my cover Updated Attachment/InveSTAR Fact... · Power Grid Corporation of India Limited 1.67% Bajaj Auto Limited 1.65% Sterlite Industries ( India ) Limited 1.58% HCL Technologies

Fact Sheet

September – 2012

InveSTAR

Global Economic Scenario: While concerns over slow down of Global economic growth continue, US Federal Reserve and European Central Bank have approved monetary easing to spur growth in their Economies. These measures have given rise to increased global liquidity, which augurs well for Emerging Market equities including India.

On the back of abundant liquidity, international commodity prices excluding crude oil have moved up. Soft crude oil prices and appreciating trend of Rupee (vs. US $) is favorable for Indian economy, especially in containing fiscal and current account deficits.

International Commodities Prices

Month Ended Aug. Sep. Change

%Gold (US$ / ounce) 1,691.9 1,772.3 4.8Silver (US$ / ounce) 31.8 34.5 8.4

Copper (US$ / T) 7,606.3 8,211.5 8.0

Aluminum (US$ / T) 1,883.8 2,084.8 10.7Brent Crude(US$ / bbl)

115.9 112.4 -3.0

Indian Economy:

Index of Industrial Production (IIP)

Though IIP growth improved from contraction in June ’2012 to nominally positive level in July’ 2012, the data

suggests continued slow down in industrial activity, mainly due to contraction in growth of capital goods segment and also slowing consumption growth. Lower than expected agriculture production and slowing growth of services may have adverse impact on GDP.

Reform Initiatives of Government During September’ 2012, Government kicked-off policy action and reform process dispelling policy paralysis fears. Major reforms so far announced include: Diesel price hike, cap on subsidy for cooking gas; deferment of GAAR; Increase in FDI limits in Retail / Aviation / Broadcasting / Power Trading Exchanges / Insurance & Pension Sectors; approval of stake sale in PSUs etc. Many more reforms appear to be underway. On the back these initiatives, fiscal position is looking better & threat of Sovereign downgrade appears to have abated.

Foreign Institutional Flows in Equity Market Reforms oriented efforts aided with Global liquidity have improved market sentiments and the equity markets have attracted strong FII flows (Rs.19,261 cr. in Sept. & 82,331 cr. YTD).

Foreign Trade and Current Account deficit (CAD)

Contraction of Imports as well as Exports (yoy) for the last 4 months is adding to slow down in Industrial activity. However, sharper contraction of imports has led to narrowing of trade deficits, which has helped in reduction of CAD. As per the recent RBI data, CAD for Q1’ FY13 has narrowed to 3.9% of GDP as against 4.5% in Q4’ FY12

INR vs.US$: On the back of strong FII inflows and narrowing CAD, INR (vs. US$) has sharply appreciated (Rs. 52.85 as at September end vs.55.52 as at August end) and the

MONTHLY REPORT – September ‘2012

ECONOMY AND FINANCIAL MARKETS

appreciating trend is continuing. With Oil prices remaining soft and appreciating trend of Rupee, subsidy burden is expected to abate and this also augurs well for Fiscal & Current Account Deficit.

Inflation (Based on WPI) For Month-ended YoY % Increase

July’ 2012 6.87

August’ 2012 7.55 WPI inflation for August has inched up to 7.55%, mainly due to increase in prices of manufactured products & Power/Fuels, though prices of food items eased marginally. Diesel price hike in Sept. may push up inflation, in near term.

Monsoon: With increased rainfall in September, deficiency of monsoon has reduced (8% below normal). Increased soil moisture & level in water reservoirs has improved prospects for Rabi crop, which may to some extent make-up for shortfall of Kharif crop. Debt Markets: Liquidity position in money market improved around the month end & call rate remained at around the Repo rate (8.0%). Bond yields across the maturities dropped with yield of 10 year Benchmark G-Sec trading at 8.20% as at September end against 8.26% at the end of August’ 2012.

Outlook Government reform initiatives are supportive for a positive monetary action by RBI, but given high inflationary expectations and comfortable liquidity, rate cut by RBI is doubtful in the Monetary Policy Review on 30th October. Inflation numbers to be announced on 14th October may influence RBI action and stance which may provide direction to the Bond Yields. Till then Bond yields are expected to remain range bound.

Stock Markets: Roll out of successive reforms by GoI, along with announcement of monetary easing by ECB and US Fed, triggered sharp rally, fuelled by strong FII flows (Rs.19, 261 cr. in Sept.) and the major indices gained about 8% during the month.

Broad Indices:

Sensex Nifty

Close as on 31.08.12 17,429 5,259Close as on 28.09.12 18,791 5,703Change% 7.8% 8.46%

Sectoral Indices:

Sectors (BSE) Index Nos. %

variation Sep-12 Aug-12

Healthcare 7,562 7,468 1.3%

FMCG 5,510 5,408 1.9%

IT 5,945 5,752 3.3%

Oil & Gas 8,681 8,298 4.6%

Power 2,049 1,892 8.3%

Metal 10,587 9,778 8.3%

Cons. Durables 6,954 6,259 11.1%

Auto 10,466 9,338 12.1%

Bankex 13,151 11,550 13.9%

Cap. Goods 10,959 9,519 15.1%

Realty 1,854 1,518 22.1%

With increasing risk appetite, high beta & beaten-down sectors outperformed the broad indices and the defensives underperformed.

Outlook: On the back of increasing interest of FIIs, market has entered momentum phase. At about 15X to FY13 consensus estimated earnings, indices are trading around the long-term average levels and may tend to move up from the current level. Further value may emerge as going forward; the market will start discounting FY14 earnings. Direction of the market will however be largely influenced by the results for Q2, FY13.

Performance Summary as on September 30, 2012

InveSTAR

6 Months 1 Year 2 Year 3 YearSince

Inception

SFIN

Equity Fund

ULIF 002 25/02/09 SUD‐LI‐EQ1 142

Growth Fund *

Scheme Name

/ /

25/02/2009 109.99 20.45

NAV Returns

Inception date AUM (Rs. Cr) NAV (Rs.)

