my cover Updated - SUD Life Fact Sheet... · 2019-11-07 · October’ 2012 7.81 November’ 2012...

Fact Sheet

December – 2012

InveSTAR

Global Economic Scenario: Economic conditions in Euro area are relatively steady and fiscal cliff problem in US (relating to debt ceiling and spending cut) has been resolved at least for the next two months. Chinese economic growth appears to be looking up after slowing down for 7 consecutive quarters. After a sharp run up in November, Global prices of crude oil and base metals corrected nominally. Gold & Silver have seen sharper correction as Global markets are in ‘risk on’ mode which is also apparent from increase in yields of Government Bonds in US and Germany.

International Commodities Prices Month Ended Nov. Dec. Change %Gold (US$ / ounce) 1,715.7 1,675.4 -2.3Silver (US$ / ounce) 33.4 30.3 -9.2

Copper (US$ / T) 7,978.8 7,907 -0.9

Aluminum (US$ / T) 2,094.0 2,073 -1.0Brent Crude(US$ / bbl)

111.2 111.1 -0.1

Indian Economy:

Index of Industrial Production (IIP)

Following contraction in September’ 2012, IIP (a measure of Industrial Activity) expanded by 8.2% in October (16 month high), on a low base. Strong IIP, partly an aberration, can be explained by the festive season effect. Due to this, November’ 2012 IIP is expected to be lower.

Reform Initiatives by GOI

Despite weakness in macro-economy, Government initiatives in the winter session of Parliament and reform measures through executive route have boosted sentiments in the financial market. Some of the likely steps to rein in fiscal deficits would be spectrum auction, disinvestment, further increase in the prices of petroleum products, cut in expenditure etc.

Foreign Institutional Flows in Equity Market

FII flows during December’ 12 continued to be strong at Rs.25,087 cr. (US$ 4.6 bn.) vs. Rs.9,577 cr. (US$ 1.8 bn.) in November’12. Aggregate flows during CY’ 2012 stood at Rs 1,28,360 cr. (US$ 24.4 bn.), which is second highest after CY’ 2010.

Foreign Trade and Current Account deficit (CAD)

For the month of November’ 2012, exports continued to contract and sharp increase in Oil & Gold imports increased Trade Deficit to US$ 19.3 bn. vs 15.8 bn. in November’ 2011. Trade Deficit from April to November’ 2012 stood at UD$ 129.5 vs. $122.6 bn. in the year ago period. High trade deficit resulted in all time high CAD in 2Q’13 at 5.4% of GDP vs.3.9% 1Q’13 and 4.2% in 2Q’12.

INR vs.US$

Sharp increase in Trade Deficits and CAD triggered weakness in INR, which lost 0.8% during the month to close at Rs.54.99 for 1US$ Vs. Rs.54.25 in November, 2012, despite strong FII flows in Equity & Debt markets.

Inflation

WPI Inflation dropped in November’ 2012 mainly due to drop in Index for manufactured products despite increase in inflation of Primary Articles.

MONTHLY REPORT – DECEMBER ‘2012

ECONOMY AND FINANCIAL MARKETS

Inflation (Based on WPI) For Month-ended YoY % Increase

October’ 2012 7.81

November’ 2012 7.24 Mid-quarter Review of Monetary Policy:

In Mid-quarter Review of Monetary Policy (18th December), RBI kept both CRR and policy rates unchanged. It acknowledged the need for shift in focus to growth and indicated to maintain enough liquidity. It also expressed possible fall-out on emerging economies from the happenings in developed economies

Debt Markets:

Liquidity in money markets turned tight- going beyond Rs 1,50,000 cr. and Call rate edged above Repo rate (8.0%). Post RBI policy Review on 18th Dec, yields remained flat but dropped sharply towards the end of the month with 10 yr. G-sec. closing at 8.05% (vs. 8.17% as at Nov. end) - on expectations of rate cut in January, Open Market Operations by RBI and improved perception of Fiscal Deficit.

Outlook

With expectation of cut in policy rates by RBI in its Quarterly Review of Monetary Policy on 29th January, Bond yields may trend lower, going forward. Rate action by RBI and its policy stance will influence direction of the Bond yields after Quarterly Review of Monetary Policy. Over medium term, interest rates appear to be heading downwards. Therefore investments in long dated Fixed Income instruments appear to be attractive. Stock Markets:

After sharp rally in November, indices maintained levels. Expectation of FDI limit increase in Retail sector and other reforms, and strong FII flows cushioned the impact of weak macroeconomic indicators. Broad Indices

Sensex Nifty

Close as on 30.11.12 19,340 5,880Close as on 31.12.12 19,427 5,905Change% 0.45 0.43

Besides domestic factors, resolution of fiscal cliff problem in US supported continued bullish sentiment with buoyancy in high beta and rate sensitive sectors viz. Metals, Reality, Banking and Auto out-performed the benchmark in the month of December’ 2012.

Sectoral Indices

Sectors (BSE) Index Nos. %

variation Dec-12 Nov-12

Cons. Durables 7,719 8,031 -3.9%

IT 5,684 5,888 -3.5%

FMCG 5,916 6,038 -2.0%

Cap. Goods 10,868 11,080 -1.9%

Power 1,991 1,980 0.5%

Healthcare 8,132 7,946 2.3%

Bankex 14,345 13,952 2.8%

Oil & Gas 8,519 8,252 3.2%

Auto 11,426 10,814 5.7%

Realty 2,111 1,998 5.6%

Metal 11,071 10,355 6.9%

Outlook At about 14.5 X to one year forward earnings estimates, indices are trading at reasonable valuations. Going forward, direction of the indices would be influenced by Third Quarter earnings growth, Monetary Policy of RBI, Policy Actions by GOI and Union Budget.

