Fact Sheet Ver.02 - January-2015 - SUD Life Fact Sheet January 2015.pdf · Fact Sheet January –...

Fact Sheet

January – 2015

InveSTAR

MONTHLY REPORT – JANUARY’2015

From the Desk of Chief Investment Officer…

On the back of softening inflation and with a need to push economic growth, RBI cut Repo Rate (Benchmark Interest Rate) by 0.25% to 7.75% on 15th Jan’2015, ahead of the scheduled Monetary Policy Review due on 3rd Feb. Subsequently in the monetary policy review, Statutory Liquidity Ratio (SLR) was cut by 0.5% to 21.5% and the Repo Rate was kept unchanged awaiting fresh data on inflation, GDP growth and the Union Budget. On the fiscal front, Government managed to raise about Rs.24,000 cr from stake sale in Coal India Ltd, narrowing shortfall in the disinvestment target. However, due to slippages in tax revenues, meeting fiscal deficit target appears challenging, despite lower subsidy burden on the back of fall in crude prices. Other important economic events are Spectrum and Coal Block auctions. Union Budget is keenly awaited and may influence direction of the Financial Markets. On international front: • For the quarter ended Dec.’14, US economic growrth slowed-down significantly

below the consensus forecasts down to 2.6% (QoQ) vs. 5.0% during the quarter ended Sept.’14.

• China's GDP growth for the quarter ended Dec.‘14 remained weak at 7.3% yoy. • To fight deflation and to push growth, ECB announced quantitative easing

programme aggregating €1.1-trn. involving monthly Bond buying of €60 bn. till Sept.’16. This being supportive to the Global liquidity is positive for Indian Markets.

• Anti-austerity Syriza party in Greece won election. This was somewhat negative for Global risk appitite but without a significant impact on the financial markets.

Equity Market Outlook

After peaking out towards the end of Jan.’15, market witnessed correction in Feb.’15 with the concerns over weak corporate results for the third quarter, Global slowdown, large issuances – Coal India and HDFC Bank and Delhi elections. At about 16.5 X to FY16 estimated earnings, Nifty is trading above its long-term average. However, in an overall bullish trend, markets have potential for further up-move, especially ahead of the Union Budget. The correction is therefore seen as buying opportunity. Debt Market Outlook Post Monetary action by RBI on 15th Jan’15, Bond Yields dropped and 10 year Benchmark G-sec. yield closed at 7.69% as at Jan.’15 end as against 7.86% as at Dec.’14 end. Interest Rates (Bond Yields) are expected to maintain downward trajectory over medium to long term.

Performance Summary as on January 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

Absolute CAGR

20.71% 18.42%

25/02/2009 71.78 32.01 14.06%

25/02/2009 151.54 29.15 13.62% 39.69%

20/01/2010 726.58 17.67 12.53% 46.03% 22.82%

35.23% 18.40%

40.76%

46.09% 22.14%

19.73%

17.51%

18.25%

16.40%

31/03/2009 39.56 27.29 12.94%

12.46%

44.48% 23.22% 20.33%

17.51% 16.40%

35.40% 17.51%17.27 12.40% 39.46% 20.24% 18.02%

19.73%

18.75%

31/03/2009 39.23 23.51 9.76%

20/01/2010 729.88 11.46%

20/01/2010 498.62 16.65 11.73% 31.13%11.34% 16.79% 15.41%

17.03% 15.76%

19.64%

29.45% 15.23%

1 Year6 Month

40.76%

35.40%

40.76%

35.40%

12.26% 45.21% 23.19%

11.98% 36.80% 20.78%

40.76%

35.40%

10.80%

10.39%

9.86%

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

20.30%19.66% 21.58%

11.97%

11.18%

18.25%

16.40%

10.66%

11.97%20.11%

19.73% 18.25%

18.57%

19.73%

17.51%

20.76%

Inception dateAUM (Rs. Cr)

NAV (Rs.)

13.12%

12.46%

13.12%

12.46%

13.12%

13.12%

12.46%

17.68%

18.98%

16.70%

10.80%

10.39%

20/01/2010 97.81 17.66

20/01/2010 109.29 17.04

18.25%

16.40%

14.45%

1

2

3

4

5

6

7

8

9

InveSTAR

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 3421.82

18/02/2009 35.93 20.05 8.55% 21.80% 12.75% 12.30% 12.39%

25/02/2009 12.08 15.51 7.76% 13.94% 9.22% 9.45% 7.76%9.27% 9.27%

31/03/2009 21.11 19.31 9.75% 23.57% 13.60% 11.92%

31/03/2009 5.73 15.42 7.57% 13.43% 9.20% 9.33% 7.69%

12.88%

9.27%

12.44%12.90%

8.67% 15.26% 9.10% 8.29%14.75% 9.27% 9.66%

12.88%

8.11% 8.11%9.56%4.74% 8.55%

17.21% 15.92% 10.39%

8.86% 9.22% 7.98%

24.05% 13.31% 13.05% 10.95%

29.45%

14.75%

23.69%10.19%

15.23%

9.27%

12.88%

14.45%30.19%

14.75%

03/06/2011 334.68 12.89 4.81% 9.53% 7.89%

29/04/2011 61.53 14.78 10.03%

20/01/2010 47.93 16.45 10.00%

20/01/2010 20.45 14.71 8.45%

23.69% 11.98%12.44%

8.52%

10.19%

8.01%

10.19%

8.01%

8.01%

11.34%

8.01%

7.57%

11.71%

7.67%

14

15

16

8.05%

9.86%

8.05%

10.26%

14.75%

23.69%

14.82%

20/01/2010 193.35 14.93

17

18

9.27%

12.44%

8.51%

9.27%

9.27%

10

11

12

13

NA 37.47% 38.25%

20 1/29/2014 59.06 13.38 10.43% 12.46% 33.61% 35.40% NA NA NA NA 33.81% 34.88%

19 1/29/2014 49.79 13.75 10.90%

10.19% 24.33% 23.69%

NA NA NA12.63% 37.41% 38.84%

NA NA NA NA 24.63% 23.41%

22 1/29/2014 45.60 11.57 8.75% 7.80% 15.21% 14.43% NA NA NA NA 15.71% 14.33%

21 1/29/2014 70.30 12.46 9.00%

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

ULIF 006 31/03/09 SUD‐PI‐GR1 142

Growth Plus Fund

GROWTH FUND

10

EQUITY FUND

5

Dhan

Suraksha Plus

Wealth Builder

Plan

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

6

7

8

9

Mapping of Funds and Products (Funds representing the underlying Products)

1

2

3

4

Product Name (UIN)

Dhan SurakshaDhan Suraksha

PremiumPrabhat Tara

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

DISCONTINUED FUND

BOND FUND

21

BALANCED FUND

16

10

19

11

12

20

22

13

14

15

17

18

Investment Objective :

Date of Inception : SFIN No.

