Investment Tracker - canarahsbclife and dealer with collective experience of more than 100 ... NMDC LIMITED 0.52 ... Investment Tracker March 2014

Annual Newsletter March 2014

From the CIO’s Desk ....................... 2

Unit Linked Equity Fund .................. 3

Unit Linked Equity II Fund ................ 4

Unit Linked Growth Fund ................. 5

Unit Linked Growth II Fund .............. 6

Unit Linked Growth Plus Fund ......... 7

Unit Linked Balanced Fund .............. 8

Unit Linked Balanced II Fund ........... 9

Unit Linked Balanced Plus Fund .... 10

Unit Linked Debt Fund ................... 11

Unit Linked Debt Plus Fund ........... 12

Unit Linked Liquid Fund .................. 13

Unit Linked NAV Guarantee Fund ... 14

Investment TrackerCONTENTS

2Investment Tracker March 2014

Ritu Arora

Chief Investment Officer,

Canara HSBC Oriental Bank

of Commerce Life Insurance

Company Limited

Dear Policyholder,

experienced team of 10 professionals including analysts, fund

manager and dealer with collective experience of more than 100

years. The team collectively invests more than Rs8000cr of

policyholder and shareholder funds in both equity and debt. The

team studies the economic environment and researches various

sectors to identify high quality companies, with good growth

prospects and good quality credit to invest money in

We invest portfolio funds in:

• High earning, large companies (90% of portfolio in top 50

companies)

• A small portion in very selected high quality mid cap

companies to generate higher return

• Keep the portfolio well diversified and balanced.

Indian equity market has touched new high during January - • Invest for the long term and do not take short term trading March 2014 period, generating an attractive 6.5% return during calls.the quarter itself, full year FY14 return is also a healthy 17.5%. We

• We hold only a small amount of cash in the portfolios, this remained fully invested during this period and continued with our

helps over the long term as growth happens. disciplined approach of investing in good quality, large

The team is also well supported in the investment function by companies with good corporate governance for stronger and

world class systems and processes like Bloomberg, Thomson sustained returns. This has generated returns in line with the

Reuters, Starmine, CRISIL and CMIE database etc. benchmark and peers. We would again like to emphasis that

All this means that the portfolio would generate sustained, strong timing the market is difficult and it is best to remain a disciplined return in line with the benchmark and also ensures that the investor and invest regularly to generate superior returns over portfolio remains protected from unforeseen events and the long term.manages to better withstand the volatility. In-line with this

Ten-year benchmark interest rate experienced volatility - ranging philosophy, all our funds over the long term (5 yr) have delivered

from 8.52% to 8.92% before closing the quarter flat at 8.82%. RBI, return higher than the benchmark and fare well vs peers.

on account of inflation concerns, increased interest rate by Equity market update0.25% to 8% in its January policy review. Despite the near term

volatility, we continue to maintain a high duration (sensitivity of We believe that growth should remain sluggish and recovery will

portfolio to change in interest rates) across our portfolio as the take long time. Valuations remain at long term average level of

medium term outlook on interest rates remains on the downside. 15x FY15e earnings. We expect the markets to generate returns

This would benefit the portfolio returns in the medium to long in line with the earnings growth of companies with sustained FII

term. flows providing a little upside.

There has been a lot of volatility in the global financial markets In the near term markets would look forward to outcome of the

during the quarter, due to accelerated withdrawal of the US Fed general elections for direction. FII flows also remain strong in

“easy money policy” and the Ukrainian crisis. The govt. and the anticipation and US$ 4.5bn of money has come into equities

Reserve Bank had taken several steps to insulate India from since the start of the year.

such global shocks which have shielded the Indian economy Fixed income updateand kept Indian markets more stable than other emerging

We are maintaining higher duration (sensitivity of bond prices to market peers. These steps have boosted the foreign exchange

interest rate movements) vs the benchmark which has impacted reserves of the country to more than $300 billion, adjusted the

last one year returns. We continue to believe that slowing growth value of the rupee vs other currencies and started the process to

should eventually push bond yields lower and thus, result in bring down inflation. But, these measures are not sufficient for

increase in bond prices to provide superior returns for the ensuring growth recovery. Much more efforts are needed in

policyholders over the medium term. terms of removing structural bottlenecks, building business

We are continuing with our strategy of investment in good confidence and creating space to support investments and corporate governance, high quality credit, and large cap revive growth.companies with long term focus. We continue to strive for

In the near term, outcome of the General elections shall continue outperformance versus the benchmark in the long term which is

to play a very important role in driving investor sentiments. Policy in line with the long term nature of an insurance product. There is

certainty is something that the investors are hoping for. A strong a lot of volatility in the market, but yields are attractive. Such

and stable government, capable of carrying out policy reforms, periods are part of the economic cycle and they come and go.

would be positive for the economy and the markets. However, a However, remaining disciplined with regular investment in such

lot of patience and discipline would be required to tide over the times leads to rupee cost averaging and building of portfolio at

uncertainty and volatility in the interim.very good prices. This leads to good return generation over

In face of this volatility and uncertainty, we remain disciplined medium to long term.and invest funds with a lot of care. We have a highly qualified and

From the CIO's desk

NAV Movement


The Fund's primary objective is to have high capital appreciation through investment in equities. To maintain liquidity, the Fund will invest in

cash and money market instruments.

Risk Profile – High

PORTFOLIO AS ON MARCH 31, 2014 %

Asset Allocation Pattern

60% - 100%Equity and Equity Related Instruments

0% - 40%Money Market

Equity Fund benchmark is CNX Nifty Index.

