fund update january 2016...bain capital. in the primary market, the usd 77mn ipo of sh kelkar saw...

FUND

UPDATE

JANUARY

2016

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MONTHLY UPDATE JANUARY 2016AS ON 31st DECEMBER 2015

Click on the Fund Name for details

CONTENTSMARKET OUTLOOK 1

FUND PERFORMANCE OF ULIP FUNDS 3

PRODUCT - FUND MATRIX 5

INDIVIDUAL FUNDSCLASSIC OPPORTUNITIES FUND (ULIF-033-16/12/09-CLAOPPFND-107) 6

FRONTLINE EQUITY FUND (ULIF-034-17/12/09-FRLEQUFND-107) 7

DYNAMIC FLOOR FUND II (ULIF-035-17/12/09-DYFLRFND2-107) 8

BALANCED FUND (ULIF-037-21/12/09-BALKFND-107) 9

KOTAK OPPORTUNITIES FUND (ULIF-029-02/10/08-OPPFND-107) 10

KOTAK AGGRESSIVE GROWTH FUND (ULIF-018-13/09/04-AGRGWTFND-107) 11

GUARANTEE FUND (ULIF-048-05/02/10-GRTFND-107) 12

MONEY MARKET FUND (ULIF-041-05/01/10-MNMKKFND-107) 13

KOTAK DYNAMIC GROWTH FUND (ULIF-012-27/06/03-DYGWTFND-107) 14

DYNAMIC FLOOR FUND (ULIF-028-14/11/06-DYFLRFND-107) 15

KOTAK DYNAMIC BALANCED FUND (ULIF-009-27/06/03-DYBALFND-107) 16

KOTAK DYNAMIC BOND FUND (ULIF-015-15/04/04-DYBNDFND-107) 17

KOTAK DYNAMIC GILT FUND (ULIF-006-27/06/03-DYGLTFND-107) 18

KOTAK DYNAMIC FLOATING RATE FUND (ULIF-020-07/12/04-DYFLTRFND-107) 19

PEAK GUARANTEE FUND I (ULIF-049-14/02/10-PKGRTFND1-107) 20

KOTAK GUARANTEED GROWTH FUND (ULIF-013-27/06/03-GRTGWTFND-107) 21

KOTAK GUARANTEED BALANCED FUND (ULIF-010-27/06/03-GRTBALFND-107) 22

PENSION CLASSIC OPPORTUNITIES FUND (ULIF-042-07/01/10-PNCLAOPFND-107) 23

KOTAK PENSION OPPORTUNITIES FUND (ULIF-032-17/07/09-PNOPPFND-107) 24

PENSION FRONTLINE EQUITY FUND (ULIF-044-11/01/10-PNFRLEQFND-107) 25

PENSION GUARANTEE FUND (ULIF-038-21/12/09-PNGRTFND-107) 26

KOTAK PENSION GROWTH FUND (ULIF-030-07/01/09-PNGWTFND-107) 27

KOTAK PENSION FLOOR FUND (ULIF-031-13/07/09-PNFLRFND-107) 28

PENSION FLOOR FUND II (ULIF-043-08/01/10-PNFLRKFND2-107) 29

KOTAK PENSION BALANCED FUND (ULIF-011-27/06/03-PNBALFND-107 ) 30

PENSION BALANCED FUND II (ULIF-046-24/01/10-PNBALFND2-107) 31

KOTAK PENSION BOND FUND (ULIF-017-15/04/04-PNBNDFND-107) 32

KOTAK PENSION GILT FUND (ULIF-008-27/06/03-PNGLTFND-107) 33

KOTAK PENSION FLOATING RATE FUND (ULIF-022-07/12/04-PNFLTRFND-107) 34

PENSION MONEY MARKET FUND II (ULIF-039-28/12/09-PNMNMKFND-107) 35

KOTAK ADVANTAGE PLUS FUND II (ULIF-027-21/04/06-ADVPLSFND2-107) 36

KOTAK ADVANTAGE MULTIPLIER FUND (ULIF-024-07/02/06-ADVMULFND-107) 37

KOTAK ADVANTAGE MULTIPLIER FUND II (ULIF-026-21/04/06-ADVMULFND2-107) 38

DISCONTINUED POLICY FUND (ULIF-050-23/03/11-DISPOLFND-107) 39

GROUP FUNDSKOTAK GROUP DYNAMIC FLOOR FUND (ULGF-015-07/01/10-DYFLRFND-107) 40

KOTAK GROUP BALANCED FUND (ULGF-003-27/06/03-BALFND-107) 41

KOTAK GROUP BOND FUND (ULGF-004-15/04/04-BNDFND-107) 42

KOTAK GROUP GILT FUND (ULGF-002-27/06/03-GLTFND-107) 43

KOTAK GROUP FLOATING RATE FUND (ULGF-005-07/12/04-FLTRFND-107) 44

KOTAK GROUP MONEY MARKET FUND (ULGF-001-27/06/03-MNMKFND-107) 45

KOTAK GROUP SECURE CAPITAL FUND (ULGF-016-12/04/11-SECCAPFND-107) 46

KOTAK 57M FMP 07/04/2016 (ULGF-017-14/07/11-57FM070416-107) 47

KOTAK GROUP SHORT TERM BOND FUND (ULGF-018-18/12/13-SHTRMBND-107) 48

Annexure 49

Disclaimer 55



Page 1

MARKET OUTLOOK Month Gone By – Markets Indian equities were flat (Sensex - (0.1%) ) in December as uncertainty of Fed liftoff eased with market recovering in the latter half of the month. The Finance Minister’s statement, that structural reforms including GST, rationalizing of direct taxes and ease of doing business are among the top priorities for the New Year, boosted investor sentiments towards the end of month. Winter session of Parliament concluded on December 23 failed to pass the much awaited GST bill in the Upper House as controversies and protests were prevalent. On the global front, while US Federal Reserve raised Fed funds rate by 25 bps, European Central Bank (ECB) announced a 10 bps deposit rate cut and extended its asset purchase program by six months. 10 year benchmark treasury yields decreased a marginal 3 bps to 7.76%. Brent Crude was down 17.7% for the month.

Source: BloombergINR appreciated 0.77% vs. USD over the month. Foreign Institutional Investors (FIIs) reversed their position to marginal net buyers in December with net inflows to the tune of 38 mn from Indian equities. Domestic Institutional Investors (DIIs) were also net buyers in the month as net inflows totaled to USD 949mn. FIIs were sellers of Indian debt worth USD 629 mn.

Source: BloombergEconomyIndex of Industrial Production (IIP) for October surged sharply to a 5 year high at 9.8% vs 3.6% in September due to one-off shift in festival season this year. Capital goods (16.1% vs 10.3% in Sep) and consumer durables (42.2% vs 8.4% in Sep) were the main contributors. Consumer Price Index (CPI) for the month of November rose to a 14-month high, at 5.4% vs 5% in October led by pulses (up 3.6%MoM) edible oil (up 2.7%) and sugar (up 3.2%). Core CPI inched up to 4.6% YoY, the fourth consecutive month of YoY increase. Deflationary trends in Wholesale Price Index (WPI) continued as it fell for thirteenth consecutive month, headline WPI came in at -1.99% vs -3.81% last month, however it has been rising for last three months. Core WPI remained stable at -1.9%. November trade deficit narrowed marginally to USD 9.7 bn aided by drop in value of oil imports

Source : Motilal Oswal and Citi Equity Market OutlookThe year 2015 ended on a negative note after a spectacular performance in CY2014. The BSE-30 Index fell 5% in 2015 while BSE Midcap and BSE Small cap indices rose 10% and 6%, respectively.November witnessed a slight pickup in deal activity with 8 deals albeit of small ticket size amounting to USD 400mn. This was led by Hero MotoCorp USD 116mn stake sale (1.49%) by Bain Capital. In the primary market, the USD 77mn IPO of SH Kelkar saw healthy investor demand.In CY15 FIIs and DIIs bought USD 3.4bn and USD 10.3bn respectively. DII buying has exceeded that by FII for the first time since CY11. 2015 was a rather eventful year for Indian equities with its fair share of ups and down. 2016 can be a year of immense possibilities for Indian equity markets.India is clearly in a situation whereby macro indicators are on a strong footing on the back of the improvement in the current account deficit (CAD) (aided by lower oil, gold and commodity prices), higher forex reserves and lower inflation. This is at a time when most of the world is grappling with slower growth and many other imbalances

Source : Motilal Oswal and Citi



Page 2

Equities can react in the coming months based on following events:-• CorporateIndiahavebeenreportingverysubduedprofitgrowthatanaggregatelevelforlastfewquarters.ItiswidelyexpectedthatFY16shouldbebottomofearningsgrowthcycle and earnings can grow at double digit in FY17. Any positive confirmation of the same will act as positive trigger for the market.• Asbanksacceleratetheprocessofmonetarytransmissionandyieldsfall,itisbelievedthatIndia’scostofcapital(COC)willalsoprogressivelyreduce.Theconsequent expansion in the ROCE-COC spread could be one of the drivers of the next leg of re-rating in Indian equities.The next leg of India’s re-rating will likely be micro-led. From a microstandpoint, operating leverage will likely support earnings once India crosses its potential GDP growth, which will get more accentuated post FY16. Analysts have yet to pencil the benefits of operating leverage into their earnings estimates. • InflationisstillanissueinIndia.SofteningofcrudeoilandothercommoditiesishelpingtheIndianmacro.ForIndianequitiestoenterintoaperiodofsustainedrise,itis pertinent to tame inflation. The RBI wants to fight the inflation battle only once, thus reducing probabilities of aggressive rate cuts in the near term. If global crude prices remain weak in the near future as well, Indian equities could well become the best choice for global fund managers• OnonehandthereisexpectationofUSFedraisingtheinterestratesontheotherhandthereisexpectationofEuropeanCentralBank(ECB)cuttingrates.Thistightening& easing in different parts of the world is likely to keep the world markets volatile• Therehasbeenare-emergenceofconcernsoverChina.Themainconcernscentrearound(a)Investmentbubble:China’sinvestmentshareofGDPisalreadyhigherthanitever was in Japan and Korea. (b) Real estate bubble: Moody’s claim that real estate is around 23% of GDP, (directly and indirectly) (c) China’s private sector debt to GDP stands at 196% (40% higher than the trend rate). A meaningful slow down in China can influence global growth and investor sentiment to emerging markets. However, over time, it is expected that India, will be a major beneficiary of asset re-allocation within emerging markets.

