investar - sud life sheet_december 2018.pdf · investar trademark used under licence from...

Fact Sheet

December – 2018

InveSTAR

Trademark used under licence from respective owners.

Trademark used under license from respective owners.

MONTHLY REPORT – DECEMBER 2018

From the Desk of Chief Investment Officer…

OVERVIEW OF MARKET

Nifty was flat during the month as concerns of trade tensions and an uncertain domestic

political situation was diffused by falling crude prices and low inflation. Among the

sectors, Infra and Banks outperformed while Pharma, IT and Auto underperformed the

Nifty during the month. FIIs were net buyers to the tune of about Rs 33bn, while

domestic mutual funds bought around Rs 22bn of equity during the month.

The Index of Industrial Production grew by 8.1% in October compared to 4.5% in

September. CPI inflation cooled to 2.3% in November against 3.4% in October. WPI

inflation came in at 4.6% in November as against 5.3% in September.

The Bond market rallied during the month of December 2018. The benchmark 10 year

G-Sec (7.17% GOI 2028) closed 24bp lower at 7.37% against 7.61% last month.

FUND PERFORMANCE

For 3 years period ending December 2018, majority of Equity and Growth funds

delivered annualised returns of around 9-10%. Balanced and Bond funds delivered

about 7-9% annualized returns for the said period. Fund wise performance is detailed

in the following sheets.

FIXED INCOME MARKET OUTLOOK

Lower inflation, further fall in crude and stable currency have helped the fixed income

market to extend its gain during the month of December also. Besides, OMO purchase

of government bonds by RBI aimed at addressing system liquidity deficit has also

helped market sentiment. Going forward also market sentiment is likely to remain

positive on the back of expected lower CPI print. However, volatility owing to the

developments in the global financial market and fiscal expansion by central and state to

address farm sector distress is not ruled out. Moreover, market is also waiting the stance

of the MPC following the change of guard at RBI.

EQUITY MARKET OUTLOOK

Sharp fall in crude oil prices has helped improve investor sentiment in the domestic

market which remained insulated from the global market correction during the month.

On the domestic front, focus will shift towards corporate earnings for the quarter,

management outlook for 2019, provisional budget (although vote on account) and

government’s actions before elections especially balancing the impact on fiscal deficit.

In this backdrop we believe, consumer, capital goods and corporate banks stocks offer

a good means to build a core portfolio; additionally, we are looking at quality businesses

with supportive cash flows and valuations. With some stability in INR and a correction in

input costs & oil prices, we expect improvement in earnings trajectory in the upcoming

quarters. Over medium term, the performance of equity market should remain a function

of strength of economic recovery (which looks good so far), corporate earnings, election

outcomes and global growth. Pick-up in rural consumer spending, green-shoots in capex

and improvement of banks’ balance sheets are the key long-term positives for markets.

Performance Summary as on December 31 2018

Scheme Name

SFIN

NAV BM NAV BM NAV BM NAV BM NAV BM

Apex Equity Fund

ULIF 009 20/01/10 SUD-LA-EQ1 142

Equity Fund

ULIF 002 25/02/09 SUD-LI-EQ1 142

Individual Pension Fund - Apex Equity

ULIF 013 20/01/10 SUD-PA-EQ1 142

Individual Pension Fund - Equity

ULIF 005 31/03/09 SUD-PI-EQ1 142

Apex Growth Fund

ULIF 010 20/01/10 SUD-LA-GR1 142

Growth Fund

ULIF 003 25/02/09 SUD-LI-GR1 142

Individual Pension Fund - Apex Growth

ULIF 014 20/01/10 SUD-PA-GR1 142

Individual Pension Fund - Growth

ULIF 006 31/03/09 SUD-PI-GR1 142

Apex Balanced Fund

ULIF 011 20/01/10 SUD-LA-BL1 142

Balanced Fund

ULIF 001 18/02/09 SUD-LI-BL1 142

Individual Pension Fund - Apex Balanced

ULIF 015 20/01/10 SUD-PA-BL1 142

Individual Pension Fund - Balanced

ULIF 007 31/03/09 SUD-PI-BL1 142

Express Balanced Fund

ULIF 017 29/04/11 SUD-LX-BL1 142

Apex Bond Fund

ULIF 012 20/01/10 SUD-LA-BN1 142

Bond Fund

ULIF 004 25/02/09 SUD-LI-BN1 142

Individual Pension Fund - Apex Bond

ULIF 016 20/01/10 SUD-PA-BN1 142

Individual Pension Fund - Bond

ULIF 008 31/03/09 SUD-PI-BN1 142

Discontinued Policies Fund

ULIF 018 03/06/11 SUD-UL-DP1 142

Bluechip Equity Fund

ULIF 019 11/12/13 SUD-LI-EQ2 142

Growth Plus Fund

ULIF 023 11/12/13 SUD-LI-GR2 142

Balanced Plus Fund

ULIF 024 11/12/13 SUD-LI-BL2 142

Individual Life Income Fund

ULIF 020 11/12/13 SUD-LI-BN2 142

Group Debt Fund

ULGF 003 20/03/15 SUD-GN-BN1 142

Total AUM 2616.06

4.41% 5.59% 6.82% 7.71% 8.29% 8.99%22 29/1/2014 113.12 14.8006 5.33% 5.38% 4.82% 6.17%

Absolute CAGR (Annualised)

18/02/2009 21.35 24.9829 4.08% 4.69%

11.10% 9.38%

7.26% 7.29% 9.71%

25/02/2009 43.82 39.8534 1.43%

25/02/2009 97.13 36.2640 2.57% 3.93%

25/02/2009 9.07 20.1749 6.33% 6.20% 4.98% 7.13% 7.43%5.50% 7.74%

31/03/2009 8.70 24.3857 3.81% 4.52% 7.28%

20/01/2010 309.86 22.0384 1.19% 2.02% 14.35%

3.64% 11.13%

3.66%

2.32% 13.73%

14.42%

12.28%

10.67%

10.19%

31/03/2009 17.82 33.7604 1.61%

2.75%

2.70% 13.79% 10.50%

12.28% 10.19%

4.15% 12.28%21.9298 1.80% 3.07% 11.34% 10.07%

14.42%

9.56%

31/03/2009 3.43 20.0410 6.60% 6.88% 5.01% 7.04% 7.38%

8.33%

5.50%

8.92%8.16%

13.28%

31/03/2009 16.60 28.8103 2.46%

20/01/2010 309.85 9.17%

20/01/2010 251.72 21.4351 2.88% 3.60%3.62% 9.50% 9.34%

8.82% 11.45%

13.90%

6.11% 5.95% 5.17% 7.81%

4.73%

6.08%

10.32%

5.50% 7.50%

8.33%

6.41% 7.34%7.50%5.18% 6.80%

9.23% 9.12% 8.63%

4.80% 7.19% 7.49%

4.62% 7.28% 7.80% 8.49%

4.73%

6.08%

5.25%4.46%

10.32%

5.50%

8.33%

9.59%4.44%

6.08%

1 Year

03/06/2011 354.81 16.6223 4.52% 6.23% 5.64%

29/04/2011 45.31 18.7035 3.87%

20/01/2010 13.85 20.9828 3.16%

20/01/2010 4.14 19.0857 5.65%

6 Month

5.25%

3.66%

4.15%

3.66%

4.15%

1.55% 3.28% 14.70%

2.52% 4.46% 11.65%

3.66%

4.15%

8.57%

8.60%

8.53%

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

10.07%

14.30%10.59% 15.02%

9.23%

8.92%

10.67%

10.19%

8.89%

9.23%10.68%

14.42%

8.92%

10.67%

10.03%

14.42%

12.28%

10.97%

8.12%

Inception dateAUM (Rs.

Cr)NAV (Rs.)

4.46%

1.67%

2.75%

5.47%

1.67%

2.75%

4.46%

5.47%

1.67%

5.47%

1.67%

2.75%

3.62%

5.47%

13.04%

7.62%

13.49%

12.43%

9.89%

7.67%

14

15

16

7.89%

8.57%

8.60%

8.53%

7.89%

8.71%

6.08%

5.25%

5.57%

20/01/2010 29.12 22.0339

20/01/2010 32.04 21.4914

20/01/2010 103.07 19.5950

17

18

7.74%

8.92%

7.63%

7.74%

10.67%

10.19%

9.59%

7.74%

1

2

3

4

5

6

7

8

9

10

11

12

13

10.51% 11.37% 11.79%

20 29/1/2014 279.65 16.6525 2.09% 2.75% 3.55% 4.15% 10.55% 12.28% 9.08% 10.19% 10.91% 11.60%

19 29/1/2014 290.37 16.9937 1.18%

4.46% 5.12% 5.25%

12.26% 14.04% 9.58%1.81% 2.98% 3.91%

6.82% 8.33% 7.65% 8.92% 9.62% 10.33%

23 6/10/2015 9.60 12.5825 6.16% 5.47% 6.44% 6.08% 5.43% 5.50% 7.66% 7.74% 7.35% 7.52%

21 29/1/2014 251.61 15.7179 4.77%

InveSTAR


142L003V01 142L004V01 142L008V01 142L028V01 142L010V01 142L018V01 142L019V01 142L020V01 142L024V01 142L025V01 142L026V01 142L021V01 142L041V01 142L042V01 142L049V01

