my cover Updated - SUD Life Fact Sheet Januray 2013.… · November’ 2012 7.24 December’ 2012 7.18 Review of Monetary Policy (29th January): In the third quarter review of Monetary

Fact Sheet

January – 2013

InveSTAR

Global Economic Scenario: World Bank has revised Global economic growth forecast for the CY 2013 downwards to 2.4% from 3%. Meanwhile economies of US, Germany and UK have contracted during Q4 (ending Dec.’12) by 0.1%, 0.5% and 0.3% QoQ respectively, while China recorded acceleration in growth to 7.9% YoY as compared to 7.4% in Q3. Economic conditions in Euro area are relatively steady, while some political risks are emerging in Spain and Italy. Fiscal cliff problems in US (relating to debt ceiling and spending cut) have been resolved at least for the next two months. With improving perception of Chinese growth, Copper and Crude oil prices moved up. Buoyancy in prices of crude oil is also partly due to geo-political tensions building up in Middle East.

International Commodities Prices Month Ended Dec. Jan Change %Gold (US$ / ounce) 1,675.4 1663.7 -0.69%Silver (US$ / ounce) 30.3 31.46 3.67%

Copper (US$ / T) 7,907 8128.25 2.79%

Aluminum (US$ / T) 2,073 2054.25 -0.90%Brent Crude (US$ / bbl)

111.1 115.55 3.99%

Indian Economy:

Index of Industrial Production (IIP)

IIP contracted modestly in Nov., after a pre-festival boost in Oct. Continuing contraction of Cap. Goods (by 7.7%) & modest expansion of Consumer Goods (by 1%) indicate weakness in Industrial growth. The trend, however, suggests gradual improvement.

Reform Initiatives by GOI

The Government continued with reform initiatives and steps towards fiscal consolidation: Divestment of stake in Oil India Ltd. & NTPC to

garner about Rs. 14,600 crore in addition to about Rs. 7,000 already raised.

Partial decontrol of diesel prices by empowering Oil Companies effect small hikes in diesel prices and market driven prices for bulk commercial use.

Cut in Spectrum prices to attract bidders. Hike in import duty on gold to curb demand to

address Current Account Deficit. Announcement of cut in expenditure of ministries to

contain fiscal deficit.

Revision in GDP Growth Rates

GDP growth for FY’12 has been revised from 6.5% to 6.2% and for FY’11 to 9.3% from 8.4 %.

Foreign Institutional Flows in Equity Market

FII flows during January’ 13 continued to be strong at Rs.22,059 cr. vs. Rs.25,088 cr. in December’12.

Foreign Trade

In December, exports continued to contract (by 1.9% yoy) whereas imports increased (by 6.3%), driven mainly by Oil imports (23.6% jump). This resulted in increase in trade for April to December in FY’13 to US$147.2 bn. from US$137.3 bn. during the corresponding period in the previous year. High trade deficits are mainly accountable for increasing Current Account Deficit (CAD).

MONTHLY REPORT – January ‘2013

ECONOMY AND FINANCIAL MARKETS

INR vs.US$

After depreciation in December, INR sharply appreciated by 3.2% to 53.2 vs 55.0 as at the Dec. end.

Inflation

WPI Inflation moderated further in December to 3 year low. The drop was driven mainly by Manufactured Products despite increase in inflation of Food Articles. Core inflation, which continues well within RBI’s comfort zone, has further dropped to 4.2% from 4.5% in Nov’ 12. For the month of Oct. inflation was revised downwards. CPI has however increased to double digit.

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

November’ 2012 7.24

December’ 2012 7.18 Review of Monetary Policy (29th January):

In the third quarter review of Monetary Policy (on 29th January), RBI reduced policy rate and CRR by 25 bps each. RBI while acknowledging slowdown in economic growth, expressed concerns over sticky inflation. RBI also expressed concerns on high CAD and cautioned about fallout of possible financial instability in western economies.

Debt Markets:

Tight liquidity in money markets though eased as compared to December’12 (to around Rs.70,000 to 80,000 cr.), remained above comfort zone of RBI. Call money rate closed above 8%, but tapered in early Feb. In anticipation of aggressive policy easing, bond yields dropped sharply but the trend was arrested after the Monetary Policy announcement, indicating limited scope for further policy easing. During January’13, 10 yr. benchmark G-sec. yield dropped to close at 7.91 as compared to 8.05% as at the end of December’ 2.

Outlook

10 year Benchmark G-sec Yield is expected to be range bound till the next Policy Review in March and the direction thereafter will depend on RBI actions and the policy stance. However, over medium term, interest rate trend appears to be heading downwards.

Stock Markets: Indices

Sensex Nifty

Close as on 31.12.12 19,427 5,905Close as on 31.01.13 19,895 6,035Change% 2.4% 2.2%

On the back of strong FII flows, Sensex and Nifty moved up but assumed somewhat a downward trend towards the end of the month. The rally in January was narrow, concentrated in Oil & Gas, IT and Reality sectors, while other sectors underperformed the Benchmark indices. Sectoral Indices

Index Nos. % variati

on Jan-13 Dec-12

IT 6,394 5,684 12.5%

Oil & Gas 9,359 8,519 9.9%

Realty 2,239 2,111 6.1%

Bankex 14,580 14,345 1.6%

FMCG 5,922 5,916 0.1%

Healthcare 8,017 8,132 -1.4%

Cons. Durables 7,582 7,719 -1.8%

Power 1,951 1,991 -2.0%

Cap. Goods 10,496 10,868 -3.4%

Auto 10,994 11,426 -3.8%

Metal 10,606 11,071 -4.2% Outlook After touching recent highs, markets are likely to be in corrective mode. However, at about 14.25X to FY14 estimated earnings, indices are trading below long-term average offering value. Key triggers going forward which may influence the direction of the market are: Union Budget in Feb. end; Mid Quarter review of Monetary Policy in Mid March; Govt. actions viz. Disinvestments; Spectrum Auction, Other Reforms.