Source: Motilal OswalDebt Market OutlookRBI announced Rs.10,000 crore worth open market purchases (OMO) in the beginning of the month to infuse liquidity. Markets initially rallied but gave up all the gains as the RBI did not continue its OMO purchases after the first announcement. Concerns over supply of G-sec, SDL (around 1 lakh crore) and Discom bonds related to UDAY scheme in the last quarter of the FY2016, spoiled the mood of the market. December had only two G-sec auctions but future supply concerns and tight liquidity conditions due to advance tax outflow outplayed the lower supply during the month.CPI edged up due to warring off of base effect and rise in food inflation. RBI in its monetary policy in December mentioned that Inflation has turned up as anticipated and is expected to rise further until December before plateauing. It expects the vegetable and fruits prices to moderate. The El-Nino induced shortening of winter may limit this effect. Early indication of rabi sowing and reservoirs levels suggest that astute supply management is necessary to minimize any shortfall in rabi crop. Taking all this into consideration, inflation is expected to broadly follow the path set out in September review with risk slightly to the downside of 6% (Jan 2016).Fiscal deficit increased in November after contracting for three consecutive months due to decline in both tax and non-tax receipts. Expenditure growth moderated with both capital and expenditure growth moderating. Fiscal deficit increased 46.4% in November vs. a decline of 11.5% in October. On YTD basis, the fiscal deficit is at 3.5% against the FY2016 budgeted target of 3.9%.Outlook: RBI will follow the developments in commodity prices and external developments. Pay commission effects on wages and rents and its direct effects on aggregate demand would be offset by appropriate budgetary tightening as the Government stays on fiscal consolidation path. The government is examining linking small savings rate to market interest rate. In January, around Rs.13,000cr of FII limits will be auctioned and should get subscribed depending upon the market conditions. FII interest in bond markets may slightly offset the over-supply in the Jan-March quarter. 10 year yield may be range bound in the near term.

source: Bloomberg



h

FUND PERFORMANCE OF ULIP FUNDS Fundsavailablewithinsuranceplanslaunchedon&postSept.1,2010.

Funds available with insurance plans launched Prior to Sept. 1, 2010.

Page 3

Returns As On 31st Dec 2015

ClassicOpportunities Fund (AUM: `

1,67,613.29 Lakhs)

Frontline Equity Fund

(AUM: ` 38,598.41Lakhs)

DynamicFloor Fund II

(AUM: ` 63,336.36 Lakhs)

BalancedFund

(AUM: ` 4,349.60 Lakhs)

Guarantee Fund(AUM: ` 4,046.87

Lakhs)

Kotak Dynamic Bond Fund

(AUM: ` 85,682.72 Lakhs)

Kotak Dynamic Gilt Fund(AUM: `

4,159.01 Lakhs)

Kotak Dynamic Floating Rate Fund

(AUM: ` 2,230.52 Lakhs)

Money Market Fund

(AUM: ` 15,373.53 Lakhs)

Discontinued Policy Fund

(AUM: ` 20,299.69 Lakhs)

Inception 12.0% 10.5% 6.1% 9.8% 7.2% 8.5% 7.2% 7.6% 7.9% 8.5%10 years n.a n.a n.a n.a n.a 9.2% 7.9% 7.9% n.a n.a7 years n.a n.a n.a n.a n.a 8.6% 6.6% 7.8% n.a n.a6 years 12.0% 10.9% 6.0% 9.9% n.a 8.8% 8.3% 8.4% n.a n.a5 years 9.6% 8.8% 5.2% 8.6% 5.4% 9.1% 8.7% 9.0% 8.6% n.a4 years 19.4% 18.2% 8.4% 14.3% 8.5% 9.3% 9.3% 9.4% 8.8% 8.7%3 years 15.5% 15.2% 6.2% 12.3% 6.3% 8.4% 8.4% 9.7% 8.5% 8.2%2 years 22.0% 20.3% 9.3% 16.4% 9.5% 11.2% 12.0% 9.1% 8.5% 8.2%1 year 3.7% 4.1% -0.5% 5.2% -0.1% 6.8% 6.8% 7.4% 8.3% 7.7%6 mth -2.9% -1.9% -1.3% 0.6% -0.9% 4.2% 4.0% 3.5% 3.9% 3.6%3 mth -0.3% -0.3% -0.5% -0.1% -0.1% 0.0% -0.2% 1.2% 1.9% 1.7%1 mth -0.6% -0.6% -0.2% -0.3% 0.1% 0.1% 0.0% 0.5% 0.6% 0.6%


Kotak Opportunities Fund(AUM: ` 94,297.08

Lakhs)

Kotak Aggressive Growth Fund(AUM: ` 28,804.01

Lakhs)

Kotak Dynamic Growth Fund(AUM: ` 6,145.72

Lakhs)

Dynamic Floor Fund(AUM: ` 95,088.80

Lakhs)

Kotak Dynamic Balanced Fund(AUM: ` 1,819.31

Lakhs)

Inception 19.1% 16.8% 15.0% 9.1% 13.7%10 years n.a 13.5% 11.2% n.a 11.1%7 years 19.6% 17.4% 13.7% 7.6% 12.7%6 years 11.3% 10.0% 9.8% 5.5% 9.5%5 years 8.9% 8.3% 8.6% 4.9% 8.8%4 years 18.8% 17.9% 16.2% 7.8% 14.6%3 years 14.9% 14.9% 13.7% 5.6% 12.5%2 years 21.5% 19.8% 18.1% 9.1% 16.6%1 year 2.9% 2.9% 4.4% -0.4% 5.1%6 mth -3.3% -2.5% -0.7% -0.9% 0.5%3 mth -0.5% -0.8% -0.2% -0.3% -0.1%1 mth -0.6% -0.7% -0.5% 0.1% -0.3%


Peak Guarantee Fund I(AUM: ` 2,342.05

Lakhs)

Kotak Guaranteed Growth Fund

(AUM: ` 1,10,132.52 Lakhs)

Kotak Guaranteed Balanced Fund

(AUM: ` 9,495.02 Lakhs)

Pension Classic Opportunities Fund

(AUM: ` 14,415.58 Lakhs)

Kotak PensionOpportunities Fund

(AUM: ` 2,709.53 Lakhs)

Pension Frontline Equity Fund

(AUM: ` 3,021.69 Lakhs)

Pension Guarantee Fund

(AUM: ` 10,909.00 Lakhs)

Inception 6.4% 13.7% 12.4% 12.7% 11.5% 11.7% 6.2%10 years n.a 9.5% 9.6% n.a n.a n.a n.a7 years n.a 10.6% 10.2% n.a n.a n.a n.a6 years n.a 8.7% 8.6% n.a 11.1% n.a 6.1%5 years 5.2% 8.4% 8.5% 9.6% 8.8% 8.8% 5.3%4 years 8.1% 12.5% 11.7% 19.6% 18.6% 18.4% 8.5%3 years 6.0% 10.6% 10.1% 15.8% 14.6% 15.4% 6.3%2 years 9.1% 14.9% 14.2% 22.3% 21.2% 20.5% 9.6%1 year -0.4% 5.1% 5.6% 3.5% 3.1% 4.0% -0.2%6 mth -1.0% 0.6% 1.4% -3.2% -3.3% -1.9% -0.9%3 mth -0.2% -0.2% -0.2% -0.5% -0.5% -0.3% -0.2%1 mth 0.1% -0.4% -0.3% -0.6% -0.6% -0.7% 0.1%


Kotak Pension Growth Fund

(AUM: ` 1,788.73 Lakhs)

Kotak Pension Floor Fund

(AUM: ` 5,109.01 Lakhs)

Pension Floor Fund II

(AUM: ` 8,539.84 Lakhs)

Kotak Pension Balanced Fund

(AUM: ` 21,612.08 Lakhs)

Pension Balanced Fund II(AUM: ` 351.31

Lakhs)

Kotak Pension Bond Fund

(AUM: ` 7,445.48Lakhs)

Kotak Pension Gilt Fund

(AUM: ` 787.66Lakhs)

Kotak Pension Floating

Rate Fund(AUM: ` 311.80 Lakhs)

Pension Money Market Fund II

(AUM: ` 1,112.74Lakhs)

Inception 11.4% 5.6% 6.1% 12.6% 9.5% 8.6% 7.4% 7.7% 7.9%10 years n.a n.a n.a 9.8% n.a 9.3% 8.1% 7.9% n.a7 years n.a n.a n.a 10.1% n.a 8.7% 6.6% 7.8% n.a6 years 8.7% 4.9% n.a 8.6% n.a 8.8% 8.3% 8.3% 7.9%5 years 8.2% 4.5% 5.3% 8.5% 8.7% 9.1% 8.6% 8.9% 8.5%4 years 12.4% 8.1% 8.4% 11.7% 14.4% 9.3% 9.3% 9.3% 8.7%3 years 10.5% 6.0% 6.2% 10.1% 12.3% 8.4% 8.4% 9.7% 8.5%2 years 14.8% 9.2% 9.3% 14.2% 16.4% 11.2% 12.0% 9.0% 8.5%1 year 5.0% -0.4% -0.6% 5.6% 5.2% 6.8% 6.8% 7.4% 8.3%6 mth 0.6% -1.0% -1.3% 1.4% 0.5% 4.2% 4.0% 3.5% 4.0%3 mth -0.2% -0.2% -0.5% -0.2% -0.2% 0.0% -0.2% 1.2% 1.9%1 mth -0.4% 0.1% -0.2% -0.3% -0.4% 0.1% 0.0% 0.5% 0.6%



•KOTAK PRIVILEDEGE ASSURANCE PLANS

FUND PERFORMANCE OF ULIP FUNDS •KOTAK GROUP PLANS

Page 4


Kotak Advantage Plus Fund II

(AUM: ` 22.47 Lakhs)

Kotak Advantage Multiplier Fund

(AUM: ` 161.38 Lakhs)

Kotak Advantage Multiplier Fund II

(AUM: ` 151.35 Lakhs)

Inception 5.6% 5.2% 5.4%7 years 5.9% 5.8% 5.9%6 years 4.8% 4.3% 4.5%5 years 4.3% 3.7% 3.8%4 years 5.5% 6.1% 6.3%3 years 5.2% 5.0% 5.4%2 years 5.4% 5.7% 6.0%1 year 4.7% 4.8% 5.1%6 mth 2.4% 2.4% 2.5%3 mth 1.0% 0.9% 1.0%1 mth 0.3% 0.3% 0.3%

Returns less than or equal to a year are absolute. Returns greater than a year are compounded annualised.

