Dear All, 

Flexi Protect Fund

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Fund performance in brief : 

• SBI  Life’s Flexi Protect Fund (Series I and II) has shown a growth of 92% and 

Flexi Protect Fund 

Equity Fund 

Daily Protect Fund 

31% respectively (Highest NAV) since inception.

• SBI  Life’s Daily Protect Fund has shown a growth of 7.3% (Highest NAV) since 

Balanced Fund

Bond Fund 

Growth Fund y g ( g )

inception.

• SBI Life’s Equity Fund : The CAGR over a period of 3 year shows a growth of 

Growth Fund 

Equity Pension Fund

Bond Pension Fund 

23.1% compared to Nifty which is 21.0%.  

• SBI Life’s Bond Fund  is doing pretty well and is trailing Bajaj Debt Plus by a Index Fund 

Balanced Pension Fund

Innovation and Market Research

g p y g j j y

few points. Top 300 Fund 

P/E Managed Fund 

Absoulte Returns

SBI Life Smart ULIP FlexiProtect

Birla Platinum + Fund I

Birla Platinum + Fund II

Birla Platinum + Fund III

Birla Platinum +

Fund IV

Bajaj Max Gain

SBI Life Smart ULIP FlexiProtect

Series II

TATA Apex Plus

Return Lock-In Fund

TATA Apex Plus

Return Lock-In Fund II

LIC-Wealth Plus Fund

Reliance Highest NAV Guarantee

Fund

ICICI Pru

Pinnacle

Launch Date 9-Mar-09 7-Mar-08 8-Sep-08 15-May-09 15-Sep-09 15-Dec-09 8-Jan-10 1-Feb-10 1-Jul-10 9-Feb-10 15-Feb-10 26-Oct-09

Return on Highest Guaranteed NAV 92% 29% 82% 41% 27% 15% 31% 18% 6% 11% 18% 24%

Highest Guaranteed NAV 19.23 12.86 18.20 14.14 12.67 11.52 13.13 11.83 10.55 11.05 11.79 12.41

Highest NAV Guaranteed Date Nov-10 Nov-10 Nov-10 Nov-10 Nov-10 Nov-10 Nov-10 Nov-10 Nov-10 Nov-10 Nov-10 Nov-10

1 Month 4.9% 6.7% 6.6% 6.8% 6.9% 8.0% 5.5% -4.7% -8.8% 8.2% 1.4% 5.9%

3 Months -1.18% -3.58% -4.15% -4.52% -5.42% -3.13% -3.09% -2.30% -3.13% -2.50% 0.02% -1.67%

6 Months -2.3% -8.3% -8.3% -8.2% -8.8% -4.1% -5.9% -4.2% -4.9% -6.2% -0.3% -4.5%

9 Months -3.3% -11.8% -11.3% -11.0% -11.7% -5.0% -7.6% -6.8% -7.7% -9.6% -2.5% -7.3%

CAGR RETURN

1 Year -3% -8% -8% -8% -8% -2% -5% -4% -5% -8% 0% -5%

2 Year 5% 2% 3% 2% 3% 2% 3% NA NA -3% NA 3%

Unit Linked NAV Guaranteed ProductsFlexi Protect Fund Performances upto 30 January 2012

NOTE : Returns calculated in absolute term for a period of less than equal to 1 year and CAGR (Compound Annual Growth Rate) for a period of more than 1 year

92%

29%

82%

41%

27%

15% 31

%

18%

6% 11% 18

% 24%

0%10%20%30%40%50%60%70%80%90%

100%

9‐Mar‐09 7‐Mar‐08 8‐Sep‐08 15‐May‐09 15‐Sep‐09 15‐Dec‐09 8‐Jan‐10 1‐Feb‐10 1‐Jul‐10 9‐Feb‐10 15‐Feb‐10 26‐Oct‐09

