fact sheet ver.02 - new logo - sud life sheet september...performance summary as on september 30...
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Fact Sheet
Trademark used under licence from respective owners.
September – 2016
InveSTAR
Trademark used under licence from respective owners.
Trademark used under license from respective owners.
MONTHLY REPORT –SEPTEMBER 2016
From the Desk of Chief Investment Officer…
OVERVIEW OF MARKET
On the global front, the Fed indicated higher probablity of rates hike this year while
ECB and BOJ kept rates at negative levels and maintained the supply of liquidity. On
domestic front, the Index of Industrial Production (IIP) for the month of July 2016 was
seen at -2.44% as compared to 1.95% in June 2016. The above normal monsoon in
July has affected manufacturing activity leading to the fall in IIP. Consumer Price
Index (CPI) decreased marginally to 5.05% in August 2016 from 6.07% in July, 2016.
This is due to moderation in food inflation to 5.83% from 7.96% in July, 2016.
India is uniquely placed as a domestic consumption economy with strong demand.
Further, soft commodity prices should continue to support the discretionary
consumption theme. Good monsoon and 7th Pay commission awards are proving to
be further triggers for this. With the passage of GST as well, overall tax rates on
consumer goods will be rationalized which will benefit both the end-consumer as well
as the companies.
During September 2016, Nifty closed 1.99% lower at 8,611 as against previous month
close of 8,786. For the month, sectors like Auto, Oil & Gas outperformed whereas
underperformance came by FMCG, Power, Capital goods and Telecom. FIIs
purchased equities aggregating to Rs. 10,443 Crores and Domestic Institutions
purchased equities aggregating to Rs. 3,841 Crores.
The Bond market remained strong in the month of Sept 2016, overall yields moved
downwards across the curve. The G-Sec 10 year benchmark (7.59% GOI 2026) bond
opened at 7.11% and closed 0.15% lower at 6.96% in the month of September 2016.
The newly issued 10 year security (6.97% GOI 2026) closed 0.15% lower from its
issuence yield at 6.82%.
FUND PERFORMANCE
During April to September 2016, majority of our Equity and Growth Funds
outperformed the respective benchmarks. For 3 years period ending September 2016,
most of these funds delivered positive annualized returns of arround 13-15%,
outperforming the Benchmark in most cases by about 0.5-2%.
Majority of Balanced Funds delivered about 11-14% annualized return over last 3
years period. Bond funds delivered about 10-11% annualized returns for the said
period. Fund wise performance is detailed in the following sheets.
FIXED INCOME OUTLOOK
G Sec yields are expected to inch lower over next few months on the back of
further monetary easing by RBI, inflation remaining below RBI’s trajectory,
OMO purchases for RBIs balance sheet expansion.
EQUITY OUTLOOK
Nifty is currently trading around 19.8x FY17 estimated earnings, which is little
higher than historical average. This quarter earnings are likely to be better due
to lower base and positve earnings momentum from domestic focussed
compaies.
Performance Summary as on September 30 2016
Scheme Name
SFIN
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
14.00%
13.95%
13.47%
1
2
3
4
5
6
7
8
9
10
7.92%
8.30%
20/01/2010 33.05 17.63
20/01/2010 35.40 17.67
Inception dateAUM (Rs.
Cr)
NAV
(Rs.)
8.69%
10.54%
10.21%
10.54%
10.21%
10.54%
10.54%
10.21%
14.10%
14.39%
13.32%
7.92%
8.30%
8.52%
2 Year (A) 3 Year Since Inception (A)
10.84%
15.44%15.52% 16.56%
8.83%
8.87%
14.00%
13.95%
9.24%
8.96%15.98%
4.49%
12.90%
14.00%
14.49%
4.49%
6.57%
15.44%
6 Month
10.78%
8.37%
9.50%
8.37%
9.50%
12.42% 7.89% 4.81%
11.00% 9.22% 6.34%
8.37%
9.50%
1 Year
10.18% 8.22%
9.79%
9.31%
20/01/2010 429.84 18.07 10.28% 10.24%9.47% 8.86% 14.33%
13.54% 12.48%
15.66%
4.49%
14.31%
31/03/2009 20.29 24.18 10.03%
20/01/2010 550.74
4.49%
6.57%
14.00%
13.95%
31/03/2009 20.41 27.29 11.68%
10.21%
7.99% 4.88% 15.12%
6.57% 13.95%
9.50% 6.57%18.16 11.78% 9.86% 7.29% 15.65%
20/01/2010 505.00 17.76 12.48% 8.58% 5.06%
7.88% 5.05%
8.37%
8.34% 5.44%
Absolute CAGR (Annualised)
18/02/2009 24.88 21.86 7.63% 8.83%
7.17% 15.43%
7.87% 11.42% 10.81%
25/02/2009 46.57 32.18 12.24%
25/02/2009 139.76 30.38 11.34% 8.89%
InveSTAR
Trademark used under licence from respective owners.
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
Total AUM 3030.24
NA 12.70% 12.77%
23 6/10/2015 9.87 11.12 7.46% 7.13% NA NA NA NA NA NA 11.16% 10.70%
21 29/1/2014 138.00 13.76 8.56% 8.69% 9.53% 10.78%
5.46% 4.74% NA10.16% 9.00% 8.38%
8.81% 9.79% NA
NA 13.69% 13.00%
20 29/1/2014 119.93 14.03 11.24% 10.21% 8.87% 9.50% 6.58% 6.57% NA NA 13.53% 13.40%
19 29/1/2014 123.73 14.09 12.24%
17
18
11.55%
12.90%
9.14%
11.55%
11.55%
11
12
13
14
15
16
8.53%
8.52%
8.53%
9.21%
11.12%
10.78%
10.91%
20/01/2010 197.72 17.28
8.63%
7.10%
8.69%
7.10%
7.10%
9.47%
7.10%
8.10%
10.62%
8.18%11.12%
03/06/2011 440.40 14.61 4.01% 7.77% 8.27%
29/04/2011 70.51 16.25 7.91%
20/01/2010 17.12 17.80 10.30%
20/01/2010 5.41 17.03 7.32%
8.47% 8.02%9.00%4.91% 9.05%
8.12% 14.13% 8.99%
11.17% 11.10% 8.28%
9.24% 8.92% 12.34% 9.35%
10.18%
11.12%
10.78%8.69%
8.22%
11.62%
9.79%
13.47%10.04%
6.93% 10.57% 11.27% 8.51%11.12% 11.62% 11.20%
10.53%
31/03/2009 3.85 17.80 6.56% 10.21% 10.63% 10.47% 7.99%
9.79%
11.62%
12.90%12.26%31/03/2009 11.73 21.20 8.62% 9.98% 8.76%
25/02/2009 9.90 17.94 6.77% 10.32% 10.79% 10.67% 8.06%11.62% 11.55%
10.96% 11.42% NA NA 11.24% 11.51%22 29/1/2014 76.11 13.29 6.87% 6.91% 10.17% 10.93%
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
Mapping of Funds and Products (Funds representing the underlying Products)
1
2
3
4
Product Name (UIN)
Dhan SurakshaDhan Suraksha
PremiumPrabhat Tara
6
7
8
9
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
Dhan
Suraksha Plus
Wealth Builder
Plan
EQUITY FUND
5
10
GROWTH FUND
BALANCED FUND
SUD Life
Group
Retirement
Trademark used under licence from respective owners.
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
Discontinued Life Policies Fund
ULIF 018 03/06/11 SUD‐UL‐DP1 142
20
22
13
14
15
17
18
19
11
12
16
DISCONTINUED FUND
BOND FUND
17
GROUP UNIT LINKED FUND
21
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
January 20, 2010 ULIF 009 20/01/10 SUD‐LA‐EQ1 142
Products: AUM :
Rs. 505.00 Cr
Portfolio % to AUM
`
Equity 92.18% Minimum Maximum
Infosys Technologies Ltd. 7.73% 80% 100% 92.18%
Reliance Industries Ltd 7.19% 0% 20% 7.82%
ITC Ltd. 6.10%
Larsen & Toubro Limited 5.87%
HDFC Bank Ltd 5.66%
Tata Motors Limited 5.26%
Housing Development Finance Corporation Ltd. 4.99%
ICICI Bank Ltd 4.96%
Tata Consultancy Services Limited 4.42%
Maruti Suzuki India Limited 3.89%
IndusInd Bank Limited 3.16%
Sun Pharmaceuticals Industries Ltd 3.02%
Axis Bank Limited 2.52%
Grasim Industries Ltd. 2.47%
Oil & Natural Gas Corpn Ltd 2.13%
Bajaj Auto Limited 2 13%
APEX EQUITY FUND -SEPTEMBER 2016
Equity
MM & Others
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 :
CNX Nifty Index ‐ 90%
CRISIL Liquid Fund Index ‐ 10%
MM & Others7.82%
Asset Allocation (% to AUM)
Bajaj Auto Limited 2.13%
Dr. Reddys Laboratories Ltd. 2.03%
Lupin Limited 1.84%
Ultratech Cement Ltd. 1.75%
Hero Motocorp Ltd. 1.71%
State Bank of India 1.67%
Power Grid Corporation of India Limited 1.67%
HCL Technologies Ltd 1.64%
Asian Paints Ltd. 1.36%
Mahindra & Mahindra Ltd. 1.28%
Zee Entertainment Enterprises Ltd 1.16%
ACC Limited 1.09%
Others (with < 1% exposure) 3.45%
MM & Others 7.82%
Total 100.00%
`
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionApex Equity Fund ‐1.25% 4.35% 12.48% 8.58% 5.06% 15.98% 8.96%
Benchmark ‐1.73% 3.70% 10.54% 8.37% 4.49% 14.00% 7.92%
Fund returns vis a vis BenchmarkAbsolute CAGR (Annualised)
23.01%
15.00%
10.42%
7.74%
7.41%
7.09%
6.10%
5.87%
4.34%
3.85%
Financial & Insurance Activities
Computer programming, consultancy and related activities
Manufacture of motor vehicles, trailers and semi‐trailers
Manufacture of coke and refined petroleum products
Other financial activities
Manufacture of pharmaceuticals,medicinal chemical and botanical products
Manufacture of tobacco products
Civil engineering
Manufacture of chemicals and chemical products
Manufacture of other transport equipment
Top 10 Industry Exposure ( % to AUM)
Equity92.18%
8.509.009.5010.0010.5011.0011.5012.0012.5013.0013.5014.0014.5015.0015.5016.0016.5017.0017.5018.0018.5019.0019.5020.0020.50
Jan‐10
Apr‐10
Jul‐10
Oct‐10
Jan‐11
Apr‐11
Jul‐11
Oct‐11
Jan‐12
Apr‐12
Jul‐12
Oct‐12
Jan‐13
Apr‐13
Jul‐13
Oct‐13
Dec‐13
Mar‐14
Jun‐14
Sep‐14
Dec‐14
Mar‐15
Jun‐15
Sep‐15
Dec‐15
Mar‐16
Jun‐16
Sep‐16
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
NAV Benchmark
Trademark used under licence from respective owners.
Investment Objective:
Date of Inception : SFIN No.