Fund Name (SFIN)

Apex Equity Fund

ULIF 009 20/01/10 SUD-LA-EQ1 142

Equity Fund

ULIF 002 25/02/09 SUD-LI-EQ1 142

Individual Pension Fund - Apex Equity

ULIF 013 20/01/10 SUD-PA-EQ1 142

Individual Pension Fund - Equity

ULIF 005 31/03/09 SUD-PI-EQ1 142

Bluechip Equity Fund

ULIF 019 11/12/13 SUD-LI-EQ2 142

Apex Growth Fund

ULIF 010 20/01/10 SUD-LA-GR1 142

Growth Fund

ULIF 003 25/02/09 SUD-LI-GR1 142

Individual Pension Fund - Apex Growth

ULIF 014 20/01/10 SUD-PA-GR1 142

Individual Pension Fund - Growth

ULIF 006 31/03/09 SUD-PI-GR1 142

Growth Plus Fund

ULIF 023 11/12/13 SUD-LI-GR2 142

Apex Balanced Fund

ULIF 011 20/01/10 SUD-LA-BL1 142

Balanced Fund

ULIF 001 18/02/09 SUD-LI-BL1 142

Individual Pension Fund - Apex Balanced

ULIF 015 20/01/10 SUD-PA-BL1 142

Individual Pension Fund - Balanced

ULIF 007 31/03/09 SUD-PI-BL1 142

Express Balanced Fund

ULIF 017 29/04/11 SUD-LX-BL1 142

Balance Plus Fund

ULIF 024 11/12/13 SUD-LI-BL2 142

Apex Bond Fund

ULIF 012 20/01/10 SUD-LA-BN1 142

Bond Fund

ULIF 004 25/02/09 SUD-LI-BN1 142

Individual Pension Fund - Apex Bond

ULIF 016 20/01/10 SUD-PA-BN1 142

Individual Pension Fund - Bond

ULIF 008 31/03/09 SUD-PI-BN1 142

Income Fund

ULIF 020 11/12/13 SUD-LI-BN2 142

Group Debt Fund

ULGF 003 20/03/15 SUD-GN-BN1 142

Discontinued Life Policies Fund

ULIF 018 03/06/11 SUD-UL-DP1 142

P

P P

SUD Life

Group

Retirement

21P P

BALANCED FUND

P

P

17

GROUP UNIT LINKED FUND

P

DISCONTINUED FUND

BOND FUND

P

GROWTH FUND

P

16

P

P

10

EQUITY FUND

5

P P

P P

P P

Dhan

Suraksha Plus

Wealth

Builder Plan

P P

P

P

P

P P P P P

P

P P P

P P

P

P P P

P

P

P

P P

P

P

P

P P

P

P

P P

New Dhruv

Tara

Dhan Suraksha

Express

Dhruv Tara

Product

New Dhan

Suraksha

New Dhan

Suraksha

Premium

Dhan

Suraksha 3

Dhan

Suraksha

Premium 3

Prabhat Tara

3

New Prabhat

Tara

19

6

7

8

9

11

12

P

P

P

P

P

P

Mapping of Funds and Products (Funds representing the underlying Products)

P P P

1

2

3

4

20

22

Product Name (UIN)

Dhan SurakshaDhan Suraksha

PremiumPrabhat Tara

13

14

15

17

18


Summary of number of Funds managed by Fund Managers alongwith details of Equity, Balanced and Debt

Sr. No. TYPE OF FUND NAME OF FUNDS MANAGERNO. OF FUNDS

MANAGEDNAME OF FUNDS AUM

1 Apex Equity Fund 309.86

2 Equity Fund 43.82

3 Individual Pension Fund - Apex Equity 29.12

4 Individual Pension Fund - Equity 17.82

5 Bluechip Equity Fund 290.37

TOTAL 690.99

6 Apex Growth Fund 309.85

7 Growth Fund 97.13

8 Individual Pension Fund - Apex Growth 32.04

9 Individual Pension Fund - Growth 16.60

10 Growth Plus Fund 279.65

11 Apex Balanced Fund 251.72

12 Balanced Fund 21.35

13 Individual Pension Fund - Apex Balanced 13.85

14 Individual Pension Fund - Balanced 8.70

15 Express Balanced Fund 45.31

16 Balanced Plus Fund 251.61

TOTAL 1,327.83

17 Apex Bond Fund 103.07

18 Bond Fund 9.07

19 Individual Pension Fund - Apex Bond 4.14

20 Individual Pension Fund - Bond 3.43

21 Individual Life Income Fund 113.12

22 Group Debt Fund 9.60

23 Discontinued Policies Fund 354.81

TOTAL 597.24

Total Funds 23 TOTAL AUM 2,616.06

EQUITY FUND

GROWTH AND

BALANCED FUND

BOND FUND

5

11

7

EQUTY - Mr. JAGDISH

BHANUSHALI

EQUTY - Mr. JAGDISH

BHANUSHALI

DEBT - Mr. RAM KAMAL

SAMANTA / Mr. LAKSHMAN

CHETTIAR

DEBT - Mr. RAM KAMAL

SAMANTA / Mr. LAKSHMAN

CHETTIAR

InveSTAR


Investment Objective :

Date of Inception : SFIN No.

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

Products: AUM :

Rs. 309.86 Cr

Portfolio % to AUM

`

Equity (Top 10 Holdings & >1%) 86.05% Minimum Maximum

HDFC Bank Ltd 9.29% 80% 100% 266.63 86.05%

Reliance Industries Ltd 8.85% 0% 20% 43.22 13.95%

Infosys Technologies Ltd. 6.25%

ITC Ltd. 6.04%

ICICI Bank Ltd 5.36%

Larsen & Toubro Limited 5.26%

Tata Consultancy Services Limited 4.92%

Maruti Suzuki India Limited 4.05%

Mahindra & Mahindra Ltd. 3.34%

Housing Development Finance Corporation Ltd. 2.81%

Hindustan Unilever Limited 2.25%

Kotak Mahindra Bank Limited 2.07%

Asian Paints Ltd. 1.61%

Vedanta Limited 1.55%

Tech Mahindra Limited 1.55%

Axis Bank Limited 1.31%

GAIL (India) Limited 1.27%

Petronet LNG Limited 1.11%

Titan Company Ltd. 1.09%

Voltas Limited 1.03%

Ashok Leyland Ltd 1.01%

Others (with < 1% exposure) 14.02%

MM & Others 13.95%

Total 100.00%

`

1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since Inception

Apex Equity Fund -0.43% -0.83% 1.19% 2.02% 14.35% 10.68% 9.23%

Benchmark -0.04% -0.33% 1.67% 3.66% 14.42% 10.67% 8.57%

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

related instruments.

Investment PatternActual

Asset Mix

Particulars

For New Dhan Suraksha, New Dhan Suraksha Premium,

New Prabhat Tara, Dhan Suraksha 3, Dhan Suraksha

Premium 3 & Prabhat Tara 3.

Benchmark :

Nifty 50 Index - 90%

CRISIL Liquid Fund Index - 10%

AUM (Rs. In Cr)

Fund returns vis a vis Benchmark

APEX EQUITY FUND -DECEMBER 2018

Equity

MM & Others

Absolute

Name of Fund Manager:

Mr. Jagdish Bhanushali

CAGR (Annualised)

24.44%

13.66%

8.85%

6.04%

5.48%

5.26%

5.07%

3.86%

2.38%

1.78%

9.23%

Financial & Insurance Activities

Computer programming, consultancy andrelated activities

Manufacture of coke and refined petroleumproducts

Manufacture of tobacco products

Manufacture of other transport equipment

Civil engineering

Manufacture of motor vehicles, trailers andsemi-trailers

Manufacture of chemicals and chemicalproducts

Infrastructure

Manufacture of Basic Metals

Others

Top 10 Industry Exposure ( % to AUM)

Equity86.05%

MM & Others13.95%

Asset Allocation (% to AUM)

9.00

10.00

11.00

12.00

13.00

14.00

15.00

16.00

17.00

18.00

19.00

20.00

21.00

22.00

23.00

24.00

25.00

Jan

-10

May

-10

Au

g-1

0

No

v-1

0

Mar

-11

Jun

-11

Sep

-11

Jan

-12

Ap

r-1

2

Jul-

12

No

v-1

2

Feb

-13

May

-13

Sep

-13

Dec

-13

Mar

-14

Jul-

14

Oct

-14

Jan

-15

May

-15

Au

g-1

5

Dec

-15

Mar

-16

Jun

-16

Oct

-16

Jan

-17

Ap

r-1

7

Au

g-1

7

No

v-1

7

Feb

-18

Jun

-18

Sep

-18

Dec

-18

NA

V/U

NIT

(R

s)

NAV Performance (Since Inception)NAV Benchmark


Investment Objective:


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

Products : AUM:

Rs. 43.82 Cr

Portfolio % to AUM

`


HDFC Bank Ltd 9.09% 80% 100% 36.81 83.99%




ITC Ltd. 5.82%
















MM & Others 16.01%

Total 100.00%

`


Equity Fund -0.42% -0.60% 1.43% 2.32% 13.73% 10.59% 15.02%

Benchmark -0.04% -0.33% 1.67% 3.66% 14.42% 10.67% 14.30%


Equity

MM & Others


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

equity-related instruments.


