BALIC Annual Report10 11

Annual Report2010-2011

Bajaj Allianz Life Insurance Co. Ltd.

BOARD OF DIRECTORS :

AUDITORS :

MAIN BANKERS :

REGISTERED OFFICE :Bajaj Allianz Life Insurance Company Limited

Mr. Rahul Bajaj (Chairman)Mr. Manuel BauerMr. Sanjay AsherMr. Niraj BajajMr. Sanjiv BajajMr. Heinz DollbergMr. Kamesh Goyal (Alternate Director to Mr. Manuel Bauer)Mr. Ranjit GuptaMr. S. H. KhanMr. Suraj MehtaMr. V. Philip (Managing Director & Chief Executive Officer)Mr. Manu Tandon

B S R & Co.Chartered Accountants

DALAL & SHAHChartered Accountants

Standard Chartered BankAXIS BankDeutsche BankHDFC BankCiti Bank

Ground Floor, G.E. Plaza, Airport Road,Yerawada, Pune- 411006.Tel : 020-6602 6777Fax : 020-6602 6789email : [email protected] us at : www.bajajallianzlife.co.in

Bajaj Allianz Life Insurance Company Ltd. I IRDA Registration No.116 dated 3rd August, 2001

INDEX

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Annual Report 2010-2011Bajaj Allianz Life Insurance Company Ltd. I IRDA Registration No.116 dated 3rd August, 2001

Directors' Report 2

Management Report 10

Auditors' Report 13

Revenue Account : Policyholders' Account (Technical Account) 16

Profit & Loss Account : Shareholders' Account (Non Technical Account) 21

Balance Sheet 22

Schedule 1-15 24

Annexure to Revenue Account 40

Notes to Financial Statements 46

Cash Flow Statement 138

Balance Sheet Abstract & Company's General Business Profile 139

Directors' Report

The Directors have pleasure in presenting their Tenth Annual Report & Audited Statements of Accounts for the year 2010-11.

Life Insurance industry that had seen rapid growth from the opening up of the sector in 2000-01 till 2009 –10, has witnessed a minor slowdown in the current financial year. During the year life insurance industry had a new business growth of 15.1% as against 25.5% in the year 2009-10. The 23 life insurers have mobilized a first year premium of Rs 1,258.2 billion in 2010-11 compared to Rs 1,092.9 billion in the previous year. The market share of LIC has increased from 64.9% to 68.7% while that of the private players has reduced from 35.1% to 31.3%. The Industry witnessed a negative growth of 9.66% in the second half over the corresponding period in the previous year. There has been a significant shift in the business mix, across the industry, mainly among Private Life companies, from individual regular premium business towards individual single premium business and group business. The life industry, in the second half of the year, saw a decline of 26.9% in individual regular premium business (43.5% for private companies).

A number of new regulations and amendments of earlier regulations for the insurance industry have been introduced by IRDA in the financial year 2010-11. The new changes are largely for the benefit of the policyholders which includes capping on charges and transparency in disclosures by the insurance companies. In addition to the capping of charges in the unit linked products, the lock-in period for all Unit Linked Products has been increased from three years to five years, including on the top-up premiums, to promote long term investment by the customer. Also, charges on ULIPs have been mandated to be evenly distributed during the lock in period, to eliminate high front ending of expenses. The Regulations on Treatment of Discontinued Linked Insurance Policies have also been issued wherein a policyholder would be entitled to exercise an option of either reviving the policy or completely withdrawing from the policy without any risk cover and the rates for discontinuance are also specified by the Authority. It has also been specified that all ULIP pension / annuity products shall offer a minimum guaranteed return of 3.5% on the maturity date, which has hugely impacted the sale of pension products by the insurers. These changes though welcome, pose tremendous challenge to the insurance industry in the short term.

The Authority has also issued guidelines pertaining to time-frames and uniform definitions and classifications with respect to grievance redressal by insurance companies. The distribution model for to referral tie-ups have been revised and earlier

1. Market scenario in the life insurance industry:

referral guidelines applicable to banks have been withdrawn. New regulations pertaining to sharing of database for distribution of insurance products have been issued. IRDA has also issued guidelines prescribing outsourcing of the core functions and rules for outsourcing of non-core functions.

Business Performance

Your Company is at the fourth position amongst the private life insurers on the basis of new business premium and second in terms of the number of policies issued, for the financial year 2010-11. It wrote new business of Rs. 34.7 billion during 2010-11 compared to Rs. 44.5 billion in the previous year . The market share of the Company reduced to 2.8% compared to 4.1% in the previous year. The gross premium written for the financial year 2010-11 was Rs. 96 billion, as compared to Rs. 114 billion in the previous year, registering a negative growth.

Your Company earned a profit of Rs. 9.6 billion during 2010-11, compared to Rs. 4.2 billion in the previous year. This has been achieved by focusing on expense management, operational efficiency and acquisition expenses.

After distribution of current year's surplus of Rs. 8.2 billion (previous year Rs. 4 billion) and further transfer of Rs. 1.1 billion (previous year Rs. 1.2 billion) from Funds for Future Appropriation, the shareholders' profit after tax stands at Rs. 10.5 billion (previous year Rs. 5.4 billion). In 2010-11, all accumulated losses have been set off and as at 31 March 2011 your Company has accumulated profits of Rs 10.4 billion.

Investments

The funds under management as on 31st March 2011 were Rs. 393 billion comprising shareholder investments of Rs. 23.52 billion; traditional policyholder investments of Rs. 40.94 billion and Unit Linked investments of Rs. 328.84 billion. The total investments under management of the Company have increased by 17.7% from Rs. 334 billion in the previous year.

The traditional portfolios were managed keeping in mind the regulatory asset allocation requirements. The performance of the ULIP funds, for the year ended 31st March 2011 was among the top three players of the industry. Your Company's cash funds delivered returns of 7% to 7.5%, outperforming the CRISIL Composite Liquid Index by 140 basis points while the bond funds outperformed the CRISIL Composite Bond Index by over 250 basis points, Debt Plus Pension Fund and Debt Plus Fund generated returns of 7.6% and 7.5% respectively without taking on undue credit or interest rate risks. Your Company's diversified

2. Summary of operations for the year:

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Particulars 2010-2011 2009-2010

No. of Policies

Amount (Rs crore)

No. of Policies

Amount (Rs crore)

Claims Intimated / Booked 25,511 515 22,516 403Claims Settled 23,980 478 20,316 361Repudiated 1,913 47 1,197 26

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Annual Report 2010-2011

equity funds have delivered returns that are better than the benchmark Nifty Indices. The large cap equity funds have outperformed the NSE Nifty Index by over 5.5%, Equity Plus Pension Fund and Equity Growth Pension Fund delivering more than 16.5% returns. Mid cap equity funds have outperformed the Nifty Mid Cap 50 Index by over 15% with Accelerated Mid Cap Fund II and Equity Mid Cap Pension Fund generating returns of 8.4% and 7% respectively.

Products

Your Company has a basket of 43 products comprising of 16 group products & 27 individual products including 12 new products launched in the year. This includes the Unit Linked Insurance Products duly modified and reintroduced as per the IRDA Regulation on Treatment of Discontinued Linked Insurance Policies.

Office network

Your Company has a pan India presence in over 1090 offices across all geographies of India. Operations & Processing Hubs have been formed at various locations to cater to the operational requirement and underwriting of policies.

Customer Service

Policyholders Protection Committee has been constituted by the company in accordance with the Corporate Governance guidelines notified by Insurance Regulatory and Development Authority (IRDA) for the resolution of customers complaints.

Your Company introduced various initiatives during the period under consideration which inter alia included sending of an automated SMS to customers on closure of query and rating of services by the customer, as a part of customer engagement facilities. As a part of customer engagement facilities, video conferencing facility were provided at some offices for walk in customers facilitating direct communication with the customer service executives. Welcome calling for the high net-worth customers was also initiated by your Company. As a part of improving the processes and servicing of customers, root cause analysis of the complaints was also done.

Death claims intimated / booked during the current year and previous year are as below:

Bajaj Allianz Life Insurance Company Ltd. I Directors’ Report for the Financial Year ended 31st March 2011

Note: The Above includes only Death Claims & Accidental benefit riders & does not include surrender benefits & withdrawals.

Renewals

Your Company has continued to focus on renewals and has undertaken initiatives for persistency of its existing policies. A separate Renewal Vertical has been in place for the last three years with a view to focusing on collection of renewal premiums and servicing policyholders. The initiatives taken by Renewal Vertical include Automated Calls to Policy holders at defined turn-around time (TAT) to remind them on the renewal due, sending of SMS, E-Mailers etc.. Company also sends renewal intimation letters to the customers in English as well as customer preferred vernacular language of the available 12 different languages. Call recording facility across branches was activated to monitor the quality of calls. A dedicated service team was also set up to address all reverts and requests received by customers through Automated Calls & SMSs, Emails etc..

The policy lapsation ratio of the whole portfolio of the Company for the current year is 41% compared to 32 % of previous year. This is being calculated by taking the ratio of current year's renewal premium with the previous year's first year premium and renewal premium.

Recognition and Awards

Your Company received the Bloomberg UTV Financial Leadership Awards 2011 in the category –“Best contribution in Investor Education and Category Enhancement of the year” in Insurance. The trophy was received from the Honourable Finance Minister, Mr. Pranab Mukherjee.

Corporate Communication

Your Company continued its valued association with IBN 7 network for the sponsored property “Super Idols”, the prestigious platform that celebrates the physically handicapped citizens of India and introduced 'Ability Insurance', a customized solution for them. The Allianz global format of Junior Football Camp in India with a school contact program in 7 states resulted in 6 select teenagers attending an exclusive football training camp at FC Bayern Club at Munich. A unique Tax Campaign message with a dynamic Mobile Tax Calculator Application was communicated via a 360 degree robust campaign across the country. The first phase of a 2000 school mass reach initiative “Discover India with Anupam Kher” was kicked off, which is a unique children's quiz format played at schools and the finals were aired on leading TV channel, Star Plus. In addition to the above, your Company sponsored the Union Budget 2011 on Bloomberg UTV and Zee Business television channels and Kerala Assembly Election 2011 on Manorama News channel. The Brand

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was also present as an advertiser during the euphoric Cricket World Cup 2011 matches on Doordarshan.

The total funds infused by the shareholders in the Company remains Rs. 12.11 billion, with no fresh infusion of capital during the year 2010-11. The solvency ratio as at 31st March 2011 stands at 366% as against the required of 150%.

IRDA has renewed the Certificate of Registration of the Company to carry on life insurance business for the year 2011-12.

The particulars in the Companies (Disclosure of Particulars in the report of the Board of Directors) Rules, 1988, pertaining to conservation of energy does not apply to life insurance industry and hence are not applicable to your Company.

Information Technology Your Company leverages information technology as a strategic tool to gain competitive advantage and to improve productivity and efficiency of the Organisation. Our platforms are designed to service scale and are capable of handling high customer and transaction volumes. We have used technology to deliver process improvements, innovations and to add value to our services to the customers.

Earnings in foreign currency NILExpenditure in foreign currency Rs. 275 million

As required by the provisions of sub-section 2A of Section 217 of the Companies Act, 1956 read with the Companies (Particulars of Employees) Rules, 1975 as amended, the names and other particulars of the employees are set out in the Annexure A to the Directors' Report. This report and accounts are being sent to shareholders excluding the said information. Any shareholder interested in obtaining such information may write to the Company Secretary at the registered office of the Company for a copy thereof.

Mr. Sanjiv Bajaj, Mr. Heinz Dollberg and Mr. Manu Tandon, Directors of the Company retire by rotation and being eligible offer themselves for re-appointment as directors.

3.1. Capital :

3.2. IRDA Registration :

4. Particulars regarding conservation of energy and technology absorption:

5. Foreign exchange earnings and expenditure:

6. Particulars of employees:

7. Directors:

Mr. V. Philip has been appointed as Managing Director & Chief Executive Officer of the Company in place of Mr. Kamesh Goyal w.e.f. 1st February 2011. Dr. Werner Zedelius ceased to be Director of the Company w.e.f. 31st December 2010, who was succeeded by Mr. Manual Bauer. The Board of Directors places on record its appreciation and gratitude towards the excellent support and guidance Dr. Werner Zedelius has rendered to the Company right since its inception.

In accordance with the requirements of sub-section 2AA of Section 217 of the Companies Act, 1956, the Board of Directors wish to confirm the following:

(I) that in preparation of the annual accounts, the applicable accounting standards have been followed along with proper explanation relating to material departures;

(ii) that such accounting policies have been selected and applied consistently, and made judgments and estimates that are reasonable and prudent so as to give a true and fair view of the state of affairs of the Company as on 31st March 2011 and of the profit of the Company for that period;

(iii) that proper and sufficient care has been taken for the maintenance of adequate accounting records in accordance with the provisions of the Act for safeguarding the assets of the Company and for preventing and detecting fraud and other irregularities;

(iv) that the annual accounts have been prepared on a going concern basis.

The Corporate Governance guidelines issued by the IRDA came into effect from 1st April 2010. A report on compliance with these guidelines is contained in Annexure B along with a certificate from the Compliance Officer.

The Company appointed M/s BSR & Co., Chartered Accountants and M/s Dalal & Shah, Chartered Accountants, as joint statutory auditors of the Company in the last Annual General meeting. They hold office up to the conclusion of the Tenth Annual General meeting of the Company. In accordance with the IRDA Regulations / Guidelines, it is now proposed to appoint M/s BSR & Co., Chartered Accountants and M/s Dalal & Shah, Chartered Accountants, as Joint Statutory Auditors of the Company to hold office from the conclusion of the ensuing Annual General Meeting till the conclusion of the next Annual General Meeting and to fix their remuneration.

8. Directors' responsibility statement:

9. Corporate Governance:

10. Auditors:

The shareholders are requested to appoint the auditors for the period from the conclusion of the ensuing annual general meeting till the conclusion of the next annual general meeting and to fix their remuneration.

The Board is grateful to the IRDA and other regulatory authorities for their continued support. The Board is also grateful to its Policyholders', Bankers', Intermediaries' and Channel Partners for their continued support.

11. Appreciation:

The Directors take this opportunity to thank the concerned employees of Bajaj Finserv Limited and Allianz SE for their invaluable contribution in guiding the working of the Company.

The Directors also take this opportunity to thank the employees at all levels for their hard work, dedication and commitment.

On behalf of Board of Directors ofBajaj Allianz Life Insurance Company Ltd

Rahul BajajChairman

Place : Pune Date : 6th May 2011

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Annual Report 2010-2011Bajaj Allianz Insurance Company Ltd. I Life Director’s Report for the Financial Year ended 31st March 2011

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Corporate Governance

Board of Directors

The Insurance Regulatory and Development Authority (IRDA) issued Corporate Governance Guidelines (the Guidelines) for the insurance companies on 5th August 2009, being implemented with effect from 1st April 2010. However your Company has been implementing several of the practices prescribed by these Guidelines right since its inception. For your Company, Corporate Governance is not a mere set of rules to be implemented as a matter of mandatory compliance with regulatory requirements. It's a way of doing business within the corporate culture inherited from both the joint venture partners for achievement of goals of customer satisfaction and enhancement of shareholder values with protection of all other stakeholders' interests.

The Board of Directors consists of 12 Directors which includes four Independent Directors. The CEO of the Company, as the Managing Director, is member of the Board of Directors. The Chairman of the Company and all other Directors are Non-executive and none of the Independent Directors are relatives of any other Director. The list of Directors and other major offices held by them is mentioned elsewhere in this Annual Report.

1. Mr. Rahul Bajaj, Chairman of the Company, an honours graduate in Economics and Law and MBA from Harvard Business School. He is considered as one of the most successful business leaders of India, heads the Bajaj Group of Companies. He is the Chairman of the group's flagship, Bajaj Auto Limited.

2. Mr. Manuel Bauer has been appointed as director in place of Dr. Werner Zedelius w.e.f. 20th January 2011. He has done Mechanical Engineering from Technical Engineering College in Vienna. He has been head of Central Eastern Europe, Middle East and North Africa (CEEMA) Unit of Allianz SE, Munich since 2010.

3. Mr. Sanjay Asher is a Commerce and Law Graduate from Mumbai University and a fellow member of the Institute of Chartered accountants of India. Mr. Sanjay Asher is a Partner of M/s. Crawford Bailey & Co. and was an invitee to the Department of Dis investment 's Committee for standardizing the transaction documents in relation to privatization of the public sector enterprises.

4. Mr. Niraj Bajaj has done his B. Com. from Sydenham College of Commerce & Economics, Mumbai and Masters in Business Administration from Harvard Business School, USA. He is

currently the Chairman & Managing Director of Mukand Ltd. He is also on the Board of Directors of Bajaj Auto Ltd. and various other Bajaj Group Companies. He was selected by World Economic Forum, as one of the “Global Leaders for Tomorrow”, in 1993.

5. Mr. Sanjiv Bajaj who is a mechanical engineer, has done M. Sc. from University of Warwick, UK and MBA from Harvard Business School, USA. He is currently the Managing Director of Bajaj Finserv Limited.

6. Mr. Heinz Dollberg, who has a degree in law and holds executive positions with numerous subsidiaries of Allianz, has been associated with Allianz Group for over three decades. He has been responsible for managing operations in Asia, Middle East and North Africa in collaboration with Allianz offices across the region.

7. Mr. Ranjit Gupta, who is currently working as President – Insurance, at Bajaj Finserv Limited, has Masters Degree in Mechanical & Electrical Engineering from the Indian Railway Institute of Mechanical & Electrical Engineers.

8. Mr. Kamesh Goyal, who is a science and law graduate and has also done MBA from Faculty of Management Studies, Delhi University, is an Alternate Director to Mr. Manuel Bauer. Earlier, he has been a CEO of Bajaj Allianz General Insurance Company Limited and Bajaj Allianz Life Insurance Company Limited. He is currently handling the position of Regional CEO for Asia Pacific region of Allianz.

9. Mr. S. H. Khan has Masters Degree in Commerce and is the former chairman and Managing Director of IDBI and has been associated with the promotion of several capital market institutions, including NSE, NSDL and CARE and guided their operations as Chairman in the initial years of their existence. He is also on the Board of Bajaj Finserv Limited, as an Independent Director and also the member of its Audit Committee.

10. Mr. Suraj Mehta who has honours in Economics, also serves as Non-Executive Independent Director of BPL Limited. Mr. Mehta has held key management positions in India and abroad with ANZ Grindlays Bank till the year 1994. He was the Chief Executive Officer of Dresdner Bank AG in India & was the Geographic Head for the group's four businesses which included Investment, Banking; Securities Broking and Software Development. He has also worked as the Chief Executive Officer of NABIL Bank Limited, the private sector bank in Nepal.

Annexure B to the Directors Report

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11. Mr. Manu Tandon is a commerce graduate and Chartered Accountant, England & Wales. He retired in 2008 as Managing Director Elantas Beck India Ltd. Pune, subsidiary of Altana AG, Germany. He was Director, Finance & Corporate Affairs, BASF India Ltd, Mumbai from 1983 till 1996. He was Former Chairman of Pune Zonal Council, Confederation of Indian Industry (CII) and also former Chairman of CII National Council for Chemicals Fertilizers & Petrochemicals.

12. Mr. V. Philip who took charge as Chief Executive Officer and Managing Director of Bajaj Allianz Life Insurance Company Limited w.e.f. 1st February 2011 is a B.E. (Electronics) and also an Associate member of Institute of Risk Management, London and Insurance Institute of India, Mumbai. He has also done Post Graduate Diploma in Marketing from Symbiosis. Starting his carrier with Indian Express in August 1991, he achieved a continues success and worked as Deputy Manager with Allianz AG then as CIO & Head of Direct Marketing with Bajaj Allianz General Insurance Company Limited. He also worked as Chief Operations Officer in Bajaj Allianz Life Insurance Company Limited.

13. Dr Werner Zedelius has graduation in banking and doctorate in law. He has been with Allianz since 1987 and has held various positions in Regional Office along with the finance division at Head Office Munich. He has also done an assignment to Cornhill Insurance PLC, London. He is currently member of the Board of Management of Allianz SE for Growth Markets. He has ceased to be a Director with effect from 31st December 2010.

During the year 2010-11, the Board of Directors met four times on 7th May 2010, 30th July 2010, 8th October 2010 and 20th January 2011. Following table sets out the details of attendance of Directors at the Board meetings.

Meetings of the Board of Directors

Name of Director Category of Directorship

Meetingsattended

Sitting Fees(Amt in Rs.)

Mr. Rahul Bajaj Chairman 3/4 -Mr. Sanjiv Bajaj Director 3/4 -Mr. Niraj Bajaj Director 2/4 -Mr. Ranjit Gupta Director 4/4 -Mr. Manu Tandon Independent Director 4/4 80,000/-Mr. S. H. Khan Independent Director 4/4 1,60,000/-Mr. Sanjay Asher Independent Director 3/4 1,20,000/-Mr. Suraj Mehta Independent Director 3/4 60,000/-Mr. Heinz Dollberg Director 4/4 -#Dr. Werner Zedelius Director 1/3 -##Mr. Manuel Bauer Director 0/1 -*Mr. Kamesh Goyal Managing Director /

Alternate Director to Mr. Bauer

4/4 -

**Mr. V. Philip Managing Director 0/0 -

# Director up to 31st December 2010## Director w.e.f. 20th January 2011 * Ceased to be a Managing Director w.e.f. 31st January 2010

and appointed as Alternate Director to Mr. Bauer w.e.f. 1st February 2011

** Appointed as Managing Director w.e.f 1st February 2011

Committees of the Board of Directors: Constitution & Composition

Audit Committee, Investment Committee, Risk Management Committee and Policyholders’ Protection Committee are mandatorily required under the IRDA Guidelines have been constituted in accordance with the requirements set out therein.

Audit Committee

The Audit Committee of the Board of Directors oversees the periodic financial reporting before submission to the Board and disclosure processes, functioning of the internal audit department and reviews its plans and reports. The Audit Committee is directly responsible for the recommendation of the appointment, remuneration, performance and oversight of the work of the Internal, Statutory and Concurrent Auditors. The senior officers from the management are invited to the meetings of the Audit Committee, along with the Head of Internal Audit, who presents his reports to the Committee at every meeting thereof.

Mr. S.H. Khan, an Independent Director, the chairman of the Audit committee. Other members of the Audit Committee include Mr. Sanjay Asher, who is an Independent Director

The other members of the Committee are-

a) Mr. Heinz Dollberg b) Mr. Sanjiv Bajajc) Mr. Ranjit Guptad) Dr. Werner Zedelius – ceased to be a member w.e.f 31st

December 2010e) Mr. Manuel Bauer – appointed w.e.f. 20th January 2011

All these members of the Audit Committee are Non-executive Directors.

The Audit committee met four times during the year on 7th May 2010, 30th July 2010, 14th October 2010 and 18th January 2011. Following table sets out the particulars of attendance at various meetings:

Name of Director Meeting AttendedMr. S. H. Khan 4/4Mr. Sanjay Asher 3/4Mr. Heinz Dollberg 2/4Mr. Sanjiv Bajaj 3/4Mr. Ranjit Gupta 4/4Mr. Werner Zedelius 0/3Mr. Manuel Bauer -

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Investment Committee

The Investment Committee establishes the Investment Policy and operational framework for the investment operations of the Company. It periodically reviews the Investment policy based on the investment performance and the evaluation of dynamic market conditions and places it before the Board of Directors for approval.

Mr. Heinz Dollberg is the Chairman of the Investment Committee, with Mr. Sanjiv Bajaj, Mr. Ranjit Gupta and Mr. V. Philip, MD & CEO are the other Directors of the Committee. Mr. Rajesh Viswanathan, Chief Financial Officer, Mr. Sashi Krishnan, Chief Investments Officer and Mr. Anil Singh, Appointed Actuary, are the members of the Investment Committee. The Chief Risk Officer is also invited to the Investment Committee meetings.

The Investment Committee met four times during the year on 7th May 2010, 30th July 2010, 6th October 2010 and 19th January 2011. Following table sets out the particulars of attendance of members of the Investment Committee at various meetings:

Name of Member Meetings AttendedMr. Heinz Dollberg 2/4Mr. Sanjiv Bajaj 2/4Mr. Ranjit Gupta 4/4*Mr. Kamesh Goyal 4/4Mr. Rajesh Viswanathan 4/4Mr. Sashi Krishnan 4/4Mr. Anil Singh 4/4**Mr. V. Philip -

* Ceased to be a member w.e.f. 31st January 2011** Appointed w.e.f. 1st February 2011

Risk Management Committee

The Risk Management Committee oversees the functioning of the overall risk management framework of the Company and implementation of the risk management strategy. It assists the Board in effective operation of the risk management system by performing analyses and quality reviews and reports details on the risk exposures and the actions taken to manage the exposures.

Risk Management Framework of the Company

The Company perceives risk management as a means of value optimization. We also recognize the importance of internal controls and risk management in sustaining the business continuity and have endeavored to make risk management and control an essential component of our business culture. This is achieved through better understanding of the balance between risk and return in the implementation and achievement of entity

objectives. The overall risks are divided into several categories, which are further subdivided into major sub-categories. While the risk categories remain clearly distinct from each other, at the time of assessment their interdependencies are taken in to account. Covering major categories of assessable risks, independent of the assessment methodology, and quantifiability, the risk management framework encompasses practices relating to identification, assessment, monitoring and mitigation of these risks.

a) Risk Management Policy : We are committed to manage risks in line with the Company's stated risk appetite though a systematic framework which identifies, evaluates, mitigates and monitors risks that potentially have a material impact on the value of the organization or potentially hinder the organization in achieving its stated business objectives and goals.

b) Risk Management Overview Structure : A proactive risk management structure is core to the Company's overall strategic management. The supervisory level Risk Committee, convened by the Chief Risk Officer (CRO), comprises of various Heads of Departments / functions, which have been identified as the owners of respective risks. They are responsible for the implementation of risk management activities including risk mitigation plan within their respective vertical / departments or projects. This supervisory level committee establishes centralized risk monitoring and management. Through this structured process, the risk management team undertakes to provide reasonable assurance to top management on the state of risks and controls. The risk owners are responsible to review the Top Risk Assessment (TRA) during the Risk Committee Meeting. The CRO is ultimately responsible for fostering the enterprise-wide risk management function including provision of the TRA to the Risk Committee and the Risk Management Committee.

c) Risk Management Procedures : To ensure an effective integrated risk management process, the Risk Management Cycle is used as the base for identification and solution tool. Typically a Risk Management Cycle entails Operations & Monitoring risks (Risk Identification, Assessment & Control, Treatment & Management Action Plan, followed by Monitoring & Reviewing) and Controls & Compliance (Standard Operating Procedures, Internal and External Audit and Quarterly Risk Review)

The Risk Management Committee met four times during the year on 7th May 2010, 30th July 2010, 8th October 2010 and 20th January 2011. Following table sets out the particulars of composition and attendance of members of the Risk Management Committee at various meetings:

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* - Ceased to be a member w.e.f. 31st January 2011** - Appointed w.e.f. 1st February 2011

Policyholders’ Protection Committee

The Policyholders’ Protection Committee of the Board of Directors has been formed in compliance with the requirements of the Guidelines, with responsibility to put in place proper procedures and effective mechanism to address complaints and grievances of policyholders including mis-selling by intermediaries and ensuring compliance with the statutory requirements. The Policyholders’ Protection Committee reviews the Grievance Redressal Mechanism and the status of complaints at periodic intervals.

Name of Director Meetings AttendedMr. Heinz Dollberg 4/4Mr. Sanjiv Bajaj 3/4Mr. Ranjit Gupta 4/4*Mr. Kamesh Goyal 4/4**Mr. V. Philip -

Name of Director Meetings AttendedMr. Sanjiv Bajaj 3/4Mr. Heinz Dollberg 4/4Mr. Ranjit Gupta 4/4*Mr. Kamesh Goyal 4/4**Mr. V. Philip -

* Ceased to be a member w.e.f. 31st January 2011** Appointed w.e.f. 1st February 2011

Mr. Sanjiv Bajaj is the Chairman of the Policyholders’ Protection Committee, with Mr. Heinz Dollberg, Mr. Ranjit Gupta and Mr. V Philip, MD & CEO, are the other members. Mr. Rajesh Viswanathan, Chief Financial Officer,is also invited to the Policyholders’ Protection Committee meetings.

The Policyholders’ Protection Committee met four times during the year on 7th May 2010, 30th July 2010, 8th October 2010 and 20th January 2011. Following table sets out the particulars of attendance of members of the Policyholders’ Protection Committee at various meetings:

“Certification for compliance of the Corporate Governance Guidelines” I, Sameer Bakshi hereby certify that the company has complied with the corporate governance guidelines for Insurance Companies as amended from time to time and nothing has been concealed or suppressed.

Sameer BakshiCompany Secretary and Head – Legal and Compliance

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Management Report

With respect to the operations of Bajaj Allianz Life Insurance Company Limited ('the Company') for the financial year 1 April 2010 to 31 March 2011 and results thereof, the Management of the Company confirms and declares that:

1. The registration certificate granted by Insurance Regulatory and Development Authority (IRDA) is valid and the same has been renewed for the year 2011 - 2012.

2. All dues payable to the statutory authorities have been duly paid except those disclosed under contingent liabilities in the notes to the accounts forming part of financial statements.

3. There has been no transfer of shares during the year and the shareholding pattern is in accordance with the statutory and regulatory requirement.

4. The Management has not directly or indirectly invested outside India, the funds of the holders of policies issued in India.

5. The required solvency margins have been maintained as required by the IRDA regulations.

6. We certify that the values of all the assets have been reviewed on the date of Balance Sheet and in the Management's belief, the assets set forth under each of the headings in the Balance Sheet are shown in the aggregate at amounts not exceeding their realizable or market value under their related headings - “Loans”, “Investments”, “Outstanding Premiums”, “Income accrued on investments”, “Amounts due from other entities carrying on insurance business (including amounts due from reinsurers)”, “Cash” and the several items specified under “Advances” and “Other Accounts”.

Market value of investment in debt securities (other than unit linked funds) which are valued at amortized cost as per IRDA regulations is lower by Rs.298,138 thousands. The lower market value is attributable to the sharp rise in yields during the year.

7. We certify that, no part of the life insurance fund has been directly or indirectly applied in contravention of the Insurance Act, 1938 (4 of 1938) relating to the application and investment of the life insurance fund.

8. The Company recognizes the risks associated with the life insurance business and manages the risks by adopting prudent policies to counter the key risks of the Company – namely underwriting and investment risks.

The Company has established robust underwriting procedures to mitigate underwriting risks. Additionally the

Company has entered into reinsurance arrangements wherein it reinsures risk in excess of its retention limits to mitigate its risk exposure.

The investment risk is managed by laying down appropriate guidelines in the Investment Policy. The Investment Policy is formulated by the Investment Committee and approved by the Board of Directors. The Investment Policy is reviewed for alignment with the Company's latest business plan and other developments during the year.

9. The Company does not have operations in any other country.

10. Average claim settlement time from the date of receipt of complete requirement from the claimant to dispatch of claim payment for the current year and previous five financial years are given below:

Period Average claim settlement time (in days)

2010-11 112009-10 72008-09 72007-08 72006-07 7

2005-06 7

Ageing of claims registered and not settled is given below :

For Linked BusinessRs. In lakhs

PeriodCurrent Year Previous Year

No. of Claims

Amount No. of Claims

Amount

Less than 30 Days 505 1,013 618 1,091 30 days to 6 months 484 836 779 1,523 6 months to 1 year 235 387 248 649 1 year to 5 years 571 1,216 260 528 5 years and above 5 7 2 10 Total for the Period 1,800 3,459 1,907 3,801

For Traditional BusinessRs. In lakhs

PeriodCurrent Year Previous Year

No. of Claims Amount No. of

Claims Amount

Less than 30 Days 603 596 629 362 30 days to 6 months 327 439 1,009 546 6 months to 1 year 91 111 490 332 1 year to 5 years 207 463 249 286 5 years and above 8 26 7 11 Total for the Period 1,236 1,635 2,384 1,537

Fixed Income Securities in the form of Government of India securities or Corporate Bonds with strong credit rating, a small portion is also invested in Equity Shares. Based on the past track record, the Management is confident of the quality and performance of the investments.

13. The Management of Bajaj Allianz Life Insurance Company Limited certifies that:

a) The financial statements of Bajaj Allianz Life Insurance Company Limited have been prepared in accordance with the applicable accounting standards and principles and policies with no material departures;

b) The Management has adopted accounting policies and applied them consistently and made judgments and estimates that are reasonable and prudent so as to give a true and fair view of the state of the affairs of the Company at the end of the financial year and of the operating profit as per Policyholders' Account (Technical Account) and of the profit as per Shareholders' Account (Non Technical Account) of the Company for the year;

c) The Management has taken proper and sufficient care for the maintenance of adequate accounting records in accordance with the applicable provisions of the Insurance Act, 1938 (4 of 1938) and Companies Act, 1956 (1 of 1956), for safeguarding the assets of the Company and for preventing and detecting fraud and other irregularities;

d) The financial statements have been prepared on a going concern basis;

e) The Company has an internal audit system commensurate with the size of the Company and nature of the business.

14. The following are the payments made to individuals, firms, companies and organizations in which the Directors of the Company are interested:

11


11. We certify that the values, as shown in the Balance Sheet, of the investments (other than unit linked investments), which consist of fixed income securities, equity shares and mutual fund units, have been valued as per accounting policies prescribed by IRDA. Market values have been ascertained for equities on the basis of lower of the closing prices as on the balance sheet date on The National Stock Exchange of India Ltd. (NSE) and The Bombay Stock Exchange Ltd., Mumbai (BSE). For fixed income securities, valuation is based on procedure issued by Fixed Income and Money Market and Derivative Dealers Association of India (FIMMDA). The investments in the Mutual Funds are valued at the Net Asset Values (NAV) of these Mutual Funds as on the Balance Sheet date.

We certify that the unit linked investments have been valued on the basis as stated below:

Equities have been valued at market values, which have been ascertained on the basis of the last quoted closing price on the NSE. In case the equity shares are not listed on the NSE, then they are valued on the last quoted closing price on BSE. Unlisted shares are stated at historical cost subject to provision for diminution, if any, in the value of such investment. Government securities are valued at prices obtained from Credit Rating Information Services of India Ltd. (CRISIL). Corporate bonds and debentures are valued on the basis of CRISIL Bond Valuer. Treasury bills, certificate of deposits and commercial papers are valued at cost plus accretion. Mutual fund units have been valued at the last available Net Asset Value declared by the respective mutual fund.

12. The Company has invested (other than unit linked funds) mainly in approved Government securities and AAA and AA+ rated bonds. The primary aim while investing is to generate adequate return while minimizing risk. The emphasis is also on the liquidity of investments to ensure that the Company meets all outgoings related to claims and other operations. While most of the investments are in

Bajaj Allianz Life Insurance Company Ltd. I Management Report for the Financial Year ended 31st March 2011

Name of the Director / Shareholder

Entity in which Director is interested

Interested as Amount of Payment during the Financial Year 2010-11 (Rs. In Lakh)

Mr. Rahul BajajMr. Sanjiv BajajMr. S. H. Khan

Bajaj Finserv Ltd. DirectorDirectorDirector

112.50

Mr. Rahul BajajMr. Sanjiv Bajaj

Bajaj Finance Ltd. (Earlier known as Bajaj Auto Finance Ltd.)

DirectorDirector

3,781.70

12


Name of the Director/Shareholder

Entity in which Director is interested

Interested as Amount of Payment during the FY 2010-11 (Rs.In Lakh)

Mr. Rahul BajajMr. Sanjiv Bajaj Mr. Niraj Bajaj Mr.Heinz DollbergMr.Kamesh Goyal Mr. Ranjit GuptaMr. Sanjay AsherMr. S. H. KhanMr. Manu TandonMr. Suraj MehtaMr. Manuel Bauer

Bajaj Allianz General Insurance Company Ltd.

DirectorDirectorDirectorDirectorAlternate DirectorDirectorDirectorDirectorDirectorDirectorDirector

1,072.71

Mr. Rahul Bajaj

Mr. Niraj Bajaj

Bajaj Electricals Ltd. S h a r e h o l d i n g exceeds 2%S h a r e h o l d i n g exceeds 2%

9.75

Mr.Heinz DollbergMr.Ranjit GuptaMr.Kamesh Goyal

Bajaj Allianz Financial Distributors Ltd.

DirectorDirectorDirector

4,170.64

Allianz SE Allianz Investment Management Singapore Pte. Ltd.

100% Subsidiary of Allianz SE

380.00

Mr. Rahul BajajMr. Sanjiv Bajaj Mr. Niraj BajajMr. S. H. Khan

Bajaj Auto Ltd. DirectorDirectorDirectorDirector

994.12

Mr. Kamesh GoyalAllianz SE

Allianz Insurance Management Asia Pacific Pte. Ltd.

Director100% Subsidiary of Allianz SE

1.76

Mr. Rahul Bajaj Hind Musafir Agency Limited Shareholding exceeds 2%

0.45

For Bajaj Allianz Life Insurance Company Limited

Rahul Bajaj Heinz DollbergChairman Director

Niraj Bajaj Sanjiv Bajaj Kamesh GoyalDirector Director Alternate Director

Ranjit Gupta S. H. Khan Suraj MehtaDirector Director Director

Manu Tandon V. Philip Rajesh ViswanathanDirector Managing Director & Chief Financial Officer

Chief Executive Officer

Anil Singh Sameer BakshiAppointed Actuary Company Secretary and

Head – Legal & Compliance

Place : PuneDate : 6th May 2011

13

Annual Report 2010-2011Bajaj Allianz Insurance Company Ltd. I Life Auditors' Report

Auditors' Report

To the Members of Bajaj Allianz Life Insurance Company Limited

1. We have audited the attached Balance Sheet of Bajaj Allianz Life Insurance Company Limited ('the Company') as at 31 March 2011, the related Policyholders' Revenue Account, the Shareholders' Profit and Loss Account and the Receipts and Payments Account for the year ended on that date annexed thereto, which we have signed under reference to this report. These financial statements are the responsibility of the Company's management. Our responsibility is to express an opinion on these financial statements based on our audit.

2. We conducted our audit in accordance with auditing standards generally accepted in India. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement. An audit includes examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements. An audit also includes assessing the accounting principles used and significant estimates made by management, as well as evaluating the overall financial statement presentation. We believe that our audit provides a reasonable basis for our opinion.

3. The Balance Sheet, the Policyholders' Revenue Account, the Shareholders' Profit and Loss Account and the Receipts and Payments Account have been drawn up in accordance with the Insurance Act, 1938 (Act 4 of 1938), Insurance Regulatory and Development Act, 1999, Insurance Regulatory and Development Authority (Preparation of Financial Statements and Auditor's Report of Insurance Companies) Regulations 2002 ('the Regulations') read with Section 211 of the Companies Act, 1956.

4. As required by the Regulations, we set out in the Annexure, a statement certifying the matters specified in paragraph 4 of Schedule C to the Regulations.

5. Further to our comments in the Annexure referred to above, we report that:

a) We have obtained all the information and explanations, which to the best of our knowledge and belief were necessary for the purposes of the audit and have found them to be satisfactory;

b) In our opinion and to the best of our information and according to the explanations given to us, proper books of account as required by law have been maintained by the Company, so far as appears from our examination of those books;

c) As the Company's financial accounting system is centralized at head office, no returns for the purposes of our audit are prepared at the branches and other offices of the Company;

d) The Balance Sheet, the Policyholders' Revenue Account, the Shareholders' Profit and Loss Account and the Receipts and Payments Account dealt with by this report are in agreement with the books of account;

e) The actuarial valuation of liabilities for life policies in force is the responsibility of the Company's Appointed Actuary ('the Appointed Actuary'). The actuarial valuation of these liabilities as at 31 March 2011 has been duly certified by the Appointed Actuary. The Appointed Actuary has also certified in his opinion, the assumptions for such valuation are in accordance with the guidelines and norms, if any, issued by the Insurance Regulatory Development Authority ('IRDA') ('Authority') and the Actuarial Society of India in concurrence with the Authority. We have relied upon Appointed Actuary's certificate in this regard for forming our opinion on the financial statements of the Company;

f) On the basis of written representations received from the Directors of the Company, as on 31 March 2011 and taken on record by the Board of Directors, none of the Directors is disqualified as on 31 March 2011 from being appointed as a Director in terms of clause (g) of sub-section (1) of Section 274 of the Companies Act, 1956.