Performance Summary as on January 31, 2013

InveSTAR

6 Months 1 Year 2 Year 3 YearSince

Inception

SFIN

Balanced Fund

ULIF 001 18/02/09 SUD‐LI‐BL1 142

Equity Fund

18/02/2009 65.15 8.23%15.58

Scheme Name

NAV Returns

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

Absolute CAGR

11.44% 7.37% 12.21%6.66%

InveSTAR

Equity Fund

ULIF 002 25/02/09 SUD‐LI‐EQ1 142

Growth Fund *

ULIF 003 25/02/09 SUD‐LI‐GR1 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

I di id l P i F d B l d

16.49%

14.42%86.40 16.61

31/03/2009 80.75 17.86

25/02/2009 25.49 12.88 5.53%

Individual

Life @

Pension Life

@@

25/02/2009

31/03/2009

25/02/2009 110.82 21.24

141.33 19.76

6.15%

6.84%

13.37% 14.88% 3.91% 21.29%

11.27% 14.02% 5.72% 19.10%

7.03%9.92%

11.28% 14.41% 5.55%

7.23%

6.04%

6.38%

8.81%

12.68% 14.82% 3.84%

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

20/01/2010 11.81 11.30% 13.76% 5.46%471.93

6.80%304.1320/01/2010

8.66% 6.92%

5.35%

6.03%

9.86%

6.78%

7.10%12.09

31/03/2009 13.93 12.81 5.20%

467.2120/01/2010 11.58 12.93% 14.92% 4.13%

14.79 8.14%

9.61%

31/03/2009 53.42@@

Individual

Apex $ 12.74% 6.64%

11.55% 7.17% 6.85%

7.23%

6.29%

11.06%

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

66.98

25.2620/01/2010 12.28 5.64% 9.98% 7.27%

11.85 9.65% 13.45%

9.32% 7.77%

16.10% 4.39% 5.13%129.89 5.94%

95.97

5.26%

6.12%

7.40%

6.69%

13.35%

149.48 11.56

8.89%

6.14%11.51% 14.33% 5.67%

6.79%

7.64%12.41 6.01% 10.80%

20/01/2010 11.55

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 2399.82

@ For Dhan Suraksha, Dhan Suraksha Premium, Prabhat Tara Products@@ 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

8.46%NA

NA 8.33%

03/06/2011 78.53 11.00 4.18% 8.58% NA

12.58% NAIndividual

Life *29/04/2011 33.16 11.39 8.99%

InveSTAR

Dhan Suraksha 3, Dhan Suraksha Premium 3 Products, Prabhat Tara 3 Products.$$ For New Dhruv Tara Products* For Dhan Suraksha Express

InveSTAR InveSTAR

Investment Objective :

Date of Inception : SFIN No.

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

Products : AUM :

Rs. 65.15 Cr

% to AUM

`

Equity 29.81% Minimum Maximum

Infosys Ltd 3.43% 0% 60% 29.81%

Reliance Industries Ltd 2.89% 40% 100% 70.19%

ITC Ltd. 2.07%

Larsen & Toubro Limited 1.99%

State Bank of India 1.86%

NTPC Limited 1.45%

Dr. Reddys Laboratories Ltd. 1.44%

Bajaj Auto Limited 1.40%

Mahindra & Mahindra Ltd. 1.11%

ICICI Bank Ltd 1.10%

Tata Steel Limited 1.09%

Aditya Birla Nuvo Limited 1.05%

Housing Development Finance Corporation Ltd. 1.02%

Others (with < 1% exposure) 7.90%

Debt 61.69%

Gilts & SDL 7.08%

GOI 6.16%

SDL (with < 1% exposure) 0.92%

Corporate Bonds 54 61%

BALANCED FUND - JANUARY, 2013

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.

Investment PatternActual

Asset Mix

Particulars

For Dhan Suraksha, Dhan Suraksha Premium, Prabhat

Tara.

Equity

Debt, MM & Others

Benchmark :

S & P CNX Nifty ‐ 30%

CRISIL Composite Bond Index ‐ 70%

Debt61.69%

Equity29.81%

MM & Others8.51%

Asset Allocation (% to AUM)

Gilt11.47%

AA

AA+11.58%

Debt Rating Profile (% of Debt)

Corporate Bonds 54.61%

LIC Housing Finance Ltd 4.93%Housing Development Finance Corporation Ltd. 4.72%Power Finance Corporation Limited 4.67%Rural Electrification Corporation Limited 4.04%


The Great Eastern Shipping Co. Limited 3.20%

Steel Authority of India Ltd. 3.04%

Indian Oil Corporation Ltd 2.62%

Reliance Gas Transportation Infrastructure Limited 2.50%

The Indian Hotels Company Limited 2.36%

Dr. Reddy's Laboratories Ltd. 2.33%

Tech Mahindra Limited 1.87%

Reliance Capital Limited 1.71%

Tata Communications Limited 1.70%

National Housing Bank 1.68%

Raymond Ltd. 1.58%

Indian Railway Financial Corporation Ltd. 1.57%

Reliance Ports & Terminals Ltd. 1.50%

Power Grid Corporation of India Limited 1.37%


MM & Others 8.51%

Total 100.00%

`

12.19%

11.34%

6.25%

6.06%

5.24%

4.59%

4.14%

Infrastructure finance services

Housing Finance Services

Refinery

Computer software

Industrial Construction

Drugs & pharmaceuticals

Steel

Top 10 Industry Exposure ( % to AUM)

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

24.53%

30.93%

14.94%

25.45%

4.15%

Debt Maturity Profile (% of Debt)

Debt61.69%

Equity29.81%

MM & Others8.51%


Gilt11.47%

AAA74.37%

AA2.57%

AA+11.58%


11

12

13

14

15

16

NAV/U

NIT (Rs)

NAV Performance (Since Inception)

Balance Fund Benchmark

12.19%

11.34%

6.25%

6.06%

5.24%

4.59%

4.14%

4.11%

3.20%

2.64%



Refinery

Computer software



Steel

Banking Services

Shipping transport services

LNG storage & distribution



24.53%

30.93%

14.94%

25.45%

4.15%

Debt Maturity Profile (% of Debt)

Debt61.69%

Equity29.81%

MM & Others8.51%


Gilt11.47%

AAA74.37%

AA2.57%

AA+11.58%


9

10

11

12

13

14

15

16

Feb‐09

Apr‐09

May‐09

Jul‐09

Aug‐09

Oct‐09

Nov‐09

Dec‐09

Feb‐10

Mar‐10

May‐10

Jun‐10

Aug‐10

Sep‐10

Nov‐10

Dec‐10

Feb‐11

Mar‐11

May‐11

Jun‐11

Aug‐11

Sep‐11

Nov‐11

Dec‐11

Feb‐12

Mar‐12

May‐12

Jun‐12

Aug‐12

Sep‐12

Oct‐12

Dec‐12

Jan‐13

NAV/U

NIT (Rs)


Balance Fund Benchmark

Investment Objective:


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

Products : AUM:

Rs. 110.82 Cr

Portfolio % to AUM

`



Larsen & Toubro Limited 6.88% 0% 20% 5.82%

Infosys Ltd 5.32%



HDFC Bank Ltd 3.99%

Tata Consultancy Services Limited 3.57%


Bharti Airtel Limited 3.33%


Cipla Ltd. 2.94%

Axis Bank Limited 2.89%

Coal India Limited 2.71%


ITC Ltd. 2.57%

Tata Motors Limited 2.28%

Grasim Industries Ltd. 2.21%

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

equity‐related instruments.