February 25, 2009 ULIF 002 25/02/09 SUD‐LI‐EQ1 142
Products : AUM:
Rs. 46.57 Cr
Portfolio % to AUM
`
Equity 93.02% Minimum Maximum
Infosys Technologies Ltd. 9.03% 80% 100% 93.02%
Reliance Industries Ltd 6.71% 0% 20% 6.98%
HDFC Bank Ltd 6.05%
ICICI Bank Ltd 5.25%
ITC Ltd. 5.25%
Larsen & Toubro Limited 5.04%
Tata Motors Limited 5.03%
Tata Consultancy Services Limited 3.74%
Sun Pharmaceuticals Industries Ltd 3.57%
Tata Power Co. Ltd. 3.36%
Maruti Suzuki India Limited 3.33%
Housing Development Finance Corporation Ltd. 3.20%
Axis Bank Limited 2.71%
Grasim Industries Ltd. 2.46%
Yes Bank Limited 2.10%
Power Grid Corporation of India Limited 2.00%
Lupin Limited 1.96%
Mahindra & Mahindra Ltd. 1.95%
State Bank of India 1.84%
To tap growth opportunities for long term capital appreciation through investments primarily in equity and
equity‐related instruments.
Investment PatternActual
Asset Mix
Particulars
Benchmark :
CNX Nifty Index ‐ 90%
CRISIL Liquid Fund Index ‐ 10%
For Dhan Suraksha, Dhan Suraksha Premium, Prabhat
Tara.
EQUITY FUND - SEPTEMBER 2016
Equity
MM & Others
Equity
MM & Others6.98%
Asset Allocation (% to AUM)
Oil & Natural Gas Corpn Ltd 1.73%
Dr. Reddys Laboratories Ltd. 1.67%
Bajaj Auto Limited 1.64%
Asian Paints Ltd. 1.55%
ACC Limited 1.46%
HCL Technologies Ltd 1.45%
IndusInd Bank Limited 1.41%
Others (with < 1% exposure) 7.52%
MM & Others 6.98%
Total 100.00%
`
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since Inception
Equity Fund ‐1.38% 4.12% 12.24% 8.34% 5.44% 15.52% 16.56%
Benchmark 1 73% 3 70% 10 54% 8 37% 4 49% 14 00% 15 44%
Fund returns vis a vis BenchmarkAbsolute CAGR (Annualised)
23.23%
15.69%
10.31%
8.48%
7.20%
5.92%
5.32%
5.25%
5.04%
2.24%
Financial & Insurance Activities
Computer programming, consultancy and related activities
Manufacture of motor vehicles, trailers and semi‐trailers
Manufacture of coke and refined petroleum products
Manufacture of pharmaceuticals,medicinal chemical and botanical products
Infrastructure
Manufacture of chemicals and chemical products
Manufacture of tobacco products
Civil engineering
Manufacture of other transport equipment
Top 10 Industry Exposure (% to AUM)
93.02%
9.50
11.00
12.50
14.00
15.50
17.00
18.50
20.00
21.50
23.00
24.50
26.00
27.50
29.00
30.50
32.00
33.50
Feb‐09
May‐09
Aug‐09
Nov‐09
Feb‐10
May‐10
Jul‐10
Oct‐10
Jan‐11
Apr‐11
Jul‐11
Sep‐11
Dec‐11
Mar‐12
Jun‐12
Sep‐12
Dec‐12
Feb‐13
May‐13
Aug‐13
Nov‐13
Feb‐14
May‐14
Jul‐14
Oct‐14
Jan‐15
Apr‐15
Jul‐15
Sep‐15
Dec‐15
Mar‐16
Jun‐16
Sep‐16
NAV/U
NIT (Rs)
NAV Performance (Since Inception)NAV Benchmark
Benchmark ‐1.73% 3.70% 10.54% 8.37% 4.49% 14.00% 15.44%
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
January 20, 2010 ULIF 013 20/01/10 SUD‐PA‐EQ1 142
Products : AUM :
Rs. 33.05 Cr
Portfolio % to AUM
`
Equity 92.39% Minimum Maximum
Reliance Industries Ltd 8.39% 80% 100% 92.39%
Infosys Technologies Ltd. 7.72% 0% 20% 7.61%
ITC Ltd. 6.39%
HDFC Bank Ltd 5.89%
Housing Development Finance Corporation Ltd. 5.34%
Larsen & Toubro Limited 5.25%
Tata Motors Limited 4.96%
Tata Consultancy Services Limited 4.35%
ICICI Bank Ltd 4.12%
Maruti Suzuki India Limited 3.81%
Sun Pharmaceuticals Industries Ltd 3.55%
IndusInd Bank Limited 3.50%
Axis Bank Limited 2.47%
Grasim Industries Ltd. 2.45%
Bajaj Auto Limited 2.31%
Dr. Reddys Laboratories Ltd. 2.14%
State Bank of India 2.09%
HCL Technologies Ltd 1.93%
Oil & Natural Gas Corpn Ltd 1.86%
Asian Paints Ltd 1 86%
INDIVIDUAL PENSION FUND APEX EQUITY - SEPTEMBER 2016
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
ParticularsInvestment Pattern
Actual
Benchmark :
CNX Nifty Index ‐ 90%
CRISIL Liquid Fund Index ‐ 10%
Equity
MM & Others7.61%
Asset Allocation (% to AUM)
Asian Paints Ltd. 1.86%
Hero Motocorp Ltd. 1.76%
Ultratech Cement Ltd. 1.75%
Power Grid Corporation of India Limited 1.71%
Lupin Limited 1.57%
Mahindra & Mahindra Ltd. 1.28%
ACC Limited 1.11%Others (with < 1% exposure) 2.82%
MM & Others 7.61%
Total 100.00%
`
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionIndividual Pension Fund ‐ Apex Equity ‐1.19% 4.49% 12.42% 7.89% 4.81% 15.44% 8.83%Benchmark ‐1.73% 3.70% 10.54% 8.37% 4.49% 14.00% 7.92%
Fund returns vis a vis BenchmarkAbsolute CAGR (Annualised)
23.42%
14.96%
10.05%
9.26%
7.26%
6.39%
6.05%
5.25%
4.31%
Financial & Insurance Activities
Computer programming, consultancy and related activities
Manufacture of motor vehicles, trailers and semi‐trailers
Manufacture of coke and refined petroleum products
Manufacture of pharmaceuticals,medicinal chemical and botanical products
Manufacture of tobacco products
Other financial activities
Civil engineering
Manufacture of chemicals and chemical products
Top 10 Industry Exposure ( % to AUM)
q y92.39%
9.009.50
10.0010.5011.0011.5012.0012.5013.0013.5014.0014.5015.0015.5016.0016.5017.0017.5018.0018.5019.0019.5020.00
Jan‐10
Apr‐10
Jul‐10
Oct‐10
Jan‐11
Apr‐11
Jul‐11
Oct‐11
Jan‐12
Apr‐12
Jul‐12
Oct‐12
Jan‐13
Apr‐13
Jul‐13
Oct‐13
Dec‐13
Mar‐14
Jun‐14
Sep‐14
Dec‐14
Mar‐15
Jun‐15
Sep‐15
Dec‐15
Mar‐16
Jun‐16
Sep‐16
NAV/U
NIT (R
s)
NAV Performance (Since Inception)
NAV Benchmark
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
March 31, 2009 ULIF 005 31/03/09 SUD‐PI‐EQ1 142
Products : AUM :
Rs. 20.41 Cr
Portfolio % to AUM
`
Equity 89.30% Minimum Maximum
Infosys Technologies Ltd. 7.57% 80% 100% 89.30%
HDFC Bank Ltd 7.26% 0% 20% 10.70%
Reliance Industries Ltd 6.91%
ICICI Bank Ltd 5.68%
ITC Ltd. 5.50%
Tata Motors Limited 5.17%
Larsen & Toubro Limited 4.93%
Tata Consultancy Services Limited 4.18%
Housing Development Finance Corporation Ltd. 3.88%
Sun Pharmaceuticals Industries Ltd 3.85%
Maruti Suzuki India Limited 3.39%
Axis Bank Limited 2.93%
Grasim Industries Ltd. 2.37%
Oil & Natural Gas Corpn Ltd 2.13%
Power Grid Corporation of India Limited 2.00%
Asian Paints Ltd. 1.99%
Lupin Limited 1.96%
Mahindra & Mahindra Ltd. 1.92%
INDIVIDUAL PENSION FUND EQUITY - SEPTEMBER 2016
MM & Others
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
Benchmark :
CNX Nifty Index ‐ 90%
CRISIL Liquid Fund Index ‐ 10%
MM & Others10.70%
Asset Allocation (% to AUM)
Yes Bank Limited 1.91%
HCL Technologies Ltd 1.80%
Bajaj Auto Limited 1.58%
Ultratech Cement Ltd. 1.13%
Dr. Reddys Laboratories Ltd. 1.07%
Indian Oil Corporation Ltd 1.00%Others (with < 1% exposure) 7.18%
MM & Others 10.70%
Total 100.00%
`
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionIndividual Pension Fund ‐ Equity ‐1.50% 4.03% 11.68% 7.99% 4.88% 15.12% 14.31%Benchmark ‐1.73% 3.70% 10.54% 8.37% 4.49% 14.00% 14.39%
Fund returns vis a vis BenchmarkAbsolute CAGR (Annualised)
22.60%
15.11%
10.49%
8.86%
7.35%
6.87%
5.50%
4.93%
4.89%
2.97%
Financial & Insurance Activities
Computer programming, consultancy and related activities
Manufacture of motor vehicles, trailers and semi‐trailers
Manufacture of coke and refined petroleum products
Other financial activities
Manufacture of pharmaceuticals,medicinal chemical and botanical products
Manufacture of tobacco products
Civil engineering
Manufacture of chemicals and chemical products
Infrastructure
Top 10 Industry Exposure ( % to AUM)
Equity89.30%
9.50
11.50
13.50
15.50
17.50
19.50
21.50
23.50
25.50
27.50
29.50
Mar‐09
Jun‐09
Sep‐09
Dec‐09
Mar‐10
Jun‐10
Sep‐10
Dec‐10
Mar‐11
Jun‐11
Aug‐11
Nov‐11
Feb‐12
May‐12
Aug‐12
Nov‐12
Feb‐13
May‐13
Aug‐13
Oct‐13
Jan‐14
Apr‐14
Jul‐14
Oct‐14
Jan‐15
Apr‐15
Jul‐15
Oct‐15
Dec‐15
Mar‐16
Jun‐16
Sep‐16
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
NAV Benchmark
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
January 29, 2014 ULIF 019 11/12/13 SUD‐LI‐EQ2 142
Products : AUM :
Rs. 123.73 Cr
Portfolio % to AUM
Equity 84.17% Minimum Maximum
Infosys Technologies Ltd. 6.82% 70% 100% 84.17%
HDFC Bank Ltd 5.73% 0% 30% 15.83%
Reliance Industries Ltd 5.17%
ICICI Bank Ltd 5.11%
Tata Motors Limited 4.81%
ITC Ltd. 4.56%
Larsen & Toubro Limited 4.55%
Lupin Limited 3.32%
Tata Consultancy Services Limited 3.16%
Sun Pharmaceuticals Industries Ltd 2.92%
Maruti Suzuki India Limited 2.88%
Axis Bank Limited 2.53%
IndusInd Bank Limited 2.49%
Grasim Industries Ltd. 2.37%
Oil & Natural Gas Corpn Ltd 2.24%
Housing Development Finance Corporation Ltd. 2.17%
Mahindra & Mahindra Ltd. 1.87%
Power Grid Corporation of India Limited 1.77%
Dr Reddys Laboratories Ltd 1 65%
INDIVIDUAL BLUE CHIP EQUITY - SEPTEMBER 2016
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 :
CNX Nifty Index ‐ 85%
CRISIL Liquid Fund Index ‐ 15%
ParticularsInvestment Pattern
Actual
Equity
MM & Others15.83%
Asset Allocation (% to AUM)
Dr. Reddys Laboratories Ltd. 1.65%
State Bank of India 1.43%
Yes Bank Limited 1.42%
Ultratech Cement Ltd. 1.35%
Bajaj Auto Limited 1.27%
Kotak Mahindra Bank Limited 1.22%
HCL Technologies Ltd 1.09%Others (with < 1% exposure) 10.27%
MM & Others 15.83%
Total 100.00%
`
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionBluechip Equity Fund ‐1.36% 3.82% 12.24% 9.00% 5.46% NA 13.69%Benchmark ‐1.60% 3.60% 10.16% 8.38% 4.74% NA 13.00%
Fund returns vis a vis BenchmarkAbsolute CAGR (Annualised)
22.10%
12.88%
12.83%
9.57%
7.88%
6.17%
5.02%
4.56%
4.55%
Financial & Insurance Activities
Other financial activities
Computer programming, consultancy and related activities
Manufacture of motor vehicles, trailers and semi‐trailers
Manufacture of pharmaceuticals,medicinal chemical and botanical products
Manufacture of coke and refined petroleum products
Manufacture of chemicals and chemical products
Manufacture of tobacco products
Civil engineering
Top 10 Industry Exposure ( % to AUM)
Equity84.17%
9.50
10.00
10.50
11.00
11.50
12.00
12.50
13.00
13.50
14.00
14.50
15.00
Jan‐…
Mar…
Apr‐…
May…
Jun‐…
Jul‐14
Sep‐ …
Oct‐…
Nov…
Dec…
Jan‐…
Mar…
Apr‐…
May…
Jun‐…
Jul‐15
Aug …
Oct‐…
Nov…
Dec…
Jan‐…
Feb‐…
Mar…
May…
Jun‐…
Jul‐16
Aug …
Sep‐…
NAV/U
NIT (Rs)
NAV Performance (Since Inception)NAV Benchmark
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
January 20, 2010 ULIF 010 20/01/10 SUD‐LA‐GR1 142
Products : AUM :
Rs. 550.74 Cr
Portfolio % to AUM
`
Equity 68.83% Minimum Maximum
Infosys Technologies Ltd. 5.29% 55% 85% 68.83%
Reliance Industries Ltd 4.79% 15% 45% 31.17%
HDFC Bank Ltd 4.21%
Larsen & Toubro Limited 4.13%
ICICI Bank Ltd 4.04%
ITC Ltd. 4.02%
Tata Motors Limited 3.90%
Tata Consultancy Services Limited 3.14%
Housing Development Finance Corporation Ltd. 2.95%
Maruti Suzuki India Limited 2.71%
Axis Bank Limited 2.68%
IndusInd Bank Limited 2.43%
Sun Pharmaceuticals Industries Ltd 2.21%
Grasim Industries Ltd. 2.12%
Yes Bank Limited 1.76%
Oil & Natural Gas Corpn Ltd 1.63%
Power Grid Corporation of India Limited 1.59%
State Bank of India 1.56%
Lupin Limited 1.48%
Mahindra & Mahindra Ltd. 1.24%
HCL Technologies Ltd 1.24%
Dr. Reddys Laboratories Ltd. 1.21%
Bajaj Auto Limited 1.11%
Others (with < 1% exposure) 7.38%
APEX GROWTH FUND - SEPTEMBER 2016
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.