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

Products: AUM :

Rs. 726.58 Cr

Portfolio % to AUM

`

Equity 96.10% Minimum Maximum

Infosys Technologies Ltd. 6.84% 80% 100% 96.10%

ICICI Bank Ltd 6.37% 0% 20% 3.90%

Larsen & Toubro Limited 6.37%

State Bank of India 4.65%

Reliance Industries Ltd 4.57%

Tata Motors Limited 4.32%

ITC Ltd. 3.99%

Axis Bank Limited 3.89%

Bharti Airtel Limited 3.13%

Tata Consultancy Services Limited 2.95%

HDFC Bank Ltd 2.94%

Tech Mahindra Limited 2.67%

Oil & Natural Gas Corpn Ltd 2.61%

Sun Pharmaceuticals Industries Ltd 2.34%

Housing Development Finance Corporation Ltd. 2.28%

Hindustan Petroleum Corporation Ltd. 2.21%

Grasim Industries Ltd. 2.19%

APEX EQUITY FUND -JANUARY 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 & Others3.90%

Asset Allocation (% to AUM)


IndusInd Bank Limited 2.12%

Wipro Ltd 2.11%

Power Grid Corporation of India Limited 2.11%

Mahindra & Mahindra Ltd. 1.99%

HCL Technologies Ltd 1.99%

Power Finance Corporation Limited 1.99%

Maruti Suzuki India Limited 1.80%

Aditya Birla Nuvo Limited 1.78%

Hindalco Industries Ltd. 1.39%

ACC Limited 1.20%

Tata Steel Limited 1.10%

Infrastructure Development Finance Company Limited 1.08%

Exide Industries Ltd. 1.02%

Dr. Reddys Laboratories Ltd. 1.01%

Idea Cellular Limited 1.00%

Bank of Baroda 1.00%

Others (with < 1% exposure) 7.08%

MM & Others 3.90%

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 6.02% 4.57% 12.53% 46.03% 22.82% 20.11% 11.97%

23.55%

16.57%

10.47%

8.12%

7.30%

6.37%

4.45%

3.99%

3.23%

3.09%

Financial & Insurance Activities

Computer programming, consultancy and related activities

Infrastructure

Manufacture of motor vehicles, trailers and semi‐trailers

Manufacture of coke and refined petroleum products

Civil engineering

Manufacture of pharmaceuticals,medicinal chemical and botanical products

Manufacture of tobacco products

Manufacture of chemicals and chemical products

Extraction of crude petroleum and natural gas

Top 10 Industry Exposure ( % to AUM)

Equity96.10%

MM & Others3.90%


8.59.09.510.010.511.011.512.012.513.013.514.014.515.015.516.016.517.017.518.018.5

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

NAV/U

NIT (Rs)

NAV Performance (Since Inception)

NAV Benchmark

Benchmark 5.79% 5.49% 13.12% 40.76% 19.73% 18.25% 10.80%

23.55%

16.57%

10.47%

8.12%

7.30%

6.37%

4.45%

3.99%

3.23%

3.09%



Infrastructure



Civil engineering






Equity96.10%

MM & Others3.90%


8.59.09.510.010.511.011.512.012.513.013.514.014.515.015.516.016.517.017.518.018.5

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

NAV/U

NIT (Rs)


NAV Benchmark

Investment Objective:


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

Products : AUM:

Rs. 71.78 Cr

Portfolio % to AUM

`



Larsen & Toubro Limited 6.66% 0% 20% 6.58%

ICICI Bank Ltd 5.17%


ITC Ltd. 4.39%


HDFC Bank Ltd 4.00%



Yes Bank Limited 3.30%









Equity

MM & Others

For Dhan Suraksha, Dhan Suraksha Premium, Prabhat

Tara.

EQUITY FUND - JANUARY 2015

To tap growth opportunities for long term capital appreciation through investments primarily in equity and

equity‐related instruments.


Asset Mix

Particulars

Benchmark :



MM & Others6.58%



Lupin Limited 2.18%








Wipro Ltd 1.69%

ACC Limited 1.68%


MM & Others 6.58%

Total 100.00%

`

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

Equity Fund 6 86% 5 06% 14 06% 46 09% 22 14% 19 66% 21 58%

22.26%

16.30%

10.14%

8.79%

6.66%

6.35%

4.88%

4.39%

3.40%

2.76%



Infrastructure


Civil engineering


Manufacture of pharmaceuticals,medicinal chemical …




Top 10 Industry Exposure (% to AUM)

Equity93.42%

MM & Others6.58%


9

10.5

12

13.5

15

16.5

18

19.5

21

22.5

24

25.5

27

28.5

30

31.5

33

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

NAV/U

NIT (Rs)


NAV Benchmark

Equity Fund 6.86% 5.06% 14.06% 46.09% 22.14% 19.66% 21.58%

Benchmark 5.79% 5.49% 13.12% 40.76% 19.73% 18.25% 20.30%

22.26%

16.30%

10.14%

8.79%

6.66%

6.35%

4.88%

4.39%

3.40%

2.76%



Infrastructure


Civil engineering






Top 10 Industry Exposure (% to AUM)

Equity93.42%

MM & Others6.58%


9

10.5

12

13.5

15

16.5

18

19.5

21

22.5

24

25.5

27

28.5

30

31.5

33

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

NAV/U

NIT (Rs)


NAV Benchmark



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

Products : AUM :

Rs. 97.81 Cr

Portfolio % to AUM

`



ICICI Bank Ltd 6.95% 0% 20% 7.41%


ITC Ltd. 5.68%







Wipro Ltd 2.99%







HDFC Bank Ltd 2.26%

Power Grid Corporation of India Limited 2 12%

INDIVIDUAL PENSION FUND APEX EQUITY - JANUARY 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 :



MM & Others7.41%








Dr. Reddys Laboratories Ltd. 1.59%

ACC Limited 1.52%

ASIAN PAINTS LTD. 1.40%

Tata Steel Limited 1.08%Others (with < 1% exposure) 6.01%

MM & Others 7.41%

Total 100.00%

`

Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionIndividual Pension Fund ‐ Apex Equity 6.20% 4.39% 12.26% 45.21% 23.19% 20.76% 11.97%Benchmark 5.79% 5.49% 13.12% 40.76% 19.73% 18.25% 10.80%

22.39%

15.60%

8.75%

7.77%

7.45%

5.96%

5.68%

5.46%

3.91%

2.33%




Infrastructure


Civil engineering






Equity92.59%

MM & Others7.41%


9.09.510.010.511.011.512.012.513.013.514.014.515.015.516.016.517.017.518.018.519.019.520.0

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

NAV/U

NIT (Rs)


NAV Benchmark



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

Products : AUM :

Rs. 39.56 Cr

Portfolio % to AUM

`





ITC Ltd. 4.91%



HDFC Bank Ltd 4.26%









Lupin Limited 2.54%




INDIVIDUAL PENSION FUND EQUITY - JANUARY 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


Actual

Benchmark :



Equity

MM & Others7.21%






ACC Limited 1.87%




Wipro Ltd 1.43%

Hindalco Industries Ltd. 1.07%Others (with < 1% exposure) 1.45%

MM & Others 7.21%

Total 100.00%

`

Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionIndividual Pension Fund ‐ Equity 6.88% 4.92% 12.94% 44.48% 23.22% 20.33% 18.75%Benchmark 5.79% 5.49% 13.12% 40.76% 19.73% 18.25% 18.98%

