Where Net Portfolio Return( NPR) = Gross Portfolio Return ...saharamutual.com/downloads_files/facsheets/july 05 fs sahara.pdf · Where Net Portfolio Return( NPR) = Gross Portfolio

Where Net Portfolio Return( NPR) = Gross Portfolio Return(GPR) -

Third Party expenses

(a) If NPR < Benchmark IMA fees = zero

AND NPR < 0

(b) If either NPR > Benchmark Actual IMA fees = ½

OR NPR > 0 of maximum permissible

IMA fees

(c) If both NPR > Benchmark Actual IMA fees = maximum

AND NPR > 0 permissible IMA fees

IMA= Investment Management and Advisory fees.

Illustration 1:

Assuming that the Benchmark return = 0.20%

(a) If NPR is (0.05)% i.e. NPR < IMA fees = zero

Benchmark and NPR < 0

(b) If NPR is 0.15% i.e. NPR < Actual IMA fees = ½ of

Benchmark but NPR > 0 maximum permissible

IMA fees

(c) If NPR is 0.30% i.e. NPR > Actual IMA fees =

Benchmark but NPR > 0 maximum permissible

IMA fees

Illustration 2:

Assuming that the Benchmark return = (0.05)%

(a) If NPR is (0.08)% i.e. NPR < IMA fees = zero

Benchmark and NPR < 0

(b) If NPR is (0.03%) i.e. NPR > Actual IMA fees = ½ of

Benchmark but NPR < 0 maximum permissible

IMA fees

(c) If NPR is 0.03% i.e. NPR > Actual IMA fees =

Benchmark and NPR > 0 maximum permissible

IMA fees

Is your MUTUAL fund truly MUTUAL?

Didn't we always believe that the word 'Mutual' is when You give

as much as you take?

Mutual Funds collect money from a number of investors, like you,

and invest it for them. In return you pay them an amount as fees.

This is what makes this business mutual. But, then, why do you

pay this fee irrespective of the scheme's performance. Is your

mutual fund truly mutual?

At Sahara Mutual Fund we truly practice the term 'mutual'. For the

first time ever in India, we are proud to launch a daily 'Variable

AMC Fee' wherein the fee is linked with the funds' performance.

For us 'Mutual' is not merely a financial word before fund, it is the

concept that drives our business...this is what makes us 'Sach Mein

Mutual' !

Variable Pricing Option:

At Sahara Mutual Fund, we take the onus for our performance by

linking it to the fee we earn. It is about building a long term

relationship. One in which we remain 'Mutually Yours' over the

years. That's why we offer the Variable Pricing Option.

How the Variable Pricing Option works:

Under the Variable Pricing Option, the AMC fee earned depends

on the scheme's daily performance.

The two conditions being considered for charging Investment

Management & Advisory fees are :

(i) Net portfolio return (NPR) > Benchmark Return

(ii) Net Portfolio Return (NPR) > 0

The fees are charged accordingly, on the basis of whether

at least one of the two conditions is met.

Sahara VARIABLE PRICING CONCEPT

Mutual is when both sides win.

match them with our stringent and robust stock selection

processes before we invest in them. We take a company's

average ROE over 3 years for consistency and better reliability

and compare it to the annual yield of a 5 - year Govt. of India

security as on 31st March of the previous financial year. The

average ROE must be at least twice the annual yield. The

companies should also have a market capitalization of at least

Rs. 100 crores at the time of investment. Companies that do not

show consistency in earnings may be avoided even though they

post higher ROE. This is to ensure steady returns to our investors.

Currently there are around 3000 stocks that are traded out of

more than 7000 listed on the bourses. Out of these 3000

companies, around 200 stocks currently qualify for investments

under this scheme. This basket of around 200 stocks would often

undergo change as more stocks, which qualify under our stringent

selection criteria, become available for investment.

Even though ROE forms the core idea, tools such as Economic

Value Added (EVA), EPS, P/E etc. and our extensive in-house

research would be used concurrently for this Scheme's portfolio

management.

Investment Pattern:

Instrument % of allocation Risk Profile

Min Max

Equity 70 100 High

Debt & Money 0 30 Low to Medium

Market Instruments

Of which 0 20 Low to Medium

Securitized debt

SAHARA WEALTH PLUS FUND

New Fund Offer Period (July 4 to July 29, 2005)

Objective: The scheme's primary objective is to invest in equity

and equity related instruments of companies that will be wealth

builders in the long term.

