM & Others 3.16%
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 2.49% 3.97% ‐0.53% 11.81% 21.49% 16.98% 10.28%Benchmark 1.77% 3.55% ‐1.23% 11.08% 18.73% 15.26% 9.17%
22.41%
13.44%
11.98%
6.97%
5.64%
4.59%
3.70%
3.09%
2.09%
1.99%
Financial & Insurance Activities
Infrastructure
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
Manufacture of chemicals and chemical products
Extraction of crude petroleum and natural gas
Manufacture of tobacco products
Top 10 Industry Exposure ( % to AUM)
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
2.54%
11.51%11.97%
44.78%
29.21%
Debt Maturity Profile ( % of Debt)
Debt27.46%
Equity69.38%
MM & Others3.16%
Asset Allocation (% to AUM)
AAA43.41%
AA+9.45%
AA1.96%
AA‐1.02%
Gilts44.16%
Debt Rating Profile (% of Debt)
Modified Duration ‐ 4.80 yrs
9.50
10.50
11.50
12.50
13.50
14.50
15.50
16.50
17.50
18.50
Jan‐10
Apr‐10
Jul‐10
Oct‐10
Jan‐11
Apr‐11
Jul‐11
Oct‐11
Jan‐12
Apr‐12
Jul‐12
Oct‐12
Jan‐13
Apr‐13
Jul‐13
Oct‐13
Jan‐14
Apr‐14
Jul‐14
Oct‐14
Jan‐15
Apr‐15
Jul‐15
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
NAV Benchmark
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
February 25, 2009 ULIF 003 25/02/09 SUD‐LI‐GR1 142
Products : AUM:
Rs. 143.79 Cr
Portfolio % to AUM
`
Equity 70.99% Minimum Maximum
Infosys Technologies Ltd. 5.81% 40% 100% 70.99%
Larsen & Toubro Limited 4.38% 0% 60% 29.01%
ICICI Bank Ltd 4.04%
Axis Bank Limited 4.03%
HDFC Bank Ltd 3.97%
Reliance Industries Ltd 3.44%
Housing Development Finance Corporation Ltd. 2.99%
Tata Consultancy Services Limited 2.91%
Tata Motors Limited 2.49%
ITC Ltd. 2.18%
IndusInd Bank Limited 2.14%
State Bank of India 1.94%
Hindustan Petroleum Corporation Ltd. 1.93%
Grasim Industries Ltd. 1.92%
Mahindra & Mahindra Ltd. 1.90%
Sun Pharmaceuticals Industries Ltd 1.87%
Oil & Natural Gas Corpn Ltd 1.79%
Maruti Suzuki India Limited 1.78%
HCL Technologies Ltd 1.77%
Lupin Limited 1.51%
Bh ti Ai t l Li it d 1 49%
Equity
Debt, MM & Others
To aim for medium to long term capital appreciation by maintaining a diversified portfolio of equity and equity
related instruments and fair exposure to high credit quality portfolio of debt and money market instruments.
Investment PatternActual
Asset Mix
Particulars
For Dhan Suraksha, Dhan Suraksha Premium, Prabhat
Tara & Dhan Suraksha Express.
Benchmark :
CNX Nifty Index ‐ 70%
CRISIL Composite Bond Index ‐ 30%
GROWTH FUND - JULY 2015
AAA40.11%
Gilts
Debt Rating Profile (% of Debt)
Debt24.23%
Equity70.99%
MM & Others4.78%
Asset Allocation (% to AUM)
Bharti Airtel Limited 1.49%
Tech Mahindra Limited 1.41%
Yes Bank Limited 1.38%
Power Grid Corporation of India Limited 1.37%
Aditya Birla Nuvo Limited 1.16%
Others (with < 1% exposure) 9.38%
Debt 24.23%
Gilts & SDL 12.39%
GOI 10.96%
SDL MAHARASHTRA 1.13%
SDL (with < 1% exposure) 0.30%
Corporate Bonds 11.85%
STEEL AUTHORITY OF INDIA LTD. 2.29%
RELIANCE PORTS & TERMINALS LTD. 1.51%
POWER FINANCE CORPORATION LTD. 1.45%
THE INDIAN HOTELS COMPANY LTD. 1.41%
Others (with < 1% exposure) 5.18%
MM & Others 4.78%
Total 100.00%
`
22.41%
12.69%
9.22%
6.60%
6.16%
4.85%
4.74%
3.47%
2.56%
2 18%
Financial & Insurance Activities
Computer programming, consultancy and related activities
Infrastructure
Manufacture of coke and refined petroleum products
Manufacture of motor vehicles, trailers and semi‐trailers
Manufacture of pharmaceuticals,medicinal chemical and botanical products
Civil engineering
Manufacture of Basic Metals
Manufacture of chemicals and chemical products
M f t f t b d t
Top 10 Industry Exposure ( % to AUM)< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
1.44%
11.41%13.39%
47.63%
26.13%
Debt Maturity Profile ( % of Debt)
AAA40.11%
AA8.77%
Gilts51.12%
Debt Rating Profile (% of Debt)
9.0010.5012.0013.5015.0016.5018.0019.5021.0022.5024.0025.5027.0028.5030.00
Feb‐09
Jun‐09
Sep‐09
Dec‐09
Apr‐10
Jul‐10
Oct‐10
Feb‐11
May‐11
Aug‐11
Dec‐11
Mar‐12
Jun‐12
Sep‐12
Jan‐13
Apr‐13
Jul‐13
Nov‐13
Feb‐14
May‐14
Sep‐14
Dec‐14
Mar‐15
Jul‐15
NAV/U
NIT (R
s)
NAV Performance (Since Inception)NAV Benchmark
Debt24.23%
Equity70.99%
MM & Others4.78%
Asset Allocation (% to AUM)
Modified Duration ‐ 4.51 yrs
Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionGrowth Fund 2.54% 3.96% ‐0.65% 12.89% 21.75% 17.22% 17.88%Benchmark 1.77% 3.55% ‐1.23% 11.08% 18.73% 15.26% 15.99%
22.41%
12.69%
9.22%
6.60%
6.16%
4.85%
4.74%
3.47%
2.56%
2.18%
Financial & Insurance Activities
Computer programming, consultancy and related activities
Infrastructure
Manufacture of coke and refined petroleum products
Manufacture of motor vehicles, trailers and semi‐trailers
Manufacture of pharmaceuticals,medicinal chemical and botanical products
Civil engineering
Manufacture of Basic Metals
Manufacture of chemicals and chemical products
Manufacture of tobacco products
Top 10 Industry Exposure ( % to AUM)< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
1.44%
11.41%13.39%
47.63%
26.13%
Debt Maturity Profile ( % of Debt)
AAA40.11%
AA8.77%
Gilts51.12%
Debt Rating Profile (% of Debt)
9.0010.5012.0013.5015.0016.5018.0019.5021.0022.5024.0025.5027.0028.5030.00
Feb‐09
Jun‐09
Sep‐09
Dec‐09
Apr‐10
Jul‐10
Oct‐10
Feb‐11
May‐11
Aug‐11
Dec‐11
Mar‐12
Jun‐12
Sep‐12
Jan‐13
Apr‐13
Jul‐13
Nov‐13
Feb‐14
May‐14
Sep‐14
Dec‐14
Mar‐15
Jul‐15
NAV/U
NIT (R
s)
NAV Performance (Since Inception)NAV Benchmark
Debt24.23%
Equity70.99%
MM & Others4.78%
Asset Allocation (% to AUM)
Modified Duration ‐ 4.51 yrs
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
January 20, 2010 ULIF 014 20/01/10 SUD‐PA‐GR1 142
Products : AUM :
Rs. 66.68 Cr
Portfolio % to AUM
`
Equity 71.44% Minimum Maximum
Infosys Technologies Ltd. 5.44% 55% 85% 71.44%
Larsen & Toubro Limited 4.58% 15% 45% 28.56%
ICICI Bank Ltd 4.18%
Tata Consultancy Services Limited 4.04%
Axis Bank Limited 3.70%
Reliance Industries Ltd 3.48%
HDFC Bank Ltd 3.30%
Tata Motors Limited 2.79%
Housing Development Finance Corporation Ltd. 2.60%
Oil & Natural Gas Corpn Ltd 2.56%
ITC Ltd. 2.50%
Bharti Airtel Limited 2.36%
Mahindra & Mahindra Ltd. 2.35%
Sun Pharmaceuticals Industries Ltd 2.28%
State Bank of India 2.21%
Power Grid Corporation of India Limited 2.15%
Grasim Industries Ltd. 2.03%
Aditya Birla Nuvo Limited 2.01%
Hindustan Petroleum Corporation Ltd. 2.00%
Yes Bank Limited 1 86%
INDIVIDUAL PENSION FUND APEX GROWTH - JULY 2015
Equity
For New Dhruv Tara Products
Debt, MM & Others
To seek consistent growth over medium to long term by focusing predominantly on well
established companies through investments primarily in equity and equity‐related instruments
and fair exposure to high credit quality portfolio of debt and money market instruments.
