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Fact Sheet
February – 2014
InveSTAR
MONTHLY REPORT – FEBRUARY’2014
From the Desk of Chief Investment Officer…
With election code of conduct coming in force, no major policy actions are expected
from the Government. Combinations and permutations for Government formation are
being talked about on the opinion polls. As of now, with the perception of formation of
stable Government, post elections, financial markets are in the up move.
For the quarter ended Dec.’13, GDP growth at 4.7% was marginally lower than that of
quarter ended Sept.’13 at 4.8%. The growth was pulled down due to contraction of
Industry segment as was also apparent from monthly Industrial Production data. Higher
growth of Services Sector buffered contraction of Industrial growth to some extent. The
GDP growth, however, continues to be below 5%, for the last 7 quarters.
On the positive side, retail as well as wholesale inflation cooled off for the second
consecutive month in Jan.’14 to 5% and 8.8% respectively. On the back of lower Gold
and Silver imports and pick-up in exports, merchandise trade deficit has narrowed
significantly and Current Account Deficit (CAD) has dropped to a four year low at 0.9%
of GDP in Q3’14. This coupled with increase in country’s Forex reserves has
strengthened INR vs. US$, while other emerging market currencies have lost strength.
On international front, as political tensions in Ukraine have somewhat abated, financial
markets world over came out of the corrective phase. Outlook for economic growth in
US continues to be positive, implying continuation of QE tapering. On the other hand,
due to weak economic conditions, European Central Bank (ECB) kept its policy rate
unchanged at 0.25% and expectations of monetary easing, is building up. With
expectations of slowdown in China, outlook for metals has turned somewhat negative.
Outlook for Equity Markets
With FII flows turning positive, markets recovered from the corrective phase in the
second half of February. In early March, after a brief correction, the market moved up
sharply as political tensions in Ukraine abated and Nifty made a new all time high. The
sharp up move appears to have stemmed from increased FII flows and pre-election
euphoria with a perception of a stable Government. Improvement in macro position,
especially CAD, Inflation and Fiscal consolidation are also seen positively.
At about 14.5 X to FY15 estimated earnings, Sensex is trading close to long-term
average, indicating room for up-move. However, direction of the market is largely
dependent on FII flows. The pre-election euphoria is likely to continue till
commencement of elections in April.
Outlook for Debt Markets
For the last about 3 months, Bond yields are continuing to be range-bound at elevated
levels apparently tracking policy rate, where a cut by RBI is not foreseen in near future.
As at February end, 10 year Benchmark G-sec. yield closed at 8.86% against 8.82% as
at January end. Tracking appreciation of INR, Bond yield has further softened in early
March.
Going forward, direction of Bond yields will largely depend on the trajectory of CPI
inflation, inflationary expectation and economic growth indicators, based on which RBI
is expected to frame its stance and actions.
Performance Summary as on February 28, 2014
Scheme Name
SFIN
NAV BM NAV BM NAV BM NAV BM NAV BM
Apex Equity Fund
ULIF 009 20/01/10 SUD-LA-EQ1 142
Equity Fund
ULIF 002 25/02/09 SUD-LI-EQ1 142
Individual Pension Fund - Apex Equity
ULIF 013 20/01/10 SUD-PA-EQ1 142
Individual Pension Fund - Equity
ULIF 005 31/03/09 SUD-PI-EQ1 142
Apex Growth Fund
ULIF 010 20/01/10 SUD-LA-GR1 142
Growth Fund
ULIF 003 25/02/09 SUD-LI-GR1 142
Individual Pension Fund - Apex Growth
ULIF 014 20/01/10 SUD-PA-GR1 142
Individual Pension Fund - Growth
ULIF 006 31/03/09 SUD-PI-GR1 142
Apex Balanced Fund
ULIF 011 20/01/10 SUD-LA-BL1 142
Balanced Fund
ULIF 001 18/02/09 SUD-LI-BL1 142
Individual Pension Fund - Apex Balanced
ULIF 015 20/01/10 SUD-PA-BL1 142
Individual Pension Fund - Balanced
ULIF 007 31/03/09 SUD-PI-BL1 142
Express Balanced Fund
ULIF 017 29/04/11 SUD-LX-BL1 142
Apex Bond Fund
ULIF 012 20/01/10 SUD-LA-BN1 142
Bond Fund
ULIF 004 25/02/09 SUD-LI-BN1 142
Individual Pension Fund - Apex Bond
ULIF 016 20/01/10 SUD-PA-BN1 142
Individual Pension Fund - Bond
ULIF 008 31/03/09 SUD-PI-BN1 142
Discontinued Policies Fund
ULIF 018 03/06/11 SUD-UL-DP1 142
Bluechip Equity Fund **
ULIF 019 11/12/13 SUD-LI-EQ2 142
Growth Plus Fund **
ULIF 023 11/12/13 SUD-LI-GR2 142
Balance Plus Fund
ULIF 024 11/12/13 SUD-LI-BL2 142
Income Fund **
ULIF 020 11/12/13 SUD-LI-BN2 142
Total AUM 2664.55
** Full Portfolio Details of the Funds would be provided, once the Fund Size reaches Rs 5 crore.
NA NA NA
22 30/01/2014 4.24 10.03 NA NA NA NA NA NA NA NA NA NA
21 30/01/2014 5.47 10.03 NA NA NA NA
NA NA NANA NA NA
NA NA NA
NA NA NA
20 30/01/2014 3.98 10.05 NA NA NA NA NA NA NA NA NA NA
19 30/01/2014 3.46 10.02 NA
17
18
7.03%
NA
NA
7.03%
6.02%
6.29%
6.61%
7.03%
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
6.41%
5.04%
5.41%
5.81%
6.41%
6.02%
3.91%
5.68%
3.26%
20/01/2010 98.94 12.57
20/01/2010 112.37 12.74
20/01/2010 157.54 12.99
8.76%
Inception
date
AUM (Rs.
Cr)
NAV
(Rs.)
7.86%
13.80%
11.81%
4.89%
13.80%
11.81%
7.86%
4.89%
13.80%
4.89%
13.80%
11.81%
9.85%
4.89%
14.65%
6.14%
15.33%
13.46%
9.49%
6.23%
5.04%
5.41%
5.81%
2 Year (A) 3 Year Since Inception (A)
9.84%
16.91%5.90% 17.53%
5.73%
6.08%
6.02%
6.29%
6.41%
5.48%6.32%
8.17%
6.80%
6.02%
8.04%
8.17%
7.68%
7.42%
6 Month
5.68%
10.31%
8.46%
10.31%
8.46%
14.78% 13.60% 10.49%
12.35% 12.95% 10.51%
10.31%
8.46%
3.91%
1 Year
03/06/2011 192.22 11.84 5.14% 6.29% NA
29/04/2011 50.01 12.04 7.66%
20/01/2010 50.94 12.87 10.22%
20/01/2010 21.14 12.86 4.75%
NA 7.52%9.16%5.14% NA
9.37% 7.91% 6.33%
6.39% 6.86% 6.32%
6.08% 7.47% NA 6.75%
7.12%
3.91%
5.68%7.86%
7.37%
6.41%
6.95%
6.61%9.80%
4.44% 3.21% 6.65% 6.56%
7.12%
3.91%
7.37%
6.41% 7.11%
6.95%
5.87%
20/01/2010 384.42 12.91 10.32% 8.70%9.85% 8.18% 7.08%
6.89% 12.37%
16.18%
8.17%
9.71%
31/03/2009 10.95 13.64 4.99% 5.19% 7.15% 7.41% 6.52%
6.95%
6.41%
6.80%7.02%
14.54%
31/03/2009 67.17 17.75 11.10%
20/01/2010 542.58
8.17%
7.68%
6.02%
6.29%
31/03/2009 64.64 19.49 14.33%
11.81%
14.48% 10.11% 7.00%
7.68% 6.29%
8.46% 7.68%12.64 11.64% 10.08% 8.40% 6.67%
31/03/2009 41.55 15.78 7.87% 7.25% 7.70%
20/01/2010 520.60 12.45 14.60% 11.87% 8.91%
10.12% 8.80%
10.31%
11.63% 8.59%
25/02/2009 23.66 13.66 4.81% 4.74% 7.11% 7.33% 6.52%6.41% 7.03%
Absolute CAGR
18/02/2009 56.00 16.63 7.84% 7.22%
9.03% 7.19%
7.64% 7.11% 10.64%
25/02/2009 101.02 22.55 13.10%
25/02/2009 151.65 21.32 12.52% 11.20%
InveSTAR
142L003V01 142L004V01 142L008V01 142L028V01 142L010V01 142L018V01 142L019V01 142L020V01 142L024V01 142L025V01 142L026V01 142L021V01 142L041V01 142L042V01
Fund Name (SFIN)
Apex Equity Fund
ULIF 009 20/01/10 SUD-LA-EQ1 142
Equity Fund
ULIF 002 25/02/09 SUD-LI-EQ1 142
Individual Pension Fund - Apex Equity
ULIF 013 20/01/10 SUD-PA-EQ1 142
Individual Pension Fund - Equity
ULIF 005 31/03/09 SUD-PI-EQ1 142
Apex Growth Fund
ULIF 010 20/01/10 SUD-LA-GR1 142
Growth Fund
ULIF 003 25/02/09 SUD-LI-GR1 142
Individual Pension Fund - Apex Growth
ULIF 014 20/01/10 SUD-PA-GR1 142
Individual Pension Fund - Growth
ULIF 006 31/03/09 SUD-PI-GR1 142
Apex Balanced Fund
ULIF 011 20/01/10 SUD-LA-BL1 142
Balanced Fund
ULIF 001 18/02/09 SUD-LI-BL1 142
Individual Pension Fund - Apex Balanced
ULIF 015 20/01/10 SUD-PA-BL1 142
Individual Pension Fund - Balanced
ULIF 007 31/03/09 SUD-PI-BL1 142
Express Balanced Fund
ULIF 017 29/04/11 SUD-LX-BL1 142
Apex Bond Fund
ULIF 012 20/01/10 SUD-LA-BN1 142
Bond Fund
ULIF 004 25/02/09 SUD-LI-BN1 142
Individual Pension Fund - Apex Bond
ULIF 016 20/01/10 SUD-PA-BN1 142
Individual Pension Fund - Bond
ULIF 008 31/03/09 SUD-PI-BN1 142
Discontinued Policies Fund
ULIF 018 03/06/11 SUD-UL-DP1 142
Bluechip Equity Fund
ULIF 019 11/12/13 SUD-LI-EQ2 142
Growth Plus Fund
ULIF 023 11/12/13 SUD-LI-GR2 142
Balance Plus Fund
ULIF 024 11/12/13 SUD-LI-BL2 142
Income Fund
ULIF 020 11/12/13 SUD-LI-BN2 142
Funds available under ULIP Products
P P P
1
2
3
4
17
18
Product Name (UIN)Dhan Suraksha
Dhan Suraksha
PremiumPrabhat Tara
11
12
13
14
15
16
5
6
7
8
9
10
P
P
P
P
P
P
New Dhruv Tara Dhan Suraksha
Express
Dhruv Tara
Product
New Dhan
Suraksha
New Dhan
Suraksha PremiumDhan Suraksha 3
Dhan Suraksha
Premium 3Prabhat Tara 3New Prabhat Tara
P
P
P P
P
P
P P
P
P P
P
P
P
P
P
P P
P
P
PP
P P P
P P P P P
P P P
P
P P P P P
P P
20
19
22
21
Dhan Suraksha
Plus
Wealth Builder
Plan
P P
P P
P P
P P
Investment Objective :
Date of Inception : SFIN No.