Benchmark : S & P CNX 500

New Fund Offer Price : Rs. 10/- per unit at par plus applicable

Load

Minimum Application : Rs.1000/- with additional investment of

Rs.500/- and in multiple of Re. 1/- thereafter

Options Available : Fixed Pricing option and Variable Pricing

Option.

Scheme choices under both Options: Dividend payout,

Dividend Reinvestment and Growth option.

Load Structure

Application Size Entry Load Exit Load/CDSC

<= 1 crore 2.25% Nil

>1 crore to <= 5 crore 1.75% Nil

> 5 crore Nil 1% if redeemed

before 3 months

Return on Equity (ROE)- The Core Idea

The return that a company gets on its equity is one of the most

important factors in making successful stock investments. Return

on Equity (ROE) provides a useful indication of how well fund

managers are employing the funds to generate returns.

We analyze companies and industries inside out before making

investments. Studying their performance of minimum 3 years, we

Sahara Wealth Plus FundSahara

Mutual is when both sides win.

SchemeF E A T U R E S

SaharaMinimum Application amount :Rs 1000/- and in multiples of Re 1/- thereafter

Entry Load (w.e.f. 01.02.05) : • 2.25% for investments < 25 lakhs •1.75% for investment > = 25 lakhs & < 1 crore• Nil for investment > = 1 crore Exit Load : Nil

Entry Load : Nil - for SIP/STP investments into Sahara MidCap FundExit Load : Normal entry load would be charged as exit load if redeemed before 12 months

for such SIP/STP investments.

The investment objective of the scheme is to achieve long term capital growth

at medium level of risks by investing primarily in mid-cap stocks. The investment

manager will have the discretion to invest upto 100% of the assets in the

portfolio in equity/equity related instruments at a given point of time.

Scheme TypeAn open - ended growth fund

Investor Profile:Ideal for investors seeking high returns at relatively medium risk across

long term horizon.

Investment Option:Investors under the Sahara Midcap Fund have the choice of Growth Plan,

Dividend Plan, Growth Auto-payout Plan and Bonus Plan.

Benchmark Index:CNX Midcap 200

Inception Date:December 31, 2004

NAV as on June 30, 2005All options: Rs. 10.9552

MIDCAP FUND

P o r t f o l i o a s o n 3 0 . 0 6 . 2 0 0 5

Past performance may or may not be sustained in future

Sector-wise Asset DistributionAsset Allocation

NAV

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Sector Security Name % of Grand % of SectorTotal Total

EQUITY SHARES

Consumer Goods Voltas Ltd. 5.24

Tata Coffee Ltd 4.61

EID Parry (India) Ltd. 3.04 16.35%

Samtel Colour Ltd. 1.89

Williamson Tea Assam Ltd. 1.57

Industrial Manufacturing KSB Pumps Ltd. 5.14

SKF India Ltd. 4.87

Engineers India Ltd. 3.7715.41%

FCI OEN Connectors Ltd. 1.63

Financial Services Tata Investment Corporation Ltd 4.56

Lakshmi Vilas Bank Ltd 2.25 9.01%

South Indian Bank Ltd 2.20

Textiles Indian Rayon & Industries Ltd 5.298.80%

Raymond Ltd 3.51

Chemicals Atul Ltd 3.41

Gujarat Alkalies and Chemicals 2.62 8.07%

Clariant India Ltd. 2.04

Cement & Cement Products Century Textiles & Industries 3.987.13%

Birla Corporation Ltd 3.14

Metals Gujarat Mineral Devel Corp 3.677.08%

Mahindra Ugine Steel Co Ltd 3.41

IT Tata Elxsi Ltd 2.945.45%

Helios & Matheson Information 2.52

Automobile Sundaram Fasteners Ltd 3.675.45%

Subros Limited 1.78

Services Essar Shipping Ltd 2.674.30%

Thomas Cook Ltd 1.62

Paper Tamil Nadu Newsprint & Papers 3.25 3.25%

Pharmaceuticals IPCA Laboratories Ltd 1.89 1.89%

Energy Indraprastha Gas 1.52 1.52%

Fertilisers & Pesticides Gujarat State Fertilisers & Che. Ltd 1.47 1.47%

Sub-Total 95.18% 95.18%

Floating Rate NCD Sundaram Finance Ltd 2.62% 2.62%

Current Assets 2.20% 2.20%

GRAND TOTAL 100.00% 100.00%

Performance (%)

Scheme/ NAV/Index 1 month 3 months IncepIndex Name

Midcap Fund 10.9552 0.94 9.45 9.55

Benchmark 2991.95 0.33 7.54 15.28

Benchmark Index:CNX Midcap 200

Note: Absolute Returns

Note: Past Performance is no guarantee of future results.