•KOTAK FIXED MATURITY PLANS

FUND PERFORMANCE OF ULIP FUNDS •KOTAK GROUP PLANS


Kotak Group Dynamic Floor Fund

(AUM: ` 366.31Lakhs)

Kotak Group Balanced Fund

(AUM: ` 28,729.67Lakhs)

Kotak Group Bond Fund (AUM: ` 72,320.68

Lakhs)

Kotak Group Gilt Fund (AUM: ` 2,427.18

Lakhs)

Kotak Group Floating Rate Fund

(AUM: ` 1,305.91Lakhs)

Kotak Group Money Market Fund

(AUM: ` 21.63Lakhs)

Kotak Group Secure Capital Fund (AUM: ` 5,701.64

Lakhs)

Inception 14.9% 13.8% 9.1% 7.5% 8.0% 8.8% 9.6%10 years n.a 11.3% 9.9% 8.3% 8.3% n.a n.a7 years n.a 12.9% 9.4% 6.9% 8.2% n.a n.a6 years n.a 9.8% 9.6% 8.5% 8.8% n.a n.a5 years 5.6% 9.1% 9.7% 8.9% 9.4% n.a n.a4 years 8.6% 14.9% 9.8% 9.5% 9.8% n.a 9.6%3 years 6.4% 12.9% 8.9% 8.7% 10.1% n.a 8.7%2 years 9.7% 17.1% 11.7% 12.3% 9.4% 8.4% 11.6%1 year 0.2% 5.7% 7.3% 7.0% 7.8% 8.2% 7.2%6 mth -0.8% 0.8% 4.4% 4.1% 3.7% 4.0% 4.3%3 mth -0.1% -0.1% 0.1% -0.1% 1.3% 2.2% 0.1%1 mth 0.1% -0.3% 0.1% 0.1% 0.5% 0.4% 0.1%


Kotak Group 57M FMP(AUM: ` 2,710.48

Lakhs)

Kotak Group Short Term Bond Fund

(AUM: ` 1,010.79Lakhs)

Inception 9.2% 1.0%10 years n.a n.a7 years n.a n.a6 years n.a n.a5 years n.a n.a4 years 9.3% n.a3 years 9.1% n.a2 years 9.4% n.a1 year 8.9% n.a6 mth 4.4% n.a3 mth 2.1% n.a1 mth 0.7% 0.5%



PRODUCT - FUND MATRIX*

Kotak WealthInsurance

Kotak AceInvestment

Kotak Single InvestAdvantage

Kotak HeadstartChild Assure

Kotak Platinum Kotak Invest Maxima

Fund

s

Classic Opportunities Fund b b b b b bFrontline Equity Fund b b b b b b

Balanced Fund b b r b b bDynamic Bond Fund b b b b b b

Dynamic Floating Rate Fund b b r b b rMoney Market Fund b b b b b bDynamic Gilt Fund b b b b b r

Discontinued Policy Fund b b b b b b

Page 5

*currently active plans



INDIVIDUAL FUNDS

CLASSIC OPPORTUNITIES FUND

FRONTLINE EQUITY FUND DYNAMIC FLOOR FUND II BALANCED FUND

KOTAK OPPORTUNITIES FUND KOTAK AGGRESSIVE GROWTH FUND

GUARANTEE FUND MONEY MARKET FUND

KOTAK DYNAMIC GROWTH FUND

DYNAMIC FLOOR FUND KOTAK DYNAMIC BALANCED FUND

KOTAK DYNAMIC BOND FUND

KOTAK DYNAMIC GILT FUND KOTAK DYNAMIC FLOATING RATE FUND

PEAK GUARANTEE FUND I KOTAK GUARANTEED GROWTH FUND

KOTAK GUARANTEED BALANCED FUND

PENSION CLASSIC OPPORTUNITIES FUND

KOTAK PENSION OPPORTUNITIES FUND

PENSION FRONTLINE EQUITY FUND

PENSION GUARANTEE FUND KOTAK PENSION GROWTH FUND

KOTAK PENSION FLOOR FUND PENSION FLOOR FUND II

KOTAK PENSION BALANCED FUND

PENSION BALANCED FUND II KOTAK PENSION BOND FUND KOTAK PENSION GILT FUND

KOTAK PENSION FLOATING RATE FUND

PENSION MONEY MARKET FUND II

KOTAK ADVANTAGE PLUS FUND II

KOTAK ADVANTAGE MULTIPLIER FUND

KOTAK ADVANTAGE MULTIPLIER FUND II

DISCONTINUED POLICY FUND



INDIVIDUAL FUND

Page 6

CLASSIC OPPORTUNITIES FUND (ULIF-033-16/12/09-CLAOPPFND-107)Fund Strategy : Aims to maximize opportunity for you through long-term capital growth, by holding a significant portion in a diversified and flexible mix of large / medium sized company equities

Performance MeterClassic

Opportunities FundBenchmark

Inception (16-Dec-09) 12.0% 8.0%

6 years 12.0% 7.5%

5 years 9.6% 6.1%

4 years 19.4% 16.2%

3 years 15.5% 11.7%

2 years 22.0% 15.5%

1 year 3.7% -1.5%

6 mth -2.9% -3.5%

3 mth -0.3% 0.8%

1 mth -0.6% 0.4%

Benchmark Details: Equity - 100% (BSE 200)

Equity % to Fund

Infosys Ltd 6.91%

HDFC Bank Ltd 6.38%Larsen And Toubro Ltd 4.16%Maruti Suzuki India Ltd 4.09%Axis Bank Ltd 3.88%Tata Motors Ltd 3.87%Kotak Banking ETF - Dividend Payout Option 3.85%IndusInd Bank Limited 3.76%Tata Consultancy Services Ltd 3.20%Britannia Industries Ltd 2.98%ICICI Bank Ltd 2.87%I T C Ltd 2.63%Sun Pharmaceuticals Ltd 2.57%YES BANK LTD 2.48%UltraTech Cement Ltd 2.19%Hindustan Petroleum Corporation Ltd 2.14%Shree Cement Ltd 1.85%Bharat Petroleum Corporation Ltd 1.72%Zee Entertainment Enterprises Ltd 1.61%Whirlpool Of India Ltd 1.58%Others (Details in the Annexure) 31.91%Total 96.65%

Debt Portfolio % to Fund

CBLO Investments 1.18%

Axis Bank CD - 29.09.2016 0.67%Corporation Bank CD - 11.03.2016 0.36%Axis Bank CD - 22.04.2016 0.26%91 Days T Bill - 22.01.2016 0.23%ICICI Bank CD - 28.06.16 0.11%Vijaya Bank CD - 01.06.2016 0.08%Axis Bank CD - 27.10.2016 0.02%Canara Bank CD - 14.03.2016 0.01%8.00% HDFC Bank FD NSE - 08.08.2016 0.01%8.00% HDFC Bank FD NSE - 24.07.2016 0.01%8.00% HDFC Bank FD BSE - 24.07.2016 0.00%Mutual Fund Investments 0.00%Current Asset/Liabilities 0.40%Others 0.00%Total 3.35%

Assets Under Management (in ` Lakhs)

1,67,613.29

Approved Asset Allocation

Equity Non Equity

75-100% 0-25%

Allocation by Sector - Equity

26.82% 12.20%

11.31% 10.44%

8.11% 7.31% 6.89%

5.46% 3.87%

2.46% 1.79%

Banking&FinanceAuto&AutoAncillary

Information TechFMCGOthers

PharmaCapitalGoods&EngineeringCement&CementProducts

Oil&GasMedia

Fertilisers

Debt Ratings Profile

51.52% 40.05%

7.73% 0.64% 0.08%

A1+

CBLO

Govt&GovtGuaranteedBonds

Fixed Deposit

Mutual Fund Investments

Debt Maturity Profile

100.00%

0%

20%

40%

60%

80%

100%

< 1 Year 1 to <3 Year 3 to <7 Year 7Year&Above

Assets Class % to Fund

96.65%

3.33% 0.02% Equity

CD,CP,T Bills,MF,Repo,CBLO,NCA

NCD, Floaters, ZCB, Long Term Deposits

INDIVIDUAL FUNDINDIVIDUAL FUNDINDIVIDUAL FUNDINDIVIDUAL FUND



INDIVIDUAL FUND

Page 7

FRONTLINE EQUITY FUND (ULIF-034-17/12/09-FRLEQUFND-107)Fund Strategy : Aims for a high level of capital growth for you, by holding a significant portion in large sized company equities

Performance Meter Frontline Equity Fund Benchmark

Inception (17-Dec-09) 10.5% 7.5%

6 years 10.9% 7.1%

5 years 8.8% 5.8%

4 years 18.2% 15.2%

3 years 15.2% 10.7%

2 years 20.3% 13.1%

1 year 4.1% -3.2%

6 mth -1.9% -4.3%

3 mth -0.3% 0.2%

1 mth -0.6% 0.2%


Equity % to Fund

Infosys Ltd 7.20%

HDFC Bank Ltd 6.19%Tata Motors Ltd 3.76%R Shares Banking ETF 3.76%I T C Ltd 3.66%IndusInd Bank Limited 3.63%Maruti Suzuki India Ltd 3.62%Larsen And Toubro Ltd 3.44%Britannia Industries Ltd 3.29%Axis Bank Ltd 3.21%ICICI Bank Ltd 3.19%Sun Pharmaceuticals Ltd 3.03%Tata Consultancy Services Ltd 2.87%Kotak Banking ETF - Dividend Payout Option 2.27%UltraTech Cement Ltd 2.20%YES BANK LTD 2.00%Mahindra&MahindraLtd 1.91%Bharat Petroleum Corporation Ltd 1.84%Asian Paints Ltd 1.79%Hindustan Petroleum Corporation Ltd 1.70%Others (Details in the Annexure) 31.03%Total 95.61%



Axis Bank CD - 29.09.2016 0.67%Corporation Bank CD - 11.03.2016 0.64%Axis Bank CD - 22.04.2016 0.46%The Indian Hotels Company Limited 0.13%Mutual Fund Investments 0.01%8.00% HDFC Bank FD NSE - 24.07.2016 0.01%8.00% HDFC Bank FD NSE - 08.08.2016 0.01%8.00% HDFC Bank FD BSE - 24.07.2016 0.00%Current Asset/Liabilities 0.36%Others 0.00%Total 4.52%


38,598.41


95.61%

4.37% 0.01% Equity




Equity Non Equity

60-100% 0-40%


26.13% 11.61% 11.30%

10.63% 8.51%

7.79% 5.83%

5.16% 3.55%

2.61% 2.50%


Information TechFMCG

PharmaOthers

Cement&CementProductsCapitalGoods&Engineering

Oil&GasPaintsMedia


55.60%

43.87%

0.35% 0.17% CBLO

A1+

Fixed Deposit



100.00%

0%

20%

40%

60%

80%

100%


INDIVIDUAL FUND



INDIVIDUAL FUND

Page 8

DYNAMIC FLOOR FUND II (ULIF-035-17/12/09-DYFLRFND2-107)Fund Strategy : Aims to provide you with stable long-term inflation beating growth over medium to long-term and defend your capital against short-term capital shocks.

