fact sheet ver.02 - new logo sheet october 2016.pdf · 2019. 11. 7. · to -2.44% in july 2016....

Fact Sheet

Trademark used under licence from respective owners.

October – 2016

InveSTAR

Trademark used under license from respective owners.

MONTHLY REPORT –OCTOBER 2016

From the Desk of Chief Investment Officer…

OVERVIEW OF MARKET

Investors are very keenly watching two significant developments in last fortnight. One was US president election outcome and other was demonetization of higher value currency in India. The markets are looking forward for new policies of US President Elect and its impact on global economy. Recent decision to remove extant high denomination ( Rs. 500 & Rs. 1000) from circulation and replacing them with new one is expected to prove positive in the medium term. However since these two denominations constituted 86% of money in circulation, so economy might feel some road blocks in transition. Federal Reserve left the rate unchanged at 0.25% to 0.5% for the seventh time during its November 2016 meeting. Policymakers also added that the case for an increase in the federal funds rate has continued to strengthen.On domestic front, the Index of Industrial Production (IIP) for the month of Aug 2016 was seen at -0.74% as compared to -2.44% in July 2016. Consumer Price Index (CPI) decreased marginally to 4.31% in September 2016 from 5.05% in August, 2016. With better growth prospects and relatively stable macro parameters, India is clearly emerging as fastest growing economy in the world. We have the advantage of favorable demographics in terms of young population and huge domestic demand of this aspiring new middle class. All the macroeconomic indicators except private sector capital expenditure are looking positive. During October 2016, Nifty was almost flat for the month however broader market as indicated by other indices like BSE 200, NSE Mid cap gave more than 1-3% retrun. Gradually asset management companies are expanding investment horizon to stocks other than benchamark indices. For the month, sectors like Metals and Oil & Gas outperformed whereas underperformance came by IT. FIIs were seller for more than 6400 cr which was abosrbed by domestic instittional buyers who bought 7400 cr of equity during the month. The Bond market remained strong in the month of Sept 2016, overall yields moved downwards across the curve. The G-Sec 10 year benchmark (7.59% GOI 2026) bond opened at 6.96% and closed 0.07% lower at 6.89% in the month of September 2016. The newly issued 10 year security (6.97% GOI 2026) closed at 6.79% (-0.02% lower). FUND PERFORMANCE During April to October 2016, majority of our Equity and Growth Funds outperformed the respective benchmarks. For 3 years period ending October 2016, most of these funds delivered positive annualized returns of arround 10-13%, outperforming the Benchmark in most cases by about 0.5-2%. Majority of Balanced Funds delivered about 10-12% annualized return over last 3 years period. Bond funds delivered about 10-11% annualized returns for the said period. Fund wise performance is detailed in the following sheets. FIXED INCOME OUTLOOK The overall macro-economic environment is continues to support the lower yields. The factors which may affect yield impact of demonetisation on fiscal deficit and inflationand US interest rate movements. EQUITY OUTLOOK The last quarter reuslts was better than expectaions for most sectors. Equity market capitalization to GDP is at multi year low giving further scope for good returns in coming years. GDP growth might be subdued due to demonetisation led low demand but it is expected to pick up.

Oct-16 Sep-16 Variation

BSE Sensex 27,942 27,866 0.3%

NSE Nifty 8,638 8,611 0.3%

I0 year Benchmark

G-Sec 6.89% 6.96% -7 bps

AAA Corporate

Bond Spread

(CRISIL) 51 bps 40 bps 11 bps

Call 6.07% 6.41% -34 bps

Mibor (Overnight) 6.24% 6.50% -26 bps

Rs Vs. US$ 66.78 66.62 0.2%

Gold (US$/ounce) 1,277.2 1,315.9 -2.9%

Brent Crude

(US$/barrel) 48.6 49.1 -0.9%

Oct-16 Sep-16 Variation

Dow Jones 18,170 18,308 -0.8%

Nasdaq Composite 5,216 5,312 -1.8%

FTSE 100 6,982 6,899 1.2%

Hang Seng 22,955 23,618 -2.8%

Nikkei 17,446 16,633 4.9%

Aug-16 Jul-16

IIP Growth -0.74% -2.44%

Sep-16 Aug-16

WPI Inflation 3.57% 3.74%

CPI Inflation 4.31% 5.05%

Global Equity Indices

Economic Indicators

Performance Summary as on October 31 2016

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

Absolute CAGR (Annualised)

18/02/2009 24.77 21.96 7.11% 8.35%

5.02% 12.99%

6.72% 10.18% 10.75%

25/02/2009 46.35 32.37 11.30%

25/02/2009 135.66 30.52 10.26% 8.75%

20/01/2010 489.77 17.83 11.61% 7.97% 2.72%

6.92% 3.36%

7.24%

7.79% 3.06%

2.58%

4.85%

10.92%

11.42%

31/03/2009 20.11 27.40 10.81%

9.26%

7.35% 2.64% 12.03%

4.85% 11.42%

8.67% 4.85%18.25 10.80% 9.84% 5.35% 13.19%

2.58%

14.20%

31/03/2009 19.61 24.23 9.08%

20/01/2010 539.11 9.28%

20/01/2010 425.48 18.18 9.55% 10.13%8.71% 7.08% 12.51%

10.86% 12.36%

15.54%

9.62% 6.77%

8.62%

1 Year6 Month

10.49%

7.24%

8.67%

7.24%

8.67%

11.41% 7.32% 2.18%

10.11% 8.93% 4.50%

7.24%

8.67%

7.87%

8.26%

8.50%

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

10.80%

15.30%12.53% 16.45%

8.75%

8.84%

10.92%

11.42%

9.21%

8.90%12.81%

2.58%

11.56%

10.92%

12.06%

2.58%

4.85%

12.08%

Inception dateAUM (Rs.

Cr)

NAV

(Rs.)

