fact sheet without comment - sud life fact sheet - july 2013.pdf · tata consultancy services...

Fact Sheet

July – 2013

InveSTAR

Global Economic Scenario: Improvement in economic conditions in US and

likelihood easy liquidity tapering impacted commodities and financial markets across the world. Emerging market currencies dropped sharply against US$ and INR was one of the worst performing currencies.

Purchasing Managers Indices (PMI) are indicating revival of growth in Europe as well.

China's annual growth slowed to 7.5% in the second quarter of 2013 from 7.7% in the first quarter.

Due to geo-political tensions in Middle East and perception of increasing demand in US, crude oil is trading at elevated level.

Indian Economy: Index of Industrial Production (IIP) For the month of May’ 2013, IIP growth contracted by

1.6% against growth of 1.9% in April’2013. A sharp drop in growth (11 months low) is worrisome, especially as both Capital Goods and Consumer Goods segments registered negative growth.

Foreign Trade Drop in gold and crude oil imports resulted in drop in

overall imports, leading to lower Trade Deficit in June’13 at US$ 12 bn. (vs.US$ 20.1 bn. in May).

Foreign Institutional Flows in Equity Market During July’13, Net FII flow in equities was (-)

Rs.6,086 cr. vs. (-)11,027,cr.in June’13.

INR vs.US$ INR continued to depreciate during July to close at

60.39 after touching intra-month low of 61.21.

Inflation

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

May’ 2013 4.70

June’ 2013 4.86

WPI increased due to higher food prices, despite

drop in prices of manufactured products. In June’2013, CPI registered sharp increase at 9.87% from 9.31% in May’13.

Structural changes in Liquidity Adjustment Facility RBI brought about structural changes in Liquidity

Adjustment Facility (LAF) to tighten Rupee liquidity in the system to check volatility of INR against US$. The move came after certain earlier steps by RBI and SEBI to check currency speculation.

First Quarter Review of Monetary Policy (30th July) Reverse Repo rate and CRR kept unchanged at

7.25% & 4% respectively.

Debt Markets: Liquidity tightening measures by RBI have resulted in

sharp increase in interest rates, especially for shorter durations.

Outlook RBI measures are seen temporary in nature. Once

Rupee stabilizes, RBI may ease monetary conditions to address growth concerns and the yields may trend downwards.

Stock Markets: After touching a high of 6,107 (on 23rd July),

stringent monetary tightening measures announced by RBI on 23rd July, triggered a sharp correction in the market.

Major Indices

Sensex Nifty

Close as on 28.06.13 19,396 5,842

Close as on 31.07.13 19,346 5,742

Change% -0.3% -1.7% Outlook At about 14.5 X to FY14 estimated earnings, indices

are trading close to long-term average. In near term, markets are vulnerable to a) external shocks and slow down in Global liquidity; b) Rupee depreciation; and c) Political risk. In medium to long term, markets are expected to move up especially as economic growth momentum picks-up.

MONTHLY REPORT – July‘2013

ECONOMY AND FINANCIAL MARKETS

Performance Summary as on July 31, 2013

InveSTAR

6 Months 1 Year 2 Year 3 YearSince

Inception

SFIN

Balanced Fund

ULIF 001 18/02/09 SUD‐LI‐BL1 14218/02/2009 57.12 ‐0.91%15.63

Scheme Name

NAV Returns

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

Absolute CAGR

7.25% 5.94% 10.55%4.75%

InveSTAR

Equity Fund

ULIF 002 25/02/09 SUD‐LI‐EQ1 142

Growth Fund *

ULIF 003 25/02/09 SUD‐LI‐GR1 142

Bond Fund

ULIF 004 25/02/09 SUD‐LI‐BN1 142

Individual Pension Fund ‐ Equity

ULIF 005 31/03/09 SUD‐PI‐EQ1 142

Individual Pension Fund ‐ Growth

ULIF 006 31/03/09 SUD‐PI‐GR1 142

14.06%

12.13%73.44 16.43

31/03/2009 68.28 17.70

25/02/2009 24.92 13.13 0.99%

Individual

Life @

Pension Life

@@

25/02/2009

31/03/2009

25/02/2009 99.89 20.53

136.88 19.54

2.16%

3.71%

‐4.33% 8.46% 2.24% 17.52%

‐2.34% 8.67% 4.06% 16.17%

6.46%6.58%

‐2.03% 9.02% 4.25%

6.56%

3.02%

3.56%

7.62%

‐1.56% 10.92% 3.48%

InveSTAR

Individual Pension Fund ‐ Balanced

ULIF 007 31/03/09 SUD‐PI‐BL1 142

Individual Pension Fund ‐ Bond

ULIF 008 31/03/09 SUD‐PI‐BN1 142

Apex Equity Fund

ULIF 009 20/01/10 SUD‐LA‐EQ1 142

Apex Growth Fund

ULIF 010 20/01/10 SUD‐LA‐GR1 142

Apex Balanced Fund

ULIF 011 20/01/10 SUD‐LA‐BL1 142

20/01/2010 11.64 ‐2.57% 8.44% 3.84%480.90

5.32%324.5920/01/2010

7.58% 6.39%

3.40%

4.39%

‐1.64%

4.06%

4.67%12.01

31/03/2009 12.25 13.08 1.18%

461.9420/01/2010 11.25 ‐3.91% 8.52% 2.41%

14.90 ‐0.41%

6.43%

31/03/2009 46.39@@

Individual

Apex $ 8.05% 4.97%

7.69% 6.13% 5.12%

6.51%

2.54%

9.63%

InveSTAR

Apex Bond Fund

ULIF 012 20/01/10 SUD‐LA‐BN1 142

Individual Pension Fund ‐ Apex Equity

ULIF 013 20/01/10 SUD‐PA‐EQ1 142

Individual Pension Fund ‐ Apex Growth

ULIF 014 20/01/10 SUD‐PA‐GR1 142

Individual Pension Fund ‐ Apex Balanced

ULIF 015 20/01/10 SUD‐PA‐BL1 142

Individual Pension Fund ‐ Apex Bond

ULIF 016 20/01/10 SUD‐PA‐BN1 142

l d d

57.89

25.7520/01/2010 12.46 0.35% 6.02% 6.41%

12.00 0.25% 9.93%

7.94% 6.73%

11.22% 4.08% 3.83%108.44 3.28%

122.44

4.37%

5.31%

6.43%

5.27%

‐1.88%

125.20 11.63

7.44%

4.09%‐0.48% 10.97% 5.27%

6.54%

6.83%12.58 0.29% 6.32%

20/01/2010 11.42

Pension

Apex $$

20/01/2010

20/01/2010

20/01/2010

InveSTAR

Express Balanced Fund

ULIF 017 29/04/11 SUD‐LX‐BL1 142

Discontinued Policies Fund

ULIF 018 03/06/11 SUD‐UL‐DP1 142

Total AUM 2402.96

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

7.01%NA

NA 5.90%

03/06/2011 138.39 11.26 1.68% 5.93% NA

7.72% 5.29%Individual

Life *29/04/2011 38.27 11.38 ‐1.16%

InveSTAR

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

InveSTAR InveSTAR

Investment Objective :

Date of Inception : SFIN No.

