fact sheet ver.02 - new logo - sud life sheet september...performance summary as on september 30...

Fact Sheet

Trademark used under licence from respective owners.

September – 2016

InveSTAR


Trademark used under license from respective owners.

MONTHLY REPORT –SEPTEMBER 2016

From the Desk of Chief Investment Officer…

OVERVIEW OF MARKET

On the global front, the Fed indicated higher probablity of rates hike this year while

ECB and BOJ kept rates at negative levels and maintained the supply of liquidity. On

domestic front, the Index of Industrial Production (IIP) for the month of July 2016 was

seen at -2.44% as compared to 1.95% in June 2016. The above normal monsoon in

July has affected manufacturing activity leading to the fall in IIP. Consumer Price

Index (CPI) decreased marginally to 5.05% in August 2016 from 6.07% in July, 2016.

This is due to moderation in food inflation to 5.83% from 7.96% in July, 2016.

India is uniquely placed as a domestic consumption economy with strong demand.

Further, soft commodity prices should continue to support the discretionary

consumption theme. Good monsoon and 7th Pay commission awards are proving to

be further triggers for this. With the passage of GST as well, overall tax rates on

consumer goods will be rationalized which will benefit both the end-consumer as well

as the companies.

During September 2016, Nifty closed 1.99% lower at 8,611 as against previous month

close of 8,786. For the month, sectors like Auto, Oil & Gas outperformed whereas

underperformance came by FMCG, Power, Capital goods and Telecom. FIIs

purchased equities aggregating to Rs. 10,443 Crores and Domestic Institutions

purchased equities aggregating to Rs. 3,841 Crores.

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 7.11% and closed 0.15% lower at 6.96% in the month of September 2016.

The newly issued 10 year security (6.97% GOI 2026) closed 0.15% lower from its

issuence yield at 6.82%.

FUND PERFORMANCE

During April to September 2016, majority of our Equity and Growth Funds

outperformed the respective benchmarks. For 3 years period ending September 2016,

most of these funds delivered positive annualized returns of arround 13-15%,

outperforming the Benchmark in most cases by about 0.5-2%.

Majority of Balanced Funds delivered about 11-14% 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

G Sec yields are expected to inch lower over next few months on the back of

further monetary easing by RBI, inflation remaining below RBI’s trajectory,

OMO purchases for RBIs balance sheet expansion.

EQUITY OUTLOOK

Nifty is currently trading around 19.8x FY17 estimated earnings, which is little

higher than historical average. This quarter earnings are likely to be better due

to lower base and positve earnings momentum from domestic focussed

compaies.

Performance Summary as on September 30 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

14.00%

13.95%

13.47%

1

2

3

4

5

6

7

8

9

10

7.92%

8.30%

20/01/2010 33.05 17.63

20/01/2010 35.40 17.67

Inception dateAUM (Rs.

Cr)

NAV

(Rs.)

8.69%

10.54%

10.21%

10.54%

10.21%

10.54%

10.54%

10.21%

14.10%

14.39%

13.32%

7.92%

8.30%

8.52%

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

10.84%

15.44%15.52% 16.56%

8.83%

8.87%

14.00%

13.95%

9.24%

8.96%15.98%

4.49%

12.90%

14.00%

14.49%

4.49%

6.57%

15.44%

6 Month

10.78%

8.37%

9.50%

8.37%

9.50%

12.42% 7.89% 4.81%

11.00% 9.22% 6.34%

8.37%

9.50%

1 Year

10.18% 8.22%

9.79%

9.31%

20/01/2010 429.84 18.07 10.28% 10.24%9.47% 8.86% 14.33%

13.54% 12.48%

15.66%

4.49%

14.31%

31/03/2009 20.29 24.18 10.03%

20/01/2010 550.74

4.49%

6.57%

14.00%

13.95%

31/03/2009 20.41 27.29 11.68%

10.21%

7.99% 4.88% 15.12%

6.57% 13.95%

9.50% 6.57%18.16 11.78% 9.86% 7.29% 15.65%

20/01/2010 505.00 17.76 12.48% 8.58% 5.06%

7.88% 5.05%

8.37%

8.34% 5.44%

Absolute CAGR (Annualised)

18/02/2009 24.88 21.86 7.63% 8.83%

7.17% 15.43%

7.87% 11.42% 10.81%

25/02/2009 46.57 32.18 12.24%

25/02/2009 139.76 30.38 11.34% 8.89%

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 3030.24

NA 12.70% 12.77%

23 6/10/2015 9.87 11.12 7.46% 7.13% NA NA NA NA NA NA 11.16% 10.70%

21 29/1/2014 138.00 13.76 8.56% 8.69% 9.53% 10.78%

5.46% 4.74% NA10.16% 9.00% 8.38%

8.81% 9.79% NA

NA 13.69% 13.00%

20 29/1/2014 119.93 14.03 11.24% 10.21% 8.87% 9.50% 6.58% 6.57% NA NA 13.53% 13.40%

19 29/1/2014 123.73 14.09 12.24%

17

18

11.55%

12.90%

9.14%

11.55%

11.55%

11

12

13

14

15

16

8.53%

8.52%

8.53%

9.21%

11.12%

10.78%

10.91%

20/01/2010 197.72 17.28

8.63%

7.10%

8.69%

7.10%

7.10%

9.47%

7.10%

8.10%

10.62%

8.18%11.12%

03/06/2011 440.40 14.61 4.01% 7.77% 8.27%

29/04/2011 70.51 16.25 7.91%

20/01/2010 17.12 17.80 10.30%

20/01/2010 5.41 17.03 7.32%

8.47% 8.02%9.00%4.91% 9.05%

8.12% 14.13% 8.99%

11.17% 11.10% 8.28%

9.24% 8.92% 12.34% 9.35%

10.18%

11.12%

10.78%8.69%

8.22%

11.62%

9.79%

13.47%10.04%

6.93% 10.57% 11.27% 8.51%11.12% 11.62% 11.20%

10.53%

31/03/2009 3.85 17.80 6.56% 10.21% 10.63% 10.47% 7.99%

9.79%

11.62%

12.90%12.26%31/03/2009 11.73 21.20 8.62% 9.98% 8.76%

25/02/2009 9.90 17.94 6.77% 10.32% 10.79% 10.67% 8.06%11.62% 11.55%

10.96% 11.42% NA NA 11.24% 11.51%22 29/1/2014 76.11 13.29 6.87% 6.91% 10.17% 10.93%


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

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

1

2

3

4

Product Name (UIN)