Asset Mix

Particulars

Benchmark :



For Dhan Suraksha, Dhan Suraksha Premium, Prabhat

Tara.

EQUITY FUND - DECEMBER 2018



AUM (Rs. In Cr)

24.33%

13.42%

8.41%

5.82%

5.34%

5.17%

4.96%

3.83%

2.19%

1.66%

8.84%


Computer programming, consultancy and relatedactivities




Civil engineering

Manufacture of motor vehicles, trailers and semi-trailers

Manufacture of chemicals and chemical products

Infrastructure


Others

Top 10 Industry Exposure (% to AUM)

Equity83.99%

MM & Others16.01%


14.00

16.00

18.00

20.00

22.00

24.00

26.00

28.00

30.00

32.00

34.00

36.00

38.00

40.00

42.00

44.00

Feb

-09

Jun

-09

Oct

-09

Feb

-10

Jun

-10

Oct

-10

Feb

-11

Jun

-11

Oct

-11

Feb

-12

May

-12

Sep

-12

Jan

-13

May

-13

Sep

-13

Jan

-14

May

-14

Sep

-14

Jan

-15

May

-15

Sep

-15

Dec

-15

Ap

r-1

6

Au

g-1

6

Dec

-16

Ap

r-1

7

Au

g-1

7

Dec

-17

Ap

r-1

8

Au

g-1

8

Dec

-18

NA

V/U

NIT

(R

s)





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

Products : AUM :

Rs. 29.12 Cr

Portfolio % to AUM

`


HDFC Bank Ltd 8.96% 80% 100% 24.32 83.52%



ITC Ltd. 5.74%












Bajaj Finance Ltd. 1.38%






MM & Others 16.48%

Total 100.00%

`


Individual Pension Fund - Apex Equity -0.35% -0.40% 1.55% 3.28% 14.70% 10.97% 9.23%

Benchmark -0.04% -0.33% 1.67% 3.66% 14.42% 10.67% 8.57%

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

instruments by focusing predominantly on well established companies.

Asset Mix

ParticularsInvestment Pattern

Actual

Benchmark :



AUM (Rs. In Cr)


individual Pension FUND APEX EQUITY - DECEMBER 2018

Equity

For New Dhruv Tara Products

MM & Others

Absolute



CAGR (Annualised)

24.03%

13.26%

8.28%

5.74%

5.33%

5.28%

4.95%

4.00%

2.18%

1.64%

8.85%





Civil engineering




Infrastructure


Others


Equity83.52%

MM & Others16.48%


8.50

10.50

12.50

14.50

16.50

18.50

20.50

22.50

24.50

Jan

-10

Ap

r-1

0Ju

l-1

0N

ov-

10

Feb

-11

May

-11

Au

g-1

1N

ov-

11

Feb

-12

Jun

-12

Sep

-12

Dec

-12

Mar

-13

Jun

-13

Sep

-13

Dec

-13

Ap

r-1

4Ju

l-1

4O

ct-1

4Ja

n-1

5A

pr-

15

Jul-

15

No

v-1

5Fe

b-1

6M

ay-1

6A

ug-

16

No

v-1

6Fe

b-1

7M

ay-1

7Se

p-1

7D

ec-1

7M

ar-1

8Ju

n-1

8Se

p-1

8D

ec-1

8

NA

V/U

NIT

(R

s)

NAV Performance (Since Inception)

NAV Benchmark




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

Products : AUM :

Rs. 17.82 Cr

Portfolio % to AUM

`


HDFC Bank Ltd 9.31% 80% 100% 15.03 84.34%




ITC Ltd. 5.86%













Bajaj Finserv Ltd. 1.09%



Ashok Leyland Ltd 1.01%


MM & Others 15.66%

Total 100.00%

`


Individual Pension Fund - Equity -0.36% -0.48% 1.61% 2.70% 13.79% 10.50% 13.28%

Benchmark -0.04% -0.33% 1.67% 3.66% 14.42% 10.67% 13.49%

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

instruments by focusing predominantly on well established companies.

Asset Mix


Actual

Benchmark :



AUM (Rs. In Cr)


Individual pension FUND EQUITY - DECEMBER 2018

MM & Others

Equity

For Dhruv Tara Products

Absolute



CAGR (Annualised)

24.26%

13.44%

8.48%

5.86%

5.47%

5.25%

5.01%

3.86%

2.28%

1.68%

8.76%



Manufacture of coke and refined petroleum products



Civil engineering



Infrastructure


Others


Equity84.34%

MM & Others15.66%


11.00

13.00

15.00

17.00

19.00

21.00

23.00

25.00

27.00

29.00

31.00

33.00

35.00

37.00

Ap

r-09

Jul-

09

No

v-0

9

Feb

-10

Jun

-10

Sep

-10

Jan

-11

Ap

r-11

Au

g-1

1

No

v-1

1

Mar

-12

Jun

-12

Oct

-12

Jan

-13

May

-13

Au

g-1

3

Dec

-13

Mar

-14

Jul-

14

Oct

-14

Feb

-15

May

-15

Sep

-15

Dec

-15

Ap

r-16

Jul-

16

No

v-1

6

Feb

-17

Jun

-17

Sep

-17

Jan

-18

May

-18

Au

g-1

8

Dec

-18

NA

V/U

NIT

(R

s)


NAV Benchmark




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

Products : AUM :

Rs. 290.37 Cr

Portfolio % to AUM


HDFC Bank Ltd 8.57% 70% 100% 230.61 79.42%


ITC Ltd. 6.00%
















MM & Others 20.58%

Total 100.00%

`


Bluechip Equity Fund -0.35% -0.73% 1.18% 2.98% 12.26% 9.58% 11.37%

Benchmark 0.00% -0.19% 1.81% 3.91% 14.04% 10.51% 11.79%


Actual

Equity

AUM (Rs. In Cr)


Individual BLUE CHIP EQUITY - DECEMBER 2018

MM & Others

Asset Mix

For Dhan Suraksha Plus & Wealth Builder Plan

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

securities.

Benchmark :



Absolute



CAGR (Annualised)

23.75%

12.18%

7.35%

6.00%

5.86%

4.81%

4.67%

3.91%

1.69%

1.42%

7.79%






Civil engineering



Infrastructure


Others


Equity79.42%

MM & Others20.58%


10.00

11.00

12.00

13.00

14.00

15.00

16.00

17.00

18.00

19.00

Jan

-14

May

-14

Au

g-1

4

No

v-1

4

Mar

-15

Jun

-15

Sep

-15

Dec

-15

Mar

-16

Jul-

16

Oct

-16

Jan

-17

May

-17

Au

g-1

7

No

v-1

7

Feb

-18

Jun

-18

Sep

-18

Dec

-18

NA

V/U

NIT

(R

s)


NAV Benchmark




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

Products : AUM :

Rs. 309.85 Cr Equity Mr. Jagdish Bhanushali

Debt Mr. Ram Kamal Samanta / Mr. Lakshman Chettiar

Portfolio % to AUM

`


HDFC Bank Ltd 9.15% 55% 85% 212.35 68.53%



ITC Ltd. 4.28%














Debt 26.59%

Gilts & SDL (Top 10 Holdings) 13.62%

7.17% GOI- 08-Jan-2028 4.36%

8.17% GOI - 01-Dec-2044 2.64%

7.35% GOI - 22-Jun-2024 1.94%

6.84% GOI- 19-Dec-2022 1.76%

8.83% GOI - 12-Dec-2041 1.17%

8.32% GOI - 02-Aug-2032 0.96%

8.2800% GOI - 15-Feb-2032 0.34%

8.2600% GOI - 02-Aug-2027 0.33%

8.24% GOI - 15-Feb-2027 0.07%

6.97% GOI- 06-Sep-2026 0.05%

Others 0.00%

Corporate Bonds (Top 10 Holdings) 12.97%

LIC HOUSING FINANCE LTD 1.85%

UNITED PHOSPHORUS LTD. 1.62%

SIKKA PORTS & TERMINALS LIMITED 1.55%

DEWAN HOUSING FINANCE CORP. LTD. 1.52%

STEEL AUTHORITY OF INDIA LTD. 1.23%

REC LIMITED 1.02%

M & M FINANCIAL SERVICES LTD. 1.01%

HDFC LTD. 0.89%

RELIANCE INDUSTRIES LTD 0.71%

IL & FS LTD. 0.61%

Others 0.96%

MM & Others 4.88%

Total 100.00%

`


Apex Growth Fund 0.04% 0.56% 1.80% 3.07% 11.34% 10.07% 9.17%

Benchmark 0.40% 1.04% 2.75% 4.15% 12.28% 10.19% 8.60%

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

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


Asset Mix

Particulars



Benchmark :


CRISIL Composite Bond Index - 30%

AUM (Rs. In Cr)


APEX GROWTH FUND - DECEMBER 2018

Equity

Debt, MM & Others

Absolute


CAGR (Annualised)