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

Products : AUM :

Rs. 57.12 Cr

% to AUM

`

Equity 28.71% Minimum Maximum

Reliance Industries Ltd 3.47% 0% 60% 28.71%

Infosys Ltd 3.38% 40% 100% 71.29%

Larsen & Toubro Limited 2.20%

ITC Ltd. 2.03%

Dr. Reddys Laboratories Ltd. 1.96%

Mahindra & Mahindra Ltd. 1.56%

Bajaj Auto Limited 1.52%

State Bank of India 1.48%

NTPC Limited 1.37%

Aditya Birla Nuvo Limited 1.23%

Housing Development Finance Corporation Ltd. 1.18%

Tata Consultancy Services Limited 1.18%

Oil & Natural Gas Corpn Ltd 1.07%

Tata Steel Limited 1.06%Others (with < 1% exposure) 4.00%

Debt 62.52%

Gilts & SDL 6.63%

GOI 5.60%

SDL (with < 1% exposure) 1.03%

BALANCED FUND - JULY, 2013

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

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

Investment PatternActual

Asset Mix

Particulars

For Dhan Suraksha, Dhan Suraksha Premium, Prabhat

Tara.

Equity

Debt, MM & Others

Benchmark :

CNX Nifty Index ‐ 30%

CRISIL Composite Bond Index ‐ 70%

Debt62.52%

Equity28.71%

MM & Others8.77%

Asset Allocation (% to AUM)

Gilt10.61%

AA+11.40%

AA‐2.82%

Debt Rating Profile (% of Debt)

Corporate Bonds 55.89%

Housing Development Finance Corporation Ltd. 5.28%Power Finance Corporation Limited 5.25%Rural Electrification Corporation Limited 3.80%Larsen & Toubro Limited 3.57%

The Great Eastern Shipping Co. Limited 3.52%

Steel Authority of India Ltd. 3.39%

Indian Oil Corporation Ltd 2.88%

Reliance Gas Transportation Infrastructure Limited 2.83%

Dr. Reddy's Laboratories Ltd. 2.63%

The Indian Hotels Company Limited 2.59%

Tech Mahindra Limited 2.10%

LIC Housing Finance Ltd 2.07%

National Housing Bank 1.92%

Reliance Capital Limited 1.91%

Tata Communications Limited 1.91%

Raymond Ltd. 1.76%

Indian Railway Financial Corporation Ltd. 1.74%

Reliance Ports & Terminals Ltd. 1.65%

Power Grid Corporation of India Limited 1.51%

Others (with < 1% exposure) 3.58%

MM & Others 8.77%

Total 100.00%

`

19.31%

10.92%

6.88%

6.66%

5.77%

4.58%

4.45%

3.52%

Financial & Insurance

Infrastructure finance services

Manufacture of coke and refined petroleum products

Computer programming, consultancy and related activities

Civil engineering

Manufacture of pharmaceuticals, medicinal chemical

and botanical products

Manufacture of Basic Metals

Water transport

Top 10 Industry Exposure ( % to AUM)

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

32.18%

20.30%18.45%

24.61%

4.46%

Debt Maturity Profile (% of Debt)

Debt62.52%

Equity28.71%

MM & Others8.77%


Gilt10.61%

AAA75.17%

AA+11.40%

AA‐2.82%


10

11

12

13

14

15

16

NAV/U

NIT (Rs)

NAV Performance (Since Inception)

Balance Fund Benchmark

19.31%

10.92%

6.88%

6.66%

5.77%

4.58%

4.45%

3.52%

2.88%

2.83%





Civil engineering

Manufacture of pharmaceuticals, medicinal chemical

and botanical products


Water transport

Electricity, Gas, Steam and Aircondition Supply - Infra

Land transport and transport via pipelines - Infra



32.18%

20.30%18.45%

24.61%

4.46%

Debt Maturity Profile (% of Debt)

Debt62.52%

Equity28.71%

MM & Others8.77%


Gilt10.61%

AAA75.17%

AA+11.40%

AA‐2.82%


9

10

11

12

13

14

15

16

Feb‐09

Apr‐09

May‐09

Jul‐09

Sep‐09

Oct‐09

Dec‐09

Jan‐10

Mar‐10

May‐10

Jun‐10

Aug‐10

Sep‐10

Nov‐10

Jan‐11

Feb‐11

Apr‐11

Jun‐11

Jul‐11

Sep‐11

Oct‐11

Dec‐11

Feb‐12

Mar‐12

May‐12

Jun‐12

Aug‐12

Oct‐12

Nov‐12

Jan‐13

Feb‐13

Apr‐13

Jun‐13

Jul‐13

NAV/U

NIT (Rs)


Balance Fund Benchmark

Investment Objective:


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

Products : AUM:

Rs. 99.89 Cr

Portfolio % to AUM

`



Larsen & Toubro Limited 6.28% 0% 20% 12.58%


HDFC Bank Ltd 4.81%

Bharti Airtel Limited 4.62%


Infosys Ltd 4.44%



ICICI Bank Ltd 3.44%

Cipla Ltd. 3.21%

ITC Ltd. 3.03%


Tata Motors Limited 2 46%

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

related instruments.


Asset Mix

Particulars

Equity

MM & Others

EQUITY FUND - JULY, 2013

Benchmark :


For Dhan Suraksha, Dhan Suraksha Premium, Prabhat

Tara.

CRISIL Liquid Fund Index ‐ 10%

MM & Others12.58%


Tata Motors Limited 2.46%

Axis Bank Limited 2.21%

Coal India Limited 1.94%

Sun Pharmaceuticals Industries Ltd 1.90%

Lupin Limited 1.86%

Grasim Industries Ltd. 1.76%

NTPC Limited 1.75%

Godrej Consumer Products Limited 1.70%

Hindalco Industries Ltd. 1.66%


Sterlite Industries ( India ) Limited 1.13%


MM & Others 12.58%

Total 100.00%

`

19.94%

12.89%

8.04%

7.95%

6.30%

6.28%

4.62%

4.47%

3.64%




Manufacture of pharmaceuticals, medicinal chemical and botanical products

Manufacture of motor vehicles, trailers and semi-trailers

Civil engineering

Telecommunications - Infra

Diversified


Top 10 Industry Exposure (% to AUM)

Equity87.42%

MM & Others12.58%


9

11

13

15

17

19

21

23

25

Feb‐09

Apr‐09

May‐09

Jul‐09

Aug‐09

Oct‐09

Nov‐09

Jan‐10

Feb‐10

Apr‐10

May‐10

Jul‐10

Aug‐10

Oct‐10

Dec‐10

Jan‐11

Mar‐11

Apr‐11

Jun‐11

Jul‐11

Sep‐11

Oct‐11

Dec‐11

Jan‐12

Mar‐12

Apr‐12

Jun‐12

Jul‐12

Sep‐12

Oct‐12

Dec‐12

Jan‐13

Mar‐13

Apr‐13

Jun‐13

Jul‐13

NAV/U

NIT (R

s)


