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Fact Sheet

January – 2020

InveSTAR

Trademark used under license from respective owners.

Trademark used under license from respective owners.

MONTHLY REPORT – JANUARY 2020

From the Desk of Chief Investment Officer… OVERVIEW OF MARKET Nifty fell 1.7% in line with major global markets due to escalating tension between US

and Iran and rising concerns over fast spreading corona virus. Among the sectors IT,

FMCG and Pharma outperformed while Metals, Energy and Auto underperformed the

Nifty during the month. FIIs were net buyers to the tune of about Rs 97bn, while

domestic mutual funds sold Rs 29bn of equity during the month.

IIP reported a growth of 1.8% in November compared to a degrowth of 3.8% in

October. CPI inflation rose sharply to 7.4% in December against 5.5% in November.

WPI inflation moved up to 2.6% in December as against 0.6% in November.

Bond yields rose marginally during the month of January’20. The 10 year benchmark

G-Sec (6.45% GOI 2029) closed 4 bps higher at 6.60% against 6.56% last month.

UNION BUDGET FY 2020-21

Amid slower economic growth, low level of employment and relatively stable macro,

the Budget focused on economic growth and liberalised fiscal discipline within

acceptable limits. Due weightage has been provided to agriculture, rural development,

wellness, education and other social and welfare measures. Other thrust areas are

revival of capex cycle, particularly in infrastructure, start ups and manufacturing

sectors.

Keeping in mind the needs of individuals, the government proposed an optional

simplified income tax structure without any exemptions.

FUND PERFORMANCE

For 3 years period ending January 2020, majority of Equity and Growth funds

delivered annualised returns of around 9-11%. Majority of Balanced and Bond funds

delivered about 5-8% for the said period. Fund wise performance is detailed in the

following sheets.

FIXED INCOME MARKET OUTLOOK

Inspite of uptick in headline inflation, RBI’s recent action aimed at lowering overall

interest rate in the economy through better transmission remained favourable for the

market sentiment. Moreover, fall in global fixed income yield and correction in the

equity market and crude price also supported the market. However, lower revenue

collection owing to slower economic activity was cause of concern for the market.

Market was looking towards Union Budget announcement for clarity with respect to

any additional borrowing. Though absence of incremental borrowing is favourable for

the market in the near term, medium term outlook is contingent upon crude price

movement, central bank action and FPI flows.

EQUITY MARKET OUTLOOK

The new regime on personal income tax is likely to put more cash in the hands of

certain taxpayers, thereby marginally boosting consumption. Apart from consumption, a

recovery in overall capital formation cycle would benefit from lower interest rates,

higher corporate profitability and continued government infrastructure spending.

Corporate earnings so far were largely in line with estimates and growth pick up is

contingent on implementation of reforms, transmission of cumulative interest rate cuts

and global growth scenario. In this backdrop, stocks with strong business models within

the retail banking and consumption space offer a good means to build a core portfolio.

Performance Summary as on January 31 2020

Scheme Name

SFIN

NAV BM 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

Balanced Plus Fund

ULIF 024 11/12/13 SUD-LI-BL2 142

Individual Life Income Fund

ULIF 020 11/12/13 SUD-LI-BN2 142

Group Debt Fund

ULGF 003 20/03/15 SUD-GN-BN1 142

Group Money Market Fund

ULGF 004 20/03/15 SUD-GN-MM1 142

Group Balanced Fund

ULGF 002 20/03/15 SUD-GN-BL1 142

Total AUM 2497.56

5.89%

8.15%

7.92%

7.92% 9.31% 10.35%

23 06/10/2015 11.62 13.7093 1.64% 3.30% 8.55% 10.86% 6.28% 6.93% NA NA 7.57% 8.19%

21 29/01/2014 266.45 17.0719 3.46% 4.72% 8.48% 11.29%

10.12% 11.17% 6.37%6.96% 10.84% 10.00%

6.87% 8.53% 6.49%

4.91% 4.72%

5.33% 5.74%

6.37% 7.62%

6.58% 11.00% 11.29%

20 29/01/2014 360.66 18.2427 5.78% 6.42% 9.75% 10.93% 9.10% 10.48% 6.39% 7.11% 10.52% 11.29%

19 29/01/2014 388.66 18.7205 7.01%

17

18

8.23%

7.92%

7.93%

8.23%

6.49%

7.11%

7.55%

8.23%

1

2

3

4

5

6

7

8

9

10

11

12

13

14

15

16

8.14%

8.63%

8.74%

8.71%

8.14%

8.92%

10.86%

11.29%

7.38%

20/01/2010 27.61 24.3787

20/01/2010 29.87 23.9607

20/01/2010 82.78 21.1835

Inception date AUM (Rs. Cr) NAV (Rs.)

4.72%

7.17%

6.42%

3.30%

7.17%

6.42%

4.72%

31/03/2009 6.51

7.17%

3.30%

7.17%

6.42%

5.59%

Absolute

10.15%

10.64%

1 Year

18/02/2009 10.09 26.6579

11.31%

9.36%

10.72% 13.47%

10.45% 7.05%

6.93%

9.14%

7.55%

8.23%

12.72%

7.87%

13.05%

12.17%

9.95%

9.72%

3 Year 5 Year Since Inception (A)

10.11%

13.77%6.52% 14.44%

9.29%

9.10%

6.49%

7.11%

8.88%

9.27%6.62%

11.38%

7.92%

6.49%

8.53%

12.93%

11.40%

2.72 21.6889 1.00% 7.94% 7.65% 5.77%

23.4960 5.15% 9.57%5.59% 8.59%11.15%

6.21%

3.30%

20.5717

7.40%

7.28% 7.54%

3.30%

8.68%

8.73%

6.82%

8.63%

8.74%

8.71%

29/04/2011 43.77 20.0605 2.59%

20/01/2010 12.52 22.8235 4.30%

20/01/2010 3.90

20/01/2010 219.97

1.73%

2.37% 7.79% 5.83%10.86%

6.14%

03/06/2011 234.65 17.8791 2.96% 6.99%

6 Month

11.29%

10.15%

10.93%

10.15%

10.93%

7.24% 11.02%

6.31% 11.58%

10.15%

10.93%

31.9607 6.23%

31/03/2009

7.29%8.34%3.13% 7.30%

8.32% 6.77% 8.57%

5.48% 6.93% 7.45%

7.33% 6.64% 6.29% 8.27%

11.15%

10.86%

11.29%4.72%

7.77%

7.92%

6.93% 7.24%

6.93% 7.06%

11.06%

11.38%

10.48%

11.38%

6.49%

7.11%

11.83%

7.92%

6.42%

11.17% 11.32% 6.49%

11.38%

10.48%

6.65%

6.33%

9.14%

25/02/2009 22.68 43.9141 7.35%

25/02/2009 81.83 40.0509 6.28%

24.0469 6.01%20/01/2010 282.66

7.11%

10.93% 10.48%

5.04% 4.53%

4.86% 4.53%

9.59% 6.84%

2.49% 6.83%

9.67% 6.56%

6.45% 5.86%

11.27% 10.00%

7.13%

8.53%5.26% 7.62%

9.53%

10.48%

25 17/10/2019 0.10 10.2102 NA NA NA

22 29/01/2014 103.57 15.8102 1.18% 3.28% 6.41%

24 09/08/2019 1.55 10.2493 NA NA NA

25/02/2009 5.04 22.0545 2.12% 8.97%

20/01/2010 286.97 24.3474 7.32% 10.88%

31/03/2009 7.50 37.3855

31/03/2009 3.91 25.8044 1.94% 5.84%

NA 7.43% 8.36%

4.95% 6.94% 6.44% 8.18% 7.92% 9.17%5.97% 8.60%

7.81% 8.68%

NA NA

NA NA NA NA NA NA NA 5.27%

10.63%

NA NA NA NA

6.76%

5.97%

5.65% 6.71%

6.80% 8.11%

6.93%

6.05%

10.86%

8.53%

9.53%

8.68%

CAGR (Annualised)

4.67% 7.62%

5.20% 7.62%

7.17% 8.68%

7.91% 8.68%

4.89% 5.74%

5.69% 5.74%

6.25% 5.74%

5.79% 5.74%

5.54% 6.71%

2 Year

4.40% 4.53%

4.47% 4.53%

InveSTAR

Trademark used under licence from respective owners.