Asset Mix
ParticularsInvestment Pattern
Actual
Benchmark :
CNX Nifty Index ‐ 70%
CRISIL Composite Bond Index ‐ 30%
Debt24.85%
Equity71.44%
MM & Others3.70%
Asset Allocation (% to AUM)
Gilts26.31%
Debt Rating Profile (% of Debt)
Yes Bank Limited 1.86%
Tech Mahindra Limited 1.86%
Maruti Suzuki India Limited 1.69%
Lupin Limited 1.62%
IndusInd Bank Limited 1.60%
Wipro Ltd 1.54%
HCL Technologies Ltd 1.49%
Others (with < 1% exposure) 3.22%
Debt 24.85%
Gilts & SDL 6.54%
GOI 5.00%
SDL ‐ TAMIL NADU 1.54%SDL (with < 1% exposure) 0.00%
Corporate Bonds 18.32%
RELIANCE PORTS & TERMINALS LTD. 4.90%
TATA SONS LTD. 1.98%
LIC HOUSING FINANCE LTD 1.83%
LARSEN & TOUBRO LTD. 1.52%
RELIANCE INDUSTRIES LTD 1.52%
STEEL AUTHORITY OF INDIA LTD. 1.52%
POWER GRID CORPORATION OF INDIA LTD 1.13%Others (with < 1% exposure) 3.92%
MM & Others 3.70%
Total 100.00%
`
22.97%
14.65%
14.37%
7.00%
6.83%
6.10%
3.90%
3.01%
2.56%
2.50%
Financial & Insurance Activities
Infrastructure
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
Manufacture of Basic Metals
Extraction of crude petroleum and natural gas
Manufacture of tobacco products
Top 10 Industry Exposure ( % to AUM)
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
3.04%
10.75%
23.23%
55.36%
7.61%
Debt Maturity Profile ( % of Debt)
Debt24.85%
Equity71.44%
MM & Others3.70%
Asset Allocation (% to AUM)
AAA70.61%
AA3.09%
Gilts26.31%
Debt Rating Profile (% of Debt)
9.00
10.50
12.00
13.50
15.00
16.50
18.00
19.50
21.00
22.50
Jan‐10
Apr‐10
Jul‐10
Oct‐10
Jan‐11
Apr‐11
Jul‐11
Oct‐11
Jan‐12
Apr‐12
Jul‐12
Oct‐12
Jan‐13
Apr‐13
Jul‐13
Oct‐13
Jan‐14
Apr‐14
Jul‐14
Oct‐14
Jan‐15
Apr‐15
Jul‐15
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
NAV Benchmark
Modified Duration ‐ 3.60 yrs
Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionIndividual Pension Fund ‐ Apex Growth 1.86% 3.21% ‐1.23% 10.60% 20.33% 17.12% 9.88%Benchmark 1.77% 3.55% ‐1.23% 11.08% 18.73% 15.26% 9.17%
22.97%
14.65%
14.37%
7.00%
6.83%
6.10%
3.90%
3.01%
2.56%
2.50%
Financial & Insurance Activities
Infrastructure
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
Manufacture of Basic Metals
Extraction of crude petroleum and natural gas
Manufacture of tobacco products
Top 10 Industry Exposure ( % to AUM)
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
3.04%
10.75%
23.23%
55.36%
7.61%
Debt Maturity Profile ( % of Debt)
Debt24.85%
Equity71.44%
MM & Others3.70%
Asset Allocation (% to AUM)
AAA70.61%
AA3.09%
Gilts26.31%
Debt Rating Profile (% of Debt)
9.00
10.50
12.00
13.50
15.00
16.50
18.00
19.50
21.00
22.50
Jan‐10
Apr‐10
Jul‐10
Oct‐10
Jan‐11
Apr‐11
Jul‐11
Oct‐11
Jan‐12
Apr‐12
Jul‐12
Oct‐12
Jan‐13
Apr‐13
Jul‐13
Oct‐13
Jan‐14
Apr‐14
Jul‐14
Oct‐14
Jan‐15
Apr‐15
Jul‐15
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
NAV Benchmark
Modified Duration ‐ 3.60 yrs
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
March 31, 2009 ULIF 006 31/03/09 SUD‐PI‐GR1 142
Products : AUM :
Rs. 30.11 Cr
Portfolio % to AUM
`
Equity 72.69% Minimum Maximum
Infosys Technologies Ltd. 6.36% 40% 100% 72.69%
Larsen & Toubro Limited 5.77% 0% 60% 27.31%
ICICI Bank Ltd 4.97%
HDFC Bank Ltd 4.87%
Housing Development Finance Corporation Ltd. 4.47%
Axis Bank Limited 3.62%
Oil & Natural Gas Corpn Ltd 3.54%
ITC Ltd. 3.47%
Tata Consultancy Services Limited 3.09%
Sun Pharmaceuticals Industries Ltd 2.98%
Maruti Suzuki India Limited 2.88%
Grasim Industries Ltd. 2.63%
State Bank of India 2.55%
Reliance Industries Ltd 2.48%
HCL Technologies Ltd 2.44%
Tata Motors Limited 2.24%
Power Grid Corporation of India Limited 2.12%
IndusInd Bank Limited 2.09%
Bharti Airtel Limited 2.08%
Hero Motocorp Ltd. 1.86%
Bharat Petroleum Corpn. Ltd 1.69%
Mahindra & Mahindra Ltd. 1.35%
Dr. Reddys Laboratories Ltd. 1.22%
Others (with < 1% exposure) 1.90%
Equity
Debt, MM & Others
ParticularsInvestment Pattern
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
For Dhruv Tara Products
Benchmark :
CNX Nifty Index ‐ 70%
CRISIL Composite Bond Index ‐ 30%
INDIVIDUAL PENSION FUND GROWTH - JULY 2015
Gilts27 23%
Debt Rating Profile (% of Debt)
Debt24.47%
Equity72.69%
MM & Others2.84%
Asset Allocation (% to AUM)
Debt 24.47%
Gilts & SDL 6.66%GOI 4.03%
SDL ‐ KERALA 1.76%
SDL (with < 1% exposure) 0.87%
Corporate Bonds 17.81%INDIAN OIL CORPORATION LTD 4.24%
THE GREAT EASTERN SHIPPING CO. LTD. 4.16%
THE INDIAN HOTELS COMPANY LTD. 3.38%
RURAL ELECTRIFICATION CORPORATION L 1.68%
MRF LTD. 1.67%
RELIANCE GAS TRANSPORTN INFRA LTD. 1.07%
RELIANCE INDUSTRIES LTD 1.01%Others (with < 1% exposure) 1.61%
MM & Others 2.84%
Total 100.00%
`
22.84%
12.08%
10.03%
7.54%
6.47%
5.77%
4.20%
4.16%
3.54%
3.47%
Financial & Insurance Activities
Computer programming, consultancy and related activities
Manufacture of coke and refined petroleum products
Infrastructure
Manufacture of motor vehicles, trailers and semi‐trailers
Civil engineering
Manufacture of pharmaceuticals,medicinal chemical and botanical products
Water transport
Extraction of crude petroleum and natural gas
Manufacture of tobacco products
Top 10 Industry Exposure ( % to AUM)
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
6.81%
24.83%
40.06%
14.93% 13.38%
Debt Maturity Profile ( % of Debt)
AAA58.97%
AA13.80%
Gilts27.23%
Debt Rating Profile (% of Debt)
9.00
10.50
12.00
13.50
15.00
16.50
18.00
19.50
21.00
22.50
24.00
Mar‐09
Jul‐09
Oct‐09
Jan‐10
Apr‐10
Jul‐10
Oct‐10
Feb‐11
May‐11
Aug‐11
Nov‐11
Feb‐12
May‐12
Aug‐12
Dec‐12
Mar‐13
Jun‐13
Sep‐13
Dec‐13
Mar‐14
Jul‐14
Oct‐14
Jan‐15
Apr‐15
Jul‐15
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
NAV Benhmark
Debt24.47%
Equity72.69%
MM & Others2.84%
Asset Allocation (% to AUM)
Modified Duration ‐ 3.00 yrs
Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionIndividual Pension Fund ‐ Growth 2.04% 4.11% ‐0.55% 9.16% 19.29% 15.76% 14.34%Benchmark 1.77% 3.55% ‐1.23% 11.08% 18.73% 15.26% 15.07%
22.84%
12.08%
10.03%
7.54%
6.47%
5.77%
4.20%
4.16%
3.54%
3.47%
Financial & Insurance Activities
Computer programming, consultancy and related activities
Manufacture of coke and refined petroleum products
Infrastructure
Manufacture of motor vehicles, trailers and semi‐trailers
Civil engineering
Manufacture of pharmaceuticals,medicinal chemical and botanical products
Water transport
Extraction of crude petroleum and natural gas
Manufacture of tobacco products
Top 10 Industry Exposure ( % to AUM)
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
6.81%
24.83%
40.06%
14.93% 13.38%
Debt Maturity Profile ( % of Debt)
AAA58.97%
AA13.80%
Gilts27.23%
Debt Rating Profile (% of Debt)
9.00
10.50
12.00
13.50
15.00
16.50
18.00
19.50
21.00
22.50
24.00
Mar‐09
Jul‐09
Oct‐09
Jan‐10
Apr‐10
Jul‐10
Oct‐10
Feb‐11
May‐11
Aug‐11
Nov‐11
Feb‐12
May‐12
Aug‐12
Dec‐12
Mar‐13
Jun‐13
Sep‐13
Dec‐13
Mar‐14
Jul‐14
Oct‐14
Jan‐15
Apr‐15
Jul‐15
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
NAV Benhmark
Debt24.47%
Equity72.69%
MM & Others2.84%
Asset Allocation (% to AUM)
Modified Duration ‐ 3.00 yrs
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
January 29, 2014 ULIF 023 11/12/13 SUD‐LI‐GR2 142
Products : AUM:
Rs. 92.92 Cr
Portfolio % to AUM
`
Equity 70.19% Minimum Maximum
Infosys Technologies Ltd. 4.68% 40% 100% 70.19%
ICICI Bank Ltd 3.79% 0% 60% 25.95%
Larsen & Toubro Limited 3.21% 0% 30% 3.85%
Reliance Industries Ltd 3.19%
Axis Bank Limited 3.10%
State Bank of India 3.01%
Tata Consultancy Services Limited 2.47%
Housing Development Finance Corporation Ltd. 2.44%
Maruti Suzuki India Limited 2.42%
IndusInd Bank Limited 2.34%
HDFC Bank Ltd 2.17%
Tata Motors Limited 2.05%
ITC Ltd. 1.81%
Dr. Reddys Laboratories Ltd. 1.67%
Zee Entertainment Enterprises Ltd 1.63%
Oil & Natural Gas Corpn Ltd 1.63%
Wipro Ltd 1.54%
Hindustan Petroleum Corporation Ltd. 1.54%
Hero Motocorp Ltd. 1.50%
Bharat Petroleum Corpn. Ltd 1.50%
Aditya Birla Nuvo Limited 1.30%
Bharti Airtel Limited 1.30%
Sun Pharmaceuticals Industries Ltd 1.28%
MM & Others
Equity
Debt
CNX Nifty Index ‐ 70%
CRISIL Composite Bond Index ‐ 30%
For Dhan Suraksha Plus & Wealth Builder Plan.
Asset Mix
ParticularsInvestment Pattern
Actual
Benchmark :
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.