SaharaMinimum Application amount : Rs.3000/- and additional investments in multiples of Rs.1000/-Entry Load : • 2.00% for investments < 25 lakhs •1.50% for investment >= 25 lakhs & < 1 crore

• Nil for investment > = 1 crore Exit Load : Nil

Entry Load : Nil - for SIP/STP investments into Sahara Growth FundExit Load : Normal entry load would be charged as exit load if redeemed before 12 months

for such SIP/STP investments.

GROWTH FUND

P o r t f o l i o a s o n 3 0 . 0 6 . 2 0 0 5The investment objective of the scheme is to achieve capital appreciation

by investing in equity and equity related instruments.

Scheme TypeAn open - ended growth fund

Investor Profile:Ideal for investors seeking high returns at relatively medium risk across

long term horizon.

Investment Option:Investors under the Sahara Growth Fund have the choice of Growth,

Dividend Payout Option & Dividend Reinvestment Option.

Inception Date:August 30, 2002

NAV as on June 30, 2005Dividend - Rs. 17.48

Growth - Rs. 25.34


Industrial Manufacturing Bharat Electronics Ltd 6.50%

Asea Brown Boveri Ltd 6.03%

Bharat Heavy Electricals Ltd 4.87%29.93%

Larsen and Toubro Limited 4.64%

SKF India Ltd. 4.41%

Bharat Forge Ltd 3.48%

Metals Hindustan Zinc Ltd 6.03%

National Aluminium Co Ltd 4.41% 12.76%

Sesa Goa Ltd 2.32%

Automobiles Tata Motors Ltd 3.48%

Mahindra & Mahindra Ltd 3.25%11.37%

Hero Honda Motors Ltd 2.32%

Majestic Auto Ltd. 2.32%

Energy Neyveli Lignite Corporation Ltd 6.03%10.90%

National Thermal Power Corp Ltd 4.87%

Consumer Goods Voltas Ltd. 6.26%10.44%

Tata Tea Ltd 4.18%

IT Tata Consultancy Services Ltd 7.88% 7.88%

Cement & Cement products Grasim Industries Ltd 7.42% 7.42%

Current Assets 9.29% 9.29%

Grand Total 100.00% 100.00%


Dividend DeclaredDividend declared on the face value of Rs. 10/-


Dividend History:Record Date Rate % Of Div Cum Div NAV (Rs)

28.01.2005 3 rupees per unit 30.00% 19.57

25.09.2003 3 rupees per unit 30.00% 14.95

NAV

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Performance (%)

Scheme/ NAV/Index 1 Yr 2 Yrs IncepIndex Name

Growth Fund 25.34 42.20 48.12 39.98

Benchmark 2220.60 47.49 39.93 32.47

Benchmark Index:S & P CNX Nifty

Note: Annualised Returns for 1 year and CAGR for more than 1 year period



SaharaTax Gain Fund - Minimum Application amount : Rs.500/- and additional investments in multiples of Rs.500/-

Entry Load : 2.00% Exit Load : NilEntry Load : Nil - for SIP/STP investments into Sahara Tax Gain Fund

Exit Load : Normal entry load would be charged as exit load if redeemed before 12 months for such SIP/STP investments.



P o r t f o l i o a s o n 3 0 . 0 6 . 2 0 0 5The objective of the scheme is to provide immediate tax relief and long term growthof capital to investors.

Scheme TypeAn open - ended Equity Linked Saving Scheme (ELSS)

Investor Profile:Ideal for investors seeking high returns at relatively medium risk across long termhorizon by investing in equity and equity related instruments.

Investment Option:Investors under the Sahara Tax Gain Fund have the choice of Growth, Dividend PayoutOption & Dividend Reinvestment Option.