142L003V01 142L004V01 142L008V01 142L028V01 142L010V01 142L018V01 142L019V01 142L020V01 142L024V01 142L025V01 142L026V01 142L021V01 142L041V01 142L042V01 142L049V01

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

Bluechip Equity Fund

ULIF 019 11/12/13 SUD-LI-EQ2 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

Growth Plus Fund

ULIF 023 11/12/13 SUD-LI-GR2 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

Balance Plus Fund

ULIF 024 11/12/13 SUD-LI-BL2 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

Income Fund

ULIF 020 11/12/13 SUD-LI-BN2 142

Group Debt Fund

ULGF 003 20/03/15 SUD-GN-BN1 142

Group Balanced Fund

ULGF 002 20/03/15 SUD-GN-BL1 142

Group Money Market Fund

ULGF 004 20/03/15 SUD-GN-MM1 142

Discontinued Life Policies Fund

ULIF 018 03/06/11 SUD-UL-DP1 142

P

23

Mapping of Funds and Products (Funds representing the underlying Products)

P P P

1

2

3

4

20

25

Product Name (UIN)

Dhan SurakshaDhan Suraksha

PremiumPrabhat Tara

13

14

15

17

18

19

6

7

8

9

11

12

P

P

P

P

P

P

New Dhruv

Tara

Dhan Suraksha

Express

Dhruv Tara

Product

New Dhan

Suraksha

New Dhan

Suraksha

Premium

Dhan Suraksha

3

Dhan

Suraksha

Premium 3

Prabhat Tara

3

New Prabhat

Tara

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

Dhan

Suraksha Plus

Wealth Builder

Plan

P P

P

P P

EQUITY FUND

5

P P

P P

10

GROWTH FUND

P

16

P

P

P

DISCONTINUED FUND

BOND FUND

P

22

GROUP UNIT LINKED FUND

21P P

BALANCED FUND

P

P

SUD Life Group

Retirement Benefit

Plan

P

P P

P

24


Summary of number of Funds managed by Fund Managers alongwith details of Equity, Balanced and Debt

Sr. No. TYPE OF FUND NAME OF FUNDS MANAGERNO. OF FUNDS MANAGED

NAME OF FUNDS AUM

1 Apex Equity Fund 286.97

2 Equity Fund 22.68

3 Individual Pension Fund - Apex Equity 27.61

4 Individual Pension Fund - Equity 7.50

5 Bluechip Equity Fund 388.66

TOTAL 733.42

6 Apex Growth Fund 282.66

7 Growth Fund 81.83

8 Individual Pension Fund - Apex Growth 29.87

9 Individual Pension Fund - Growth 6.51

10 Growth Plus Fund 360.66

11 Apex Balanced Fund 219.97

12 Balanced Fund 10.09

13 Individual Pension Fund - Apex Balanced 12.52

14 Individual Pension Fund - Balanced 3.91

15 Express Balanced Fund 43.77

16 Group Balanced Fund 0.10

17 Balanced Plus Fund 266.45

TOTAL 1,318.33

18 Apex Bond Fund 82.78

19 Bond Fund 5.04

20 Individual Pension Fund - Apex Bond 3.90

21 Individual Pension Fund - Bond 2.72

22 Individual Life Income Fund 103.57

23 Group Debt Fund 11.62

24 Group Money Market Fund 1.55

25 Discontinued Policies Fund 234.65

TOTAL 445.81

Total Funds 25 TOTAL AUM 2,497.56

EQUITY FUND

GROWTH AND

BALANCED FUND

BOND FUND

5

12

8

EQUITY - Mr. SUMIT PODDAR

EQUITY BALANCE FUND-

Mr. SUMIT PODDAR

EQUITY GROWTH FUND-

Mr. JAGDISH BHANUSHALI

DEBT - Mr. RAM KAMAL SAMANTA

/ Mr. LAKSHMAN CHETTIAR

DEBT - Mr. RAM KAMAL SAMANTA

/ Mr. LAKSHMAN CHETTIAR

InveSTAR


Investment Objective :

Date of Inception : SFIN No.

January 20, 2010 ULIF 009 20/01/10 SUD-LA-EQ1 142

Products: AUM : Rs. 286.97 Cr

NAV : 24.3474

Portfolio % to AUM

`

Equity (Top 10 Holdings or >1%) Minimum Maximum

Reliance Industries Ltd 7.53% 80% 100% 262.43 91.45%

Larsen & Toubro Limited 5.75% 0% 20% 24.53 8.55%

Infosys Ltd. 5.70%

HDFC Bank Ltd 5.63%

SBI-ETF NIFTY BANK 5.31%

ITC Ltd. 5.31%

Housing Development Finance Corporation Ltd. 4.69%

ICICI Bank Ltd 4.55%

Tata Consultancy Services Limited 3.42%

State Bank of India 2.76%

Kotak Mahindra Bank Limited 2.58%

Hindustan Unilever Limited 2.02%

Nippon India ETF Bank BeES 2.01%

Bharti Airtel Limited 1.99%

HCL Technologies Ltd 1.78%

Mahindra & Mahindra Ltd. 1.62%

Cipla Ltd. 1.39%

Hero Motocorp Ltd. 1.31%

Asian Paints Ltd. 1.27%

Axis Bank Limited 1.22%

IPCA LABORATORIES LTD. 1.05%

Tata Motors Limited 1.03%

Ambuja Cements Ltd 1.02%

SBI-ETF Nifty 50 1.02%

Others (with < 1% exposure) 19.47%

Equity 91.45%

MM & Others 8.55%

Total 100.00%

`

1 Month 3 Month 6 Month 1 Year 2 Year 3 Year 5 Year Since Inception

Apex Equity Fund -0.58% 0.48% 7.32% 10.88% 4.40% 11.40% 6.62% 9.27%

Benchmark -1.48% 0.79% 7.17% 10.15% 4.53% 11.38% 6.49% 8.63%

APEX EQUITY FUND -JANUARY 2020

Equity

MM & Others

Absolute

Name of Fund Manager:

Mr. Sumit Poddar

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 :

Nifty 50 Index - 90%

CRISIL Liquid Fund Index - 10%

AUM (Rs. In Cr)

Fund returns vis a vis BenchmarkCAGR (Annualised)

23.54%

13.37%

9.11%

6.19%

5.31%

4.39%

4.20%

4.14%

3.25%

2.78%

6.85%

Financial & Insurance Activities

Computer programming, consultancy andrelated activities

Manufacture of coke and refined petroleumproducts

Civil engineering

Manufacture of tobacco products

Manufacture of chemicals and chemicalproducts

Manufacture of motor vehicles, trailers andsemi-trailers

Manufacture of pharmaceuticals,medicinalchemical and botanical products

Infrastructure

Manufacture of Basic Metals

Others

Top 10 Industry Exposure ( % to AUM)

Equity91.45%

MM & Others8.55%

Asset Allocation (% to AUM)

9.00

10.00

11.00

12.00

13.00

14.00

15.00

16.00

17.00

18.00

19.00

20.00

21.00

22.00

23.00

24.00

25.00

Jan

-10

Jun

-10

No

v-1

0

Ap

r-1

1

Sep

-11

Feb

-12

Jul-

12

Dec

-12

May

-13

Oct

-13

Mar

-14

Au

g-1

4

Jan

-15

Jun

-15

No

v-1

5

Ap

r-1

6

Sep

-16

Feb

-17

Jul-

17

Dec

-17

May

-18

Oct

-18

Mar

-19

Au

g-1

9

Jan

-20

NA

V/U

NIT

(R

s)

NAV Performance (Since Inception)NAV Benchmark


Investment Objective:


February 25, 2009 ULIF 002 25/02/09 SUD-LI-EQ1 142

Products : AUM : Rs. 22.68 Cr

NAV : 43.9141

Portfolio % to AUM

`



Infosys Ltd. 5.64% 0% 20% 2.02 8.93%


ITC Ltd. 5.24%

Larsen & Toubro Limited 4.93%

HDFC Bank Ltd 4.73%











Cipla Ltd. 1.53%





Maruti Suzuki India Limited 1.04%

DIVI'S LABORATORIES LTD. 1.04%



Hindalco Industries Ltd. 1.00%



Equity 91.07%

MM & Others 8.93%

Total 100.00%

`


Equity Fund -0.49% 0.62% 7.35% 10.64% 4.47% 11.06% 6.52% 14.44%

Benchmark -1.48% 0.79% 7.17% 10.15% 4.53% 11.38% 6.49% 13.77%

To tap growth opportunities for long term capital appreciation through investments primarily in equity and

equity-related instruments.


Asset Mix

Particulars

Benchmark :



For Dhan Suraksha, Dhan Suraksha Premium, Prabhat

Tara.

EQUITY FUND - JANUARY 2020


Mr. Sumit Poddar

AUM (Rs. In Cr)

Fund returns vis a vis Benchmark

Equity

MM & Others

Absolute CAGR (Annualised)

22.49%

13.06%

9.14%

5.48%

5.24%

4.74%

4.62%

4.34%

3.13%

2.94%

7.09%


Computer programming, consultancy and relatedactivities


Civil engineering


Manufacture of chemicals and chemical products

Manufacture of motor vehicles, trailers and semi-trailers


Infrastructure


Others

Top 10 Industry Exposure (% to AUM)

Equity91.07%

MM & Others8.93%


14.00

16.00

18.00

20.00

22.00

24.00

26.00

28.00

30.00

32.00

34.00

36.00

38.00

40.00

42.00

44.00

Feb

-09

Jul-

09

Dec

-09

May

-10

Oct

-10

Ap

r-1

1

Sep

-11

Feb

-12

Jul-

12

Dec

-12

May

-13

Oct

-13

Mar

-14

Au

g-1

4

Jan

-15

Jun

-15

No

v-1

5

Ap

r-1

6

Sep

-16

Feb

-17

Jul-

17

Dec

-17

May

-18

Oct

-18

Mar

-19

Au

g-1

9

Jan

-20

NA

V/U

NIT

(R

s)

NAV Performance (Since Inception)

NAV Benchmark




January 20, 2010 ULIF 013 20/01/10 SUD-PA-EQ1 142


NAV : 24.3787

Portfolio % to AUM

`



Larsen & Toubro Limited 5.76% 0% 20% 2.31 8.36%

Infosys Ltd. 5.72%

HDFC Bank Ltd 5.47%

ITC Ltd. 5.32%












Cipla Ltd. 1.40%









Equity 91.64%

MM & Others 8.36%

Total 100.00%

`


Individual Pension Fund - Apex Equity -0.48% 0.56% 7.24% 11.02% 5.04% 11.83% 6.65% 9.29%

Benchmark -1.48% 0.79% 7.17% 10.15% 4.53% 11.38% 6.49% 8.63%


individual Pension FUND APEX EQUITY - JANUARY 2020

Equity

For New Dhruv Tara Products

MM & Others

Absolute


Mr. Sumit Poddar

CAGR (Annualised)

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 :



AUM (Rs. In Cr)