Performance Summary as on December 31, 2012

InveSTAR

6 Months 1 Year 2 Year 3 YearSince

Inception

SFIN

Balanced Fund

ULIF 001 18/02/09 SUD‐LI‐BL1 142

Equity Fund

14.33% 4.92% 12.14%5.67%

NAV Returns

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

Absolute CAGR

Scheme Name

/ /

18/02/2009 65.41 7.43%15.58

InveSTAR

Equity Fund

ULIF 002 25/02/09 SUD‐LI‐EQ1 142

Growth Fund *

ULIF 003 25/02/09 SUD‐LI‐GR1 142

Bond Fund

ULIF 004 25/02/09 SUD‐LI‐BN1 142

Individual Pension Fund ‐ Equity

ULIF 005 31/03/09 SUD‐PI‐EQ1 142

Individual Pension Fund ‐ Growth

ULIF 006 31/03/09 SUD‐PI‐GR1 142

Individual Pension Fund ‐ Balanced

6.92%10.08%

11.13% 22.31% 1.51%

7.14%

3.77%

4.60%

8.09%

12.45% 26.40% ‐1.04%

140.09 19.76

3.78%

4.92%

12.74% 26.07% ‐1.23% 21.49%

10.81% 21.68% 1.50% 19.18%

/ /

Individual

Life @

Pension Life

@@

25/02/2009

31/03/2009

25/02/2009 111.78 21.24

25/02/2009 25.76 12.88 5.46%

16.70%

14.46%90.69 16.61

31/03/2009 83.96 17.86

InveSTAR

Individual Pension Fund Balanced

ULIF 007 31/03/09 SUD‐PI‐BL1 142

Individual Pension Fund ‐ Bond

ULIF 008 31/03/09 SUD‐PI‐BN1 142

Apex Equity Fund

ULIF 009 20/01/10 SUD‐LA‐EQ1 142

Apex Growth Fund

ULIF 010 20/01/10 SUD‐LA‐GR1 142

Apex Balanced Fund

ULIF 011 20/01/10 SUD‐LA‐BL1 142

Apex Bond Fund

18.85% 3.39%

14.61% 4.86% 5.94%

7.16%

N.A

10.97%31/03/2009 55.73

Individual

Apex $

20/01/2010

31/03/2009 14.28 12.81 5.19%

455.8320/01/2010 11.58 12.24% 26.16% ‐1.11%

14.79 7.46%

9.72% 7.96% 6.81%

5.10%

5.80%

N A12 41 6 03% 11 04%

9.55%

N.A

N.A12.09 6.66%292.8520/01/2010

20/01/2010 11.81 10.74% 21.92% 1.25%

8 49% 7 59%90 92

457.82

InveSTAR

Apex Bond Fund

ULIF 012 20/01/10 SUD‐LA‐BN1 142

Individual Pension Fund ‐ Apex Equity

ULIF 013 20/01/10 SUD‐PA‐EQ1 142

Individual Pension Fund ‐ Apex Growth

ULIF 014 20/01/10 SUD‐PA‐GR1 142

Individual Pension Fund ‐ Apex Balanced

ULIF 015 20/01/10 SUD‐PA‐BL1 142

Individual Pension Fund ‐ Apex Bond

ULIF 016 20/01/10 SUD‐PA‐BN1 142

Express Balanced Fund

20/01/2010 11.55

Pension

Apex $$

20/01/2010

20/01/2010

20/01/2010

N.A12.41 6.03% 11.04%

5.04%

5.93%

7.23%

N.A

13.23%

148.36 11.56

8.01%

N.A10.98% 22.05% 1.00%

3.55%

8.49% 7.59%

27.58% ‐0.88% 5.00%128.72 N.A

90.92

19.26%

16 70% N AIndividual

29/04/2011 31 86 11 39 8 95%

66.47

24.6820/01/2010 12.28 5.43% 10.08% N.A

11.85 9.61%

N A 8 09%

InveSTAR

Express Balanced Fund

ULIF 017 29/04/11 SUD‐LX‐BL1 142

Discontinued Policies Fund

ULIF 018 03/06/11 SUD‐UL‐DP1 142

Total AUM 2355.62

@ For Dhan Suraksha, Dhan Suraksha Premium, Prabhat Tara Products@@ For Dhruv Tara Products $ For New Dhan Suraksha, New Dhan Suraksha Premium, New Prabhat Tara, Dhan Suraksha 3, Dhan Suraksha Premium 3 Products, Prabhat Tara 3 Products.$$ For New Dhruv Tara Products

03/06/2011 70.40 11.00 4.21% 8.58% N.A

16.70% N.AIndividual

Life *29/04/2011 31.86 11.39 8.95%

8.47%N.A

N.A 8.09%

InveSTAR

$$ For New Dhruv Tara Products* For Dhan Suraksha Express

InveSTAR InveSTAR

Investment Objective :

Date of Inception : SFIN No.

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

Products : AUM :

Rs. 65.41 Cr

% to AUM

`

Equity 29.38% Minimum Maximum

Infosys Ltd 2.84% 0% 60% 29.38%

Reliance Industries Ltd 2.73% 40% 100% 70.62%

State Bank of India 2.54%

Larsen & Toubro Limited 2.07%

ITC Ltd. 1.93%

Housing Development Finance Corporation Ltd. 1.84%

ICICI Bank Ltd 1.57%

Bajaj Auto Limited 1.47%

Aditya Birla Nuvo Limited 1.47%

Dr. Reddys Laboratories Ltd. 1.37%

HDFC Bank Ltd 1.35%

Mahindra & Mahindra Ltd. 1.16%

Tata Steel Limited 1.15%

Others (with < 1% exposure) 5.90%

Debt 60.50%

Gilts & SDL 5.44%

GOI 4.53%

SDL (with < 1% exposure) 0.91%

Corporate Bonds 55 06%

Equity

Debt, MM & Others

Benchmark :

S & P CNX Nifty ‐ 30%

CRISIL Composite Bond Index ‐ 70%

BALANCED FUND - DECEMBER, 2012

To aim for stable returns over medium to long term through investments in high quality fixed income and money

market instruments and enhance returns through a fair exposure to equity investments.

Investment PatternActual

Asset Mix

Particulars

For Dhan Suraksha, Dhan Suraksha Premium, Prabhat

Tara.

Debt60.50%

Equity29.38%

MM & Others10.12%

Asset Allocation (% to AUM)

Gilt8.99%

AA

AA+11.75%

Debt Rating Profile (% of Debt)

Corporate Bonds 55.06%

Housing Development Finance Corporation Ltd. 5.46%LIC Housing Finance Ltd 4.91%Power Finance Corporation Limited 4.66%Rural Electrification Corporation Limited 4.02%


The Great Eastern Shipping Co. Limited 3.17%

Steel Authority of India Ltd. 3.02%

Indian Oil Corporation Ltd 2.60%

Reliance Gas Transportation Infrastructure Limited 2.49%

The Indian Hotels Company Limited 2.34%

Dr. Reddy's Laboratories Ltd. 2.32%

Tech Mahindra Limited 1.86%

Reliance Capital Limited 1.70%

Tata Communications Limited 1.69%

National Housing Bank 1.67%

Raymond Ltd. 1.58%

Indian Railway Financial Corporation Ltd. 1.56%

Reliance Ports & Terminals Ltd. 1.49%

Power Grid Corporation of India Limited 1.36%


MM & Others 10.12%

Total 100.00%

`

12.21%

12.13%

6.05%

6.01%

5.41%

5.28%

4.52%

Housing Finance Services

Infrastructure finance services

Refinery

Banking Services

Computer software

Industrial Construction

Drugs & pharmaceuticals

Top 10 Industry Exposure ( % to AUM)

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

21.57%

33.71%

17.42%

25.69%

1.60%

Debt Maturity Profile (% of Debt)

Debt60.50%

Equity29.38%

MM & Others10.12%


Gilt8.99%

AAA76.65%

AA2.61%

AA+11.75%


11

12

13

14

15

16

NAV/U

NIT (Rs)

NAV Performance (Since Inception)

Balance Fund Benchmark

12.21%

12.13%

6.05%

6.01%

5.41%

5.28%

4.52%

4.17%

3.17%

2.64%



Refinery

Banking Services

Computer software



Steel

Shipping transport services

LNG storage & distribution



21.57%

33.71%

17.42%

25.69%

1.60%

Debt Maturity Profile (% of Debt)