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 :
CNX Nifty Index ‐ 70%
CRISIL Composite Bond Index ‐ 30%
Debt27.59%
Equity67.33%
MM & Others2.37%
Asset Allocation (% to AUM)
AAA37.33%
Gilts45.98%
Debt Rating Profile (% of Debt)
Debt 28.80%
Gilts & SDL 13.24%
GOI 11.74%
SDL (with < 1% exposure) 1.50%
Corporate Bonds 15.56%
POWER GRID CORPORATION OF INDIA LTD 2.28%
POWER FINANCE CORPORATION LTD. 1.47%
RURAL ELECTRIFICATION CORPORATION L 1.39%
LIC HOUSING FINANCE LTD 1.21%
HDFC LTD. 1.03%
SUNDARAM FINANCE LTD. 1.01%
Others (with < 1% exposure) 7.16%
MM & Others 2.37%
Total 100.00%
`
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionApex Growth Fund ‐0.78% 4.54% 11.78% 9.86% 7.29% 15.65% 9.31%Benchmark ‐1.00% 4.24% 10.21% 9.50% 6.57% 13.95% 8.30%
Fund returns vis a vis BenchmarkAbsolute CAGR (Annualised)
23.15%
11.09%
8.87%
7.85%
6.80%
5.08%
4.24%
4.13%
4.02%
2.24%
Financial & Insurance Activities
Computer programming, consultancy and related activities
Infrastructure
Manufacture of motor vehicles, trailers and semi‐trailers
Manufacture of coke and refined petroleum products
Manufacture of pharmaceuticals,medicinal chemical and botanical products
Manufacture of chemicals and chemical products
Civil engineering
Manufacture of tobacco products
Housing Sector
Top 10 Industry Exposure ( % to AUM)
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
5.10%
10.62%
14.17%
42.47%
27.64%
Debt Maturity Profile ( % of Debt)
AA+9.55%AA
3.94%AA‐3.21%
Modified Duration ‐ 4.91 yrs
9.50
10.50
11.50
12.50
13.50
14.50
15.50
16.50
17.50
18.50
19.50
Jan‐10
Apr‐10
Jul‐10
Oct‐10
Jan‐11
Apr‐11
Jul‐11
Oct‐11
Jan‐12
Apr‐12
Jul‐12
Oct‐12
Jan‐13
Apr‐13
Jul‐13
Oct‐13
Dec‐13
Mar‐14
Jun‐14
Sep‐14
Dec‐14
Mar‐15
Jun‐15
Sep‐15
Dec‐15
Mar‐16
Jun‐16
Sep‐16
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
NAV Benchmark
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
February 25, 2009 ULIF 003 25/02/09 SUD‐LI‐GR1 142
Products : AUM:
Rs. 139.76 Cr
Portfolio % to AUM
`
Equity 70.87% Minimum Maximum
Infosys Technologies Ltd. 5.39% 40% 100% 70.87%
HDFC Bank Ltd 5.27% 0% 60% 29.13%
Housing Development Finance Corporation Ltd. 4.84%
ITC Ltd. 4.19%
ICICI Bank Ltd 4.03%
Reliance Industries Ltd 3.83%
Tata Motors Limited 3.68%
Larsen & Toubro Limited 3.66%
Tata Consultancy Services Limited 2.90%
Axis Bank Limited 2.81%
Maruti Suzuki India Limited 2.70%
IndusInd Bank Limited 2.70%
Oil & Natural Gas Corpn Ltd 2.32%
Sun Pharmaceuticals Industries Ltd 2.01%
Grasim Industries Ltd. 1.88%
HCL Technologies Ltd 1.66%
Bajaj Auto Limited 1.62%
State Bank of India 1.57%
Mahindra & Mahindra Ltd. 1.46%
Lupin Limited 1.44%
Power Grid Corporation of India Limited 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.
Investment PatternActual
Asset Mix
Particulars
For Dhan Suraksha, Dhan Suraksha Premium, Prabhat
Tara & Dhan Suraksha Express.
Benchmark :
CNX Nifty Index ‐ 70%
CRISIL Composite Bond Index ‐ 30%
GROWTH FUND - SEPTEMBER 2016
AAA26.61%
Gilts56 17%
Debt Rating Profile (% of Debt)
Debt, 26.52%
Equity, 70.87%
MM & Others, 2.62%
Asset Allocation (% to AUM)
Hero Motocorp Ltd. 1.32%
Dr. Reddys Laboratories Ltd. 1.26%
Zee Entertainment Enterprises Ltd 1.13%
Kotak Mahindra Bank Limited 1.11%
Others (with < 1% exposure) 4.66%
Debt 26.52%
Gilts & SDL 14.89%
GOI 13.36%
SDL MAHARASHTRA 1.21%
SDL (with < 1% exposure) 0.32%
Corporate Bonds 11.62%
STEEL AUTHORITY OF INDIA LTD. 2.38%
RELIANCE PORTS & TERMINALS LTD. 2.00%
POWER FINANCE CORPORATION LTD. 1.59%
THE INDIAN HOTELS COMPANY LTD. 1.44%
Others (with < 1% exposure) 4.22%
MM & Others 2.62%
Total 100.00%
`
22.94%
10.90%
7.85%
5.57%
5.42%
4.71%
4.19%
4.03%
3.12%
2.94%
Financial & Insurance Activities
Computer programming, consultancy and related activities
Manufacture of motor vehicles, trailers and semi‐trailers
Infrastructure
Manufacture of coke and refined petroleum products
Manufacture of pharmaceuticals,medicinal chemical and botanical products
Manufacture of tobacco products
Civil engineering
Manufacture of Basic Metals
Manufacture of other transport equipment
Top 10 Industry Exposure ( % to AUM)< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
7.07%9.11%
17.90%
34.41%
31.51%
Debt Maturity Profile ( % of Debt)
AA14.39%
AA‐2.82%
56.17%
9.0010.5012.0013.5015.0016.5018.0019.5021.0022.5024.0025.5027.0028.5030.00
Feb‐09
May‐09
Aug‐09
Nov‐09
Feb‐10
May‐10
Jul‐10
Oct‐10
Jan‐11
Apr‐11
Jul‐11
Sep‐11
Dec‐11
Mar‐12
Jun‐12
Sep‐12
Dec‐12
Feb‐13
May‐13
Aug‐13
Nov‐13
Feb‐14
May‐14
Jul‐14
Oct‐14
Jan‐15
Apr‐15
Jul‐15
Sep‐15
Dec‐15
Mar‐16
Jun‐16
Sep‐16
NAV/U
NIT (R
s)
NAV Performance (Since Inception)NAV Benchmark
Modified Duration ‐ 4.99 yrs
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionGrowth Fund ‐0.77% 4.45% 11.34% 8.89% 7.17% 15.43% 15.66%Benchmark ‐1.00% 4.24% 10.21% 9.50% 6.57% 13.95% 14.10%
Fund returns vis a vis BenchmarkAbsolute CAGR (Annualised)
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
January 20, 2010 ULIF 014 20/01/10 SUD‐PA‐GR1 142
Products : AUM :
Rs. 35.40 Cr
Portfolio % to AUM
`
Equity 68.48% Minimum Maximum
Infosys Technologies Ltd. 5.90% 55% 85% 68.48%
Reliance Industries Ltd 5.56% 15% 45% 31.52%
HDFC Bank Ltd 5.41%
ITC Ltd. 4.44%
Tata Consultancy Services Limited 4.08%
Larsen & Toubro Limited 4.03%
Tata Motors Limited 3.99%
ICICI Bank Ltd 3.65%
Maruti Suzuki India Limited 2.94%
Axis Bank Limited 2.91%
Housing Development Finance Corporation Ltd. 2.76%
Sun Pharmaceuticals Industries Ltd 2.62%
Grasim Industries Ltd. 2.41%
IndusInd Bank Limited 1.99%
Oil & Natural Gas Corpn Ltd 1.83%
Yes Bank Limited 1.77%
Lupin Limited 1.73%
Power Grid Corporation of India Limited 1.55%
State Bank of India 1.31%
Mahindra & Mahindra Ltd. 1.19%
Bajaj Auto Limited 1.16%
HCL Technologies Ltd 1.01%
INDIVIDUAL PENSION FUND APEX GROWTH - SEPTEMBER 2016
Equity
For New Dhruv Tara Products
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
ParticularsInvestment Pattern
Actual
Benchmark :