21.53%

16.44%

9.44%

9.11%

7.28%

6.79%

4.99%

4.91%

3.63%

2.51%




Infrastructure

Civil engineering







Equity92.79%

MM & Others7.21%


9.5

11.5

13.5

15.5

17.5

19.5

21.5

23.5

25.5

27.5

29.5

Mar‐…

Jul‐09

Oct‐09

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

NAV/U

NIT (Rs)


NAV Benchmark

21.53%

16.44%

9.44%

9.11%

7.28%

6.79%

4.99%

4.91%

3.63%

2.51%




Infrastructure

Civil engineering







Equity92.79%

MM & Others7.21%


9.5

11.5

13.5

15.5

17.5

19.5

21.5

23.5

25.5

27.5

29.5

Mar‐…

Jul‐09

Oct‐09

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

NAV/U

NIT (Rs)


NAV Benchmark



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

Products : AUM :

Rs. 49.79 Cr

Portfolio % to AUM





ITC Ltd. 4.33%

HDFC Bank Ltd 4.05%









Wipro Ltd 2.01%



Cipla Ltd. 1.60%


Housing Development Finance Corporation Ltd 1 47%

INDIVIDUAL BLUE CHIP EQUITY - JANUARY 2015

MM & Others

Asset Mix


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 :



MM & Others15.79%






LIC Housing Finance Ltd 1.15%

Bank of Baroda 1.15%

Tata Power Co. Ltd. 1.09%

Zee Entertainment Enterprises Ltd 1.06%



Exide Industries Ltd. 1.01%Others (with < 1% exposure) 15.92%

MM & Others 15.79%

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 4.94% 3.54% 10.90% 37.41% ‐ ‐ 37.47%Benchmark 5.51% 5.31% 12.63% 38.84% ‐ ‐ 38.25%

20.56%

13.34%

8.91%

6.82%

5.15%

4.99%

4.93%

4.33%

3.64%

2.97%



Infrastructure




Civil engineering





Equity84.21%

MM & Others15.79%


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‐…

Mar‐…

Apr‐…

May…

Jun‐14

Jul‐14

Aug‐…

Sep‐…

Oct‐…

Nov‐…

Dec‐…

Jan‐15

NAV/U

NIT (Rs)


NAV Benchmark



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

Products : AUM :

Rs. 729.88 Cr

Portfolio % to AUM

`


ICICI Bank Ltd 5.21% 55% 85% 70.05%



Infosys Technologies Ltd. 3.92%



HDFC Bank Ltd 2.63%



ITC Ltd. 2.24%













APEX GROWTH FUND - JANUARY 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.


Asset Mix

Particulars




Benchmark :


CRISIL Composite Bond Index ‐ 30%

Debt24.65%

Equity70.05%

MM & Others5.30%


Gilt36.56%

AA+10.44%

AA3.30%

AA‐1.13%

Debt Rating Profile (% of Debt)


Wipro Ltd 1.48%




Debt 24.65%

Gilts & SDL 9.01%

GOI 8.06%

SDL (with < 1% exposure) 0.95%

Corporate Bonds 15.64%

RURAL ELECTRIFICATION CORPORATION L 1.97%

POWER FINANCE CORPORATION LTD. 1.96%

POWER GRID CORPORATION OF INDIA LTD 1.88%


MM & Others 5.30%

Total 100.00%

`

Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionApex Growth Fund 5.10% 5.01% 12.40% 39.46% 20.24% 18.02% 11.46%Benchmark 4.98% 5.51% 12.46% 35.40% 17.51% 16.40% 10.39%

23.32%

14.03%

11.55%

6.67%

5.56%

4.57%

3.13%

2.65%

2.54%

2.24%


Infrastructure




Civil engineering

Manufacture of pharmaceuticals,medicinal chemical and …


Manufacture of Basic Metals



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

4.92% 6.17%

14.42%

53.72%

20.77%

Debt Maturity Profile ( % of Debt)

Debt24.65%

Equity70.05%

MM & Others5.30%


Gilt36.56%

AAA48.56%

AA+10.44%

AA3.30%

AA‐1.13%


Modified Duration ‐ 4.22 yrs

9.5

10.5

11.5

12.5

13.5

14.5

15.5

16.5

17.5

18.5

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

NAV/U

NIT (Rs)


NAV Benchmark



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

Products : AUM:

Rs. 151.54 Cr

Portfolio % to AUM

`







HDFC Bank Ltd 3.48%

ITC Ltd. 3.15%














HCL Technologies Ltd 1 50%

Equity

Debt, MM & Others




Asset Mix

Particulars

For Dhan Suraksha, Dhan Suraksha Premium, Prabhat Tara

& Dhan Suraksha Express.

Benchmark :



GROWTH FUND - JANUARY 2015

Gilt36 51%

AA+

AA10.24%


Debt21.12%

Equity73.40%

MM & Others5.48%





Lupin Limited 1.18%


Power Finance Corporation Limited 1.12%Others (with < 1% exposure) 7.04%

Debt 21.12%

Gilts & SDL 7.71%

GOI 6.33%



STEEL AUTHORITY OF INDIA LTD. 2.19%


RELIANCE PORTS & TERMINALS LTD. 1.45%

THE INDIAN HOTELS COMPANY LTD. 1.35%

TATA CAPITAL FINANCIAL SERVICES LTD 1.32%Others (with < 1% exposure) 5.37%

MM & Others 5.48%

Total 100.00%

`

22.84%

12.78%

11.11%

6.43%

6.04%

5.23%

4.16%

3.65%

3.15%

2.70%



Infrastructure



Civil engineering







9.77%

13.73% 13.43%

38.49%

24.57%


Gilt36.51%

AAA47.00%

AA+6.26%

AA10.24%


9.0010.5012.0013.5015.0016.5018.0019.5021.0022.5024.0025.5027.0028.5030.00

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

NAV/U

NIT (Rs)

NAV Performance (Since Inception)NAV Benchmark

Debt21.12%

Equity73.40%

MM & Others5.48%



Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionGrowth Fund 5.68% 5.36% 13.62% 39.69% 20.71% 18.42% 19.64%Benchmark 4.98% 5.51% 12.46% 35.40% 17.51% 16.40% 17.68%

22.84%

12.78%

11.11%

6.43%

6.04%

5.23%

4.16%

3.65%

3.15%

2.70%



Infrastructure



Civil engineering







9.77%

13.73% 13.43%

38.49%

24.57%


Gilt36.51%

AAA47.00%

AA+6.26%

AA10.24%


9.0010.5012.0013.5015.0016.5018.0019.5021.0022.5024.0025.5027.0028.5030.00

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

NAV/U

NIT (Rs)


Debt21.12%

Equity73.40%

MM & Others5.48%





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

Products : AUM :

Rs. 109.29 Cr

Portfolio % to AUM

`




HDFC Bank Ltd 4.27%






ITC Ltd. 2.90%









Lupin Limited 1.74%



id i f di i i d %

INDIVIDUAL PENSION FUND APEX GROWTH - JANUARY 2015

Equity


Debt, MM & Others

To seek consistent growth over medium to long term by focusing predominantly on well established

companies through investments primarily in equity and equity‐related instruments and fair exposure to high

credit quality portfolio of debt and money market instruments.