23.64%

13.42%

9.14%

6.20%

5.32%

4.41%

4.18%

4.13%

3.23%

2.79%

6.81%




Civil engineering





Infrastructure


Others


Equity91.64%

MM & Others8.36%


8.50

10.50

12.50

14.50

16.50

18.50

20.50

22.50

24.50

Jan

-10

May

-10

Sep

-10

Jan

-11

May

-11

Sep

-11

Jan

-12

May

-12

Sep

-12

Jan

-13

May

-13

Sep

-13

Jan

-14

May

-14

Sep

-14

Jan

-15

May

-15

Sep

-15

Jan

-16

May

-16

Sep

-16

Jan

-17

May

-17

Sep

-17

Jan

-18

May

-18

Sep

-18

Jan

-19

May

-19

Sep

-19

Jan

-20

NA

V/U

NIT

(R

s)


NAV Benchmark




March 31, 2009 ULIF 005 31/03/09 SUD-PI-EQ1 142


NAV : 37.3855

Portfolio % to AUM

`



Infosys Ltd. 5.77% 0% 20% 0.50 6.63%



ITC Ltd. 4.99%

HDFC Bank Ltd 4.93%










Cipla Ltd. 1.61%





DIVI'S LABORATORIES LTD. 1.10%

Bajaj Finance Ltd. 1.08%


Hindalco Industries Ltd. 1.06%



Escorts Ltd. 1.03%

National Aluminium Co. Ltd. 1.01%


Equity 93.37%

MM & Others 6.63%

Total 100.00%

`


Individual Pension Fund - Equity -0.46% 0.56% 7.92% 11.17% 4.86% 11.32% 6.49% 12.93%

Benchmark -1.48% 0.79% 7.17% 10.15% 4.53% 11.38% 6.49% 13.05%


Individual pension FUND EQUITY - JANUARY 2020

MM & Others

Equity

For Dhruv Tara Products

Absolute


Mr. Sumit Poddar

CAGR (Annualised)

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


Actual

Benchmark :



AUM (Rs. In Cr)

23.53%

13.18%

9.18%

5.72%

5.01%

4.99%

4.51%

4.47%

3.05%

3.04%

7.50%



Manufacture of coke and refined petroleum products

Civil engineering



Manufacture of pharmaceuticals,medicinal chemicaland botanical products


Infrastructure


Others


Equity93.37%

MM & Others6.63% Asset Allocation (% to AUM)

11.00

13.00

15.00

17.00

19.00

21.00

23.00

25.00

27.00

29.00

31.00

33.00

35.00

37.00

39.00

Ap

r-09

Au

g-0

9

Dec

-09

Ap

r-10

Au

g-1

0

Dec

-10

May

-11

Sep

-11

Jan

-12

May

-12

Sep

-12

Jan

-13

Jun

-13

Oct

-13

Feb

-14

Jun

-14

Oct

-14

Feb

-15

Jul-

15

No

v-1

5

Mar

-16

Jul-

16

No

v-1

6

Mar

-17

Au

g-1

7

Dec

-17

Ap

r-18

Au

g-1

8

Dec

-18

May

-19

Sep

-19

Jan

-20

NA

V/U

NIT

(R

s)


NAV Benchmark




January 29, 2014 ULIF 019 11/12/13 SUD-LI-EQ2 142


NAV : 18.7205

Portfolio % to AUM



Infosys Ltd. 5.51% 0% 30% 43.99 11.32%


HDFC Bank Ltd 5.27%


ITC Ltd. 5.14%











Cipla Ltd. 1.33%








Equity 88.68%

MM & Others 11.32%

Total 100.00%

`


Bluechip Equity Fund -0.62% 0.42% 7.01% 10.84% 4.91% 10.12% 6.37% 11.00%

Benchmark -1.37% 0.83% 6.96% 10.00% 4.72% 11.17% 6.58% 11.29%


Individual BLUE CHIP EQUITY - JANUARY 2020

MM & Others

Asset Mix

For Dhan Suraksha Plus & Wealth Builder Plan

The fund seeks to achieve long term capital appreciation by investing predominantly in equity and equity related

securities.

Benchmark :



Absolute


Mr. Sumit Poddar

CAGR (Annualised)


Actual

Equity

AUM (Rs. In Cr)

23.38%

13.00%

8.89%

5.88%

5.14%

4.20%

3.93%

3.76%

3.11%

2.69%

6.59%




Civil engineering





Infrastructure


Others


Equity88.68%

MM & Others11.32%


10.00

11.00

12.00

13.00

14.00

15.00

16.00

17.00

18.00

19.00

20.00

Jan

-14

Jun

-14

Oct

-14

Feb

-15

Jun

-15

Oct

-15

Mar

-16

Jul-

16

No

v-16

Mar

-17

Au

g-1

7

Dec

-17

Ap

r-1

8

Au

g-1

8

Dec

-18

May

-19

Sep

-19

Jan

-20

NA

V/U

NIT

(R

s)


NAV Benchmark




January 20, 2010 ULIF 010 20/01/10 SUD-LA-GR1 142

Products : AUM : Rs. 282.66 CrNAV : 24.0469 Equity Mr. Jagdish Bhanushali

Debt Mr. Ram Kamal Samanta / Mr. Lakshman Chettiar

Portfolio % to AUM

`


HDFC Bank Ltd 6.60% 55% 85% 191.06 67.59%




Infosys Ltd. 3.95%

ITC Ltd. 3.88%














Equity 67.59%

Debt 28.20%

Gilts & SDL 18.10%

Gilts & SDL (Top 10 Holdings)

7.63% GOI- 17-Jun-2059 6.90%

6.18% GOI 04-Nov-2024 4.00%

7.57% GOI- 17-Jun-2033 3.77%

07.32% GOI-28-Jan-2024 1.86%

7.06% GOI- 10-Oct-2046 1.02%

6.62% GOI- 28-Nov-2051 0.54%

Others 0.00%

Corporate Bonds 10.10%

Corporate Bonds (Top 10 Holdings)

HDFC LTD. 2.45%

SIKKA PORTS & TERMINALS LIMITED 1.72%

STEEL AUTHORITY OF INDIA LTD. 1.36%

POWER GRID CORPORATION OF INDIA LTD 1.16%

RELIANCE INDUSTRIES LTD 0.78%

DEWAN HOUSING FINANCE CORP. LTD. 0.72%

LARSEN & TOUBRO LTD. 0.64%

LIC HOUSING FINANCE LTD 0.61%

IL & FS LTD. 0.24%

SUNDARAM FINANCE LTD. 0.19%

Others 0.22%

MM & Others 4.21%

Total 100.00%

`


Apex Growth Fund -0.34% 0.83% 6.01% 9.72% 4.89% 9.59% 6.84% 9.14%

Benchmark -0.96% 1.02% 6.42% 10.93% 5.74% 10.48% 7.11% 8.74%


APEX GROWTH FUND - JANUARY 2020

Equity

Debt, MM & Others

Absolute


CAGR (Annualised)

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.


Asset Mix

Particulars



Benchmark :


CRISIL Composite Bond Index - 30%

AUM (Rs. In Cr)

23.25%

9.27%

7.33%

5.35%

4.92%

3.88%

3.30%

3.06%

2.90%

2.85%

7.96%




Infrastructure

Civil engineering



Housing Sector



Others


< 1 year 1-3 years 3-5 years 5-10 years > 10 years

15.17%

9.95%

24.80%

6.70%

43.39%

Debt Maturity Profile ( % of Debt)

Debt28.20%

Equity67.59%

MM & Others4.21%


AAA27.57%

AA-4.84%

Gilts64.18%

D3.40%

Debt Rating Profile (% of Debt)

Modified Duration - 5.04 yrs

9.50

11.50

13.50

15.50

17.50

19.50

21.50

23.50

25.50

Jan

-10

Jul-

10

Jan

-11

Jul-

11

Jan

-12

Jul-

12

Jan

-13

Jul-

13

Jan

-14

Jul-

14

Jan

-15

Jul-

15

Jan

-16

Jul-

16

Jan

-17

Jul-

17

Jan

-18

Jul-

18

Jan

-19

Jul-

19

Jan

-20

NA

V/U

NIT

(R

s)


NAV Benchmark




February 25, 2009 ULIF 003 25/02/09 SUD-LI-GR1 142


NAV : 40.0509 Equity Mr. Jagdish BhanushaliDebt Mr. Ram Kamal Samanta / Mr. Lakshman Chettiar

Portfolio % to AUM

`


HDFC Bank Ltd 6.16% 40% 100% 55.44 67.76%




Infosys Ltd. 3.93%

ITC Ltd. 3.85%














Equity 67.76%

Debt 27.66%

Gilts & SDL 20.92%


7.63% GOI- 17-Jun-2059 6.19%

7.57% GOI- 17-Jun-2033 5.74%

6.18% GOI 04-Nov-2024 4.54%

07.32% GOI-28-Jan-2024 2.94%

7.06% GOI- 10-Oct-2046 0.99%

6.62% GOI- 28-Nov-2051 0.52%

Others 0.00%




HDFC LTD. 2.46%





Others 0.00%

MM & Others 4.58%

Total 100.00%

`


Growth Fund -0.33% 0.82% 6.28% 10.72% 5.69% 9.67% 6.56% 13.47%

Benchmark -0.96% 1.02% 6.42% 10.93% 5.74% 10.48% 7.11% 12.72%


Equity

Debt, MM & Others





Asset Mix

Particulars

For Dhan Suraksha, Dhan Suraksha Premium, Prabhat Tara

& Dhan Suraksha Express

Benchmark :



GROWTH FUND - JANUARY 2020


AUM (Rs. In Cr)