Dhan SurakshaDhan Suraksha

PremiumPrabhat Tara

6

7

8

9

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

Dhan

Suraksha Plus

Wealth Builder

Plan

EQUITY FUND

5

10

GROWTH FUND

BALANCED FUND

SUD Life

Group

Retirement


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

20

22

13

14

15

17

18

19

11

12

16

DISCONTINUED FUND

BOND FUND

17

GROUP UNIT LINKED FUND

21


Investment Objective :

Date of Inception : SFIN No.

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

Products: AUM :

Rs. 505.00 Cr

Portfolio % to AUM

`

Equity 92.18% Minimum Maximum

Infosys Technologies Ltd. 7.73% 80% 100% 92.18%

Reliance Industries Ltd 7.19% 0% 20% 7.82%

ITC Ltd. 6.10%

Larsen & Toubro Limited 5.87%

HDFC Bank Ltd 5.66%

Tata Motors Limited 5.26%

Housing Development Finance Corporation Ltd. 4.99%

ICICI Bank Ltd 4.96%

Tata Consultancy Services Limited 4.42%

Maruti Suzuki India Limited 3.89%

IndusInd Bank Limited 3.16%

Sun Pharmaceuticals Industries Ltd 3.02%

Axis Bank Limited 2.52%

Grasim Industries Ltd. 2.47%

Oil & Natural Gas Corpn Ltd 2.13%

Bajaj Auto Limited 2 13%

APEX EQUITY FUND -SEPTEMBER 2016

Equity

MM & Others

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%

MM & Others7.82%

Asset Allocation (% to AUM)

Bajaj Auto Limited 2.13%

Dr. Reddys Laboratories Ltd. 2.03%

Lupin Limited 1.84%

Ultratech Cement Ltd. 1.75%

Hero Motocorp Ltd. 1.71%

State Bank of India 1.67%

Power Grid Corporation of India Limited 1.67%

HCL Technologies Ltd 1.64%

Asian Paints Ltd. 1.36%

Mahindra & Mahindra Ltd. 1.28%

Zee Entertainment Enterprises Ltd 1.16%

ACC Limited 1.09%

Others (with < 1% exposure) 3.45%

MM & Others 7.82%

Total 100.00%

`

1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionApex Equity Fund ‐1.25% 4.35% 12.48% 8.58% 5.06% 15.98% 8.96%

Benchmark ‐1.73% 3.70% 10.54% 8.37% 4.49% 14.00% 7.92%

Fund returns vis a vis BenchmarkAbsolute CAGR (Annualised)

23.01%

15.00%

10.42%

7.74%

7.41%

7.09%

6.10%

5.87%

4.34%

3.85%

Financial & Insurance Activities

Computer programming, consultancy and related activities

Manufacture of motor vehicles, trailers and semi‐trailers

Manufacture of coke and refined petroleum products

Other financial activities

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

Top 10 Industry Exposure ( % to AUM)

Equity92.18%

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

Oct‐11

Jan‐12

Apr‐12

Jul‐12

Oct‐12

Jan‐13

Apr‐13

Jul‐13

Oct‐13

Dec‐13

Mar‐14

Jun‐14

Sep‐14

Dec‐14

Mar‐15

Jun‐15

Sep‐15

Dec‐15

Mar‐16

Jun‐16

Sep‐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. 46.57 Cr

Portfolio % to AUM

`




HDFC Bank Ltd 6.05%


ITC Ltd. 5.25%





Tata Power Co. Ltd. 3.36%





Yes Bank Limited 2.10%


Lupin Limited 1.96%



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 - SEPTEMBER 2016

Equity

MM & Others

Equity

MM & Others6.98%






ACC Limited 1.46%




MM & Others 6.98%

Total 100.00%

`

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

Equity Fund ‐1.38% 4.12% 12.24% 8.34% 5.44% 15.52% 16.56%

Benchmark 1 73% 3 70% 10 54% 8 37% 4 49% 14 00% 15 44%


23.23%

15.69%

10.31%

8.48%

7.20%

5.92%

5.32%

5.25%

5.04%

2.24%






Infrastructure



Civil engineering


Top 10 Industry Exposure (% to AUM)

93.02%

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

Jul‐10

Oct‐10

Jan‐11

Apr‐11

Jul‐11

Sep‐11

Dec‐11

Mar‐12

Jun‐12

Sep‐12

Dec‐12

Feb‐13

May‐13

Aug‐13

Nov‐13

Feb‐14

May‐14

Jul‐14

Oct‐14

Jan‐15

Apr‐15

Jul‐15

Sep‐15

Dec‐15

Mar‐16

Jun‐16

Sep‐16

NAV/U

NIT (Rs)

NAV Performance (Since Inception)NAV Benchmark

Benchmark ‐1.73% 3.70% 10.54% 8.37% 4.49% 14.00% 15.44%




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

Products : AUM :

Rs. 33.05 Cr

Portfolio % to AUM

`




ITC Ltd. 6.39%

HDFC Bank Ltd 5.89%
















Asian Paints Ltd 1 86%

INDIVIDUAL PENSION FUND APEX EQUITY - SEPTEMBER 2016

Equity

For New Dhruv Tara Products

MM & Others

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

related instruments by focusing predominantly on well established companies.