Debt60.50%

Equity29.38%

MM & Others10.12%


Gilt8.99%

AAA76.65%

AA2.61%

AA+11.75%


9

10

11

12

13

14

15

16

Feb‐09

Apr‐09

Jun‐09

Aug‐09

Oct‐09

Dec‐09

Feb‐10

Apr‐10

Jun‐10

Aug‐10

Oct‐10

Dec‐10

Feb‐11

Apr‐11

Jun‐11

Aug‐11

Oct‐11

Dec‐11

Feb‐12

Apr‐12

Jun‐12

Aug‐12

Oct‐12

Dec‐12

NAV/U

NIT (Rs)


Balance Fund Benchmark

Investment Objective:


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

Products : AUM:

Rs. 111.78 Cr

Portfolio % to AUM

`


Larsen & Toubro Limited 7.11% 80% 100% 95.15%



HDFC Bank Ltd 4.62%


Infosys Ltd 4.39%



Tata Consultancy Services Limited 3.31%

Axis Bank Limited 3.28%

Bharti Airtel Limited 3.08%


Cipla Ltd. 2.97%

ITC Ltd. 2.84%

Coal India Limited 2.70%

Grasim Industries Ltd. 2.45%

Hindustan Unilever Limited 2 42%

Equity

MM & Others

EQUITY FUND - DECEMBER, 2012

Benchmark :



Tara.

CRISIL Liquid Fund Index ‐ 10%

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

equity‐related instruments.


Asset Mix

Particulars

Equity95 15%

MM & Others4.85%


Hindustan Unilever Limited 2.42%

Hindalco Industries Ltd. 2.15%

Godrej Consumer Products Limited 2.06%

Tata Motors Limited 1.95%


Sterlite Industries ( India ) Limited 1.83%



HCL Technologies Ltd 1.54%

Tata Steel Limited 1.50%Sun Pharmaceuticals Industries Ltd 1.30%Oil & Natural Gas Corpn Ltd 1.25%Chambal Fertilizers & Chemicals Ltd 1.18%Hindustan Petroleum Corporation Ltd. 1.11%Lupin Limited 1.03%Others (with < 1% exposure) 7.30%

MM & Others 4.85%

Total 100.00%

`

18.38%

10.73%

8.05%

7.11%

6.22%

4.48%

4.04%

3.98%

Banking Services

Computer software

Refinery



Cosmetics, toiletries, soaps & detergents


Copper & copper products

Top 10 Industry Exposure (% to AUM)

Equity95.15%

MM & Others4.85%


9

11

13

15

17

19

21

23

25

Feb‐09

Apr‐09

Jun‐09

Aug‐09

Oct‐09

Dec‐09

Feb‐10

Apr‐10

Jun‐10

Aug‐10

Oct‐10

Dec‐10

Feb‐11

Apr‐11

Jun‐11

Aug‐11

Oct‐11

Dec‐11

Feb‐12

Apr‐12

Jun‐12

Aug‐12

Oct‐12

Dec‐12

NAV/U

NIT (Rs)


Equity Fund Benchmark

18.38%

10.73%

8.05%

7.11%

6.22%

4.48%

4.04%

3.98%

3.31%

3.08%

Banking Services

Computer software

Refinery






Passenger cars & multi utility vehicles

Telecommunication services

Top 10 Industry Exposure (% to AUM)

Equity95.15%

MM & Others4.85%


9

11

13

15

17

19

21

23

25

Feb‐09

Apr‐09

Jun‐09

Aug‐09

Oct‐09

Dec‐09

Feb‐10

Apr‐10

Jun‐10

Aug‐10

Oct‐10

Dec‐10

Feb‐11

Apr‐11

Jun‐11

Aug‐11

Oct‐11

Dec‐11

Feb‐12

Apr‐12

Jun‐12

Aug‐12

Oct‐12

Dec‐12

NAV/U

NIT (Rs)


Equity Fund Benchmark



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

Products : AUM:

Rs. 140.09 Cr

Portfolio % to AUM

`




Infosys Ltd 3.33%




HDFC Bank Ltd 2.99%




ITC Ltd. 2.39%








IndusInd Bank Limited 1.65%


Sun Pharmaceuticals Industries Ltd 1.43%

Equity

Debt, MM & Others

To aim for medium to long term capital appreciation by maintaining a diversified portfolio of equity and equity

related instruments and fair exposure to high credit quality portfolio of debt and money market instruments.


Asset Mix

Particulars

GROWTH FUND - DECEMBER, 2012

Benchmark :




Tara & Dhan Suraksha Express.

Debt23.72%

Equity72.76%

MM & Others3.52%


Gilt3.97%

AA+16.92%





Hindustan Petroleum Corporation Ltd. 1.12%

Oil & Natural Gas Corpn Ltd 1.12%

Lupin Limited 1.08%


Cipla Ltd. 1.04%



Debt 23.72%

Gilts & SDL 0.94%

GOI 0.94%



LIC Housing Finance Ltd 2.37%


Power Finance Corporation Limited 1.93%



Tata Capital Financial Services Ltd 1.45%



MM & Others 3.52%

Total 100.00%

`

14.15%

9.98%

7.05%

6.82%

5.49%

4.26%

Banking Services

Computer software


Refinery





22.64%

27.88%

16.19%

32.43%

0.86%

Debt Maturity Profile ( % of Debt)

Debt23.72%

Equity72.76%

MM & Others3.52%


Gilt3.97%

AAA78.50%

AA0.61%

AA+16.92%


12

13

14

15

16

17

18

19

20

NAV/U

NIT (R

s)


Growth Fund Benchmark

14.15%

9.98%

7.05%

6.82%

5.49%

4.26%

4.06%

3.98%

3.46%

3.18%

Banking Services

Computer software


Refinery



Other Financial Services


Steel




22.64%

27.88%

16.19%

32.43%

0.86%


Debt23.72%

Equity72.76%

MM & Others3.52%


Gilt3.97%

AAA78.50%

AA0.61%

AA+16.92%


9

10

11

12

13

14

15

16

17

18

19

20

Feb‐09

Apr‐09

Jun‐09

Aug‐09

Oct‐09

Dec‐09

Feb‐10

Apr‐10

Jun‐10

Aug‐10

Oct‐10

Dec‐10

Feb‐11

Apr‐11

Jun‐11

Aug‐11

Oct‐11

Dec‐11

Feb‐12

Apr‐12

Jun‐12

Aug‐12

Oct‐12

Dec‐12

NAV/U

NIT (R

s)


Growth Fund Benchmark



February 25, 2009 ULIF 004 25/02/09 SUD‐LI‐BN1 142

Products : AUM :

Rs. 25.76 Cr

Portfolio % to AUM

`

Debt 91.54% Minimum Maximum

Gilts & SDL 19.81% 80% 100% 91.54%

GOI 18.12% 0% 20% 8.46%

SDL ‐ Gujarat 1.14%








United Phosphorus Limited 4.08%






Debt

MM & Others



Benchmark :

BOND FUND - DECEMBER, 2012

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


Tara.