6. In our opinion and to the best of our information and according to the explanations given to us, we further report that:

a) The Investments have been valued in accordance with the provisions of the Insurance Act, 1938, the Regulations and / or orders / directions issued by IRDA in this regard;

b) The accounting policies selected by the Company are appropriate and are in compliance with the applicable Accounting Standards referred to in sub-section (3C) of section 211 of the Companies Act, 1956 and the Rules framed there under and with the accounting principles as prescribed in the Insurance Regulatory and Development Authority (Preparation of Financial Statements and Auditor's Report of Insurance Companies) Regulations, 2002, ('the Regulations') and orders / directions issued by IRDA in this behalf;

c) The Balance sheet, the Policyholders' Revenue Account, the Shareholders' Profit and Loss Account and the Receipts and Payments Account dealt with by this report comply with the Accounting Standards referred

14


to in sub-section (3C) of section 211 of the Companies Act, 1956 and the Rules framed there under to the extent they are not inconsistent with the accounting principles prescribed in the Regulations and orders / directions issued by IRDA in this regard;

7. In our opinion and to the best of our information and according to the explanations given to us, the said financial statements together with the notes thereon and attached thereto are prepared in accordance with the requirements of the Regulations, the Insurance Act, 1938, the Insurance Regulatory and Development Authority Act, 1999 and the Companies Act, 1956, to the extent applicable and in the manner so required and give a true and fair view in conformity with the accounting principles generally accepted in India as applicable to insurance companies:

i. in the case of the Balance Sheet, of the state of affairs of the Company as at 31 March 2011;

ii. in the case of Policyholders' Revenue Account, of the net surplus for the year ended on that date;

iii. in the case of Shareholders' Profit and Loss account, of the profit for the year ended on that date; and

iv. in the case of the Receipts and Payments Account, of the receipts and payments for the year ended on that date.

8. Further, on the basis of our examination of books of account and other records of the Company and according to the information and explanations given to us, we certify to the best of our knowledge and belief that:

a) We have reviewed the Management Report attached to the financial statements for the year ended 31 March 2011, and have found no apparent mistake or material inconsistencies with the financial statements; and

b) Based on information and explanations received during normal course of the audit, management's representations made to us and the compliance certificates submitted to the Board by the officers of the Company charged with compliance and the same being noted by the Board, nothing has come to our attention which causes us to believe that the Company has not complied with the terms and conditions of registration as per subsection 4 of section 3 of the Insurance Act, 1938.

For Dalal & Shah For B S R & Co.Chartered Accountants Chartered AccountantsFirm's Registration No. 102021W Firm's Registration No. 101248W

Anish Amin Juzer MiyajiwalaPartner PartnerMembership No. 40451 Membership No. 47483

Place : Pune Place : PuneDate : 06th May 2011 Date : 06th May 2011

15

Annual Report 2010-2011Bajaj Allianz Insurance Company Ltd. I Life Auditors' Report for the Financial Year ended 31st March 2011

Annexure to the Auditors' Report

Auditors' Certificate

(Referred to in the Auditors' Report to the members of Bajaj Allianz Life Insurance Company Limited ('the Company') on the accounts for the year ended 31 March 2011)

To the Members of Bajaj Allianz Life Insurance Company Limited

In accordance with the information and explanations given to us and to the best of our knowledge and belief and based on our examination of the books of account and other records maintained by Bajaj Allianz Life Insurance Company Limited ('the Company') for the year ended 31 March 2011, we certify that:

1. We have verified the cash balances, to the extent considered necessary, and securities relating to the Company's loans and investments as at 31 March 2011 by actual inspection or on the basis of certificates / confirmations received from the Custodian appointed by the Company, as the case may be. As at 31 March 2011, none of the Company's assets involve reversion or life interests;

2. The Company is not a trustee of any trust; and

3. No part of the assets of the Policyholders' Funds has been directly or indirectly applied in contravention to the provisions of the Insurance Act, 1938, relating to the application and investments of the Policyholders' Funds.

This certificate is issued to comply with Schedule C of the Insurance Regulatory and Development Authority (Preparation of Financial Statements and Auditor's Report of Insurance Companies) Regulations 2002, ('the Accounting Regulations') read with Regulation 3 of the Accounting Regulations and may not be suitable for any other purpose.

For Dalal & Shah For B S R & Co.Chartered Accountants Chartered AccountantsFirm's Registration No. 102021W Firm's Registration No. 101248W

Anish Amin Juzer MiyajiwalaPartner PartnerMembership No. 40451 Membership No. 47483


16


17

Annual Report 2010-2011Bajaj Allianz Life Insurance Company Ltd. I Revenue Account for the year ended 31st March 2011

(Amount in Rs. '000)

Particulars Schedule Current Year Participating Non Participating Linked

Individual Individual Individual Individual Individual Group Individual Individual Group Assurance Pension Assurance Health Annuity Assurance Assurance Pension

Revenue Account for the year ended 31st March 2011Policyholders' Account (Technical Account)

PREMIUMS EARNED - Net

INCOME FROM INVESTMENTS

OTHER INCOME

COMMISSIONOPERATING EXPENSES RELATED TO INSURANCE BUSINESS

BENEFIT PAID (Net)

SURPLUS / (DEFICIT ) (D) = (A) - (B) - (C)

APPROPRIATIONS

DETAILS OF TOTAL SURPLUS

(a) Premium 1 96,099,487 11,040,604 60,236 4,793,074 289,547 116,773 5,932,720 63,786,160 5,277,101 4,803,272 (b) Reinsurance ceded (Refer Schedule 16 Note 16) (347,698) (42,498) (698) (14,846) (82,153) - (54,542) (151,083) (603) (1,275)(c) Reinsurance accepted - - - - - - - - - -

SUB-TOTAL 95,751,789 10,998,106 59,538 4,778,228 207,394 116,773 5,878,178 63,635,077 5,276,498 4,801,997

(a) Interest, Dividend & Rent - Gross 9,378,252 1,520,909 35,578 137,863 15,961 19,828 451,829 6,445,793 414,255 336,236 (b) Profit on sale / redemption of investments 32,226,636 30,799 1,270 4,698 2,347 613 10,385 30,349,883 1,632,344 194,297 (c) (Loss on sale / redemption of investments) (3,826,512) (20,086) (259) (1,483) (2) (394) (6,765) (3,410,303) (260,354) (126,866)(d) Transfer / Gain on revaluation / change in fair value (1,405,265) - - - - - - (1,712,363) 191,737 115,361 (e) Other investment income 2,750,548 - - - - - - 2,528,991 152,722 68,835

39,123,659 1,531,622 36,589 141,078 18,306 20,047 455,449 34,202,001 2,130,704 587,863 86,869 66,489 866 1,390 261 28 969 11,083 4,617 1,166

Contribution from the Shareholders' account 316,720 - - - - 11,874 - - 304,846 - (Refer Schedule 16 Note 15)

SUB-TOTAL 39,527,248 1,598,111 37,455 142,468 18,567 31,949 456,418 34,213,084 2,440,167 589,029

TOTAL (A) 135,279,037 12,596,217 96,993 4,920,696 225,961 148,722 6,334,596 97,848,161 7,716,665 5,391,026

2 6,164,741 1,982,309 1,252 1,100,408 45,770 650 189,383 2,548,714 167,465 128,790 3 16,065,847 3,153,289 7,649 1,664,590 27,378 2,447 247,481 9,294,008 1,042,442 626,563

Provision for doubtful debts - - - - - - - - - - Bad Debts written off - - - - - - - - - - Provision for Income Tax 1,923,860 43,354 - 61,753 8,681 - 46,850 1,741,671 - 21,551 Provisions (other than taxation)(a) For diminution in the value of investments (net) - - - - - - - - - - (b) Others - - - - - - - - - -

TOTAL (B) 24,154,448 5,178,952 8,901 2,826,751 81,829 3,097 483,714 13,584,393 1,209,907 776,904 4 49,846,683 835,374 19,420 153,338 86,728 17,461 2,127,776 43,673,877 2,205,110 727,599

Interim Bonuses Paid 19,558 14,663 1,938 2,957 - - - - - - Change in valuation of liability in respect of life policies in force (Refer Schedule 16 Note 1(e) and Note 8)(a) Gross 8,153,271 6,306,295 61,155 1,560,022 3,463 128,164 3,410,206 (3,143,749) (177,933) 5,648 (b) Fund Reserve (Refer Schedule 16 Note 1(e) ) 44,695,551 - - - - - - 36,468,331 4,479,581 3,747,639 (c) Amount ceded in Re-insurance - - - - - - - - - - (d) Amount accepted in Re-insurance - - - - - - - - - -

TOTAL (C) 102,715,063 7,156,332 82,513 1,716,317 90,191 145,625 5,537,982 76,998,459 6,506,758 4,480,886 8,409,526 260,933 5,579 377,628 53,941 - 312,900 7,265,309 - 133,236

Balance of previous year 1,023,664 994,530 29,134 - - - - - - -

Transfer (to) / from reserve for lapsed unit linked policies unlikely to be revived 1,105,581 - - - - - - 1,105,581 - - (Refer Schedule 16 Note 1(e) and Note 8)Transfer to Shareholders' account (9,355,074) (105,170) (1,309) (377,628) (53,941) - (312,900) (8,370,890) - (133,236)Balance being funds for future appropriations 1,183,697 1,150,293 33,404 - - - - - - -

Interim Bonuses Paid (a) 19,558 14,663 1,938 2,957 - - - - - - Allocation of Bonus to policyholders (b) 958,308 946,530 11,778 - - - - - - - Surplus shown in the Revenue Account (c) 8,409,526 260,933 5,579 377,628 53,941 - 312,900 7,265,309 - 133,236

Total Surplus [ (a)+ (b)+ (c) ] 9,387,392 1,222,126 19,295 380,585 53,941 - 312,900 7,265,309 - 133,236

16


17

Annual Report 2010-2011Bajaj Allianz Life Insurance Company Ltd. I Revenue Account for the year ended 31st March 2011


Particulars Schedule Current Year Participating Non Participating Linked





OTHER INCOME


BENEFIT PAID (Net)


APPROPRIATIONS


(a) Premium 1 96,099,487 11,040,604 60,236 4,793,074 289,547 116,773 5,932,720 63,786,160 5,277,101 4,803,272 (b) Reinsurance ceded (Refer Schedule 16 Note 16) (347,698) (42,498) (698) (14,846) (82,153) - (54,542) (151,083) (603) (1,275)(c) Reinsurance accepted - - - - - - - - - -

SUB-TOTAL 95,751,789 10,998,106 59,538 4,778,228 207,394 116,773 5,878,178 63,635,077 5,276,498 4,801,997

(a) Interest, Dividend & Rent - Gross 9,378,252 1,520,909 35,578 137,863 15,961 19,828 451,829 6,445,793 414,255 336,236 (b) Profit on sale / redemption of investments 32,226,636 30,799 1,270 4,698 2,347 613 10,385 30,349,883 1,632,344 194,297 (c) (Loss on sale / redemption of investments) (3,826,512) (20,086) (259) (1,483) (2) (394) (6,765) (3,410,303) (260,354) (126,866)(d) Transfer / Gain on revaluation / change in fair value (1,405,265) - - - - - - (1,712,363) 191,737 115,361 (e) Other investment income 2,750,548 - - - - - - 2,528,991 152,722 68,835

39,123,659 1,531,622 36,589 141,078 18,306 20,047 455,449 34,202,001 2,130,704 587,863 86,869 66,489 866 1,390 261 28 969 11,083 4,617 1,166

Contribution from the Shareholders' account 316,720 - - - - 11,874 - - 304,846 - (Refer Schedule 16 Note 15)

SUB-TOTAL 39,527,248 1,598,111 37,455 142,468 18,567 31,949 456,418 34,213,084 2,440,167 589,029

TOTAL (A) 135,279,037 12,596,217 96,993 4,920,696 225,961 148,722 6,334,596 97,848,161 7,716,665 5,391,026

2 6,164,741 1,982,309 1,252 1,100,408 45,770 650 189,383 2,548,714 167,465 128,790 3 16,065,847 3,153,289 7,649 1,664,590 27,378 2,447 247,481 9,294,008 1,042,442 626,563

Provision for doubtful debts - - - - - - - - - - Bad Debts written off - - - - - - - - - - Provision for Income Tax 1,923,860 43,354 - 61,753 8,681 - 46,850 1,741,671 - 21,551 Provisions (other than taxation)(a) For diminution in the value of investments (net) - - - - - - - - - - (b) Others - - - - - - - - - -

TOTAL (B) 24,154,448 5,178,952 8,901 2,826,751 81,829 3,097 483,714 13,584,393 1,209,907 776,904 4 49,846,683 835,374 19,420 153,338 86,728 17,461 2,127,776 43,673,877 2,205,110 727,599

Interim Bonuses Paid 19,558 14,663 1,938 2,957 - - - - - - Change in valuation of liability in respect of life policies in force (Refer Schedule 16 Note 1(e) and Note 8)(a) Gross 8,153,271 6,306,295 61,155 1,560,022 3,463 128,164 3,410,206 (3,143,749) (177,933) 5,648 (b) Fund Reserve (Refer Schedule 16 Note 1(e) ) 44,695,551 - - - - - - 36,468,331 4,479,581 3,747,639 (c) Amount ceded in Re-insurance - - - - - - - - - - (d) Amount accepted in Re-insurance - - - - - - - - - -

TOTAL (C) 102,715,063 7,156,332 82,513 1,716,317 90,191 145,625 5,537,982 76,998,459 6,506,758 4,480,886 8,409,526 260,933 5,579 377,628 53,941 - 312,900 7,265,309 - 133,236

Balance of previous year 1,023,664 994,530 29,134 - - - - - - -

Transfer (to) / from reserve for lapsed unit linked policies unlikely to be revived 1,105,581 - - - - - - 1,105,581 - - (Refer Schedule 16 Note 1(e) and Note 8)Transfer to Shareholders' account (9,355,074) (105,170) (1,309) (377,628) (53,941) - (312,900) (8,370,890) - (133,236)Balance being funds for future appropriations 1,183,697 1,150,293 33,404 - - - - - - -

Interim Bonuses Paid (a) 19,558 14,663 1,938 2,957 - - - - - - Allocation of Bonus to policyholders (b) 958,308 946,530 11,778 - - - - - - - Surplus shown in the Revenue Account (c) 8,409,526 260,933 5,579 377,628 53,941 - 312,900 7,265,309 - 133,236

Total Surplus [ (a)+ (b)+ (c) ] 9,387,392 1,222,126 19,295 380,585 53,941 - 312,900 7,265,309 - 133,236

18 19

Annual Report 2010-2011Bajaj Allianz Life Insurance Company Ltd. I IRDA Registration No.116 dated 3rd August, 2001 Bajaj Allianz Life Insurance Company Ltd. I Revenue Account for the year ended 31st March 2011


Particulars Schedule Previous Year Participating Non Participating Linked





OTHER INCOME


BENEFIT PAID (Net)


APPROPRIATIONS


(a) Premium 1 114,197,137 4,975,083 58,860 1,784,700 306,614 85,237 4,133,973 93,880,536 6,705,348 2,266,786 (b) Reinsurance ceded (Refer Schedule 16 Note 16) (283,480) (35,890) (671) (7,736) (83,846) - (27,261) (127,809) (267) - (c) Reinsurance accepted - - - - - - - - - -

SUB-TOTAL 113,913,657 4,939,193 58,189 1,776,964 222,768 85,237 4,106,712 93,752,727 6,705,081 2,266,786

(a) Interest, Dividend & Rent - Gross 6,453,796 1,149,554 31,298 36,589 21,078 10,067 187,571 4,563,525 240,742 213,372 (b) Profit on sale / redemption of investments 31,839,212 10,457 20 187 135 99 16,465 29,820,469 1,771,045 220,335 (c) (Loss on sale / redemption of investments) (4,970,086) (476) - (20) - - (6) (4,638,975) (284,957) (45,652)(d) Transfer / Gain on revaluation / change in fair value 64,347,447 - - - - - - 61,482,287 2,848,566 16,594 (e) Other investment income 1,631,794 - - - - - - 1,483,047 91,975 56,772

99,302,163 1,159,535 31,318 36,756 21,213 10,166 204,030 92,710,353 4,667,371 461,421 281,565 49,018 364 1,638 382 10 287 191,954 37,860 52

Contribution from the Shareholders' account 694,463 - - 185,031 - - - - 509,432 - (Refer Schedule 16 Note 15)

SUB-TOTAL 100,278,191 1,208,553 31,682 223,425 21,595 10,176 204,317 92,902,307 5,214,663 461,473

TOTAL (A) 214,191,848 6,147,746 89,871 2,000,389 244,363 95,413 4,311,029 186,655,034 11,919,744 2,728,259 2 9,625,696 602,688 928 567,350 50,210 327 369,845 7,677,895 327,624 28,829 3 17,716,252 701,396 4,946 553,129 37,715 1,340 182,187 14,920,561 1,271,315 43,663

Provision for doubtful debts - - - - - - - - - - Bad Debts written off - - - - - - - - - -Provision for Income Tax 653,127 21,572 - - 6,843 - - 620,796 - 3,916 Provisions (other than taxation)(a) For diminution in the value of investments (net) - - - - - - - - - - (b) Others - - - - - - - - - -

TOTAL (B) 27,995,075 1,325,656 5,874 1,120,479 94,768 1,667 552,032 23,219,252 1,598,939 76,408 4 26,301,986 761,147 29,806 85,226 54,633 7,622 806,308 23,013,128 1,253,189 290,927

Interim Bonuses Paid 10,358 10,358 - - - - - - - - Change in valuation of liability in respect of life policies in force (Refer Schedule 16 Note 1(e) and Note 8)(a) Gross 12,295,197 3,921,064 25,776 838,648 54,300 82,561 2,949,402 4,168,961 254,811 (326)(b) Fund Reserve (Refer Schedule 16 Note 1(e) ) 143,493,156 - - - - - - 132,350,663 8,812,805 2,329,688 (c) Amount ceded in Re-insurance - - - - - - - - - - (d) Amount accepted in Re-insurance - - - - - - - - - -

TOTAL (C) 182,100,697 4,692,569 55,582 923,874 108,933 90,183 3,755,710 159,532,752 10,320,805 2,620,289 4,096,076 129,521 28,415 (43,964) 40,662 3,563 3,287 3,903,030 - 31,562

Balance of previous year 1,071,987 918,099 1,860 43,964 94,719 2,708 9,996 - - 641

Transfer (to) / from reserve for lapsed unit linked policies unlikely to be revived 1,100,363 - - - - - - 1,100,363 - - (Refer Schedule 16 Note 1(e) and Note 8)Transfer to Shareholders' account (5,244,762) (53,090) (1,141) - (135,381) (6,271) (13,283) (5,003,393) - (32,203)Balance being funds for future appropriations 1,023,664 994,530 29,134 - - - - - - -

Interim Bonuses Paid (a) 10,358 10,358 - - - - - - - - Allocation of Bonus to policyholders (b) 488,078 477,813 10,265 - - - - - - - Surplus shown in the Revenue Account (c) 4,096,076 129,521 28,415 (43,964) 40,662 3,563 3,287 3,903,030 - 31,562

Total Surplus [ (a)+ (b)+ (c) ] 4,594,512 617,692 38,680 (43,964) 40,662 3,563 3,287 3,903,030 - 31,562

18 19



Particulars Schedule Previous Year Participating Non Participating Linked





OTHER INCOME


BENEFIT PAID (Net)


APPROPRIATIONS


(a) Premium 1 114,197,137 4,975,083 58,860 1,784,700 306,614 85,237 4,133,973 93,880,536 6,705,348 2,266,786 (b) Reinsurance ceded (Refer Schedule 16 Note 16) (283,480) (35,890) (671) (7,736) (83,846) - (27,261) (127,809) (267) - (c) Reinsurance accepted - - - - - - - - - -

SUB-TOTAL 113,913,657 4,939,193 58,189 1,776,964 222,768 85,237 4,106,712 93,752,727 6,705,081 2,266,786

(a) Interest, Dividend & Rent - Gross 6,453,796 1,149,554 31,298 36,589 21,078 10,067 187,571 4,563,525 240,742 213,372 (b) Profit on sale / redemption of investments 31,839,212 10,457 20 187 135 99 16,465 29,820,469 1,771,045 220,335 (c) (Loss on sale / redemption of investments) (4,970,086) (476) - (20) - - (6) (4,638,975) (284,957) (45,652)(d) Transfer / Gain on revaluation / change in fair value 64,347,447 - - - - - - 61,482,287 2,848,566 16,594 (e) Other investment income 1,631,794 - - - - - - 1,483,047 91,975 56,772

99,302,163 1,159,535 31,318 36,756 21,213 10,166 204,030 92,710,353 4,667,371 461,421 281,565 49,018 364 1,638 382 10 287 191,954 37,860 52

Contribution from the Shareholders' account 694,463 - - 185,031 - - - - 509,432 - (Refer Schedule 16 Note 15)

SUB-TOTAL 100,278,191 1,208,553 31,682 223,425 21,595 10,176 204,317 92,902,307 5,214,663 461,473

TOTAL (A) 214,191,848 6,147,746 89,871 2,000,389 244,363 95,413 4,311,029 186,655,034 11,919,744 2,728,259 2 9,625,696 602,688 928 567,350 50,210 327 369,845 7,677,895 327,624 28,829 3 17,716,252 701,396 4,946 553,129 37,715 1,340 182,187 14,920,561 1,271,315 43,663

Provision for doubtful debts - - - - - - - - - - Bad Debts written off - - - - - - - - - -Provision for Income Tax 653,127 21,572 - - 6,843 - - 620,796 - 3,916 Provisions (other than taxation)(a) For diminution in the value of investments (net) - - - - - - - - - - (b) Others - - - - - - - - - -

TOTAL (B) 27,995,075 1,325,656 5,874 1,120,479 94,768 1,667 552,032 23,219,252 1,598,939 76,408 4 26,301,986 761,147 29,806 85,226 54,633 7,622 806,308 23,013,128 1,253,189 290,927

Interim Bonuses Paid 10,358 10,358 - - - - - - - - Change in valuation of liability in respect of life policies in force (Refer Schedule 16 Note 1(e) and Note 8)(a) Gross 12,295,197 3,921,064 25,776 838,648 54,300 82,561 2,949,402 4,168,961 254,811 (326)(b) Fund Reserve (Refer Schedule 16 Note 1(e) ) 143,493,156 - - - - - - 132,350,663 8,812,805 2,329,688 (c) Amount ceded in Re-insurance - - - - - - - - - - (d) Amount accepted in Re-insurance - - - - - - - - - -

TOTAL (C) 182,100,697 4,692,569 55,582 923,874 108,933 90,183 3,755,710 159,532,752 10,320,805 2,620,289 4,096,076 129,521 28,415 (43,964) 40,662 3,563 3,287 3,903,030 - 31,562

Balance of previous year 1,071,987 918,099 1,860 43,964 94,719 2,708 9,996 - - 641

Transfer (to) / from reserve for lapsed unit linked policies unlikely to be revived 1,100,363 - - - - - - 1,100,363 - - (Refer Schedule 16 Note 1(e) and Note 8)Transfer to Shareholders' account (5,244,762) (53,090) (1,141) - (135,381) (6,271) (13,283) (5,003,393) - (32,203)Balance being funds for future appropriations 1,023,664 994,530 29,134 - - - - - - -

Interim Bonuses Paid (a) 10,358 10,358 - - - - - - - - Allocation of Bonus to policyholders (b) 488,078 477,813 10,265 - - - - - - - Surplus shown in the Revenue Account (c) 4,096,076 129,521 28,415 (43,964) 40,662 3,563 3,287 3,903,030 - 31,562

Total Surplus [ (a)+ (b)+ (c) ] 4,594,512 617,692 38,680 (43,964) 40,662 3,563 3,287 3,903,030 - 31,562

20


Notes to Financial Statements 16

For Dalal & Shah For B S R & Co. For Bajaj Allianz Life Insurance Company Limited

As required by Section 40-B of the Insurance Act, 1938, we certify that all expenses of Management in respect of Life Insurance business transacted in India by the Company have been fully debited to the Policyholders’ Revenue Account as expenses.

The accompanying notes and schedules form an integral part of the financial statements.

As per our report of even date attached

Chartered Accountants Chartered AccountantsFirm Registration Firm RegistrationNo. 102021W No. 101248W

Anish Amin Juzer Miyajiwala Rahul Bajaj Heinz DollbergPartner Partner Chairman DirectorMember Ship No 40451 Member Ship No 47483



Manu Tandon V Philip Rajesh ViswanathanDirector Managing Director and Chief Financial Officer


Anil Singh Sameer BakshiAppointed Actuary Company Secretary

and Head- Legal & Compliance


Annual Report 2010-2011Bajaj Allianz Life Insurance Company Ltd. I Profit & Loss Account for the year ended 31st March 2011

Notes to Financial statements 16


The accompanying notes and schedules form an integral part of the financial statements. As per our report of even date attached

Chartered Accountants Chartered AccountantsFirm Registration Firm RegistrationNo. 102021W No. 101248WAnish Amin Juzer Miyajiwala Rahul Bajaj Heinz Dollberg Niraj BajajPartner Partner Chairman Director DirectorMember Ship No 40451 Member Ship No 47483

Sanjiv Bajaj Kamesh Goyal Ranjit GuptaDirector Alternate Director DirectorS. H. Khan Suraj Mehta Manu TandonDirector Director Director V Philip Rajesh Viswanathan Anil SinghManaging Director and Chief Financial Officer Appointed ActuaryChief Executive OfficerSameer BakshiCompany Secretaryand Head- Legal & Compliance



Particulars Current Current Previous PreviousYear Year Year Year

Form A- PL Profit & Loss Account for the year ended 31st March 2011Shareholders' Account (Non Technical Account)

Amounts transferred from the 9,355,074 5,244,762Policyholders' Account (Technical Account)

(a) Interest, Dividends & Rent - Gross 1,759,051 983,412(b) Profit on sale / redemption of investments 96,140 106,342(c) (Loss on sale / redemption of investments) (31,364) (5,378)(d) Transfer / Gain on revaluation / change in fair value - -

TOTAL(A) 11,178,901 6,329,138Expenses other than those directly related to the insurance business (Refer Schedule 16 Note 11) 45,534 64,732OthersProvisions (Other than Taxation) - -Contribution to the Policyholders' account(Refer Schedule 16 Note 15)

ParticipatingIndividual Assurance - -Individual Pension - -

Non ParticipatingIndividual Assurance - 185,031Individual Health - -Individual Annuity 11,874 -Group Assurance - -

LinkedIndividual Assurance - -Individual Pension 304,846 509,432

Group - 316,720 - 694,463TOTAL(B) 362,254 759,195

10,816,647 5,569,943Provision for Taxation including Wealth Tax 246,257 147,075

10,570,390 5,422,868Balance at the beginning of the year (182,978) (5,605,846)

10,387,412 (182,978)Earning Per Share (Basic and Diluted) (Refer Schedule 16 Note 18) 70.14 35.98


OTHER INCOME

PROFIT / (LOSS) before Tax

PROFIT / (LOSS) after Tax

PROFIT/(LOSS) CARRIED FORWARD TO BALANCE SHEET

- -

21

22


(Amount in Rs. '000)Particulars Schedule Current Current Previous Previous

Year Year Year Year

Form A- BS Balance Sheet as at 31st March 2011

SOURCES OF FUNDSSHAREHOLDERS' FUNDS

BORROWINGS POLICYHOLDERS' FUNDS

FUNDS FOR FUTURE APPROPRIATIONS

Share Capital 5 1,507,090 1,507,090 Reserves and Surplus 6 20,986,962 10,599,550 Credit/(Debit) Fair Value Change Account 5 -

SUB TOTAL 22,494,057 12,106,640 7 - -

Credit/(Debit) Fair Value Change Account 37,544 28,433 Policy Liabilities (Refer Schedule 16 Note 8)

ParticipatingIndividual Assurance 21,546,414 15,240,119 Individual Pension 437,321 376,166

Non ParticipatingIndividual Assurance 2,590,574 1,030,552 Individual Health 163,927 160,464 Individual Annuity 312,114 183,950 Group Assurance 7,581,846 4,171,640

LinkedIndividual Assurance 5,526,929 8,670,678 Individual Pension 270,886 448,819 Group 16,664 38,446,675 11,016 30,293,404

Insurance Reserves - - Provision For Linked Liabilities

Linked Liabilities 285,074,847 238,974,031 Fair value change 43,766,858 328,841,705 45,172,123 284,146,154

SUB TOTAL 367,325,924 314,467,991

ParticipatingIndividual Assurance 1,150,293 994,530 Individual Pension 33,404 29,134

1,183,697 1,023,664 Reserve for Lapsed unit linked policies unlikely to be revived 1,745,324 2,929,021 2,850,905 3,874,569

392,749,002 330,449,200

Annual Report 2010-2011Bajaj Allianz Life Insurance Company Ltd. I Balance Sheet as at 31st March 2011

(Amount in Rs. '000)Particulars Schedule Current Current Previous Previous

Year Year Year Year

APPLICATION OF FUNDS INVESTMENTS

ASSETS HELD TO COVER LINKED LIABILITIES

CURRENT ASSETS

LESS: CURRENT LIABILITES AND PROVISIONS

NET CURRENT ASSETS (C) = (A-B) MISCELLANEOUS EXPENDITURE

DEBIT BALANCE IN PROFIT & LOSS ACCOUNT

Shareholders' 8 23,520,820 15,453,830 Policyholders' 8A

Participating Individual Assurance 22,395,698 16,305,353 Individual Pension 463,956 406,605

Non Participating Individual Assurance 2,547,408 1,036,320 Individual Health 163,427 254,354 Individual Annuity 307,254 184,115 Group Assurance 7,689,335 4,428,070

Linked Individual Assurance 7,087,339 11,522,213 Individual Pension 264,331 453,016 Group 18,491 40,937,239 32,281 34,622,327

8B 328,841,705 284,146,154 (Refer Schedule 16 Note 24)LOANS 9 147,078 130,275 FIXED ASSETS Gross Block 3,727,565 3,244,726 Less : Accumulated Depriciation 2,167,872 1,732,178 Net Block 10 1,559,693 1,512,548 Capital work in progress 94,016 281,487

1,653,709 1,794,035

Cash and bank balances 11 4,385,098 2,186,908 Advances and other Assets 12 3,832,457 3,111,630

Sub-Total(A) 8,217,555 5,298,538

Current liabilities 13 9,500,915 10,518,711 Provisions 14 1,068,189 660,226

Sub-Total(B) 10,569,104 11,178,937 (2,351,549) (5,880,399)

15 - - (To the extent not written off or adjusted )

- 182,978 (Shareholders' account )

Total 392,749,002 330,449,200

Form A- BS Balance Sheet as at 31st March 2011

23

Notes to Financial statements 16


The accompanying notes and schedules form an integral part of the financial statements. As per our report of even date attached

Chartered Accountants Chartered AccountantsFirm Registration Firm RegistrationNo. 102021W No. 101248WAnish Amin Juzer Miyajiwala Rahul Bajaj Heinz Dollberg Niraj BajajPartner Partner Chairman Director DirectorMember Ship No 40451 Member Ship No 47483

Sanjiv Bajaj Kamesh Goyal Ranjit GuptaDirector Alternate Director DirectorS. H. Khan Suraj Mehta Manu TandonDirector Director Director V Philip Rajesh Viswanathan Anil SinghManaging Director and Chief Financial Officer Appointed ActuaryChief Executive OfficerSameer BakshiCompany Secretaryand Head- Legal & Compliance


24


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nsur

ance

Ce

ded

(2

6,41

0) (1

,948

) (3

4) (2

,076

) (1

,938

) -

(3,6

84)

(16,

680)

(50)

- (R

efer

Sch

edul

e 16

Not

e 16

)

Net C

omm

issio

n 9

,625

,696

6

02,6

88

928

5

67,3

50

50,

210

327

3

69,8

45

7,6

77,8

95

327

,624

2

8,82

9

Sche

dule

- 2

: Com

mis

sion

26


Sche

dule

- 3

: Ope

ratin

g Ex

pens

es R

elat

ed To

Insu

ranc

e Bu

sine

ss

(Ref

er S

ched

ule

16 N

ote

10)

(Am

ount

in R

s. '0

00)

Par

ticul

ars

Curr

ent Y

ear

Part

icip

atin

gNo

n Pa

rtic

ipat

ing

Link

ed

Indi

vidu

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divi

dual

Indi

vidu

alIn

divi

dual

Indi

vidu

alGr

oup

Indi

vidu

alIn

divi

dual

Grou

pAs

sura

nce

Pens

ion

Assu

ranc

eHe

alth

Annu

ityAs

sura

nce

Assu

ranc

e Pe

nsio

n

Empl

oyee

s' re

mun

erat

ion,

w

elfa

re b

enef

its a

nd o

ther

m

anpo

wer

cost

s (*)

6,4

38,8

86

1,3

78,4

74

3,3

47

711

,569

1

0,56

1 1

,063

1

08,7

04

3,5

21,9

38

433

,897

2

69,3

33

Trav

el, c

onve

yanc

e an

d ve

hicl

eru

nnin

g ex

pens

es 1

77,9

62

38,

099

93

19,

667

292

2

9 3

,004

9

7,34

2 1

1,99

2 7

,444

Tr

aini

ng e

xpen

ses

125

,843

2

6,94

1 6

5 1

3,90

7 2

06

21

2,1

25

68,

834

8,4

80

5,2

64

Rent

s, ra

tes a

nd ta

xes

- Ser

vice

tax

born

e by

Uni

t l

inke

d po

licy h

olde

rs'

1,1

96,9

46

- -

- -

- -

1,1

44,6

87

39,

304

12,

955

- Ser

vice

Tax

unut

ilise

d cr

edits

pro

visio

n/w

rite

back

(13,

536)

(2,8

98)

(7)

(1,4

96)

(22)

(2)

(229

) (7

,404

) (9

12)

(566

)- S

ervi

ce Ta

x Ex

pens

es (5

4,00

6) (1

1,56

2) (2

8) (5

,968

) (8

9) (9

) (9

12)

(29,

540)

(3,6

39)

(2,2

59)

- Ren

ts &

Rat

es 4

96,9

70

106

,394

2

58

54,

921

815

8

2 8

,390

2

71,8

33

33,

489

20,

788

Repa

irs 8

4,13

3 1

8,01

2 4

4 9

,298

1

38

14

1,4

20

46,

019

5,6

69

3,5

19

Prin

ting

and

stat

ione

ry 1

80,5

43

38,

652

94

19,

952

296

3

0 3

,048

9

8,75

3 1

2,16

6 7

,552

Co

mm

unic

atio

n ex

pens

es 1

,869

,142

4

00,1

57

972

2

06,5

61

3,0

66

309

3

1,55

6 1

,022

,381

1

25,9

56

78,

184

Lega

l and

pro

fess

iona

l cha

rges

109

,210

2

3,38

0 5

7 1

2,06

9 1

79

18

1,8

44

59,

736

7,3

59

4,5

68

Med

ical

fees

32,

384

6,9

33

17

3,5

79

53

5

547

1

7,71

3 2

,182

1

,355

Au

dito

rs' f

ees,

expe

nses

, etc

.a)

as a

udito

r 5

,650

1

,210

3

6

24

9

1

95

3,0

91

381

2

36

b)as

adv

iser o

r in

any o

ther

capa

city

, in re

spec

t of

i) Ta

xatio

n M

atte

rs -

- -

- -

- -

- -

- ii)

Insu

ranc

e M

atte

rs -

- -

- -

- -

- -

- iii

) Man

agem

ent S

ervi

ces;

and

- -

- -

- -

- -

- -

c)in

any

oth

er ca

paci

ty 3

00

65

- 3

3 -

- 5

1

64

20

13

d)ou

t of p

ocke

t exp

ense

s 2

25

48

- 2

5 -

- 4

1

24

15

9

Adve

rtise

men

t and

pub

licity

775

,260

1

65,9

72

403

8

5,67

5 1

,272

1

28

13,

088

424

,051

5

2,24

3 3

2,42

8 In

tere

st a

nd b

ank

char

ges

197

,654

4

2,31

5 1

03

21,

843

324

3

3 3

,337

1

08,1

12

13,

319

8,2

68

Othe

rsa)

Info

rmat

ion

tech

nolo

gyex

pens

es 7

70,2

70

164

,904

4

00

85,

124

1,2

63

127

1

3,00

4 4

21,3

22

51,

906

32,

220

b)In

sura

nce,

wat

er a

ndel

ectr

icity

char

ges

248

,296

5

3,15

7 1

29

27,

439

407

4

1 4

,192

1

35,8

13

16,

732

10,

386

c)Po

licy s

tam

ps 1

16,8

38

25,

013

61

12,

912

192

1

9 1

,973

6

3,90

8 7

,873

4

,887

d)

Secu

rity a

nd h

ouse

keep

ing

322

,388

6

9,01

9 1

68

35,

627

529

5

3 5

,443

1

76,3

39

21,

725

13,

485

e)M

arke

ting

expe

nses

and

Busin

ess d

evel

opm

ent e

xpen

ses

2,2

31,9

72

454

,471

1

,094

2

71,4

59

6,7

03

366

3

4,65

7 1

,225

,174

1

52,1

79

85,

869

f)M

iscel

lane

ous e

xpen

ses

295

,297

5

6,64

9 1

38

29,

242

434

4

4 4

,467

1

73,5

28

19,

295

11,

500

Depr

ecia

tion

(Ref

er S

ched

ule

10)

457

,220

9

7,88

4 2

38

50,

528

750

7

5 7

,719

2

50,0

90

30,

811

19,

125

Tota

l16

,065

,847

3

,153

,289

7

,649

1

,664

,590

2

7,37

8 2

,447

2

47,4

81

9,2

94,0

08

1,0

42,4

42

626

,563

* i

nclu

des o

utso

urce

d pe

rson

al co

st o

f Rs.

