Fact Sheet Without Comment-Final - SUD Life Fact Sheet... · 2019-11-07 · Balanced Fund Dhan Suraksha ... Axis Bank Limited 3.39% ITC Ltd. 3.24% Mahindra & Mahindra Ltd. 3.11% State

Fact Sheet

April – 2014

InveSTAR

MONTHLY REPORT – APRIL’2014

From the Desk of Chief Investment Officer…

With election code of conduct coming in force, no major policy announcements were made and the financial markets are reacting to the news flow regarding results of the Lok Sabha elections, to be announced on 16th May’ 2014. After contraction during the previous three months, retail as well as wholesale inflation recorded uptick in March’ 2014. Inflation trajectory is an important determinant to the direction of Interest rates in future and the key risk is increase of food price stemming from not very encouraging outlook of monsoons. Industrial activity continues to be weak as indicated by Index of Industrial Production (IIP) numbers. The weakness is stemming from contraction in demand of Capital Goods as well as Consumer Goods. On the back of low Gold and Silver Imports and pick-up in export growth, Merchandise Trade Deficit continues to be low, which is supporting INR exchange rate against US$, despite continued Foreign Exchange purchases by the RBI, as can be observed from rise in Forex Reserves of the country.

US Federal Reserve continued with QE tapering as the Fed believes that the strength in the economy is expected to continue. On the other hand, due to weak economic recovery in Euro zone, ECB kept the policy rates unchanged and expectations of another round of monetary easing are building up. Economic growth of China is also slowing down as apparent from successively lower growth rates during the last 2 quarters and a sharp drop in inflation in during April’ 2014.

Outlook for Equity Markets After making all time high of 6,870 on 25th April, Nifty corrected to 6,696 as at April end, losing about 0.1% during the month. During second week of May, on the back of sizable FII funds inflows, the equity market moved up sharply as the Lok Sabha Elections result date is nearing. Sensex valuation, though moved a little above long-term average, upside potential remains in a conducive political/economic environment. Once impact of political event is over, market direction will depend on policy actions by the Government, economic growth prospects, pattern of FII flows, 1Q’15 results, monsoon outlook and Global news flow. Outlook for Debt Markets After touching a high of 9.13% in early April, 10 year Benchmark G-sec. yield closed at 8.83% as at April end against 8.80% as at March end.

In the medium term, performance of Monsoon will have bearing on the food prices, CPI and Bond yields.

Performance Summary as on April 30, 2014

Scheme Name

SFIN

NAV BM NAV BM NAV BM NAV BM NAV BM

Apex Equity Fund

ULIF 009 20/01/10 SUD‐LA‐EQ1 142

Equity Fund

ULIF 002 25/02/09 SUD‐LI‐EQ1 142

Individual Pension Fund ‐ Apex Equity

ULIF 013 20/01/10 SUD‐PA‐EQ1 142

Individual Pension Fund ‐ Equity

ULIF 005 31/03/09 SUD‐PI‐EQ1 142

Apex Growth Fund

ULIF 010 20/01/10 SUD‐LA‐GR1 142

Growth Fund

ULIF 003 25/02/09 SUD‐LI‐GR1 142

Individual Pension Fund ‐ Apex Growth

ULIF 014 20/01/10 SUD‐PA‐GR1 142

Individual Pension Fund ‐ Growth

ULIF 006 31/03/09 SUD‐PI‐GR1 142

Apex Balanced Fund

ULIF 011 20/01/10 SUD‐LA‐BL1 142

Absolute CAGR

13.27% 7.23%

25/02/2009 94.93 24.22 6.65%

25/02/2009 150.79 22.59 6.83% 14.03%

20/01/2010 564.82 13.44 8.29% 16.49% 14.79%

13.17% 12.96%

12.73%

16.56% 13.96%

12.66%

11.35%

5.70%

6.15%

31/03/2009 65.34 20.85 7.02%

5.72%

18.12% 15.20% 6.81%

11.35% 6.15%

10.21% 11.35%13.48 7.16% 13.37% 13.19% 6.92%

12.66%

15.55%

31/03/2009 67.48 18.84 6.01%

20/01/2010 579.38 7.24%

20/01/2010 405.39 13.53 6.05% 10.37%5.29% 11.54% 7.23%

7.01% 13.27%

16.92%

8.29% 10.17%

1 Year6 Month

12.73%

10.21%

12.73%

10.21%

7.68% 16.76% 15.93%

6.42% 15.22% 14.44%

12.73%

10.21%

6.32%

6.50%

6.69%

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

17.68%5.99% 18.54%

7.29%

7.15%

5.70%

6.15%

7.33%

7.16%6.52%

12.66% 5.70%

7.84%

12.66%

11.35%

7.33%

Inception dateAUM (Rs. Cr)

NAV (Rs.)

6.17%

5.72%

6.17%

5.72%

6.17%

6.17%

5.72%

15.32%

16.15%

14.17%

6.32%

6.50%

20/01/2010 98.20 13.51

20/01/2010 111.36 13.43

5.70%

6.15%

6.63%

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 2814.36

18/02/2009 50.29 17.27 5.20% 9.14% 9.82% 7.48% 11.08%

25/02/2009 19.31 13.97 4.02% 4.36% 7.83% 7.79% 6.77%7.06% 7.46%

31/03/2009 40.55 16.41 5.11% 8.98% 10.00% 10.23%

31/03/2009 10.57 13.94 4.04% 4.81% 7.81% 7.83% 6.76%

8.91%

7.06%

7.00%7.42%

3.93% 2.65% 7.61% 6.93%3.78% 7.06% 7.68%

8.91%

NA 7.64%7.81%4.26% 7.99%

12.73% 8.23% 7.32%

7.17% 7.32% 6.63%

7.38% 10.01% NA 7.74%

8.29%

3.78%

6.29%4.83%

10.17%

7.06%

8.91%

6.63%11.85%

3.78%

03/06/2011 214.78 12.02 3.86% 6.24% 7.45%

29/04/2011 52.25 12.51 5.14%

20/01/2010 50.26 13.53 6.71%

20/01/2010 20.31 13.16 3.99%

6.29% 10.29%7.00%

8.21%

4.83%

4.13%

4.83%

4.13%

4.13%

5.29%

4.13%

6.43%

9.96%

6.52%

14

15

16

6.75%

6.69%

6.75%

6.99%

3.78%

6.29%

2.82%

20/01/2010 163.88 13.32

17

18

7.46%

NA

NA

7.46%

7.46%

10

11

12

13

NA 7.41% 8.35%

20 29/01/2014 12.55 10.72 NA NA NA NA NA NA NA NA 7.21% 7.39%

19 29/01/2014 10.70 10.74 NA

NA NA NA

NA NA NANA NA NA

NA NA NA NA 6.06% 4.70%

22 29/01/2014 14.20 10.29 NA NA NA NA NA NA NA NA 2.85% 2.65%

21 29/01/2014 17.00 10.61 NA

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

Fund Name (SFIN)

Apex Equity Fund

ULIF 009 20/01/10 SUD‐LA‐EQ1 142

Equity Fund

ULIF 002 25/02/09 SUD‐LI‐EQ1 142

Individual Pension Fund ‐ Apex Equity

ULIF 013 20/01/10 SUD‐PA‐EQ1 142

Individual Pension Fund ‐ Equity

ULIF 005 31/03/09 SUD‐PI‐EQ1 142

Apex Growth Fund

ULIF 010 20/01/10 SUD‐LA‐GR1 142

Growth Fund

ULIF 003 25/02/09 SUD‐LI‐GR1 142

Individual Pension Fund ‐ Apex Growth

ULIF 014 20/01/10 SUD‐PA‐GR1 142

Individual Pension Fund ‐ Growth

ULIF 006 31/03/09 SUD‐PI‐GR1 142

Apex Balanced Fund

ULIF 011 20/01/10 SUD‐LA‐BL1 142

Balanced Fund

Dhan Suraksha

Plus

Wealth Builder

Plan

New Dhruv Tara Dhan Suraksha

Express

Dhruv Tara

Product

New Dhan

Suraksha

New Dhan

Suraksha PremiumDhan Suraksha 3

Dhan Suraksha

Premium 3Prabhat Tara 3New Prabhat Tara

5

6

7

8

9

Funds available under ULIP Products

1

2

3

4

Product Name (UIN)Dhan Suraksha

Dhan Suraksha

PremiumPrabhat Tara

Balanced Fund

ULIF 001 18/02/09 SUD‐LI‐BL1 142

Individual Pension Fund ‐ Apex Balanced

ULIF 015 20/01/10 SUD‐PA‐BL1 142

Individual Pension Fund ‐ Balanced

ULIF 007 31/03/09 SUD‐PI‐BL1 142

Express Balanced Fund

ULIF 017 29/04/11 SUD‐LX‐BL1 142

Apex Bond Fund

ULIF 012 20/01/10 SUD‐LA‐BN1 142

Bond Fund

ULIF 004 25/02/09 SUD‐LI‐BN1 142

Individual Pension Fund ‐ Apex Bond

ULIF 016 20/01/10 SUD‐PA‐BN1 142

Individual Pension Fund ‐ Bond

ULIF 008 31/03/09 SUD‐PI‐BN1 142

Discontinued Policies Fund

ULIF 018 03/06/11 SUD‐UL‐DP1 142

Bluechip Equity Fund

ULIF 019 11/12/13 SUD‐LI‐EQ2 142

Growth Plus Fund

ULIF 023 11/12/13 SUD‐LI‐GR2 142

Balance Plus Fund

ULIF 024 11/12/13 SUD‐LI‐BL2 142

Income Fund

ULIF 020 11/12/13 SUD‐LI‐BN2 142

22

21

20

19

16

10

17

18

11

12

13

14

15

Investment Objective :

Date of Inception : SFIN No.

