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Aviva Investor
9.23% GOI 2043 12.39
8.15% GOI 2026 10.32
7.88% GOI 2030 8.71
8.24% GOI 2033 8.60
7.59% GOI 2026 8.08
7.59% GOI 2029 3.97
8.97% GOI 2030 2.53
8.32% GOI 2032 2.07 8.28% GOI 2027 1.73
7.73% GOI 2034 1.32
8.83% GOI 2023 0.79
8.33% GOI 2036 0.69
GOVERNMENT SECURITIES62.55 8.30% GOI 2040 0.42
CORPORATE BONDS 24.84 8.85% Tamil Nadu State Development Ltd. 2022 0.35
MONEY MARKET 12.61 8.24% GOI 2027 0.24
9.20% GOI 2030 0.22
8.27% GOI 2020 0.12
Total 62.55
LIC Housing Finance Ltd. 6.09
Bajaj Finance Ltd. 3.57
Mahindra & Mahindra Ltd. 3.07As on March 31, 2016 Reliance Gas Transportation Infrastructure Ltd. 2.68
Absolute Return HDFC Ltd. 2.55
Tata Sons Ltd. 2.10
Power Grid Corporation of India Ltd. 2.05
Portfolio return 8.8% 9.6% 9.7% 9.0% 11.1% 6.98% Power Finance Corporation Ltd. 2.03
Benchmark** 7.3% 8.9% 9.0% 9.0% 11.4% 8.24% Rural Electrification Corporation 0.70
Total 24.84Note: Past returns are not indicative of future performance.
* Money Market includes Liquid Schemes of Mutual Funds & Bank Deposit
March 2016
PENSION DEBT FUND Portfolio as on March 31, 2016
The investment objective of the debt fund is to provide progressive capital
growth with relatively lower investment risks.Sovereign
Sovereign
Sovereign
Benchmark is Crisil Composite Bond Index Adjusted for fund management charges.
Group Superannuation, Gratuity and Leave Encashment
CAGR Return
Since inceptionLast 5
years
Last 4
years
Last 3
years
Last 2
yearsLast 1 year
Sovereign
Sovereign
Sovereign
Sovereign
Sovereign
AA+
Sovereign
Sovereign
Sovereign
Sovereign
Sovereign
Sovereign
Sovereign
Sovereign
Sovereign
AAA
AAA
AAA
AAA
AAA
AAA
AAA
AAA
Asset Allocation Pattern
Asset Mix
Portfolio Return
NAV MovementInception Date - March 10,2006
Security Net Asset % RatingULGF00310/03/2006GROUPDEBTF122
The risk profile for this fund is Low
• Debt Securities 60%-100%• Money Market Instruments & Cash 0%-40%
8
13
18
23
Mar
-06
Mar
-07
Mar
-08
Mar
-09
Mar
-10
Mar
-11
Mar
-12
Mar
-13
Mar
-14
Mar
-15
Mar
-16
NAV MOVEMENT SINCE INCEPTION
GOVERNMENT SECURITIES
CORPORATE BONDS
CASH AND MONEY MARKETS* 12.61%
PORTFOLIO TOTAL 100.00%
Aviva Investor
Infosys Ltd. 1.63
HDFC Bank Ltd. 1.57
Reliance Industries Ltd. 0.99
HDFC Ltd. 0.92
ITC Ltd. 0.85
ICICI Bank Ltd. 0.83
Tata Consultancy Services Ltd. 0.61
Sun Pharmaceuticals Industries Ltd. 0.55
Axis Bank Ltd. 0.54
EQUITIES 16.52 Larsen & Toubro Ltd. 0.52
GOVERNMENT SECURITIES55.43 State Bank of India 0.48
CORPORATE BONDS 15.66 Tata Motors Ltd. 0.48
MONEY MARKET 12.39 Mahindra & Mahindra Ltd. 0.42
Kotak Mahindra Bank Ltd. 0.40
Ultratech Cement Ltd. 0.35
Coal India Ltd. 0.35
Maruti Suzuki India Ltd. 0.34
HCL Technologies Ltd. 0.32
Hero MotoCorp Ltd. 0.30
Bajaj Auto Ltd. 0.29As on March 31, 2016 Oil and Natural Gas Corporation Ltd. 0.29
