Fact Sheet Ver.02 - New logo Sheet_January 2017.pdf · OVERVIEW OF MARKET The Union Budget for FY18 which was presented post demonetisation was directed at ... FIXED INCOME OUTLOOK

Fact Sheet

Trademark used under licence from respective owners.

January – 2017

InveSTAR

Trademark used under license from respective owners.

MONTHLY REPORT – JANUARY 2017

From the Desk of Chief Investment Officer…

OVERVIEW OF MARKET

The Union Budget for FY18 which was presented post demonetisation was directed at domestic, especially rural consumption. Public investment in infrastructure, especially roads, railways and affordable housing was stepped up. Despite this, the government has maintained its expenditure growth target below 7% and the fiscal deficit at 3.2% of GDP. On the international front, US protectionist policies could impact the Indian IT and pharma sectors. The Index of Industrial Production (IIP) for the month of Nov 2016 rose 5.7% as compared to decline of 1.87% in Oct 2016. Consumer Price Index (CPI) decreased to 3.41% in Dec 2016 from 3.63% in Nov, 2016. In January 2017, Nifty gained 4.6%; metal, telecom and power sectors’ outperformed while IT and pharma underperformed the Nifty. FIIs were sellers for more than Rs1,177 cr which was absorbed by domestic institutional buyers who bought more than Rs4,749 cr of equity during the month. The Bond market rallied during the month of Jan 2017. The benchmark 10 year G-Sec (6.97% GOI 2026) closed 10bp lower at 6.41% against 6.51% last month.

FUND PERFORMANCE

During April 2016 to January 2017, majority of our Equity and Growth Funds outperformed the respective benchmarks. For 3 years period ending January 2017, most of these funds delivered positive annualized returns of around 11-13%, outperforming the Benchmark in most cases by about 0.5-2.0%. Majority of Balanced Funds delivered about 10-13% annualized return over last 3 years period. Bond funds delivered about 10-11% annualized returns for the said period. Fund wise performance is detailed in the following sheets.

FIXED INCOME OUTLOOK

For bonds the target of fiscal deficit of 3.2% of GDP and net borrowing post buyback at Rs 3,502 billion against Rs 3,658 billion last fiscal year is highly positive. Government borrowing to fund the fiscal deficit has fallen from 83% in 2015-16 to 64% in 2017-18. Demonetisation might keep growth and inflation subdued in 2HFY17. The primary risk for interest rates continues to be faster pace of Fed rate hikes and continuance of capital outflows witnessed lately.

EQUITY OUTLOOK

The Budget is expected to aid growth, bring down interest rates and inflation and promote investment and financial savings. Equity markets have managed to hold on despite aggressive selling by FIIs in last few months because of very healthy inflows to domestic institutional investors. This trend is expected to continue as more savings flows to formal channels like insurance, mutual. Focus on infrastructure in budget would lead to new avenues in domestic growth. Long term investors should focus on growth areas and stay invested.

Performance Summary as on January 31 2017

Scheme Name

SFIN

NAV BM NAV BM NAV BM NAV BM NAV BM

Apex Equity Fund

ULIF 009 20/01/10 SUD‐LA‐EQ1 142

Equity Fund

ULIF 002 25/02/09 SUD‐LI‐EQ1 142

Individual Pension Fund ‐ Apex Equity

ULIF 013 20/01/10 SUD‐PA‐EQ1 142

Individual Pension Fund ‐ Equity

ULIF 005 31/03/09 SUD‐PI‐EQ1 142

Apex Growth Fund

ULIF 010 20/01/10 SUD‐LA‐GR1 142

Growth Fund

ULIF 003 25/02/09 SUD‐LI‐GR1 142

Individual Pension Fund ‐ Apex Growth

ULIF 014 20/01/10 SUD‐PA‐GR1 142

Individual Pension Fund ‐ Growth

ULIF 006 31/03/09 SUD‐PI‐GR1 142

Apex Balanced Fund

ULIF 011 20/01/10 SUD‐LA‐BL1 142

Balanced Fund

ULIF 001 18/02/09 SUD‐LI‐BL1 142

Absolute CAGR (Annualised)

18/02/2009 24.34 22.1026 2.26% 10.88%

2.05% 13.30%

4.98% 10.31% 10.48%

25/02/2009 44.99 32.0566 ‐0.50%

25/02/2009 123.25 30.3595 0.63% 13.47%

20/01/2010 434.72 17.6102 ‐0.70% 14.04% ‐0.16%

11.62% 1.06%

12.72%

14.23% 0.07%

‐0.43%

2.25%

11.74%

12.27%

31/03/2009 19.02 27.1043 ‐1.12%

1.34%

13.45% ‐0.34% 12.78%

2.25% 12.27%

13.61% 2.25%18.2723 1.24% 15.16% 2.86% 13.84%

‐0.43%

13.56%

31/03/2009 18.52 24.0138 ‐0.55%

20/01/2010 484.70 8.95%

20/01/2010 394.01 18.3513 2.76% 14.58%2.81% 4.98% 13.05%

11.35% 11.82%

14.93%

13.77% 4.65%

7.01%

1 Year6 Month

13.84%

12.72%

13.61%

12.72%

13.61%

‐0.87% 13.59% ‐0.66%

0.92% 13.86% 2.14%

12.72%

13.61%

7.48%

8.01%

8.35%

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

10.71%

14.69%13.51% 15.75%

8.22%

8.53%

11.74%

12.27%

9.01%

8.38%13.32%

‐0.43%

12.30%

11.74%

12.58%

‐0.43%

2.25%

12.73%

Inception dateAUM (Rs.

Cr)NAV (Rs.)

4.26%

‐0.44%

1.34%

‐0.44%

1.34%

‐0.44%

‐0.44%

1.34%

13.58%

13.69%

12.82%

7.48%

8.01%

20/01/2010 31.22 17.4295

20/01/2010 34.02 17.7818

11.74%

12.27%

12.33%

1

2

3

4

5

6

7

8

9

10

InveSTAR


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

Individual Life Income Fund

ULIF 020 11/12/13 SUD‐LI‐BN2 142

Group Debt Fund

ULGF 003 20/03/15 SUD‐GN‐BN1 142

Total AUM 2849.83

8.71% 10.06% 10.84% 11.50% 10.97% 11.44%22 29/1/2014 82.88 13.6783 5.11% 5.95% 12.20% 12.81%

25/02/2009 9.80 18.4453 4.99% 12.01% 9.02% 10.64% 8.08%10.19% 11.69%

31/03/2009 11.01 21.5358 2.93% 13.02% 5.60% 10.27%

31/03/2009 3.75 18.3305 5.19% 11.59% 9.03% 10.47% 8.03%

7.01%

10.19%

12.30%11.27%

5.70% 12.77% 9.39% 8.60%13.13% 10.19% 11.31%

8.40% 8.01%9.43%4.47% 8.84%

4.48% 12.42% 8.68%

9.13% 10.99% 8.30%

12.25% 5.77% 11.54% 9.12%

13.77%

13.13%

13.84%4.26%

4.65%

10.19%

7.01%

12.33%14.23%

13.13%

03/06/2011 421.51 14.9902 4.00% 8.06% 7.84%

29/04/2011 62.91 16.5413 3.10%

20/01/2010 16.50 17.9583 2.26%

20/01/2010 5.35 17.5281 5.31%

8.64%

6.10%

4.26%

6.10%

6.10%

2.81%

6.10%

8.23%

10.49%

8.31%

14

15

16

8.66%

8.35%

8.66%

9.12%

13.13%

13.84%

12.72%

20/01/2010 189.23 17.8734

17

18

11.69%

12.30%

9.08%

11.69%

11.69%

11

12

13

11.59% 11.88% 11.41%

20 29/1/2014 134.58 14.0481 0.65% 1.34% 13.87% 13.61% 2.46% 2.25% 11.93% 12.27% 11.96% 12.11%

19 29/1/2014 139.65 14.0174 ‐0.66%

4.26% 12.64% 13.84%

0.98% 0.06% 11.89%‐0.21% 14.22% 12.47%

5.92% 7.01% 11.73% 12.30% 11.80% 12.19%

23 6/10/2015 10.49 11.4211 5.21% 6.09% 12.68% 13.12% NA NA NA NA 14.21% 14.90%

21 29/1/2014 153.38 13.9852 3.19%


142L003V01 142L004V01 142L008V01 142L028V01 142L010V01 142L018V01 142L019V01 142L020V01 142L024V01 142L025V01 142L026V01 142L021V01 142L041V01 142L042V01 142L049V01