412,

349

27

Annual Report 2010-2011Bajaj Allianz Life Insurance Company Ltd. I Schedules forming part of financial statements for the year ended 31st March 2011

Sche

dule

- 3

: Ope

ratin

g Ex

pens

es R

elat

ed To

Insu

ranc

e Bu

sine

ss

(Ref

er S

ched

ule

16 N

ote

10)

(Am

ount

in R

s. '0

00)

Par

ticul

ars

Prev

ious

Yea

rPa

rtic

ipat

ing

Non

Part

icip

atin

gLi

nked

Indi

vidu

alIn

divi

dual

Indi

vidu

alIn

divi

dual

Indi

vidu

alGr

oup

Indi

vidu

alIn

divi

dual

Grou

pAs

sura

nce

Pens

ion

Assu

ranc

eHe

alth

Annu

ityAs

sura

nce

Assu

ranc

e Pe

nsio

n

Empl

oyee

s' re

mun

erat

ion,

w

elfa

re b

enef

its a

nd o

ther

m

anpo

wer

cost

s (*)

6,9

90,6

18

332

,629

2

,429

2

50,6

22

8,7

43

608

9

0,32

6 5

,727

,789

5

61,3

12

16,

160

Trav

el, c

onve

yanc

e an

d ve

hicl

e ru

nnin

g ex

pens

es 1

61,6

50

7,6

92

56

5,7

95

202

1

4 2

,089

1

32,4

49

12,

980

373

Tr

aini

ng e

xpen

ses

144

,494

6

,875

5

0 5

,180

1

81

13

1,8

67

118

,392

1

1,60

2 3

34

Rent

s, ra

tes a

nd ta

xes

- Ser

vice

tax

born

e by

Uni

t l

inke

d po

licy h

olde

rs'

2,8

29,7

50

- -

- -

- -

2,7

14,2

41

105

,681

9

,828

- S

ervi

ce Ta

x un

utili

sed

cred

its

pro

visio

n/w

rite

back

(1,5

64,5

16)

(74,

443)

(544

) (5

6,09

0) (1

,957

) (1

36)

(20,

215)

(1,2

81,8

92)

(125

,623

) (3

,616

)- S

ervi

ce Ta

x Ex

pens

es 3

4,42

5 1

,638

1

2 1

,234

4

3 3

4

45

28,

207

2,7

64

79

- Ren

ts &

Rat

es 5

13,3

31

24,

426

178

1

8,40

4 6

42

45

6,6

33

421

,459

4

0,35

8 1

,186

Re

pairs

104

,637

4

,979

3

6 3

,751

1

31

9

1,3

52

85,

735

8,4

02

242

Pr

intin

g an

d st

atio

nery

263

,762

1

2,55

0 9

2 9

,456

3

30

23

3,4

08

216

,115

2

1,17

9 6

09

Com

mun

icat

ion

expe

nses

1,8

09,2

20

86,

087

629

6

4,86

3 2

,263

1

57

23,

377

1,4

82,3

90

145

,271

4

,183

Le

gal a

nd p

rofe

ssio

nal c

harg

es 1

31,0

21

5,7

90

42

4,3

63

9,4

89

11

1,5

72

99,

702

9,7

71

281

M

edic

al fe

es 4

5,67

7 2

,173

1

6 1

,638

5

7 4

5

90

37,

425

3,6

68

106

Au

dito

rs' f

ees,

expe

nses

, etc

.a)

as a

udito

r 4

,500

2

14

2

161

6

-

58

3,6

87

361

1

1 b)

as a

dvise

r or i

n an

y oth

er

capa

city

, in re

spec

t of

i) Ta

xatio

n M

atte

rs -

- -

- -

- -

- -

- ii)

Insu

ranc

e M

atte

rs -

- -

- -

- -

- -

- iii

) Man

agem

ent S

ervi

ces;

and

- -

- -

- -

- -

- -

c)in

any

oth

er ca

paci

ty 3

00

14

- 1

1 -

- 4

2

46

24

1

d)ou

t of p

ocke

t exp

ense

s 3

46

17

- 1

2 -

- 4

2

84

28

1

Adve

rtise

men

t and

pub

licity

876

,550

4

1,70

8 3

05

31,

425

1,0

96

76

11,

326

718

,205

7

0,38

3 2

,026

In

tere

st a

nd b

ank

char

ges

281

,230

1

3,38

2 9

8 1

0,08

2 3

52

24

3,6

34

230

,427

2

2,58

1 6

50

Othe

rsa)

In

form

atio

n te

chno

logy

ex

pens

es 5

42,9

50

25,

835

189

1

9,46

5 6

79

47

7,0

16

444

,868

4

3,59

6 1

,255

b)

Insu

ranc

e, w

ater

and

el

ectr

icity

char

ges

309

,776

1

4,74

0 1

08

11,

106

387

2

7 4

,003

2

53,8

16

24,

873

716

c)

Polic

y sta

mps

110

,040

5

,236

3

8 3

,945

1

38

10

1,4

22

90,

161

8,8

36

254

d)

Secu

rity a

nd h

ouse

keep

ing

316

,087

1

5,04

0 1

10

11,

332

395

2

7 4

,084

2

58,9

88

25,

380

731

e)

Mar

ketin

g ex

pens

es a

nd

Busin

ess d

evel

opm

ent e

xpen

ses

3,0

20,7

79

140

,514

8

49

130

,531

1

3,63

6 3

16

29,

878

2,4

83,3

36

216

,374

5

,345

f)

Misc

ella

neou

s exp

ense

s 2

34,8

61

7,9

03

58

5,9

54

208

1

4 2

,146

1

99,9

84

16,

969

1,6

25

Depr

ecia

tion

(Ref

er S

ched

ule

10)

554

,764

2

6,39

7 1

93

19,

889

694

4

8 7

,168

4

54,5

47

44,

545

1,2

83

Tota

l 1

7,71

6,25

2 7

01,3

96

4,9

46

553

,129

3

7,71

5 1

,340

1

82,1

87

14,

920,

561

1,2

71,3

15

43,

663

* inc

lude

s out

sour

ced

pers

onal

cost

of R

s. 37

0,75

7

(Am

ount

in R

s. '0

00)

Sche

dule

- 4

: Be

nefit

s pai

d (n

et)

28


Par

ticul

ars

Curr

ent Y

ear

Part

icip

atin

gNo

n Pa

rtic

ipat

ing

Link

ed

Indi

vidu

alIn

divi

dual

Indi

vidu

alIn

divi

dual

Indi

vidu

alGr

oup

Indi

vidu

alIn

divi

dual

Grou

pAs

sura

nce

Pens

ion

Assu

ranc

eHe

alth

Annu

ityAs

sura

nce

Assu

ranc

e Pe

nsio

nIn

sura

nce

Clai

ms

(Am

ount

cede

d in

rein

sura

nce)

:

Amou

nt a

ccep

ted

in re

insu

ranc

e

Bene

fits p

aid

to cl

aim

ants

:

a)Cl

aim

s by D

eath

4,7

75,8

34

225

,268

1

,931

1

51,7

55

8,9

88

2,2

43

1,5

18,4

64

2,7

78,5

95

88,

590

- b)

Clai

ms b

y Mat

urity

566

,404

5

01,3

08

12,

948

364

-

- -

677

5

1,10

7 -

c)An

nuiti

es/P

ensio

ns p

aym

ent

35,

770

- -

- -

15,

218

20,

552

- -

- d)

UL W

ithdr

awal

s/Su

rren

ders

&Ot

her B

enef

its (*

) 4

4,64

0,80

5 1

29,6

13

4,5

41

4,8

34

157

,304

-

609

,200

4

0,94

2,30

1 2

,065

,413

7

27,5

99

a)Cl

aim

s by D

eath

(61,

556)

(14,

834)

- (3

,615

) (1

,313

) -

5,9

00

(47,

694)

- -

b)Cl

aim

s by M

atur

ity -

- -

- -

- -

- -

- c)

Annu

ities

/Pen

sions

pay

men

t -

- -

- -

- -

- -

- d)

UL W

ithdr

awal

s/Su

rren

ders

&Ot

her B

enef

its (1

10,5

74)

(5,9

81)

- -

(78,

251)

- (2

6,34

0) (2

) -

-

a)Cl

aim

s by D

eath

- -

- -

- -

- -

- -

b)Cl

aim

s by M

atur

ity -

- -

- -

- -

- -

- c)

Annu

ities

/Pen

sions

pay

men

t -

- -

- -

- -

- -

- d)

UL W

ithdr

awal

s/Su

rren

ders

&Ot

her B

enef

its -

- -

- -

- -

- -

- To

tal

49,

846,

683

835

,374

1

9,42

0 1

53,3

38

86,

728

17,

461

2,1

27,7

76

43,

673,

877

2,2

05,1

10

727

,599

In In

dia

49,

846,

683

835

,374

1

9,42

0 1

53,3

38

86,

728

17,

461

2,1

27,7

76

43,

673,

877

2,2

05,1

10

727

,599

O

utsid

e In

dia

- -

- -

- -

- -

- -

Tota

l 4

9,84

6,68

3 8

35,3

74

19,

420

153

,338

8

6,72

8 1

7,46

1 2

,127

,776

4

3,67

3,87

7 2

,205

,110

7

27,5

99

Par

ticul

ars

Prev

ious

Yea

rPa

rtic

ipat

ing

Non

Part

icip

atin

gLi

nked

Indi

vidu

alIn

divi

dual

Indi

vidu

alIn

divi

dual

Indi

vidu

alGr

oup

Indi

vidu

alIn

divi

dual

Grou

pAs

sura

nce

Pens

ion

Assu

ranc

eHe

alth

Annu

ityAs

sura

nce

Assu

ranc

e Pe

nsio

nIn

sura

nce

Clai

ms

(Am

ount

cede

d in

rein

sura

nce)

:

Amou

nt a

ccep

ted

in re

insu

ranc

e

Bene

fits p

aid

to cl

aim

ants

:

a)Cl

aim

s by D

eath

3,8

87,4

83

197

,367

2

,590

7

9,26

6 3

,596

3

59

640

,981

2

,891

,404

7

1,92

0 -

b)Cl

aim

s by M

atur

ity 5

87,1

23

467

,732

2

3,55

8 1

,166

-

- -

112

9

4,55

5 -

c)An

nuiti

es/P

ensio

ns p

aym

ent

7,2

63

- -

- -

7,2

63

- -

- -

d)UL

With

draw

als/

Surr

ende

rs &

Othe

r Ben

efits

21,

928,

485

105

,176

3

,658

5

,767

1

01,3

06

- 1

80,0

18

20,

154,

919

1,0

86,7

14

290

,927

a)Cl

aim

s by D

eath

(52,

718)

(7,8

76)

- (9

38)

(4,4

47)

- (6

,150

) (3

3,30

7) -

- b)

Clai

ms b

y Mat

urity

- -

- -

- -

- -

- -

c)An

nuiti

es/P

ensio

ns p

aym

ent

- -

- -

- -

- -

- -

d)UL

With

draw

als/

Surr

ende

rs &

Othe

r Ben

efits

(55,

650)

(1,2

52)

- (3

5) (4

5,82

2) -

(8,5

41)

- -

-

a)Cl

aim

s by D

eath

- -

- -

- -

- -

- -

b)Cl

aim

s by M

atur

ity -

- -

- -

- -

- -

- c)

An

nuiti

es/P

ensio

ns p

aym

ent

- -

- -

- -

- -

- -

d)UL

With

draw

als/

Surr

ende

rs &

Othe

r Ben

efits

- -

- -

- -

- -

- -

Tota

l 2

6,30

1,98

6 7

61,1

47

29,

806

85,

226

54,

633

7,6

22

806

,308

2

3,01

3,12

8 1

,253

,189

2

90,9

27

In In

dia

26

,301

,986

7

61,1

47

29,

806

85,

226

54,

633

7,6

22

806

,308

2

3,01

3,12

8 1

,253

,189

2

90,9

27

Outs

ide

Indi

a

- -

- -

- -

- -

- -

Tota

l 2

6,30

1,98

6 7

61,1

47

29,

806

85,

226

54,

633

7,6

22

806

,308

2

3,01

3,12

8 1

,253

,189

2

90,9

27

* Sur

rend

ers a

re n

et o

f sur

rend

er ch

arge

s of R

s. 2,

567,

276

29


Schedule - 5 : Share Capital


Particulars Current Year Previous Year

200,000,000 (Previous Year 200,000,000)Equity Shares of Rs. 10/- Each 2,000,000 2,000,000

1,507,090 1,507,090 Equity Shares of Rs. 10/- Each150,709,000 (Previous Year 150,709,000) Equity Shares of Rs.10/- Each

Less : Preliminary Expenses (to the extent not written off) - -

Total 1,507,090 1,507,090

Authorised Capital

Issued , Subscribed, Called and Paid up Capital

Schedule - 5A : Pattern of Shareholding (As Certified by Management)

ShareholderNumber of % of Number of % of

Shares Holding Shares Holding

Current Year Previous Year

PROMOTERS:Indian

Bajaj Finserv Limited 111,524,660 74 111,524,660 74

ForeignAllianz SE 39,184,340 26 39,184,340 26

TOTAL 150,709,000 100 150,709,000 100

30


Schedule - 6 : Reserves and Surplus



Schedule - 7 : Borrowings



Debentures/Bonds - -

Banks - -

Financial Institutions - -

Others - -

TOTAL - -

Capital Reserve - -

Capital Redemption Reserve - -

Share Premium 10,599,550 10,599,550

Revaluation Reseve - -

General Reserve - -

Catastrophe Reserve - -

Other Reserve - -

Balance of Profit & Loss Account 10,387,412 -

Total 20,986,962 10,599,550

31


Schedule - 8 : Investments - Shareholders'



LONG TERM INVESTMENTS

SHORT TERM INVESTMENTS

INVESTMENTS

Government securities and Government 8,658,947 5,946,544 guaranteed bonds including Treasury Bills(Refer Note 1 below)Other Approved Securitiesa) Shares

aa) Equity - - bb) Preference - - b) Mutual Funds - - c) Derivative Instruments - - d) Debentures / Bonds 3,741,944 3,240,551 e) Other Securities

aa) Fixed Deposit with banks 2,899,500 323,900 f) Subsidiaries - - g) Investment Properties - Real Estate - -

Investments in Infrastructure & Social Sector 5,332,750 4,124,198Other Investments - -

Government securities and Government 953,072 - guaranteed bonds including Treasury BillsOther Approved Securitiesa) Shares

aa) Equity - - bb) Preference - -

b) Mutual Funds 18,305 - c) Derivative Instrument - -d) Debentures / Bonds 600,553 358,504e) Other Securities - -

aa) Fixed Deposit with banks 823,900 1,359,000f) Subsidiaries - -Investment Properties - Real Estate - -Investments in Infrastructure & Social Sector 491,849 101,133

Total 23,520,820 15,453,830

In India 23,520,820 15,453,830Outside India - -

Total 23,520,820 15,453,830

Notes : 1. Includes Rs.157,007 (Previous Year Rs. 157,141 ) deposited with Deutsche Bank AG, persuant to Section 7 of the Insurance Act

1938 (Refer Schedule 16 Note 6 )

2. Market Value of the above total investments of Rs.23,520,820 (Previous Year Rs. 15,453,830) is Rs.23,293,413 (Previous Year Rs. 15,531,986)

3. Historical cost of investment valued on fair value basis is Rs. 18,300 (Previous Year Rs. Nil)

32


Sche

dule

- 8A

: In

vest

men

ts -

Polic

yhol

ders

'(A

mou

nt in

Rs.

'000

) P

artic

ular

s Cu

rren

t Yea

rPa

rtic

ipat

ing

Non

Part

icip

atin

gLi

nked

Indi

vidu

alIn

divi

dual

Indi

vidu

alIn

divi

dual

Indi

vidu

alGr

oup

Indi

vidu

alIn

divi

dual

Grou

pAs

sura

nce

Pens

ion

Assu

ranc

eHe

alth

Annu

ityAs

sura

nce

Assu

ranc

e Pe

nsio

n

LONG

TER

M IN

VEST

MEN

TS

SHOR

T TE

RM IN

VEST

MEN

TS

Gove

rnm

ent s

ecur

ities

and

23,

530,

825

15,

126,

108

301

,652

1

,233

,536

3

5,16

2 2

11,5

43

3,2

63,4

14

3,2

48,9

88

101

,129

9

,293

Go

vern

men

t gua

rant

eed

bond

s in

clud

ing

Trea

sury

Bill

sOt

her A

ppro

ved

Secu

ritie

sa)

Shar

esaa

)Eq

uity

87,

952

87,

952

- -

- -

- -

- -

bb)

Pref

eren

ce -

- -

- -

- -

- -

- b)

Mut

ual f

unds

- -

- -

- -

- -

- -

c)De

rivat

ive

Inst

rum

ents

- -

- -

- -

- -

- -

d)De

bent

ures

/ Bo

nds

4,6

71,6

37

1,4

52,2

23

10,

000

259

,895

-

643

1

,688

,201

1

,187

,071

6

7,40

4 6

,200

e)

Othe

r Sec

uriti

esaa

)Fi

xed

Depo

sits w

ith B

anks

2,5

16,5

00

1,8

40,5

00

79,

700

239

,100

-

59,

700

297

,500

-

- -

f)Su

bsid

iarie

s -

- -

- -

- -

- -

- g)

Inve

stm

ent P

rope

rtie

s -

Real

Est

ate

- -

- -

- -

- -

- -

Inve

stm

ents

in In

frast

ruct

ure

&So

cial

Sec

tor B

onds

5,3

91,9

10

2,1

59,8

11

68,

411

399

,056

-

17,

821

1,4

92,8

37

1,2

53,9

74

- -

Othe

r inv

estm

ents

-Bo

nds

535

,260

4

33,4

69

- 1

01,7

91

- -

- -

- -

-Eq

uity

23,

223

23,

223

- -

- -

- -

- -

Gove

rnm

ent s

ecur

ities

and

349

,154

1

03,0

31

- -

- -

124

,663

1

21,4

60

- -

Gove

rnm

ent g

uara

ntee

d bo

nds

incl

udin

g Tr

easu

ry B

ills

Othe

r App

rove

d Se

curit

ies

a)Sh

ares

aa)

Equi

ty -

- -

- -

- -

- -

- bb

)Pr

efer

ence

- -

- -

- -

- -

- -

b)M

utua

l Fun

ds -

- -

- -

- -

- -

- c)

Deriv

ativ

e In

stru

men

ts -

- -

- -

- -

- -

- d)

Debe

ntur

es /

Bond

s 2

,340

,442

7

09,1

80

193

3

14,0

30

128

,265

1

7,54

7 7

06,8

38

384

,035

7

7,35

6 2

,998

e)

Othe

r Sec

uriti

es

aa)

Fixe

d De

posit

s with

Ban

ks 4

62,0

00

300

,000

4

,000

-

- -

- 1

58,0

00

- -

f)Su

bsid

iarie

s -

- -

- -

- -

- -

- g)

Inve

stm

ent P

rope

rtie

s -

Real

Est

ate

- -

- -

- -

- -

- -

Inve

stm

ents

in In

frast

ruct

ure

&So

cial

Sec

tor B

onds

1,0

28,3

36

160

,201

-

- -

- 1

15,8

82

733

,811

1

8,44

2 -

Othe

r inv

estm

ents

- -

- -

- -

- -

- -

TOTA

L 4

0,93

7,23

9 2

2,39

5,69

8 4

63,9

56

2,5

47,4

08

163

,427

3

07,2

54

7,6

89,3

35

7,0

87,3

39

264

,331

1

8,49

1 In

Indi

a 4

0,93

7,23

9 2

2,39

5,69

8 4

63,9

56

2,5

47,4

08

163

,427

3

07,2

54

7,6

89,3

35

7,0

87,3

39

264

,331

1

8,49

1 Ou

tsid

e In

dia

- -

- -

- -

- -

- -

Tota

l 4

0,93

7,23

9 2

2,39

5,69

8 4

63,9

56

2,5

47,4

08

163

,427

3

07,2

54

7,6

89,3

35

7,0

87,3

39

264

,331

1

8,49

1 No

te:

1.M

arke

t Val

ue o

f the

abo

ve to

tal i

nves

tmen

ts o

f Rs

..40,

937,

239

(Pre

viou

s yea

r Rs.

34,6

22,3

27) i

s Rs.4

0,86

6,50

9 (P

revi

ous y

ear R

s. 35

,049

,983

)2.

Hist

oric

al co

st o

f inv

estm

ent v

alue

d on

fair

valu

e ba

sis is

Rs 7

3,63

1 (P

revi

ous y

ear R

s. 73

,631

)

33

Annual Report 2010-2011Bajaj Allianz Life Insurance Company Ltd. I Schedules forming part of financial statements for the year ended 31st March 2011Sc

hedu

le -

8A :

Inve

stm

ents

- Po

licyh

olde

rs'

(Am

ount

in R

s. '0

00)

Par

ticul

ars

Prev

ious

Yea

rPa

rtic

ipat

ing

Non

Part

icip

atin

gLi

nked

Indi

vidu

alIn

divi

dual

Indi

vidu

alIn

divi

dual

Indi

vidu

alGr

oup

Indi

vidu

alIn

divi

dual

Grou

pAs

sura

nce

Pens

ion

Assu

ranc

eHe

alth

Annu

ityAs

sura

nce

Assu

ranc

e Pe

nsio

n

LONG

TER

M IN

VEST

MEN

TS

SHOR

T TE

RM IN

VEST

MEN

TS

Gove

rnm

ent s

ecur

ities

and

20,

899,

156

11,

377,

322

278

,024

4

02,5

74

72,

157

164

,689

2

,254

,731

6

,257

,005

7

7,78

2 1

4,87

2 Go

vern

men

t gua

rant

eed

bond

s in

clud

ing

Trea

sury

Bill

sOt

her A

ppro

ved

Secu

ritie

sa)

Shar

es

aa)

Equi

ty 7

4,11

4 7

4,11

4 -

- -

- -

- -

- bb

)Pr

efer

ence

-

- -

- -

- -

- -

- b)

Mut

ual f

unds

-

- -

- -

- -

- -

- c)

Deriv

ativ

e In

stru

men

ts -

-

- -

- -

- -

- -

d)De

bent

ures

/ Bo

nds

4,0

45,2

02

1,8

69,2

62

10,

000

292

,185

-

744

6

46,9

02

1,1

47,5

37

72,

372

6,2

00

e)Ot

her S

ecur

ities

a

a)Fi

xed

Depo

sits w

ith B

anks

162

,000

-

4,0

00

- -

- -

158

,000

-

- f)

Subs

idia

ries

-

- -

- -

- -

- -

- g)

Inve

stm

ent P

rope

rtie

s -Re

al E

stat

e -

-

- -

- -

- -

- -

Inve

stm

ents

in In

frast

ruct

ure

&

Soci

al S

ecto

r Bon

ds 6

,962

,564

2

,662

,560

1

14,5

81

341

,561

4

5,00

0 1

5,20

5 1

,313

,631

2

,363

,964

1

05,5

62

500

Ot

her i

nves

tmen

ts-

Bond

s -

- -

- -

- -

- -

- -

Equi

ty 2

7,95

0 2

7,95

0 -

- -

- -

- -

-

Gove

rnm

ent s

ecur

ities

and

3

54,0

60

127

,807

-

- 9

,293

-

- 2

09,4

51

7,3

00

209

Go

vern

men

t gua

rant

eed

bond

s in

clud

ing

Trea

sury

Bill

sOt

her A

ppro

ved

Secu

ritie

sa)

Shar

esaa

)Eq

uity

- -

- -

- -

- -

- -

bb)

Pref

eren

ce -

- -

- -

- -

- -

- b)

Mut

ual F

unds

- -

- -

- -

- -

- -

c)De

rivat

ive

Inst

rum

ents

- -

- -

- -

- -

- -

d)De

bent

ures

/ Bo

nds

497

,908

1

49,6

90

- -

- -

- 3

48,2

18

- -

e)Ot

her S

ecur

ities

a

a)Fi

xed

Depo

sits w

ith B

anks

1,0

94,5

00

- -

- -

- 1

45,9

00

748

,100

1

90,0

00

10,

500

f)Su

bsid

iarie

s -

- -

- -

- -

- -

- g)

Inve

stm

ent P

rope

rtie

s -

Real

Est

ate

- -

- -

- -

- -

- -

Inve

stm

ents

in In

frast

ruct

ure

&So

cial

Sec

tor B

onds

504

,873

1

6,64

8 -

- 1

27,9

04

3,4

77

66,

906

289

,938

-

- Ot

her i

nves

tmen

ts -

- -

- -

- -

- -

- TO

TAL

34,

622,

327

16,

305,

353

406

,605

1

,036

,320

2

54,3

54

184

,115

4

,428

,070

1

1,52

2,21

3 4

53,0

16

32,

281

In In

dia

34

,622

,327

1

6,30

5,35

3 4

06,6

05

1,0

36,3

20

254

,354

1

84,1

15

4,4

28,0

70

11,

522,

213

453

,016

3

2,28

1 Ou

tsid

e In

dia

- -

- -

- -

- -

- -

Tota

l 3

4,62

2,32

7 1

6,30

5,35

3 4

06,6

05

1,0

36,3

20

254

,354

1

84,1

15

4,4

28,0

70

11,

522,

213

453

,016

3

2,28

1 No

te:

1.M

arke

t Val

ue o

f the

abo

ve to

tal i

nves

tmen

ts o

f Rs

. 34,

622,

327

(Pre

viou

s yea

r Rs.

23,2

17,1

48) i

s Rs.

35,0

49,9

83 (P

revi

ous y

ear R

s. 24

,022

,333

)2.

Hist

oric

al co

st o

f inv

estm

ent v

alue

d on

fair

valu

e ba

sis is

Rs 7

3,63

1 (P

revi

ous y

ear R

s. 40

,587

)

34


Schedule - 8B : Assets held to cover linked liabilities



LONG TERM INVESTMENTS

SHORT TERM INVESTMENTS

INVESTMENTS

Government securities and Government 2,004,131 2,816,020 guaranteed bonds including Treasury BillsOther Approved Securitiesa) Shares

aa) Equity 222,366,564 195,838,931 bb) Preference - -

b) Mutual Funds - - c) Derivative Instruments - - d) Debentures / Bonds 8,113,260 6,174,713 e) Other Securities

aa) Fixed Deposit with Banks 7,117,500 908,400 f) Subsidiaries - - g) Investment Properties - Real Estate - - Investments in Infrastructure and Social Sector 15,893,394 15,243,670 Other Investments 24,583,590 19,175,337

Government securities and Government 1,710,929 796,834 guaranteed bonds including Treasury BillsOther Approved Securitiesa) Shares

aa) Equity - - bb) Preference - -

b) Mutual Funds - 2,154,200 c) Derivative Instrument - - d) Debentures / Bonds 37,066,699 28,400,020 e) Other Securities

aa) Fixed Deposit with Banks 2,553,200 4,254,100 f) Subsidiaries - - g) Investment Properties - Real Estate - - Investments in Infrastructure and Social Sector 2,773,264 893,000 Other Investments 165,000 - Net Current Assets 4,494,174 7,490,929

Total 328,841,705 284,146,154

In India 328,841,705 284,146,154 Outside India - -

Total 328,841,705 284,146,154

(Refer Schedule 16 Note 24)Historical Cost of above investments is Rs. 285,074,847 ( Previous Year Rs. 238,974,031)

35


Schedule - 9 : Loans



SECURITY-WISE CLASSIFICATION

BORROWER-WISE CLASSIFICATION

PERFORMANCE-WISE CLASSIFICATION

MATURITY-WISE CLASSIFICATION

Secureda) On mortgage of property

aa) In India - - bb) Outside India - -

b) On Shares, Bonds, Government Securities etc. - - c) Loan against policies 147,078 130,275

Total 147,078 130,275

a) Central and State Government - - b) Bank and Financial Institutions - - c) Subsidiaries - - d) Companies - - e) Loan against policies 147,078 130,275

Total 147,078 130,275

a) Loans classified as standard :aa) In India 147,078 130,275 bb) Outside India - -

Total 147,078 130,275

a) Short-Term - -b) Long-Term 147,078 130,275

Total 147,078 130,275

36


Sche

dule

- 10

: Fi

xed

Asse

ts(A

mou

nt in

Rs.

'000

)

GROS

S BL

OCK

DEPR

ECIA

TION

NE

T BL

OCK

Part

icul

ars

Open

ing

Addi

tions

Dedu

ctio

nsCl

osin

gUp

to la

stFo

r the

On S

ales

/To

dat

eCu

rren

t Pr

evio

us

year

year

Adju

stm

ents

Year

Year

Inta

ngib

le -C

ompu

ter S

oftw

are

71,

909

7,8

22

- 7

9,73

1 6

2,85

6 6

,487

-

69,

343

10,

388

9,0

53

Leas

ehol

d Im

prov

emen

ts 5

92,1

26

16,

000

19,

015

589

,111

4

45,4

09

106

,063

1

5,52

3 5

35,9

49

53,

162

146

,717

Bu

ildin

gs (R

efer

not

e 2

belo

w)

743

,380

3

39,6

48

- 1

,083

,028

3

4,94

7 1

6,84

5 -

51,

792

1,0

31,2

36

708

,433

El

ectr

ical

Fitti

ngs

10,

119

898

-

11,

017

2,5

34

572

-

3,1

06

7,9

11

7,5

85

Furn

iture

& Fi

tting

s 1

51,5

92

7,8

44

607

1

58,8

29

59,

452

8,9

15

401

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Prev

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37


Schedule - 11 : Cash and Bank Balances



1. Cash (including cheques, drafts and stamps) (*) 2,567,288 896,339 2. Bank Balances

a) Deposit Accountsaa) Short-term (due within 12 months of the date of Balance Sheet ) - -bb) Others 97,278 2,500

b) Current Accounts 1,720,532 1,288,069c) Others - -

3. Money at Call and Short Noticea) With Banks - -b) With Other Institutions - -

4. Others - -Total 4,385,098 2,186,908

Balances with non-scheduled banks included in 2 and 3 aboveCash and Bank Balances1. In India 4,385,098 2,186,9082. Outside India - -

Total 4,385,098 2,186,908

(*) includes credit card collections

38


Schedule - 12 : Advances and Other Assets



ADVANCESReserve deposits with ceding companies - -Application money for investments - - Prepayments 88,572 170,684 Advances to Directors / Officers - - Advance Tax paid and taxes deducted at source - - Others :

Advances to Suppliers 238,765 116,970 Others 1,444 2,704

Total (A) 328,781 290,358OTHER ASSETSIncome accrued on investments 1,569,322 1,366,121 Outstanding Premiums 1,084,390 427,502 Agents' Balances - - Foreign Agencies Balance - - Due from other entities carrying on insurance business 22,069 26,700 (Including amount due from Reinsurers) - - Due from subsidiaries / holding company - - Deposit with Reserve Bank of India - -

[pursuant to section 7 of Insurance Act,1938] - -Deposits 239,682 246,798 Others :

Unsettled Investment contract receivable 495,360 749,688 Others 92,853 4,463

Total (B) 3,503,676 2,821,272

Total (A+B) 3,832,457 3,111,630

39


Schedule - 13 : Current Liabilities



Agents' Balances 3,414,331 3,641,903 Balances due to other insurance companies 65,731 82,867 Deposits held on reinsurance ceded - - Premium received in advance 174,249 171,638 Premium & Other Deposits 1,097,160 1,725,733 Sundry Creditors 3,282,332 3,451,467 Due to Subsidaries / holding company - - Claims Outstanding 509,388 533,843 Annuities Due - - Due to Officers / Directors of the Company - - Unclaimed Amount-Policyholders [Refer Schedule 16 Note 9 (b)] 956,707 772,903 Others :Temporary Overdraft as per the books of accounts 1,017 138,357

Total 9,500,915 10,518,711


Particulars Current Year Current Year Previous Year Previous Year

For Taxation (Less Payments and Taxes deducted at Sources)Wealth Tax 115 200 Income Tax 585,443 585,558 125,993 126,193

For Proposed dividends - - For dividend distribution tax - - Others:

For Leave Encashment 272,601 254,326 For Long Term Incentive Plan 210,030 244,624 For Gratuity - 482,631 35,083 534,033

Total 1,068,189 660,226

Schedule - 14 : Provisions

Schedule - 15 : Miscellaneous Expenditure (To the extent not written-off or adjusted)


Discount allowed on issue of shares / debentures - -Others - -

Total - -


40 41



Particulars Schedule Linked Life Linked Pension Linked Group Current Year Non-Unit Unit Total Non-Unit Unit Total Non-Unit Unit Total

(1) (2) (3)=(1) + (2) (4) (5) (6)=(4) + (5) (7) (8) (9)= (7) + (8) (10)=(3)+ (6)+(9)

stRevenue Account for the year ended 31 March 2011Policyholders' Account (Technical Account)

Annexure to Revenue Account-Break Up of Unit Linked Business (UL) for the year ended 31st March 2011

PREMIUM EARNED – NET


OTHER INCOME:

COMMISSION OPERATING EXPENSES RELATED TO INSURANCE BUSINESS

BENEFITS PAID (NET)

Surplus / (Deficit) (D) =(A)-(B)-(C)

APPROPRIATIONS

(A) Premium 1,119,225 62,666,935 63,786,160 208,591 5,068,510 5,277,101 800,913 4,002,359 4,803,272 73,866,533 (B) Reinsurance ceded (Refer Schedule 16 Note 16) (151,083) - (151,083) (603) - (603) (1,275) - (1,275) (152,961)

SUB-TOTAL 968,142 62,666,935 63,635,077 207,988 5,068,510 5,276,498 799,638 4,002,359 4,801,997 73,713,572

(a) Interest, dividend & rent - gross 741,426 5,704,367 6,445,793 35,589 378,666 414,255 2,538 333,698 336,236 7,196,284 (b) Profit on sale / redemption of investments 52,093 30,297,790 30,349,883 1,049 1,631,295 1,632,344 115 194,182 194,297 32,176,524 (c) Loss on sale / redemption of investments (22,236) (3,388,067) (3,410,303) (3) (260,351) (260,354) (15) (126,851) (126,866) (3,797,523)(d) Unrealised gain / (loss) - (1,712,363) (1,712,363) - 191,737 191,737 - 115,361 115,361 (1,405,265)(e) Other investment income - 2,528,991 2,528,991 - 152,722 152,722 - 68,835 68,835 2,750,548

771,283 33,430,718 34,202,001 36,635 2,094,069 2,130,704 2,638 585,225 587,863 36,920,568

(a) Linked income UL1 15,888,187 (15,888,187) - 391,553 (391,553) - 99,391 (99,391) - - (b) Contribution from Shareholders' account - - - 304,846 - 304,846 - - - 304,846

(Refer Schedule 16 Note 15)(c) Others 11,083 - 11,083 4,617 - 4,617 1,166 - 1,166 16,866

Total (A) 17,638,695 80,209,466 97,848,161 945,639 6,771,026 7,716,665 902,833 4,488,193 5,391,026 110,955,852

2,548,714 - 2,548,714 167,465 - 167,465 128,790 - 128,790 2,844,969 8,149,321 1,144,687 9,294,008 1,003,138 39,304 1,042,442 613,608 12,955 626,563 10,963,013

Provision for Income Tax 1,741,671 - 1,741,671 - - - 21,551 - 21,551 1,763,222

TOTAL (B) 12,439,706 1,144,687 13,584,393 1,170,603 39,304 1,209,907 763,949 12,955 776,904 15,571,204

UL2 1,077,429 42,596,448 43,673,877 (47,031) 2,252,141 2,205,110 - 727,599 727,599 46,606,586 Interim Bonus Paid - - - - - - - - - - Change In Valuation of Liability In Respect Of Life Policies (3,143,749) - (3,143,749) (177,933) - (177,933) 5,648 - 5,648 (3,316,034)(Refer Schedule 16 Note 1(e) and note 8)Change In Valuation Liability - 36,468,331 36,468,331 - 4,479,581 4,479,581 - 3,747,639 3,747,639 44,695,551 (Refer Schedule 16 Note 1(e) and note 8)

TOTAL (C) (2,066,320) 79,064,779 76,998,459 (224,964) 6,731,722 6,506,758 5,648 4,475,238 4,480,886 87,986,103

7,265,309 - 7,265,309 - - - 133,236 - 133,236 7,398,545 Balance of previous year (E) - - - - - - - - - -

Transfer (to)/from reserve for lapsed unit linked policies unlikelyto be revived (E) 1,105,581 - 1,105,581 - - - - - - 1,105,581 Transfer To Shareholders' a/c (8,370,890) - (8,370,890) - - - (133,236) - (133,236) (8,504,126)

Balance being funds for future appropriations (D) - (E) - - - - - - - - - -

40 41



Particulars Schedule Linked Life Linked Pension Linked Group Current Year Non-Unit Unit Total Non-Unit Unit Total Non-Unit Unit Total

(1) (2) (3)=(1) + (2) (4) (5) (6)=(4) + (5) (7) (8) (9)= (7) + (8) (10)=(3)+ (6)+(9)





OTHER INCOME:


BENEFITS PAID (NET)


APPROPRIATIONS

(A) Premium 1,119,225 62,666,935 63,786,160 208,591 5,068,510 5,277,101 800,913 4,002,359 4,803,272 73,866,533 (B) Reinsurance ceded (Refer Schedule 16 Note 16) (151,083) - (151,083) (603) - (603) (1,275) - (1,275) (152,961)

SUB-TOTAL 968,142 62,666,935 63,635,077 207,988 5,068,510 5,276,498 799,638 4,002,359 4,801,997 73,713,572

(a) Interest, dividend & rent - gross 741,426 5,704,367 6,445,793 35,589 378,666 414,255 2,538 333,698 336,236 7,196,284 (b) Profit on sale / redemption of investments 52,093 30,297,790 30,349,883 1,049 1,631,295 1,632,344 115 194,182 194,297 32,176,524 (c) Loss on sale / redemption of investments (22,236) (3,388,067) (3,410,303) (3) (260,351) (260,354) (15) (126,851) (126,866) (3,797,523)(d) Unrealised gain / (loss) - (1,712,363) (1,712,363) - 191,737 191,737 - 115,361 115,361 (1,405,265)(e) Other investment income - 2,528,991 2,528,991 - 152,722 152,722 - 68,835 68,835 2,750,548

771,283 33,430,718 34,202,001 36,635 2,094,069 2,130,704 2,638 585,225 587,863 36,920,568


(Refer Schedule 16 Note 15)(c) Others 11,083 - 11,083 4,617 - 4,617 1,166 - 1,166 16,866

Total (A) 17,638,695 80,209,466 97,848,161 945,639 6,771,026 7,716,665 902,833 4,488,193 5,391,026 110,955,852

2,548,714 - 2,548,714 167,465 - 167,465 128,790 - 128,790 2,844,969 8,149,321 1,144,687 9,294,008 1,003,138 39,304 1,042,442 613,608 12,955 626,563 10,963,013

Provision for Income Tax 1,741,671 - 1,741,671 - - - 21,551 - 21,551 1,763,222

TOTAL (B) 12,439,706 1,144,687 13,584,393 1,170,603 39,304 1,209,907 763,949 12,955 776,904 15,571,204

UL2 1,077,429 42,596,448 43,673,877 (47,031) 2,252,141 2,205,110 - 727,599 727,599 46,606,586 Interim Bonus Paid - - - - - - - - - - Change In Valuation of Liability In Respect Of Life Policies (3,143,749) - (3,143,749) (177,933) - (177,933) 5,648 - 5,648 (3,316,034)(Refer Schedule 16 Note 1(e) and note 8)Change In Valuation Liability - 36,468,331 36,468,331 - 4,479,581 4,479,581 - 3,747,639 3,747,639 44,695,551 (Refer Schedule 16 Note 1(e) and note 8)

TOTAL (C) (2,066,320) 79,064,779 76,998,459 (224,964) 6,731,722 6,506,758 5,648 4,475,238 4,480,886 87,986,103

7,265,309 - 7,265,309 - - - 133,236 - 133,236 7,398,545 Balance of previous year (E) - - - - - - - - - -

Transfer (to)/from reserve for lapsed unit linked policies unlikelyto be revived (E) 1,105,581 - 1,105,581 - - - - - - 1,105,581 Transfer To Shareholders' a/c (8,370,890) - (8,370,890) - - - (133,236) - (133,236) (8,504,126)


42 43



Particulars Schedule Linked Life Linked Pension Linked Group Previous Year Non-Unit Unit Total Non-Unit Unit Total Non-Unit Unit Total

(1) (2) (3)=(1) + (2) (4) (5) (6)=(4) + (5) (7) (8) (9)= (7) + (8) (10)=(3)+ (6)+(9)





OTHER INCOME:


BENEFITS PAID (NET)


APPROPRIATIONS

(a) Premium 16,220,076 77,660,460 93,880,536 919,241 5,786,107 6,705,348 62,535 2,204,251 2,266,786 102,852,670 (b) Reinsurance ceded (Refer Schedule 16 Note 16) (127,809) - (127,809) (267) - (267) - - - (128,076)

SUB-TOTAL 16,092,267 77,660,460 93,752,727 918,974 5,786,107 6,705,081 62,535 2,204,251 2,266,786 102,724,594

(a) Interest, dividend & rent - gross 925,943 3,637,582 4,563,525 34,375 206,367 240,742 2,370 211,002 213,372 5,017,639 (b) Profit on sale / redemption of investments 41,943 29,778,526 29,820,469 1,695 1,769,350 1,771,045 22 220,313 220,335 31,811,849 (c) Loss on sale / redemption of investments (958) (4,638,017) (4,638,975) (2) (284,955) (284,957) - (45,652) (45,652) (4,969,584)(d) Unrealised gain / (loss) - 61,482,287 61,482,287 - 2,848,566 2,848,566 - 16,594 16,594 64,347,447 (e) Other investment income - 1,483,047 1,483,047 - 91,975 91,975 - 56,772 56,772 1,631,794

966,928 91,743,425 92,710,353 36,068 4,631,303 4,667,371 2,392 459,029 461,421 97,839,145


(Refer Schedule 16 Note 15)(c) Others 191,954 - 191,954 37,860 - 37,860 52 - 52 229,866

Total (A) 30,975,984 155,679,050 186,655,034 1,787,132 10,132,612 11,919,744 97,816 2,630,443 2,728,259 201,303,037

7,677,895 - 7,677,895 327,624 - 327,624 28,829 - 28,829 8,034,348 12,206,320 2,714,241 14,920,561 1,165,634 105,681 1,271,315 33,835 9,828 43,663 16,235,539

Provision for Income Tax 620,796 - 620,796 - - - 3,916 - 3,916 624,712

TOTAL (B) 20,505,011 2,714,241 23,219,252 1,493,258 105,681 1,598,939 66,580 9,828 76,408 24,894,599

UL2 2,398,982 20,614,146 23,013,128 39,063 1,214,126 1,253,189 - 290,927 290,927 24,557,244 Interim Bonus Paid - - - - - - - - - - Change In Valuation of Liability In Respect Of Life Policies 4,168,961 - 4,168,961 254,811 - 254,811 (326) - (326) 4,423,446 (Refer Schedule 16 Note 1(e) and note 8)Change In Valuation Liability - 132,350,663 132,350,663 - 8,812,805 8,812,805 - 2,329,688 2,329,688 143,493,156 (Refer Schedule 16 Note 1(e) and note 8)