Asset Mix


Actual

Benchmark :



Debt20.76%

Equity72.00%

MM & Others7.24%


Gilt19.61%

AA2.28%






Wipro Ltd 1.00%


Debt 20.76%

Gilts & SDL 4.07%

GOI 3.12%SDL (with < 1% exposure) 0.95%




HDFC LTD. 1.55%

TATA SONS LTD. 1.22%

LIC HOUSING FINANCE LTD 1.13%Others (with < 1% exposure) 6.83%

MM & Others 7.24%

Total 100.00%

`

22.82%

14.35%

12.61%

6.20%

6.08%

5.81%

3.98%

2.90%

2.73%

2.70%


Infrastructure


Civil engineering








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

21.17%

10.13%

63.00%

5.70%


Debt20.76%

Equity72.00%

MM & Others7.24%


Gilt19.61%

AAA78.12%

AA2.28%


9.09.510.010.511.011.512.012.513.013.514.014.515.015.516.016.517.0

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

NAV/U

NIT (Rs)


NAV Benchmark


Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionIndividual Pension Fund ‐ Apex Growth 5.44% 4.76% 11.98% 36.80% 20.78% 18.57% 11.18%Benchmark 4.98% 5.51% 12.46% 35.40% 17.51% 16.40% 10.39%

22.82%

14.35%

12.61%

6.20%

6.08%

5.81%

3.98%

2.90%

2.73%

2.70%


Infrastructure


Civil engineering








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

21.17%

10.13%

63.00%

5.70%


Debt20.76%

Equity72.00%

MM & Others7.24%


Gilt19.61%

AAA78.12%

AA2.28%


9.09.510.010.511.011.512.012.513.013.514.014.515.015.516.016.517.0

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

NAV/U

NIT (Rs)


NAV Benchmark




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

Products : AUM :

Rs. 39.23 Cr

Portfolio % to AUM

`







ITC Ltd. 4.14%


HDFC Bank Ltd 3.62%















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


Benchmark :



INDIVIDUAL PENSION FUND GROWTH - JANUARY 2015

Equity

Debt, MM & Others


Actual

Gilt18.25%

AA12.89%


Debt24.17%

Equity72.07%

MM & Others3.76%


Debt 24.17%

Gilts & SDL 4.41%GOI 2.37%


Corporate Bonds 19.76%INDIAN OIL CORPORATION LTD 3.28%

THE GREAT EASTERN SHIPPING CO. LTD. 3.22%

IRFC LTD. 2.73%




MRF LTD. 1.28%Others (with < 1% exposure) 3.10%

MM & Others 3.76%

Total 100.00%

`

22.77%

12.12%

11.14%

7.57%

6.45%

4.98%

4.14%

3.86%

3.59%

3.22%


Infrastructure




Civil engineering




Water transport



13.50%

24.70%

28.19%

22.98%

10.64%


Gilt18.25%

AAA68.87%

AA12.89%


9.0

10.0

11.0

12.0

13.0

14.0

15.0

16.0

17.0

18.0

19.0

20.0

21.0

22.0

23.0

24.0

25.0

Mar‐09

Jul‐09

Oct‐09

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

NAV/U

NIT (Rs)


NAV Benchmark

Debt24.17%

Equity72.07%

MM & Others3.76%



Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionIndividual Pension Fund ‐ Growth 4.55% 3.71% 9.76% 35.23% 18.40% 17.03% 15.76%Benchmark 4.98% 5.51% 12.46% 35.40% 17.51% 16.40% 16.70%

22.77%

12.12%

11.14%

7.57%

6.45%

4.98%

4.14%

3.86%

3.59%

3.22%


Infrastructure




Civil engineering




Water transport



13.50%

24.70%

28.19%

22.98%

10.64%


Gilt18.25%

AAA68.87%

AA12.89%


9.0

10.0

11.0

12.0

13.0

14.0

15.0

16.0

17.0

18.0

19.0

20.0

21.0

22.0

23.0

24.0

25.0

Mar‐09

Jul‐09

Oct‐09

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

NAV/U

NIT (Rs)


NAV Benchmark

Debt24.17%

Equity72.07%

MM & Others3.76%





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

Products : AUM:

Rs. 59.06 Cr

Portfolio % to AUM

`



State Bank of India 3.66% 0% 60% 23.22%

ICICI Bank Ltd 3.52% 0% 30% 12.18%

ITC Ltd. 3.15%


HDFC Bank Ltd 3.04%










Cipla Ltd. 1.33%



Bharat Petroleum Corpn. Ltd 1.27%

Tech Mahindra Limited 1 12%

Benchmark :



GROWTH PLUS FUND - JANUARY 2015

For Dhan Suraksha Plus & Wealth Builder Plan.

Asset Mix


Actual

MM & Others

Equity

Debt



AA

AA+7.46%


Debt23.22%

Equity64.60%

MM & Others12.18%



HCL Technologies Ltd 1.09%Others (with < 1% exposure) 20.09%

Debt 23.22%

Gilts & SDL 11.88%

GOI 11.42%



HDFC LTD. 4.95%

SHRIRAM TRANSPORT FINANCE CO. LTD. 1.73%



MM & Others 12.18%

Total 100.00%

`

19.78%

8.79%

8.52%

5.82%

5.09%

4.96%

3.98%

3.15%

3.07%

3.07%


Infrastructure


Housing Sector





Civil engineering

Civil engineering


1‐3 years 3‐5 years 5‐10 years > 10 years

8.95%

26.22%

54.50%

10.33%



Gilt51.18%

AAA33.91%

AA7.45%

AA+7.46%


9.5

10

10.5

11

11.5

12

12.5

13

13.5

14

NAV/U

NIT (R

s)


NAV Benchmark

Debt23.22%

Equity64.60%

MM & Others12.18%


Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionGrowth Plus Fund 4.22% 3.97% 10.43% 33.61% ‐ ‐ 33.81%Benchmark 4.98% 5.51% 12.46% 35.40% ‐ ‐ 34.88%

19.78%

8.79%

8.52%

5.82%

5.09%

4.96%

3.98%

3.15%

3.07%

3.07%


Infrastructure


Housing Sector





Civil engineering

Civil engineering



8.95%

26.22%

54.50%

10.33%



Gilt51.18%

AAA33.91%

AA7.45%

AA+7.46%


9.5

10

10.5

11

11.5

12

12.5

13

13.5

14

NAV/U

NIT (R

s)


NAV Benchmark

Debt23.22%

Equity64.60%

MM & Others12.18%




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

Products : AUM :

Rs. 498.62 Cr

Portfolio % to AUM

`



ICICI Bank Ltd 3.46% 35% 65% 48.60%

Infosys Technologies Ltd. 3.22%Axis Bank Limited 3.08%Reliance Industries Ltd 2.72%

HDFC Bank Ltd 2.40%




ITC Ltd. 1.78%

Tech Mahindra Limited 1.63%Tata Consultancy Services Limited 1.52%







Lupin Limited 1.12%

Wipro Ltd 1.08%






Asset Mix

Particulars

APEX BALANCED FUND - JANUARY 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 :



Debt41.29%

Equity51.40%

MM & Others7.31%

Asset Allocation( % to AUM)

