Inside... Letter from our co-heads retail sales.

Dear Friends,

As we come close to this financial year, let us congratulate you on another illustrious year that it has been.

The fall in markets in the initial part of the quarter may have left your investor a bit jittery. Only when you take a long hard look at history, you realize this is nothing new. Stock markets go through different phases time and again, and offer investors rare opportunities like the current one which will help them create wealth in the long term. While all of us (including the rest of the world) seem to agree that long-term fundamentals of Indian markets are robust, market correction should be viewed with optimism and used as an opportunity rather than a reason to fear and redeem or switch monies to other seemingly safer asset classes.

The markets may see some volatility during the year, driven by news, both international and domestic however strategies like Systematic Investment Plans works beautifully during such times and fetch investors superior risk adjusted returns. So now is a time to begin the Wealthy Habit as SIP for your investors.

We would also like to take this opportunity to highlight the benefits of Birla Sun Life Balanced ’95 Fund – a consistent performer which provides you the balance of safety and growth. A scheme with a legacy of over 20 years, it allocates your money between debt and money market and equity/equity related instruments. The tax season is also a good opportunity for your investor to consider ELSS - BSL Tax Relief’ 96. An SIP of ` 10000 in BSL Tax Relief’ 96 since inception (Date of Inception: March 29, 1996) with a total investment of ` 23,70,000 would have yielded a total corpus of ` 2,93,34,555 at a CAGR of 21.73% as of December 31, 2015 (Source:ICRA).

On the service side, we have introduced several initiatives to enable your investor to transact easily. Suppose your customers do not have the time to visit an AMC office for verification, we can now do the same, online. Reduce the effort, time and paperwork with our eKYC process. Our new app for the investor – FinGo is now live on Google Play Store. It can provide a host of services like transaction, reports, calculator, news and updates and much more. Do encourage your investor to download the same.

We are also happy to share with you that your very own ABFS Privilege Club has been awarded as the Best Loyalty Program – Non-Banking Sector by AIMIA. This recognition is only due to the support of partners like you.

We look forward to all your support in this last quarter of the financial year as we aim to scale new heights together.

Committed to support you always.

Deepak & Sidharth

Sidharth DamaniCo-head Retail Sales & Distribution – West & South

ISSUE 9 | January - March 2016THE QUARTERLY NEWSLETTER

India DebtConclave - 2015

Conveniencewith eKYC

Wealthy Habit HeroFelicitation

Nivesh Maha Kumbh

KS Rao, Head - Investor Education& Distribution Development

One Time Mandate

Birla Sun Life Tax Relief ’96(An Open-Ended Equity Linked Savings Scheme (ELSS)

with a lock-in of 3 years)

Birla Sun Life MF FinGo

Deepak GuptaCo-head Retail Sales & Distribution – North & East

Birla Sun Life MF FinGo

In a fast-paced world where information at one’s fingertips determines the difference between an opportunity taken and an opportunity missed, your customers need a tool that keeps them ahead at all times!So go ahead, download the app now, and get busy on your mobile with Birla Sun Life MF FinGo.

Android, Google Play and the Google Play logo are trademarks of Google Inc.

Conveniencefor them.Appreciation for you.

Now you can chart out the course for your customers to achieve their financial goals, while you simultaneously view your business roadmap to success. And that too, at just a touch!

Introducing Birla Sun Life MF FinGo – a simple, easy and convenient user-friendly mobile app that offers investment solutions to help your customers achieve their financial goals.

Explore all their dealings with us at just one look with an efficient dashboard

View their capital gains, account statements& transaction history

Invest & transact in lump sum investments and SIPs

Calculate their expected returns with the SIP calculator, plan their retirement, dream vacation & home, child’s future and many more goals

What can they do with Birla Sun Life MF FinGo app?

Capitalise on new opportunities in the market like New Fund Offerings and also check the NAVs & Dividend Values of various schemes of Birla Sun Life Mutual Fund

Stay updated with the latest news, market updates, Fund Manager views and much more

Place service requests for a call back, search for their nearest branch and even get the contact numbers required

Quick transactallows them to save their favorite transactions& execute them quickly

One Time Mandate

One Time Mandatefor seamless, paperless & effortless transactions.

Filling authorization details every time your customers carry out an investment transaction can be quite a tiresome process. The power to change that is in your hands. All you have to do is show them the convenience of the One Time Mandate.

The ECS facility is getting wound up w.e.f. March 1, 2016. This applies for all new SIP registrations done with a fresh debit mandate that are to be in a new One Time Mandate format as processing of ECS files by the banks will be discontinued from the new FY i.e. April 1, 2016.