CNX Nifty Index ‐ 70%
CRISIL Composite Bond Index ‐ 30%
Debt28.21%
Equity68.48%
MM & Others3.31%
Asset Allocation (% to AUM)
AAA46.20%
Debt Rating Profile (% of Debt)
Others (with < 1% exposure) 4.25%
Debt 28.21%
Gilts & SDL 10.81%
GOI 7.78%
SDL ‐ TAMIL NADU 3.03%SDL (with < 1% exposure) 0.00%
Corporate Bonds 17.41%
RELIANCE PORTS & TERMINALS LTD. 5.05%
LIC HOUSING FINANCE LTD 3.55%
STEEL AUTHORITY OF INDIA LTD. 2.89%
RELIANCE GAS TRANSPORTN INFRA LTD. 1.57%
HINDALCO INDUSTRIES LTD. 1.48%
RELIANCE CAPITAL LTD. 1.43%
HDB FINANCIAL SERVICES LTD 1.43%Others (with < 1% exposure) 0.00%
MM & Others 3.31%
Total 100.00%
`
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionIndividual Pension Fund ‐ Apex Growth ‐0.81% 4.04% 11.00% 9.22% 6.34% 14.49% 8.87%Benchmark ‐1.00% 4.24% 10.21% 9.50% 6.57% 13.95% 8.30%
Fund returns vis a vis BenchmarkAbsolute CAGR (Annualised)
23.31%
11.60%
8.85%
8.12%
6.37%
5.23%
4.44%
4.37%
4.03%
3.55%
Financial & Insurance Activities
Computer programming, consultancy and related activities
Infrastructure
Manufacture of motor vehicles, trailers and semi‐trailers
Manufacture of coke and refined petroleum products
Manufacture of pharmaceuticals,medicinal chemical and botanical products
Manufacture of tobacco products
Manufacture of Basic Metals
Civil engineering
Housing Sector
Top 10 Industry Exposure ( % to AUM)
< 1 year 3‐5 years 5‐10 years > 10 years
10.15%
46.31%
35.47%
8.08%
Debt Maturity Profile ( % of Debt)
AA10.26%
AA‐5.24%
Gilts38.30%
9.00
10.50
12.00
13.50
15.00
16.50
18.00
19.50
21.00
22.50
Jan‐10
Apr‐10
Jul‐10
Oct‐10
Jan‐11
Apr‐11
Jul‐11
Oct‐11
Jan‐12
Apr‐12
Jul‐12
Oct‐12
Jan‐13
Apr‐13
Jul‐13
Oct‐13
Dec‐13
Mar‐14
Jun‐14
Sep‐14
Dec‐14
Mar‐15
Jun‐15
Sep‐15
Dec‐15
Mar‐16
Jun‐16
Sep‐16
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
NAV Benchmark
Modified Duration ‐ 3.44 yrs
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
March 31, 2009 ULIF 006 31/03/09 SUD‐PI‐GR1 142
Products : AUM :
Rs. 20.29 Cr
Portfolio % to AUM
`
Equity 68.53% Minimum Maximum
Housing Development Finance Corporation Ltd. 5.87% 40% 100% 68.53%
Infosys Technologies Ltd. 5.40% 0% 60% 31.47%
ICICI Bank Ltd 4.90%
ITC Ltd. 4.46%
Tata Consultancy Services Limited 4.44%
Reliance Industries Ltd 4.22%
IndusInd Bank Limited 3.79%
Larsen & Toubro Limited 3.60%
HDFC Bank Ltd 3.51%
Tata Motors Limited 3.44%
Sun Pharmaceuticals Industries Ltd 2.90%
Maruti Suzuki India Limited 2.70%
Axis Bank Limited 2.67%
Mahindra & Mahindra Ltd. 2.07%
State Bank of India 2.03%
HCL Technologies Ltd 1.99%
Grasim Industries Ltd. 1.87%
Zee Entertainment Enterprises Ltd 1.35%
Ultratech Cement Ltd. 1.33%
Power Grid Corporation of India Limited 1.31%
Hero Motocorp Ltd. 1.24%
Oil & Natural Gas Corpn Ltd 1.08%
Others (with < 1% exposure) 2.36%
Debt 24.77%
Equity
Debt, MM & Others
ParticularsInvestment Pattern
Actual
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
For Dhruv Tara Products
Benchmark :
CNX Nifty Index ‐ 70%
CRISIL Composite Bond Index ‐ 30%
INDIVIDUAL PENSION FUND GROWTH - SEPTEMBER 2016
AAA41.78%
Debt Rating Profile (% of Debt)
Debt24.77%
Equity68.53%
MM & Others6.70%
Asset Allocation (% to AUM)
Debt 24.77%
Gilts & SDL 10.45%
GOI 6.37%
SDL ‐ KERALA 2.73%
SDL MAHARASHTRA 1.36%
SDL (with < 1% exposure) 0.00%
Corporate Bonds 14.32%
INDIAN OIL CORPORATION LTD 4.20%
THE INDIAN HOTELS COMPANY LTD. 3.97%
THE GREAT EASTERN SHIPPING CO. LTD. 3.66%
RELIANCE GAS TRANSPORTN INFRA LTD. 1.59%Others (with < 1% exposure) 0.91%
MM & Others 6.70%
Total 100.00%
`
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionI di id l P i F d G th 0 90% 3 89% 10 03% 7 88% 5 05% 13 54% 12 48%
Fund returns vis a vis BenchmarkAbsolute CAGR (Annualised)
23.18%
11.83%
8.42%
8.21%
4.46%
3.97%
3.78%
3.66%
3.60%
2.89%
Financial & Insurance Activities
Computer programming, consultancy and related activities
Manufacture of coke and refined petroleum products
Manufacture of motor vehicles, trailers and semi‐trailers
Manufacture of tobacco products
Accommodation
Manufacture of pharmaceuticals,medicinal chemical and botanical products
Water transport
Civil engineering
Infrastructure
Top 10 Industry Exposure ( % to AUM)
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
16.02%
29.61%
10.55%
24.56%
19.26%
Debt Maturity Profile ( % of Debt)
AA16.02%
Gilts42.19%
9.00
10.50
12.00
13.50
15.00
16.50
18.00
19.50
21.00
22.50
24.00
Mar‐09
Jul‐09
Oct‐09
Jan‐10
Apr‐10
Jul‐10
Oct‐10
Jan‐11
Apr‐11
Jul‐11
Oct‐11
Jan‐12
May‐12
Aug‐12
Nov‐12
Feb‐13
May‐13
Aug‐13
Nov‐13
Feb‐14
May‐14
Aug‐14
Nov‐14
Mar‐15
Jun‐15
Sep‐15
Dec‐15
Mar‐16
Jun‐16
Sep‐16
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
NAV Benchmark
Modified Duration ‐ 2.82 yrs
Individual Pension Fund ‐ Growth ‐0.90% 3.89% 10.03% 7.88% 5.05% 13.54% 12.48%Benchmark ‐1.00% 4.24% 10.21% 9.50% 6.57% 13.95% 13.32%
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
January 29, 2014 ULIF 023 11/12/13 SUD‐LI‐GR2 142
Products : AUM:
Rs. 119.93 Cr
Portfolio % to AUM
`
Equity 67.59% Minimum Maximum
Infosys Technologies Ltd. 5.85% 40% 100% 67.59%
Housing Development Finance Corporation Ltd. 4.84% 0% 60% 25.76%
ICICI Bank Ltd 4.60% 0% 30% 6.65%
Larsen & Toubro Limited 4.31%
HDFC Bank Ltd 4.18%
ITC Ltd. 3.69%
Reliance Industries Ltd 3.62%
Tata Motors Limited 3.46%
Axis Bank Limited 2.96%
IndusInd Bank Limited 2.51%
Tata Consultancy Services Limited 1.83%
Dr. Reddys Laboratories Ltd. 1.83%
Bajaj Auto Limited 1.82%
Grasim Industries Ltd. 1.74%
Sun Pharmaceuticals Industries Ltd 1.60%
Maruti Suzuki India Limited 1.46%
Oil & Natural Gas Corpn Ltd 1.44%
Power Grid Corporation of India Limited 1.39%
State Bank of India 1.37%
Zee Entertainment Enterprises Ltd 1.32%
Lupin Limited 1.31%
CNX Nifty Index ‐ 70%
CRISIL Composite Bond Index ‐ 30%
For Dhan Suraksha Plus & Wealth Builder Plan.
Asset Mix
ParticularsInvestment Pattern
Actual
MM & Others
Equity
Debt
Benchmark :
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.