GROWTH PLUS FUND - JULY 2015
AAA27.75%
Debt Rating Profile (% of Debt)
Debt25.95%
Equity70.19%
MM & Others3.85%
Asset Allocation (% to AUM)
HCL Technologies Ltd 1.20%
Grasim Industries Ltd. 1.19%
Mahindra & Mahindra Ltd. 1.17%
ACC Limited 1.16%
Ultratech Cement Ltd. 1.12%
Lupin Limited 1.11%
Power Finance Corporation Limited 1.10%
Others (with < 1% exposure) 10.55%
Debt 25.95%
Gilts & SDL 16.55%
GOI 16.26%
SDL (with < 1% exposure) 0.29%
Corporate Bonds 9.40%
HDFC LTD. 3.12%
RURAL ELECTRIFICATION CORPORATION L 1.61%
RELIANCE PORTS & TERMINALS LTD. 1.17%
SHRIRAM TRANSPORT FINANCE CO. LTD. 1.10%
POWER FINANCE CORPORATION LTD. 1.08%
Others (with < 1% exposure) 1.31%
MM & Others 3.85%
Total 100.00%
`
20.10%
10.71%
9.28%
6.44%
5.65%
4.06%
3.67%
3.37%
3.21%
3.21%
Financial & Insurance Activities
Computer programming, consultancy and related activities
Infrastructure
Manufacture of coke and refined petroleum products
Manufacture of motor vehicles, trailers and semi‐trailers
Manufacture of pharmaceuticals,medicinal chemical and botanical products
Housing Sector
Manufacture of chemicals and chemical products
Civil engineering
Civil engineering
Top 10 Industry Exposure ( % to AUM)
1‐3 years 3‐5 years 5‐10 years > 10 years
9.33% 10.58%
56.51%
23.58%
Debt Maturity Profile ( % of Debt)
Modified Duration ‐ 4.99 yrs
AAA27.75%
AA+8.46%
Gilts63.79%
Debt Rating Profile (% of Debt)
9.50
10.00
10.50
11.00
11.50
12.00
12.50
13.00
13.50
14.00
Jan‐14
Mar‐14
Apr‐14
May‐ …
Jun‐14
Jul‐14
Aug‐14
Sep‐14
Oct‐14
Nov‐14
Dec‐14
Jan‐15
Feb‐15
Mar‐15
Apr‐15
May‐ …
Jun‐15
Jul‐15
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
NAV Benchmark
Debt25.95%
Equity70.19%
MM & Others3.85%
Asset Allocation (% to AUM)
Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionGrowth Plus Fund 3.13% 5.15% 0.16% 10.60% ‐ ‐ 21.53%
Benchmark 1.77% 3.55% ‐1.23% 11.08% ‐ ‐ 21.05%
IN/LIFE/UL/GRO PLUS 1 2 3 4 7 8 6
20.10%
10.71%
9.28%
6.44%
5.65%
4.06%
3.67%
3.37%
3.21%
3.21%
Financial & Insurance Activities
Computer programming, consultancy and related activities
Infrastructure
Manufacture of coke and refined petroleum products
Manufacture of motor vehicles, trailers and semi‐trailers
Manufacture of pharmaceuticals,medicinal chemical and botanical products
Housing Sector
Manufacture of chemicals and chemical products
Civil engineering
Civil engineering
Top 10 Industry Exposure ( % to AUM)
1‐3 years 3‐5 years 5‐10 years > 10 years
9.33% 10.58%
56.51%
23.58%
Debt Maturity Profile ( % of Debt)
Modified Duration ‐ 4.99 yrs
AAA27.75%
AA+8.46%
Gilts63.79%
Debt Rating Profile (% of Debt)
9.50
10.00
10.50
11.00
11.50
12.00
12.50
13.00
13.50
14.00
Jan‐14
Mar‐14
Apr‐14
May‐ …
Jun‐14
Jul‐14
Aug‐14
Sep‐14
Oct‐14
Nov‐14
Dec‐14
Jan‐15
Feb‐15
Mar‐15
Apr‐15
May‐ …
Jun‐15
Jul‐15
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
NAV Benchmark
Debt25.95%
Equity70.19%
MM & Others3.85%
Asset Allocation (% to AUM)
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
January 20, 2010 ULIF 011 20/01/10 SUD‐LA‐BL1 142
Products : AUM :
Rs. 498.24 Cr
Portfolio % to AUM
`
Equity 49.05% Minimum Maximum
Infosys Technologies Ltd. 3.35% 35% 65% 49.05%
Larsen & Toubro Limited 3.32% 35% 65% 50.95%
ICICI Bank Ltd 3.02%
Axis Bank Limited 3.00%
HDFC Bank Ltd 2.71%
Reliance Industries Ltd 2.57%
Bharti Airtel Limited 1.78%
Tata Consultancy Services Limited 1.74%
ITC Ltd. 1.54%
Housing Development Finance Corporation Ltd. 1.47%
Tata Motors Limited 1.44%
State Bank of India 1.44%
Grasim Industries Ltd. 1.36%
Oil & Natural Gas Corpn Ltd 1.31%
Mahindra & Mahindra Ltd. 1.30%
HCL Technologies Ltd 1.29%
Sun Pharmaceuticals Industries Ltd 1.25%
IndusInd Bank Limited 1.21%
Lupin Limited 1.10%
Wipro Ltd 1.08%
Yes Bank Limited 1.02%
Others (with < 1% exposure) 10.75%
APEX BALANCED FUND - JULY 2015
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 :
CNX Nifty Index ‐ 50%
CRISIL Composite Bond Index ‐ 50%
Investment PatternActual
Asset Mix
Particulars
Debt46.40%
Equity49.05%
MM & Others4.54%
Asset Allocation( % to AUM)
AAA39.65%Gilts
Debt Rating Profile (% of Debt)
Debt 46.40%
Gilts & SDL 20.89%
GOI 15.68%
SDL ‐ TAMIL NADU 2.89%
SDL GUJARAT 1.07%
SDL (with < 1% exposure) 1.25%
Corporate Bonds 25.52%
POWER FINANCE CORPORATION LTD. 3.53%
POWER GRID CORPORATION OF INDIA LTD 2.88%
LIC HOUSING FINANCE LTD 1.86%
RURAL ELECTRIFICATION CORPORATION L 1.43%
RELIANCE PORTS & TERMINALS LTD. 1.31%
HDFC LTD. 1.25%
HINDALCO INDUSTRIES LTD. 1.13%
UNITED PHOSPHORUS LTD. 1.05%
HINDUSTAN PETROLEUM CORPORATION LTD 1.02%
RAYMOND LTD. 1.01%
Others (with < 1% exposure) 9.05%
MM & Others 4.54%
Total 100.00%
`
19.76%
14.44%
8.43%
5.61%
3.98%
3.72%
3.12%
3.11%
2.81%
2.09%
Financial & Insurance Activities
Infrastructure
Computer programming, consultancy and related activities
Manufacture of coke and refined petroleum products
Civil engineering
Manufacture of motor vehicles, trailers and semi‐trailers
Manufacture of pharmaceuticals,medicinal chemical and botanical products
Housing Sector
Manufacture of chemicals and chemical products
Other financial activities
Top 10 Industry Exposure ( % to AUM)
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
3.69%
11.24% 12.45%
47.69%
24.94%
Debt Maturity Profile ( % of Debt)
Debt46.40%
Equity49.05%
MM & Others4.54%
Asset Allocation( % to AUM)
AAA39.65%
AA+9.86%
AA3.31%
AA‐2.17%
Gilts45.01%
Debt Rating Profile (% of Debt)
9.00
10.00
11.00
12.00
13.00
14.00
15.00
16.00
17.00
18.00
Jan‐10
Apr‐10
Jul‐10
Oct‐10
Jan‐11
Apr‐11
Jul‐11
Oct‐11
Jan‐12
Apr‐12
Jul‐12
Oct‐12
Jan‐13
Apr‐13
Jul‐13
Oct‐13
Jan‐14
Apr‐14
Jul‐14
Oct‐14
Jan‐15
Apr‐15
Jul‐15
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
NAV Benchmark
Modified Duration ‐ 4.58 yrs
Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionApex Balanced Fund 1.85% 3.14% 0.43% 12.21% 18.02% 14.60% 9.75%Benchmark 1.63% 3.03% 0.02% 11.35% 16.53% 13.52% 8.94%
19.76%
14.44%
8.43%
5.61%
3.98%
3.72%
3.12%
3.11%
2.81%
2.09%
Financial & Insurance Activities
Infrastructure
Computer programming, consultancy and related activities
Manufacture of coke and refined petroleum products
Civil engineering
Manufacture of motor vehicles, trailers and semi‐trailers
Manufacture of pharmaceuticals,medicinal chemical and botanical products
Housing Sector
Manufacture of chemicals and chemical products
Other financial activities
Top 10 Industry Exposure ( % to AUM)
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
3.69%
11.24% 12.45%
47.69%
24.94%
Debt Maturity Profile ( % of Debt)
Debt46.40%
Equity49.05%
MM & Others4.54%
Asset Allocation( % to AUM)
AAA39.65%
AA+9.86%
AA3.31%
AA‐2.17%
Gilts45.01%
Debt Rating Profile (% of Debt)
9.00
10.00
11.00
12.00
13.00
14.00
15.00
16.00
17.00
18.00
Jan‐10
Apr‐10
Jul‐10
Oct‐10
Jan‐11
Apr‐11
Jul‐11
Oct‐11
Jan‐12
Apr‐12
Jul‐12
Oct‐12
Jan‐13
Apr‐13
Jul‐13
Oct‐13
Jan‐14
Apr‐14
Jul‐14
Oct‐14
Jan‐15
Apr‐15
Jul‐15
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
NAV Benchmark
Modified Duration ‐ 4.58 yrs
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
February 18, 2009 ULIF 001 18/02/09 SUD‐LI‐BL1 142
Products : AUM :
Rs. 30.64 Cr
Portfolio % to AUM
`
Equity 31.81% Minimum Maximum
Infosys Technologies Ltd. 2.55% 0% 60% 31.81%
ICICI Bank Ltd 2.40% 40% 100% 68.19%
Larsen & Toubro Limited 2.27%
Axis Bank Limited 2.15%
Housing Development Finance Corporation Ltd. 1.94%
Tata Motors Limited 1.86%
HDFC Bank Ltd 1.81%
Reliance Industries Ltd 1.61%
Tata Consultancy Services Limited 1.56%
State Bank of India 1.55%
Mahindra & Mahindra Ltd. 1.23%Oil & Natural Gas Corpn Ltd 1.16%Maruti Suzuki India Limited 1.13%ITC Ltd. 1.11%Lupin Limited 1.11%Bharti Airtel Limited 1.03%Others (with < 1% exposure) 5.35%
Debt 61.86%
Gilts & SDL 22.47%
GOI 20.70%
SDL MAHARASHTRA 1 77%
BALANCED FUND - JULY 2015
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.