Past performance is not indicative of future performance.

The SFIN for Equity Fund is ULIF00116/06/08EQUITYFUND136.

Fund Performance as on March 31, 2014 (%)

20.4% 20.7% 13.0% 13.3% 4.0% 4.9%

Fund Benchmark Fund Benchmark Fund Benchmark

CAGR

(last 2 years)

CAGR

(last 3 years)Last one year

4.8% 6.4% 15.6% 14.2% 7.4% 6.8%


CAGR

(last 5 years)

CAGR

(Since inception)

CAGR

(last 4 years)

Equity Sector Exposure

Inception Date: 16 Jun 2008

n BANKING FINANCIAL SERVICES

INFORMATION TECHNOLOGY GAS PRODUCTION & TRANSPORTATION

FMCG METALS

AUTO & ANCILLARIES ELECTRICAL ENERGY

OIL & OTHER PETROLEUM PRODUCTS TELECOM

CONSTRUCTION CHEMICALS

PHARMA & HOSPITALS ELECTRONIC COMPONENTS AND...

n

n

n

n

n

n

n

n

n

n

n

n

n

2

1.0

0

17

.38

9.8

5

9.2

6

8.9

1

7.5

1

6.8

8

5.4

2

3.4

9

3.1

4

2.2

8

1.8

6

1.1

3

0.4

2

0

5

10

1

5

20

2

5

Unit Linked Equity Fund

EQUITY 98.54

OTHER NET CURRENT ASSETS 1.46

TOTAL 100

I T C LTD 8.89

INFOSYS TECHNOLOGIES LTD 7.79

ICICI BANK LTD 7.63

RELIANCE INDUSTRIES LTD 7.18

HDFC BANK LTD 6.93

LARSEN & TOUBRO LTD 5.68

TATA CONSULTANCY SERVICES LTD 3.79

HOUSING DEVELOPMENT FINANCE CORPORATION LTD 3.74

TATA MOTORS LTD 3.54

OIL & NATURAL GAS CORPORATION LTD 3.49

SUN PHARMACEUTICAL INDS. LTD 3.28

HCL TECHNOLOGIES LTD 2.47

TECH MAHINDRA LTD 2.24

INDUSIND BANK LIMITED 1.93

KOTAK MAHINDRA BANK LTD 1.92

BHARTI AIRTEL LIMITED 1.86

YES BANK LTD 1.76

BHARAT PETROLEUM CORP LTD 1.73

MAHINDRA AND MAHINDRA LTD 1.60

LUPIN LTD 1.57

HERO MOTOCORP LTD 1.55

MARUTI SUZUKI INDIA LTD 1.25

ASIAN PAINTS LTD 1.13

SESA STERLITE LTD 1.09

NTPC LIMITED 1.04

RURAL ELECTRIFICATION CORP LTD 0.97

HINDUSTAN UNILEVER LIMITED 0.96

DIVIS LABORATORIES LIMITED 0.94

AXIS BANK LTD 0.83

POWER GRID CORPORATION OF INDIA LTD 0.81

ULTRATECH CEMENT LTD. 0.72

INFRASTRUCTURE DEVELOPMENT FINANCE COMPANY LTD 0.71

DR. REDDYS LABORATORIES LTD 0.69

BOSCH LIMITED 0.67

GRASIM INDUSTRIES LIMITED 0.66

WIPRO LTD 0.65

ASHOK LEYLAND LTD 0.65

TATA STEEL LTD 0.64

NMDC LIMITED 0.52

HINDUSTAN ZINC LTD 0.46

AMBUJA CEMENTS LTD 0.46

TATA POWER COMPANY LTD 0.43

COAL INDIA LIMITED 0.43

CMC LTD 0.43

VOLTAS LTD 0.42

GLENMARK PHARMACEUTICALS LTD 0.41

Mar

- 14

Equity

Investment Tracker March 2014

The Fund's primary objective is to have high capital appreciation through investment in equities. To maintain liquidity, the Fund will invest in

cash and money market instruments.

Unit Linked Equity II Fund


EQUITY 97.53


TOTAL 100

I T C LTD 8.78


ICICI BANK LTD 7.45


HDFC BANK LTD 6.56












YES BANK LTD 1.72




LUPIN LTD 1.51



NTPC LIMITED 1.02






AXIS BANK LTD 0.75

BOSCH LIMITED 0.69





WIPRO LTD 0.63

TATA STEEL LTD 0.63


NMDC LIMITED 0.48






CMC LTD 0.40

VOLTAS LTD 0.39

Risk Profile – High

4




Equity Fund benchmark is CNX Nifty Index.


The SFIN for Equity II Fund is ULIF00607/01/10EQUTYIIFND136


20.6% 20.7% 13.2% 13.3 4.4% 4.9%


CAGR

(last 2 years)

CAGR


5.2% 6.4% 4.9% 5.9%

Fund Benchmark Fund Benchmark

CAGR

(Since inception)

CAGR

(last 4 years)


Inception Date: 07 Jan 2010



FMCG METALS




PHARMA & HOSPITALS ELECTRONIC COMPONENTS AND...

n

n

n

n

n

n

n

n

n

n

n

n

n

NAV Movement

0

2

4

6

8

10

12

14

Jan

-10

Mar

-10

May

-10

Jul-

10

Sep

-10

No

v-1

0

Jan

-11

Mar

-11

May

-11

Jul-

11

Sep

-11

No

v-1

1

Jan

-12

Mar

-12

May

-12

Jul-

12

Sep

-12

No

v-1

2

Jan

-13

Mar

-13

May

-13

Jul-

13

Sep

-13

No

v-1

3

Jan

-14

Mar

-14

Equity II

12.26

20

.59

17

.25

9.6

7

9.3

9

8

.91

7

.82

6

.67

5

.50

3.3

4

2.9

5

2.2

1

1.7

6

1.0

8

0.3

9

0

5

10

15

20

25


This Fund invests in listed equities and high quality fixed income and money market instruments. The Fund intends to adopt a relatively

aggressive approach towards bonds and equities with the objective of achieving capital appreciation.