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

Products: AUM :

Rs. 564.82 Cr

Portfolio % to AUM

`

Equity 94.81% Minimum Maximum

Larsen & Toubro Limited 7.14% 80% 100% 94.81%

Reliance Industries Ltd 6.17% 0% 20% 5.19%

ICICI Bank Ltd 4.55%

Infosys Technologies Ltd. 3.83%

Bharti Airtel Limited 3.70%

HDFC Bank Ltd 3.66%

Axis Bank Limited 3.39%

ITC Ltd. 3.24%

Mahindra & Mahindra Ltd. 3.11%

State Bank of India 3.10%

Tata Motors Limited 3.08%

Oil & Natural Gas Corpn Ltd 3.07%

Tech Mahindra Limited 2.77%

Housing Development Finance Corporation Ltd. 2.67%

Tata Consultancy Services Limited 2.51%

HCL Technologies Ltd 2.08%

Tata Global Beverages Ltd. 1.97%

Coal India Limited 1.92%

Hindustan Petroleum Corporation Ltd. 1.90%

Sun Pharmaceuticals Industries Ltd 1.79%

Hindustan Unilever Limited 1.70%

Equity

MM & Others

APEX EQUITY FUND - APRIL 2014

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

related instruments.

Investment PatternActual

Asset Mix

Particulars

For New Dhan Suraksha, New Dhan Suraksha Premium,

New Prabhat Tara, Dhan Suraksha 3, Dhan Suraksha

Premium 3 & Prabhat Tara 3.

Benchmark :

CNX Nifty Index ‐ 90%

CRISIL Liquid Fund Index ‐ 10%

Equity94.81%

MM & Others5.19%

Asset Allocation (% to AUM)

Hindalco Industries Ltd. 1.57%

Tata Steel Limited 1.52%

Sesa Sterlite Ltd. 1.52%

Aditya Birla Nuvo Limited 1.50%

IndusInd Bank Limited 1.43%

Bajaj Auto Limited 1.36%

Cairn India Limited 1.34%

Colgate Palmolive (India) Ltd 1.30%

Hero Motocorp Ltd. 1.23%

Cipla Ltd. 1.23%

Wipro Ltd 1.19%

NMDC Limited 1.15%

Maruti Suzuki India Limited 1.10%

Idea Cellular Limited 1.10%

Power Grid Corporation of India Limited 1.05%

Infrastructure Development Finance Company Limited 1.04%

Lupin Limited 1.03%

Others (with < 1% exposure) 5.80%

MM & Others 5.19%

Total 100.00%

`

23.58%

12.40%

8.59%

8.07%

7.29%

7.14%

5.01%

4.60%

3.24%

3.10%

Financial & Insurance Activities

Computer programming, consultancy and related activities

Infrastructure

Manufacture of coke and refined petroleum products

Manufacture of motor vehicles, trailers and semi-trailers

Civil engineering

Manufacture of pharmaceuticals,medicinal chemical and botanical products

Manufacture of chemicals and chemical products

Manufacture of tobacco products

Manufacture of Basic Metals

Top 10 Industry Exposure ( % to AUM)

Equity94.81%

MM & Others5.19%


8.5

9.0

9.5

10.0

10.5

11.0

11.5

12.0

12.5

13.0

13.5

14.0

Jan‐10

Mar‐10

Apr‐10

May‐10

Jun‐10

Aug‐10

Sep‐10

Oct‐10

Dec‐10

Jan‐11

Feb‐11

Apr‐11

May‐11

Jun‐11

Aug‐11

Sep‐11

Oct‐11

Dec‐11

Jan‐12

Feb‐12

Mar‐12

May‐12

Jun‐12

Jul‐12

Sep‐12

Oct‐12

Nov‐12

Jan‐13

Feb‐13

Mar‐13

May‐13

Jun‐13

Jul‐13

Sep‐13

Oct‐13

Nov‐13

Dec‐13

Feb‐14

Mar‐14

Apr‐14

NAV/U

NIT (Rs)

NAV Performance (Since Inception)

NAV Benchmark

Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionApex Equity Fund 0.88% 11.12% 8.29% 16.49% 14.79% 6.52% 7.16%Benchmark ‐0.03% 9.19% 6.17% 12.73% 12.66% 5.70% 6.32%

23.58%

12.40%

8.59%

8.07%

7.29%

7.14%

5.01%

4.60%

3.24%

3.10%



Infrastructure



Civil engineering






Equity94.81%

MM & Others5.19%


8.5

9.0

9.5

10.0

10.5

11.0

11.5

12.0

12.5

13.0

13.5

14.0

Jan‐10

Mar‐10

Apr‐10

May‐10

Jun‐10

Aug‐10

Sep‐10

Oct‐10

Dec‐10

Jan‐11

Feb‐11

Apr‐11

May‐11

Jun‐11

Aug‐11

Sep‐11

Oct‐11

Dec‐11

Jan‐12

Feb‐12

Mar‐12

May‐12

Jun‐12

Jul‐12

Sep‐12

Oct‐12

Nov‐12

Jan‐13

Feb‐13

Mar‐13

May‐13

Jun‐13

Jul‐13

Sep‐13

Oct‐13

Nov‐13

Dec‐13

Feb‐14

Mar‐14

Apr‐14

NAV/U

NIT (Rs)


NAV Benchmark

Investment Objective:


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

Products : AUM:

Rs. 94.93 Cr

Portfolio % to AUM

`





ITC Ltd. 5.40%

HDFC Bank Ltd 5.09%










Yes Bank Limited 2.79%


Wipro Ltd 2.31%


Dr. Reddys Laboratories Ltd. 1.80%

Equity

MM & Others

EQUITY FUND - APRIL 2014

For Dhan Suraksha, Dhan Suraksha Premium, Prabhat

Tara.

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

equity‐related instruments.


Asset Mix

Particulars

Benchmark :



Equity95.38%

MM & Others4.62%




Grasim Industries Ltd. 1.75%


Lupin Limited 1.60%




Cipla Ltd. 1.17%





MM & Others 3.13%

Total 100.00%

`

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

23.60%

13.93%

8.66%

7.58%

7.33%

7.21%

6.62%

5.40%

3.89%

2.84%




Infrastructure


Civil engineering



Extraction of crude petroleum and natural gas


Top 10 Industry Exposure (% to AUM)

Equity95.38%

MM & Others4.62%


9

11

13

15

17

19

21

23

Feb‐09

Apr‐09

May‐ …

Jun‐09

Aug‐…

Sep‐09

Oct‐09

Dec‐ …

Jan‐10

Feb‐10

Apr‐10

May‐ …

Jun‐10

Jul‐10

Sep‐10

Oct‐10

Nov‐…

Jan‐11

Feb‐11

Mar‐ …

May‐…

Jun‐11

Jul‐11

Sep‐11

Oct‐11

Nov‐…

Jan‐12

Feb‐12

Mar‐ …

Apr‐12

Jun‐12

Jul‐12

Aug‐…

Oct‐12

Nov‐…

Dec‐…

Feb‐13

Mar‐…

Apr‐13

Jun‐13

Jul‐13

Aug‐…

Oct‐13

Nov‐…

Dec‐…

Jan‐14

Mar‐ …

Apr‐14

NAV/U

NIT (Rs)

NAV Performance (Since Inception)NAV Benchmark


Equity Fund 0.60% 10.53% 6.65% 16.56% 13.96% 5.99% 18.54%

Benchmark ‐0.03% 9.19% 6.17% 12.73% 12.66% 5.70% 17.68%

23.60%

13.93%

8.66%

7.58%

7.33%

7.21%

6.62%

5.40%

3.89%

2.84%




Infrastructure


Civil engineering





Top 10 Industry Exposure (% to AUM)

Equity95.38%

MM & Others4.62%


9

11

13

15

17

19

21

23

Feb‐09

Apr‐09

May‐ …

Jun‐09

Aug‐…

Sep‐09

Oct‐09

Dec‐ …

Jan‐10

Feb‐10

Apr‐10

May‐ …

Jun‐10

Jul‐10

Sep‐10

Oct‐10

Nov‐…

Jan‐11

Feb‐11

Mar‐ …

May‐…

Jun‐11

Jul‐11

Sep‐11

Oct‐11

Nov‐…

Jan‐12

Feb‐12

Mar‐ …

Apr‐12

Jun‐12

Jul‐12

Aug‐…

Oct‐12

Nov‐…

Dec‐…

Feb‐13

Mar‐…

Apr‐13

Jun‐13

Jul‐13

Aug‐…

Oct‐13

Nov‐…

Dec‐…

Jan‐14

Mar‐ …

Apr‐14

NAV/U

NIT (Rs)




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

Products : AUM :

Rs. 98.20 Cr

Portfolio % to AUM

`







HDFC Bank Ltd 4.52%








ITC Ltd. 2.90%





INDIVIDUAL PENSION FUND APEX EQUITY - APRIL 2014

Equity

For New Dhruv Tara Products

MM & Others

To seek consistent long term capital appreciation through investments primarily in equity and equity‐related

instruments by focusing predominantly on well established companies.

Asset Mix

ParticularsInvestment Pattern

Actual

Benchmark :



Equity95.63%

MM & Others4.37%







Cipla Ltd. 1.61%






Wipro Ltd 1.06%Others (with < 1% exposure) 4.01%

MM & Others 4.37%

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 A E it 0 75% 11 05% 7 68% 16 76% 15 93% 7 33% 7 29%

23.18%

13.57%

9.87%

8.16%

7.75%

5.62%

5.11%

4.97%

3.81%

3.23%





Civil engineering


Infrastructure

Manufacture of pharmaceuticals,medicinal chemical and

botanical products




Equity95.63%

MM & Others4.37%


8.5

9.0

9.5

10.0

10.5

11.0

11.5

12.0

12.5

13.0

Jan‐10

Mar‐10

Apr‐10

May‐10

Jun‐10

Aug‐10

Sep‐10

Oct‐10

Dec‐10

Jan‐11

Feb‐11

Apr‐11

May‐11

Jun‐11

Aug‐11

Sep‐11

Oct‐11

Dec‐11

Jan‐12

Feb‐12

Mar‐12

May‐12

Jun‐12

Jul‐12

Sep‐12

Oct‐12

Nov‐12

Jan‐13

Feb‐13

Mar‐13

May‐13

Jun‐13

Jul‐13

Sep‐13

Oct‐13

Nov‐13

Dec‐13

Feb‐14

Mar‐14

Apr‐14

NAV/U

NIT (Rs)


NAV Benchmark

Individual Pension Fund ‐ Apex Equity 0.75% 11.05% 7.68% 16.76% 15.93% 7.33% 7.29%Benchmark ‐0.03% 9.19% 6.17% 12.73% 12.66% 5.70% 6.32%

23.18%

13.57%

9.87%

8.16%

7.75%

5.62%

5.11%

4.97%

3.81%

3.23%





Civil engineering


Infrastructure

Manufacture of pharmaceuticals,medicinal chemical and

botanical products




Equity95.63%

MM & Others4.37%


8.5

9.0

9.5

10.0

10.5

11.0

11.5

12.0

12.5

13.0

Jan‐10

Mar‐10

Apr‐10

May‐10

Jun‐10

Aug‐10

Sep‐10

Oct‐10

Dec‐10

Jan‐11

Feb‐11

Apr‐11

May‐11

Jun‐11

Aug‐11

Sep‐11

Oct‐11

Dec‐11

Jan‐12

Feb‐12

Mar‐12

May‐12

Jun‐12

Jul‐12

Sep‐12

Oct‐12

Nov‐12

Jan‐13

Feb‐13

Mar‐13

May‐13

Jun‐13

Jul‐13

Sep‐13

Oct‐13

Nov‐13

Dec‐13

Feb‐14

Mar‐14

Apr‐14

NAV/U

NIT (Rs)


NAV Benchmark



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

Products : AUM :

Rs. 65.34 Cr

Portfolio % to AUM

`







ITC Ltd. 4.70%

HDFC Bank Ltd 4.55%











Tech Mahindra Limited 1 68%

MM & Others

INDIVIDUAL PENSION FUND EQUITY - APRIL 2014

Equity

For Dhruv Tara Products

To seek consistent long term capital appreciation through investments primarily in equity and equity‐related

instruments by focusing predominantly on well established companies.