Asset Mix

ParticularsInvestment Pattern

Actual

Benchmark :



Equity

MM & Others7.61%






Lupin Limited 1.57%


ACC Limited 1.11%Others (with < 1% exposure) 2.82%

MM & Others 7.61%

Total 100.00%

`

1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionIndividual Pension Fund ‐ Apex Equity ‐1.19% 4.49% 12.42% 7.89% 4.81% 15.44% 8.83%Benchmark ‐1.73% 3.70% 10.54% 8.37% 4.49% 14.00% 7.92%


23.42%

14.96%

10.05%

9.26%

7.26%

6.39%

6.05%

5.25%

4.31%








Civil engineering



q y92.39%

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

Oct‐11

Jan‐12

Apr‐12

Jul‐12

Oct‐12

Jan‐13

Apr‐13

Jul‐13

Oct‐13

Dec‐13

Mar‐14

Jun‐14

Sep‐14

Dec‐14

Mar‐15

Jun‐15

Sep‐15

Dec‐15

Mar‐16

Jun‐16

Sep‐16

NAV/U

NIT (R

s)


NAV Benchmark




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

Products : AUM :

Rs. 20.41 Cr

Portfolio % to AUM

`



HDFC Bank Ltd 7.26% 0% 20% 10.70%

Reliance Industries Ltd 6.91%


ITC Ltd. 5.50%












Lupin Limited 1.96%


INDIVIDUAL PENSION FUND EQUITY - SEPTEMBER 2016

MM & Others

Equity

For Dhruv Tara Products

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 :



MM & Others10.70%







Indian Oil Corporation Ltd 1.00%Others (with < 1% exposure) 7.18%

MM & Others 10.70%

Total 100.00%

`

1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionIndividual Pension Fund ‐ Equity ‐1.50% 4.03% 11.68% 7.99% 4.88% 15.12% 14.31%Benchmark ‐1.73% 3.70% 10.54% 8.37% 4.49% 14.00% 14.39%


22.60%

15.11%

10.49%

8.86%

7.35%

6.87%

5.50%

4.93%

4.89%

2.97%








Civil engineering


Infrastructure


Equity89.30%

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

Sep‐10

Dec‐10

Mar‐11

Jun‐11

Aug‐11

Nov‐11

Feb‐12

May‐12

Aug‐12

Nov‐12

Feb‐13

May‐13

Aug‐13

Oct‐13

Jan‐14

Apr‐14

Jul‐14

Oct‐14

Jan‐15

Apr‐15

Jul‐15

Oct‐15

Dec‐15

Mar‐16

Jun‐16

Sep‐16

NAV/U

NIT (Rs)


NAV Benchmark




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

Products : AUM :

Rs. 123.73 Cr

Portfolio % to AUM



HDFC Bank Ltd 5.73% 0% 30% 15.83%




ITC Ltd. 4.56%


Lupin Limited 3.32%











Dr Reddys Laboratories Ltd 1 65%

INDIVIDUAL BLUE CHIP EQUITY - SEPTEMBER 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 :




Actual

Equity

MM & Others15.83%







Kotak Mahindra Bank Limited 1.22%

HCL Technologies Ltd 1.09%Others (with < 1% exposure) 10.27%

MM & Others 15.83%

Total 100.00%

`

1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionBluechip Equity Fund ‐1.36% 3.82% 12.24% 9.00% 5.46% NA 13.69%Benchmark ‐1.60% 3.60% 10.16% 8.38% 4.74% NA 13.00%


22.10%

12.88%

12.83%

9.57%

7.88%

6.17%

5.02%

4.56%

4.55%









Civil engineering


Equity84.17%

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‐…

Mar…

Apr‐…

May…

Jun‐…

Jul‐14

Sep‐ …

Oct‐…

Nov…

Dec…

Jan‐…

Mar…

Apr‐…

May…

Jun‐…

Jul‐15

Aug …

Oct‐…

Nov…

Dec…

Jan‐…

Feb‐…

Mar…

May…

Jun‐…

Jul‐16

Aug …

Sep‐…

NAV/U

NIT (Rs)





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

Products : AUM :

Rs. 550.74 Cr

Portfolio % to AUM

`




HDFC Bank Ltd 4.21%



ITC Ltd. 4.02%













Lupin Limited 1.48%






APEX GROWTH FUND - SEPTEMBER 2016

Equity

Debt, MM & Others

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

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


Asset Mix

Particulars




Benchmark :


CRISIL Composite Bond Index ‐ 30%

Debt27.59%

Equity67.33%

MM & Others2.37%


AAA37.33%

Gilts45.98%

Debt Rating Profile (% of Debt)

Debt 28.80%

Gilts & SDL 13.24%

GOI 11.74%

SDL (with < 1% exposure) 1.50%

Corporate Bonds 15.56%

POWER GRID CORPORATION OF INDIA LTD 2.28%

POWER FINANCE CORPORATION LTD. 1.47%

RURAL ELECTRIFICATION CORPORATION L 1.39%

LIC HOUSING FINANCE LTD 1.21%

HDFC LTD. 1.03%

SUNDARAM FINANCE LTD. 1.01%


MM & Others 2.37%

Total 100.00%

`

1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionApex Growth Fund ‐0.78% 4.54% 11.78% 9.86% 7.29% 15.65% 9.31%Benchmark ‐1.00% 4.24% 10.21% 9.50% 6.57% 13.95% 8.30%


23.15%

11.09%

8.87%

7.85%

6.80%

5.08%

4.24%

4.13%

4.02%

2.24%



Infrastructure





Civil engineering


Housing Sector


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

5.10%

10.62%

14.17%

42.47%

27.64%

Debt Maturity Profile ( % of Debt)

AA+9.55%AA

3.94%AA‐3.21%

Modified Duration ‐ 4.91 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

Oct‐11

Jan‐12

Apr‐12

Jul‐12

Oct‐12

Jan‐13

Apr‐13

Jul‐13

Oct‐13

Dec‐13

Mar‐14

Jun‐14

Sep‐14

Dec‐14

Mar‐15

Jun‐15

Sep‐15

Dec‐15

Mar‐16

Jun‐16

Sep‐16

NAV/U

NIT (Rs)


NAV Benchmark




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

Products : AUM:

Rs. 139.76 Cr

Portfolio % to AUM

`



HDFC Bank Ltd 5.27% 0% 60% 29.13%


ITC Ltd. 4.19%
















Lupin Limited 1.44%


Equity

Debt, MM & Others

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

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


Asset Mix

Particulars


Tara & Dhan Suraksha Express.