24.24%

11.24%

7.16%

4.72%

4.68%

4.67%

4.28%

4.26%

3.96%

3.23%

9.06%




Civil engineering

Infrastructure



Housing Sector



Others


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

10.97%

20.08%

15.43%

34.29%

19.22%

Debt Maturity Profile ( % of Debt)

Debt26.59%

Equity68.53%

MM & Others4.88%


AAA31.99%

AA+9.90%

AA-4.61%

Gilts51.22%

D2.28%

Debt Rating Profile (% of Debt)

Modified Duration - 3.96 yrs

9.50

11.50

13.50

15.50

17.50

19.50

21.50

23.50

25.50

Jan

-10

Jun

-10

Oct

-10

Mar

-11

Jul-

11

No

v-1

1

Ap

r-1

2

Au

g-1

2

Jan

-13

May

-13

Oct

-13

Feb

-14

Jun

-14

No

v-1

4

Mar

-15

Au

g-1

5

Dec

-15

May

-16

Sep

-16

Jan

-17

Jun

-17

Oct

-17

Mar

-18

Jul-

18

Dec

-18

NA

V/U

NIT

(R

s)


NAV Benchmark




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

Products : AUM:

Rs. 97.13 Cr Equity Mr. Jagdish BhanushaliDebt Mr. Ram Kamal Samanta / Mr. Lakshman Chettiar

Portfolio % to AUM

`


HDFC Bank Ltd 9.32% 40% 100% 65.53 67.47%




ITC Ltd. 4.06%












Debt 30.61%


8.83% GOI - 12-Dec-2041 4.43%

8.17% GOI - 01-Dec-2044 3.59%

7.35% GOI - 22-Jun-2024 3.30%

6.84% GOI- 19-Dec-2022 3.06%

7.72% GOI- 25-May-2025 2.10%

7.17% GOI- 08-Jan-2028 2.03%

8.97% GOI - 05-Dec-2030 1.49%

8.13% GOI- 22-Jun-2045 1.09%

8.40% GOI 28 Jul 2024 0.49%

8.24% GOI - 15-Feb-2027 0.22%

Others 0.00%




THE GREAT EASTERN SHIPPING CO. LTD. 1.14%


HDFC LTD. 1.02%


POWER GRID CORPORATION OF INDIA LTD 0.33%

Others 0.00%

MM & Others 1.92%

Total 100.00%

`


Growth Fund 0.25% 1.31% 2.57% 3.93% 11.10% 9.38% 13.90%

Benchmark 0.40% 1.04% 2.75% 4.15% 12.28% 10.19% 13.04%




Asset Mix

Particulars


Tara & Dhan Suraksha Express

Benchmark :



GROWTH FUND - DECEMBER 2018


AUM (Rs. In Cr)

CAGR (Annualised)Fund returns vis a vis Benchmark

Equity

Debt, MM & Others

Absolute

23.02%

10.70%

6.53%

4.26%

4.06%

4.03%

3.83%

3.74%

3.55%

3.10%

9.47%




Infrastructure


Civil engineering





Others



5.07%

19.18%

9.99%

31.15%

34.62%


AAA17.69%

AA+3.72%

AA-7.42%

Gilts71.17%


9.00

11.00

13.00

15.00

17.00

19.00

21.00

23.00

25.00

27.00

29.00

31.00

33.00

35.00

37.00

Feb

-09

Jun

-09

Oct

-09

Feb

-10

Jun

-10

Sep

-10

Jan

-11

May

-11

Sep

-11

Jan

-12

Ap

r-1

2

Au

g-12

Dec

-12

Ap

r-1

3

Au

g-13

Dec

-13

Mar

-14

Jul-

14

No

v-1

4

Mar

-15

Jul-

15

Oct

-15

Feb

-16

Jun

-16

Oct

-16

Feb

-17

May

-17

Sep

-17

Jan

-18

May

-18

Sep

-18

Dec

-18

NA

V/U

NIT

(R

s)


NAV Benchmark

Debt30.61%

Equity67.47%

MM & Others1.92%






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

Products : AUM :



Portfolio % to AUM

`


HDFC Bank Ltd 8.86% 55% 85% 21.10 65.86%



ITC Ltd. 4.37%














Debt 29.64%


7.35% GOI - 22-Jun-2024 4.22%

7.72% GOI- 25-May-2025 3.18%

8.17% GOI - 01-Dec-2044 3.17%

9.15% GOI - 14-Nov-2024 2.71%

8.2600% GOI - 02-Aug-2027 2.44%

8.32% GOI - 02-Aug-2032 1.65%

6.97% GOI- 06-Sep-2026 0.15%Others 0.00%




STEEL AUTHORITY OF INDIA LTD. 3.11%Others 0.00%

MM & Others 4.50%

Total 100.00%

`


Individual Pension Fund - Apex Growth 0.19% 1.19% 2.52% 4.46% 11.65% 10.03% 8.92%

Benchmark 0.40% 1.04% 2.75% 4.15% 12.28% 10.19% 8.60%

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

established companies through investments primarily in equity and equity-related instruments

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

Asset Mix


Actual

Benchmark :



AUM (Rs. In Cr)


individual Pension FUND APEX Growth - DECEMBER 2018

Equity


Debt, MM & Others

Absolute


CAGR (Annualised)

22.88%

10.36%

6.71%

5.87%

4.37%

4.09%

3.91%

3.81%

3.78%

3.14%

9.06%



Infrastructure




Civil engineering


Housing Sector


Others


1-3 years 5-10 years > 10 years

40.88% 42.86%

16.27%


Debt29.64%

Equity65.86%

MM & Others4.50%


AAA30.38%

AA-10.50%

Gilts59.12%


9.00

10.50

12.00

13.50

15.00

16.50

18.00

19.50

21.00

22.50

Jan

-10

May

-10

Au

g-1

0

Dec

-10

Mar

-11

Jul-

11

Oct

-11

Feb

-12

Jun

-12

Sep

-12

Jan

-13

Ap

r-1

3

Au

g-1

3

No

v-1

3

Mar

-14

Jun

-14

Oct

-14

Jan

-15

May

-15

Sep

-15

Dec

-15

Ap

r-1

6

Jul-

16

No

v-1

6

Feb

-17

Jun

-17

Sep

-17

Jan

-18

May

-18

Au

g-1

8

Dec

-18

NA

V/U

NIT

(R

s)


NAV Benchmark





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

Products : AUM :


Portfolio % to AUM

`


HDFC Bank Ltd 9.07% 40% 100% 11.09 66.79%



ITC Ltd. 4.49%













Debt 28.15%


8.17% GOI - 01-Dec-2044 5.15%

8.2600% GOI - 02-Aug-2027 4.39%

6.97% GOI- 06-Sep-2026 4.12%

7.17% GOI- 08-Jan-2028 3.27%

7.72% GOI- 25-May-2025 2.45%

7.35% GOI - 22-Jun-2024 2.11%

6.84% GOI- 19-Dec-2022 2.09%

8.83% GOI - 12-Dec-2041 1.36%

Others 0.00%



STATE BANK OF INDIA 0.16%

Others 0.00%

MM & Others 5.06%

Total 100.00%

`


Individual Pension Fund - Growth 0.20% 1.26% 2.46% 3.64% 11.13% 8.82% 11.45%

Benchmark 0.40% 1.04% 2.75% 4.15% 12.28% 10.19% 12.43%

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


Benchmark :



Individual pension FUND GROWTH - DECEMBER 2018


Actual


AUM (Rs. In Cr)


Equity

Debt, MM & Others

Absolute

22.55%

10.43%

6.01%

4.49%

4.12%

3.92%

3.82%

3.04%

2.96%

1.52%

7.12%






Civil engineering


Water transport


Infrastructure

Others


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

10.79%7.41%

58.65%

23.14%


AAA0.57%

AA+10.79%

Gilts88.64%


10.00

12.00

14.00

16.00

18.00

20.00

22.00

24.00

26.00

28.00

30.00

32.00

34.00

Mar

-09

Jun

-09

Sep

-09

Dec

-09

Mar

-10

Jun

-10

Sep

-10

Dec

-10

Mar

-11

Jun

-11

Sep

-11

Dec

-11

Mar

-12

May

-12

Au

g-1

2N

ov-

12

Feb

-13

May

-13

Au

g-1

3N

ov-

13

Feb

-14

May

-14

Au

g-1

4N

ov-

14

Feb

-15

May

-15

Au

g-1

5O

ct-1

5Ja

n-1

6A

pr-

16

Jul-

16

Oct

-16

Jan

-17

Ap

r-1

7Ju

l-1

7O

ct-1

7Ja

n-1

8A

pr-

18

Jul-

18

Oct

-18

Dec

-18

NA

V/U

NIT

(R

s)


NAV Benchmark

Debt28.15%

Equity66.79%

MM & Others5.06%






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

Products : AUM:


Portfolio % to AUM

`


HDFC Bank Ltd 7.32% 40% 100% 170.71 61.04%


Infosys Technologies Ltd. 4.76% 0% 30% 27.83 9.95%



ITC Ltd. 3.48%












Debt 29.00%


7.72% GOI- 25-May-2025 4.55%

6.84% GOI- 19-Dec-2022 1.59%

7.35% GOI - 22-Jun-2024 1.25%

8.20% GOI - 24-Sep-2025 1.21%

8.2600% GOI - 02-Aug-2027 0.86%

6.97% GOI- 06-Sep-2026 0.86%

8.83% GOI - 12-Dec-2041 0.81%

8.35% Gujarat 28-Feb-2028 0.73%

8.13% GOI- 22-Jun-2045 0.57%

8.17% GOI - 01-Dec-2044 0.50%

Others 2.01%


REC LIMITED 4.76%


HDFC LTD. 2.07%



SUNDARAM FINANCE LTD. 0.57%


IL & FS LTD. 0.27%

POWER FINANCE CORPORATION LTD. 0.26%

L&T HOUSING FINANCE LIMITED 0.18%

Others 0.11%

MM & Others 9.95%

Total 100.00%

`


Growth Plus Fund 0.16% 0.94% 2.09% 3.55% 10.55% 9.08% 10.91%

Benchmark 0.40% 1.04% 2.75% 4.15% 12.28% 10.19% 11.60%



GROWTH plus FUND - DECEMBER 2018

CAGR (Annualised)

Benchmark :


MM & Others

Equity

Debt

Absolute




Asset Mix


Actual


AUM (Rs. In Cr)

21.75%

10.33%

9.46%

5.11%

4.34%

3.74%

3.48%

3.48%

3.24%

3.07%

7.11%


Infrastructure



Housing Sector

Civil engineering





Others



1.97%

18.74% 20.09%

50.73%

8.47%

Debt Maturity Profile ( % of Debt) Modified Duration - 3.40 yrs

AAA47.57%

Gilts51.51%

D0.92%


9.50

10.00

10.50

11.00

11.50

12.00

12.50

13.00

13.50

14.00

14.50

15.00

15.50

16.00

16.50

17.00

17.50

18.00

18.50

Jan

-14

Mar

-14

May

-14

Jul-

14

Sep

-14

No

v-1

4

Jan

-15

Mar

-15

Ap

r-1

5

Jun

-15

Au

g-1

5

Oct

-15

Dec

-15

Feb

-16

Ap

r-1

6

Jun

-16

Jul-

16

Sep

-16

No

v-1

6

Jan

-17

Mar

-17

May

-17

Jul-

17

Sep

-17

Oct

-17

Dec

-17

Feb

-18

Ap

r-1

8

Jun

-18

Au

g-1

8

Oct

-18

Dec

-18

NA

V/U

NIT

(R

s)


NAV Benchmark

Debt29.00%

Equity61.04%

MM & Others9.95%





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

Products : AUM :



Portfolio % to AUM

`


HDFC Bank Ltd 6.97% 35% 65% 126.65 50.32%




ITC Ltd. 2.99%









Debt 46.95%


8.20% GOI - 24-Sep-2025 2.57%

8.17% GOI - 01-Dec-2044 2.11%

8.29% Tamilnadu 29 Jul 2025 2.01%

7.73% GOI- 19-Dec-2034 2.01%

8.40% GOI 28 Jul 2024 1.98%

8.83% GOI - 12-Dec-2041 1.86%

8.83% GOI 25 Nov 2023 1.48%

8.33% GOI - 09-Jul-2026 1.26%

7.17% GOI- 08-Jan-2028 0.97%

8.28% GOI - 21-Sep-2027 0.84%

Others 5.72%





HDFC LTD. 2.04%

UNITED PHOSPHORUS LTD. 2.00%




IL & FS LTD. 1.34%


Others 3.73%

MM & Others 2.74%

Total 100.00%

`


Apex Balanced Fund 0.35% 1.90% 2.88% 3.60% 9.50% 9.34% 8.89%

Benchmark 0.75% 2.13% 3.62% 4.73% 10.32% 9.59% 8.53%


Asset Mix

Particulars AUM (Rs. In Cr)


APEX BALANCED FUND - DECEMBER 2018

Equity

Debt, MM & Others

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

investments in high quality equity and debt instruments.

For New Dhan Suraksha, New Dhan Suraksha

Premium, New Prabhat Tara, Dhan Suraksha 3, Dhan

Suraksha Premium 3 & Prabhat Tara 3.

Benchmark :



Absolute


CAGR (Annualised)

22.10%

10.16%

8.20%

5.88%

4.85%

4.20%

3.87%

2.99%

2.88%

2.55%

6.79%


Infrastructure


Housing Sector



Civil engineering




Others



10.03%

16.53%

12.67%

43.52%

17.25%


Debt46.95%

Equity50.32%

MM & Others2.74%

Asset Allocation( % to AUM)

AAA38.41%

AA+9.68%

AA-0.51%

Gilts48.55%

D2.86%


9.00

11.00

13.00

15.00

17.00

19.00

21.00

23.00

Jan

-10

May

-10

Au

g-1

0

No

v-1

0

Mar

-11

Jun

-11

Sep

-11

Jan

-12

Ap

r-1

2

Jul-

12

No

v-1

2

Feb

-13

May

-13

Sep

-13

Dec

-13

Mar

-14

Jul-

14

Oct

-14

Jan

-15

May

-15

Au

g-1

5

Dec

-15

Mar

-16

Jun

-16

Oct

-16

Jan

-17

Ap

r-1

7

Au

g-1

7

No

v-1

7

Feb

-18

Jun

-18

Sep

-18

Dec

-18

NA

V/U

NIT

(R

s)


NAV Benchmark





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

Products : AUM :


Portfolio % to AUM

`


HDFC Bank Ltd 3.45% 0% 60% 6.07 28.46%



ITC Ltd. 1.86%








Debt 69.00%


8.97% GOI - 05-Dec-2030 12.51%

6.97% GOI- 06-Sep-2026 9.39%

7.9500% GOI - 28-Aug-2032 6.29%

8.33% GOI - 09-Jul-2026 3.95%

9.63% Maharashtra - 12-Feb-2024 2.50%

9.19% SDL - Kerala - 28-May-2024 2.46%

8.24% GOI - 15-Feb-2027 2.45%

8.2600% GOI - 02-Aug-2027 2.35%

8.17% GOI - 01-Dec-2044 2.05%

9.11% Maharashtra - 28-May-2024 1.23%

Others 0.46%




HDFC LTD. 4.68%

IL & FS LTD. 1.76%





Others 0.00%

MM & Others 2.54%

Total 100.00%

`


Balanced Fund 0.91% 3.44% 4.08% 4.69% 7.26% 7.29% 9.71%

Benchmark 1.10% 3.20% 4.46% 5.25% 8.33% 8.92% 10.07%

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

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


Asset Mix

Particulars


Tara.

Benchmark :



AUM (Rs. In Cr)


BALANCED FUND - DECEMBER 2018

Equity

Debt, MM & Others

Absolute


CAGR (Annualised)

12.85%

10.28%

6.02%

4.34%

3.97%

2.48%

1.86%

1.74%

1.69%

1.66%

4.92%

Housing Sector




Infrastructure




Civil engineering


Others



2.72%

16.24%

2.11%

48.03%

30.89%

Debt Maturity Profile (% of Debt)

Debt69.00%

Equity28.46%

MM & Others2.54%


AAA21.81%

AA+1.37%

AA-8.12%

Gilts66.15%

D2.55%


9.5010.5011.5012.5013.5014.5015.5016.5017.5018.5019.5020.5021.5022.5023.5024.5025.5026.5027.50

Feb

-09

May

-09

Sep

-09

Dec

-09

Mar

-10

Jul-

10

Oct

-10

Jan

-11

Ap

r-1

1

Au

g-1

1

No

v-1

1

Feb

-12

Jun

-12

Sep

-12

Dec

-12

Mar

-13

Jul-

13

Oct

-13

Jan

-14

May

-14

Au

g-1

4

No

v-1

4

Feb

-15

Jun

-15

Sep

-15

Dec

-15

Ap

r-1

6

Jul-

16

Oct

-16

Jan

-17

May

-17

Au

g-1

7

No

v-1

7

Mar

-18

Jun

-18

Sep

-18

Dec

-18

NA

V/U

NIT

(R

s)






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

Products : AUM :


Portfolio % to AUM

`


HDFC Bank Ltd 5.85% 35% 65% 6.50 46.93%



ITC Ltd. 3.13%











Debt 45.10%


8.21% Maharashtra - 09-Dec-2025 7.30%

8.17% GOI - 01-Dec-2044 3.70%

8.20% GOI - 15-Feb-2022 3.68%

8.40% GOI 28 Jul 2024 3.41%

8.97% GOI - 05-Dec-2030 1.61%

8.83% GOI - 12-Dec-2041 1.23%

Others 0.00%




HDFC LTD. 3.62%



L & T FINANCE LTD. 2.18%

RELIANCE INDUSTRIES LTD 0.73%Others 0.00%

MM & Others 7.97%

Total 100.00%

`


Individual Pension Fund - Apex Balanced 0.50% 1.96% 3.16% 4.44% 9.23% 9.12% 8.63%

Benchmark 0.75% 2.13% 3.62% 4.73% 10.32% 9.59% 8.53%

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

investments in high quality equity and debt instruments.