Asset Mix


Actual

Benchmark :



Equity95.44%

MM & Others4.56%



Lupin Limited 1.68%


Wipro Ltd 1.60%





Cipla Ltd. 1.22%



Power Grid Corporation of India Limited 1.04%Others (with < 1% exposure) 6.43%

MM & Others 4.56%

Total 100.00%

`


23.66%

13.96%

9.15%

8.15%

7.07%

6.91%

6.64%

4.70%

3.60%

2.78%




Civil engineering

Manufacture of motor vehicles, trailers and semi‐trailers


Infrastructure





Equity95.44%

MM & Others4.56%


9.5

10.5

11.5

12.5

13.5

14.5

15.5

16.5

17.5

18.5

19.5

20.5

21.5

22.5

Mar‐…

May‐…

Jul‐09

Aug‐09

Oct‐09

Dec‐09

Jan‐10

Mar‐…

May‐…

Jun‐10

Aug‐10

Oct‐10

Nov‐10

Jan‐11

Mar‐…

Apr‐11

Jun‐11

Jul‐11

Sep‐11

Nov‐11

Dec‐11

Feb‐12

Apr‐12

May‐…

Jul‐12

Sep‐12

Oct‐12

Dec‐12

Jan‐13

Mar‐…

May‐…

Jun‐13

Aug‐13

Oct‐13

Nov‐13

Jan‐14

Mar‐…

Apr‐14

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 ‐ Equity 0.80% 10.38% 7.02% 18.12% 15.20% 6.81% 15.55%Benchmark ‐0.03% 9.19% 6.17% 12.73% 12.66% 5.70% 16.15%

23.66%

13.96%

9.15%

8.15%

7.07%

6.91%

6.64%

4.70%

3.60%

2.78%




Civil engineering



Infrastructure





Equity95.44%

MM & Others4.56%


9.5

10.5

11.5

12.5

13.5

14.5

15.5

16.5

17.5

18.5

19.5

20.5

21.5

22.5

Mar‐…

May‐…

Jul‐09

Aug‐09

Oct‐09

Dec‐09

Jan‐10

Mar‐…

May‐…

Jun‐10

Aug‐10

Oct‐10

Nov‐10

Jan‐11

Mar‐…

Apr‐11

Jun‐11

Jul‐11

Sep‐11

Nov‐11

Dec‐11

Feb‐12

Apr‐12

May‐…

Jul‐12

Sep‐12

Oct‐12

Dec‐12

Jan‐13

Mar‐…

May‐…

Jun‐13

Aug‐13

Oct‐13

Nov‐13

Jan‐14

Mar‐…

Apr‐14

NAV/U

NIT (R

s)


NAV Benchmark



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

Products : AUM :

Rs. 10.70 Cr

Portfolio % to AUM

`




HDFC Bank Ltd 4.88%


ITC Ltd. 4.78%






Cipla Ltd. 2.77%



Lupin Limited 2.50%




Sesa Sterlite Ltd 2 25%

For Dhan Suraksha Plus & Wealth Builder Plan

INDIVIDUAL BLUE CHIP EQUITY - APRIL 2014

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

securities.

Benchmark :



MM & Others

Asset Mix


Actual

Equity

Equity84.33%

MM & Others15.67%



Wipro Ltd 2.18%

Power Finance Corporation Limited 2.15%









Bajaj Auto Limited 1.13%Others (with < 1% exposure) 4.08%

MM & Others 15.67%

Total 100.00%

`


19.38%

13.69%

8.84%

5.31%

5.27%

5.01%

4.86%

4.78%

4.22%

3.69%



Infrastructure

Civil engineering





Manufacture of other transport equipment



Equity84.33%

MM & Others15.67%


9.0000

9.2000

9.4000

9.6000

9.8000

10.0000

10.2000

10.4000

10.6000

10.8000

11.0000

11.2000

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 Blue Chip Equity ‐0.01% 7.36% ‐ ‐ ‐ ‐ 7.41%Benchmark 0.01% 8.81% ‐ ‐ ‐ ‐ 8.35%

19.38%

13.69%

8.84%

5.31%

5.27%

5.01%

4.86%

4.78%

4.22%

3.69%



Infrastructure

Civil engineering








Equity84.33%

MM & Others15.67%


9.0000

9.2000

9.4000

9.6000

9.8000

10.0000

10.2000

10.4000

10.6000

10.8000

11.0000

11.2000

NAV/U

NIT (R

s)


NAV Benchmark



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

Products : AUM :

Rs. 579.38 Cr

Portfolio % to AUM

`












HDFC Bank Ltd 2.43%




ITC Ltd. 1.81%










Equity

Debt, MM & Others

APEX GROWTH FUND - APRIL 2014

To aim for medium to long term capital appreciation by maintaining a diversified portfolio of equity and equity

related instruments and fair exposure to high credit quality portfolio of debt and money market instruments.


Asset Mix

Particulars




Benchmark :


CRISIL Composite Bond Index ‐ 30%

Debt22.24%

Equity73.19%

MM & Others4.57%


Gilt23.84%

AA+14.33%

AA‐1.58%

Debt Rating Profile (% of Debt)


NMDC Limited 1.16%



Idea Cellular Limited 1.07%

Cipla Ltd. 1.04%





Debt 22.24%

Gilts & SDL 5.30%

GOI 4.69%

SDL (with < 1% exposure) 0.61%

Corporate Bonds 16.94%

POWER FINANCE CORPORATION LTD. 2.28%

POWER GRID CORPORATION OF INDIA LTD 2.14%

RURAL ELECTRIFICATION CORPORATION L 2.14%

LIC HOUSING FINANCE LTD 1.24%


MM & Others 4.57%

Total 100.00%

`

21.51%

14.01%

11.47%

7.55%

5.27%

4.86%

4.43%

3.54%

3.51%

2.54%


Infrastructure




Civil engineering





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

3.31%

9.79%

15.29%

52.23%

19.38%

Debt Maturity Profile ( % of Debt)

Debt22.24%

Equity73.19%

MM & Others4.57%


Gilt23.84%

AAA60.25%

AA+14.33%

AA‐1.58%


Modified Duration ‐ 3.99 yrs

9.5

10

10.5

11

11.5

12

12.5

13

13.5

14

Jan‐10

Mar‐10

Apr‐10

May‐10

Jun‐10

Aug‐10

Sep‐10

Oct‐10

Dec‐10

Jan‐11

Feb‐11

Apr‐11

May‐11

Jun‐11

Aug‐11

Sep‐11

Oct‐11

Dec‐11

Jan‐12

Feb‐12

Mar‐12

May‐12

Jun‐12

Jul‐12

Sep‐12

Oct‐12

Nov‐12

Jan‐13

Feb‐13

Mar‐13

May‐13

Jun‐13

Jul‐13

Sep‐13

Oct‐13

Nov‐13

Dec‐13

Feb‐14

Mar‐14

Apr‐14

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 Growth Fund 1.20% 8.89% 7.16% 13.37% 13.19% 6.92% 7.24%Benchmark 0.23% 7.80% 5.72% 10.21% 11.35% 6.15% 6.50%

21.51%

14.01%

11.47%

7.55%

5.27%

4.86%

4.43%

3.54%

3.51%

2.54%


Infrastructure




Civil engineering





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

3.31%

9.79%

15.29%

52.23%

19.38%


Debt22.24%

Equity73.19%

MM & Others4.57%


Gilt23.84%

AAA60.25%

AA+14.33%

AA‐1.58%



9.5

10

10.5

11

11.5

12

12.5

13

13.5

14

Jan‐10

Mar‐10

Apr‐10

May‐10

Jun‐10

Aug‐10

Sep‐10

Oct‐10

Dec‐10

Jan‐11

Feb‐11

Apr‐11

May‐11

Jun‐11

Aug‐11

Sep‐11

Oct‐11

Dec‐11

Jan‐12

Feb‐12

Mar‐12

May‐12

Jun‐12

Jul‐12

Sep‐12

Oct‐12

Nov‐12

Jan‐13

Feb‐13

Mar‐13

May‐13

Jun‐13

Jul‐13

Sep‐13

Oct‐13

Nov‐13

Dec‐13

Feb‐14

Mar‐14

Apr‐14

NAV/U

NIT (R

s)


NAV Benchmark



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

Products : AUM:

Rs. 150.79 Cr

Portfolio % to AUM

`









ITC Ltd. 2.94%




HDFC Bank Ltd 2.24%









Y B k Li it d 1 17%

Equity

Debt, MM & Others




Asset Mix

Particulars

GROWTH FUND - APRIL 2014

For Dhan Suraksha, Dhan Suraksha Premium, Prabhat Tara

& Dhan Suraksha Express.