Inception Date:April 1, 1997

NAV as on June 30, 2005Dividend - Rs. 47.13Growth - Rs. 94.02


TAXGAIN FUND


Industrial Manufacturing Bharat Heavy Electricals Ltd. 4.26%SKF India Ltd. 4.26%Bharat Electronics Ltd 3.83% 17.87%Asea Brown Boveri Ltd 3.40%Bharat Forge Ltd 2.13%

Metals Tata Iron & Steel Company Ltd 5.96%National Aluminium Co Ltd 3.40% 15.32%Sesa Goa Ltd 3.40%Hindalco Industries Ltd. 2.55%

Consumer Goods Tata Coffee Ltd 3.40%Hindustan Lever Ltd 3.40% 9.78%Voltas Ltd. 2.98%

Energy National Thermal Power Corp Ltd 4.26%Indraprastha Gas 2.55% 9.36%Neyveli Lignite Corporation Ltd 2.55%

Telecom Videsh Sanchar Nigam Ltd 4.68% 8.94%Mahanagar Telephone Nigam Ltd 4.26%

IT Helios & Matheson Information 5.11% 8.09%Tata Consultancy Services Ltd 2.98%

Cement & Cement Products Grasim Industries Ltd 5.53% 5.53%Automobile Mahindra & Mahindra Ltd 2.98% 5.11%

Hero Honda Motors Ltd. 2.13%Financial Services South Indian Bank Ltd 4.26% 4.68%

State Bank of Bikaner & Jaipur 0.43%Pharmaceuticals Wockhardt Ltd 4.26% 4.26%Current Assets 11.06% 11.06%GRANT TOTAL 100.00% 100.00%

NAV

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Performance (%)

*Benchmark Index:Note: Annualised Returns for 1 year and CAGR for more than 1 year periodNote: Past Performance is no guarantee of future results.

Scheme/ NAV/Index 1 Yr 3 Yrs 5 Yrs IncepIndex Name ValueGrowth Plan 94.02 53.80 36.81 4.52 32.33BSE 200* 923.08 47.70 32.99 12.38 13.60

Dividend HistoryRecord Date Rate % Of Div Cum Div NAV(Rs)19.01.2005 10 rupees per unit 100.0% 70.6123.03.2005 20 rupees per unit 200.0% 66.75


Sahara GILT FUND

To generate risk free return and thus provide medium to long term capital gains withincome distribution along with capital gains tax relief to its Unit holders, at all timesemphasizing the importance of capital preservation.

Scheme TypeAn open - ended Gilt fund

Investor Profile:Ideal for investors with low-moderate risk appetite, PF trusts, Financial Institutions/Banks & Corporates.

Investment Option:Investors under the Sahara Gilt Fund have the choice of Growth, Dividend Payout andDividend Reinvestment Option.

Inception Date:February 21, 2002

NAV as on June 30, 2005Dividend - Rs. 10.4836Growth - Rs. 11.4640

P o r t f o l i o a s o n 3 0 . 0 6 . 2 0 0 5

AVERAGE MATURITY TENOR : 1.16 years

Asset Allocation

Dividend History (Gilt Fund) :Record Date Rate % Of Div Cum Div NAV (Rs)

12.05.2003 44 paise per unit 4.40% 10.856712.08.2003 22 paise per unit 2.20% 10.7163

15.10.2003 17.5 paise per unit 1.75% 10.9535

Performance (%)Scheme/ NAV/Index 1 Yr 3 Yrs IncepIndex Name Value

Growth Plan 11.4640 1.42 5.51 4.15

Benchmark 3483.594 3.49 8.29 7.89

Benchmark Index:I Sec Composite Index



NAV

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Portfolio Rating % of Portfolio

GOI Securities 71.22%

11.68% CG 2006 Sov 42.75%

12% CG 2008 Sov 28.47%

T Bill Sov 16.25% 16.25%

Reverse Repo 10.48% 10.48%

Net Current Assets 2.05% 2.05%

TOTAL 100.00%



Gilt Fund - Minimum Application Amount : Rs.5000/- And Additional Investments In Multiples Of Rs.1000/-Entry Load : Nil Exit Load : Nil / Exit Load : < Rs.10 lakhs : 0.50% if redeemed before 6 months, => Rs.10 lacs and< Rs.5 crores :1.25% if redeemed before 1 year, = > Rs.5 crores: Nil


Sahara

P o r t f o l i o a s o n 3 0 . 0 6 . 2 0 0 5

AVERAGE MATURITY TENOR : 40 days

"Assets Under Management as on 30th June 05 - Rs. 476.44 crores"

To create a highly liquid portfolio of good quality debt as well as money

market instruments with a view to provide high liquidity and reasonable

returns to the Unit holders.