Investment PatternActual
Asset Mix
Particulars
For Dhan Suraksha, Dhan Suraksha Premium, Prabhat
Tara.
Benchmark :
CNX Nifty Index ‐ 30%
CRISIL Composite Bond Index ‐ 70%
Debt61.86%
Equity31.81%
MM & Others6.33%
Asset Allocation (% to AUM)
Debt Rating Profile (% of Debt)
SDL MAHARASHTRA 1.77%
SDL (with < 1% exposure) 0.00%
Corporate Bonds 39.39%
THE GREAT EASTERN SHIPPING CO. LTD. 5.11%THE INDIAN HOTELS COMPANY LTD. 4.98%INDIAN OIL CORPORATION LTD 4.80%
RURAL ELECTRIFICATION CORPORATION L 3.96%
STEEL AUTHORITY OF INDIA LTD. 3.96%
RAYMOND LTD. 3.28%
LARSEN & TOUBRO LTD. 2.68%
LIC HOUSING FINANCE LTD 2.33%
HDB FINANCIAL SERVICES LTD 1.67%
POWER GRID CORPORATION OF INDIA LTD 1.64%
TATA SONS LTD. 1.31%
RELIANCE PORTS & TERMINALS LTD. 1.07%
POWER FINANCE CORPORATION LTD. 1.05%
IRFC LTD. 1.05%
Others (with < 1% exposure) 0.52%
MM & Others 6.33%
Total 100.00%
`
Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since Inception
14.22%
10.89%
6.40%
5.11%
4.98%
4.95%
4.85%
4.23%
3.96%
3.28%
Financial & Insurance Activities
Infrastructure
Manufacture of coke and refined petroleum products
Water transport
Accommodation
Civil engineering
Computer programming, consultancy and related activities
Manufacture of motor vehicles, trailers and semi‐trailers
Manufacture of Basic Metals
Manufacture of textiles
Top 10 Industry Exposure ( % to AUM)
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
10.06%
21.47%
26.90%
18.85%
22.72%
Debt Maturity Profile (% of Debt)
Debt61.86%
Equity31.81%
MM & Others6.33%
Asset Allocation (% to AUM)
AAA50.33%
AA8.04%
AA‐5.30%
Gilts36.32%
Debt Rating Profile (% of Debt)
9.5010.0010.5011.0011.5012.0012.5013.0013.5014.0014.5015.0015.5016.0016.5017.0017.5018.0018.5019.0019.5020.0020.5021.00
Feb‐…
May…
Sep‐…
Dec‐…
Apr‐…
Jul‐10
Oct‐ …
Feb‐…
May…
Aug‐…
Dec‐…
Mar‐…
Jun‐12
Oct‐ …
Jan‐13
Apr‐…
Aug‐…
Nov‐…
Feb‐…
Jun‐14
Sep‐ …
Dec‐…
Apr‐…
Jul‐15
NAV/U
NIT (Rs)
NAV Performance (Since Inception)NAV Benchmark
Modified Duration ‐ 3.49 yrs
Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since Inception
Balanced Fund 1.00% 2.13% 1.11% 9.75% 13.89% 11.63% 11.58%
Benchmark 1.49% 2.49% 1.23% 11.54% 14.27% 11.72% 11.22%
14.22%
10.89%
6.40%
5.11%
4.98%
4.95%
4.85%
4.23%
3.96%
3.28%
Financial & Insurance Activities
Infrastructure
Manufacture of coke and refined petroleum products
Water transport
Accommodation
Civil engineering
Computer programming, consultancy and related activities
Manufacture of motor vehicles, trailers and semi‐trailers
Manufacture of Basic Metals
Manufacture of textiles
Top 10 Industry Exposure ( % to AUM)
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
10.06%
21.47%
26.90%
18.85%
22.72%
Debt Maturity Profile (% of Debt)
Debt61.86%
Equity31.81%
MM & Others6.33%
Asset Allocation (% to AUM)
AAA50.33%
AA8.04%
AA‐5.30%
Gilts36.32%
Debt Rating Profile (% of Debt)
9.5010.0010.5011.0011.5012.0012.5013.0013.5014.0014.5015.0015.5016.0016.5017.0017.5018.0018.5019.0019.5020.0020.5021.00
Feb‐…
May…
Sep‐…
Dec‐…
Apr‐…
Jul‐10
Oct‐ …
Feb‐…
May…
Aug‐…
Dec‐…
Mar‐…
Jun‐12
Oct‐ …
Jan‐13
Apr‐…
Aug‐…
Nov‐…
Feb‐…
Jun‐14
Sep‐ …
Dec‐…
Apr‐…
Jul‐15
NAV/U
NIT (Rs)
NAV Performance (Since Inception)NAV Benchmark
Modified Duration ‐ 3.49 yrs
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
January 20, 2010 ULIF 015 20/01/10 SUD‐PA‐BL1 142
Products : AUM :
Rs. 29.15 Cr
Portfolio % to AUM
`
Equity 52.16% Minimum Maximum
Infosys Technologies Ltd. 5.08% 35% 65% 52.16%
Larsen & Toubro Limited 4.16% 35% 65% 47.84%
Housing Development Finance Corporation Ltd. 3.92%
HDFC Bank Ltd 3.62%
ICICI Bank Ltd 2.85%
State Bank of India 2.80%
ITC Ltd. 2.74%
Tata Consultancy Services Limited 2.41%
Tata Motors Limited 2.22%
IndusInd Bank Limited 1.58%
Sun Pharmaceuticals Industries Ltd 1.55%
Axis Bank Limited 1.97%
Reliance Industries Ltd 1.97%
Hero Motocorp Ltd. 1.75%
HCL Technologies Ltd 1.66%
Oil & Natural Gas Corpn Ltd 1.50%
Maruti Suzuki India Limited 1.49%
Dr. Reddys Laboratories Ltd. 1.40%
Bharti Airtel Limited 1.36%
Bharat Petroleum Corpn. Ltd 1.11%
Others (with < 1% exposure) 5.02%
INDIVIDUAL PENSION FUND APEX BALANCED - JULY 2015
Equity
For New Dhruv Tara Products
Debt, MM & Others
To optimize returns over medium to long term, by aiming balance between risk and return, through
investments in high quality equity and debt instruments.
Asset Mix
ParticularsInvestment Pattern
Actual
Benchmark :
CNX Nifty Index ‐ 50%
CRISIL Composite Bond Index ‐ 50%
AAA
Debt Rating Profile (% of Debt)
Debt45.32%
Equity52.16%
MM & Others2.52%
Asset Allocation (% to AUM)
Others (with < 1% exposure) 5.02%
Debt 45.32%
Gilts & SDL 25.68%
GOI 22.15%
SDL ‐ TAMIL NADU 3.53%
SDL ‐ Other States (with < 1% exposure) 0.00%
Corporate Bonds 19.64%
IL & FS LTD. 3.68%
LIC HOUSING FINANCE LTD 3.49%
TATA SONS LTD. 3.48%
RELIANCE GAS TRANSPORTN INFRA LTD. 1.86%
HINDALCO INDUSTRIES LTD. 1.75%
STEEL AUTHORITY OF INDIA LTD. 1.73%
LARSEN & TOUBRO LTD. 1.39%
RELIANCE INDUSTRIES LTD 1.39%Others (with < 1% exposure) 0.86%
MM & Others 2.52%
Total 100.00%
`
20.22%
10.13%
9.26%
5.55%
5.10%
3.71%
3.49%
3.49%
2.95%
2.74%
Financial & Insurance Activities
Computer programming, consultancy and related activities
Infrastructure
Civil engineering
Manufacture of coke and refined petroleum products
Manufacture of motor vehicles, trailers and semi‐trailers
Housing Sector
Manufacture of Basic Metals
Manufacture of pharmaceuticals,medicinal chemical and botanical products
Manufacture of tobacco products
Top 10 Industry Exposure ( % to AUM)
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
3.82% 1.90%
13.81%
56.07%
24.40%
Debt Maturity Profile ( % of Debt)
AAA39.46%
AA3.87%
Gilts56.67%
Debt Rating Profile (% of Debt)
9.30
10.30
11.30
12.30
13.30
14.30
15.30
16.30
17.30
Jan‐10
Apr‐10
Jul‐10
Oct‐10
Jan‐11
Apr‐11
Jul‐11
Oct‐11
Jan‐12
Apr‐12
Jul‐12
Oct‐12
Jan‐13
Apr‐13
Jul‐13
Oct‐13
Jan‐14
Apr‐14
Jul‐14
Oct‐14
Jan‐15
Apr‐15
Jul‐15
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
NAV Benchmark
Debt45.32%
Equity52.16%
MM & Others2.52%
Asset Allocation (% to AUM)
Modified Duration ‐ 5.57 yrs
Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionIndividual Pension Fund ‐ Apex Balanced 1.91% 3.37% 0.33% 10.37% 17.25% 14.76% 9.49%
Benchmark 1.63% 3.03% 0.02% 11.35% 16.53% 13.52% 8.94%
20.22%
10.13%
9.26%
5.55%
5.10%
3.71%
3.49%
3.49%
2.95%
2.74%
Financial & Insurance Activities
Computer programming, consultancy and related activities
Infrastructure
Civil engineering
Manufacture of coke and refined petroleum products
Manufacture of motor vehicles, trailers and semi‐trailers
Housing Sector
Manufacture of Basic Metals
Manufacture of pharmaceuticals,medicinal chemical and botanical products
Manufacture of tobacco products
Top 10 Industry Exposure ( % to AUM)
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
3.82% 1.90%
13.81%
56.07%
24.40%
Debt Maturity Profile ( % of Debt)
AAA39.46%
AA3.87%
Gilts56.67%
Debt Rating Profile (% of Debt)
9.30
10.30
11.30
12.30
13.30
14.30
15.30
16.30
17.30
Jan‐10
Apr‐10
Jul‐10
Oct‐10
Jan‐11
Apr‐11
Jul‐11
Oct‐11
Jan‐12
Apr‐12
Jul‐12
Oct‐12
Jan‐13
Apr‐13
Jul‐13
Oct‐13
Jan‐14
Apr‐14
Jul‐14
Oct‐14
Jan‐15
Apr‐15
Jul‐15
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
NAV Benchmark
Debt45.32%
Equity52.16%
MM & Others2.52%
Asset Allocation (% to AUM)
Modified Duration ‐ 5.57 yrs
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
March 31, 2009 ULIF 007 31/03/09 SUD‐PI‐BL1 142
Products : AUM :
Rs. 17.57 Cr
Portfolio % to AUM
`
Equity 31.83% Minimum Maximum
Larsen & Toubro Limited 2.41% 0% 60% 31.83%
ICICI Bank Ltd 2.37% 40% 100% 68.17%
Infosys Technologies Ltd. 2.36%
Housing Development Finance Corporation Ltd. 2.11%
State Bank of India 1.97%
HCL Technologies Ltd 1.36%
Axis Bank Limited 1.31%
Tata Motors Limited 1.27%
HDFC Bank Ltd 1.27%
Reliance Industries Ltd 1.23%
Bharat Petroleum Corpn. Ltd 1.21%
Tata Consultancy Services Limited 1.14%
ITC Ltd. 1.13%
IndusInd Bank Limited 1.11%
Sun Pharmaceuticals Industries Ltd 1.08%
Bharti Airtel Limited 1.07%
Hindustan Petroleum Corporation Ltd. 1.05%
Power Grid Corporation of India Limited 1.01%
Oil & Natural Gas Corpn Ltd 1.01%
Others (with < 1% exposure) 4.35%
Debt 64.75%
Gilts & SDL 33.33%
GOI 18.37%
SDL MAHARASHTRA 6 07%
INDIVIDUAL PENSION FUND BALANCED - JULY 2015
Equity
For Dhruv Tara Products
Debt, MM & Others
To aim for stable returns over medium to long term through investments in high quality fixed income and
money market instruments and enhance returns through a fair exposure to equity investments.