Debt91.54%

MM & Others8.46%


Gilt21 64%

AA+15 23%

Debt Rating Profile (% of Debt)y

MRF Ltd. 2.85%

Rural Electrification Corporation Limited 2.79%

Reliance Industries Ltd 2.77%


National Bank For Agriculture And Rural Development 1.98%

Tata Capital Financial Services Ltd 1.97%


TATA Sons 1.58%




MM & Others 8.46%

Total 100.00%

`

13.04%

10.97%

6.43%

4.80%

4.78%

4.37%

4.29%

4.08%

3 45%





Refinery

Electricity distribution


Pesticides

Steel



12.65%

26.99%

11.27%

43.66%

5.42%


Debt91.54%

MM & Others8.46%


Gilt21.64%

AAA62.70%

AA0.43%

AA+15.23%


10

11

12

13

14

NAV/U

NIT (R

s)


Bond Fund Benchmark

13.04%

10.97%

6.43%

4.80%

4.78%

4.37%

4.29%

4.08%

3.45%

3.09%





Refinery



Pesticides

Steel

Diversified



12.65%

26.99%

11.27%

43.66%

5.42%


Debt91.54%

MM & Others8.46%


Gilt21.64%

AAA62.70%

AA0.43%

AA+15.23%


9

10

11

12

13

14

Feb‐09

Apr‐09

Jun‐09

Aug‐09

Oct‐09

Dec‐09

Feb‐10

Apr‐10

Jun‐10

Aug‐10

Oct‐10

Dec‐10

Feb‐11

Apr‐11

Jun‐11

Aug‐11

Oct‐11

Dec‐11

Feb‐12

Apr‐12

Jun‐12

Aug‐12

Oct‐12

Dec‐12

NAV/U

NIT (R

s)


Bond Fund Benchmark



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

Products : AUM :

Rs. 83.96 Cr

Portfolio % to AUM

`








HDFC Bank Ltd 3.82%

Infosys Ltd 3.26%









Godrej Consumer Products Limited 2 51%

MM & Others

INDIVIDUAL PENSION FUND EQUITY - DECEMBER, 2012

Benchmark :



Equity

For Dhruv Tara Products

To seek consistent long term capital appreciation through investments primarily in equity and equity‐related

instruments by focusing predominantly on well established companies.

Asset Mix

ParticularsInvestment Pattern

Actual

MM & Others5.63%







ITC Ltd. 1.78%




Lupin Limited 1.43%


Wipro Ltd 1.25%




MM & Others 5.63%

Total 100.00%

`

17.88%

10.69%

7.69%

7.50%

5.19%

5.11%

4.98%

4 33%

Banking Services

Computer software

Refinery







Equity94.37%

MM & Others5.63%


10

11

12

13

14

15

16

17

18

19

20

21

22

Mar‐09

May‐09

Jul‐09

Oct‐09

Dec‐09

Feb‐10

Apr‐10

Jun‐10

Aug‐10

Oct‐10

Dec‐10

Feb‐11

Apr‐11

Jun‐11

Aug‐11

Oct‐11

Dec‐11

Feb‐12

Apr‐12

Jun‐12

Aug‐12

Oct‐12

Dec‐12

NAV/U

NIT (Rs)


Pen Equity Benchmark

17.88%

10.69%

7.69%

7.50%

5.19%

5.11%

4.98%

4.33%

3.14%

3.00%

Banking Services

Computer software

Refinery









Equity94.37%

MM & Others5.63%


10

11

12

13

14

15

16

17

18

19

20

21

22

Mar‐09

May‐09

Jul‐09

Oct‐09

Dec‐09

Feb‐10

Apr‐10

Jun‐10

Aug‐10

Oct‐10

Dec‐10

Feb‐11

Apr‐11

Jun‐11

Aug‐11

Oct‐11

Dec‐11

Feb‐12

Apr‐12

Jun‐12

Aug‐12

Oct‐12

Dec‐12

NAV/U

NIT (Rs)


Pen Equity Benchmark



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

Products : AUM :

Rs. 90.69 Cr

Portfolio % to AUM

`







HDFC Bank Ltd 3.27%






ITC Ltd. 2.26%




Infosys Ltd 1.90%








Equity

Debt, MM & Others

To seek consistent growth over medium to long term by focusing predominantly on well established companies

through investments primarily in equity and equity‐related instruments and fair exposure to high credit quality

portfolio of debt and money market instruments.

Asset Mix


Actual

INDIVIDUAL PENSION FUND GROWTH - DECEMBER, 2012

Benchmark :




Debt24.11%

Equity70.55%

MM & Others5.34%


Gilt5.19%

AA0.93%

AA+9.40%





Debt 24.11%

Gilts & SDL 1.25%

GOI 1.18%
















MM & Others 5.34%

Total 100.00%

`

13.99%

9.95%

8.23%

6.30%

5.36%

4.55%

4.28%

Banking Services

Computer software

Refinery




Steel

Top 10 Industry Exposure ( % to AUM)< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years

2.81%

51.57%

15.13%

26.03%

4.45%


Debt24.11%

Equity70.55%

MM & Others5.34%


Gilt5.19%

AAA84.48%

AA0.93%

AA+9.40%


12

13

14

15

16

17

18

19

NAV/U

NIT (Rs)


Pen Growth Benchmark

13.99%

9.95%

8.23%

6.30%

5.36%

4.55%

4.28%

4.09%

3.56%

2.95%

Banking Services

Computer software

Refinery




Steel





2.81%

51.57%

15.13%

26.03%

4.45%


Debt24.11%

Equity70.55%

MM & Others5.34%


Gilt5.19%

AAA84.48%

AA0.93%

AA+9.40%


10

11

12

13

14

15

16

17

18

19

Mar‐09

May‐09

Jul‐09

Oct‐09

Dec‐09

Feb‐10

Apr‐10

Jun‐10

Aug‐10

Oct‐10

Dec‐10

Feb‐11

Apr‐11

Jun‐11

Aug‐11

Oct‐11

Dec‐11

Feb‐12

Apr‐12

Jun‐12

Aug‐12

Oct‐12

Dec‐12

NAV/U

NIT (Rs)


Pen Growth Benchmark



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

Products : AUM :

Rs. 55.73 Cr

Portfolio % to AUM

`



Infosys Ltd 2.96% 40% 100% 70.97%



ICICI Bank Ltd 1.84%Mahindra & Mahindra Ltd. 1.84%


Tata Global Beverages Ltd. 1.44%

ITC Ltd. 1.16%





Debt 63.56%

Gilts & SDL 7.61%

GOI 4.02%State Government ‐ Tamil Nadu 2.71%SDL (with < 1% exposure) 0.89%

d %

INDIVIDUAL PENSION FUND BALANCED - DECEMBER, 2012

Benchmark :



Equity


Debt, MM & Others

To aim for stable returns over medium to long term through investments in high quality fixed income and

money market instruments and enhance returns through a fair exposure to equity investments.