January 20, 2010 ULIF 009 20/01/10 SUD-LA-EQ1 142
Products: AUM :
RS . 520.60 Cr
Portfolio % to AUM
`
Equity 91.69% Minimum Maximum
Larsen & Toubro Limited 6.68% 80% 100% 91.69%
Reliance Industries Ltd 5.62% 0% 20% 8.31%
Infosys Ltd 4.85%
ICICI Bank Ltd 4.18%
HDFC Bank Ltd 3.68%
Bharti Airtel Limited 3.51%
Axis Bank Limited 3.23%
Mahindra & Mahindra Ltd. 3.13%
Tech Mahindra Limited 3.12%
Tata Motors Limited 3.12%
Oil & Natural Gas Corpn Ltd 2.99%
Tata Consultancy Services Limited 2.95%
ITC Ltd. 2.83%
HCL Technologies Ltd 2.75%
Housing Development Finance Corporation Ltd. 2.64%
Sun Pharmaceuticals Industries Ltd 2.53%
Tata Global Beverages Ltd. 1.99%
State Bank of India 1.89%
Hindustan Petroleum Corporation Ltd. 1.69%
Tata Steel Limited 1.68%
Aditya Birla Nuvo Limited 1.60%
Bajaj Auto Limited 1.50%
NMDC Limited 1.49%
Cairn India Limited 1.43%
Wipro Ltd 1.41%
Dr. Reddys Laboratories Ltd. 1.39%
Hindalco Industries Ltd. 1.38%
Cipla Ltd. 1.34%
Sesa Sterlite Ltd. 1.31%
IndusInd Bank Limited 1.29%
Colgate Palmolive (India) Ltd 1.29%
Coal India Limited 1.22%
Hero Motocorp Ltd. 1.20%
Tata Power Co. Ltd. 1.19%
Idea Cellular Limited 1.14%
Lupin Limited 1.13%
Others (with < 1% exposure) 5.29%
MM & Others 8.31%
Total 100.00%
`
Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since Inception
Apex Equity Fund 2.91% 1.17% 14.60% 11.87% 8.91% 6.32% 5.48%
Benchmark 2.84% 1.70% 13.80% 10.31% 8.17% 6.02% 5.04%
Equity
MM & Others
APEX EQUITY FUND - February 2014
To tap growth opportunities for long term capital appreciation through investments primarily in equity and equity-
related instruments.
Investment PatternActual
Asset Mix
Particulars
For New Dhan Suraksha, New Dhan Suraksha Premium, New
Prabhat Tara, Dhan Suraksha 3, Dhan Suraksha Premium 3 &
Prabhat Tara 3.
Benchmark :
CNX Nifty Index - 90%
CRISIL Liquid Fund Index - 10%
20.24%
15.08%
7.31%
7.23%
6.68%
6.39%
4.65%
3.06%
2.99%
2.83%
Financial & Insurance
Computer programming, consultancy and related activities
Manufacture of coke and refined petroleum products
Manufacture of motor vehicles, trailers and semi-trailers
Civil engineering
Manufacture of pharmaceuticals, medicinal chemical and botanical products
Telecommunications - Infra
Manufacture of Basic Metals
Extraction of crude petroleum and natural gas
Manufacture of tobacco products
Top 10 Industry Exposure ( % to AUM)
Equity91.69%
MM & Others8.31%
Asset Allocation (% to AUM)
8.5
9.0
9.5
10.0
10.5
11.0
11.5
12.0
12.5
13.0
Jan
-10
Mar
-10
Ap
r-1
0Ju
n-1
0A
ug-
10
Sep
-10
No
v-1
0Ja
n-1
1Fe
b-1
1A
pr-
11
Jun
-11
Jul-
11
Sep
-11
No
v-1
1D
ec-1
1Fe
b-1
2M
ar-1
2M
ay-1
2Ju
l-1
2A
ug-
12
Oct
-12
Dec
-12
Jan
-13
Mar
-13
May
-13
Jun
-13
Au
g-1
3O
ct-1
3N
ov-
13
Jan
-14
Feb
-14
NA
V/U
NIT
(R
s)
NAV Performance (Since Inception)
Apex Equity Benchmark
Investment Objective:
Date of Inception : SFIN No.
February 25, 2009 ULIF 002 25/02/09 SUD-LI-EQ1 142
Products : AUM:
Rs. 101.02 Cr
Portfolio % to AUM
`
Equity 92.69% Minimum Maximum
Larsen & Toubro Limited 7.26% 80% 100% 92.69%
Reliance Industries Ltd 6.49% 0% 20% 7.31%
Infosys Ltd 5.93%
ICICI Bank Ltd 5.66%
HDFC Bank Ltd 5.22%
ITC Ltd. 4.88%
Bharti Airtel Limited 3.96%
Tata Consultancy Services Limited 3.80%
Tata Motors Limited 3.50%
Mahindra & Mahindra Ltd. 3.18%
Tech Mahindra Limited 3.12%
Axis Bank Limited 3.05%
Housing Development Finance Corporation Ltd. 2.99%
State Bank of India 2.54%
Wipro Ltd 2.48%
Aditya Birla Nuvo Limited 2.34%
Oil & Natural Gas Corpn Ltd 2.33%
Dr. Reddys Laboratories Ltd. 2.10%
Sun Pharmaceuticals Industries Ltd 1.95%
Bajaj Auto Limited 1.52%
Lupin Limited 1.52%
Sesa Sterlite Ltd. 1.49%
Grasim Industries Ltd. 1.29%
Yes Bank Limited 1.21%
Tata Global Beverages Ltd. 1.19%
Cipla Ltd. 1.07%
Tata Steel Limited 1.06%
Hero Motocorp Ltd. 1.01%
Others (with < 1% exposure) 8.55%
MM & Others 7.31%
Total 100.00%
`
Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since Inception
Equity Fund 2.92% 0.62% 13.10% 11.63% 8.59% 5.90% 17.53%
Benchmark 2.84% 1.70% 13.80% 10.31% 8.17% 6.02% 16.91%
To tap growth opportunities for long term capital appreciation through investments primarily in equity and
equity-related instruments.
Investment PatternActual
Asset Mix
Particulars
Benchmark :
CNX Nifty Index - 90%
CRISIL Liquid Fund Index - 10%
Equity
MM & Others
EQUITY FUND - February 2014
For Dhan Suraksha, Dhan Suraksha Premium, Prabhat
Tara.
22.31%
16.08%
7.78%
7.26%
7.21%
6.63%
4.88%
3.96%
2.73%
2.53%
Financial & Insurance
Computer programming, consultancy and related activities
Manufacture of coke and refined petroleum products
Civil engineering
Manufacture of motor vehicles, trailers and semi-trailers
Manufacture of pharmaceuticals, medicinal chemical and botanical products
Manufacture of tobacco products
Telecommunications - Infra
Extraction of crude petroleum and natural gas
Manufacture of other transport equipment
Top 10 Industry Exposure (% to AUM)
Equity92.69%
MM & Others7.31%
Asset Allocation (% to AUM)
9
11
13
15
17
19
21
23
Feb
-09
May
-09
Au
g-0
9
No
v-0
9
Feb
-10
May
-10
Au
g-1
0
No
v-1
0
Feb
-11
May
-11
Au
g-1
1
No
v-1
1
Feb
-12
May
-12
Au
g-1
2
No
v-1
2
Feb
-13
May
-13
Au
g-1
3
No
v-1
3
Feb
-14
NA
V/U
NIT
(R
s)
NAV Performance (Since Inception)
Equity Fund Benchmark
Investment Objective :
Date of Inception : SFIN No.
January 20, 2010 ULIF 013 20/01/10 SUD-PA-EQ1 142
Products : AUM :
Rs. 98.94 Cr
Portfolio % to AUM
`
Equity 92.48% Minimum Maximum
Larsen & Toubro Limited 8.61% 80% 100% 92.48%
Reliance Industries Ltd 7.19% 0% 20% 7.52%
Infosys Ltd 6.55%
HDFC Bank Ltd 5.18%
Housing Development Finance Corporation Ltd. 4.83%
HCL Technologies Ltd 4.08%
Tata Motors Limited 3.94%
ICICI Bank Ltd 3.79%
State Bank of India 3.74%
Axis Bank Limited 3.69%
Oil & Natural Gas Corpn Ltd 3.39%
Tata Consultancy Services Limited 3.29%
Bharti Airtel Limited 3.26%
Mahindra & Mahindra Ltd. 2.95%
ITC Ltd. 2.77%
Dr. Reddys Laboratories Ltd. 2.14%
Tata Steel Limited 1.99%
Sun Pharmaceuticals Industries Ltd 1.94%
IndusInd Bank Limited 1.86%
Aditya Birla Nuvo Limited 1.81%
Hindustan Petroleum Corporation Ltd. 1.69%
Sesa Sterlite Ltd. 1.63%
Grasim Industries Ltd. 1.62%
Cipla Ltd. 1.55%
Bajaj Auto Limited 1.49%
Colgate Palmolive (India) Ltd 1.27%
Wipro Ltd 1.21%
Hero Motocorp Ltd. 1.14%
Others (with < 1% exposure) 3.91%
MM & Others 7.52%
Total 100.00%
`
Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since Inception
Individual Pension Fund - Apex Equity 3.35% 1.48% 14.78% 13.60% 10.49% 7.42% 5.73%
Benchmark 2.84% 1.70% 13.80% 10.31% 8.17% 6.02% 5.04%
individual Pension FUND APEX EQUITY - February 2014
Equity
For New Dhruv Tara Products
MM & Others
To seek consistent long term capital appreciation through investments primarily in equity and equity-related
instruments by focusing predominantly on well established companies.