Asset Mix
ParticularsInvestment Pattern
Actual
Benchmark :
CNX Nifty Index ‐ 30%
CRISIL Composite Bond Index ‐ 70%
AAA
Debt Rating Profile (% of Debt)
Debt64.75%
Equity31.83%
MM & Others3.43%
Asset Allocation (% to AUM)
SDL MAHARASHTRA 6.07%SDL ‐ TAMIL NADU 5.88%
SDL ‐ KERALA 3.01%SDL (with < 1% exposure) 0.00%
Corporate Bonds 31.41%
LIC HOUSING FINANCE LTD 5.82%
THE INDIAN HOTELS COMPANY LTD. 5.79%
RURAL ELECTRIFICATION CORPORATION L 4.03%
RELIANCE PORTS & TERMINALS LTD. 3.10%
HDFC LTD. 2.99%
THE GREAT EASTERN SHIPPING CO. LTD. 2.96%
MRF LTD. 2.85%
IL & FS LTD. 1.22%
LARSEN & TOUBRO LTD. 1.15%
Others (with < 1% exposure) 1.52%
MM & Others 3.43%
Total 100.00%
`
12.41%
11.05%
8.80%
5.79%
5.52%
3.56%
3.49%
2.96%
2.85%
2.01%
Infrastructure
Financial & Insurance Activities
Housing Sector
Accommodation
Computer programming, consultancy and related activities
Civil engineering
Manufacture of coke and refined petroleum products
Water transport
Manufacture of rubber and plastics products
Manufacture of pharmaceuticals,medicinal chemical and botanical products
Top 10 Industry Exposure ( % to AUM)
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
4.41%
17.88%
7.30%
42.75%
27.67%
Debt Maturity Profile ( % of Debt)
Modified Duration ‐ 4.73 yrs
AAA39.58%
AA8.94%
Gilts51.48%
Debt Rating Profile (% of Debt)
9.5010.0010.5011.0011.5012.0012.5013.0013.5014.0014.5015.0015.5016.0016.5017.0017.5018.0018.5019.0019.5020.00
Mar‐…
Jul‐09
Oct‐09
Jan‐10
Apr‐10
Jul‐10
Oct‐10
Feb‐11
May‐…
Aug‐11
Nov‐…
Feb‐12
May‐…
Aug‐12
Dec‐12
Mar‐…
Jun‐13
Sep‐13
Dec‐13
Mar‐…
Jul‐14
Oct‐14
Jan‐15
Apr‐15
Jul‐15
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
NAV Benchmark
Debt64.75%
Equity31.83%
MM & Others3.43%
Asset Allocation (% to AUM)
Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionIndividual Pension Fund ‐ Balanced 1.51% 2.34% 0.60% 10.40% 14.18% 11.97% 11.05%
Benchmark 1.49% 2.49% 1.23% 11.54% 14.27% 11.72% 10.96%
12.41%
11.05%
8.80%
5.79%
5.52%
3.56%
3.49%
2.96%
2.85%
2.01%
Infrastructure
Financial & Insurance Activities
Housing Sector
Accommodation
Computer programming, consultancy and related activities
Civil engineering
Manufacture of coke and refined petroleum products
Water transport
Manufacture of rubber and plastics products
Manufacture of pharmaceuticals,medicinal chemical and botanical products
Top 10 Industry Exposure ( % to AUM)
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
4.41%
17.88%
7.30%
42.75%
27.67%
Debt Maturity Profile ( % of Debt)
Modified Duration ‐ 4.73 yrs
AAA39.58%
AA8.94%
Gilts51.48%
Debt Rating Profile (% of Debt)
9.5010.0010.5011.0011.5012.0012.5013.0013.5014.0014.5015.0015.5016.0016.5017.0017.5018.0018.5019.0019.5020.00
Mar‐…
Jul‐09
Oct‐09
Jan‐10
Apr‐10
Jul‐10
Oct‐10
Feb‐11
May‐…
Aug‐11
Nov‐…
Feb‐12
May‐…
Aug‐12
Dec‐12
Mar‐…
Jun‐13
Sep‐13
Dec‐13
Mar‐…
Jul‐14
Oct‐14
Jan‐15
Apr‐15
Jul‐15
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
NAV Benchmark
Debt64.75%
Equity31.83%
MM & Others3.43%
Asset Allocation (% to AUM)
Trademark used under licence from respective owners.
Investment Objective :
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 Rs. 64.36 Cr
Portfolio % to AUM
`
Equity 29.85% Minimum Maximum
Larsen & Toubro Limited 1.90% 0% 60% 29.85%
Infosys Technologies Ltd. 1.89% 40% 100% 70.15%
HDFC Bank Ltd 1.73%
Axis Bank Limited 1.56%
Reliance Industries Ltd 1.53%
Bharti Airtel Limited 1.17%
Maruti Suzuki India Limited 1.14%
ICICI Bank Ltd 1.06%
HCL Technologies Ltd 1.04%
Others (with < 1% exposure) 16.84%
Debt 64.94%
Gilts & SDL 27.43%
GOI 23.42%
SDL ‐ TAMIL NADU 1.94%
SDL MAHARASHTRA 1.25%
Other SDL 0.82%
Corporate Bonds 37.50%
POWER FINANCE CORPORATION LTD. 3.72%
RELIANCE GAS TRANSPORTN INFRA LTD. 3.37%
THE GREAT EASTERN SHIPPING CO LTD 3 23%
EXPRESS BALANCED FUND - JULY 2015
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
ParticularsInvestment Pattern
Actual
AAA45.51%
Gilts42 25%
Debt Rating Profile (% of Debt)
Debt64.94%
Equity29.85%
MM & Others5.21%
Asset Allocation( % to AUM)
THE GREAT EASTERN SHIPPING CO. LTD. 3.23%
FULLERTON INDIA CREDIT COMPANY LTD. 3.19%
IL & FS LTD. 3.00%
POWER GRID CORPORATION OF INDIA LTD 2.75%
LIC HOUSING FINANCE LTD 2.40%
VEDANTA LIMITED 2.36%
RELIANCE PORTS & TERMINALS LTD. 2.20%
TATA SONS LTD. 1.92%
THE INDIAN HOTELS COMPANY LTD. 1.58%
HINDUSTAN PETROLEUM CORPORATION LTD 1.57%
NATIONAL BANK FOR AGRI & RURAL DEVE 1.26%
HDFC LTD. 1.13%
Others (with < 1% exposure) 3.83%
MM & Others 5.21%
Total 100.00%
`
20.00%
13.16%
4.75%
3.68%
3.53%
3.23%
2.85%
2.56%
2.36%
1.58%
Infrastructure
Financial & Insurance Activities
Computer programming, consultancy and related activities
Manufacture of coke and refined petroleum products
Housing Sector
Water transport
Civil engineering
Manufacture of motor vehicles, trailers and semi‐trailers
Mining of metal ores
Accommodation
Top 10 Industry Exposure ( % to AUM)
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
3.62%
11.46%
18.10%
49.14%
17.68%
Debt Maturity Profile ( % of Debt)
AAA45.51%
AA+9.81%
AA2.43%
Gilts42.25%
Debt Rating Profile (% of Debt)
9.50
10.50
11.50
12.50
13.50
14.50
15.50
Apr‐11
Aug‐11
Nov‐11
Feb‐12
May‐12
Aug‐12
Nov‐12
Mar‐13
Jun‐13
Sep‐13
Dec‐13
Mar‐14
Jun‐14
Sep‐14
Jan‐15
Apr‐15
Jul‐15
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
NAV Benchmark
Debt64.94%
Equity29.85%
MM & Others5.21%
Asset Allocation( % to AUM)
Modified Duration ‐ 4.50 yrs
Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionExpress Balanced Fund 1.64% 2.52% 1.27% 11.43% 14.69% 12.32% 9.94%
Benchmark 1.49% 2.49% 1.23% 11.54% 14.27% 11.72% 9.33%
20.00%
13.16%
4.75%
3.68%
3.53%
3.23%
2.85%
2.56%
2.36%
1.58%
Infrastructure
Financial & Insurance Activities
Computer programming, consultancy and related activities
Manufacture of coke and refined petroleum products
Housing Sector
Water transport
Civil engineering
Manufacture of motor vehicles, trailers and semi‐trailers
Mining of metal ores
Accommodation
Top 10 Industry Exposure ( % to AUM)
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
3.62%
11.46%
18.10%
49.14%
17.68%
Debt Maturity Profile ( % of Debt)
AAA45.51%
AA+9.81%
AA2.43%
Gilts42.25%
Debt Rating Profile (% of Debt)
9.50
10.50
11.50
12.50
13.50
14.50
15.50
Apr‐11
Aug‐11
Nov‐11
Feb‐12
May‐12
Aug‐12
Nov‐12
Mar‐13
Jun‐13
Sep‐13
Dec‐13
Mar‐14
Jun‐14
Sep‐14
Jan‐15
Apr‐15
Jul‐15
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
NAV Benchmark
Debt64.94%
Equity29.85%
MM & Others5.21%
Asset Allocation( % to AUM)
Modified Duration ‐ 4.50 yrs
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No. Benchmark :
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.106.45.Cr
Portfolio % to AUM
`
Equity 31.36% Minimum Maximum
Infosys Technologies Ltd. 2.30% 0% 60% 31.36%
ICICI Bank Ltd 1.64% 40% 100% 63.52%
Larsen & Toubro Limited 1.52% 0% 30% 5.13%
Housing Development Finance Corporation Ltd. 1.45%
Oil & Natural Gas Corpn Ltd 1.40%
Reliance Industries Ltd 1.33%
Axis Bank Limited 1.26%
State Bank of India 1.19%
ITC Ltd. 1.15%
HDFC Bank Ltd 1.13%
Tata Consultancy Services Limited 1.11%
Others (with < 1% exposure) 15.88%
Debt 63.52%
Gilts & SDL 39.72%
GOI 36.03%
SDL MAHARASHTRA 1.50%
SDL ‐ TAMIL NADU 1.45%
SDL (with < 1% exposure) 0.75%
Corporate Bonds 23.80%
HDFC LTD. 3.96%
LARSEN & TOUBRO LTD. 2.95%
BALANCED PLUS FUND - JULY 2015
MM & Others
Equity
Debt
To optimize returns over medium to long term, by aiming balance between risk and return, through investments
in high quality equity and debt instruments.