8.13%

9.42%

9.26%

9.42%

9.26%

9.42%

9.42%

9.26%

14.00%

14.27%

13.23%

7.87%

8.26%

20/01/2010 32.64 17.67

20/01/2010 35.07 17.77

10.92%

11.42%

11.54%

1

2

3

4

5

6

7

8

9

10

InveSTAR


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 2996.44

10.01% 10.79% NA NA 11.09% 11.42%22 29/1/2014 77.41 13.36 6.53% 6.67% 10.25% 11.03%

25/02/2009 9.78 18.04 6.47% 10.35% 10.03% 10.32% 8.04%10.95% 11.12%

31/03/2009 11.48 21.31 8.28% 9.78% 7.34% 10.48%

31/03/2009 3.76 17.89 6.29% 10.09% 9.79% 10.09% 7.96%

8.62%

10.95%

11.56%10.92%

6.85% 10.82% 10.46% 8.53%11.23% 10.95% 10.78%

8.32% 8.02%9.17%4.98% 9.00%

6.67% 12.17% 8.96%

10.33% 10.64% 8.27%

9.03% 7.52% 11.11% 9.30%

9.62%

11.23%

10.49%8.13%

6.77%

10.95%

8.62%

11.54%9.43%

11.23%

03/06/2011 439.00 14.71 4.06% 7.84% 8.12%

29/04/2011 68.38 16.33 7.38%

20/01/2010 17.00 17.90 9.97%

20/01/2010 5.41 17.14 7.05%

8.65%

6.85%

8.13%

6.85%

6.85%

8.71%

6.85%

8.11%

10.59%

8.19%

14

15

16

8.53%

8.50%

8.53%

9.18%

11.23%

10.49%

11.06%

20/01/2010 196.98 17.43

17

18

11.12%

11.56%

9.03%

11.12%

11.12%

11

12

13

NA 13.55% 12.71%

20 29/1/2014 121.95 14.12 10.20% 9.26% 8.70% 8.67% 4.74% 4.85% NA NA 13.33% 13.15%

19 29/1/2014 126.36 14.20 11.38%

8.13% 9.44% 10.49%

3.39% 2.92% NA9.10% 8.24% 7.31%

7.48% 8.62% NA NA 12.50% 12.61%

23 6/10/2015 9.78 11.18 6.97% 6.85% 11.26% 11.23% NA NA NA NA 11.80% 11.68%

21 29/1/2014 140.59 13.84 8.02%


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

SUD Life

Group

Retirement

BALANCED FUND

GROWTH FUND

10

EQUITY FUND

5

Dhan

Suraksha Plus

Wealth Builder

Plan

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

6

7

8

9

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

1

2

3

4

Product Name (UIN)

Dhan SurakshaDhan Suraksha

PremiumPrabhat Tara


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

21

17

GROUP UNIT LINKED FUND

DISCONTINUED FUND

BOND FUND

16

19

11

12

20

22

13

14

15

17

18


Investment Objective :

Date of Inception : SFIN No.

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

Products: AUM :

Rs. 489.77 Cr

Portfolio % to AUM

`

Equity 92.60% Minimum Maximum

Reliance Industries Ltd 7.22% 80% 100% 92.60%

Infosys Technologies Ltd. 7.12% 0% 20% 7.40%

ITC Ltd. 6.34%

Tata Motors Limited 5.95%

Larsen & Toubro Limited 5.85%

HDFC Bank Ltd 5.78%

Housing Development Finance Corporation Ltd. 5.14%

ICICI Bank Ltd 4.78%

Maruti Suzuki India Limited 4.42%

IndusInd Bank Limited 3.27%

Sun Pharmaceuticals Industries Ltd 3.12%

Grasim Industries Ltd. 2.54%

Axis Bank Limited 2.33%

Dr. Reddys Laboratories Ltd. 2.27%

Tata Consultancy Services Limited 2.27%

Bajaj Auto Limited 2 22%

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 :

CNX Nifty Index ‐ 90%

CRISIL Liquid Fund Index ‐ 10%

APEX EQUITY FUND -OCTOBER 2016

Equity

MM & Others

MM & Others7.40%

Asset Allocation (% to AUM)

Bajaj Auto Limited 2.22%

Oil & Natural Gas Corpn Ltd 2.10%

Lupin Limited 1.90%

Ultratech Cement Ltd. 1.87%

State Bank of India 1.77%

Hero Motocorp Ltd. 1.73%

Power Grid Corporation of India Limited 1.72%

HCL Technologies Ltd 1.61%

Asian Paints Ltd. 1.29%

Mahindra & Mahindra Ltd. 1.23%

Zee Entertainment Enterprises Ltd 1.14%

ACC Limited 1.07%

Others (with < 1% exposure) 4.56%

MM & Others 7.40%

Total 100.00%

`

1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionApex Equity Fund 0.37% 0.53% 11.61% 7.97% 2.72% 12.81% 8.90%

Benchmark 0.33% 0.18% 9.42% 7.24% 2.58% 10.92% 7.87%

Fund returns vis a vis BenchmarkAbsolute CAGR (Annualised)

23.11%

12.38%

11.60%

7.84%

7.49%

6.34%

5.85%

4.08%

3.95%

2.94%

Financial & Insurance Activities

Computer programming, consultancy and related activities

Manufacture of motor vehicles, trailers and semi‐trailers

Manufacture of coke and refined petroleum products

Manufacture of pharmaceuticals,medicinal chemical and botanical products

Manufacture of tobacco products

Civil engineering

Manufacture of chemicals and chemical products

Manufacture of other transport equipment

Manufacture of other non‐metallic mineral products

Top 10 Industry Exposure ( % to AUM)

Equity92.60%

8.509.009.5010.0010.5011.0011.5012.0012.5013.0013.5014.0014.5015.0015.5016.0016.5017.0017.5018.0018.5019.0019.5020.0020.50

Jan‐10

Apr‐10

Jul‐10

Oct‐10

Jan‐11

Apr‐11

Jul‐11

Sep‐11

Dec‐11

Mar‐12

Jun‐12

Sep‐12

Dec‐12

Mar‐13

Jun‐13

Sep‐13

Nov‐13

Feb‐14

May‐14

Aug‐14

Nov‐14

Feb‐15

May‐15

Aug‐15

Nov‐15

Jan‐16

Apr‐16

Jul‐16

Oct‐16

NAV/U

NIT (Rs)

NAV Performance (Since Inception)

NAV Benchmark


Investment Objective:


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

Products : AUM:

Rs. 46.35 Cr

Portfolio % to AUM

`




HDFC Bank Ltd 6.02%


ITC Ltd. 5.31%









Tata Power Co. Ltd. 2.34%

Yes Bank Limited 2.14%


Lupin Limited 1.97%



Mahindra & Mahindra Ltd 1 83%

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 - OCTOBER 2016

Equity91.47%

MM & Others8.53%








ACC Limited 1.39%

Hindustan Petroleum Corporation Ltd. 1.05%


MM & Others 8.53%

Total 100.00%

`

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

Equity Fund 0.59% 0.48% 11.30% 7.79% 3.06% 12.53% 16.45%

Benchmark 0.33% 0.18% 9.42% 7.24% 2.58% 10.92% 15.30%


23.41%

14.66%

10.50%

8.53%

7.38%

5.31%

5.23%

4.99%

4.75%

2.25%







Civil engineering

Infrastructure



Top 10 Industry Exposure (% to AUM)

9.50

11.00

12.50

14.00

15.50

17.00

18.50

20.00

21.50

23.00

24.50

26.00

27.50

29.00

30.50

32.00

33.50

Feb‐09

May‐09

Aug‐09

Nov‐09

Feb‐10

May‐10

Aug‐10

Nov‐10

Feb‐11

May‐11

Aug‐11

Nov‐11

Feb‐12

May‐12

Aug‐12

Nov‐12

Feb‐13

May‐13

Aug‐13

Nov‐13

Jan‐14

Apr‐14

Jul‐14

Oct‐14

Jan‐15

Apr‐15

Jul‐15

Oct‐15

Jan‐16

Apr‐16

Jul‐16

Oct‐16

NAV/U

NIT (R

s)


NAV Benchmark

% % % % % % %




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

Products : AUM :

Rs. 32.64 Cr

Portfolio % to AUM

`




ITC Ltd. 6.52%

HDFC Bank Ltd 5.90%
















Ultratech Cement Ltd 1 83%

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 :