Scheme TypeAn open - ended liquid scheme

Investor Profile:Ideal for investors who wish to park their short term surpluses at relatively

low risk. Corporate and High Net Worth investors who have temporary

surpluses can benefit from this scheme.

Investment Option:Investors under the Sahara Liquid Fund have the choice of Growth and

Dividend Reinvestment options.

Benchmark Index:Crisil Liquid Fund Index



Growth - Rs. 12.0694

Asset Allocation

Rating Profile

Daily Dividend declaration w.e.f. February 26th, 2004


Performance (%)Scheme/ NAV/Index 7days* 14 days* 1 Mth 6 Mths 1 Yr 3 Yr IncepIndex Name Value

Growth Plan 12.0694 0.11 0.21 5.33 5.26 5.09 5.33 5.76

Benchmark 1166.224 0.08 0.17 4.52 4.63 4.35 4.63 4.84

* Return upto 14 days - absolute returns

Return from 1 month to - 1 year annualised returns and return since inception - CAGR

Benchmark Index:

Crisil Liquid Fund indexNAV

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Minimum Application amount : Rs.10000/- and additional investments in multiples ofRs.5000/-

Entry Load : NilExit Load : Nil

LIQUID FUND


BONDS/ NON CONVERTIBLE DEBENTURES 15.22%

Mahindra & Mahindra Financial Services Ltd AA+ 3.15%Industrial Development Bank of India AA+ 2.15%Indian Railway Finance Corporation Ltd AAA 1.09%GE Capital Services PTC P1+SO 1.07%Canbank Factors Ltd P1+ 1.05%Citicorp Maruti Finance Ltd AAA 1.05%Manaksia Ltd PR1+ 1.05%Redington India Ltd P1+ 1.05%SREI Infrastructure Finance Ltd PR1+ 1.05%Citi Financial Consumer Finance India Ltd AAA 0.94%HDFC Ltd AAA 0.94%Tata Motors Ltd PTC AAA(SO) 0.64%FLOATING RATE NCDs 41.03%Sundaram Finance Ltd P1+ 4.94%Rabo India Finance Ltd P1+ 4.20%Berger Paints India Ltd P1+ 4.20%Global Trade Finance Ltd P1+ 4.20%United Phosphorus Ltd PR1+ 4.20%Madras Cements Ltd P1+ 3.99%Kotak Mahindra Primus Ltd P1+ 3.78%Raymond Ltd PR1+ 2.73%Srei Infrastructure Finance Ltd PR1+ 2.10%Blue Star Ltd PR1+ 2.10%Jayshree Tea & Industries Ltd A1+ 2.09%Citi Financial Consumer Finance India Ltd AAA 1.05%ICICI Securities Ltd P1+ 1.05%Industrial Development Bank of India AA+ 0.42%COMMERCIAL PAPER/CDs 10.25%ICICI Bank Ltd P1+ 3.07%IL&FS PR1+ 2.10%Allahabad Bank Ltd PR1+ 2.07%UCO Bank Ltd P1+ 1.98%Triveni Engineering & Industries Ltd A1+ 1.03%SHORT TERM DEPOSITS 11.12%IDBI Bank Ltd FD 6.30%State Bank of Bikaner & Jaipur FD 2.52%Allahabad Bank Ltd FD 1.26%Punjab National Bank Ltd FD 1.05%Reverse Repo 21.82% 21.82%Net Current Assets 0.56% 0.56%TOTAL 100.00%


Sahara



P o r t f o l i o a s o n 3 0 . 0 6 . 2 0 0 5

AVERAGE MATURITY TENOR : 0.47 years

CRISIL AAAf Rated#

Primary objective of the scheme is to generate regular income and the

secondary objective is growth of capital through investments in debt in-

struments, money market and related securities, while at all times empha-

sizing the importance of capital preservation.

Scheme TypeAn open - ended Income fund

Investor Profile:Ideal for investors seeking reasonable returns at relatively low risk across a

medium to long term investment horizon.