Unit Linked Growth Fund

Risk Profile – Medium to High


All rated fixed income instruments are AAA/P1+ or equivalent except

*9.55% Hindalco Ind LTD 2022 which is AA+.

EQUITY 80.53

GOVERNMENT SECURITIES 11.10

CORPORATE BONDS/DEBENTURES 7.27

OTHER

TOTAL 100.00

I T C LTD 7.11


ICICI BANK LTD 6.80


HDFC BANK LTD 6.25












LUPIN LTD 1.41




OTHERS 9.74

8.97% GOI 2030 2.31

7.16% GOI 2023 2.19

8.30% GOI 2042 1.76

8.07% GOI 2017 1.13

8.28% GOI 2027 1.07

8.83% GOI 2041 1.04

8.83% GOI 2023 0.77

OTHERS 0.83

9.27% POWER FINANCE CORPORATION LTD 2017 0.95

9.28% REC LTD 2017 0.76


10.40% RELIANCE PORTS & TERMINALS LTD 2021 0.60

9.75% REC LTD 2021 0.58


9.38% REC LTD 2016 0.38

9.25% REC LTD 2017 0.38


8.8% PGC 2023 0.37

OTHERS 1.74

NET CURRENT ASSETS 1.10



n BANKING PHARMA & HOSPITALS


FMCG METALS

OIL & OTHER PETROLEUM PRODUCTS ELECTRICAL ENERGY

AUTO & ANCILLARIES TELECOM


FINANCIAL SERVICES

n

n

n

n

n

n

n

n

n

n

n

n


Equity and Equity Related Instruments

Debt Securities

Money Market

Growth Fund benchmark is 80% CNX Nifty Index and

20% CRISIL Composite Bond Fund Index.

Modified Duration (in years): 5.34


The SFIN for Growth Fund is ULIF00216/06/08GROWTHFUND136.


17.4% 17.1% 12.2% 11.8% 5.0% 5.2%


CAGR

(last 2 years)

CAGR


5.4% 6.4% 14.1% 12.6% 7.5% 6.7%


CAGR

(last 5 years)

CAGR

(Since inception)

CAGR

(last 4 years)

50% - 90%

10% - 50%

0% - 40%

1

7.6

2

14

.66

7.8

9

7.8

9

6.7

7

6.7

5

4.9

5

4.6

1

2.8

5

2.1

4

1.8

6

1.5

1

1.0

4

0

5

10

1

5

20

0

2

4

6

8

10

12

14

16

Jun

-08

Au

g-0

8O

ct-0

8D

ec-0

8Fe

b-0

9A

pr-

09

Jun

-09

Au

g-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

bM

ar-1

4-1

4

Growth

15.198

NAV Movement






FMCG METALS




FINANCIAL SERVICES

n

n

n

n

n

n

n

n

n

n

n

n



Unit Linked Growth II Fund




* and 9.55% Hindalco Ind LTD 2022

which are AA+.

9.50% Bajaj Finance LTD 2018

EQUITY 78.99




TOTAL 100.00

I T C LTD 6.97


ICICI BANK LTD 6.62


HDFC BANK LTD 6.09












LUPIN LTD 1.38






AXIS BANK LTD 0.90


NTPC LIMITED 0.82

OTHERS 5.15

8.30% GOI 2042 3.53

7.16% GOI 2023 2.33

7.17% GOI 2015 1.34

8.07% GOI 2017 1.16

8.97% GOI 2030 0.92

8.51% SDL 2021 0.66

8.28% GOI 2027 0.60

8.83% GOI 2023 0.59

8.85% SDL 2022 0.57

OTHERS 1.10




9.50% BAJAJ FINANCE LTD 2018 0.58


10.25% RELIANCE GAS TRANSPORT INFRA LTD 2021 0.30

9.28% REC LTD 2017 0.29

9.25% REC LTD 2017 0.29

9.02% REC LTD 2022 0.28

OTHERS 0.70



10% - 50%Debt Securities



20% CRISIL Customized Bond Fund Index.



The SFIN for Growth II Fund is ULIF00707/01/10GROWTIIFND136


17.5% 17.1% 12.5% 11.9% 5.3% 5.2%


CAGR

(last 2 years)

CAGR


5.8% 6.4% 5.8% 5.9%


CAGR

(Since inception)

CAGR

(last 4 years)

17

.44

14

.39

7.7

4

7.6

9

6.5

9

6

.57

4

.82

4.5

2

2.8

0

2.1

0

1.8

2

1.4

8

1.0

2

0

5

10

15

20

0

2

4

6

8

10

12

14

Jan

-10

Mar

-10

May

-10

Jul-

10

Sep

-10

No

v-1

0

Jan

-11

Mar

-11

May

-11

Jul-

11

Sep

-11

No

v-1

1

Jan

-12

Mar

-12

May

-12

Jul-

12

Sep

-12

No

v-1

2

Jan

-13

Mar

-13

May

-13

Jul-

13

Sep

-13

No

v-1

3

Jan

-14

Mar

-14

Growth II

12.688

NAV Movement




Unit Linked Growth Plus Fund



* , 9.55% Hindalco Ind LTD 2022

and 10.20% Sundaram Finance LTD 2014 which are AA+.