Benchmark :



GROWTH FUND - SEPTEMBER 2016

AAA26.61%

Gilts56 17%


Debt, 26.52%

Equity, 70.87%

MM & Others, 2.62%





Kotak Mahindra Bank Limited 1.11%


Debt 26.52%

Gilts & SDL 14.89%

GOI 13.36%

SDL MAHARASHTRA 1.21%



STEEL AUTHORITY OF INDIA LTD. 2.38%

RELIANCE PORTS & TERMINALS LTD. 2.00%


THE INDIAN HOTELS COMPANY LTD. 1.44%


MM & Others 2.62%

Total 100.00%

`

22.94%

10.90%

7.85%

5.57%

5.42%

4.71%

4.19%

4.03%

3.12%

2.94%




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

7.07%9.11%

17.90%

34.41%

31.51%


AA14.39%

AA‐2.82%

56.17%

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

Jul‐10

Oct‐10

Jan‐11

Apr‐11

Jul‐11

Sep‐11

Dec‐11

Mar‐12

Jun‐12

Sep‐12

Dec‐12

Feb‐13

May‐13

Aug‐13

Nov‐13

Feb‐14

May‐14

Jul‐14

Oct‐14

Jan‐15

Apr‐15

Jul‐15

Sep‐15

Dec‐15

Mar‐16

Jun‐16

Sep‐16

NAV/U

NIT (R

s)



1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionGrowth Fund ‐0.77% 4.45% 11.34% 8.89% 7.17% 15.43% 15.66%Benchmark ‐1.00% 4.24% 10.21% 9.50% 6.57% 13.95% 14.10%





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

Products : AUM :

Rs. 35.40 Cr

Portfolio % to AUM

`




HDFC Bank Ltd 5.41%

ITC Ltd. 4.44%













Lupin Limited 1.73%






INDIVIDUAL PENSION FUND APEX GROWTH - SEPTEMBER 2016

Equity


Debt, MM & Others

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

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

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

Asset Mix


Actual

Benchmark :



Debt28.21%

Equity68.48%

MM & Others3.31%


AAA46.20%



Debt 28.21%

Gilts & SDL 10.81%

GOI 7.78%

SDL ‐ TAMIL NADU 3.03%SDL (with < 1% exposure) 0.00%





RELIANCE GAS TRANSPORTN INFRA LTD. 1.57%

HINDALCO INDUSTRIES LTD. 1.48%

RELIANCE CAPITAL LTD. 1.43%

HDB FINANCIAL SERVICES LTD 1.43%Others (with < 1% exposure) 0.00%

MM & Others 3.31%

Total 100.00%

`

1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionIndividual Pension Fund ‐ Apex Growth ‐0.81% 4.04% 11.00% 9.22% 6.34% 14.49% 8.87%Benchmark ‐1.00% 4.24% 10.21% 9.50% 6.57% 13.95% 8.30%


23.31%

11.60%

8.85%

8.12%

6.37%

5.23%

4.44%

4.37%

4.03%

3.55%



Infrastructure






Civil engineering

Housing Sector


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

10.15%

46.31%

35.47%

8.08%


AA10.26%

AA‐5.24%

Gilts38.30%

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

Oct‐11

Jan‐12

Apr‐12

Jul‐12

Oct‐12

Jan‐13

Apr‐13

Jul‐13

Oct‐13

Dec‐13

Mar‐14

Jun‐14

Sep‐14

Dec‐14

Mar‐15

Jun‐15

Sep‐15

Dec‐15

Mar‐16

Jun‐16

Sep‐16

NAV/U

NIT (Rs)


NAV Benchmark





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

Products : AUM :

Rs. 20.29 Cr

Portfolio % to AUM

`


Housing Development Finance Corporation Ltd. 5.87% 40% 100% 68.53%



ITC Ltd. 4.46%





HDFC Bank Ltd 3.51%















Debt 24.77%

Equity

Debt, MM & Others


Actual

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 - SEPTEMBER 2016

AAA41.78%


Debt24.77%

Equity68.53%

MM & Others6.70%


Debt 24.77%

Gilts & SDL 10.45%

GOI 6.37%

SDL ‐ KERALA 2.73%




INDIAN OIL CORPORATION LTD 4.20%


THE GREAT EASTERN SHIPPING CO. LTD. 3.66%

RELIANCE GAS TRANSPORTN INFRA LTD. 1.59%Others (with < 1% exposure) 0.91%

MM & Others 6.70%

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 90% 3 89% 10 03% 7 88% 5 05% 13 54% 12 48%


23.18%

11.83%

8.42%

8.21%

4.46%

3.97%

3.78%

3.66%

3.60%

2.89%






Accommodation


Water transport

Civil engineering

Infrastructure



16.02%

29.61%

10.55%

24.56%

19.26%


AA16.02%

Gilts42.19%

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

May‐12

Aug‐12

Nov‐12

Feb‐13

May‐13

Aug‐13

Nov‐13

Feb‐14

May‐14

Aug‐14

Nov‐14

Mar‐15

Jun‐15

Sep‐15

Dec‐15

Mar‐16

Jun‐16

Sep‐16

NAV/U

NIT (Rs)


NAV Benchmark


Individual Pension Fund ‐ Growth ‐0.90% 3.89% 10.03% 7.88% 5.05% 13.54% 12.48%Benchmark ‐1.00% 4.24% 10.21% 9.50% 6.57% 13.95% 13.32%




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

Products : AUM:

Rs. 119.93 Cr

Portfolio % to AUM

`




ICICI Bank Ltd 4.60% 0% 30% 6.65%


HDFC Bank Ltd 4.18%

ITC Ltd. 3.69%















Lupin Limited 1.31%



For Dhan Suraksha Plus & Wealth Builder Plan.