SBI Life Smart ULIP FlexiProtect 

Birla Platinum + Fund I 

Birla Platinum + Fund II

Birla Platinum + Fund III

Birla Platinum + Fund IV

Bajaj Max Gain  SBI Life Smart ULIP FlexiProtect Series 

II 

TATA Apex Plus 

Return Lock‐In Fund 

TATA Apex Plus 

Return Lock‐In Fund II

LIC‐Wealth Plus Fund

Reliance Highest NAV Guarantee 

Fund

ICICI Pru Pinnacle 

Smart ULIP Series I & Series II - Highest NAV since Inception

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Absolute Returns

SBI Life -Smart Performer

Daily Protect

ICICI Pru Pinnacle II

Reliance- Highest NAV

Advantage Fund-Series-I

Birla Platinum

Advantage Plan

HDFCSL Crest

LIC Samridhi

Plus

Bajaj Max

Advantage

Bharti Axa True Wealth

SBI Life - Smart Performer Daily Protect II

Launch Date Aug-10 Oct-10 Sep-10 Sep-10 Sep-10 Feb-11 Sep-10 Oct-10 Mar-11

Return on Highest Guaranteed NAV 7.3% 2.7% 5.8% 2.3% 3.5% 1.9% 5.9% 0.4% 6.7%

Highest Guaranteed NAV

10.73 10.27 10.58 10.23 10.35 10.19 10.59 10.04 10.67

Highest NAV Guaranteed Date

Nov-10 Nov-10 Nov-10 Nov-10 Jan-11 Apr-11 Apr-11 Sep-10 Apr-11

1 Months 5.2% 6.3% 2.1% 9.1% 3.8% 9.0% 7.2% 1.4% 6.3%

3 Months -3.2% -2.3% -2.4% -3.5% -0.7% -0.1% -2.6% -0.1% -3.8%

6 Months -5.5% -4.8% -5.4% -6.6% -1.9% -1.0% -4.9% -0.7% -6.7%

9 Months -8.0% -8.4% -10.2% -9.4% -3.6% 1.0% -6.7% -1.1% -9.9%

I Year -4.9% -5.7% -6.5% -5.1% -1.8% NA -5.6% -0.5% NA

NOTE : Returns calculated in absolute term for a period of less than equal to 1 year and CAGR (Compound Annual Growth Rate) for a period of more than 1 year

Unit Linked NAV Guaranteed ProductsDaily Protect Fund Performances upto 30 January 2012

7.3%

2.7%

5.8%

2.3%3.5%

1.9%

5.9%

0.4%

6.7%

0.0%1.0%2.0%3.0%4.0%5.0%6.0%7.0%8.0%

Aug‐10 Oct‐10 Sep‐10 Sep‐10 Sep‐10 Feb‐11 Sep‐10 Oct‐10 Mar‐11

SBI Life ‐Smart Performer Daily Protect 

ICICI Pru Pinnacle II 

Reliance‐Highest NAV 

Advantage Fund‐Series‐I

Birla Platinum 

Advantage Plan 

HDFCSL Crest

LIC Samridhi  Plus

Bajaj Max Advantage

Bharti Axa True Wealth 

SBI Life ‐Smart Performer Daily Protect II 

Daily Protect Fund ‐Highest NAV since Inception 

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SBI Life ICICI-Pru Bajaj Allianz HDFC Max New York LIC NIFTY

CAGR RETURN

Unit Plus II Equity

Life Time Super Flexi Growth

Unit Gain Plus Equity Plus

(Endowment UL) Equity Managed

Fund

Life Maker Growth

Money Plus I NIFTY

1 months 8.8% 8.0% 9.4% 9.4% 5.5% 30.6% 10.0%

3 months -5.4% -5.7% 6.5% -2.6% -1.8% -1.6% -5.1%

6 months -7.8% -8.8% -5.9% -6.4% -3.7% -4.0% -7.2%

9 months -9.7% -11.4% -5.1% -8.2% -4.5% -6.0% -11.5%

CAGR RETURN

1 Year -5.7% -8.8% -1.8% -5.6% -0.9% -3.5% -7.6%

2 Years 3.7% 0.6% 5.1% 3.4% 4.0% 1.9% 2.1%

EQUITY FUND PERFORMANCE as on 30 January 2012Click here to go back

3 Years 23.1% 20.5% 24.0% 24.6% 15.7% 13.8% 21.0%*CAGR - Compound Annual Growth Rate

NOTE : Returns calculated in absolute term for a period of less than equal to 1 year and CAGR (Compound Annual Growth Rate) for a period of more than 1 year