Gilt

AA+9.92%

AA4.75%

AA‐2.47%


Others (with 1% exposure) 8.48%

Debt 41.29%Gilts & SDL 15.20%

GOI 11.43%

SDL ‐ TAMIL NADU 1.91%





LIC HOUSING FINANCE LTD 1.87%



HINDALCO INDUSTRIES LTD. 1.14%

HDFC LTD. 1.10%

UNITED PHOSPHORUS LTD. 1.06%

RAYMOND LTD. 1.02%

HINDUSTAN PETROLEUM CORPORATION LTD 1.02%

M & M FINANCIAL SERVICES LTD. 1.00%


MM & Others 7.31%

Total 100.00%

`


20.73%

15.29%

8.77%

5.16%

4.22%

4.05%

2.97%

2.77%

2.58%

2.54%


Infrastructure



Civil engineering


Housing Sector






6.76% 5.50%

16.09%

55.08%

16.58%


Debt41.29%

Equity51.40%

MM & Others7.31%


Gilt36.81%

AAA46.06%

AA+9.92%

AA4.75%

AA‐2.47%


9

10

11

12

13

14

15

16

17

18

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

NAV/U

NIT (R

s)


NAV Benchmark


Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionApex Balanced Fund 4.37% 5.02% 11.73% 31.13% 16.79% 15.41% 10.66%Benchmark 4.05% 5.27% 11.34% 29.45% 15.23% 14.45% 9.86%

20.73%

15.29%

8.77%

5.16%

4.22%

4.05%

2.97%

2.77%

2.58%

2.54%


Infrastructure



Civil engineering


Housing Sector






6.76% 5.50%

16.09%

55.08%

16.58%


Debt41.29%

Equity51.40%

MM & Others7.31%


Gilt36.81%

AAA46.06%

AA+9.92%

AA4.75%

AA‐2.47%


9

10

11

12

13

14

15

16

17

18

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

NAV/U

NIT (R

s)


NAV Benchmark




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

Products : AUM :

Rs. 35.93 Cr

Portfolio % to AUM

`



ICICI Bank Ltd 2.44% 40% 100% 69.23%

ITC Ltd. 2.15%





HDFC Bank Ltd 1.50%



Oil & Natural Gas Corpn Ltd 1.27%Mahindra & Mahindra Ltd. 1.08%Tata Motors Limited 1.06%Power Grid Corporation of India Limited 1.03%Others (with < 1% exposure) 7.65%

Debt 61.95%

Gilts & SDL 18.77%

GOI 17.24%

SDL MAHARASHTRA 1.53%


BALANCED FUND - JANUARY 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.


Asset Mix

Particulars

For Dhan Suraksha, Dhan Suraksha Premium, Prabhat

Tara.

Benchmark :



Debt61.95%

Equity30.77%

MM & Others7.28%


Gilt30.29%

AA6.88%

AA‐4.56%



LARSEN & TOUBRO LTD. 4.57%THE GREAT EASTERN SHIPPING CO. LTD. 4.40%THE INDIAN HOTELS COMPANY LTD. 4.27%

INDIAN OIL CORPORATION LTD 4.12%



RAYMOND LTD. 2.83%




IRFC LTD. 2.29%


HDB FINANCIAL SERVICES LTD 1.44%

HDFC LTD. 1.39%



MM & Others 7.28%

Total 100.00%

`

15.72%

11.90%

6.50%

5.46%

5.04%

4.40%

4.27%

3.91%

3.40%

2.95%

Infrastructure


Civil engineering



Water transport

Accommodation


Housing Sector




17.07%18.38% 18.52%

26.15%

19.89%

Debt Maturity Profile (% of Debt)

Debt61.95%

Equity30.77%

MM & Others7.28%


Gilt30.29%

AAA58.26%

AA6.88%

AA‐4.56%


9.510

10.511

11.512

12.513

13.514

14.515

15.516

16.517

17.518

18.519

19.520

20.521

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

Oct‐12

Jan‐13

Apr‐13

Jul‐13

Oct‐13

Jan‐14

Apr‐14

Jul‐14

Oct‐14

Jan‐15

NAV/U

NIT (Rs)




Balanced Fund 2.90% 4.00% 8.55% 21.80% 12.75% 12.30% 12.39%

Benchmark 3.13% 5.00% 10.19% 23.69% 12.88% 12.44% 11.98%

15.72%

11.90%

6.50%

5.46%

5.04%

4.40%

4.27%

3.91%

3.40%

2.95%

Infrastructure


Civil engineering



Water transport

Accommodation


Housing Sector




17.07%18.38% 18.52%

26.15%

19.89%

Debt Maturity Profile (% of Debt)

Debt61.95%

Equity30.77%

MM & Others7.28%


Gilt30.29%

AAA58.26%

AA6.88%

AA‐4.56%


9.510

10.511

11.512

12.513

13.514

14.515

15.516

16.517

17.518

18.519

19.520

20.521

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

Oct‐12

Jan‐13

Apr‐13

Jul‐13

Oct‐13

Jan‐14

Apr‐14

Jul‐14

Oct‐14

Jan‐15

NAV/U

NIT (Rs)





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

Products : AUM :

Rs. 47.93 Cr

Portfolio % to AUM

`




Axis Bank Limited 3.56%IndusInd Bank Limited 3.18%ITC Ltd. 2.96%



HDFC Bank Ltd 2.58%HCL Technologies Ltd 2.29%Oil & Natural Gas Corpn Ltd 1.91%

Mahindra & Mahindra Ltd. 1.50%Housing Development Finance Corporation Ltd. 2.25%

ICICI Bank Ltd 2.07%Grasim Industries Ltd. 1.99%Tata Motors Limited 1.95%Tata Consultancy Services Limited 1.45%Bharti Airtel Limited 1.13%Power Grid Corporation of India Limited 1.08%Sun Pharmaceuticals Industries Ltd 1.05%Others (with < 1% exposure) 6.42%

Debt 44.35%

Gilt & SDL 17 60%

INDIVIDUAL PENSION FUND APEX BALANCED - JANUARY 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


Actual

Benchmark :



Gilt39.67%

AA2.43%


Debt44.35%

Equity50.60%

MM & Others5.05%


Gilts & SDL 17.60%

GOI 15.42%


SDL ‐ Other States (with < 1% exposure) 0.00%



LARSEN & TOUBRO LTD. 4.27%


IL & FS LTD. 2.27%



HDFC LTD. 1.67%

RELIANCE GAS TRANSPORTN INFRA LTD. 1.14%



RELIANCE CAPITAL LTD. 1.05%

RURAL ELECTRIFICATION CORPORATION L 1.04%Others (with < 1% exposure) 1.38%

MM & Others 5.05%

Total 100.00%

`

20.81%

15.99%

8.54%

7.18%

4.22%

3.81%

3.55%

2.96%

2.81%

2.05%


Infrastructure


Civil engineering


Housing Sector




Manufacture of pharmaceuticals medicinal chemical

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

15.07%

3.58%

62.06%

19.29%


Gilt39.67%

AAA57.90%

AA2.43%


9.3

10.3

11.3

12.3

13.3

14.3

15.3

16.3

17.3

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

NAV/U

NIT (Rs)


NAV Benchmark

Debt44.35%

Equity50.60%

MM & Others5.05%



Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionIndividual Pension Fund ‐ Apex Balanced 4.23% 4.60% 10.00% 30.19% 17.21% 15.92% 10.39%Benchmark 4.05% 5.27% 11.34% 29.45% 15.23% 14.45% 9.86%

20.81%

15.99%

8.54%

7.18%

4.22%

3.81%

3.55%

2.96%

2.81%

2.05%


Infrastructure


Civil engineering


Housing Sector





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

15.07%

3.58%

62.06%

19.29%


Gilt39.67%

AAA57.90%

AA2.43%


9.3

10.3

11.3

12.3

13.3

14.3

15.3

16.3

17.3

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

NAV/U

NIT (Rs)


NAV Benchmark

Debt44.35%

Equity50.60%

MM & Others5.05%





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

Products : AUM :

Rs. 21.11 Cr

Portfolio % to AUM

`



ICICI Bank Ltd 2.35% 40% 100% 69.77%


State Bank of India 2.17%ITC Ltd. 2.11%








ACC Limited 1.11%


HDFC Bank Ltd 1.02%




Debt 63.70%

Gilts & SDL 29.64%

GOI 14 54%

INDIVIDUAL PENSION FUND BALANCED - JANUARY 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.