EQUITY 78.55




TOTAL 100.00

I T C LTD 7.11


ICICI BANK LTD 6.55


HDFC BANK LTD 6.02












LUPIN LTD 1.36






AXIS BANK LTD 0.93


NTPC LIMITED 0.82

OTHERS 5.24

8.30% GOI 2042 3.19

7.16% GOI 2023 2.28

8.97% GOI 2030 2.05

8.83% GOI 2023 0.87

8.83% GOI 2041 0.85

8.07% GOI 2017 0.57

OTHERS 0.55



9.28% REC LTD 2017 0.86



8.8% PGC 2023 0.55



9.25% REC LTD 2017 0.29

OTHERS 0.86


Inception Date: 13 Sep 2010



FMCG METALS




FINANCIAL SERVICES

n

n

n

n

n

n

n

n

n

n

n

n









The SFIN for Growth Plus Fund is ULIF00913/09/10GROWTPLFND136.


17.2% 17.1% 12.3% 11.8% 5.2% 5.2%


CAGR

(last 2 years)

CAGR


2.6% 4.8%

Fund Benchmark

CAGR

(Since inception)

1

7.3

2

14

.37

7

.87

7

.60

6.5

3

6.5

0

4.7

7

4.4

8

2.7

7

2.0

7

1.8

1

1.4

6

1.0

0

0

5

10

1

5

20

0

2

4

6

8

10

12

Sep

-10

No

v-1

0

Jan

-11

Mar

-11

May

-11

Jul-

11

Sep

-11

No

v-1

1

Jan

-12

Mar

-12

May

-12

Jul-

12

Sep

-12

No

v-1

2

Jan

-13

Mar

-13

May

-13

Jul-

13

Sep

-13

No

v-1

3

Jan

-14

Mar

-14

Growth Plus

10.947

NAV Movement

NAV Movement


This Fund adopts a relatively balanced approach towards bonds and equities exposure with the objective of achieving capital appreciation

with minimal short-term performance volatility.

Unit Linked Balanced Fund

Risk Profile – Medium

%


* , 9.45% Bajaj Finance LTD 2020,

9.55% Hindalco Ind LTD 2022, 9.92% Sundaram Finance LTD 2015

and 10% Sundaram Finance LTD 2017 which are AA+.


PORTFOLIO AS ON MARCH 31, 2014

1

0.9

9

9.2

0

5.0

8

4.5

9

4.5

5

3.7

6

3.0

3

2.7

0

1.5

7

1.4

7

1.1

5

0.9

0

0.5

7

0.3

9

0

2

4

6

8

10

1

2





Balanced Fund benchmark is 50% CNX Nifty Index and




The SFIN for Balanced Fund is ULIF00316/06/08BLNCEDFUND136.


11.2% 11.7% 9.8% 9.7% 5.6% 5.7%


CAGR

(last 2 years)

CAGR


5.7% 6.3% 11.1% 10.2% 8.4% 6.6%


CAGR

(last 5 years)

CAGR

(Since inception)

CAGR

(last 4 years)



EQUITY 49.96




TOTAL 100.0

I T C LTD 4.60


ICICI BANK LTD 4.06


HDFC BANK LTD 3.72











YES BANK LTD 0.89




AXIS BANK LTD 0.61






OTHERS 6.64

8.83% GOI 2041 5.01

7.16% GOI 2023 3.95

8.30% GOI 2042 3.08

8.07% GOI 2017 2.11

8.97% GOI 2030 1.81

8.83% GOI 2023 1.48

9.12% SDL 2022 0.81

7.17% GOI 2015 0.73

OTHERS 1.55

8.8% PGC 2023 3.92



9.35IOCL020517 1.98

9.38% REC LTD 2016 1.48


HDFC LTD FRN 2016 1.33

9.75% REC LTD 2021 1.19

10.25% HDFC LTD 2017 1.18

OTHERS 8.59

0

2

4

6

8

10

12

14

16

18 15.953

Balanced

Mar

-14

Jun

-08

Au

g-0

8O

ct-0

8D

ec-0

8Fe

b-0

9A

pr-

09

Jun

-09

Au

g-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



FMCG METALS




PHARMA & HOSPITALS ELECTRONIC COMPONENTS AND INSTRUMENTS

n

n

n

n

n

n

n

n

n

n

n

n

n

NAV Movement




Unit Linked Balanced II Fund






Balanced Fund benchmark is 50% S&P CNX Nifty Index and




The SFIN for Balanced II Fund is ULIF00807/01/10BLNCDIIFND136.


11.3% 11.8% 10.0% 9.7% 5.8% 5.8%


CAGR

(last 2 years)

CAGR


6.0% 6.3% 5.9% 6.0%


CAGR

(Since inception)

CAGR

(last 4 years)



* , 9.55% Hindalco Ind LTD 2022,

9.92% Sundaram Finance LTD 2015 and 10.20% Sundaram Finance LTD

2014 which are AA+.