This has made the OTM facility possible from anywhere within the country irrespective of your customer’s bank branch location which has branches participating in Reserve Bank of India (RBI) Electronic Clearing System (ECS)/National Electronic Clearing System (NECS)/Regional Electronic Clearing System (RECS) facility and National Automated Clearing House (NACH) platform. Not only has this helped benefit your customer but also adds a dash of convenience for you as well. Read on to know all about it!

For further details on the OTM facility, visit mutualfund.birlasunlife.com So go ahead, spread convenience and help your customers say “hello” to automation!

How does OTM benefit your customers?

Eliminates the need to loginor share bank details every time

Brings convenience while makinglump sum investments or starting new SIPs

Reduces SIP registration time from21 days to just 5 days

Register as many SIPs through this facility,as long as they don’t exceed their set pertransaction limit

Allows investments without cheque/DDor online funds transfer

Invest through any mode(Physical/SMS/Website)

How does it benefit you?

Convenient to receive mandatefor easy asset allocation and recommendation

Faster registration of SIP in 5 days Cheque reject cases are reduced

Investments can be tracked, folio-wise

Overwriting, correction, striking off, usage of whitener, counter signature, etc. is not allowed in OTM Mandate.Name and Signature to be ensured as per bank records.

Please Note:

Presenting Birla Sun Life Tax Relief ’96 (An Open ended Equity Linked Savings Scheme (ELSS) with a lock-in of 3 years), so that your customers don’t just save tax but can also create wealth.Did you know?If your customers would have invested ` 10,000 in Birla Sun Life Tax Relief ’96 since inception (Date of inception: March 29, 1996), their investments would have grown 104 times to ` 10,46,603. Take a look at its performance below:

Birla Sun Life Tax Relief ’96

Can a tax saving instrument grow your investment over 100 times?

B R E A Kse

With Birla Sun Life Tax Relief ’96, yes you can!(An Open ended Equity Linked Savings Scheme (ELSS) with a lock-in of 3 years)

Birla Sun LifeTax Relief ‘96(An Open ended Equity Linked Savings Scheme (ELSS) with a lock-in of3 years)

Scheme: This product is suitable for investors who are seeking:

• long term capital growth• investments in equity and equity related securities,

with tax benefit under section 80C, subject to eligibilityInvestors should consult their financial advisors, if in doubt about whether the product is suitable for them.

Investors understand that their principalwill be at Moderately High risk

` 10,000 invested in Birla Sun Life Tax Relief ’96 on March 29, 1996, has grown to ` 10,46,603 as on December 31, 2015 @26.52% CAGRNOTE: All dividends declared prior to the splitting of the Scheme into Dividend & Growth options are assumed to be reinvested in the units of the Scheme at the then prevailing NAV (ex-dividend NAV). NAV as on December 31, 2015 (for Regular Plan – Growth Option) – ` 21.87. Returns except since inception are absolute. Benchmark for the scheme: S&P BSE 200. Additional Benchmark: Nifty 50.

Past performance may or may not be sustained in future. Load and Taxes are not considered for computation of returns.Tax deduction(s) available u/s 80C of the Income Tax Act, 1961 is subject to conditions specified therein. Investors are requested to note that fiscal laws may change from time to time and there can be no guarantee that the current tax position may continue in the future. Investors are advised to consult their tax advisor in view of individual nature of tax benefits.

To know the performance of other schemes managed by the fund manager, Mr. Ajay Garg, please refer our factsheet. Total No. of schemes currently managed by Fund Manager is 7.

Set your clients on a potential wealth creation and tax-saving journey with Birla Sun Life Tax Relief ’96.For AMFI/NISM Certified partners only. For private circulation only.

Investment Performance - Regular Plan - Growth

Date of Inception: Mar 29, 1996

March 29, 1996 (Since Inception) [CAGR] 10.00 26.52 12.23 11.14 10,46,603 97,785 80,649

December 31, 2014 To December 31, 2015 [Absolute] 20.03 9.19 -1.48 -4.06 10,919 9,852 9,594

December 31, 2013 To December 31, 2014 [Absolute] 12.96 54.55 35.47 31.39 15,455 13,547 13,139

December 31, 2012 To December 31, 2013 [Absolute] 11.88 9.09 4.38 6.76 10,909 10,438 10,676

NAV as on December 31, 2015: ` 21.87

Birla SunLife Tax

Relief ‘96 (%)

S&P BSE 200 (%)

Value of StandardInvestment of ` 10000 in

NAV Per Unit. (`)

Nifty 50(%)

Birla Sun Life Tax

Relief ‘96(`)

Nifty 50 (`)

S&PBSE 200

(`)

Your customers don’t want to visit office to get their KYC done? No problem!Now they can do so, online. So guide them to complete their KYC online from the comfort of their home by reducing the time and paper-work involved with the help of our online eKYC process.