22.56%

9.28%

7.01%

4.48%

4.45%

3.85%

2.94%

2.93%

2.93%

2.91%

7.52%





Civil engineering



Infrastructure



Others



10.66% 10.04%

27.05%

3.67%

48.58%


AAA13.05%

AA-9.11%

Gilts75.63%

D2.21%


9.0011.0013.0015.0017.0019.0021.0023.0025.0027.0029.0031.0033.0035.0037.0039.0041.0043.00

Feb

-09

Jul-

09

No

v-0

9

Ap

r-1

0

Au

g-1

0

Jan

-11

May

-11

Oct

-11

Feb

-12

Jul-

12

No

v-1

2

Ap

r-1

3

Au

g-1

3

Jan

-14

May

-14

Oct

-14

Feb

-15

Jul-

15

No

v-1

5

Ap

r-1

6

Au

g-1

6

Jan

-17

May

-17

Oct

-17

Feb

-18

Jul-

18

No

v-1

8

Ap

r-1

9

Au

g-1

9

Jan

-20

NA

V/U

NIT

(R

s)


NAV Benchmark

Debt27.66%

Equity67.76%

MM & Others4.58%


Modified Duration - 5.18 yr




January 20, 2010 ULIF 014 20/01/10 SUD-PA-GR1 142


NAV : 23.9607 Equity Mr. Jagdish Bhanushali


Portfolio % to AUM

`


HDFC Bank Ltd 6.68% 55% 85% 20.34 68.10%




ITC Ltd. 3.97%

Infosys Ltd. 3.70%














Equity 68.10%

Debt 26.50%

Gilts & SDL 13.78%


7.57% GOI- 17-Jun-2033 4.60%

7.63% GOI- 17-Jun-2059 2.59%

6.18% GOI 04-Nov-2024 2.52%

07.32% GOI-28-Jan-2024 1.52%

9.15% GOI - 14-Nov-2024 1.29%

7.06% GOI- 10-Oct-2046 0.80%

6.62% GOI- 28-Nov-2051 0.44%Others 0.00%





STEEL AUTHORITY OF INDIA LTD. 3.36%Others 0.00%

MM & Others 5.40%

Total 100.00%

`


Individual Pension Fund - Apex Growth -0.28% 0.80% 6.31% 11.58% 6.25% 10.45% 7.05% 9.10%

Benchmark -0.96% 1.02% 6.42% 10.93% 5.74% 10.48% 7.11% 8.74%


individual Pension FUND APEX Growth - JANUARY 2020

Equity


Debt, MM & Others

Absolute


CAGR (Annualised)

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


Actual

Benchmark :



AUM (Rs. In Cr)

22.29%

9.10%

7.56%

6.63%

5.32%

4.33%

4.07%

3.97%

2.94%

2.90%

8.01%



Infrastructure



Civil engineering

Housing Sector




Others


< 1 year 1-3 years 3-5 years > 10 years

28.04%

19.97% 20.15%

31.85%


Debt26.50%

Equity68.10%

MM & Others5.40%


AAA35.32% AA-

12.69%

Gilts51.99%


9.00

10.50

12.00

13.50

15.00

16.50

18.00

19.50

21.00

22.50

24.00

Jan

-10

Jun

-10

No

v-1

0

Ap

r-1

1

Sep

-11

Feb

-12

Jul-

12

Dec

-12

May

-13

Oct

-13

Mar

-14

Au

g-1

4

Jan

-15

Jun

-15

No

v-1

5

Ap

r-1

6

Sep

-16

Feb

-17

Jul-

17

Dec

-17

May

-18

Oct

-18

Mar

-19

Au

g-1

9

Jan

-20

NA

V/U

NIT

(R

s)


NAV Benchmark





March 31, 2009 ULIF 006 31/03/09 SUD-PI-GR1 142



Portfolio % to AUM

`


HDFC Bank Ltd 5.94% 40% 100% 4.29 66.01%



Infosys Ltd. 3.41%


ITC Ltd. 3.30%













Bajaj Finance Ltd. 1.01%


Equity 66.01%

Debt 29.62%

Gilts & SDL 29.62%


07.32% GOI-28-Jan-2024 10.32%

7.57% GOI- 17-Jun-2033 4.30%

6.18% GOI 04-Nov-2024 4.11%

9.19% SDL - Kerala - 28-May-2024 3.84%

7.06% GOI- 10-Oct-2046 2.46%

6.62% GOI- 28-Nov-2051 2.33%

7.63% GOI- 17-Jun-2059 2.26%

Others 0.00%



Others 0.00%

MM & Others 4.37%

Total 100.00%

`


Individual Pension Fund - Growth -0.13% 1.05% 6.23% 11.27% 5.79% 10.00% 6.33% 11.31%

Benchmark -0.96% 1.02% 6.42% 10.93% 5.74% 10.48% 7.11% 12.17%


Equity

Debt, MM & Others



Actual


AUM (Rs. In Cr)

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


Benchmark :



Individual pension FUND GROWTH - JANUARY 2020

21.83%

8.40%

6.24%

3.80%

3.36%

3.30%

3.24%

2.66%

2.39%

2.10%

5.34%




Civil engineering





Infrastructure


Others


3-5 years > 10 years

61.71%

38.29%


Gilts100.00%


10.00

12.00

14.00

16.00

18.00

20.00

22.00

24.00

26.00

28.00

30.00

32.00

34.00

36.00

Mar

-09

Jul-

09

No

v-0

9M

ar-1

0Ju

n-1

0O

ct-1

0Fe

b-1

1M

ay-1

1Se

p-1

1Ja

n-1

2M

ay-1

2A

ug-

12

Dec

-12

Ap

r-13

Jul-

13

No

v-1

3M

ar-1

4Ju

l-1

4O

ct-1

4Fe

b-1

5Ju

n-1

5Se

p-1

5Ja

n-1

6M

ay-1

6Se

p-1

6D

ec-1

6A

pr-

17

Au

g-1

7N

ov-

17

Mar

-18

Jul-

18

No

v-1

8Fe

b-1

9Ju

n-1

9O

ct-1

9Ja

n-2

0

NA

V/U

NIT

(R

s)


NAV Benchmark

Debt29.62%

Equity66.01%

MM & Others4.37%






January 29, 2014 ULIF 023 11/12/13 SUD-LI-GR2 142



Portfolio % to AUM

`


HDFC Bank Ltd 6.56% 40% 100% 239.81 66.49%


ICICI Bank Ltd 4.44% 0% 30% 15.54 4.31%

Infosys Ltd. 3.96%


ITC Ltd. 3.84%













Others (with < 1% exposure) 17.40%Equity 66.49%

Debt 29.20%

Gilts & SDL 22.21%


7.63% GOI- 17-Jun-2059 6.33%

6.18% GOI 04-Nov-2024 4.78%

6.45% GOI- 07-Oct-2029 2.74%

7.57% GOI- 17-Jun-2033 2.55%

07.32% GOI-28-Jan-2024 2.54%

7.06% GOI- 10-Oct-2046 1.32%

6.62% GOI- 28-Nov-2051 0.69%

7.35% GOI - 22-Jun-2024 0.57%

7.80% GOI - 11-Apr-2021 0.57%

9.65% SDL - Tamil Nadu - 12-Mar-2024 0.08%

Others 0.03%




HDFC LTD. 1.57%





L&T HOUSING FINANCE LIMITED 0.15%


IL & FS LTD. 0.07%


Others 0.03%

MM & Others 4.31%

Total 100.00%

`


Growth Plus Fund -0.38% 0.67% 5.78% 9.75% 5.33% 9.10% 6.39% 10.52%

Benchmark -0.96% 1.02% 6.42% 10.93% 5.74% 10.48% 7.11% 11.29%


MM & Others

Equity

Debt

Absolute




Asset Mix


Actual


AUM (Rs. In Cr)



GROWTH plus FUND - JANUARY 2020

Benchmark :

CAGR (Annualised)

23.06%

9.18%

6.42%

5.49%

4.23%

3.84%

2.82%

2.79%

2.70%

2.51%

6.90%




Infrastructure

Civil engineering





Housing Sector

Others



4.61%

13.92%

31.45%

12.70%

37.33%

Debt Maturity Profile ( % of Debt) Modified Duration - 5.28 yrs

AAA21.45%

AA+0.10%

AA-0.19%

Gilts76.05%

D2.20%


9.5010.0010.5011.0011.5012.0012.5013.0013.5014.0014.5015.0015.5016.0016.5017.0017.5018.0018.5019.0019.5020.00

Jan

-14

Ap

r-1

4

Jun

-14

Au

g-1

4

No

v-1

4

Jan

-15

Mar

-15

Jun

-15

Au

g-1

5

Oct

-15

Dec

-15

Mar

-16

May

-16

Jul-

16

Oct

-16

Dec

-16

Feb

-17

May

-17

Jul-

17

Sep

-17

No

v-1

7

Feb

-18

Ap

r-1

8

Jun

-18

Sep

-18

No

v-1

8

Jan

-19

Ap

r-1

9

Jun

-19

Au

g-1

9

Oct

-19

Jan

-20

NA

V/U

NIT

(R

s)