EQUITY 49.68




TOTAL 100.00

I T C LTD 4.58


ICICI BANK LTD 4.05


HDFC BANK LTD 3.70











YES BANK LTD 0.88




AXIS BANK LTD 0.61



OTHERS 8.21

7.16% GOI 2023 5.26

8.30% GOI 2042 4.75

8.83% GOI 2041 3.78

8.97% GOI 2030 2.62

8.07% GOI 2017 1.81

9.12% SDL 2022 1.00

8.28% GOI 2027 0.96

OTHERS 2.80

8.8% PGC 2023 3.51



9.35IOCL020517 1.43



10.25% HDFC LTD 2017 1.04


10.10% HDBFC 2017 0.83

9.09% IRFC LTD 2026 0.80



9.02% REC LTD 2022 0.59

OTHERS 6.48



Jan

-10

Mar

-10

May

-10

Jul-

10

Sep

-10

No

v-1

0

Jan

-11

Mar

-11

May

-11

Jul-

11

Sep

-11

No

v-1

1

Jan

-12

Mar

-12

May

-12

Jul-

12

Sep

-12

Jan

-13

Mar

-13

May

-13

Jul-

13

Sep

-13

No

v-1

3

Mar

-14

2

4

6

8

10

12

14

Balanced II

12.733

No

v-1

2 Ja

n- 1

4

10

.94

9.1

6

5.0

6

4.5

7

4.5

1

3

.72

3

.02

2

.68

1.5

6

1.4

7

1.1

4

0.9

0

0.5

7

0.3

9

0

2

4

6

8

10

12



FMCG METALS





n

n

n

n

n

n

n

n

n

n

n

n

n

0

Investment Tracker March 2014 10



Unit Linked Balanced Plus Fund


PORTFOLIO AS ON MARCH 31, 2014 %Asset Allocation Pattern




Balanced Fund benchmark is 50% S&P CNX Nifty Index and




The SFIN for Balanced Plus Fund is ULIF01013/09/10BLNCDPLFND136.


10.7% 11.7% 9.5% 9.7% 5.4% 5.7%


CAGR

(last 2 years)

CAGR


3.9% 5.4%

Fund Benchmark

CAGR

(Since inception)


*9.55% Hindalco Ind LTD 2022 and 9.92% Sundaram Finance LTD 2015

which are AA+.

EQUITY 49.14




TOTAL 100.0

I T C LTD 4.54


ICICI BANK LTD 4.01


HDFC BANK LTD 3.67











YES BANK LTD 0.87




AXIS BANK LTD 0.60

OTHERS 9.25

7.16% GOI 2023 5.96

8.30% GOI 2042 4.36

8.83% GOI 2041 3.26

8.83% GOI 2023 2.12

8.97% GOI 2030 2.06

8.07% GOI 2017 1.04

9.12% SDL 2022 0.74

8.13% GOI 2022 0.63

8.28% GOI 2027 0.62

OTHERS 1.84

9.09% IRFC LTD 2026 2.29


8.83% IRFC LTD 2023 1.64


8.8% PGC 2023 1.34


9.90%ISECPD LTD 2014 1.06

9.28% REC LTD 2017 0.98


9.35IOCL020517 0.91

9.02% REC LTD 2022 0.87

9.56% LIC HOUSING FINANCE LTD 2017 0.76


OTHERS 6.85





FMCG METALS





n

n

n

n

n

n

n

n

n

n

n

n

n

10

.84

9.0

7

5.0

1

4.5

2

4.4

6

3

.67

2

.99

2

.63

1.5

5

1.4

5

1.1

3

0.8

9

0.5

6

0.3

8

0

2

4

6

8

10

12

0

2

4

6

8

10

12

14

Sep

-10

No

v-1

0

Jan

-11

Mar

-11

May

-11

Jul-

11

Sep

-11

No

v-1

1

Jan

-12

Mar

-12

May

-12

Jul-

12

Sep

-12

No

v-1

2

Jan

-13

Mar

-13

May

-13

Jul-

13

Sep

-13

No

v-1

3

Jan

-14

Mar

-14

Balanced Plus

11.466

NAV Movement


This Fund invests in a portfolio of high quality bonds and other fixed and floating rate securities issued by the Government, Government

agencies and corporate issuers. To maintain liquidity, the Fund invests in the money market instruments.

Unit Linked Debt Fund

Risk Profile – Low to Medium




Asset Mix

Inception Date: 09 Jul 2008

Debt Fund benchmark is CRISIL Customized Bond Fund Index.



The SFIN for Debt Fund is ULIF00409/07/08INDEBTFUND136.


1.9% 3.0% 6.5% 6.2% 6.7% 6.7%


CAGR (last 2 years)

CAGR (last 3 years)

Last one year

6.3% 6.3% 5.7% 5.5% 8.3% 6.9%


CAGR (last 5 years)

CAGR (Since inception)

CAGR (last 4 years)



* 9.55% Hindalco Ind LTD 2022,

9.92% Sundaram Finance LTD 2015 and 10% Sundaram Finance LTD

2017 which are AA+.