Performance Meter Dynamic Floor Fund II Benchmark

Inception (17-Dec-09) 6.1% 8.2%

5 years 6.0% 8.0%

5 years 5.2% 7.7%

4 years 8.4% 11.3%

3 years 6.2% 9.7%

2 years 9.3% 12.0%

1 year -0.5% 4.0%

6 mth -1.3% 1.3%

3 mth -0.5% 0.8%

1 mth -0.2% 0.4%

Benchmark Details: Equity - 37.5% (Nifty); Debt - 62.5% (Crisil Bond)

Equity % to Fund

Infosys Ltd 2.84%

HDFC Bank Ltd 2.56%R Shares Banking ETF 1.55%Tata Motors Ltd 1.54%Maruti Suzuki India Ltd 1.49%IndusInd Bank Limited 1.43%Britannia Industries Ltd 1.39%I T C Ltd 1.34%Sun Pharmaceuticals Ltd 1.30%ICICI Bank Ltd 1.28%Axis Bank Ltd 1.26%Tata Consultancy Services Ltd 1.25%Larsen And Toubro Ltd 1.22%Kotak Banking ETF - Dividend Payout Option 1.17%UltraTech Cement Ltd 0.81%YES BANK LTD 0.72%Asian Paints Ltd 0.70%Zee Entertainment Enterprises Ltd 0.69%Mahindra&MahindraLtd 0.68%Bharat Petroleum Corporation Ltd 0.66%Others (Details in the Annexure) 12.17%Total 38.04%


8.17% GOI - 01.12.2044 11.42%

8.30% GOI - 31.12.2042 7.68%8.13% GOI - 22.06.2045 6.17%8.24% GOI - 10.11.2033 4.86%9.23% GOI - 23.12.2043 2.99%1.44% INFLATION INDEX GS 2023 2.08%7.02% GOI - 17.08.2016 1.75%8.30% REC - 10.04.2025 1.40%Axis Bank CD - 29.09.2016 1.25%8.30% GOI - 02.07.2040 1.02%8.92%L&TFinanceLtd.-06.07.2018 0.91%9.78% Tata Sons - 13.01.2019 0.82%8.90% SAIL - 01.05.2019 CALL 01.05.2014 0.74%8.55% Sundaram Finance - 27.10.17 0.63%LIC Housing Finance Ltd INBMK+120BPS -29.07.16 0.58%9.24% HDFC - 24.06.2024 0.56%HDFC Ltd CP - 10.06.16 0.55%Canara Bank CD - 14.03.2016 0.55%9.98% ICICI Perpetual Bond -CALL 13.09.16. 0.54%Axis Bank CD - 22.04.2016 0.52%Current Asset/Liabilities 1.00%Others 13.95%Total 61.96%


63,336.36


41.22%

38.04%

15.84%

4.90% G Sec., GGB

Equity




Equity Non Equity

0-75% 25-100%


10.68% 4.64% 4.58% 4.34%

3.40% 2.96%

2.15% 1.91%

1.31% 1.09% 0.98%



PharmaOthers


Oil&GasMediaPaints


67.62%

19.99%

6.09%

5.92% 0.30% 0.07% Govt&GovtGuaranteedBonds

AAA

A1+

AA+


Fixed Deposit


12.86% 6.63% 10.27%

70.24%

0%

20%

40%

60%

80%

100%


INDIVIDUAL FUND



INDIVIDUAL FUND

Page 9

BALANCED FUND (ULIF-037-21/12/09-BALKFND-107)Fund Strategy : Aims for moderate growth for you by holding a diversified mix of equities and fixed interest instruments.

Performance Meter Balanced Fund Benchmark

Inception (21-Dec-09) 9.8% 8.1%

5 years 9.9% 7.7%

5 years 8.6% 7.3%

4 years 14.3% 13.0%

3 years 12.3% 10.2%

2 years 16.4% 12.7%

1 year 5.2% 1.6%

6 mth 0.6% -0.6%

3 mth -0.1% 0.7%

1 mth -0.3% 0.3%

Benchmark Details: Equity - 60% (BSE 100); Debt - 40% (Crisil Bond)

Equity % to Fund

Infosys Ltd 4.04%

HDFC Bank Ltd 3.44%Tata Motors Ltd 2.13%I T C Ltd 2.11%Maruti Suzuki India Ltd 2.07%IndusInd Bank Limited 2.03%Larsen And Toubro Ltd 1.92%R Shares Banking ETF 1.90%Britannia Industries Ltd 1.80%ICICI Bank Ltd 1.76%Sun Pharmaceuticals Ltd 1.75%Axis Bank Ltd 1.74%Tata Consultancy Services Ltd 1.63%UltraTech Cement Ltd 1.30%Kotak Banking ETF - Dividend Payout Option 1.16%Mahindra&MahindraLtd 1.11%YES BANK LTD 1.06%Asian Paints Ltd 1.05%Bharat Petroleum Corporation Ltd 1.04%Hindustan Petroleum Corporation Ltd 0.98%Others (Details in the Annexure) 17.39%Total 53.39%


8.17% GOI - 01.12.2044 7.23%

8.30% GOI - 31.12.2042 4.88%8.13% GOI - 22.06.2045 3.95%8.24% GOI - 10.11.2033 3.16%Mutual Fund Investments 3.05%9.23% GOI - 23.12.2043 1.95%ICICI Bank CD - 28.06.16 1.24%7.02% GOI - 17.08.2016 1.13%8.30% REC - 10.04.2025 0.92%7.28% GOI - 03.06.2019 0.80%8.55% Sundaram Finance - 27.10.17 0.69%1.44% INFLATION INDEX GS 2023 0.65%8.30% GOI - 02.07.2040 0.63%8.15% GOI - 24.11.2026 0.61%8.92%L&TFinanceLtd.-06.07.2018 0.58%Axis Bank CD - 06.06.2016 0.56%7.16% GOI - 20.05.2023 0.55%6.01% GOI - 25.03.2028 0.51%9.75% REC - 11.11.2021. 0.49%9.78% Tata Sons - 13.01.2019 0.48%Current Asset/Liabilities 1.22%Others 11.41%Total 46.67%


4,349.60


53.39%

27.79%

12.16%

6.66% Equity

G Sec., GGB




Equity Non Equity

30-60% 40-70%


14.14% 6.57% 6.39%

5.96% 4.90%

4.31% 3.37%

2.87% 2.02%

1.47% 1.38%



PharmaOthers


Oil&GasPaintsMedia


61.23% 21.28%

6.71%


AAA


AA+

A1+

Fixed Deposit


16.17% 7.11% 11.65%

65.08%

0%

20%

40%

60%

80%

100%


INDIVIDUAL FUND



INDIVIDUAL FUND

Page 10

KOTAK OPPORTUNITIES FUND (ULIF-029-02/10/08-OPPFND-107)Fund Strategy : Aims to maximize opportunity for long term capital growth, by holding a significant portion in a diversified and flexible mix of large/medium sized company equities.

Performance Meter Kotak Opportunities Fund Benchmark

Inception (02-Oct-08) 19.1% 10.8%

7 years 19.6% 15.4%

6 years 11.3% 7.5%

5 years 8.9% 6.1%

4 years 18.8% 16.2%

3 years 14.9% 11.7%

2 years 21.5% 15.5%

1 year 2.9% -1.5%

6 mth -3.3% -3.5%

3 mth -0.5% 0.8%

1 mth -0.6% 0.4%


Equity % to Fund

Infosys Ltd 6.96%

HDFC Bank Ltd 6.45%Larsen And Toubro Ltd 4.21%Maruti Suzuki India Ltd 4.11%Axis Bank Ltd 3.93%Kotak Banking ETF - Dividend Payout Option 3.90%Tata Motors Ltd 3.90%IndusInd Bank Limited 3.80%Tata Consultancy Services Ltd 3.25%Britannia Industries Ltd 3.03%ICICI Bank Ltd 2.90%I T C Ltd 2.66%Sun Pharmaceuticals Ltd 2.59%YES BANK LTD 2.53%UltraTech Cement Ltd 2.22%Hindustan Petroleum Corporation Ltd 2.18%Shree Cement Ltd 1.88%Bharat Petroleum Corporation Ltd 1.74%R Shares Banking ETF 1.62%Whirlpool Of India Ltd 1.62%Others (Details in the Annexure) 32.36%Total 97.83%



Axis Bank CD - 29.09.2016 0.68%8.00% HDFC Bank FD NSE - 08.08.2016 0.05%8.00% HDFC Bank FD NSE - 24.07.2016 0.05%8.00% HDFC Bank FD BSE - 24.07.2016 0.02%Mutual Fund Investments 0.00%Current Asset/Liabilities 0.00%Others 0.00%Total 2.17%


94,297.08


97.83%

2.04% 0.13% Equity




Equity Non Equity

75-100% 0-25%


27.20% 12.33%

11.44% 10.62%

8.25% 7.36% 6.96%

5.58% 3.92%

2.38% 1.81%




Oil&GasMedia

Fertilisers


62.49%

31.44%

6.00% 0.07% CBLO

A1+

Fixed Deposit



100.00%

0%

20%

40%

60%

80%

100%


INDIVIDUAL FUND



INDIVIDUAL FUND

Page 11

KOTAK AGGRESSIVE GROWTH FUND (ULIF-018-13/09/04-AGRGWTFND-107)Fund Strategy : Aims for a high level of capital growth by holding a significant portion in large sized company equities.