Asset Mix


Actual

MM & Others

Equity

Debt

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 - SEPTEMBER 2016

AAA25.79%


Debt25.76%

Equity67.59%

MM & Others6.65%






Debt 25.76%

Gilts & SDL 17.40%

GOI 16.28%



HDFC LTD. 2.46%




MM & Others 6.65%

Total 100.00%

`

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

Fund returns vis a vis BenchmarkAbsolute

22.07%

8.53%

7.14%

6.12%

5.51%

4.31%

4.20%

3.71%

3.69%

2.91%



Infrastructure



Civil engineering







3.29%8.39% 11.84%

54.12%

22.36%



AA+5.01%

AA‐1.64%

Gilts67.56%

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

NAV/U

NIT (R

s)


NAV Benchmark

1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionGrowth Plus Fund ‐0.86% 4.15% 11.24% 8.87% 6.58% NA 13.53%

Benchmark ‐1.00% 4.24% 10.21% 9.50% 6.57% NA 13.40%




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

Products : AUM :

Rs. 429.84Cr

Portfolio % to AUM

`



HDFC Bank Ltd 3.66% 35% 65% 49.66%




ITC Ltd. 2.80%














Debt 45.98%

Gilts & SDL 20.90%

GOI 14.83%

SDL ‐ TAMIL NADU 3.51%

SDL MAHARASHTRA 1 40%

APEX BALANCED FUND - SEPTEMBER 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 :




Asset Mix

Particulars

Debt45.98%

Equity50.34%

MM & Others3.68%

Asset Allocation( % to AUM)

AAA38.30%

Gilts45.45%









HDFC LTD. 1.51%



UNITED PHOSPHORUS LTD. 1.24%

M & M FINANCIAL SERVICES LTD. 1.20%

HINDUSTAN PETROLEUM CORPORATION LTD 1.19%

IL & FS LTD. 1.16%


MM & Others 3.68%

Total 100.00%

`

1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionApex Balanced Fund ‐0.22% 4.55% 10.28% 10.24% 8.86% 14.33% 9.24%


23.18%

11.39%

7.97%

5.14%

4.88%

3.68%

3.36%

3.35%

3.05%

2.80%


Infrastructure




Housing Sector


Civil engineering





4.86%

12.64% 12.37%

49.40%

20.73%


AA+9.28%

AA1.33%

AA‐5.64%

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

Oct‐11

Jan‐12

Apr‐12

Jul‐12

Oct‐12

Jan‐13

Apr‐13

Jul‐13

Oct‐13

Dec‐13

Mar‐14

Jun‐14

Sep‐14

Dec‐14

Mar‐15

Jun‐15

Sep‐15

Dec‐15

Mar‐16

Jun‐16

Sep‐16

NAV/U

NIT (Rs)


NAV Benchmark


Benchmark ‐0.34% 4.45% 9.47% 10.18% 8.22% 13.47% 8.52%




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

Products : AUM :

Rs. 24.88 Cr

Portfolio % to AUM

`






ITC Ltd. 1.57%


HDFC Bank Ltd 1.54%







Sun Pharmaceuticals Industries Ltd 1.05%Others (with < 1% exposure) 6.88%

Debt 62.84%

Gilts & SDL 32.10%

GOI 29.83%




BALANCED FUND - SEPTEMBER 2016

Equity

Debt, MM & Others

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

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


Asset Mix

Particulars


Tara.

Benchmark :



Debt62.84%

Equity27.98%

MM & Others9.17%


AAA32.69%

Gilts51.08%


THE INDIAN HOTELS COMPANY LTD. 5.26%STEEL AUTHORITY OF INDIA LTD. 4.94%THE GREAT EASTERN SHIPPING CO. LTD. 4.26%


LARSEN & TOUBRO LTD. 3.33%


HDB FINANCIAL SERVICES LTD 2.04%



IRFC LTD. 1.28%


MM & Others 9.17%

Total 100.00%

`


Balanced Fund 0 10% 3 52% 7 63% 8 83% 7 87% 11 42% 10 81%


11.61%

6.03%

5.26%

4.94%

4.88%

4.69%

4.45%

4.26%

3.85%

3.77%



Accommodation


Civil engineering

Infrastructure


Water transport


Housing Sector



11.61%

21.57%

14.69%

30.57%

21.55%

Debt Maturity Profile (% of Debt)

AA16.23%

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

Jan‐10

Apr‐10

Jul‐10

Oct‐10

Jan‐11

Apr‐11

Jun‐11

Sep‐11

Dec‐11

Mar‐12

Jun‐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

Jun‐15

Sep‐15

Dec‐15

Mar‐16

Jun‐16

Sep‐16

NAV/U

NIT (Rs)



Balanced Fund 0.10% 3.52% 7.63% 8.83% 7.87% 11.42% 10.81%

Benchmark 0.32% 4.65% 8.69% 10.78% 9.79% 12.90% 10.84%




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

Products : AUM :

Rs. 17.12 Cr

Portfolio % to AUM

`




Reliance Industries Ltd 3.92%ITC Ltd. 3.84%ICICI Bank Ltd 3.61%

HDFC Bank Ltd 3.05%


Larsen & Toubro Limited 2.65%Maruti Suzuki India Limited 2.40%State Bank of India 2.29%

Tata Consultancy Services Limited 2.13%IndusInd Bank Limited 2.03%

Sun Pharmaceuticals Industries Ltd 1.95%Axis Bank Limited 1.74%Power Grid Corporation of India Limited 1.19%HCL Technologies Ltd 1.10%Hero Motocorp Ltd. 1.00%Others (with < 1% exposure) 2.49%

Debt 49 43%

INDIVIDUAL PENSION FUND APEX BALANCED - SEPTEMBER 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.