9.50% Bajaj Finance LTD 2018,




TOTAL 100.00

8.28% GOI 2027 13.10

7.16% GOI 2023 12.93

8.30% GOI 2042 8.49

8.83% GOI 2041 7.61

8.07% GOI 2017 2.13

8.91% SDL 2022 1.70

8.83% GOI 2023 1.65

9.12% SDL 2022 0.81

OTHERS 1.70


9.02% REC LTD 2022 3.06


8.8% PGC 2023 2.67

0.00% HDFC LTD 2017 2.29


9.92% SUNDARAM FINANCE 2015 2.07

9.50% HDFC LTD 2017 2.06

10.10% HDBFC 2017 1.89

9.55% HINDALCO IND LTD 2022. 1.71

9.68% TATA SONS LTD 2017 1.66

9.68% ILFS FINANCE LTD 2021 1.53

8.97% TATA SONS LTD 2020 1.50


8.82% REC LTD 2023 1.18





8.68% NCRPB 2020 0.83

8.79% IRFC LTD 2030 0.78

9.30% HDFC LTD 2017 0.72

9.55% HINDALCO IND LTD 2022 0.69

9.50% HDFC 2016 0.64

10.00% RELIANCE CAPITAL LTD 2017. 0.63



9.50% HDFC LTD 2017. 0.58



9.87% TATA SONS LTD 2017 0.42

9.25% REC LTD 2017 0.41

8.83% IRFC LTD 2023 0.35


EXPORT IMPORT BANK FRN 2016 0.33

OTHERS 1.37

Debt

0

2

4

6

8

10

12

14

16

18

Jul-

08

Sep

-08

No

v-0

8Ja

n-0

9M

ar-0

9M

ay-0

9Ju

l-0

9Se

p-0

9N

ov-

09

Jan

-10

Mar

-10

May

-10

Jul-

10

Sep

-10

No

v-1

0Ja

n-1

1M

ar-1

1M

ay-1

1Ju

l-1

1Se

p-1

1N

ov-

11

Jan

-12

Mar

-12

May

-12

Jul-

12

Sep

-12

No

v-1

2Ja

n-1

3M

ar-1

3M

ay-1

3Ju

l-1

3Se

p-1

3N

ov-

13

Jan

-14

Mar

-14

15.749

NAV Movement

50.12% 46.33%

3.55%

CORPORATE BONDS/DEBENTURES

GOVERNMENT SECURITIES

OTHER NET CURRENT ASSETS

CORPORATE BONDS/DEBENTURES

GOVERNMENT SECURITIES

OTHER NET CURRENT ASSETS


This Fund invests in a portfolio of high quality bonds and other fixed and floating rate securities issued by the Government, Government

agencies and corporate issuers. To maintain liquidity, the Fund invests in the money market instruments.

Unit Linked Debt Plus Fund

Risk Profile – Low to Medium



* , 9.55% Hindalco Ind LTD 2022

and 9.92% Sundaram Finance LTD 2015 which are AA+.





TOTAL 100.00

7.16% GOI 2023 17.69

8.83% GOI 2023 11.99

8.28% GOI 2027 9.39

8.30% GOI 2042 7.00

8.83% GOI 2041 5.03

8.85% SDL 2022 2.27

8.07% GOI 2017 2.16

8.26% GOI 2027 1.74

7.59% GOI 2016 1.43

7.83% GOI OIL 2018 0.99

8.91% SDL 2022 0.80

9.12% SDL 2022 0.48

8.51% SDL 2021 0.07

8.13% GOI 2022 0.03

8.53% SDL 2020 0.02

8.8% PGC 2023 3.26


9.25% REC LTD 2017 2.43


9.02% REC LTD 2022 2.17

8.82% REC LTD 2023 1.63


8.83% IRFC LTD 2023 1.17


10.00% RELIANCE CAPITAL LTD 2017. 0.99

9.68% TATA SONS LTD 2017 0.98

9.50% HDFC LTD 2017. 0.98

9.90%ISECPD LTD 2014 0.98

10.10% HDBFC 2017 0.75

9.28% REC LTD 2017 0.73

9.30% HDFC LTD 2017 0.73


9.55% HINDALCO IND LTD 2022. 0.72

OTHERS 5.50

Asset Mix





Debt Fund benchmark is CRISIL Customized Bond Fund Index.



The SFIN for Debt Plus Fund is ULIF01115/09/10DEBTPLFUND136.


1.2% 2.6% 6.0% 6.0% 6.2% 6.6%


CAGR

(last 2 years)

CAGR


6.1% 6.4%

Fund Benchmark

CAGR

(Since inception)

NAV Movement

0

2

4

6

8

10

12

14

Sep

-10

No

v-1

0

Jan

-11

Mar

-11

May

-11

Jul-

11

Sep

-11

No

v-1

1

Jan

-12

Mar

-12

May

-12

Jul-

12

Sep

-12

No

v-1

2

Jan

-13

Mar

-13

May

-13

Jul-

13

Sep

-13

No

v-1

3

Jan

-14

Mar

-14

12.337

Debt Plus

61.09%

31.05%

7.86%

No

v-0

9

Mar

-13

0

2

4

6

8

10

12

14

16

18

Jul-

08

Sep

-08

-N

ov

08

Jan

- 09

Mar

-09

May

-09

Jul-

09

Sep

-09

Jan

-10

Mar

-10

May

-10

Jul-

10

Sep

-10

No

v-1

0Ja

n-1

1M

ar-1

1M

ay-1

1Ju

l-1

1Se

p-1

1N

ov-

11

Jan

-12

Mar

-12

May

-12

Jul-

12

Sep

-12

No

v-1

2Ja

n-1

3

May

-13

Jul-

13

Sep

-13

No

v-1

3Ja

n-1

4M

ar-1

4

Liquid

15.515


This Fund primarily invests in a portfolio constituted of money market and high quality debt securities.

Unit Linked Liquid Fund

Risk Profile – Low


All rated fixed income instruments are AAA/P1+ or equivalent.




Liquid Fund benchmark is CRISIL Liquid Fund Index.



The SFIN for Liquid Fund is ULIF00514/07/08LIQUIDFUND136.