NAV Benchmark

Debt29.20%

Equity66.49%

MM & Others4.31%





January 20, 2010 ULIF 011 20/01/10 SUD-LA-BL1 142


NAV : 23.4960 Equity Mr. Sumit Poddar


Portfolio % to AUM

`


HDFC Bank Ltd 5.39% 35% 65% 104.66 47.58%




Infosys Ltd. 2.82%

ITC Ltd. 2.65%








Equity 47.58%

Debt 47.17%Gilts & SDL 26.00%


7.63% GOI- 17-Jun-2059 9.00%

6.18% GOI 04-Nov-2024 5.31%

7.57% GOI- 17-Jun-2033 3.84%

8.83% GOI 25 Nov 2023 1.72%

7.06% GOI- 10-Oct-2046 1.32%

07.32% GOI-28-Jan-2024 1.26%

7.62% GOI- 15-Sep-2039 0.90%

7.69% GOI- 17-Jun-2043 0.88%

6.45% GOI- 07-Oct-2029 0.67%


Others 0.60%



HDFC LTD. 5.70%




M & M FINANCIAL SERVICES LTD. 1.33%



L & T FINANCE LTD. 0.87%

MRF LTD. 0.71%


Others 1.08%

MM & Others 5.25%

Total 100.00%

`


Apex Balanced Fund 0.04% 1.03% 5.15% 9.57% 5.54% 8.59% 7.13% 8.88%

Benchmark -0.47% 1.21% 5.59% 11.15% 6.71% 9.53% 7.55% 8.71%


APEX BALANCED FUND - JANUARY 2020

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 :



Absolute


CAGR (Annualised)


Asset Mix

Particulars AUM (Rs. In Cr)

23.13%

8.91%

6.63%

6.61%

4.76%

4.10%

2.65%

2.18%

2.04%

2.04%

5.70%


Infrastructure

Housing Sector



Civil engineering





Others



11.85%

17.26%

29.85%

7.25%

33.80%


Debt47.17%

Equity47.58%

MM & Others5.25%

Asset Allocation( % to AUM)

9.00

11.00

13.00

15.00

17.00

19.00

21.00

23.00

25.00

Jan

-10

May

-10

Sep

-10

Jan

-11

May

-11

Sep

-11

Jan

-12

May

-12

Sep

-12

Jan

-13

May

-13

Sep

-13

Jan

-14

May

-14

Sep

-14

Jan

-15

May

-15

Sep

-15

Jan

-16

May

-16

Sep

-16

Jan

-17

May

-17

Sep

-17

Jan

-18

May

-18

Sep

-18

Jan

-19

May

-19

Sep

-19

Jan

-20

NA

V/U

NIT

(R

s)


NAV Benchmark


AAA39.11%

AA+2.82%AA-

0.58%

Gilts55.12%

D2.38%





February 18, 2009 ULIF 001 18/02/09 SUD-LI-BL1 142


NAV : 26.6579 Equity Mr. Sumit PoddarDebt Mr. Ram Kamal Samanta / Mr. Lakshman Chettiar

Portfolio % to AUM

`


HDFC Bank Ltd 2.65% 0% 60% 2.85 28.21%



Infosys Ltd. 1.67%

ITC Ltd. 1.58%







Debt 63.90%

Gilts & SDL 48.38%


9.19% SDL - Kerala - 28-May-2024 12.39%

7.57% GOI- 17-Jun-2033 8.49%

6.18% GOI 04-Nov-2024 8.35%

07.32% GOI-28-Jan-2024 7.07%

9.63% Maharashtra - 12-Feb-2024 5.45%

7.63% GOI- 17-Jun-2059 3.49%

7.06% GOI- 10-Oct-2046 1.88%

7.69% GOI- 17-Jun-2043 1.27%

Others 0.00%




HDFC LTD. 3.66%


STATE BANK OF INDIA 1.55%

IL & FS LTD. 1.34%


Others 0.00%

MM & Others 7.89%

Total 100.00%

`


Balanced Fund 0.20% 0.63% 2.49% 6.83% 5.26% 6.45% 5.86% 9.36%

Benchmark 0.01% 1.39% 4.72% 11.29% 7.62% 8.53% 7.92% 10.11%


BALANCED FUND - JANUARY 2020

Equity

Debt, MM & Others

Absolute


CAGR (Annualised)

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

Particulars

For Dhan Suraksha, Dhan Suraksha Premium, Prabhat

Tara.

Benchmark :



AUM (Rs. In Cr)

12.59%

5.86%

5.53%

4.06%

3.66%

2.75%

1.63%

1.58%

1.39%

1.31%

3.38%



Infrastructure


Housing Sector


Civil engineering




Others



7.79% 7.00%

59.11%

2.43%

23.68%

Debt Maturity Profile (% of Debt)

Debt63.90%

Equity28.21%

MM & Others7.89%


AAA13.07%

AA-7.79%

Gilts75.71%

D3.43%


9.5010.5011.5012.5013.5014.5015.5016.5017.5018.5019.5020.5021.5022.5023.5024.5025.5026.5027.5028.5029.50

Feb

-09

Jul-

09

No

v-0

9

Ap

r-1

0

Au

g-1

0

Jan

-11

May

-11

Oct

-11

Feb

-12

Jul-

12

No

v-12

Ap

r-1

3

Au

g-1

3

Jan

-14

May

-14

Oct

-14

Feb

-15

Jul-

15

No

v-1

5

Ap

r-1

6

Au

g-1

6

Jan

-17

May

-17

Oct

-17

Feb

-18

Jul-

18

No

v-1

8

Ap

r-1

9

Au

g-1

9

Jan

-20

NA

V/U

NIT

(R

s)






January 20, 2010 ULIF 015 20/01/10 SUD-PA-BL1 142



Portfolio % to AUM


HDFC Bank Ltd 5.56% 35% 65% 6.14 49.00%




Infosys Ltd. 2.92%

ITC Ltd. 2.74%









Debt 43.16%

Gilts & SDL 25.50%


7.57% GOI- 17-Jun-2033 8.61%

6.18% GOI 04-Nov-2024 6.96%

7.63% GOI- 17-Jun-2059 5.22%

07.32% GOI-28-Jan-2024 4.29%

7.06% GOI- 10-Oct-2046 0.24%

7.69% GOI- 17-Jun-2043 0.17%

Others 0.00%




HDFC LTD. 4.01%




DEWAN HOUSING FINANCE CORP. LTD. 0.69%Others 0.00%

MM & Others 7.85%

Total 100.00%

`


Individual Pension Fund - Apex Balanced 0.01% 0.96% 4.30% 8.73% 5.65% 8.32% 6.77% 8.57%

Benchmark -0.47% 1.21% 5.59% 11.15% 6.71% 9.53% 7.55% 8.71%


individual Pension FUND APEX balanced - JANUARY 2020

Equity


Debt, MM & Others

Absolute


CAGR (Annualised)

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


Actual

Benchmark :



AUM (Rs. In Cr)

21.67%

9.74%

6.84%

5.56%

5.43%

3.18%

2.74%

2.24%

2.10%

2.08%

5.07%


Housing Sector




Civil engineering





Others


< 1 year 3-5 years > 10 years

37.31%

29.69%33.00%


AAA30.04%

AA-9.29%

Gilts59.07%

D 1.60% Debt Rating Profile (% of Debt)

9.50

11.50

13.50

15.50

17.50

19.50

21.50

23.50

Jan

-10

May

-10

Sep

-10

Jan

-11

May

-11

Sep

-11

Jan

-12

May

-12

Sep

-12

Jan

-13

May

-13

Sep

-13

Jan

-14

May

-14

Sep

-14

Jan

-15

May

-15

Sep

-15

Jan

-16

May

-16

Sep

-16

Jan

-17

May

-17

Sep

-17

Jan

-18

May

-18

Sep

-18

Jan

-19

May

-19

Sep

-19

Jan

-20

NA

V/U

NIT

(R

s)


NAV Benchmark

Debt43.16%

Equity49.00%

MM & Others7.85%






March 31, 2009 ULIF 007 31/03/09 SUD-PI-BL1 142



Portfolio % to AUM

`


HDFC Bank Ltd 2.73% 0% 60% 1.12 28.60%



Infosys Ltd. 1.71%

ITC Ltd. 1.62%







Equity 28.60%

Debt 66.21%

Gilts & SDL 63.36%


08.57% Gujarat 06-November-2028 23.62%

7.57% GOI- 17-Jun-2033 15.27%

07.32% GOI-28-Jan-2024 12.69%

6.18% GOI 04-Nov-2024 7.10%

9.63% Maharashtra - 12-Feb-2024 3.37%

7.06% GOI- 10-Oct-2046 0.77%

7.69% GOI- 17-Jun-2043 0.55%Others 0.00%




IL & FS LTD. 1.38%

Others 0.00%

MM & Others 5.19%

Total 100.00%

`


Individual Pension Fund - Balanced 0.08% 0.43% 1.94% 5.84% 4.67% 6.21% 5.97% 9.14%

Benchmark 0.01% 1.39% 4.72% 11.29% 7.62% 8.53% 7.92% 9.95%


individual pension FUND BALANCED - JANUARY 2020

Equity


Debt, MM & Others

Absolute


CAGR (Annualised)

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


Actual

Benchmark :



AUM (Rs. In Cr)

12.06%

4.04%

2.81%

2.50%

1.62%

1.49%

1.42%

1.38%

1.16%

0.91%

2.07%




Infrastructure


Civil engineering





Others


1-3 years 3-5 years 5-10 years > 10 years

2.09%

37.20% 35.67%

25.04%


Gilts95.69%

D 4.31%Debt Rating Profile (% of Debt)

10.0011.0012.0013.0014.0015.0016.0017.0018.0019.0020.0021.0022.0023.0024.0025.0026.0027.0028.0029.0030.00

Mar

-09

Au

g-0

9

Jan

-10

May

-10

Oct

-10

Mar

-11

Jul-

11

De

c-1

1

May

-12

Sep

-12

Feb

-13

Jun

-13

No

v-1

3

Ap

r-1

4

Au

g-1

4

Jan

-15

Jun

-15

Oct

-15

Mar

-16

Jul-

16

De

c-1

6

May

-17

Sep

-17

Feb

-18

Jul-

18

No

v-1

8

Ap

r-1

9

Sep

-19

Jan

-20

NA

V/U

NIT

(R

s)