INDIVIDUAL PENSION FUND APEX EQUITY - OCTOBER 2016

Equity

For New Dhruv Tara Products

MM & Others

Equity

MM & Others7.20%






Lupin Limited 1.60%


ACC Limited 1.07%Others (with < 1% exposure) 1.92%

MM & Others 7.20%

Total 100.00%

`

1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionIndividual Pension Fund ‐ Apex Equity 0.21% 0.47% 11.41% 7.32% 2.18% 12.08% 8.75%Benchmark 0.33% 0.18% 9.42% 7.24% 2.58% 10.92% 7.87%


23.87%

13.74%

10.39%

9.24%

7.54%

6.52%

5.49%

4.21%

4.10%

2.90%







Civil engineering



Manufacture of other non‐metallic mineral products


Equity92.80%

9.009.50

10.0010.5011.0011.5012.0012.5013.0013.5014.0014.5015.0015.5016.0016.5017.0017.5018.0018.5019.0019.5020.00

Jan‐10

Apr‐10

Jul‐10

Oct‐10

Jan‐11

Apr‐11

Jul‐11

Sep‐11

Dec‐11

Mar‐12

Jun‐12

Sep‐12

Dec‐12

Mar‐13

Jun‐13

Sep‐13

Nov‐13

Feb‐14

May‐14

Aug‐14

Nov‐14

Feb‐15

May‐15

Aug‐15

Nov‐15

Jan‐16

Apr‐16

Jul‐16

Oct‐16

NAV/U

NIT (R

s)


NAV Benchmark




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

Products : AUM :

Rs. 20.11 Cr

Portfolio % to AUM

`


HDFC Bank Ltd 7.29% 80% 100% 88.51%


Infosys Technologies Ltd. 6.41%

ITC Ltd. 5.63%












Lupin Limited 1.99%





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 :



INDIVIDUAL PENSION FUND EQUITY - OCTOBER 2016

MM & Others

Equity

For Dhruv Tara Products

Equity

MM & Others11.49%






Indian Oil Corporation Ltd 1.13%

Hindustan Petroleum Corporation Ltd. 1.07%

Kotak Mahindra Bank Limited 1.02%

Tata Power Co. Ltd. 1.02%Others (with < 1% exposure) 3.72%

MM & Others 11.49%

Total 100.00%

`

1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionIndividual Pension Fund ‐ Equity 0.43% ‐0.03% 10.81% 7.35% 2.64% 12.03% 14.20%Benchmark 0.33% 0.18% 9.42% 7.24% 2.58% 10.92% 14.27%


22.24%

13.91%

10.79%

9.02%

7.07%

5.63%

5.17%

4.26%

3.04%

2.41%







Civil engineering


Infrastructure

Extraction of crude petroleum and natural gas


Equity88.51%

9.50

11.50

13.50

15.50

17.50

19.50

21.50

23.50

25.50

27.50

29.50

Mar‐09

Jun‐09

Sep‐09

Dec‐09

Mar‐10

Jun‐10

Aug‐10

Nov‐10

Feb‐11

May‐11

Aug‐11

Nov‐11

Jan‐12

Apr‐12

Jul‐12

Oct‐12

Jan‐13

Apr‐13

Jun‐13

Sep‐13

Dec‐13

Mar‐14

Jun‐14

Aug‐14

Nov‐14

Feb‐15

May‐15

Aug‐15

Nov‐15

Jan‐16

Apr‐16

Jul‐16

Oct‐16

NAV/U

NIT (Rs)


NAV Benchmark




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

Products : AUM :

Rs. 126.36 Cr

Portfolio % to AUM


Tata Motors Limited 6.69% 70% 100% 84.80%


HDFC Bank Ltd 5.55%


Reliance Industries Ltd 4.93%


ITC Ltd. 4.50%

Lupin Limited 3.25%









Tech Mahindra Limited 2.00%




Actual

Equity

INDIVIDUAL BLUE CHIP EQUITY - OCTOBER 2016

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 :



MM & Others15.20%








HCL Technologies Ltd 1.02%Others (with < 1% exposure) 7.92%

MM & Others 15.20%

Total 100.00%

`

1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionBluechip Equity Fund 0.76% 0.60% 11.38% 8.24% 3.39% NA 13.55%Benchmark 0.34% 0.27% 9.10% 7.31% 2.92% NA 12.71%


21.95%

12.74%

11.42%

7.86%

6.01%

4.60%

4.50%

4.09%

3.63%

2.45%






Civil engineering



Infrastructure

Extraction of crude petroleum and natural gas


Equity84.80%

9.50

10.00

10.50

11.00

11.50

12.00

12.50

13.00

13.50

14.00

14.50

15.00

Jan‐14

Mar‐ …

Apr‐…

May‐…

Jun‐14

Aug‐…

Sep‐…

Oct‐14

Nov‐…

Jan‐15

Feb‐ …

Mar‐…

Apr‐…

Jun‐15

Jul‐15

Aug‐…

Sep‐…

Nov‐…

Dec‐…

Jan‐16

Feb‐ …

Apr‐…

May‐…

Jun‐16

Jul‐16

Sep‐ …

Oct‐16

NAV/U

NIT (Rs)

NAV Performance (Since Inception)NAV Benchmark




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

Products : AUM :

Rs. 539.11 Cr

Portfolio % to AUM

`






HDFC Bank Ltd 4.25%

ITC Ltd. 4.14%













Lupin Limited 1.51%






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%

APEX GROWTH FUND - OCTOBER 2016

Equity

Debt, MM & Others

Debt28.47%

Equity70.36%

MM & Others1.17%


AAA38.55%

Gilts44.22%

Debt Rating Profile (% of Debt)

Debt 28.47%

Gilts & SDL 12.59%

GOI 11.98%

SDL (with < 1% exposure) 0.60%

Corporate Bonds 15.88%

POWER GRID CORPORATION OF INDIA LTD 2.33%

POWER FINANCE CORPORATION LTD. 1.50%

RURAL ELECTRIFICATION CORPORATION L 1.42%

LIC HOUSING FINANCE LTD 1.24%

HDFC LTD. 1.05%

SUNDARAM FINANCE LTD. 1.03%


MM & Others 1.17%

Total 100.00%

`

1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionApex Growth Fund 0.52% 1.14% 10.80% 9.84% 5.35% 13.19% 9.28%Benchmark 0.45% 1.00% 9.26% 8.67% 4.85% 11.42% 8.26%


23.67%

10.55%

9.10%

8.26%

6.90%

5.30%

4.36%

4.17%

4.14%

2.29%



Infrastructure




Civil engineering



Housing Sector


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

5.26%

10.98%

15.31%

39.95%

28.50%

Debt Maturity Profile ( % of Debt)

AA+9.84%AA

4.07%

AA‐3.32%

Modified Duration ‐ 5.15 yrs

9.50

10.50

11.50

12.50

13.50

14.50

15.50

16.50

17.50

18.50

19.50

Jan‐10

Apr‐10

Jul‐10

Oct‐10

Jan‐11

Apr‐11

Jul‐11

Sep‐11

Dec‐11

Mar‐12

Jun‐12

Sep‐12

Dec‐12

Mar‐13

Jun‐13

Sep‐13

Nov‐13

Feb‐14

May‐14

Aug‐14

Nov‐14

Feb‐15

May‐15

Aug‐15

Nov‐15

Jan‐16

Apr‐16

Jul‐16

Oct‐16

NAV/U

NIT (Rs)


NAV Benchmark




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

Products : AUM:

Rs. 135.66 Cr

Portfolio % to AUM

`


HDFC Bank Ltd 5.37% 40% 100% 72.14%



ITC Ltd. 4.35%















Lupin Limited 1.49%



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


Tara & Dhan Suraksha Express.