Asset Mix
ParticularsInvestment Pattern
Actual
AAA31.58%
Debt Rating Profile (% of Debt)
Debt63.52%
Equity31.36%
MM & Others5.13%
Asset Allocation( % to AUM)
RURAL ELECTRIFICATION CORPORATION L 2.82%
VEDANTA LIMITED 2.38%
RELIANCE PORTS & TERMINALS LTD. 2.35%
THE GREAT EASTERN SHIPPING CO. LTD. 2.05%
POWER FINANCE CORPORATION LTD. 1.43%
TATA SONS LTD. 1.43%
IRFC LTD. 1.28%
INDIAN OIL CORPORATION LTD 1.19%
Others (with < 1% exposure) 1.94%
MM & Others 5.13%
Total 100.00%
`
10.46%
10.38%
5.37%
4.92%
4.47%
3.13%
2.38%
2.38%
2.05%
1.92%
Infrastructure
Financial & Insurance Activities
Computer programming, consultancy and related activities
Housing Sector
Civil engineering
Manufacture of coke and refined petroleum products
Manufacture of motor vehicles, trailers and semi‐trailers
Mining of metal ores
Water transport
Manufacture of pharmaceuticals,medicinal chemical and botanical products
Top 10 Industry Exposure ( % to AUM)
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
1.04%
6.32%
14.44%
46.48%
31.71%
Debt Maturity Profile ( % of Debt)
AAA31.58%
AA+5.88%
Gilts62.53%
Debt Rating Profile (% of Debt)
9.90
10.10
10.30
10.50
10.70
10.90
11.10
11.30
11.50
11.70
11.90
12.10
12.30
12.50
12.70
12.90
Jan‐14 Apr‐14 Jul‐14 Oct‐14 Jan‐15 Apr‐15 Jul‐15
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
NAV Benchmark
Debt63.52%
Equity31.36%
MM & Others5.13%
Asset Allocation( % to AUM)
Modified Duration ‐ 5.65 yrs
Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionBalance Plus Fund 1.87% 2.54% 1.25% 10.36% ‐ ‐ 16.75%Benchmark 1.49% 2.49% 1.23% 11.54% ‐ ‐ 15.98%
10.46%
10.38%
5.37%
4.92%
4.47%
3.13%
2.38%
2.38%
2.05%
1.92%
Infrastructure
Financial & Insurance Activities
Computer programming, consultancy and related activities
Housing Sector
Civil engineering
Manufacture of coke and refined petroleum products
Manufacture of motor vehicles, trailers and semi‐trailers
Mining of metal ores
Water transport
Manufacture of pharmaceuticals,medicinal chemical and botanical products
Top 10 Industry Exposure ( % to AUM)
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
1.04%
6.32%
14.44%
46.48%
31.71%
Debt Maturity Profile ( % of Debt)
AAA31.58%
AA+5.88%
Gilts62.53%
Debt Rating Profile (% of Debt)
9.90
10.10
10.30
10.50
10.70
10.90
11.10
11.30
11.50
11.70
11.90
12.10
12.30
12.50
12.70
12.90
Jan‐14 Apr‐14 Jul‐14 Oct‐14 Jan‐15 Apr‐15 Jul‐15
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
NAV Benchmark
Debt63.52%
Equity31.36%
MM & Others5.13%
Asset Allocation( % to AUM)
Modified Duration ‐ 5.65 yrs
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
January 20, 2010 ULIF 012 20/01/10 SUD‐LA‐BN1 142
Products : AUM :
Rs. 197.86 Cr
Portfolio % to AUM
`
Debt 94.35% Minimum Maximum
Gilts & SDL 39.19% 80% 100% 94.35%
GOI 32.95% 0% 20% 5.65%
SDL ‐ TAMIL NADU 3.04%
SDL MAHARASHTRA 1.76%
SDL (with < 1% exposure) 1.44%
Corporate Bonds 55.16%
POWER GRID CORPORATION OF INDIA LTD 3.74%
NATIONAL THERMAL POWER CORPORATION 3.66%
LIC HOUSING FINANCE LTD 3.66%
IL & FS LTD. 3.52%
M & M FINANCIAL SERVICES LTD. 3.46%
RURAL ELECTRIFICATION CORPORATION L 3.09%
STEEL AUTHORITY OF INDIA LTD. 2.84%
HDFC LTD. 2.60%
FULLERTON INDIA CREDIT COMPANY LTD. 2.59%
RELIANCE PORTS & TERMINALS LTD. 2.59%
APEX BOND FUND - JULY 2015
DEBT
MM & Others
Particulars
To aim for stable returns over medium to long term by judicious mix of investments in Government securities and
high quality corporate debt of varying maturities and also in money market instruments.
Investment PatternActual
Asset Mix
For New Dhan Suraksha, New Dhan Suraksha Premium,
New Prabhat Tara, Dhan Suraksha 3, Dhan Suraksha
Premium 3 & Prabhat Tara 3.
Benchmark :
CRISIL Composite Bond Index ‐ 90%
CRISIL Liquid Fund Index ‐ 10%
Debt94.35%
MM & Others5.65%
Asset Allocation (% to AUM)
AAA40 31%Gilts
Debt Rating Profile (% of Debt)
HINDUSTAN PETROLEUM CORPORATION LTD 2.56%
POWER FINANCE CORPORATION LTD. 2.35%
TATA SONS LTD. 2.25%
HINDALCO INDUSTRIES LTD. 2.07%
TATA CAPITAL FINANCIAL SERVICES LTD 1.53%
THE GREAT EASTERN SHIPPING CO. LTD. 1.37%
L&T HOUSING FINANCE LIMITED 1.29%
MRF LTD. 1.28%
THE INDIAN HOTELS COMPANY LTD. 1.03%
VEDANTA LIMITED 1.02%
CHENNAI PETROLEUM CORPORATION LTD. 1.01%
Others (with < 1% exposure) 5.66%
MM & Others 5.65%
Total 100.00%
`
20.17%
12.86%
7.54%
4.90%
4.03%
1.37%
1.28%
1.03%
1.02%
0.88%
Infrastructure
Financial & Insurance Activities
Housing Sector
Manufacture of Basic Metals
Manufacture of coke and refined petroleum products
Water transport
Manufacture of rubber and plastics products
Accommodation
Mining of metal ores
Civil engineering
Top 10 Industry Exposure ( % to AUM)
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
2.48%
10.89%
15.70%
48.49%
22.44%
Debt Maturity Profile ( % of Debt)
Debt94.35%
MM & Others5.65%
Asset Allocation (% to AUM)
AAA40.31%
AA+14.33%
AA3.28%
AA‐0.54%
Gilts41.54%
Debt Rating Profile (% of Debt)
9.5010.0010.5011.0011.5012.0012.5013.0013.5014.0014.5015.0015.5016.0016.50
Jan‐…
Apr‐…
Jul‐10
Oct‐ …
Jan‐…
Apr‐…
Jul‐11
Oct‐ …
Jan‐…
Apr‐…
Jul‐12
Oct‐ …
Jan‐…
Apr‐…
Jul‐13
Oct‐ …
Jan‐…
Apr‐…
Jul‐14
Oct‐ …
Jan‐…
Apr‐…
Jul‐15
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
NAV Benchmark
Modified Duration ‐ 4.77 yrs
Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionApex Bond Fund 1.22% 1.28% 2.39% 11.26% 10.23% 8.92% 7.98%
Benchmark 1.20% 1.68% 3.12% 11.38% 10.66% 8.91% 7.90%
20.17%
12.86%
7.54%
4.90%
4.03%
1.37%
1.28%
1.03%
1.02%
0.88%
Infrastructure
Financial & Insurance Activities
Housing Sector
Manufacture of Basic Metals
Manufacture of coke and refined petroleum products
Water transport
Manufacture of rubber and plastics products
Accommodation
Mining of metal ores
Civil engineering
Top 10 Industry Exposure ( % to AUM)
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
2.48%
10.89%
15.70%
48.49%
22.44%
Debt Maturity Profile ( % of Debt)
Debt94.35%
MM & Others5.65%
Asset Allocation (% to AUM)
AAA40.31%
AA+14.33%
AA3.28%
AA‐0.54%
Gilts41.54%
Debt Rating Profile (% of Debt)
9.5010.0010.5011.0011.5012.0012.5013.0013.5014.0014.5015.0015.5016.0016.50
Jan‐…
Apr‐…
Jul‐10
Oct‐ …
Jan‐…
Apr‐…
Jul‐11
Oct‐ …
Jan‐…
Apr‐…
Jul‐12
Oct‐ …
Jan‐…
Apr‐…
Jul‐13
Oct‐ …
Jan‐…
Apr‐…
Jul‐14
Oct‐ …
Jan‐…
Apr‐…
Jul‐15
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
NAV Benchmark
Modified Duration ‐ 4.77 yrs
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No. 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 :
Rs. 10.52 Cr
Portfolio % to AUM
`
Debt 95.72% Minimum Maximum
Gilts & SDL 48.45% 80% 100% 95.72%
GOI 41.03% 0% 20% 4.28%
SDL GUJARAT 2.86%
SDL MAHARASHTRA 2.50%
SDL ‐ TAMIL NADU 2.06%
SDL (with < 1% exposure) 0.00%
Corporate Bonds 47.27%
LARSEN & TOUBRO LTD. 5.82%
LIC HOUSING FINANCE LTD 5.81%
RELIANCE PORTS & TERMINALS LTD. 5.18%
THE GREAT EASTERN SHIPPING CO. LTD. 4.94%
NATIONAL BANK FOR AGRI & RURAL DEVE 4.81%
M & M FINANCIAL SERVICES LTD. 3.99%
TATA SONS LTD 3 83%
BOND FUND - JULY 2015
Debt
MM & Others
To aim for stable returns over medium to long term by judicious mix of investments in Government securities
and high quality corporate debt of varying maturities and also in money market instruments.