Asset Mix


Actual

Benchmark :



AUM (Rs. In Cr)


individual Pension FUND APEX balanced - DECEMBER 2018

Equity


Debt, MM & Others

Absolute


CAGR (Annualised)

18.25%

13.90%

7.42%

4.88%

4.83%

4.26%

3.13%

2.77%

2.69%

2.50%

6.49%


Housing Sector



Infrastructure




Civil engineering


Others


1-3 years 3-5 years 5-10 years > 10 years

46.98%

13.13%

25.39%

14.50%


AAA45.63%

AA-7.98%

Gilts46.38%


9.50

11.50

13.50

15.50

17.50

19.50

21.50

23.50

Jan

-10

May

-10

Au

g-1

0

Dec

-10

Mar

-11

Jul-

11

Oct

-11

Feb

-12

Jun

-12

Sep

-12

Jan

-13

Ap

r-1

3

Au

g-1

3

No

v-1

3

Mar

-14

Jun

-14

Oct

-14

Jan

-15

May

-15

Sep

-15

Dec

-15

Ap

r-1

6

Jul-

16

No

v-1

6

Feb

-17

Jun

-17

Sep

-17

Jan

-18

May

-18

Au

g-1

8

Dec

-18

NA

V/U

NIT

(R

s)


NAV Benchmark

Debt45.10%

Equity46.93%

MM & Others7.97%






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

Products : AUM :


Portfolio % to AUM

`


HDFC Bank Ltd 3.75% 0% 60% 2.43 27.90%



ITC Ltd. 1.82%








Debt 67.12%


8.17% GOI - 01-Dec-2044 12.71%

8.97% GOI - 05-Dec-2030 8.95%

9.63% Maharashtra - 12-Feb-2024 4.91%

9.11% Maharashtra - 28-May-2024 4.82%

7.72% GOI- 25-May-2025 2.93%

7.9500% GOI - 28-Aug-2032 1.78%

6.97% GOI- 06-Sep-2026 1.69%

Others 0.00%





HDFC LTD. 2.38%



IL & FS LTD. 1.72%


LARSEN & TOUBRO LTD. 1.16%

Others 0.00%

MM & Others 4.98%

Total 100.00%

`


Individual Pension Fund - Balanced 1.03% 3.46% 3.81% 4.52% 7.28% 8.16% 9.56%

Benchmark 1.10% 3.20% 4.46% 5.25% 8.33% 8.92% 9.89%

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

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

Asset Mix


Actual

Benchmark :



AUM (Rs. In Cr)


individual pension FUND BALANCED - DECEMBER 2018

Equity


Debt, MM & Others

Absolute


CAGR (Annualised)

12.67%

10.56%

9.51%

5.80%

4.30%

2.80%

2.43%

1.82%

1.61%

1.49%

4.25%


Housing Sector

Infrastructure

Water transport


Civil engineering





Others



10.35%

21.04%

6.12%

27.57%

34.92%



AAA32.52%

AA+8.63%

Gilts56.28%

D2.57%Debt Rating Profile (% of Debt)

10.00

11.00

12.00

13.00

14.00

15.00

16.00

17.00

18.00

19.00

20.00

21.00

22.00

23.00

24.00

25.00

26.00

Mar

-09

Au

g-0

9

Dec

-09

Ap

r-1

0

Au

g-1

0

Dec

-10

May

-11

Sep

-11

Jan

-12

May

-12

Sep

-12

Jan

-13

Jun

-13

Oct

-13

Feb

-14

Jun

-14

Oct

-14

Feb

-15

Jul-

15

No

v-1

5

Mar

-16

Jul-

16

No

v-1

6

Mar

-17

Au

g-1

7

Dec

-17

Ap

r-1

8

Au

g-1

8

Dec

-18

NA

V/U

NIT

(R

s)


NAV Benchmark

Debt67.12%

Equity27.90%

MM & Others4.98%




Date of Inception : SFIN No. Benchmark :

April 29, 2011 ULIF 017 29/04/11 SUD-LX-BL1 142 Nifty 50 Index - 30%


Products : AUM :

For Dhan Suraksha Express Rs. 45.31 Cr Equity Mr. Jagdish Bhanushali


Portfolio % to AUM

`


HDFC Bank Ltd 4.06% 0% 60% 13.72 30.27%




ITC Ltd. 1.93%







Debt 62.21%


8.17% GOI - 01-Dec-2044 9.53%

8.32% GOI - 02-Aug-2032 5.03%

9.15% GOI - 14-Nov-2024 3.00%

8.83% GOI - 12-Dec-2041 2.50%

8.97% GOI - 05-Dec-2030 2.46%

8.13% GOI- 22-Jun-2045 2.34%

8.2600% GOI - 02-Aug-2027 2.09%

9.63% Maharashtra - 12-Feb-2024 1.18%

7.9500% GOI - 28-Aug-2032 1.14%

8.20% GOI - 24-Sep-2025 0.92%

Others 3.80%




HDFC LTD. 3.34%




IL & FS LTD. 1.32%

MRF LTD. 1.15%



Others 0.89%

MM & Others 7.52%

Total 100.00%


Express Balanced Fund 0.87% 3.29% 3.87% 4.62% 7.28% 7.80% 8.49%

Benchmark 1.10% 3.20% 4.46% 5.25% 8.33% 8.92% 8.71%

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


ActualAUM (Rs. In Cr)


Express BALANCED FUND - DECEMBER 2018

Equity

Debt, MM & Others

Absolute


CAGR (Annualised)

13.29%

10.79%

6.91%

5.57%

4.65%

2.60%

2.57%

1.93%

1.80%

1.66%

6.75%

Infrastructure


Housing Sector

Water transport


Civil engineering





Others



11.79%

25.12%

3.69%

22.06%

37.34%


AAA32.54%

AA+8.95%

AA-1.77%

Gilts54.61%

D2.13% Debt Rating Profile (% of Debt)

9.50

11.50

13.50

15.50

17.50

19.50

21.50

Ap

r-1

1

Au

g-1

1

Dec

-11

Ap

r-1

2

Au

g-1

2

No

v-1

2

Mar

-13

Jul-

13

No

v-1

3

Mar

-14

Jul-

14

Oct

-14

Feb

-15

Jun

-15

Oct

-15

Feb

-16

May

-16

Sep

-16

Jan

-17

May

-17

Sep

-17

Dec

-17

Ap

r-1

8

Au

g-1

8

Dec

-18

NA

V/U

NIT

(R

s)


NAV Benchmark

Debt62.20%

Equity30.27%

MM & Others7.52%






January 29, 2014 ULIF 024 11/12/13 SUD-LI-BL2 142 Nifty 50 Index - 30%


Products : AUM :

For Dhan Suraksha Plus & Wealth Builder Plan Rs. 251.61 Cr Equity Mr. Jagdish Bhanushali


Portfolio % to AUM

`


HDFC Bank Ltd 3.63% 0% 60% 64.57 25.66%


Infosys Technologies Ltd. 2.01% 0% 30% 20.17 8.02%

ITC Ltd. 1.62%








Debt 66.32%


7.35% GOI - 22-Jun-2024 4.82%

7.17% GOI- 08-Jan-2028 4.61%

7.72% GOI- 25-May-2025 4.37%

6.97% GOI- 06-Sep-2026 4.03%

7.9500% GOI - 28-Aug-2032 3.92%

6.84% GOI- 19-Dec-2022 3.13%

8.40% GOI 28 Jul 2024 3.12%

8.32% GOI - 02-Aug-2032 1.58%

8.17% GOI - 01-Dec-2044 1.55%

8.30% GOI - 02-Jul-2040 1.52%

8.83% GOI - 12-Dec-2041 1.42%

8.20% GOI - 24-Sep-2025 1.12%

Others 11.05%


HDFC LTD. 3.90%






REC LIMITED 1.38%



MRF LTD. 0.99%

Others 3.87%

MM & Others 8.02%

Total 100.00%

`


Balanced Plus Fund 0.98% 3.38% 4.77% 5.12% 6.82% 7.65% 9.62%

Benchmark 1.10% 3.20% 4.46% 5.25% 8.33% 8.92% 10.33%

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


ActualAUM (Rs. In Cr)


BALANCEd PLUS FUND - DECEMBER 2018

MM & Others

Equity

Debt

Absolute


CAGR (Annualised)

11.41%

7.55%

5.38%

4.10%

3.38%

3.26%

2.72%

1.96%

1.62%

1.51%

6.13%


Housing Sector

Infrastructure



Civil engineering


Water transport



Others



4.28%

16.62%

11.72%

48.42%

18.96%


AAA26.35%

AA+3.09%

AA-4.43%

Gilts65.91%

D0.22%


9.90

10.40

10.90

11.40

11.90

12.40

12.90

13.40

13.90

14.40

14.90

15.40

15.90

16.40

16.90

Jan

-14

May

-14

Sep

-14

Dec

-14

Ap

r-1

5

Au

g-1

5

Dec

-15

Mar

-16

Jul-

16

No

v-1

6

Feb

-17

Jun

-17

Oct

-17

Jan

-18

May

-18

Sep

-18

Dec

-18

NA

V/U

NIT

(R

s)