GROWTH PLUS FUND - SEPTEMBER 2016
AAA25.79%
Debt Rating Profile (% of Debt)
Debt25.76%
Equity67.59%
MM & Others6.65%
Asset Allocation (% to AUM)
Mahindra & Mahindra Ltd. 1.20%
Asian Paints Ltd. 1.09%
Hero Motocorp Ltd. 1.08%
Others (with < 1% exposure) 7.10%
Debt 25.76%
Gilts & SDL 17.40%
GOI 16.28%
SDL (with < 1% exposure) 1.12%
Corporate Bonds 8.35%
HDFC LTD. 2.46%
POWER FINANCE CORPORATION LTD. 1.95%
RURAL ELECTRIFICATION CORPORATION L 1.30%
Others (with < 1% exposure) 2.64%
MM & Others 6.65%
Total 100.00%
`
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionCAGR (Annualised)
Fund returns vis a vis BenchmarkAbsolute
22.07%
8.53%
7.14%
6.12%
5.51%
4.31%
4.20%
3.71%
3.69%
2.91%
Financial & Insurance Activities
Computer programming, consultancy and related activities
Infrastructure
Manufacture of motor vehicles, trailers and semi‐trailers
Manufacture of pharmaceuticals,medicinal chemical and botanical products
Civil engineering
Manufacture of coke and refined petroleum products
Manufacture of chemicals and chemical products
Manufacture of tobacco products
Manufacture of other transport equipment
Top 10 Industry Exposure ( % to AUM)
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
3.29%8.39% 11.84%
54.12%
22.36%
Debt Maturity Profile ( % of Debt)
Modified Duration ‐ 4.64 yrs
AA+5.01%
AA‐1.64%
Gilts67.56%
9.50
10.00
10.50
11.00
11.50
12.00
12.50
13.00
13.50
14.00
14.50
15.00
Jan‐14
Mar‐14
Apr‐14
May‐14
Jun‐14
Jul‐14
Aug‐14
Sep‐14
Oct‐14
Nov‐14
Dec‐14
Jan‐15
Feb‐15
Mar‐15
Apr‐15
May‐15
Jun‐15
Jul‐15
Aug‐15
Sep‐15
Oct‐15
Nov‐15
Dec‐15
Jan‐16
Feb‐16
Mar‐16
Apr‐16
May‐16
Jun‐16
Jul‐16
Aug‐16
Sep‐16
NAV/U
NIT (R
s)
NAV Performance (Since Inception)
NAV Benchmark
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionGrowth Plus Fund ‐0.86% 4.15% 11.24% 8.87% 6.58% NA 13.53%
Benchmark ‐1.00% 4.24% 10.21% 9.50% 6.57% NA 13.40%
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
January 20, 2010 ULIF 011 20/01/10 SUD‐LA‐BL1 142
Products : AUM :
Rs. 429.84Cr
Portfolio % to AUM
`
Equity 50.34% Minimum Maximum
Infosys Technologies Ltd. 3.93% 35% 65% 50.34%
HDFC Bank Ltd 3.66% 35% 65% 49.66%
ICICI Bank Ltd 3.44%
Housing Development Finance Corporation Ltd. 3.40%
Reliance Industries Ltd 3.26%
ITC Ltd. 2.80%
Tata Motors Limited 2.66%
Larsen & Toubro Limited 2.57%
Tata Consultancy Services Limited 2.12%
Axis Bank Limited 2.01%
Maruti Suzuki India Limited 1.66%
IndusInd Bank Limited 1.61%
Oil & Natural Gas Corpn Ltd 1.60%
Sun Pharmaceuticals Industries Ltd 1.53%
Grasim Industries Ltd. 1.52%
State Bank of India 1.31%
Yes Bank Limited 1.26%
Power Grid Corporation of India Limited 1.12%
Others (with < 1% exposure) 8.89%
Debt 45.98%
Gilts & SDL 20.90%
GOI 14.83%
SDL ‐ TAMIL NADU 3.51%
SDL MAHARASHTRA 1 40%
APEX BALANCED FUND - SEPTEMBER 2016
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 :
CNX Nifty Index ‐ 50%
CRISIL Composite Bond Index ‐ 50%
Investment PatternActual
Asset Mix
Particulars
Debt45.98%
Equity50.34%
MM & Others3.68%
Asset Allocation( % to AUM)
AAA38.30%
Gilts45.45%
Debt Rating Profile (% of Debt)
SDL MAHARASHTRA 1.40%
SDL (with < 1% exposure) 1.15%
Corporate Bonds 25.08%
POWER GRID CORPORATION OF INDIA LTD 3.11%
LIC HOUSING FINANCE LTD 2.18%
POWER FINANCE CORPORATION LTD. 2.11%
RELIANCE PORTS & TERMINALS LTD. 1.56%
HDFC LTD. 1.51%
RURAL ELECTRIFICATION CORPORATION L 1.47%
HINDALCO INDUSTRIES LTD. 1.34%
UNITED PHOSPHORUS LTD. 1.24%
M & M FINANCIAL SERVICES LTD. 1.20%
HINDUSTAN PETROLEUM CORPORATION LTD 1.19%
IL & FS LTD. 1.16%
Others (with < 1% exposure) 7.04%
MM & Others 3.68%
Total 100.00%
`
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionApex Balanced Fund ‐0.22% 4.55% 10.28% 10.24% 8.86% 14.33% 9.24%
Fund returns vis a vis BenchmarkAbsolute CAGR (Annualised)
23.18%
11.39%
7.97%
5.14%
4.88%
3.68%
3.36%
3.35%
3.05%
2.80%
Financial & Insurance Activities
Infrastructure
Computer programming, consultancy and related activities
Manufacture of motor vehicles, trailers and semi‐trailers
Manufacture of coke and refined petroleum products
Housing Sector
Manufacture of pharmaceuticals,medicinal chemical and botanical products
Civil engineering
Manufacture of chemicals and chemical products
Manufacture of tobacco products
Top 10 Industry Exposure ( % to AUM)
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
4.86%
12.64% 12.37%
49.40%
20.73%
Debt Maturity Profile ( % of Debt)
AA+9.28%
AA1.33%
AA‐5.64%
9.00
10.00
11.00
12.00
13.00
14.00
15.00
16.00
17.00
18.00
19.00
Jan‐10
Apr‐10
Jul‐10
Oct‐10
Jan‐11
Apr‐11
Jul‐11
Oct‐11
Jan‐12
Apr‐12
Jul‐12
Oct‐12
Jan‐13
Apr‐13
Jul‐13
Oct‐13
Dec‐13
Mar‐14
Jun‐14
Sep‐14
Dec‐14
Mar‐15
Jun‐15
Sep‐15
Dec‐15
Mar‐16
Jun‐16
Sep‐16
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
NAV Benchmark
Modified Duration ‐ 4.59 yrs
Benchmark ‐0.34% 4.45% 9.47% 10.18% 8.22% 13.47% 8.52%
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
February 18, 2009 ULIF 001 18/02/09 SUD‐LI‐BL1 142
Products : AUM :
Rs. 24.88 Cr
Portfolio % to AUM
`
Equity 27.98% Minimum Maximum
Infosys Technologies Ltd. 2.19% 0% 60% 27.98%
Housing Development Finance Corporation Ltd. 1.87% 40% 100% 72.02%
ICICI Bank Ltd 1.86%
Tata Consultancy Services Limited 1.66%
ITC Ltd. 1.57%
Larsen & Toubro Limited 1.54%
HDFC Bank Ltd 1.54%
Axis Bank Limited 1.52%
Tata Motors Limited 1.41%
State Bank of India 1.27%
Reliance Industries Ltd 1.27%
Asian Paints Ltd. 1.26%
Maruti Suzuki India Limited 1.10%
Sun Pharmaceuticals Industries Ltd 1.05%Others (with < 1% exposure) 6.88%
Debt 62.84%
Gilts & SDL 32.10%
GOI 29.83%
SDL MAHARASHTRA 2.27%
SDL (with < 1% exposure) 0.00%
Corporate Bonds 30.74%
BALANCED FUND - SEPTEMBER 2016
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.
Investment PatternActual
Asset Mix
Particulars
For Dhan Suraksha, Dhan Suraksha Premium, Prabhat
Tara.
Benchmark :
CNX Nifty Index ‐ 30%
CRISIL Composite Bond Index ‐ 70%
Debt62.84%
Equity27.98%
MM & Others9.17%
Asset Allocation (% to AUM)
AAA32.69%
Gilts51.08%
Debt Rating Profile (% of Debt)
THE INDIAN HOTELS COMPANY LTD. 5.26%STEEL AUTHORITY OF INDIA LTD. 4.94%THE GREAT EASTERN SHIPPING CO. LTD. 4.26%
LIC HOUSING FINANCE LTD 3.77%
LARSEN & TOUBRO LTD. 3.33%
INDIAN OIL CORPORATION LTD 2.57%
HDB FINANCIAL SERVICES LTD 2.04%
RELIANCE PORTS & TERMINALS LTD. 1.35%
POWER FINANCE CORPORATION LTD. 1.28%
IRFC LTD. 1.28%
Others (with < 1% exposure) 0.66%
MM & Others 9.17%
Total 100.00%
`
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since Inception
Balanced Fund 0 10% 3 52% 7 63% 8 83% 7 87% 11 42% 10 81%
Fund returns vis a vis BenchmarkAbsolute CAGR (Annualised)
11.61%
6.03%
5.26%
4.94%
4.88%
4.69%
4.45%
4.26%
3.85%
3.77%
Financial & Insurance Activities
Other financial activities
Accommodation
Manufacture of Basic Metals
Civil engineering
Infrastructure
Manufacture of coke and refined petroleum products
Water transport
Computer programming, consultancy and related activities
Housing Sector
Top 10 Industry Exposure ( % to AUM)
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
11.61%
21.57%
14.69%
30.57%
21.55%
Debt Maturity Profile (% of Debt)
AA16.23%
9.5010.0010.5011.0011.5012.0012.5013.0013.5014.0014.5015.0015.5016.0016.5017.0017.5018.0018.5019.0019.5020.0020.5021.0021.5022.0022.5023.00
Feb‐09
May‐09
Aug‐09
Nov‐09
Jan‐10
Apr‐10
Jul‐10
Oct‐10
Jan‐11
Apr‐11
Jun‐11
Sep‐11
Dec‐11
Mar‐12
Jun‐12
Aug‐12
Nov‐12
Feb‐13
May‐13
Aug‐13
Nov‐13
Jan‐14
Apr‐14
Jul‐14
Oct‐14
Jan‐15
Apr‐15
Jun‐15
Sep‐15
Dec‐15
Mar‐16
Jun‐16
Sep‐16
NAV/U
NIT (Rs)
NAV Performance (Since Inception)NAV Benchmark
Modified Duration ‐ 3.81 yrs
Balanced Fund 0.10% 3.52% 7.63% 8.83% 7.87% 11.42% 10.81%
Benchmark 0.32% 4.65% 8.69% 10.78% 9.79% 12.90% 10.84%
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
January 20, 2010 ULIF 015 20/01/10 SUD‐PA‐BL1 142
Products : AUM :
Rs. 17.12 Cr
Portfolio % to AUM
`
Equity 47.80% Minimum Maximum
Infosys Technologies Ltd. 4.81% 35% 65% 47.80%
Housing Development Finance Corporation Ltd. 4.58% 35% 65% 52.20%
Reliance Industries Ltd 3.92%ITC Ltd. 3.84%ICICI Bank Ltd 3.61%
HDFC Bank Ltd 3.05%
Tata Motors Limited 3.02%
Larsen & Toubro Limited 2.65%Maruti Suzuki India Limited 2.40%State Bank of India 2.29%
Tata Consultancy Services Limited 2.13%IndusInd Bank Limited 2.03%
Sun Pharmaceuticals Industries Ltd 1.95%Axis Bank Limited 1.74%Power Grid Corporation of India Limited 1.19%HCL Technologies Ltd 1.10%Hero Motocorp Ltd. 1.00%Others (with < 1% exposure) 2.49%
Debt 49 43%
INDIVIDUAL PENSION FUND APEX BALANCED - SEPTEMBER 2016
Equity
For New Dhruv Tara Products
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
ParticularsInvestment Pattern
Actual
Benchmark :
CNX Nifty Index ‐ 50%
CRISIL Composite Bond Index ‐ 50%
AAA39 48%
Debt Rating Profile (% of Debt)
Debt49.43%
Equity47.80%
MM & Others2.77%
Asset Allocation (% to AUM)
Debt 49.43%
Gilts & SDL 23.87%
GOI 23.87%
SDL ‐ Other States (with < 1% exposure) 0.00%
Corporate Bonds 25.56%
IL & FS LTD. 6.47%
LIC HOUSING FINANCE LTD 6.12%
RELIANCE GAS TRANSPORTN INFRA LTD. 3.25%
TATA SONS LTD. 3.07%
HINDALCO INDUSTRIES LTD. 3.06%
STEEL AUTHORITY OF INDIA LTD. 2.99%Others (with < 1% exposure) 0.61%
MM & Others 2.77%
Total 100.00%
`
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionIndividual Pension Fund ‐ Apex Balanced ‐0.20% 4.97% 10.30% 10.04% 8.12% 14.13% 8.99%
Fund returns vis a vis BenchmarkAbsolute CAGR (Annualised)
20.37%
10.90%
8.04%
6.12%
6.05%
5.42%
4.53%
3.84%
2.65%
1.95%
Financial & Insurance Activities
Infrastructure
Computer programming, consultancy and related activities
Housing Sector
Manufacture of Basic Metals
Manufacture of motor vehicles, trailers and semi‐trailers
Manufacture of coke and refined petroleum products
Manufacture of tobacco products
Civil engineering
Manufacture of pharmaceuticals,medicinal chemical and botanical products
Top 10 Industry Exposure ( % to AUM)