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

ULIF 023 11/12/13 SUD‐LI‐GR2 142

SUD Life

Group

Retirement

BALANCED 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


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

Group Debt Fund

ULGF 003 20/03/15 SUD‐GN‐BN1 142

Discontinued Life Policies Fund

ULIF 018 03/06/11 SUD‐UL‐DP1 142

21

17

GROUP UNIT LINKED FUND

DISCONTINUED FUND

BOND FUND

16

19

11

12

20

22

13

14

15

17

18


Summary of number of Funds managed by Fund Managers alongwith details of Equity, Balanced and Debt

Sr. No. TYPE OF FUND NAME OF FUNDS MANAGERNO. OF FUNDS

MANAGEDNAME OF FUNDS AUM

1 Apex Equity Fund 434.72

2 Equity Fund 44.99

3 Individual Pension Fund ‐ Apex Equity 31.22

4 Individual Pension Fund ‐ Equity 19.02

5 Bluechip Equity Fund 139.65

TOTAL 669.61

6 Apex Growth Fund 484.70

7 Growth Fund 123.25

8 Individual Pension Fund ‐ Apex Growth 34.02

9 Individual Pension Fund ‐ Growth 18.52

10 Growth Plus Fund 134.58

11 Apex Balanced Fund 394.01

12 Balanced Fund 24.34

13 Individual Pension Fund ‐ Apex Balanced 16.50

14 Individual Pension Fund ‐ Balanced 11.01

15 Express Balanced Fund 62.91

16 Balanced Plus Fund 153.38

TOTAL 1,457.21

17 Apex Bond Fund 189.23

18 Bond Fund 9 80

EQUITY FUND

GROWTH AND

BALANCED FUND

5

11

EQUTY ‐ Mr. RAHUL RANJAN

EQUTY ‐ Mr. RAHUL RANJAN

DEBT ‐ Mr. YADNESH CHAVAN

InveSTAR


18 Bond Fund 9.80

19 Individual Pension Fund ‐ Apex Bond 5.35

20 Individual Pension Fund ‐ Bond 3.75

21 Individual Life Income Fund 82.88

22 Group Debt Fund 10.49

23 Discontinued Policies Fund 421.51

TOTAL 723.01

Total Funds 23 TOTAL AUM 2,849.83

BOND FUND 7DEBT ‐ Mr. YADNESH CHAVAN


Investment Objective :

Date of Inception : SFIN No.

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

Products: AUM :

Rs. 434.72 Cr

Portfolio % to AUM

`

Equity (Top 10 Holdings & >1%) 93.29% Minimum Maximum

ITC Ltd. 7.58% 80% 100% 405.55 93.29%

HDFC Bank Ltd 7.10% 0% 20% 29.17 6.71%

Infosys Technologies Ltd. 6.83%

Reliance Industries Ltd 5.59%

Tata Motors Limited 5.11%

ICICI Bank Ltd 5.06%

Maruti Suzuki India Limited 5.00%

Larsen & Toubro Limited 3.95%

Housing Development Finance Corporation Ltd. 3.34%

Axis Bank Limited 2.94%

IndusInd Bank Limited 2.87%

Grasim Industries Ltd. 2.70%

Sun Pharmaceuticals Industries Ltd 2.65%

Power Grid Corporation of India Limited 2.53%

Bajaj Auto Limited 2.48%

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%

AUM (Rs. In Cr)

APEX EQUITY FUND -JANUARY 2017

Equity

MM & Others

Name of Fund Manager:

Mr. Rahul Ranjan

MM & Others6.71%

Asset Allocation (% to AUM)

Tata Consultancy Services Limited 2.15%

Lupin Limited 2.11%

Dr. Reddys Laboratories Ltd. 2.02%

State Bank of India 2.01%

Ultratech Cement Ltd. 1.95%

HCL Technologies Ltd 1.93%

Oil & Natural Gas Corpn Ltd 1.89%

Hero Motocorp Ltd. 1.85%

Mahindra & Mahindra Ltd. 1.31%

Zee Entertainment Enterprises Ltd 1.21%

Tata Steel Limited 1.13%

ACC Limited 1.12%

Others (with < 1% exposure) 6.88%

MM & Others 6.71%

Total 100.00%

`

1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionApex Equity Fund 4.48% ‐1.23% ‐0.70% 14.04% ‐0.16% 13.32% 8.38%

Benchmark 4.18% ‐0.61% ‐0.44% 12.72% ‐0.43% 11.74% 7.48%

Fund returns vis a vis BenchmarkAbsolute CAGR (Annualised)

23.50%

11.42%

11.21%

7.58%

6.79%

6.78%

4.33%

3.95%

3.93%

3.46%

10.33%

Financial & Insurance Activities

Manufacture of motor vehicles, trailers and semi‐trailers

Computer programming, consultancy and related activities

Manufacture of tobacco products

Manufacture of coke and refined petroleum products

Manufacture of pharmaceuticals,medicinal chemical and botanical products

Manufacture of other transport equipment

Civil engineering

Manufacture of chemicals and chemical products

Infrastructure

Others

Top 10 Industry Exposure ( % to AUM)

Equity93.29%

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

Sep‐11

Dec‐11

Mar‐12

Jun‐12

Sep‐12

Dec‐12

Mar‐13

Jun‐13

Sep‐13

Nov‐13

Feb‐14

May‐14

Aug‐14

Nov‐14

Feb‐15

May‐15

Aug‐15

Nov‐15

Jan‐16

Apr‐16

Jul‐16

Oct‐16

Jan‐17

NAV/U

NIT (R

s)

NAV Performance (Since Inception)

NAV Benchmark


Investment Objective:


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

Products : AUM:

Rs. 44.99 Cr

Portfolio % to AUM

`


Infosys Technologies Ltd. 7.76% 80% 100% 41.46 92.14%

HDFC Bank Ltd 6.33% 0% 20% 3.54 7.86%


ITC Ltd. 5.81%














Lupin Limited 2.01%

Yes Bank Limited 1.86%


Equity

MM & Others

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

equity‐related instruments.


Asset Mix

Particulars

Benchmark :



For Dhan Suraksha, Dhan Suraksha Premium, Prabhat

Tara.

EQUITY FUND - JANUARY 2017


Mr. Rahul Ranjan

AUM (Rs. In Cr)

Equity92.14%

MM & Others7.86% Asset Allocation (% to AUM)

y




Tata Power Co. Ltd. 1.44%

Asian Paints Ltd. 1.34%

ACC Limited 1.33%

Hindustan Petroleum Corporation Ltd. 1.21%

Indian Oil Corporation Ltd 1.06%


MM & Others 7.86%

Total 100.00%

`

1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since Inception

Equity Fund 4.04% ‐0.97% ‐0.50% 14.23% 0.07% 13.51% 15.75%

Benchmark 4.18% ‐0.61% ‐0.44% 12.72% ‐0.43% 11.74% 14.69%


24.04%

12.03%

11.63%

8.27%

6.17%

5.81%

5.26%

4.60%

4.53%

2.75%

7.06%







Civil engineering

Infrastructure



Others

Top 10 Industry Exposure (% to AUM)

92.14%

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

Oct‐15

Jan‐16

Apr‐16

Jul‐16

Oct‐16

Jan‐17

NAV/U

NIT (Rs)


NAV Benchmark




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

Products : AUM :

Rs. 31.22 Cr

Portfolio % to AUM

`



ITC Ltd. 7.23% 0% 20% 3.26 10.44%


HDFC Bank Ltd 6.31%

















Oil & Natural Gas Corpn Ltd 1 85%

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 :



AUM (Rs. In Cr)

INDIVIDUAL PENSION FUND APEX EQUITY - JANUARY 2017

Equity

For New Dhruv Tara Products

MM & Others


Mr. Rahul Ranjan

Equity89.56%

MM & Others10.44%





Lupin Limited 1.65%


Hindalco Industries Ltd. 1.22%

ACC Limited 1.04%

Asian Paints Ltd. 1.03%Others (with < 1% exposure) 1.79%

MM & Others 10.44%

Total 100.00%

`

1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionIndividual Pension Fund ‐ Apex Equity 4.06% ‐1.34% ‐0.87% 13.59% ‐0.66% 12.73% 8.22%Benchmark 4.18% ‐0.61% ‐0.44% 12.72% ‐0.43% 11.74% 7.48%


22.45%

12.27%

11.33%

8.41%

7.23%

6.19%

4.22%

4.18%

3.47%

2.82%

6.98%







Civil engineering



Manufacture of other non‐metallic mineral products

Others


9.009.5010.0010.5011.0011.5012.0012.5013.0013.5014.0014.5015.0015.5016.0016.5017.0017.5018.0018.5019.0019.5020.00