Benchmark :



AA+15.87%


Debt22.93%

Equity72.40%

MM & Others4.67%





Cipla Ltd. 1.01%

IndusInd Bank Limited 1.00%Others (with < 1% exposure) 11.86%

Debt 22.93%

Gilts & SDL 7.22%

GOI 5.93%



STEEL AUTHORITY OF INDIA LTD. 2.08%

RELIANCE PORTS & TERMINALS LTD. 1.38%

TATA CAPITAL FINANCIAL SERVICES LTD 1.33%

THE INDIAN HOTELS COMPANY LTD. 1.33%

HDFC LTD. 1.18%

RELIANCE CAPITAL LTD. 1.07%Others (with < 1% exposure) 4.88%

MM & Others 4.67%

Total 100.00%

`

22.22%

11.83%

10.62%

6.93%

6.56%

4.96%

4.67%

4.38%

2.94%

2.41%



Infrastructure


Civil engineering







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

10.39%

22.32%

7.13%

39.83%

20.33%


Gilt31.48%

AAA52.07%

AA0.58%

AA+15.87%


9

10

11

12

13

14

15

16

17

18

19

20

21

22

Feb‐09

Apr‐09

May‐09

Jun‐09

Aug‐09

Sep‐09

Oct‐09

Dec‐09

Jan‐10

Feb‐10

Apr‐10

May‐10

Jun‐10

Jul‐10

Sep‐10

Oct‐10

Nov‐10

Jan‐11

Feb‐11

Mar‐11

May‐11

Jun‐11

Jul‐11

Sep‐11

Oct‐11

Nov‐11

Jan‐12

Feb‐12

Mar‐12

Apr‐12

Jun‐12

Jul‐12

Aug‐12

Oct‐ 12

Nov‐12

Dec‐12

Feb‐13

Mar‐13

Apr‐13

Jun‐13

Jul‐13

Aug‐13

Oct‐13

Nov‐13

Dec‐13

Jan‐14

Mar‐14

Apr‐14

NAV/U

NIT (Rs)


Debt22.93%

Equity72.40%

MM & Others4.67%



Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionGrowth Fund 0.92% 8.28% 6.83% 14.03% 13.27% 7.23% 16.92%Benchmark 0.23% 7.80% 5.72% 10.21% 11.35% 6.15% 15.32%

22.22%

11.83%

10.62%

6.93%

6.56%

4.96%

4.67%

4.38%

2.94%

2.41%



Infrastructure


Civil engineering








10.39%

22.32%

7.13%

39.83%

20.33%


Gilt31.48%

AAA52.07%

AA0.58%

AA+15.87%


9

10

11

12

13

14

15

16

17

18

19

20

21

22

Feb‐09

Apr‐09

May‐09

Jun‐09

Aug‐09

Sep‐09

Oct‐09

Dec‐09

Jan‐10

Feb‐10

Apr‐10

May‐10

Jun‐10

Jul‐10

Sep‐10

Oct‐10

Nov‐10

Jan‐11

Feb‐11

Mar‐11

May‐11

Jun‐11

Jul‐11

Sep‐11

Oct‐11

Nov‐11

Jan‐12

Feb‐12

Mar‐12

Apr‐12

Jun‐12

Jul‐12

Aug‐12

Oct‐ 12

Nov‐12

Dec‐12

Feb‐13

Mar‐13

Apr‐13

Jun‐13

Jul‐13

Aug‐13

Oct‐13

Nov‐13

Dec‐13

Jan‐14

Mar‐14

Apr‐14

NAV/U

NIT (Rs)


Debt22.93%

Equity72.40%

MM & Others4.67%





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

Products : AUM :

Rs. 111.36 Cr

Portfolio % to AUM

`





HDFC Bank Ltd 4.26%






ITC Ltd. 2.96%








Cipla Ltd. 1.59%


Lupin Limited 1.56%

INDIVIDUAL PENSION FUND APEX GROWTH - APRIL 2014

Equity


Debt, MM & Others

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

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

credit quality portfolio of debt and money market instruments.

Asset Mix


Actual

Benchmark :



Debt22.08%

Equity73.20%

MM & Others4.72%


Gilt19.18%

AA+2.00%


p





Debt 22.08%

Gilts & SDL 4.24%

GOI 2.80%SDL (with < 1% exposure) 1.44%




HDFC LTD. 2.22%


TATA SONS LTD. 1.15%


MM & Others 4.72%

Total 100.00%

`

23.42%

13.56%

11.59%

6.96%

6.48%

5.83%

4.17%

4.15%

3.33%

2.96%


Infrastructure



Civil engineering


Housing Sector






11.34%

24.51%

2.06%

53.26%

8.82%


Debt22.08%

Equity73.20%

MM & Others4.72%


Gilt19.18%

AAA78.81%

AA+2.00%


9.0

9.5

10.0

10.5

11.0

11.5

12.0

12.5

13.0

Jan‐10

Mar‐10

Apr‐10

May‐10

Jun‐10

Aug‐10

Sep‐10

Oct‐10

Dec‐10

Jan‐11

Feb‐11

Apr‐11

May‐11

Jun‐11

Aug‐11

Sep‐11

Oct‐11

Dec‐11

Jan‐12

Feb‐12

Mar‐12

May‐12

Jun‐12

Jul‐12

Sep‐12

Oct‐12

Nov‐12

Jan‐13

Feb‐13

Mar‐13

May‐13

Jun‐13

Jul‐13

Sep‐ 13

Oct‐13

Nov‐13

Dec‐13

Feb‐14

Mar‐14

Apr‐14

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 0.92% 7.84% 6.42% 15.22% 14.44% 7.84% 7.15%Benchmark 0.23% 7.80% 5.72% 10.21% 11.35% 6.15% 6.50%

23.42%

13.56%

11.59%

6.96%

6.48%

5.83%

4.17%

4.15%

3.33%

2.96%


Infrastructure



Civil engineering


Housing Sector






11.34%

24.51%

2.06%

53.26%

8.82%


Debt22.08%

Equity73.20%

MM & Others4.72%


Gilt19.18%

AAA78.81%

AA+2.00%


9.0

9.5

10.0

10.5

11.0

11.5

12.0

12.5

13.0

Jan‐10

Mar‐10

Apr‐10

May‐10

Jun‐10

Aug‐10

Sep‐10

Oct‐10

Dec‐10

Jan‐11

Feb‐11

Apr‐11

May‐11

Jun‐11

Aug‐11

Sep‐11

Oct‐11

Dec‐11

Jan‐12

Feb‐12

Mar‐12

May‐12

Jun‐12

Jul‐12

Sep‐12

Oct‐12

Nov‐12

Jan‐13

Feb‐13

Mar‐13

May‐13

Jun‐13

Jul‐13

Sep‐ 13

Oct‐13

Nov‐13

Dec‐13

Feb‐14

Mar‐14

Apr‐14

NAV/U

NIT (Rs)


NAV Benchmark




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

Products : AUM :

Rs. 67.48 Cr

Portfolio % to AUM

`






HDFC Bank Ltd 3.60%


















ITC Ltd. 1.34%

Others (with < 1% exposure) 4 95%

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

through investments primarily in equity and equity‐related instruments and fair exposure to high credit quality portfolio

of debt and money market instruments.

Asset Mix

INDIVIDUAL PENSION FUND GROWTH - APRIL 2014


Benchmark :



Equity

Debt, MM & Others


Actual

Gilt6.04%

AA

AA+13.14%


Debt22.55%

Equity72.22%

MM & Others5.23%



Debt 22.55%

Gilts & SDL 1.36%

GOI 1.26%




THE GREAT EASTERN SHIPPING CO. LTD. 2.53%

HDFC LTD. 1.90%

INDIAN OIL CORPORATION LTD 1.86%

IRFC LTD. 1.50%



TATA COMMUNICATIONS LTD. 1.48%




MM & Others 5.23%

Total 100.00%

`

22.40%

10.88%

10.21%

8.76%

6.53%

5.73%

4.53%

3.99%

3.36%

3.23%


Infrastructure




Civil engineering







22.29%

28.07%

10.21%

33.46%

5.97%


Gilt6.04%

AAA79.51%

AA1.32%

AA+13.14%


9.09.5

10.010.511.011.512.012.513.013.514.014.515.015.516.016.517.017.518.018.519.019.5

Mar‐09

May‐09

Jul‐09

Aug‐09

Oct‐09

Dec‐09

Jan‐10

Mar‐10

May‐10

Jun‐10

Aug‐10

Oct‐10

Nov‐10

Jan‐11

Mar‐11

Apr‐11

Jun‐11

Jul‐11

Sep‐11

Nov‐11

Dec‐11

Feb‐12

Apr‐12

May‐12

Jul‐12

Sep‐12

Oct‐12

Dec‐12

Jan‐13

Mar‐13

May‐13

Jun‐13

Aug‐13

Oct‐13

Nov‐13

Jan‐14

Mar‐14

Apr‐14

NAV/U

NIT (Rs)


NAV Benchmark

Debt22.55%

Equity72.22%

MM & Others5.23%



Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionIndividual Pension Fund ‐ Growth 0.75% 8.38% 6.01% 13.17% 12.96% 7.01% 13.27%Benchmark 0.23% 7.80% 5.72% 10.21% 11.35% 6.15% 14.17%

22.40%

10.88%

10.21%

8.76%

6.53%

5.73%

4.53%

3.99%

3.36%

3.23%


Infrastructure




Civil engineering







22.29%

28.07%

10.21%

33.46%

5.97%


Gilt6.04%

AAA79.51%

AA1.32%

AA+13.14%


9.09.5

10.010.511.011.512.012.513.013.514.014.515.015.516.016.517.017.518.018.519.019.5

Mar‐09

May‐09

Jul‐09

Aug‐09

Oct‐09

Dec‐09

Jan‐10

Mar‐10

May‐10

Jun‐10

Aug‐10

Oct‐10

Nov‐10

Jan‐11

Mar‐11

Apr‐11

Jun‐11

Jul‐11

Sep‐11

Nov‐11

Dec‐11

Feb‐12

Apr‐12

May‐12

Jul‐12

Sep‐12

Oct‐12

Dec‐12

Jan‐13

Mar‐13

May‐13

Jun‐13

Aug‐13

Oct‐13

Nov‐13

Jan‐14

Mar‐14

Apr‐14

NAV/U

NIT (Rs)


NAV Benchmark

Debt22.55%

Equity72.22%

MM & Others5.23%





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

Products : AUM:

Rs. 12.55 Cr

Portfolio % to AUM

`


State Bank of India 4.31% 40% 100% 63.17%

ITC Ltd. 3.95% 0% 60% 22.41%


Reliance Industries Ltd 3.72%

HDFC Bank Ltd 3.37%








Lupin Limited 2.13%


Cipla Ltd. 2.01%




Wi L d 1 88%

Benchmark :

GROWTH PLUS FUND - APRIL 2014



For Dhan Suraksha Plus & Wealth Builder Plan.