TOTAL (C) 6,567,943 152,964,809 159,532,752 293,874 10,026,931 10,320,805 (326) 2,620,615 2,620,289 172,473,846

3,903,030 - 3,903,030 - - - 31,562 - 31,562 3,934,592 Balance of previous year (E) - - - - - - 641 - 641 641

Transfer (to)/from reserve for lapsed unit linked policies unlikely to be revived (E) 1,100,363 - 1,100,363 - - - - - - 1,100,363 Transfer To Shareholders' a/c (5,003,393) - (5,003,393) - - - (32,203) - (32,203) (5,035,596)


42 43



Particulars Schedule Linked Life Linked Pension Linked Group Previous Year Non-Unit Unit Total Non-Unit Unit Total Non-Unit Unit Total

(1) (2) (3)=(1) + (2) (4) (5) (6)=(4) + (5) (7) (8) (9)= (7) + (8) (10)=(3)+ (6)+(9)





OTHER INCOME:


BENEFITS PAID (NET)


APPROPRIATIONS

(a) Premium 16,220,076 77,660,460 93,880,536 919,241 5,786,107 6,705,348 62,535 2,204,251 2,266,786 102,852,670 (b) Reinsurance ceded (Refer Schedule 16 Note 16) (127,809) - (127,809) (267) - (267) - - - (128,076)

SUB-TOTAL 16,092,267 77,660,460 93,752,727 918,974 5,786,107 6,705,081 62,535 2,204,251 2,266,786 102,724,594

(a) Interest, dividend & rent - gross 925,943 3,637,582 4,563,525 34,375 206,367 240,742 2,370 211,002 213,372 5,017,639 (b) Profit on sale / redemption of investments 41,943 29,778,526 29,820,469 1,695 1,769,350 1,771,045 22 220,313 220,335 31,811,849 (c) Loss on sale / redemption of investments (958) (4,638,017) (4,638,975) (2) (284,955) (284,957) - (45,652) (45,652) (4,969,584)(d) Unrealised gain / (loss) - 61,482,287 61,482,287 - 2,848,566 2,848,566 - 16,594 16,594 64,347,447 (e) Other investment income - 1,483,047 1,483,047 - 91,975 91,975 - 56,772 56,772 1,631,794

966,928 91,743,425 92,710,353 36,068 4,631,303 4,667,371 2,392 459,029 461,421 97,839,145


(Refer Schedule 16 Note 15)(c) Others 191,954 - 191,954 37,860 - 37,860 52 - 52 229,866

Total (A) 30,975,984 155,679,050 186,655,034 1,787,132 10,132,612 11,919,744 97,816 2,630,443 2,728,259 201,303,037

7,677,895 - 7,677,895 327,624 - 327,624 28,829 - 28,829 8,034,348 12,206,320 2,714,241 14,920,561 1,165,634 105,681 1,271,315 33,835 9,828 43,663 16,235,539

Provision for Income Tax 620,796 - 620,796 - - - 3,916 - 3,916 624,712

TOTAL (B) 20,505,011 2,714,241 23,219,252 1,493,258 105,681 1,598,939 66,580 9,828 76,408 24,894,599

UL2 2,398,982 20,614,146 23,013,128 39,063 1,214,126 1,253,189 - 290,927 290,927 24,557,244 Interim Bonus Paid - - - - - - - - - - Change In Valuation of Liability In Respect Of Life Policies 4,168,961 - 4,168,961 254,811 - 254,811 (326) - (326) 4,423,446 (Refer Schedule 16 Note 1(e) and note 8)Change In Valuation Liability - 132,350,663 132,350,663 - 8,812,805 8,812,805 - 2,329,688 2,329,688 143,493,156 (Refer Schedule 16 Note 1(e) and note 8)

TOTAL (C) 6,567,943 152,964,809 159,532,752 293,874 10,026,931 10,320,805 (326) 2,620,615 2,620,289 172,473,846

3,903,030 - 3,903,030 - - - 31,562 - 31,562 3,934,592 Balance of previous year (E) - - - - - - 641 - 641 641

Transfer (to)/from reserve for lapsed unit linked policies unlikely to be revived (E) 1,100,363 - 1,100,363 - - - - - - 1,100,363 Transfer To Shareholders' a/c (5,003,393) - (5,003,393) - - - (32,203) - (32,203) (5,035,596)


44



Particulars Life Linked Pension Linked Linked Group CurrentUnit Unit Unit Year

(1) (2) (3) (4)= (1)+(2)+(3)


Particulars Life Linked Pension Linked Linked Group PreviousUnit Unit Unit Year

(1) (2) (3) (4)= (1)+(2)+(3)

Schedule - UL1 : Linked Income(recovered from linked funds) (net of service tax)


Schedule - UL1 : Linked Income(recovered from linked funds) (net of service tax)


Fund Administration charge 219,430 - - 219,430 Fund Management charge 4,122,023 220,741 65,138 4,407,902 Policy Administration charge 7,947,302 154,417 6,172 8,107,891 Surrender charge - - - - Switching charge 2,407 1,223 - 3,630 Mortality charge 3,112,494 14,032 27,522 3,154,048 Rider Premium charge 484,531 1,140 559 486,230 Partial withdrawal charge - - - - Miscellaneous charge - - - -

TOTAL (UL-1) 15,888,187 391,553 99,391 16,379,131

Fund Administration charge 236,926 - - 236,926 Fund Management charge 3,092,384 145,004 32,204 3,269,592 Policy Administration charge 6,734,816 125,130 115 6,860,061 Surrender charge - - - - Switching charge 4,479 615 - 5,094 Mortality charge 3,132,259 12,948 491 3,145,698 Rider Premium charge 523,971 1,101 27 525,099 Partial withdrawal charge - - - - Miscellaneous charge - - - -

TOTAL (UL-1) 13,724,835 284,798 32,837 14,042,470

45


(Am

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Bene

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Bajaj Allianz Life Insurance Company Ltd. I Revenue Account for the year ended 31st March 2011

* Sur

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46


Background

1. Significant Accounting Policies followed by the Company

Basis of Preparation

Use of Estimates

a) Revenue Recognition

Bajaj Allianz Life Insurance Company Limited (“the Company”) was incorporated on 12th March 2001 as a Company under the Companies Act, 1956. The Company obtained a license from the Insurance Regulatory and Development Authority (“IRDA”) for carrying on the business of life insurance on 3rd August 2001. The registration certificate granted by IRDA is valid and the same has been renewed for the year 2011-2012. The Company has a wide range of products in traditional and unit-linked insurance business.

The accompanying financial statements have been prepared and presented under the historical cost convention, on the accrual basis of accounting, in compliance with the accounting standards ('AS') prescribed in the Companies Act 1956 and Rules thereunder, to the extent applicable, and in accordance with the provisions of the Insurance Act, 1938, the Insurance Regulatory and Development Authority (Preparation of Financial Statements and Auditor's Report of Insurance Companies) Regulations, 2002 ('the Regulations'), Insurance Regulatory and Development Authority Act, 1999, various circulars issued by IRDA and the practices prevailing in the insurance industry in India. The accounting policies have been consistently applied by the Company.

The preparation of financial statements in conformity with generally accepted accounting principles requires management to make estimates and assumptions that affect the reported amounts of assets, liabilities, revenue and expenses and disclosure of contingent liabilities as on the date of financial statements. The estimates and assumptions used in the accompanying financial statements are based upon management's evaluation of the relevant facts and circumstances as of the date of the financial statements. Actual results could differ from those estimates. Any revision to accounting estimates is recognized prospectively in current and future periods.

Revenues are recognised as under. However recognition is postponed where ultimate collectibility lacks reasonable certainty.

Premium Income

Income earned on investments

b) Reinsurance premium

Premium is recognised as income when due. For linked business, premium is recognized when the associated units are allotted.

Premium on lapsed policies is recognized as income when such policies are reinstated.

In case of linked business, top up premiums paid by policyholders are unitized and considered as single premium. This premium is recognised when associated units are allotted.

Commission received on reinsurance ceded is recognized as income in the period in which reinsurance premium is ceded.

Interest income is recognised on an accrual basis.

Dividend income is recognized when the right to receive dividend is established.

Premium or discount on acquisition, as the case may be, in respect of debt securities, pertaining to non-linked investments is amortized over the period of maturity / holding and offset against interest income.

Profit / loss on sale / redemption of securities other than linked investments is recognized on trade / redemption date and includes effects of accumulated fair value changes, as applicable and previously recognised, for specific investments sold / redeemed during the year. Cost of security is determined on weighted average cost basis.

The realized gains or losses on the debt securities for other than linked business is the difference between the net sale consideration and the amortized cost computed on weighted average basis as on the date of sale.

The realized gains or losses on equity shares and mutual fund units for other than linked business is the difference between the net sale consideration and the weighted average cost in the books of the Company.

The realized gains or losses on securities held for linked business is the difference between the net sale consideration and the weighted average cost as on the date of sale.

Fund Management Charges, Policy / Fund Administration Charges and Cost of Insurance are accounted for on accrual basis in accordance with terms and conditions described in the issued policies.

Reinsurance premium ceded is accounted in accordance with the treaty with reinsurers.

Schedule - 16 : Notes to financial statements

47


c) Benefits Paid (Including Claims)

d) Acquisition Costs

e) Liability for life policies

f) Investments

Death and surrender claims are accounted for on receipt of intimation. Maturity claims are accounted when due for payment. Reinsurance recoveries are accounted for in the same period as the related claims and netted off against the claim expense incurred.

Repudiated claims disputed before judicial authorities are provided for based on the best judgment of the management considering the facts and evidence in respect of each such claim.

Withdrawals under unit linked policies are accounted in respective schemes when the associated units are cancelled.

Surrender Charges recovered are netted off against the claim expense incurred.

Acquisition costs such as commission, policy issue expenses etc. are costs that vary with and are primarily relatable to the acquisition of new and renewal insurance contracts. Such costs are expensed in the year in which they are incurred. Additional first year commission is accounted for on an accrual basis, after considering estimated lapsations. Claw back in future, if any, for the first year commission paid, is accounted for in the year in which it is recovered.

(i) The Company provides for liabilities in respect of all “in force” policies and “lapsed policies” that are likely to be revived in future, based on actuarial valuation done by the Appointed Actuary as per gross premium method in accordance with accepted actuarial practices, requirements of IRDA and the Institute of Actuaries of India.

(ii) Accordingly liabilities in respect of unit linked policies which have lapsed and are not likely to be revived, are shown as a separate item under the head “funds for future appropriations”, until expiry of the revival period. This is as per IRDA Circular No. 041/IRDA/ACTL/MAR-2006 dated 29th March 2006.

(iii) Linked liabilities comprise unit liability representing the fund value of policies and non-unit liability for meeting insurance claims & expenses etc. This is based on an actuarial valuation carried out by the Appointed Actuary.

Actuarial policies and assumptions are given in Note 8 below.

Investments are made in accordance with the Insurance Act, 1938, the Insurance Regulatory and Development Authority (Investment) Regulations, 2000, as amended and circulars / notifications issued by IRDA from time to time.

Investments are recorded on trade date at cost, which includes brokerage, fees and related taxes, if any and excludes pre-acquisition interest, if any.

i) Classification

Investments maturing within twelve months from the Balance Sheet date and investments made with the specific intention to dispose of within twelve months from Balance Sheet date are classified as short-term investments. Investments other than short term are classified as long-term investments.

Investments are specifically procured and held for policyholders and shareholders independently and the income relating to these investments is recognized in the Revenue Account and Profit and Loss Account respectively.

ii) Valuation – Shareholders' investments and non-linked policyholders' investments

All debt securities are considered as 'held to maturity' and accordingly stated at historical cost adjusted for amortization of premium or accretion of discount over the period held to maturity / sale.

Listed equity shares and mutual fund units are stated at fair value, in accordance with IRDA Investment (Amendment) Regulations 2001. Fair value for listed equity shares is the lower of the last quoted closing price on the National Stock Exchange (NSE) and Bombay Stock Exchange (BSE). Fair value for mutual fund units is the per unit net asset value on the Balance Sheet date declared by respective Mutual Fund. Unrealized gains / losses on changes in fair values of listed equity shares and mutual funds are taken to the Fair Value Change Account and carried forward in the Balance Sheet.

iii) Valuation – linked business

Listed equity shares are valued at fair value, being the last quoted closing price on the NSE. In case the equity shares are not listed on the NSE, then they are valued on the last quoted closing price on BSE. Unlisted shares are stated at historical cost subject to provision for diminution, if any, in the value of such investment.

Government securities are valued at prices obtained from Credit Rating Information Services of India Ltd. (CRISIL).

Corporate bonds and debentures are valued on the basis of CRISIL Bond Valuer.

Treasury bills, certificate of deposits and commercial papers are valued at cost plus accretion using the Straight Line method.

Mutual fund units have been valued at the last available per unit Net Asset Value declared by the respective mutual fund.

Bajaj Allianz Life Insurance Company Ltd. I Schedules forming part of financial statements for the year ended 31st March 2011

48


iv) Transfer of investments

Transfer of investments from Shareholders' Fund to the Policyholders' Fund is at book value or market price; whichever is lower.

Transfer of debt securities is at lower of amortised cost or market price.

Inter fund transfer of Treasury Bills, Certificate of Deposits and Commercial Papers between unit linked funds is done at cost plus accretion. All other transfer of investments between unit linked funds is done at market price.

Loans are stated at historical cost, net of provision for impairment, if any.

Fixed assets are stated at cost of acquisition less accumulated depreciation. Cost of acquisition includes incidental expenses relating to acquisition and installation. In respect of liabilities incurred in acquisition of fixed assets in foreign exchange, the net gain or loss arising on conversion / settlement is charged to Revenue Account.

Intangible assets comprising software are stated at cost less amortization.

Depreciation / amortisation is provided on Straight Line Method (SLM) with reference to the management's assessment of the estimated useful life of the assets or the rates specified by the Schedule XIV of the Companies Act, 1956, whichever is higher.

g) Loans

h) Fixed Assets and Depreciation

Depreciation / amortisation is provided at the following rates:

Asset Class Rate of Depreciation / amortization

(SLM)

Rate of Depreciation

as per Sch. XIV (SLM)

Intangibles -Computer Software 33.33% p.a. 16.21% p.a.Leasehold Improvements Over the

balance period of Lease

Over the balance period

of Lease

Buildings 2.00% p.a. 1.63% p.a.Electrical Fittings 6.33% p.a. 4.75% p.a.Furniture & Fittings 6.33% p.a. 6.33% p.a.

Information Technology Equipment 33.33% p.a. 16.21% p.a.Air Conditioner 10.00% p.a. 4.75% p.a.Vehicles 20.00% p.a. 7.07% p.a.Office Equipment 25.00% p.a. 4.75% p.a.

The Company provides pro rata depreciation from the month in which the asset is acquired / first put to use and upto the month in which the asset is sold / discarded.

Assets costing individually less than Rs 5,000 are charged off as revenue expenses. Assets costing Rs 5,000 and above, upto Rs 20,000, are fully depreciated in the year of acquisition.

Impairment of Assets

The Company assesses at each Balance Sheet date whether there is any indication that an asset may be impaired. If any such indication exists, the Company estimates the recoverable amount of the asset. An impairment loss is recognized if such recoverable amount of the asset is less than its carrying amount. After impairment, depreciation is provided on the revised carrying amount of the assets over its remaining useful life.

Leases where the lessor effectively retains substantially all the risks and benefits of ownership over the leased term are classified as operating leases. Operating lease rentals are recognized as an expense in the profit and loss account / revenue account on a straight-line basis over the lease term.

The Company makes contributions to the defined contribution schemes such as Statutory Provident Fund, Employee Labour Welfare Fund, Employees' State Insurance Corporation and Employee Deposit Link Insurance Scheme at the prescribed rates. Contributions are charged to the Revenue Account of the year when the contributions to the funds are due.

The Company makes a contribution to the Bajaj Auto Employee Superannuation Scheme, a defined contribution scheme, for its eligible employees at fixed rates.

The Company's liability towards Gratuity, Leave Encashment and Long Term Incentive Plan being defined benefit plans is accounted for on the basis of independent actuarial valuations carried out at the year end and actuarial gains / losses related there to are charged to the Revenue Account. The actuarial method used for measuring the aforesaid liabilities is 'Projected Unit Credit Method'.

Transactions in foreign currency on account of revenue expenditure are accounted for at the rate prevailing at the date of the transactions. Current assets and liabilities are translated

i) Accounting for leases

Operating leases

j) Employee Benefits:

k) Transactions in Foreign Currency

at the year-end closing rates. The resulting exchange gain or loss, if any, is reflected in the profit and loss account / revenue account.

Income Tax expense comprises current tax (i.e. amount of tax for the period determined in accordance with the income-tax law) and deferred tax charge or credit (reflecting the tax effects of timing differences between the accounting income and taxable income for the period).

Deferred tax is measured based on the tax rates and the tax laws enacted or substantively enacted at the balance sheet date. Deferred tax assets are recognised only to the extent that there is reasonable certainty that sufficient future taxable income will be available against which such deferred tax assets can be realised. In situations where the Company has unabsorbed depreciation or carry forward tax losses, deferred tax assets are recognised only if there is virtual certainty supported by convincing evidence that they can be realised against future taxable profits.

At each balance sheet date the Company re-assesses unrecognised deferred tax assets. It recognises unrecognised deferred tax assets to the extent that it has become reasonably certain or virtually certain, as the case may be that sufficient future taxable income will be available against which such deferred tax assets can be realised.

The Company creates a provision when there is present obligation as a result of a past event that probably requires an outflow of resources and a reliable estimate can be made of the amount of the obligation. A disclosure for a contingent liability is made when there is a possible obligation or a present obligation that may, but probably will not, require an outflow of resources. When there is a possible obligation or a present obligation in respect of which the likelihood of outflow of resources is remote, no provision or disclosure is made.

Service Tax liability on premium and charges is setoff against available service tax credits from service tax payments made for Insurance Auxiliary and other eligible services. Unutilised credits, if any, are carried forward under "Advances and other Assets" for adjustments / setoff in subsequent periods, after creating a provision based on estimated realization of the unutilised credit. Such provisions are subsequently reversed only on reasonable certainty that the credits will be utilized in future periods.

l) Taxation

m) Provisions and Contingent liabilities

n) Service Tax

2. (i) Contingent Liabilities

(Rupees '000)

* The Service Tax department has issued an order on the Company for Rs.7,064 thousand (excluding interest), pertaining to the period August 2002 to 31st December 2004. The Company has filed an appeal against the order with the Customs, Excise and Service Tax Appellate Tribunal.

49


Particulars As at 31March 2011

As at 31 March 2010

Partly-paid up investments Nil NilUnderwriting commitments outstanding Nil NilClaims, other than those under policies, not acknowledged as debts 37,167 955Guarantees given by or on behalf of the Company Nil NilStatutory demands / liabilities in dispute, not provided for * 7,064 7,064Reinsurance obligations to the extent not provided for in accounts Nil NilClaims, under policies, not acknowledged as debts 92,039 56,809

o) Earnings per share

p) Segment Reporting

Basic earnings per share is calculated by dividing the net profit or loss for the year attributed to equity shareholders by the weighted number of equity shares outstanding during the year.

For the purpose of calculating diluted earnings per share, the net profit or loss for the year attributable to equity shareholders and the equity weighted number of shares outstanding during the year are adjusted for effects of all dilutive equity shares.

The Company's reportable segments are business segments which have been identified in accordance with the regulations. The operating expenses, investments and other income attributable to the business segments are allocated as mentioned in Note 10. Segment revenues and results have been disclosed in the Financial Statements itself. Segment assets and liabilities have been identified to the extent possible in the following table. There are no reportable geographical segments since the Company provides services to customers in the Indian market only and does not distinguish any reportable regions within India.

Statutory disclosures as required by the Regulations

50


3.

4.

5.

There are no assets required to be deposited by the Company under any local law or otherwise encumbered in or outside India except investments to be held under Section 7 of the Insurance Act, 1938 as discussed under Note 6. There are no assets subject to restructuring.

The commitments made and outstanding for investment is Rs.928,180 thousand (Previous Year Rs. Nil) (net of amount already paid). The commitments made and outstanding for fixed assets amount to Rs. 94,931 thousand (Previous Year Rs.76,391 thousand) (net of advances).

Value of unsettled contracts relating to investments as at 31st March 2011 for:

(Rupees '000)

6. Investments as required to be maintained under Section 7 of the Insurance Act, 1938 are as follows:

(Rupees '000)

st31 March2011 2010

8.32% Govt. of India 157,007 157,141Securities 2032*(Face Value Rs. 150,000)

st31 MarchParticulars

* This investment is in the custody of Deutsche Bank India Branch in the Constituent Subsidiary General Ledger ('CSGL') account. The investments are performing investments.

(ii) Penalties :

Details of penal actions taken by various Government Authorities as required vide Circular No.005/IRDA/F&A/CIR/MAY-09 dated May 7, 2009 are given below.

(Rupees '000)

* Amounts in brackets represent previous year figures.# Post Listing

Sr. No.

Authority Non-Compliance / Violation

Penalty Awarded

Penalty Paid Penalty Waived / Reduced

1 Insurance Regulatory and Development Authority 1. Staff Rebate given to non-employees in few cases

500 (Nil)* 500 (Nil) Nil (Nil)

2. Surrender / partial withdrawal permitted during Lock-in period in few cases

500 (Nil) 500 (Nil) Nil (Nil)

2 Service Tax Authorities Nil (Nil) Nil (Nil) Nil (Nil) Nil (Nil)3 Income Tax Authorities Nil (Nil) Nil (Nil) Nil (Nil) Nil (Nil)4 Any other Tax Authorities Nil (Nil) Nil (Nil) Nil (Nil) Nil (Nil)5 Enforcement Directorate / Adjudicating Authority /

Tribunal or any Authority under FEMANil (Nil) Nil (Nil) Nil (Nil) Nil (Nil)

6 Registrar of Companies / NCLT/CLB / Department of Corporate Affairs or any Authority under Companies Act, 1956

Nil (Nil) Nil (Nil) Nil (Nil) Nil (Nil)

7 Penalty awarded by any Court / Tribunal for any matter including claim settlement but excluding compensation

Nil (Nil) Nil (Nil) Nil (Nil) Nil (Nil)

8 Securities and Exchange Board of India # Nil (Nil) Nil (Nil) Nil (Nil) Nil (Nil)9 Competition Commission of India Nil (Nil) Nil (Nil) Nil (Nil) Nil (Nil)

10 Any other Central / State / Local Government / Statutory Authority

Labour Department (Central / State)

Nil (44) Nil (44) Nil (Nil)

7. Managerial remuneration*

The details of the managerial remuneration included in employee remuneration and welfare benefits are as follows:

(Rupees '000)

st st31 March 31 March2011 2010

Salary 34,354 15,921Perquisites 5,257 780

Particulars

Particulars Linked Business Non-linked Business

31 March 2011

31 March 2010

31 March 2011

31 March 2010

Purchases where deliveries are pending 4,733,138 2,196,496 Nil Nil

Sales where receipts are due 4,424,206 2,727,492 495,360 749,688


51

The managerial remuneration is in accordance with the approval accorded by a resolution of the Board of Directors and IRDA as required under Section 34A of the Insurance Act, 1938.

Expenses towards gratuity, leave encashment and Long Term Incentive Plan for Mr.V.Philip are determined actuarially on an overall Company basis annually and accordingly have not been considered in above information. Leave encashment and Long Term Incentive Plan for Mr. Kamesh Goyal settled during the year have been included above.

As per approval of the terms of appointment of Mr. Kamesh Goyal by IRDA, with effect from 1st January 2010, the proportionate amount of remuneration calculated at Rs.15,000 thousand per annum has been debited to the Revenue Account and the excess over such amount is debited to the Shareholders' (Profit and Loss) Account.

* Mr. Kamesh Goyal (till 31st January 2011) and Mr. V. Philip (w.e.f. 1st February 2011)

Liabilities for life insurance policies are determined by the Appointed Actuary in accordance with the IRDA regulations and relevant guidance notes issued by the Institute of Actuaries of India.

Non-linked business is reserved using a prospective gross premium method of valuation. The non-linked business is predominantly participating and the reserves are established having regard to the assumptions as to future experience, including the interest rate that will be earned on premiums not yet received, together with associated bonus rates. Regular premium participating business has been reserved using an interest rate of 7.20% per annum, which is same as that used for the previous year's valuation.

Single premium participating business has been reserved using an interest rate of 6.25% per annum, which is same as used in valuation as at 31st March 2010. The discount rate is determined after having regard to the yield likely to be obtained on relevant matching assets.

Assumptions as to the future bonus rates are set to be consistent with the interest rate assumptions. Provision has been made for a bonus distribution in respect of business in force at the valuation date on a basis considered appropriate by the appointed actuary having taken into account the reasonable expectations of policyholders.

The non-linked non-par business written under Invest Plus and Invest Plus Premier has been reserved using an interest rate of 7.80% and the Guaranteed Investment Return (GIR) consistent with the interest rate assumption.

8. Actuarial Valuation

Linked business has been reserved using the unit price of the respective unit funds plus a non unit reserve to allow for the cost of insurance and any expenses and commissions in excess of future charges.

Mortality assumptions are based on the published IALM (1994-1996) Ultimate Mortality Table with adjustment to reflect expected experience and with an allowance for adverse deviation.

Assumptions for morbidity and for the incidence of accidental death are based on terms available from reinsurers and the standard morbidity rate table CIBT 93 (Critical Illness Base Table for year 93).

The reserve is sufficient to allow for any adverse lapse experience. Further it has been ensured that for each policy the reserve is sufficient to pay the minimum guaranteed surrender value.

Commission has been allowed for at the Company's table rates with an allowance for service tax. Maintenance expenses have been allowed for in accordance with pricing assumptions, which has been dully validated by the actual experience of the company during the last one year. An additional reserve has been included to allow for the possible adverse deviations in experience in excess of offsetting adjustments in bonus rates and to allow for the contingency of closure to new business as is required by guidance notes(GN1) issued by the Institute of Actuaries of India.

The reserve for the Group Term Business has been calculated having regard to the unearned gross premium and expenses already incurred. The group non-linked non-par savings business has been valued having regard to the accrued account value of the members of the group schemes.

Provision has been made for the possible revival of the lapsed policies, which have lapsed before the valuation date, having regard to the experience of the Company. As per IRDA circular No: 041/IRDA/ACTL/MAR-2006 dated 29th March 2006, a reserve for lapsed unit linked policies not likely to be revived is held as a separate item under the head “Funds for Future Appropriations”.

The provision has been made for the incurred but not reported death claims (IBNR) based on the Company's past experience of delay in reporting the event of deaths.

Where minimum surrender value is guaranteed, the minimum reserve under those policies has been set as the guaranteed surrender value. In all other cases the minimum reserve has been set to zero.

The Appointed Actuary is satisfied that the nature and extent of reinsurance arrangements require no additional reserve to be set aside. All reserves have been calculated using gross exposure and gross office premiums.

52


10. Allocation of expenses

11.

Operating expenses relating to insurance business are allocated to specific business segments as under:

(a) Expenses, which are directly identifiable, are allocated on an actual basis.

(b) Other operating expenses, which are not directly identifiable are apportioned based on a combination of:

· New Business Regular Premium;

· New Business Single Premium; and

· Renewal Premium

Expenses attributable to shareholders are charged to the Shareholders' Account.

Sr. Particulars 31 March 31 MarchNo. 2011 20101. Contribution to Employees

Provident Fund 182,397 165,3052. Contribution to

Superannuation Fund 3,392 2,3503. Contribution to Labour

Welfare Fund, EDLI 2,124 4,6474. Contribution to ESIC 19,632 11,857

9. Claims

(a) Claims settled, undisputed and remaining unpaid for a period of more than six months at year-end amount to Rs. 47,297 Thousand (Previous Year: Rs 729 Thousand).

(b) Disclosure of unclaimed amounts of Policyholders as required vide Circular No. IRDA/ F & I / CIR / CMP / 174 / 11 / 2010 dated November 4, 2010 is as follows: –

(Rupees '000)

Particulars Claims settled but not paid to the

policyholders/ insured due to any reasons

except under litigation from the insured /

policyholder

Sum due to the insured / policyholders on

maturity or otherwise

Cheques issued but not encashed by the

policyholder/ insured*

Total

0 - 30 Days 552,735 35,496 23,523 611,754

01 - 06 Months 18,735 18,709 60,433 97,877

07 - 12 Months 16,934 7,405 50,744 75,083

13 - 18 Months 284 22,622 63,294 86,200

19 - 24 Months 52 Nil 12,618 12,670

25 - 30 Months Nil Nil 17,627 17,627

31 - 36 Months Nil Nil 25,668 25,668

Beyond 36 Months Nil Nil 29,828 29,828

TOTAL AMOUNT 588,740 84,232 283,735 956,707

* represents cheques, exceeding 6 months, issued to policyholders.

12. Accounting Standard AS15 (Revised) Employee Benefits

i. Defined Contribution Plans

The Company has recognized following amounts in the Revenue Account for the year –

(Rs.'000)

53


ii. Defined Benefit Plans – as per Actuarial Valuation on March 31, 2011

a) Reconciliation of opening and closing balances of the present value of the Defined Benefit Obligation (DBO):

(Rs.'000)

b) A reconciliation of the opening and closing balances of the fair value of plan assets:

(Rs.'000)

Particulars - Gratuity 31 March 2011 31 March 2010

Fair value of Plan Assets at 83,449 54,421the beginning of the yearAdd :Expected return on Plan Assets 6,938 5,258Add / (Less) : Actuarial 1,190 2,458Gains / (Losses)Add : Contributions 135,238 56,028Less: Benefits Paid (44,972) (34,716)Fair value of Plan Assets at 181,843 83,449the close of the yearActual Return on Plan Assets 8,128 7,716

c) Net (Assets) / Liabilities recognized in the Balance Sheet as at March 31, 2011:

(Rs.'000)


Present value of Defined 174,649 118,532Benefit obligationLess: Fair value of Plan Assets (181,843) (83,449)Present value of unfunded Nil NilobligationNet Liability / ( Asset) (7,194) 35,083recognized in the Balance sheet

d) Total expenses recognized in the Revenue Account:

(Rs.'000)

Particulars - Gratuity 31 March 2011 31 March 2010Current Service Cost 46,739 58,127Interest Cost 12,311 11,211Expected return on (6,938) (5,258)Plan AssetsActuarial Losses / ( Gains) 40,833 (27,425)Past service costs 16 NilEffect of curtailment / Nil NilsettlementAdjustments for earlier years Nil NilRecognized in the 92,961 36,655Revenue Account

The above have been included under the line item “Employees' remuneration, welfare benefits and other manpower costs” in Schedule 3.

Particulars – Gratuity 31 March 2011 31 March 2010

Present value of Defined Benefit Obligation at the beginning of the yearInterest costCurrent service costActuarial Losses / ( Gains)Past Service CostBenefits paidPresent value of Defined Benefit Obligation at the close of the year

118,532

12,31146,73942,023

16(44,972)174,649

108,877

11,211 58,127

(24,967) Nil

(34,716)118,532

(Rs.'000)


Insurer Managed Funds 181,843 83,449(100%)


Discount Rate 8.00% 7.85%Expected rate of return on 7.50% 7.50%Plan AssetsSalary Escalation rate - 6% 6%Management Staff

f) Actuarial Assumptions:

g) Future salary increases considered in actuarial valuation take into account inflation, seniority, promotion and other relevant factors, such as supply and demand in the employment market.

h) Expected rate of return on plan assets is on the basis of average long term rate of return expected on investments of the fund during the estimated term of obligation.

e) Major categories of plan assets as a percentage of total plan assets:

54


As there were no dilutive equity shares issued, or potential equity shares, no reconciliation between the denominator used for computation of basic and diluted earnings per share is necessary.

The Company has entered into agreements in the nature of Lease / Leave and License Agreements with different lessors / licensors for the purpose of establishment of office premises. These are generally in the nature of operating leases / leave and licenses and disclosure required as per Accounting Standard 19 with regard to the above is as under:

19. Operating lease commitments

(Rupees '000)

i) There are no transactions in the nature of sub leases.

ii) Payments recognized in the Revenue account for the year ended 31st March 2011, are Rs. 478,059 thousand (Previous Year Rs. 494,629 thousand).

iii) The period of agreement is generally for three years and renewable thereafter at the option of the lessee.

Particulars 31 March 2011

31 March 2010

Not later than one year 344,844 396,484

Later than one year but not later than five years 526,101 303,365Later than five years 74,505 8,008

13. Percentage of business sector-wise

14. Percentage of risk retained and risk reinsured

(Rs.'000)


Number of Policies

Percentage of policies

Number of Policies

Percentage of policies

Rural 330,962 21.46% 683,450 30.66%

Urban 1,211,043 78.54% 1,546,039 69.34%

Current Year Previous Year

Number of Lives Insured

Number of Policies

Number of Lives Insured

Number of Policies

Social 755,909 8 4,408,502 8


Sum at risk Percentage Sum at risk Percentage

Risk retained 2,950,631,347 92.71% 2,379,058,826 93.21%

Risk reinsured 231,938,294 7.29% 173,285,421 6.79%

15.

16.

17.

18.

The shareholders of the Company, in their Extra Ordinary General Meeting held on 6th May 2011 have authorized the Board of Directors of the Company to decide on the transfer of amounts from the Shareholders' Account to the Policyholders' Account to make good the deficit, if any, in the Policyholders' Funds in respect of any financial year, which shall be subject to the approval of the shareholders of the Company at the ensuing Annual General Meeting of the respective years.

Reinsurance is in place on lives where cover is in excess of the Company's retention limit and this has been reflected in the Accounts.

As per Accounting Standard 18 prescribed in the Companies Act 1956 and Rules thereunder, disclosures of transactions with the related parties have been set out in a separate statement annexed to this schedule as Appendix I. The related parties, in respect of which the disclosures have been made, have been identified on the basis of information available with the Company and taken on record by the Board of Directors.

In accordance with Accounting Standard (AS 20) – on Earnings Per Share (EPS), the following table reconciles the numerator and denominator used to calculate basic / diluted earnings per share.

Particulars 31 March 2011

31 March 2010

Profit/(Loss) after tax (Rs.'000) 10,570,390 5,422,868

Basic earnings before extra-ordinary items [A] (Rs.'000)

10,570,390 5,422,868

Basic earnings after extra-ordinary items [B] (Rs. '000)

10,570,390 5,422,868

Weighted average no. of equity shares (par value of Rs 10 each) [C]

150,709,000 150,709,000

Basic earnings per equity share [A/C] (Rs)

70.14 35.98

Basic earnings per equity share excluding extraordinary items [B/C] (Rs)

70.14 35.98

20. Previous year figures have been regrouped where possible and wherever necessary to make them comparable with those of the current year. Summary of amounts of the previous year which have been regrouped is as follows:

These re-groupings do not affect previously reported Surplus as per Revenue Account and Loss as per Profit and Loss Account.

(Rupees '000)

55


Particulars Reported in Previous year

reportedin currentyear

Difference FromSchedule No.

ToSchedule No.

Reasons Amount

Premium and other Deposit

1,761,303 1,725,733 (35,570) 13(Premium and Other deposits)

13 (Unclaimed Amount-Policyholders)

Reclassification of Unclaimed policyholders amount from Premium and other deposit

(35,570)

Sundry Creditors

4,115,177 3,451,467 (663,710) 13(Sundry Creditors)


Reclassification of Unclaimed policyholders amount from Sundry creditors

(663,710)

Claims Outstanding

607,466 533,843 (73,623) 13 (Claims Outstanding)


Reclassification of Unclaimed policyholders amount from Claims Outstanding

(73,623)

Unclaimed Amount-Policyholders

- 772903 772,903 13 (Unclaimed Amount-Policyholders)

13 (Premium and Other deposits)

Reclassification of Unclaimed policyholders amount from Premium and other deposit

35,570

13 (Sundry Creditors)

Reclassification of Unclaimed policyholders amount from Sundry creditors

663,710

13 (Claims Outstanding)

Reclassification of Unclaimed policyholders amount from Claims Outstanding

73,623

772,903 772,903

56 57


21 : Segment Reporting

Particulars Current Year Participating Policyholders' Non - Participating Policyholders' Unit Linked Policyholders' Shareholders' UnallocatedTotal Individual Individual Individual Individual Individual Group Individual Individual Group

Assuarance Pension Assuarance Health Annuity Assurance Assuarance Pension

Credit/(Debit) Fair Value Change Account 37,544 37,544 - - - - - - - - - -

Policy Liabilities 38,446,675 21,546,414 437,321 2,590,574 163,927 312,114 7,581,846 5,526,929 270,886 16,664 - -

Provision for linked liabilities 328,841,705 - - - - - - 300,477,096 19,490,662 8,873,947 - -

Funds for Future Appropriations 1,183,697 1,150,293 33,404 - - - - - - - - -

Reserve for Lapsed unit linked policies unlikely to be revived 1,745,324 - - - - - - 1,745,324 - - - -

Loans 147,078 147,078 - - - - - - - - - -

Investments 64,458,059 22,395,698 463,956 2,547,408 163,427 307,254 7,689,335 7,087,339 264,331 18,491 23,520,820 -

Assets Held to Cover Linked Liabilities 328,841,705 - - - - - - 300,477,096 19,490,662 8,873,947 - -

Fixed Assets # 1,653,709 - - - - - - - - - - 1,653,709

Cash and bank balances 4,385,098 - - - - - - - - - - 4,385,098

Advances & Other AssetsOutstanding Premium 1,084,390 891,111 4,720 176,565 11,992 - 2 - - - - - Due from Other Entities carrying on Insurance business 22,069 6,395 - 602 8,173 - 195 6,704 - - - - Income accrued on investments 1,569,322 474,554 8,131 40,731 942 5,515 197,348 171,329 7,765 622 662,385 - Unsettled Investment contract receivable 495,360 - - - - - - - - - 495,360 - Other Assets 661,316 - - - - - - - - - - 661,316

Current LiabilitiesAgents Balance 3,414,331 1,093,701 701 608,025 25,727 358 107,739 1,414,922 92,256 70,902 - - Balance due to other Insurance Companies 65,731 6,247 176 2,714 (6,575) - 4,005 36,298 160 1,275 - 21,431 Sundry Creditors 3,282,332 40,148 93 18,560 642 - - - - - - 3,222,889 Claims Outstanding 509,388 76,550 237 37,889 100 31,465 17,495 344,208 1,444 - Premium received in advance 174,249 5,703 11 - - - - 141,505 - 27,030 - - Premium & Other Deposits 1,097,160 - - - - - - - - - - 1,097,160 Unclaimed Amount-Policyholders 956,707 50,226 1,343 1,689 (46) (1,495) 68 538,789 78,304 4,094 - 283,735 Temporary overdraft as per books of accounts 1,017 - - - - - - - - - - 1,017

Provisions 1,068,189 - - - - - - - - - - 1,068,189

Policy Liabilities and Funds for Future Appropriations are covered by Investments and Interest accrued on Investments. # Fixed assets are not identifiable to any particular business segment. Depreciation has been allocated based on the assumption that the use of assets is proportional to the basis referred to in Note 10(b) of Schedule 16.