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-5.7

%

3.7%

23.1

%

-8.8

%

0.6%

20.5

%

-1.8

%

5.1% 24

.0%

-5.6

%

3.4%

24.6

%

-0.9

%

4.0% 15

.7%

-3.5

%

1.9% 13

.8%

-7.6

%

2.1% 21

.0%

-20%-10%

0%10%20%30%

1 Year 2 Years 3 Years

Unit Plus II Equity Life Time Super Flexi Growth Unit Gain Plus Equity Plus (Endowment UL) Equity Managed FundLife Maker Growth Money Plus INIFTY

SBI Life ICICI-Pru Bajaj Allianz HDFC LIC Max New York

Absoulte Returns

Unit Plus II BondProtector (Income)

Plan-Life Time SuperUnit Gain Plus

Debt Plus

(Endowment UL) Secure Managed

FundMoney Plus I

Life Maker-Secure Fund

1 months 1.0% 1.0% 1.1% 1.5% -4.0% 1.3%

3 months 3.1% 3.1% 2.7% 3.7% 3.1% 4.2%

6 months 4.5% 4.3% 4.5% 6.9% 4.6% 5.2%

9 months 6.7% 6.4% 6.5% 7.6% 5.6% 6.8%

CAGR RETURN

1 Year 8.8% 8.3% 8.7% 9.3% 6.3% 8.7%

2 Y 7 3% 6 3% 7 9% 7 7% 5 4% 6 9%

BOND FUND PERFORMANCE as on 30 January 2012 Click here to go back

2 Years 7.3% 6.3% 7.9% 7.7% 5.4% 6.9%

3 Years 7.8% 6.7% 8.1% 7.2% 6.0% 6.9%

*CAGR - Compound Annual Growth Rate

NOTE : Returns calculated in absolute term for a period of less than equal to 1 year and CAGR (Compound Annual Growth Rate) for a period of more than 1 year

8.8%

7.3% 7.8%8.3%

6.3% 6.7%8.

7%

7.9%

8.1%9.3%

7.7%

7.2%

6.3%

5.4% 6.0%

8.7%

6.9%

6.9%

0.0%

2.0%

4.0%

6.0%

8.0%

10.0%

1 Year 2 Years 3 Years 

Unit Plus II Bond Protector (Income) Plan‐Life Time Super Unit Gain Plus Debt Plus(Endowment UL) Secure Managed Fund Money Plus I Life Maker‐Secure Fund

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SBI Life ICICI-Pru HDFC LIC Max New York

Absoulte Returns

Unit Plus II Balanced

Life time Super-Balancer

(Endowment UL) Balanced Managed

FundMoney Plus I

Life Maker-Balance Fund

1 months 4.5% 4.9% 5.7% 10.2% 3.0%

3 months -0.3% -0.1% 0.3% -1.0% 0.6%

6 months -1.4% -0.5% -1.2% -5.9% 0.6%

9 months -2.0% -0.6% -1.3% -6.9% 1.1%

CAGR RETURN

1 Year 0.7% 2.5% 1.1% -4.8% 4.1%

2 Years 4 1% 4 5% 4 7% 0 3% 6 2%

BALANCED FUND PERFORMANCE as on 30 January 2012Click here to go back

2 Years 4.1% 4.5% 4.7% 0.3% 6.2%

3 Years 14.2% 12.7% 18.4% 10.8% 11.8%*CAGR - Compound Annual Growth Rate p q pRate) for a period of more than 1 year

0.7%

4.1% 14

.2%

2.5%

4.5% 12

.7%

1.1% 4.7%

18.4%

‐4.8%

0.3% 10

.8%

4.1% 6.2% 11.8%

‐18.0%‐8.0%2.0%12.0%22.0%

1 Year 2 Years 3 Years 

Unit Plus II Balanced Life time Super‐Balancer (Endowment UL) Balanced Managed Fund Money Plus ILife Maker‐Balance Fund