Asset Mix


Actual

Benchmark :



AAA39 48%


Debt49.43%

Equity47.80%

MM & Others2.77%


Debt 49.43%

Gilts & SDL 23.87%

GOI 23.87%

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


IL & FS LTD. 6.47%



TATA SONS LTD. 3.07%


STEEL AUTHORITY OF INDIA LTD. 2.99%Others (with < 1% exposure) 0.61%

MM & Others 2.77%

Total 100.00%

`

1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionIndividual Pension Fund ‐ Apex Balanced ‐0.20% 4.97% 10.30% 10.04% 8.12% 14.13% 8.99%


20.37%

10.90%

8.04%

6.12%

6.05%

5.42%

4.53%

3.84%

2.65%

1.95%


Infrastructure


Housing Sector





Civil engineering



3‐5 years 5‐10 years > 10 years

32.45%

38.41%

29.14%


39.48%

AA6.05%AA‐

6.18%

Gilts48.28%

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

Oct‐11

Jan‐12

Apr‐12

Jul‐12

Oct‐12

Jan‐13

Apr‐13

Jul‐13

Oct‐13

Dec‐13

Mar‐14

Jun‐14

Sep‐14

Dec‐14

Mar‐15

Jun‐15

Sep‐15

Dec‐15

Mar‐16

Jun‐16

Sep‐16

NAV/U

NIT (Rs)


NAV Benchmark


Benchmark ‐0.34% 4.45% 9.47% 10.18% 8.22% 13.47% 8.52%




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

Products : AUM :

Rs. 11.73 Cr

Portfolio % to AUM

`



HDFC Bank Ltd 2.17% 40% 100% 71.68%


Reliance Industries Ltd 1.99%ITC Ltd. 1.88%












Debt 65.19%

Gilts & SDL 34.97%

GOI 20.72%SDL MAHARASHTRA 9.52%SDL ‐ KERALA 4.72%SDL (with < 1% exposure) 0.00%


INDIVIDUAL PENSION FUND BALANCED - SEPTEMBER 2016

Equity


Debt, MM & Others

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

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

Asset Mix


Actual

Benchmark :



AAA37.15%


Debt65.19%

Equity28.32%

MM & Others6.49%


p

LIC HOUSING FINANCE LTD 7.09%THE INDIAN HOTELS COMPANY LTD. 6.01%RELIANCE PORTS & TERMINALS LTD. 4.76%


IL & FS LTD. 1.88%

HDFC LTD. 1.88%


STATE BANK OF INDIA 1.39%


MM & Others 6.49%

Total 100.00%

`

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


11.25%

8.97%

8.40%

6.01%

4.52%

3.76%

3.45%

2.77%

2.74%

2.63%


Housing Sector

Infrastructure

Accommodation

Water transport


Civil engineering






9.22%

5.43%

23.82%

36.56%

24.97%



AA9.22%

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

Sep‐10

Dec‐10

Mar‐11

Jun‐11

Aug‐11

Nov‐11

Feb‐12

May‐12

Aug‐12

Nov‐12

Feb‐13

May‐13

Aug‐13

Oct‐13

Jan‐14

Apr‐14

Jul‐14

Oct‐14

Jan‐15

Apr‐15

Jul‐15

Oct‐15

Dec‐15

Mar‐16

Jun‐16

Sep‐16

NAV/U

NIT (Rs)


NAV Benchmark

Individual Pension Fund ‐ Balanced 0.24% 4.21% 8.62% 9.98% 8.76% 12.26% 10.53%Benchmark 0.32% 4.65% 8.69% 10.78% 9.79% 12.90% 10.62%



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. 70.51 Cr

Portfolio % to AUM

`



HDFC Bank Ltd 1.81% 40% 100% 71.76%





ITC Ltd. 1.56%







Debt 67.42%

Gilts & SDL 32.30%

GOI 27.72%



Other SDL (with < 1% exposure) 0.78%



EXPRESS BALANCED FUND - SEPTEMBER 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.

Asset Mix


Actual

AAA


Debt67.42%

Equity28.24%

MM & Others4.34%




FULLERTON INDIA CREDIT COMPANY LTD. 2.84%

IL & FS LTD. 2.76%


VEDANTA LIMITED 2.16%




STCI FINANCE LIMITED 1.45%



HDFC LTD. 1.06%


MM & Others 4.34%

Total 100.00%

1 M th 3 M th 6 M th 1 Y 2 Y 3 Y Si I tiFund returns vis a vis Benchmark


15.28%

14.31%

4.49%

3.76%

3.38%

3.26%

3.11%

2.42%

2.16%

1.98%

Infrastructure



Water transport


Housing Sector


Civil engineering

Mining of metal ores




7.81%

12.47%

20.88%

41.19%

17.65%


AAA38.89%

AA+4.21%AA

3.19%AA‐5.79%

Gilts47.91%

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

Sep‐16

NAV/U

NIT (Rs)


NAV Benchmark


1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionExpress Balanced Fund 0.06% 4.13% 7.91% 9.24% 8.92% 12.34% 9.35%

Benchmark 0.32% 4.65% 8.69% 10.78% 9.79% 12.90% 9.21%




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.138.00 Cr

Portfolio % to AUM

`


HDFC Bank Ltd 2.98% 0% 60% 29.90%




ITC Ltd. 1.76%









Debt 58.54%

Gilts & SDL 33.46%

GOI 29.17%






HDFC LTD. 3.11%

POWER FINANCE CORPORATION LTD 2 71%

BALANCED PLUS FUND - SEPTEMBER 2016

MM & Others

Equity

Debt

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

AAA31.97%

Gilts57.17%


Debt58.54%

Equity29.90%

MM & Others11.57%







STCI FINANCE LIMITED 1.48%

IRFC LTD. 1.02%



MM & Others 11.57%

Total 100.00%

`

1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionBalanced Plus Fund 0 20% 4 33% 8 56% 9 53% 8 81% NA 12 70%