Absolute Return Asian Paints Ltd. 0.28
Bharti Airtel Ltd. 0.22
Tech Mahindra Ltd. 0.21
Portfolio return 8.8% 9.7% 10.5% 10.6% 11.1% 4.83% Ambuja Cements Ltd. 0.19
Benchmark** 7.8% 8.6% 9.4% 9.5% 10.8% 5.15% Hindustan Unilever Ltd. 0.19
Indraprastha Gas Ltd. 0.19
Note: Past returns are not indicative of future performance. Power Grid Corporation of India Ltd. 0.19
Lupin Ltd. 0.18
Hindustan Petroleum Corporation Ltd. 0.14
Titan Company Ltd. 0.14
Jagran Prakashan Ltd. 0.14
Yes Bank Ltd. 0.13
NTPC Ltd. 0.13
P I Industries Ltd. 0.13
Gail (India) Ltd. 0.12
Dr Reddys Laboratories Ltd. 0.11
Indian Oil Corporation Ltd. 0.10
Cipla Ltd. 0.09
IRB Infrastructure Developers Ltd. 0.09
Sadbhav Engineering Ltd. 0.09
Adani Ports and Special Economic Zone Ltd. 0.07
Tata Power Co. Ltd. 0.07
Zee Entertainment Enterprises Ltd. 0.07
Bharti Infratel Ltd 0.05
Engineers India Ltd. 0.05
NCC Ltd. 0.04
ACC Ltd. 0.03
Gujarat State Petronet Ltd. 0.03
Container Corporation Of India Ltd. 0.02
Total 16.52
March 2016
PENSION SECURE FUND Portfolio as on March 31, 2016
To provide progressive return on the investment.
**Benchmark return has been computed by applying benchmark weightages on CRISIL Composite Bond Fund Index and Nifty 50
Index
Group Superannuation, Gratuity and Leave Encashment
CAGR Return
Since inceptionLast 5
years
Last 4
years
Last 3
years
Last 2
yearsLast 1 year
To be continued........
Asset Allocation Pattern
Asset Mix
Portfolio Return
NAV Movement
Security Net Asset % RatingULGF00113/07/2005GROUPSECUR122
The risk profile for this fund is Low
• Debt Securities 40%-100%• Equity 0%-20%• Money Market Instruments & Cash 0%-40%
Inception Date - July 13,2005
8
13
18
23
Jul-
05
Au
g-0
6
Sep
-07
Sep
-08
Oct
-09
No
v-1
0
Dec
-11
Jan
-13
Jan
-14
Feb
-15
Mar
-16
NAV MOVEMENT SINCE INCEPTION
EQUITIES
Continued....... Aviva Investor
9.23% GOI 2043 6.48
7.59% GOI 2029 6.40
7.59% GOI 2026 5.76
7.88% GOI 2030 5.23
8.40% GOI 2024 4.64
8.15% GOI 2026 3.82 9.20% GOI 2030 3.71
8.83% GOI 2041 3.58
8.24% GOI 2033 3.31
8.20% GOI 2025 2.78
7.73% GOI 2034 2.57
8.28% GOI 2032 1.84
8.32% GOI 2032 1.80
8.28% GOI 2027 1.31
8.27% GOI 2020 1.02
8.24% GOI 2027 0.64
8.97% GOI 2030 0.54
Total 55.43
Power Finance Corporation Ltd. 4.68
HDFC Ltd. 3.66
Tata Sons Ltd. 2.06
Mahindra & Mahindra Ltd. 1.71
LIC Housing Finance Ltd. 1.51
Tata Motors Ltd. 1.04
Bajaj Finance Ltd. 1.00
Total 15.66
* Money Market includes Liquid Schemes of Mutual Funds & Bank Deposit
AAA
AAA
AAA
AAA
AAA
AA
AA+
March 2016
PENSION SECURE FUND
Group Superannuation, Gratuity and Leave Encashment
Sovereign
Sovereign
Sovereign
Sovereign
Sovereign
Sovereign
SovereignSovereign
Sovereign
Sovereign
Sovereign
Sovereign
Sovereign
Sovereign
Sovereign
Sovereign
Sovereign
Security Net Asset % Rating
ULGF00113/07/2005GROUPSECUR122
GOVERNMENT SECURITIES
CORPORATE BONDS
CASH AND MONEY MARKETS* 12.39%