Absolute CAGR

3.71%8.50% 13.89% ‐1.59% 21.89%

InveSTAR

Growth Fund

ULIF 003 25/02/09 SUD‐LI‐GR1 142

Balanced Fund

ULIF 001 18/02/09 SUD‐LI‐BL1 142

Bond Fund

ULIF 004 25/02/09 SUD‐LI‐BN1 142

Individual Pension Fund ‐ Equity

ULIF 005 31/03/09 SUD‐PI‐EQ1 142

Individual Pension Fund ‐ Growth

ULIF 006 31/03/09 SUD‐PI‐GR1 142

Individual Pension Fund ‐ Balanced

16.75%

14.36%95.50 16.00

31/03/2009 87.90 17.20

18/02/2009 65.10 6.03%

25/02/2009 26.03 12.59 5.68%

15.19

/ /

Individual

Life @

Pension Life

@@

25/02/2009

31/03/2009

136.40 19.11 4.99%7.56% 12.83% 0.88% 19.56%

6.74%

11.05% 3.99% 12.26%

9.87%

7.85% 13.00% 0.47%

5.98%

6.89%

3.91%

4.28%

7.14%

8.41% 13.71% ‐1.81%

InveSTAR

Individual Pension Fund Balanced

ULIF 007 31/03/09 SUD‐PI‐BL1 142

Individual Pension Fund ‐ Bond

ULIF 008 31/03/09 SUD‐PI‐BN1 142

Apex Equity Fund

ULIF 009 20/01/10 SUD‐LA‐EQ1 142

Apex Growth Fund

ULIF 010 20/01/10 SUD‐LA‐GR1 142

Apex Balanced Fund

ULIF 011 20/01/10 SUD‐LA‐BL1 142

Apex Bond Fund

20/01/2010 11.40 7.12% 12.77% 1.06%

7 92% 7 49%72 27

413.47

6.05%259.8920/01/2010

7.09% 6.71%

4.11%

4.99%

N A12 15 6 50% 11 23%

6.96%

N.A

N.A11.71

31/03/2009 15.09 12.55 5.63%

417.7320/01/2010 11.15 7.72% 14.20% ‐1.57%

14.41 6.32%

9.99%

31/03/2009 59.66

Individual

Apex $

20/01/2010

12.46% 2.80%

11.23% 4.28% 5.99%

7.09%

N.A

11.01%

InveSTAR

Apex Bond Fund

ULIF 012 20/01/10 SUD‐LA‐BN1 142

Individual Pension Fund ‐ Apex Equity

ULIF 013 20/01/10 SUD‐PA‐EQ1 142

Individual Pension Fund ‐ Apex Growth

ULIF 014 20/01/10 SUD‐PA‐GR1 142

Individual Pension Fund ‐ Apex Balanced

ULIF 015 20/01/10 SUD‐PA‐BL1 142

Individual Pension Fund ‐ Apex Bond

ULIF 016 20/01/10 SUD‐PA‐BN1 142

Express Balanced Fund

64.24

23.1620/01/2010 12.02 5.93% 10.13% N.A

11.51 7.55%

N A 7 44%

13.17%

12 23% N AIndividual

29/04/2011 29 85 11 07 6 87%

7.92% 7.49%

15.10% ‐1.38% 3.90%123.04 N.A

72.27

4.14%

5.35%

7.06%

N.A

9.06%

142.59 11.15

7.24%

N.A7.78% 13.48% 0.31%

2.87%

N.A12.15 6.50% 11.23%

20/01/2010 11.09

Pension

Apex $$

20/01/2010

20/01/2010

20/01/2010

InveSTAR

Express Balanced Fund

ULIF 017 29/04/11 SUD‐LX‐BL1 142

Discontinued Policies Fund

ULIF 018 03/06/11 SUD‐UL‐DP1 142

Total AUM 2189.43

@ For Dhan Suraksha, Dhan Suraksha Premium, Prabhat Tara Products # Absolute Return@@ For Dhruv Tara Products $ For New Dhan Suraksha, New Dhan Suraksha Premium, New Prabhat Tara, Dhan Suraksha 3, Dhan Suraksha Premium 3 Products, Prabhat Tara 3 Products.$$ For New Dhruv Tara Products

# 7.72%N.A

N.A 7.44%

03/06/2011 47.50 10.77 4.20% N.A N.A

12.23% N.AIndividual

Life *29/04/2011 29.85 11.07 6.87%

InveSTAR

$$ For New Dhruv Tara Products* For Dhan Suraksha Express

InveSTAR InveSTAR

Investment Objective:

Date of Inception : SFIN No.

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

Products : AUM:

Rs. 109.99 Cr

Portfolio % to AUM

`

Equity 93.05% Minimum Maximum

Larsen & Toubro Limited 7.18% 80% 100% 93.05%

Reliance Industries Ltd 7.00% 0% 20% 6.95%

Infosys Ltd 4.87%

State Bank of India 4.68%

HDFC Bank Ltd 4.36%

ICICI Bank Ltd 4.16%

Housing Development Finance Corporation Ltd. 3.63%

Tata Consultancy Services Limited 3.47%

ITC Ltd. 2.99%

Mahindra & Mahindra Ltd. 2.85%

Hindustan Unilever Limited 2.80%

Axis Bank Limited 2.79%

Coal India Limited 2.77%

Cipla Ltd. 2.77%

Bharti Airtel Limited 2.62%

Grasim Industries Ltd. 2.61%

Aditya Birla Nuvo Limited 2.49%

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

equity‐related instruments.

Investment PatternActual

Asset Mix

Particulars

Equity

MM & Others

EQUITY FUND - SEPTEMBER, 2012

Benchmark :

S & P CNX Nifty ‐ 90%

For Dhan Suraksha, Dhan Suraksha Premium, Prabhat

Tara.