3‐5 years 5‐10 years > 10 years
32.45%
38.41%
29.14%
Debt Maturity Profile ( % of Debt)
39.48%
AA6.05%AA‐
6.18%
Gilts48.28%
9.30
10.30
11.30
12.30
13.30
14.30
15.30
16.30
17.30
18.30
19.30
Jan‐10
Apr‐10
Jul‐10
Oct‐10
Jan‐11
Apr‐11
Jul‐11
Oct‐11
Jan‐12
Apr‐12
Jul‐12
Oct‐12
Jan‐13
Apr‐13
Jul‐13
Oct‐13
Dec‐13
Mar‐14
Jun‐14
Sep‐14
Dec‐14
Mar‐15
Jun‐15
Sep‐15
Dec‐15
Mar‐16
Jun‐16
Sep‐16
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
NAV Benchmark
Modified Duration ‐ 5.53 yrs
Benchmark ‐0.34% 4.45% 9.47% 10.18% 8.22% 13.47% 8.52%
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
March 31, 2009 ULIF 007 31/03/09 SUD‐PI‐BL1 142
Products : AUM :
Rs. 11.73 Cr
Portfolio % to AUM
`
Equity 28.32% Minimum Maximum
Infosys Technologies Ltd. 2.52% 0% 60% 28.32%
HDFC Bank Ltd 2.17% 40% 100% 71.68%
Housing Development Finance Corporation Ltd. 2.10%
Reliance Industries Ltd 1.99%ITC Ltd. 1.88%
ICICI Bank Ltd 1.78%
Larsen & Toubro Limited 1.67%
Tata Motors Limited 1.60%
Sun Pharmaceuticals Industries Ltd 1.46%
Axis Bank Limited 1.38%
IndusInd Bank Limited 1.27%
Tata Consultancy Services Limited 1.24%
Maruti Suzuki India Limited 1.17%
State Bank of India 1.14%
Grasim Industries Ltd. 1.03%
Others (with < 1% exposure) 3.92%
Debt 65.19%
Gilts & SDL 34.97%
GOI 20.72%SDL MAHARASHTRA 9.52%SDL ‐ KERALA 4.72%SDL (with < 1% exposure) 0.00%
Corporate Bonds 30.23%
INDIVIDUAL PENSION FUND BALANCED - SEPTEMBER 2016
Equity
For Dhruv Tara Products
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
ParticularsInvestment Pattern
Actual
Benchmark :
CNX Nifty Index ‐ 30%
CRISIL Composite Bond Index ‐ 70%
AAA37.15%
Debt Rating Profile (% of Debt)
Debt65.19%
Equity28.32%
MM & Others6.49%
Asset Allocation (% to AUM)
p
LIC HOUSING FINANCE LTD 7.09%THE INDIAN HOTELS COMPANY LTD. 6.01%RELIANCE PORTS & TERMINALS LTD. 4.76%
THE GREAT EASTERN SHIPPING CO. LTD. 4.52%
IL & FS LTD. 1.88%
HDFC LTD. 1.88%
LARSEN & TOUBRO LTD. 1.78%
STATE BANK OF INDIA 1.39%
Others (with < 1% exposure) 0.91%
MM & Others 6.49%
Total 100.00%
`
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionFund returns vis a vis Benchmark
Absolute CAGR (Annualised)
11.25%
8.97%
8.40%
6.01%
4.52%
3.76%
3.45%
2.77%
2.74%
2.63%
Financial & Insurance Activities
Housing Sector
Infrastructure
Accommodation
Water transport
Computer programming, consultancy and related activities
Civil engineering
Manufacture of motor vehicles, trailers and semi‐trailers
Manufacture of coke and refined petroleum products
Manufacture of pharmaceuticals,medicinal chemical and botanical products
Top 10 Industry Exposure ( % to AUM)
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
9.22%
5.43%
23.82%
36.56%
24.97%
Debt Maturity Profile ( % of Debt)
Modified Duration ‐ 4.57 yrs
AA9.22%
Gilts53.63%
9.5010.0010.5011.0011.5012.0012.5013.0013.5014.0014.5015.0015.5016.0016.5017.0017.5018.0018.5019.0019.5020.0020.5021.0021.5022.0022.50
Mar‐09
Jun‐09
Sep‐09
Dec‐09
Mar‐10
Jun‐10
Sep‐10
Dec‐10
Mar‐11
Jun‐11
Aug‐11
Nov‐11
Feb‐12
May‐12
Aug‐12
Nov‐12
Feb‐13
May‐13
Aug‐13
Oct‐13
Jan‐14
Apr‐14
Jul‐14
Oct‐14
Jan‐15
Apr‐15
Jul‐15
Oct‐15
Dec‐15
Mar‐16
Jun‐16
Sep‐16
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
NAV Benchmark
Individual Pension Fund ‐ Balanced 0.24% 4.21% 8.62% 9.98% 8.76% 12.26% 10.53%Benchmark 0.32% 4.65% 8.69% 10.78% 9.79% 12.90% 10.62%
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No. Benchmark :
April 29, 2011 ULIF 017 29/04/11 SUD‐LX‐BL1 142 CNX Nifty Index ‐ 30%
CRISIL Composite Bond Index ‐ 70%
Products : AUM :
For Dhan Suraksha Express Rs. 70.51 Cr
Portfolio % to AUM
`
Equity 28.24% Minimum Maximum
Infosys Technologies Ltd. 2.10% 0% 60% 28.24%
HDFC Bank Ltd 1.81% 40% 100% 71.76%
ICICI Bank Ltd 1.70%
Reliance Industries Ltd 1.66%
Tata Motors Limited 1.64%
Housing Development Finance Corporation Ltd. 1.58%
ITC Ltd. 1.56%
Larsen & Toubro Limited 1.53%
Axis Bank Limited 1.30%
Tata Consultancy Services Limited 1.29%
Sun Pharmaceuticals Industries Ltd 1.13%
Maruti Suzuki India Limited 1.01%
Others (with < 1% exposure) 9.93%
Debt 67.42%
Gilts & SDL 32.30%
GOI 27.72%
SDL ‐ TAMIL NADU 2.60%
SDL MAHARASHTRA 1.19%
Other SDL (with < 1% exposure) 0.78%
Corporate Bonds 35.12%
THE GREAT EASTERN SHIPPING CO. LTD. 3.76%
EXPRESS BALANCED FUND - SEPTEMBER 2016
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
ParticularsInvestment Pattern
Actual
AAA
Debt Rating Profile (% of Debt)
Debt67.42%
Equity28.24%
MM & Others4.34%
Asset Allocation( % to AUM)
POWER FINANCE CORPORATION LTD. 3.53%
RELIANCE GAS TRANSPORTN INFRA LTD. 3.16%
FULLERTON INDIA CREDIT COMPANY LTD. 2.84%
IL & FS LTD. 2.76%
LIC HOUSING FINANCE LTD 2.20%
VEDANTA LIMITED 2.16%
RELIANCE PORTS & TERMINALS LTD. 2.06%
POWER GRID CORPORATION OF INDIA LTD 1.88%
TATA SONS LTD. 1.49%
STCI FINANCE LIMITED 1.45%
HINDUSTAN PETROLEUM CORPORATION LTD 1.44%
THE INDIAN HOTELS COMPANY LTD. 1.43%
HDFC LTD. 1.06%
Others (with < 1% exposure) 3.91%
MM & Others 4.34%
Total 100.00%
1 M th 3 M th 6 M th 1 Y 2 Y 3 Y Si I tiFund returns vis a vis Benchmark
Absolute CAGR (Annualised)
15.28%
14.31%
4.49%
3.76%
3.38%
3.26%
3.11%
2.42%
2.16%
1.98%
Infrastructure
Financial & Insurance Activities
Computer programming, consultancy and related activities
Water transport
Manufacture of coke and refined petroleum products
Housing Sector
Manufacture of motor vehicles, trailers and semi‐trailers
Civil engineering
Mining of metal ores
Manufacture of pharmaceuticals,medicinal chemical and botanical products
Top 10 Industry Exposure ( % to AUM)
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
7.81%
12.47%
20.88%
41.19%
17.65%
Debt Maturity Profile ( % of Debt)
AAA38.89%
AA+4.21%AA
3.19%AA‐5.79%
Gilts47.91%
9.50
10.50
11.50
12.50
13.50
14.50
15.50
16.50
17.50
Apr‐11
Jul‐11
Oct‐11
Jan‐12
Apr‐12
Jul‐12
Oct‐12
Jan‐13
Apr‐13
Jul‐13
Oct‐13
Jan‐14
Apr‐14
Jul‐14
Oct‐14
Jan‐15
Apr‐15
Jul‐15
Oct‐15
Jan‐16
Apr‐16
Jul‐16
Sep‐16
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
NAV Benchmark
Modified Duration ‐ 4.47 yrs
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionExpress Balanced Fund 0.06% 4.13% 7.91% 9.24% 8.92% 12.34% 9.35%
Benchmark 0.32% 4.65% 8.69% 10.78% 9.79% 12.90% 9.21%
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No. Benchmark :
January 29, 2014 ULIF 024 11/12/13 SUD‐LI‐BL2 142 CNX Nifty Index ‐ 30%
CRISIL Composite Bond Index ‐ 70%
Products : AUM :
For Dhan Suraksha Plus & Wealth Builder Plan Rs.138.00 Cr
Portfolio % to AUM
`
Equity 29.90% Minimum Maximum
HDFC Bank Ltd 2.98% 0% 60% 29.90%
Infosys Technologies Ltd. 2.39% 40% 100% 58.54%
Housing Development Finance Corporation Ltd. 2.37% 0% 30% 11.57%
ICICI Bank Ltd 2.02%
ITC Ltd. 1.76%
Larsen & Toubro Limited 1.52%
Tata Motors Limited 1.47%
IndusInd Bank Limited 1.37%
Reliance Industries Ltd 1.34%
Oil & Natural Gas Corpn Ltd 1.33%
Axis Bank Limited 1.15%
Tata Consultancy Services Limited 1.04%
Others (with < 1% exposure) 9.15%
Debt 58.54%
Gilts & SDL 33.46%
GOI 29.17%
SDL MAHARASHTRA 2.36%
SDL ‐ TAMIL NADU 1.34%
SDL (with < 1% exposure) 0.61%
Corporate Bonds 25.07%
LARSEN & TOUBRO LTD. 3.18%
HDFC LTD. 3.11%
POWER FINANCE CORPORATION LTD 2 71%
BALANCED PLUS FUND - SEPTEMBER 2016
MM & Others
Equity
Debt
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
ParticularsInvestment Pattern
Actual
AAA31.97%
Gilts57.17%
Debt Rating Profile (% of Debt)
Debt58.54%
Equity29.90%
MM & Others11.57%
Asset Allocation( % to AUM)
POWER FINANCE CORPORATION LTD. 2.71%
RELIANCE PORTS & TERMINALS LTD. 2.27%
VEDANTA LIMITED 1.84%
THE GREAT EASTERN SHIPPING CO. LTD. 1.77%
RURAL ELECTRIFICATION CORPORATION L 1.66%
STCI FINANCE LIMITED 1.48%
IRFC LTD. 1.02%
INDIAN OIL CORPORATION LTD 1.00%
Others (with < 1% exposure) 5.03%
MM & Others 11.57%
Total 100.00%
`
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionBalanced Plus Fund 0 20% 4 33% 8 56% 9 53% 8 81% NA 12 70%
Fund returns vis a vis BenchmarkAbsolute CAGR (Annualised)
13.76%
9.31%
4.70%
4.66%
4.08%
3.88%
2.61%
2.57%
1.84%
1.83%
Financial & Insurance Activities
Infrastructure
Civil engineering
Other financial activities
Computer programming, consultancy and related activities
Housing Sector
Manufacture of motor vehicles, trailers and semi‐trailers
Manufacture of coke and refined petroleum products
Mining of metal ores
Manufacture of pharmaceuticals,medicinal chemical and botanical products
Top 10 Industry Exposure ( % to AUM)
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
1.75%
9.67%
19.79%
42.39%
26.41%
Debt Maturity Profile ( % of Debt)
AA+1.86%
AA1.77%
AA‐7.23%
9.9010.1010.3010.5010.7010.9011.1011.3011.5011.7011.9012.1012.3012.5012.7012.9013.1013.3013.5013.7013.9014.10
Jan‐14
Apr‐14
Jun‐14
Sep‐14
Nov‐14
Feb‐15
Apr‐15
Jul‐15
Sep‐15
Nov‐15
Feb‐16
Apr‐16
Jul‐16
Sep‐16
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
NAV Benchmark
Modified Duration ‐ 4.87 yrs
Balanced Plus Fund 0.20% 4.33% 8.56% 9.53% 8.81% NA 12.70%Benchmark 0.32% 4.65% 8.69% 10.78% 9.79% NA 12.77%
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
January 20, 2010 ULIF 012 20/01/10 SUD‐LA‐BN1 142
Products : AUM :
Rs. 197.72 Cr
Portfolio % to AUM
`
Debt 95.19% Minimum Maximum
Gilts & SDL 42.55% 80% 100% 95.19%
GOI 39.06% 0% 20% 4.81%
SDL ‐ TAMIL NADU 2.40%
SDL (with < 1% exposure) 1.08%
Corporate Bonds 52.64%
NATIONAL THERMAL POWER CORPORATION 3.85%
LIC HOUSING FINANCE LTD 3.68%
M & M FINANCIAL SERVICES LTD. 3.60%
IL & FS LTD. 3.55%
POWER GRID CORPORATION OF INDIA LTD 3.12%
STEEL AUTHORITY OF INDIA LTD. 2.87%
HDFC LTD. 2.72%
RURAL ELECTRIFICATION CORPORATION L 2.66%
RELIANCE PORTS & TERMINALS LTD. 2.65%
HINDUSTAN PETROLEUM CORPORATION LTD 2.58%
FULLERTON INDIA CREDIT COMPANY LTD. 2.56%
POWER FINANCE CORPORATION LTD. 2.44%
TATA SONS LTD. 1.71%
APEX BOND FUND - SEPTEMBER 2016
DEBT
MM & Others
Particulars
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.