Asset Mix


Actual

Debt63.56%

Equity29.03%

MM & Others7.41%


Gilt11.98%

AA1.72%

AA+11.00%



Rural Electrification Corporation Limited 6.42%Housing Development Finance Corporation Ltd. 6.26%LIC Housing Finance Ltd 4.50%











TATA Sons 1.27%






MM & Others 7.41%

Total 100.00%

`

12.82%

12.20%

9.17%

5.51%

5.08%

4.90%

4.20%

3 99%



Refinery

Computer software


Steel

Banking Services

Telecommunication


12.21%

32.98%

19.99%

30.44%

4.37%


Debt63.56%

Equity29.03%

MM & Others7.41%


Gilt11.98%

AAA75.30%

AA1.72%

AA+11.00%


11

12

13

14

15

NAV/U

NIT (Rs)


Pen Bal Benchmark

12.82%

12.20%

9.17%

5.51%

5.08%

4.90%

4.20%

3.99%

3.34%

2.75%



Refinery

Computer software


Steel

Banking Services



Hotels & restaurants


12.21%

32.98%

19.99%

30.44%

4.37%


Debt63.56%

Equity29.03%

MM & Others7.41%


Gilt11.98%

AAA75.30%

AA1.72%

AA+11.00%


10

11

12

13

14

15

Mar‐09

May‐09

Jul‐09

Oct‐09

Dec‐09

Feb‐10

Apr‐10

Jun‐10

Aug‐10

Oct‐10

Dec‐10

Feb‐11

Apr‐11

Jun‐11

Aug‐11

Oct‐11

Dec‐11

Feb‐12

Apr‐12

Jun‐12

Aug‐12

Oct‐12

Dec‐12

NAV/U

NIT (Rs)


Pen Bal Benchmark



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

Products : AUM :

Rs. 14.28 Cr

Portfolio % to AUM

`


Gilts & SDL 15.31% 80% 100% 86.83%

GOI 6.72% 0% 20% 13.17%

State Government ‐ Tamil Nadu 3.52%

SDL ‐ Andhra Pradesh 1.96%


SDL ‐ Kerala 1.34%









INDIVIDUAL PENSION FUND BOND - DECEMBER, 2012

Benchmark :



Debt


MM & Others

To aim for stable returns over medium to long term by judicious mix of investments in Government securities and high

quality corporate debt of varying maturities and also in money market instruments.

Asset Mix


Actual

Debt86.83%

MM & Others13.17%


( )y %





MRF Ltd. 2.93%


TATA Sons 2.14%







MM & Others 13.17%

Total 100.00%

`

14.20%

9.82%

7.76%

7.51%

6.25%

5.91%

5.04%

3.58%





Steel

Refinery





6.72%

26.53%

20.57%

42.02%

4.17%


Debt86.83%

MM & Others13.17%


Gilt17.63%

AAA70.00%

AA1.64%

AA+10.73%


10.0

11.0

12.0

13.0

NAV/U

NIT (Rs)

NAV Performance (Since Inception)Pen Bond Benchmark

14.20%

9.82%

7.76%

7.51%

6.25%

5.91%

5.04%

3.58%

2.93%

2.14%





Steel

Refinery



Tyres and Tubes

Securities investment services



6.72%

26.53%

20.57%

42.02%

4.17%


Debt86.83%

MM & Others13.17%


Gilt17.63%

AAA70.00%

AA1.64%

AA+10.73%


9.0

10.0

11.0

12.0

13.0

Mar‐09

May‐09

Jul‐09

Oct‐09

Dec‐09

Feb‐10

Apr‐10

Jun‐10

Aug‐10

Oct‐10

Dec‐10

Feb‐11

Apr‐11

Jun‐11

Aug‐11

Oct‐11

Dec‐11

Feb‐12

Apr‐12

Jun‐12

Aug‐12

Oct‐12

Dec‐12

NAV/U

NIT (Rs)

NAV Performance (Since Inception)Pen Bond Benchmark



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

Products: AUM :

Rs. 455.83 Cr

Portfolio % to AUM

`




HDFC Bank Ltd 4.27%



Infosys Ltd 3.45%

ITC Ltd. 3.36%












APEX EQUITY FUND - DECEMBER, 2012

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

related instruments.


Asset Mix

Particulars

For New Dhan Suraksha, New Dhan Suraksha Premium,

New Prabhat Tara, Dhan Suraksha 3 & Dhan Suraksha

Premium 3, Prabhat Tara 3.

Equity

MM & Others

Benchmark :



Equity

MM & Others5.91%








Ambuja Cements Ltd 1.76%





Wipro Ltd 1.37%

Lupin Limited 1.29%

ACC Limited 1.27%


Cipla Ltd. 1.19%


Chambal Fertilizers & Chemicals Ltd 1.07%


MM & Others 5.91%

Total 100.00%

`

15.81%

12.00%

7.31%

6.47%

5.08%

3.84%

3.74%

3.44%

Banking Services

Computer software

Refinery







Equity94.09%

MM & Others5.91%


8.0

9.0

10.0

11.0

12.0

13.0

Jan‐10

Mar‐10

Apr‐10

Jun‐10

Aug‐10

Sep‐10

Nov‐10

Jan‐11

Feb‐11

Apr‐11

Jun‐11

Jul‐11

Sep‐11

Nov‐11

Dec‐11

Feb‐12

Mar‐12

May‐12

Jul‐12

Aug‐12

Oct‐12

Dec‐12

NAV/U

NIT (Rs)


Apex Equity Benchmark

15.81%

12.00%

7.31%

6.47%

5.08%

3.84%

3.74%

3.44%

3.36%

3.05%

Banking Services

Computer software

Refinery






Tobacco products



Equity94.09%

MM & Others5.91%


8.0

9.0

10.0

11.0

12.0

13.0

Jan‐10

Mar‐10

Apr‐10

Jun‐10

Aug‐10

Sep‐10

Nov‐10

Jan‐11

Feb‐11

Apr‐11

Jun‐11

Jul‐11

Sep‐11

Nov‐11

Dec‐11

Feb‐12

Mar‐12

May‐12

Jul‐12

Aug‐12

Oct‐12

Dec‐12

NAV/U

NIT (Rs)


Apex Equity Benchmark



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

Products : AUM :

Rs. 457.82 Cr

Portfolio % to AUM

`






HDFC Bank Ltd 2.76%

Infosys Ltd 2.59%






ITC Ltd. 2.16%






Ambuja Cements Ltd 1.78%




APEX GROWTH FUND - DECEMBER, 2012

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

For New Dhan Suraksha, New Dhan Suraksha

Premium, New Prabhat Tara, Dhan Suraksha 3 &

Dhan Suraksha Premium 3, Prabhat Tara 3.