Equity Fund Benchmark

19.94%

12.89%

8.04%

7.95%

6.30%

6.28%

4.62%

4.47%

3.64%

3.46%






Civil engineering


Diversified


Manufacture of chemicals and chemical products

Top 10 Industry Exposure (% to AUM)

Equity87.42%

MM & Others12.58%


9

11

13

15

17

19

21

23

25

Feb‐09

Apr‐09

May‐09

Jul‐09

Aug‐09

Oct‐09

Nov‐09

Jan‐10

Feb‐10

Apr‐10

May‐10

Jul‐10

Aug‐10

Oct‐10

Dec‐10

Jan‐11

Mar‐11

Apr‐11

Jun‐11

Jul‐11

Sep‐11

Oct‐11

Dec‐11

Jan‐12

Mar‐12

Apr‐12

Jun‐12

Jul‐12

Sep‐12

Oct‐12

Dec‐12

Jan‐13

Mar‐13

Apr‐13

Jun‐13

Jul‐13

NAV/U

NIT (R

s)


Equity Fund Benchmark



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

Products : AUM:

Rs. 136.88 Cr

Portfolio % to AUM

`




Infosys Ltd 3.90%






ITC Ltd. 2.50%



HDFC Bank Ltd 2.09%



HCL Technologies Ltd 1.90%




Equity

Debt, MM & Others

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

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


Asset Mix

Particulars

GROWTH FUND - JULY, 2013

Benchmark :



For Dhan Suraksha, Dhan Suraksha Premium, Prabhat Tara

& Dhan Suraksha Express.

Debt22.71%

Equity65.35%

MM & Others11.94%


Gilt7 80%

AA+

Debt Rating Profile (% of Debt)State Bank of India 1.44%


Tata Global Beverages Ltd. 1.20%

Lupin Limited 1.15%


Cipla Ltd. 1.03%



Debt 22.71%

Gilts & SDL 1.77%

GOI 1.77%


Power Finance Corporation Limited 3.36%




Tata Capital Financial Services Ltd 1.44%




MM & Others 11.93%

Total 100.00%

`

18.83%12.34%

6.69%

5.51%

5.33%

4.98%

4.51%







Civil engineering



19.20%21.29%

15.25%

32.30%

11.96%

Debt Maturity Profile ( % of Debt)

Debt22.71%

Equity65.35%

MM & Others11.94%


Gilt7.80%

AAA74.00%

AA0.64%

AA+17.56%


11

12

13

14

15

16

17

18

19

20

21

NAV/U

NIT (Rs)

NAV Performance (Since Inception)Growth Fund Benchmark

18.83%12.34%

6.69%

5.51%

5.33%

4.98%

4.51%

3.83%

3.13%

2.69%







Civil engineering



Diversified



19.20%21.29%

15.25%

32.30%

11.96%


Debt22.71%

Equity65.35%

MM & Others11.94%


Gilt7.80%

AAA74.00%

AA0.64%

AA+17.56%


9

10

11

12

13

14

15

16

17

18

19

20

21

Feb‐09

Apr‐09

May‐09

Jul‐09

Aug‐09

Oct‐09

Nov‐09

Jan‐10

Feb‐10

Apr‐10

May‐10

Jul‐10

Aug‐10

Oct‐10

Dec‐10

Jan‐11

Mar‐11

Apr‐11

Jun‐11

Jul‐11

Sep‐11

Oct‐11

Dec‐11

Jan‐12

Mar‐12

Apr‐12

Jun‐12

Jul‐12

Sep‐12

Oct‐12

Dec‐12

Jan‐13

Mar‐13

Apr‐13

Jun‐13

Jul‐13

NAV/U

NIT (Rs)

NAV Performance (Since Inception)Growth Fund Benchmark



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

Products : AUM :

Rs. 24.92 Cr

Portfolio % to AUM

`

Debt 93.06% Minimum Maximum

Gilts & SDL 22.56% 80% 100% 93.06%

GOI 20.81% 0% 20% 6.94%

SDL ‐ Gujarat 1.17%








United Phosphorus Limited 4.10%

Mahindra & Mahindra Financial Services Limited 3.98%




St l A th it f I di Ltd 3 14%

BOND FUND - JULY, 2013

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

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


Asset Mix

Particulars

For Dhan Suraksha, Dhan Suraksha Premium, Prabhat Tara.

Debt

MM & Others



Benchmark :

Debt93.06%

MM & Others6.94%


Gilt24 24%AA

AA+16.01%



MRF Ltd. 2.85%

Reliance Industries Ltd 2.83%


National Bank For Agriculture And Rural Development 1.99%


Tata Capital Financial Services Ltd 1.98%


TATA Sons 1.59%



MM & Others 6.94%

Total 100.00%

`

19.89%

10.35%

6.45%

4.89%

4.39%

4.30%

4.10%

4.06%



Water transport

Land transport and transport via pipelines ‐ Infra

Electricity, Gas, Steam and Aircondition Supply ‐ Infra

Civil engineering



M f f B i M l



25.89%

13.53%15.76%

35.14%

9.67%


Debt93.06%

MM & Others6.94%


Gilt24.24%

AAA59.32%

AA0.43%

AA+16.01%


10

11

12

13

14

NAV/U

NIT (Rs)


Bond Fund Benchmark

19.89%

10.35%

6.45%

4.89%

4.39%

4.30%

4.10%

4.06%

3.54%

2.85%



Water transport



Civil engineering




Manufacture of rubber and plastics products



25.89%

13.53%15.76%

35.14%

9.67%


Debt93.06%

MM & Others6.94%


Gilt24.24%

AAA59.32%

AA0.43%

AA+16.01%


9

10

11

12

13

14

Feb‐09

Apr‐09

May‐09

Jul‐09

Aug‐09

Oct‐09

Nov‐09

Jan‐10

Feb‐10

Apr‐10

May‐10

Jul‐10

Aug‐10

Oct‐10

Dec‐10

Jan‐11

Mar‐11

Apr‐11

Jun‐11

Jul‐11

Sep‐11

Oct‐11

Dec‐11

Jan‐12

Mar‐12

Apr‐12

Jun‐12

Jul‐12

Sep‐12

Oct‐12

Dec‐12

Jan‐13

Mar‐13

Apr‐13

Jun‐13

Jul‐13

NAV/U

NIT (Rs)


Bond Fund Benchmark



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

Products : AUM :

Rs. 68.28 Cr

Portfolio % to AUM

`










HDFC Bank Ltd 4.22%




Godrej Consumer Products Limited 3 41%

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

instruments by focusing predominantly on well established companies.