PORTFOLIO TOTAL 100.00%
Aviva Investor
Infosys Ltd. 3.08
HDFC Bank Ltd. 2.94
Reliance Industries Ltd. 1.84
HDFC Ltd. 1.73
ITC Ltd. 1.60
ICICI Bank Ltd. 1.57
Tata Consultancy Services Ltd. 1.15
Sun Pharmaceuticals Industries Ltd. 1.04
Axis Bank Ltd. 1.03
EQUITIES 31.31 Larsen & Toubro Ltd. 0.99
GOVERNMENT SECURITIES37.6 State Bank of India 0.93
CORPORATE BONDS 19.15 Tata Motors Ltd. 0.89
MONEY MARKET 11.94 Mahindra & Mahindra Ltd. 0.77
Kotak Mahindra Bank Ltd. 0.76
Ultratech Cement Ltd. 0.69
Coal India Ltd. 0.65
Maruti Suzuki India Ltd. 0.63
HCL Technologies Ltd. 0.60
Hero MotoCorp Ltd. 0.56
Oil and Natural Gas Corporation Ltd. 0.55As on March 31, 2016 Bajaj Auto Ltd. 0.53
Absolute Return Asian Paints Ltd. 0.51
Bharti Airtel Ltd. 0.42
Tech Mahindra Ltd. 0.40
Portfolio return 8.3% 8.1% 9.8% 10.4% 11.2% 2.43% Power Grid Corporation of India Ltd. 0.37
Benchmark** 8.3% 8.1% 9.6% 9.9% 10.2% 2.24% Indraprastha Gas Ltd. 0.36
Ambuja Cements Ltd. 0.35
Note: Past returns are not indicative of future performance. Hindustan Unilever Ltd. 0.35
Lupin Ltd. 0.33
Titan Company Ltd. 0.30
Jagran Prakashan Ltd. 0.28
Hindustan Petroleum Corporation Ltd. 0.27
P I Industries Ltd. 0.27
Yes Bank Ltd. 0.25
NTPC Ltd. 0.25
Gail (India) Ltd. 0.23
Dr Reddys Laboratories Ltd. 0.21
IRB Infrastructure Developers Ltd. 0.20
Indian Oil Corporation Ltd. 0.19
Sadbhav Engineering Ltd. 0.18
Cipla Ltd. 0.16
Zee Entertainment Enterprises Ltd. 0.14
Adani Ports and Special Economic Zone Ltd. 0.13
Tata Power Co. Ltd. 0.12
Engineers India Ltd. 0.11
Bharti Infratel Ltd 0.09
Container Corporation Of India Ltd. 0.09
NCC Ltd. 0.08
ACC Ltd. 0.07
Gujarat State Petronet Ltd. 0.07
Total 31.31
March 2016
PENSION BALANCED FUND Portfolio as on March 31, 2016
To provide capital growth by availing opportunities in debt and equity
markets and providing a good balance between risk and return.
**Benchmark return has been computed by applying benchmark weightages on CRISIL Composite Bond Fund Index and Nifty
50 Index
Group Superannuation, Gratuity and Leave Encashment
CAGR Return
Since inceptionLast 5
years
Last 4
years
Last 3
years
Last 2
yearsLast 1 year
To be continued........
Asset Allocation Pattern
Asset Mix
Portfolio Return
NAV Movement
Security Net Asset % RatingULGF00210/03/2006GROUPBALAN122
The risk profile for this fund is Medium
• Debt Securities 15%-90%• Equity 0% -45%• Money Market Instruments & Cash 0%-40%
Inception Date - March 10,2006
7
12
17
22
Mar
-06
Mar
-07
Mar
-08
Mar
-09
Mar
-10
Mar
-11
Mar
-12
Mar
-13
Mar
-14
Mar
-15
Mar
-16
NAV MOVEMENT SINCE INCEPTION
EQUITIES
Continued....... Aviva Investor
7.88% GOI 2030 6.09
7.59% GOI 2029 5.31
8.40% GOI 2024 4.99
9.20% GOI 2030 4.62 7.73% GOI 2034 3.10
9.23% GOI 2043 2.85
8.27% GOI 2020 2.37
7.59% GOI 2026 1.90
8.24% GOI 2033 1.72
8.83% GOI 2041 1.37
8.32% GOI 2032 0.87