CRISIL Liquid Fund Index ‐ 10%

Equity93.05%

MM & Others6.95%

Asset Allocation (% to AUM)


Hindalco Industries Ltd. 2.02%

Godrej Consumer Products Limited 1.94%

The Indian Hotels Company Limited 1.72%

Power Grid Corporation of India Limited 1.67%

Bajaj Auto Limited 1.65%

Sterlite Industries ( India ) Limited 1.58%

HCL Technologies Ltd 1.46%

Tata Motors Limited 1.45%

Tata Steel Limited 1.43%Oil & Natural Gas Corpn Ltd 1.33%Chambal Fertilizers & Chemicals Ltd 1.31%Sun Pharmaceuticals Industries Ltd 1.25%Hindustan Petroleum Corporation Ltd. 1.19%Cairn India Limited 1.08%NTPC Limited 1.08%Others (with < 1% exposure) 6.85%

MM & Others 6.95%

Total 100.00%

`

17.03%

10.70%

8.23%

7.18%

6.26%

4.75%

3.63%

3.61%

Banking Services

Computer software

Refinery

Industrial Construction

Drugs & pharmaceuticals

Cosmetics, toiletries, soaps & detergents

Housing Finance Services

Copper & copper products

Top 10 Industry Exposure (% to AUM)

Equity93.05%

MM & Others6.95%


9

11

13

15

17

19

21

23

25

NAV/U

NIT (Rs)

NAV Performance (Since Inception)

Equity Fund Benchmark

17.03%

10.70%

8.23%

7.18%

6.26%

4.75%

3.63%

3.61%

2.99%

2.85%

Banking Services

Computer software

Refinery






Tobacco products

Passenger cars & multi utility vehicles

Top 10 Industry Exposure (% to AUM)

Equity93.05%

MM & Others6.95%


9

11

13

15

17

19

21

23

25

NAV/U

NIT (Rs)


Equity Fund Benchmark

Investment Objective :


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

Products : AUM:

Rs. 136.4 Cr

Portfolio % to AUM

`




Infosys Ltd 3.74%



HDFC Bank Ltd 2.85%





ITC Ltd. 2.34%








IndusInd Bank Limited 1 45%

Equity

Debt, MM & Others

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

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


Asset Mix

Particulars

GROWTH FUND - SEPTEMBER, 2012

Benchmark :


CRISIL Composite Bond Index ‐ 30%


Tara & Dhan Suraksha Express.

Debt24.18%

Equity68.73%

MM & Others7.09%


Gilt3.98%AA+

18 31%

Debt Rating Profile (% of Debt)

IndusInd Bank Limited 1.45%

Sun Pharmaceuticals Industries Ltd 1.38%

Hindustan Petroleum Corporation Ltd. 1.22%

Oil & Natural Gas Corpn Ltd 1.20%




Chambal Fertilizers & Chemicals Ltd 1.01%


Others (with < 1% exposure) 9.66%

Debt 24.18%

Gilts & SDL 0.96%

GOI 0.96%

Corporate Bonds 23.22%


LIC Housing Finance Ltd 2.44%

Power Finance Corporation Limited 1.99%

Reliance Ports & Terminals Ltd. 1.59%


Tata Capital Financial Services Ltd 1.49%

Reliance Capital Limited 1.42%


MM & Others 7.09%

Total 100.00%

`

13.08%

8.79%

7.68%

6.79%

5.61%

4.47%

4.20%

Banking Services

Computer software


Refinery



Other Financial Services

Top 10 Industry Exposure ( % to AUM)

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

22.78%

32.42%

16.49%

27.45%

0.85%

Debt Maturity Profile ( % of Debt)

Debt24.18%

Equity68.73%

MM & Others7.09%


Gilt3.98%

AAA77.10%

AA0.62%

AA+18.31%


11

12

13

14

15

16

17

18

19

20

NAV/U

NIT (Rs)

NAV Performance (Since Inception)Growth Fund Benchmark

13.08%

8.79%

7.68%

6.79%

5.61%

4.47%

4.20%

3.47%

2.96%

2.93%

Banking Services

Computer software


Refinery




Infrastructure finance services





22.78%

32.42%

16.49%

27.45%

0.85%


Debt24.18%

Equity68.73%

MM & Others7.09%


Gilt3.98%

AAA77.10%

AA0.62%

AA+18.31%


9

10

11

12

13

14

15

16

17

18

19

20

NAV/U

NIT (Rs)

NAV Performance (Since Inception)Growth Fund Benchmark



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

Products : AUM :

Rs. 65.1 Cr

% to AUM

`


Infosys Ltd 3.12% 0% 60% 30.01%



Larsen & Toubro Limited 2.07%

ITC Ltd. 2.05%




HDFC Bank Ltd 1.26%

Dr. Reddys Laboratories Ltd. 1.24%


Tata Steel Limited 1.08%


Debt 60.82%

Gilts & SDL 5.43%

GOI 4.53%

SDL (with < 1% exposure) 0.90%

Corporate Bonds 55 39%

Equity

Debt, MM & Others

Benchmark :



BALANCED FUND - SEPTEMBER, 2012

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.

Debt60.82%Equity

30.01%

MM & Others9.16%


Debt Rating Profile (% of Debt)Corporate Bonds 55.39%

Housing Development Finance Corporation Ltd. 5.48%LIC Housing Finance Ltd 4.94%Power Finance Corporation Limited 4.70%Reliance Capital Limited 3.40%


Steel Authority of India Ltd. 3.03%


Indian Oil Corporation Ltd 2.62%

Reliance Gas Transportation Infrastucture Limited 2.51%


Dr. Reddy's Laboratories Ltd. 2.33%

Tech Mahindra Limited 1.88%

ACC Limited 1.84%

Tata Communications Limited 1.70%

National Housing Bank 1.68%

The Great Eastern Shipping Co. Limited 1.60%

Indian Railway Financial Corporation Ltd. 1.57%




MM & Others 9.16%

Total 100.00%

`

13.69%

9.84%

6.09%

5.73%

5.65%

5.29%

4.35%

4.11%



Refinery

Computer software

Banking Services



Steel



23.31%

37.23%

14.31%

23.56%

1.59%

Debt Maturity Profile (% of Debt)