Jan‐10

Apr‐10

Jul‐10

Oct‐10

Jan‐11

Apr‐11

Jul‐11

Sep‐11

Dec‐11

Mar‐12

Jun‐12

Sep‐12

Dec‐12

Mar‐13

Jun‐13

Sep‐13

Nov‐13

Feb‐14

May‐14

Aug‐14

Nov‐14

Feb‐15

May‐15

Aug‐15

Nov‐15

Jan‐16

Apr‐16

Jul‐16

Oct‐16

Jan‐17

NAV/U

NIT (Rs)


NAV Benchmark




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

Products : AUM :

Rs. 19.02 Cr

Portfolio % to AUM

`


HDFC Bank Ltd 7.88% 80% 100% 17.45 91.72%

Reliance Industries Ltd 7.15% 0% 20% 1.58 8.28%

ITC Ltd. 6.31%













Lupin Limited 2.08%




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 :



AUM (Rs. In Cr)

INDIVIDUAL PENSION FUND EQUITY - JANUARY 2017

MM & Others

Equity

For Dhruv Tara Products


Mr. Rahul Ranjan

MM & Others8.28%








Kotak Mahindra Bank Limited 1.02%Others (with < 1% exposure) 6.21%

MM & Others 8.28%

Total 100.00%

`

1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionIndividual Pension Fund ‐ Equity 3.96% ‐1.09% ‐1.12% 13.45% ‐0.34% 12.78% 13.56%Benchmark 4.18% ‐0.61% ‐0.44% 12.72% ‐0.43% 11.74% 13.69%


23.49%

12.58%

11.79%

9.76%

6.70%

6.31%

5.34%

4.18%

2.52%

2.22%

6.82%







Civil engineering


Infrastructure

Extraction of crude petroleum and natural gas

Others


Equity91.72%

9.50

11.50

13.50

15.50

17.50

19.50

21.50

23.50

25.50

27.50

29.50

Mar‐09

Jun‐09

Sep‐09

Dec‐09

Mar‐10

Jun‐10

Aug‐10

Nov‐10

Feb‐11

May‐11

Aug‐11

Nov‐11

Jan‐12

Apr‐12

Jul‐12

Oct‐12

Jan‐13

Apr‐13

Jun‐13

Sep‐13

Dec‐13

Mar‐14

Jun‐14

Aug‐14

Nov‐14

Feb‐15

May‐15

Aug‐15

Nov‐15

Jan‐16

Apr‐16

Jul‐16

Oct‐16

Jan‐ 17

NAV/U

NIT (Rs)


NAV Benchmark




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

Products : AUM :

Rs. 139.65 Cr

Portfolio % to AUM



HDFC Bank Ltd 5.13% 0% 30% 18.49 13.24%




ITC Ltd. 4.32%





Lupin Limited 2.91%











Actual

Equity

AUM (Rs. In Cr)

INDIVIDUAL BLUE CHIP EQUITY - JANUARY 2017

MM & Others

Asset Mix

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 :




Mr. Rahul Ranjan

MM & Others13.24%


Hindalco Industries Ltd. 1.42%




Tata Chemicals Ltd. 1.17%


Kotak Mahindra Bank Limited 1.14%

Glenmark Pharmaceuticals Ltd. 1.02%Others (with < 1% exposure) 11.65%

MM & Others 13.24%

Total 100.00%

`

1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionBluechip Equity Fund 3.94% ‐1.25% ‐0.66% 14.22% 0.98% 11.89% 11.88%Benchmark 3.97% ‐0.47% ‐0.21% 12.47% 0.06% 11.59% 11.41%


22.01%

10.34%

9.40%

8.27%

6.33%

4.61%

4.51%

4.32%

4.06%

3.73%

9.18%









Civil engineering

Infrastructure

Others


Equity86.76%

9.50

10.00

10.50

11.00

11.50

12.00

12.50

13.00

13.50

14.00

14.50

15.00

Jan‐14

Mar‐14

Apr‐14

May‐14

Jul‐14

Aug‐14

Sep‐14

Nov‐14

Dec‐14

Jan‐15

Mar‐15

Apr‐15

May‐15

Jul‐15

Aug‐15

Sep‐15

Oct‐15

Dec‐15

Jan‐16

Feb‐16

Apr‐16

May‐16

Jun‐16

Aug‐16

Sep‐16

Oct‐16

Dec‐16

Jan‐17

NAV/U

NIT (Rs)


NAV Benchmark




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

Products : AUM :

Rs. 484.70 Cr Equity Mr. Rahul Ranjan

Debt Mr. Yadnesh Chavan

Portfolio % to AUM

`




ITC Ltd. 4.89%

HDFC Bank Ltd 4.84%














Lupin Limited 1.66%






Debt 26.37%

Gilts & SDL (Top 10 Holdings) 9.19%

8.30% GOI ‐ 02‐Jul‐2040 2.62%

8.28% GOI ‐ 21‐Sep‐2027 1.77%

8.24% GOI ‐ 10‐Nov‐2033 1.14%

8.40% GOI 28 Jul 2024 1.06%

8.20% GOI ‐ 24‐Sep‐2025 0.58%

8 33% GOI 09 Jul 2026 0 46%

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%

AUM (Rs. In Cr)

APEX GROWTH FUND - JANUARY 2017

Equity

Debt, MM & Others


Debt26.37%

Equity71.14%

MM & Others2.49%


AAA46.97%

Gilts34.86%

Debt Rating Profile (% of Debt)

8.33% GOI ‐ 09‐Jul‐2026 0.46%

8.24% GOI ‐ 15‐Feb‐2027 0.45%

8.2600% GOI ‐ 02‐Aug‐2027 0.45%

8.2800% GOI ‐ 15‐Feb‐2032 0.23%

7.80% GOI ‐ 11‐Apr‐2021 0.22%


Corporate Bonds (Top 10 Holdings) 17.18%

POWER GRID CORPORATION OF INDIA LTD 2.62%

POWER FINANCE CORPORATION LTD. 1.69%

RURAL ELECTRIFICATION CORPORATION L 1.59%

LIC HOUSING FINANCE LTD 1.24%

HDFC LTD. 1.17%

UNITED PHOSPHORUS LTD. 0.88%

HINDUSTAN PETROLEUM CORPORATION LTD 0.84%

STEEL AUTHORITY OF INDIA LTD. 0.82%

RELIANCE PORTS & TERMINALS LTD. 0.72%

M & M FINANCIAL SERVICES LTD. 0.68%


MM & Others 2.49%

Total 100.00%

`

1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionApex Growth Fund 3.30% 0.10% 1.24% 15.16% 2.86% 13.84% 8.95%

Benchmark 3.57% 0.33% 1.34% 13.61% 2.25% 12.27% 8.01%


23.38%

10.18%

9.21%

8.75%

7.57%

4.89%

4.83%

4.19%

3.99%

2.65%

9.08%


Infrastructure







Civil engineering

Housing Sector

Others


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

5.74%

14.06%

18.61%

31.47%

30.12%

Debt Maturity Profile ( % of Debt)

AA+9.26%

AA4.91%

AA‐4.00%

Modified Duration ‐ 4.63 yrs

9.50

10.50

11.50

12.50

13.50

14.50

15.50

16.50

17.50

18.50

19.50

Jan‐10

Apr‐10

Jul‐10

Oct‐10

Jan‐11

Apr‐11

Jul‐11

Sep‐11

Dec‐11

Mar‐12

Jun‐12

Sep‐12

Dec‐12

Mar‐13

Jun‐13

Sep‐13

Nov‐13

Feb‐14

May‐14

Aug‐14

Nov‐14

Feb‐15

May‐15

Aug‐15

Nov‐15

Jan‐16

Apr‐16

Jul‐16

Oct‐16

Jan‐17

NAV/U

NIT (R

s)


NAV Benchmark




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

Products : AUM:

Rs. 123.25 Cr Equity Mr. Rahul RanjanDebt Mr. Yadnesh Chavan

Portfolio % to AUM

`


HDFC Bank Ltd 6.04% 40% 100% 89.18 72.36%


ITC Ltd. 5.08%

















Lupin Limited 1.62%



Kotak Mahindra Bank Limited 1.26%





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


Tara & Dhan Suraksha Express.