Asset Mix
ParticularsInvestment Pattern
Actual
Benchmark :
CNX Nifty Index - 90%
CRISIL Liquid Fund Index - 10%
23.09%
16.10%
8.88%
8.61%
6.89%
5.63%
3.39%
3.26%
2.89%
2.77%
Financial & Insurance
Computer programming, consultancy and related activities
Manufacture of coke and refined petroleum products
Civil engineering
Manufacture of motor vehicles, trailers and semi-trailers
Manufacture of pharmaceuticals, medicinal chemical and
botanical products
Extraction of crude petroleum and natural gas
Telecommunications - Infra
Manufacture of chemicals and chemical products
Manufacture of tobacco products
Top 10 Industry Exposure ( % to AUM)
Equity92.48%
MM & Others7.52%
Asset Allocation (% to AUM)
8.5
9.0
9.5
10.0
10.5
11.0
11.5
12.0
12.5
13.0
Jan
-10
Mar
-10
Ap
r-1
0Ju
n-1
0A
ug-
10
Sep
-10
No
v-1
0Ja
n-1
1Fe
b-1
1A
pr-
11
Jun
-11
Jul-
11
Sep
-11
No
v-1
1D
ec-1
1Fe
b-1
2M
ar-1
2M
ay-1
2Ju
l-1
2A
ug-
12
Oct
-12
Dec
-12
Jan
-13
Mar
-13
May
-13
Jun
-13
Au
g-1
3O
ct-1
3N
ov-
13
Jan
-14
Feb
-14
NA
V/U
NIT
(R
s)
NAV Performance (Since Inception)
Pen Apex Equity Benchmark
Investment Objective :
Date of Inception : SFIN No.
March 31, 2009 ULIF 005 31/03/09 SUD-PI-EQ1 142
Products : AUM :
Rs . 64.64 Cr
Portfolio % to AUM
`
Equity 93.46% Minimum Maximum
Larsen & Toubro Limited 7.92% 80% 100% 93.46%
Reliance Industries Ltd 6.88% 0% 20% 6.54%
Infosys Ltd 5.61%
Housing Development Finance Corporation Ltd. 5.32%
ICICI Bank Ltd 5.18%
HDFC Bank Ltd 4.89%
ITC Ltd. 4.56%
Bharti Airtel Limited 4.19%
Tata Consultancy Services Limited 3.84%
HCL Technologies Ltd 3.61%
Sun Pharmaceuticals Industries Ltd 3.45%
Mahindra & Mahindra Ltd. 3.12%
Axis Bank Limited 3.00%
State Bank of India 2.76%
Tata Motors Limited 2.62%
Oil & Natural Gas Corpn Ltd 2.52%
Aditya Birla Nuvo Limited 2.12%
Bajaj Auto Limited 2.01%
Dr. Reddys Laboratories Ltd. 1.90%
Wipro Ltd 1.85%
Lupin Limited 1.71%
Sesa Sterlite Ltd. 1.43%
Grasim Industries Ltd. 1.32%
Tech Mahindra Limited 1.30%
Cipla Ltd. 1.19%
Tata Steel Limited 1.17%
Hero Motocorp Ltd. 1.09%
Others (with < 1% exposure) 6.91%
MM & Others 6.54%
Total 100.00%
`
Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since Inception
Individual Pension Fund - Equity 3.20% 1.58% 14.33% 14.48% 10.11% 7.00% 14.54%
Benchmark 2.84% 1.70% 13.80% 10.31% 8.17% 6.02% 15.33%
MM & Others
Individual pension FUND EQUITY - February 2014
Equity
For Dhruv Tara Products
To seek consistent long term capital appreciation through investments primarily in equity and equity-related
instruments by focusing predominantly on well established companies.
Asset Mix
ParticularsInvestment Pattern
Actual
Benchmark :
CNX Nifty Index - 90%
CRISIL Liquid Fund Index - 10%
23.12%
16.21%
8.25%
7.92%
7.87%
6.23%
4.56%
4.19%
3.10%
2.52%
Financial & Insurance
Computer programming, consultancy and related activities
Manufacture of pharmaceuticals, medicinal chemical and botanical products
Civil engineering
Manufacture of coke and refined petroleum products
Manufacture of motor vehicles, trailers and semi-trailers
Manufacture of tobacco products
Telecommunications - Infra
Manufacture of other transport equipment
Extraction of crude petroleum and natural gas
Top 10 Industry Exposure ( % to AUM)
Equity93.46%
MM & Others6.54%
Asset Allocation (% to AUM)
9.5
10.5
11.5
12.5
13.5
14.5
15.5
16.5
17.5
18.5
19.5
20.5
21.5
Mar
-09
May
-…Ju
l-0
9O
ct-0
9D
ec-0
9Fe
b-1
0A
pr-
10
Jun
-10
Au
g-1
0O
ct-1
0D
ec-1
0Fe
b-1
1A
pr-
11
Jun
-11
Au
g-1
1O
ct-1
1D
ec-1
1Fe
b-1
2A
pr-
12
Jun
-12
Au
g-1
2O
ct-1
2D
ec-1
2Fe
b-1
3A
pr-
13
Jun
-13
Au
g-1
3O
ct-1
3D
ec-1
3Fe
b-1
4
NA
V/U
NIT
(R
s)
NAV Performance (Since Inception)
Pen Equity Benchmark
Investment Objective :
Date of Inception : SFIN No.
January 20, 2010 ULIF 010 20/01/10 SUD-LA-GR1 142
Products : AUM :
Rs. 542.58 Cr
Portfolio % to AUM
`
Equity 70.94% Minimum Maximum
Larsen & Toubro Limited 4.22% 55% 85% 70.94%
Reliance Industries Ltd 3.91% 15% 45% 29.06%
Infosys Ltd 3.55%
Tech Mahindra Limited 3.39%
ICICI Bank Ltd 3.38%
Tata Consultancy Services Limited 3.34%
Bharti Airtel Limited 2.80%
Axis Bank Limited 2.66%
Mahindra & Mahindra Ltd. 2.56%
Oil & Natural Gas Corpn Ltd 2.43%
HDFC Bank Ltd 2.41%
HCL Technologies Ltd 2.24%
Sun Pharmaceuticals Industries Ltd 2.12%
Tata Global Beverages Ltd. 2.00%
Tata Motors Limited 1.69%
Housing Development Finance Corporation Ltd. 1.68%
ITC Ltd. 1.61%
Aditya Birla Nuvo Limited 1.55%
Tata Steel Limited 1.32%
Hindustan Petroleum Corporation Ltd. 1.28%
IndusInd Bank Limited 1.27%
Wipro Ltd 1.21%
Cipla Ltd. 1.18%
Hindalco Industries Ltd. 1.14%
Idea Cellular Limited 1.09%
Bajaj Auto Limited 1.09%
Sesa Sterlite Ltd. 1.05%
NMDC Limited 1.05%
State Bank of India 1.03%
Colgate Palmolive (India) Ltd 1.01%
Others (with < 1% exposure) 9.65%
Debt 23.85%
Gilts & SDL 4.84%
GOI 4.46%
SDL (with < 1% exposure) 0.38%
Corporate Bonds 19.01%
Power Finance Corporation Limited 2.40%
Power Grid Corporation of India Limited 2.25%
Rural Electrification Corporation Limited 2.24%
LIC Housing Finance Ltd 1.31%
Others (with < 1% exposure) 10.80%
MM & Others 5.21%
Total 100.00%
`
Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since Inception
Apex Growth Fund 2.08% 1.21% 11.64% 10.08% 8.40% 6.67% 5.87%
Benchmark 2.24% 1.66% 11.81% 8.46% 7.68% 6.29% 5.41%
Equity
Debt, MM & Others
APEX GROWTH FUND - February 2014
To aim for medium to long term capital appreciation by maintaining a diversified portfolio of equity and equity
related instruments and fair exposure to high credit quality portfolio of debt and money market instruments.
Investment PatternActual
Asset Mix
Particulars
For New Dhan Suraksha, New Dhan Suraksha Premium,
New Prabhat Tara, Dhan Suraksha 3, Dhan Suraksha
Premium 3 & Prabhat Tara 3.
Benchmark :
CNX Nifty Index - 70%
CRISIL Composite Bond Index - 30%
18.25%
13.98%
6.96%
5.64%
5.33%
5.25%
4.71%
4.51%
3.89%
3.40%
Financial & Insurance
Computer programming, consultancy and related activities
Manufacture of coke and refined petroleum products
Manufacture of pharmaceuticals, medicinal chemical and botanical products
Infrastructure finance services
Manufacture of motor vehicles, trailers and semi-trailers
Electricity, Gas, Steam and Aircondition Supply - Infra
Civil engineering
Telecommunications - Infra
Manufacture of Basic Metals
Top 10 Industry Exposure ( % to AUM)< 1 year 1-3 years 3-5 years 5-10 years > 10 years
7.16%10.49%
14.43%
46.79%
21.13%
Debt Maturity Profile ( % of Debt)
Debt23.85%
Equity70.94%
MM & Others5.21%
Asset Allocation (% to AUM)
9.0
9.5
10.0
10.5
11.0
11.5
12.0
12.5
13.0
Jan
-10
Mar
-10
Ap
r-1
0Ju
n-1
0A
ug-
10
Sep
-10
No
v-1
0Ja
n-1
1Fe
b-1
1A
pr-
11
Jun
-11
Jul-
11
Sep
-11
No
v-1
1D
ec-1
1Fe
b-1
2M
ar-1
2M
ay-1
2Ju
l-1
2A
ug-
12
Oct
-12
Dec
-12
Jan
-13
Mar
-13
May
-13
Jun
-13
Au
g-1
3O
ct-1
3N
ov-
13
Jan
-14
Feb
-14
NA
V/U
NIT
(R
s)
NAV Performance (Since Inception)
Apex Growth Benchmark
Gilt20.63%
AAA63.37%
AA1.55%
AA+14.46%
Debt Rating Profile (% of Debt)
Modified Duration - 3.81 yrs
Investment Objective :
Date of Inception : SFIN No.
February 25, 2009 ULIF 003 25/02/09 SUD-LI-GR1 142
Products : AUM:
Rs. 151.65 Cr
Portfolio % to AUM
`
Equity 69.47% Minimum Maximum
Larsen & Toubro Limited 5.64% 40% 100% 69.47%
Infosys Ltd 5.33% 0% 60% 30.53%
Tata Consultancy Services Limited 3.70%
Reliance Industries Ltd 3.63%
ICICI Bank Ltd 3.23%
Axis Bank Limited 3.12%
Tech Mahindra Limited 2.85%
Bharti Airtel Limited 2.84%
ITC Ltd. 2.81%
Mahindra & Mahindra Ltd. 2.56%
Sun Pharmaceuticals Industries Ltd 2.10%
Housing Development Finance Corporation Ltd. 2.08%
HDFC Bank Ltd 2.07%
Tata Motors Limited 1.92%
Oil & Natural Gas Corpn Ltd 1.91%
Aditya Birla Nuvo Limited 1.80%
HCL Technologies Ltd 1.74%
Bajaj Auto Limited 1.63%
State Bank of India 1.17%
Grasim Industries Ltd. 1.08%
Dr. Reddys Laboratories Ltd. 1.02%
Others (with < 1% exposure) 15.23%
Debt 23.01%
Gilts & SDL 6.81%
GOI 5.82%
Corporate Bonds 16.20%
Power Finance Corporation Limited 2.42%
Steel Authority of India Ltd. 2.03%
Reliance Ports & Terminals Ltd. 1.36%
Tata Capital Financial Services Ltd 1.31%
The Indian Hotels Company Limited 1.30%
Housing Development Finance Corporation Ltd. 1.16%
Reliance Capital Limited 1.06%Others (with < 1% exposure) 5.55%
MM & Others 7.53%
Total 100.00%
`
Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since Inception
Growth Fund 2.19% 1.48% 12.52% 11.20% 9.03% 7.19% 16.18%
Benchmark 2.24% 1.66% 11.81% 8.46% 7.68% 6.29% 14.65%
Equity
Debt, MM & Others
To aim for medium to long term capital appreciation by maintaining a diversified portfolio of equity and equity
related instruments and fair exposure to high credit quality portfolio of debt and money market instruments.