Benchmark :



GROWTH FUND - OCTOBER 2016

Equity

Debt, MM & Others

AAA28.21%Gilts

53.52%


Debt, 25.76%

Equity, 72.14%

MM & Others, 2.09%








Debt 25.76%

Gilts & SDL 13.79%

GOI 13.79%



STEEL AUTHORITY OF INDIA LTD. 2.45%

RELIANCE PORTS & TERMINALS LTD. 2.06%


THE INDIAN HOTELS COMPANY LTD. 1.48%


MM & Others 2.09%

Total 100.00%

`

23.30%

10.24%

8.20%

5.73%

5.54%

4.96%

4.35%

4.27%

3.23%

3.01%




Infrastructure




Civil engineering

Manufacture of Basic Metals


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

8.36% 8.78%

19.02%

30.47%33.37%


AA15.27%

AA‐3.00%

9.0010.5012.0013.5015.0016.5018.0019.5021.0022.5024.0025.5027.0028.5030.00

Feb‐09

May‐09

Aug‐09

Nov‐09

Feb‐10

May‐10

Aug‐10

Nov‐10

Feb‐11

May‐11

Aug‐11

Nov‐11

Feb‐12

May‐12

Aug‐12

Nov‐12

Feb‐13

May‐13

Aug‐13

Nov‐13

Jan‐14

Apr‐14

Jul‐14

Oct‐14

Jan‐15

Apr‐15

Jul‐15

Oct‐15

Jan‐16

Apr‐16

Jul‐16

Oct‐16

NAV/U

NIT (R

s)



1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionGrowth Fund 0.44% 1.15% 10.26% 8.75% 5.02% 12.99% 15.54%Benchmark 0.45% 1.00% 9.26% 8.67% 4.85% 11.42% 14.00%





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

Products : AUM :

Rs. 35.07 Cr

Portfolio % to AUM

`




HDFC Bank Ltd 5.40%

ITC Ltd. 4.51%













Lupin Limited 1.75%





Others (with < 1% exposure) 4 25%

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 :



INDIVIDUAL PENSION FUND APEX GROWTH - OCTOBER 2016

Equity


Debt, MM & Others

Debt28.52%

Equity68.24%

MM & Others3.24%


AAA46.17%



Debt 28.52%

Gilts & SDL 10.93%

GOI 7.88%

SDL ‐ TAMIL NADU 3.06%SDL (with < 1% exposure) 0.00%





RELIANCE GAS TRANSPORTN INFRA LTD. 1.59%

HINDALCO INDUSTRIES LTD. 1.49%

HDB FINANCIAL SERVICES LTD 1.44%

RELIANCE CAPITAL LTD. 1.44%Others (with < 1% exposure) 0.00%

MM & Others 3.24%

Total 100.00%

`

1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionIndividual Pension Fund ‐ Apex Growth 0.59% 0.85% 10.11% 8.93% 4.50% 12.06% 8.84%Benchmark 0.45% 1.00% 9.26% 8.67% 4.85% 11.42% 8.26%


23.63%

10.77%

8.97%

8.34%

6.36%

5.36%

4.51%

4.42%

4.20%

3.59%



Infrastructure






Civil engineering

Housing Sector


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

10.10%

46.33%

35.51%

8.06%


AA10.26%

AA‐5.23%

Gilts38.33%

9.00

10.50

12.00

13.50

15.00

16.50

18.00

19.50

21.00

22.50

Jan‐10

Apr‐10

Jul‐10

Oct‐10

Jan‐11

Apr‐11

Jul‐11

Sep‐11

Dec‐11

Mar‐12

Jun‐12

Sep‐12

Dec‐12

Mar‐13

Jun‐13

Sep‐13

Nov‐13

Feb‐14

May‐14

Aug‐14

Nov‐14

Feb‐15

May‐15

Aug‐15

Nov‐15

Jan‐16

Apr‐16

Jul‐16

Oct‐16

NAV/U

NIT (Rs)


NAV Benchmark





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

Products : AUM :

Rs. 19.61 Cr

Portfolio % to AUM

`


Housing Development Finance Corporation Ltd. 6.07% 40% 100% 70.71%

ICICI Bank Ltd 5.57% 0% 60% 29.29%

Infosys Technologies Ltd. 5.12%

ITC Ltd. 4.65%





HDFC Bank Ltd 3.60%















Debt 25.63%

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 - OCTOBER 2016


Actual

Equity

Debt, MM & Others

AAA41.80%


Debt25.63%

Equity70.71%

MM & Others3.66%


Debt 25.63%

Gilts & SDL 10.82%

GOI 6.59%

SDL ‐ KERALA 2.82%

SDL MAHARASHTRA 1.41%



INDIAN OIL CORPORATION LTD 4.34%


THE GREAT EASTERN SHIPPING CO. LTD. 3.79%

RELIANCE GAS TRANSPORTN INFRA LTD. 1.64%Others (with < 1% exposure) 0.94%

MM & Others 3.66%

Total 100.00%

`

1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionI di id l P i F d G th 0 18% 0 32% 9 08% 6 92% 3 36% 10 86% 12 36%


24.23%

11.63%

8.59%

8.57%

4.65%

4.10%

3.92%

3.85%

3.79%

2.99%






Accommodation


Civil engineering

Water transport

Infrastructure



18.03%

27.57%

10.57%

24.57%

19.27%


AA15.99%

Gilts42.20%

9.00

10.50

12.00

13.50

15.00

16.50

18.00

19.50

21.00

22.50

24.00

Mar‐09

Jul‐09

Oct‐09

Jan‐10

Apr‐10

Jul‐10

Oct‐10

Jan‐11

Apr‐11

Jul‐11

Oct‐11

Jan‐12

Apr‐12

Jul‐12

Oct‐12

Jan‐13

Apr‐13

Jul‐13

Oct‐13

Jan‐14

Apr‐14

Jul‐14

Oct‐14

Jan‐15

Apr‐15

Jul‐15

Oct‐15

Jan‐16

Apr‐16

Jul‐16

Oct‐16

NAV/U

NIT (Rs)


NAV Benchmark


Individual Pension Fund ‐ Growth 0.18% 0.32% 9.08% 6.92% 3.36% 10.86% 12.36%Benchmark 0.45% 1.00% 9.26% 8.67% 4.85% 11.42% 13.23%




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

Products : AUM:

Rs. 121.95 Cr

Portfolio % to AUM

`



ICICI Bank Ltd 4.96% 0% 60% 25.35%



HDFC Bank Ltd 4.06%

ITC Ltd. 3.65%














Lupin Limited 1.29%

Zee Entertainment Enterprises Ltd 1 24%

Benchmark :

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.

GROWTH PLUS FUND - OCTOBER 2016



For Dhan Suraksha Plus & Wealth Builder Plan.