Asset Mix


Actual

MM & Others

Equity

Debt




Debt22.41%

Equity63.17%

MM & Others14.42%


Wipro Ltd 1.88%

Power Finance Corporation Limited 1.83%








Debt 22.41%

Gilts & SDL 22.41%

GOI 20.37%

SDL ‐ TAMIL NADU 2.04%

MM & Others 14.42%

Total 100.00%

`

18.36%

9.92%

7.97%

4.14%

4.13%

3.95%

3.83%

3.72%

3.41%

3.41%



Infrastructure




Civil engineering





5‐10 years > 10 years

88.61%

11.39%



Gilt100.00%


9

9.2

9.4

9.6

9.8

10

10.2

10.4

10.6

10.8

11

NAV/U

NIT (R

s)


Debt22.41%

Equity63.17%

MM & Others14.42%


Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionGrowth Plus Fund 0.49% 7.06% ‐ ‐ ‐ ‐ 7.21%

Benchmark 0.23% 7.80% ‐ ‐ ‐ ‐ 7.39%

18.36%

9.92%

7.97%

4.14%

4.13%

3.95%

3.83%

3.72%

3.41%

3.41%



Infrastructure




Civil engineering





5‐10 years > 10 years

88.61%

11.39%



Gilt100.00%


9

9.2

9.4

9.6

9.8

10

10.2

10.4

10.6

10.8

11

NAV/U

NIT (R

s)


Debt22.41%

Equity63.17%

MM & Others14.42%




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

Products : AUM :

Rs. 405.39 Cr

Portfolio % to AUM

`



ICICI Bank Ltd 3.25% 35% 65% 49.73%








HDFC Bank Ltd 1.64%


ITC Ltd. 1.57%









Debt 42.12%

Gilts & SDL 13.15%

APEX BALANCED FUND - APRIL 2014


Asset Mix

Particulars

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 :



Debt42.12%

Equity50.27%

MM & Others7.62%

Asset Allocation( % to AUM)

Gilt31 22%

AA+13.66%

AA‐2.98%


Gilts & SDL 13.15%

GOI 9.97%







HINDALCO INDUSTRIES LTD. 1.34%

UNITED PHOSPHORUS LTD. 1.26%

RAYMOND LTD. 1.25%

HINDUSTAN PETROLEUM CORPORATION LTD 1.21%


IL & FS LTD. 1.13%

M & M FINANCIAL SERVICES LTD. 1.10%



MM & Others 7.62%

Total 100.00%

`


21.34%

15.72%

8.01%

5.39%

4.37%

3.87%

3.65%

3.30%

3.10%

2.69%


Infrastructure



Civil engineering




Housing Sector




5.33%

9.98%13.66%

55.99%

15.04%


Debt42.12%

Equity50.27%

MM & Others7.62%


Gilt31.22%

AAA52.14%

AA+13.66%

AA‐2.98%


9

9.5

10

10.5

11

11.5

12

12.5

13

13.5

14

Jan‐10

Mar‐ …

Apr‐10

May‐ …

Jun‐10

Aug‐10

Sep‐10

Oct‐10

Dec‐10

Jan‐11

Feb‐11

Apr‐11

May‐ …

Jun‐11

Aug‐11

Sep‐11

Oct‐11

Dec‐11

Jan‐12

Feb‐12

Mar‐ …

May‐…

Jun‐12

Jul‐12

Sep‐12

Oct‐12

Nov‐12

Jan‐13

Feb‐13

Mar‐ …

May‐…

Jun‐13

Jul‐13

Sep‐13

Oct‐13

Nov‐13

Dec‐13

Feb‐14

Mar‐ …

Apr‐14

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 Balanced Fund 0.97% 6.59% 6.05% 10.37% 11.54% 7.23% 7.33%

Benchmark 0.45% 6.37% 5.29% 8.29% 10.17% 6.63% 6.69%

21.34%

15.72%

8.01%

5.39%

4.37%

3.87%

3.65%

3.30%

3.10%

2.69%


Infrastructure



Civil engineering




Housing Sector




5.33%

9.98%13.66%

55.99%

15.04%


Debt42.12%

Equity50.27%

MM & Others7.62%


Gilt31.22%

AAA52.14%

AA+13.66%

AA‐2.98%


9

9.5

10

10.5

11

11.5

12

12.5

13

13.5

14

Jan‐10

Mar‐ …

Apr‐10

May‐ …

Jun‐10

Aug‐10

Sep‐10

Oct‐10

Dec‐10

Jan‐11

Feb‐11

Apr‐11

May‐ …

Jun‐11

Aug‐11

Sep‐11

Oct‐11

Dec‐11

Jan‐12

Feb‐12

Mar‐ …

May‐…

Jun‐12

Jul‐12

Sep‐12

Oct‐12

Nov‐12

Jan‐13

Feb‐13

Mar‐ …

May‐…

Jun‐13

Jul‐13

Sep‐13

Oct‐13

Nov‐13

Dec‐13

Feb‐14

Mar‐ …

Apr‐14

NAV/U

NIT (Rs)


NAV Benchmark




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

Products : AUM :

Rs. 50.29 Cr

% to AUM

`


ICICI Bank Ltd 2.72% 0% 60% 32.31%



ITC Ltd. 2.30%

Larsen & Toubro Limited 2.16%












HDFC Bank Ltd 1.05%

National Thermal Power Corporation Limited 1.04%


Debt 61.67%

Gilts & SDL 15.84%

GOI 13.67%


Equity

Debt, MM & Others

BALANCED FUND - APRIL 2014

To aim for stable returns over medium to long term through investments in high quality fixed income and

money market instruments and enhance returns through a fair exposure to equity investments.


Asset Mix

Particulars


Tara.

Benchmark :



Debt61.67%

Equity32.31%

MM & Others6.03%


AA+8 52%

AA‐3.33%



HDFC LTD. 6.11%

LARSEN & TOUBRO LTD. 4.08%







RELIANCE CAPITAL LTD. 2.19%


RAYMOND LTD. 2.02%



IRFC LTD. 1.61%


HDB FINANCIAL SERVICES LTD 1.01%


MM & Others 6.03%

Total 100.00%

`

15.32%

14.98%

7.48%

6.24%

5.94%

5.02%

4.15%

4.00%

2.98%

2.30%


Infrastructure

Housing Sector

Civil engineering




Water transport

Accommodation




15.10%

27.34%

14.35%

30.36%

12.84%

Debt Maturity Profile (% of Debt)

Debt61.67%

Equity32.31%

MM & Others6.03%


Gilt24.45%

AAA63.70%

AA+8.52%

AA‐3.33%


9.5

10

10.5

11

11.5

12

12.5

13

13.5

14

14.5

15

15.5

16

16.5

17

17.5

Feb‐09

Mar‐09

May‐09

Jun‐09

Jul‐09

Sep‐09

Oct‐09

Nov‐09

Jan‐10

Feb‐10

Mar‐10

May‐10

Jun‐10

Jul‐10

Sep‐10

Oct‐10

Nov‐10

Dec‐10

Feb‐11

Mar‐11

Apr‐11

Jun‐11

Jul‐11

Aug‐11

Oct‐11

Nov‐11

Dec‐11

Feb‐12

Mar‐12

Apr‐12

Jun‐12

Jul‐12

Aug‐12

Sep‐12

Nov‐12

Dec‐12

Jan‐13

Mar‐13

Apr‐13

May‐13

Jul‐13

Aug‐13

Sep‐13

Nov‐13

Dec‐13

Jan‐14

Mar‐14

Apr‐14

NAV/U

NIT (R

s)




Balanced Fund 0.89% 4.90% 5.20% 9.14% 9.82% 7.48% 11.08%

Benchmark 0.67% 4.94% 4.83% 6.29% 8.91% 7.00% 10.29%

15.32%

14.98%

7.48%

6.24%

5.94%

5.02%

4.15%

4.00%

2.98%

2.30%


Infrastructure

Housing Sector

Civil engineering




Water transport

Accommodation




15.10%

27.34%

14.35%

30.36%

12.84%

Debt Maturity Profile (% of Debt)

Debt61.67%

Equity32.31%

MM & Others6.03%


Gilt24.45%

AAA63.70%

AA+8.52%

AA‐3.33%


9.5

10

10.5

11

11.5

12

12.5

13

13.5

14

14.5

15

15.5

16

16.5

17

17.5

Feb‐09

Mar‐09

May‐09

Jun‐09

Jul‐09

Sep‐09

Oct‐09

Nov‐09

Jan‐10

Feb‐10

Mar‐10

May‐10

Jun‐10

Jul‐10

Sep‐10

Oct‐10

Nov‐10

Dec‐10

Feb‐11

Mar‐11

Apr‐11

Jun‐11

Jul‐11

Aug‐11

Oct‐11

Nov‐11

Dec‐11

Feb‐12

Mar‐12

Apr‐12

Jun‐12

Jul‐12

Aug‐12

Sep‐12

Nov‐12

Dec‐12

Jan‐13

Mar‐13

Apr‐13

May‐13

Jul‐13

Aug‐13

Sep‐13

Nov‐13

Dec‐13

Jan‐14

Mar‐14

Apr‐14

NAV/U

NIT (R

s)





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

Products : AUM :

Rs. 50.26 Cr

Portfolio % to AUM

`



HDFC Bank Ltd 3.95% 35% 65% 48.46%

Mahindra & Mahindra Ltd. 3.89%Larsen & Toubro Limited 3.66%HCL Technologies Ltd 2.83%



Tata Steel Limited 2.45%Bharti Airtel Limited 2.28%Tech Mahindra Limited 1.85%

Axis Bank Limited 1.81%Housing Development Finance Corporation Ltd. 2.24%

Tata Consultancy Services Limited 2.20%State Bank of India 2.10%Infosys Technologies Ltd. 1.94%IndusInd Bank Limited 1.76%ICICI Bank Ltd 1.61%Sun Pharmaceuticals Industries Ltd 1.45%Grasim Industries Ltd. 1.28%Hindustan Unilever Limited 1.13%Others (with < 1% exposure) 2.36%

INDIVIDUAL PENSION FUND APEX BALANCED - APRIL 2014

Equity


Debt, MM & Others

To optimize returns over medium to long term, by aiming balance between risk and return, through

investments in high quality equity and debt instruments.