Asset Mix

Particulars

Equity

MM & Others

EQUITY FUND - JANUARY, 2013

Benchmark :



Tara.

CRISIL Liquid Fund Index ‐ 10%

Equity94.18%

MM & Others5.82%


Hindustan Unilever Limited 2.20%

Hindalco Industries Ltd. 1.93%



HCL Technologies Ltd 1.73%

Godrej Consumer Products Limited 1.60%

Oil & Natural Gas Corpn Ltd 1.59%

Sterlite Industries ( India ) Limited 1.54%

Tata Steel Limited 1.43%NTPC Limited 1.42%Sun Pharmaceuticals Industries Ltd 1.28%Dr. Reddys Laboratories Ltd. 1.23%Ambuja Cements Ltd 1.16%Cairn India Limited 1.05%Lupin Limited 1.02%Others (with < 1% exposure) 8.25%

MM & Others 5.82%

Total 100.00%

`

17.22%

12.21%

7.88%

6.88%

6.48%

3.83%

3.80%

3.48%

Banking Services

Computer software

Refinery




Cosmetics, toiletries, soaps & detergents

Copper & copper products

Top 10 Industry Exposure (% to AUM)

Equity94.18%

MM & Others5.82%


9

11

13

15

17

19

21

23

25

Feb‐09

Apr‐09

May‐09

Jul‐09

Aug‐09

Sep‐09

Nov‐09

Dec‐09

Jan‐10

Mar‐10

Apr‐10

Jun‐10

Jul‐10

Aug‐10

Oct‐10

Nov‐10

Dec‐10

Feb‐11

Mar‐11

May‐11

Jun‐11

Jul‐11

Sep‐11

Oct‐11

Nov‐11

Jan‐12

Feb‐12

Apr‐12

May‐12

Jun‐12

Aug‐12

Sep‐12

Oct‐12

Dec‐12

Jan‐13

NAV/U

NIT (Rs)


Equity Fund Benchmark

17.22%

12.21%

7.88%

6.88%

6.48%

3.83%

3.80%

3.48%

3.33%

2.95%

Banking Services

Computer software

Refinery






Telecommunication services

Passenger cars & multi utility vehicles

Top 10 Industry Exposure (% to AUM)

Equity94.18%

MM & Others5.82%


9

11

13

15

17

19

21

23

25

Feb‐09

Apr‐09

May‐09

Jul‐09

Aug‐09

Sep‐09

Nov‐09

Dec‐09

Jan‐10

Mar‐10

Apr‐10

Jun‐10

Jul‐10

Aug‐10

Oct‐10

Nov‐10

Dec‐10

Feb‐11

Mar‐11

May‐11

Jun‐11

Jul‐11

Sep‐11

Oct‐11

Nov‐11

Jan‐12

Feb‐12

Apr‐12

May‐12

Jun‐12

Aug‐12

Sep‐12

Oct‐12

Dec‐12

Jan‐13

NAV/U

NIT (Rs)


Equity Fund Benchmark



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

Products : AUM:

Rs. 141.33 Cr

Portfolio % to AUM

`




Infosys Ltd 3.97%










HDFC Bank Ltd 2.13%

ITC Ltd. 1.96%




IndusInd Bank Limited 1.71%


Sun Pharmaceuticals Industries Ltd 1.38%


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 - JANUARY, 2013

Benchmark :




Tara & Dhan Suraksha Express.

Debt22.50%

Equity70.59%

MM & Others6.91%


Gilt4.18%

AA+17.71%




Hindustan Petroleum Corporation Ltd. 1.26%



Lupin Limited 1.06%



Cipla Ltd. 1.02%


Debt 22.50%

Gilts & SDL 0.94%

GOI 0.94%


LIC Housing Finance Ltd 2.35%


Power Finance Corporation Limited 1.91%




Tata Capital Financial Services Ltd 1.44%



MM & Others 6.91%

Total 100.00%

`

12.68%

11.01%

7.15%

6.14%

5.24%

4.53%

Banking Services

Computer software

Refinery






22.74%

25.32%

16.97%

34.06%

0.91%

Debt Maturity Profile ( % of Debt)

Debt22.50%

Equity70.59%

MM & Others6.91%


Gilt4.18%

AAA77.48%

AA0.64%

AA+17.71%


12

13

14

15

16

17

18

19

20

NAV/U

NIT (R

s)


Growth Fund Benchmark

12.68%

11.01%

7.15%

6.14%

5.24%

4.53%

4.01%

3.57%

3.38%

3.20%

Banking Services

Computer software

Refinery




Other Financial Services


Steel




22.74%

25.32%

16.97%

34.06%

0.91%


Debt22.50%

Equity70.59%

MM & Others6.91%


Gilt4.18%

AAA77.48%

AA0.64%

AA+17.71%


9

10

11

12

13

14

15

16

17

18

19

20

Feb‐09

Apr‐09

May‐09

Jul‐09

Aug‐09

Sep‐09

Nov‐09

Dec‐09

Jan‐10

Mar‐10

Apr‐10

Jun‐10

Jul‐10

Aug‐10

Oct‐10

Nov‐10

Dec‐10

Feb‐11

Mar‐11

May‐11

Jun‐11

Jul‐11

Sep‐11

Oct‐11

Nov‐11

Jan‐12

Feb‐12

Apr‐12

May‐12

Jun‐12

Aug‐12

Sep‐12

Oct‐12

Dec‐ 12

Jan‐13

NAV/U

NIT (R

s)


Growth Fund Benchmark



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

Products : AUM :

Rs. 25.49 Cr

Portfolio % to AUM

`

Debt 92.84% Minimum Maximum

Gilts & SDL 20.17% 80% 100% 92.84%

GOI 18.44% 0% 20% 7.16%

SDL ‐ Gujarat 1.16%








United Phosphorus Limited 4.14%






BOND FUND - JANUARY, 2013

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.