Asset Mix

ParticularsInvestment Pattern

Actual

MM & Others

INDIVIDUAL PENSION FUND EQUITY - JULY, 2013

Benchmark :



Equity

For Dhruv Tara Products

MM & Others11.66%



Infosys Ltd 2.73%





Lupin Limited 1.93%




Wipro Ltd 1.04%


MM & Others 11.66%

Total 100.00%

`

20.25%

13.49%

8.88%

8.38%

7.27%

6.02%

5.45%

4.86%

4.28%

3.17%





Civil engineering


Manufacture of motor vehicles, trailers and semi‐trailers

Telecommunications ‐ Infra

Diversified



Equity88.34%

MM & Others11.66%


10

11

12

13

14

15

16

17

18

19

20

21

22

Mar‐09

May‐09

Jun‐09

Aug‐09

Sep‐09

Nov‐09

Dec‐09

Feb‐10

Mar‐10

May‐10

Jun‐10

Aug‐10

Sep‐10

Nov‐10

Dec‐10

Feb‐11

Mar‐11

May‐11

Jun‐11

Aug‐11

Sep‐11

Nov‐11

Dec‐11

Jan‐12

Mar‐12

Apr‐12

Jun‐12

Jul‐12

Sep‐12

Oct‐12

Dec‐12

Jan‐13

Mar‐13

Apr‐13

Jun‐13

Jul‐13

NAV/U

NIT (R

s)


Pen Equity Benchmark

20.25%

13.49%

8.88%

8.38%

7.27%

6.02%

5.45%

4.86%

4.28%

3.17%





Civil engineering


Manufacture of motor vehicles, trailers and semi‐trailers

Telecommunications ‐ Infra

Diversified



Equity88.34%

MM & Others11.66%


10

11

12

13

14

15

16

17

18

19

20

21

22

Mar‐09

May‐09

Jun‐09

Aug‐09

Sep‐09

Nov‐09

Dec‐09

Feb‐10

Mar‐10

May‐10

Jun‐10

Aug‐10

Sep‐10

Nov‐10

Dec‐10

Feb‐11

Mar‐11

May‐11

Jun‐11

Aug‐11

Sep‐11

Nov‐11

Dec‐11

Jan‐12

Mar‐12

Apr‐12

Jun‐12

Jul‐12

Sep‐12

Oct‐12

Dec‐12

Jan‐13

Mar‐13

Apr‐13

Jun‐13

Jul‐13

NAV/U

NIT (R

s)


Pen Equity Benchmark



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

Products : AUM :

Rs. 73.44 Cr

Portfolio % to AUM

`



Tata Consultancy Services Limited 6.06% 0% 60% 32.02%




HDFC Bank Ltd 3.13%





Infosys Ltd 2.40%







Tata Steel Limited 1.41%



IndusInd Bank Limited 1.31%


Equity

Debt, MM & Others

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

investments primarily in equity and equity‐related instruments and fair exposure to high credit quality portfolio of debt and

money market instruments.

Asset Mix


Actual

INDIVIDUAL PENSION FUND GROWTH - JULY, 2013

Benchmark :




Debt28.25%

Equity67.98%

MM & Others3.77%


Gilt4.60%

AA0.95%

AA+9.67%


ITC Ltd. 1.23%


Debt 28.25%

Gilts & SDL 1.30%

GOI 1.21%














Rural Electrification Corporation Limited 1.34%


MM & Others 3.77%

Total 100.00%

`

21.14%

13.53%

9.09%

5.81%

5.23%

5.23%

5.01%

4.59%





Civil engineering






34.35%

24.53%

12.42%

24.18%

4.53%


Debt28.25%

Equity67.98%

MM & Others3.77%


Gilt4.60%

AAA84.77%

AA0.95%

AA+9.67%


12

13

14

15

16

17

18

19

NAV/U

NIT (Rs)


Pen Growth Benchmark

21.14%

13.53%

9.09%

5.81%

5.23%

5.23%

5.01%

4.59%

3.08%

2.97%





Civil engineering




Electricity, Gas, Steam and Aircondition Supply -Infra

Diversified



34.35%

24.53%

12.42%

24.18%

4.53%


Debt28.25%

Equity67.98%

MM & Others3.77%


Gilt4.60%

AAA84.77%

AA0.95%

AA+9.67%


10

11

12

13

14

15

16

17

18

19

Mar‐09

May‐09

Jun‐09

Aug‐09

Sep‐09

Nov‐09

Dec‐09

Feb‐10

Mar‐10

May‐10

Jun‐10

Aug‐10

Sep‐10

Nov‐10

Dec‐10

Feb‐11

Mar‐11

May‐11

Jun‐11

Aug‐11

Sep‐11

Nov‐11

Dec‐11

Jan‐12

Mar‐12

Apr‐12

Jun‐12

Jul‐12

Sep‐12

Oct‐12

Dec‐12

Jan‐13

Mar‐13

Apr‐13

Jun‐13

Jul‐13

NAV/U

NIT (Rs)


Pen Growth Benchmark



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

Products : AUM :

Rs. 46.39 Cr

Portfolio % to AUM

`


Infosys Ltd 3.91% 0% 60% 27.76%




Larsen & Toubro Limited 2.10%Aditya Birla Nuvo Limited 2.01%






Debt 65.43%

Gilts & SDL 8.87%

GOI 4.60%State Government ‐ Tamil Nadu 3.20%SDL (with < 1% exposure) 1.06%


Housing Development Finance Corporation Ltd. 5.28%Indian Oil Corporation Ltd 4.84%

Debt, MM & Others

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

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

Asset Mix


Actual

INDIVIDUAL PENSION FUND BALANCED - JULY, 2013

Benchmark :



Equity


Debt65.43%

Equity27.76%

MM & Others6.81%


Gilt13.55%AA

1 96%

AA+11.60%


Indian Oil Corporation Ltd 4.84%The Great Eastern Shipping Co. Limited 3.89%Steel Authority of India Ltd. 3.58%










TATA Sons 1.48%







MRF Ltd. 1.05%


MM & Others 6.81%

Total 100.00%

`

18.77%

9.59%

9.33%

6.92%

6.11%

5.44%

4.46%






Civil engineering


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

33.08%

15.42%

18.59%

27.99%

4.93%


Debt65.43%

Equity27.76%

MM & Others6.81%


Gilt13.55%

AAA72.89%

AA1.96%

AA+11.60%


11

12

13

14

15

16

NAV/U

NIT (Rs)


Pen Bal Benchmark

18.77%

9.59%

9.33%

6.92%

6.11%

5.44%

4.46%

3.89%

3.19%

2.96%






Civil engineering


Water transport

Accommodation


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

33.08%

15.42%

18.59%

27.99%

4.93%


Debt65.43%

Equity27.76%

MM & Others6.81%


Gilt13.55%

AAA72.89%

AA1.96%

AA+11.60%


10

11

12

13

14

15

16

Mar‐09

May‐09

Jun‐09

Aug‐09

Sep‐09

Nov‐09

Dec‐09

Feb‐10

Mar‐10

May‐10

Jun‐10

Aug‐10

Sep‐10

Nov‐10

Dec‐10

Feb‐11

Mar‐11

May‐11

Jun‐11

Aug‐11

Sep‐11

Nov‐11

Dec‐11

Jan‐12

Mar‐12

Apr‐12

Jun‐12

Jul‐12

Sep‐12

Oct‐12

Dec‐12

Jan‐13

Mar‐13

Apr‐13

Jun‐13

Jul‐13

NAV/U

NIT (Rs)