Equity

Debt, MM & Others

Benchmark :



Debt24.07%

Equity71.82%

MM & Others4.11%


Gilt10.91%

AA

AA+18.30%






Lupin Limited 1.37%


Wipro Ltd 1.17%



Debt 24.07%

Gilts & SDL 2.63%

GOI 2.39%







Sundaram Finance Ltd. 1.16%


MM & Others 4.11%

Total 100.00%

`

11.92%

9.47%

7.12%

6.06%

5.22%

4.66%

3.96%

Banking Services

Computer software


Refinery





19.18%

23.19%

9.20%

36.40%

12.03%


Debt24.07%

Equity71.82%

MM & Others4.11%


Gilt10.91%

AAA68.91%

AA1.87%

AA+18.30%


10.0

10.5

11.0

11.5

12.0

NAV/U

NIT (R

s)


Apex Growth Benchmark

11.92%

9.47%

7.12%

6.06%

5.22%

4.66%

3.96%

3.85%

3.24%

3.12%

Banking Services

Computer software


Refinery








19.18%

23.19%

9.20%

36.40%

12.03%


Debt24.07%

Equity71.82%

MM & Others4.11%


Gilt10.91%

AAA68.91%

AA1.87%

AA+18.30%


9.0

9.5

10.0

10.5

11.0

11.5

12.0

Jan‐10

Mar‐10

Apr‐10

Jun‐10

Aug‐10

Sep‐10

Nov‐10

Jan‐11

Feb‐11

Apr‐11

Jun‐11

Jul‐11

Sep‐11

Nov‐11

Dec‐11

Feb‐12

Mar‐12

May‐12

Jul‐12

Aug‐12

Oct‐12

Dec‐12

NAV/U

NIT (R

s)


Apex Growth Benchmark



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

Products : AUM :

Rs. 292.85 Cr

Portfolio % to AUM

`





Infosys Ltd 2.39%

HDFC Bank Ltd 2.10%












Lupin Limited 1.28%



ITC Ltd. 1.20%


APEX BALANCED FUND - DECEMBER, 2012


Asset Mix

Particulars

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.

Benchmark :



For New Dhan Suraksha, New Dhan Suraksha

Premium, New Prabhat Tara, Dhan Suraksha 3 & Dhan

Suraksha Premium 3, Prabhat Tara 3.

Debt40.91%

Equity50.86%

MM & Others8.23%

Asset Allocation( % to AUM)

Gilt13.71%

AA+15.94%


Debt 40.91%

Gilts & SDL 5.61%

GOI 2.52%







United Phosphorus Limited 1.80%

Raymond Ltd. 1.76%

Infrastructure Leasing & Financial Services Ltd. 1.63%



UltraTech Cement Limited 1.47%

HDB Financial Services LTD 1.40%


Hindalco Industries Ltd. 1.22%Others (with < 1% exposure) 9.03%

MM & Others 8.23%

Total 100.00%

`

9.01%

8.04%

6.87%

5.70%

4.01%

3.98%

3.86%

3 16%


Banking Services

Computer software


Refinery



Cement



15.13%

25.82%

10.32%

46.89%

1.83%


Debt40.91%

Equity50.86%

MM & Others8.23%


Gilt13.71%

AAA66.04%

AA4.31%

AA+15.94%


10

10.5

11

11.5

12

12.5

NAV/U

NIT (R

s)


Apex Balance Benchmark

9.01%

8.04%

6.87%

5.70%

4.01%

3.98%

3.86%

3.16%

3.01%

2.91%


Banking Services

Computer software


Refinery



Cement





15.13%

25.82%

10.32%

46.89%

1.83%


Debt40.91%

Equity50.86%

MM & Others8.23%


Gilt13.71%

AAA66.04%

AA4.31%

AA+15.94%


9

9.5

10

10.5

11

11.5

12

12.5

Jan‐10

Mar‐10

Apr‐10

Jun‐10

Aug‐10

Sep‐10

Nov‐10

Jan‐11

Feb‐11

Apr‐11

Jun‐11

Jul‐11

Sep‐11

Nov‐11

Dec‐11

Feb‐12

Mar‐12

May‐12

Jul‐12

Aug‐12

Oct‐12

Dec‐12

NAV/U

NIT (R

s)


Apex Balance Benchmark



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

Products : AUM :

Rs. 90.92 Cr

Portfolio % to AUM

`


Gilts & SDL 17.85% 80% 100% 90.38%

GOI 14.36% 0% 20% 9.62%





National Thermal Power Corporation Limited 7.74%









R li I d t i Ltd 2 66%

APEX BOND FUND - DECEMBER, 2012

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

For New Dhan Suraksha, New Dhan Suraksha Premium,

New Prabhat Tara, Dhan Suraksha 3 & Dhan Suraksha

Premium 3, Prabhat Tara 3.

DEBT

MM & Others

Particulars

Benchmark :



Debt90.38%

MM & Others9.62%


Gilt19.75%AA+

13 83%

Debt Rating Profile (% of Debt)Reliance Industries Ltd 2.66%





MRF Ltd. 1.73%

L & T Finance Ltd. 1.66%


TATA Sons 1.45%






MM & Others 9.62%

Total 100.00%

`

10.98%

7.87%

7.74%

7.27%

5.60%

3.33%

2.99%

2.91%



Electricity generation


Service activities incidental to water transportation

Steel

Refinery

Other Fund Base Financial Services



12.36% 11.77% 10.37%

39.69%

25.82%


Debt90.38%

MM & Others9.62%


Gilt19.75%

AAA65.48%

AA0.94%

AA+13.83%


10.4

10.6

10.8

11.0

11.2

11.4

11.6

11.8

12.0

12.2

12.4

12.6

NAV/U

NIT (R

s)


Apex Bond Benchmark

10.98%

7.87%

7.74%

7.27%

5.60%

3.33%

2.99%

2.91%

2.84%

2.80%



Electricity generation



Steel

Refinery

Other Fund Base Financial Services

Investment services




12.36% 11.77% 10.37%

39.69%

25.82%


Debt90.38%

MM & Others9.62%


Gilt19.75%

AAA65.48%

AA0.94%

AA+13.83%


9.8

10.0

10.2

10.4

10.6

10.8

11.0

11.2

11.4

11.6

11.8

12.0

12.2

12.4

12.6

Jan‐10

Mar‐10

Apr‐10

Jun‐10

Aug‐10

Sep‐10

Nov‐10

Jan‐11

Feb‐11

Apr‐11

Jun‐11

Jul‐11

Sep‐11

Nov‐11

Dec‐11

Feb‐12

Mar‐12

May‐12

Jul‐12

Aug‐12

Oct‐12

Dec‐12

NAV/U

NIT (R

s)


Apex Bond Benchmark



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

Products : AUM :

Rs. 128.72 Cr

Portfolio % to AUM

`




HDFC Bank Ltd 4.51%






Infosys Ltd 3.32%








Tata Motors Limited 2 27%

INDIVIDUAL PENSION FUND APEX EQUITY - DECEMBER, 2012

Benchmark :



Equity

For New Dhruv Tara Products

MM & Others

To seek consistent long term capital appreciation through investments primarily in equity and equity‐related

instruments by focusing predominantly on well established companies.