Investment PatternActual
Asset Mix
Particulars
GROWTH FUND - February 2014
For Dhan Suraksha, Dhan Suraksha Premium, Prabhat Tara
& Dhan Suraksha Express.
Benchmark :
CNX Nifty Index - 70%
CRISIL Composite Bond Index - 30%
17.62%
14.70%
6.00%
5.96%
5.03%
4.87%
4.19%
3.76%
3.69%
2.81%
Financial & Insurance
Computer programming, consultancy and related activities
Manufacture of coke and refined petroleum products
Civil engineering
Manufacture of pharmaceuticals, medicinal chemical and botanical products
Manufacture of motor vehicles, trailers and semi-trailers
Manufacture of Basic Metals
Telecommunications - Infra
Infrastructure finance services
Manufacture of tobacco products
Top 10 Industry Exposure ( % to AUM)
< 1 year 1-3 years 3-5 years 5-10 years > 10 years
13.51%14.82% 14.11%
33.43%
24.14%
Debt Maturity Profile ( % of Debt)
Gilt29.59%
AAA54.17%
AA6.24%
AA+10.00%
Debt Rating Profile (% of Debt)
9
10
11
12
13
14
15
16
17
18
19
20
21
22
Feb
-09
May
-09
Au
g-0
9
No
v-0
9
Feb
-10
May
-10
Au
g-1
0
No
v-1
0
Feb
-11
May
-11
Au
g-1
1
No
v-1
1
Feb
-12
May
-12
Au
g-1
2
No
v-1
2
Feb
-13
May
-13
Au
g-1
3
No
v-1
3
Feb
-14
NA
V/U
NIT
(R
s)
NAV Performance (Since Inception)Growth Fund Benchmark
Debt23.01%
Equity69.47%
MM & Others7.53%
Asset Allocation (% to AUM)
Modified Duration - 3.24 yrs
Investment Objective :
Date of Inception : SFIN No.
January 20, 2010 ULIF 014 20/01/10 SUD-PA-GR1 142
Products : AUM :
Rs. 112.37 Cr
Portfolio % to AUM
`
Equity 71.09% Minimum Maximum
Larsen & Toubro Limited 5.71% 55% 85% 71.09%
Reliance Industries Ltd 5.16% 15% 45% 28.91%
Infosys Ltd 5.15%
Housing Development Finance Corporation Ltd. 4.33%
HDFC Bank Ltd 4.04%
Tata Consultancy Services Limited 4.04%
Bharti Airtel Limited 3.51%
Axis Bank Limited 3.22%
Mahindra & Mahindra Ltd. 2.85%
ITC Ltd. 2.82%
ICICI Bank Ltd 2.63%
Tech Mahindra Limited 2.50%
HCL Technologies Ltd 2.42%
Sun Pharmaceuticals Industries Ltd 2.01%
Tata Motors Limited 1.94%
Aditya Birla Nuvo Limited 1.82%
Bajaj Auto Limited 1.75%
Tata Steel Limited 1.67%
State Bank of India 1.62%
Lupin Limited 1.55%
Cipla Ltd. 1.52%
Grasim Industries Ltd. 1.04%
Others (with < 1% exposure) 7.79%
Debt 25.22%
Gilts & SDL 4.14%
GOI 2.74%SDL (with < 1% exposure) 1.40%
Corporate Bonds 21.07%
Reliance Ports & Terminals Ltd. 3.66%
Housing Development Finance Corporation Ltd. 3.52%
Power Finance Corporation Limited 2.29%
LIC Housing Finance Ltd 1.91%
Dr. Reddy's Laboratories Ltd. 1.80%
TATA Sons 1.13%Others (with < 1% exposure) 6.76%
MM & Others 3.70%
Total 100.00%
`
Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since Inception
Individual Pension Fund - Apex Growth 2.29% 1.57% 12.35% 12.95% 10.51% 8.04% 6.08%
Benchmark 2.24% 1.66% 11.81% 8.46% 7.68% 6.29% 5.41%
individual Pension FUND APEX Growth - February 2014
Equity
For New Dhruv Tara Products
Debt, MM & Others
To seek consistent growth over medium to long term by focusing predominantly on well established
companies through investments primarily in equity and equity-related instruments and fair exposure to high
credit quality portfolio of debt and money market instruments.
Asset Mix
ParticularsInvestment Pattern
Actual
Benchmark :
CNX Nifty Index - 70%
CRISIL Composite Bond Index - 30%
19.38%
14.56%
7.86%
6.55%
6.01%
5.43%
4.79%
3.74%
3.66%
3.51%
Financial & Insurance
Computer programming, consultancy and related activities
Manufacture of pharmaceuticals, medicinal chemical and botanical products
Civil engineering
Manufacture of coke and refined petroleum products
Housing Sector
Manufacture of motor vehicles, trailers and semi-trailers
Manufacture of Basic Metals
Warehousing and support activities for transportation - Infra
Telecommunications - Infra
Top 10 Industry Exposure ( % to AUM)
< 1 year 1-3 years 3-5 years 5-10 years > 10 years
24.02%
19.33%
3.55%
45.54%
7.56%
Debt Maturity Profile ( % of Debt)
Debt25.22%
Equity71.09%
MM & Others3.70%
Asset Allocation (% to AUM)
Gilt16.42%
AAA74.73%
AA+8.85%
Debt Rating Profile (% of Debt)
9.0
9.5
10.0
10.5
11.0
11.5
12.0
12.5
13.0
Jan
-10
Mar
-10
Ap
r-1
0Ju
n-1
0A
ug-
10
Sep
-10
No
v-1
0Ja
n-1
1Fe
b-1
1A
pr-
11
Jun
-11
Jul-
11
Sep
-11
No
v-1
1D
ec-1
1Fe
b-1
2M
ar-1
2M
ay-1
2Ju
l-1
2A
ug-
12
Oct
-12
Dec
-12
Jan
-13
Mar
-13
May
-13
Jun
-13
Au
g-1
3O
ct-1
3N
ov-
13
Jan
-14
Feb
-14
NA
V/U
NIT
(R
s)
NAV Performance (Since Inception)
Pen Apex Growth Benchmark
Modified Duration - 2.83 yrs
Investment Objective :
Date of Inception : SFIN No.
March 31, 2009 ULIF 006 31/03/09 SUD-PI-GR1 142
Products : AUM :
Rs. 67.17 Cr
Portfolio % to AUM
`
Equity 72.03% Minimum Maximum
Reliance Industries Ltd 6.33% 40% 100% 72.03%
Larsen & Toubro Limited 6.26% 0% 60% 27.97%
Tata Consultancy Services Limited 4.75%
ICICI Bank Ltd 3.88%
HDFC Bank Ltd 3.76%
HCL Technologies Ltd 3.65%
Bharti Airtel Limited 3.55%
Housing Development Finance Corporation Ltd. 3.42%
Infosys Ltd 3.38%
Sun Pharmaceuticals Industries Ltd 3.26%
Tata Steel Limited 2.97%
Axis Bank Limited 2.96%
Bajaj Auto Limited 2.64%
Mahindra & Mahindra Ltd. 2.34%
State Bank of India 2.30%
Aditya Birla Nuvo Limited 2.05%
Grasim Industries Ltd. 1.83%
Colgate Palmolive (India) Ltd 1.67%
Dr. Reddys Laboratories Ltd. 1.67%
IndusInd Bank Limited 1.47%
Oil & Natural Gas Corpn Ltd 1.43%
Sesa Sterlite Ltd. 1.35%
ITC Ltd. 1.29%
Others (with < 1% exposure) 3.81%
Debt 25.38%
Gilts & SDL 1.35%
GOI 1.25%
SDL (with < 1% exposure) 0.10%
Corporate Bonds 24.03%
Steel Authority of India Ltd. 3.07%
Tech Mahindra Limited 2.68%
The Great Eastern Shipping Co. Limited 2.51%
Housing Development Finance Corporation Ltd. 1.90%
Indian Oil Corporation Ltd 1.85%
Power Grid Corporation of India Limited 1.49%
Indian Railway Financial Corporation Ltd. 1.49%
Tata Communications Limited 1.49%
Rural Electrification Corporation Limited 1.47%
The Indian Hotels Company Limited 1.47%
Power Finance Corporation Limited 1.33%
Reliance Capital Limited 1.04%
Others (with < 1% exposure) 2.23%
MM & Others 2.59%
Total 100.00%
`
Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since Inception
Individual Pension Fund - Growth 2.06% 1.18% 11.10% 10.12% 8.80% 6.89% 12.37%
Benchmark 2.24% 1.66% 11.81% 8.46% 7.68% 6.29% 13.46%
Equity
Debt, MM & Others
ParticularsInvestment Pattern
Actual
To seek consistent growth over medium to long term by focusing predominantly on well established companies
through investments primarily in equity and equity-related instruments and fair exposure to high credit quality portfolio
of debt and money market instruments.