Debt

MM & Others



Benchmark :

Debt92.84%

MM & Others7.16%


Gilt21 73%

AA+15 20%

Debt Rating Profile (% of Debt)y

MRF Ltd. 2.89%

Rural Electrification Corporation Limited 2.82%

Reliance Industries Ltd 2.80%


National Bank For Agriculture And Rural Development 2.01%

Tata Capital Financial Services Ltd 1.99%


TATA Sons 1.60%




MM & Others 7.16%

Total 100.00%

`

13.22%

11.10%

6.53%

4.85%

4.82%

4.44%

4.37%

4.14%

3 50%





Refinery

Electricity distribution


Pesticides

Steel



16.89%

23.46%

10.43%

43.75%

5.47%


Debt92.84%

MM & Others7.16%


Gilt21.73%

AAA62.64%

AA0.43%

AA+15.20%


10

11

12

13

14

NAV/U

NIT (R

s)


Bond Fund Benchmark

13.22%

11.10%

6.53%

4.85%

4.82%

4.44%

4.37%

4.14%

3.50%

3.13%





Refinery



Pesticides

Steel

Diversified



16.89%

23.46%

10.43%

43.75%

5.47%


Debt92.84%

MM & Others7.16%


Gilt21.73%

AAA62.64%

AA0.43%

AA+15.20%


9

10

11

12

13

14

Feb‐09

Apr‐09

May‐09

Jul‐09

Aug‐09

Sep‐09

Nov‐09

Dec‐09

Jan‐10

Mar‐10

Apr‐10

Jun‐10

Jul‐10

Aug‐10

Oct‐10

Nov‐10

Dec‐10

Feb‐11

Mar‐11

May‐11

Jun‐11

Jul‐11

Sep‐11

Oct‐11

Nov‐11

Jan‐12

Feb‐12

Apr‐12

May‐12

Jun‐12

Aug‐12

Sep‐12

Oct‐12

Dec‐12

Jan‐13

NAV/U

NIT (R

s)


Bond Fund Benchmark



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

Products : AUM :

Rs. 80.75 Cr

Portfolio % to AUM

`








Infosys Ltd 4.08%

HDFC Bank Ltd 3.76%








Godrej Consumer Products Limited 2 58%

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

MM & Others

INDIVIDUAL PENSION FUND EQUITY - JANUARY, 2013

Benchmark :



Equity

For Dhruv Tara Products

MM & Others6.35%








Lupin Limited 1.46%



Wipro Ltd 1.35%


ITC Ltd. 1.03%



MM & Others 6.35%

Total 100.00%

`

18.53%

12.39%

7.64%

7.48%

5.35%

5.04%

4.90%

3 64%

Banking Services

Computer software

Refinery







Equity93.65%

MM & Others6.35%


10

11

12

13

14

15

16

17

18

19

20

21

22

Mar‐09

May‐09

Jun‐09

Aug‐09

Sep‐09

Oct‐09

Dec‐09

Jan‐10

Mar‐10

Apr‐10

May‐10

Jul‐10

Aug‐10

Sep‐10

Nov‐10

Dec‐10

Feb‐11

Mar‐11

Apr‐11

Jun‐11

Jul‐11

Aug‐11

Oct‐11

Nov‐11

Jan‐12

Feb‐12

Mar‐12

May‐12

Jun‐12

Jul‐12

Sep‐12

Oct‐12

Dec‐12

Jan‐13

NAV/U

NIT (Rs)


Pen Equity Benchmark

18.53%

12.39%

7.64%

7.48%

5.35%

5.04%

4.90%

3.64%

3.35%

3.18%

Banking Services

Computer software

Refinery







Diversified


Equity93.65%

MM & Others6.35%


10

11

12

13

14

15

16

17

18

19

20

21

22

Mar‐09

May‐09

Jun‐09

Aug‐09

Sep‐09

Oct‐09

Dec‐09

Jan‐10

Mar‐10

Apr‐10

May‐10

Jul‐10

Aug‐10

Sep‐10

Nov‐10

Dec‐10

Feb‐11

Mar‐11

Apr‐11

Jun‐11

Jul‐11

Aug‐11

Oct‐11

Nov‐11

Jan‐12

Feb‐12

Mar‐12

May‐12

Jun‐12

Jul‐12

Sep‐12

Oct‐12

Dec‐12

Jan‐13

NAV/U

NIT (Rs)


Pen Equity Benchmark



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

Products : AUM :

Rs. 86.4 Cr

Portfolio % to AUM

`








HDFC Bank Ltd 3.25%





Infosys Ltd 2.40%










ITC Ltd. 1.30%


Oil & Natural Gas Corpn Ltd 1 09%

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

INDIVIDUAL PENSION FUND GROWTH - JANUARY, 2013

Benchmark :




Debt25.37%

Equity69.16%

MM & Others5.47%


Gilt5.26%

AA0.93%

AA+9.39%



Wipro Ltd 1.05%

Cairn India Limited 1.01%


Debt 25.37%

Gilts & SDL 1.33%

GOI 1.26%
















MM & Others 5.47%

Total 100.00%

`

14.64%

11.32%

7.98%

6.47%

5.40%

4.80%

4.52%

Banking Services

Computer software

Refinery







12.49%

41.76%

15.13%

26.10%

4.52%


Debt25.37%

Equity69.16%

MM & Others5.47%


Gilt5.26%

AAA84.42%

AA0.93%

AA+9.39%


11

12

13

14

15

16

17

18

19

NAV/U

NIT (Rs)


Pen Growth Benchmark14.64%

11.32%

7.98%

6.47%

5.40%

4.80%

4.52%

4.40%

3.72%

2.71%

Banking Services

Computer software

Refinery





Steel





12.49%

41.76%

15.13%

26.10%

4.52%


Debt25.37%

Equity69.16%

MM & Others5.47%


Gilt5.26%

AAA84.42%

AA0.93%

AA+9.39%


10

11

12

13

14

15

16

17

18

19

Mar‐09

May‐09

Jun‐09

Aug‐09

Sep‐09

Oct‐09

Dec‐09

Jan‐10

Mar‐10

Apr‐10

May‐10

Jul‐10

Aug‐10

Sep‐10

Nov‐10

Dec‐10

Feb‐11

Mar‐11

Apr‐11

Jun‐11

Jul‐11

Aug‐11

Oct‐11

Nov‐11

Jan‐12

Feb‐12

Mar‐12

May‐12

Jun‐12

Jul‐12

Sep‐12

Oct‐12

Dec‐12

Jan‐13

NAV/U

NIT (Rs)