NAV Benchmark

Debt66.21%

Equity28.60%

MM & Others5.19%




Date of Inception : SFIN No. Benchmark :

April 29, 2011 ULIF 017 29/04/11 SUD-LX-BL1 142 Nifty 50 Index - 30%



For Dhan Suraksha Express NAV : 20.0605 Equity Mr. Sumit Poddar


Portfolio % to AUM

`


HDFC Bank Ltd 3.17% 0% 60% 12.31 28.13%



Infosys Ltd. 1.67%


ITC Ltd. 1.58%






Equity 28.13%

Debt 67.13%

Gilts & SDL 46.54%


7.57% GOI- 17-Jun-2033 14.60%

07.32% GOI-28-Jan-2024 12.92%

6.18% GOI 04-Nov-2024 7.83%

7.63% GOI- 17-Jun-2059 4.35%

9.15% GOI - 14-Nov-2024 3.16%

9.63% Maharashtra - 12-Feb-2024 1.26%

7.06% GOI- 10-Oct-2046 0.96%

7.69% GOI- 17-Jun-2043 0.63%


7.62% GOI- 15-Sep-2039 0.27%

Others 0.07%




HDFC LTD. 5.83%


MRF LTD. 1.19%




IL & FS LTD. 0.49%


Others 0.00%

MM & Others 4.74%

Total 100.00%


Express Balanced Fund 0.20% 0.64% 2.59% 7.33% 5.20% 6.64% 6.29% 8.27%

Benchmark 0.01% 1.39% 4.72% 11.29% 7.62% 8.53% 7.92% 8.92%


Express BALANCED FUND - JANUARY 2020

Equity

Debt, MM & Others

Absolute


CAGR (Annualised)

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


ActualAUM (Rs. In Cr)

11.40%

11.02%

6.54%

3.92%

2.72%

2.72%

1.97%

1.58%

1.28%

1.20%

4.36%

Infrastructure


Housing Sector


Civil engineering






Others



9.96%

15.41%

40.53%

2.99%

31.11%


AAA27.73%

AA-1.71%

Gilts69.34%

D1.23%


9.50

11.50

13.50

15.50

17.50

19.50

21.50

Ap

r-1

1

Sep

-11

Jan

-12

Jun

-12

No

v-1

2

Mar

-13

Au

g-1

3

Dec

-13

May

-14

Sep

-14

Feb

-15

Jun

-15

No

v-1

5

Mar

-16

Au

g-1

6

Dec

-16

May

-17

Sep

-17

Feb

-18

Jul-

18

No

v-1

8

Ap

r-1

9

Au

g-1

9

Jan

-20

NA

V/U

NIT

(R

s)


NAV Benchmark

Debt67.13%

Equity28.13%

MM & Others4.74%






January 29, 2014 ULIF 024 11/12/13 SUD-LI-BL2 142 Nifty 50 Index - 30%



For Dhan Suraksha Plus & Wealth Builder Plan NAV : 17.0719 Equity Mr. Sumit Poddar


Portfolio % to AUM

`


HDFC Bank Ltd 3.24% 0% 60% 74.41 27.92%

ICICI Bank Ltd 2.41% 40% 100% 177.53 66.63%



Infosys Ltd. 1.68%

ITC Ltd. 1.58%






Equity 27.92%

Debt 66.63%

Gilts & SDL 38.85%


6.18% GOI 04-Nov-2024 7.70%

7.62% GOI- 15-Sep-2039 7.39%

7.63% GOI- 17-Jun-2059 6.67%

7.57% GOI- 17-Jun-2033 6.37%

07.32% GOI-28-Jan-2024 4.11%

7.06% GOI- 10-Oct-2046 1.66%

7.69% GOI- 17-Jun-2043 1.10%

6.45% GOI- 07-Oct-2029 0.92%

7.35% GOI - 22-Jun-2024 0.78%


Others 1.53%



HDFC LTD. 6.95%





BAJAJ FINANCE LTD. 1.60%



MRF LTD. 0.94%


Others 2.71%

MM & Others 5.45%

Total 100.00%

`


Balanced Plus Fund 0.20% 1.05% 3.46% 8.48% 6.37% 6.87% 6.49% 9.31%

Benchmark 0.01% 1.39% 4.72% 11.29% 7.62% 8.53% 7.92% 10.35%


BALANCEd PLUS FUND - JANUARY 2020

MM & Others

Equity

Debt

Absolute


CAGR (Annualised)

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


ActualAUM (Rs. In Cr)

17.63%

12.28%

3.93%

3.55%

3.46%

3.44%

3.22%

1.58%

1.28%

1.21%

4.11%


Housing Sector


Infrastructure

Civil engineering






Others



14.86% 13.95%

31.98%

4.30%

34.91%


AAA33.49%

AA+3.17%

AA-3.93%

Gilts58.31%

D1.09%


9.90

10.40

10.90

11.40

11.90

12.40

12.90

13.40

13.90

14.40

14.90

15.40

15.90

16.40

16.90

17.40

17.90

18.40

18.90

Jan

-14

Jun

-14

Oct

-14

Mar

-15

Jul-

15

Dec

-15

Ap

r-1

6

Sep

-16

Jan

-17

Jun

-17

Oct

-17

Mar

-18

Jul-

18

Dec

-18

Ap

r-1

9

Au

g-1

9

Jan

-20

NA

V/U

NIT

(R

s)


NAV Benchmark

Debt66.63%

Equity27.92%

MM & Others5.45%






January 20, 2010 ULIF 012 20/01/10 SUD-LA-BN1 142


NAV :21.1835

Portfolio % to AUM

`

Debt 93.32% Minimum Maximum

Gilts & SDL (Top 10 Holdings or >1%) 80% 100% 77.25 93.32%

7.63% GOI- 17-Jun-2059 26.04% 0% 20% 5.53 6.68%

7.62% GOI- 15-Sep-2039 6.63%

6.45% GOI- 07-Oct-2029 3.58%

7.06% GOI- 10-Oct-2046 3.17%

6.18% GOI 04-Nov-2024 2.57%

7.57% GOI- 17-Jun-2033 1.52%

9.15% GOI - 14-Nov-2024 0.27%


Gilts & SDL 43.79%


Corporate Bonds (Top 10 Holdings or >1%)

HDFC LTD. 8.67%











MM & Others 6.68%

Total 100.00%

`


Apex Bond Fund 0.81% 1.49% 2.37% 7.79% 7.17% 5.83% 7.24% 7.77%

Benchmark 0.71% 1.62% 3.30% 10.86% 8.68% 6.93% 8.23% 8.14%


APEX BOND FUND - JANUARY 2020

DEBT

MM & Others

Particulars

Absolute


Mr. Ram Kamal Samanta / Mr. Lakshman Chettiar

CAGR (Annualised)

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



Premium 3 & Prabhat Tara 3.

Benchmark :



AUM (Rs. In Cr)

23.98%

17.48%

7.94%

0.12%

0.00%

Housing Sector


Infrastructure


Others



14.81%

11.86%

20.27%

13.02%

40.04%


Debt93.32%

MM & Others6.68%


AAA42.23%

AA+9.09%

AA-0.13%

Gilts46.93%

D1.62% Debt Rating Profile (% of Debt)

9.50

10.50

11.50

12.50

13.50

14.50

15.50

16.50

17.50

18.50

19.50

20.50

21.50

22.50

Jan

-10

May

-10

Sep

-10

Jan

-11

May

-11

Sep

-11

Dec

-11

Ap

r-1

2

Au

g-1

2

Dec

-12

Ap

r-1

3

Au

g-1

3

Dec

-13

Ap

r-1

4

Jul-

14

No

v-1

4

Mar

-15

Jul-

15

No

v-1

5

Mar

-16

Jul-

16

No

v-1

6

Feb

-17

Jun

-17

Oct

-17

Feb

-18

Jun

-18

Oct

-18

Feb

-19

Jun

-19

Sep

-19

Jan

-20

NA

V/U

NIT

(R

s)


NAV Benchmark




February 25, 2009 ULIF 004 25/02/09 SUD-LI-BN1 142 CRISIL Composite Bond Index - 90%



NAV : 22.0545

Portfolio % to AUM

`



7.57% GOI- 17-Jun-2033 18.38% 0% 20% 0.40 7.89%

07.32% GOI-28-Jan-2024 16.83%

6.18% GOI 04-Nov-2024 7.08%

9.19% SDL - Kerala - 28-May-2024 3.45%

7.63% GOI- 17-Jun-2059 2.32%

7.06% GOI- 10-Oct-2046 2.18%

7.62% GOI- 15-Sep-2039 0.42%


Gilts & SDL 50.67%





HDFC LTD. 6.47%






MM & Others 7.89%

Total 100.00%

`


Bond Fund 0.56% 1.01% 2.12% 8.97% 7.91% 6.14% 7.28% 7.54%

Benchmark 0.71% 1.62% 3.30% 10.86% 8.68% 6.93% 8.23% 7.87%


BOND FUND - JANUARY 2020

Debt

MM & Others

Absolute



CAGR (Annualised)

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

Particulars

For Dhan Suraksha, Dhan Suraksha Premium, Prabhat Tara.