13.76%

9.31%

4.70%

4.66%

4.08%

3.88%

2.61%

2.57%

1.84%

1.83%


Infrastructure

Civil engineering



Housing Sector







1.75%

9.67%

19.79%

42.39%

26.41%


AA+1.86%

AA1.77%

AA‐7.23%

9.9010.1010.3010.5010.7010.9011.1011.3011.5011.7011.9012.1012.3012.5012.7012.9013.1013.3013.5013.7013.9014.10

Jan‐14

Apr‐14

Jun‐14

Sep‐14

Nov‐14

Feb‐15

Apr‐15

Jul‐15

Sep‐15

Nov‐15

Feb‐16

Apr‐16

Jul‐16

Sep‐16

NAV/U

NIT (Rs)


NAV Benchmark


Balanced Plus Fund 0.20% 4.33% 8.56% 9.53% 8.81% NA 12.70%Benchmark 0.32% 4.65% 8.69% 10.78% 9.79% NA 12.77%




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

Products : AUM :

Rs. 197.72 Cr

Portfolio % to AUM

`

Debt 95.19% Minimum Maximum

Gilts & SDL 42.55% 80% 100% 95.19%

GOI 39.06% 0% 20% 4.81%




NATIONAL THERMAL POWER CORPORATION 3.85%



IL & FS LTD. 3.55%



HDFC LTD. 2.72%







APEX BOND FUND - SEPTEMBER 2016

DEBT

MM & Others

Particulars

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 :



Debt95.19%

MM & Others4.81%


AAA36.21%

Gilts44.70%


TATA CAPITAL FINANCIAL SERVICES LTD 1.55%


L&T HOUSING FINANCE LIMITED 1.34%

MRF LTD. 1.34%



L & T FINANCE LTD. 1.04%




MM & Others 4.81%

Total 100.00%

`

1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionApex Bond Fund 1 06% 4 56% 6 93% 10 57% 11 27% 11 20% 8 51%

Fund returns vis a vis Benchmark Absolute CAGR (Annualised)

19.00%

13.04%

7.74%

4.14%

3.05%

1.39%

1.34%

1.32%

1.03%

1.02%

Infrastructure


Housing Sector



Water transport

Manufacture of rubber and plastics products

Civil engineering


Accommodation



3.73%

15.97%13.07%

42.56%

24.66%


AA+12.05%

AA4.09%

AA‐2.96%

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

Oct‐11

Jan‐12

Apr‐12

Jul‐12

Oct‐12

Jan‐13

Apr‐13

Jul‐13

Oct‐13

Dec‐13

Mar‐14

Jun‐14

Sep‐14

Dec‐14

Mar‐15

Jun‐15

Sep‐15

Dec‐15

Mar‐16

Jun‐16

Sep‐16

NAV/U

NIT (Rs)


NAV Benchmark


Apex Bond Fund 1.06% 4.56% 6.93% 10.57% 11.27% 11.20% 8.51%Benchmark 1.24% 4.61% 7.10% 11.12% 11.62% 11.55% 8.53%




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


Products : AUM :

Rs. 9.90Cr

Portfolio % to AUM

`


Gilts & SDL 53.60% 80% 100% 93.57%

GOI 43.68% 0% 20% 6.43%


SDL GUJARAT 3.16%










RELIANCE INDUSTRIES LTD 3.16%


HDFC LTD 1 11%

BOND FUND - SEPTEMBER 2016

Debt

MM & Others

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

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


Asset Mix

Particulars

For Dhan Suraksha, Dhan Suraksha Premium, Prabhat Tara.

Debt93.57%

MM & Others6.43%


AAA36.89%


HDFC LTD. 1.11%




MM & Others 6.43%

Total 100.00%

`

1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionBond Fund 1.01% 4.37% 6.77% 10.32% 10.79% 10.67% 8.06%


11.25%

7.35%

6.33%

5.36%

4.42%

4.23%

1.03%

Infrastructure

Housing Sector

Civil engineering

Water transport






3.25%

18.28%

27.55%

24.19%26.73%


AA+4.72%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

Jul‐10

Oct‐10

Jan‐11

Apr‐11

Jul‐11

Sep‐11

Dec‐11

Mar‐12

Jun‐12

Sep‐12

Dec‐12

Feb‐13

May‐13

Aug‐13

Nov‐13

Feb‐14

May‐14

Jul‐14

Oct‐14

Jan‐15

Apr‐15

Jul‐15

Sep‐15

Dec‐15

Mar‐16

Jun‐16

Sep‐16

NAV/U

NIT (Rs)



Benchmark 1.24% 4.61% 7.10% 11.12% 11.62% 11.55% 8.10%




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 67.60% 80% 100% 93.82%

GOI 49.54% 0% 20% 6.18%


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




HDFC LTD. 4.06%



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

MM & Others 6.18%

Total 100.00%

INDIVIDUAL PENSION FUND APEX BOND - SEPTEMBER 2016

DEBT

MM & Others

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

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

Asset Mix


Actual

Benchmark :




Debt93.82%

MM & Others6.18%


AAA23.82%

AA‐4.12%


`



12.48%

4.06%

3.88%

3.87%

1.93%

Infrastructure

Housing Sector



Civil engineering

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

4.13%

33.88%

35.40%

26.58%


Gilts72.06%

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

Oct‐11

Jan‐12

Apr‐12

Jul‐12

Oct‐12

Jan‐13

Apr‐13

Jul‐13

Oct‐13

Dec‐13

Mar‐14

Jun‐14

Sep‐14

Dec‐14

Mar‐15

Jun‐15

Sep‐15

Dec‐15

Mar‐16

Jun‐16

Sep‐16

NAV/U

NIT (Rs)