Pen Bal Benchmark



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

Products : AUM :

Rs. 12.25 Cr

Portfolio % to AUM

`


Gilts & SDL 21.50% 80% 100% 93.16%

GOI 11.64% 0% 20% 6.84%

State Government ‐ Tamil Nadu 4.04%

SDL ‐ Andhra Pradesh 2.24%


SDL ‐ Kerala 1.54%








l h f d d

MM & Others

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

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

Asset Mix


Actual

INDIVIDUAL PENSION FUND BOND - JULY, 2013

Benchmark :



Debt


Debt93.16%

MM & Others6.84%


Debt Rating Profile (% of Debt)Steel Authority of India Ltd. 5.53%




MRF Ltd. 3.31%



TATA Sons 2.43%






MM & Others 6.84%

Total 100.00%

`

16.08%

9.70%

7.16%

7.15%

6.67%

6.08%

5.79%

4.03%



Civil engineering





Accommodation



26.56%

16.75%12.34%

35.71%

8.64%


Debt93.16%

MM & Others6.84%


Gilt23.08%

AAA64.70%

AA1.73%

AA+10.48%


10.0

11.0

12.0

13.0

14.0

NAV/U

NIT (Rs)

NAV Performance (Since Inception)Pen Bond Benchmark

16.08%

9.70%

7.16%

7.15%

6.67%

6.08%

5.79%

4.03%

3.31%

2.44%



Civil engineering





Accommodation





26.56%

16.75%12.34%

35.71%

8.64%


Debt93.16%

MM & Others6.84%


Gilt23.08%

AAA64.70%

AA1.73%

AA+10.48%


9.0

10.0

11.0

12.0

13.0

14.0

Mar‐09

May‐09

Jun‐09

Aug‐09

Sep‐09

Nov‐09

Dec‐09

Feb‐10

Mar‐10

May‐10

Jun‐10

Aug‐10

Sep‐10

Nov‐10

Dec‐10

Feb‐11

Mar‐11

May‐11

Jun‐11

Aug‐11

Sep‐11

Nov‐11

Dec‐11

Jan‐12

Mar‐12

Apr‐12

Jun‐12

Jul‐12

Sep‐12

Oct‐12

Dec‐12

Jan‐13

Mar‐13

Apr‐13

Jun‐13

Jul‐13

NAV/U

NIT (Rs)

NAV Performance (Since Inception)Pen Bond Benchmark



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

Products: AUM :

Rs. 461.94 Cr

Portfolio % to AUM

`





Infosys Ltd 3.86%

HDFC Bank Ltd 3.78%




ITC Ltd. 3.19%








State Bank of India 2 37%

Equity

MM & Others

Benchmark :



APEX EQUITY FUND - JULY, 2013

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

related instruments.


Asset Mix

Particulars

For New Dhan Suraksha, New Dhan Suraksha Premium,

New Prabhat Tara, Dhan Suraksha 3 & Dhan Suraksha

Premium 3, Prabhat Tara 3.

Equity89.05%

MM & Others10.95%









Cipla Ltd. 1.57%


Lupin Limited 1.43%



Ambuja Cements Ltd 1.17%

Hindustan Petroleum Corporation Ltd. 1.07%

Sterlite Industries ( India ) Limited 1.04%

Wipro Ltd 1.04%


MM & Others 10.95%

Total 100.00%

`

19.35%

13.65%

8.53%

7.38%

5.95%

4.15%

3.82%

3.52%






Civil engineering


Extraction of crude petroleum and natural gas


Equity89.05%

MM & Others10.95%


8.0

9.0

10.0

11.0

12.0

13.0

Jan‐10

Mar‐10

Apr‐10

Jun‐10

Aug‐10

Sep‐10

Nov‐10

Dec‐10

Feb‐11

Apr‐11

May‐11

Jul‐11

Aug‐11

Oct‐11

Dec‐11

Jan‐12

Mar‐12

May‐12

Jun‐12

Aug‐12

Sep‐12

Nov‐12

Jan‐13

Feb‐13

Apr‐13

May‐13

Jul‐13

NAV/U

NIT (Rs)


Apex Equity Benchmark

19.35%

13.65%

8.53%

7.38%

5.95%

4.15%

3.82%

3.52%

3.22%

3.19%






Civil engineering




Manufacture of tobacco products


Equity89.05%

MM & Others10.95%


8.0

9.0

10.0

11.0

12.0

13.0

Jan‐10

Mar‐10

Apr‐10

Jun‐10

Aug‐10

Sep‐10

Nov‐10

Dec‐10

Feb‐11

Apr‐11

May‐11

Jul‐11

Aug‐11

Oct‐11

Dec‐11

Jan‐12

Mar‐12

May‐12

Jun‐12

Aug‐12

Sep‐12

Nov‐12

Jan‐13

Feb‐13

Apr‐13

May‐13

Jul‐13

NAV/U

NIT (Rs)


Apex Equity Benchmark



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

Products : AUM :

Rs. 480.9 Cr

Portfolio % to AUM

`



Tata Consultancy Services Limited 3.07% 15% 45% 32.98%





Infosys Ltd 2.65%





HDFC Bank Ltd 2.36%



ITC Ltd. 1.90%




Lupin Limited 1.42%


Cipla Ltd. 1.39%

Equity

Debt, MM & Others

Benchmark :



APEX GROWTH FUND - JULY, 2013

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

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


Asset Mix

Particulars

For New Dhan Suraksha, New Dhan Suraksha

Premium, New Prabhat Tara, Dhan Suraksha 3 & Dhan

Suraksha Premium 3, Prabhat Tara 3.

Debt26.69%

Equity67.02%

MM & Others6.28%


Gilt14.21%AA+

17.62%

AA‐1.57%









Ambuja Cements Ltd 1.00%


Debt 26.69%

Gilts & SDL 3.79%

GOI 3.78%







Sundaram Finance Ltd. 1.07%


MM & Others 6.28%

Total 100.00%

`

20.74%

11.17%

7.20%

6.34%

6.19%

5.37%

4.35%










20.83%

11.36%8.11%

40.75%

18.96%


Debt26.69%

Equity67.02%

MM & Others6.28%


Gilt14.21%

AAA66.60%

AA+17.62%

AA‐1.57%


10.0

10.5

11.0

11.5

12.0

12.5

NAV/U

NIT (R

s)


Apex Growth Benchmark20.74%

11.17%

7.20%

6.34%

6.19%

5.37%

4.35%

4.29%

3.08%

2.92%









Civil engineering




20.83%

11.36%8.11%

40.75%

18.96%


Debt26.69%

Equity67.02%

MM & Others6.28%


Gilt14.21%

AAA66.60%

AA+17.62%

AA‐1.57%


9.0

9.5

10.0

10.5

11.0

11.5

12.0

12.5

Jan‐10

Mar‐10

Apr‐10

Jun‐10

Aug‐10

Sep‐10

Nov‐10

Dec‐10

Feb‐11

Apr‐11

May‐11

Jul‐11

Aug‐11

Oct‐11

Dec‐11

Jan‐12

Mar‐12

May‐12

Jun‐12

Aug‐12

Sep‐12

Nov‐12

Jan‐13

Feb‐13

Apr‐13

May‐13

Jul‐13

NAV/U

NIT (R

s)


Apex Growth Benchmark



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

Products : AUM :

Rs. 324.59 Cr

Portfolio % to AUM

`




Infosys Ltd 2.44%





HDFC Bank Ltd 1.70%






ITC Ltd. 1.36%


Lupin Limited 1.30%





Debt 44.17%

Gil & SDL 8 22%

Equity

Debt, MM & Others

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

high quality equity and debt instruments.