Asset Mix


Actual

MM & Others7.46%






ITC Ltd. 2.03%


Lupin Limited 1.79%






Cipla Ltd. 1.38%



MM & Others 7.46%

Total 100.00%

`

17.19%

10.44%

6.58%

6.33%

6.30%

5.23%

4.40%

3.86%

Banking Services

Computer software

Refinery







Equity92.54%

MM & Others7.46%


8.5

9.0

9.5

10.0

10.5

11.0

11.5

12.0

12.5

13.0

Jan‐10

Mar‐10

Apr‐10

Jun‐10

Aug‐10

Sep‐10

Nov‐10

Jan‐11

Feb‐11

Apr‐11

Jun‐11

Jul‐11

Sep‐11

Nov‐11

Dec‐11

Feb‐12

Mar‐12

May‐12

Jul‐12

Aug‐12

Oct‐12

Dec‐12

NAV/U

NIT (Rs)


Pen Apex Equity Benchmark

17.19%

10.44%

6.58%

6.33%

6.30%

5.23%

4.40%

3.86%

3.85%

3.13%

Banking Services

Computer software

Refinery







Diversified


Equity92.54%

MM & Others7.46%


8.5

9.0

9.5

10.0

10.5

11.0

11.5

12.0

12.5

13.0

Jan‐10

Mar‐10

Apr‐10

Jun‐10

Aug‐10

Sep‐10

Nov‐10

Jan‐11

Feb‐11

Apr‐11

Jun‐11

Jul‐11

Sep‐11

Nov‐11

Dec‐11

Feb‐12

Mar‐12

May‐12

Jul‐12

Aug‐12

Oct‐12

Dec‐12

NAV/U

NIT (Rs)


Pen Apex Equity Benchmark



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

Products : AUM :

Rs. 148.36 Cr

Portfolio % to AUM

`






HDFC Bank Ltd 3.21%

Infosys Ltd 3.04%





ITC Ltd. 2.43%









INDIVIDUAL PENSION FUND APEX GROWTH - DECEMBER, 2012

Benchmark :



Equity


Debt, MM & Others

To seek consistent growth over medium to long term by focusing predominantly on well established

companies through investments primarily in equity and equity‐related instruments and fair exposure to high

credit quality portfolio of debt and money market instruments.

Asset Mix


Actual

Debt26.81%

Equity69.42%

MM & Others3.76%


Gilt18 44%

AA+


j j

Cipla Ltd. 1.52%





Lupin Limited 1.20%



Debt 26.81%

Gilts & SDL 4.94%

GOI 3.84%


Corporate Bonds 21.87%Power Finance Corporation Limited 3.58%








MM & Others 3.76%

Total 100.00%

`

11.24%

9.92%

8.30%

6.49%

6.38%

5.29%

5.26%

Banking Services

Computer software




Refinery


Passenger cars & multi utility



10.59%

37.85%

11.77%

33.97%

5.81%


Debt26.81%

Equity69.42%

MM & Others3.76%


Gilt18.44%

AAA75.19%

AA+6.37%


9 5

10.0

10.5

11.0

11.5

12.0

NAV/U

NIT (Rs)


Pen Apex Growth Benchmark

11.24%

9.92%

8.30%

6.49%

6.38%

5.29%

5.26%

3.51%

3.50%

2.92%

Banking Services

Computer software




Refinery







10.59%

37.85%

11.77%

33.97%

5.81%


Debt26.81%

Equity69.42%

MM & Others3.76%


Gilt18.44%

AAA75.19%

AA+6.37%


9.0

9.5

10.0

10.5

11.0

11.5

12.0

Jan‐10

Mar‐10

Apr‐10

Jun‐10

Aug‐10

Sep‐10

Nov‐10

Jan‐11

Feb‐11

Apr‐11

Jun‐11

Jul‐11

Sep‐11

Nov‐11

Dec‐11

Feb‐12

Mar‐12

May‐12

Jul‐12

Aug‐12

Oct‐12

Dec‐12

NAV/U

NIT (Rs)


Pen Apex Growth Benchmark



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

Products : AUM :

Rs. 66.47 Cr

Portfolio % to AUM

`



Mahindra & Mahindra Ltd. 3.67% 35% 65% 50.33%

HDFC Bank Ltd 3.32%

Larsen & Toubro Limited 2.77%Infosys Ltd 2.46%Housing Development Finance Corporation Ltd. 2.00%



Tata Global Beverages Ltd. 1.71%Grasim Industries Ltd. 1.50%Tata Consultancy Services Limited 1.47%

Hindustan Unilever Limited 1.66%Lupin Limited 1.63%

Aditya Birla Nuvo Limited 1.60%Tech Mahindra Limited 1.55%Tata Steel Limited 1.43%Power Grid Corporation of India Limited 1.42%Cipla Ltd. 1.25%Axis Bank Limited 1.22%IndusInd Bank Limited 1.16%

Oth ( ith 1% ) 10 17%

INDIVIDUAL PENSION FUND APEX BALANCED - DECEMBER, 2012

Benchmark :



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.

Asset Mix


Actual

Debt44.66%

Equity49.67%

MM & Others5.67%


Gilt23.11%

AA+8.03%



Debt 44.66%

Gilts & SDL 10.32%

GOI 6.87%



SDL ‐ Other States (with < 1% exposure) 0.48%











TATA Sons 1.52%


MM & Others 5.67%

Total 100.00%

`

9.21%

8.64%

7.94%

7.88%

6.65%

6.09%

4.15%

4 07%


Banking Services

Refinery

Computer software



Diversified

Service activities incidental to


19.15%22.22%

12.17%

44.05%

2.41%


Debt44.66%

Equity49.67%

MM & Others5.67%


Gilt23.11%

AAA68.86%

AA+8.03%


10.0

10.5

11.0

11.5

12.0

12.5

NAV/U

NIT (R

s)


Pen Apex Bal Benchmark

9.21%

8.64%

7.94%

7.88%

6.65%

6.09%

4.15%

4.07%

3.82%

3.67%


Banking Services

Refinery

Computer software



Diversified





19.15%22.22%

12.17%

44.05%

2.41%


Debt44.66%

Equity49.67%

MM & Others5.67%


Gilt23.11%

AAA68.86%

AA+8.03%


9.0

9.5

10.0

10.5

11.0

11.5

12.0

12.5

Jan‐10

Mar‐10

Apr‐10

Jun‐10

Aug‐10

Sep‐10

Nov‐10

Jan‐11

Feb‐11

Apr‐11

Jun‐11

Jul‐11

Sep‐11

Nov‐11

Dec‐11

Feb‐12

Mar‐12

May‐12

Jul‐12

Aug‐12

Oct‐12

Dec‐12

NAV/U

NIT (R

s)


Pen Apex Bal Benchmark



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

Products : AUM :

For New Dhruv Tara Products Rs. 24.68 Cr

Portfolio % to AUM

`


Gilts & SDL 22.59% 80% 100% 86.53%

GOI 14.97% 0% 20% 13.47%


State Govt ‐ Maharashtra 2.91%

SDL ‐ Andhra Pradesh 1.03%









Raymond Ltd. 4.18%



INDIVIDUAL PENSION FUND APEX BOND -DECEMBER, 2012

Benchmark :



DEBT

MM & Others

To aim for stable returns over medium to long term by judicious mix of investments in Government securities

and high quality corporate debt of varying maturities and also in money market instruments.