Asset Mix


Actual

Benchmark :



Gilt36.16%

AA+2.32%


Debt42.21%

Equity51.54%

MM & Others6.25%


Debt 42.21%

Gilts & SDL 15.26%

GOI 10.80%


SDL GUJARAT 1.91%

SDL ‐ Other States (with < 1% exposure) 0.62%





IL & FS LTD. 2.04%


HDFC LTD. 1.97%


RELIANCE GAS TRANSPORTN INFRA LTD. 1.03%


MM & Others 6.25%

Total 100.00%

`

21.96%

13.75%

8.81%

7.51%

6.29%

5.13%

4.39%

4.30%

3.90%

2.52%


Infrastructure


Civil engineering





Housing Sector



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

9.19%

26.47%

3.80%

23.88%


Gilt36.16%

AAA61.52%

AA+2.32%


9.3

9.8

10.3

10.8

11.3

11.8

12.3

12.8

13.3

13.8

14.3

Jan‐10

Mar‐10

Apr‐10

May‐10

Jun‐10

Aug‐10

Sep‐10

Oct‐10

Dec‐10

Jan‐11

Feb‐11

Apr‐11

May‐11

Jun‐11

Aug‐11

Sep‐11

Oct‐11

Dec‐11

Jan‐12

Feb‐12

Mar‐12

May‐12

Jun‐12

Jul‐12

Sep‐12

Oct‐12

Nov‐12

Jan‐13

Feb‐13

Mar‐13

May‐13

Jun‐13

Jul‐13

Sep‐13

Oct‐13

Nov‐13

Dec‐13

Feb‐14

Mar‐14

Apr‐14

NAV/U

NIT (Rs)


NAV Benchmark

Debt42.21%

Equity51.54%

MM & Others6.25%



Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionIndividual Pension Fund ‐ Apex Balanced 1.17% 7.06% 6.71% 11.85% 12.73% 8.23% 7.32%Benchmark 0.45% 6.37% 5.29% 8.29% 10.17% 6.63% 6.69%

21.96%

13.75%

8.81%

7.51%

6.29%

5.13%

4.39%

4.30%

3.90%

2.52%


Infrastructure


Civil engineering





Housing Sector



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

9.19%

26.47%

3.80%

23.88%


Gilt36.16%

AAA61.52%

AA+2.32%


9.3

9.8

10.3

10.8

11.3

11.8

12.3

12.8

13.3

13.8

14.3

Jan‐10

Mar‐10

Apr‐10

May‐10

Jun‐10

Aug‐10

Sep‐10

Oct‐10

Dec‐10

Jan‐11

Feb‐11

Apr‐11

May‐11

Jun‐11

Aug‐11

Sep‐11

Oct‐11

Dec‐11

Jan‐12

Feb‐12

Mar‐12

May‐12

Jun‐12

Jul‐12

Sep‐12

Oct‐12

Nov‐12

Jan‐13

Feb‐13

Mar‐13

May‐13

Jun‐13

Jul‐13

Sep‐13

Oct‐13

Nov‐13

Dec‐13

Feb‐14

Mar‐14

Apr‐14

NAV/U

NIT (Rs)


NAV Benchmark

Debt42.21%

Equity51.54%

MM & Others6.25%





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

Products : AUM :

Rs. 40.55 Cr

Portfolio % to AUM

`


Infosys Technologies Ltd. 2.76% 0% 60% 31.13%



Colgate Palmolive (India) Ltd 2.32%ICICI Bank Ltd 2.21%









Debt 60.14%

Gilts & SDL 13.33%

GOI 7.27%SDL ‐ TAMIL NADU 3.61%SDL (with < 1% exposure) 2.45%


INDIAN OIL CORPORATION LTD 5 58%

INDIVIDUAL PENSION FUND BALANCED - APRIL 2014

Equity


Debt, MM & Others

To aim for stable returns over medium to long term through investments in high quality fixed income and

money market instruments and enhance returns through a fair exposure to equity investments.

Asset Mix


Actual

Benchmark :



Gilt22.17%

AA2.47%

AA+12.71%


Debt60.14%

Equity31.13%

MM & Others8.73%



THE GREAT EASTERN SHIPPING CO. LTD. 4.46%STEEL AUTHORITY OF INDIA LTD. 4.16%








NATIONAL BANK FOR AGRI & RURAL DEVE 1.50%

TATA STEEL LTD. 1.48%



MRF LTD. 1.23%

HDFC LTD. 1.20%

RELIANCE INDUSTRIES LTD 1.19%


MM & Others 8.73%

Total 100.00%

`

13.97%

12.31%

8.69%

7.18%

6.64%

6.40%

4.50%

4.46%

3.70%

3.63%

Infrastructure



Other financial activities


Civil engineering


Water transport

Accommodation

Housing Sector



10.45%

31.28%

10.23%

36.13%

11.91%


Gilt22.17%

AAA62.66%

AA2.47%

AA+12.71%


9.5

10

10.5

11

11.5

12

12.5

13

13.5

14

14.5

15

15.5

16

16.5

17

Mar‐09

May‐09

Jul‐09

Aug‐09

Oct‐09

Dec‐09

Jan‐10

Mar‐10

May‐10

Jun‐10

Aug‐10

Oct‐10

Nov‐10

Jan‐11

Mar‐11

Apr‐11

Jun‐11

Jul‐11

Sep‐11

Nov‐11

Dec‐11

Feb‐12

Apr‐12

May‐12

Jul‐12

Sep‐12

Oct‐12

Dec‐12

Jan‐13

Mar‐13

May‐13

Jun‐13

Aug‐13

Oct‐13

Nov‐13

Jan‐14

Mar‐14

Apr‐14

NAV/U

NIT (R

s)


NAV Benchmark

Debt60.14%

Equity31.13%

MM & Others8.73%



Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionIndividual Pension Fund ‐ Balanced 0.92% 4.99% 5.11% 8.98% 10.00% 7.42% 10.23%Benchmark 0.67% 4.94% 4.83% 6.29% 8.91% 7.00% 9.96%

13.97%

12.31%

8.69%

7.18%

6.64%

6.40%

4.50%

4.46%

3.70%

3.63%

Infrastructure





Civil engineering


Water transport

Accommodation

Housing Sector



10.45%

31.28%

10.23%

36.13%

11.91%


Gilt22.17%

AAA62.66%

AA2.47%

AA+12.71%


9.5

10

10.5

11

11.5

12

12.5

13

13.5

14

14.5

15

15.5

16

16.5

17

Mar‐09

May‐09

Jul‐09

Aug‐09

Oct‐09

Dec‐09

Jan‐10

Mar‐10

May‐10

Jun‐10

Aug‐10

Oct‐10

Nov‐10

Jan‐11

Mar‐11

Apr‐11

Jun‐11

Jul‐11

Sep‐11

Nov‐11

Dec‐11

Feb‐12

Apr‐12

May‐12

Jul‐12

Sep‐12

Oct‐12

Dec‐12

Jan‐13

Mar‐13

May‐13

Jun‐13

Aug‐13

Oct‐13

Nov‐13

Jan‐14

Mar‐14

Apr‐14

NAV/U

NIT (R

s)


NAV Benchmark

Debt60.14%

Equity31.13%

MM & Others8.73%




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. 52.25 Cr

Portfolio % to AUM

`







HDFC Bank Ltd 1.24%




ITC Ltd. 1.11%



Debt 61.32%

Gilts & SDL 21.50%

GOI 18.26%


Other SDL 0.98%



Equity

Debt, MM & Others

EXPRESS BALANCED FUND - APRIL 2014

To optimize returns over medium to long term, by aiming balance between risk and return, through investments in

high quality equity and debt instruments.

Asset Mix


Actual

l

AA+12.67%

AA‐0.79%


Debt61.32%

Equity29.89%

MM & Others8.78%



FULLERTON INDIA CREDIT COMPANY LTD. 3.93%


IL & FS LTD. 3.57%









MM & Others 8.78%

Total 100.00%

`

18.13%

17.68%

5.14%

4.79%

4.45%

3.84%

3.25%

2.57%

1.91%

1.78%

Infrastructure





Water transport

Housing Sector

Civil engineering

Accommodation

Manufacture of pharmaceuticals,medicinal chemical

and botanical products


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

18.76%

10.70%

49.29%

21.25%


Gilt35.06%

AAA51.48%

AA+12.67%

AA‐0.79%


9.5

10.0

10.5

11.0

11.5

12.0

12.5

13.0

Apr‐11

Jun‐11

Jul‐11

Aug‐11

Oct‐11

Nov‐11

Dec‐11

Feb‐12

Mar‐12

Apr‐12

Jun‐12

Jul‐12

Aug‐12

Sep‐12

Nov‐12

Dec‐12

Jan‐13

Mar‐13

Apr‐13

May‐13

Jul‐13

Aug‐13

Sep‐13

Nov‐13

Dec‐13

Jan‐14

Mar‐14

Apr‐14

NAV/U

NIT (Rs)


NAV Benchmark

Debt61.32%

Equity29.89%

MM & Others8.78%



Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionExpress Balanced Fund 0.77% 4.99% 5.14% 7.38% 10.01% ‐ 7.74%

Benchmark 0.67% 4.94% 4.83% 6.29% 8.91% ‐ 6.99%

18.13%

17.68%

5.14%

4.79%

4.45%

3.84%

3.25%

2.57%

1.91%

1.78%

Infrastructure





Water transport

Housing Sector

Civil engineering

Accommodation

Manufacture of pharmaceuticals,medicinal chemical

and botanical products


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

18.76%

10.70%

49.29%

21.25%


Gilt35.06%

AAA51.48%

AA+12.67%

AA‐0.79%


9.5

10.0

10.5

11.0

11.5

12.0

12.5

13.0

Apr‐11

Jun‐11

Jul‐11

Aug‐11

Oct‐11

Nov‐11

Dec‐11

Feb‐12

Mar‐12

Apr‐12

Jun‐12

Jul‐12

Aug‐12

Sep‐12

Nov‐12

Dec‐12

Jan‐13

Mar‐13

Apr‐13

May‐13

Jul‐13

Aug‐13

Sep‐13

Nov‐13

Dec‐13

Jan‐14

Mar‐14

Apr‐14

NAV/U

NIT (Rs)


NAV Benchmark

Debt61.32%

Equity29.89%

MM & Others8.78%





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. 17.00 Cr

Portfolio % to AUM

`


State Bank of India 2.81% 0% 60% 28.55%

Coal India Limited 1.72% 40% 100% 54.65%

ICICI Bank Ltd 1.65% 0% 30% 16.80%

Reliance Industries Ltd 1.63%Hero Motocorp Ltd. 1.55%ITC Ltd. 1.54%Larsen & Toubro Limited 1.47%







HDFC Bank Ltd 1.18%


Lupin Limited 1.16%

Housing Development Finance Corporation Ltd 1 16%

MM & Others

Equity

Debt

BALANCED PLUS FUND - APRIL 2014

To optimize returns over medium to long term, by aiming balance between risk and return, through investments

in high quality equity and debt instruments.