Pen Growth Benchmark



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

Products : AUM :

Rs. 53.42 Cr

Portfolio % to AUM

`


Infosys Ltd 3.71% 0% 60% 28.29%




Mahindra & Mahindra Ltd. 1.83%ICICI Bank Ltd 1.81%


Tata Global Beverages Ltd. 1.40%





Debt 64.66%

Gilts & SDL 8.04%

GOI 4.25%State Government ‐ Tamil Nadu 2.86%SDL (with < 1% exposure) 0.93%


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 - JANUARY, 2013

Benchmark :



Equity


Debt64.66%

Equity28.29%

MM & Others7.05%


Gilt12.43%AA

1 77%

AA+11.30%


Rural Electrification Corporation Limited 6.73%LIC Housing Finance Ltd 4.71%Housing Development Finance Corporation Ltd. 4.66%Indian Oil Corporation Ltd 4.36%










TATA Sons 1.32%







MM & Others 7.05%

Total 100.00%

`

12.76%

11.41%

8.90%

6.37%

5.22%

4.28%

4.27%

4 25%



Refinery

Computer software


Steel

Banking Services

Telecommunication

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

16.05%

29.45%

18.51%

31.43%

4.56%


Debt64.66%

Equity28.29%

MM & Others7.05%


Gilt12.43%

AAA74.51%

AA1.77%

AA+11.30%


11

12

13

14

15

NAV/U

NIT (Rs)


Pen Bal Benchmark

12.76%

11.41%

8.90%

6.37%

5.22%

4.28%

4.27%

4.25%

3.50%

2.88%



Refinery

Computer software


Steel

Banking Services



Hotels & restaurants


16.05%

29.45%

18.51%

31.43%

4.56%


Debt64.66%

Equity28.29%

MM & Others7.05%


Gilt12.43%

AAA74.51%

AA1.77%

AA+11.30%


10

11

12

13

14

15

Mar‐09

May‐09

Jun‐09

Aug‐09

Sep‐09

Oct‐09

Dec‐09

Jan‐10

Mar‐10

Apr‐10

May‐10

Jul‐10

Aug‐10

Sep‐10

Nov‐10

Dec‐10

Feb‐11

Mar‐11

Apr‐11

Jun‐11

Jul‐11

Aug‐11

Oct‐11

Nov‐11

Jan‐12

Feb‐12

Mar‐12

May‐12

Jun‐12

Jul‐12

Sep‐12

Oct‐12

Dec‐12

Jan‐13

NAV/U

NIT (Rs)


Pen Bal Benchmark



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

Products : AUM :

Rs. 13.93 Cr

Portfolio % to AUM

`


Gilts & SDL 19.52% 80% 100% 93.05%

GOI 10.62% 0% 20% 6.95%

State Government ‐ Tamil Nadu 3.65%

SDL ‐ Andhra Pradesh 2.02%


SDL ‐ Kerala 1.39%









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

INDIVIDUAL PENSION FUND BOND - JANUARY, 2013

Benchmark :



Debt


Debt93.05%

MM & Others6.95%


( )y %





MRF Ltd. 3.02%


TATA Sons 2.20%







MM & Others 6.95%

Total 100.00%

`

14.59%

10.09%

8.00%

7.75%

6.43%

6.07%

5.17%

3.68%





Steel

Refinery





11.90%

20.68% 18.96%

40.48%

7.98%


Debt93.05%

MM & Others6.95%


Gilt20.97%

AAA67.17%

AA1.57%

AA+10.29%


10.0

11.0

12.0

13.0

14.0

NAV/U

NIT (Rs)

NAV Performance (Since Inception)Pen Bond Benchmark

14.59%

10.09%

8.00%

7.75%

6.43%

6.07%

5.17%

3.68%

3.02%

2.20%





Steel

Refinery



Tyres and Tubes

Securities investment services



11.90%

20.68% 18.96%

40.48%

7.98%


Debt93.05%

MM & Others6.95%


Gilt20.97%

AAA67.17%

AA1.57%

AA+10.29%


9.0

10.0

11.0

12.0

13.0

14.0

Mar‐09

May‐09

Jun‐09

Aug‐09

Sep‐09

Oct‐09

Dec‐09

Jan‐10

Mar‐10

Apr‐10

May‐10

Jul‐10

Aug‐10

Sep‐10

Nov‐10

Dec‐10

Feb‐11

Mar‐11

Apr‐11

Jun‐11

Jul‐11

Aug‐11

Oct‐11

Nov‐11

Jan‐12

Feb‐12

Mar‐12

May‐12

Jun‐12

Jul‐12

Sep‐12

Oct‐12

Dec‐12

Jan‐13

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. 467.21 Cr

Portfolio % to AUM

`




Infosys Ltd 4.04%

HDFC Bank Ltd 3.94%







ITC Ltd. 2.80%







Equity

MM & Others

Benchmark :



APEX EQUITY FUND - JANUARY, 2013

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.

MM & Others7.75%






Ambuja Cements Ltd 2.14%






Wipro Ltd 1.39%


Lupin Limited 1.24%


Cipla Ltd. 1.15%

ACC Limited 1.14%



MM & Others 7.75%

Total 100.00%

`

15.10%

13.00%

7.30%

5.89%

4.75%

3.54%

3.44%

3.29%

Banking Services

Computer software

Refinery







Equity92.25%

MM & Others7.75%


8.0

9.0

10.0

11.0

12.0

13.0

Jan‐10

Mar‐10

Apr‐10

Jun‐10

Aug‐10

Sep‐10

Nov‐10

Jan‐11

Feb‐11

Apr‐11

Jun‐11

Jul‐11

Sep‐11

Nov‐11

Dec‐11

Feb‐12

Mar‐12

May‐12

Jul‐12

Aug‐12

Oct‐12

Dec‐12

Jan‐13

NAV/U

NIT (Rs)


Apex Equity Benchmark

15.10%

13.00%

7.30%

5.89%

4.75%

3.54%

3.44%

3.29%

3.28%

3.19%

Banking Services

Computer software

Refinery






Cement



Equity92.25%

MM & Others7.75%


8.0

9.0

10.0

11.0

12.0

13.0

Jan‐10

Mar‐10

Apr‐10

Jun‐10

Aug‐10

Sep‐10

Nov‐10

Jan‐11

Feb‐11

Apr‐11

Jun‐11

Jul‐11

Sep‐11

Nov‐11

Dec‐11

Feb‐12

Mar‐12

May‐12

Jul‐12

Aug‐12

Oct‐12

Dec‐12

Jan‐13

NAV/U

NIT (Rs)


Apex Equity Benchmark



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

Products : AUM :

Rs. 471.93 Cr

Portfolio % to AUM

`





Infosys Ltd 3.03%


HDFC Bank Ltd 2.53%











Ambuja Cements Ltd 1.75%



ITC Ltd. 1.60%


Equity

Debt, MM & Others

Benchmark :



APEX GROWTH FUND - JANUARY, 2013

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.