Performance MeterKotak Aggressive Growth

FundBenchmark

Inception (13-Sep-04) 16.8% 13.5%10 years 13.5% 10.4%7 years 17.4% 14.0%6 years 10.0% 7.1%5 years 8.3% 5.8%4 years 17.9% 15.2%3 years 14.9% 10.7%2 years 19.8% 13.1%1 year 2.9% -3.2%6 mth -2.5% -4.3%3 mth -0.8% 0.2%1 mth -0.7% 0.2%


Equity % to Fund

Infosys Ltd 7.50%

HDFC Bank Ltd 6.57%R Shares Banking ETF 4.33%Larsen And Toubro Ltd 4.22%Maruti Suzuki India Ltd 4.11%Tata Motors Ltd 4.11%I T C Ltd 3.93%IndusInd Bank Limited 3.80%Britannia Industries Ltd 3.72%ICICI Bank Ltd 3.29%Sun Pharmaceuticals Ltd 3.26%Tata Consultancy Services Ltd 3.25%Axis Bank Ltd 3.21%UltraTech Cement Ltd 2.72%Kotak Banking ETF - Dividend Payout Option 2.72%YES BANK LTD 2.35%Bharat Petroleum Corporation Ltd 2.22%Hindustan Petroleum Corporation Ltd 2.02%Asian Paints Ltd 1.94%Mahindra&MahindraLtd 1.79%Others (Details in the Annexure) 27.17%Total 98.23%


Axis Bank CD - 29.09.2016 0.68%

CBLO Investments 0.62%The Indian Hotels Company Limited 0.21%8.00% HDFC Bank FD NSE - 24.07.2016 0.14%8.00% HDFC Bank FD NSE - 08.08.2016 0.14%8.00% HDFC Bank FD BSE - 24.07.2016 0.07%Mutual Fund Investments 0.02%Current Asset/Liabilities 0.09%Others 0.00%Total 1.98%


28,804.01


98.23%

1.42% 0.35% Equity




Equity Non Equity

60-100% 0-40%


28.22% 12.14% 11.77%

10.42% 8.22%

6.04% 5.92% 5.56%

4.24% 2.95% 2.75%

Banking&FinanceInformation Tech

Auto&AutoAncillaryFMCG


OthersOil&Gas

PaintsMedia


40.75%

37.27%

21.04%

0.93% A1+

CBLO

Fixed Deposit



100.00%

0%

20%

40%

60%

80%

100%


INDIVIDUAL FUNDINDIVIDUAL FUND



INDIVIDUAL FUND

Page 12

GUARANTEE FUND (ULIF-048-05/02/10-GRTFND-107)Fund Strategy : Aims to provide stable, long-term inflation beating growth over medium to long-term and defend capital against short-term capital shocks

Performance Meter Guarantee Fund Benchmark

Inception (05-Feb-10) 7.2% 8.8%

5 years 5.4% 7.7%

4 years 8.5% 11.3%

3 years 6.3% 9.7%

2 years 9.5% 12.0%

1 year -0.1% 4.0%

6 mth -0.9% 1.3%

3 mth -0.1% 0.8%

1 mth 0.1% 0.4%

Benchmark Details: Equity - 37.5% (Nifty); Debt - 62.5% (Crisil Bond)

Equity % to Fund

Infosys Ltd 2.75%

I T C Ltd 2.36%HDFC Bank Ltd 2.11%Reliance Industries Ltd 2.11%Housing Development Finance Corp. Ltd 1.97%Tata Consultancy Services Ltd 1.56%ICICI Bank Ltd 1.50%Larsen And Toubro Ltd 1.41%Sun Pharmaceuticals Ltd 1.20%Tata Motors Ltd 1.00%Hindustan Unilever Ltd 0.92%Maruti Suzuki India Ltd 0.83%Mahindra&MahindraLtd 0.80%Axis Bank Ltd 0.74%Bharti Airtel Ltd 0.70%State Bank of India 0.68%Oil&NaturalGasCorporationLtd 0.65%Asian Paints Ltd 0.60%Lupin Ltd 0.60%HCL Technologies Ltd 0.59%Others (Details in the Annexure) 9.63%Total 34.72%


8.17% GOI - 01.12.2044 7.54%

8.30% GOI - 31.12.2042 5.05%8.13% GOI - 22.06.2045 4.06%Canara Bank CD - 14.03.2016 3.99%8.24% GOI - 10.11.2033 3.19%1.44% INFLATION INDEX GS 2023 2.31%HDFC Ltd CP - 10.03.16 2.19%Vijaya Bank CD - 10.03.2016 2.15%Axis Bank CD - 30.03.2016 2.14%ICICI Bank CD - 18.02.16 2.13%9.23% GOI - 23.12.2043 1.96%TATA Capital Ltd CP - 19.08.16 1.76%Axis Bank CD - 22.04.2016 1.40%Mutual Fund Investments 1.35%Axis Bank CD - 29.09.2016 1.29%8.92%L&TFinanceLtd.-06.07.2018 1.24%7.02% GOI - 17.08.2016 1.15%8.30% REC - 10.04.2025 0.99%8.31% GJ SDL - 03.02.2020 0.88%9.78% Tata Sons - 13.01.2019 0.77%Current Asset/Liabilities 1.07%Others 16.69%Total 65.28%


4,046.87


34.72%

30.21%

21.87%

13.20% Equity

G Sec., GGB




Equity Non Equity

0-75% 25-100%


7.93% 5.75%

4.01% 3.47%

3.28% 2.78%

2.39% 1.69%

1.31% 1.14% 0.98%


Auto&AutoAncillaryOil&Gas

FMCGPharmaOthers

CapitalGoods&EngineeringCement&CementProducts

UtilitiesTelecom


47.05%

30.29%

14.63%

5.82% 2.10%

0.11% Govt&GovtGuaranteedBonds

A1+

AAA

AA+


Fixed Deposit


38.19%

6.60% 9.42%

45.80%

0%

20%

40%

60%

80%

100%


INDIVIDUAL FUND



INDIVIDUAL FUND

Page 13

MONEY MARKET FUND (ULIF-041-05/01/10-MNMKKFND-107)Fund Strategy : Aims to protect your capital and not have downside risks

Performance Meter Money Market Fund Benchmark

Inception (5-Jan-10) 7.9% 8.0%

5 years 8.6% 8.6%

4 years 8.8% 8.8%

3 years 8.5% 8.8%

2 years 8.5% 8.7%

1 year 8.3% 8.2%

6 mth 3.9% 3.9%

3 mth 1.9% 1.8%

1 mth 0.6% 0.6%

Benchmark details: Equity - 0% (NA); Debt - 100% (Crisil Liquid)


Mutual Fund Investments 9.34%

ICICI Bank CD - 28.06.16 9.15%TATA Capital Ltd CP - 19.08.16 9.05%IL&FSCP18.08.16 9.02%Vijaya Bank CD - 01.06.2016 9.00%EXIM CD - 16.12.2016 8.99%Axis Bank CD - 27.10.2016 8.94%Corporation Bank CD - 11.03.2016 8.94%STEEL AUTHORITY OF INDIA LTD CP - 07.12.16 8.94%L and T Finance CP - 28.06.2016 8.87%HDFC Ltd CP - 10.06.16 8.75%Current Asset/Liabilities 1.00%Others 0.00%Total 100.00%


15,373.53


100.00%



Equity Non Equity

- 100%


90.56%

9.44%

A1+



100.00%

0%

20%

40%

60%

80%

100%


INDIVIDUAL FUND



INDIVIDUAL FUND

Page 14

KOTAK DYNAMIC GROWTH FUND (ULIF-012-27/06/03-DYGWTFND-107)Fund Strategy : Aims for a high level of capital growth by holding a significant portion in large sized company equities.

Performance MeterKotak Dynamic Growth

FundBenchmark

Inception (27-Jun-03) 15.0% 13.6%10 years 11.2% 9.9%7 years 13.7% 12.5%6 years 9.8% 7.4%5 years 8.6% 6.6%4 years 16.2% 14.1%3 years 13.7% 10.5%2 years 18.1% 13.0%1 year 4.4% -0.8%6 mth -0.7% -2.4%3 mth -0.2% 0.5%1 mth -0.5% 0.3%

Benchmark details: Equity - 80% (BSE 100); Debt - 20% (Crisil Bond)

Equity % to Fund

Infosys Ltd 5.80%

HDFC Bank Ltd 5.10%R Shares Banking ETF 3.48%Maruti Suzuki India Ltd 2.96%Tata Motors Ltd 2.96%IndusInd Bank Limited 2.92%Larsen And Toubro Ltd 2.87%I T C Ltd 2.82%Britannia Industries Ltd 2.68%ICICI Bank Ltd 2.50%Axis Bank Ltd 2.48%Sun Pharmaceuticals Ltd 2.40%Tata Consultancy Services Ltd 2.35%Kotak Banking ETF - Dividend Payout Option 2.14%YES BANK LTD 1.63%UltraTech Cement Ltd 1.60%Bharat Petroleum Corporation Ltd 1.41%Mahindra&MahindraLtd 1.38%Hindustan Petroleum Corporation Ltd 1.37%Asian Paints Ltd 1.34%Others (Details in the Annexure) 24.55%Total 76.75%


9.23% GOI - 23.12.2043 2.74%

8.17% GOI - 01.12.2044 2.46%8.30% GOI - 31.12.2042 2.07%11.15% REC - 24.10.2018 1.74%8.13% GOI - 22.06.2045 1.57%8.30% GOI - 02.07.2040 1.24%8.24% GOI - 10.11.2033 1.23%7.16% GOI - 20.05.2023 0.87%9.36% IDFC Bank - 21.08.24 0.86%Mutual Fund Investments 0.85%8.84% PGC - 21.10.2019 0.83%8.42% TN SDL - 25.08.2020 0.66%9.85% HDFC Bank 2019 - 17.03.2024 CALL 17.03.2019 0.51%9.70% PFC - 15.12.2018 0.51%8.65% PFC - 28.12.2024 0.50%LIC Housing Finance Ltd INBMK+120BPS -29.07.16 0.49%8.28% GOI - 21.09.2027 0.40%7.95% MAH SDL - 03.07.2023 0.40%9.02% REC - 19.11.2022 0.34%8.20% OMC GOI 2023-10.11.23 0.31%Current Asset/Liabilities 0.69%Others 2.14%Total 23.42%


6,145.72


76.75%

15.14%

6.57% 1.54%

Equity

G Sec., GGB




Equity Non Equity

40-80% 20-60%


21.77% 9.12% 9.11%

8.51% 6.45% 6.28%

4.42% 4.24%

2.77% 2.09% 1.98%



PharmaCement&CementProducts

CapitalGoods&EngineeringOil&Gas

MediaPaints


67.08%

27.79%

3.78% 1.35% Govt&GovtGuaranteedBonds

AAA


Fixed Deposit


8.44% 9.96% 15.01%

66.58%

0%

20%

40%

60%

80%

100%


INDIVIDUAL FUND



INDIVIDUAL FUND

Page 15

DYNAMIC FLOOR FUND (ULIF-028-14/11/06-DYFLRFND-107)Fund Strategy : Aims to provide you with stable long-term inflation beating growth over medium to long-term and defend your capital against short-term capital shocks.