Asset Mix
Individual pension FUND GROWTH - February 2014
For Dhruv Tara Products
Benchmark :
CNX Nifty Index - 70%
CRISIL Composite Bond Index - 30%
19.24%
14.47%
8.61%
6.34%
6.26%
5.42%
5.04%
4.29%
3.50%
3.22%
Financial & Insurance
Computer programming, consultancy and related activities
Manufacture of coke and refined petroleum products
Manufacture of Basic Metals
Civil engineering
Manufacture of pharmaceuticals, medicinal chemical and botanical products
Telecommunications - Infra
Infrastructure finance services
Manufacture of chemicals and chemical products
Manufacture of other transport equipment
Top 10 Industry Exposure ( % to AUM)
< 1 year 1-3 years 3-5 years 5-10 years > 10 years
40.08%
19.05%
14.44%
21.17%
5.27%
Debt Maturity Profile ( % of Debt)
Gilt5.33%
AAA81.67%
AA6.97%
AA+6.03%
Debt Rating Profile (% of Debt)
9.09.5
10.010.511.011.512.012.513.013.514.014.515.015.516.016.517.017.518.018.519.019.5
Mar
-09
May
-09
Jul-
09
Oct
-09
Dec
-09
Feb
-10
Ap
r-1
0Ju
n-1
0A
ug-
10
Oct
-10
Dec
-10
Feb
-11
Ap
r-1
1Ju
n-1
1A
ug-
11
Oct
-11
Dec
-11
Feb
-12
Ap
r-1
2Ju
n-1
2A
ug-
12
Oct
-12
Dec
-12
Feb
-13
Ap
r-1
3Ju
n-1
3A
ug-
13
Oct
-13
Dec
-13
Feb
-14
NA
V/U
NIT
(R
s)
NAV Performance (Since Inception)
Pen Growth Benchmark
Debt25.38%
Equity72.03%
MM & Others2.59%
Asset Allocation (% to AUM)
Modified Duration - 1.95 yrs
Investment Objective :
Date of Inception : SFIN No.
January 20, 2010 ULIF 011 20/01/10 SUD-LA-BL1 142
Products : AUM :
Rs. 384.42 Cr
Portfolio % to AUM
`
Equity 47.90% Minimum Maximum
Infosys Ltd 3.33% 35% 65% 47.90%
Larsen & Toubro Limited 3.11% 35% 65% 52.10%
Reliance Industries Ltd 2.64%
ICICI Bank Ltd 2.49%
Tech Mahindra Limited 2.29%
Bharti Airtel Limited 2.24%
Axis Bank Limited 2.08%
Mahindra & Mahindra Ltd. 1.95%
HCL Technologies Ltd 1.82%
Tata Consultancy Services Limited 1.81%
HDFC Bank Ltd 1.60%
ITC Ltd. 1.59%
Sun Pharmaceuticals Industries Ltd 1.58%
Tata Global Beverages Ltd. 1.32%
Aditya Birla Nuvo Limited 1.29%
Oil & Natural Gas Corpn Ltd 1.27%
Housing Development Finance Corporation Ltd. 1.25%
Tata Motors Limited 1.08%
Others (with < 1% exposure) 13.17%
Debt 41.26%
Gilts & SDL 11.80%
GOI 9.02%
SDL (with < 1% exposure) 2.78%
Corporate Bonds 29.46%
Power Finance Corporation Limited 5.42%
Power Grid Corporation of India Limited 3.49%
LIC Housing Finance Ltd 3.14%
Reliance Ports & Terminals Ltd. 1.47%
Raymond Ltd. 1.32%
United Phosphorus Limited 1.31%
Hindustan Petroleum Corporation Ltd. 1.26%
Rural Electrification Corporation Limited 1.18%
Infrastructure Leasing & Financial Services Ltd. 1.18%
Others (with < 1% exposure) 9.70%
MM & Others 10.84%
Total 100.00%
`
Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since Inception
Apex Balanced Fund 1.66% 1.46% 10.32% 8.70% 8.18% 7.08% 6.41%
Benchmark 1.69% 1.66% 9.85% 7.12% 7.37% 6.61% 5.81%
Equity
Debt, MM & Others
To optimize returns over medium to long term, by aiming balance between risk and return, through
investments in high quality equity and debt instruments.
For New Dhan Suraksha, New Dhan Suraksha
Premium, New Prabhat Tara, Dhan Suraksha 3, Dhan
Suraksha Premium 3 & Prabhat Tara 3.
Benchmark :
CNX Nifty Index - 50%
CRISIL Composite Bond Index - 50%
APEX BALANCED FUND - February 2014
Investment PatternActual
Asset Mix
Particulars
14.94%
9.93%
8.51%
4.92%
4.83%
4.31%
3.91%
3.76%
3.29%
2.85%
Financial & Insurance
Computer programming, consultancy and related activities
Infrastructure finance services
Manufacture of coke and refined petroleum products
Electricity, Gas, Steam and Aircondition Supply - Infra
Manufacture of pharmaceuticals, medicinal chemical and
botanical products
Civil engineering
Housing Sector
Manufacture of motor vehicles, trailers and semi-trailers
Manufacture of Basic Metals
Top 10 Industry Exposure ( % to AUM)
< 1 year 1-3 years 3-5 years 5-10 years > 10 years
7.59% 9.08%
14.86%
51.25%
17.21%
Debt Maturity Profile ( % of Debt)
Debt41.26%
Equity47.90%
MM & Others10.84%
Asset Allocation( % to AUM)
Gilt29.53%
AAA57.72%
AA1.29%
AA+11.46%
Debt Rating Profile (% of Debt)
9
9.5
10
10.5
11
11.5
12
12.5
13
13.5
Jan
-10
Mar
-10
Ap
r-1
0Ju
n-1
0A
ug-
10
Sep
-10
No
v-1
0Ja
n-1
1Fe
b-1
1A
pr-
11
Jun
-11
Jul-
11
Sep
-11
No
v-1
1D
ec-1
1Fe
b-1
2M
ar-1
2M
ay-…
Jul-
12
Au
g-1
2O
ct-1
2D
ec-1
2Ja
n-1
3M
ar-1
3M
ay-…
Jun
-13
Au
g-1
3O
ct-1
3N
ov-
13
Jan
-14
Feb
-14
NA
V/U
NIT
(R
s)
NAV Performance (Since Inception)
Apex Balance Benchmark
Modified Duration - 3.80 yrs
Investment Objective :
Date of Inception : SFIN No.
February 18, 2009 ULIF 001 18/02/09 SUD-LI-BL1 142
Products : AUM :
Rs. 56.00 Cr
% to AUM
`
Equity 34.53% Minimum Maximum
Infosys Ltd 4.45% 0% 60% 34.53%
Reliance Industries Ltd 3.25% 40% 100% 65.47%
Larsen & Toubro Limited 3.25%
Dr. Reddys Laboratories Ltd. 2.07%
ICICI Bank Ltd 2.05%
ITC Ltd. 1.98%
Tata Consultancy Services Limited 1.91%
Tata Steel Limited 1.79%
Bharti Airtel Limited 1.39%
State Bank of India 1.36%
Colgate Palmolive (India) Ltd 1.24%
Housing Development Finance Corporation Ltd. 1.23%
Mahindra & Mahindra Ltd. 1.18%
HDFC Bank Ltd 1.11%
Oil & Natural Gas Corpn Ltd 1.09%
Bajaj Auto Limited 1.04%
Others (with < 1% exposure) 4.15%
Debt 58.14%
Gilts & SDL 12.50%
GOI 10.58%
SDL (with < 1% exposure) 1.93%
Corporate Bonds 45.64%
Housing Development Finance Corporation Ltd. 5.45%
Larsen & Toubro Limited 3.61%
The Great Eastern Shipping Co. Limited 3.55%
Rural Electrification Corporation Limited 3.54%
Steel Authority of India Ltd. 3.46%
Indian Oil Corporation Ltd 2.93%
Dr. Reddy's Laboratories Ltd. 2.70%
The Indian Hotels Company Limited 2.65%
Power Finance Corporation Limited 2.15%
Tech Mahindra Limited 2.14%
Tata Communications Limited 1.96%
Reliance Capital Limited 1.96%
Raymond Ltd. 1.81%
Reliance Ports & Terminals Ltd. 1.65%
Power Grid Corporation of India Limited 1.56%
Indian Railway Financial Corporation Ltd. 1.43%
LIC Housing Finance Ltd 1.21%
Others (with < 1% exposure) 1.87%
MM & Others 7.32%
Total 100.00%
`
Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since Inception
Balanced Fund 1.04% 1.08% 7.84% 7.22% 7.64% 7.11% 10.64%
Benchmark 1.13% 1.64% 7.86% 5.68% 6.95% 6.80% 9.84%
Equity
Debt, MM & Others
BALANCED FUND - February 2014
To aim for stable returns over medium to long term through investments in high quality fixed income and
money market instruments and enhance returns through a fair exposure to equity investments.
Investment PatternActual
Asset Mix
Particulars
For Dhan Suraksha, Dhan Suraksha Premium, Prabhat
Tara.
Benchmark :
CNX Nifty Index - 30%
CRISIL Composite Bond Index - 70%
11.26%
8.50%
7.12%
6.86%
6.66%
6.18%
5.25%
4.77%
3.55%
3.35%
Financial & Insurance
Computer programming, consultancy and related activities
Infrastructure finance services
Civil engineering
Housing Sector
Manufacture of coke and refined petroleum products
Manufacture of Basic Metals
Manufacture of pharmaceuticals, medicinal chemical
and botanical products
Water transport
Telecommunications - Infra
Top 10 Industry Exposure ( % to AUM)
< 1 year 1-3 years 3-5 years 5-10 years > 10 years
25.13%
21.28%
17.45%
22.53%
13.62%
Debt Maturity Profile (% of Debt)
Debt58.14%
Equity34.53%
MM & Others7.32%
Asset Allocation (% to AUM)
Gilt22.20%
AAA64.82%
AA4.70%
AA+8.28%
Debt Rating Profile (% of Debt)
9.5
10
10.5
11
11.5
12
12.5
13
13.5
14
14.5
15
15.5
16
16.5
17
17.5
Feb
-09
May
-09
Au
g-0
9
No
v-0
9
Feb
-10
May
-10
Au
g-1
0
No
v-1
0
Feb
-11
May
-11
Au
g-1
1
No
v-1
1
Feb
-12
May
-12
Au
g-12
No
v-1
2
Feb
-13
May
-13
Au
g-1
3
No
v-1
3
Feb
-14
NA
V/U
NIT
(R
s)
NAV Performance (Since Inception)
Balance Fund Benchmark
Modified Duration - 2.77 yrs
Investment Objective :
Date of Inception : SFIN No.