Asset Mix


Actual

MM & Others

Equity

Debt

AAA25.78%


Debt25.35%

Equity65.76%

MM & Others8.89%






Debt 25.35%

Gilts & SDL 17.13%

GOI 16.03%



HDFC LTD. 2.42%




MM & Others 8.89%

Total 100.00%

`

1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionCAGR (Annualised)

Fund returns vis a vis BenchmarkAbsolute

21.88%

7.93%

6.71%

6.06%

5.57%

4.38%

4.10%

3.65%

3.12%

2.85%



Infrastructure



Civil engineering




Housing Sector



3.28%8.39% 11.86%

54.18%

22.29%



AA+5.00%

AA‐1.64%

Gilts67.58%

9.50

10.00

10.50

11.00

11.50

12.00

12.50

13.00

13.50

14.00

14.50

15.00

Jan‐14

Mar‐14

Apr‐14

May‐14

Jun‐14

Jul‐14

Aug‐14

Sep‐14

Oct‐14

Nov‐14

Dec‐14

Jan‐15

Feb‐15

Mar‐15

Apr‐15

May‐15

Jun‐15

Jul‐15

Aug‐15

Sep‐15

Oct‐15

Nov‐15

Dec‐15

Jan‐16

Feb‐16

Mar‐16

Apr‐16

May‐16

Jun‐16

Jul‐16

Aug‐16

Sep‐16

Oct‐16

NAV/U

NIT (R

s)


NAV Benchmark

Growth Plus Fund 0.61% 1.16% 10.20% 8.70% 4.74% NA 13.33%

Benchmark 0.45% 1.00% 9.26% 8.67% 4.85% NA 13.15%




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

Products : AUM :

Rs. 425.48 Cr

Portfolio % to AUM

`



HDFC Bank Ltd 3.66% 35% 65% 49.07%




ITC Ltd. 2.85%













Lupin Limited 1.00%


Debt 46.43%

Gilts & SDL 21.10%

GOI 14.98%

SDL ‐ TAMIL NADU 3.54%


Asset Mix

Particulars

APEX BALANCED FUND - OCTOBER 2016

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 :



Debt46.43%

Equity50.93%

MM & Others2.64%

Asset Allocation( % to AUM)

AAA38.32%

Gilts45.45%









HDFC LTD. 1.52%



UNITED PHOSPHORUS LTD. 1.25%

M & M FINANCIAL SERVICES LTD. 1.20%

HINDUSTAN PETROLEUM CORPORATION LTD 1.20%

IL & FS LTD. 1.17%


MM & Others 2.64%

Total 100.00%

`

1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionApex Balanced Fund 0 59% 1 80% 9 55% 10 13% 7 08% 12 51% 9 21%


23.34%

11.39%

7.72%

5.46%

4.88%

3.72%

3.47%

3.47%

3.08%

2.85%


Infrastructure




Housing Sector

Civil engineering






4.85%

12.65% 13.87%

47.91%

20.71%


AA+9.26%

AA1.33%

AA‐5.65%

9.00

10.00

11.00

12.00

13.00

14.00

15.00

16.00

17.00

18.00

19.00

Jan‐10

Apr‐10

Jul‐10

Oct‐10

Jan‐11

Apr‐11

Jul‐11

Sep‐11

Dec‐11

Mar‐12

Jun‐12

Sep‐12

Dec‐12

Mar‐13

Jun‐13

Sep‐13

Nov‐13

Feb‐14

May‐14

Aug‐14

Nov‐14

Feb‐15

May‐15

Aug‐15

Nov‐15

Jan‐16

Apr‐16

Jul‐16

Oct‐16

NAV/U

NIT (Rs)


NAV Benchmark


Apex Balanced Fund 0.59% 1.80% 9.55% 10.13% 7.08% 12.51% 9.21%Benchmark 0.54% 1.66% 8.71% 9.62% 6.77% 11.54% 8.50%




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

Products : AUM :

Rs. 24.77 Cr

Portfolio % to AUM

`



ICICI Bank Ltd 2.05% 40% 100% 71.87%




ITC Ltd. 1.58%

HDFC Bank Ltd 1.52%







Sun Pharmaceuticals Industries Ltd 1.05%Others (with < 1% exposure) 6.98%

Debt 63.18%

Gilts & SDL 32.30%

GOI 30.02%




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 :



BALANCED FUND - OCTOBER 2016

Equity

Debt, MM & Others

Debt63.18%

Equity28.13%

MM & Others8.70%


AAA32.67%

Gilts51.13%


THE INDIAN HOTELS COMPANY LTD. 5.27%STEEL AUTHORITY OF INDIA LTD. 4.97%THE GREAT EASTERN SHIPPING CO. LTD. 4.28%


LARSEN & TOUBRO LTD. 3.35%


HDB FINANCIAL SERVICES LTD 2.04%



IRFC LTD. 1.28%


MM & Others 8.70%

Total 100.00%

`


Balanced Fund 0 46% 1 61% 7 11% 8 35% 6 72% 10 18% 10 75%


11.71%

5.27%

4.97%

4.95%

4.71%

4.50%

4.28%

3.80%

3.76%

3.44%


Accommodation


Civil engineering

Infrastructure


Water transport

Housing Sector





12.88%

20.24%

14.71%

30.60%

21.57%

Debt Maturity Profile (% of Debt)

AA16.21%

9.5010.0010.5011.0011.5012.0012.5013.0013.5014.0014.5015.0015.5016.0016.5017.0017.5018.0018.5019.0019.5020.0020.5021.0021.5022.0022.5023.00

Feb‐09

May‐09

Aug‐09

Nov‐09

Feb‐10

May‐10

Aug‐10

Nov‐10

Feb‐11

May‐11

Aug‐11

Nov‐11

Feb‐12

May‐12

Aug‐12

Oct‐12

Jan‐13

Apr‐13

Jul‐13

Oct‐13

Jan‐14

Apr‐14

Jul‐14

Oct‐14

Jan‐15

Apr‐15

Jul‐15

Oct‐15

Jan‐16

Apr‐16

Jul‐16

Oct‐16

NAV/U

NIT (Rs)



Balanced Fund 0.46% 1.61% 7.11% 8.35% 6.72% 10.18% 10.75%

Benchmark 0.62% 2.32% 8.13% 10.49% 8.62% 11.56% 10.80%




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

Products : AUM :

Rs. 17.00 Cr

Portfolio % to AUM

`




ICICI Bank Ltd 3.99%ITC Ltd. 3.89%Reliance Industries Ltd 3.85%


HDFC Bank Ltd 3.04%

Larsen & Toubro Limited 2.76%Maruti Suzuki India Limited 2.59%State Bank of India 2.37%

Tata Consultancy Services Limited 2.12%IndusInd Bank Limited 2.06%

Sun Pharmaceuticals Industries Ltd 1.97%Axis Bank Limited 1.58%Power Grid Corporation of India Limited 1.19%Oil & Natural Gas Corpn Ltd 1.11%HCL Technologies Ltd 1.06%Others (with < 1% exposure) 2.45%

Debt 49 85%

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 :