Benchmark :



GROWTH FUND - JANUARY 2017


AUM (Rs. In Cr)

Equity

Debt, MM & Others

AAA36.36%

Gilts47.79%


Debt, 22.14%

Equity, 72.36%

MM & Others, 5.50%


( p )

Debt 22.14%


7.59% GOI‐ 11‐Jan‐2026 2.60%

8.97% GOI ‐ 05‐Dec‐2030 2.18%

7.16% GOI ‐ 20‐May‐2023 1.71%

8.83% GOI ‐ 12‐Dec‐2041 1.44%

8.30% GOI ‐ 31‐Dec‐2042 0.91%

8.13% GOI‐ 22‐Jun‐2045 0.90%

8.2600% GOI ‐ 02‐Aug‐2027 0.66%

8.24% GOI ‐ 15‐Feb‐2027 0.18%






THE INDIAN HOTELS COMPANY LTD. 1.62%

THE GREAT EASTERN SHIPPING CO. LTD. 0.95%

INDIAN OIL CORPORATION LTD 0.69%

RELIANCE INDUSTRIES LTD 0.43%

LARSEN & TOUBRO LTD. 0.42%

RELIANCE CAPITAL LTD. 0.41%

POWER GRID CORPORATION OF INDIA LTD 0.28%Others (with < 1% exposure) 0.76%

MM & Others 5.50%

Total 100.00%

`

20.72%

10.11%

8.85%

6.64%

5.98%

5.37%

5.08%

3.43%

3.31%

3.23%

11.19%




Infrastructure




Civil engineering

Manufacture of Basic Metals


Others



10.66%12.03%

19.97% 19.47%

37.86%


AA15.85%

9.0010.5012.0013.5015.0016.5018.0019.5021.0022.5024.0025.5027.0028.5030.0031.5033.00

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

Apr‐15

Jul‐15

Oct‐15

Jan‐16

Apr‐16

Jul‐16

Oct‐16

Jan‐17

NAV/U

NIT (R

s)


NAV Benchmark


1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionGrowth Fund 3.34% ‐0.51% 0.63% 13.47% 2.05% 13.30% 14.93%Benchmark 3.57% 0.33% 1.34% 13.61% 2.25% 12.27% 13.58%

CAGR (Annualised)Fund returns vis a vis Benchmark

Absolute




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

Products : AUM :


Portfolio % to AUM

`


HDFC Bank Ltd 5.69% 55% 85% 23.55 69.23%



ITC Ltd. 4.94%












Lupin Limited 1.78%








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 :



AUM (Rs. In Cr)

INDIVIDUAL PENSION FUND APEX GROWTH - JANUARY 2017

Equity


Debt, MM & Others


Debt28.06%

Equity69.23%

MM & Others2.71%


AAA48.57%


p


Debt 28.06%


8.84% SDL ‐ Tamil Nadu ‐ 18‐Jul‐2022 3.18%

8.20% GOI ‐ 15‐Feb‐2022 3.12%

9.15% GOI ‐ 14‐Nov‐2024 2.68%

8.2600% GOI ‐ 02‐Aug‐2027 2.41%Others (with < 1% exposure) 0.00%





RELIANCE GAS TRANSPORTN INFRA LTD. 1.65%

HDB FINANCIAL SERVICES LTD 1.48%

RELIANCE CAPITAL LTD. 1.47%Others (with < 1% exposure) 0.00%

MM & Others 2.71%

Total 100.00%

`

1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionIndividual Pension Fund ‐ Apex Growth 3.14% 0.07% 0.92% 13.86% 2.14% 12.58% 8.53%

Benchmark 3.57% 0.33% 1.34% 13.61% 2.25% 12.27% 8.01%


23.75%

9.87%

8.81%

8.44%

6.00%

4.99%

4.94%

4.29%

4.23%

3.75%

6.84%



Infrastructure






Civil engineering

Housing Sector

Others


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

10.52%

48.92%

31.97%

8.58%


AA10.87%

Gilts40.56%

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

Sep‐11

Dec‐11

Mar‐12

Jun‐12

Sep‐12

Dec‐12

Mar‐13

Jun‐13

Sep‐13

Nov‐13

Feb‐14

May‐14

Aug‐14

Nov‐14

Feb‐15

May‐15

Aug‐15

Nov‐15

Jan‐16

Apr‐16

Jul‐16

Oct‐16

Jan‐17

NAV/U

NIT (Rs)


NAV Benchmark





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

Products : AUM :


Portfolio % to AUM

`


ICICI Bank Ltd 5.73% 40% 100% 12.60 68.03%

ITC Ltd. 5.23% 0% 60% 5.92 31.97%




HDFC Bank Ltd 3.89%


















Debt 27.27%

Gilts & SDL (Top 10 Holdings) 11.59%8 2600% GOI 02 A 2027 5 31%

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 2017


Actual


AUM (Rs. In Cr)

Equity

Debt, MM & Others

AAA41.66%

Gilts42 49%


Debt27.27%

Equity68.03%

MM & Others4.70%


8.2600% GOI ‐ 02‐Aug‐2027 5.31%

9.19% SDL ‐ Kerala ‐ 28‐May‐2024 3.00%

8.40% GOI 28 Jul 2024 1.77%

9.11% Maharashtra ‐ 28‐May‐2024 1.50%


Corporate Bonds (Top 10 Holdings) 15.69%INDIAN OIL CORPORATION LTD 4.59%





STATE BANK OF INDIA 0.44%Others (with < 1% exposure) 0.00%

MM & Others 4.70%

Total 100.00%

`



Absolute

20.38%

10.17%

9.05%

8.87%

5.23%

4.32%

4.04%

3.98%

3.66%

3.42%

10.60%






Accommodation

Water transport

Civil engineering


Infrastructure

Others


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

17.88%

38.01%

24.63%

19.48%


AA15.86%

42.49%

9.00

10.50

12.00

13.50

15.00

16.50

18.00

19.50

21.00

22.50

24.00

25.50

27.00

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

Apr‐15

Jul‐15

Oct‐15

Jan‐16

Apr‐16

Jul‐16

Oct‐16

Jan‐17

NAV/U

NIT (Rs)


NAV Benchmark


Individual Pension Fund ‐ Growth 2.93% ‐0.87% ‐0.55% 11.62% 1.06% 11.35% 11.82%Benchmark 3.57% 0.33% 1.34% 13.61% 2.25% 12.27% 12.82%




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

Products : AUM:


Portfolio % to AUM

`



ICICI Bank Ltd 4.57% 0% 60% 38.77 28.81%

Larsen & Toubro Limited 3.87% 0% 30% 5.05 3.75%

HDFC Bank Ltd 3.76%

ITC Ltd. 3.52%















Lupin Limited 1.16%

Zee Entertainment Enterprises Ltd 1.05%Others (with < 1% exposure) 12.93%

Debt 28.81%


8 40% GOI 28 J l 2024 3 86%

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 - JANUARY 2017

Benchmark :

MM & Others

Equity

Debt



For Dhan Suraksha Plus & Wealth Builder Plan.

Asset Mix


Actual


AUM (Rs. In Cr)

AAA20.66%

AA+3.99%

AA‐1.31%


Debt28.81%

Equity67.44%

MM & Others3.75%


8.40% GOI 28 Jul 2024 3.86%

7.72% GOI‐ 25‐May‐2025 3.16%

8.20% GOI ‐ 24‐Sep‐2025 2.61%

7.16% GOI ‐ 20‐May‐2023 1.77%

8.2600% GOI ‐ 02‐Aug‐2027 1.43%

7.59% GOI‐ 11‐Jan‐2026 1.39%

8.13% GOI‐ 22‐Jun‐2045 1.24%

7.68% GOI‐ 15‐Dec‐2023 1.02%

8.21% Maharashtra ‐ 09‐Dec‐2025 0.95%

8.30% GOI ‐ 02‐Jul‐2040 0.83%



HDFC LTD. 2.20%




SHRIRAM TRANSPORT FINANCE CO. LTD. 0.75%

L&T HOUSING FINANCE LIMITED 0.40%

VEDANTA LIMITED 0.38%


MM & Others 3.75%

Total 100.00%

`

1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionGrowth Plus Fund 3.09% ‐0.51% 0.65% 13.87% 2.46% 11.93% 11.96%


Absolute

19.82%

7.44%

7.42%

6.67%

5.53%

4.14%

3.87%

3.52%

3.43%

2.67%

10.41%




Infrastructure



Civil engineering




Others



2.61%

9.40%8.73%

62.81%

16.45%

Debt Maturity Profile ( % of Debt) Modified Duration ‐ 5.04 yrs

Gilts74.04%

9.50

10.00

10.50

11.00

11.50

12.00

12.50

13.00

13.50

14.00

14.50

15.00

Jan‐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

Aug‐15

Sep‐15

Oct‐15

Nov‐15

Dec‐15

Jan‐16

Feb‐16

Mar‐16

Apr‐16

May‐16

Jun‐16

Jul‐16

Aug‐16

Sep‐16

Oct‐16

Nov‐16

Dec‐16

Jan‐17

NAV/U

NIT (R

s)