January 20, 2010 ULIF 015 20/01/10 SUD-PA-BL1 142
Products : AUM :
Rs. 50.94 Cr
Portfolio % to AUM
`
Equity 52.69% Minimum Maximum
Reliance Industries Ltd 4.66% 35% 65% 52.69%
Larsen & Toubro Limited 4.29% 35% 65% 47.31%
HDFC Bank Ltd 4.27%
Mahindra & Mahindra Ltd. 3.48%
Tata Consultancy Services Limited 3.37%
HCL Technologies Ltd 3.13%
Oil & Natural Gas Corpn Ltd 2.80%
Housing Development Finance Corporation Ltd. 2.58%
Colgate Palmolive (India) Ltd 2.46%
State Bank of India 1.53%
Sun Pharmaceuticals Industries Ltd 1.52%
Tech Mahindra Limited 2.41%
Infosys Ltd 2.30%
Tata Steel Limited 2.07%
Bharti Airtel Limited 1.98%
Cipla Ltd. 1.51%
Axis Bank Limited 1.49%
IndusInd Bank Limited 1.44%
ICICI Bank Ltd 1.33%
Grasim Industries Ltd. 1.22%
Others (with < 1% exposure) 2.84%
Debt 41.58%
Gilts & SDL 12.20%
GOI 7.85%
State Government - Tamil Nadu 1.88%
SDL - Gujarat 1.87%
SDL - Other States (with < 1% exposure) 0.60%
Corporate Bonds 29.38%
Reliance Ports & Terminals Ltd. 5.05%
Housing Development Finance Corporation Ltd. 3.89%
Larsen & Toubro Limited 3.75%
Power Finance Corporation Limited 3.69%
Infrastructure Leasing & Financial Services Ltd. 1.98%
TATA Sons 1.93%
LIC Housing Finance Ltd 1.88%
Reliance Gas Transportation Infrastructure Limited 1.00%Others (with < 1% exposure) 6.21%
MM & Others 5.73%
Total 100.00%
`
Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since Inception
Individual Pension Fund - Apex Balanced 1.84% 1.71% 10.22% 9.80% 9.37% 7.91% 6.33%
Benchmark 1.69% 1.66% 9.85% 7.12% 7.37% 6.61% 5.81%
individual Pension FUND APEX balanced - February 2014
Equity
For New Dhruv Tara Products
Debt, MM & Others
To optimize returns over medium to long term, by aiming balance between risk and return, through
investments in high quality equity and debt instruments.
Asset Mix
ParticularsInvestment Pattern
Actual
Benchmark :
CNX Nifty Index - 50%
CRISIL Composite Bond Index - 50%
15.56%
12.00%
8.04%
6.64%
5.77%
5.40%
5.05%
3.96%
3.89%
3.69%
Financial & Insurance
Computer programming, consultancy and related activities
Civil engineering
Infrastructure finance services
Housing Sector
Manufacture of coke and refined petroleum products
Warehousing and support activities for transportation - Infra
Manufacture of Basic Metals
Manufacture of motor vehicles, trailers and semi-trailers
Manufacture of chemicals and chemical products
Top 10 Industry Exposure ( % to AUM)
< 1 year 1-3 years 5-10 years > 10 years
13.08%16.13%
56.36%
14.44%
Debt Maturity Profile ( % of Debt)
Gilt29.34%
AAA67.52%
AA+3.14%
Debt Rating Profile (% of Debt)
9.3
9.8
10.3
10.8
11.3
11.8
12.3
12.8
13.3
Jan
-10
Mar
-10
Ap
r-1
0Ju
n-1
0A
ug-
10
Sep
-10
No
v-1
0Ja
n-1
1Fe
b-1
1A
pr-
11
Jun
-11
Jul-
11
Sep
-11
No
v-1
1D
ec-1
1Fe
b-1
2M
ar-1
2M
ay-1
2Ju
l-1
2A
ug-
12
Oct
-12
Dec
-12
Jan
-13
Mar
-13
May
-13
Jun
-13
Au
g-1
3O
ct-1
3N
ov-
13
Jan
-14
Feb
-14
NA
V/U
NIT
(R
s)
NAV Performance (Since Inception)
Pen Apex Bal Benchmark
Debt41.58%
Equity52.69%
MM & Others5.73%
Asset Allocation (% to AUM)
Modified Duration - 3.80 yrs
Investment Objective :
Date of Inception : SFIN No.
March 31, 2009 ULIF 007 31/03/09 SUD-PI-BL1 142
Products : AUM :
Rs. 41.55 Cr
Portfolio % to AUM
`
Equity 31.63% Minimum Maximum
Infosys Ltd 4.34% 0% 60% 31.63%
Housing Development Finance Corporation Ltd. 2.74% 40% 100% 68.37%
Larsen & Toubro Limited 2.67%
Reliance Industries Ltd 2.28%
Bharti Airtel Limited 2.15%
Colgate Palmolive (India) Ltd 2.07%
ICICI Bank Ltd 1.81%
Mahindra & Mahindra Ltd. 1.64%
Dr. Reddys Laboratories Ltd. 1.33%
HDFC Bank Ltd 1.13%
Grasim Industries Ltd. 1.10%
Maruti Suzuki India Limited 1.07%
Others (with < 1% exposure) 7.31%
Debt 64.09%
Gilts & SDL 12.84%
GOI 7.00%
State Government - Tamil Nadu 3.47%SDL (with < 1% exposure) 2.37%
Corporate Bonds 51.25%
Indian Oil Corporation Ltd 5.40%
The Great Eastern Shipping Co. Limited 4.29%
Steel Authority of India Ltd. 4.04%
Tata Communications Limited 3.85%
Larsen & Toubro Limited 3.70%
Rural Electrification Corporation Limited 3.58%
The Indian Hotels Company Limited 3.57%
Tech Mahindra Limited 3.37%
LIC Housing Finance Ltd 2.33%
Power Finance Corporation Limited 1.91%
Power Grid Corporation of India Limited 1.81%
TATA Sons 1.67%
National Bank For Agriculture And Rural Development 1.45%
Tata Steel Limited 1.44%
Reliance Ports & Terminals Ltd. 1.24%
Reliance Capital Limited 1.20%
MRF Ltd. 1.19%
Housing Development Finance Corporation Ltd. 1.16%
Reliance Industries Ltd 1.15%
Dr. Reddy's Laboratories Ltd. 1.11%
Others (with < 1% exposure) 1.80%
MM & Others 4.29%
Total 100.00%
`
Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since Inception
Individual Pension Fund - Balanced 0.96% 1.01% 7.87% 7.25% 7.70% 7.02% 9.71%
Benchmark 1.13% 1.64% 7.86% 5.68% 6.95% 6.80% 9.49%
IN/PEN&GA/UL/BAL 1 2 3 4 7 8 6
individual pension FUND BALANCED - February 2014
Equity
For Dhruv Tara Products
Debt, MM & Others
To aim for stable returns over medium to long term through investments in high quality fixed income and money
market instruments and enhance returns through a fair exposure to equity investments.
Asset Mix
ParticularsInvestment Pattern
Actual
Benchmark :
CNX Nifty Index - 30%
CRISIL Composite Bond Index - 70%
11.74%
8.82%
8.56%
8.12%
6.38%
6.31%
5.99%
4.29%
3.57%
3.50%
Financial & Insurance
Manufacture of coke and refined petroleum products
Computer programming, consultancy and related activities
Infrastructure finance services
Civil engineering
Manufacture of Basic Metals
Telecommunications - Infra
Water transport
Accommodation
Housing Sector
Top 10 Industry Exposure ( % to AUM)
< 1 year 1-3 years 3-5 years 5-10 years > 10 years
24.13%22.84%
13.94%
26.46%
12.64%
Debt Maturity Profile ( % of Debt)
Gilt20.03%
AAA64.43%
AA7.82%
AA+7.73%
Debt Rating Profile (% of Debt)
9.5
10
10.5
11
11.5
12
12.5
13
13.5
14
14.5
15
15.5
16
16.5
Mar
-09
May
-09
Jul-
09
Oct
-09
Dec
-09
Feb
-10
Ap
r-1
0Ju
n-1
0A
ug-
10
Oct
-10
Dec
-10
Feb
-11
Ap
r-1
1Ju
n-1
1A
ug-
11
Oct
-11
Dec
-11
Feb
-12
Ap
r-1
2Ju
n-1
2A
ug-
12
Oct
-12
Dec
-12
Feb
-13
Ap
r-1
3Ju
n-1
3A
ug-
13
Oct
-13
Dec
-13
Feb
-14
NA
V/U
NIT
(R
s)
NAV Performance (Since Inception)
Pen Bal Benchmark
Debt64.09%
Equity31.63%
MM & Others4.29%
Asset Allocation (% to AUM)
Modified Duration - 2.77 yrs
Investment Objective :
Date of Inception : SFIN No. Benchmark :
April 29, 2011 ULIF 017 29/04/11 SUD-LX-BL1 142 CNX Nifty Index - 30%
CRISIL Composite Bond Index - 70%
Products : AUM :
For Dhan Suraksha Express Rs. 50.01 Cr
Portfolio % to AUM
`
Equity 28.15% Minimum Maximum
HCL Technologies Ltd 2.32% 0% 60% 28.15%
Infosys Ltd 1.97% 40% 100% 71.85%
Reliance Industries Ltd 1.76%
Larsen & Toubro Limited 1.30%
HDFC Bank Ltd 1.21%
Oil & Natural Gas Corpn Ltd 1.18%
ICICI Bank Ltd 1.15%
Tech Mahindra Limited 1.12%
ITC Ltd. 1.12%
Bharti Airtel Limited 1.04%
Others (with < 1% exposure) 14.00%
Debt 61.90%
Gilts & SDL 20.00%
GOI 17.08%
State Government - Tamil Nadu 1.92%
Corporate Bonds 41.89%
Power Finance Corporation Limited 4.46%
Reliance Gas Transportation Infrastructure Limited 4.08%
Fullerton India Credit Company Limited 4.07%
The Great Eastern Shipping Co. Limited 3.96%
Infrastructure Leasing & Financial Services Ltd. 3.69%
Power Grid Corporation of India Limited 3.33%
LIC Housing Finance Ltd 2.98%
Reliance Ports & Terminals Ltd. 2.67%
The Indian Hotels Company Limited 1.98%
Hindustan Petroleum Corporation Ltd. 1.93%
National Bank For Agriculture And Rural Development 1.60%
Larsen & Toubro Limited 1.15%
MRF Ltd. 1.00%
Others (with < 1% exposure) 4.99%
MM & Others 9.95%
Total 100.00%
`
Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since Inception
Express Balanced Fund 1.01% 1.43% 7.66% 6.08% 7.47% - 6.75%
Benchmark 1.13% 1.64% 7.86% 5.68% 6.95% - 6.02%
Equity
Debt, MM & Others
Express BALANCED FUND - February 2014
To optimize returns over medium to long term, by aiming balance between risk and return, through investments in
high quality equity and debt instruments.