AUM (Rs. In Cr)

14.70%

8.46%

8.01%

6.27%

4.00%

0.00%

Housing Sector


Civil engineering

Infrastructure


Others


< 1 year 1-3 years 3-5 years > 10 years

21.81%

6.81%

46.08%

25.30%


Debt92.11%

MM & Others7.89%


AAA37.99%

AA+7.00%

Gilts55.01%


9.50

11.50

13.50

15.50

17.50

19.50

21.50

23.50

Feb

-09

Jul-

09

No

v-0

9

Ap

r-1

0

Au

g-1

0

Jan

-11

May

-11

Oct

-11

Feb

-12

Jul-

12

No

v-1

2

Ap

r-1

3

Au

g-1

3

Jan

-14

May

-14

Oct

-14

Feb

-15

Jul-

15

No

v-1

5

Ap

r-1

6

Au

g-1

6

Jan

-17

May

-17

Oct

-17

Feb

-18

Jul-

18

No

v-1

8

Ap

r-1

9

Au

g-1

9

Jan

-20

NA

V/U

NIT

(R

s)






March 31, 2009 ULIF 008 31/03/09 SUD-PI-BN1 142


NAV : 21.6889

Portfolio % to AUM

`



7.57% GOI- 17-Jun-2033 23.48% 0% 20% 0.18 6.51%

07.32% GOI-28-Jan-2024 17.47%

9.19% SDL - Kerala - 28-May-2024 14.38%

7.63% GOI- 17-Jun-2059 13.00%

6.18% GOI 04-Nov-2024 10.92%

7.06% GOI- 10-Oct-2046 3.30%

7.62% GOI- 15-Sep-2039 1.55%


Gilts & SDL 84.10%



HDFC LTD. 5.67%



MM & Others 6.51%

Total 100.00%

`


Individual Pension Fund - Bond 0.50% 1.03% 1.00% 7.94% 7.65% 5.77% 7.06% 7.40%

Benchmark 0.71% 1.62% 3.30% 10.86% 8.68% 6.93% 8.23% 7.92%


individual Pension FUND BOND - JANUARY 2020

Debt


MM & Others

Absolute



CAGR (Annualised)



Asset Mix


Actual

Benchmark :



AUM (Rs. In Cr)

5.67%

3.72%

0.00%

Housing Sector


Others


< 1 year 3-5 years > 10 years

7.96%

47.82%44.21%


Debt93.49%

MM & Others6.51%


AAA10.04%

Gilts89.96%


9.70

11.70

13.70

15.70

17.70

19.70

21.70

23.70

Mar

-09

Sep

-09

Mar

-10

Au

g-1

0

Feb

-11

Au

g-1

1

Jan

-12

Jul-

12

Dec

-12

Jun

-13

Dec

-13

May

-14

No

v-1

4

May

-15

Oct

-15

Ap

r-1

6

Sep

-16

Mar

-17

Sep

-17

Feb

-18

Au

g-1

8

Jan

-19

Jul-

19

Jan

-20

NA

V/U

NIT

(R

s)


NAV Benchmark





January 20, 2010 ULIF 016 20/01/10 SUD-PA-BN1 142


For New Dhruv Tara Products NAV : 20.5717

Portfolio % to AUM

`



9.15% GOI - 14-Nov-2024 14.18% 0% 20% 0.19 4.82%

7.57% GOI- 17-Jun-2033 13.10%

8.34% SDL - Maharashtra - 03-Feb-2020 12.48%

07.32% GOI-28-Jan-2024 10.88%

8.84% SDL - Tamil Nadu - 18-Jul-2022 5.41%

6.18% GOI 04-Nov-2024 4.07%

7.63% GOI- 17-Jun-2059 3.64%

9.19% SDL - Kerala - 28-May-2024 3.63%

7.06% GOI- 10-Oct-2046 2.56%

7.62% GOI- 15-Sep-2039 1.63%


Gilts & SDL 71.58%






HDFC LTD. 2.71%



DEWAN HOUSING FINANCE CORP. LTD. 1.03%Others (with < 1% exposure) 0.00%

MM & Others 4.82%

Total 100.00%

`


Individual Pension Fund - Apex Bond 0.50% 0.96% 1.73% 7.38% 6.82% 5.48% 6.93% 7.45%

Benchmark 0.71% 1.62% 3.30% 10.86% 8.68% 6.93% 8.23% 8.14%


individual Pension FUND APEX bond - JANUARY 2020

DEBT

MM & Others

Absolute



CAGR (Annualised)

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


Actual

Benchmark :



AUM (Rs. In Cr)

9.16%

8.23%

3.63%

2.58%

0.00%

Housing Sector

Infrastructure


Civil engineering

Others



25.33%

11.37%

37.26%

4.04%

22.00%


Debt95.18%

MM & Others4.82%


AAA23.71%

Gilts75.21%

D1.08%


9.50

11.50

13.50

15.50

17.50

19.50

21.50

23.50

Jan

-10

May

-10

Sep

-10

Jan

-11

May

-11

Sep

-11

Jan

-12

May

-12

Sep

-12

Jan

-13

May

-13

Sep

-13

Jan

-14

May

-14

Sep

-14

Jan

-15

May

-15

Sep

-15

Jan

-16

May

-16

Sep

-16

Jan

-17

May

-17

Sep

-17

Jan

-18

May

-18

Sep

-18

Jan

-19

May

-19

Sep

-19

Jan

-20

NA

V/U

NIT

(R

s)


NAV Benchmark





January 29, 2014 ULIF 020 11/12/13 SUD-LI-BN2 142


NAV : 15.8102

Portfolio % to AUM

`



7.57% GOI- 17-Jun-2033 12.36% 0% 30% 7.84 7.57%

7.63% GOI- 17-Jun-2059 11.99%

07.32% GOI-28-Jan-2024 9.06%

7.06% GOI- 10-Oct-2046 4.41%

6.18% GOI 04-Nov-2024 4.20%

7.62% GOI- 15-Sep-2039 3.22%

6.45% GOI- 07-Oct-2029 1.91%

9.19% SDL - Kerala - 28-May-2024 0.39%

9.63% Maharashtra - 12-Feb-2024 0.21%


Gilts & SDL 47.74%



HDFC LTD. 6.91%











MM & Others 7.57%

Total 100.00%


Individual Life Income Fund 0.63% 1.16% 1.18% 6.41% 5.97% 4.95% 6.44% 7.92%

Benchmark 0.70% 1.61% 3.28% 10.63% 8.60% 6.94% 8.18% 9.17%



MM & Others


Asset Mix


Actual

Debt

Absolute



AUM (Rs. In Cr)

CAGR (Annualised)



Benchmark :


individual LIFE INCOME FUND - JANUARY 2020

Debt92.43%

MM & Others7.57%


AAA44.81%

AA+0.23%

AA-2.26%

Gilts51.65%

D1.05%Debt Rating Profile (% of Debt)


16.09%

10.71%

29.50%

9.11%

34.59%


9.50

10.00

10.50

11.00

11.50

12.00

12.50

13.00

13.50

14.00

14.50

15.00

15.50

16.00

16.50

17.00

17.50

18.00

Jan

-14

May

-14

Sep

-14

Dec

-14

Ap

r-1

5

Jul-

15

No

v-1

5

Mar

-16

Jun

-16

Oct

-16

Jan

-17

May

-17

Au

g-1

7

Dec

-17

Ap

r-1

8

Jul-

18

No

v-1

8

Feb

-19

Jun

-19

Oct

-19

Jan

-20

NA

V/U

NIT

(R

s)


NAV Benchmark


18.71%

10.12%

9.49%

2.52%

2.09%

1.55%

0.20%

0.00%

Housing Sector

Infrastructure


Civil engineering



Manufacture of rubber and plastics products

Others





October 6, 2015 ULGF 003 20/03/15 SUD-GN-BN1 142


NAV : 13.7093

Portfolio % to AUM

`



7.57% GOI- 17-Jun-2033 15.77% 0% 30% 0.57 4.88%

07.32% GOI-28-Jan-2024 12.81% 0% 15% 0.00 0.00%

6.18% GOI 04-Nov-2024 9.21% 0% 15% 0.00 0.00%

6.45% GOI- 07-Oct-2029 8.52%

7.62% GOI- 15-Sep-2039 7.91%

8.20% Gujarat 24 Jun 2025 5.45%

7.63% GOI- 17-Jun-2059 5.35%

7.06% GOI- 10-Oct-2046 5.33%

9.63% Maharashtra - 12-Feb-2024 0.76%


Gilts & SDL 71.10%





MRF LTD. 4.50%


HDFC LTD. 2.80%



MM & Others 4.88%

Mutual Fund 0.00%

Fixed Deposit with Banks 0.00%

Total 100.00%


Group Debt Fund 0.56% 1.17% 1.64% 8.55% 7.81% 6.28% NA 7.57%

Benchmark 0.71% 1.62% 3.30% 10.86% 8.68% 6.93% NA 8.19%


Fixed Deposits with Banks


MM & Others

Mutual Funds

GROUP DEBT FUND - JANUARY 2020

For SUD Life Group Retirement Benefit Plan

Asset Mix


Actual



To generate stable returns over medium to long term with full exposure in debt market instruments by judicious

mix of Government Securities and high quality corporate debt and also in money market instruments.