Benchmark :



For New Dhan Suraksha, New Dhan Suraksha

Premium, New Prabhat Tara, Dhan Suraksha 3 & Dhan

Suraksha Premium 3, Prabhat Tara 3.

APEX BALANCED FUND - JULY, 2013


Asset Mix

Particulars

Debt44.17%

Equity46.14%

MM & Others9.69%

Asset Allocation( % to AUM)

Gilt18.60%

AA+14.21%

AA‐3.51%


Gilts & SDL 8.22%

GOI 5.46%








United Phosphorus Limited 1.57%

Raymond Ltd. 1.55%

Infrastructure Leasing & Financial Services Ltd. 1.42%


UltraTech Cement Limited 1.32%

HDB Financial Services LTD 1.23%





Hindalco Industries Ltd. 1.06%Others (with < 1% exposure) 7.10%

MM & Others 9.69%

Total 100.00%

`

20.44%

8.77%

7.69%

5.47%

4.50%

3.60%

3.57%



Computer programming, consultancy and

related activities


Manufacture of pharmaceuticals, medicinal

chemical and botanical products





18.11%

12.42%

8.98%

45.65%

14.84%


Debt44.17%

Equity46.14%

MM & Others9.69%


Gilt18.60%

AAA63.68%

AA+14.21%

AA‐3.51%


10

10.5

11

11.5

12

12.5

13

NAV/U

NIT (R

s)


Apex Balance Benchmark

20.44%

8.77%

7.69%

5.47%

4.50%

3.60%

3.57%

3.51%

3.09%

2.34%




related activities


Manufacture of pharmaceuticals, medicinal

chemical and botanical products



Civil engineering


Manufacture of other non-metallic mineral products



18.11%

12.42%

8.98%

45.65%

14.84%


Debt44.17%

Equity46.14%

MM & Others9.69%


Gilt18.60%

AAA63.68%

AA+14.21%

AA‐3.51%


9

9.5

10

10.5

11

11.5

12

12.5

13

Jan‐10

Mar‐10

Apr‐10

Jun‐10

Aug‐10

Sep‐10

Nov‐10

Dec‐10

Feb‐11

Apr‐11

May‐11

Jul‐11

Aug‐11

Oct‐11

Dec‐11

Jan‐12

Mar‐12

May‐12

Jun‐12

Aug‐12

Sep‐12

Nov‐12

Jan‐13

Feb‐13

Apr‐13

May‐13

Jul‐13

NAV/U

NIT (R

s)


Apex Balance Benchmark



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

Products : AUM :

Rs. 122.44 Cr

Portfolio % to AUM

`


Gilts & SDL 29.12% 80% 100% 90.47%

GOI 26.38% 0% 20% 9.53%





National Thermal Power Corporation Limited 5.54%









DEBT

MM & Others

Particulars

Benchmark :



APEX BOND FUND - JULY, 2013




Asset Mix

For New Dhan Suraksha, New Dhan Suraksha Premium,

New Prabhat Tara, Dhan Suraksha 3 & Dhan Suraksha

Premium 3, Prabhat Tara 3.

Debt90.47%

MM & Others9.53%


AA‐Debt Rating Profile (% of Debt)g






Chennai Petroleum Corporation Limited 1.59%



MRF Ltd. 1.24%

L & T Finance Ltd. 1.23%

TATA Sons 1.04%



MM & Others 9.53%

Total 100.00%

`

17.29%

11.42%

9.70%

6.37%

4.03%

3.53%

1.64%

1.61%





Warehousing and support activities for transportation - Infra


Water transport

Accommodation



10.02% 8.77%

3.57%

43.26%

34.37%


Debt90.47%

MM & Others9.53%


Gilt32.19%

AAA52.17%

AA+14.96%

AA‐0.68%


10.610.811.011.211.411.611.812.012.212.412.612.813.013.213.413.6

NAV/U

NIT (Rs)


Apex Bond Benchmark

17.29%

11.42%

9.70%

6.37%

4.03%

3.53%

1.64%

1.61%

1.35%

1.24%







Water transport

Accommodation

Civil engineering




10.02% 8.77%

3.57%

43.26%

34.37%


Debt90.47%

MM & Others9.53%


Gilt32.19%

AAA52.17%

AA+14.96%

AA‐0.68%


9.810.010.210.410.610.811.011.211.411.611.812.012.212.412.612.813.013.213.413.6

Jan‐10

Mar‐10

Apr‐10

Jun‐10

Aug‐10

Sep‐10

Nov‐10

Dec‐10

Feb‐11

Apr‐11

May‐11

Jul‐11

Aug‐11

Oct‐11

Dec‐11

Jan‐12

Mar‐12

May‐12

Jun‐12

Aug‐12

Sep‐12

Nov‐12

Jan‐13

Feb‐13

Apr‐13

May‐13

Jul‐13

NAV/U

NIT (Rs)


Apex Bond Benchmark



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

Products : AUM :

Rs. 108.44 Cr

Portfolio % to AUM

`




HDFC Bank Ltd 4.81%



Infosys Ltd 4.09%










MM & Others

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

instruments by focusing predominantly on well established companies.