Asset Mix
ParticularsInvestment Pattern
Actual
11.83%
10.11%
6.70%
5.31%
4.22%
4.08%
3.96%
3.76%
2.67%
2.45%
Financial & Insurance
Infrastructure finance services
Computer programming, consultancy and related activities
Electricity, Gas, Steam and Aircondition Supply - Infra
Manufacture of coke and refined petroleum products
Land transport and transport via pipelines - Infra
Water transport
Housing Sector
Warehousing and support activities for transportation - Infra
Civil engineering
Top 10 Industry Exposure ( % to AUM)
< 1 year 1-3 years 3-5 years 5-10 years > 10 years
1.29%
16.05% 14.16%
43.66%
24.84%
Debt Maturity Profile ( % of Debt)
Gilt32.58%
AAA53.67%
AA3.22%
AA+10.53%
Debt Rating Profile (% of Debt)
9.5
10.0
10.5
11.0
11.5
12.0
12.5
Ap
r-1
1
Jun
-11
Jul-
11
Sep
-11
Oct
-11
Dec
-11
Jan
-12
Mar
-12
Ap
r-1
2
Jun
-12
Jul-
12
Sep
-12
Oct
-12
Dec
-12
Jan
-13
Mar
-13
Ap
r-1
3
Jun
-13
Jul-
13
Au
g-1
3
Oct
-13
No
v-1
3
Jan
-14
Feb
-14
NA
V/U
NIT
(R
s)
NAV Performance (Since Inception)
Exp Bal Benchmark
Debt61.90%
Equity28.15%
MM & Others9.95%
Asset Allocation( % to AUM)
Modified Duration - 4.24 yrs
Investment Objective :
Date of Inception : SFIN No. Benchmark :
January 30, 2014 ULIF 024 11/12/13 SUD-LI-BL2 142 CNX Nifty Index - 30%
CRISIL Composite Bond Index - 70%
Products : AUM :
For Dhan Suraksha Plus & Wealth Builder Plan Rs. 5.47 Cr
Portfolio % to AUM
`
Equity 16.97% Minimum Maximum
Power Grid Corporation of India Limited 3.72% 0% 60% 16.97%
Cipla Ltd. 2.30% 40% 100% 83.03%
Tata Steel Limited 2.18%
Bharti Airtel Limited 1.80%
Bajaj Auto Limited 1.75%
Infosys Ltd 1.74%
Axis Bank Limited 1.31%
Reliance Industries Ltd 1.20%
Others (with < 1% exposure) 0.97%
Debt 38.30%
Gilts & SDL 38.30%
GOI 38.30%
MM & Others 44.73%
Total 100.00%
`
Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since Inception
Balance Plus Fund 0.08% - - - - - 3.90%
Benchmark 1.13% - - - - - 11.53%
Equity
Debt, MM & Others
BALANCE PLUS FUND - February 2014
To optimize returns over medium to long term, by aiming balance between risk and return, through investments in
high quality equity and debt instruments.
Asset Mix
ParticularsInvestment Pattern
Actual
3.72%
2.30%
2.18%
1.80%
1.75%
1.74%
1.42%
1.20%
0.86%
Electricity, Gas, Steam and Aircondition Supply - Infra
Manufacture of pharmaceuticals, medicinal chemical …
Manufacture of Basic Metals
Telecommunications - Infra
Manufacture of other transport equipment
Computer programming, consultancy and related activities
Financial & Insurance
Manufacture of coke and refined petroleum products
Civil engineering
Top 10 Industry Exposure ( % to AUM)
5-10 years
100.00%
Debt Maturity Profile ( % of Debt)
Gilt100.00%
Debt Rating Profile (% of Debt)
9.90
9.95
10.00
10.05
10.10
Jan-14 Feb-14
NA
V/U
NIT
(R
s)
NAV Performance (Since Inception)
Bal Plus Benchmark
Debt38.30%
Equity16.97%
MM & Others44.73%
Asset Allocation( % to AUM)
Modified Duration - 2.90 yrs
Investment Objective :
Date of Inception : SFIN No.
January 20, 2010 ULIF 012 20/01/10 SUD-LA-BN1 142
Products : AUM :
Rs. 157.54 Cr
Portfolio % to AUM
`
Debt 86.28% Minimum Maximum
Gilts & SDL 29.06% 80% 100% 86.28%
GOI 25.40% 0% 20% 13.72%
State Govt - Maharashtra 1.74%
SDL (with < 1% exposure) 1.93%
Corporate Bonds 57.22%
LIC Housing Finance Ltd 5.10%
Power Grid Corporation of India Limited 4.52%
Infrastructure Leasing & Financial Services Ltd. 4.23%
National Thermal Power Corporation Limited 4.23%
Mahindra & Mahindra Financial Services Limited 4.04%
Power Finance Corporation Limited 3.38%
Steel Authority of India Ltd. 3.35%
Reliance Ports & Terminals Ltd. 3.07%
Hindustan Petroleum Corporation Ltd. 3.07%
Rural Electrification Corporation Limited 2.40%
Housing Development Finance Corporation Ltd. 2.02%
Fullerton India Credit Company Limited 1.94%
Tata Capital Financial Services Ltd 1.83%
Reliance Capital Limited 1.60%
Hindalco Industries Ltd. 1.54%
The Great Eastern Shipping Co. Limited 1.26%
The Indian Hotels Company Limited 1.26%
Chennai Petroleum Corporation Limited 1.25%
Others (with < 1% exposure) 7.15%
MM & Others 13.72%
Total 100.00%
`
Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since Inception
Apex Bond Fund 0.22% 1.23% 4.44% 3.21% 6.65% 7.11% 6.56%
Benchmark 0.33% 1.64% 4.89% 3.91% 6.41% 7.03% 6.41%
DEBT
MM & Others
Particulars
APEX BOND FUND - February 2014
To aim for stable returns over medium to long term by judicious mix of investments in Government securities
and high quality corporate debt of varying maturities and also in money market instruments.
Investment PatternActual
Asset Mix
For New Dhan Suraksha, New Dhan Suraksha Premium,
New Prabhat Tara, Dhan Suraksha 3, Dhan Suraksha
Premium 3 & Prabhat Tara 3.
Benchmark :
CRISIL Composite Bond Index - 90%
CRISIL Liquid Fund Index - 10%
11.18%
10.65%
8.75%
7.12%
4.88%
4.86%
3.07%
1.26%
1.26%
1.04%
Financial & Insurance
Infrastructure finance services
Electricity, Gas, Steam and Aircondition Supply - Infra
Housing Sector
Manufacture of Basic Metals
Manufacture of coke and refined petroleum products
Warehousing and support activities for transportation - Infra
Water transport
Accommodation
Civil engineering
Top 10 Industry Exposure ( % to AUM)
< 1 year 1-3 years 3-5 years 5-10 years > 10 years
5.20%
9.75%
16.17%
36.99%
31.89%
Debt Maturity Profile ( % of Debt)
Debt86.28%
MM & Others13.72%
Asset Allocation (% to AUM)
Gilt33.87%
AAA50.74%
AA1.46%
AA+13.93%
Debt Rating Profile (% of Debt)
9.8
10.3
10.8
11.3
11.8
12.3
12.8
13.3
13.8
Jan
-10
Mar
-10
Ap
r-1
0Ju
n-1
0A
ug-
10
Sep
-10
No
v-1
0Ja
n-1
1Fe
b-1
1A
pr-
11
Jun
-11
Jul-
11
Sep
-11
No
v-1
1D
ec-1
1Fe
b-1
2M
ar-1
2M
ay-1
2Ju
l-1
2A
ug-
12
Oct
-12
Dec
-12
Jan
-13
Mar
-13
May
-13
Jun
-13
Au
g-1
3O
ct-1
3N
ov-
13
Jan
-14
Feb
-14
NA
V/U
NIT
(R
s)
NAV Performance (Since Inception)
Apex Bond Benchmark
Modified Duration - 4.35 yrs
Investment Objective :
Date of Inception : SFIN No. Benchmark :
February 25, 2009 ULIF 004 25/02/09 SUD-LI-BN1 142 CRISIL Composite Bond Index - 90%
CRISIL Liquid Fund Index - 10%
Products : AUM :
Rs. 23.66 Cr
Portfolio % to AUM
`
Debt 91.76% Minimum Maximum
Gilts & SDL 27.12% 80% 100% 91.76%
GOI 23.20% 0% 20% 8.24%
State Govt - Maharashtra 2.11%
SDL (with < 1% exposure) 1.80%
Corporate Bonds 64.64%
Housing Development Finance Corporation Ltd. 7.60%
The Great Eastern Shipping Co. Limited 6.71%
Power Grid Corporation of India Limited 4.58%
Larsen & Toubro Limited 4.51%
United Phosphorus Limited 4.25%
Indian Railway Financial Corporation Ltd. 4.18%
Mahindra & Mahindra Financial Services Limited 4.12%
Power Finance Corporation Limited 3.75%
Tech Mahindra Limited 3.38%
Steel Authority of India Ltd. 3.35%
MRF Ltd. 2.95%
LIC Housing Finance Ltd 2.48%
Reliance Ports & Terminals Ltd. 2.17%
Tata Communications Limited 2.11%
National Bank For Agriculture And Rural Development 2.11%
Tata Capital Financial Services Ltd 2.11%
TATA Sons 1.69%
Indian Oil Corporation Ltd 1.29%
Others (with < 1% exposure) 1.30%
MM & Others 8.24%
Total 100.00%
`
Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since Inception
Bond Fund 0.35% 1.42% 4.81% 4.74% 7.11% 7.33% 6.52%
Benchmark 0.33% 1.64% 4.89% 3.91% 6.41% 7.03% 6.14%
Debt
MM & Others
BOND FUND - February 2014
To aim for stable returns over medium to long term by judicious mix of investments in Government securities and
high quality corporate debt of varying maturities and also in money market instruments.
Investment PatternActual
Asset Mix
Particulars
For Dhan Suraksha, Dhan Suraksha Premium, Prabhat Tara.
10.08%
10.04%
7.91%
6.71%
4.58%
4.51%
4.25%
3.77%
3.38%
2.95%
Housing Sector
Infrastructure finance services
Financial & Insurance
Water transport
Electricity, Gas, Steam and Aircondition Supply - Infra
Civil engineering
Manufacture of chemicals and chemical products
Manufacture of Basic Metals
Computer programming, consultancy and related activities
Manufacture of rubber and plastics products
Top 10 Industry Exposure ( % to AUM)
< 1 year 1-3 years 3-5 years 5-10 years > 10 years
19.25%
12.62%
15.89%
37.76%
14.49%
Debt Maturity Profile ( % of Debt)
Debt91.76%
MM & Others8.24%
Asset Allocation (% to AUM)
Gilt29.55%
AAA53.05%
AA0.46%
AA+16.94%
Debt Rating Profile (% of Debt)
9.5
10
10.5
11
11.5
12
12.5
13
13.5
14
Feb
-09
May
-09
Au
g-0
9
No
v-0
9
Feb
-10
May
-10
Au
g-1
0
No
v-1
0
Feb
-11
May
-11
Au
g-1
1
No
v-1
1
Feb
-12
May
-12
Au
g-1
2
No
v-1
2
Feb
-13
May
-13
Au
g-1
3
No
v-1
3
Feb
-14
NA
V/U
NIT
(R
s)
NAV Performance (Since Inception)
Bond Fund Benchmark
Modified Duration - 3.33 yrs
Investment Objective :
Date of Inception : SFIN No.