INDIVIDUAL PENSION FUND APEX BALANCED - OCTOBER 2016

Equity


Debt, MM & Others

AAA39 51%


Debt49.85%

Equity48.33%

MM & Others1.82%


Debt 49.85%

Gilts & SDL 24.06%

GOI 24.06%

SDL ‐ Other States (with < 1% exposure) 0.00%


IL & FS LTD. 6.53%



TATA SONS LTD. 3.09%


STEEL AUTHORITY OF INDIA LTD. 3.02%Others (with < 1% exposure) 0.61%

MM & Others 1.82%

Total 100.00%

`

1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionIndividual Pension Fund ‐ Apex Balanced 0.57% 1.91% 9.97% 9.43% 6.67% 12.17% 8.96%


20.73%

11.00%

7.83%

6.18%

6.10%

5.65%

4.46%

3.89%

2.76%

1.97%


Infrastructure


Housing Sector





Civil engineering



3‐5 years 5‐10 years > 10 years

32.47%

38.48%

29.05%


39.51%

AA6.06%AA‐

6.18%

Gilts48.26%

9.30

10.30

11.30

12.30

13.30

14.30

15.30

16.30

17.30

18.30

19.30

Jan‐10

Apr‐10

Jul‐10

Oct‐10

Jan‐11

Apr‐11

Jul‐11

Sep‐11

Dec‐11

Mar‐12

Jun‐12

Sep‐12

Dec‐12

Mar‐13

Jun‐13

Sep‐13

Nov‐13

Feb‐14

May‐14

Aug‐14

Nov‐14

Feb‐15

May‐15

Aug‐15

Nov‐15

Jan‐16

Apr‐16

Jul‐16

Oct‐16

NAV/U

NIT (Rs)


NAV Benchmark


Benchmark 0.54% 1.66% 8.71% 9.62% 6.77% 11.54% 8.50%




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

Products : AUM :

Rs. 11.48 Cr

Portfolio % to AUM

`



HDFC Bank Ltd 2.19% 40% 100% 70.91%


ICICI Bank Ltd 2.00%Reliance Industries Ltd 1.98%

ITC Ltd. 1.93%











Debt 66.61%

Gilts & SDL 35.72%

GOI 21.19%SDL MAHARASHTRA 9.72%SDL ‐ KERALA 4.81%SDL (with < 1% exposure) 0.00%


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 :



INDIVIDUAL PENSION FUND BALANCED - OCTOBER 2016

Equity


Debt, MM & Others

AAA37.17%


Debt66.61%

Equity29.09%

MM & Others4.30%


p

LIC HOUSING FINANCE LTD 7.25%THE INDIAN HOTELS COMPANY LTD. 6.13%RELIANCE PORTS & TERMINALS LTD. 4.87%


IL & FS LTD. 1.92%

HDFC LTD. 1.91%


STATE BANK OF INDIA 1.43%


MM & Others 4.30%

Total 100.00%

`

1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionFund returns vis a vis Benchmark


11.54%

9.16%

8.59%

6.13%

4.62%

3.73%

3.58%

2.92%

2.83%

2.74%


Housing Sector

Infrastructure

Accommodation

Water transport


Civil engineering






13.22%

1.40%

23.86%

36.55%

24.97%



AA9.20%

Gilts53.63%

9.5010.0010.5011.0011.5012.0012.5013.0013.5014.0014.5015.0015.5016.0016.5017.0017.5018.0018.5019.0019.5020.0020.5021.0021.5022.0022.50

Mar‐09

Jun‐09

Sep‐09

Dec‐09

Mar‐10

Jun‐10

Aug‐10

Nov‐10

Feb‐11

May‐11

Aug‐11

Nov‐11

Jan‐12

Apr‐12

Jul‐12

Oct‐12

Jan‐13

Apr‐13

Jun‐13

Sep‐13

Dec‐13

Mar‐14

Jun‐14

Aug‐14

Nov‐14

Feb‐15

May‐15

Aug‐15

Nov‐15

Jan‐16

Apr‐16

Jul‐16

Oct‐16

NAV/U

NIT (Rs)


NAV Benchmark

Individual Pension Fund ‐ Balanced 0.52% 1.84% 8.28% 9.78% 7.34% 10.92% 10.48%Benchmark 0.62% 2.32% 8.13% 10.49% 8.62% 11.56% 10.59%



Date of Inception : SFIN No. Benchmark :

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


Products : AUM :

For Dhan Suraksha Express Rs. 68.38 Cr

Portfolio % to AUM

`



HDFC Bank Ltd 1.84% 40% 100% 71.66%




ITC Ltd. 1.62%








Debt 66.66%

Gilts & SDL 33.36%

GOI 28.64%



Other SDL (with < 1% exposure) 0.81%


THE GREAT EASTERN SHIPPING CO LTD 3 88%

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

EXPRESS BALANCED FUND - OCTOBER 2016

Equity

Debt, MM & Others


Debt66.66%

Equity28.34%

MM & Others5.00%





IL & FS LTD. 2.85%


VEDANTA LIMITED 2.23%




STCI FINANCE LIMITED 1.50%



HDFC LTD. 1.09%


MM & Others 5.00%

Total 100.00%



15.76%

11.58%

4.44%

3.88%

3.47%

3.36%

3.25%

2.44%

2.23%

2.09%

Infrastructure



Water transport


Housing Sector


Civil engineering

Mining of metal ores




3.74%

13.01%

21.82%

43.04%

18.39%


AAA40.58%

AA3.33%

AA‐6.05%

Gilts50.04%

9.50

10.50

11.50

12.50

13.50

14.50

15.50

16.50

17.50

Apr‐11

Jul‐11

Oct‐11

Jan‐12

Apr‐12

Jul‐12

Oct‐12

Jan‐13

Apr‐13

Jul‐13

Oct‐13

Jan‐14

Apr‐14

Jul‐14

Oct‐14

Jan‐15

Apr‐15

Jul‐15

Oct‐15

Jan‐16

Apr‐16

Jul‐16

Oct‐16

NAV/U

NIT (Rs)


NAV Benchmark


pExpress Balanced Fund 0.50% 1.77% 7.38% 9.03% 7.52% 11.11% 9.30%

Benchmark 0.62% 2.32% 8.13% 10.49% 8.62% 11.56% 9.18%




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


Products : AUM :

For Dhan Suraksha Plus & Wealth Builder Plan Rs.140.59 Cr

Portfolio % to AUM

`


HDFC Bank Ltd 2.89% 0% 60% 28.91%




ITC Ltd. 1.74%









Debt 57.47%

Gilts & SDL 32.84%

GOI 28.63%






HDFC LTD. 3.05%

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

BALANCED PLUS FUND - OCTOBER 2016

MM & Others

Equity

Debt

AAA3 99%

Gilts57.15%


Debt57.47%

Equity28.91%

MM & Others13.62%







STCI FINANCE LIMITED 1.46%

IRFC LTD. 1.01%


MM & Others 13.62%

Total 100.00%

`



13.40%

9.14%

4.67%

3.81%

3.43%

2.60%

2.49%

1.85%

1.80%

1.74%


Infrastructure

Civil engineering

Housing Sector









1.74%

9.67%

19.83%

42.42%

26.34%


31.99%

AA+1.87%

AA1.77%

AA‐7.23%

9.9010.1010.3010.5010.7010.9011.1011.3011.5011.7011.9012.1012.3012.5012.7012.9013.1013.3013.5013.7013.9014.1014.30