Asset Mix


Actual

Debt54.65%

Equity28.55%

MM & Others16.80%




Debt 54.65%

Gilts & SDL 53.44%

GOI 50.44%

MM & Others 16.80%

Total 100.00%

`

10.59%

5.08%

3.18%

2.95%

2.58%

2.11%

1.93%

1.63%

1.54%

1.47%



Infrastructure




Manufacture of pharmaceuticals,medicinal chemical …



Civil engineering


3‐5 years 5‐10 years > 10 years

5.51%

47.26%

26.05%


Gilt97.78%

AA+2.22%


9.90

9.95

10.00

10.05

10.10

10.15

10.20

10.25

10.30

10.35

10.40

10.45

10.50

10.55

10.60

10.65

10.70

Jan‐14 Feb‐14 Mar‐14 Apr‐14

NAV/U

NIT (Rs)


NAV Benchmark

Debt54.65%

Equity28.55%

MM & Others16.80%



Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionBalance Plus Fund 0.87% 5.81% ‐ ‐ ‐ ‐ 6.06%Benchmark 0.67% 4.94% ‐ ‐ ‐ ‐ 4.70%

10.59%

5.08%

3.18%

2.95%

2.58%

2.11%

1.93%

1.63%

1.54%

1.47%



Infrastructure




Manufacture of pharmaceuticals,medicinal chemical …



Civil engineering



5.51%

47.26%

26.05%


Gilt97.78%

AA+2.22%


9.90

9.95

10.00

10.05

10.10

10.15

10.20

10.25

10.30

10.35

10.40

10.45

10.50

10.55

10.60

10.65

10.70


NAV/U

NIT (Rs)


NAV Benchmark

Debt54.65%

Equity28.55%

MM & Others16.80%





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

Products : AUM :

Rs. 163.88 Cr

Portfolio % to AUM

`

Debt 89.41% Minimum Maximum

Gilts & SDL 30.47% 80% 100% 89.41%

GOI 25.77% 0% 20% 10.59%


SDL MAHARASHTRA 1.70%





NATIONAL THERMAL POWER CORPORATION 4.13%

IL & FS LTD. 4.12%







RURAL ELECTRIFICATION CORPORATION L 2 34%

DEBT

MM & Others

Particulars

APEX BOND FUND - APRIL 2014

To aim for stable returns over medium to long term by judicious mix of investments in Government securities

and high quality corporate debt of varying maturities and also in money market instruments.


Asset Mix




Benchmark :



Debt89.41%

MM & Others10.59%


GilAA+

AA‐0.52%




FULLERTON INDIA CREDIT COMPANY LTD. 1.88%




MRF LTD. 1.36%

HDFC LTD. 1.33%


CHENNAI PETROLEUM CORPORATION LTD. 1.21%

L & T FINANCE LTD. 1.13%



MM & Others 10.59%

Total 100.00%

`

18.92%

17.79%

6.29%

5.67%

4.72%

1.59%

1.51%

1.36%

1.22%

1.01%


Infrastructure

Housing Sector



Water transport


Manufacture of rubber and plastics products

Accommodation

Civil engineering



2.99%

9.47%

16.42%

46.88%

24.24%


Debt89.41%

MM & Others10.59%


Gilt34.08%

AAA48.29%

AA+17.11%

AA‐0.52%


9.8

10.3

10.8

11.3

11.8

12.3

12.8

13.3

13.8

Jan‐10

Mar‐10

Apr‐10

May‐10

Jun‐10

Aug‐10

Sep‐10

Oct‐10

Dec‐10

Jan‐11

Feb‐11

Apr‐11

May‐11

Jun‐11

Aug‐11

Sep‐11

Oct‐11

Dec‐11

Jan‐12

Feb‐12

Mar‐12

May‐12

Jun‐12

Jul‐12

Sep‐12

Oct‐12

Nov‐12

Jan‐13

Feb‐13

Mar‐13

May‐13

Jun‐13

Jul‐13

Sep‐13

Oct‐13

Nov‐13

Dec‐13

Feb‐14

Mar‐14

Apr‐14

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 1.04% 2.77% 3.93% 2.65% 7.61% 7.68% 6.93%

Benchmark 0.97% 2.77% 4.13% 3.78% 7.06% 7.46% 6.75%

18.92%

17.79%

6.29%

5.67%

4.72%

1.59%

1.51%

1.36%

1.22%

1.01%


Infrastructure

Housing Sector



Water transport



Accommodation

Civil engineering



2.99%

9.47%

16.42%

46.88%

24.24%


Debt89.41%

MM & Others10.59%


Gilt34.08%

AAA48.29%

AA+17.11%

AA‐0.52%


9.8

10.3

10.8

11.3

11.8

12.3

12.8

13.3

13.8

Jan‐10

Mar‐10

Apr‐10

May‐10

Jun‐10

Aug‐10

Sep‐10

Oct‐10

Dec‐10

Jan‐11

Feb‐11

Apr‐11

May‐11

Jun‐11

Aug‐11

Sep‐11

Oct‐11

Dec‐11

Jan‐12

Feb‐12

Mar‐12

May‐12

Jun‐12

Jul‐12

Sep‐12

Oct‐12

Nov‐12

Jan‐13

Feb‐13

Mar‐13

May‐13

Jun‐13

Jul‐13

Sep‐13

Oct‐13

Nov‐13

Dec‐13

Feb‐14

Mar‐14

Apr‐14

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. 19.31 Cr

Portfolio % to AUM

`


Gilts & SDL 36.92% 80% 100% 89.98%

GOI 31.01% 0% 20% 10.02%








HDFC LTD. 4.16%


IRFC LTD. 3.54%





Debt

MM & Others

BOND FUND - APRIL 2014




Asset Mix

Particulars


Tara.

Debt100.00%


Gilt

AA0.58%

AA+11.47%









MM & Others 10.02%

Total 100.00%

`

15.40%

11.34%

9.81%

7.23%

5.19%

4.64%

3.04%

1.60%

Infrastructure



Housing Sector

Water transport


Civil engineering




8.26%

15.87%

21.54%

40.55%

13.79%


Debt100.00%


Gilt41.04%

AAA46.92%

AA0.58%

AA+11.47%


9.5

10

10.5

11

11.5

12

12.5

13

13.5

14

14.5

Feb‐09

Apr‐09

May‐09

Jun‐09

Aug‐09

Sep‐09

Oct‐09

Dec‐09

Jan‐10

Feb‐10

Apr‐10

May‐10

Jun‐10

Jul‐10

Sep‐10

Oct‐10

Nov‐10

Jan‐11

Feb‐11

Mar‐11

May‐11

Jun‐11

Jul‐11

Sep‐11

Oct‐11

Nov‐11

Jan‐12

Feb‐12

Mar‐12

Apr‐12

Jun‐12

Jul‐12

Aug‐12

Oct‐ 12

Nov‐12

Dec‐12

Feb‐13

Mar‐13

Apr‐13

Jun‐13

Jul‐13

Aug‐13

Oct‐13

Nov‐13

Dec‐13

Jan‐14

Mar‐14

Apr‐14

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 0.91% 2.62% 4.02% 4.36% 7.83% 7.79% 6.77%Benchmark 0.97% 2.77% 4.13% 3.78% 7.06% 7.46% 6.43%

15.40%

11.34%

9.81%

7.23%

5.19%

4.64%

3.04%

1.60%

Infrastructure



Housing Sector

Water transport


Civil engineering




8.26%

15.87%

21.54%

40.55%

13.79%


Debt100.00%


Gilt41.04%

AAA46.92%

AA0.58%

AA+11.47%


9.5

10

10.5

11

11.5

12

12.5

13

13.5

14

14.5

Feb‐09

Apr‐09

May‐09

Jun‐09

Aug‐09

Sep‐09

Oct‐09

Dec‐09

Jan‐10

Feb‐10

Apr‐10

May‐10

Jun‐10

Jul‐10

Sep‐10

Oct‐10

Nov‐10

Jan‐11

Feb‐11

Mar‐11

May‐11

Jun‐11

Jul‐11

Sep‐11

Oct‐11

Nov‐11

Jan‐12

Feb‐12

Mar‐12

Apr‐12

Jun‐12

Jul‐12

Aug‐12

Oct‐ 12

Nov‐12

Dec‐12

Feb‐13

Mar‐13

Apr‐13

Jun‐13

Jul‐13

Aug‐13

Oct‐13

Nov‐13

Dec‐13

Jan‐14

Mar‐14

Apr‐14

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. 20.31 Cr

Portfolio % to AUM

`


Gilts & SDL 35.34% 80% 100% 88.82%

GOI 26.24% 0% 20% 11.18%

SDL GUJARAT 4.01%


SDL ANDHRA PRADESH 1.23%SDL (with < 1% exposure) 0.38%






RAYMOND LTD. 5.00%


HDFC LTD. 4.38%

INDIVIDUAL PENSION FUND APEX BOND - APRIL 2014

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


Actual

Benchmark :