Debt60.82%Equity

30.01%

MM & Others9.16%


Gilt8.93%

AAA78.54%

AA+12.53%


10

11

12

13

14

15

16

NAV/U

NIT (Rs)


Balance Fund Benchmark

13.69%

9.84%

6.09%

5.73%

5.65%

5.29%

4.35%

4.11%

3.40%

3.19%



Refinery

Computer software

Banking Services



Steel

Investment services

Electricity distribution



23.31%

37.23%

14.31%

23.56%

1.59%

Debt Maturity Profile (% of Debt)

Debt60.82%Equity

30.01%

MM & Others9.16%


Gilt8.93%

AAA78.54%

AA+12.53%


9

10

11

12

13

14

15

16

NAV/U

NIT (Rs)


Balance Fund Benchmark



February 25, 2009 ULIF 004 25/02/09 SUD‐LI‐BN1 142

Products : AUM :

Rs. 26.03 Cr

Portfolio % to AUM

`

Debt 94.23% Minimum Maximum

Gilts & SDL 19.48% 80% 100% 94.23%

GOI 17.82% 0% 20% 5.77%

SDL ‐ Gujarat 1.12%







ACC Limited 4.22%





National Bank For Agriculture And Rural Development 3.12%


Steel Authority of India Ltd 3 02%

Debt

MM & Others



Benchmark :

BOND FUND - SEPTEMBER, 2012

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

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


Asset Mix

Particulars


Tara.

Debt94.23%

MM & Others5.77%




MRF Ltd. 2.84%

Reliance Industries Ltd 2.76%

Rural Electrification Corporation Limited 2.76%

The Great Eastern Shipping Co. Limited 2.40%


Tata Capital Financial Services Ltd 1.95%


TATA Sons 1.57%



IDFC 1.15%


MM & Others 5.77%

Total 100.00%

`

15.22%

10.86%

5.29%

4.77%

4.74%

4.25%

4.22%

4.20%




LNG storage & distribution

Refinery


Cement

Diversified



14.09%

35.46%

11.84%

33.41%

5.19%


Debt94.23%

MM & Others5.77%


Gilt20.68%

AAA67.31%

AA0.42%

AA+11.59%


10

11

12

13

NAV/U

NIT (R

s)


Bond Fund Benchmark

15.22%

10.86%

5.29%

4.77%

4.74%

4.25%

4.22%

4.20%

3.41%

3.07%





Refinery


Cement

Diversified

Steel

Investment services



14.09%

35.46%

11.84%

33.41%

5.19%


Debt94.23%

MM & Others5.77%


Gilt20.68%

AAA67.31%

AA0.42%

AA+11.59%


9

10

11

12

13

NAV/U

NIT (R

s)


Bond Fund Benchmark



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

Products : AUM :

Rs. 87.9 Cr

Portfolio % to AUM

`








Infosys Ltd 3.40%

HDFC Bank Ltd 3.38%









ITC Ltd. 2.23%

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

INDIVIDUAL PENSION FUND EQUITY - SEPTEMBER, 2012

Benchmark :



Equity

For Dhruv Tara Products

Equity91.37%

MM & Others8.63%









NTPC Limited 1.41%



Lupin Limited 1.19%

Wipro Ltd 1.15%





MM & Others 8.63%

Total 100.00%

`

15.69%

10.47%

8.63%

7.11%

5.42%

5.24%

4.30%

3.73%

Banking Services

Computer software

Refinery







Equity91.37%

MM & Others8.63%


10

11

12

13

14

15

16

17

18

19

20

21

22

NAV/U

NIT (Rs)


Pen Equity Benchmark

15.69%

10.47%

8.63%

7.11%

5.42%

5.24%

4.30%

3.73%

3.27%

2.78%

Banking Services

Computer software

Refinery









Equity91.37%

MM & Others8.63%


10

11

12

13

14

15

16

17

18

19

20

21

22

NAV/U

NIT (Rs)


Pen Equity Benchmark


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.

INDIVIDUAL PENSION FUND GROWTH - SEPTEMBER, 2012


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

Products : AUM :

Rs. 95.5 Cr

Portfolio % to AUM

`


Asset Mix


Actual

Benchmark :









HDFC Bank Ltd 2.88%


ITC Ltd. 2.61%




Equity

Debt, MM & Others

Debt25.72%

MM & Others5.89%





Infosys Ltd 1.98%








HCL Technologies Ltd 1 06%

Debt25.72%

Equity68.39%

MM & Others5.89%


Gilt4 57%AA

AA+12 05%

Debt Rating Profile (% of Debt)HCL Technologies Ltd 1.06%


Debt 25.72%

Gilts & SDL 1.18%

GOI 1.11%





Debt25.72%

Equity68.39%

MM & Others5.89%


Gilt4.57%

AAA82.55%

AA0.83%

AA+12.05%













50.90%


Debt25.72%

Equity68.39%

MM & Others5.89%


Gilt4.57%

AAA82.55%

AA0.83%

AA+12.05%



MM & Others 5.89%

Total 100.00%

12.62%

10.19%

Banking Services

Computer software



12.28%

50.90%

13.50%19.39%

3.92%


Debt25.72%

Equity68.39%

MM & Others5.89%


Gilt4.57%

AAA82.55%

AA0.83%

AA+12.05%



`

12.62%

10.19%

7.83%

7.40%

5.06%

3.95%

3.76%

Banking Services

Computer software

Refinery



Steel




12.28%

50.90%

13.50%19.39%

3.92%


Debt25.72%

Equity68.39%

MM & Others5.89%


Gilt4.57%

AAA82.55%

AA0.83%

AA+12.05%


13

14

15

16

17

18

19

NAV/U

NIT (Rs)


Pen Growth Benchmark

12.62%

10.19%

7.83%

7.40%

5.06%

3.95%

3.76%

3.71%

3.43%

3.24%

Banking Services

Computer software

Refinery



Steel



Telecommunication services




12.28%

50.90%

13.50%19.39%

3.92%


Debt25.72%

Equity68.39%

MM & Others5.89%


Gilt4.57%

AAA82.55%

AA0.83%

AA+12.05%


10

11

12

13

14

15

16

17

18

19

NAV/U

NIT (Rs)