(Rupees '000)

56 57



Particulars Current Year Participating Policyholders' Non - Participating Policyholders' Unit Linked Policyholders' Shareholders' UnallocatedTotal Individual Individual Individual Individual Individual Group Individual Individual Group





Funds for Future Appropriations 1,183,697 1,150,293 33,404 - - - - - - - - -


Loans 147,078 147,078 - - - - - - - - - -

Investments 64,458,059 22,395,698 463,956 2,547,408 163,427 307,254 7,689,335 7,087,339 264,331 18,491 23,520,820 -


Fixed Assets # 1,653,709 - - - - - - - - - - 1,653,709


Advances & Other AssetsOutstanding Premium 1,084,390 891,111 4,720 176,565 11,992 - 2 - - - - - Due from Other Entities carrying on Insurance business 22,069 6,395 - 602 8,173 - 195 6,704 - - - - Income accrued on investments 1,569,322 474,554 8,131 40,731 942 5,515 197,348 171,329 7,765 622 662,385 - Unsettled Investment contract receivable 495,360 - - - - - - - - - 495,360 - Other Assets 661,316 - - - - - - - - - - 661,316

Current LiabilitiesAgents Balance 3,414,331 1,093,701 701 608,025 25,727 358 107,739 1,414,922 92,256 70,902 - - Balance due to other Insurance Companies 65,731 6,247 176 2,714 (6,575) - 4,005 36,298 160 1,275 - 21,431 Sundry Creditors 3,282,332 40,148 93 18,560 642 - - - - - - 3,222,889 Claims Outstanding 509,388 76,550 237 37,889 100 31,465 17,495 344,208 1,444 - Premium received in advance 174,249 5,703 11 - - - - 141,505 - 27,030 - - Premium & Other Deposits 1,097,160 - - - - - - - - - - 1,097,160 Unclaimed Amount-Policyholders 956,707 50,226 1,343 1,689 (46) (1,495) 68 538,789 78,304 4,094 - 283,735 Temporary overdraft as per books of accounts 1,017 - - - - - - - - - - 1,017

Provisions 1,068,189 - - - - - - - - - - 1,068,189

Policy Liabilities and Funds for Future Appropriations are covered by Investments and Interest accrued on Investments. # Fixed assets are not identifiable to any particular business segment. Depreciation has been allocated based on the assumption that the use of assets is proportional to the basis referred to in Note 10(b) of Schedule 16.


(Rupees '000)

58 59

Annual Report 2010-2011Bajaj Allianz Life Insurance Company Ltd. I IRDA Registration No.116 dated 3rd August, 2001 Bajaj Allianz Life Insurance Company Ltd. I Schedules forming part of financial statements for the year ended 31st March 2011


Particulars Previous Year Participating Policyholders' Non - Participating Policyholders' Unit Linked Policyholders' Shareholders' UnallocatedTotal Individual Individual Individual Individual Individual Group Individual Individual Group





Funds for Future Appropriations 1,023,664 994,530 29,134 - - - - - - - - -


Loans 130,275 130,275 - - - - - - - - - -

Investments 50,076,157 16,305,353 406,605 1,036,320 254,354 184,115 4,428,070 11,522,213 453,016 32,281 15,453,830 -


Fixed Assets # 1,794,035 - - - - - - - - - - 1,794,035


Advances & Other Assets Outstanding Premium 427,502 383,977 4,486 20,629 18,410 - - - - - - - Due from Other Entities carrying on Insurance business 26,700 15,323 - 779 3,901 - 6,150 547 - - - - Income accrued on investments 1,366,121 427,234 6,637 18,393 7,457 2,558 127,719 290,582 35,955 1,870 447,716 - Unsettled Investment contract receivable 749,688 - - - - - - - - - - 749,688 Other Assets 541,619 - - - - - - - - - - 541,619

Current Liabilities Agents Balance 3,641,903 228,139 363 214,854 19,676 123 140,939 2,903,294 123,637 10,878 - - Balance due to other Insurance Companies 82,867 4,843 250 2,824 6,704 - 16,338 33,334 111 - - 18,463 Sundry Creditors 3,451,467 22,578 - 3,182 - 887 - - - - - 3,424,820 Claims Outstanding 533,843 56,353 4,592 29,505 43,423 100 20,700 307,905 71,265 - - - Premium received in advance 171,638 394 - 29 - - - 171,215 - - - - Premium & Other Deposits 1,725,733 - - - - - - - - - - 1,725,733 Unclaimed Amount-Policyholders 772,903 - - - - - - - - - - 772,903 Temporary overdraft as per books of accounts 138,357 - - - - - - - - - - 138,357

Provisions 660,226 - - - - - - - - - - 660,226

# Fixed assets are not identifiable to any particular business segment. Depreciation has been allocated based on the assumption that the use of assets is proportional to the basis referred to in Note 10(b) of Schedule 16.

(Rupees '000)

58 59

Annual Report 2010-2011Bajaj Allianz Life Insurance Company Ltd. I IRDA Registration No.116 dated 3rd August, 2001 Bajaj Allianz Life Insurance Company Ltd. I Schedules forming part of financial statements for the year ended 31st March 2011


Particulars Previous Year Participating Policyholders' Non - Participating Policyholders' Unit Linked Policyholders' Shareholders' UnallocatedTotal Individual Individual Individual Individual Individual Group Individual Individual Group





Funds for Future Appropriations 1,023,664 994,530 29,134 - - - - - - - - -


Loans 130,275 130,275 - - - - - - - - - -

Investments 50,076,157 16,305,353 406,605 1,036,320 254,354 184,115 4,428,070 11,522,213 453,016 32,281 15,453,830 -


Fixed Assets # 1,794,035 - - - - - - - - - - 1,794,035


Advances & Other Assets Outstanding Premium 427,502 383,977 4,486 20,629 18,410 - - - - - - - Due from Other Entities carrying on Insurance business 26,700 15,323 - 779 3,901 - 6,150 547 - - - - Income accrued on investments 1,366,121 427,234 6,637 18,393 7,457 2,558 127,719 290,582 35,955 1,870 447,716 - Unsettled Investment contract receivable 749,688 - - - - - - - - - - 749,688 Other Assets 541,619 - - - - - - - - - - 541,619

Current Liabilities Agents Balance 3,641,903 228,139 363 214,854 19,676 123 140,939 2,903,294 123,637 10,878 - - Balance due to other Insurance Companies 82,867 4,843 250 2,824 6,704 - 16,338 33,334 111 - - 18,463 Sundry Creditors 3,451,467 22,578 - 3,182 - 887 - - - - - 3,424,820 Claims Outstanding 533,843 56,353 4,592 29,505 43,423 100 20,700 307,905 71,265 - - - Premium received in advance 171,638 394 - 29 - - - 171,215 - - - - Premium & Other Deposits 1,725,733 - - - - - - - - - - 1,725,733 Unclaimed Amount-Policyholders 772,903 - - - - - - - - - - 772,903 Temporary overdraft as per books of accounts 138,357 - - - - - - - - - - 138,357

Provisions 660,226 - - - - - - - - - - 660,226

# Fixed assets are not identifiable to any particular business segment. Depreciation has been allocated based on the assumption that the use of assets is proportional to the basis referred to in Note 10(b) of Schedule 16.

(Rupees '000)

60


22 : Summary of Financial Statements(Amount in Rs. '000)

Sr. Particulars 2010-11 2009-10 2008-09 2007-08 2006-07 2005-06 Policyholders' Account

1 Gross premium income 96,099,487 114,197,137 106,245,213 97,253,110 53,452,422 31,335,778 2 Net premium income # 95,751,789 113,913,657 106,010,710 97,120,392 53,359,827 31,282,213 3 Income from investments (Net) @ 39,123,659 99,302,163 (31,148,700) 7,001,918 3,096,821 312,417 4 Other Income 403,589 976,028 1,770,168 3,069,470 1,024,594 1,375,771 5 Total income 135,279,037 214,191,848 76,632,178 107,191,780 57,481,242 32,970,401 6 Commissions (Net) 6,164,741 9,625,696 10,515,493 14,968,622 9,466,813 3,418,670 7 Brokerage - - - - - - 8 Operating Expenses related to insurance business 16,065,847 17,716,252 18,757,915 20,043,360 10,730,189 4,868,110 9 Provisions for tax 1,923,860 653,127 157,738 93,313 73,054 41,020 10 Total Expenses 24,154,448 27,995,075 29,431,146 35,105,295 20,270,056 8,327,800 11 Payment to policy holders* 49,866,241 26,312,344 7,565,608 8,516,733 6,987,347 6,536,048 12 Increase in actuarial liability** 52,848,822 155,788,353 38,480,462 61,589,436 28,845,060 17,488,362 13 Surplus/ Deficit from operations 8,409,526 4,096,076 1,154,962 1,980,316 1,378,779 618,191

Shareholders’ Account 14 Total income under Shareholders’ Account ## 1,823,827 1,084,376 906,749 795,036 277,123 106,879 15 Profit/ (loss) before tax 10,816,647 5,569,943 (706,727) (2,138,825) (717,006) (985,406) 16 Provisions for tax 246,257 147,075 85 80 27 36 17 Profit/ (loss) after tax 10,570,390 5,422,868 (706,812) (2,138,905) (717,033) (985,442) 18 Profit/ loss carried to Balance Sheet 10,387,412 (182,978) (5,605,846) (4,899,034) (2,760,129) (2,043,096) 19 Miscellaneous

(A) Policyholders’ account: Total funds (including unit linked funds) 370,254,945 318,342,558 163,681,474 124,180,044 60,626,486 30,431,495 Total investments (including unit linked investments)

369,778,944 318,768,481 163,870,146 124,228,665 60,919,159 30,459,323

Yield on investments (%) (excluding unit linked investments) 8.28% 8.35% 8.99% 8.77% 7.17% 9.80%

(B) Shareholders’ account: Total funds (net of debit balance in Profit & Loss A/C)

22,494,057 11,923,662 6,500,794 7,207,708 4,245,236 2,955,263

Total investments 23,520,820 15,453,830 7,695,214 11,458,855 6,536,500 2,780,868 Yield on investments (%) 8.27% 8.43% 9.26% 8.66% 7.36% 5.80%

20 Yield on total investments(excluding unit linked investments) 8.27% 8.37% 9.08% 8.72% 7.24% 8.40%

21 Paid up equity capital 1,507,090 1,507,090 1,507,090 1,507,090 1,503,680 1,502,338 22 Net worth 22,494,057 11,923,662 6,500,794 7,207,708 4,245,236 2,955,263 23 Total Assets

(net of debit balance in Profit & Loss A/C)

392,749,002 330,266,220 170,182,268 131,387,754 64,871,722 33,386,758

24 Earning per share (Rs.) 70.14 35.98 (4.69) (14.22) (4.77) (6.56) 25 Book value per share (Rs.) 149.25 79.12 43.13 47.83 28.23 19.67

# Net of reinsurance @ Net of losses * Inclusive of interim bonuses, if any ** Includes fund reserve since 2003-04 ## Excludes amount transferred from the Policyholders' Account (Technical Account)

61


2010-11 2009-10

1 New business premium income growth (segment-wise) (New business premium for current year divided by new business premium for previous year)Participating 4.40 1.35Non Participating 1.44 2.98Unil Linked 0.54 0.89

2 Net retention ratio 0.996 0.998(Net premium divided by gross premium)

3 Ratio of expenses of management (**) 0.22 0.21(Expenses of management including commission divided by the total gross direct premium with Single Premium)

4 Ratio of expenses of management (**) 0.25 0.23(Expenses of management including commission expenses divided by the total gross direct premium without Single Premium)

5 Commission ratio 0.06 0.08(Gross Commission paid to Gross premium)

6 Ratio of policy holders’ liabilities to shareholders’ funds 16.46 26.707 Growth rate of share holders’ funds 1.89 1.838 Ratio of surplus to policy holders’ liability (*) 0.02 0.019 Change in net worth 1.89 1.8310 Profit after tax/ Total income 5.79 5.0011 (Total Real Estate + Loans) / Cash & invested assets 0.003 0.00312 Total investments / (Capital + Surplus) 17.48 28.0313 Total affiliated investments/ (Capital + Surplus) 0.00 0.00

23 : Ratios: (Expressed in number of times)

* Surplus including Contribution from Shareholders' account** Excluding Service tax borne by Unit linked policy holders'

24.

25.

The Revenue Account and Balance Sheet for unit linked business has been annexed to this schedule as Appendix II. Disclosure for ULIP Business as per Unit Linked Disclosure Norms issued vide Circular No. 054/IRDA/F & A/FEB-07 dated February 20, 2007, has been annexed to this schedule as Appendix III.

Disclosures for Controlled Fund as required vide Circular No. IRDA/F&I/CIR/F&A/045/03/2010 dated March 17, 2010, has been annexed to this schedule as Appendix IV.


For Dalal & Shah For B S R & Co. For Bajaj Allianz Life Insurance Company LimitedChartered Accountants Chartered AccountantsFirm Registration Firm RegistrationNo. 102021W No. 101248W

Anish Amin Juzer Miyajiwala Rahul Bajaj Heinz Dollberg Niraj BajajPartner Partner Chairman Director DirectorMember Ship No 40451 Member Ship No 47483

Sanjiv Bajaj Kamesh Goyal Ranjit GuptaDirector Alternate Director Director

S. H. Khan Suraj Mehta Manu Tandon

Director Director Director V Philip Rajesh Viswanathan Anil SinghManaging Director and Chief Financial Officer Appointed ActuaryChief Executive Officer

Sameer BakshiCompany Secretaryand Head- Legal & Compliance


62


Related Party DisclosuresAppendix I Refer Schedule 16 Note 17 (Amount in Rs.'000)

Schedules forming part of financial statements for the year ended 31st March 2011

Sr. No.

Related Party Relationship Current Year Previous Year

Total value of Transactions during the year Payment /(receipts)

Nature of Transaction Balance Outstanding

as at 31st March 2011 Receivable/

(Payable)

Amount Nature of Transaction Balance Outstanding


(Payable)

1 Bajaj Finserv Ltd. Holding Company

11,250

-

Paid towards the Revenue expenditurePaid towards the Capital expenditure

(1,270)

-

4,212

5,297

Paid towards the Revenue expenditurePaid towards the Capital expenditure

-

-

2 Bajaj Auto Ltd. Group Company

(1,521) 811

98,585 (1,209,800)

16

Insurance premium receivedInsurance claims paidInvestments PurchasedInvestments SoldPaid towards the Revenue expenditure

- - - - -

(630) 682

- - -

Insurance premium receivedInsurance claims paidInvestments PurchasedInvestments SoldPaid towards the Revenue expenditure

- - - - -

3 Bajaj Holding and Investment Ltd.

Group Company

(106,070) Investments Sold - - Investments Sold -

4 Bajaj Finance Ltd.(Earlier Known asBajaj Auto Finance Ltd.)

Group Company

(328,296) 24,123

190,413

150,000 6,667

6,966

Insurance premium receivedInsurance claims paidPaid towards the Revenue expenditureInvestments PurchasedAdvance paid towards Revenue Expenditure Paid Towards Insurance Commision

- -

35,380

- (6,667)

4,205

(210,805) 8,600

105,951

- -

-

Insurance premium receivedInsurance claims paidPaid towards the Revenue expenditure Investments Purchased

Paid Towards Insurance Commision

--

(6,532) -

-

5 Bajaj Allianz General Insurance Co. Ltd.

Group Company

(19,241) 51,967

(98,674)

51,036

(72,787) 4,268

Insurance Premium Received Insurance Premium paymentReimbursement received of Revenue and Capital expenditurePaid towards the Revenue and Capital expenditureInsurance Claim ReceivedInsurance Claims Paid

- 7,710

79,515

-

- -

(48,786) 5,752

(51,447)

71,750

(3,452) 1,596

Insurance Premium Received Insurance Premium paymentReimbursement received of Revenue and Capital expenditurePaid towards the Revenue and Capital expenditureInsurance Claim ReceivedInsurance Claims Paid

(20,303)

-

--

6 Bajaj Allianz Financial Distributors Ltd.

Group Company

-

(2,692) (1,272)

416,014

1,050

Reimbursement received of Revenue ExpenditureRental IncomeInsurance premium receivedRevenue expenditure for Outsource personnel costInsurance claims paid

-

8,181 - -

-

(653)

(2,692) (895)

392,445

-

Reimbursement received of Revenue ExpenditureRental IncomeInsurance premium receivedRevenue expenditure for Outsourced Employees cost.Insurance claims paid

12,274 -

-

7 Allianz SE Shareholder 14,164 -

(175)

Revenue expenditure for OPUSReimbursement made of Revenue Expenditure Reimbursement received Of Revenue Expenditure

(12,881) -

-

10,765 654

-

Revenue expenditure for OPUSReimbursement made of Revenue Expenditure Reimbursement received Of Revenue Expenditure

(9,714) -

-

8 Allianz Insurance Management Asia Pacific Pte. Ltd.

Group Company

(1,694)

176

Reimbursement received of Revenue ExpenditurePaid towards the Revenue expenditure

1,604

-

(314)

-

Reimbursement received of Revenue ExpenditurePaid towards the Revenue expenditure

1,452

-

9 Allianz SE Reinsurance Branch Asia Pacific.

Group Company

167,404 26,144

(4,882) 52,878

Reinsurance PremiumReinsurance CommissionReinsurance profit CommissionReinsurance Claims

(51,867)7,544

- 16,823

118,081 22,471

- 42,282

Reinsurance PremiumReinsurance CommissionReinsurance profit CommissionReinsurance Claims

(62,970) 11,757

- 17,679

10 Hind Musafir Agency Ltd.

Group Company

(698) 743

Commission on Travel ExpensesCharges for Domestic Services

(1,962) -

(542) 579

Commission on Travel ExpensesCharges for Domestic Services

(810)-

11 IDS GmbH Group Company

2,913 Remuneration for IDS services (499) 2,514 Remuneration for IDS services -

12 Allianz MENA Holding Co.SPC

Group Company

- Reimbursement received of Revenue Expenditure

- (2,100) Reimbursement received of Revenue Expenditure

-

13 Allianz Investment Management Singapore Pte.Ltd.

Group Company

38,000 Data Provision Charges (8,550) 38,886 Data Provision Charges (8,749)

63


Sr. No.

Related Party Relationship Current Year Previous Year

Total value of Transactions during the year Payment /(receipts)

Nature of Transaction Balance Outstanding


(Payable)

Amount Nature of Transaction Balance Outstanding


(Payable)

14 Kamesh Goyal Key Manage-ment Personnel

37,726 Remuneration - 16,701 Remuneration -

15 V.Philip Key Manage-ment Personnel

1,885 Remuneration - - Remuneration -

16 Bajaj Electricals Ltd.

Group Company

975 Paid towards the Revenue and Capital expenditure

- 2,230 Paid towards the Revenue and Capital expenditure

387

17 Sanjay Asher Director 120 Director Sitting Fees - - Director Sitting Fees -

18 Manu Tandon Director 80 Director Sitting Fees - - Director Sitting Fees -

19 Suraj Mehta Director 60 Director Sitting Fees - - Director Sitting Fees -

20 S. H. Khan Director 160 Director Sitting Fees - - Director Sitting Fees -

64


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OF F

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Ass

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(

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1

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2

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65

Annual Report 2010-2011Bajaj Allianz Life Insurance Company Ltd. I Appendix II Refer Schedule 16 Note 24 Form A-RA (UL)

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Cur

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9

2

9

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4 Le

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2

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9

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)

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Unre

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8

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70,

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8

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9,65

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Fund

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5

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Tota

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0

20,

356

1,05

9

38,

404

2

8,89

8

2,2

60

Net I

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e/(L

oss)

for t

he Y

ear (

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5

4,40

4

55,

321

3

2,58

4

67,

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4,48

2

41,

251

7

2,74

5

8

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Ad

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beg

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year

15

5,52

0

164,

707

22

1,71

0

526

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37,

736

29

1,42

4

428

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46,

347

Fund

Rev

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Acc

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year

20

9,92

4

220,

028

25

4,29

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594

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42,

218

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2,67

5

501

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55,

271

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utio

n

F -1

797,

651

48

1,97

3

566,

790

3

50,5

29

8,97

9

147,

372

4

21,0

79

3

2,11

3 R

even

ue A

ccou

nt

20

9,92

4

220,

028

25

4,29

4

594

,330

42,

218

33

2,67

5

501

,191

55

,271

To

tal

1,0

07,5

75

70

2,00

1

821,

084

9

44,8

59

5

1,19

7

480,

047

9

22,2

70

87,3

84

APP

LICA

TION

OF F

UNDS

In

vest

men

ts

F -2

933,

730

67

6,06

0

811,

114

9

65,0

88

4

9,75

6

462,

200

8

81,1

64

85

,965

C

urre

nt A

sset

s F

-3

7

4,11

4

26,

009

1

0,02

5

6

,304

2,

110

1

8,05

0

41,

417

3,

380

Less

: Cur

rent

Liab

ilitie

s and

Pro

visio

ns

F -4

2

69

6

8

55

2

6,53

3

6

69

203

311

1

,961

N

et C

urre

nt A

sset

s

73,

845

2

5,94

1

9,

970

(

20,2

29)

1,44

1

17,

847

4

1,10

6

1,41

9 To

tal

1,0

07,5

75

70

2,00

1

821,

084

9

44,8

59

5

1,19

7

480,

047

9

22,2

70

8

7,38

4 (a

) Net

Ass

et a

s per

Bal

ance

Shee

t (Rs

. In

thou

sand

s)

1,00

7,57

570

2,00

182

1,08

494

4,85

951

,197

480,

047

922,

270

87,3

84 (b

) Num

ber o

f Uni

ts O

utst

andi

ng (i

n th

ousa

nds)

78,

006

4

7,59

2

54,

845

5

7,25

7

3,

085

3

3,06

5

57,

193

5

,265

N

et A

sset

Val

ue p

er u

nit (

a)/(

b) (R

s.)

12.

9166

1

4.75

03

14.

9710

1

6.50

21

16.

5931

1

4.51

79

16.

1257

1

6.59

66

(Am

ount

in R

s. '0

00)

stFu

nd R

even

ue A

ccou

nt fo

r the

yea

r end

ed 3

1 M

arch

201

1Fo

rm A

-RA

(UL)

Appe

ndix

II R

efer

Sch

edul

e 16

Not

e 24

(Am

ount

in R

s. '0

00)

stFu

nd B

alan

ce S

heet

as a

t 31

Mar

ch 2

011

Form

A-B

S (U

L)Ap

pend

ix II

Ref

er S

ched

ule

16 N

ote

24

67


Part

icul

ars

Sch

edul

e E

quity

Fu

nd

Equ

ity

Gain

Fu

nd

Equ

ity

Grow

th

Fund

Equ

ity

Grow

th

Fund

II

Equ

ity

Grow

th

Pens

ion

Fund

Equ

ity

Inde

x Fu

nd

Equ

ity

Inde

x Fu

nd -

II

Equ

ity

Inde

x Pe

nsio

n Fu

nd

INCO

ME

FROM

INVE

STM

ENTS

Inte

rest

Inco

me

99

10

,354

9

3,84

5

2,30

1

2

,402

58

1

,573

5

Di

vide

nd In

com

e

5

5,75

5

119

,888

1

,076

,235

2

4,58

3

4

5,91

5

30,

026

1

,053

,228

2

,150

M

iscel

lane

ous I

ncom

e

947

72,

843

833,

787

31,

150

44,

707

5

30

36,

286

13

Prof

it/(L

oss)

exc

ludi

ng in

ter s

chem

e

(19

,145

)

1,37

1,40

1

1

2,28

3,93

3

17

6,76

1

466

,821

(15,

505)

1

,059

,614

(

483)

Prof

it/(L

oss)

on

inte

r fun

d tr

ansf

er/s

ale

of in

vest

men

t

496

,601

369

,046

912

,753

5

6,55

9

236

,553

21

0,34

0

6

51,3

32

23,2

39

Unre

alise

d Ga

in/(

Loss

)

(19

,361

)

(718

,729

)

(3

,370

,700

)

9

7,82

0

(111

,392

)

50,

059

7

,029

,158

(5,

291)

Tota

l Inc

ome

(A)

5

14,8

96

1,

224,

803

11,

829,

853

389,

174

6

85,0

06

2

75,5

08

9,8

31,1

91

19,6

33

EXPE

NSES

Fund

Adm

inist

ratio

n Ex

pens

es

5

1,72

2

113

,273

-

-

-

-

-

-

Fund

Man

agem

ent E

xpen

ses

41,

378

13

5,92

7

1,4

64,2

42

33,

277

55,

235

2

2,32

3

1,0

53,7

10

1,6

11

Othe

r cha

rges

F -5

5

0,82

3

115,

050

3

,053

,409

144

,587

4

2,29

2

3

5,94

1

4,6

33,3

36

1,3

89

Expr

opria

tion/

Apro

pria

tion

Char

ges

(1,7

57)

(

6,95

6)

(1

1,21

9)

(

7,09

2)

(1

,881

)

(8

97)

(45

,764

)

(715

)To

tal E

xpen

ses (

B)

142

,166

3

57,2

94

4,5

06,4

32

1

70,7

72

95,

646

5

7,36

7

5,6

41,2

82

2,2

85

Net I

ncom

e/(L

oss)

for t

he Y

ear (

A-B)

3

72,7

30

8

67,5

09

7,3

23,4

21

2

18,4

02

5

89,3

60

2

18,1

41

4,1

89,9

09

17,3

48

Add:

Rev

enue

Acc

ount

at t

he b

egin

ning

of t

he ye

ar

2,39

5,01

4 3

,588

,523

8

,664

,082

8,11

8

768

,881

1,02

5,79

9

7,0

80,9

47

1

03,6

84

Fund

Rev

enue

Acc

ount

at t

he e

nd o

f the

year

2,

767,

744

4,

456,

032

15,

987,

503

226,

520

1,

358,

241

1,

243,

940

11,

270,

856

1

21,0

32

Part

icul

ars

Sch

edul

e E

quity

Fu

nd

Equ

ity

Gain

Fu

nd

Equ

ity

Grow

th

Fund

Equ

ity

Grow

th

Fund

II

Equ

ity

Grow

th

Pens

ion

Fund

Equ

ity

Inde

x Fu

nd

Equ

ity

Inde

x Fu

nd -

II

Equ

ity

Inde

x Pe

nsio

n Fu

nd

SOU

RCES

OF F

UNDS

P

olic

y Hol

der's

Fund

s: P

olic

y Hol

ders

Con

trib

utio

n

F -1

303

,092

3,

509,

605

68,

067,

574

3

,213

,663

2

,924

,080

373

,388

8

2,58

9,35

3

(25,

121)

Rev

enue

Acc

ount

2,76

7,74

4

4,45

6,03

2

1

5,98

7,50

3

22

6,52

0

1,35

8,24

1 1

,243

,940

1

1,27

0,85

6

121

,032

To

tal

3,

070,

836

7,9

65,6

37

84,0

55,0

77

3,4

40,1

83

4,2

82,3

21

1,6

17,3

28

93,

860,

209

95,

911

APP

LICA

TION

OF F

UNDS

In

vest

men

ts

F -2

3

,074

,580

8,0

29,0

92

83,

612,

968

3

,346

,507

4

,253

,004

1,61

7,41

3

9

3,44

3,45

5

9

4,78

0 C

urre

nt A

sset

s F

-3

5,0

04

17

1,35

7

1,1

36,2

14

93,

813

29,

490

4,57

9

6

71,1

33

1,1

36

Less

: Cur

rent

Liab

ilitie

s and

Pro

visio

ns

F -4

8

,748

234

,812

694

,105

137

173

4,6

64

2

54,3

79

5

Net

Cur

rent

Ass

ets

(3,7

44)

(

63,4

55)

442,

109

93,

676

29,

317

(85)

416

,754

1

,131

To

tal

3,

070,

836

7,9

65,6

37

84,0

55,0

77

3,4

40,1

83

4,2

82,3

21

1,

617,

328

93,

860,

209

95,

911

(a) N

et A

sset

as p

er B

alan

ce Sh

eet (

Rs. I

n th

ousa

nds)

3,

070,

836

7,96

5,63

784

,055

,077

3,44

0,18

34,

282,

321

1,61

7,32

893

,860

,209

95,9

11 (b

) Num

ber o

f Uni

ts O

utst

andi

ng (i

n th

ousa

nds)

116

,263

221

,027

4

,963

,971

278

,505

233

,218

46,3

82

5,0

10,2

26

3,1

07

Net

Ass

et V

alue

per

uni

t (a)

/(b)

(Rs.

)

26.

4128

36.

0391

16.

9330

12.

3523

18.

3619

34.

8696

18.

7337

30.

8706

68


(Am

ount

in R

s. '0

00)

stFu

nd R

even

ue A

ccou

nt fo

r the

yea

r end

ed 3

1 M

arch

201

1Fo

rm A

-RA

(UL)

Appe

ndix

II R

efer

Sch

edul

e 16

Not

e 24

(Am

ount

in R

s. '0

00)

stFu

nd B

alan

ce S

heet

as a

t 31

Mar

ch 2

011

Form

A-B

S (U

L)Ap

pend

ix II

Ref

er S

ched

ule

16 N

ote

24

Part

icul

ars

Sch

edul

e E

quity

Inde

x Pe

nsio

n Fu

nd -

II

Equ

ity

Mid

cap

Fund

Equ

ity

Mid

cap

Pens

ion

Fund

Equ

ity M

idca

p Pl

us Fu

nd

Equ

ity P

lus

Fund

Equ

ity P

lus

Pens

ion

Fund

Gro

up A

sset

Al

loca

tion

Fund

Gro

up

Debt

Fu

nd

INCO

ME

FROM

INVE

STM

ENTS

Inte

rest

Inco

me

1

51

8

02

62

1,1

53

7,

827

289

7

,781

31

,785

Di

vide

nd In

com

e

8

6,25

9

2

2,66

8

2,0

83

3

2,99

3

1

62,3

63

1

0,07

4

147

-

M

iscel

lane

ous I

ncom

e

2

,454

1

4,11

6

1,3

11

1

8,91

8

1

13,9

03

7,47

8

3

,308

10

,595

Pr

ofit/

(Los

s) e

xclu

ding

inte

r sch

eme

14,

335

1

65,9

70

12,

968

1

98,2

09

1,7

57,2

52

9

5,11

3

931

1

,596

Pr

ofit/

(Los

s) o

n in

ter f

und

tran

sfer

/sal

e of

inve

stm

ent

1

47,2

87

3

22,9

87

32,

910

5

02,4

81

1

03,7

19

8

2,53

9

(18

,747

)

2

0,81

9 Un

real

ised

Gain

/(Lo

ss)

5

80,4

97

(42

4,87

0)(3

6,31

0)

(547

,889

)

(677

,565

)

(55,

322)

45,

330

(9,1

53)

Tota

l Inc

ome

(A)

8

30,9

83

1

01,6

73

13,

024

2

05,8

65

1,

467,

499

14

0,17

1

3

8,75

0

5

5,64

2 EX

PENS

ESFu

nd A

dmin

istra

tion

Expe

nses

-

18,2

07

-

-

-

-

-

-

Fu

nd M

anag

emen

t Exp

ense

s

8

6,69

3

2

1,84

8

1,9

90

3

1,48

0

1

85,6

57

1

2,20

0

3

,331

5

,272

Ot

her c

harg

es F

-5

91,

190

17,

866

814

2

0,16

7

1

55,6

70

5,55

8

1

5,82

5

670

Ex

prop

riatio

n/Ap

ropr

iatio

n Ch

arge

s

(

4,22

1)

(1

,368

)

(12

2)

(1

,755

)

(10

,004

)

(5,

215)

(3,6

04)

(

20)

Tota

l Exp

ense

s (B)

1

73,6

62

56,

553

2

,682

49,

892

331

,323

12,

543

15,

552

5,9

22

Net I

ncom

e/(L

oss)

for t

he Y

ear (

A-B)

6

57,3

21

45,

120

10,

342

1

55,9

73

1,

136,

176

12

7,62

8

2

3,19

8

4

9,72

0 Ad

d: R

even

ue A

ccou

nt a

t the

beg

inni

ng o

f the

year

8

11,1

09

8

89,2

92

1

32,0

60

1,9

16,2

31

6,0

40,2

38

57

8,95

8

(454

)

192

,909

Fu

nd R

even

ue A

ccou

nt a

t the

end

of t

he ye

ar

1,46

8,43

0

934

,412

142

,402

2

,072

,204

7,17

6,41

4

706,

586

22,

744

2

42,6

29

Part

icul

ars

Sch

edul

e E

quity

Inde

x Pe

nsio

n Fu

nd -

II

Equ

ity

Mid

cap

Fund

Equ

ity

Mid

cap

Pens

ion

Fund

Equ

ity

Mid

cap

Plus

Fund

Equ

ity

Plus

Fu

nd

Equ

ity P

lus

Pens

ion

Fund

Gro

up A

sset

Al

loca

tion

Fund

Gro

up

Debt

Fu

nd

SOU

RCES

OF F

UNDS

P

olic

y Hol

der's

Fund

s: P

olic

y Hol

ders

Con

trib

utio

n

F -1

6

,279

,520

278

,490

(32,

906)

(2

96,2

71)

3,8

77,1

33

(

4,81

1)

1,39

0,25

4

622

,318

R

even

ue A

ccou

nt

1,

468,

430

9

34,4

12

1

42,4

02

2,0

72,2

04

7,

176,

414

70

6,58

6

2

2,74

4

242

,629

To

tal

7,

747,

950

1,

212,

902

109

,496

1

,775

,933

1

1,05

3,54

7

701,

775

1,

412,

998

8

64,9

47

APP

LICA

TION

OF F

UNDS

In

vest

men

ts

F -2

7

,679

,705

1

,207

,561

109

,440

1

,767

,037

1

0,64

1,35

2

697,

651

1,

099,

854

7

55,7

69

Cur

rent

Ass

ets

F -3

6

8,53

7

1

1,05

1

88

9

17,

179

741

,907

4,

156

3

13,1

86

1

09,2

87

Less

: Cur

rent

Liab

ilitie

s and

Pro

visio

ns

F -4

292

5

,710

83

3

8

,283

329

,712

32

42

1

09

Net

Cur

rent

Ass

ets

68,

245

5,3

41

56

8,8

96

4

12,1

95

4,12

4

313

,144

109

,178

To

tal

7,

747,

950

1,

212,

902

109

,496

1

,775

,933

701,

775

1,

412,

998

8

64,9

47

(a) N

et A

sset

as p

er B

alan

ce Sh

eet (

Rs. I

n th

ousa

nds)

7,

747,

950

1,21

2,90

210

9,49

61,

775,

933

11,0

53,5

4770

1,77

51,

412,

998

864,

947

(b) N

umbe

r of U

nits

Out

stan

ding

(in

thou

sand

s)

4

22,1

95

40,

650

2

,613

47,

276

289

,703

17,

970

1

14,5

70

64,6

32

Net

Ass

et V

alue

per

uni

t (a)

/(b)

(Rs.

)

18.

3516

29.

8374

41.

9058

3

7.56

50

3

8.15

47

39.

0536

12.

3330

13.

3827

(Am

ount

in R

s. '0

00)

stFu

nd R

even

ue A

ccou

nt fo

r the

yea

r end

ed 3

1 M

arch

201

1Fo

rm A

-RA

(UL)

Appe

ndix

II R

efer

Sch

edul

e 16

Not

e 24

(Am

ount

in R

s. '0

00)

stFu

nd B

alan

ce S

heet

as a

t 31

Mar

ch 2

011

Form

A-B

S (U

L)Ap

pend

ix II

Ref

er S

ched

ule

16 N

ote

24

69


Part

icul

ars

Sch

edul

e G

roup

Eq

uity

Inde

x Fu

nd

Gro

up

Grow

th

Fund

- I

Gro

up

Liqu

id

Fund

Gro

up

Shor

t Ter

m

Debt

Fund

Gro

wth

Plu

s Fu

nd I

Gro

wth

Plu

s Fu

nd II

Gro

wth

Pl

us

Fund

III

Life

Long

Ga

in Fu

nd

INCO

ME

FROM

INVE

STM

ENTS

Inte

rest

Inco

me

5

3

8,17

5

6,

062

5

2,76

9

1

8,25

0

60

7

900

12,

745

Divi

dend

Inco

me

2,8

62

-

-

-

-

-

-

-

Misc

ella

neou

s Inc

ome

1

51

3,39

4

6,

881

9,51

2

1

,593

35

3

182

1

,640

Pr

ofit/

(Los

s) e

xclu

ding

inte

r sch

eme

3

29

(8

)

2

04

(

1,21

2)

(497

)

6

2

(129

)

(1

,276

)Pr

ofit/

(Los

s) o

n in

ter f

und

tran

sfer

/sal

e of

inve

stm

ent

(15

5)

(15,

694)

2

(2,

393)

(2

66)

(

178)

(1

94)

56

4 Un

real

ised

Gain

/(Lo

ss)

33,5

61

1

0,14

9

-

1

1,15

9

(2

,622

)

(

8,95

0)

2

,907

(2,

050)

Tota

l Inc

ome

(A)

36,7

53

3

6,01

6

13,

149

6

9,83

5

1

6,45

8

(

8,10

6)

3

,666

11,

623

EXPE

NSES

Fund

Adm

inist

ratio

n Ex

pens

es

-

-

-

-

-

-

-

2

,370

Fu

nd M

anag

emen

t Exp

ense

s

5

,930

-

1,15

3

6,

585

3,2

61

665

2

03

1,8

96

Othe

r cha

rges

F -5

24

,724

-

204

9

36

5,9

58

1,

428

4

35

1,2

47

Expr

opria

tion/

Apro

pria

tion

Char

ges

(2,9

36)

5

3

11

(11

)

(2

)

(

6)

(6

)

1

Tota

l Exp

ense

s (B)

27,7

18

5

3

1,

368

7,51

0

9

,217

2,08

7

632

5

,514

Ne

t Inc

ome/

(Los

s) fo

r the

Yea

r (A-

B)

9

,035

35,

963

1

1,78

1

62,

325

7,2

41

(

10,1

93)

3,0

34

6,1

09

Add:

Rev

enue

Acc

ount

at t

he b

egin

ning

of t

he ye

ar

(6

,807

)

18,

172

2

6,44

5

28,

394

(2

62)

-

-

4

1,00

9 Fu

nd R

even

ue A

ccou

nt a

t the

end

of t

he ye

ar

2

,228

54,

135

3

8,22

6

90,

719

6,9

79

(

10,1

93)

3,0

34

4

7,11

8

Part

icul

ars

Sch

edul

e G

roup

Eq

uity

Inde

x Fu

nd

Gro

up

Grow

th

Fund

- I

Gro

up

Liqu

id

Fund

Gro

up

Shor

t Ter

m

Debt

Fund

Gro

wth

Pl

us

Fund

I

Gro

wth

Pl

us

Fund

II

Gro

wth

Pl

us

Fund

III

Life

Long

Ga

in Fu

nd

SOU

RCES

OF F

UNDS

P

olic

y Hol

der's

Fund

s: P

olic

y Hol

ders

Con

trib

utio

n

F -1

1

,588

,654

(54,

081)

17

9,63

9

679,

867

2

21,3

43

73,

105

47,

527

1

57,6

82

Rev

enue

Acc

ount

2

,228

54,

135

3

8,22

6

90,

719

6,9

79

(

10,1

93)

3,0

34

4

7,11

8 To

tal

1,5

90,8

82

5

4

217,

865

77

0,58

6

228

,322

6

2,91

2

5

0,56

1

204

,800

A

PPLI

CATI

ON O

F FUN

DS

Inve

stm

ents

F

-2

1,3

43,6

59

-

198,

322

74

8,01

3

221

,048

6

2,94

0

5

0,33

4

200

,684

C

urre

nt A

sset

s F

-3

2

47,2

84

5

4

19,

548

2

2,59

5

7

,283

6

229

4

,149

Le

ss : C

urre

nt Li

abili

ties a

nd P

rovi

sions

F

-4

6

1

-

5

22

9

34

2

3

3 N

et C

urre

nt A

sset

s

247

,223

54

1

9,54

3

22,

573

7,2

74

(

28)

2

27

4,1

16

Tota

l

1

,590

,882

54

21

7,86

5

770,

586

2

28,3

22

62,

912

50,

561

2

04,8

00

(a) N

et A

sset

as p

er B

alan

ce Sh

eet (

Rs. I

n th

ousa

nds)

1,

590,

882

5421

7,86

577

0,58

622

8,32

262

,912

50,5

6120

4,80

0 (b

) Num

ber o

f Uni

ts O

utst

andi

ng (i

n th

ousa

nds)

144

,137

-

1

7,34

7

65,

855

21,

453

7

,121

4

,705

15,

498

Net

Ass

et V

alue

per

uni

t (a)

/(b)

(Rs.

)

11.0

373

-

1

2.55

95

11.

7012

10.

6429

8

.835

1

10.