Asset Mix


Actual

INDIVIDUAL PENSION FUND APEX EQUITY - JULY, 2013

Benchmark :



Equity

For New Dhruv Tara Products

i

MM & Others9.31%





ITC Ltd. 2.26%

Cipla Ltd. 2.10%

Lupin Limited 1.73%








MM & Others 9.31%

Total 100.00%

`

20.99%

13.51%

8.95%

8.53%

6.20%

5.91%

4.05%

3.90%

3.83%



Manufacture of pharmaceuticals, medicinal chemical and

botanical products



Civil engineering



Electricity, Gas, Steam and Aircondition Supply Infra


Equity90.69%

MM & Others9.31%


8.5

9.0

9.5

10.0

10.5

11.0

11.5

12.0

12.5

13.0

Jan‐10

Mar‐10

Apr‐10

Jun‐10

Aug‐10

Sep‐10

Nov‐10

Dec‐10

Feb‐11

Apr‐11

May‐11

Jul‐11

Aug‐11

Oct‐11

Dec‐11

Jan‐12

Mar‐12

May‐12

Jun‐12

Aug‐12

Sep‐12

Nov‐12

Jan‐13

Feb‐13

Apr‐13

May‐13

Jul‐13

NAV/U

NIT (R

s)


Pen Apex Equity Benchmark

20.99%

13.51%

8.95%

8.53%

6.20%

5.91%

4.05%

3.90%

3.83%

2.99%




botanical products



Civil engineering






Equity90.69%

MM & Others9.31%


8.5

9.0

9.5

10.0

10.5

11.0

11.5

12.0

12.5

13.0

Jan‐10

Mar‐10

Apr‐10

Jun‐10

Aug‐10

Sep‐10

Nov‐10

Dec‐10

Feb‐11

Apr‐11

May‐11

Jul‐11

Aug‐11

Oct‐11

Dec‐11

Jan‐12

Mar‐12

May‐12

Jun‐12

Aug‐12

Sep‐12

Nov‐12

Jan‐13

Feb‐13

Apr‐13

May‐13

Jul‐13

NAV/U

NIT (R

s)


Pen Apex Equity Benchmark



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

Products : AUM :

Rs. 125.2 Cr

Portfolio % to AUM

`







HDFC Bank Ltd 3.42%


Infosys Ltd 2.95%



ITC Ltd. 2.50%





Cipla Ltd. 1.74%



Lupin Limited 1.60%

Debt, MM & Others

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

through investments primarily in equity and equity‐related instruments and fair exposure to high credit quality

portfolio of debt and money market instruments.

Asset Mix


Actual

INDIVIDUAL PENSION FUND APEX GROWTH - JULY, 2013

Benchmark :



Equity


Debt27.82%

Equity67.05%

MM & Others5.13%


Gilt13 78%

AA+7 17%

Debt Rating Profile (% of Debt)p







Debt 27.82%

Gilts & SDL 3.83%

GOI 2.55%


Corporate Bonds 23.98%Housing Development Finance Corporation Ltd. 3.53%








TATA Sons 1.02%


MM & Others 5.13%

Total 100.00%

`

21.44%

13.24%

8.57%

6.16%

5.58%

5.32%

4.55%






Civil engineering




32.45%

18.51%

4.96%

37.67%

6.41%


Debt27.82%

Equity67.05%

MM & Others5.13%


Gilt13.78%

AAA79.04%

AA+7.17%


9 5

10.0

10.5

11.0

11.5

12.0

12.5

NAV/U

NIT (Rs)


Pen Apex Growth Benchmark21.44%

13.24%

8.57%

6.16%

5.58%

5.32%

4.55%

3.77%

3.69%

3.64%






Civil engineering







32.45%

18.51%

4.96%

37.67%

6.41%


Debt27.82%

Equity67.05%

MM & Others5.13%


Gilt13.78%

AAA79.04%

AA+7.17%


9.0

9.5

10.0

10.5

11.0

11.5

12.0

12.5

Jan‐10

Mar‐10

Apr‐10

Jun‐10

Aug‐10

Sep‐10

Nov‐10

Dec‐10

Feb‐11

Apr‐11

May‐11

Jul‐11

Aug‐11

Oct‐11

Dec‐11

Jan‐12

Mar‐12

May‐12

Jun‐12

Aug‐12

Sep‐12

Nov‐12

Jan‐13

Feb‐13

Apr‐13

May‐13

Jul‐13

NAV/U

NIT (Rs)


Pen Apex Growth Benchmark



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

Products : AUM :

Rs. 57.89 Cr

Portfolio % to AUM

`



Mahindra & Mahindra Ltd. 4.13% 35% 65% 49.37%

HDFC Bank Ltd 3.42%

HCL Technologies Ltd 3.10%Lupin Limited 2.66%Larsen & Toubro Limited 2.52%



Tech Mahindra Limited 2.38%State Bank of India 1.50%Grasim Industries Ltd. 1.44%

Housing Development Finance Corporation Ltd. 2.21%Aditya Birla Nuvo Limited 1.96%

Bharti Airtel Limited 1.79%Infosys Ltd 1.57%Power Grid Corporation of India Limited 1.43%Cipla Ltd. 1.38%IndusInd Bank Limited 1.24%Tata Steel Limited 1.22%Sun Pharmaceuticals Industries Ltd 1.17%Axis Bank Limited 1.07%

Debt, MM & Others

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

in high quality equity and debt instruments.

Asset Mix


Actual

INDIVIDUAL PENSION FUND APEX BALANCED -JULY, 2013

Benchmark :



Equity


Debt43.97%

Equity50.63%

MM & Others5.40%


Gilt25.30%

AA+2.64%


Axis Bank Limited 1.07%ICICI Bank Ltd 1.02%


Debt 43.98%

Gilts & SDL 11.12%

GOI 7.21%



SDL ‐ Other States (with < 1% exposure) 0.54%









TATA Sons 1.70%



MM & Others 5.40%

Total 100.00%

`

22.61%

10.19%

6.85%

6.85%

5.52%

5.51%

4.53%

4.38%



Civil engineering



botanical products




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

19.55%16.92%

0.95%

49.95%

12.63%


Debt43.97%

Equity50.63%

MM & Others5.40%


Gilt25.30%

AAA72.07%

AA+2.64%


9.5

10.0

10.5

11.0

11.5

12.0

12.5

13.0

NAV/U

NIT (Rs)


Pen Apex Bal Benchmark

22.61%

10.19%

6.85%

6.85%

5.52%

5.51%

4.53%

4.38%

2.90%

2.46%



Civil engineering



botanical products






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

19.55%16.92%

0.95%

49.95%

12.63%


Debt43.97%

Equity50.63%

MM & Others5.40%


Gilt25.30%

AAA72.07%

AA+2.64%


9.0

9.5

10.0

10.5

11.0

11.5

12.0

12.5

13.0

Jan‐10

Mar‐10

Apr‐10

Jun‐10

Aug‐10

Sep‐10

Nov‐10

Dec‐10

Feb‐11

Apr‐11

May‐11

Jul‐11

Aug‐11

Oct‐11

Dec‐11

Jan‐12

Mar‐12

May‐12

Jun‐12

Aug‐12

Sep‐12

Nov‐12

Jan‐13

Feb‐13

Apr‐13

May‐13

Jul‐13

NAV/U

NIT (Rs)


Pen Apex Bal Benchmark



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

Products : AUM :

For New Dhruv Tara Products Rs. 25.75 Cr

Portfolio % to AUM

`


Gilts & SDL 31.80% 80% 100% 91.95%

GOI 24.55% 0% 20% 8.05%


State Govt ‐ Maharashtra 2.78%









Raymond Ltd. 3.91%



TATA Sons 2.29%

MM & Others



Asset Mix


Actual

INDIVIDUAL PENSION FUND APEX BOND -JULY 2013

Benchmark :