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Absoulte Returns

SBI Life - Growth Fund

IDBI Fortis- Equity Growth

Future Generali -

Future Apex

AVIVA - Growth Fund

IIBirla Sun Life -

MagnifierCanara HSBC -

Growth SUD - Growth

Since Inception

101% 24% -3% 0% 147% 18% 55%

1 months 6.3% 11.5% 9.4% 8.1% 9.9% 8.2% 6.6%

3 Months -2.7% -5.4% -2.0% -3.3% -4.3% -4.3% -1.9%

6 Months -3.8% -10.1% -4.0% -7.2% -9.9% -7.1% -4.0%

9 Months -6.4% -11.8% -7.4% -9.2% -13.2% -9.4% -5.5%

1 Y 3 2% 8 1% 3 5% 6 1% 10 6% 7 4% 3 3%

CAGR RETURN

GROWTH FUND PERFORMANCE as on 30 January 2012Click here to go back

1 Year -3.2% -8.1% -3.5% -6.1% -10.6% -7.4% -3.3%

2 Years 2.3% 1.0% 0.9% 1.2% -0.3% 0.6% 2.8%

3 Years 18.0% 23.2% -0.8% NA 18.8% 20.9% NA*CAGR - Compound Annual Growth Rate

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‐3.2%

2.3%

‐8.1%

1.0%

‐3.5%

0.9%

‐0.8%

‐6.1%

1.2%

0.0%

‐10.6% ‐0

.3%

‐7.4%

0.6%

‐3.3%

2.8%

0.0%

‐26.0%‐16.0%‐6.0%4.0%14.0%

Fund Performance as on 30 January 2012

SBI Life ‐ Growth Fund  IDBI Fortis‐ Equity Growth  Future Generali ‐ Future Apex AVIVA ‐ Growth Fund II Birla Sun Life ‐Magnifier Canara HSBC ‐ GrowthSUD ‐ Growth

SBI Life ICICI-Pru Bajaj Allianz HDFC Max New York LIC

Unit Plus II-Equity Pension

Fund

Life Time Super Pension

Maximiser

Unit Gain Life Pension- Equity

Plus Pension Fund

Equity Managed

Pension Fund

Life Maker Pension Equity Pension Fund

Market Plus I - Growth BSE 100

1 months 9.6% 11.5% 9.3% 9.4% 5.7% -0.5% 10.8%

3 months -4.1% -4.7% 6.7% -2.6% -1.8% -2.2% -4.9%

6 months -6.0% -8.0% -4.8% -6.2% -3.5% -5.7% -7.9%

9 months -9.3% -10.5% -1.3% -8.0% -4.2% -8.8% -12.1%

CAGR RETURN

1 Year -6.3% -5.1% 1.9% -5.4% -1.2% -6.5% -8.2%

2 Years 1.8% 2.6% 11.2% 3.6% 4.4% 0.4% 0.4%

3 Years 20 8% 23 8% 30 5% 25 1% 15 0% 11 5% 22 4%

EQUITY PENSION FUND PERFORMANCE as on 30 January 2012 Click here to go back

3 Years 20.8% 23.8% 30.5% 25.1% 15.0% 11.5% 22.4%*CAGR - Compound Annual Growth Rate

NOTE : Returns calculated in absolute term for a period of less than equal to 1 year and CAGR (Compound Annual Growth Rate) for a period of more than 1 year

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-6.3

%

1.8%

20.8

%

-5.1

%

2.6%

23.8

%

1.9%

11.2

%

30.5

%

-5.4

% 3.6%

25.1

%

-1.2

%

4.4%

15.0

%

-6.5

%

0.4%

11.5

%

-8.2

%

0.4%

22.4

%

-15.0%-10.0%-5.0%0.0%5.0%

10.0%15.0%20.0%25.0%30.0%35.0%

1 Year 2 Years 3 Years

Unit Plus II-Equity Pension Fund Life Time Super Pension MaximiserUnit Gain Life Pension- Equity Plus Pension Fund Equity Managed Pension FundLife Maker Pension Equity Pension Fund Market Plus I - Growth