Asset Mix


Actual

Benchmark :




Debt63.70%

Equity30.23%

MM & Others6.07%


GOI 14.54%

SDL ‐ TAMIL NADU 7.44%SDL MAHARASHTRA 5.12%SDL ‐ KERALA 2.54%SDL (with < 1% exposure) 0.00%


LIC HOUSING FINANCE LTD 4.88%THE INDIAN HOTELS COMPANY LTD. 4.84%RURAL ELECTRIFICATION CORPORATION L 3.37%

HDFC LTD. 2.99%

TATA STEEL LTD. 2.85%



MRF LTD. 2.39%


IRFC LTD. 1.42%

IL & FS LTD. 1.02%


MM & Others 6.07%

Total 100.00%

`

13.96%

10.18%

7.86%

4.84%

4.66%

3.22%

3.15%

3.01%

2.49%

2.39%

Infrastructure


Housing Sector

Accommodation



Civil engineering


Water transport

Manufacture of rubber and plastics products



12.10%

18.95%

4.72%

40.22%

24.02%

Debt Maturity Profile ( % of Debt)Modified Duration ‐ 4.14 yrs

Gilt46.52%

AAA41.41%

AA12.07%


9.510

10.511

11.512

12.513

13.514

14.515

15.516

16.517

17.518

18.519

19.520

Mar‐…

Jul‐09

Oct‐09

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

NAV/U

NIT (R

s)


NAV Benchmark

Debt63.70%

Equity30.23%

MM & Others6.07%


Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionIndividual Pension Fund ‐ Balanced 3.07% 4.43% 9.75% 23.57% 13.60% 12.90% 11.92%

Benchmark 3.13% 5.00% 10.19% 23.69% 12.88% 12.44% 11.71%

13.96%

10.18%

7.86%

4.84%

4.66%

3.22%

3.15%

3.01%

2.49%

2.39%

Infrastructure


Housing Sector

Accommodation



Civil engineering


Water transport




12.10%

18.95%

4.72%

40.22%

24.02%

Debt Maturity Profile ( % of Debt)Modified Duration ‐ 4.14 yrs

Gilt46.52%

AAA41.41%

AA12.07%


9.510

10.511

11.512

12.513

13.514

14.515

15.516

16.517

17.518

18.519

19.520

Mar‐…

Jul‐09

Oct‐09

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

NAV/U

NIT (R

s)


NAV Benchmark

Debt63.70%

Equity30.23%

MM & Others6.07%



Date of Inception : SFIN No. Benchmark :

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


Products : AUM :

For Dhan Suraksha Express Rs. 61.53Cr

Portfolio % to AUM

`


HDFC Bank Ltd 1.75% 0% 60% 28.39%

Axis Bank Limited 1.67% 40% 100% 71.61%


Infosys Technologies Ltd. 1.62%Reliance Industries Ltd 1.56%ICICI Bank Ltd 1.32%State Bank of India 1.25%



ITC Ltd. 1.02%



Debt 64.83%

Gilts & SDL 24.42%

GOI 20.17%



Other SDL 0.87%




EXPRESS BALANCED FUND - JANUARY 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


Actual

Gilt

AA+11.61%

AA2.56%


Debt64.83%

Equity28.39%

MM & Others6.78%




FULLERTON INDIA CREDIT COMPANY LTD. 3.37%

IL & FS LTD. 3.17%



SESA STERLITE LTD. 2.47%RELIANCE PORTS & TERMINALS LTD. 2.33%TATA SONS LTD. 2.03%THE INDIAN HOTELS COMPANY LTD. 1.66%HINDUSTAN PETROLEUM CORPORATION LTD 1.65%NATIONAL BANK FOR AGRI & RURAL DEVE 1.32%HDFC LTD. 1.19%LARSEN & TOUBRO LTD. 1.00%


MM & Others 6.78%

Total 100.00%

`

21.25%

15.82%

4.88%

3.72%

3.70%

3.42%

2.67%

2.62%

2.28%

1.68%

Infrastructure



Housing Sector


Water transport

Mining of metal ores

Civil engineering





2.52%

12.09%

17.57%

50.87%

16.95%


Gilt37.67%

AAA48.15%

AA+11.61%

AA2.56%


9.5

10.5

11.5

12.5

13.5

14.5

15.5

Apr‐11

Jun‐11

Jul‐11

Sep‐11

Oct‐11

Dec‐11

Jan‐12

Mar‐12

Apr‐12

Jun‐12

Jul‐12

Sep‐12

Oct‐12

Dec‐12

Jan‐13

Mar‐13

Apr‐13

Jun‐13

Jul‐13

Aug‐13

Oct‐13

Nov‐13

Jan‐14

Feb‐14

Apr‐14

May‐14

Jul‐14

Aug‐14

Oct‐14

Nov‐14

Jan‐15

NAV/U

NIT (Rs)


NAV Benchmark

Debt64.83%

Equity28.39%

MM & Others6.78%



Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionExpress Balanced Fund 3.16% 4.68% 10.03% 24.05% 13.31% 13.05% 10.95%Benchmark 3.13% 5.00% 10.19% 23.69% 12.88% 12.44% 10.26%

21.25%

15.82%

4.88%

3.72%

3.70%

3.42%

2.67%

2.62%

2.28%

1.68%

Infrastructure



Housing Sector


Water transport


Civil engineering





2.52%

12.09%

17.57%

50.87%

16.95%


Gilt37.67%

AAA48.15%

AA+11.61%

AA2.56%


9.5

10.5

11.5

12.5

13.5

14.5

15.5

Apr‐11

Jun‐11

Jul‐11

Sep‐11

Oct‐11

Dec‐11

Jan‐12

Mar‐12

Apr‐12

Jun‐12

Jul‐12

Sep‐12

Oct‐12

Dec‐12

Jan‐13

Mar‐13

Apr‐13

Jun‐13

Jul‐13

Aug‐13

Oct‐13

Nov‐13

Jan‐14

Feb‐14

Apr‐14

May‐14

Jul‐14

Aug‐14

Oct‐14

Nov‐14

Jan‐15

NAV/U

NIT (Rs)