Convenience with eKYC

Step2

How to go about it?Step

1

Step3

• Upload your self-attested eKYC documents and choose from the2 date and time options for eIPV (electronic In Person Verification)

• Receive confirmation

• Enter the OTP, which is generated by filling in the details asked, on website.

• Enter your PAN, bank account and other applicant details.• After confirming the details, download and print the KYC

form, sign and scan it.

• Your profile is now created. Enter the details prompted. (In case documents are not in place, you’ll receive an email within 2 days from our customer contact centre).

• Receive an email confirming the eIPV• Complete your eIPV through video call• Your eKYC is done and you can immediately start your transactions!

India Debt Conclave 2015 – a huge success!

As one of the industry leaders, Birla Sun Life Asset Management Company conducted the India Debt Conclave 2015. Held in December and January in Mumbai, Delhi and Bangalore, this event included a mix of the very best of the distributor community.

The India Debt Conclave focused on the achievements of BSLAMC in the fixed income space and also gave a better understanding of its principles, processes & philosophy.

Initiatives

India Debt Conclave

Glimpse of the India Debt Conclave

Aditya Birla Financial Services Privilege Club – Child Scholarship

Wealthy Habit Hero FelicitationIn the month of August 2015, Birla Sun Life Mutual Fund rolled out the ‘Wealthy Habit Hero’ contest exclusively for all its Aditya Birla Financial Services Privilege Club members. This program allowed Club members to accumulate bonus points on every SIP purchase.The contest turned out to be a huge success with a large number of SIPs and new investors added, thus leading the business to scale new heights. The top 20 IFAs were selected to be felicitated at our Head Office on December 16, 2015 to meet our CEO, Mr. A. Balasubramanian & the senior management team.

Harsh Gehlot - Finedge Advisory

Devendra Paliya andPaliya Devendrakumar Chandrakantbhai Chintan Hiresh Ghadiyali

Kavita Devi - Finanz India

Dheeraj Gupta

Right HorizonFinancial Services

Manish Chauhan- ICoach Fin. Consultancy

Sanjiv Chakraborty- Right Choice Sec Ganesh S Shanbhag Chetan Lakhotia - Basant Lakhotia

Hitesh Shah - Shah & Shah Insurance Consultant

Virendra Singh Ranawat- Cognus Consultants

Ankit Rugta- Shri Ashutosh Securities

Kaushik Nagda & Kaushik Bhat- Invest India Fin. Services

Our CEO, Mr. A Balasubramanian, felicitatedthe Wealthy Habit Hero contest winners

Leelam Bhura - Reena Bhura

Prabhat KumarUlpesh Raj

- Ishwar Fin. Services

Shine brighter post summer!

Class X All those getting 85% and above can applyClass XII All those getting 80% and above can applyGraduation (Any bachelor’s degree from a reputed university) All those getting above 60% at graduation level can apply

Class Category Criteria

So hurry! Fill out the application forms, contact your Relationship Manager and rush to submit.

Diamond 30,000 Platinum 25,000 Gold+ 20,000

Club Level Eligible Amount (`) Gold 15,000 Silver 10,000

Club Level Eligible Amount (`)

The final exams will soon be over and we are sure there might be a vacation planned as well. But while your child preps for a holiday, you can prepare yourself for what lies ahead. Not only have you planned for your child's future, but here's a chance to secure it.As an ABFS Privilege Club member, you can avail the benefit of the Child Scholarship Scheme by simply getting in touch with your Relationship Manager. Here's an overview of how it works. One has to apply for scholarship within 6 months of passing the exam. For example, if your child has passed Graduation on May 1, 2016, his/her Child Scholarship Application Form needs to reach the ABFS Privilege Club team by October 31, 2016.

In this edition of the IFA Newsletter, we intend to share with you, an update on our latest outreach program of Investor Education - Nivesh Maha Kumbh, in association with the local IFA community. ‘Scale’ is always the goal of Birla Sun Life Asset Management Company in our Out Reach Program. We intend to reach out to a larger section of the society to educate, engage and empower. An educated customer is an empowered customer and in turn, a more protected investor.

On November 21, 2015, we conducted our first Nivesh Maha Kumbh at Jabalpur, with 65 IFAs and over 1100 investors participating in it. This event serves a twin objective – to spread the awareness about Mutual Funds and help channel partners to expand their business. During this event, a regional media partner worked closely with the Jabalpur IFA association. This event has helped us bring in a good mix of new and existing mutual fund investors. We further intend to reach out to all major towns beyond metros. Watch out for our next event which is scheduled at Belgaum.

Nivesh Maha Kumbh, comes with a tag line, "Understand DIP at the Nivesh Maha Kumbh and purify your financial lives". Here, DIP stands for the 3 most relevant concepts that define successful investing; delayed gratification, inflation and power of compounding. Any investor who understands DIP will surely purify his financial life from all the emotions that make him take inappropriate financial decisions.