Pen Growth Benchmark



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

Products : AUM :

Rs. 59.66 Cr

Portfolio % to AUM

`



Infosys Ltd 3.02% 40% 100% 71.07%



Housing Development Finance Corporation Ltd. 1.80%ITC Ltd. 1.71%



NTPC Limited 1.37%





Debt 61.69%

Gilts & SDL 4.54%GOI 3.72%SDL (with < 1% exposure) 0.82%

Corporate Bonds 57.15%Housing Development Finance Corporation Ltd. 5.84%

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

INDIVIDUAL PENSION FUND BALANCED - SEPTEMBER, 2012

Benchmark :



Equity


Debt61.69%

Equity28.93%

MM & Others9.38%


GiltAA+Debt Rating Profile (% of Debt)g p p

LIC Housing Finance Ltd 4.21%Reliance Capital Limited 4.20%




ACC Limited 2.85%









TATA Sons 1.19%






MM & Others 9.38%

Total 100.00%

`

13.52%

8.57%

7.63%

5.63%

5.41%

4.73%

4.52%

4.25%


Refinery


Banking Services

Computer software


Steel

Diversified



21.79%

36.66%

18.36% 19.01%

4.17%


Debt61.69%

Equity28.93%

MM & Others9.38%


Gilt7.36%

AAA76.30%

AA1.66%

AA+14.68%


11

12

13

14

15

NAV/U

NIT (Rs)


Pen Bal Benchmark

13.52%

8.57%

7.63%

5.63%

5.41%

4.73%

4.52%

4.25%

4.20%

4.08%


Refinery


Banking Services

Computer software


Steel

Diversified

Investment services




21.79%

36.66%

18.36% 19.01%

4.17%


Debt61.69%

Equity28.93%

MM & Others9.38%


Gilt7.36%

AAA76.30%

AA1.66%

AA+14.68%


10

11

12

13

14

15

NAV/U

NIT (Rs)


Pen Bal Benchmark



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

Products : AUM :

Rs. 15.09 Cr

Portfolio % to AUM

`


Gilts & SDL 11.07% 80% 100% 89.01%

GOI 6.31% 0% 20% 10.99%

SDL ‐ Andhra Pradesh 1.85%


SDL ‐ Kerala 1.26%










Reliance Capital Limited 3 98%

MM & Others



Asset Mix


Actual

INDIVIDUAL PENSION FUND BOND - SEPTEMBER, 2012

Benchmark :



Debt


Debt89.01%

MM & Others10.99%





ACC Limited 3.33%


MRF Ltd. 2.80%


TATA Sons 2.03%



IDFC 1.99%





MM & Others 10.99%

Total 100.00%

`

13.93%

12.03%

8.75%

7.34%

5.91%

5.61%

4.79%

3.98%





Steel

Refinery


Investment services



15.11%

29.04%

20.10%

31.91%

3.84%


Debt89.01%

MM & Others10.99%


Gilt12.44%

AAA72.38%

AA1.52%

AA+13.66%


10.0

11.0

12.0

13.0

NAV/U

NIT (Rs)

NAV Performance (Since Inception)Pen Bond Benchmark

13.93%

12.03%

8.75%

7.34%

5.91%

5.61%

4.79%

3.98%

3.96%

3.40%





Steel

Refinery


Investment services

Diversified

Hotels & restaurants



15.11%

29.04%

20.10%

31.91%

3.84%


Debt89.01%

MM & Others10.99%


Gilt12.44%

AAA72.38%

AA1.52%

AA+13.66%


9.0

10.0

11.0

12.0

13.0

NAV/U

NIT (Rs)

NAV Performance (Since Inception)Pen Bond Benchmark



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

Products: AUM :

Rs. 417.73 Cr

Portfolio % to AUM

`




HDFC Bank Ltd 4.31%

Infosys Ltd 4.11%




ITC Ltd. 3.61%









Coal India Limited 2 24%

Equity

MM & Others

Benchmark :



APEX EQUITY FUND - SEPTEMBER, 2012

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

related instruments.


Asset Mix

Particulars

For New Dhan Suraksha, New Dhan Suraksha Premium,

New Prabhat Tara, Dhan Suraksha 3 & Dhan Suraksha

Premium 3, Prabhat Tara 3.

Equity90.87%

MM & Others9.13%










Wipro Ltd 1.44%





Cipla Ltd. 1.20%

Ambuja Cements Ltd 1.06%

Bharat Heavy Electricals Ltd 1.05%

ACC Limited 1.05%


MM & Others 9.13%

Total 100.00%

`

15.51%

10.94%

7.73%

6.43%

5.16%

4.40%

3.61%

Banking Services

Computer software

Refinery




Tobacco products

Passenger cars & multi utility


Equity90.87%

MM & Others9.13%


8.0

9.0

10.0

11.0

12.0

13.0

Jan‐10

Mar‐10

May‐10

Jul‐10

Sep‐10

Nov‐10

Jan‐11

Mar‐11

May‐11

Jul‐11

Sep‐11

Nov‐11

Jan‐12

Mar‐12

May‐12

Jul‐12

Sep‐12

NAV/U

NIT (Rs)


Apex Equity Benchmark

15.51%

10.94%

7.73%

6.43%

5.16%

4.40%

3.61%

3.54%

3.38%

2.97%

Banking Services

Computer software

Refinery




Tobacco products



Crude oil & natural gas


Equity90.87%

MM & Others9.13%


8.0

9.0

10.0

11.0

12.0

13.0

Jan‐10

Mar‐10

May‐10

Jul‐10

Sep‐10

Nov‐10

Jan‐11

Mar‐11

May‐11

Jul‐11

Sep‐11

Nov‐11

Jan‐12

Mar‐12

May‐12

Jul‐12

Sep‐12

NAV/U

NIT (Rs)


Apex Equity Benchmark



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

Products : AUM :

Rs. 413.47 Cr

Portfolio % to AUM

`




Infosys Ltd 3.14%



HDFC Bank Ltd 2.83%





ITC Ltd. 2.27%











Bajaj Auto Limited 1 30%

Equity

Debt, MM & Others

Benchmark :



APEX GROWTH FUND - SEPTEMBER, 2012

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

For New Dhan Suraksha, New Dhan Suraksha

Premium, New Prabhat Tara, Dhan Suraksha 3 &

Dhan Suraksha Premium 3, Prabhat Tara 3.