NAV Benchmark

Debt64.83%

Equity28.39%

MM & Others6.78%





January 29, 2014 ULIF 024 11/12/13 SUD‐LI‐BL2 142 CNX Nifty Index ‐ 30%


Products : AUM :

For Dhan Suraksha Plus & Wealth Builder Plan Rs.70.30.Cr

Portfolio % to AUM

`


ICICI Bank Ltd 1.78% 0% 60% 26.73%




Debt 55.14%

Gilts & SDL 29.84%

GOI 25.62%


SDL ‐ KERALA 1.14%



HDFC LTD. 5.32%

SESA STERLITE LTD. 3.61%




RURAL ELECTRIFICATION CORPORATION L 2 18%

BALANCED PLUS FUND - JANUARY 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


Actual


Debt55.14%

Equity26.73%

MM & Others18.13%


Modified Duration 4 11yrsRURAL ELECTRIFICATION CORPORATION L 2.18%




MM & Others 18.13%

Total 100.00%

`

12.91%

9.17%

6.78%

3.89%

3.69%

3.14%

3.12%

3.08%

2.69%

1.84%


Infrastructure

Housing Sector


Computer programming, consultancy and …

Water transport

Civil engineering

Manufacture of coke and refined …

Other financial activities

Manufacture of motor vehicles, trailers …


< 1 year 1‐3 years 3‐5 years 5‐10 years

15.87%

61.70%

178.06%

515.66%


Gilt54.12%

AAA36.10%

AA+9.77%


9.9010.0010.1010.2010.3010.4010.5010.6010.7010.8010.9011.0011.1011.2011.3011.4011.5011.6011.7011.8011.9012.0012.1012.2012.3012.4012.5012.6012.70

Jan‐14 Mar‐14 Apr‐14 Jun‐14 Jul‐14 Sep‐14 Oct‐14 Dec‐14 Jan‐15

NAV/U

NIT (Rs)


NAV Benchmark

Debt55.14%

Equity26.73%

MM & Others18.13%


Modified Duration ‐ 4.11yrs

Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionBalance Plus Fund 2.45% 4.07% 9.00% ‐ ‐ ‐ 24.63%Benchmark 3.13% 5.00% 10.19% ‐ ‐ ‐ 23.41%

12.91%

9.17%

6.78%

3.89%

3.69%

3.14%

3.12%

3.08%

2.69%

1.84%


Infrastructure

Housing Sector


Computer programming, consultancy and …

Water transport

Civil engineering

Manufacture of coke and refined …


Manufacture of motor vehicles, trailers …



15.87%

61.70%

178.06%

515.66%


Gilt54.12%

AAA36.10%

AA+9.77%


9.9010.0010.1010.2010.3010.4010.5010.6010.7010.8010.9011.0011.1011.2011.3011.4011.5011.6011.7011.8011.9012.0012.1012.2012.3012.4012.5012.6012.70

Jan‐14 Mar‐14 Apr‐14 Jun‐14 Jul‐14 Sep‐14 Oct‐14 Dec‐14 Jan‐15

NAV/U

NIT (Rs)


NAV Benchmark

Debt55.14%

Equity26.73%

MM & Others18.13%


Modified Duration ‐ 4.11yrs



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

Products : AUM :

Rs. 193.35 Cr

Portfolio % to AUM

`

Debt 90.29% Minimum Maximum

Gilts & SDL 34.04% 80% 100% 90.29%

GOI 28.62% 0% 20% 9.71%






NATIONAL THERMAL POWER CORPORATION 3.80%


IL & FS LTD. 3.64%






HINDUSTAN PETROLEUM CORPORATION LTD 2.62%


APEX BOND FUND - JANUARY 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.


Asset Mix




Benchmark :



Debt90.29%

MM & Others9.71%


GiltAA+

AA3.54%

AA‐0.58%




HDFC LTD. 1.64%

TATA CAPITAL FINANCIAL SERVICES LTD 1.57%


L&T HOUSING FINANCE LIMITED 1.33%

MRF LTD. 1.33%

RELIANCE CAPITAL LTD. 1.31%



CHENNAI PETROLEUM CORPORATION LTD. 1.04%

L & T FINANCE LTD. 1.03%


MM & Others 9.71%

Total 100.00%

`

20.15%

17.04%

6.74%

5.07%

4.14%

1.42%

1.33%

1.06%

1.05%

0.90%

Infrastructure


Housing Sector



Water transport


Accommodation


Civil engineering



3.47% 4.83%

19.40%

51.19%

21.11%


Debt90.29%

MM & Others9.71%


Gilt37.70%

AAA42.72%

AA+15.46%

AA3.54%

AA‐0.58%


9.5

10.0

10.5

11.0

11.5

12.0

12.5

13.0

13.5

14.0

14.5

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

NAV/U

NIT (Rs)


NAV Benchmark


Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionApex Bond Fund 1.89% 4.61% 8.67% 15.26% 9.10% 9.66% 8.29%Benchmark 1.63% 4.31% 8.01% 14.75% 9.27% 9.27% 8.05%

20.15%

17.04%

6.74%

5.07%

4.14%

1.42%

1.33%

1.06%

1.05%

0.90%

Infrastructure


Housing Sector



Water transport


Accommodation


Civil engineering



3.47% 4.83%

19.40%

51.19%

21.11%


Debt90.29%

MM & Others9.71%


Gilt37.70%

AAA42.72%

AA+15.46%

AA3.54%

AA‐0.58%


9.5

10.0

10.5

11.0

11.5

12.0

12.5

13.0

13.5

14.0

14.5

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

NAV/U

NIT (Rs)


NAV Benchmark




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


Products : AUM :

Rs. 12.08 Cr

Portfolio % to AUM

`


Gilts & SDL 36.49% 80% 100% 90.23%

GOI 29.95% 0% 20% 9.77%

SDL GUJARAT 2.51%











NATIONAL BANK FOR AGRI & RURAL DEVE 4.21%

TATA CAPITAL FINANCIAL SERVICES LTD 4.15%


IRFC LTD. 3.31%

BOND FUND - JANUARY 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

Particulars

For Dhan Suraksha, Dhan Suraksha Premium, Prabhat Tara.

Debt90.23%

MM & Others9.77%


Gilt

AA+12.39%

AA0.92%





MM & Others 9.77%

Total 100.00%

`

19.49%

14.54%

5.98%

5.11%

4.35%

2.60%

1.67%

Infrastructure


Housing Sector

Civil engineering

Water transport





14.26%11.23%

21.25%

36.54%

16.72%


Debt90.23%

MM & Others9.77%


Gilt40.44%

AAA46.25%

AA+12.39%

AA0.92%


9.5

10.5

11.5

12.5

13.5

14.5

15.5

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

NAV/U

NIT (Rs)


NAV Benchmark


Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionBond Fund 1.65% 4.13% 7.76% 13.94% 9.22% 9.45% 7.76%

Benchmark 1.63% 4.31% 8.01% 14.75% 9.27% 9.27% 7.57%

19.49%

14.54%

5.98%

5.11%

4.35%

2.60%

1.67%

Infrastructure


Housing Sector

Civil engineering

Water transport





14.26%11.23%

21.25%

36.54%

16.72%


Debt90.23%

MM & Others9.77%


Gilt40.44%

AAA46.25%

AA+12.39%

AA0.92%


9.5

10.5

11.5

12.5

13.5

14.5

15.5

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

NAV/U

NIT (Rs)