Nivesh Maha Kumbh is a platform not only to create awareness on Mutual Funds but also an understanding of holistic life planning which empowers to cultivate healthy and wealthy habits. We have also created a different format. Instead of presentations, we engage the audience through skits to deliver the message effectively. We have created different stalls called Life Goal planning stall, Liquid stall, Equity stall, Hybrids stall, etc. Each of these stalls convey the essence of the goal-based approach to meet their financial obligations.

Coming back on our NIPUN training programs, we are happy to share that the first case study on goal planning is mailed to all the 3600 Chartered Financial Goal Planners. The case study can also be downloaded from http://www.aafmindia.co.in/cfgp-birla/download_casestudy.aspx

We are re-launching CFGP from April 2016. Our mission is to train and certify over 10,000 IFAs. We are going to introduce quarterly webinars for CFGP certified IFAs, as a continuing education initiative. This will be a case study approach to give it a practical edge. To supplement CFGP, we have created a book called “Life Goal Planning” and introduced a Goal Planning Calculator App, which can be downloaded from the Google Play Store. https://play.google.com/store/apps/details?id=com.birlasunlife.calculator.birlasunlife

2016 is considered as a symbol of love and learning. Team – Nipun at Birla love to serve you in taking your learnings to the next level. We wish you leap forward from Success to Significance in your career and life.

Nivesh Maha Kumbh

KS Rao, Head - Investor Education& Distribution Development

- “The Bulletproof Monk” movie

It’s not about understanding others.It’s not about understanding yourself.

It’s not about power. It’s not about grace.It’s not about anger. It’s not about peace.

Believe and you can do it.

This document is strictly confidential and for restricted use; and the same is meant for private circulation only. The details contained in this document is solely

for the information and understanding of intended recipients only and the information mentioned herein shall be deemed not to constitute an advice, an offer to

sell/purchase or as an invitation or solicitation to do so for any securities of any Schemes of Birla Sun Life Mutual Fund. Birla Sun Life Mutual Fund does not solicit

any action based on the information contained in the document and does not recommend any action based on the same. If you are not the intended recipient, you are

hereby notified that any use, distribution, reproduction or any action taken or omitted to be taken in reliance upon the same is prohibited and may be unlawful. The

contents of this document do not necessarily represent the views or policies of Birla Sun Life Mutual Fund/Birla Sun Life Asset Management Co. Ltd. (BSLAMC).

Further, the recipient shall not copy/circulate contents, in part or in whole, or in any other manner whatsoever without prior and explicit approval of BSLAMC.

Wherever possible, all the figures and data given are dated, and the same may or may not be relevant at a future date. In the preparation of the material contained,

BSLAMC has used information that is publicly available and/or information developed in-house. Information gathered and material used in this document is believed

to be from reliable sources. Further the opinions expressed and facts referred to in this document are subject to change without notice and BSLAMC is under no

obligation to update the same. While utmost care has been exercised, BSLAMC or any of its officers, employees, personnel, directors make no representation or

warranty, express or implied, as to the accuracy, completeness or reliability of the content and hereby disclaim any liability with regard to the same. Statements /

opinions / recommendations in this document, which contain words, or phrases such as "will", "expect", "should", "believe" and similar expressions or variations of

such expressions, which are "forward looking statements". Actual results may differ materially from those suggested by the forward looking statements due to risk or

uncertainties associated with expectations with respect to, but not limited to, exposure to market risks, general economic and political conditions in India and other

countries globally, which have an impact on our services and / or investments, the monetary and interest policies of India, inflation, deflation, unanticipated turbulence

in interest rates, foreign exchange rates, equity prices or other rates or prices etc.

Training calendar - January & March 2016

Mutual Fund investments are subject to market risks, read scheme related documents carefully.

For A

MFI

/NIS

M C

ertifi

ed p

artn

ers

only.

North UP Varanasi 16-Mar-16 IFA for IFA Mr. Dharmendra Satapathy

North UP Allahabad 17-Mar-16 IFA for IFA Mr. Dharmendra Satapathy

North UP Gorakhpur 18-Mar-16 IFA for IFA Mr. Dharmendra Satapathy

North DelhiNCR Noida 20-Mar-16 Equity Voyage Dr. Ajay Mittal

North DelhiNCR Noida 21-Mar-16 Simplified Financial Planning Dr. Ajay Mittal

North Delhi NCR Faridabad 22-Mar-16 Equity Voyage Dr. Ajay Mittal

Hurry!Limited Seats.• CFGP stands for Chartered Financial Goal Planner Certification • AAFM stands for American Academy of Financial Management

IFA for IFA - Internet, Facebook & Applications for IFA.

Zone Region Location Date Training Module Trainer