NAV Benchmark

Benchmark 3.57% 0.33% 1.34% 13.61% 2.25% 12.27% 12.11%




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

Products : AUM :

Rs. 394.01 Cr Equity Mr. Rahul Ranjan


Portfolio % to AUM

`


HDFC Bank Ltd 4.03% 35% 65% 197.03 50.01%


Infosys Technologies Ltd. 3.72%Housing Development Finance Corporation Ltd. 3.29%ICICI Bank Ltd 3.28%


ITC Ltd. 2.48%




Axis Bank Limited 1.89%IndusInd Bank Limited 1.64%






Lupin Limited 1.07%



Debt 45.07%


8.20% GOI ‐ 24‐Sep‐2025 2.27%

8.28% GOI ‐ 21‐Sep‐2027 1.96%

7.59% GOI‐ 11‐Jan‐2026 1.68%

8.24% GOI ‐ 10‐Nov‐2033 1.41%

8.29% Tamilnadu 29 Jul 2025 1.35%


Asset Mix

Particulars AUM (Rs. In Cr)

APEX BALANCED FUND - JANUARY 2017

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 :




Debt45.07%

Equity50.01%

MM & Others4.92%

Asset Allocation( % to AUM)

AAA41.77%Gilts

42.71%


8.83% GOI 25 Nov 2023 0.99%

8.33% GOI ‐ 09‐Jul‐2026 0.84%

7.68% GOI‐ 15‐Dec‐2023 0.70%

8.24% GOI ‐ 15‐Feb‐2027 0.69%

8.2600% GOI ‐ 02‐Aug‐2027 0.61%







HDFC LTD. 1.65%


UNITED PHOSPHORUS LTD. 1.36%


HINDUSTAN PETROLEUM CORPORATION LTD 1.30%

SUNDARAM FINANCE LTD. 1.28%

IL & FS LTD. 1.27%


MM & Others 4.92%

Total 100.00%

`

1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionApex Balanced Fund 2.66% 0.94% 2.76% 14.58% 4.98% 13.05% 9.01%Benchmark 2.90% 1.13% 2.81% 13.77% 4.65% 12.33% 8.35%


23.72%

12.24%

6.40%

5.79%

5.47%

3.52%

3.21%

3.02%

2.77%

2.48%

7.69%


Infrastructure




Housing Sector



Civil engineering


Others



4.25%

15.03%16.83%

43.16%

20.73%


AA+10.99%AA

1.48%

AA‐3.05%

9.00

10.00

11.00

12.00

13.00

14.00

15.00

16.00

17.00

18.00

19.00

Jan‐10

Apr‐10

Jul‐10

Oct‐10

Jan‐11

Apr‐11

Jul‐11

Sep‐11

Dec‐11

Mar‐12

Jun‐12

Sep‐12

Dec‐12

Mar‐13

Jun‐13

Sep‐13

Nov‐13

Feb‐14

May‐14

Aug‐14

Nov‐14

Feb‐15

May‐15

Aug‐15

Nov‐15

Jan‐16

Apr‐16

Jul‐16

Oct‐16

Jan‐17

NAV/U

NIT (R

s)


NAV Benchmark





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

Products : AUM :


Portfolio % to AUM

`


Sun Pharmaceuticals Industries Ltd 3.50% 0% 60% 7.76 31.89%

ICICI Bank Ltd 2.91% 40% 100% 16.58 68.11%



ITC Ltd. 1.71%


HDFC Bank Ltd 1.59%










Debt 64.80%


8.97% GOI ‐ 05‐Dec‐2030 9.61%

7.16% GOI ‐ 20‐May‐2023 8.44%

8.33% GOI ‐ 09‐Jul‐2026 4.54%

7.59% GOI‐ 11‐Jan‐2026 3.96%

9.63% Maharashtra ‐ 12‐Feb‐2024 2.33%

8.24% GOI ‐ 15‐Feb‐2027 2.25%

8 2600% GOI ‐ 02‐Aug‐2027 2 16%

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


Tara.

Benchmark :



AUM (Rs. In Cr)

BALANCED FUND - JANUARY 2017

Equity

Debt, MM & Others


Debt64.80%

Equity31.89%

MM & Others3.31%


AAA32.51%

Gilts51.35%


8.2600% GOI 02 Aug 2027 2.16%









HDB FINANCIAL SERVICES LTD 2.07%



IRFC LTD. 1.31%


MM & Others 3.31%

Total 100.00%

`

1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionFund returns vis a vis Benchmark


13.46%

5.90%

5.35%

5.02%

4.94%

4.42%

4.38%

4.26%

3.90%

3.42%

8.37%



Accommodation

Civil engineering

Infrastructure


Water transport


Housing Sector


Others



12.73%

21.44%

13.44%

30.77%

21.63%

Debt Maturity Profile (% of Debt)

AA16.14%

9.5010.0010.5011.0011.5012.0012.5013.0013.5014.0014.5015.0015.5016.0016.5017.0017.5018.0018.5019.0019.5020.0020.5021.0021.5022.0022.5023.0023.50

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

Oct‐12

Jan‐13

Apr‐13

Jul‐13

Oct‐13

Jan‐14

Apr‐14

Jul‐14

Oct‐14

Jan‐15

Apr‐15

Jul‐15

Oct‐15

Jan‐16

Apr‐16

Jul‐16

Oct‐16

Jan‐17

NAV/U

NIT (R

s)

NAV Performance (Since Inception)NAV Benchmark



Balanced Fund 1.78% 0.64% 2.26% 10.88% 4.98% 10.31% 10.48%

Benchmark 2.22% 1.90% 4.26% 13.84% 7.01% 12.30% 10.71%




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

Products : AUM :


Portfolio % to AUM

`



ITC Ltd. 4.26% 35% 65% 8.77 53.13%




HDFC Bank Ltd 3.20%













Debt 47.78%


8.83% GOI ‐ 12‐Dec‐2041 11.44%

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 :



AUM (Rs. In Cr)

INDIVIDUAL PENSION FUND APEX BALANCED - JANUARY 2017

Equity


Debt, MM & Others


AAA42.81%

Gilts 50 60%


Debt47.78%

Equity46.87%

MM & Others5.35%


8.20% GOI ‐ 15‐Feb‐2022 3.20%

7.16% GOI ‐ 20‐May‐2023 3.11%

8.40% GOI 28 Jul 2024 2.99%

8.17% GOI ‐ 01‐Dec‐2044 2.03%

8.97% GOI ‐ 05‐Dec‐2030 1.42%



IL & FS LTD. 6.76%



TATA SONS LTD. 3.22%


RELIANCE INDUSTRIES LTD 0.64%Others (with < 1% exposure) 0.00%

MM & Others 5.35%

Total 100.00%

`



19.10%

11.60%

7.25%

6.44%

5.75%

4.26%

3.93%

3.90%

2.78%

1.72%

3.74%


Infrastructure


Housing Sector





Civil engineering


Others


3‐5 years 5‐10 years > 10 years

49.40%

19.45%

31.15%


AA6.58%

50.60%

9.30

10.30

11.30

12.30

13.30

14.30

15.30

16.30

17.30

18.30

19.30

Jan‐10

Apr‐10

Jul‐10

Oct‐10

Jan‐11

Apr‐11

Jul‐11

Sep‐11

Dec‐11

Mar‐12

Jun‐12

Sep‐12

Dec‐12

Mar‐13

Jun‐13

Sep‐13

Nov‐13

Feb‐14

May‐14

Aug‐14

Nov‐14

Feb‐15

May‐15

Aug‐15

Nov‐15

Jan‐16

Apr‐16

Jul‐16

Oct‐16

Jan‐17

NAV/U

NIT (Rs)


NAV Benchmark


Individual Pension Fund ‐ Apex Balanced 2.12% 0.34% 2.26% 14.23% 4.48% 12.42% 8.68%

Benchmark 2.90% 1.13% 2.81% 13.77% 4.65% 12.33% 8.35%




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

Products : AUM :


Portfolio % to AUM

`



HDFC Bank Ltd 2.34% 40% 100% 7.75 70.42%

ITC Ltd. 2.14%













Debt 67.89%


8.97% GOI ‐ 05‐Dec‐2030 7.44%

8.17% GOI ‐ 01‐Dec‐2044 5.07%

9.19% SDL ‐ Kerala ‐ 28‐May‐2024 5.05%

8.24% GOI ‐ 15‐Feb‐2027 4.97%

7.59% GOI‐ 11‐Jan‐2026 4.86%

9.63% Maharashtra ‐ 12‐Feb‐2024 4.12%

9.11% Maharashtra ‐ 28‐May‐2024 4.03%Others (with < 1% exposure) 0.00%

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 :