January 20, 2010 ULIF 016 20/01/10 SUD-PA-BN1 142
Products : AUM :
For New Dhruv Tara Products Rs. 21.14 Cr
Portfolio % to AUM
`
Debt 87.96% Minimum Maximum
Gilts & SDL 31.50% 80% 100% 87.96%
GOI 22.83% 0% 20% 12.04%
SDL - Gujarat 3.82%
State Govt - Maharashtra 3.32%SDL (with < 1% exposure) 1.53%
Corporate Bonds 56.45%
Power Grid Corporation of India Limited 7.93%
Housing Development Finance Corporation Ltd. 6.54%
Power Finance Corporation Limited 6.08%
Larsen & Toubro Limited 5.44%
Reliance Ports & Terminals Ltd. 4.87%
Raymond Ltd. 4.79%
Hindalco Industries Ltd. 4.58%
TATA Sons 2.78%
MRF Ltd. 2.36%
Chennai Petroleum Corporation Limited 2.33%
National Thermal Power Corporation Limited 2.26%
Dr. Reddy's Laboratories Ltd. 1.89%
Tech Mahindra Limited 1.42%
Rural Electrification Corporation Limited 1.40%
Reliance Industries Ltd 1.35%Others (with < 1% exposure) 0.45%
MM & Others 12.04%
Total 100.00%
`
Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since Inception
Individual Pension Fund - Apex Bond 0.37% 1.43% 4.75% 3.26% 6.39% 6.86% 6.32%
Benchmark 0.33% 1.64% 4.89% 3.91% 6.41% 7.03% 6.41%
individual Pension FUND APEX bond - February 2014
DEBT
MM & Others
To aim for stable returns over medium to long term by judicious mix of investments in Government securities and
high quality corporate debt of varying maturities and also in money market instruments.
Asset Mix
ParticularsInvestment Pattern
Actual
Benchmark :
CRISIL Composite Bond Index - 90%
CRISIL Liquid Fund Index - 10%
10.19%
7.48%
6.54%
5.44%
5.03%
4.87%
4.79%
3.68%
2.78%
2.36%
Electricity, Gas, Steam and Aircondition Supply - Infra
Infrastructure finance services
Housing Sector
Civil engineering
Manufacture of Basic Metals
Warehousing and support activities for transportation - Infra
Manufacture of textiles
Manufacture of coke and refined petroleum products
Financial & Insurance
Manufacture of rubber and plastics products
Top 10 Industry Exposure ( % to AUM)
< 1 year 1-3 years 3-5 years 5-10 years > 10 years
10.66%
22.50%
2.11%
34.69%
30.05%
Debt Maturity Profile ( % of Debt)
Debt87.96%
MM & Others12.04%
Asset Allocation( % to AUM)
Gilt35.81%
AAA48.71%
AA+10.04%
AA-5.44%
Debt Rating Profile (% of Debt)
9.8
10.3
10.8
11.3
11.8
12.3
12.8
13.3
Jan
-10
Mar
-10
Ap
r-1
0
Jun
-10
Au
g-1
0
Sep
-10
No
v-1
0
Jan
-11
Feb
-11
Ap
r-1
1
Jun
-11
Jul-
11
Sep
-11
No
v-1
1
Dec
-11
Feb
-12
Mar
-12
May
-…
Jul-
12
Au
g-1
2
Oct
-12
Dec
-12
Jan
-13
Mar
-13
May
-…
Jun
-13
Au
g-1
3
Oct
-13
No
v-1
3
Jan
-14
Feb
-14
NA
V/U
NIT
(R
s)
NAV Performance (Since Inception)
Pen Apex Bond Benchmark
Modified Duration - 3.97 yrs
Investment Objective :
Date of Inception : SFIN No.
March 31, 2009 ULIF 008 31/03/09 SUD-PI-BN1 142
Products : AUM :
Rs. 10.95 Cr
Portfolio % to AUM
`
Debt 90.00% Minimum Maximum
Gilts & SDL 23.54% 80% 100% 90.00%
GOI 12.69% 0% 20% 10.00%
State Government - Tamil Nadu 4.38%
SDL - Andhra Pradesh 2.51%
SDL - Gujarat 1.74%
SDL - Kerala 1.70%
SDL (with < 1% exposure) 0.52%
Corporate Bonds 66.46%
Larsen & Toubro Limited 8.01%
LIC Housing Finance Ltd 7.24%
Power Grid Corporation of India Limited 6.71%
Indian Oil Corporation Ltd 6.53%
Steel Authority of India Ltd. 6.20%
National Bank For Agriculture And Rural Development 5.47%
The Indian Hotels Company Limited 4.51%
MRF Ltd. 3.64%
Tech Mahindra Limited 2.74%
Tata Communications Limited 2.74%
TATA Sons 2.73%
Housing Development Finance Corporation Ltd. 2.63%
Tata Steel Limited 1.82%
Power Finance Corporation Limited 1.81%
Others (with < 1% exposure) 3.67%
MM & Others 10.00%
Total 100.00%
`
Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since Inception
Individual Pension Fund - Bond 0.39% 1.50% 4.99% 5.19% 7.15% 7.41% 6.52%
Benchmark 0.33% 1.64% 4.89% 3.91% 6.41% 7.03% 6.23%
individual Pension FUND BOND - February 2014
Debt
For Dhruv Tara Products
MM & Others
To aim for stable returns over medium to long term by judicious mix of investments in Government securities and
high quality corporate debt of varying maturities and also in money market instruments.
Asset Mix
ParticularsInvestment Pattern
Actual
Benchmark :
CRISIL Composite Bond Index - 90%
CRISIL Liquid Fund Index - 10%
9.87%
8.18%
8.02%
8.01%
6.71%
6.53%
4.51%
3.65%
3.64%
2.74%
Housing Sector
Infrastructure finance services
Manufacture of Basic Metals
Civil engineering
Electricity, Gas, Steam and Aircondition Supply - Infra
Manufacture of coke and refined petroleum products
Accommodation
Financial & Insurance
Manufacture of rubber and plastics products
Computer programming, consultancy and related activities
Top 10 Industry Exposure ( % to AUM)
< 1 year 1-3 years 3-5 years 5-10 years > 10 years
19.35%21.93% 20.46%
27.79%
10.46%
Debt Maturity Profile ( % of Debt)
Debt90.00%
MM & Others10.00%
Asset Allocation (% to AUM)
Gilt26.15%
AAA59.72%
AA7.04%
AA+7.09%
Debt Rating Profile (% of Debt)
9.7
10.2
10.7
11.2
11.7
12.2
12.7
13.2
13.7
14.2
Mar
-09
May
-09
Jul-
09
Oct
-09
Dec
-09
Feb
-10
Ap
r-1
0Ju
n-1
0A
ug-
10
Oct
-10
Dec
-10
Feb
-11
Ap
r-1
1Ju
n-1
1A
ug-
11
Oct
-11
Dec
-11
Feb
-12
Ap
r-1
2Ju
n-1
2A
ug-
12
Oct
-12
Dec
-12
Feb
-13
Ap
r-1
3Ju
n-1
3A
ug-
13
Oct
-13
Dec
-13
Feb
-14
NA
V/U
NIT
(R
s)
NAV Performance (Since Inception)Pen Bond Benchmark
Modified Duration - 2.81 yrs
Investment Objective :
Date of Inception : SFIN No.
June 03, 2011 ULIF 018 03/06/11 SUD-UL-DP1 142
Products : AUM :
Dhan Suraksha Express, Dhan Suraksha 3, Dhan
Suraksha Premium 3 & Prabhat Tara 3. Rs. 192.22 Cr
Portfolio % to AUM
`
Debt & MM 100.00% Minimum Maximum
Gilts & SDL 61.07%
MM & Others 38.93%
Fund returns vis a vis Benchmark 1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since Inception
Discontinued Policies Fund 0.62% 1.78% 5.14% 6.29% - - 7.52%
Benchmark 0.68% 2.17% 5.14% 9.16% - - 8.76%
Discontinued Policies FUND - February 2014
To ensure safety and liquidity of funds and to generate the returns over and above defined regulatory
minimum rate of return. (Presently it is saving bank interest rate of SBI)
Asset Mix
Benchmark :
CRISIL Liquid Fund Index - 100%
ParticularsInvestment Pattern
Actual
Debt & MM 100.00%0% 100%
Debt & MM100.00%
Asset Allocation( % to AUM)
9.8
10.1
10.4
10.7
11.0
11.3
11.6
11.9
12.2
12.5
No
v-1
1
De
c-1
1
Jan
-12
Feb
-12
Mar
-12
Ap
r-1
2
May
-12
Jun
-12
Jul-
12
Au
g-1
2
Sep
-12
Oct
-12
No
v-1
2
De
c-1
2
Jan
-13
Feb
-13
Mar
-13
Ap
r-1
3
May
-13
Jun
-13
Jul-
13
Au
g-1
3
Sep
-13
Oct
-13
No
v-1
3
De
c-1
3
Jan
-14
Feb
-14
NA
V/U
NIT
(R
s)
NAV Performance (Since Nov 01, 2011)
Discontinued Fund Benchmark
Risk Factors
• This document has been prepared for the purpose of providing general information
only.
• Unit Linked Life Insurance products are different from the traditional insurance
products and are subject to various risk factors.
• Customers should take into account their personal investment objectives, risk
appetite and other aspects of their financial situation before making an investment
decision.
• Unit linked policies are subject to market risks associated with capital markets and
NAVs of units may go up or down based on the performance of fund and factors
influencing the capital market and the customers have to consider this aspect while
taking any decision.
• SUD Life shall not be responsible for any losses caused or any claims that arise due to
investments made based on this document.
• Customers are advised to note that the details are based on past performance and
are not indicative of its future prospects or returns.
• All efforts have been made to ensure accuracy of the contents of this document,
however, SUD Life shall not be held responsible for any errors or omissions.
Disclaimers related to Benchmark Indices
CRISIL Composite Bond Index and CRISIL Liquid Fund Index
CRISIL has taken due care and caution in compilation of data. Information has been obtained by CRISIL
from sources it considers reliable. However, CRISIL does not guarantee the accuracy, adequacy or
completeness of the information and is not responsible for any errors or omissions or for the results
obtained from the use of such information. CRISIL is not responsible for any errors in data
reproduction. CRISIL especially states that it has no financial liability whatsoever to the subscribers/
users/ transmitters/ distributors of this bulletin.
CNX NIFTY
“The Individual Life, Pension Life, Individual Apex Life and Pension Apex Life funds related to Equity, Balanced and Growth schemes; and also Individual Life Express Balanced Fund, offered by SUD Life Insurance Co. Ltd are not sponsored, endorsed, sold or promoted by India Index Services & Products Limited ("IISL").
Neither IISL nor CNX Nifty and its affiliates makes any representation or warranty, express or implied (including warranties of merchantability or fitness for particular purpose or use) to the owners of aforesaid schemes or any member of the public regarding the advisability of investing in securities generally or in aforesaid schemes linked to CNX Nifty Index or particularly in the ability of the said Index to track general stock market performance in India”.