Jan‐14

Apr‐14

Jul‐14

Oct‐14

Dec‐14

Mar‐15

Jun‐15

Aug‐15

Nov‐15

Feb‐16

Apr‐16

Jul‐16

Oct‐16

NAV/U

NIT (Rs)


NAV Benchmark


Balanced Plus Fund 0.54% 2.08% 8.02% 9.44% 7.48% NA 12.50%Benchmark 0.62% 2.32% 8.13% 10.49% 8.62% NA 12.61%




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

Products : AUM :

Rs. 196.98 Cr

Portfolio % to AUM

`

Debt 94.36% Minimum Maximum

Gilts & SDL 40.22% 80% 100% 94.36%

GOI 36.73% 0% 20% 5.64%




NATIONAL THERMAL POWER CORPORATION 3.86%



IL & FS LTD. 3.56%



DEWAN HOUSING FINANCE CORP. LTD. 2.84%

HDFC LTD. 2.72%






TATA CAPITAL FINANCIAL SERVICES LTD 1 56%

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




Benchmark :



APEX BOND FUND - OCTOBER 2016

DEBT

MM & Others

Particulars

Debt94.36%

MM & Others5.64%


AAA39.66%Gilts

42.63%


TATA CAPITAL FINANCIAL SERVICES LTD 1.56%


L&T HOUSING FINANCE LIMITED 1.35%

MRF LTD. 1.35%



FULLERTON INDIA CREDIT COMPANY LTD. 1.04%

L & T FINANCE LTD. 1.04%




MM & Others 5.64%

Total 100.00%

`

1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionFund returns vis a vis Benchmark Absolute CAGR (Annualised)

19.06%

11.54%

10.61%

4.17%

3.06%

1.40%

1.35%

1.33%

1.03%

1.02%

Infrastructure


Housing Sector



Water transport

Manufacture of rubber and plastics products

Civil engineering


Accommodation



2.16%

16.18%13.26%

43.48%

24.92%


AA+10.57%

AA4.14%

AA‐3.00%

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

Jan‐10

Apr‐10

Jul‐10

Oct‐10

Jan‐11

Apr‐11

Jul‐11

Sep‐11

Dec‐11

Mar‐12

Jun‐12

Sep‐12

Dec‐12

Mar‐13

Jun‐13

Sep‐13

Nov‐13

Feb‐14

May‐14

Aug‐14

Nov‐14

Feb‐15

May‐15

Aug‐15

Nov‐15

Jan‐16

Apr‐16

Jul‐16

Oct‐16

NAV/U

NIT (Rs)


NAV Benchmark


1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionApex Bond Fund 0.81% 3.05% 6.85% 10.82% 10.46% 10.78% 8.53%Benchmark 0.71% 3.12% 6.85% 11.23% 10.95% 11.12% 8.53%




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


Products : AUM :

Rs. 9.78 Cr

Portfolio % to AUM

`


Gilts & SDL 54.27% 80% 100% 94.74%

GOI 44.24% 0% 20% 5.26%


SDL GUJARAT 3.20%










RELIANCE INDUSTRIES LTD 3.20%


HDFC LTD 1 12%

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

For Dhan Suraksha, Dhan Suraksha Premium, Prabhat Tara.

BOND FUND - OCTOBER 2016

Debt

MM & Others

Debt94.74%

MM & Others5.26%


AAA36.91%


HDFC LTD. 1.12%




MM & Others 5.26%

Total 100.00%

`

1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionBond Fund 0.55% 2.69% 6.47% 10.35% 10.03% 10.32% 8.04%


11.39%

7.44%

6.42%

5.43%

4.46%

4.29%

1.04%

Infrastructure

Housing Sector

Civil engineering

Water transport






3.25%

18.30%

27.59%

24.19%26.68%


AA+4.71%AA

1.10%

Gilts57.28%

9.50

10.50

11.50

12.50

13.50

14.50

15.50

16.50

17.50

18.50

Feb‐09

May‐09

Aug‐09

Nov‐09

Feb‐10

May‐10

Aug‐10

Nov‐10

Feb‐11

May‐11

Aug‐11

Nov‐11

Feb‐12

May‐12

Aug‐12

Nov‐12

Feb‐13

May‐13

Aug‐13

Nov‐13

Jan‐14

Apr‐14

Jul‐14

Oct‐14

Jan‐15

Apr‐15

Jul‐15

Oct‐15

Jan‐16

Apr‐16

Jul‐16

Oct‐16

NAV/U

NIT (Rs)



Benchmark 0.71% 3.12% 6.85% 11.23% 10.95% 11.12% 8.11%




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

Products : AUM :

For New Dhruv Tara Products Rs. 5.41 Cr

Portfolio % to AUM

`


Gilts & SDL 67.71% 80% 100% 93.91%

GOI 49.63% 0% 20% 6.09%


SDL ‐ TAMIL NADU 3.96%SDL (with < 1% exposure) 0.00%




HDFC LTD. 4.05%



LARSEN & TOUBRO LTD. 1.93%Others (with < 1% exposure) 0.00%

MM & Others 6.09%

Total 100.00%

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

Benchmark :



INDIVIDUAL PENSION FUND APEX BOND - OCTOBER 2016

DEBT

MM & Others


Debt93.91%

MM & Others6.09%


AAA23.78%

AA‐4.12%


`



12.48%

4.05%

3.88%

3.87%

1.93%

Infrastructure

Housing Sector



Civil engineering

1‐3 years 3‐5 years 5‐10 years > 10 years

4.13%

33.93%

35.44%

26.50%


Gilts72.10%

9.50

10.50

11.50

12.50

13.50

14.50

15.50

16.50

Jan‐10

Apr‐10

Jul‐10

Oct‐10

Jan‐11

Apr‐11

Jul‐11

Sep‐11

Dec‐11

Mar‐12

Jun‐12

Sep‐12

Dec‐12

Mar‐13

Jun‐13

Sep‐13

Nov‐13

Feb‐14

May‐14

Aug‐14

Nov‐14

Feb‐15

May‐15

Aug‐15

Nov‐15

Jan‐16

Apr‐16

Jul‐16

Oct‐16

NAV/U

NIT (Rs)


NAV Benchmark


Individual Pension Fund ‐ Apex Bond 0.63% 2.99% 7.05% 11.06% 10.33% 10.64% 8.27%

Benchmark 0.71% 3.12% 6.85% 11.23% 10.95% 11.12% 8.53%




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

Products : AUM :

Rs. 3.76 Cr

Portfolio % to AUM

`


Gilts & SDL 54.30% 80% 100% 96.67%

GOI 42.85% 0% 20% 3.33%






MRF LTD. 5.87%








NATIONAL BANK FOR AGRI & RURAL DEVE 2.69%


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

Benchmark :