NAV Benchmark

Debt66.32%Equity

25.66%

MM & Others8.02%






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

Products : AUM :

Rs. 103.07 Cr

Portfolio % to AUM

`

Debt 96.08% Minimum Maximum

Gilts & SDL (Top 10 Holdings & >1%) 47.51% 80% 100% 99.04 96.08%

7.17% GOI- 08-Jan-2028 17.55% 0% 20% 4.04 3.92%

7.40% GOI - 09-Sep-2035 7.05%

7.9500% GOI - 28-Aug-2032 5.85%

6.97% GOI- 06-Sep-2026 5.65%

8.33% GOI - 09-Jul-2026 2.15%

9.19% SDL - Kerala - 28-May-2024 2.04%

8.97% GOI - 05-Dec-2030 1.32%

9.23% GOI - 23-Dec -2043 1.14%

8.2800% GOI - 15-Feb-2032 1.03%

8.28% GOI - 21-Sep-2027 0.82%


Corporate Bonds (Top 10 Holdings & >1%) 48.58%



HDFC LTD. 7.82%


SHRIRAM TRANSPORT FINANCE CO. LTD. 4.92%



VEDANTA LIMITED 2.51%




MM & Others 3.92%

Total 100.00%

`


Apex Bond Fund 1.52% 4.82% 6.11% 5.95% 5.17% 7.50% 7.81%

Benchmark 1.51% 4.49% 5.47% 6.08% 5.50% 7.74% 7.89%

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



Premium 3 & Prabhat Tara 3.

Benchmark :



AUM (Rs. In Cr)


APEX BOND FUND - DECEMBER 2018

DEBT

MM & Others

Particulars

Absolute


Mr. Ram Kamal Samanta / Mr. Lakshman Chettiar

CAGR (Annualised)

21.03%

14.85%

9.89%

2.51%

0.20%

0.10%

Housing Sector


Infrastructure

Mining of metal ores

Water transport




4.14%

14.95%9.82%

53.07%

18.03%



Debt96.08%

MM & Others3.92%


AAA35.68%

AA+12.16%

AA…

AA-0.10%

Gilts49.44%


9.50

10.50

11.50

12.50

13.50

14.50

15.50

16.50

17.50

18.50

19.50

Jan

-10

May

-10

Au

g-1

0

No

v-1

0

Mar

-11

Jun

-11

Sep

-11

Jan

-12

Ap

r-1

2

Jul-

12

No

v-1

2

Feb

-13

May

-13

Sep

-13

Dec

-13

Mar

-14

Jul-

14

Oct

-14

Jan

-15

May

-15

Au

g-1

5

Dec

-15

Mar

-16

Jun

-16

Oct

-16

Jan

-17

Ap

r-1

7

Au

g-1

7

No

v-1

7

Feb

-18

Jun

-18

Sep

-18

Dec

-18

NA

V/U

NIT

(R

s)


NAV Benchmark




February 25, 2009 ULIF 004 25/02/09 SUD-LI-BN1 142 CRISIL Composite Bond Index - 90%


Products : AUM :

Rs. 9.07 Cr

Portfolio % to AUM

`



7.40% GOI - 09-Sep-2035 19.49% 0% 20% 0.38 4.22%

6.97% GOI- 06-Sep-2026 11.33%

7.72% GOI- 25-May-2025 6.74%

8.17% GOI - 01-Dec-2044 5.78%

6.84% GOI- 19-Dec-2022 4.37%

7.17% GOI- 08-Jan-2028 2.21%

8.40% GOI 28 Jul 2024 1.16%





HDFC LTD. 5.72%









MM & Others 4.22%

Total 100.00%

`


Bond Fund 1.69% 5.03% 6.33% 6.20% 4.98% 7.13% 7.43%

Benchmark 1.51% 4.49% 5.47% 6.08% 5.50% 7.74% 7.62%




Asset Mix

Particulars

For Dhan Suraksha, Dhan Suraksha Premium, Prabhat Tara.

AUM (Rs. In Cr)


BOND FUND - DECEMBER 2018

Debt

MM & Others

Absolute



CAGR (Annualised)

14.35%

10.21%

5.71%

5.56%

4.45%

3.33%

1.10%

Infrastructure

Housing Sector


Water transport

Civil engineering





9.26%

18.81%

9.36%

36.20%

26.38%


Debt95.78%

MM & Others4.22%


AAA34.93%

AA+10.61%

AA-1.15%

Gilts53.32%


9.50

11.50

13.50

15.50

17.50

19.50

Feb

-09

Jun

-09

Oct

-09

Feb

-10

Jun

-10

Sep

-10

Jan

-11

May

-11

Sep

-11

Jan

-12

Ap

r-1

2

Au

g-1

2

Dec

-12

Ap

r-1

3

Au

g-1

3

Dec

-13

Mar

-14

Jul-

14

No

v-1

4

Mar

-15

Jul-

15

Oct

-15

Feb

-16

Jun

-16

Oct

-16

Feb

-17

May

-17

Sep

-17

Jan

-18

May

-18

Sep

-18

Dec

-18

NA

V/U

NIT

(R

s)






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

Products : AUM :

For New Dhruv Tara Products Rs. 4.14 Cr

Portfolio % to AUM

`



8.40% GOI 28 Jul 2024 13.91% 0% 20% 0.24 5.73%

9.15% GOI - 14-Nov-2024 13.11%

8.34% SDL - Maharashtra - 03-Feb-2020 11.85%

7.17% GOI- 08-Jan-2028 7.15%

6.97% GOI- 06-Sep-2026 5.90%

8.84% SDL - Tamil Nadu - 18-Jul-2022 4.98%

8.17% GOI - 01-Dec-2044 3.09%

7.40% GOI - 09-Sep-2035 2.37%





HDFC LTD. 7.42%



REC LIMITED 2.39%

DEWAN HOUSING FINANCE CORP. LTD. 2.02%Others (with < 1% exposure) 0.00%

MM & Others 5.73%

Total 100.00%

`


Individual Pension Fund - Apex Bond 1.40% 4.32% 5.65% 5.57% 4.80% 7.19% 7.49%

Benchmark 1.51% 4.49% 5.47% 6.08% 5.50% 7.74% 7.89%



Asset Mix


Actual

Benchmark :



AUM (Rs. In Cr)


individual Pension FUND APEX bond - DECEMBER 2018

DEBT

MM & Others

Absolute



CAGR (Annualised)

17.62%

9.44%

2.43%

2.43%

Infrastructure

Housing Sector


Civil engineering


1-3 years 3-5 years 5-10 years > 10 years

25.76%

5.28%

63.16%

5.80%


Debt94.27%

MM & Others5.73%


AAA33.85%

Gilts66.15%


9.50

11.50

13.50

15.50

17.50

19.50

21.50

Jan

-10

May

-10

Au

g-1

0

Dec

-10

Mar

-11

Jul-

11

Oct

-11

Feb

-12

Jun

-12

Sep

-12

Jan

-13

Ap

r-1

3

Au

g-1

3

No

v-1

3

Mar

-14

Jun

-14

Oct

-14

Jan

-15

May

-15

Sep

-15

Dec

-15

Ap

r-1

6

Jul-

16

No

v-1

6

Feb

-17

Jun

-17

Sep

-17

Jan

-18

May

-18

Au

g-1

8

Dec

-18

NA

V/U

NIT

(R

s)


NAV Benchmark





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

Products : AUM :

Rs. 3.43 Cr

Portfolio % to AUM

`



7.40% GOI - 09-Sep-2035 17.19% 0% 20% 0.32 9.38%

8.33% GOI - 09-Jul-2026 12.29%

8.17% GOI - 01-Dec-2044 11.54%

6.97% GOI- 06-Sep-2026 5.58%

7.72% GOI- 25-May-2025 2.97%

7.17% GOI- 08-Jan-2028 2.88%

8.97% GOI - 05-Dec-2030 2.60%

6.84% GOI- 19-Dec-2022 1.44%




MRF LTD. 6.06%






REC LIMITED 2.89%

HDFC LTD. 1.46%


MM & Others 9.38%

Total 100.00%

`


Individual Pension Fund - Bond 1.83% 5.36% 6.60% 6.88% 5.01% 7.04% 7.38%

Benchmark 1.51% 4.49% 5.47% 6.08% 5.50% 7.74% 7.67%



Asset Mix


Actual

Benchmark :



AUM (Rs. In Cr)


individual Pension FUND BOND - DECEMBER 2018

Debt


MM & Others

Absolute



CAGR (Annualised)

11.98%

6.06%

5.82%

2.94%

2.94%

2.94%

1.46%

Infrastructure

Manufacture of rubber and plastics products



Water transport


Housing Sector



6.46%

19.59%

1.59%

37.79%

34.57%


Debt90.62%

MM & Others9.38%


AAA28.00%

AA+3.24%

AA-6.42%Gilts

62.34%


9.70

11.70

13.70

15.70

17.70

19.70

21.70

Mar

-09

Sep

-09

Feb

-10

Jul-

10

Dec

-10

May

-11

Oct

-11

Mar

-12

Au

g-1

2

Jan

-13

Jun

-13

No

v-1

3

Ap

r-1

4

Sep

-14

Feb

-15

Jul-

15

Dec

-15

May

-16

No

v-1

6

Ap

r-1

7

Sep

-17

Feb

-18

Jul-

18

Dec

-18

NA

V/U

NIT

(R

s)