Investment PatternActual
Asset Mix
Particulars
For Dhan Suraksha, Dhan Suraksha Premium, Prabhat
Tara.
Debt95.72%
MM & Others4.28%
Asset Allocation (% to AUM)
AAA
Debt Rating Profile (% of Debt)TATA SONS LTD. 3.83%
POWER GRID CORPORATION OF INDIA LTD 3.05%
INDIAN OIL CORPORATION LTD 2.96%
RELIANCE INDUSTRIES LTD 2.88%
RELIANCE GAS TRANSPORTN INFRA LTD. 2.05%
HDFC LTD. 1.00%
Others (with < 1% exposure) 0.96%
MM & Others 4.28%
Total 100.00%
`
15.08%
7.82%
6.81%
5.84%
5.82%
4.94%
0.96%
Infrastructure
Financial & Insurance Activities
Housing Sector
Manufacture of coke and refined petroleum products
Civil engineering
Water transport
Manufacture of Basic Metals
Top 10 Industry Exposure ( % to AUM)
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
9.02%
16.47%18.46%
33.44%
22.60%
Debt Maturity Profile ( % of Debt)
Debt95.72%
MM & Others4.28%
Asset Allocation (% to AUM)
AAA45.21%
AA+4.17%
Gilts50.62%
Debt Rating Profile (% of Debt)
9.50
10.50
11.50
12.50
13.50
14.50
15.50
16.50
17.50
18.50
Feb‐09
Jun‐09
Sep‐09
Dec‐09
Apr‐10
Jul‐10
Oct‐10
Jan‐11
May‐11
Aug‐11
Nov‐11
Mar‐12
Jun‐12
Sep‐12
Dec‐12
Apr‐13
Jul‐13
Oct‐13
Jan‐14
May‐14
Aug‐14
Nov‐14
Mar‐15
Jun‐15
NAV/U
NIT (Rs)
NAV Performance (Since Inception)NAV Benchmark
Modified Duration ‐ 4.69 yrs
Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionBond Fund 1.14% 1.37% 2.51% 10.47% 10.04% 8.88% 7.56%Benchmark 1.20% 1.68% 3.12% 11.38% 10.66% 8.91% 7.48%
15.08%
7.82%
6.81%
5.84%
5.82%
4.94%
0.96%
Infrastructure
Financial & Insurance Activities
Housing Sector
Manufacture of coke and refined petroleum products
Civil engineering
Water transport
Manufacture of Basic Metals
Top 10 Industry Exposure ( % to AUM)
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
9.02%
16.47%18.46%
33.44%
22.60%
Debt Maturity Profile ( % of Debt)
Debt95.72%
MM & Others4.28%
Asset Allocation (% to AUM)
AAA45.21%
AA+4.17%
Gilts50.62%
Debt Rating Profile (% of Debt)
9.50
10.50
11.50
12.50
13.50
14.50
15.50
16.50
17.50
18.50
Feb‐09
Jun‐09
Sep‐09
Dec‐09
Apr‐10
Jul‐10
Oct‐10
Jan‐11
May‐11
Aug‐11
Nov‐11
Mar‐12
Jun‐12
Sep‐12
Dec‐12
Apr‐13
Jul‐13
Oct‐13
Jan‐14
May‐14
Aug‐14
Nov‐14
Mar‐15
Jun‐15
NAV/U
NIT (Rs)
NAV Performance (Since Inception)NAV Benchmark
Modified Duration ‐ 4.69 yrs
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
January 20, 2010 ULIF 016 20/01/10 SUD‐PA‐BN1 142
Products : AUM :
For New Dhruv Tara Products Rs. 12.06 Cr
Portfolio % to AUM
`
Debt 91.29% Minimum Maximum
Gilts & SDL 40.55% 80% 100% 91.29%
GOI 34.43% 0% 20% 8.71%
SDL MAHARASHTRA 6.12%SDL (with < 1% exposure) 0.00%
Corporate Bonds 50.73%
RAYMOND LTD. 8.32%
POWER GRID CORPORATION OF INDIA LTD 8.14%
TATA SONS LTD. 6.80%
RELIANCE PORTS & TERMINALS LTD. 6.32%
HINDALCO INDUSTRIES LTD. 5.09%
NATIONAL THERMAL POWER CORPORATION 4.28%
CHENNAI PETROLEUM CORPORATION LTD. 4.16%
LARSEN & TOUBRO LTD. 3.38%
NATIONAL BANK FOR AGRI & RURAL DEVE 2.52%
HDFC LTD. 1.74%Others (with < 1% exposure) 0.00%
INDIVIDUAL PENSION FUND APEX BOND - JULY 2015
DEBT
MM & Others
To aim for stable returns over medium to long term by judicious mix of investments in Government securities and high
quality corporate debt of varying maturities and also in money market instruments.
Asset Mix
ParticularsInvestment Pattern
Actual
Benchmark :
CRISIL Composite Bond Index ‐ 90%
CRISIL Liquid Fund Index ‐ 10%
Debt91.29%
MM & Others8.71%
Asset Allocation( % to AUM)
AAA40.88%Gilts
44.42%
Debt Rating Profile (% of Debt)
MM & Others 8.71%
Total 100.00%
`
21.25%
8.32%
6.80%
5.09%
4.16%
3.38%
1.74%
Infrastructure
Manufacture of textiles
Financial & Insurance Activities
Manufacture of Basic Metals
Manufacture of coke and refined petroleum products
Civil engineering
Housing Sector
Top 10 Industry Exposure ( % to AUM)
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
14.62%
5.69%
18.72%
33.56%
27.41%
Debt Maturity Profile ( % of Debt)
Debt91.29%
MM & Others8.71%
Asset Allocation( % to AUM)
AAA40.88%
AA5.58%AA‐
9.12%
Gilts44.42%
Debt Rating Profile (% of Debt)
9.50
10.50
11.50
12.50
13.50
14.50
15.50
16.50
Jan‐10
Apr‐10
Jul‐10
Oct‐10
Jan‐11
Apr‐11
Jul‐11
Oct‐11
Jan‐12
Apr‐12
Jul‐12
Oct‐12
Jan‐13
Apr‐13
Jul‐13
Oct‐13
Jan‐14
Apr‐14
Jul‐14
Oct‐14
Jan‐15
Apr‐15
Jul‐15
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
NAV Benchmark
Modified Duration ‐ 4.71 yrs
Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since Inception
Individual Pension Fund ‐ Apex Bond 1.16% 1.34% 2.28% 10.93% 9.90% 8.59% 7.67%
Benchmark 1.20% 1.68% 3.12% 11.38% 10.66% 8.91% 7.90%
21.25%
8.32%
6.80%
5.09%
4.16%
3.38%
1.74%
Infrastructure
Manufacture of textiles
Financial & Insurance Activities
Manufacture of Basic Metals
Manufacture of coke and refined petroleum products
Civil engineering
Housing Sector
Top 10 Industry Exposure ( % to AUM)
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
14.62%
5.69%
18.72%
33.56%
27.41%
Debt Maturity Profile ( % of Debt)
Debt91.29%
MM & Others8.71%
Asset Allocation( % to AUM)
AAA40.88%
AA5.58%AA‐
9.12%
Gilts44.42%
Debt Rating Profile (% of Debt)
9.50
10.50
11.50
12.50
13.50
14.50
15.50
16.50
Jan‐10
Apr‐10
Jul‐10
Oct‐10
Jan‐11
Apr‐11
Jul‐11
Oct‐11
Jan‐12
Apr‐12
Jul‐12
Oct‐12
Jan‐13
Apr‐13
Jul‐13
Oct‐13
Jan‐14
Apr‐14
Jul‐14
Oct‐14
Jan‐15
Apr‐15
Jul‐15
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
NAV Benchmark
Modified Duration ‐ 4.71 yrs
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
March 31, 2009 ULIF 008 31/03/09 SUD‐PI‐BN1 142
Products : AUM :
Rs. 5.09 Cr
Portfolio % to AUM
`
Debt 93.08% Minimum Maximum
Gilts & SDL 44.27% 80% 100% 93.08%
GOI 23.45% 0% 20% 6.92%
SDL ‐ TAMIL NADU 11.40%
SDL ANDHRA PRADESH 5.53%
SDL ‐ KERALA 3.88%
SDL (with < 1% exposure) 0.00%
Corporate Bonds 48.81%
INDIAN OIL CORPORATION LTD 6.32%
LARSEN & TOUBRO LTD. 6.04%
LIC HOUSING FINANCE LTD 6.04%
NATIONAL BANK FOR AGRI & RURAL DEVE 5.98%
TATA SONS LTD. 5.93%
POWER GRID CORPORATION OF INDIA LTD 4.20%
MRF LTD. 4.15%
STEEL AUTHORITY OF INDIA LTD. 3.97%
RELIANCE GAS TRANSPORTN INFRA LTD. 2.12%
INDIVIDUAL PENSION FUND BOND - JULY 2015
Debt
For Dhruv Tara Products
MM & Others
To aim for stable returns over medium to long term by judicious mix of investments in Government securities and
high quality corporate debt of varying maturities and also in money market instruments.