INDIVIDUAL PENSION FUND BOND - OCTOBER 2016

Debt


MM & Others

Debt96.67%

MM & Others3.33%


AAA38.19%


MM & Others 3.33%

Total 100.00%

`



14.33%

5.87%

5.66%

5.52%

5.45%

2.82%

2.72%

Infrastructure



Civil engineering


Water transport

Housing Sector



5.59%

25.91%

23.09%

18.19%

27.22%


AA5.64%

Gilts56.17%

9.70

10.70

11.70

12.70

13.70

14.70

15.70

16.70

17.70

18.70

Mar‐09

Jun‐09

Sep‐09

Dec‐09

Mar‐10

Jun‐10

Aug‐10

Nov‐10

Feb‐11

May‐11

Aug‐11

Nov‐11

Jan‐12

Apr‐12

Jul‐12

Oct‐12

Jan‐13

Apr‐13

Jun‐13

Sep‐13

Dec‐13

Mar‐14

Jun‐14

Aug‐14

Nov‐14

Feb‐15

May‐15

Aug‐15

Nov‐15

Jan‐16

Apr‐16

Jul‐16

Oct‐16

NAV/U

NIT (Rs)


NAV Benchmark


1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionIndividual Pension Fund ‐ Bond 0.50% 2.67% 6.29% 10.09% 9.79% 10.09% 7.96%Benchmark 0.71% 3.12% 6.85% 11.23% 10.95% 11.12% 8.19%




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

Products : AUM :

Rs. 77.41 Cr

Portfolio % to AUM

`


Gilts & SDL 53.29% 70% 100% 91.54%

GOI 51.54% 0% 30% 8.46%





HDFC LTD. 4.61%








IRFC LTD. 1.41%


L&T HOUSING FINANCE LIMITED 1.37%


FULLERTON INDIA CREDIT COMPANY LTD. 1.33%

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.

Benchmark :


INDIVIDUAL LIFE INCOME FUND - OCTOBER 2016


MM & Others

For Dhan Suraksha Plus & Wealth Builder Plan

Asset Mix


Actual

Debt

Debt91.54%

MM & Others8.46%


AAA27.30%

Gilts58.21%




MM & Others 8.46%

Total 100.00%



AA+3.74%

AA6.12%

AA‐4.63%


2.27%

8.06%

17.38%

43.13%

29.17%


9.50

10.00

10.50

11.00

11.50

12.00

12.50

13.00

13.50

14.00

Jan‐14

Feb‐14

Mar‐14

Apr‐14

May‐14

Jun‐14

Jul‐14

Aug‐14

Sep‐14

Oct‐14

Nov‐14

Dec‐14

Jan‐15

Feb‐15

Mar‐15

Apr‐15

May‐15

Jun‐15

Jul‐15

Aug‐15

Sep‐15

Oct‐15

Nov‐15

Dec‐15

Jan‐16

Feb‐16

Mar‐16

Apr‐16

May‐16

Jun‐16

Jul‐16

Aug‐16

Sep‐16

Oct‐ 16

NAV/U

NIT (Rs)


NAV Benchmark


9.85%

5.98%

5.65%

5.52%

4.09%

2.88%

2.07%

2.02%

1.30%

0.96%

Infrastructure

Housing Sector


Civil engineering



FDCD Non Promoter Group


Accommodation

Water transport


1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionIndividual Life Income Fund 0.53% 2.67% 6.53% 10.25% 10.01% NA 11.09%Benchmark 0.70% 3.04% 6.67% 11.03% 10.79% NA 11.42%




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

Products : AUM :

Rs. 9.78 Cr

Portfolio % to AUM

`


Gilts & SDL 49.57% 70% 100% 93.03%

GOI 38.80% 0% 30% 6.97%

SDL GUJARAT 6.46% 0% 15% 0.00%

SDL MAHARASHTRA 4.31% 0% 15% 0.00%



MRF LTD. 5.65%

NATIONAL THERMAL POWER CORPORATION 5.52%






HDFC LTD. 3.36%



MM & Others 6.97%

Mutual Fund 0.00%

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


MM & Others

Mutual Funds

GROUP DEBT FUND - OCTOBER 2016

For SUD Life Group Retirement Benefit Plan

Asset Mix


Actual

Fixed Deposits with Banks

Debt92.13%

MM & Others7.87%



Fixed Deposit with Banks 0.00%

Total 100.00%



AAA46.72%

Gilts53.28%

1‐3 years 3‐5 years 5‐10 years > 10 years

9.20%

22.25%

46.41%

22.15%


10.00

10.20

10.40

10.60

10.80

11.00

11.20

11.40

6‐Oct‐15

23‐Oct‐15

9‐Nov‐15

26‐Nov‐15

13‐Dec‐15

30‐Dec‐15

16‐Jan‐16

2‐Feb‐16

19‐Feb‐16

7‐Mar‐16

24‐Mar‐16

10‐Apr‐16

27‐Apr‐16

14‐May‐16

31‐May‐16

17‐Jun‐16

4‐Jul‐16

21‐Jul‐16

7‐Aug‐16

24‐Aug‐16

10 ‐Sep‐16

27‐Sep‐16

14‐Oct‐16

31‐Oct‐16

NAV/U

NIT (Rs)


NAV Benchmark


10.84%

8.77%

5.65%

5.34%

5.31%

4.30%

3.25%

Infrastructure

Housing Sector



Civil engineering


Water transport


pGroup Debt Fund 0.57% 2.99% 6.97% 11.26% NA NA 11.80%Benchmark 0.88% 3.12% 6.85% 11.23% NA NA 11.68%




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 Plan Rs. 439.00 Cr

Portfolio % to AUM

Debt & MM 100.00% Minimum Maximum

Gilts & SDL 68.74% 60% 100% 68.74%

GOI 49.02% 0% 40% 31.26%


SDL KARNATAKA 5.80%

SDL GUJARAT 3.00%SDL ‐ TAMIL NADU 1.65%SDL ‐ KERALA 1.63%SDL ‐ MADHYA PRADESH 1.16%SDL (with < 1% exposure) 0.35%

MM & Others 31.26%

DISCONTINUED POLICIES FUND - OCTOBER 2016

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

MM & Others31.26%


27.08%

36.50%




Discontinued Policies Fund 0.65% 2.04% 4.06% 7.84% 8.12% 8.32% 8.02%

Benchmark 0.77% 2.34% 4.98% 9.17% 9.00% 9.03% 8.65%

Note: * Crisil Liquid Index 100% upto May 2013

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


Govt. Securties68.74%

9.8010.1010.4010.7011.0011.3011.6011.9012.2012.5012.8013.1013.4013.7014.0014.3014.6014.9015.2015.50

Nov‐11

Jan‐12

Apr‐12

Jul‐12

Oct‐12

Jan‐13

Apr‐13

Jul‐13

Oct‐13

Jan‐14

Apr‐14

Jul‐14

Oct‐14

Jan‐15

Apr‐15

Jul‐15

Oct‐15

Jan‐16

Apr‐16

Jul‐16

Oct‐16

NAV/U

NIT (R

s)

NAV Performance (Since Nov 01, 2011)

NAV Benchmark


12.40%

22.23%

1.78%



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.

CNX NIFTY

“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 CNX Nifty 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 CNX Nifty Index or particularly in the ability of the said Index to track general stock market performance in India”.

fact sheet ver.02 - new logo sheet october 2016.pdf · 2019. 11. 7. · to -2.44% in july 2016....

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