Debt24.41%

Equity70.11%

MM & Others5.48%


Gilt12.34%

AA

AA+17.55%




Lupin Limited 1.31%




Wipro Ltd 1.19%



Debt 24.41%

Gilts & SDL 3.01%

GOI 2.78%







Sundaram Finance Ltd. 1.13%


MM & Others 5.48%

Total 100.00%

`

11.80%

10.16%

6.85%

5.88%

5.15%

4.52%

4.51%

Banking Services

Computer software


Refinery





22.03%

17.18%

7.95%

35.88%

16.96%


Debt24.41%

Equity70.11%

MM & Others5.48%


Gilt12.34%

AAA68.31%

AA1.79%

AA+17.55%


10.0

10.5

11.0

11.5

12.0

NAV/U

NIT (R

s)


Apex Growth Benchmark

11.80%

10.16%

6.85%

5.88%

5.15%

4.52%

4.51%

3.69%

2.81%

2.79%

Banking Services

Computer software


Refinery








22.03%

17.18%

7.95%

35.88%

16.96%


Debt24.41%

Equity70.11%

MM & Others5.48%


Gilt12.34%

AAA68.31%

AA1.79%

AA+17.55%


9.0

9.5

10.0

10.5

11.0

11.5

12.0

Jan‐10

Mar‐10

Apr‐10

Jun‐10

Aug‐10

Sep‐10

Nov‐10

Jan‐11

Feb‐11

Apr‐11

Jun‐11

Jul‐11

Sep‐11

Nov‐11

Dec‐11

Feb‐12

Mar‐12

May‐12

Jul‐12

Aug‐12

Oct‐12

Dec‐12

Jan‐13

NAV/U

NIT (R

s)


Apex Growth Benchmark



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

Products : AUM :

Rs. 304.13 Cr

Portfolio % to AUM

`



Infosys Ltd 2.77% 35% 65% 50.22%


Mahindra & Mahindra Ltd. 2.38%Tech Mahindra Limited 2.01%HDFC Bank Ltd 1.91%






State Bank of India 1.47%Tata Global Beverages Ltd. 1.44%




Lupin Limited 1.22%



ITC Ltd. 1.09%




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 :



For New Dhan Suraksha, New Dhan Suraksha

Premium, New Prabhat Tara, Dhan Suraksha 3 &

Dhan Suraksha Premium 3, Prabhat Tara 3.

APEX BALANCED FUND - JANUARY, 2013


Asset Mix

Particulars

Debt41.90%

Equity49.78%

MM & Others8.33%

Asset Allocation( % to AUM)

Gilt15.44%

AA4.05%

AA+15.04%


Debt 41.90%

Gilts & SDL 6.47%

GOI 3.45%








United Phosphorus Limited 1.74%

Raymond Ltd. 1.70%

Infrastructure Leasing & Financial Services Ltd. 1.58%


UltraTech Cement Limited 1.41%HDB Financial Services LTD 1.35%Sundaram Finance Ltd. 1.23%Steel Authority of India Ltd. 1.20%Hindalco Industries Ltd. 1.18%Larsen & Toubro Limited 1.06%Others (with < 1% exposure) 9.02%

MM & Others 8.33%

Total 100.00%

`

8.41%

7.76%

7.39%

5.26%

4.86%

3.89%

3.72%


Banking Services

Computer software





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

20.40%18.53%

6.96%

45.16%

8.95%


Debt41.90%

Equity49.78%

MM & Others8.33%


Gilt15.44%

AAA65.46%

AA4.05%

AA+15.04%


10

10.5

11

11.5

12

12.5

NAV/U

NIT (R

s)


Apex Balance Benchmark

8.41%

7.76%

7.39%

5.26%

4.86%

3.89%

3.72%

3.55%

2.99%

2.50%


Banking Services

Computer software





Refinery

Cement


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

20.40%18.53%

6.96%

45.16%

8.95%


Debt41.90%

Equity49.78%

MM & Others8.33%


Gilt15.44%

AAA65.46%

AA4.05%

AA+15.04%


9

9.5

10

10.5

11

11.5

12

12.5

Jan‐10

Mar‐10

Apr‐10

Jun‐10

Aug‐10

Sep‐10

Nov‐10

Jan‐11

Feb‐11

Apr‐11

Jun‐11

Jul‐11

Sep‐11

Nov‐11

Dec‐11

Feb‐12

Mar‐12

May‐12

Jul‐12

Aug‐12

Oct‐12

Dec‐12

Jan‐13

NAV/U

NIT (R

s)


Apex Balance Benchmark



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

Products : AUM :

Rs. 95.97 Cr

Portfolio % to AUM

`


Gilts & SDL 20.31% 80% 100% 90.84%

GOI 16.97% 0% 20% 9.16%





National Thermal Power Corporation Limited 7.40%










DEBT

MM & Others

Particulars

Benchmark :



APEX BOND FUND - JANUARY, 2013

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

For New Dhan Suraksha, New Dhan Suraksha Premium,

New Prabhat Tara, Dhan Suraksha 3 & Dhan Suraksha

Premium 3, Prabhat Tara 3.