8.15% GOI 2026 0.86
8.97% GOI 2030 0.68
8.28% GOI 2027 0.65
8.60% GOI 2028 0.22
Total 37.60
LIC Housing Finance Ltd. 6.13
Mahindra & Mahindra Ltd. 5.77
Tata Sons Ltd. 2.63
HDFC Ltd. 2.41
Food Corporation of India 1.35
Bajaj Finance Ltd. 0.84
NTPC Ltd. 0.02
Total 19.15
* Money Market includes Liquid Schemes of Mutual Funds & Bank Deposit
March 2016
PENSION BALANCED FUND
Group Superannuation, Gratuity and Leave Encashment
Sovereign
Sovereign
Sovereign
Sovereign
SovereignSovereign
Sovereign
Sovereign
Sovereign
Sovereign
AAA
AAA
AA+
AAA
Sovereign
Sovereign
Sovereign
Sovereign
Sovereign
AAA
AAA
AAA
Security Net Asset % Rating
ULGF00210/03/2006GROUPBALAN122
GOVERNMENT SECURITIES
CORPORATE BONDS
CASH AND MONEY MARKETS* 11.94%
PORTFOLIO TOTAL 100.00%
Aviva Investor
Infosys Ltd. 4.93
HDFC Bank Ltd. 4.69
Reliance Industries Ltd. 3.00
HDFC Ltd. 2.77
ITC Ltd. 2.56
ICICI Bank Ltd. 2.51
Tata Consultancy Services Ltd. 1.85
Sun Pharmaceuticals Industries Ltd. 1.66
Axis Bank Ltd. 1.64
EQUITIES 50.11 Larsen & Toubro Ltd. 1.58
GOVERNMENT SECURITIES21.18 State Bank of India 1.44
CORPORATE BONDS 16.64 Tata Motors Ltd. 1.44
MONEY MARKET 12.07 Kotak Mahindra Bank Ltd. 1.22
Mahindra & Mahindra Ltd. 1.18
Ultratech Cement Ltd. 1.10
Coal India Ltd. 1.05
Maruti Suzuki India Ltd. 1.02
HCL Technologies Ltd. 0.97
Hero MotoCorp Ltd. 0.89
Oil and Natural Gas Corporation Ltd. 0.89As on March 31, 2016 Bajaj Auto Ltd. 0.85
Absolute Return Asian Paints Ltd. 0.81
Bharti Airtel Ltd. 0.67
Tech Mahindra Ltd. 0.64
Portfolio return 9.8% 9.9% 12.5% 13.8% 11.9% -0.61% Power Grid Corporation of India Ltd. 0.59
Benchmark** 8.5% 7.5% 9.8% 10.3% 9.5% -1.19% Ambuja Cements Ltd. 0.57
Indraprastha Gas Ltd. 0.57
Note: Past returns are not indicative of future performance. Hindustan Unilever Ltd. 0.54
Titan Company Ltd. 0.54
Lupin Ltd. 0.53
P I Industries Ltd. 0.45
Jagran Prakashan Ltd. 0.45
Hindustan Petroleum Corporation Ltd. 0.43
Yes Bank Ltd. 0.40
NTPC Ltd. 0.38
Gail (India) Ltd. 0.37
IRB Infrastructure Developers Ltd. 0.34
Dr Reddys Laboratories Ltd. 0.32
Indian Oil Corporation Ltd. 0.30
Sadbhav Engineering Ltd. 0.28
Cipla Ltd. 0.27
Zee Entertainment Enterprises Ltd. 0.22
Engineers India Ltd. 0.21
Adani Ports and Special Economic Zone Ltd. 0.21
Tata Power Co. Ltd. 0.20
Bharti Infratel Ltd 0.14
Gujarat State Petronet Ltd. 0.13
NCC Ltd. 0.13
ACC Ltd. 0.10
Container Corporation Of India Ltd. 0.08
Total 50.11
March 2016
PENSION GROWTH FUND Portfolio as on March 31, 2016
To provide high capital growth by investing higher element of assets in
the equity market.
**Benchmark return has been computed by applying benchmark weightages on CRISIL Composite Bond Fund Index and Nifty
50 Index
Group Superannuation, Gratuity and Leave Encashment
CAGR Return
Since inceptionLast 5
years
Last 4
years
Last 3
years
Last 2
yearsLast 1 year
To be continued........