AUM (Rs. In Cr)

INDIVIDUAL PENSION FUND BALANCED - JANUARY 2017

Equity


Debt, MM & Others


AAA38.27%


Debt67.89%

Equity29.58%

MM & Others2.54%







IL & FS LTD. 2.03%

HDFC LTD. 2.00%


STATE BANK OF INDIA 1.49%



MM & Others 2.54%

Total 100.00%

`



10.59%

9.61%

9.16%

6.36%

4.85%

3.71%

3.22%

3.12%

3.04%

3.00%

5.25%


Housing Sector

Infrastructure

Accommodation

Water transport

Civil engineering





Others



13.47%

8.58%

17.45%

34.74%

25.75%



AA9.38%

Gilts52.36%

9.5010.0010.5011.0011.5012.0012.5013.0013.5014.0014.5015.0015.5016.0016.5017.0017.5018.0018.5019.0019.5020.0020.5021.0021.5022.0022.5023.00

Mar‐09

Jun‐09

Sep‐09

Dec‐09

Mar‐10

Jun‐10

Aug‐10

Nov‐10

Feb‐11

May‐11

Aug‐11

Nov‐11

Jan‐12

Apr‐12

Jul‐12

Oct‐12

Jan‐13

Apr‐13

Jun‐13

Sep‐13

Dec‐13

Mar‐14

Jun‐14

Aug‐14

Nov‐14

Feb‐15

May‐15

Aug‐15

Nov‐15

Jan‐16

Apr‐16

Jul‐16

Oct‐16

Jan‐17

NAV/U

NIT (Rs)


NAV Benchmark

Individual Pension Fund ‐ Balanced 1.65% 1.07% 2.93% 13.02% 5.60% 11.27% 10.27%

Benchmark 2.22% 1.90% 4.26% 13.84% 7.01% 12.30% 10.49%



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. 62.91 Cr Equity Mr. Rahul Ranjan


Portfolio % to AUM

`




HDFC Bank Ltd 2.05%

ITC Ltd. 1.87%Tata Motors Limited 1.80%ICICI Bank Ltd 1.71%Larsen & Toubro Limited 1.61%







Debt 65.24%


7.16% GOI ‐ 20‐May‐2023 6.93%

7.59% GOI‐ 11‐Jan‐2026 3.23%

9.15% GOI ‐ 14‐Nov‐2024 2.72%

8.2600% GOI ‐ 02‐Aug‐2027 2.01%

8.83% GOI ‐ 12‐Dec‐2041 1.87%

8.97% GOI ‐ 05‐Dec‐2030 1.86%

8.30% GOI ‐ 02‐Jul‐2040 1.78%

8.13% GOI‐ 22‐Jun‐2045 1.77%

8.20% GOI ‐ 24‐Sep‐2025 1.72%

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


ActualAUM (Rs. In Cr)

EXPRESS BALANCED FUND - JANUARY 2017

Equity

Debt, MM & Others


Gilts47.21%


Debt65.24%

Equity30.22%

MM & Others4.55%


p

9.63% Maharashtra ‐ 12‐Feb‐2024 0.90%






IL & FS LTD. 3.10%




TATA SONS LTD. 1.68%LIC HOUSING FINANCE LTD 1.67%HINDUSTAN PETROLEUM CORPORATION LTD 1.62%THE INDIAN HOTELS COMPANY LTD. 1.59%HDFC LTD. 1.19%LARSEN & TOUBRO LTD. 1.01%


MM & Others 4.55%

Total 100.00%

1 M th 3 M th 6 M th 1 Y 2 Y 3 Y Si I tiFund returns vis a vis Benchmark


17.38%

10.75%

4.25%

4.15%

4.13%

3.75%

2.87%

2.63%

2.56%

1.87%

10.33%

Infrastructure


Water transport




Housing Sector

Civil engineering

Mining of metal ores


Others



2.93%

19.75% 19.23%

37.54%

20.56%


AAA44.11%

AA3.70%

AA‐4.97%

9.50

10.50

11.50

12.50

13.50

14.50

15.50

16.50

17.50

Apr‐11

Jul‐11

Oct‐11

Jan‐12

Mar‐12

Jun‐12

Sep‐12

Dec‐12

Mar‐13

May‐13

Aug‐13

Nov‐13

Jan‐14

Apr‐14

Jul‐14

Oct‐14

Jan‐15

Mar‐15

Jun‐15

Sep‐15

Dec‐15

Feb‐16

May‐16

Aug‐16

Nov‐16

Jan‐17

NAV/U

NIT (Rs)


NAV Benchmark


1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionExpress Balanced Fund 1.79% 1.30% 3.10% 12.25% 5.77% 11.54% 9.12%Benchmark 2.22% 1.90% 4.26% 13.84% 7.01% 12.30% 9.12%




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.153.38 Cr Equity Mr. Rahul Ranjan


Portfolio % to AUM

`


HDFC Bank Ltd 2.71% 0% 60% 42.74 27.87%


ICICI Bank Ltd 1.94% 0% 30% 13.61 8.87%


ITC Ltd. 1.70%








Debt 63.26%


6.97% GOI‐ 06‐Sep‐2026 6.10%

8.40% GOI 28 Jul 2024 5.35%

7.72% GOI‐ 25‐May‐2025 4.16%

8.30% GOI ‐ 02‐Jul‐2040 3.28%

8.30% GOI ‐ 31‐Dec‐2042 2.93%

8.28% GOI ‐ 21‐Sep‐2027 2.87%

8.20% GOI ‐ 24‐Sep‐2025 1.91%

8.21% Maharashtra ‐ 09‐Dec‐2025 1.18%

8.13% GOI‐ 22‐Jun‐2045 1.09%

8.83% GOI 25 Nov 2023 1.09%

8.2600% GOI ‐ 02‐Aug‐2027 1.08%


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


ActualAUM (Rs. In Cr)

BALANCED PLUS FUND - JANUARY 2017

MM & Others

Equity

Debt


AAA26.79%

Gilts61.53%


Debt63.26%

Equity27.87%

MM & Others8.87%




HDFC LTD. 2.80%



STCI FINANCE LIMITED 1.68%




SUNDARAM FINANCE LTD. 1.46%



MM & Others 8.87%

Total 100.00%

`

1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionBalanced Plus Fund 1 52% 1 08% 3 19% 12 64% 5 92% 11 73% 11 80%


14.33%

8.53%

4.27%

3.55%

3.50%

2.95%

2.72%

2.01%

1.83%

1.73%

8.03%


Infrastructure

Civil engineering


Housing Sector






Others



1.45%

12.72%15.79%

48.02%

22.03%


AA+3.87%

AA2.55%

AA‐5.27%

9.9010.1010.3010.5010.7010.9011.1011.3011.5011.7011.9012.1012.3012.5012.7012.9013.1013.3013.5013.7013.9014.1014.3014.50

Jan‐14

Apr‐14

Jul‐14

Oct‐14

Jan‐15

Apr‐15

Jul‐15

Oct‐15

Jan‐16

Apr‐16

Jul‐16

Oct‐16

Jan‐17

NAV/U

NIT (Rs)


NAV Benchmark


Balanced Plus Fund 1.52% 1.08% 3.19% 12.64% 5.92% 11.73% 11.80%Benchmark 2.22% 1.90% 4.26% 13.84% 7.01% 12.30% 12.19%




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

Products : AUM :

Rs. 189.23 Cr

Portfolio % to AUM

`

Debt 96.04% Minimum Maximum

Gilts & SDL (Top 10 Holdings) 44.76% 80% 100% 181.74 96.04%

7.61% GOI‐ 09‐May‐2030 6.08% 0% 20% 7.50 3.96%

6.97% GOI‐ 06‐Sep‐2026 5.34%

8.83% GOI ‐ 12‐Dec‐2041 3.55%

8.30% GOI ‐ 31‐Dec‐2042 2.88%

7.59% GOI‐ 11‐Jan‐2026 2.83%

8.20% GOI ‐ 24‐Sep‐2025 2.32%

8.2600% GOI ‐ 02‐Aug‐2027 2.12%

8.40% GOI 28 Jul 2024 2.00%

7.16% GOI ‐ 20‐May‐2023 1.90%

8.33% GOI ‐ 09‐Jul‐2026 1.81%

8.30% GOI ‐ 02‐Jul‐2040 1.77%

8.24% GOI ‐ 15‐Feb‐2027 1.45%

8.17% GOI ‐ 01‐Dec‐2044 1.18%

8.28% GOI ‐ 21‐Sep‐2027 1.16%

8.29% Tamilnadu 29 Jul 2025 1.13%

7.72% GOI‐ 25‐May‐2025 1.12%



NATIONAL THERMAL POWER CORPORATION 4.04%


IL & FS LTD. 3.72%

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



Premium 3 & Prabhat Tara 3.