Debt23.50%

Equity68.81%

MM & Others7.69%


Gilt12.17%

AA+16.53%



Wipro Ltd 1.25%







Debt 23.50%

Gilts & SDL 2.86%

GOI 2.60%





Sundaram Finance Ltd. 1.30%





MM & Others 7.69%

Total 100.00%

`

11.83%

8.34%

7.60%

6.43%

5.14%

4.62%

4.01%

Banking Services

Computer software


Refinery




Cosmetics toiletries soaps &

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

18.13%

30.89%

10.45%

28.28%

12.26%


Debt23.50%

Equity68.81%

MM & Others7.69%


Gilt12.17%

AAA71.30%

AA+16.53%


10.0

10.5

11.0

11.5

12.0

NAV/U

NIT (R

s)


Apex Growth Benchmark

11.83%

8.34%

7.60%

6.43%

5.14%

4.62%

4.01%

3.41%

3.14%

3.09%

Banking Services

Computer software


Refinery







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

18.13%

30.89%

10.45%

28.28%

12.26%


Debt23.50%

Equity68.81%

MM & Others7.69%


Gilt12.17%

AAA71.30%

AA+16.53%


9.0

9.5

10.0

10.5

11.0

11.5

12.0

Jan‐10

Mar‐10

May‐10

Jul‐10

Sep‐10

Nov‐10

Jan‐11

Mar‐11

May‐11

Jul‐11

Sep‐11

Nov‐11

Jan‐12

Mar‐12

May‐12

Jul‐12

Sep‐12

NAV/U

NIT (R

s)


Apex Growth Benchmark



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

Products : AUM :

Rs. 259.89 Cr

Portfolio % to AUM

`


Infosys Ltd 2.95% 35% 65% 48.66%





HDFC Bank Ltd 2.19%







ITC Ltd. 1.44%








Debt 39.56%

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.

Benchmark :




Premium, New Prabhat Tara, Dhan Suraksha 3 & Dhan

Suraksha Premium 3, Prabhat Tara 3.

APEX BALANCED FUND - SEPTEMBER, 2012


Asset Mix

Particulars

Debt39.56%

Equity48.66%

MM & Others11.78%

Asset Allocation( % to AUM)

Gilt00%

AA+13.54%


Debt 39.56%

Gilts & SDL 4.35%

GOI 2.80%







Infrastructure Leasing & Financial Services Ltd. 1.83%



UltraTech Cement Limited 1.65%

HDB Financial Services LTD 1.58%




Reliance Capital Limited 1.00%Others (with < 1% exposure) 7.34%

MM & Others 11.78%

Total 100.00%

`

10.08%

8.18%

6.25%

5.73%

4.15%

4.13%

3.58%

3.30%


Banking Services


Computer software


Refinery

Cement




14.69%

30.02%

12.03%

37.46%

5.79%


Debt39.56%

Equity48.66%

MM & Others11.78%


Gilt11.00%

AAA75.46%

AA+13.54%


9 5

10

10.5

11

11.5

12

NAV/U

NIT (R

s)


Apex Balance Benchmark

10.08%

8.18%

6.25%

5.73%

4.15%

4.13%

3.58%

3.30%

3.27%

3.08%


Banking Services


Computer software


Refinery

Cement






14.69%

30.02%

12.03%

37.46%

5.79%


Debt39.56%

Equity48.66%

MM & Others11.78%


Gilt11.00%

AAA75.46%

AA+13.54%


9

9.5

10

10.5

11

11.5

12

NAV/U

NIT (R

s)


Apex Balance Benchmark



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

Products : AUM :

Rs. 72.27 Cr

Portfolio % to AUM

`

Minimum Maximum

Debt 84.43% 80% 100% 84.43%

Gilts & SDL 15.09% 0% 20% 15.57%

GOI 13.50%













Th I di H t l C Li it d 2 84%

DEBT

MM & Others

Particulars

Benchmark :



APEX BOND FUND - SEPTEMBER, 2012




Asset Mix


Premium, New Prabhat Tara, Dhan Suraksha 3 &

Dhan Suraksha Premium 3, Prabhat Tara 3.

Debt84.43%

MM & Others15.57%


AA

Debt Rating Profile (% of Debt)The Indian Hotels Company Limited 2.84%


MRF Ltd. 2.19%

L & T Finance Ltd. 2.10%


TATA Sons 1.82%









MM & Others 15.57%

Total 100.00%

`

12.57%

8.41%

7.06%

7.04%

3.77%

3.66%

3.59%

3.55%




Service activities incidental to water transportation

Refinery

Other Fund Base Financial Services

Investment services




7.35%

22.43%

13.97%

39.10%

17.15%


Debt84.43%

MM & Others15.57%


Gilt17.87%

AAA63.41%

AA+18.73%


10.4

10.6

10.8

11.0

11.2

11.4

11.6

11.8

12.0

12.2

12.4

NAV/U

NIT (R

s)


Apex Bond Benchmark

12.57%

8.41%

7.06%

7.04%

3.77%

3.66%

3.59%

3.55%

2.84%

2.23%





Refinery

Other Fund Base Financial Services

Investment services



Auto Finance Services



7.35%

22.43%

13.97%

39.10%

17.15%


Debt84.43%

MM & Others15.57%


Gilt17.87%

AAA63.41%

AA+18.73%


9.8

10.0

10.2

10.4

10.6

10.8

11.0

11.2

11.4

11.6

11.8

12.0

12.2

12.4

Jan‐10

Mar‐10

May‐10

Jul‐10

Sep‐10

Nov‐10

Jan‐11

Mar‐11

May‐11

Jul‐11

Sep‐11

Nov‐11

Jan‐12

Mar‐12

May‐12

Jul‐12

Sep‐12

NAV/U

NIT (R

s)