Asset Allocation Pattern
Asset Mix
Portfolio Return
NAV Movement
Security Net Asset % RatingULGF00410/03/2006GROUPGROWT122
The risk profile for this fund is High
• Debt Securities 20%-60%• Equity 20%-60%• Money Market Instruments & Cash 0%-60%
Inception Date - March 10,2006
7
12
17
22
27
Mar
-06
Mar
-07
Mar
-08
Mar
-09
Mar
-10
Mar
-11
Mar
-12
Mar
-13
Mar
-14
Mar
-15
Mar
-16
NAV MOVEMENT SINCE INCEPTION
EQUITIES
Continued....... Aviva Investor
7.59% GOI 2026 4.35
7.88% GOI 2030 3.66
8.28% GOI 2032 1.84
8.83% GOI 2041 1.81
8.79% Gujarat SDL 2022 1.71 8.24% GOI 2033 1.70
7.59% GOI 2029 1.31
8.32% GOI 2032 1.03
8.28% GOI 2027 0.89
8.97% GOI 2030 0.86
9.23% GOI 2043 0.75
7.73% GOI 2034 0.65
8.33% GOI 2026 0.62
Total 21.18
Mahindra & Mahindra Ltd. 6.86
LIC Housing Finance Ltd. 6.29
Power Finance Corporation Ltd. 2.08
HDFC Ltd. 1.38 AAA
NTPC Ltd. 0.03 AAA
Total 16.64
* Money Market includes Liquid Schemes of Mutual Funds & Bank Deposit
AAA
AAA
AAA
Sovereign
Sovereign
Sovereign
Sovereign
March 2016
PENSION GROWTH FUND
Group Superannuation, Gratuity and Leave Encashment
Sovereign
Sovereign
Sovereign
Sovereign
Sovereign
Sovereign
Sovereign
Sovereign
Sovereign
Security Net Asset % Rating
ULGF00410/03/2006GROUPGROWT122
CORPORATE BONDS
CASH AND MONEY MARKETS* 12.07%
PORTFOLIO TOTAL 100.00%
GOVERNMENT SECURITIES
Aviva Investor
Axis Bank Ltd. 14.57
Kotak Mahindra Bank Ltd. 12.01
State Bank of Patiala 11.96
State Bank of Hyderabad 11.79
COMMERCIAL PAPERS
Reliance Capital Ltd. 12.60
Total 62.93
MONEY MARKET 65.21
* Money Market includes Liquid Schemes of Mutual Funds & Bank Deposit
As on March 31, 2016
Absolute
Return
Portfolio return 8.6% 8.7% 8.5% 8.2% 7.9% 7.4%
Benchmark** 7.7% 8.7% 8.7% 8.8% 8.5% 8.1%
Note: Past returns are not indicative of future performance.
Last 1
year
**Benchmark return is CRISIL Liquid Fund Index Return
Group Superannuation, Gratuity and Leave Encashment
A1+
A1+
A1+
A1+
A1+
CAGR Return
Since
inception
Last 5
years
Last 4
years
Last 3
yearsLast 2 years
March 2016
PENSION CASH FUND Portfolio as on March 31, 2016
To safeguard the nominal value of the investments.
Asset Allocation Pattern
Portfolio Return
NAV MovementInception Date - March 31,2006
Security Net Asset % RatingULGF00531/03/2006GROUPCASHF122
The risk profile for this fund` is Low
• Debt Securities 0%-20%• Money Market Instruments & Cash 80%-100%
8
13
18
23
Mar
-06
Mar
-07
Mar
-08
Mar
-09
Mar
-10
Mar
-11
Mar
-12
Mar
-13
Mar
-14
Mar
-15
Mar
-16
NAV MOVEMENT SINCE INCEPTION
CERTIFICATE OF DEPOSITS
CASH AND EQUIVALENTS* 37.07%
PORTFOLIO TOTAL 100.00%
Asset Mix
Aviva Investor
* Money Market includes Liquid Schemes of Mutual Funds & Bank Deposit
MONEY MARKET 100
As on March 31, 2016
Absolute
Return
Portfolio return 8.2% 9.4% 9.5% 9.6% 10.0% 11.5%
Benchmark** 7.6% 8.6% 8.7% 8.8% 8.5% 8.1%
Note: Past returns are not indicative of future performance.
Last 1
year
**Benchmark for this fund is CRIISL Liquid Fund Index
CAGR Return
Since
inception
Last 5
years
Last 4
years
Last 3
years
Last 2
years
March 2016
PENSION SHORT TERM DEBT FUND Portfolio as on March 31, 2016
The investment objective of this fund is to provide security to investments with
progressive returns.