8.5% 8.4% 8.9% 8.3% 8.8% 8.4%


CAGR

(last 2 years)

CAGR


8.2% 7.9% 7.8% 6.9% 8.0% 7.3%


CAGR

(last 5 years)

CAGR

(Since inception)

CAGR

(last 4 years)

Inception Date: 14 Jul 2008

Asset Mix

NAV Movement

13.98%

DEPOSITS WITH BANKS 77.99

COMMERCIAL PAPERS 8.03


TOTAL 100.00

ALLAHABAD BANK FD 2014 6.74

IDBI BANK LTD FD 2015 5.56

CORPORATION BANK FD 2015 5.50

INDUSIND BANK FD 2016 5.44

YES BANK LTD FD 2015 4.92

KOTAK MAHINDRA BANK FD 2014 4.89

HDFC BANK LTD FD 2015 4.89

KOTAK MAHINDRA BANK FD 2015 4.29

YES BANK LTD FD 2014 4.24

PUNJAB & SIND BANK FD 2014 4.24

CORPORATION BANK FD 2014 3.66

IDBI BANK LTD FD 2014 3.61

UCO BANK FD 2014 3.06

UCO BANK FD 2015 3.06

ANDHRA BANK LTD FD 2015 2.76

INDUSIND BANK FD 2014 2.46

ANDHRA BANK LTD FD 2014 2.45

STATE BANK OF PATIALA FD 2014 2.31

ORIENTAL BANK OF COMMERCE FD 2014 1.47

PUNJAB & SIND BANK FD 2015 1.22

UNION BANK OF INDIA FD 2015 1.21

IL & FS Ltd CP 2014 2.36

CORPORATION BANK CP 2015 5.67

DEPOSITS WITH BANKS

COMMERCIAL PAPERS

OTHER NET

CURRENT ASSETS

77.99%

8.03%


Unit Linked NAV Guarantee Fund


This Fund aims to generate long-term capital appreciation from active management of a portfolio of equity and fixed income securities. The

allocation between equity and debt is dynamically managed, depending on the prevalent market conditions to safeguard capital

appreciation. The use of derivatives is as per approval by IRDA.


EQUITY 59.46



TOTAL 100.00

I T C LTD 5.37



ICICI BANK LTD 4.45

HDFC BANK LTD 4.21













YES BANK LTD 1.10



LUPIN LTD 0.96





NTPC LIMITED 0.63




AXIS BANK LTD 0.48

VOLTAS LTD 0.46





WIPRO LTD 0.38

TATA STEEL LTD 0.37

CMC LTD 0.36


NMDC LIMITED 0.32

BOSCH LIMITED 0.31






BAJAJ AUTO LTD. 0.04

APOLLO HOSPITALS ENTERPRISE LTD. 0.03

7.80% GOI OIL 2021 36.44


0% - 100%Equity



All rated fixed income instruments are AAA/P1+ or equivalent.



The SFIN for NAV Guarantee Fund is

ULIF01215/04/11NAVGFUNDSI136.

12

.64

10

.44

5.9

5

5.8

4

5.5

2

4.5

4

3

.81

2

.90

2.1

7

1

.97

1.3

4

1.1

4

0.7

2

0.4

6

0

2

4

6

8

10

12

14


Inception Date: 15 Apr 2011



FMCG METALS





n

n

n

n

n

n

n

n

n

n

n

n

n

NAV Movement

2

4

6

8

10

12

14

Ap

r-1

1

Jun

-11

Au

g-1

1

Oct

-11

Dec

-11

Feb

-12

Ap

r-1

2

Jun

-12

Au

g-1

2

Oct

-12

Dec

-12

Feb

-13

Ap

r-1

3

Jun

-13

Au

g-1

3

Oct

-13

Dec

-13

Feb

-14

Mar

-14

NAV G

11.895

Disclosures:

• The various funds offered are the names of the funds and do not in any way indicate the quality of these funds, their future prospects and returns.

Linked Insurance products are different from the traditional insurance products and are subject to risk factors.

Linked Funds are subject to market risks and there is no assurance or guarantee that the objective of the investment fund will be achieved.

Past performance of the investment funds do not indicate the future performance of the same. Investors in the scheme are not being offered any guaranteed/assured returns.

The Linked Insurance Products do not offer any liquidity during the first five years of the contract. The policyholder will not be able to surrender/withdraw the monies invested in

Linked Insurance Products completely or partially till the end of the fifth year.

The premium paid in Linked insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the

performance of the fund and factors influencing the capital market and the insured is responsible for his/her decisions.

The investment risk in investment portfolio is borne by the policyholder.

Please know the associated risks and the applicable charges, from your insurance agent or the intermediary or policy document issued by the insurance company.

For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

Insurance is the subject matter of the solicitation.

The SFIN (Segregated Fund Index Number) for:

Disclaimer:

Benchmark indices provided by CRISIL - CRISIL indices are the sole property of CRISIL Limited (CRISIL). CRISIL indices shall not be copied, retransmitted or redistributed in any

manner for any commercial use. CRISIL has taken due care and caution in computation of indices based on data obtained from sources, which it considers reliable. However, CRISIL

does not guarantee the accuracy, adequacy or completeness of the indices and is not responsible for any errors or for the results obtained from the use of the indices. CRISIL

especially states that it has no financial liability whatsoever to the users of CRISIL indices.

Revision in benchmark of debt investments:

• CRISIL’s standard composite Bond Index & CRISIL Liquid Fund Index were used as a performance measurement benchmark for debt investments. With effect from15th April 2013,

CRISIL has changed benchmark calculation methodology wherein in addition to other changes, the fund management charges which were earlier deducted from the benchmark

are not deducted now.