Apex Bond Benchmark



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

Products : AUM :

Rs. 123.04 Cr

Portfolio % to AUM

`





HDFC Bank Ltd 4.37%



Infosys Ltd 3.80%










ITC Ltd. 2.24%

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


Actual

INDIVIDUAL PENSION FUND APEX EQUITY - SEPTEMBER, 2012

Benchmark :



Equity

For New Dhruv Tara Products

Equity91.96%

MM & Others8.04%









Lupin Limited 1.45%





Cipla Ltd. 1.32%



MM & Others 8.04%

Total 100.00%

`

16.29%

10.59%

8.21%

6.55%

6.16%

5.59%

4.11%

3.75%

Banking Services

Computer software

Refinery







Equity91.96%

MM & Others8.04%


8.5

9.0

9.5

10.0

10.5

11.0

11.5

12.0

12.5

13.0

Jan‐10

Mar‐10

May‐10

Jul‐10

Sep‐10

Nov‐10

Jan‐11

Mar‐11

May‐11

Jul‐11

Sep‐11

Nov‐11

Jan‐12

Mar‐12

May‐12

Jul‐12

Sep‐12

NAV/U

NIT (Rs)


Pen Apex Equity Benchmark

16.29%

10.59%

8.21%

6.55%

6.16%

5.59%

4.11%

3.75%

3.62%

2.99%

Banking Services

Computer software

Refinery









Equity91.96%

MM & Others8.04%


8.5

9.0

9.5

10.0

10.5

11.0

11.5

12.0

12.5

13.0

Jan‐10

Mar‐10

May‐10

Jul‐10

Sep‐10

Nov‐10

Jan‐11

Mar‐11

May‐11

Jul‐11

Sep‐11

Nov‐11

Jan‐12

Mar‐12

May‐12

Jul‐12

Sep‐12

NAV/U

NIT (Rs)


Pen Apex Equity Benchmark



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

Products : AUM :

Rs. 142.59 Cr

Portfolio % to AUM

`




Infosys Ltd 3.46%


HDFC Bank Ltd 3.10%






ITC Ltd. 2.40%








Cipla Ltd. 1.45%

HCL Technologies Ltd 1 44%

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

INDIVIDUAL PENSION FUND APEX GROWTH - SEPTEMBER, 2012

Benchmark :



Equity


Debt28.09%

Equity68.83%

MM & Others3.08%


Gilt18.18%

AA+6.35%









Debt 28.09%

Gilts & SDL 5.10%

GOI 3.96%


Corporate Bonds 22.98%Power Finance Corporation Limited 3.73%









MM & Others 3.08%

Total 100.00%

`

10.94%

9.17%

8.25%

6.36%

6.32%

6.10%

5.44%

3 64%

Banking Services

Computer software




Refinery


Cosmetics, toiletries, soaps &



10.54%

38.40%

11.66%

33.68%

5.72%


Debt28.09%

Equity68.83%

MM & Others3.08%


Gilt18.18%

AAA75.47%

AA+6.35%


9.5

10.0

10.5

11.0

11.5

12.0

NAV/U

NIT (Rs)


Pen Apex Growth Benchmark

10.94%

9.17%

8.25%

6.36%

6.32%

6.10%

5.44%

3.64%

3.39%

3.04%

Banking Services

Computer software




Refinery







10.54%

38.40%

11.66%

33.68%

5.72%


Debt28.09%

Equity68.83%

MM & Others3.08%


Gilt18.18%

AAA75.47%

AA+6.35%


9.0

9.5

10.0

10.5

11.0

11.5

12.0

Jan‐10

Mar‐10

May‐10

Jul‐10

Sep‐10

Nov‐10

Jan‐11

Mar‐11

May‐11

Jul‐11

Sep‐11

Nov‐11

Jan‐12

Mar‐12

May‐12

Jul‐12

Sep‐12

NAV/U

NIT (Rs)


Pen Apex Growth Benchmark



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

Products : AUM :

Rs. 64.24 Cr

Portfolio % to AUM

`


Mahindra & Mahindra Ltd. 3.53% 35% 65% 46.53%


HDFC Bank Ltd 3.18%

Larsen & Toubro Limited 2.85%Infosys Ltd 2.79%Hindustan Unilever Limited 2.04%




Grasim Industries Ltd. 1.63%Tata Consultancy Services Limited 1.57%

Tata Steel Limited 1.39%Aditya Birla Nuvo Limited 1.36%Cipla Ltd. 1.18%NTPC Limited 1.15%ICICI Bank Ltd 1.07%Axis Bank Limited 1.06%Power Grid Corporation of India Limited 1.03%IndusInd Bank Limited 1.02%


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

INDIVIDUAL PENSION FUND APEX BALANCED - SEPTEMBER, 2012

Benchmark :



Equity


Debt46.89%

Equity46.53%

MM & Others6.59%


AA+

Debt Rating Profile (% of Debt)Others (with 1% exposure) 11.05%

Debt 46.89%

Gilts & SDL 10.60%

GOI 7.05%

State Government ‐ Tamil Nadu 1.56%


SDL ‐ Other States (with < 1% exposure) 0.49%











TATA Sons 1.58%


MM & Others 6.59%

Total 100.00%

`

9.40%

8.11%

7.25%

6.86%

6.71%

5.89%

4.22%

3.98%


Banking Services

Refinery


Computer software



Diversified



18.15%

24.25%

11.93%

43.31%

2.35%


Debt46.89%

Equity46.53%

MM & Others6.59%


Gilt22.61%

AAA69.48%

AA+7.91%


9.5

10.0

10.5

11.0

11.5

NAV/U

NIT (R

s)