Benchmark :


Debt


AUM (Rs. In Cr)

Debt95.12%

MM & Others4.88%


AAA25.25%

Gilts74.75%



12.83%

9.48%

26.89%

14.68%

36.12%


10.00

10.50

11.00

11.50

12.00

12.50

13.00

13.50

14.00

14.50

15.00

Oct

-15

No

v-1

5

Jan

-16

Mar

-16

Ap

r-1

6Ju

n-1

6

Jul-

16

Sep

-16

No

v-1

6

Dec

-16

Feb

-17

Mar

-17

May

-17

Jul-

17

Au

g-1

7

Oct

-17

No

v-1

7

Jan

-18

Mar

-18

Ap

r-1

8

Jun

-18

Jul-

18

Sep

-18

No

v-1

8

Dec

-18

Feb

-19

Ap

r-1

9

May

-19

Jul-

19

Au

g-1

9

Oct

-19

Dec

-19

Jan

-20

NA

V/U

NIT

(R

s)


NAV Benchmark


12.58%

4.50%

4.33%

2.61%

0.00%

Housing Sector

Manufacture of rubber and plastics products



Others





August 9, 2019 ULGF 004 20/03/15 SUD-GN-MM1 142


NAV : 10.2493

Portfolio % to AUM

`

MM & Others 100.00% Minimum Maximum

MM & Others (Top 10 Holdings or >1%) 70% 100% 1.55 100.00%

364 day T-Bill – 14 Aug 2020 97.24% 0% 15% 0.00 0.00%

Tri Party Repo 2.70% 0% 15% 0.00 0.00%

Net Current Asset 0.06%


MM & Others 100.00%

Mutual Fund 0.00%

Fixed Deposit with Banks 0.00%

Total 100.00%


Group Money Market Fund 0.44% 1.32% NA NA NA NA NA 5.27%

Benchmark 0.47% 1.40% NA NA NA NA NA 5.89%

GROUP MONEY MARKET FUND - JANUARY 2020

To manage the funds with safety of capital and to generate money market related returns with minimum credit

and interest rate risks.

Benchmark :



For SUD Life Group Retirement Benefit PlanMr. Ram Kamal Samanta / Mr. Lakshman Chettiar

Asset Mix


AUM (Rs. In Cr) Actual

MM & Others

Mutual Funds

Fixed Deposits with Banks

Fund returns vis a vis BenchmarkCAGR (Annualised)Absolute

10.00

10.05

10.10

10.15

10.20

10.25

10.30

09

-Au

g-1

9

14

-Au

g-1

9

19

-Au

g-1

9

24

-Au

g-1

9

29

-Au

g-1

9

03

-Sep

-19

08

-Sep

-19

13

-Sep

-19

18

-Sep

-19

23

-Sep

-19

28

-Sep

-19

03

-Oct

-19

08

-Oct

-19

13

-Oct

-19

18

-Oct

-19

23

-Oct

-19

28

-Oct

-19

02

-No

v-1

9

07

-No

v-1

9

12

-No

v-1

9

17

-No

v-1

9

22

-No

v-1

9

27

-No

v-1

9

02-

Dec

-19

07-

Dec

-19

12-

Dec

-19

17-

Dec

-19

22-

Dec

-19

27-

Dec

-19

01

-Jan

-20

06

-Jan

-20

11

-Jan

-20

16

-Jan

-20

21-

Jan

-20

26

-Jan

-20

31

-Jan

-20

NA

V/U

NIT

(R

s)


NAV Benchmark

MM & Others100.00%





October 17, 2019 ULGF 002 20/03/15 SUD-GN-BL1 142



Portfolio % to AUM

`



ICICI Bank Ltd 3.54% 50% 90% 0.07 66.63%

Infosys Ltd. 3.00% 0% 30% 0.01 10.42%




HDFC Bank Ltd 1.82%



ITC Ltd. 0.79%


Equity 22.95%

Debt 66.63%

Gilts & SDL 66.63%


6.45% GOI- 07-Oct-2029 24.53%

7.57% GOI- 17-Jun-2033 20.77%

7.63% GOI- 17-Jun-2059 18.07%

9.63% Maharashtra - 12-Feb-2024 3.27%

Others 0.00%



Others 0.00%

MM & Others 10.42%

Total 100.00%

`


Group Balanced Fund 0.15% 1.21% NA NA NA NA NA 7.43%

Benchmark 0.35% 1.50% NA NA NA NA NA 8.36%

Equity

Debt

Fund returns vis a vis BenchmarkAbsolute CAGR (Annualised)

MM & Others


For SUD Life Group Retirement Benefit Plan

Asset Mix


AUM (Rs. In Cr) Actual

CRISIL Composite Bond Index - 75% & CRISIL Liquid Index 10%

Group BALANCED FUND - JANUARY 2020

To generate capital appreciation with attractive returns, over medium to long term, with moderate exposure

to Equity and judicious mix of Government securities and high quality corporate debt.

Benchmark :


8.82%

5.06%

3.64%

2.02%

1.36%

0.79%

0.74%

0.52%





Civil engineering



Others


3-5 years 5-10 years > 10 years

4.91%

36.81%

58.28%

Debt Maturity Profile (% of Debt)

Debt, 66.63%

Equity, 22.95%

MM & Others, 10.42%


Gilts100.00%


10.00

10.05

10.10

10.15

10.20

10.25

10.30

17

-Oct

-19

19

-Oct

-19

21

-Oct

-19

23

-Oct

-19

25

-Oct

-19

27

-Oct

-19

29

-Oct

-19

31

-Oct

-19

02

-No

v-1

90

4-N

ov-

19

06

-No

v-1

90

8-N

ov-

19

10

-No

v-1

91

2-N

ov-

19

14

-No

v-1

91

6-N

ov-

19

18

-No

v-1

92

0-N

ov-

19

22

-No

v-1

92

4-N

ov-

19

26

-No

v-1

92

8-N

ov-

19

30

-No

v-1

90

2-D

ec-1

90

4-D

ec-1

90

6-D

ec-1

90

8-D

ec-1

91

0-D

ec-1

91

2-D

ec-1

91

4-D

ec-1

91

6-D

ec-1

91

8-D

ec-1

92

0-D

ec-1

92

2-D

ec-1

92

4-D

ec-1

92

6-D

ec-1

92

8-D

ec-1

93

0-D

ec-1

90

1-J

an-2

00

3-J

an-2

00

5-J

an-2

00

7-J

an-2

00

9-J

an-2

01

1-J

an-2

01

3-J

an-2

01

5-J

an-2

01

7-J

an-2

01

9-J

an-2

02

1-J

an-2

02

3-J

an-2

02

5-J

an-2

02

7-J

an-2

02

9-J

an-2

03

1-J

an-2

0

NA

V/U

NIT

(R

s)


NAV Benchmark





June 03, 2011 ULIF 018 03/06/11 SUD-UL-DP1 142


Dhan Suraksha Express, Dhan Suraksha 3, Dhan

Suraksha Premium 3 & Prabhat Tara 3,Dhan Suraksha

Plus & Wealth Builder Plan

NAV :17.8791

Portfolio % to AUM

Debt & MM 100.00% Minimum Maximum


091 day T-Bill – 06 Feb 2020 21.29% 0% 40% 18.12 7.72%

364 day T-Bill – 26 Mar 2020 21.15%

364 day T-Bill – 07 Jan 2021 10.16%

7.80% GOI - 11-Apr-2021 8.30%

8.90% SDL - Tamil Nadu - 20-Sep-2022 4.51%

8.83% GOI 25 Nov 2023 4.38%

364 day T-Bill – 17 Dec 2020 4.08%

9.63% Maharashtra - 12-Feb-2024 3.75%


7.00% GOI- 21-Jan-2021 2.16%

7.80% GOI - 03-May-2020 1.97%

8.32% SDL - Gujarat - 04-Aug-2020 1.83%

8.84% SDL - Tamil Nadu - 18-Jul-2022 1.71%Others (with < 1% exposure) 4.76%

Gilts & SDL 92.28%

MM & Others 7.72%


Discontinued Policies Fund 0.47% 1.32% 2.96% 6.99% 6.80% 6.05% 6.76% 7.29%

Benchmark 0.71% 1.27% 3.13% 8.34% 8.11% 7.30% 7.93% 8.15%

Note: * Crisil Liquid Index 100% upto May 2013

CRISIL Short Term Gilt Index 65% & CRISIL Liquid Index 35% from June 13 onwards

AUM (Rs. In Cr)


Discontinued Policies FUND - JANUARY 2020


Government Securties

MM & Others

To ensure safety and liquidity of funds and to generate the returns over and above defined regulatory

minimum rate of return of 4% per annum.

Asset Mix

CRISIL Short Term Gilt Index 65% & CRISIL Liquid Index 35% *


Actual



Govt. Securties92.28%

MM & Others7.72%


9.8010.1010.4010.7011.0011.3011.6011.9012.2012.5012.8013.1013.4013.7014.0014.3014.6014.9015.2015.5015.8016.1016.4016.7017.0017.3017.6017.9018.2018.5018.8019.1019.4019.7020.00

No

v-1

1

Ap

r-1

2

Sep

-12

Mar

-13

Au

g-1

3

Feb

-14

Jul-

14

Jan

-15

Jun

-15

Dec

-15

May

-16

Oct

-16

Ap

r-1

7

Sep

-17

Mar

-18

Au

g-1

8

Feb

-19

Jul-

19

Jan

-20

NA

V/U

NIT

(R

s)

NAV Performance (Since Nov 01, 2011)

NAV Benchmark

< 1 year 1-3 years 3-5 years 5-10 years

68.12%

16.94%

13.89%

1.06%





Risk Factors

• This document has been prepared for providing general information only.

• Unit Linked Life Insurance products are different from traditional insurance products and

are subject to various risk factors.

• 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.

• Customers should take into account their personal investment objectives, risk appetite

and other aspects of their financial situation before making an investment decision.

• Customers are advised to note that the details are based on past performance and are

not indicative of its future prospects or returns.

• SUD Life shall not be responsible for any losses caused or any claims that arise due to

investments made based on this document.

• 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.

NIFTY 50 INDEX

“The Individual Life, Pension Life, Individual Apex Life Pension Apex Life funds, Blue Chip Equity Fund, Growth Plus Fund, Balanced Plus Fund and Individual Life Express Balanced Fund related to Equity, Growth and Balanced schemes, offered by SUD Life Insurance Co. Ltd are not sponsored, endorsed, sold or promoted by India Index Services & Products Limited ("IISL").

Neither IISL nor NIFTY 50 Index 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 NIFTY 50 Index or particularly in the ability of the said Index to track general stock market performance in India”.

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