Benchmark :



AUM (Rs. In Cr)

APEX BOND FUND - JANUARY 2017

DEBT

MM & Others

Particulars


Mr. Yadnesh Chavan

Debt96.04%

MM & Others3.96%


AAA36.57%





HDFC LTD. 2.85%




DEWAN HOUSING FINANCE CORP. LTD. 2.40%


TATA CAPITAL FINANCIAL SERVICES LTD 1.62%



MRF LTD. 1.41%


L & T FINANCE LTD. 1.09%

FULLERTON INDIA CREDIT COMPANY LTD. 1.09%




MM & Others 3.96%

Total 100.00%

`

1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionA B d F d 0 88% 2 57% 5 70% 12 77% 9 39% 11 31% 8 60%


19.97%

12.07%

9.73%

3.04%

1.47%

1.41%

1.39%

1.08%

1.06%

0.57%

0.50%

Infrastructure


Housing Sector


Water transport

Manufacture of rubber and plastics products

Civil engineering


Accommodation


Others

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

1.38%

14.95% 14.87%

43.36%

25.44%


AA+10.88%

AA4.26%

AA‐1.69%

Gilts46.61%

9.50

10.00

10.50

11.00

11.50

12.00

12.50

13.00

13.50

14.00

14.50

15.00

15.50

16.00

16.50

Jan‐10

Apr‐10

Jul‐10

Oct‐10

Jan‐11

Apr‐11

Jul‐11

Sep‐11

Dec‐11

Mar‐12

Jun‐12

Sep‐12

Dec‐12

Mar‐13

Jun‐13

Sep‐13

Nov‐13

Feb‐14

May‐14

Aug‐14

Nov‐14

Feb‐15

May‐15

Aug‐15

Nov‐15

Jan‐16

Apr‐16

Jul‐16

Oct‐16

Jan‐17

NAV/U

NIT (Rs)


NAV Benchmark


Apex Bond Fund 0.88% 2.57% 5.70% 12.77% 9.39% 11.31% 8.60%Benchmark 1.15% 2.89% 6.10% 13.13% 10.19% 11.69% 8.66%




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


Products : AUM :

Rs. 9.80 Cr

Portfolio % to AUM

`



8.83% GOI ‐ 12‐Dec‐2041 12.04% 0% 20% 0.27 2.75%

8.2400% GOI ‐ 22‐Apr‐2018 11.90%

6.97% GOI‐ 06‐Sep‐2026 8.49%

7.16% GOI ‐ 20‐May‐2023 7.33%

8.17% GOI ‐ 01‐Dec‐2044 5.70%

9.19% SDL ‐ Kerala ‐ 28‐May‐2024 4.54%

8.2600% GOI ‐ 02‐Aug‐2027 4.04%

9.65% SDL ‐ Tamil Nadu ‐ 12‐Mar‐2024 2.31%

7.59% GOI‐ 11‐Jan‐2026 2.18%

8.40% GOI 28 Jul 2024 1.12%








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.

AUM (Rs. In Cr)

BOND FUND - JANUARY 2017

Debt

MM & Others


Mr. Yadnesh Chavan

Debt97.25%

MM & Others2.75%





HDFC LTD. 1.13%




MM & Others 2.75%

Total 100.00%

`

F d t i i B h kAbsolute CAGR (Annualised)

11.45%

6.46%

5.45%

4.49%

4.38%

4.31%

1.05%

0.00%

Infrastructure

Civil engineering

Water transport


Housing Sector



Others


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

24.48%

17.01%

32.48%

26.02%


AAA32.96%

AA+4.61%

AA1.08%

Gilts61.35%


9.50

10.50

11.50

12.50

13.50

14.50

15.50

16.50

17.50

18.50

19.50

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

Oct‐15

Jan‐16

Apr‐16

Jul‐16

Oct‐16

Jan‐17

NAV/U

NIT (Rs)

NAV Performance (Since Inception)NAV Benchmark


1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionBond Fund 0.76% 2.24% 4.99% 12.01% 9.02% 10.64% 8.08%

Benchmark 1.15% 2.89% 6.10% 13.13% 10.19% 11.69% 8.23%

Fund returns vis a vis Benchmark( )




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

Products : AUM :

For New Dhruv Tara Products Rs. 5.35 Cr

Portfolio % to AUM

`



8.83% GOI ‐ 12‐Dec‐2041 18.75% 0% 20% 0.34 6.41%

8.34% SDL ‐ Maharashtra ‐ 03‐Feb‐2020 14.34%

8.40% GOI 28 Jul 2024 11.26%

9.15% GOI ‐ 14‐Nov‐2024 10.65%

7.80% GOI ‐ 11‐Apr‐2021 9.80%

8.84% SDL ‐ Tamil Nadu ‐ 18‐Jul‐2022 4.04%

6.97% GOI‐ 06‐Sep‐2026 1.94%





HDFC LTD. 4.12%


LARSEN & TOUBRO LTD. 1.97%Others (with < 1% exposure) 0.00%

MM & Others 6.41%

Total 100.00%

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


Actual

Benchmark :



AUM (Rs. In Cr)

INDIVIDUAL PENSION FUND APEX BOND - JANUARY 2017

DEBT

MM & Others


Mr. Yadnesh Chavan

Debt93.59%

MM & Others6.41%


AAA24.36%


`


Individual Pension Fund ‐ Apex Bond 0.86% 2.25% 5.31% 12.72% 9.13% 10.99% 8.30%


12.76%

4.12%

3.95%

1.97%

0.00%

Infrastructure

Housing Sector


Civil engineering

Others



4.22%

34.64% 34.21%

26.93%


Gilts75.64%

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

Sep‐11

Dec‐11

Mar‐12

Jun‐12

Sep‐12

Dec‐12

Mar‐13

Jun‐13

Sep‐13

Nov‐13

Feb‐14

May‐14

Aug‐14

Nov‐14

Feb‐15

May‐15

Aug‐15

Nov‐15

Jan‐16

Apr‐16

Jul‐16

Oct‐16

Jan‐17

NAV/U

NIT (Rs)


NAV Benchmark


pBenchmark 1.15% 2.89% 6.10% 13.13% 10.19% 11.69% 8.66%




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

Products : AUM :

Rs. 3.75 Cr

Portfolio % to AUM

`



8.33% GOI ‐ 09‐Jul‐2026 11.78% 0% 20% 0.12 3.11%

6.97% GOI‐ 06‐Sep‐2026 10.40%

8.83% GOI ‐ 12‐Dec‐2041 6.28%

9.65% SDL ‐ Tamil Nadu ‐ 12‐Mar‐2024 6.03%

8.17% GOI ‐ 01‐Dec‐2044 5.95%

7.61% GOI‐ 09‐May‐2030 5.74%

7.80% GOI ‐ 03‐May‐2020 5.54%

8.97% GOI ‐ 05‐Dec‐2030 2.49%




MRF LTD. 5.91%







%



Asset Mix


Actual

Benchmark :



AUM (Rs. In Cr)

INDIVIDUAL PENSION FUND BOND - JANUARY 2017

Debt


MM & Others


Mr. Yadnesh Chavan

Debt96.89%

MM & Others3.11%


AAA38.33%



NATIONAL BANK FOR AGRI & RURAL DEVE 2.67%


MM & Others 3.11%

Total 100.00%

`

1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since Inceptiondi id l i d d % % % % % % %


14.46%

5.91%

5.66%

5.55%

5.53%

2.84%

2.72%

0.00%

Infrastructure



Civil engineering


Water transport

Housing Sector

Others



5.57%

20.34%

17.52%

29.12% 27.45%


AA5.70%

Gilts55.97%

9.70

10.70

11.70

12.70

13.70

14.70

15.70

16.70

17.70

18.70

19.70

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

Apr‐15

Jul‐15

Oct‐15

Jan‐16

Apr‐16

Jul‐16

Oct‐16

Jan‐17

NAV/U

NIT (Rs)


NAV Benchmark


Individual Pension Fund ‐ Bond 0.86% 2.46% 5.19% 11.59% 9.03% 10.47% 8.03%Benchmark 1.15% 2.89% 6.10% 13.13% 10.19% 11.69% 8.31%




January 29, 2014 ULIF 020 11/12/13 SUD‐LI‐BN2 142

Products : AUM :