Pen Apex Bal Benchmark

9.40%

8.11%

7.25%

6.86%

6.71%

5.89%

4.22%

3.98%

3.55%

3.53%


Banking Services

Refinery


Computer software



Diversified





18.15%

24.25%

11.93%

43.31%

2.35%


Debt46.89%

Equity46.53%

MM & Others6.59%


Gilt22.61%

AAA69.48%

AA+7.91%


9.0

9.5

10.0

10.5

11.0

11.5

Jan‐10

Mar‐10

May‐10

Jul‐10

Sep‐10

Nov‐10

Jan‐11

Mar‐11

May‐11

Jul‐11

Sep‐11

Nov‐11

Jan‐12

Mar‐12

May‐12

Jul‐12

Sep‐12

NAV/U

NIT (R

s)


Pen Apex Bal Benchmark



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

Products : AUM :

For New Dhruv Tara Products Rs. 23.16 Cr

Portfolio % to AUM

`


Gilts & SDL 23.89% 80% 100% 86.14%

GOI 15.84% 0% 20% 13.86%


State Govt ‐ Maharashtra 3.07%










IDFC 3.88%


TATA Sons 2.62%

MM & Others



Asset Mix


Actual

INDIVIDUAL PENSION FUND APEX BOND -SEPTEMBER, 2012

Benchmark :



DEBT

Debt86.14%

MM & Others13.86%


AA+11 79%


MRF Ltd. 2.28%








ACC Limited 1.29%



MM & Others 13.86%

Total 100.00%

`

14.25%

7.76%

7.65%

5.20%

5.14%

4.68%

4.43%

2.62%




Refinery




Securities investment services



11.48%

27.58%

11.05%

35.28%

14.61%


Debt86.14%

MM & Others13.86%


Gilt27.73%

AAA60.48%

AA+11.79%


10.3

10.8

11.3

11.8

12.3

NAV/U

NIT (Rs)


Pen Apex Bond Benchmark

14.25%

7.76%

7.65%

5.20%

5.14%

4.68%

4.43%

2.62%

2.28%

1.77%




Refinery




Securities investment services

Tyres and Tubes




11.48%

27.58%

11.05%

35.28%

14.61%


Debt86.14%

MM & Others13.86%


Gilt27.73%

AAA60.48%

AA+11.79%


9.8

10.3

10.8

11.3

11.8

12.3

Jan‐10

Mar‐10

May‐10

Jul‐10

Sep‐10

Nov‐10

Jan‐11

Mar‐11

May‐11

Jul‐11

Sep‐11

Nov‐11

Jan‐12

Mar‐12

May‐12

Jul‐12

Sep‐12

NAV/U

NIT (Rs)


Pen Apex Bond Benchmark



April 29, 2011 ULIF 017 29/04/11 SUD‐LX‐BL1 142

Products : AUM :

For Dhan Suraksha Express Rs. 29.85 Cr

Portfolio % to AUM

`



HDFC Bank Ltd 1.90% 40% 100% 71.73%



ACC Limited 1.38%Reliance Industries Ltd 1.37%Infosys Ltd 1.33%





Debt 52.81%

Gilts & SDL 5.99%

GOI 5.99%



Power Grid Corporation of India Limited 5 82%

Equity

Debt, MM & Others

EXPRESS BALANCED FUND - SEPTEMBER, 2012

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

Benchmark :




Actual

Debt52.81%

Equity28.27%

MM & Others18.92%


Gilt11.34%AA+

20.07%









LIC Housing Finance Ltd 2.38%Larsen & Toubro Limited 2.00%MRF Ltd. 1.77%Tata Capital Financial Services Ltd 1.70%L & T Finance Ltd. 1.70%Aditya Birla Nuvo Limited 1.33%


MM & Others 18.92%

Total 100.00%

`

8.50%

7.57%

7.20%

6.22%

5.40%

4.72%

4.09%

4.06%





Banking Services






6.96%9.63%

20.66%

46.18%

16.57%


Debt52.81%

Equity28.27%

MM & Others18.92%


Gilt11.34%

AAA68.59%

AA+20.07%


10.0

10.2

10.4

10.6

10.8

11.0

11.2

NAV/U

NIT (R

s)


Exp Bal Benchmark

8.50%

7.57%

7.20%

6.22%

5.40%

4.72%

4.09%

4.06%

3.64%

3.47%





Banking Services





Computer software



6.96%9.63%

20.66%

46.18%

16.57%


Debt52.81%

Equity28.27%

MM & Others18.92%


Gilt11.34%

AAA68.59%

AA+20.07%


9.6

9.8

10.0

10.2

10.4

10.6

10.8

11.0

11.2

NAV/U

NIT (R

s)


Exp Bal Benchmark



June 03, 2011 ULIF 018 03/06/11 SUD‐UL‐DP1 142

Products : AUM :

For all Unit Linked products Rs. 47.5 Cr

Portfolio % to AUM

`

Minimum Maximum

MM & Others 100.00%MM & Others 0% 100% 100.00%


Actual

DISCONTINUED POLICIES FUND - SEPTEMBER, 2012

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

rate of return. (Presently it is saving bank interest rate of SBI)

Benchmark :

Asset Mix


MM & Others100.00%


10.18

10.28

10.38

10.48

10.58

10.68

10.78

10.88

NAV/U

NIT (Rs)

NAV Performance (Since Nov 01, 2011)

Discontinued Fund Benchmark

MM & Others100.00%


9.98

10.08

10.18

10.28

10.38

10.48

10.58

10.68

10.78

10.88

Nov‐11

Dec‐11

Jan‐12

Feb‐12

Mar‐12

Apr‐12

May‐12

Jun‐12

Jul‐12

Aug‐12

Sep‐12

NAV/U

NIT (Rs)

NAV Performance (Since Nov 01, 2011)

Discontinued Fund 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.

S&P 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") or S&P and its affiliates.

“S&P®” and “Standard and Poor’s®” are trademarks of Standard & Poor’s Financial Services LLC, and have been licensed for use by India Index Services & Products Limited in connection with the S&P CNX Nifty Index.

Neither IISL nor S&P 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 S&P CNX Nifty Index or particularly in the ability of the said Index to track general stock market performance in India”.

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