7473

1

3.21

45

70


(Am

ount

in R

s. '0

00)

stFu

nd R

even

ue A

ccou

nt fo

r the

yea

r end

ed 3

1 M

arch

201

1Fo

rm A

-RA

(UL)

Appe

ndix

II R

efer

Sch

edul

e 16

Not

e 24

(Am

ount

in R

s. '0

00)

stFu

nd B

alan

ce S

heet

as a

t 31

Mar

ch 2

011

Form

A-B

S (U

L)Ap

pend

ix II

Ref

er S

ched

ule

16 N

ote

24

Part

icul

ars

Sch

edul

e Li

quid

Fu

nd

Liqu

id

Pens

ion

Fund

Max

Ga

in

Fund

I

Max

Ga

in

Fund

II

Pre

mie

r Ba

lanc

ed

Fund

Pre

mie

r Bo

nd

Fund

Pre

mie

r D

ebt

Fund

Pre

mie

r Eq

uity

Fu

nd

INCO

ME

FROM

INVE

STM

ENTS

Inte

rest

Inco

me

41

,427

6,49

8

586

381

-

23,

197

6

,278

15

Di

vide

nd In

com

e

-

-

19,2

08

-

-

-

-

5,4

91

Misc

ella

neou

s Inc

ome

93

,221

8,25

0

116,

786

1

2,47

9

-

8

,256

3,27

5

4

3 Pr

ofit/

(Los

s) e

xclu

ding

inte

r sch

eme

1

,519

8

2

8,9

67

46

2

-

2

,818

(172

)

(3,

176)

Prof

it/(L

oss)

on

inte

r fun

d tr

ansf

er/s

ale

of in

vest

men

t

1

63

9

5,1

29

4

4

-

(10

0)

75

7

4

0,64

1 Un

real

ised

Gain

/(Lo

ss)

-

-

2

88,4

73

-

-

(5,

925)

(1,

712)

8

,014

To

tal I

ncom

e (A

)

1

36,3

30

14,

839

439

,149

13,

366

-

28,

246

8

,426

51

,028

EX

PENS

ESFu

nd A

dmin

istra

tion

Expe

nses

-

-

9,4

71

45

8

-

-

-

-

Fund

Man

agem

ent E

xpen

ses

16

,633

1,74

5

47,3

55

2,2

90

-

1

0,39

4

2,6

08

9,1

48

Othe

r cha

rges

F -5

162

,538

1,28

0

395,

436

1

4,00

0

-

5,11

6

2,0

80

6,8

51

Expr

opria

tion/

Apro

pria

tion

Char

ges

112

1

4

(10,

233)

(1,8

09)

-

3

-

(

179)

Tota

l Exp

ense

s (B)

179

,283

3,03

9

442

,029

14,

939

-

15,

513

4

,688

15

,820

Ne

t Inc

ome/

(Los

s) fo

r the

Yea

r (A-

B)

(42,

953)

11

,800

(2,8

80)

(1,5

73)

-

12,7

33

3,

738

35,

208

Add:

Rev

enue

Acc

ount

at t

he b

egin

ning

of t

he ye

ar(1

24,1

90)

9

,138

(132

,042

)

-

-

4

9,50

4

4

0,62

8

192

,780

Fu

nd R

even

ue A

ccou

nt a

t the

end

of t

he ye

ar (

167,

143)

20

,938

(13

4,92

2)

(1

,573

) -

6

2,23

7

4

4,36

6

227

,988

Part

icul

ars

Sch

edul

e Li

quid

Fu

nd

Liqu

id

Pens

ion

Fund

Max

Ga

in

Fund

I

Max

Ga

in

Fund

II

Pre

mie

r Ba

lanc

ed

Fund

Pre

mie

r Bo

nd

Fund

Pre

mie

r De

bt

Fund

Pre

mie

r Eq

uity

Fu

nd

SOU

RCES

OF F

UNDS

P

olic

y Hol

der's

Fund

s: P

olic

y Hol

ders

Con

trib

utio

n

F -1

2

,280

,791

228

,342

6

,220

,681

592

,281

53,

389

326

,266

4

9,33

6

11

0,07

0 R

even

ue A

ccou

nt

(16

7,14

3)

20,9

38

(134

,922

)

(1

,573

)

-

6

2,23

7

4

4,36

6

227

,988

To

tal

2,1

13,6

48

2

49,2

80

6,0

85,7

59

5

90,7

08

5

3,38

9

3

88,5

03

93,

702

338,

058

APP

LICA

TION

OF F

UNDS

In

vest

men

ts

F -2

2

,083

,658

245

,909

5,9

07,2

04

5

55,9

65

5

3,38

9

3

82,0

37

93,

005

338,

232

Cur

rent

Ass

ets

F -3

3

0,05

3

3,3

80

178,

823

3

4,76

8

-

6,

537

750

677

Less

: Cur

rent

Liab

ilitie

s and

Pro

visio

ns

F -4

6

3

9

2

68

2

5

-

71

53

851

Net

Cur

rent

Ass

ets

29

,990

3,37

1 1

78,5

55

3

4,74

3

-

6,4

66

697

(1

74)

Tota

l 2

,113

,648

249

,280

6,0

85,7

59

5

90,7

08

5

3,38

9

3

88,5

03

93,

702

3

38,0

58

(a) N

et A

sset

as p

er B

alan

ce Sh

eet (

Rs. I

n th

ousa

nds)

2,

113,

648

249,

280

6,08

5,75

959

0,70

853

,389

388,

503

93,7

0233

8,05

8 (b

) Num

ber o

f Uni

ts O

utst

andi

ng (i

n th

ousa

nds)

1

43,3

42

16,

817

53

9,09

0

56,

223

3

,260

2

8,20

1

6,4

26

17,4

27

Net

Ass

et V

alue

per

uni

t (a)

/(b)

(Rs.

)

14

.745

5

14

.823

4

1

1.28

90

10.

5066

16.3

751

1

3.77

63

1

4.58

16

1

9.39

84

71


stFu

nd R

even

ue A

ccou

nt fo

r the

yea

r end

ed 3

1 M

arch

201

1Fo

rm A

-RA

(UL)

Appe

ndix

II R

efer

Sch

edul

e 16

Not

e 24

(Am

ount

in R

s. '0

00)

(Am

ount

in R

s. '0

00)

stFu

nd B

alan

ce S

heet

as a

t 31

Mar

ch 2

011

Form

A-B

S (U

L)Ap

pend

ix II

Ref

er S

ched

ule

16 N

ote

24

Part

icul

ars

Sch

edul

e P

rem

ier

Equi

ty G

ain

Fund

Pre

mie

r Eq

uity

Gr

owth

Fund

Pre

mie

r Eq

uity

Inde

x Fu

nd

Pur

e Eq

uity

Fu

nd

Pur

e St

ock

Fund

Pur

e St

ock

Pens

ion

Fund

Sec

ure

Fund

S

hiel

d Pl

us

Fund

I IN

COM

E FR

OM IN

VEST

MEN

TSIn

tere

st In

com

e

3

13

1,0

52

38

-

-

-

46

,398

199,

685

Divi

dend

Inco

me

8,10

7

2

4,69

2

1

9,65

7

2

1,41

1

57,

854

1,7

66

1,1

39

755

M

iscel

lane

ous I

ncom

e

6,

203

19,

709

3

63

10,

192

4

9,44

5

-

7

,651

25,

274

Prof

it/(L

oss)

exc

ludi

ng in

ter s

chem

e

86,

276

3

10,4

59

(

10,4

71)

1

28,9

13

4

41,2

85

7,4

76

1,5

68

3,58

3 Pr

ofit/

(Los

s) o

n in

ter f

und

tran

sfer

/sal

e of

inve

stm

ent

7

0,74

5

340

,116

7

0,55

6

152

,552

232

,441

43

2

2,13

0

12,

218

Unre

alise

d Ga

in/(

Loss

)

(59,

941)

(3

22,4

86)

1

00,9

69

(21

7,07

5)

(429

,666

)

4

,161

(1

,862

)

7,

389

Tota

l Inc

ome

(A)

11

1,70

3

373

,542

181

,112

9

5,99

3

351

,359

1

3,44

6

7

7,02

4

248,

904

EXPE

NSES

Fund

Adm

inist

ratio

n Ex

pens

es

-

-

-

-

-

-

-

-

Fund

Man

agem

ent E

xpen

ses

1

5,00

9

5

7,28

2

4

1,07

0

1

5,32

6

55,

303

2,2

81

9,0

37

3

8,93

8 Ot

her c

harg

es F

-5

1

1,15

5

3

4,46

6

2

3,85

3

5

3,08

1

262

,167

2

,440

1

,023

73,

678

Expr

opria

tion/

Apro

pria

tion

Char

ges

(415

)

(781

)

(215

)

(598

)

(3

,104

)

(386

)

(237

)

5

00

Tota

l Exp

ense

s (B)

2

5,74

9

9

0,96

7

6

4,70

8

6

7,80

9

314

,366

4

,335

9

,823

113,

116

Net I

ncom

e/(L

oss)

for t

he Y

ear (

A-B)

8

5,95

4

282

,575

116

,404

2

8,18

4

36,

993

9,1

11

67,

201

13

5,78

8 Ad

d: R

even

ue A

ccou

nt a

t the

beg

inni

ng o

f the

year

32

7,27

8

240

,341

165

,238

307

,701

497

,825

1

6,13

1

9

3,33

8

(1,

649)

Fund

Rev

enue

Acc

ount

at t

he e

nd o

f the

year

41

3,23

2

522

,916

281

,642

335

,885

534

,818

2

5,24

2

160

,539

134,

139

Part

icul

ars

Sch

edul

e P

rem

ier

Equi

ty G

ain

Fund

Pre

mie

r Eq

uity

Gr

owth

Fund

Pre

mie

r Eq

uity

Inde

x Fu

nd

Pur

e Eq

uity

Fu

nd

Pur

e St

ock

Fund

Pur

e St

ock

Pens

ion

Fund

Sec

ure

Fund

S

hiel

d Pl

us

Fund

I S

OURC

ES O

F FUN

DS

Pol

icy H

olde

r's Fu

nds:

Pol

icy H

olde

rs C

ontr

ibut

ion

F

-1

18

7,05

0

1,38

4,88

1

1,14

5,64

4

590

,852

4

,002

,034

185

,933

964

,041

2

,758

,309

R

even

ue A

ccou

nt

41

3,23

2

522

,916

281

,642

335

,885

534

,818

2

5,24

2

160

,539

134,

139

Tota

l

600,

282

1,

907,

797

1,

427,

286

9

26,7

37

4,5

36,8

52

2

11,1

75

1,1

24,5

80

2,8

92,4

48

APP

LICA

TION

OF F

UNDS

In

vest

men

ts

F -2

602,

929

1,

915,

028

1,

431,

287

1,

051,

155

4,4

50,9

80

1

77,9

88

1,0

30,3

64

2,8

50,0

70

Cur

rent

Ass

ets

F -3

-

-

2

64

67,

097

1

11,0

17

33,

196

94,

255

4

5,95

0 Le

ss : C

urre

nt Li

abili

ties a

nd P

rovi

sions

F

-4

2,64

7

7

,231

4

,265

191

,515

25,

145

9

39

3,57

2 N

et C

urre

nt A

sset

s

(2,

647)

(7,2

31)

(4,0

01)

(1

24,4

18)

8

5,87

2

3

3,18

7

9

4,21

6

42,

378

Tota

l

600,

282

1,

907,

797

1,

427,

286

9

26,7

37

4,5

36,8

52

2

11,1

75

1,1

24,5

80

2,8

92,4

48

(a) N

et A

sset

as p

er B

alan

ce Sh

eet (

Rs. I

n th

ousa

nds)

60

0,28

21,

907,

797

1,42

7,28

692

6,73

74,

536,

852

211,

175

1,12

4,58

02,

892,

448

(b) N

umbe

r of U

nits

Out

stan

ding

(in

thou

sand

s)

2

7,84

9

113

,344

8

2,42

2

3

9,45

3

206

,720

1

1,68

0

6

2,47

7

268,

447

Net

Ass

et V

alue

per

uni

t (a)

/(b)

(Rs.

)

2

1.55

46

1

6.83

19

1

7.31

69

2

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r the

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5 Ad

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nt a

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beg

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f the

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182

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4

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7 Fu

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t the

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Rev

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vest

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9

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Le

ss : C

urre

nt Li

abili

ties a

nd P

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sions

F

-4

3

93

4

3

162

4,89

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6 N

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1

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2

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28,8

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05

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er B

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2,86

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4,81

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109,

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1

54,7

09

Net

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uni

t (a)

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)

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5775

1

0.34

18

1

8.53

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73


(Am

ount

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o Fu

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173

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3

2,34

5,65

9

1,81

5,22

8

-

1,3

67,3

33

8

67,6

83

Add

: Add

ition

dur

ing

the

year

2,6

56,7

65

1,

694,

146

8

29,5

69

6

15

11,

834,

327

1,

015,

853

92

,027

8

9,55

5

123

,443

Le

ss : D

educ

tion

durin

g th

e ye

ar

2

,705

,316

139

,324

330

,356

1

,741

4,29

9,89

2

189

,321

1

2,16

9

350

,910

253

,378

C

losi

ng B

alan

ce

6

,507

,536

1,72

8,39

5

958

,761

(1

,799

)

3

9,88

0,09

4

2,64

1,76

0

79,

858

1,

105,

978

7

37,7

48

Par

ticul

ars

Bal

ance

d Pl

us

Pens

ion

Fund

B

lue

Chip

Eq

uity

Fu

nd

Bon

d Fu

nd

Bon

d Pe

nsio

n Fu

nd

Cap

ital

Guar

ante

e Fu

nd- 2

012

Cap

ital

Guar

ante

e Fu

nd- 2

014

Cap

ital

Guar

ante

e Fu

nd- 2

017

Cap

ital

Shie

ld-I

Cap

ital

Shie

ld-II

Ope

ning

Bal

ance

9

6,37

9

-

5,1

59,2

29

83

4,64

6

101,

024

7

,371

4

4,21

0

8

01,2

70

4

83,0

61

Add

: Add

ition

dur

ing

the

year

2

0,29

2

1,

097,

550

5,5

24,4

66

1,5

91,9

68

149

7

28

131

24

87

Le

ss : D

educ

tion

durin

g th

e ye

ar

34,

522

5

6,63

4

3

,324

,076

850,

422

3

9,59

0

3,6

56

19,

110

3

,643

1

,175

C

losi

ng B

alan

ce

82,

149

1,0

40,9

16

7,3

59,6

19

1,5

76,1

92

6

1,58

3

4,4

43

25,

231

79

7,65

1

481

,973

Par

ticul

ars

Cas

h Fu

nd

Cas

h Pl

us

Fund

Cas

h Pl

us

Pens

ion

Fund

Deb

t Fu

nd

Deb

t Pl

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Deb

t Plu

s Pe

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nd

Equ

ity

Fund

E

quity

Ga

in

Fund

Equ

ity

Grow

th

Fund

O

peni

ng B

alan

ce

788

,587

594

,385

3

5,32

4

249

,184

445

,050

6

5,13

0

1,38

5,14

0

6

,513

,051

72,

315,

610

Add

: Add

ition

dur

ing

the

year

1

56,1

30

6

48,5

55

73,

537

1

81,2

66

7

94,7

38

1

44,5

40

2

46,4

41

5

38,8

02

1

3,18

4,89

6 Le

ss : D

educ

tion

durin

g th

e ye

ar

377

,927

892

,411

9

9,88

2

283

,078

818

,709

177

,557

1,32

8,48

9

3

,542

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17,

432,

932

Clo

sing

Bal

ance

5

66,7

90

3

50,5

29

8

,979

147

,372

421

,079

3

2,11

3

303

,092

3,50

9,60

5

68

,067

,574

74


(Am

ount

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s. '0

00)

(Am

ount

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00)

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ount

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stAs

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1,53

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9

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6

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20,7

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7

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A

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28

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4

8,99

9

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29,2

99

1

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23

51,

117

227

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Le

ss : D

educ

tion

durin

g th

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349

,462

1,26

2,70

5

8

37,7

43

13

,095

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9

4,90

3

1,9

35,0

21

5

99,9

92

102,

413

922

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C

losi

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alan

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3,2

13,6

63

2,92

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3

73,3

88

8

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3

(25

,121

)

6,2

79,5

20

2

78,4

90

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(

296,

271)

Par

ticul

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ity

Plus

Fu

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Gro

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peni

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8,

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218

327

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6,5

75

839,

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95,

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50

1,81

1

1

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97

63

3,77

8

248

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313,

850

145

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1,42

5,19

2

6

25,5

93

1,

531,

722

-

83,3

39

7

9,67

7

11,

026

Less

: Ded

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n du

ring

the

year

5,53

2,93

5

4

77,6

17

41,

513

842

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3

8,95

3

555,

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24

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33,

588

3

8,53

4 C

losi

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3,

877,

133

(4,8

11)

1

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62

2,31

8

1,58

8,65

4

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179

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679

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22

1,34

3

Par

ticul

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1,49

3,10

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4,90

1 A

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79

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5

1,15

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146

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1,68

5,03

5

327

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2,72

1,18

1

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8

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25

4,74

1 Le

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6

,508

3

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136

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211

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8

2,63

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7,19

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23

3,37

6 C

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alan

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7

3,10

5

4

7,52

7

157

,682

2,28

0,79

1

228

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6,22

0,68

1

592

,281

53

,389

32

6,26

6

75


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Par

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Pre

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In

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ning

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ance

40,6

63

220,

838

402

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1,90

7,19

9

1,3

56,3

97

804,

549

3,

081,

081

8

5,86

9

5

27,9

93

Add

: Add

ition

dur

ing

the

year

82,8

27

25,

781

27

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4

6,62

5

1

28,3

86

77,

509

1,

757,

074

15

2,56

3

5

59,4

21

Less

: Ded

uctio

n du

ring

the

year

74,1

54

136,

549

242

,873

568

,943

33

9,13

9

2

91,2

06

8

36,1

21

5

2,49

9

1

23,3

73

Clo

sing

Bal

ance

49,

336

110

,070

18

7,05

0

1,38

4,88

1

1,14

5,64

4

5

90,8

52

4,

002,

034

1

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33

964,

041

Par

ticul

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Shi

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Plus

Fu

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Shi

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Plus

Fu

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Shi

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Plus

Fu

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I

Sta

ble

Fund

To

tal

Ope

ning

Bal

ance

2,79

4,28

2

-

-

1

,842

,257

2

41,8

41,0

67

Add

: Add

ition

dur

ing

the

year

171

,240

82

8,95

9

1

,212

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783,

371

95,

309,

242

Less

: Ded

uctio

n du

ring

the

year

207

,213

5

8,50

7

91,

520

15

1,86

5

69,

147,

626

Clo

sing

Bal

ance

2,75

8,30

9

7

70,4

52

1,1

20,5

21

2,4

73,7

63

268

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76


(Am

ount

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ix II

Ref

er S

ched

ule

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ote

24

(Am

ount

in R

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stAs

at 3

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even

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Par

ticul

ars

Pur

e St

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Fund

P

ure

Stoc

k Pe

nsio

n Fu

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Sec

ure

Fund

S

hiel

d Pl

us

Fund

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hiel

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us

Fund

II

Shi

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tabl

e Fu

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Tota

l

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ured

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rest

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30

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Ban

k Ba

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7

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1,12

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Div

iden

d Re

ceiv

able

3

,908

2

74

-

366

81

-

6

41

99

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Rec

eiva

bles

for S

ale

of In

vest

men

ts

6

4,28

7

-

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-

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4,

424,

206

Mar

gin

Rece

ivab

le

6,3

18

-

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-

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5

97,8

95

App

ropr

iatio

n / E

xpro

pria

tion

(ASS

ETS)

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627

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531

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105

2,

863

7

55,5

93

App

licat

ion

Mon

ey

-

-

-

-

-

-

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100

,000

Tota

l

111

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33,

196

94,2

55

4

5,95

0

15

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103,

968

5

2,00

4 9,

386,

180

87


(Am

ount

in R

s. '0

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stAs

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ount

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stAs

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ount

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stAs

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HEDU

LE F4

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RREN

T LI

ABIL

ITIE

SAp

pend

ix II

Ref

er S

ched

ule

16 N

ote

24

Par

ticul

ars

Acc

Mid

Cap

Fu

nd

Acc

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Cap

Fu

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A

cc M

id C

ap

Pens

ion

Fund

A

ccel

erat

ed

Fund

A

sset

Al

loca

tion

Fund

Ass

et

Allo

catio

n Pe

nsio

n Fu

nd

Ass

ured

Re

turn

Fund

Bal

ance

d Fu

nd B

alan

ced

Plus

Fu

nd B

alan

ced

Plus

Pe

nsio

n Fu

nd

Pay

able

for p

urch

ase

of In

vest

men

ts

4

51,1

01

2

,091

1,6

01

-

2,5

86,0

40

3

2,68

4

-

-

-

-

O

ther

Cur

rent

Liab

ilitie

s:

511

65

47

1

1

,558

1

12

2

-

-

-

Ban

k Ba

lanc

es

-

-

1,7

84

-

-

-

-

-

-

-

A

ppro

pria

tion

/ Exp

ropr

iatio

n (L

iabi

lity)

-

-

3

,814

-

-

-

-

-

-

-

Tota

l

451

,612

2,1

56

7

,246

1

2,58

7,59

8

32,

796

2

-

-

-

Par

ticul

ars

Blu

e Ch

ip

Equi

ty Fu

nd

Bon

d Fu

nd

Bond

Pen

sion

Fu

nd

Cap

ital

Guar

ante

e Fu

nd- 2

012

Cap

ital

Guar

ante

e Fu

nd- 2

014

Cap

ital

Guar

ante

e Fu

nd- 2

017

Cap

ital S

hiel

d- I Cap

ital S

hiel

d- II C

ash

Fund

C

ash

Plus

Fu

nd

Pay

able

for p

urch

ase

of In

vest

men

ts

-

-

-

-

-

-

-

-

-

-

O

ther

Cur

rent

Liab

ilitie

s:

36

850

250

3

-

1

84

6

8

55

23

Ban

k Ba

lanc

es

-

-

-

569

-

-

85

-

-

2

6,51

0 A

ppro

pria

tion

/ Exp

ropr

iatio

n (L

iabi

lity)

-

-

171

83

-

-

100

-

-

-

Tota

l

36

850

421

6

55

-

1

269

6

8

55

26,

533

Par

ticul

ars

Cas

h Pl

us

Pens

ion

Fund

D

ebt F

und

Deb

t Plu

s Fu

nd

Deb

t Plu

s Pe

nsio

n Fu

nd

Equ

ity Fu

nd

Equ

ity G

ain

Fund

Equ

ity G

row

th

Fund

Equ

ity G

row

th

Fund

II E

quity

Gro

wth

Pe

nsio

n Fu

nd

Equ

ity In

dex

Fund

Pay

able

for p

urch

ase

of In

vest

men

ts

-

-

-

-

-

20

8,21

5

6

89,6

84

-

-

-

Oth

er C

urre

nt Li

abili

ties:

1

203

31

1

25

257

66

3

4,4

21

137

17

3

64

Ban

k Ba

lanc

es

668

-

-

1,9

24

-

-

-

-

-

-

App

ropr

iatio

n / E

xpro

pria

tion

(Lia

bilit

y)

-

-

-

12

8

,491

25,

934

-

-

-

4

,600

To

tal

669

203

31

1

1,9

61

8

,748

234,

812

694

,105

1

37

173

4

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(Am

ount

in R

s. '0

00)

stAs

at 3

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arch

201

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les t

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even

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ntSC

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LE F4

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RREN

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pend

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ched

ule

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ote

24

(Am

ount

in R

s. '0

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stAs

at 3

1 M

arch

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even

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HEDU

LE F4

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RREN

T LI

ABIL

ITIE

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pend

ix II

Ref

er S

ched

ule

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ote

24

(Am

ount

in R

s. '0

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stAs

at 3

1 M

arch

201

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les t

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even

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LE F4

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RREN

T LI

ABIL

ITIE

SAp

pend

ix II

Ref

er S

ched

ule

16 N

ote

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88


Par

ticul

ars

Equ

ity In

dex

Fund

- II

Equ

ity In

dex

Pens

ion

Fund

E

quity

Inde

x Pe

nsio

n Fu

nd - II

Equ

ity M

idca

p Fu

nd E

quity

Mid

cap

Pens

ion

Fund

Equ

ity M

idca

p Pl

us Fu

nd

Equ

ity P

lus

Fund

E

quity

Plu

s Pe

nsio

n Fu

nd

Gro

up A

sset

Al

loca

tion

Fund

Gro

up D

ebt

Fund

Pay

able

for p

urch

ase

of In

vest

men

ts

250

,824

-

-

1,6

60

152

2,4

22

29

3,24

4

-

-

-

O

ther

Cur

rent

Liab

ilitie

s:

3,5

55

5

2

92

101

5

8

1

502

32

42

1

09

Ban

k Ba

lanc

es

-

-

-

-

3

18

-

-

-

-

-

A

ppro

pria

tion

/ Exp

ropr

iatio

n (L

iabi

lity)

-

-

-

3

,949

3

58

5

,780

35,

966

-

-

-

Tota

l

2

54,3

79

5

2

92

5

,710

8

33

8

,283

329,

712

32

42

1

09

Par

ticul

ars

Gro

up E

quity

In

dex

Fund

Gro

up G

row

th

Fund

- I

Gro

up Li

quid

Fu

nd

Gro

up S

hort

Te

rm D

ebt

Fund

Gro

wth

Plu

s Fu

nd I

Gro

wth

Plu

s Fu

nd II

G

row

th P

lus

Fund

III Li

fe Lo

ng G

ain

Fund

Li

quid

Fund

Li

quid

Pe

nsio

n Fu

nd

Pay

able

for p

urch

ase

of In

vest

men

ts

-

-

-

-

-

-

-

-

-

-

O

ther

Cur

rent

Liab

ilitie

s:

61

-

5

22

9

2

2

1

3

63

7

B

ank

Bala

nces

-

-

-

-

-

3

2

-

-

-

-

App

ropr

iatio

n / E

xpro

pria

tion

(Lia

bilit

y)

-

-

-

-

-

-

-

20

-

2

Tota

l

61

-

5

22

9

3

4

2

3

3

63

9

Par

ticul

ars

Max

Gai

n Fu

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Max

Gai

n Fu

nd II

P

rem

ier

Bala

nced

Fund

Pre

mie

r Bon

d Fu

nd P

rem

ier D

ebt

Fund

P

rem

ier

Equi

ty Fu

nd

Pre

mie

r Eq

uity

Gai

n Fu

nd

Pre

mie

r Eq

uity

Gro

wth

Fu

nd

Pre

mie

r Eq

uity

Inde

x Fu

nd

Pur

e Eq

uity

Fu

nd

Pay

able

for p

urch

ase

of In

vest

men

ts

-

-

-

-

-

-

-

-

-

18

8,45

8 O

ther

Cur

rent

Liab

ilitie

s:

268

25

-

3

2

8

25

41

1

59

1

19

42

B

ank

Bala

nces

-

-

-

-

33

-

6

47

8

47

9

25

-

A

ppro

pria

tion

/ Exp

ropr

iatio

n (L

iabi

lity)

-

-

-

3

9

12

826

1

,959

6

,225

3

,221

3,0

15

Tota

l

268

25

-

7

1

53

851

2

,647

7

,231

4

,265

1

91,5

15

stAs

at 3

1 M

arch

201

1Sc

hedu

les t

o Fu

nd R

even

ue A

ccou

ntSC

HEDU

LE F4

: CU

RREN

T LI

ABIL

ITIE

SAp

pend

ix II

Ref

er S

ched

ule

16 N

ote

24

89


Par

ticul

ars

Pur

e St

ock

Fund

P

ure

Stoc

k Pe

nsio

n Fu

nd

Sec

ure

Fund

S

hiel

d Pl

us

Fund

I S

hiel

d Pl

us

Fund

II

Shi

eld

Plus

Fu

nd II

I S

tabl

e Fu

nd

Tota

l

Pay

able

for p

urch

ase

of In

vest

men

ts

2

4,96

2

-

-

-

-

-

-

4,7

33,1

38

Oth

er C

urre

nt Li

abili

ties:

183

9

39

118

32

4

3

16

2

16,1

34

Ban

k Ba

lanc

es

-

-

-

3,16

4

2

82

-

-

37

,788

A

ppro

pria

tion

/ Exp

ropr

iatio

n (L

iabi

lity)

-

-

-

2

90

79

-

-

1

04,9

46

Tota

l

25,

145

9

3

9

3,

572

393

43

162

4,8

92,0

06

90


(Am

ount

in R

s. '0

00)

stAs

at 3

1 M

arch

201

1Sc

hedu

les t

o Fu

nd R

even

ue A

ccou

ntSC

HEDU

LE F5

: OT

HER

EXPE

NSES

Appe

ndix

II R

efer

Sch

edul

e 16

Not

e 24

(Am

ount

in R

s. '0

00)

stAs

at 3

1 M

arch

201

1Sc

hedu

les t

o Fu

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even

ue A

ccou

ntSC

HEDU

LE F5

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HER

EXPE

NSES

Appe

ndix

II R

efer

Sch

edul

e 16

Not

e 24

Par

ticul

ars

Acc

Mid

Cap

Fu

nd

Acc

Mid

Cap

Fu

nd II

A

cc M

id C

ap

Pens

ion

Fund

A

ccel

erat

ed

Fund

A

sset

Al

loca

tion

Fund

Ass

et

Allo

catio

n Pe

nsio

n Fu

nd

Ass

ured

Re

turn

Fund

Bal

ance

d Fu

nd B

alan

ced

Plus

Fu

nd B

alan

ced

Plus

Pe

nsio

n Fu

nd

Pol

icy A

dmin

istra

tion

Char

ge

1

67,1

47

47,

850

7

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-

1

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3

1,01

8

-

-

-

-

Sur

rend

er C

harg

e

-

-

-

-

-

-

-

-

-

-

Sw

itchi

ng C

harg

e

78

-

11

-

11

-

-

-

-

-

Mor

talit

y Cha

rge

79,4

88

18,

225

891

-

462

,736

4

,105

760

-

-

-

Rid

er P

rem

ium

Cha

rge

14,7

81

580

88

-

67

,891

236

34

-

-

-

Par

tial W

ithdr

awal

Cha

rge

-

-

-

-

-

-

-

-

-

-

Misc

ella

neou

s Cha

rge

-

-

-

-

-

-

-

-

-

-

Ser

vice

Tax

Expe

nses

32

,166

8,4

96

3

,061

3

4

1

96,6

87

7,0

03

87

-

-

-

Tota

l

293

,660

7

5,15

1

11,

988

34

2

,635

,746

4

2,36

2

881

-

-

-

Par

ticul

ars

Blu

e Ch

ip

Equi

ty Fu

nd

Bon

d Fu

nd

Bond

Pen

sion

Fu

nd

Cap

ital

Guar

ante

e Fu

nd- 2

012

Cap

ital

Guar

ante

e Fu

nd- 2

014

Cap

ital

Guar

ante

e Fu

nd- 2

017

Cap

ital S

hiel

d- I Cap

ital S

hiel

d- II C

ash

Fund

C

ash

Plus

Fu

nd

Pol

icy A

dmin

istra

tion

Char

ge

4,8

40

178

,283

5,6

95

1

,492

93

6

67

-

-

-

2,

740

Sur

rend

er C

harg

e

-

-

-

-

-

-

-

-

-

-

Sw

itchi

ng C

harg

e

-

2

66

40

-

-

-

-

-

46

205

Mor

talit

y Cha

rge

1,7

55

7

8,84

8

6

20

1

,339

1

06

4

82

-

-

1

0,08

8

5,

470

Rid

er P

rem

ium

Cha

rge

8

5

18,

223

38

-

-

-

-

-

3,

155

750

Par

tial W

ithdr

awal

Cha

rge

-

-

-

-

-

-

-

-

-

-

Misc

ella

neou

s Cha

rge

-

-

-

-

-

-

-

-

-

-

Ser

vice

Tax

Expe

nses

466

23,

944

2

,602

3

07

23

123

2,7

92

2,3

19

3,45

1

2,

126

Tota

l

7

,146

2

99,5

64

8

,995

3,1

38

222

1

,272

2,7

92

2,3

19

1

6,74

0

11,

291

91


(Am

ount

in R

s. '0

00)

stAs

at 3

1 M

arch

201

1Sc

hedu

les t

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even

ue A

ccou

ntSC

HEDU

LE F5

: OT

HER

EXPE

NSES

Appe

ndix

II R

efer

Sch

edul

e 16

Not

e 24

(Am

ount

in R

s. '0

00)

stAs

at 3

1 M

arch

201

1Sc

hedu

les t

o Fu

nd R

even

ue A

ccou

ntSC

HEDU

LE F5

: OT

HER

EXPE

NSES

Appe

ndix

II R

efer

Sch

edul

e 16

Not

e 24

Par

ticul

ars

Cas

h Pl

us

Pens

ion

Fund

D

ebt F

und

Deb

t Plu

s Fu

nd

Deb

t Plu

s Pe

nsio

n Fu

nd

Equ

ity Fu

nd

Equ

ity G

ain

Fund

Equ

ity G

row

th

Fund

Equ

ity G

row

th

Fund

II E

quity

Gro

wth

Pe

nsio

n Fu

nd

Equ

ity In

dex

Fund

Pol

icy A

dmin

istra

tion

Char

ge

249

1

5,9

58

4

96

3

-

1

,739

,498

9

3,32

7

3

2,29

6

1

3,53

5

Sur

rend

er C

harg

e

-

-

-

-

-

-

-

-

-

-

Sw

itchi

ng C

harg

e

77

124

286

348

90

75

7

1

-

9

20

7

Mor

talit

y Cha

rge

7

7

10,

143

9,6

06

1

84

2

9,52

4

6

8,12

4

863

,824

3

2,61

9

1

,800

1

4,81

0

Rid

er P

rem

ium

Cha

rge

1

3

2,

095

1,2

76

4

3

7

,858

1

3,02

8

143

,496

780

101

2,3

45

Par

tial W

ithdr

awal

Cha

rge

-

-

-

-

-

-

-

-

-

-

Misc

ella

neou

s Cha

rge

-

-

-

-

-

-

-

-

-

-

Ser

vice

Tax

Expe

nses

1

00

3,54

8

2

,850

218

13,

348

33,

823

3

06,5

20

17,

861

8,0

86

5

,044

Tota

l

5

16

1

5,91

1

19

,976

1

,289

50,

823

115

,050

3

,053

,409

144

,587

4

2,29

2

3

5,94

1

Par

ticul

ars

Equ

ity In

dex

Fund

- II

Equ

ity In

dex

Pens

ion

Fund

E

quity

Inde

x Pe

nsio

n Fu

nd - II

Equ

ity M

idca

p Fu

nd E

quity

Mid

cap

Pens

ion

Fund

Equ

ity M

idca

p Pl

us Fu

nd

Equ

ity P

lus

Fund

E

quity

Plu

s Pe

nsio

n Fu

nd

Gro

up A

sset

Al

loca

tion

Fund

Gro

up D

ebt

Fund

Pol

icy A

dmin

istra

tion

Char

ge

3

,019

,002

656

70

,345

-

4

24

5,6

98

46,

209

2,9

48

2,30

7

-

Sur

rend

er C

harg

e

-

-

-

-

-

-

-

-

-

-

Sw

itchi

ng C

harg

e

21

3

180

48

2

9

75

1

47

4

07

4

18

-

-

Mor

talit

y Cha

rge

1

,086

,479

211

5

,275

9,

869

6

6

7

,880

6

8,80

9

568

11,

397

-

Rid

er P

rem

ium

Cha

rge

170

,413

78

322

2,

588

1

6

1

,993

1

1,45

8

168

76

-

Par

tial W

ithdr

awal

Cha

rge

-

-

-

-

-

-

-

-

-

-

Misc

ella

neou

s Cha

rge

-

-

-

-

-

-

-

-

-

-

Ser

vice

Tax

Expe

nses

3

57,2

29

2

64

15,2

00

5,38

0

233

4

,449

2

8,78

7

1

,456

2,

045

6

70

Tota

l

4,6

33,3

36

1,3

89

91,1

90

1

7,86

6

814

20

,167

155

,670

5

,558

15,

825

6

70

92


(Am

ount

in R

s. '0

00)

stAs

at 3

1 M

arch

201

1Sc

hedu

les t

o Fu

nd R

even

ue A

ccou

ntSC

HEDU

LE F5

: OT

HER

EXPE

NSES

Appe

ndix

II R

efer

Sch

edul

e 16

Not

e 24

(Am

ount

in R

s. '0

00)

stAs

at 3

1 M

arch

201

1Sc

hedu

les t

o Fu

nd R

even

ue A

ccou

ntSC

HEDU

LE F5

: OT

HER

EXPE

NSES

Appe

ndix

II R

efer

Sch

edul

e 16

Not

e 24

Par

ticul

ars

Gro

up E

quity

In

dex

Fund

Gro

up G

row

th

Fund

- I

Gro

up Li

quid

Fu

nd

Gro

up S

hort

Te

rm D

ebt

Fund

Gro

wth

Plu

s Fu

nd I

Gro

wth

Plu

s Fu

nd II

G

row

th P

lus

Fund

III Li

fe Lo

ng G

ain

Fund

Li

quid

Fund

Liq

uid

Pens

ion

Fund

Pol

icy A

dmin

istra

tion

Char

ge

3

,865

-

-

-

4

,708

1,

142

3

40

-

8

9,70

8

8

56

Sur

rend

er C

harg

e

-

-

-

-

-

-

-

-

-

-

Sw

itchi

ng C

harg

e

-

-

-

-

-

-

-

-

6

1

15

Mor

talit

y Cha

rge

1

6,12

5

-

-

-

710

179

65

728

4

4,22

5

53

Rid

er P

rem

ium

Cha

rge

483

-

-

-

-

-

2

-

12,

259

5

Par

tial W

ithdr

awal

Cha

rge

-

-

-

-

-

-

-

-

-

-

Misc

ella

neou

s Cha

rge

-

-

-

-

-

-

-

-

-

-

Ser

vice

Tax

Expe

nses

4,2

51

-

2

04

936

54

0

1

07

2

8

5

19

16,

285

351

Tota

l

24,

724

-

2

04

936

5,9

58

1,42

8

435

1,2

47

162

,538

1,

280

Par

ticul

ars

Max

Gai

n Fu

nd I

Max

Gai

n Fu

nd II

P

rem

ier

Bala

nced

Fund

Pre

mie

r Bon

d Fu

nd P

rem

ier D

ebt

Fund

P

rem

ier

Equi

ty Fu

nd

Pre

mie

r Eq

uity

Gai

n Fu

nd

Pre

mie

r Eq

uity

Gro

wth

Fu

nd

Pre

mie

r Eq

uity

Inde

x Fu

nd

Pur

e Eq

uity

Fu

nd

Pol

icy A

dmin

istra

tion

Char

ge

294

,144

-

-

2

,189

1

,220

3

,961

6

,591

16,

024

10,

949

32,6

60

Sur

rend

er C

harg

e

-

-

-

-

-

-

-

-

-

-

Sw

itchi

ng C

harg

e

-

-

-

3

3

6

2

4

5

29

1

Mor

talit

y Cha

rge

75

,638

12

,481

-

1

,610

505

1

,675

2

,582

11,

014

7

,615

15

,087

Rid

er P

rem

ium

Cha

rge

1

,249

-

-

-

-

-

-

-

-

1,1

93

Par

tial W

ithdr

awal

Cha

rge

-

-

-

-

-

-

-

-

-

-

Misc

ella

neou

s Cha

rge

-

-

-

-

-

-

-

-

-

-

Ser

vice

Tax

Expe

nses

24,4

05

1,5

19

-

1,2

84

3

49

1,2

13

1,9

78

7,42

3

5,2

60

4,1

40

Tota

l

3

95,4

36

14,0

00

-

5,1

16

2,0

80

6,8

51

11,1

55

3

4,46

6

2

3,85

3

53

,081

93


(Am

ount

in R

s. '0

00)

stAs

at 3

1 M

arch

201

1Sc

hedu

les t

o Fu

nd R

even

ue A

ccou

ntSC

HEDU

LE F5

: OT

HER

EXPE

NSES

Appe

ndix

II R

efer

Sch

edul

e 16

Not

e 24

Par

ticul

ars

Pur

e St

ock

Fund

P

ure

Stoc

k Pe

nsio

n Fu

nd

Sec

ure

Fund

S

hiel

d Pl

us

Fund

I S

hiel

d Pl

us

Fund

II

Shi

eld

Plus

Fu

nd II

I S

tabl

e Fu

nd

Tota

l

Pol

icy A

dmin

istra

tion

Char

ge

1

72,3

76

1,

497

-

56,

511

12,

762

7,

253

-

8

,107

,891

Sur

rend

er C

harg

e

-

-

-

-

-

-

-

-

Sw

itchi

ng C

harg

e

11

2

-

-

-

-

-

3,63

0

Mor

talit

y Cha

rge

63,5

52

1

82

-

10,

587

1,

755

1,

502

-

3

,154

,048

Rid

er P

rem

ium

Cha

rge

6,9

72

30

-

-

-

29

-

486

,230

Par

tial W

ithdr

awal

Cha

rge

-

-

-

-

-

-

-

-

Misc

ella

neou

s Cha

rge

-

-

-

-

-

-

-

-

Ser

vice

Tax

Expe

nses

19

,256

729

1

,023

6,5

80

1,

350

6

26

3,7

92

1,19

6,94

6

Tota

l

262

,167

2,44

0

1

,023

7

3,67

8

1

5,86

7

9,41

0

3

,792

12,

948,

745

94


(Am

ount

in R

s. '0

00)

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edul

eAc

c Mid

Acc

Acc M

idAc

cele

rate

dAs

set

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tBa

lanc

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lanc

edCa

p Fu

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id C

apCa

p Pe

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loca

tion

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catio

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nd -

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ndFu

ndPe

nsio

n Fu

ndFu

nd

Part

icul

ars

(Am

ount

in R

s. '0

00)

Part

icul

ars

INCO

ME

FROM

INVE

STM

ENTS

EXPE

NSES

Inte

rest

Inco

me

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dend

Inco

me

Misc

ella

neou

s Inc

ome

Prof

it/(L

oss)

exc

ludi

ng in

ter s

chem

ePr

ofit/

(Los

s) o

n in

ter f

und

tran

sfer

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e of

inve

stm

ent

Unre

alise

d Ga

in/(

Loss

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tal I

ncom

e (A

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inist

ratio

n Ex

pens

esFu

nd M

anag

emen

t Exp

ense

sOt

her c

harg

esF -

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prop

riatio

n/Ap

ropr

iatio

n Ch

arge

s (In

com

e/Ex

pend

iture

)To

tal E

xpen

ses (

B)Ne

t Inc

ome/

(Los

s) fo

r the

Yea

r (A-

B)Ad

d: R

even

ue A

ccou

nt a

t the

beg

inni

ng o

f the

year

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enue

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ount

at t

he e

nd o

f the

year

SOUR

CES

OF FU

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APPL

ICAT

ION

OF FU

NDS

Polic

y Hol

ders

' Fun

ds:

Polic

y Hol

ders

' Con

trib

utio

nF -

1Re

venu

e Ac

coun

t To

tal

Inve

stm

ents

F -2

Curr

ent A

sset

sF -

3Le

ss : C

urre

nt Li

abili

ties a

nd P

rovi

sions

F -4

Net C

urre

nt A

sset

s To

tal

(a)N

et A

sset

s as p

er B

alan

ce S

heet

(Rs.

in th

ousa

nds)

(b

)Num

ber o

f Uni

ts O

utst

andi

ng (i

n th

ousa

nds)

Ne

t Ass

et V

alue

per

uni

t (a)

/(b)

(Rs.