• Due to the above change, we have requested CRISIL to develop customized CRISIL indices so that relevant comparison of fund performance with benchmark can be done.

• Please note this is only a change in comparison methodology and does not in any way impact actual fund returns.

•

•

•

•

•

•

•

•

•

• Equity Fund is ULIF00116/06/08EQUITYFUND136, Equity II Fund is ULIF00607/01/10EQUTYIIFND136, Growth Fund is

ULIF00216/06/08GROWTHFUND136, Growth II Fund is ULIF00707/01/10GROWTIIFND136, Growth Plus Fund is ULIF00913/09/10GROWTPLFND136, Balanced Fund is

ULIF00316/06/08BLNCEDFUND136, Balanced II Fund is ULIF00807/01/10BLNCDIIFND136, Balanced Plus Fund is ULIF01013/09/10BLNCDPLFND136, Debt Fund is

ULIF00409/07/08INDEBTFUND136, Debt Plus Fund is ULIF01115/09/10DEBTPLFUND136, Liquid Fund is ULIF00514/07/08LIQUIDFUND136, NAV Guarantee Fund is

ULIF01215/04/11NAVGFUNDSI136 & Discontinued Policy Fund is ULIF01319/09/11POLDISCFND136.

Canara HSBC Oriental Bank of Commerce Life Insurance Company Limited (IRDA Regn.No.136)

Registered Office: C31 & C32, First Floor, Connaught Circus, New Delhi-110001

Corporate Office: Unitech Trade Centre, 2nd Floor, Sushant Lok, Phase-1, Sector-43, Gurgaon-122009, Haryana, India

Switch Funds

Redirect

Premium

enabled

NLMSCNJINVMAR14 ENG

For enquiry, please call: 1800-103-0003/1800-180-0003 or visit us at: www.canarahsbclife.com

BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS. IRDA clarifies to public that • IRDA or its officials do not involve in activities like sale

of any kind of insurance or financial products nor invest premiums. • IRDA does not announce any bonus. Public receiving such phone calls are requested to lodge a

police complaint along with details of the phone call and number.


Managing your policy

was never this easy.

www.canarahsbclife.com

Register today

It's quick and easy!

All you need is your Client ID, Policy Number and Date of Birth.

Insurance is the subject matter of the solicitation. Canara HSBC Oriental Bank of Commerce Life Insurance Company Limited . Corporate Office: Unitech Trade Centre, 2nd Floor, Sushant

Lok, Phase-1, Sector-43, Gurgaon-122009, Haryana, India. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale. Website: www.canarahsbclife.com.

Call: 1800-103-0003/1800-180-0003 (BSNL/MTNL). SMS: 9779030003. Email: [email protected]. NLINSNJSP001APR12 ENG

(IRDA Regn.No.136)

NLFLRNJCANESTV1FEB14 ENG

BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS. IRDA clarifies to public that:• IRDA or its official do not involve in activities like sale of any kind of insurance or financial products nor invest premiums.• IRDA does not announce any bonus.Public receiving such phone calls are requested to lodge a police complaint along with details of phone call, number.

Gold Glitters but whenit comes to investment,

EQUITY OUTSHINES.

Take a closer look at the long term comparison#

If you had invested ` 1Lakh 15 years back, this would have been the fate of equity, gold and fixed deposit.

I N I T I AT I V E

CUSTOMEREDUCATION

EQUITY* GOLD** FIXED DEPOSIT***

After 15 Years: ` 7,07,519/- After 15 Years: ` 6,09,400/- After 15 Years: ` 3,17,217/-

• Linked Insurance products are different from the traditional insurance products and are subject to risk factors. • Linked Funds are subject to market risks and there is no assurance or guarantee that the objective of the investment fund will be achieved. • Past performance of the investment funds do not indicate the future performance of the same. Investors in the scheme are not being offered any guaranteed/assured returns.• The Linked Insurance Products do not offer any liquidity during the first five years of the contract. The policyholder will not be able to surrender/withdraw the monies invested in Linked Insurance Products completely or partially till the end of the fifth year. • The premium paid in Linked insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of the fund and factors influencing the capital market and the insured is responsible for his/her decisions.• The investment risk in investment portfolio is borne by the policyholder. • Please know the associated risks and the applicable charges, from your insurance agent or the intermediary or policy document issued by the insurance company

#Period considered for comparison: 1st January 1999-31st December 2013. *Source : Bloomberg & NSE Nifty Index. Investment in equity market is considered as investment in

NSE Nifty Index. ** Investment in gold is considered as investment in gold bullion. ***Fixed Deposit rate considered is 8% per annum. No taxation is assumed on the same.

Investment in Equity has given 16% higher returns over the last 15years when compared to gold.

Insurance is the subject matter of the solicitation. The insurance products are offered and underwritten by Canara HSBC Oriental Bank of Commerce Life Insurance Company Limited

(IRDA Regn. No.136), Unitech Trade Centre, 2nd Floor, Sushant Lok, Phase-1, Sector-43, Gurgaon-122009, Haryana, India. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

Gold has been a culturally embedded commodity and requires no explanation to India’s fascination towards it. A Unit Link Insurance

Plan(ULIP) is a great combination of protection and investment. A ULIP gives a life insurance cover and an investment option to

choose between equity and debt, or a combination of both, depending on your risk appetite. So, if you have chosen equity as your

investment option, it could give a better return over the long term as compared to gold.

Documents

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