Debt90.84%

MM & Others9.16%


Gilt22.36%

AA+13 07%





Sundaram Finance Ltd. 1.67%

MRF Ltd. 1.64%

L & T Finance Ltd. 1.57%


TATA Sons 1.37%







MM & Others 9.16%

Total 100.00%

`

9.36%

7.51%

7.40%

6.91%

5.76%

5.33%

2.84%

2.77%



Electricity generation


Steel

Service activities incidental to water transportation

Refinery

Other Fund Base Financial Ser ices



11.64% 12.73%

7.02%

40.49%

28.13%


Debt90.84%

MM & Others9.16%


Gilt22.36%

AAA63.69%

AA0.89%

AA+13.07%


10 4

10.6

10.8

11.0

11.2

11.4

11.6

11.8

12.0

12.2

12.4

12.6

12.8

NAV/U

NIT (R

s)


Apex Bond Benchmark

9.36%

7.51%

7.40%

6.91%

5.76%

5.33%

2.84%

2.77%

2.70%

2.66%



Electricity generation


Steel


Refinery

Other Fund Base Financial Services

Investment services




11.64% 12.73%

7.02%

40.49%

28.13%


Debt90.84%

MM & Others9.16%


Gilt22.36%

AAA63.69%

AA0.89%

AA+13.07%


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

12.6

12.8

Jan‐10

Mar‐10

Apr‐10

Jun‐10

Aug‐10

Sep‐10

Nov‐10

Jan‐11

Feb‐11

Apr‐11

Jun‐11

Jul‐11

Sep‐11

Nov‐11

Dec‐11

Feb‐12

Mar‐12

May‐12

Jul‐12

Aug‐12

Oct‐12

Dec‐12

Jan‐13

NAV/U

NIT (R

s)


Apex Bond Benchmark



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

Products : AUM :

Rs. 129.89 Cr

Portfolio % to AUM

`






HDFC Bank Ltd 4.23%


Infosys Ltd 3.96%










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 - JANUARY, 2013

Benchmark :



Equity

For New Dhruv Tara Products

MM & Others9.02%








Lupin Limited 1.75%

ITC Ltd. 1.56%




Cipla Ltd. 1.34%



MM & Others 9.02%

Total 100.00%

`

17.26%

11.58%

6.88%

6.15%

5.99%

4.91%

4.14%

3.68%

Banking Services

Computer software

Refinery






Passenger cars & multi utility


Equity90.98%

MM & Others9.02%


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

Jun‐10

Aug‐10

Sep‐10

Nov‐10

Jan‐11

Feb‐11

Apr‐11

Jun‐11

Jul‐11

Sep‐11

Nov‐11

Dec‐11

Feb‐12

Mar‐12

May‐12

Jul‐12

Aug‐12

Oct‐12

Dec‐12

Jan‐13

NAV/U

NIT (Rs)


Pen Apex Equity Benchmark

17.26%

11.58%

6.88%

6.15%

5.99%

4.91%

4.14%

3.68%

3.48%

3.22%

Banking Services

Computer software

Refinery







Diversified


Equity90.98%

MM & Others9.02%


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

Jun‐10

Aug‐10

Sep‐10

Nov‐10

Jan‐11

Feb‐11

Apr‐11

Jun‐11

Jul‐11

Sep‐11

Nov‐11

Dec‐11

Feb‐12

Mar‐12

May‐12

Jul‐12

Aug‐12

Oct‐12

Dec‐12

Jan‐13

NAV/U

NIT (Rs)


Pen Apex Equity Benchmark



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

Products : AUM :

Rs. 149.48 Cr

Portfolio % to AUM

`




Infosys Ltd 3.63%



HDFC Bank Ltd 3.02%





ITC Ltd. 2.07%









Cipla Ltd. 1.49%

B j j A t Li it d 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 - JANUARY, 2013

Benchmark :



Equity


Debt26.71%

Equity68.72%

MM & Others4.56%


Gilt18.56%

AA+6.35%








Lupin Limited 1.17%




Debt 26.71%

Gilts & SDL 4.96%

GOI 3.85%











MM & Others 4.56%

Total 100.00%

`

11.44%

10.92%

8.08%

6.47%

6.16%

5.51%

5 04%

Banking Services

Computer software




Refinery




15.85%

32.42%

11.78%

34.07%

5.88%


Debt26.71%

Equity68.72%

MM & Others4.56%


Gilt18.56%

AAA75.09%

AA+6.35%


10.0

10.5

11.0

11.5

12.0

NAV/U

NIT (Rs)


Pen Apex Growth Benchmark11.44%

10.92%

8.08%

6.47%

6.16%

5.51%

5.04%

3.24%

3.12%

2.99%

Banking Services

Computer software




Refinery







15.85%

32.42%

11.78%

34.07%

5.88%


Debt26.71%

Equity68.72%

MM & Others4.56%


Gilt18.56%

AAA75.09%

AA+6.35%


9.0

9.5

10.0

10.5

11.0

11.5

12.0

Jan‐10

Mar‐10

Apr‐10

Jun‐10

Aug‐10

Sep‐10

Nov‐10

Jan‐11

Feb‐11

Apr‐11

Jun‐11

Jul‐11

Sep‐11

Nov‐11

Dec‐11

Feb‐12

Mar‐12

May‐12

Jul‐12

Aug‐12

Oct‐12

Dec‐12

Jan‐13

NAV/U

NIT (Rs)


Pen Apex Growth Benchmark



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

Products : AUM :

Rs. 66.98 Cr

Portfolio % to AUM

`



Mahindra & Mahindra Ltd. 3.48% 35% 65% 52.23%

HDFC Bank Ltd 3.12%

Infosys Ltd 2.94%Larsen & Toubro Limited 2.64%HCL Technologies Ltd 1.96%



Tech Mahindra Limited 1.65%Hindustan Unilever Limited 1.49%Grasim Industries Ltd. 1.41%

Aditya Birla Nuvo Limited 1.65%Lupin Limited 1.60%

Tata Global Beverages Ltd. 1.58%Tata Consultancy Services Limited 1.57%Power Grid Corporation of India Limited 1.35%Axis Bank Limited 1.35%Tata Steel Limited 1.34%Cipla Ltd. 1.21%IndusInd Bank Limited 1.20%ICICI Bank Ltd 1.16%Oil & N t l G C Ltd 1 12%

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 - JANUARY, 2013

Benchmark :