NAV Benchmark





January 29, 2014 ULIF 020 11/12/13 SUD-LI-BN2 142

Products : AUM :

Rs. 113.12 Cr

Portfolio % to AUM

`



7.17% GOI- 08-Jan-2028 19.63% 0% 30% 8.38 7.41%

7.9500% GOI - 28-Aug-2032 8.82%

6.97% GOI- 06-Sep-2026 4.54%

8.39% Rajasthan -UDAY SPL-15-Mar-2022 4.50%

8.28% GOI - 21-Sep-2027 2.97%

8.35% GOI - 14-May -2022 2.74%

8.20% GOI - 24-Sep-2025 2.40%

8.24% GOI - 15-Feb-2027 1.85%

8.33% GOI - 09-Jul-2026 1.40%

9.11% Maharashtra - 28-May-2024 1.39%

8.97% GOI - 05-Dec-2030 1.18%





REC LIMITED 4.93%

HDFC LTD. 3.57%




VEDANTA LIMITED 2.20%




MM & Others 7.41%

Total 100.00%


Individual Life Income Fund 1.36% 4.35% 5.33% 4.82% 4.41% 6.82% 8.29%

Benchmark 1.46% 4.35% 5.38% 6.17% 5.59% 7.71% 8.99%



Benchmark :


individual LIFE INCOME FUND - DECEMBER 2018



MM & Others


Asset Mix


Actual

Debt

Absolute



AUM (Rs. In Cr)

CAGR (Annualised)

Debt92.59%

MM & Others7.41%


AAA31.85%

AA+1.64%AA

2.37%AA-

3.06%

Gilts60.36%

D0.72% Debt Rating Profile (% of Debt)


3.92%

13.95%18.54%

51.52%

12.06%


9.50

10.00

10.50

11.00

11.50

12.00

12.50

13.00

13.50

14.00

14.50

15.00

15.50

16.00

Jan

-14

Ap

r-1

4

Jul-

14

Oct

-14

Jan

-15

Mar

-15

Jun

-15

Sep

-15

Dec

-15

Mar

-16

May

-16

Au

g-1

6

No

v-1

6

Feb

-17

May

-17

Jul-

17

Oct

-17

Jan

-18

Ap

r-1

8

Jul-

18

Sep

-18

Dec

-18

NA

V/U

NIT

(R

s)


NAV Benchmark


13.20%

12.57%

2.83%

2.33%

2.31%

2.20%

1.34%

1.33%

Infrastructure

Housing Sector



Civil engineering

Mining of metal ores

Water transport






October 6, 2015 ULGF 003 20/03/15 SUD-GN-BN1 142

Products : AUM :

Rs. 9.60 Cr

Portfolio % to AUM

`



7.17% GOI- 08-Jan-2028 21.59% 0% 30% 0.29 3.06%

8.33% GOI - 07-Jun-2036 10.05% 0% 15% 0.00 0.00%

7.35% GOI - 22-Jun-2024 8.35% 0% 15% 0.00 0.00%

8.20% Gujarat 24 Jun 2025 6.31%

7.72% GOI- 25-May-2025 5.31%

8.83% GOI - 12-Dec-2041 4.13%

8.21% Maharashtra - 09-Dec-2025 2.63%

8.17% GOI - 01-Dec-2044 1.67%

6.84% GOI- 19-Dec-2022 1.55%

8.20% GOI - 15-Feb-2022 0.15%



MRF LTD. 5.41%




HDFC LTD. 3.24%



REC LIMITED 3.10%



MM & Others 3.06%

Mutual Fund 0.00%

Fixed Deposit with Banks 0.00%

Total 100.00%


Group Debt Fund 1.49% 4.82% 6.16% 6.44% 5.43% 7.66% 7.35%

Benchmark 1.51% 4.49% 5.47% 6.08% 5.50% 7.74% 7.52%

To generate stable returns over medium to long term with full exposure in debt market instruments by judicious

mix of Government Securities and high quality corporate debt and also in money market instruments.

Benchmark :


Debt


AUM (Rs. In Cr)

MM & Others

Mutual Funds

GROUP DEBT FUND - DECEMBER 2018

For SUD Life Group Retirement Benefit Plan

Asset Mix


Actual




Fixed Deposits with Banks

Absolute

Debt96.94%

MM & Others3.06%


AAA33.07%

AA+3.25%

Gilts63.68%



3.25%

19.67%

7.26%

53.48%

16.35%


10.00

10.50

11.00

11.50

12.00

12.50

13.00

Oct

-15

No

v-1

5D

ec-1

5Ja

n-1

6Fe

b-1

6M

ar-1

6A

pr-

16

May

-16

Jul-

16

Au

g-1

6Se

p-1

6O

ct-1

6N

ov-

16

Dec

-16

Jan

-17

Feb

-17

Ap

r-1

7M

ay-1

7Ju

n-1

7Ju

l-1

7A

ug-

17

Sep

-17

Oct

-17

No

v-1

7D

ec-1

7Fe

b-1

8M

ar-1

8A

pr-

18

May

-18

Jun

-18

Jul-

18

Au

g-1

8Se

p-1

8N

ov-

18

Dec

-18

NA

V/U

NIT

(R

s)


NAV Benchmark


15.17%

5.41%

5.24%

3.15%

3.15%

3.10%

Housing Sector

Manufacture of rubber and plastics products



Water transport

Infrastructure





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

Products : AUM :

Dhan Suraksha Express, Dhan Suraksha 3, Dhan

Suraksha Premium 3 & Prabhat Tara 3,Dhan Suraksha

Plus & Wealth Builder PlanRs. 354.81 Cr

Portfolio % to AUM

Debt & MM 100.00% Minimum Maximum


6.35% GOI- 02-Jan-2020 18.22% 0% 40% 58.16 16.39%

6.0500% GOI - 02-Feb-2019 8.86%

364 day T-Bill – 17 Jan 2019 7.03%

6.9000% GOI - 13-Jul-2019 5.69%

7.80% GOI - 11-Apr-2021 5.44%

7.68% GOI- 15-Dec-2023 5.08%

8.90% SDL - Tamil Nadu - 20-Sep-2022 2.92%

8.83% GOI 25 Nov 2023 2.85%

7.28% GOI- 03-Jun-2019 2.82%

364 day T-Bill – 27 June 2019 2.73%

9.63% Maharashtra - 12-Feb-2024 2.41%

9.15% GOI - 14-Nov-2024 1.98%

8.40% GOI 28 Jul 2024 1.74%

9.65% SDL - Tamil Nadu - 12-Mar-2024 1.43%

8.30% Maharashtra - 25-Mar-2019 1.41%

8.49% SDL - Karnataka - 18-Mar-2019 1.41%

8.27% Kerala 25 Mar 2019 1.41%

7.80% GOI - 03-May-2020 1.31%

8.32% SDL - Gujarat - 04-Aug-2020 1.21%

8.84% SDL - Tamil Nadu - 18-Jul-2022 1.10%

8.20% GOI - 15-Feb-2022 1.04%Others (with < 1% exposure) 5.51%

MM & Others 16.39%


Discontinued Policies Fund 0.94% 3.07% 4.52% 6.23% 5.64% 6.41% 7.34%

Benchmark 1.07% 3.48% 5.18% 7.50% 6.80% 7.63% 8.12%

Note: * Crisil Liquid Index 100% upto May 2013

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

Government Securties

MM & Others

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

minimum rate of return of 4% per annum.

Asset Mix

CRISIL Short Term Gilt Index 65% & CRISIL Liquid Index 35% *


Actual



AUM (Rs. In Cr)


Discontinued Policies FUND - DECEMBER 2018


Govt. Securties83.61%

MM & Others16.39%


9.8010.1010.4010.7011.0011.3011.6011.9012.2012.5012.8013.1013.4013.7014.0014.3014.6014.9015.2015.5015.8016.1016.4016.7017.0017.3017.6017.90

No

v-1

1

Mar

-12

Au

g-1

2

Dec

-12

May

-13

Sep

-13

Jan

-14

Jun

-14

No

v-1

4

Mar

-15

Au

g-1

5

Dec

-15

May

-16

Sep

-16

Jan

-17

Jun

-17

No

v-1

7

Mar

-18

Au

g-1

8

Dec

-18

NA

V/U

NIT

(R

s)

NAV Performance (Since Nov 01, 2011)

NAV Benchmark

< 1 year 1-3 years 3-5 years 5-10 years

38.10%

31.49%

17.23%

13.19%





Risk Factors

• This document has been prepared for providing general information only.

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

are subject to various risk factors.

• 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.

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

and other aspects of their financial situation before making an investment decision.

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

not indicative of its future prospects or returns.

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

investments made based on this document.

• 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.

NIFTY 50 INDEX

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

Neither IISL nor NIFTY 50 Index 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 NIFTY 50 Index or particularly in the ability of the said Index to track general stock market performance in India”.

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