NAV Benchmark


Individual Pension Fund ‐ Apex Bond 1.09% 4.79% 7.32% 10.91% 11.17% 11.10% 8.28%

Benchmark 1.24% 4.61% 7.10% 11.12% 11.62% 11.55% 8.53%




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

Products : AUM :

Rs. 3.85 Cr

Portfolio % to AUM

`


Gilts & SDL 53.06% 80% 100% 94.41%

GOI 41.87% 0% 20% 5.59%






MRF LTD. 5.72%








NATIONAL BANK FOR AGRI & RURAL DEVE 2.63%


INDIVIDUAL PENSION FUND BOND - SEPTEMBER 2016

Debt


MM & Others

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

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

Asset Mix


Actual

Benchmark :



Debt94.41%

MM & Others5.59%


AAA38.17%


MM & Others 5.59%

Total 100.00%

`



14.00%

5.72%

5.53%

5.38%

5.31%

2.75%

2.66%

Infrastructure



Civil engineering


Water transport

Housing Sector



2.78%

23.10%

28.64%

18.24%

27.25%


AA5.63%

Gilts56.20%

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

Nov‐09

Feb‐10

May‐10

Jul‐10

Oct‐10

Dec‐10

Mar‐11

Jun‐11

Aug‐11

Nov‐11

Feb‐12

Apr‐12

Jul‐12

Oct‐12

Dec‐12

Mar‐13

May‐13

Aug‐13

Nov‐13

Jan‐14

Apr‐14

Jul‐14

Sep‐14

Dec‐14

Feb‐15

May‐15

Aug‐15

Oct‐15

Jan‐16

Apr‐16

Jun‐ 16

Sep‐16

NAV/U

NIT (Rs)


NAV Benchmark


1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionIndividual Pension Fund ‐ Bond 1.09% 4.26% 6.56% 10.21% 10.63% 10.47% 7.99%Benchmark 1.24% 4.61% 7.10% 11.12% 11.62% 11.55% 8.18%




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

Products : AUM :

Rs. 76.11 Cr

Portfolio % to AUM

`


Gilts & SDL 50.03% 70% 100% 88.92%

GOI 48.25% 0% 30% 11.08%





HDFC LTD. 4.69%








IRFC LTD. 1.43%


L&T HOUSING FINANCE LIMITED 1.39%




MM & Others

For Dhan Suraksha Plus & Wealth Builder Plan

Asset Mix


Actual

Debt

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 - SEPTEMBER 2016

Debt88.92%

MM & Others11.08%


AAA28.58%

Gilts56.27%




MM & Others 11.08%

Total 100.00%



AA+3.91%

AA6.39%

AA‐4.84%


2.38%

8.43%

18.15%

40.44%

30.60%


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

NAV/U

NIT (Rs)


NAV Benchmark


10.02%

6.09%

5.74%

5.61%

4.60%

4.15%

2.10%

2.05%

1.32%

Infrastructure

Housing Sector


Civil engineering



FDCD Non Promoter Group


Accommodation


1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionIndividual Life Income Fund 0.99% 4.51% 6.87% 10.17% 10.96% NA 11.24%Benchmark 1.20% 4.45% 6.91% 10.93% 11.42% NA 11.51%




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

Products : AUM :

Rs. 9.87 Cr

Portfolio % to AUM

`


Gilts & SDL 49.09% 70% 100% 92.13%

GOI 38.38% 0% 30% 7.87%

SDL GUJARAT 6.42% 0% 15% 0.00%

SDL MAHARASHTRA 4.29% 0% 15% 0.00%



MRF LTD. 5.58%

NATIONAL THERMAL POWER CORPORATION 5.48%






HDFC LTD. 3.34%



MM & Others 7.87%

Mutual Fund 0.00%

Fixed Deposits with Banks

MM & Others

Mutual Funds

GROUP DEBT FUND - SEPTEMBER 2016

For SUD Life Group Retirement Benefit Plan

Asset Mix


Actual

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


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%

22.20%

46.41%

22.20%


10.00

10.20

10.40

10.60

10.80

11.00

11.20

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

NAV/U

NIT (Rs)


NAV Benchmark


10.78%

8.68%

5.58%

5.28%

5.25%

4.25%

3.22%

Infrastructure

Housing Sector



Civil engineering


Water transport


pGroup Debt Fund 1.16% 4.88% 7.46% NA NA NA 11.16%Benchmark 1.08% 4.49% 7.13% NA NA NA 10.70%




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. 440.40Cr

Portfolio % to AUM

Debt & MM 100.00% Minimum Maximum

Gilts & SDL 68.59% 60% 100% 68.59%

GOI 47.13% 0% 40% 31.41%

SDL KARNATAKA 8.05%


SDL GUJARAT 3.86%SDL ‐ KERALA 1.63%SDL ‐ TAMIL NADU 1.18%SDL ‐ MADHYA PRADESH 1.16%SDL (with < 1% exposure) 0.35%

MM & Others 31.41%

DISCONTINUED POLICIES FUND - SEPTEMBER 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 & Others31.41%


32.03%

36.39%




Discontinued Policies Fund 0.77% 2.13% 4.01% 7.77% 8.27% 8.47% 8.02%

Benchmark 0.89% 2.66% 4.91% 9.00% 9.05% 9.14% 8.63%

Note: * Crisil Liquid Index 100% upto May 2013

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


Govt. Securties68.59%

9.8010.1010.4010.7011.0011.3011.6011.9012.2012.5012.8013.1013.4013.7014.0014.3014.6014.9015.2015.50

Nov‐11

Feb‐12

May‐12

Aug‐12

Nov‐12

Feb‐13

May‐13

Aug‐13

Nov‐13

Feb‐14

May‐14

Aug‐14

Dec‐14

Mar‐15

Jun‐15

Sep‐15

Dec‐15

Mar‐16

Jun‐16

Sep‐16

NAV/U

NIT (R

s)

NAV Performance (Since Nov 01, 2011)

NAV Benchmark


11.95%

17.85%

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 - sud life sheet september...performance summary as on september 30...

Documents