SBI Life ICICI-Pru Bajaj Allianz HDFC- LIC Max New York

Absoulte Returns

Unit Plus II Bond Pension

Life Time Super Pension Protector

II

Unit Gain Life Pension-Debt Plus Pension

Fund

Secure Managed

Pension FundMarket Plus I -

Bond Life Maker Pension

Secure Pension

1 months 1.0% 1.4% 1.5% 1.5% -15.6% 1.3%

3 months 3.2% 3.6% 3.0% 3.7% 3.4% 4.1%

6 months 4.7% 4.9% 5.2% 5.2% 4.8% 5.2%

9 months 6.8% 7.0% 7.0% 7.6% 5.9% 6.9%

CAGR RETURN

1 Year 8.9% 9.2% 9.5% 9.3% 7.6% 8.9%

2 Years 7.5% 7.3% 8.5% 7.6% 6.3% 7.0%

BOND PENSION FUND PERFORMANCE as on 30 January 2012 Click here to go back

3 Years 8.3% 7.5% 8.7% 7.2% 6.2% 6.3%*CAGR - Compound Annual Growth Rate

NOTE : Returns calculated in absolute term for a period of less than equal to 1 year and CAGR (Compound Annual Growth Rate) for a period of more than 1 year

8.9%

7.5% 8.3%9.2%

7.3% 7.5%9.

5%

8.5%

8.7%9.3%

7.6%

7.2%7.6%

6.3%

6.2%

8.9%

7.0%

6.3%

0%2%4%6%8%10%

1 Year 2 Years 3 Years Unit Plus II Bond Pension Life Time Super  Pension Protector IIUnit Gain Life Pension‐Debt Plus Pension Fund Secure Managed Pension FundMarket Plus I ‐Bond  Life Maker Pension Secure Pension

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SBI Life ICICI-Pru HDFC LIC Max New York

Unit Plus II-Balanced Pension

Fund

Life Time Super Pension Balancer

Fund II

Balanced Managed

Pension FundMarket Plus I -

Balanced

Life Maker Pension Balance Pension

Fund

1 months 4.5% 4.9% 5.7% -14.5% 2.4%

3 months -0.4% 0.3% 0.3% 0.0% 0.7%

6 months -1.3% 0.0% -1.2% -3.0% 0.6%

9 months -1.8% -0.3% -1.3% -6.8% 1.1%

CAGR RETURN

1 Year 1.0% 2.6% 1.2% -5.1% 3.6%

2 Years 3.9% 3.9% 4.6% -0.9% 6.2%

BALANCED PENSION FUND PERFORMANCE as on 30 January 2012

Absoulte Returns

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3 Years 16.1% 11.0% 18.4% 7.1% 9.1%*CAGR - Compound Annual Growth Rate

NOTE : Returns calculated in absolute term for a period of less than equal to 1 year and CAGR (Compound Annual Growth Rate) for a period of more than 1 year

1.0% 3.9%

16.1%

2.6% 3.9% 11

.0%

1.2%

4.6%

18.4%

‐5.1%

‐0.9%

7.1%

3.6% 6.2% 9.1%

‐10.0%‐5.0%0.0%5.0%10.0%15.0%20.0%

1 Year 2 Years 3 Years Unit Plus II‐Balanced Pension Fund Life Time Super Pension Balancer Fund IIBalanced Managed Pension Fund Market Plus I ‐Balanced Life Maker Pension Balance Pension Fund

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Absoulte SBI Life Aviva Bajaj Allianz IDBI Returns SBI Life -

Index Fund Aviva

Index Fund II

J JEquity Index Fund

IINifty Index Fund -

IDBI Fortis

3 months -5.6% -5.2% -5.0% -5.3% -5.1%

6 months -7.4% -7.6% -7.2% -7.3% -7.2%

9 months -10.8% -11.5% -11.4% -11.6% -11.5%

1 Year -7.3% -7.9% -7.8% -8.2% -7.6%

*CAGR - Compound Annual Growth Rate

NOTE : Returns calculated in absolute term for a period of less than equal to 1 year and CAGR (Compound Annual Growth Rate) for a period of more than 1 year