NAV Benchmark




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

Products : AUM :

For New Dhruv Tara Products Rs. 20.45 Cr

Portfolio % to AUM

`


Gilts & SDL 40.25% 80% 100% 94.50%

GOI 36.61% 0% 20% 5.50%

SDL MAHARASHTRA 3.64%SDL (with < 1% exposure) 0.00%






RAYMOND LTD. 4.96%

HDFC LTD. 4.95%



MRF LTD. 2.61%


INDIVIDUAL PENSION FUND APEX BOND - JANUARY 2015

DEBT

MM & Others



Asset Mix


Actual

Benchmark :



Debt94.50%

MM & Others5.50%


AA+

AA5.35%

AA‐5.25%



CHENNAI PETROLEUM CORPORATION LTD. 2.46%

RELIANCE INDUSTRIES LTD 1.50%


RURAL ELECTRIFICATION CORPORATION L 1.47%Others (with < 1% exposure) 0.50%

MM & Others 5.50%

Total 100.00%

`


20.66%

6.01%

5.55%

5.55%

4.96%

4.95%

3.96%

2.61%

Infrastructure

Civil engineering



Manufacture of textiles

Housing Sector





19.21%

3.28%6.36%

47.25%

23.90%


Debt94.50%

MM & Others5.50%


Gilt42.60%

AAA44.04%

AA+2.77%

AA5.35%

AA‐5.25%


9.5

10.0

10.5

11.0

11.5

12.0

12.5

13.0

13.5

14.0

14.5

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

NAV/U

NIT (R

s)


NAV Benchmark


Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionIndividual Pension Fund ‐ Apex Bond 1.78% 4.52% 8.45% 14.82% 8.86% 9.22% 7.98%Benchmark 1.63% 4.31% 8.01% 14.75% 9.27% 9.27% 8.05%

20.66%

6.01%

5.55%

5.55%

4.96%

4.95%

3.96%

2.61%

Infrastructure

Civil engineering



Manufacture of textiles

Housing Sector





19.21%

3.28%6.36%

47.25%

23.90%


Debt94.50%

MM & Others5.50%


Gilt42.60%

AAA44.04%

AA+2.77%

AA5.35%

AA‐5.25%


9.5

10.0

10.5

11.0

11.5

12.0

12.5

13.0

13.5

14.0

14.5

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

NAV/U

NIT (R

s)


NAV Benchmark




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

Products : AUM :

Rs. 5.73 Cr

Portfolio % to AUM

`


Gilts & SDL 40.00% 80% 100% 90.75%

GOI 17.66% 0% 20% 9.25%


SDL ANDHRA PRADESH 4.94%










MRF LTD 3 73%

INDIVIDUAL PENSION FUND BOND - JANUARY 2015

Debt


MM & Others



Asset Mix


Actual

Benchmark :



Debt90.75%

MM & Others9.25%


AA+4.12%

AA3.86%


MRF LTD. 3.73%


TATA STEEL LTD. 3.50%





IRFC LTD. 1.74%


MM & Others 9.25%

Total 100.00%

`

Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionI di id l P i F d B d 1 49% 3 90% 7 57% 13 43% 9 20% 9 33% 7 69%

16.33%

7.06%

5.67%

5.41%

5.39%

5.31%

3.73%

1.84%

0.00%

Infrastructure



Housing Sector

Civil engineering



Water transport




9.64%

17.24%

22.11%

35.10%

15.90%


Debt90.75%

MM & Others9.25%


Gilt44.08%

AAA47.95%

AA+4.12%

AA3.86%


9.7

10.7

11.7

12.7

13.7

14.7

15.7

16.7

Mar‐09

Jul‐09

Oct‐09

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

NAV/U

NIT (Rs)



Individual Pension Fund ‐ Bond 1.49% 3.90% 7.57% 13.43% 9.20% 9.33% 7.69%Benchmark 1.63% 4.31% 8.01% 14.75% 9.27% 9.27% 7.67%

16.33%

7.06%

5.67%

5.41%

5.39%

5.31%

3.73%

1.84%

0.00%

Infrastructure



Housing Sector

Civil engineering



Water transport




9.64%

17.24%

22.11%

35.10%

15.90%


Debt90.75%

MM & Others9.25%


Gilt44.08%

AAA47.95%

AA+4.12%

AA3.86%


9.7

10.7

11.7

12.7

13.7

14.7

15.7

16.7

Mar‐09

Jul‐09

Oct‐09

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

NAV/U

NIT (Rs)





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

Products : AUM :

Rs. 45.60 Cr

Portfolio % to AUM

`


Gilts & SDL 47.86% 70% 100% 82.94%

GOI 42.66% 0% 30% 17.06%






HDFC LTD. 6.59%










Benchmark :


INDIVIDUAL LIFE INCOME FUND - JANUARY 2015


MM & Others

For Dhan Suraksha Plus & Wealth Builder Plan

Asset Mix


Actual

Debt

MM & Others17.06%






RELIANCE INDUSTRIES LTD 1.12%


MM & Others 17.06%

Total 100.00%

Debt82.94%

MM & Others17.06%


Gilt57.70%

AAA28.19%

AA1.89%

AA+12.21%



7.98%

19.09%

55.25%

17.68%


9.0

9.5

10.0

10.5

11.0

11.5

12.0

NAV/U

NIT (Rs)


NAV Benchmark


Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionIndividual Life Income Fund 1.78% 4.84% 8.75% ‐ ‐ ‐ 15.71%Benchmark 1.57% 4.19% 7.80% ‐ ‐ ‐ 14.33%

Debt82.94%

MM & Others17.06%


Gilt57.70%

AAA28.19%

AA1.89%

AA+12.21%



7.98%

19.09%

55.25%

17.68%


9.0

9.5

10.0

10.5

11.0

11.5

12.0

NAV/U

NIT (Rs)


NAV 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. 334.68 Cr

Portfolio % to AUM

Debt & MM 100.00% Minimum Maximum

Gilts & SDL 63.66% 60% 100% 63.66%

MM & Others 36.34% 0% 40% 36.34%

DISCONTINUED POLICIES FUND - JANUARY 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% *


Actual

Government Securties63.66%

MM & Others36.34%


12 2

12.5

12.8

13.1

13.4NAV Performance (Since Nov 01, 2011)

NAV Benchmark


9.11%

80.51%

6.76%3.62%




Discontinued Policies Fund 0.86% 2.45% 4.81% 9.53% 7.89% ‐ 8.11%

Benchmark 0.83% 2.40% 4.74% 9.56% 8.55% ‐ 8.52%

Note: * Crisil Liquid Index 100% upto May 2013

CRISIL Short Term Gilt Index 65% & CRISIL Liquid Index 35% from June 13 onwards

Government Securties63.66%

MM & Others36.34%


9.8

10.1

10.4

10.7

11.0

11.3

11.6

11.9

12.2

12.5

12.8

13.1

13.4

Nov‐

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

NAV/U

NIT (Rs)

NAV Performance (Since Nov 01, 2011)

NAV Benchmark


9.11%

80.51%

6.76%3.62%



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.

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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