Investment PatternActual
Asset Mix
For New Dhan Suraksha, New Dhan Suraksha Premium,
New Prabhat Tara, Dhan Suraksha 3, Dhan Suraksha
Premium 3 & Prabhat Tara 3.
Benchmark :
CRISIL Composite Bond Index ‐ 90%
CRISIL Liquid Fund Index ‐ 10%
Debt95.19%
MM & Others4.81%
Asset Allocation (% to AUM)
AAA36.21%
Gilts44.70%
Debt Rating Profile (% of Debt)
TATA CAPITAL FINANCIAL SERVICES LTD 1.55%
THE GREAT EASTERN SHIPPING CO. LTD. 1.39%
L&T HOUSING FINANCE LIMITED 1.34%
MRF LTD. 1.34%
LARSEN & TOUBRO LTD. 1.32%
HINDALCO INDUSTRIES LTD. 1.27%
L & T FINANCE LTD. 1.04%
VEDANTA LIMITED 1.03%
THE INDIAN HOTELS COMPANY LTD. 1.02%
Others (with < 1% exposure) 3.36%
MM & Others 4.81%
Total 100.00%
`
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionApex Bond Fund 1 06% 4 56% 6 93% 10 57% 11 27% 11 20% 8 51%
Fund returns vis a vis Benchmark Absolute CAGR (Annualised)
19.00%
13.04%
7.74%
4.14%
3.05%
1.39%
1.34%
1.32%
1.03%
1.02%
Infrastructure
Financial & Insurance Activities
Housing Sector
Manufacture of Basic Metals
Manufacture of coke and refined petroleum products
Water transport
Manufacture of rubber and plastics products
Civil engineering
Mining of metal ores
Accommodation
Top 10 Industry Exposure ( % to AUM)
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
3.73%
15.97%13.07%
42.56%
24.66%
Debt Maturity Profile ( % of Debt)
AA+12.05%
AA4.09%
AA‐2.96%
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
Jan‐10
Apr‐10
Jul‐10
Oct‐10
Jan‐11
Apr‐11
Jul‐11
Oct‐11
Jan‐12
Apr‐12
Jul‐12
Oct‐12
Jan‐13
Apr‐13
Jul‐13
Oct‐13
Dec‐13
Mar‐14
Jun‐14
Sep‐14
Dec‐14
Mar‐15
Jun‐15
Sep‐15
Dec‐15
Mar‐16
Jun‐16
Sep‐16
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
NAV Benchmark
Modified Duration ‐ 4.87 yrs
Apex Bond Fund 1.06% 4.56% 6.93% 10.57% 11.27% 11.20% 8.51%Benchmark 1.24% 4.61% 7.10% 11.12% 11.62% 11.55% 8.53%
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No. Benchmark :
February 25, 2009 ULIF 004 25/02/09 SUD‐LI‐BN1 142 CRISIL Composite Bond Index ‐ 90%
CRISIL Liquid Fund Index ‐ 10%
Products : AUM :
Rs. 9.90Cr
Portfolio % to AUM
`
Debt 93.57% Minimum Maximum
Gilts & SDL 53.60% 80% 100% 93.57%
GOI 43.68% 0% 20% 6.43%
SDL ‐ KERALA 4.47%
SDL GUJARAT 3.16%
SDL ‐ TAMIL NADU 2.29%
SDL (with < 1% exposure) 0.00%
Corporate Bonds 39.97%
LARSEN & TOUBRO LTD. 6.33%
LIC HOUSING FINANCE LTD 6.24%
RELIANCE PORTS & TERMINALS LTD. 5.64%
THE GREAT EASTERN SHIPPING CO. LTD. 5.36%
M & M FINANCIAL SERVICES LTD. 4.42%
POWER GRID CORPORATION OF INDIA LTD 3.44%
RELIANCE INDUSTRIES LTD 3.16%
RELIANCE GAS TRANSPORTN INFRA LTD. 2.17%
HDFC LTD 1 11%
BOND FUND - SEPTEMBER 2016
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.
Investment PatternActual
Asset Mix
Particulars
For Dhan Suraksha, Dhan Suraksha Premium, Prabhat Tara.
Debt93.57%
MM & Others6.43%
Asset Allocation (% to AUM)
AAA36.89%
Debt Rating Profile (% of Debt)
HDFC LTD. 1.11%
INDIAN OIL CORPORATION LTD 1.08%
STEEL AUTHORITY OF INDIA LTD. 1.03%
Others (with < 1% exposure) 0.00%
MM & Others 6.43%
Total 100.00%
`
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionBond Fund 1.01% 4.37% 6.77% 10.32% 10.79% 10.67% 8.06%
Fund returns vis a vis BenchmarkAbsolute CAGR (Annualised)
11.25%
7.35%
6.33%
5.36%
4.42%
4.23%
1.03%
Infrastructure
Housing Sector
Civil engineering
Water transport
Financial & Insurance Activities
Manufacture of coke and refined petroleum products
Manufacture of Basic Metals
Top 10 Industry Exposure ( % to AUM)
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
3.25%
18.28%
27.55%
24.19%26.73%
Debt Maturity Profile ( % of Debt)
AA+4.72%AA
1.10%
Gilts57.28%
9.50
10.50
11.50
12.50
13.50
14.50
15.50
16.50
17.50
18.50
Feb‐09
May‐09
Aug‐09
Nov‐09
Feb‐10
May‐10
Jul‐10
Oct‐10
Jan‐11
Apr‐11
Jul‐11
Sep‐11
Dec‐11
Mar‐12
Jun‐12
Sep‐12
Dec‐12
Feb‐13
May‐13
Aug‐13
Nov‐13
Feb‐14
May‐14
Jul‐14
Oct‐14
Jan‐15
Apr‐15
Jul‐15
Sep‐15
Dec‐15
Mar‐16
Jun‐16
Sep‐16
NAV/U
NIT (Rs)
NAV Performance (Since Inception)NAV Benchmark
Modified Duration ‐ 4.70 yrs
Benchmark 1.24% 4.61% 7.10% 11.12% 11.62% 11.55% 8.10%
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
January 20, 2010 ULIF 016 20/01/10 SUD‐PA‐BN1 142
Products : AUM :
For New Dhruv Tara Products Rs. 5.41 Cr
Portfolio % to AUM
`
Debt 93.82% Minimum Maximum
Gilts & SDL 67.60% 80% 100% 93.82%
GOI 49.54% 0% 20% 6.18%
SDL MAHARASHTRA 14.11%
SDL ‐ TAMIL NADU 3.96%SDL (with < 1% exposure) 0.00%
Corporate Bonds 26.22%
POWER GRID CORPORATION OF INDIA LTD 6.29%
RELIANCE PORTS & TERMINALS LTD. 6.19%
HDFC LTD. 4.06%
TATA SONS LTD. 3.88%
HINDALCO INDUSTRIES LTD. 3.87%
LARSEN & TOUBRO LTD. 1.93%Others (with < 1% exposure) 0.00%
MM & Others 6.18%
Total 100.00%
INDIVIDUAL PENSION FUND APEX BOND - SEPTEMBER 2016
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
ParticularsInvestment Pattern
Actual
Benchmark :
CRISIL Composite Bond Index ‐ 90%
CRISIL Liquid Fund Index ‐ 10%
Top 10 Industry Exposure ( % to AUM)
Debt93.82%
MM & Others6.18%
Asset Allocation( % to AUM)
AAA23.82%
AA‐4.12%
Debt Rating Profile (% of Debt)
`
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionFund returns vis a vis Benchmark
Absolute CAGR (Annualised)
12.48%
4.06%
3.88%
3.87%
1.93%
Infrastructure
Housing Sector
Financial & Insurance Activities
Manufacture of Basic Metals
Civil engineering
1‐3 years 3‐5 years 5‐10 years > 10 years
4.13%
33.88%
35.40%
26.58%
Debt Maturity Profile ( % of Debt)
Gilts72.06%
9.50
10.50
11.50
12.50
13.50
14.50
15.50
16.50
Jan‐10
Apr‐10
Jul‐10
Oct‐10
Jan‐11
Apr‐11
Jul‐11
Oct‐11
Jan‐12
Apr‐12
Jul‐12
Oct‐12
Jan‐13
Apr‐13
Jul‐13
Oct‐13
Dec‐13
Mar‐14
Jun‐14
Sep‐14
Dec‐14
Mar‐15
Jun‐15
Sep‐15
Dec‐15
Mar‐16
Jun‐16
Sep‐16
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
NAV Benchmark
Modified Duration ‐ 5.35 yrs
Individual Pension Fund ‐ Apex Bond 1.09% 4.79% 7.32% 10.91% 11.17% 11.10% 8.28%
Benchmark 1.24% 4.61% 7.10% 11.12% 11.62% 11.55% 8.53%
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
March 31, 2009 ULIF 008 31/03/09 SUD‐PI‐BN1 142
Products : AUM :
Rs. 3.85 Cr
Portfolio % to AUM
`
Debt 94.41% Minimum Maximum
Gilts & SDL 53.06% 80% 100% 94.41%
GOI 41.87% 0% 20% 5.59%
SDL ‐ TAMIL NADU 5.88%
SDL ‐ KERALA 5.31%
SDL (with < 1% exposure) 0.00%
Corporate Bonds 41.35%
POWER GRID CORPORATION OF INDIA LTD 5.89%
MRF LTD. 5.72%
INDIAN OIL CORPORATION LTD 5.53%
LARSEN & TOUBRO LTD. 5.38%
STEEL AUTHORITY OF INDIA LTD. 5.31%
RELIANCE GAS TRANSPORTN INFRA LTD. 2.79%
THE GREAT EASTERN SHIPPING CO. LTD. 2.75%
RURAL ELECTRIFICATION CORPORATION L 2.70%
LIC HOUSING FINANCE LTD 2.66%
NATIONAL BANK FOR AGRI & RURAL DEVE 2.63%
Others (with < 1% exposure) 0.00%
INDIVIDUAL PENSION FUND BOND - SEPTEMBER 2016
Debt
For Dhruv Tara Products
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
ParticularsInvestment Pattern
Actual
Benchmark :
CRISIL Composite Bond Index ‐ 90%
CRISIL Liquid Fund Index ‐ 10%
Debt94.41%
MM & Others5.59%
Asset Allocation (% to AUM)
AAA38.17%
Debt Rating Profile (% of Debt)
MM & Others 5.59%
Total 100.00%
`
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionFund returns vis a vis Benchmark
Absolute CAGR (Annualised)
14.00%
5.72%
5.53%
5.38%
5.31%
2.75%
2.66%
Infrastructure
Manufacture of rubber and plastics products
Manufacture of coke and refined petroleum products
Civil engineering
Manufacture of Basic Metals
Water transport
Housing Sector
Top 10 Industry Exposure ( % to AUM)