Asset Mix


Actual

Debt86.53%

MM & Others13.47%


Gilt26.11%

AA

AA+10.97%


TATA Sons 2.46%

MRF Ltd. 2.12%










MM & Others 13.47%

Total 100.00%

`

13.91%

7.28%

7.19%

4.88%

4.84%

4.39%

4.18%

4.13%

2.46%




Refinery



Other Textiles





9.86%

25.84%

10.38%

37.83%

16.08%


Debt86.53%

MM & Others13.47%


Gilt26.11%

AAA58.09%

AA4.83%

AA+10.97%


10.3

10.8

11.3

11.8

12.3

12.8

NAV/U

NIT (Rs)


Pen Apex Bond Benchmark

13.91%

7.28%

7.19%

4.88%

4.84%

4.39%

4.18%

4.13%

2.46%

2.12%




Refinery



Other Textiles



Tyres and Tubes



9.86%

25.84%

10.38%

37.83%

16.08%


Debt86.53%

MM & Others13.47%


Gilt26.11%

AAA58.09%

AA4.83%

AA+10.97%


9.8

10.3

10.8

11.3

11.8

12.3

12.8

Jan‐10

Mar‐10

Apr‐10

Jun‐10

Aug‐10

Sep‐10

Nov‐10

Jan‐11

Feb‐11

Apr‐11

Jun‐11

Jul‐11

Sep‐11

Nov‐11

Dec‐11

Feb‐12

Mar‐12

May‐12

Jul‐12

Aug‐12

Oct‐12

Dec‐12

NAV/U

NIT (Rs)


Pen Apex Bond Benchmark



April 29, 2011 ULIF 017 29/04/11 SUD‐LX‐BL1 142

Products : AUM :

For Dhan Suraksha Express Rs. 31.86 Cr

Portfolio % to AUM

`



HDFC Bank Ltd 1.92% 40% 100% 70.10%


ACC Limited 1.71%

Bajaj Auto Limited 1.67%HCL Technologies Ltd 1.43%Infosys Ltd 1.14%






Debt 61.54%

Gilts & SDL 8.81%

GOI 5.65%




Equity

Debt, MM & Others

EXPRESS BALANCED FUND - DECEMBER, 2012

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

Benchmark :




Actual

Debt61.54%

Equity29.90%

MM & Others8.56%


Gilt14.32%

AA+16.09%


p








National Bank For Agriculture And Rural Development 2.56%LIC Housing Finance Ltd 2.23%Larsen & Toubro Limited 1.88%MRF Ltd. 1.64%Tata Capital Financial Services Ltd 1.59%L & T Finance Ltd. 1.58%



MM & Others 8.56%

Total 100.00%

`

7.12%

6.75%

6.48%

5.83%

5.81%

5.55%

4.42%

4.11%






Banking Services


Computer software



8.69%5.95%

16.59%

52.80%

15.97%


Debt61.54%

Equity29.90%

MM & Others8.56%


Gilt14.32%

AAA68.27%

AA1.32%

AA+16.09%


10.2

10.4

10.6

10.8

11.0

11.2

11.4

11.6

NAV/U

NIT (Rs)


Exp Bal Benchmark

7.12%

6.75%

6.48%

5.83%

5.81%

5.55%

4.42%

4.11%

3.85%

3.79%






Banking Services


Computer software


Other Financial Services



8.69%5.95%

16.59%

52.80%

15.97%


Debt61.54%

Equity29.90%

MM & Others8.56%


Gilt14.32%

AAA68.27%

AA1.32%

AA+16.09%


9.6

9.8

10.0

10.2

10.4

10.6

10.8

11.0

11.2

11.4

11.6

Apr‐11

May‐11

Jun‐11

Jul‐11

Aug‐11

Sep‐11

Sep‐11

Oct‐11

Nov‐11

Dec‐11

Jan‐12

Jan‐12

Feb‐12

Mar‐12

Apr‐12

May‐12

Jun‐12

Jun‐12

Jul‐12

Aug‐12

Sep‐12

Oct‐12

Oct‐12

Nov‐12

Dec‐12

NAV/U

NIT (Rs)


Exp Bal Benchmark



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

Products : AUM :

For all Unit Linked products Rs. 70.4 Cr

Portfolio % to AUM

`

Minimum Maximum

MM & Others 100.00%


Actual

MM & Others 0% 100% 100.00%

DISCONTINUED POLICIES FUND - DECEMBER, 2012

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

rate of return. (Presently it is saving bank interest rate of SBI)

Benchmark :

Asset Mix


MM & Others100.00%


10.08

10.18

10.28

10.38

10.48

10.58

10.68

10.78

10.88

10.98

11.08

NAV/U

NIT (Rs)

NAV Performance (Since Nov 01, 2011)

Discontinued Fund Benchmark

MM & Others100.00%


9.98

10.08

10.18

10.28

10.38

10.48

10.58

10.68

10.78

10.88

10.98

11.08

Nov‐11

Dec‐11

Jan‐12

Feb‐12

Mar‐12

Apr‐12

May‐12

Jun‐12

Jul‐12

Aug‐12

Sep‐12

Oct‐12

Nov‐12

Dec‐12

NAV/U

NIT (Rs)

NAV Performance (Since Nov 01, 2011)

Discontinued Fund Benchmark

Risk Factors

• This document has been prepared for the purpose of providing general information

only.

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

products and are subject to various risk factors.

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

appetite and other aspects of their financial situation before making an investment

decision.

• Unit linked policies are subject to market risks associated with capital markets and

NAVs of units may go up or down based on the performance of fund and factors

influencing the capital market and the customers have to consider this aspect while

taking any decision.

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

investments made based on this document.

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

are not indicative of its future prospects or returns.

• All efforts have been made to ensure accuracy of the contents of this document,

however, SUD Life shall not be held responsible for any errors or omissions.

Disclaimers related to Benchmark Indices

CRISIL Composite Bond Index and CRISIL Liquid Fund Index

CRISIL has taken due care and caution in compilation of data. Information has been obtained by CRISIL

from sources it considers reliable. However, CRISIL does not guarantee the accuracy, adequacy or

completeness of the information and is not responsible for any errors or omissions or for the results

obtained from the use of such information. CRISIL is not responsible for any errors in data

reproduction. CRISIL especially states that it has no financial liability whatsoever to the subscribers/

users/ transmitters/ distributors of this bulletin.

S&P CNX NIFTY

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

“S&P®” and “Standard and Poor’s®” are trademarks of Standard & Poor’s Financial Services LLC, and have been licensed for use by India Index Services & Products Limited in connection with the S&P CNX Nifty Index.

Neither IISL nor S&P 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 S&P CNX Nifty Index or particularly in the ability of the said Index to track general stock market performance in India”.

my cover Updated - SUD Life Fact Sheet... · 2019-11-07 · October’ 2012 7.81 November’ 2012...

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Transcript of my cover Updated - SUD Life Fact Sheet... · 2019-11-07 · October’ 2012 7.81 November’ 2012...