Equity


Debt44.51%

Equity47.77%

MM & Others7.71%


Gilt23.23%

AA+8.01%




Debt 44.51%

Gilts & SDL 10.34%

GOI 6.87%



SDL ‐ Other States (with < 1% exposure) 0.48%











TATA Sons 1.52%


MM & Others 7.71%

Total 100.00%

`

9.05%

8.73%

8.68%

7.60%

6.52%

5.20%

4.18%

4.06%


Computer software

Banking Services

Refinery



Diversified



22.79%

18.42%

12.17%

44.17%

2.45%


Debt44.51%

Equity47.77%

MM & Others7.71%


Gilt23.23%

AAA68.77%

AA+8.01%


9.5

10.0

10.5

11.0

11.5

12.0

12.5

NAV/U

NIT (Rs)


Pen Apex Bal Benchmark

9.05%

8.73%

8.68%

7.60%

6.52%

5.20%

4.18%

4.06%

3.72%

3.48%


Computer software

Banking Services

Refinery



Diversified





22.79%

18.42%

12.17%

44.17%

2.45%


Debt44.51%

Equity47.77%

MM & Others7.71%


Gilt23.23%

AAA68.77%

AA+8.01%


9.0

9.5

10.0

10.5

11.0

11.5

12.0

12.5

Jan‐10

Mar‐10

Apr‐10

Jun‐10

Aug‐10

Sep‐10

Nov‐10

Jan‐11

Feb‐11

Apr‐11

Jun‐11

Jul‐11

Sep‐11

Nov‐11

Dec‐11

Feb‐12

Mar‐12

May‐12

Jul‐12

Aug‐12

Oct‐12

Dec‐12

Jan‐13

NAV/U

NIT (Rs)


Pen Apex Bal Benchmark



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

Products : AUM :

For New Dhruv Tara Products Rs. 25.26 Cr

Portfolio % to AUM

`


Gilts & SDL 22.30% 80% 100% 84.99%

GOI 14.76% 0% 20% 15.01%


State Govt ‐ Maharashtra 2.88%

SDL ‐ Andhra Pradesh 1.02%









Raymond Ltd. 4.09%



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

INDIVIDUAL PENSION FUND APEX BOND -JANUARY, 2013

Benchmark :



DEBT

Debt84.99%

MM & Others15.01%


Gilt26.24%

AA

AA+10.93%


TATA Sons 2.41%

MRF Ltd. 2.08%

National Thermal Power Corporation Limited 2.01%









MM & Others 15.01%

Total 100.00%

`

13.63%

7.12%

7.09%

4.77%

4.76%

4.31%

4.09%

4.05%

2.41%




Refinery



Other Textiles





13.10%

22.91%

9.90%

37.90%

16.20%


Debt84.99%

MM & Others15.01%


Gilt26.24%

AAA58.01%

AA4.81%

AA+10.93%


10.3

10.8

11.3

11.8

12.3

12.8

NAV/U

NIT (Rs)


Pen Apex Bond Benchmark

13.63%

7.12%

7.09%

4.77%

4.76%

4.31%

4.09%

4.05%

2.41%

2.08%




Refinery



Other Textiles



Tyres and Tubes



13.10%

22.91%

9.90%

37.90%

16.20%


Debt84.99%

MM & Others15.01%


Gilt26.24%

AAA58.01%

AA4.81%

AA+10.93%


9.8

10.3

10.8

11.3

11.8

12.3

12.8

Jan‐10

Mar‐10

Apr‐10

Jun‐10

Aug‐10

Sep‐10

Nov‐10

Jan‐11

Feb‐11

Apr‐11

Jun‐11

Jul‐11

Sep‐11

Nov‐11

Dec‐11

Feb‐12

Mar‐12

May‐12

Jul‐12

Aug‐12

Oct‐12

Dec‐12

Jan‐13

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. 33.16 Cr

Portfolio % to AUM

`




HDFC Bank Ltd 1.75%


HCL Technologies Ltd 1.53%ACC Limited 1.52%Infosys Ltd 1.32%






Debt 60.98%

Gilts & SDL 10.12%

GOI 7.05%




The Great Eastern Shipping Co Limited 6 26%

Equity

Debt, MM & Others

EXPRESS BALANCED FUND - JANUARY, 2013

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

Debt60.98%

Equity28.64%

MM & Others10.37%


Gilt16.59%

AA1 28%

AA+15.63%









LIC Housing Finance Ltd 2.15%Larsen & Toubro Limited 1.82%MRF Ltd. 1.58%Tata Capital Financial Services Ltd 1.53%National Thermal Power Corporation Limited 1.53%L & T Finance Ltd. 1.52%





MM & Others 10.37%

Total 100.00%

`

6.88%

6.52%

6.26%

5.61%

5.41%

4.43%

4.27%

4.06%

3 63%





Banking Services

Computer software






5.95% 8.27%

13.63%

53.96%

18.19%


Debt60.98%

Equity28.64%

MM & Others10.37%


Gilt16.59%

AAA66.51%

AA1.28%

AA+15.63%


10.1

10.6

11.1

11.6

12.1

NAV/U

NIT (Rs)


Exp Bal Benchmark

6.88%

6.52%

6.26%

5.61%

5.41%

4.43%

4.27%

4.06%

3.63%

3.63%





Banking Services

Computer software







5.95% 8.27%

13.63%

53.96%

18.19%


Debt60.98%

Equity28.64%

MM & Others10.37%


Gilt16.59%

AAA66.51%

AA1.28%

AA+15.63%


9.6

10.1

10.6

11.1

11.6

12.1

Apr‐11

May‐11

Jun‐11

Jul‐11

Aug‐11

Sep‐11

Sep‐11

Oct‐11

Nov‐11

Dec‐11

Jan‐12

Jan‐12

Feb‐12

Mar‐12

Apr‐12

May‐12

Jun‐12

Jun‐12

Jul‐12

Aug‐12

Sep‐12

Oct‐12

Oct‐12

Nov‐12

Dec‐12

Jan‐13

NAV/U

NIT (Rs)


Exp Bal Benchmark



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

Products : AUM :

For all Unit Linked products Rs. 78.53 Cr

Portfolio % to AUM

`

Minimum Maximum

MM & Others 100.00%

DISCONTINUED POLICIES FUND - JANUARY, 2013

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



Actual

MM & Others 0% 100% 100.00%

MM & Others100.00%


10 08

10.18

10.28

10.38

10.48

10.58

10.68

10.78

10.88

10.98

11.08

11.18

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

10.98

11.08

11.18

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

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”.

Documents

my cover Updated - SUD Life Fact Sheet Januray 2013.… · November’ 2012 7.24 December’ 2012 7.18 Review of Monetary Policy (29th January): In the third quarter review of Monetary