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
2.78%
23.10%
28.64%
18.24%
27.25%
Debt Maturity Profile ( % of Debt)
AA5.63%
Gilts56.20%
9.70
10.70
11.70
12.70
13.70
14.70
15.70
16.70
17.70
18.70
Mar‐09
Jun‐09
Sep‐09
Nov‐09
Feb‐10
May‐10
Jul‐10
Oct‐10
Dec‐10
Mar‐11
Jun‐11
Aug‐11
Nov‐11
Feb‐12
Apr‐12
Jul‐12
Oct‐12
Dec‐12
Mar‐13
May‐13
Aug‐13
Nov‐13
Jan‐14
Apr‐14
Jul‐14
Sep‐14
Dec‐14
Feb‐15
May‐15
Aug‐15
Oct‐15
Jan‐16
Apr‐16
Jun‐ 16
Sep‐16
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
NAV Benchmark
Modified Duration ‐ 4.70 yrs
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionIndividual Pension Fund ‐ Bond 1.09% 4.26% 6.56% 10.21% 10.63% 10.47% 7.99%Benchmark 1.24% 4.61% 7.10% 11.12% 11.62% 11.55% 8.18%
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
January 29, 2014 ULIF 020 11/12/13 SUD‐LI‐BN2 142
Products : AUM :
Rs. 76.11 Cr
Portfolio % to AUM
`
Debt 88.92% Minimum Maximum
Gilts & SDL 50.03% 70% 100% 88.92%
GOI 48.25% 0% 30% 11.08%
SDL MAHARASHTRA 1.78%
SDL (with < 1% exposure) 0.00%
Corporate Bonds 38.88%
LARSEN & TOUBRO LTD. 5.61%
HDFC LTD. 4.69%
STEEL AUTHORITY OF INDIA LTD. 4.36%
VEDANTA LIMITED 2.93%
RURAL ELECTRIFICATION CORPORATION L 2.33%
TATA SONS LTD. 2.07%
POWER GRID CORPORATION OF INDIA LTD 2.06%
RELIANCE PORTS & TERMINALS LTD. 2.05%
RELIANCE INDUSTRIES LTD 2.05%
IRFC LTD. 1.43%
POWER FINANCE CORPORATION LTD. 1.43%
L&T HOUSING FINANCE LIMITED 1.39%
HINDALCO INDUSTRIES LTD. 1.37%
FULLERTON INDIA CREDIT COMPANY LTD. 1.35%
CRISIL Liquid Fund Index ‐ 15%
MM & Others
For Dhan Suraksha Plus & Wealth Builder Plan
Asset Mix
ParticularsInvestment Pattern
Actual
Debt
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.
Benchmark :
CRISIL Composite Bond Index ‐ 85%
INDIVIDUAL LIFE INCOME FUND - SEPTEMBER 2016
Debt88.92%
MM & Others11.08%
Asset Allocation (% to AUM)
AAA28.58%
Gilts56.27%
Debt Rating Profile (% of Debt)
THE INDIAN HOTELS COMPANY LTD. 1.32%
Others (with < 1% exposure) 2.42%
MM & Others 11.08%
Total 100.00%
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionFund returns vis a vis Benchmark
Absolute CAGR (Annualised)
AA+3.91%
AA6.39%
AA‐4.84%
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
2.38%
8.43%
18.15%
40.44%
30.60%
Debt Maturity Profile ( % of Debt)
9.50
10.00
10.50
11.00
11.50
12.00
12.50
13.00
13.50
14.00
Jan‐14
Feb‐14
Mar‐14
Apr‐14
May‐14
Jun‐14
Jul‐14
Aug‐14
Sep‐14
Oct‐14
Nov‐14
Dec‐14
Jan‐15
Feb‐15
Mar‐15
Apr‐15
May‐15
Jun‐15
Jul‐15
Aug‐15
Sep‐15
Oct‐15
Nov‐15
Dec‐15
Jan‐16
Feb‐16
Mar‐16
Apr‐16
May‐16
Jun‐16
Jul‐16
Aug‐16
Sep‐16
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
NAV Benchmark
Modified Duration ‐ 5.13 yrs
10.02%
6.09%
5.74%
5.61%
4.60%
4.15%
2.10%
2.05%
1.32%
Infrastructure
Housing Sector
Manufacture of Basic Metals
Civil engineering
Other financial activities
Financial & Insurance Activities
FDCD Non Promoter Group
Manufacture of coke and refined petroleum products
Accommodation
Top 10 Industry Exposure ( % to AUM)
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionIndividual Life Income Fund 0.99% 4.51% 6.87% 10.17% 10.96% NA 11.24%Benchmark 1.20% 4.45% 6.91% 10.93% 11.42% NA 11.51%
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
October 6, 2015 ULGF 003 20/03/15 SUD‐GN‐BN1 142
Products : AUM :
Rs. 9.87 Cr
Portfolio % to AUM
`
Debt 92.13% Minimum Maximum
Gilts & SDL 49.09% 70% 100% 92.13%
GOI 38.38% 0% 30% 7.87%
SDL GUJARAT 6.42% 0% 15% 0.00%
SDL MAHARASHTRA 4.29% 0% 15% 0.00%
SDL (with < 1% exposure) 0.00%
Corporate Bonds 43.04%
MRF LTD. 5.58%
NATIONAL THERMAL POWER CORPORATION 5.48%
LIC HOUSING FINANCE LTD 5.34%
RURAL ELECTRIFICATION CORPORATION L 5.29%
RELIANCE INDUSTRIES LTD 5.28%
LARSEN & TOUBRO LTD. 5.25%
TATA SONS LTD. 4.25%
HDFC LTD. 3.34%
THE GREAT EASTERN SHIPPING CO. LTD. 3.22%
Others (with < 1% exposure) 0.00%
MM & Others 7.87%
Mutual Fund 0.00%
Fixed Deposits with Banks
MM & Others
Mutual Funds
GROUP DEBT FUND - SEPTEMBER 2016
For SUD Life Group Retirement Benefit Plan
Asset Mix
ParticularsInvestment Pattern
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 :
CRISIL Composite Bond Index ‐ 90%
Debt
CRISIL Liquid Fund Index ‐ 10%
Debt92.13%
MM & Others7.87%
Asset Allocation (% to AUM)
Debt Rating Profile (% of Debt)
Fixed Deposit with Banks 0.00%
Total 100.00%
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionFund returns vis a vis Benchmark
Absolute CAGR (Annualised)
AAA46.72%
Gilts53.28%
1‐3 years 3‐5 years 5‐10 years > 10 years
9.20%
22.20%
46.41%
22.20%
Debt Maturity Profile ( % of Debt)
10.00
10.20
10.40
10.60
10.80
11.00
11.20
6‐Oct‐15
23‐Oct‐15
9‐Nov‐15
26‐Nov‐15
13‐Dec‐15
30‐Dec‐15
16‐Jan‐16
2‐Feb‐16
19‐Feb‐16
7‐Mar‐16
24‐Mar‐16
10‐Apr‐16
27‐Apr‐16
14‐May‐16
31‐May‐16
17‐Jun‐16
4‐Jul‐16
21‐Jul‐16
7‐Aug‐16
24‐Aug‐16
10 ‐Sep‐16
27‐Sep‐16
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
NAV Benchmark
Modified Duration ‐ 4.88 yrs
10.78%
8.68%
5.58%
5.28%
5.25%
4.25%
3.22%
Infrastructure
Housing Sector
Manufacture of rubber and plastics products
Manufacture of coke and refined petroleum products
Civil engineering
Financial & Insurance Activities
Water transport
Top 10 Industry Exposure ( % to AUM)
pGroup Debt Fund 1.16% 4.88% 7.46% NA NA NA 11.16%Benchmark 1.08% 4.49% 7.13% NA NA NA 10.70%
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No. Benchmark :
June 03, 2011 ULIF 018 03/06/11 SUD‐UL‐DP1 142
Products : AUM :
Dhan Suraksha Express, Dhan Suraksha 3, Dhan
Suraksha Premium 3 & Prabhat Tara 3,Dhan Suraksha
Plus & Wealth Builder Plan Rs. 440.40Cr
Portfolio % to AUM
Debt & MM 100.00% Minimum Maximum
Gilts & SDL 68.59% 60% 100% 68.59%
GOI 47.13% 0% 40% 31.41%
SDL KARNATAKA 8.05%
SDL MAHARASHTRA 5.23%
SDL GUJARAT 3.86%SDL ‐ KERALA 1.63%SDL ‐ TAMIL NADU 1.18%SDL ‐ MADHYA PRADESH 1.16%SDL (with < 1% exposure) 0.35%
MM & Others 31.41%
DISCONTINUED POLICIES FUND - SEPTEMBER 2016
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% *
ParticularsInvestment Pattern
Actual
MM & Others31.41%
Asset Allocation( % to AUM)
32.03%
36.39%
Debt Maturity Profile ( % of Debt)
Modified Duration ‐ 1.57 yrs
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since Inception
Discontinued Policies Fund 0.77% 2.13% 4.01% 7.77% 8.27% 8.47% 8.02%
Benchmark 0.89% 2.66% 4.91% 9.00% 9.05% 9.14% 8.63%
Note: * Crisil Liquid Index 100% upto May 2013
CRISIL Short Term Gilt Index 65% & CRISIL Liquid Index 35% from June 13 onwards
Fund returns vis a vis BenchmarkAbsolute CAGR (Annualised)
Govt. Securties68.59%
9.8010.1010.4010.7011.0011.3011.6011.9012.2012.5012.8013.1013.4013.7014.0014.3014.6014.9015.2015.50
Nov‐11
Feb‐12
May‐12
Aug‐12
Nov‐12
Feb‐13
May‐13
Aug‐13
Nov‐13
Feb‐14
May‐14
Aug‐14
Dec‐14
Mar‐15
Jun‐15
Sep‐15
Dec‐15
Mar‐16
Jun‐16
Sep‐16
NAV/U
NIT (R
s)
NAV Performance (Since Nov 01, 2011)
NAV Benchmark
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
11.95%
17.85%
1.78%
Trademark used under licence from respective owners.
Trademark used under licence from respective owners.
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.
Trademark used under licence from respective owners.
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.
CNX NIFTY
“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 CNX Nifty 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 CNX Nifty Index or particularly in the ability of the said Index to track general stock market performance in India”.