DEBT

Debt91.95%

MM & Others8.05%


AA+AA‐

Debt Rating Profile (% of Debt)TATA Sons 2.29%

MRF Ltd. 1.97%


Chennai Petroleum Corporation Limited 1.89%

National Thermal Power Corporation Limited 1.88%







MM & Others 8.05%

Total 100.00%

`

12.65%

11.48%

8.52%

4.58%

4.50%

4.20%

4.08%

3.91%

1 97%





Civil engineering


Warehousing and support activities for transportation ‐ Infra

Manufacture of textiles

Manufacture of rubber and plastics



13.09%

20.22%

0.51%

37.36%

28.82%


Debt91.95%

MM & Others8.05%


Gilt34.59%

AAA51.09%

AA+10.07%

AA‐4.25%


10.3

10.8

11.3

11.8

12.3

12.8

13.3

NAV/U

NIT (Rs)


Pen Apex Bond Benchmark

12.65%

11.48%

8.52%

4.58%

4.50%

4.20%

4.08%

3.91%

1.97%

1.57%





Civil engineering


Warehousing and support activities for transportation ‐ Infra

Manufacture of textiles





13.09%

20.22%

0.51%

37.36%

28.82%


Debt91.95%

MM & Others8.05%


Gilt34.59%

AAA51.09%

AA+10.07%

AA‐4.25%


9.8

10.3

10.8

11.3

11.8

12.3

12.8

13.3

Jan‐10

Mar‐10

Apr‐10

Jun‐10

Aug‐10

Sep‐10

Nov‐10

Dec‐10

Feb‐11

Apr‐11

May‐11

Jul‐11

Aug‐11

Oct‐11

Dec‐11

Jan‐12

Mar‐12

May‐12

Jun‐12

Aug‐12

Sep‐12

Nov‐12

Jan‐13

Feb‐13

Apr‐13

May‐13

Jul‐13

NAV/U

NIT (Rs)


Pen Apex Bond Benchmark



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

Products : AUM :

For Dhan Suraksha Express Rs. 38.27 Cr

Portfolio % to AUM

`



HCL Technologies Ltd 1.80% 40% 100% 73.22%


HDFC Bank Ltd 1.43%

Larsen & Toubro Limited 1.29%Bajaj Auto Limited 1.26%Infosys Ltd 1.22%


Debt 57.39%

Gilts & SDL 13.82%

GOI 11.23%






Power Grid Corporation of India Limited 4 38%

Equity

Debt, MM & Others

EXPRESS BALANCED FUND - JULY, 2013

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

high quality equity and debt instruments.

Asset Mix

Benchmark :




Actual

Debt57.39%

Equity26.78%

MM & Others15.83%


GiltAA+

12 24%

AA‐1.14%







Larsen & Toubro Limited 1.52%MRF Ltd. 1.32%L & T Finance Ltd. 1.31%Tata Capital Financial Services Ltd 1.29%LIC Housing Finance Ltd 1.29%National Thermal Power Corporation Limited 1.27%




MM & Others 15.83%

Total 100.00%

`

10.93%

10.88%

6.60%

5.43%

5.24%

4.42%

3.56%

2.82%





Water transport


related activities


Civil engineering



4.55%

10.14% 7.60%

52.28%

25.43%


Debt57.39%

Equity26.78%

MM & Others15.83%


Gilt24.08%

AAA62.54%

AA+12.24%

AA‐1.14%


10.1

10.6

11.1

11.6

12.1

NAV/U

NIT (Rs)


Exp Bal Benchmark

10.93%

10.88%

6.60%

5.43%

5.24%

4.42%

3.56%

2.82%

2.68%

2.51%





Water transport


related activities


Civil engineering

Accommodation




4.55%

10.14% 7.60%

52.28%

25.43%


Debt57.39%

Equity26.78%

MM & Others15.83%


Gilt24.08%

AAA62.54%

AA+12.24%

AA‐1.14%


9.6

10.1

10.6

11.1

11.6

12.1

Apr‐11

May‐11

Jun‐11

Jul‐11

Aug‐11

Sep‐11

Oct‐11

Nov‐11

Dec‐11

Dec‐11

Jan‐12

Feb‐12

Mar‐12

Apr‐12

May‐12

Jun‐12

Jul‐12

Jul‐12

Aug‐12

Sep‐12

Oct‐12

Nov‐12

Dec‐12

Jan‐13

Feb‐13

Mar‐13

Mar‐13

Apr‐13

May‐13

Jun‐13

Jul‐13

NAV/U

NIT (Rs)


Exp Bal Benchmark



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

Products : AUM :

For all Unit Linked products Rs. 138.39 Cr

Portfolio % to AUM

`

Debt & MM 100.00% Minimum Maximum

Gilts & SDL 66.60%

MM & Others 33.40%

DISCONTINUED POLICIES FUND - JULY, 2013

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

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

Benchmark :

Asset Mix



Actual

Debt & MM 100.00%0% 100%

Debt & MM100.00%


10.18

10.28

10.38

10.48

10.58

10.68

10.78

10.88

10.98

11.08

11.18

11.28

11.38

11.48

11.58

NAV/U

NIT (Rs)

NAV Performance (Since Nov 01, 2011)

Discontinued Fund Benchmark

Debt & MM100.00%


9.98

10.08

10.18

10.28

10.38

10.48

10.58

10.68

10.78

10.88

10.98

11.08

11.18

11.28

11.38

11.48

11.58

Nov‐11

Dec‐11

Jan‐12

Feb‐12

Mar‐12

Apr‐12

May‐12

Jun‐12

Jul‐12

Aug‐12

Sep‐12

Oct‐12

Nov‐12

Dec‐12

Jan‐13

Feb‐13

Mar‐13

Apr‐13

May‐13

Jun‐13

Jul‐13

NAV/U

NIT (Rs)

NAV Performance (Since Nov 01, 2011)

Discontinued Fund Benchmark

Risk Factors

• This document has been prepared for the purpose of providing general information

only.

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

products and are subject to various risk factors.

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

appetite and other aspects of their financial situation before making an investment

decision.

• Unit linked policies are subject to market risks associated with capital markets and

NAVs of units may go up or down based on the performance of fund and factors

influencing the capital market and the customers have to consider this aspect while

taking any decision.

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

investments made based on this document.

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

are not indicative of its future prospects or returns.

• All efforts have been made to ensure accuracy of the contents of this document,

however, SUD Life shall not be held responsible for any errors or omissions.

Disclaimers related to Benchmark Indices

CRISIL Composite Bond Index and CRISIL Liquid Fund Index

CRISIL has taken due care and caution in compilation of data. Information has been obtained by CRISIL

from sources it considers reliable. However, CRISIL does not guarantee the accuracy, adequacy or

completeness of the information and is not responsible for any errors or omissions or for the results

obtained from the use of such information. CRISIL is not responsible for any errors in data

reproduction. CRISIL especially states that it has no financial liability whatsoever to the subscribers/

users/ transmitters/ distributors of this bulletin.

CNX NIFTY

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

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 without comment - sud life fact sheet - july 2013.pdf · tata consultancy services...

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