Asset Mix
ParticularsInvestment Pattern
Actual
Benchmark :
CRISIL Composite Bond Index ‐ 90%
CRISIL Liquid Fund Index ‐ 10%
Debt93.08%
MM & Others6.92%
Asset Allocation (% to AUM)
AAA47.97%
Gilts47.56%
Debt Rating Profile (% of Debt)
THE GREAT EASTERN SHIPPING CO. LTD. 2.05%
RURAL ELECTRIFICATION CORPORATION L 2.00%
Others (with < 1% exposure) 0.00%
MM & Others 6.92%
Total 100.00%
`
14.30%
6.32%
6.04%
6.04%
5.93%
4.15%
3.97%
2.05%
Infrastructure
Manufacture of coke and refined petroleum products
Civil engineering
Housing Sector
Financial & Insurance Activities
Manufacture of rubber and plastics products
Manufacture of Basic Metals
Water transport
Top 10 Industry Exposure ( % to AUM)
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
10.64% 10.28%
36.72%
21.02%21.33%
Debt Maturity Profile ( % of Debt)
Debt93.08%
MM & Others6.92%
Asset Allocation (% to AUM)
AAA47.97%
AA+4.46%
Gilts47.56%
Debt Rating Profile (% of Debt)
9.70
10.70
11.70
12.70
13.70
14.70
15.70
16.70
Mar‐09
Jul‐09
Oct‐09
Jan‐10
Apr‐10
Jul‐10
Oct‐10
Feb‐11
May‐11
Aug‐11
Nov‐11
Feb‐12
May‐12
Aug‐12
Dec‐12
Mar‐13
Jun‐13
Sep‐13
Dec‐13
Mar‐14
Jul‐14
Oct‐14
Jan‐15
Apr‐15
Jul‐15
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
NAV Benchmark
Modified Duration ‐ 3.77 yrs
Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionIndividual Pension Fund ‐ Bond 1.03% 1.42% 2.74% 10.51% 10.04% 8.82% 7.53%
Benchmark 1.20% 1.68% 3.12% 11.38% 10.66% 8.91% 7.57%
14.30%
6.32%
6.04%
6.04%
5.93%
4.15%
3.97%
2.05%
Infrastructure
Manufacture of coke and refined petroleum products
Civil engineering
Housing Sector
Financial & Insurance Activities
Manufacture of rubber and plastics products
Manufacture of Basic Metals
Water transport
Top 10 Industry Exposure ( % to AUM)
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
10.64% 10.28%
36.72%
21.02%21.33%
Debt Maturity Profile ( % of Debt)
Debt93.08%
MM & Others6.92%
Asset Allocation (% to AUM)
AAA47.97%
AA+4.46%
Gilts47.56%
Debt Rating Profile (% of Debt)
9.70
10.70
11.70
12.70
13.70
14.70
15.70
16.70
Mar‐09
Jul‐09
Oct‐09
Jan‐10
Apr‐10
Jul‐10
Oct‐10
Feb‐11
May‐11
Aug‐11
Nov‐11
Feb‐12
May‐12
Aug‐12
Dec‐12
Mar‐13
Jun‐13
Sep‐13
Dec‐13
Mar‐14
Jul‐14
Oct‐14
Jan‐15
Apr‐15
Jul‐15
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
NAV Benchmark
Modified Duration ‐ 3.77 yrs
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
January 30, 2014 ULIF 020 11/12/13 SUD‐LI‐BN2 142
Products : AUM :
Rs. 61.84 Cr
Portfolio % to AUM
`
Debt 92.16% Minimum Maximum
Gilts & SDL 58.42% 70% 100% 92.16%
GOI 52.65% 0% 30% 7.84%
SDL ‐ TAMIL NADU 3.21%
SDL ‐ KERALA 1.28%
SDL MAHARASHTRA 1.28%
SDL (with < 1% exposure) 0.00%
Corporate Bonds 33.75%
HDFC LTD. 5.64%
LARSEN & TOUBRO LTD. 5.11%
RURAL ELECTRIFICATION CORPORATION L 4.85%
VEDANTA LIMITED 3.60%
STEEL AUTHORITY OF INDIA LTD. 1.95%
POWER GRID CORPORATION OF INDIA LTD 1.89%
TATA SONS LTD. 1.67%
FULLERTON INDIA CREDIT COMPANY LTD. 1.65%
L&T HOUSING FINANCE LIMITED 1.65%
CRISIL Liquid Fund Index ‐ 15%
MM & Others
For Dhan Suraksha Plus & Wealth Builder Plan
Asset Mix
ParticularsInvestment Pattern
Actual
Debt
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.
Benchmark :
CRISIL Composite Bond Index ‐ 85%
INDIVIDUAL LIFE INCOME FUND - JULY 2015
Debt92.16%
MM & Others7.84%
Asset Allocation (% to AUM)
AAA26.22%
Debt Rating Profile (% of Debt)
THE GREAT EASTERN SHIPPING CO. LTD. 1.18%
THE INDIAN HOTELS COMPANY LTD. 1.15%
RELIANCE PORTS & TERMINALS LTD. 1.06%
Others (with < 1% exposure) 2.35%
MM & Others 7.84%
Total 100.00%
Debt92.16%
MM & Others7.84%
Asset Allocation (% to AUM)
AAA26.22%
AA1.97%
AA+8.43%
Gilts63.38%
Debt Rating Profile (% of Debt)
1‐3 years 3‐5 years 5‐10 years > 10 years
8.50%
13.27%
46.86%
31.36%
Debt Maturity Profile ( % of Debt)
9.50
10.00
10.50
11.00
11.50
12.00
Jan‐14
Feb‐14
Mar‐14
Apr‐14
May‐14
Jun‐14
Jul‐14
Aug‐14
Sep‐14
Oct‐14
Nov‐14
Dec‐14
Jan‐15
Feb‐15
Mar‐15
Apr‐15
May‐15
Jun‐15
Jul‐15
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
NAV Benchmark
Modified Duration ‐ 5.53 yrs
7.80%
7.28%
5.11%
4.20%
3.60%
2.61%
2.59%
1.18%
1.15%
0.82%
Infrastructure
Housing Sector
Civil engineering
Financial & Insurance Activities
Mining of metal ores
Manufacture of Basic Metals
FDCD Non Promoter Group
Water transport
Accommodation
Manufacture of coke and refined petroleum products
Top 10 Industry Exposure ( % to AUM)
Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionIndividual Life Income Fund 1.13% 0.95% 1.89% 10.81% ‐ ‐ 11.59%
Benchmark 1.17% 1.70% 3.18% 11.23% ‐ ‐ 11.64%
Debt92.16%
MM & Others7.84%
Asset Allocation (% to AUM)
AAA26.22%
AA1.97%
AA+8.43%
Gilts63.38%
Debt Rating Profile (% of Debt)
1‐3 years 3‐5 years 5‐10 years > 10 years
8.50%
13.27%
46.86%
31.36%
Debt Maturity Profile ( % of Debt)
9.50
10.00
10.50
11.00
11.50
12.00
Jan‐14
Feb‐14
Mar‐14
Apr‐14
May‐14
Jun‐14
Jul‐14
Aug‐14
Sep‐14
Oct‐14
Nov‐14
Dec‐14
Jan‐15
Feb‐15
Mar‐15
Apr‐15
May‐15
Jun‐15
Jul‐15
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
NAV Benchmark
Modified Duration ‐ 5.53 yrs
7.80%
7.28%
5.11%
4.20%
3.60%
2.61%
2.59%
1.18%
1.15%
0.82%
Infrastructure
Housing Sector
Civil engineering
Financial & Insurance Activities
Mining of metal ores
Manufacture of Basic Metals
FDCD Non Promoter Group
Water transport
Accommodation
Manufacture of coke and refined petroleum products
Top 10 Industry Exposure ( % to AUM)
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No. 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. 421.60 Cr
Portfolio % to AUM
Debt & MM 100.00% Minimum Maximum
Gilts & SDL 62.22% 60% 100% 62.22%
GOI 37.35% 0% 40% 37.78%
SDL KARNATAKA 11.97%
SDL GUJARAT 6.40%
SDL ‐ HARYANA 3.73%SDL ‐ MADHYA PRADESH 1.20%SDL MAHARASHTRA 1.18%SDL (with < 1% exposure) 0.39%
MM & Others 37.78%
DISCONTINUED POLICIES FUND - JULY 2015
Government Securties
MM & Others
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
CRISIL Short Term Gilt Index 65% & CRISIL Liquid Index
35% *
ParticularsInvestment Pattern
Actual
MM & Others37.78%
Asset Allocation( % to AUM)
69.74%
Debt Maturity Profile ( % of Debt)
Modified Duration ‐ 1.13 yrs
Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since Inception
Discontinued Policies Fund 0.61% 1.91% 3.63% 8.62% 8.92% 7.92% 8.03%
Benchmark 0.64% 2.04% 3.98% 8.91% 9.50% 8.38% 8.48%
Note: * Crisil Liquid Index 100% upto May 2013
CRISIL Short Term Gilt Index 65% & CRISIL Liquid Index 35% from June 13 onwards
Govt. Securties62.22%
MM & Others37.78%
Asset Allocation( % to AUM)
9.80
10.10
10.40
10.70
11.00
11.30
11.60
11.90
12.20
12.50
12.80
13.10
13.40
13.70
14.00
Nov‐
11
Feb‐
12
May‐
12
Aug‐
12
Nov‐
12
Feb‐
13
May‐
13
Sep‐
13
Dec‐
13
Mar‐
14
Jun‐14
Sep‐
14
Dec‐
14
Apr‐
15
Jul‐15
NAV/U
NIT (R
s)
NAV Performance (Since Nov 01, 2011)
NAV Benchmark
< 1 year > 10 years 1‐3 years 3‐5 years 5‐10 years
17.15%
1.89%
69.74%
8.62%2.60%
Debt Maturity Profile ( % of Debt)
Modified Duration ‐ 1.13 yrs
Trademark used under licence from respective owners.
Trademark used under licence from respective owners.
Risk Factors
• This document has been prepared for providing general information only.
• Unit Linked Life Insurance products are different from traditional insurance products and
are subject to various risk factors.
• 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.
• Customers should take into account their personal investment objectives, risk appetite
and other aspects of their financial situation before making an investment decision.
• Customers are advised to note that the details are based on past performance and are
not indicative of its future prospects or returns.
• SUD Life shall not be responsible for any losses caused or any claims that arise due to
investments made based on this document.
• 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.
Trademark used under licence from respective owners.
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 Pension Apex Life funds, Blue Chip Equity Fund, Growth Plus Fund, Balanced Plus Fund and Individual Life Express Balanced Fund related to Equity, Growth and Balanced schemes, 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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