)

- -

- 87

2 94

0,88

5 52

,489

-

- 85

,746

80

4,

895

112

146,

890

6,25

0 -

- 27

,777

10

0 2,

434

210

217,

509

15,7

94

- -

1,20

4,00

8 73

61

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1,

537

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0 87

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6,87

5 (5

3)52

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3,

135

1,05

2,93

8 44

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-

- 2,

567,

582

6,09

0 15

9,98

7 3,

866

2,26

1,18

5 10

8,29

1 -

- 4

,861

,988

6

,290

2

80,4

93

9,7

32

7,0

58,2

87

314

,516

-

-

-

-

-

-

-

-

-

-

120,

660

157

6,31

5 27

6 31

8,94

0 16

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-

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9,10

6 9,

350

7,46

5 28

2,

927,

987

51,6

06

- -

30,2

97

(430

)(2

,006

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7)(1

06,7

17)

(6,4

21)

- -

430

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9

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1

1,77

4 2

77

3,1

40,2

10

61,

661

-

-

4,4

31,9

25

(2,7

87)

268

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9

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3

,918

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2

52,8

55

-

-

(1,6

28,9

64)

0 (7

8,28

3)14

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(2

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)(4

4,43

0) -

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2

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(2

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) 1

90,4

36

23,

485

944

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2

08,4

25

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-

6,55

6,08

7 1

73,5

73

459

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(6

73)

32,

345,

659

1,8

15,2

28

1,3

67,3

33

867

,683

2,

802,

961

(2,7

87)

190

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2

3,48

5 9

44,7

90

208

,425

-

-

9

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1

70,7

86

649

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2

2,81

2 3

3,29

0,44

9 2

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1

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8

67,6

83

9,36

3,06

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25

618

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2

2,03

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1,89

3,32

7 1

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1

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8

67,6

74

218,

739

40,

008

40,

616

807

1

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7

6,72

6 7

1 9

22

2,75

7 1

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8

,720

2

5 3

6,95

7 2

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-

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(4

,018

) 3

8,56

1 3

1,89

6 7

82

1,3

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74,

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9

9,35

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649

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2

2,81

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3,29

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9 2

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1

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8

67,6

83

9,35

9,04

8 1

70,7

86

649

,984

2

2,81

2 3

3,29

0,44

9 2

,023

,653

1

,367

,333

8

67,6

83

470,

948

15,

819

31,

257

1,0

53

2,6

89,2

72

172

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7

6,24

8 4

1,43

2 19

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8 1

0.79

65

20.

7948

2

1.66

40

12.

3790

1

1.71

89

17.

9326

2

0.94

23

stFu

nd B

alan

ce S

heet

as a

t 31

Mar

ch 2

010

Form

A-B

S (U

L)Ap

pend

ix II

Ref

er S

ched

ule

16 N

ote

24

stFu

nd R

even

ue A

ccou

nt fo

r the

yea

r end

ed 3

1 M

arch

201

0Fo

rm A

-RA

(UL)

Appe

ndix

II R

efer

Sch

edul

e 16

Not

e 24

Sch

edul

eAc

c Mid

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Acc M

idAc

cele

rate

dAs

set

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tBa

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edBa

lanc

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p Fu

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id C

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p Pe

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loca

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catio

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usFu

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n Fu

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95


(Am

ount

in R

s. '0

00)

INCO

ME

FROM

INVE

STM

ENTS

EXPE

NSES

Inte

rest

Inco

me

Divi

dend

Inco

me

Misc

ella

neou

s Inc

ome

Prof

it/(L

oss)

exc

ludi

ng in

ter s

chem

ePr

ofit/

(Los

s) o

n in

ter f

und

tran

sfer

/sal

e of

inve

stm

ent

Unre

alise

d Ga

in/(

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)To

tal I

ncom

e (A

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Fund

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inist

ratio

n Ex

pens

esFu

nd M

anag

emen

t Exp

ense

sOt

her c

harg

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prop

riatio

n/Ap

ropr

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n Ch

arge

s (In

com

e/Ex

pend

iture

)To

tal E

xpen

ses (

B)Ne

t Inc

ome/

(Los

s) fo

r the

Yea

r (A-

B)Ad

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ccou

nt a

t the

beg

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year

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enue

Acc

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nd o

f the

year

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9,87

6 42

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7,

489

539

1,91

9 67

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1

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0 -

0 0

292

23

258

2,55

3 -

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38,5

02

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4 (5

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3 32

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9)(3

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6

9,55

3 1

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20

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nd R

even

ue A

ccou

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r the

yea

r end

ed 3

1 M

arch

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rm A

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(UL)

Appe

ndix

II R

efer

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edul

e 16

Not

e 24

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edul

eBa

lanc

edBo

ndBo

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pita

lCa

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lCa

pita

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us P

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ion

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ante

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aran

tee

Guar

ante

eSh

ield

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ldFu

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012

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Fund

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(Am

ount

in R

s. '0

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edul

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017

Fund

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I

SOUR

CES

OF FU

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APPL

ICAT

ION

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y Hol

ders

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ds:

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t To

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ss : C

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sions

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tal

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et A

sset

s as p

er B

alan

ce S

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6

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0,48

4 9

04,1

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118

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56,7

90

647

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4,84

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2 6

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6 9

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6

67

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63

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294

47,

668

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3738

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1

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18

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nd B

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nd o

f the

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7131

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3

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9

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2 1

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-

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1

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55

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429

4,82

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184

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1

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4

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6 2

56,1

20

2,1

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44

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756)

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) 1

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05)

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(113

) (1

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(16)

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43,6

8221

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1

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4

8,37

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75,1

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449

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55,8

4594

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6

8,88

7 1

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43

15,

276

2,2

11,9

71

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2616

5,86

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1,80

4 3

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22,5

37

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1,07

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46,

347

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23

stFu

nd R

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07,9

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298

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175

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1

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119

Annual Report 2010-2011Bajaj Allianz Life Insurance Company Ltd. I Appendix III Refer Schedule 16 Note 24

Disclosure for Unit Linked Business as per Unit Linked Disclosure Norms:

I. Investment Management

i) Activities outsourced: Nilii) Fees paid for various activities charged to Policyholders' account: Refer Enclosure “B”.iii) Basis of Payment of Fees: Refer Enclosure “B”.

II. Related party transactions

i) During the year details of payments and receipts made to/from related parties are as follows (Previous year: NIL);

(Rs in ‘000)

ii) Company wise details of investments held in the promoter group along with its percentage to funds under management: As on 31st March 11 no investments is held in the promoter group (Previous year NIL)

III. Industry wise Disclosure of Investment : Refer Enclosure “C”.

IV. Unclaimed redemption of Units : As on 31st March 11 there is no unclaimed redemption of units.

V. Highest, Lowest and Closing NAV at the end of the year : Refer Enclosure “D”. VI. Expenses Charged to Fund (percentage basis):

i) Annualized expense ratio to average daily assets of the Fund: Refer Enclosure “E”

VII. Ratio of Gross income to average daily net assets : Refer Enclosure “F”

VIII.There are no doubtful debts on assets as on 31st March 11.

IX. Disclosure of appreciation and/or depreciation in value of investments : Refer Enclosure “G”

Performance of Fund: Refer Enclosure “A”

Appendix III Refer Schedule 16 Note 24

Schedules forming part of financial statements for year ended 31st March 2011

Name of Related Party Issuer/Counterparty/Broker Type of transaction Amount

Bajaj Holding and Investments Ltd. Counterparty Sale 106,065

Bajaj Auto Ltd. Counterparty Sale 694,157

Bajaj Auto Finance Limited Issuer Purchase 100,000

120


Enclosure A : Performance of Fund (Absolute Growth %)Appendix III Refer Schedule 16 Note 24

Fund Names Date of Inception

Current Year 2010-11 (%)

2009-10 (%) 2008-09 (%) Since Inception (%)

Acc Mid Cap Fund 24-Jul-06 6.69 124.22 (41.27) 112.03 Acc Mid Cap Fund II 6-Jan-10 8.37 7.97 - 17.01 Acc Mid Cap Pension Fund 24-Jul-06 5.70 134.12 (41.49) 119.80 Accelerated Fund 18-Nov-04 15.44 52.37 (2.42) 150.09 Asset Allocation Fund 28-Sep-07 8.20 34.67 (8.12) 33.94 Asset Allocation Pension Fund 28-Jan-08 7.04 32.45 (8.37) 25.44 Assured Return Fund 27-Jan-11 1.84 - - 1.84 Balanced Fund 15-Jan-04 8.11 33.39 (15.64) 93.87 Balanced Plus Fund 23-Jul-04 9.41 34.28 (12.56) 129.14 Balanced Plus Pension Fund 18-Nov-04 9.81 33.93 (11.93) 118.61 Blue Chip Equity Fund 26-Oct-10 (5.22) - - (5.22)Bond Fund 10-Jul-06 6.66 9.06 13.22 50.26 Bond Pension Fund 24-Jul-06 6.78 8.93 14.26 53.49 Capital Guarantee Fund- 2012 11-Jan-07 5.51 18.24 (0.89) 35.88 Capital Guarantee Fund- 2014 11-Jan-07 7.06 19.46 (3.64) 36.31 Capital Guarantee Fund- 2017 11-Jan-07 9.74 29.00 (10.56) 43.46 Capital Shield-I 24-Nov-08 5.70 16.84 4.59 29.17 Capital Shield-II 24-Nov-08 8.55 30.69 3.98 47.50 Cash Fund 15-Jan-04 5.56 6.70 9.12 49.71 Cash Plus Fund 23-Jul-04 7.12 8.57 10.73 65.02 Cash Plus Pension Fund 18-Nov-04 7.62 9.26 10.77 65.93 Debt Fund 15-Jan-04 5.98 6.78 11.45 45.18 Debt Plus Fund 23-Jul-04 7.45 9.19 13.99 61.26 Debt Plus Pension Fund 18-Nov-04 7.65 9.83 13.26 65.97 Equity Fund 15-Jan-04 9.73 70.20 (36.44) 164.13 Equity Gain Fund 23-Jul-04 10.20 70.45 (30.48) 260.39 Equity Growth Fund 24-Jul-06 12.72 69.47 (34.55) 69.33 Equity Growth Fund II 6-Jan-10 16.38 6.14 - 23.52 Equity Growth Pension Fund 24-Jul-06 16.46 80.56 (34.41) 83.62 Equity Index Fund 23-Jul-04 11.11 72.53 (35.57) 248.70 Equity Index Fund - II 24-Jul-06 10.78 72.41 (35.59) 87.34 Equity Index Pension Fund 18-Nov-04 11.79 72.78 (35.62) 208.71 Equity Index Pension Fund - II 24-Jul-06 10.80 72.32 (35.64) 83.52 Equity Midcap Fund 9-Mar-05 2.06 100.11 (31.01) 198.37 Equity Midcap Pension Fund 9-Mar-05 6.96 132.89 (29.05) 319.06 Equity Midcap Plus Fund 9-Mar-05 6.18 128.82 (30.89) 275.65 Equity Plus Fund 23-Jul-04 10.19 73.30 (29.76) 281.55 Equity Plus Pension Fund 18-Nov-04 16.70 84.61 (27.68) 290.54 Group Asset Allocation Fund 26-Feb-10 20.02 2.76 - 23.33 Group Debt Fund 26-Mar-08 7.92 10.14 12.59 33.83 Group Equity Index Fund 22-Feb-10 9.60 0.71 - 10.37 Group Growth Fund - I * 7-Jul-09 - 3.62 - 10.78 Group Liquid Fund 3-Nov-08 7.35 11.24 5.17 25.60 Group Short Term Debt Fund 28-Feb-09 9.01 7.15 0.18 17.01 Growth Plus Fund I 14-Jan-10 5.45 0.93 - 6.43 Growth Plus Fund II 10-May-10 (11.65) - - (11.65)Growth Plus Fund III 26-Oct-10 7.47 - - 7.47 Life Long Gain Fund 23-Jul-04 4.17 6.20 11.20 32.15 Liquid Fund 10-Jul-06 6.87 8.11 10.38 47.46 Liquid Pension Fund 24-Jul-06 7.16 8.53 10.57 48.23 Max Gain Fund I 17-Dec-09 9.49 3.10 - 12.89 Max Gain Fund II 14-Sep-10 5.07 - - 5.07 Premier Balanced Fund 17-Dec-05 7.28 30.91 (12.31) 63.75 Premier Bond Fund 21-Jul-06 4.63 7.29 10.62 37.76 Premier Debt Fund 17-Dec-05 4.93 8.66 11.68 45.82 Premier Equity Fund 17-Dec-05 9.77 70.40 (36.48) 93.98 Premier Equity Gain Fund 17-Dec-05 14.26 81.77 (28.62) 115.55 Premier Equity Growth Fund 24-Jul-06 15.34 75.45 (36.92) 68.32 Premier Equity Index Fund 24-Jul-06 9.14 69.20 (36.82) 73.17 Pure Equity Fund 17-Dec-05 7.61 80.20 (17.04) 134.90 Pure Stock Fund 21-Jul-06 7.44 75.79 (17.88) 119.47 Pure Stock Pension Fund 17-Apr-08 7.56 109.23 (19.66) 80.80 Secure Fund 15-Oct-04 9.39 21.21 3.69 80.00 Shield Plus Fund I 13-Jan-10 7.37 0.35 - 7.75 Shield Plus Fund II 10-May-10 5.78 - - 5.78 Shield Plus Fund III 11-Aug-10 3.42 - - 3.42 Stable Fund 15-Sep-04 7.78 29.79 1.48 85.30 * Fund closed on 30th March 2011

121


Enclosure B: Fees Charged to Policyholders' AccountAppendix III Refer Schedule 16 Note 24

(Amount in Rs. '000)2010-11 2009-10

Particulars Fund Manage-

ment Expenses

Fund Admini-stration

Expenses

Service Tax

Policy Admini-stration Charge

Switching Charge

Mortality Charge

Rider Premium

Charge

Fund Manage-

ment Expenses

Fund Admini-stration

Expenses

Service Tax

Policy Admini

stration Charge

Switching Charge

Mortality Charge

Rider Premium

Charge

Acc Mid Cap Fund 172,918 - 32,166 167,147 78 79,488 14,781 120,660 - 52,711 133,326 34 79,084 13,951 Acc Mid Cap Fund II 11,024 - 8,496 47,850 - 18,225 580 157 - 6,952 1,732 - 643 23 Acc Mid Cap Pension Fund 13,800 - 3,061 7,937 11 891 88 6,315 - 4,129 3,120 4 188 24 Accelerated Fund 300 - 34 - - - - 276 - 28 - - - - Asset Allocation Fund 468,051 - 196,687 1,908,421 11 462,736 67,891 318,940 - 632,934 1,743,176 8 478,204 73,665 Asset Allocation Pension Fund 31,473 - 7,003 31,018 0 4,105 236 16,476 - 19,809 27,346 0 4,202 249 Assured Return Fund 71 - 87 - - 760 34 - - - - - - - Balanced Fund - - - - - - - - - - - - - - Balanced Plus Fund - - - - - - - - - - - - - - Balanced Plus Pension Fund - - - - - - - - - - - - - - Blue Chip Equity Fund 2,566 - 466 4,840 - 1,755 85 - - - - - - - Bond Fund 59,944 - 23,944 178,283 266 78,848 18,223 38,429 - 55,904 141,105 180 76,394 18,614 Bond Pension Fund 12,302 - 2,602 5,695 40 620 38 5,792 - 5,695 3,804 32 360 28 Capital Guarantee Fund- 2012 1,234 - 307 1,492 - 1,339 - 1,549 - 502 1,816 - 1,587 - Capital Guarantee Fund- 2014 89 - 23 93 - 106 - 107 - 35 116 - 125 - Capital Guarantee Fund- 2017 537 - 123 667 - 482 - 704 - 219 846 - 637 - Capital Shield-I 27,107 - 2,792 - - - - 24,915 - 2,566 - - - - Capital Shield-II 22,514 - 2,319 - - - - 19,620 - 2,021 - - - - Cash Fund 9,157 11,447 3,451 - 46 10,088 3,155 11,038 13,798 4,247 0 43 11,647 3,914 Cash Plus Fund 7,962 - 2,126 2,740 205 5,470 750 8,905 - 2,324 3,405 226 6,498 984 Cash Plus Pension Fund 470 - 100 249 77 77 13 600 - 136 387 43 156 18 Debt Fund 9,986 12,482 3,548 1 124 10,143 2,095 12,849 16,062 4,548 0 232 12,162 2,631 Debt Plus Fund 8,918 - 2,850 5,958 286 9,606 1,276 9,915 - 3,620 6,749 1,161 11,612 1,577 Debt Plus Pension Fund 940 - 218 496 348 184 43 1,265 - 280 726 152 308 57 Equity Fund 41,378 51,722 13,348 3 90 29,524 7,858 46,157 57,696 15,467 0 113 35,826 9,595 Equity Gain Fund 135,927 113,273 33,823 0 75 68,124 13,028 151,735 126,447 39,079 (0) 214 83,192 15,887 Equity Growth Fund 1,464,242 - 306,520 1,739,498 71 863,824 143,496 1,136,884 - 621,836 1,667,250 72 938,952 152,275 Equity Growth Fund II 33,277 - 17,861 93,327 - 32,619 780 1,223 - 20,490 7,265 - 2,315 51 Equity Growth Pension Fund 55,235 - 8,086 32,296 9 1,800 101 46,348 - 20,030 29,087 7 1,645 88 Equity Index Fund 22,323 - 5,044 13,535 207 14,810 2,345 25,024 - 6,955 16,052 657 17,962 2,961 Equity Index Fund - II 1,053,710 - 357,229 3,019,002 213 1,086,479 170,413 678,839 - 963,872 2,589,211 212 1,114,387 186,056 Equity Index Pension Fund 1,611 - 264 656 180 211 78 1,923 - 393 948 59 369 103 Equity Index Pension Fund - II 86,693 - 15,200 70,345 48 5,275 322 48,049 - 50,773 53,881 37 4,535 274 Equity Midcap Fund 21,848 18,207 5,380 0 29 9,869 2,588 23,748 19,790 6,083 0 31 12,031 3,124 Equity Midcap Pension Fund 1,990 - 233 424 75 66 16 2,141 - 317 557 55 107 25 Equity Midcap Plus Fund 31,480 - 4,449 5,698 147 7,880 1,993 34,609 - 5,918 7,205 170 9,744 2,467 Equity Plus Fund 1,85,657 - 28,787 46,209 407 68,809 11,458 220,651 - 42,023 59,659 998 89,260 14,880 Equity Plus Pension Fund 12,200 - 1,456 2,948 418 568 168 14,749 - 2,254 4,397 221 1,033 230 Group Asset Allocation Fund 3,331 - 2,045 2,307 - 11,397 76 2 - 419 11 - 66 1 Group Debt Fund 5,272 - 670 - - - - 12,415 - 1,279 - - - - Group Equity Index Fund 5,930 - 4,251 3,865 - 16,125 483 10 - 6,079 104 - 425 26 Group Growth Fund - I - - - - - - - - - - - - - - Group Liquid Fund 1,153 - 204 - - - - 1,538 - 158 - - - - Group Short Term Debt Fund 6,585 - 936 - - - - 5,299 - 546 - - - - Growth Plus Fund I 3,261 - 540 4,708 - 710 - 197 - 276 615 - 91 - Growth Plus Fund II 665 - 107 1,142 - 179 - - - - - - - - Growth Plus Fund III 203 - 28 340 - 65 2 - - - - - - - Life Long Gain Fund 1,896 2,370 519 - - 728 - 1,799 2,249 552 - - 880 - Liquid Fund 16,633 - 16,285 89,708 61 44,225 12,259 9,515 - 51,575 59,644 47 31,252 12,609 Liquid Pension Fund 1,745 - 351 856 15 53 5 799 - 654 541 5 22 3 Max Gain Fund I 47,355 9,471 24,405 294,144 - 75,638 1,249 4,430 886 96,263 48,068 - 11,405 239 Max Gain Fund II 2,290 458 1,519 - - 12,481 - - - - - - - - Premier Balanced Fund - - - - - - - - - - - - - - Premier Bond Fund 10,394 - 1,284 2,189 33 1,610 - 8,783 - 1,265 1,975 23 1,518 - Premier Debt Fund 2,608 - 349 1,220 6 505 - 2,800 - 480 1,279 11 577 - Premier Equity Fund 9,148 - 1,213 3,961 2 1,675 - 10,147 - 1,736 4,468 6 2,283 - Premier Equity Gain Fund 15,009 - 1,978 6,591 4 2,582 - 16,295 - 2,810 7,221 6 3,826 - Premier Equity Growth Fund 57,282 - 7,423 16,024 5 11,014 - 54,589 - 8,840 17,931 6 13,590 - Premier Equity Index Fund 41,070 - 5,260 10,949 29 7,615 0 36,494 - 5,672 10,952 23 7,982 0 Pure Equity Fund 15,326 - 4,140 32,660 1 15,087 1,193 15,570 - 7,703 38,068 2 16,872 1,467 Pure Stock Fund 55,303 - 19,256 172,376 11 63,552 6,972 42,862 - 43,688 158,580 4 58,399 7,001 Pure Stock Pension Fund 2,281 - 729 1,497 2 182 30 546 - 1,221 336 0 23 2 Secure Fund 9,037 - 1,023 - - - - 4,837 - 498 - - - - Shield Plus Fund I 38,938 - 6,580 56,511 - 10,587 0 2,247 - 3,080 7,102 - 1,322 - Shield Plus Fund II 8,101 - 1,350 12,762 - 1,755 - - - - - - - - Shield Plus Fund III 4,622 - 626 7,253 - 1,502 29 - - - - - - - Stable Fund 33,530 - 3,792 - - - - 7,827 - 806 - - - - Total 4,407,904 219,429 1,196,944 8,107,892 3,630 3,154,045 486,235 3,269,592 236,926 2,829,750 6,860,061 5,094 3,145,698 525,099

Basis of Payment of Fees Fund Management Expenses % of NAVFund Administration Expenses % of NAV/Fixed AmountService Tax As per the applicable rates of Service TaxPolicy Administration Charge Charges applicable p.a.Switching Charge Expense per switchMortality Charge As per mortality tableRider Premium Charge As per rider charges in the policy documents

122


Enclosure C : Summary of Industry Wise Disclosure of Investments

Fundwise Industrywise Disclosure of Investments


Industry F.Y.2010-11 F.Y.2009-10 Amt in Rs. '000 Exposure (%) Amt in Rs. '000 Exposure (%)

Banking Services Industry - Fixed Deposit and Certificate of Deposit 44,296,402 13.66 31,757,816 11.48 Banking Services Industry - Other than Fixed Deposit and Certificate of Deposit 51,139,026 15.77 43,016,392 15.55 Computer Software Industry 33,996,228 10.48 27,197,294 9.83 Others 194,915,869 60.09 174,683,725 63.14 Total 324,347,526 100.00 276,655,227 100.00 Note : - Industry Exposure does not include cash element

F.Y.2010-11 F.Y.2009-10Portolio Name Banking Services

Industry Computer Software

Industry Others Banking Services

Industry Computer Software

Industry Others

Amt in Rs. '000

Exposure (%)

Amt in Rs. '000

Exposure (%)

Amt in Rs. '000

Exposure (%)

Amt in Rs. '000

Exposure (%)

Amt in Rs. '000

Exposure (%)

Amt in Rs. '000

Exposure (%)

Acc Mid Cap Fund 2,520,407 2.64 776,788 2.28 6,625,051 3.40 1,849,077 2.47 851,496 3.13 6,662,492 3.81 Acc Mid Cap Fund II 447,631 0.47 132,871 0.39 998,631 0.51 24,256 0.03 11,086 0.04 96,883 0.06 Acc Mid Cap Pension Fund 405,655 0.43 74,804 0.22 685,777 0.35 124,697 0.17 54,838 0.20 438,554 0.25 Accelerated Fund 10,855 0.01 972 0.00 12,649 0.01 3,975 0.01 1,430 0.01 16,624 0.01 Asset Allocation Fund 10,136,925 10.62 2,932,249 8.63 26,951,717 13.83 10,307,196 13.78 1,181,575 4.34 20,404,556 11.68 Asset Allocation Pension Fund 1,096,375 1.15 132,605 0.39 1,509,635 0.77 754,360 1.01 68,954 0.25 1,125,778 0.64 Assured Return Fund - - - - 68,115 0.03 - - - - - - Blue Chip Equity Fund 326,857 0.34 130,453 0.38 483,021 0.25 - - - - - - Bond Fund 4,222,196 4.42 - - 3,022,721 1.55 1,859,882 2.49 - - 3,021,359 1.73 Bond Pension Fund 973,909 1.02 - - 710,411 0.36 329,183 0.44 - - 524,981 0.30 Capital Guarantee Fund- 2012 11,480 0.01 4,647 0.01 65,157 0.03 5,555 0.01 3,999 0.01 106,967 0.06 Capital Guarantee Fund- 2014 1,380 0.00 283 0.00 3,870 0.00 1,325 0.00 307 0.00 6,779 0.00 Capital Guarantee Fund- 2017 3,696 0.00 2,652 0.01 30,188 0.02 4,996 0.01 3,527 0.01 44,431 0.03 Capital Shield-I 269,088 0.28 5,568 0.02 659,074 0.34 197,817 0.26 51,420 0.19 644,964 0.37 Capital Shield-II 6,113 0.01 - - 669,948 0.34 5,755 0.01 - - 629,387 0.36 Cash Fund 811,114 0.85 - - - - 987,467 1.32 - - - - Cash Plus Fund 965,088 1.01 - - - - 1,101,925 1.47 - - - - Cash Plus Pension Fund 49,756 0.05 - - - - 59,211 0.08 - - 9,500 0.01 Debt Fund 354,541 0.37 - - 514,864 0.26 398,761 0.53 - - 700,165 0.40 Debt Plus Fund 682,071 0.71 - - 506,139 0.26 438,402 0.59 - - 778,117 0.45 Debt Plus Pension Fund 79,055 0.08 - - 42,096 0.02 34,258 0.05 - - 117,895 0.07 Equity Fund 792,259 0.83 551,682 1.62 2,429,337 1.25 820,180 1.10 577,832 2.12 3,165,742 1.81 Equity Gain Fund 2,597,158 2.72 1,122,476 3.30 4,309,457 2.21 3,205,318 4.29 1,079,648 3.97 5,736,598 3.28 Equity Growth Fund 26,818,249 28.10 8,413,417 24.75 48,381,301 24.82 24,402,241 32.63 9,140,135 33.61 45,812,226 26.23 Equity Growth Fund II 1,287,275 1.35 336,963 0.99 1,722,270 0.88 322,756 0.43 133,716 0.49 696,508 0.40 Equity Growth Pension Fund 1,539,885 1.61 472,036 1.39 2,241,084 1.15 913,535 1.22 325,368 1.20 2,337,879 1.34 Equity Index Fund 426,943 0.45 299,303 0.88 1,318,000 0.68 439,784 0.59 309,419 1.14 1,695,225 0.97 Equity Index Fund - II 19,866,945 20.82 13,654,636 40.17 59,921,875 30.74 13,557,414 18.13 9,252,556 34.02 51,077,284 29.24 Equity Index Pension Fund 29,040 0.03 20,821 0.06 91,880 0.05 31,418 0.04 22,166 0.08 121,443 0.07 Equity Index Pension Fund - II 1,649,925 1.73 1,115,760 3.28 4,914,019 2.52 1,160,105 1.55 735,046 2.70 4,026,470 2.31 Equity Midcap Fund 377,111 0.40 81,505 0.24 748,946 0.38 190,647 0.25 156,214 0.57 1,293,362 0.74 Equity Midcap Pension Fund 32,205 0.03 7,478 0.02 69,756 0.04 18,039 0.02 14,098 0.05 116,412 0.07 Equity Midcap Plus Fund 562,182 0.59 118,068 0.35 1,086,787 0.56 309,834 0.41 217,037 0.80 1,794,196 1.03 Equity Plus Fund 3,305,438 3.46 1,397,745 4.11 5,942,027 3.05 4,573,695 6.12 1,458,341 5.36 7,947,307 4.55 Equity Plus Pension Fund 221,145 0.23 82,530 0.24 393,976 0.20 189,215 0.25 89,702 0.33 606,830 0.35 Group Asset Allocation Fund 510,238 0.53 62,557 0.18 527,060 0.27 925 0.00 255 0.00 1,065 0.00 Group Debt Fund 370,277 0.39 - - 385,493 0.20 127,058 0.17 - - 435,337 0.25 Group Equity Index Fund 281,294 0.29 195,121 0.57 867,245 0.44 19,350 0.03 4,845 0.02 28,553 0.02 Group Growth Fund-I * - - - - - - - - - - 485,602 0.28 Group Liquid Fund 195,822 0.21 - - 2,500 0.00 122,222 0.16 - - - - Group Short Term Debt Fund 195,000 0.20 - - 553,013 0.28 16,014 0.02 - - 630,885 0.36 Growth Plus Fund I 40,197 0.04 - - 180,851 0.09 24,267 0.03 - - 152,901 0.09 Growth Plus Fund II 7,270 0.01 - - 55,670 0.03 - - - - - - Growth Plus Fund III 9,661 0.01 5,458 0.02 35,216 0.02 - - - - - - Life Long Gain Fund 40,670 0.04 - - 160,015 0.08 35,043 0.05 - - 149,681 0.09 Liquid Fund 2,083,658 2.18 - - - - 1,321,885 1.77 - - - - Liquid Pension Fund 245,909 0.26 - - - - 114,650 0.15 - - - - Max Gain Fund I 3,255,092 3.41 465,446 1.37 2,186,665 1.12 2,115,198 2.83 - - 646,800 0.37 Max Gain Fund II 520,498 0.55 - - 35,467 0.02 - - - - - - Premier Bond Fund 193,677 0.20 - - 188,360 0.10 147,625 0.20 - - 196,295 0.11 Premier Debt Fund 69,735 0.07 - - 48,595 0.02 43,011 0.06 - - 67,559 0.04 Premier Equity Fund 75,142 0.08 53,885 0.16 237,268 0.12 80,375 0.11 56,586 0.21 310,018 0.18 Premier Equity Gain Fund 209,398 0.22 68,360 0.20 325,171 0.17 146,881 0.20 70,961 0.26 498,124 0.29 Premier Equity Growth Fund 631,316 0.66 213,233 0.63 1,070,479 0.55 526,787 0.70 335,946 1.24 1,298,492 0.74 Premier Equity Index Fund 298,266 0.31 209,684 0.62 923,336 0.47 275,705 0.37 193,590 0.71 1,060,624 0.61 Pure Equity Fund - - 130,488 0.38 920,667 0.47 - - 174,720 0.64 933,462 0.53 Pure Stock Fund - - 653,037 1.92 3,797,944 1.95 - - 515,873 1.90 3,025,352 1.73 Pure Stock Pension Fund - - 24,311 0.07 153,677 0.08 - - 11,140 0.04 69,549 0.04 Secure Fund 363,435 0.38 15,882 0.05 651,046 0.33 193,697 0.26 12,205 0.04 357,760 0.20 Shield Plus Fund I 1,154,133 1.21 24,886 0.07 1,671,050 0.86 572,534 0.77 - - 1,524,168 0.87 Shield Plus Fund II 315,416 0.33 5,568 0.02 455,700 0.23 - - - - - - Shield Plus Fund III 502,058 0.53 - - 525,951 0.27 - - - - - - Stable Fund 987,315 1.03 - - 1,827,656 0.94 268,703 0.36 81,261 0.30 1,054,582 0.60 Total 95,435,428 100.00 33,996,228 100.00 194,915,869 100.00 74,774,208 100.00 27,197,294 100.00 174,683,725 100.00 * Fund closed on 30th March 2011

123


Banking Services- Exposure details - Scrip WiseAppendix III Refer Schedule 16 Note 24

Instrument F.Y. 2010-11 F.Y. 2009-10 Amt in Rs. `000 (%) Amt in Rs. `000 (%)

10% HDFC Bank Ltd... - 13-Dec-2011 FD 49,900 0.05 49,900 0.07 10.25% Indian Overseas Bank FD (MD 27/02/2013) 250,000 0.26 - 10.35% State Bank Hyderabad FD (MD 14/03/2013) 500,000 0.52 - 10.36% Dena Bank FD (MD 30/03/2012) 250,000 0.26 - 10.40% State Bank of Hyderabad FD (MD 14/03/2013) 250,000 0.26 - 11.10% IDBI Bank Ltd (MD 26/09/2013) 51,536 0.05 54,747 0.07 6.75% State Bank of Bikaner and Jaipur FD (11/04/2011) 9,500 0.01 - 6.75% State Bank of Bikaner and Jaipur FD (12/04/2011) 9,500 0.01 - 6.75% State Bank of Bikaner and Jaipur FD (13/04/2011) 9,500 0.01 - 6.75% State Bank of Bikaner and Jaipur FD (14/04/2011) 9,500 0.01 - 6.75% State Bank of Bikaner and Jaipur FD (15/04/2011) 9,500 0.01 - 6.75% State Bank of Bikaner and Jaipur FD (18/04/2011) 9,500 0.01 - 6.75% State Bank of Bikaner and Jaipur FD (19/04/2011) 9,500 0.01 - 6.75% State Bank of Bikaner and Jaipur FD (20/04/2011) 9,500 0.01 - 6.75% State Bank of Bikaner and Jaipur FD (21/04/2011) 9,500 0.01 - 6.75% State Bank of Bikaner and Jaipur FD (22/04/2011) 9,500 0.01 - 7% State Bank of India FD (MD 09/06/2010) - 500,000 0.67 7% State Bank of India Quarterly Comp FD (MD 08/04/2010) - 360,000 0.48 7.0% HDFC Bank FD (MD 14/06/2011) 49,900 0.05 - 7.05% HDFC Bank FD (MD 13/06/2011) 49,900 0.05 - 7.20% Bank of India FD (MD 21/03/2011) - 750,000 1.00 7.25% Bank of Baroda FD (MD 14/03/2011) - 750,000 1.00 7.45% State Bank of India LT (MD 05/05/2015) 18,802 0.02 - 7.50% SYNDICATE BANK (MD 10/06/2010) FD - 350,000 0.47 7.90% Corporation Bank LT (MD 24/03/2016) 11,474 0.01 - 8% Saraswat Co-op Bank FD (MD 28/04/2011) 100,000 0.10 100,000 0.13 8.0% Saraswat Bank FD(MD 29/04/2011) 50,000 0.05 50,000 0.07 8.25% Canara Bank FD (MD 17/10/2011) 250,000 0.26 - 8.25% State Bank of Hyderabad FD (MD 14/10/2013) 150,000 0.16 - 8.75% State Bank of India FD (MD 16/03/2020) 9,500 0.01 - 8.75% State Bank of India FD( MD 17/03/2020) 9,500 0.01 - 8.75% State Bank of India FD(MD 18/03/2020) 9,500 0.01 - 8.75% State Bank of India FD(MD 19/03/2020) 9,500 0.01 - 8.75% State Bank of India FD(MD 20/03/2020) 9,500 0.01 - 8.8% ST BK INDIA(MD 05/06/21)RSET050616 (Call 06/06/2016) 9,813 0.01 - 8.80% State Bank of Hyderabad (MD 29/04/2016) 637,906 0.67 - 8.85% State Bank of India Upper II (MD 4/10/2021) (call 4/10 687,865 0.72 - 8.95% Bank of Baroda (MD 15/05/2016) 98,658 0.10 - 8.97% SBI UT II (MD 13/09/2021)Call option (13/09/2016) 98,778 0.10 - 9.0% Canara Bank FD 02 Feb 2011 - 9,500 0.01 9.0% Canara Bank FD 05 July 2011 9,500 0.01 9,500 0.01 9.0% Canara Bank FD 07 June 2011 9,500 0.01 9,500 0.01 9.0% Canara Bank FD 08 March 2011 - 9,500 0.01 9.0% Canara Bank FD 10 May 2011 9,500 0.01 9,500 0.01 9.0% Canara Bank FD 12 April 2011 9,500 0.01 9,500 0.01 9.0% Canara Bank FD 18 Jan 2011 - 9,500 0.01 9.0% Canara Bank FD 19 July 2011 9,500 0.01 9,500 0.01 9.0% Canara Bank FD 21 June 2011 9,500 0.01 9,500 0.01 9.0% Canara Bank FD 22 Feb 2011 - 9,500 0.01 9.0% Canara Bank FD 22 March 2011 - 9,500 0.01 9.0% Canara Bank FD 24 May 2011 9,500 0.01 9,500 0.01 9.0% Canara Bank FD 26 April 2011 9,500 0.01 9,500 0.01 9.0% HDFC Bank FD 01 March 2011 - 49,900 0.07 9.0% HDFC Bank FD 03 March 2011 - 49,900 0.07 9.0% HDFC Bank FD 07 March 2011 - 49,900 0.07 9.0% HDFC Bank FD 09 March 2011 - 49,900 0.07 9.0% HDFC Bank FD 10 March 2011 - 49,900 0.07 9.0% HDFC Bank FD 11 March 2011 - 49,900 0.07 9.0% HDFC Bank FD 14 March 2011 - 49,900 0.07 9.0% HDFC Bank FD 15 March 2011 - 49,900 0.07 9.0% HDFC Bank FD 24 Feb 2011 - 49,900 0.07