Performance Meter Dynamic Floor Fund Benchmark

Inception (14-Nov-06) 9.1% 8.4%7 years 7.6% 10.7%6 years 5.5% 8.0%5 years 4.9% 7.7%4 years 7.8% 11.3%3 years 5.6% 9.7%2 years 9.1% 12.0%1 year -0.4% 4.0%6 mth -0.9% 1.3%3 mth -0.3% 0.8%1 mth 0.1% 0.4%

Benchmark details: Equity - 37.5% (Nifty); Debt - 62.5% (Crisil Bond)

Equity % to Fund

Infosys Ltd 2.61%I T C Ltd 2.24%HDFC Bank Ltd 2.00%Reliance Industries Ltd 2.00%Housing Development Finance Corp. Ltd 1.87%Tata Consultancy Services Ltd 1.48%ICICI Bank Ltd 1.42%Larsen And Toubro Ltd 1.34%Sun Pharmaceuticals Ltd 1.14%Tata Motors Ltd 0.95%Hindustan Unilever Ltd 0.88%Maruti Suzuki India Ltd 0.79%Mahindra&MahindraLtd 0.76%Axis Bank Ltd 0.70%Bharti Airtel Ltd 0.66%State Bank of India 0.65%Oil&NaturalGasCorporationLtd 0.62%Asian Paints Ltd 0.57%Lupin Ltd 0.57%HCL Technologies Ltd 0.56%Others (Details in the Annexure) 9.14%Total 32.95%


8.17% GOI - 01.12.2044 7.45%8.30% GOI - 31.12.2042 5.03%8.13% GOI - 22.06.2045 3.92%Canara Bank CD - 14.03.2016 3.86%8.24% GOI - 10.11.2033 3.18%Mutual Fund Investments 2.85%1.44% INFLATION INDEX GS 2023 2.16%ICICI Bank CD - 18.02.16 2.10%HDFC Ltd CP - 10.03.16 2.08%Vijaya Bank CD - 10.03.2016 2.08%Axis Bank CD - 30.03.2016 2.08%9.23% GOI - 23.12.2043 1.96%TATA Capital Ltd CP - 19.08.16 1.72%Axis Bank CD - 22.04.2016 1.24%Axis Bank CD - 29.09.2016 1.23%7.02% GOI - 17.08.2016 1.14%8.92%L&TFinanceLtd.-06.07.2018 0.95%8.30% REC - 10.04.2025 0.91%9.78% Tata Sons - 13.01.2019 0.80%8.90% SAIL - 01.05.2019 CALL 01.05.2014 0.78%Current Asset/Liabilities 0.96%Others 18.56%Total 67.05%


95,088.80


32.95%

28.88%

22.70%

15.46% Equity

G Sec., GGB




Equity Non Equity

0-75% 25-100%


7.52% 5.46%

3.81% 3.29% 3.12%

2.63% 2.27%

1.60% 1.24% 1.08% 0.93%



FMCGPharmaOthers


UtilitiesTelecom


43.69%

28.59%

17.85%


A1+

AAA

AA+


Fixed Deposit


38.53%

5.93% 10.14%

45.41%

0%

20%

40%

60%

80%

100%


INDIVIDUAL FUND



INDIVIDUAL FUND

Page 16

KOTAK DYNAMIC BALANCED FUND (ULIF-009-27/06/03-DYBALFND-107)Fund Strategy : Aims for moderate growth by holding a diversified mix of equities and fixed interest instruments.

Performance MeterKotak Dynamic Balanced

FundBenchmark

Inception (27-Jun-03) 13.7% 12.0%10 years 11.1% 9.5%7 years 12.7% 11.4%6 years 9.5% 7.7%5 years 8.8% 7.3%4 years 14.6% 13.0%3 years 12.5% 10.2%2 years 16.6% 12.7%1 year 5.1% 1.6%6 mth 0.5% -0.6%3 mth -0.1% 0.7%1 mth -0.3% 0.3%


Equity % to Fund

Infosys Ltd 4.29%HDFC Bank Ltd 3.78%R Shares Banking ETF 2.54%IndusInd Bank Limited 2.18%Tata Motors Ltd 2.15%Larsen And Toubro Ltd 2.12%Maruti Suzuki India Ltd 2.08%I T C Ltd 2.07%ICICI Bank Ltd 1.84%Axis Bank Ltd 1.78%Sun Pharmaceuticals Ltd 1.74%Britannia Industries Ltd 1.63%Tata Consultancy Services Ltd 1.62%Kotak Banking ETF - Dividend Payout Option 1.55%YES BANK LTD 1.27%UltraTech Cement Ltd 1.17%Bharat Petroleum Corporation Ltd 1.11%Mahindra&MahindraLtd 1.11%Asian Paints Ltd 1.02%Hindustan Petroleum Corporation Ltd 0.99%Others (Details in the Annexure) 18.28%Total 56.35%


8.17% GOI - 01.12.2044 7.43%8.30% GOI - 31.12.2042 4.99%8.13% GOI - 22.06.2045 4.03%Mutual Fund Investments 3.35%8.24% GOI - 10.11.2033 3.19%9.23% GOI - 23.12.2043 1.96%1.44% INFLATION INDEX GS 2023 1.44%7.02% GOI - 17.08.2016 1.14%8.30% REC - 10.04.2025 1.10%8.85% PGC - 19.10.2026 0.71%8.30% GOI - 02.07.2040 0.66%Axis Bank CD - 06.06.2016 0.59%9.75% REC - 11.11.2021. 0.58%9.36% IDFC Bank - 21.08.24 0.58%9.39% LIC Housing Finance - 23.08.2024 - P - 26.08.15 0.58%9.85% HDFC Bank 2019 - 17.03.2024 CALL 17.03.2019 0.57%9.24% HDFC - 24.06.2024 0.57%9.45% HDFC - 21.08.2019 P - 21.09.15 0.57%9.78% Tata Sons - 13.01.2019 0.57%10.10% HDFC - 13.09.2017 0.57%Current Asset/Liabilities 0.64%Others 7.98%Total 43.78%


1,819.31


56.35% 27.35%

11.47%

4.84% Equity

G Sec., GGB




Equity Non Equity

30-60% 40-70%


16.09% 6.62% 6.54%

5.90% 4.92% 4.72%

3.26% 3.13%

2.10% 1.55% 1.51%


Auto&AutoAncillaryFMCG

PharmaOthers


Oil&GasPaintsMedia


63.59%

21.69%

7.78%


AAA


AA+

A1+

Fixed Deposit


14.79% 5.58% 8.90%

70.73%

0%

20%

40%

60%

80%

100%


INDIVIDUAL FUND



INDIVIDUAL FUND

Page 17

KOTAK DYNAMIC BOND FUND (ULIF-015-15/04/04-DYBNDFND-107)Fund Strategy : Aims to preserve capital and minimize downside risk, with investment in debt and government instruments.

Performance MeterKotak Dynamic Bond

FundBenchmark

Inception (15-Apr-04) 8.5% 6.3%10 years 9.2% 7.1%7 years 8.6% 7.3%6 years 8.8% 7.9%5 years 9.1% 8.5%4 years 9.3% 9.0%3 years 8.4% 8.8%2 years 11.2% 11.4%1 year 6.8% 8.6%6 mth 4.2% 5.0%3 mth 0.0% 1.2%1 mth 0.1% 0.5%

Benchmark details: Equity - 0% (NA); Debt - 100% (Crisil Bond)


8.17% GOI - 01.12.2044 18.37%

8.30% GOI - 31.12.2042 12.38%8.13% GOI - 22.06.2045 10.10%8.24% GOI - 10.11.2033 7.97%9.23% GOI - 23.12.2043 4.91%1.44% INFLATION INDEX GS 2023 3.16%7.02% GOI - 17.08.2016 2.86%Mutual Fund Investments 2.33%8.30% REC - 10.04.2025 2.25%8.55% Sundaram Finance - 27.10.17 1.74%Axis Bank CD - 06.06.2016 1.69%8.30% GOI - 02.07.2040 1.64%8.92%L&TFinanceLtd.-06.07.2018 0.94%9.24% HDFC - 24.06.2024 0.92%9.85% Shriram Transport Finance Co Ltd 15.07.2017 0.89%10.05% Bajaj Finance Ltd - 10.01.2017 0.86%LIC Housing Finance Ltd INBMK+120BPS -29.07.16 0.84%10.08% IOT Utkal Energy Services Limited - 20.03.2026 0.75%ICICI Bank CD - 10.06.16 0.75%8.23% MAH SDL - 09.09.2025 0.74%Current Asset/Liabilities 1.73%Others 22.18%Total 100.00%


85,682.72


66.74%

26.76%

6.50% G Sec., GGB




Equity Non Equity

- 100%


67.92%

20.99%

5.99%

2.48% 2.37% 0.24%


AAA

AA+

A1+


Fixed Deposit


10.76% 7.05% 8.73%

73.45%

0%

20%

40%

60%

80%

100%


INDIVIDUAL FUND



INDIVIDUAL FUND

Page 18

KOTAK DYNAMIC GILT FUND (ULIF-006-27/06/03-DYGLTFND-107)Fund Strategy : Aims to preserve your capital and minimize your downside risk, with investment in debt and government instruments.