Investment Option:Investors under the Sahara Income Fund have the choice of Growth,

Dividend and Dividend Reinvestment options.




# Rating indicates that the fund portfolio holdings provide very strong protection against losses from creditdefaults.

Disclaimer clause: The rating of CRISIL is not an opinion of the Asset Management Company's willingnessor ability to make timely payments to the Investors. The rating is also not an opinion on the stability of the NAVof the fund, which could vary with market developments.

Asset Allocation

Rating ProfilePerformance (%)

Scheme/ NAV/Index 1 Yr 3 Yrs IncepIndex Name Value

Growth Plan 11.8869 2.80 5.72 5.28

Benchmark 1226.877 3.19 6.36 6.48

Benchmark Index:

Crisil Composite Bond Fund Index



Dividend History:Record Date Rate % Of Div Cum Div NAV(Rs)

07.11.2002 20 paise per unit 2.00 10.4409

06.02.2003 25 paise per unit 2.50 10.5300

12.05.2003 18 paise per unit 1.80 10.4246

12.08.2003 22 paise per unit 2.20 12.5339

15.10.2003 17.5 paise per unit 1.80 10.6654

NAV

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INCOME FUND

Minimum Application amount : Rs 3000/- and in multiples of Rs 1000/- thereafterEntry Load : NilExit Load : <Rs 10 lakhs : 0.50% if redeemed within 6 months • >=Rs 10 lakhs : Nil


BONDS/ NON CONVERTIBLE DEBENTURES 32.36%Citi Financial Consumer Finance India Ltd AAA 16.18%HDFC Ltd AAA 16.18%FLOATING RATE NCDs 16.18%

Sundaram Finance Ltd P1+ 16.18%SOVEREIGN 31.39%11.68% CG 2006 Sov 22.01%12.00% CG 2008 Sov 9.39%Reverse Repo 16.83% 16.83%Net Current Assets 3.24% 3.24%TOTAL 100.00%


Sahara SHORT TERM PLAN

Minimum Application amount : Rs 5000/- and in multiples of Rs 1000/- thereafterEntry Load : NilExit Load : Nil



P o r t f o l i o a s o n 3 0 . 0 6 . 2 0 0 5

AVERAGE MATURITY TENOR : 1.22 days

Dividend History:Record Date Rate % Of Div Cum Div NAV (Rs)

01.02.2005 4 paise per unit 0.40% 10.4932

01.12.2004 3.5 paise 0.35% 10.4482

The Primary Objective of Sahara Income Fund is to generate regular income

and secondary objective is growth of capital through investment in debt

instruments, money market and related instruments, whilst at all times

emphasizing the importance of capital preservation.

(The overall objective of Sahara Short Term Plan would be in consonance

with the investment objective of Sahara Income Fund; however the specific

objective is to generate returns that would endeavour to generate returns

in line with Mibor linked short term papers with daily call/put option.)

Scheme TypeAn open - ended Short Term Plan#

Investor Profile:Ideal for investors who have a short-term investment horizon and wish to

avoid high volatility but expect superior returns than the Liquid Funds.

Investment Option:Investors under the Sahara STP have the choice of Growth, Dividend

Payout Option and Dividend Reinvestment Option.

Inception Date:September 11, 2002



#The CRISIL rating which applies for the income fund is not applicable to the Short Term Plan

Asset Allocation

Rating Profile

NAV

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FLOATING RATE NCDs 64.94%

Sundaram Finance Ltd P1+ 58.44%

Jayshree Tea & Industries Ltd A1+ 6.49%

Net Current Assets 35.06% 35.06%

TOTAL 100.00%

Performance (%)Scheme/ NAV/Index 7days 14 days 1 Mth 3 Mths 1 Yr 2 Yr IncepIndex Name Value

Growth Plan 11.7508 0.06 0.12 0.43 1.78 3.86 5.11 5.93

Benchmark 1166.224 0.08 0.17 0.38 2.32 4.35 4.63 4.84

Benchmark Index:

Crisil Liquid Fund index

Note: Absolute Returns for period less than 1 year, annualised for period 1 year or more,



Sahara

Documents

Where Net Portfolio Return( NPR) = Gross Portfolio Return ...saharamutual.com/downloads_files/facsheets/july 05 fs sahara.pdf · Where Net Portfolio Return( NPR) = Gross Portfolio