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9.0% Indian Bank FD 02 Feb 2011 - 9,500 0.01 9.0% Indian Bank FD 05 July 2011 9,500 0.01 9,500 0.01 9.0% Indian Bank FD 07 June 2011 9,500 0.01 9,500 0.01 9.0% Indian Bank FD 08 March 2011 - 9,500 0.01 9.0% Indian Bank FD 10 May 2011 9,500 0.01 9,500 0.01 9.0% Indian Bank FD 12 April 2011 9,500 0.01 9,500 0.01 9.0% Indian Bank FD 18 Jan 2011 - 9,500 0.01 9.0% Indian Bank FD 19 July 2011 9,500 0.01 9,500 0.01 9.0% Indian Bank FD 21 June 2011 9,500 0.01 9,500 0.01 9.0% Indian Bank FD 22 Feb 2011 - 9,500 0.01 9.0% Indian Bank FD 22 March 2011 - 9,500 0.01 9.0% Indian Bank FD 24 May 2011 9,500 0.01 9,500 0.01 9.0% Indian Bank FD 26 April 2011 9,500 0.01 9,500 0.01 9.00% Bank of India Perpetual Call 09 Dec 2019 99,107 0.10 101,050 0.14 9.00% Canara Bank FD (MD 09/03/2020) 80,000 0.08 - 9.00% Canara Bank FD (MD 19/06/2020) 20,000 0.02 - 9.00% Canara Bank FD (MD 21/12/2020) 100,000 0.10 - 9.00% Punjab National Bank Perpetual Call 27 Nov 2019 98,983 0.10 100,926 0.13 9.02% Canara Bank FD (MD 05/11/2012) 500,000 0.52 - 9.05% State Bank of India Perpetual Call (MD 27/01/2020) 119,254 0.12 202,735 0.27 9.05% Syndicate Bank FD (MD 04/12/2012) 550,000 0.58 - 9.10% HDFC Bank (MD 05/09/2016) 99,778 0.10 - 9.10% SBM Perpetual Call 25 Nov 2019 - 101,682 0.14 9.10% State Bank of Hydrabad FD (19/06/2020) 60,000 0.06 - 9.10% State Bank of Hydrabad FD (MD 01/03/2019) 65,000 0.07 - 9.10% State Bank of Hydrabad FD (MD 09/03/2020) 270,000 0.28 - 9.10% State Bank of Hydrabad FD (MD 22/12/2020) 105,000 0.11 - 9.15% Canara Bank FD (MD 02/11/2020) 50,000 0.05 - 9.15% Canara Bank FD (MD 19/03/2020) 200,000 0.21 - 9.15% Canara Bank FD (MD 29/06/2020) 50,000 0.05 - 9.15% ICICI Bank FD ( MD 05/01/2021) 130,000 0.14 - 9.15% ICICI Bank FD (MD 09/03/2020) 250,000 0.26 - 9.15% ICICI Bank FD (MD 18/03/2019) 60,000 0.06 - 9.15% ICICI Bank FD (MD 22/06/2020) 60,000 0.06 - 9.25% IDBI OMNI BONDS Series XVIII (MD26/03/2014) 198,540 0.21 202,975 0.27 9.25% State Bank of Bikaner & Jaipur Quarterly Comp FD (MD 0 9,000 0.01 9,000 0.01 9.31% Syndicate Bank FD (MD 14/12/2015) 350,000 0.37 - 9.40% State Bank of Hyderabad FD (MD 05/01/2016) 500,000 0.52 - 9.5% State Bank of Bikaner - 10-Feb-2011 FD - 250,000 0.33 9.50% Canara Bank FD (MD 01/03/2019) 70,000 0.07 - 9.50% State Bank of Bikaner and Jaipur FD (MD 01/07/2020) 70,000 0.07 - 9.50% State Bank of Bikaner and Jaipur FD (MD 01/12/2020) 40,000 0.04 - 9.50% State Bank of Bikaner and Jaipur FD (MD 02/11/2020) 70,000 0.07 - 9.50% State Bank of Bikaner and Jaipur FD (MD 03/02/2020) 270,000 0.28 - 9.50% State Bank of Hyderabad FD (MD 14/01/2016) 250,000 0.26 - 9.50% State Bank of India - 10-Dec-2013 FD - 250,000 0.33 9.50% State Bank of India (Quarterly Comp) FD (MD 10/12/2013 250,000 0.26 - 9.50% Syndicate Bank FD (MD 04 Dec 2010) - 550,000 0.74 9.65% Bank of India FD (MD 06/12/2012) 500,000 0.52 - 9.65% Canara Bank FD (MD 04/12/2012) 500,000 0.52 - 9.70% Canara Bank FD (MD 06/12/2012) 250,000 0.26 - 9.80% Bank of India FD (MD 30/01/2012) 1,000,000 1.05 - 9.98% ICICI Bank Perpetual Call 13 Sept 2016 50,853 0.05 52,234 0.07 Allahabad Bank - Equity Shares 2,489,265 2.61 723,004 0.97 Allahabad Bank CD (MD 05/05/2011) 991,275 1.04 - Allahabad Bank CD (MD 07/01/2011) - 478,316 0.64 Allahabad Bank CD (MD 08/06/2011) 245,439 0.26 - Allahabad Bank CD (MD 15/04/2010) - 997,878 1.33 Allahabad Bank CD (MD 15/07/2010) - 985,470 1.32 Andhra Bank Ltd - Equity Shares 2,352,756 2.47 1,598,672 2.14 Axis Bank CD (MD 08/03/2012) 228,274 0.24 -

125




Axis Bank CD (MD 17/02/2012) 229,768 0.24 - Axis Bank CD (MD 20/02/2012) 229,391 0.24 - Axis Bank CD (MD 21/04/2011) 498,290 0.52 - Axis Bank CD (MD 29/10/2010) - 964,342 1.29 Axis Bank Ltd CD (MD 12/01/2011) - 476,650 0.64 Axis Bank Ltd. - Equity Shares 2,842,487 2.98 4,242,842 5.67 Bank of Baroda - Equity Shares 278,437 0.29 488,639 0.65 Bank of Baroda CD (MD 02/02/2012) 461,976 0.48 - Bank of Baroda CD (MD 03/06/2011) 491,842 0.52 - Bank of Baroda CD (MD 19/12/2011) 233,068 0.24 - Bank of Baroda CD (MD 22/12/2010) - 480,884 0.64 Bank of Baroda CD (MD 23/09/2010) - 975,969 1.31 Bank of Baroda CD (MD 28/11/2011) 472,776 0.50 - Bank of Baroda CD (MD 29/06/2011) 1,227,839 1.29 - Bank of India CD (MD 04/03/2011) - 471,444 0.63 Bank of India CD (MD 05/01/2011) - 1,434,118 1.92 Bank of India CD (MD 07/04/2010) - 249,813 0.33 Bank of India CD (MD 08/11/2011) 952,632 1.00 - Bank of India CD (MD 16/09/2011) 965,255 1.01 - Bank of India CD (MD 18/03/2011) - 705,509 0.94 Bank of India CD (MD 19/12/2011) 937,203 0.98 - Bank of India CD (MD 27/02/2012) 458,004 0.48 - Canara Bank - Equity Shares - 35,482 0.05 Canara Bank CD (MD 03/09/2010) - 976,618 1.31 Canara Bank CD (MD 07/04/2010) - 749,390 1.00 Canara Bank CD (MD 08/06/2011) 491,408 0.51 - Canara Bank CD (MD 11/05/2011) 247,559 0.26 - Canara Bank CD (MD 20/08/2010) - 245,159 0.33 Canara Bank CD (MD 21/04/2010) - 249,254 0.33 Canara Bank CD (MD 23/11/2011) 234,757 0.25 - Canara Bank CD (MD 24/02/2011) - 376,809 0.50 Canara Bank CD (MD 25/03/2011) - 1,176,313 1.57 Canara Bank CD (MD 29/06/2011) 492,307 0.52 - Canara Bank CD (MD 30/06/2010) - 197,676 0.26 Central Bank of India CD (MD 15/06/2011) 490,485 0.51 - Central Bank of India CD (MD 26/03/2012) 227,283 0.24 - Corporate Debt Trust 2008 09 Sr 16 A1 Opt I PTC (MD 16/07/20 - 124,068 0.17 Corporation Bank - Equity Shares 1,151,413 1.21 1,100,035 1.47 Corporation Bank CD (MD 01/06/2011) 247,419 0.26 - Corporation Bank CD (MD 03/09/2010) - 244,048 0.33 Corporation Bank CD (MD 06/03/2012) 228,566 0.24 - Corporation Bank CD (MD 06/07/2010) - 493,930 0.66 Corporation Bank CD (MD 09/04/2010) - 549,308 0.73 Corporation Bank CD (MD 17/01/2011) - 238,550 0.32 Corporation Bank CD (MD 20/08/2011) 1,215,175 1.27 - Corporation Bank CD (MD 21/02/2011) - 471,816 0.63 Corporation Bank CD (MD 22/04/2010) - 249,224 0.33 Development Credit Bank Ltd. - Equity Shares - 187,200 0.25 Federal Bank Ltd. - Equity Shares 2,867,866 3.01 871,577 1.17 HDFC Bank - Equity Shares 5,831,830 6.11 10,121,513 13.54 HDFC Bank CD (MD 08/06/2011) 982,201 1.03 - HDFC Bank CD (MD 25/04/2011) 746,858 0.78 - ICICI Bank CD (MD 26/04/2011) 746,820 0.78 - ICICI Bank Ltd. - Equity Shares 15,402,054 16.14 11,620,799 15.54 IDBI Bank CD (MD 09/05/2011) 495,102 0.52 - IDBI Bank CD (MD 11/05/2011) 496,784 0.52 - IDBI Bank Ltd. - Equity Shares - 190,466 0.25 IDBI Ltd CD (MD 17/02/2011) - 236,141 0.32 IDBI Ltd CD (MD 21/01/2011) - 476,277 0.64 Indian Bank - Equity Shares 4,655 0.00 39,465 0.05 Indian Bank CD (MD 12/09/2011) 241,738 0.25 -

126




Indian Overseas Bank CD (MD 05/03/2012) 914,418 0.96 - ING Vysya Bank Ltd. - Equity Shares 385,941 0.40 332,146 0.44 Jammu & Kashmir Bank Ltd. - Equity Shares 465,327 0.49 37,582 0.05 Karnataka Bank Ltd. - Equity Shares - 316,384 0.42 OBC CD (MD 22/08/2011) 242,924 0.25 - Oriental Bank of Commerce (MD 12/08/2011) 487,076 0.51 - Oriental Bank of Commerce CD (MD 05/03/2012) 228,572 0.24 - Oriental Bank of Commerce CD (MD 05/08/2010) - 491,447 0.66 Oriental Bank of Commerce CD (MD 07/01/2011) - 717,565 0.96 Oriental Bank of Commerce CD (MD 08/03/2012) 228,689 0.24 - Oriental Bank of Commerce CD (MD 15/03/2012) 228,388 0.24 - Oriental Bank of Commerce CD (MD 15/04/2010) - 499,066 0.67 Oriental Bank Of Commerce CD (MD 22/02/2012) 229,576 0.24 - Punjab National Bank - Equity Shares 5,150,601 5.40 2,075,082 2.78 Punjab National Bank CD (MD 01/11/2011) 954,112 1.00 - Punjab National Bank CD (MD 06/06/2011) 245,826 0.26 - Punjab National Bank CD (MD 07/03/2012) 228,506 0.24 - Punjab National Bank CD (MD 15/07/2010) - 443,432 0.59 Punjab National Bank CD (MD 15/10/2010) - 483,536 0.65 Punjab National Bank CD (MD 16/01/2012) 929,036 0.97 - Punjab National Bank CD (MD 19/04/2010) - 249,424 0.33 Punjab National Bank CD (MD 28/11/2011) 709,136 0.74 - Punjab National Bank CD (MD 30/01/2012) 462,692 0.48 - State Bank Hyderabad CD (MD 04/11/2011) 476,856 0.50 - State Bank Of Bikaner & Jaipur (MD 24/06/2011) 244,680 0.26 - State Bank of Bikaner & Jaipur CD (MD 03/11/2011) 238,363 0.25 - State Bank Of Bikaner & Jaipur CD (MD 10/03/2011) - 235,710 0.32 State Bank of Bikaner & Jaipur CD (MD 15/07/2011) 242,998 0.25 - State Bank Of Bikaner & Jaipur CD (MD 28/10/2011) 955,234 1.00 - State Bank of Bikaner & Jaipur CD MD(04/01/2011) - 955,667 1.28 State Bank of Hyderabad CD (08/04/2010) - 499,515 0.67 State Bank of Hyderabad CD (MD 05/05/2011) 495,620 0.52 - State Bank of Hyderabad CD (MD 07/03/2012) 457,052 0.48 - State Bank of Hyderabad CD (MD 16/06/2010) - 247,671 0.33 State Bank of Hyderabad CD (MD 20/08/2010) - 490,680 0.66 State Bank of Hyderabad CD (MD 22/04/2010) - 498,552 0.67 State Bank of Hyderabad CD (MD 28/04/2011) 647,066 0.68 - State Bank of India - Equity Shares 4,844,985 5.08 8,078,146 10.80 State Bank of India CD (MD 27/06/2011) 590,020 0.62 - State Bank of Mysore (MD 03/09/2010) - 1,465,162 1.96 State Bank of Mysore CD (MD 02/06/2010) - 248,076 0.33 State Bank of Mysore CD (MD 02/06/2011) 246,919 0.26 - State Bank of Mysore CD (MD 06/07/2011) 344,010 0.36 - State Bank of Mysore CD (MD 16/09/2011) 241,539 0.25 - State Bank of Mysore CD (MD 17/08/2011) 1,215,938 1.27 - State Bank of Mysore CD (MD 27/04/2010) - 249,191 0.33 State Bank of Mysore CD (MD 27/10/2011) 477,727 0.50 - State Bank of Patiala CD (03/09/2010) - 244,122 0.33 State Bank of Patiala CD (MD 02/06/2011) 247,411 0.26 - State Bank of Patiala CD (MD 05/08/2011) 731,721 0.77 - State Bank of Patiala CD (MD 10/06/2011) 491,116 0.51 - State Bank of Patiala CD (MD 11/08/2011) 242,868 0.25 - State Bank of Patiala CD (MD 14/07/2011) 490,688 0.51 - State Bank of Patiala CD (MD 15/11/2010) - 241,773 0.32 State Bank of Patiala CD (MD 20/08/2010) - 979,215 1.31 State Bank of Patiala CD (MD 21/05/2010) - 248,379 0.33 State Bank of Patiala CD (MD 24/11/2011) 236,674 0.25 - State Bank of Travancore CD (MD 03/06/2011) 691,951 0.73 - State Bank of Travancore CD (MD 06/05/2010) - 248,945 0.33 State Bank of Travancore CD (MD 07/02/2012) 461,604 0.48 - State Bank of Travancore CD (MD 07/04/2010) - 999,180 1.34

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Computer Software Industry- Exposure details - Scrip WiseAppendix III Refer Schedule 16 Note 24


HCL Technologies Limited 831,593 2.45 438,260 1.61 Infosys Technologies Limited 19,847,783 58.38 16,061,399 59.06 KPIT Cummins Infosystems Limited - - 146,561 0.54 Mastek Limited 213,114 0.63 650,043 2.39 Mindtree Limited 775,008 2.28 1,138,163 4.18 MPHASIS Limited 1,216,975 3.58 483,468 1.78 Oracle Financial Services Software Limited 143,591 0.42 422,517 1.55 Patni Computer Systems Limited 376,096 1.11 - - Sasken Communication Technologies Limited 206,706 0.61 226,286 0.83 Tata Consultancy Services Limited 4,054,933 11.93 2,769,856 10.18 Tech Mahindra Limited 202,845 0.60 - - Wipro Limited 6,127,585 18.02 4,860,740 17.87

Total 33,996,228 100 27,197,294 100



State Bank of Travancore CD (MD 08/11/2011) 238,150 0.25 - State Bank of Travancore CD (MD 16/08/2010) - 245,374 0.33 State Bank of Travancore CD (MD 21/11/2011) 948,280 0.99 - State Bank of Travancore CD (MD 29/08/2011) 485,155 0.51 - State Bank of Travancore CD MD(27/12/2010) - 720,556 0.96 Syndicate Bank CD (MD 06/06/2011) 245,558 0.26 - Union Bank CD (MD 28/11/2011) 236,507 0.25 - UNION BANK OF INDIA CD (MD 16/12/2010) - 239,672 0.32 Union Bank of India CD (MD 22/03/2012) 455,051 0.48 - United Bank of India - Equity Shares - 16,939 0.02 Dhanalakshmi Bank Ltd. - Equity Shares 113,200 0.12 - Kotak Mahindra Bank Limited - Equity Shares 1,067,116 1.12 - Syndicate Bank Ltd. - Equity Shares 806,407 0.84 - Union Bank of India Ltd. - Equity Shares 1,776,514 1.86 - Vijaya Bank - Equity Shares 169,229 0.18 - YES BANK LIMITED - Equity Shares 857,592 0.90 - Total 95,435,428 100 74,774,208 100

128


Enclosure D: Highest, Lowest and Closing NAV For the year 2010-11Appendix III Refer Schedule 16 Note 24

F.Y.2010-11 F.Y.2009-10 Fund Name Closing NAV

31-March-2011 (Rs.)

Lowest NAV (Rs.)

Highest NAV (Rs.)

Closing NAV 31-March-2010

(Rs.)

Lowest NAV (Rs.)

Highest NAV (Rs.)

Acc Mid Cap Fund 21.2028 19.4516 24.1032 19.8728 8.8760 20.0552 Acc Mid Cap Fund II 11.7007 10.4728 12.9335 10.7965 9.8617 10.7965 Acc Mid Cap Pension Fund 21.9797 20.2269 25.0939 20.7948 8.8950 20.7948 Accelerated Fund 25.0091 21.4528 25.6948 21.6640 14.2750 21.6640 Asset Allocation Fund 13.3938 12.1865 13.4465 12.3790 9.2310 12.4205 Asset Allocation Pension Fund 12.5437 11.5688 12.6280 11.7189 8.8880 11.7385 Assured Return Fund 10.1836 9.9747 10.2272 - - - Balanced Fund 19.3874 17.1805 20.2839 17.9326 13.5420 18.0254 Balanced Plus Fund 22.9136 20.1758 23.7404 20.9423 15.7110 21.0303 Balanced Plus Pension Fund 21.8613 19.2491 22.5969 19.9089 14.9730 19.9921 Blue Chip Equity Fund 9.4784 8.6043 10.3101 - - - Bond Fund 15.0257 14.0910 15.0257 14.0877 12.9580 14.0877 Bond Pension Fund 15.3485 14.3766 15.3485 14.3738 13.2440 14.3738 Capital Guarantee Fund- 2012 13.5877 12.6780 13.8212 12.8786 10.9340 12.9109 Capital Guarantee Fund- 2014 13.6313 12.7137 13.7836 12.7328 10.7190 12.7587 Capital Guarantee Fund- 2017 14.3456 12.6574 14.6975 13.0718 10.2100 13.1160 Capital Shield-I 12.9166 12.2125 12.9166 12.2205 10.4810 12.2205 Capital Shield-II 14.7503 12.9864 15.8260 13.5891 10.4140 13.6994 Cash Fund 14.9710 14.1849 14.9710 14.1831 13.2960 14.1831 Cash Plus Fund 16.5021 15.4079 16.5021 15.4053 14.1930 15.4053 Cash Plus Pension Fund 16.5931 15.4208 16.5931 15.4178 14.1140 15.4178 Debt Fund 14.5179 13.7005 14.5179 13.6983 12.8710 13.6983 Debt Plus Fund 16.1257 15.0107 16.1257 15.0075 13.7970 15.0075 Debt Plus Pension Fund 16.5966 15.4209 16.5966 15.4174 14.0900 15.4174 Equity Fund 26.4128 21.9943 28.7321 24.0703 14.3240 24.3322 Equity Gain Fund 36.0391 30.4914 38.8942 32.7022 19.3300 32.8577 Equity Growth Fund 16.9330 14.2240 17.9900 15.0222 8.9550 15.1432 Equity Growth Fund II 12.3523 10.1861 12.8643 10.6140 9.8005 10.6733 Equity Growth Pension Fund 18.3619 15.1803 19.1200 15.7662 8.8190 15.7662 Equity Index Fund 34.8696 28.7342 37.7630 31.3829 18.4250 31.7043 Equity Index Fund - II 18.7337 15.4768 20.2960 16.9101 9.9310 17.0834 Equity Index Pension Fund 30.8706 25.4061 33.4018 27.6140 16.1900 27.8958 Equity Index Pension Fund - II 18.3516 15.1578 19.8169 16.5621 9.7300 16.7312 Equity Midcap Fund 29.8374 27.4659 34.4415 29.2346 14.6350 29.8460 Equity Midcap Pension Fund 41.9058 38.4563 47.7865 39.1797 16.8530 39.1910 Equity Midcap Plus Fund 37.5650 34.5497 43.1630 35.3779 15.4900 35.3899 Equity Plus Fund 38.1547 32.3044 40.6522 34.6266 20.1330 34.8222 Equity Plus Pension Fund 39.0536 32.2586 40.8122 33.4647 18.2630 33.4647 Group Asset Allocation Fund 12.3330 10.2856 12.3330 10.2755 10.0000 10.2755 Group Debt Fund 13.3827 12.4028 13.3827 12.4009 11.2870 12.4009 Group Equity Index Fund 11.0373 9.1335 11.9476 10.0705 10.0000 10.1574 Group Growth Fund - I * - 10.3645 11.0777 10.3622 9.8660 10.3622 Group Liquid Fund 12.5595 11.7012 12.5595 11.6993 10.5190 11.6993 Group Short Term Debt Fund 11.7012 10.7313 11.7012 10.7344 9.9850 10.7344 Growth Plus Fund I 10.6429 10.0941 10.6429 10.0930 10.0000 10.0930 Growth Plus Fund II 8.8351 8.5770 10.1156 - - - Growth Plus Fund III 10.7473 9.9308 10.7473 - - - Life Long Gain Fund 13.2145 12.6894 13.2147 12.6850 11.9960 12.7004 Liquid Fund 14.7455 13.8003 14.7455 13.7982 12.7660 13.7982 Liquid Pension Fund 14.8234 13.8358 14.8234 13.8333 12.7490 13.8333 Max Gain Fund I 11.2890 10.1742 11.5229 10.3104 10.0000 10.3104 Max Gain Fund II 10.5066 10.0000 10.5066 - - - Premier Balanced Fund 16.3751 14.7593 16.9910 15.2643 11.7440 15.3162 Premier Bond Fund 13.7763 13.1696 13.7763 13.1673 12.3170 13.1673 Premier Debt Fund 14.5816 13.9024 14.5816 13.8971 12.8400 13.8971 Premier Equity Fund 19.3984 16.1471 21.0912 17.6717 10.5050 17.8641 Premier Equity Gain Fund 21.5546 18.0215 22.7678 18.8639 10.4570 18.8639 Premier Equity Growth Fund 16.8319 14.1647 17.7875 14.5936 8.4040 14.7347 Premier Equity Index Fund 17.3169 14.4843 18.8681 15.8663 9.4960 16.1324 Pure Equity Fund 23.4897 20.4917 24.8018 21.8294 12.1790 22.1302 Pure Stock Fund 21.9468 19.2515 23.2085 20.4267 11.6820 20.7083 Pure Stock Pension Fund 18.0799 15.9784 19.6597 16.8094 8.0700 16.8094 Secure Fund 17.9999 16.4545 17.9999 16.4545 13.6180 16.4545 Shield Plus Fund I 10.7747 9.9952 10.7747 10.0348 9.9335 10.0579 Shield Plus Fund II 10.5775 10.0000 10.5775 - - - Shield Plus Fund III 10.3418 10.0000 10.3418 - - - Stable Fund 18.5302 17.0386 18.8599 17.1921 13.2910 17.1921 * Fund closed on 30th March 2011

129


Enclosure E :

Annualised Expense Ratio to Average Daily Assets of the Fund


Ratio of Gross Income to Average Daily Assets of the Fund.

Enclosure F :

Fund Names Expense Ratio (%)F.Y.2010-11 F.Y.2009-10

Acc Mid Cap Fund 1.93 1.93Acc Mid Cap Fund II 1.49 1.49Acc Mid Cap Pension Fund 1.49 1.78Accelerated Fund 1.34 1.32Asset Allocation Fund 1.39 1.38Asset Allocation Pension Fund 1.39 1.38Assured Return Fund 1.39 NABlue Chip Equity Fund 1.39 NABond Fund 1.09 1.05Bond Pension Fund 1.10 1.05Capital Guarantee Fund- 2012 1.39 1.38Capital Guarantee Fund- 2014 1.39 1.38Capital Guarantee Fund- 2017 1.39 1.38Capital Shield-I 3.03 3.03Capital Shield-II 3.58 3.58Cash Fund 2.48 2.48Cash Plus Fund 0.82 0.77Cash Plus Pension Fund 0.82 0.77Debt Fund 2.50 2.48Debt Plus Fund 0.84 0.77Debt Plus Pension Fund 0.84 0.77Equity Fund 2.48 2.48Equity Gain Fund 3.03 3.03Equity Growth Fund 1.93 1.93Equity Growth Fund II 1.49 1.49Equity Growth Pension Fund 1.49 1.80Equity Index Fund 1.13 1.10Equity Index Fund - II 1.39 1.38Equity Index Pension Fund 1.13 1.10Equity Index Pension Fund - II 1.39 1.38Equity Midcap Fund 3.03 3.03Equity Midcap Pension Fund 1.65 1.65Equity Midcap Plus Fund 1.65 1.65Equity Plus Fund 1.65 1.65Equity Plus Pension Fund 1.65 1.65Group Asset Allocation Fund 1.39 1.38Group Debt Fund 1.14 1.10Group Equity Index Fund 1.65 1.65Group Growth Fund-I - 0.00Group Liquid Fund 0.82 0.77Group Short Term Debt Fund 1.03 0.99Growth Plus Fund I 1.49 1.49Growth Plus Fund II 1.49 NAGrowth Plus Fund III 1.49 NALife Long Gain Fund 2.48 2.48Liquid Fund 1.08 1.05Liquid Pension Fund 1.08 1.05Max Gain Fund I 1.65 1.65Max Gain Fund II 1.65 NAPremier Bond Fund 3.03 3.03Premier Debt Fund 2.48 2.48Premier Equity Fund 2.48 2.48Premier Equity Gain Fund 2.48 2.48Premier Equity Growth Fund 3.03 3.03Premier Equity Index Fund 3.03 3.03Pure Equity Fund 1.65 1.65Pure Stock Fund 1.49 1.80Pure Stock Pension Fund 1.49 1.72Secure Fund 1.34 1.32Shield Plus Fund I 1.49 1.49Shield Plus Fund II 1.49 NAShield Plus Fund III 1.49 NAStable Fund 1.34 1.32

Fund Names Income Ratio (%)F.Y.2010-11 F.Y.2009-10

Acc Mid Cap Fund 8.20 70.52Acc Mid Cap Fund II 2.94 12.61Acc Mid Cap Pension Fund 4.91 71.68Accelerated Fund 15.48 42.27Asset Allocation Fund 9.19 27.66Asset Allocation Pension Fund 8.00 23.86Assured Return Fund 1.77 0.00Blue Chip Equity Fund (0.30) 0.00Bond Fund 7.47 9.67Bond Pension Fund 7.68 9.36Capital Guarantee Fund- 2012 6.89 17.86Capital Guarantee Fund- 2014 8.22 18.78Capital Guarantee Fund- 2017 10.69 25.72Capital Shield-I 8.55 18.33Capital Shield-II 11.57 28.82Cash Fund 7.75 9.02Cash Plus Fund 7.75 9.11Cash Plus Pension Fund 8.24 9.75Debt Fund 7.99 9.13Debt Plus Fund 8.00 9.83Debt Plus Pension Fund 8.35 9.99Equity Fund 12.44 51.72Equity Gain Fund 13.52 53.12Equity Growth Fund 14.14 45.66Equity Growth Fund II 15.79 9.17Equity Growth Pension Fund 16.74 51.71Equity Index Fund 12.34 51.82Equity Index Fund - II 11.66 44.47Equity Index Pension Fund 12.19 51.08Equity Index Pension Fund - II 11.98 42.28Equity Midcap Fund 6.98 66.92Equity Midcap Pension Fund 9.81 80.02Equity Midcap Plus Fund 9.81 80.39Equity Plus Fund 11.86 53.91Equity Plus Pension Fund 17.23 60.08Group Asset Allocation Fund 14.54 2.78Group Debt Fund 10.57 9.45Group Equity Index Fund 9.30 -3.86Group Growth Fund-I 6.68 3.73Group Liquid Fund 7.98 10.86Group Short Term Debt Fund 9.55 5.80Growth Plus Fund I 6.81 1.30Growth Plus Fund II (14.74) 0.00Growth Plus Fund III 10.51 0.00Life Long Gain Fund 6.13 8.62Liquid Fund 7.79 8.62Liquid Pension Fund 8.08 8.83Max Gain Fund I 11.59 1.65Max Gain Fund II 3.98 0.00Premier Bond Fund 7.47 9.96Premier Debt Fund 7.27 11.02Premier Equity Fund 12.55 52.33Premier Equity Gain Fund 16.75 59.09Premier Equity Growth Fund 17.93 53.65Premier Equity Index Fund 12.13 47.23Pure Equity Fund 9.40 56.00Pure Stock Fund 8.58 49.51Pure Stock Pension Fund 7.96 52.45Secure Fund 10.23 20.65Shield Plus Fund I 8.63 1.53Shield Plus Fund II 6.71 0.00Shield Plus Fund III 4.72 0.00Stable Fund 8.81 26.17


130

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ciat

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e di

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he a

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reci

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n / d

epre

ciat

ion

is th

e di

ffere

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betw

een

mar

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alue

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k co

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(Am

ount

in R

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:- T

he a

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n / d

epre

ciat

ion

is th

e di

ffere

nce

betw

een

mar

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k co

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ciat

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is th

e di

ffere

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een

mar

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e di

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ount

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he a

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n / d

epre

ciat

ion

is th

e di

ffere

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een

mar

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)

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3,19

9

897

1

12,4

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6,60

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153

3

40,7

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9

91,8

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1

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3

1

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2

(1,

196)

Note

:- T

he a

bove

app

reci

atio

n / d

epre

ciat

ion

is th

e di

ffere

nce

betw

een

mar

ket v

alue

and

boo

k co

st a

s at 3

1st M

arch

201

0.

Part

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ars

Stab

le

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Gran

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tal

Appr

oved

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stm

ents

Gove

rnm

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771)

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rpor

ate

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s

324

1

41,8

14

Infra

stru

ctur

e Bo

nds

(2,

260)

135

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136


(Amount in Rs. '000)Controlled Fund StatementF.Y. 2010-11 F.Y. 2009-10

1 Computation of Controlled fund as per the Balance Sheet Policyholders' Fund (Life Fund)Participating Individual Assurance 21,546,414 15,240,119 Individual Pension 437,321 376,166 Non-participating Individual Assurance 2,590,574 1,030,552 Individual Health 163,927 160,464 Individual Annuity 312,114 183,950 Group Assurance 7,581,846 4,171,640 Linked Individual Assurance 5,526,929 8,670,678 Individual Pension 270,886 448,819 Group 16,664 11,016 Unit Linked 328,841,705 284,146,154 Funds for Future Appropriations 2,929,021 3,874,569 Fair Value Change Account 37,544 28,433 Total (A) 370,254,945 318,342,560 Shareholders' Fund Paid up Capital 1,507,090 1,507,090 Reserves & Surpluses 20,986,962 10,599,550 Fair Value Change 5 - Total (B) 22,494,057 12,106,640 Misc. expenses not written off - - Credit / (Debit) from P&L A/c. - (182,978)Total (C ) - (182,978)Total shareholders' funds (B+C) 22,494,057 11,923,662 Controlled Fund (Total (A+B+C)) 392,749,002 330,266,222

2 Reconciliation of the Controlled Fund from Revenue and Profit & Loss AccountOpening Balance of Controlled Fund (A) 330,266,222 170,182,268 Add: Inflow Income Premium Income 96,099,487 114,197,137 Less: Reinsurance ceded (347,698) (283,480)Net Premium 95,751,789 113,913,657 Investment Income 39,123,659 99,302,163 Other Income 86,869 281,565 Funds transferred from Shareholders' Accounts 316,720 694,463 Total Income 135,279,037 214,191,848 Less: Outgo (i) Benefits paid (Net) 49,846,683 26,301,986 (ii) Interim Bonus Paid 19,558 10,358 (iii) Change in Valuation of Liability 52,848,822 155,788,353 (iv) Commission 6,164,741 9,625,696 (v) Operating Expenses 16,065,847 17,716,252 (vi) Provision for Taxation (a) FBT - - (b) I.T. 1,923,860 653,127 Total Outgo 126,869,511 210,095,772 Surplus of the Policyholders' Fund 8,409,526 4,096,076 Less: transferred to Shareholders' Account From Current Year (8,249,493) (3,992,371) From Previous Years (1,105,581) (1,252,391)Net Flow in Policyholders' account (945,548) (1,148,686) Add: Net income in Shareholders' Fund 10,570,390 5,422,868 Net In Flow / Outflow (B) 9,624,842 4,274,182 Change in valuation Liabilities (C) 52,848,822 155,788,353 Change in Fair Value Change Account (D) 9,116 21,419 Increase in Paid up Capital (E) - - Closing Balance of Controlled Fund (A+B+C+D+E) 392,749,002 330,266,222 As Per Balance Sheet 392,749,002 330,266,222 Difference, if any - -

137

Annual Report 2010-2011Bajaj Allianz Life Insurance Company Ltd. I Controlled Fund Statement

Controlled Fund Statement(Amount in Rs. '000)

F.Y. 2010-11 F.Y. 2009-103 Reconciliation with Shareholders' and Policyholders' Fund3.1 Policyholders' Funds - Traditional-PAR and NON-PAR

Opening Balance of the Policyholders' Fund 22,214,988 14,369,500 Add: Surplus of the Revenue Account 1,010,981 161,484 Less: Surplus transfer to Shareholders' Account (850,948) (209,166) Change in valuation Liabilities 11,469,305 7,871,751 Change in Fair Value Change Account 9,111 21,419 Total 33,853,437 22,214,988 As per Balance Sheet 33,853,437 22,214,988 Difference, if any - -

3.2 Policyholders' Funds - Linked Opening Balance of the Policyholders' Fund 296,127,572 149,311,974 Add: Surplus of the Revenue Account 7,398,545 3,934,592 Less: Surplus transfer to Shareholders' Account (8,504,126) (5,035,596) Change in valuation Liabilities (3,316,034) 4,423,446 Change in Fund Reserve 44,695,551 143,493,156 Total 336,401,508 296,127,572 As per Balance Sheet 336,401,508 296,127,572 Difference, if any - -

3.3 Shareholders' Funds Opening Balance of Shareholders' Fund 11,923,662 6,500,794 Add: Net income of Shareholders' account (P&L) 10,570,390 5,422,868 Change in Fair Value Change Account 5 - Closing Balance of the Shareholders'' fund 22,494,057 11,923,662 As per Balance Sheet 22,494,057 11,923,662 Difference, if any - -


138

Cash Flow Statement for the Year ending 31st March 2011(Amount in Rs. '000)

Particulars Current Year Previous YearCash Flow from Operating Activities Cash receipts from customers- Premium and other receipts 94,903,507 115,176,350 Cash paid towards Operating Activities Expenses (22,380,971) (24,726,033)Benefits paid (49,712,032) (25,916,308)Taxes Paid (1,710,750) (743,803)Reinsurance (Net) (153,802) (410,836)Advance & Deposits (575,851) 501,488 Loan Against Policies (16,803) (53,306)

(74,550,209) (51,348,797)Cash flow before extraordinary item 20,353,298 63,827,553 Extraordinary Item - - Net cash from Operating Activities ( A ) 20,353,298 63,827,553 Cash Flow from Investing Activities Purchase of Fixed Assets (325,712) (663,745)Purchase of Investment (1,061,616,690) (772,020,047)

(1,061,942,402) (772,683,792)Interest and dividend Received 10,463,637 6,026,001 Sale of Investment 1,030,319,965 700,968,716 Sale of Fixed Assets 3,629 3,413

1,040,787,231 706,998,129 Net cash from investing activities ( B ) (21,155,171) (65,685,662)Cash Flow from Financing activities Proceeds from Issuance of Share Capital - - Share Premium received on issuance of Share Capital - -

- - Net cash from Financing Activities ( C ) - - Net Decrease in Cash & Cash Equivalents (D = A + B + C ) (801,873) (1,858,109)Cash & Cash equivalents at the beginning of the Year 7,321,768 9,179,877 Cash & Cash Equivalents at the end of the Period 6,519,895 7,321,768 Components of cash & cash equivalentsCash and Bank Balances ( as per Sch 11) 4,385,098 2,186,908 Cash and Bank Balances ( Unit Linked business) 2,135,814 5,273,217 Temporary overdraft (as per Sch 13 ) (1,017) (138,357)

6,519,895 7,321,768

For Dalal & Shah For B S R & Co For Bajaj Allianz Life Insurance Company LimitedChartered Accountants Chartered AccountantsFirm Registration Firm RegistrationNo. 102021W No. 101248WAnish Amin Juzer Miyajiwala Rahul Bajaj Heinz DollbergPartner Partner Chairman DirectorMember Ship No 40451 Member Ship No 47483

Niraj Bajaj Sanjiv Bajaj Kamesh GoyalDirector Director Alternate DirectorRanjit Gupta S. H. Khan Suraj MehtaDirector Director Director Manu Tandon V Philip Rajesh ViswanathanDirector Managing Director and Chief Financial Officer

Chief Executive OfficerAnil Singh Sameer BakshiAppointed Actuary Company Secretary

and Head- Legal & CompliancePlace : Pune Place : PuneDate : 6th May 2011 Date : 6th May 2011

Notes to Financial statements 16The accompanying notes and schedules form an integral part of the financial statements.As per our report of even date attached

139

Annual Report 2010-2011Bajaj Allianz Life Insurance Company Ltd. I Balance sheet abstract and Company's general business profile

Balance Sheet Abstract and Company's General Business Profile

I. Registration Details

II. Capital raised during the year (Amount in Rs '000)

III. Position of mobilisation and deployment of funds (Amount in Rs '000)

IV Source of Funds (Amount in Rs '000)

V Application of Funds (Amount in Rs '000)

VI. Performance of Company (Amount in Rs '000)

Registration No.15959 25

CINU66010PN2001PLC015959

Balance Sheet Date31 03 2011

Date Month Year

Public Issue Rights Issue- -

Bonus Issue Private Placement- -

Total Liabilities Total Assets392,749,002 392,749,002

Paid-up Capital Reserves and Surplus (shareholders)1,507,090 20,986,962

Secured Loans Unsecured LoansNil Nil

Policyholders funds Others370,254,945 5

Net Fixed Assets Investments1,653,709 393,299,764

Net Current Assets Miscellaneous Expenditure-2,351,549 Nil

Accumulated loss (Shareholders) OthersNil 147,078

Turnover Total Expenditure- -

Profit/Loss before tax Profit/Loss after tax10,816,647 10,570,390

Accumulated Profits-

Earnings per share Dividend rate (%)70.14 0

Note: Being a life insurance company there is no turnover.

State Code

140


VII. Generic Names of Principal Products/Services of Company

Item code no (ITC code) -

Product Description Life Insurance Business

Note:

The Company being a life insurance company the accounts of the Company are not required to be made in accordance with Schedule VI. Further, the Insurance Act, 1938, requires the accounts of the Company to be split between Policyholders' & Shareholders' Account. In view of this it is not possible to give all the information as required in Part III & Part IV of the Schedule.

Balance Sheet Abstract and Company's General Business Profile

For Bajaj Allianz Life Insurance Company Limited

Rahul Bajaj Heinz DollbergChairman Director



Manu Tandon V. Philip Rajesh ViswanathanDirector Managing Director & Chief Financial Officer


Anil Singh Sameer BakshiAppointed Actuary Company Secretary and

Head – Legal & Compliance

Place : PuneDate : 6th May 2011

Annual Report 2010-2011Bajaj Allianz Life Insurance Company Ltd.

Notes

Bajaj Allianz Life Insurance Co. Ltd.G.E. Plaza, Airport Road, Yerawada, Pune - 411 006.www.bajajallianz.com

Insurance is the subject matter of the solicitation BJAZ

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Documents

BALIC Annual Report10 11