Rs. 82.88 Cr

Portfolio % to AUM

`



6.97% GOI‐ 06‐Sep‐2026 6.27% 0% 30% 9.18 11.07%

8.30% GOI ‐ 31‐Dec‐2042 5.82%

8.20% GOI ‐ 24‐Sep‐2025 5.10%

8.40% GOI 28 Jul 2024 4.95%

7.61% GOI‐ 09‐May‐2030 4.48%

8.28% GOI ‐ 21‐Sep‐2027 4.25%

7.72% GOI‐ 25‐May‐2025 3.85%

8.2600% GOI ‐ 02‐Aug‐2027 3.58%

8.30% GOI ‐ 02‐Jul‐2040 3.37%

7.16% GOI ‐ 20‐May‐2023 3.20%

8.97% GOI ‐ 05‐Dec‐2030 1.69%

7.68% GOI‐ 15‐Dec‐2023 1.66%

8.35% GOI ‐ 14‐May ‐2022 1.62%

8.2800% GOI ‐ 15‐Feb‐2032 1.34%

9.11% Maharashtra ‐ 28‐May‐2024 1.00%




HDFC LTD. 4.32%




Benchmark :


INDIVIDUAL LIFE INCOME FUND - JANUARY 2017


MM & Others

For Dhan Suraksha Plus & Wealth Builder Plan

Asset Mix


Actual

Debt


Mr. Yadnesh Chavan

AUM (Rs. In Cr)

Debt88.93%

MM & Others11.07%


AAA26.43%

Gilts61 01%








IRFC LTD. 1.32%



FULLERTON INDIA CREDIT COMPANY LTD. 1.24%



MM & Others 11.07%

Total 100.00%



AA+3.61%

AA5.91%

AA‐3.04%

61.01%


2.17%

10.33%

15.72%

40.71%

31.06%


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‐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

Aug‐15

Sep‐15

Oct‐15

Nov‐15

Dec‐15

Jan‐16

Feb‐16

Mar‐16

Apr‐16

May‐16

Jun‐16

Jul‐16

Aug‐16

Sep‐16

Oct‐ 16

Nov‐16

Dec‐16

Jan‐17

NAV/U

NIT (R

s)


NAV Benchmark


9.26%

5.76%

5.61%

5.20%

4.05%

2.70%

1.91%

1.21%

0.90%

0.00%

Infrastructure


Housing Sector

Civil engineering




Accommodation

Water transport

Others


1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionIndividual Life Income Fund 0.76% 2.37% 5.11% 12.20% 8.71% 10.84% 10.97%

Benchmark 1.11% 2.83% 5.95% 12.81% 10.06% 11.50% 11.44%




October 6, 2015 ULGF 003 20/03/15 SUD‐GN‐BN1 142

Products : AUM :

Rs. 10.49 Cr

Portfolio % to AUM

`



8.33% GOI ‐ 07‐Jun‐2036 10.69% 0% 30% 0.33 3.14%

8.30% GOI ‐ 31‐Dec‐2042 9.09% 0% 15% 0.00 0.00%

8.28% GOI ‐ 21‐Sep‐2027 7.35% 0% 15% 0.00 0.00%

7.16% GOI ‐ 20‐May‐2023 6.85%

7.61% GOI‐ 09‐May‐2030 6.77%

8.20% Gujarat 24 Jun 2025 6.07%

8.20% GOI ‐ 15‐Feb‐2022 5.22%

8.21% Maharashtra ‐ 09‐Dec‐2025 4.06%



MRF LTD. 5.28%

NATIONAL THERMAL POWER CORPORATION 5.18%






HDFC LTD. 3.15%



To generate stable returns over medium to long term with full exposure in debt market instruments by judicious

mix of Government Securities and high quality corporate debt and also in money market instruments.

Benchmark :


Debt


AUM (Rs. In Cr)

MM & Others

Mutual Funds

GROUP DEBT FUND - JANUARY 2017

For SUD Life Group Retirement Benefit Plan

Asset Mix


Actual


Mr. Yadnesh Chavan

Fixed Deposits with Banks

Debt96.86%

MM & Others3.14%




MM & Others 3.14%

Mutual Fund 0.00%

Fixed Deposit with Banks 0.00%

Total 100.00%



Absolute

AAA42.09%

Gilts57.91%


8.28%

20.05%

36.68%34.99%


10.00

10.20

10.40

10.60

10.80

11.00

11.20

11.40

11.60

11.80

6‐Oct‐15

21‐Oct‐15

5‐Nov‐15

20‐Nov‐15

5‐Dec‐15

20‐Dec‐15

4‐Jan

‐16

19‐Jan

‐16

3‐Feb

‐16

18‐Feb

‐16

4‐M

ar‐16

19‐M

ar‐16

3‐Apr‐16

18‐Apr‐16

3‐M

ay‐16

18‐M

ay‐16

2‐Jun‐16

17‐Jun‐16

2‐Jul‐16

17‐Jul‐16

1‐Aug‐16

16‐Aug‐16

31‐Aug‐16

15‐Sep

‐16

30‐Sep

‐16

15‐Oct‐16

30‐Oct‐16

14‐Nov‐16

29‐Nov‐16

14‐Dec‐16

29‐Dec‐16

13‐Jan

‐17

28‐Jan

‐17

NAV/U

NIT (Rs)


NAV Benchmark

Modified Duration ‐ 5.79 yrs10.18%

8.21%

5.28%

5.03%

4.97%

4.05%

3.05%

0.00%

Infrastructure

Housing Sector



Civil engineering


Water transport

Others


pGroup Debt Fund 0.90% 2.16% 5.21% 12.68% NA NA 14.21%Benchmark 1.14% 2.88% 6.09% 13.12% NA NA 14.90%




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. 421.51 Cr

Portfolio % to AUM

Debt & MM 101.18% Minimum Maximum


6.0500% GOI ‐ 02‐Feb‐2019 7.43% 0% 40% 101.67 24.12%

7.80% GOI ‐ 11‐Apr‐2021 5.67%

8.67% SDL ‐ Karnataka ‐ 18‐Jul‐2017 4.79%

5.69% GOI‐ 25‐Sep‐2018 4.70%7.68% GOI‐ 15‐Dec‐2023 4.07%7.46% GOI ‐ 28‐Aug‐2017 3.85%7.16% GOI ‐ 20‐May‐2023 3.76%7.83% GOI ‐ 11‐Apr‐2018 3.62%8.07% GOI ‐ 3‐Jul ‐2017 3.59%8.90% SDL ‐ Tamil Nadu ‐ 20‐Sep‐2022 2.52%7.28% GOI‐ 03‐Jun‐2019 2.42%7.4900% GOI ‐ 16‐Apr‐2017 2.38%6.35% GOI‐ 02‐Jan‐2020 2.37%8.83% GOI 25 Nov 2023 1.85%7.9500% GOI ‐ 28‐Aug‐2032 1.81%9.15% GOI ‐ 14‐Nov‐2024 1.67%9.63% Maharashtra ‐ 12‐Feb‐2024 1.61%8.24% GOI ‐ 15‐Feb‐2027 1.51%8.35% GOI ‐ 14‐May ‐2022 1.27%8.49% SDL ‐ Karnataka ‐ 18‐Mar‐2019 1.23%8 30%Maharashtra ‐ 25‐Mar‐2019 1 22%

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


Mr. Yadnesh Chavan

AUM (Rs. In Cr)

DISCONTINUED POLICIES FUND - JANUARY 2017

MM & Others24.12%


8.30% Maharashtra ‐ 25‐Mar‐2019 1.22%9.60% Gujarat ‐ 12‐Mar‐2018 1.22%8.27% Kerala 25 Mar 2019 1.22%8.43% MP ‐ 19‐Dec‐2017 1.21%8.00% Maharashtra ‐ 18‐Feb‐2018 1.20%7.99% GOI ‐ 09‐Jul‐2017 1.20%Others (with < 1% exposure) 6.46%

MM & Others 25.30%


Discontinued Policies Fund 0.64% 1.92% 4.00% 8.06% 7.84% 8.40% 8.01%

Benchmark 0.70% 2.09% 4.47% 9.43% 8.84% 9.08% 8.64%

Note: * Crisil Liquid Index 100% upto May 2013

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


Govt. Securties75.88%

9.80

10.10

10.40

10.70

11.00

11.3011.60

11.90

12.20

12.50

12.8013.10

13.40

13.70

14.00

14.30

14.60

14.90

15.20

15.50

15.80

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

Apr‐15

Jul‐15

Oct‐15

Jan‐16

Apr‐16

Jul‐16

Oct‐16

Jan‐17

NAV/U

NIT (R

s)

NAV Performance (Since Nov 01, 2011)

NAV Benchmark


23.97%

36.15%

9.09%

26.42%

4.38%





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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