Debt88.82%

MM & Others11.18%


AA‐Debt Rating Profile (% of Debt)TATA SONS LTD. 2.93%

MRF LTD. 2.49%

CHENNAI PETROLEUM CORPORATION LTD. 2.44%

NATIONAL THERMAL POWER CORPORATION 2.38%


RELIANCE INDUSTRIES LTD 1.43%Others (with < 1% exposure) 0.48%

MM & Others 11.18%

Total 100.00%

`


23.75%

5.74%

5.33%

5.00%

4.38%

3.87%

3.17%

2.49%

0.69%

Infrastructure

Civil engineering


Manufacture of textiles

Housing Sector







4.35%

20.59%

5.14%

41.16%

28.75%


Debt88.82%

MM & Others11.18%


Gilt39.78%

AAA46.32%

AA+8.27%

AA‐5.63%


9.8

10.3

10.8

11.3

11.8

12.3

12.8

13.3

13.8

Jan‐10

Mar‐…

Apr‐10

May‐…

Jun‐10

Aug‐10

Sep‐10

Oct‐10

Dec‐10

Jan‐11

Feb‐11

Apr‐11

May‐…

Jun‐11

Aug‐11

Sep‐11

Oct‐11

Dec‐11

Jan‐12

Feb‐12

Mar‐…

May‐…

Jun‐12

Jul‐12

Sep‐12

Oct‐12

Nov‐…

Jan‐13

Feb‐13

Mar‐…

May‐…

Jun‐13

Jul‐13

Sep‐13

Oct‐13

Nov‐…

Dec‐13

Feb‐14

Mar‐…

Apr‐14

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 0.97% 2.67% 3.99% 2.82% 7.17% 7.32% 6.63%Benchmark 0.97% 2.77% 4.13% 3.78% 7.06% 7.46% 6.75%

23.75%

5.74%

5.33%

5.00%

4.38%

3.87%

3.17%

2.49%

0.69%

Infrastructure

Civil engineering


Manufacture of textiles

Housing Sector







4.35%

20.59%

5.14%

41.16%

28.75%


Debt88.82%

MM & Others11.18%


Gilt39.78%

AAA46.32%

AA+8.27%

AA‐5.63%


9.8

10.3

10.8

11.3

11.8

12.3

12.8

13.3

13.8

Jan‐10

Mar‐…

Apr‐10

May‐…

Jun‐10

Aug‐10

Sep‐10

Oct‐10

Dec‐10

Jan‐11

Feb‐11

Apr‐11

May‐…

Jun‐11

Aug‐11

Sep‐11

Oct‐11

Dec‐11

Jan‐12

Feb‐12

Mar‐…

May‐…

Jun‐12

Jul‐12

Sep‐12

Oct‐12

Nov‐…

Jan‐13

Feb‐13

Mar‐…

May‐…

Jun‐13

Jul‐13

Sep‐13

Oct‐13

Nov‐…

Dec‐13

Feb‐14

Mar‐…

Apr‐14

NAV/U

NIT (R

s)


NAV Benchmark




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

Products : AUM :

Rs. 10.57 Cr

Portfolio % to AUM

`


Gilts & SDL 27.06% 80% 100% 89.43%

GOI 13.28% 0% 20% 10.57%


SDL ANDHRA PRADESH 2.62%

SDL GUJARAT 1.81%

SDL ‐ KERALA 1.78%








THE INDIAN HOTELS COMPANY LTD 4 73%

INDIVIDUAL PENSION FUND BOND - APRIL 2014

Debt


MM & Others



Asset Mix


Actual

Benchmark :



Debt89.43%

MM & Others10.57%


AA+Debt Rating Profile (% of Debt)



MRF LTD. 3.83%



HDFC LTD. 2.76%





MM & Others 10.57%

Total 100.00%

`

10.38%

10.29%

8.38%

6.83%

6.65%

6.53%

4.73%

4.08%

3.83%

0.95%

Infrastructure

Housing Sector




Civil engineering

Accommodation



Water transport



11.20%

28.33%

16.93%

32.51%

11.04%


Debt89.43%

MM & Others10.57%


Gilt30.25%

AAA54.89%

AA2.12%

AA+12.74%


9.7

10.2

10.7

11.2

11.7

12.2

12.7

13.2

13.7

14.2

Mar‐09

May‐09

Jul‐09

Aug‐09

Oct‐09

Dec‐09

Jan‐10

Mar‐10

May‐10

Jun‐10

Aug‐10

Oct‐10

Nov‐10

Jan‐11

Mar‐11

Apr‐11

Jun‐11

Jul‐11

Sep‐11

Nov‐11

Dec‐11

Feb‐12

Apr‐12

May‐12

Jul‐12

Sep‐12

Oct‐12

Dec‐12

Jan‐13

Mar‐13

May‐13

Jun‐13

Aug‐13

Oct‐13

Nov‐13

Jan‐14

Mar‐14

Apr‐14

NAV/U

NIT (R

s)



Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionIndividual Pension Fund ‐ Bond 0.92% 2.60% 4.04% 4.81% 7.81% 7.83% 6.76%Benchmark 0.97% 2.77% 4.13% 3.78% 7.06% 7.46% 6.52%

10.38%

10.29%

8.38%

6.83%

6.65%

6.53%

4.73%

4.08%

3.83%

0.95%

Infrastructure

Housing Sector




Civil engineering

Accommodation



Water transport



11.20%

28.33%

16.93%

32.51%

11.04%


Debt89.43%

MM & Others10.57%


Gilt30.25%

AAA54.89%

AA2.12%

AA+12.74%


9.7

10.2

10.7

11.2

11.7

12.2

12.7

13.2

13.7

14.2

Mar‐09

May‐09

Jul‐09

Aug‐09

Oct‐09

Dec‐09

Jan‐10

Mar‐10

May‐10

Jun‐10

Aug‐10

Oct‐10

Nov‐10

Jan‐11

Mar‐11

Apr‐11

Jun‐11

Jul‐11

Sep‐11

Nov‐11

Dec‐11

Feb‐12

Apr‐12

May‐12

Jul‐12

Sep‐12

Oct‐12

Dec‐12

Jan‐13

Mar‐13

May‐13

Jun‐13

Aug‐13

Oct‐13

Nov‐13

Jan‐14

Mar‐14

Apr‐14

NAV/U

NIT (R

s)





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

Products : AUM :

Rs. 14.20 Cr

Portfolio % to AUM

`


Gilts & SDL 74.48% 70% 100% 81.52%

GOI 69.44% 0% 30% 18.48%




MM & Others 18.48%


INDIVIDUAL LIFE INCOME FUND - APRIL 2014



Benchmark :


MM & Others

For Dhan Suraksha Plus & Wealth Builder Plan

Asset Mix


Actual

Debt

MM & Others18.48%


Total 100.00%

Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionIndividual Life Income Fund 1.05% 2.41% ‐ ‐ ‐ ‐ 2.85%Benchmark 0.95% 2.74% ‐ ‐ ‐ ‐ 2.65%

Debt81.52%

MM & Others18.48%


Gilt93.87%

AAA6.13%



9.20%

73.23%

17.56%


9.7

9.8

9.9

10.0

10.1

10.2

10.3

10.4


NAV/U

NIT (Rs)





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. 214.78 Cr

Portfolio % to AUM

`

Debt & MM 100.00% Minimum Maximum

Gilts & SDL 63.42% 60% 100% 63.42%

MM & Others 36.58% 0% 40% 36.58%

Government Securties

MM & Others

DISCONTINUED POLICIES FUND - APRIL 2014

To ensure safety and liquidity of funds and to generate the returns over and above defined regulatory

minimum rate of return of 4% per annum.

Asset Mix

Benchmark :

CRISIL Short Term Gilt Index 65% & CRISIL Liquid

Index 35% *


Actual

MM & Others36.58%


10.4

10.7

11.0

11.3

11.6

11.9

12.2

12.5

NAV/U

NIT (R

s)

NAV Performance (Since Nov 01, 2011)

NAV Benchmark


Discontinued Policies Fund 0.66% 2.14% 3.86% 6.24% 7.45% ‐ 7.64%

Benchmark 0.69% 2.24% 4.26% 7.81% 7.99% ‐ 8.21%

Note: * Crisil Liquid Index 100% upto May 2013

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

Government Securties63.42%

MM & Others36.58%


9.8

10.1

10.4

10.7

11.0

11.3

11.6

11.9

12.2

12.5

Nov‐11

Dec‐11

Jan‐12

Feb‐12

Mar‐12

Apr‐12

May‐12

Jun‐12

Jul‐12

Aug‐12

Sep‐12

Oct‐12

Nov‐12

Dec‐12

Jan‐13

Feb‐13

Mar‐13

Apr‐13

May‐13

Jun‐13

Jul‐13

Aug‐13

Sep‐13

Oct‐13

Nov‐13

Dec‐13

Jan‐14

Feb‐14

Mar‐14

Apr‐14

NAV/U

NIT (R

s)

NAV Performance (Since Nov 01, 2011)

NAV Benchmark

Risk Factors

• This document has been prepared for the purpose of providing general information

only.

• Unit Linked Life Insurance products are different from the traditional insurance

products and are subject to various risk factors.

• Customers should take into account their personal investment objectives, risk

appetite and other aspects of their financial situation before making an investment

decision.

• Unit linked policies are subject to market risks associated with capital markets and

NAVs of units may go up or down based on the performance of fund and factors

influencing the capital market and the customers have to consider this aspect while

taking any decision.

• SUD Life shall not be responsible for any losses caused or any claims that arise due to

investments made based on this document.

• Customers are advised to note that the details are based on past performance and

are not indicative of its future prospects or returns.

• All efforts have been made to ensure accuracy of the contents of this document,

however, SUD Life shall not be held responsible for any errors or omissions.

Disclaimers related to Benchmark Indices

CRISIL Composite Bond Index and CRISIL Liquid Fund Index

CRISIL has taken due care and caution in compilation of data. Information has been obtained by CRISIL

from sources it considers reliable. However, CRISIL does not guarantee the accuracy, adequacy or

completeness of the information and is not responsible for any errors or omissions or for the results

obtained from the use of such information. CRISIL is not responsible for any errors in data

reproduction. CRISIL especially states that it has no financial liability whatsoever to the subscribers/

users/ transmitters/ distributors of this bulletin.

CNX NIFTY

“The Individual Life, Pension Life, Individual Apex Life and Pension Apex Life funds related to Equity, Balanced and Growth schemes; and also Individual Life Express Balanced Fund, offered by SUD Life Insurance Co. Ltd are not sponsored, endorsed, sold or promoted by India Index Services & Products Limited ("IISL").

Neither IISL nor CNX Nifty and its affiliates makes any representation or warranty, express or implied (including warranties of merchantability or fitness for particular purpose or use) to the owners of aforesaid schemes or any member of the public regarding the advisability of investing in securities generally or in aforesaid schemes linked to CNX Nifty Index or particularly in the ability of the said Index to track general stock market performance in India”.

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