Performance Meter Kotak Dynamic Gilt Fund Benchmark

Inception (27-Jun-03) 7.2% 7.3%10 years 7.9% 8.1%7 years 6.6% 6.8%6 years 8.3% 8.5%5 years 8.7% 9.0%4 years 9.3% 9.6%3 years 8.4% 9.1%2 years 12.0% 11.7%1 year 6.8% 8.4%6 mth 4.0% 5.0%3 mth -0.2% 1.0%1 mth 0.0% 0.6%

Benchmark details: Equity - 0% (NA); Debt - 100% (IBEX)


8.17% GOI - 01.12.2044 18.62%

8.30% GOI - 31.12.2042 13.14%8.13% GOI - 22.06.2045 10.03%Mutual Fund Investments 8.07%8.24% GOI - 10.11.2033 7.60%9.23% GOI - 23.12.2043 4.67%8.99% MP SDL - 07.03.2022 3.81%7.02% GOI - 17.08.2016 2.73%8.63% MH SDL - 09.01.2023 2.62%9.39% GJ SDL - 20.11.2023 2.53%9.11% MP SDL - 28.05.2024 2.37%8.25% MH SDL - 13.05.2025 2.13%1.44% INFLATION INDEX GS 2023 2.07%8.98% PN SDL - 14.10.2021 1.98%8.91% MAH SDL - 05.09.2022 1.95%8.52% GJ SDL - 19.01.2021 1.91%8.40% Oil Bond - 29.03.26 1.65%8.30% GOI - 02.07.2040 1.57%8.92% KA SDL - 07.03.2022 1.32%8.25% MH SDL - 10.06.2025 0.84%Current Asset/Liabilities 2.61%Others 5.81%Total 100.00%


4,159.01


89.32%

10.68% G Sec., GGB



Equity Non Equity

- 100%


91.71%

8.29%




11.08% 0.00%

13.03%

75.88%

0%

20%

40%

60%

80%

100%


INDIVIDUAL FUND



INDIVIDUAL FUND

Page 19

KOTAK DYNAMIC FLOATING RATE FUND (ULIF-020-07/12/04-DYFLTRFND-107)Fund Strategy : Aims to preserve capital and minimize downside risk, with investment in debt and government instruments.

Performance MeterKotak Dynamic Floating

Rate FundBenchmark

Inception (7-Dec-04) 7.6% 7.2%7 years 7.9% 7.5%7 years 7.8% 7.6%6 years 8.4% 8.0%5 years 9.0% 8.6%4 years 9.4% 8.8%3 years 9.7% 8.8%2 years 9.1% 8.7%1 year 7.4% 8.2%6 mth 3.5% 3.9%3 mth 1.2% 1.8%1 mth 0.5% 0.6%



GOI FRB - 21.12.2020 12.78%HDFC Ltd Floater 5 Year INBMK + 120 bps - 18.01.2016 8.08%L&TFinanceLtdNSEMibor+1.55%-28.10.2016 7.69%IL&FSCP18.08.16 7.45%8.19% GOI - 16.01.2020 7.28%EXIM Floater INCMTBMK + 100 bps - 09.08.2016 7.24%LIC Housing Finance Ltd INBMK+120BPS -29.07.16 5.81%8.13% GOI - 22.06.2045 5.30%5.59% GOI - 04.06.2016 4.48%6.05% GOI - 12.06.2019 4.23%Vijaya Bank CD - 01.06.2016 3.73%Corporation Bank CD - 11.03.2016 3.27%TATA Capital Ltd CP - 19.08.16 2.98%8.13% OMC GOI Special Bond - 16.10.21 2.84%Axis Bank CD - 27.10.2016 2.53%9.37% MAH SDL - 04.12.2023 2.44%7.28% GOI - 03.06.2019 2.31%8.51% PN SDL - 10.04.2023 2.05%Mutual Fund Investments 1.92%9.65% TN SDL - 12.03.2024 1.77%Current Asset/Liabilities 1.69%Others 2.13%Total 100.00%


2,230.52


41.60%

34.82%

23.59% NCD, Floaters, ZCB, Long Term Deposits

G Sec., GGB



Equity Non Equity

- 100%


48.42%

21.49%

20.31%


AAA

A1+

AA+



56.14%

29.94%

13.92%

0%

20%

40%

60%

80%

100%


INDIVIDUAL FUND



INDIVIDUAL FUND

Page 20

PEAK GUARANTEE FUND I (ULIF-049-14/02/10-PKGRTFND1-107)Fund Strategy : Aims for a high level of capital growth by holding a significant portion in large sized company equities.

Performance Meter Peak Guarantee Fund I Benchmark

Inception (14-Feb-10) 6.4% 8.7%

5 years 5.2% 7.7%

4 years 8.1% 11.3%

3 years 6.0% 9.7%

2 years 9.1% 12.0%

1 year -0.4% 4.0%

6 mth -1.0% 1.3%

3 mth -0.2% 0.8%

1 mth 0.1% 0.4%


Equity % to Fund

Infosys Ltd 2.61%



8.17% GOI - 01.12.2044 7.48%

8.30% GOI - 31.12.2042 5.02%8.13% GOI - 22.06.2045 4.05%Mutual Fund Investments 4.04%Canara Bank CD - 14.03.2016 3.91%8.24% GOI - 10.11.2033 3.19%1.44% INFLATION INDEX GS 2023 2.64%ICICI Bank CD - 18.02.16 2.11%Vijaya Bank CD - 10.03.2016 2.11%HDFC Ltd CP - 10.03.16 2.10%Axis Bank CD - 30.03.2016 2.10%9.23% GOI - 23.12.2043 1.96%TATA Capital Ltd CP - 19.08.16 1.83%Axis Bank CD - 22.04.2016 1.37%8.31% GJ SDL - 03.02.2020 1.30%Axis Bank CD - 29.09.2016 1.26%7.02% GOI - 17.08.2016 1.14%8.92%L&TFinanceLtd.-06.07.2018 1.07%9.78% Tata Sons - 13.01.2019 0.88%8.90% SAIL - 01.05.2019 CALL 01.05.2014 0.87%Current Asset/Liabilities 0.90%Others 15.80%Total 67.12%


2,342.05


32.88%

31.37%

23.93%

11.82% Equity

G Sec., GGB




Equity Non Equity

0-100% 0-100%


7.51% 5.45%

3.80% 3.29%

3.11% 2.63%

2.27% 1.60%

1.24% 1.08% 0.93%



FMCGPharmaOthers


UtilitiesTelecom


47.37%

28.68%

12.51%

6.10% 5.16%


A1+

AAA


AA+

Fixed Deposit


41.07%

5.52% 9.12%

44.28%

0%

20%

40%

60%

80%

100%


INDIVIDUAL FUND



INDIVIDUAL FUND

Page 21

KOTAK GUARANTEED GROWTH FUND (ULIF-013-27/06/03-GRTGWTFND-107)Fund Strategy : Aims for a high level of capital growth by holding a significant portion in large sized company equities.


1,10,132.52

Performance MeterKotak Guaranteed

Growth FundBenchmark

Inception (27-Jun-03) 13.7% 11.5%10 years 9.5% 9.4%7 years 10.6% 11.1%6 years 8.7% 8.0%5 years 8.4% 7.7%4 years 12.5% 11.7%3 years 10.6% 9.8%2 years 14.9% 12.4%1 year 5.1% 4.0%6 mth 0.6% 1.3%3 mth -0.2% 0.9%1 mth -0.4% 0.4%


Equity % to Fund

Infosys Ltd 4.17%HDFC Bank Ltd 3.61%R Shares Banking ETF 2.52%Tata Motors Ltd 2.11%IndusInd Bank Limited 2.11%Maruti Suzuki India Ltd 2.10%I T C Ltd 1.82%Britannia Industries Ltd 1.81%Axis Bank Ltd 1.77%Larsen And Toubro Ltd 1.72%ICICI Bank Ltd 1.71%Tata Consultancy Services Ltd 1.67%Sun Pharmaceuticals Ltd 1.61%Kotak Banking ETF - Dividend Payout Option 1.51%UltraTech Cement Ltd 1.41%YES BANK LTD 1.21%Bharat Petroleum Corporation Ltd 1.10%Mahindra&MahindraLtd 1.08%Asian Paints Ltd 0.99%Hindustan Petroleum Corporation Ltd 0.98%Others (Details in the Annexure) 17.44%Total 54.45%


8.17% GOI - 01.12.2044 8.21%8.30% GOI - 31.12.2042 5.54%8.13% GOI - 22.06.2045 4.48%8.24% GOI - 10.11.2033 3.57%9.23% GOI - 23.12.2043 2.21%1.44% INFLATION INDEX GS 2023 2.18%7.02% GOI - 17.08.2016 1.29%Mutual Fund Investments 1.07%8.30% REC - 10.04.2025 0.99%8.30% GOI - 02.07.2040 0.75%Axis Bank CD - 06.06.2016 0.72%LIC Housing Finance Ltd INBMK+120BPS -29.07.16 0.68%8.55% Sundaram Finance - 27.10.17 0.49%10.05% Bajaj Finance Ltd - 10.01.2017 0.47%9.85% Shriram Transport Finance Co Ltd 15.07.2017 0.41%10.75% Shriram Transport Finance Co Ltd 24.10.2016 0.40%9.24% HDFC - 24.06.2024 0.39%10.08% IOT Utkal Energy Services Limited - 20.03.2023 0.37%8.40% Oil Bond - 29.03.26 0.34%10.08% IOT Utkal Energy Services Limited - 20.03.2022 0.33%Current Asset/Liabilities 0.44%Others 10.36%Total 45.68%


54.45%

31.30%

11.72% 2.54%

Equity

G Sec., GGB




Equity Non Equity

0-80% 20-100%


15.55% 6.71% 6.52%

5.80% 4.58% 4.51%

3.07% 2.69%

2.07% 1.48% 1.47%





PaintsMedia


69.18%

19.98%

5.62%

2.36% 2.29% 0.56%


AAA

AA+


A1+

Fixed Deposit


11.73% 5.96% 8.07%

74.24%

0%

20%

40%

60%

80%

100%


INDIVIDUAL FUND



INDIVIDUAL FUND

Page 22

KOTAK GUARANTEED BALANCED FUND (ULIF-010-27/06/03-GRTBALFND-107)Fund Strategy : Aims for moderate growth by holding a diversified mix of equities and fixed interest instruments.