INDEX FUND PERFORMANCE as on 30 January 2012

Nifty

‐5.6%

‐7.4%

‐7.3%

‐5.2%

‐7.6%

‐7.9%

‐5.0%

‐7.2%

‐7.8%

‐5.3%

‐7.3%

‐8.2%

‐5.1%

‐7.2%

‐7.6%

‐25.0%‐20.0%‐15.0%‐10.0%‐5.0%0.0%5.0%

SBI Life ‐Index Fund 

Aviva Index Fund II

BAJAJ Equity Index Fund II

Nifty Index Fund ‐ IDBI Fortis Nifty 

3 months 6 months 9 months 1 Year 

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Absolute SBI Life TATA TATAReturns SBI Life - TOP 300 Fund TATA - Top 50 Fund TATA - Top 200 Fund NIFTY

1 month 6.3% 9.1% 9.6% 10.0%

3 months -2.5% -5.0% -4.9% -5.1%

6 months -4.3% -6.7% -9.1% -7.2%

9 months -5.5% -10.1% -11.5% -11.5%

1 Year -2.6% -6.6% -8.4% -7.6%

TOP 300 FUND PERFORMANCE as on 30 January 2012

NOTE : Returns calculated in absolute term for a period of less than equal to 1 year and CAGR (Compound Annual Growth Rate) for a period of more than 1 year

SBI Life ‐ TOP 300 Fund  TATA ‐ Top 50 Fund TATA ‐ Top 200 Fund NIFTY 

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‐2.5%

‐4.3%

‐5.5%

‐2.6%

‐5.0%

‐6.7%

‐10.1%

‐6.6%

‐4.9%

‐9.1%

‐11.5%

‐8.4%

‐5.1%

‐7.2%

‐11.5%

‐7.6%

‐20.0%‐15.0%‐10.0%‐5.0%0.0%5.0%10.0%

3 months  6 months  9 months  1 Year 

SBI Life ‐ TOP 300 Fund  TATA ‐ Top 50 Fund TATA ‐ Top 200 Fund NIFTY 

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SBI LIFE P/E MANAGED FUND

Absoulte SBI Life ICICI

Returns

SBI Life- P/E Managed Fund

ICICI - Dynamic P/E Fund

1 month 9.2% 8.9% <12 90% to 100% 0% to 10%

3 months -4.6% -4.5% 15 ≥ and <18 60% to 90% 10% to 40%

6 months -6.9% -6.5%

9 months -10.3% -9.7%

1 Year -6.4% -5.7%

P/E Managed Fund Performance as on 30 January 2012

P/E range

Dynamic P/E Fund : To Provide long term capital appreciation through dynamic asset allocation between equity and debt The allocation

NOTE : Returns calculated in absolute term for a period of less than equal to 1 year and CAGR (Compound Annual Growth Rate) for a period of more than 1 year

Allocation in Equity and

Equity Related

S it

Allocation in Debt and

Money Market

I t t

80% to 100%

Allocation in Equity and

Eq it

14 ‐ 16

90% to 100%<14

P/E range

%

-6.9

%

-10.

3%

5%

-6.5

%

-9.7

%

-6.0%-4.0%-2.0%0.0%

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> 20 0% to 40%

and debt. The allocation in equity and equity related securities is determined by reference to the P/E multiple on the NIFTY 50; the remainder is to be invested in debt instruments, money market and cash

40% to 80%18-20

60% to 100%16-18

Please Note : The Fund Composition for SBI life and ICICI P/E Fund are slightly different, so a comparision cannot be made 

-4.6

%

-6.9

%

-10.

3%

-4.5

%

-6.5

%

-9.7

%

-20.0%-18.0%-16.0%-14.0%-12.0%-10.0%-8.0%-6.0%-4.0%-2.0%0.0%

3 months 6 months 9 months

SBI Life- P/EManaged Fund

ICICI - Dynamic P/E Fund

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