Group Superannuation, Gratuity and Leave Encashment
Asset Allocation Pattern
Portfolio Return
NAV MovementInception Date - February 12,2009
Security Net Asset % RatingULGF00613/02/2009GROUPSDEBT122
The risk profile for this fund is Low
• Debt Securi`ties ` 0%-50%• Money Market Instruments & Cash 0%-100%`
8
10
12
14
16
18
20
Feb
-09
Oct
-09
Jul-
10
Mar
-11
Dec
-11
Au
g-1
2
May
-13
Jan
-14
Oct
-14
Jul-
15
Mar
-16
NAV MOVEMENT SINCE INCEPTION
CASH AND EQUIVALENTS* 100%
PORTFOLIO TOTAL 100.00%
Asset Mix
Aviva Investor
8.28% GOI 2027 17.86
7.16% GOI 2023 8.35
Total 26.21
* Money Market includes Liquid Schemes of Mutual Funds & Bank Deposit
GOVERNMENT SECURITIES26.21
MONEY MARKET 73.79
As on March 31, 2016
Absolute
Return
Portfolio return 8.9% 8.8% 8.9% 8.8% 9.0% 7.2%
Benchmark 8.6% 8.6% 8.7% 8.8% 8.5% 8.1%
Note: Past returns are not indicative of future performance.
Last 1
year
Group Superannuation, Gratuity and Leave
Encashment
Sovereign
Sovereign
CAGR Return
Since
inception
Last 5
years
Last 4
years
Last 3
years
Last 2
years
March 2016
PENSION INCOME FUND Portfolio as on March 31, 2016
To provide returns by investing in safe funds with progressive returns.
Asset Allocation Pattern
Portfolio Return
NAV MovementInception Date - March 25,2011
Security Net Asset % RatingULGF00728/03/2011GROUPINCOM122
The risk profile for this fund is Medium
• Government Securities 0%-30%• Corporate Bonds 0%-100% • Other Approved Fixed Income Instruments 0%-100% • Money Market 0%-40%
8
10
12
14
16
Mar
-11
Sep
-11
Mar
-12
Sep
-12
Mar
-13
Sep
-13
Mar
-14
Sep
-14
Mar
-15
Sep
-15
Mar
-16
NAV MOVEMENT SINCE INCEPTION
GOVERNMENT SECURITIES
CASH AND MONEY MARKETS* 73.79%
PORTFOLIO TOTAL 100.00%
Asset Mix
Aviva Life Insurance Company India LimitedAviva Tower, Sector Road, Opp. Golf Course, Sector 43, Gurgaon, Haryana -122 003 Tel: +91(0) 124 270 9000-01, Fax: +91(0) 124 257 1214
Registered O ce: 2nd Floor, Prakashdeep Building, 7 Tolstoy Marg, New Delhi - 110 001
www.avivaindia.com Life Insurance
4 IRDAI Registration Number: 122
Disclaimer
A Joint Venture between Dabur Invest Corpand
Aviva International Holdings Limited
CIN: [email protected]
Disclaimer CAGR- Compounded Annualised Growth Rate
Benchmark Indices Provided by CRISIL
The composite indices are computed based on notional Asset allocation (weights for sub indices) provided by Aviva from time to time. Such weights for the sub indices would impact the return of the composite index. CRISIL does not take responsibility of variations in the returns due to such changes in weights for sub indices. CRISIL Indices are the sole property of CRISIL Limited (CRISIL) indices shall not be copied, retransmitted or redistributed in any manner for any commercial use. CRISIL has taken due care and caution in computation of indices, based on data obtained for any errors or for the results obtained from the
0 1 2 4 - 2 7 0 9 0 4 61 8 0 0 - 1 0 3 - 7 7 6 6
Aviva Trade logo displayed above belongs to Aviva Brands Limited and is used by Aviva Life Insurance Company India Limited under License.
Advt. No. May 12/16
a sale. Tax benefits are as per applicable tax laws which are subject to change. Unit linked Life Insurance
unit-linked life insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of the fund and factors influencing the capital market. The insured is responsible for his/her decisions. Aviva Life Insurance Company India Limited is only the name of the Insurance Company and the various funds offered under this contract are the names of the unit linked life insurance contract and do not in any way indicate the quality of the contract, its future prospects or
Intermediary or policy document issued by the insurance company. The premiums and funds are subject to certain charges related to the fund or to the premium paid and there is a possibility of increase in charges. The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns. Unit-linked funds are subject to market risks and there is no
guaranteed/ assured results.”
BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS or FRAUDULENT OFFERS. IRDAI clarifies to public that
premiums. IRDAI does not announce any bonus. Public receiving such phone calls are requested to lodge a police complaint along with details of phone call, number.