Performance MeterKotak Guaranteed

Balanced FundBenchmark



Equity % to Fund

Infosys Ltd 3.48%HDFC Bank Ltd 2.99%R Shares Banking ETF 2.12%Tata Motors Ltd 1.76%Maruti Suzuki India Ltd 1.70%IndusInd Bank Limited 1.67%I T C Ltd 1.52%Axis Bank Ltd 1.47%ICICI Bank Ltd 1.45%Larsen And Toubro Ltd 1.43%Tata Consultancy Services Ltd 1.40%Kotak Banking ETF - Dividend Payout Option 1.36%Sun Pharmaceuticals Ltd 1.34%Britannia Industries Ltd 1.33%UltraTech Cement Ltd 0.97%Bharat Petroleum Corporation Ltd 0.92%YES BANK LTD 0.84%Asian Paints Ltd 0.81%Mahindra&MahindraLtd 0.79%Zee Entertainment Enterprises Ltd 0.76%Others (Details in the Annexure) 14.30%Total 44.41%


8.17% GOI - 01.12.2044 10.25%8.30% GOI - 31.12.2042 6.84%8.13% GOI - 22.06.2045 5.54%8.24% GOI - 10.11.2033 4.36%1.44% INFLATION INDEX GS 2023 2.82%9.23% GOI - 23.12.2043 2.68%7.02% GOI - 17.08.2016 1.57%8.30% REC - 10.04.2025 1.26%8.30% GOI - 02.07.2040 0.91%Axis Bank CD - 06.06.2016 0.78%10.08% IOT Utkal Energy Services Limited - 20.03.2026 0.71%9.78% Tata Sons - 13.01.2019 0.65%10.05% Bajaj Finance Ltd - 10.01.2017 0.64%10.08% IOT Utkal Energy Services Limited - 20.03.2023 0.60%9.24% HDFC - 24.06.2024 0.55%10.08% IOT Utkal Energy Services Limited - 20.03.2022 0.55%10.08% IOT Utkal Energy Services Limited - 20.03.2024 0.54%9.85% Shriram Transport Finance Co Ltd 15.07.2017 0.54%8.92%L&TFinanceLtd.-06.07.2018 0.53%8.55% Sundaram Finance - 27.10.17 0.52%Current Asset/Liabilities 0.54%Others 12.32%Total 55.69%


9,495.02


44.41%

38.89%

14.95% 1.75%

Equity

G Sec., GGB




Equity Non Equity

0-60% 40-100%


12.81% 5.46% 5.43%

4.55% 3.77% 3.74%

2.34% 2.24%

1.67% 1.24% 1.16%


Auto&AutoAncillaryFMCGOthers



MediaPaints


70.45%

20.35%

6.71% 2.09% 0.29%


AAA

AA+

A1+

Fixed Deposit



8.10% 6.97% 8.34%

76.59%

0%

20%

40%

60%

80%

100%


INDIVIDUAL FUND



INDIVIDUAL FUND

Page 23

PENSION CLASSIC OPPORTUNITIES FUND (ULIF-042-07/01/10-PNCLAOPFND-107)Fund Strategy : Aims to maximize opportunity for long term capital growth by holding significant portions in a diversified and flexible mix of large/medium sized stocks.


27.35% 12.36%

11.40% 10.46%

8.34% 7.59% 7.02%

5.33% 3.90%

2.36% 1.67%




Oil&GasMedia

Infrastructure

Performance MeterPension Classic


Inception (7-Jan-10) 12.7% 7.3%

5 years 9.6% 6.1%

4 years 19.6% 16.2%

3 years 15.8% 11.7%

2 years 22.3% 15.5%

1 year 3.5% -1.5%

6 mth -3.2% -3.5%

3 mth -0.5% 0.8%

1 mth -0.6% 0.4%


Equity % to Fund

Infosys Ltd 6.88%

HDFC Bank Ltd 6.37%Larsen And Toubro Ltd 4.29%Maruti Suzuki India Ltd 4.14%Kotak Banking ETF - Dividend Payout Option 4.03%Axis Bank Ltd 3.86%Tata Motors Ltd 3.83%IndusInd Bank Limited 3.73%Tata Consultancy Services Ltd 3.22%Britannia Industries Ltd 3.03%ICICI Bank Ltd 2.93%I T C Ltd 2.64%Sun Pharmaceuticals Ltd 2.62%YES BANK LTD 2.53%Hindustan Petroleum Corporation Ltd 2.12%UltraTech Cement Ltd 2.00%Shree Cement Ltd 1.86%Bharat Petroleum Corporation Ltd 1.78%R Shares Banking ETF 1.71%Whirlpool Of India Ltd 1.62%Others (Details in the Annexure) 32.60%Total 97.77%


Axis Bank CD - 29.09.2016 0.70%CBLO Investments 0.28%8.00% HDFC Bank FD NSE - 08.08.2016 0.01%8.00% HDFC Bank FD NSE - 24.07.2016 0.01%Mutual Fund Investments 0.01%8.00% HDFC Bank FD BSE - 24.07.2016 0.01%Current Asset/Liabilities 1.21%Others 0.00%Total 2.23%


14,415.58


97.77%

2.20% 0.03% Equity




Equity Non Equity

75-100% 0-25%


69.24%

27.36%

2.75% 0.66% A1+

CBLO

Fixed Deposit



100.00%

0%

20%

40%

60%

80%

100%


INDIVIDUAL FUND



INDIVIDUAL FUND

Page 24

KOTAK PENSION OPPORTUNITIES FUND (ULIF-032-17/07/09-PNOPPFND-107)Fund Strategy : Aims to maximize opportunity for long term capital growth by holding significant portions in a diversified and flexible mix of large/medium sized stocks

Performance MeterKotak Pension


Inception (17-Jul-09) 11.5% 9.9%

6 years 11.1% 7.5%

5 years 8.8% 6.1%

4 years 18.6% 16.2%

3 years 14.6% 11.7%

2 years 21.2% 15.5%

1 year 3.1% -1.5%

6 mth -3.3% -3.5%

3 mth -0.5% 0.8%

1 mth -0.6% 0.4%


Equity % to Fund

Infosys Ltd 6.84%

HDFC Bank Ltd 6.32%Larsen And Toubro Ltd 4.15%Maruti Suzuki India Ltd 4.06%Axis Bank Ltd 3.87%Kotak Banking ETF - Dividend Payout Option 3.84%Tata Motors Ltd 3.84%IndusInd Bank Limited 3.76%Tata Consultancy Services Ltd 3.19%Britannia Industries Ltd 2.98%ICICI Bank Ltd 2.85%I T C Ltd 2.62%Sun Pharmaceuticals Ltd 2.55%YES BANK LTD 2.46%UltraTech Cement Ltd 2.17%Hindustan Petroleum Corporation Ltd 2.14%Shree Cement Ltd 1.83%Bharat Petroleum Corporation Ltd 1.72%Zee Entertainment Enterprises Ltd 1.60%R Shares Banking ETF 1.59%Others (Details in the Annexure) 31.98%Total 96.38%



Axis Bank CD - 29.09.2016 0.66%Mutual Fund Investments 0.16%8.00% HDFC Bank FD NSE - 24.07.2016 0.02%8.00% HDFC Bank FD NSE - 08.08.2016 0.02%8.00% HDFC Bank FD BSE - 24.07.2016 0.01%Current Asset/Liabilities -0.02%Others 0.00%Total 3.62%


2,709.53


96.38%

3.57% 0.05% Equity




Equity Non Equity

75-100% 0-25%


26.74% 12.13%

11.25% 10.44%

8.15% 7.30% 6.86%

5.44% 3.85%

2.44% 1.77%




Oil&GasMedia

Fertilisers


76.06%

18.23%

4.39% 1.32% CBLO

A1+


Fixed Deposit


100.00%

0%

20%

40%

60%

80%

100%


INDIVIDUAL FUND



INDIVIDUAL FUND

Page 25

PENSION FRONTLINE EQUITY FUND (ULIF-044-11/01/10-PNFRLEQFND-107)Fund Strategy : Aims for a high level of capital growth by holding a significant portion in large sized company equities.

Performance MeterPension Frontline Equity

FundBenchmark

Inception (11-Jan-10) 11.7% 6.9%

5 years 8.8% 5.8%

4 years 18.4% 15.2%

3 years 15.4% 10.7%

2 years 20.5% 13.1%

1 year 4.0% -3.2%

6 mth -1.9% -4.3%

3 mth -0.3% 0.2%

1 mth -0.7% 0.2%


Equity % to Fund

Infosys Ltd 7.54%

HDFC Bank Ltd 6.61%R Shares Banking ETF 4.16%IndusInd Bank Limited 3.97%Tata Motors Ltd 3.85%Maruti Suzuki India Ltd 3.79%Axis Bank Ltd 3.31%ICICI Bank Ltd 3.21%I T C Ltd 3.16%Kotak Banking ETF - Dividend Payout Option 3.15%Larsen And Toubro Ltd 3.10%Britannia Industries Ltd 2.99%Tata Consultancy Services Ltd 2.98%Sun Pharmaceuticals Ltd 2.91%YES BANK LTD 2.43%UltraTech Cement Ltd 2.20%Bharat Petroleum Corporation Ltd 2.06%Mahindra&MahindraLtd 1.96%Hindustan Petroleum Corporation Ltd 1.78%

Zee Entertainment Enterprises Ltd 1.78%

Others (Details in the Annexure) 31.85%Total 98.77%


CBLO Investments 0.99%Axis Bank CD - 29.09.2016 0.69%The Indian Hotels Company Limited 0.22%Mutual Fund Investments 0.08%8.00% HDFC Bank FD NSE - 08.08.2016 0.01%8.00% HDFC Bank FD NSE - 24.07.2016 0.01%8.00% HDFC Bank FD BSE - 24.07.2016 0.01%Current Asset/Liabilities -0.57%Others 0.00%Total 1.45%


3,021.69


98.77%

1.20% 0.03% Equity




Equity Non Equity

60-100% 0-40%


28.91% 12.01% 11.77%

10.00% 8.46%

7.42% 5.93%

4.90% 3.84%

2.83% 2.71%





MediaPaints


55.27% 38.35%

4.69% 1.69% CBLO

A1+


Fixed Deposit


100.00%

0%

20%

40%

60%

80%

100%


INDIVIDUAL FUND



INDIVIDUAL FUND

Page 26

PENSION GUARANTEE FUND (ULIF-038-21/12/09-PNGRTFND-107)Fund Strategy : Aims to provide stable, long-term inflation beating growth over medium to long-term and defend capital against short-term capital shocks

Performance MeterPension

Guarantee FundBenchmark

Inception (21-Dec-09) 6.2% 8.4%

6 years 6.1% 8.0%

5 years 5.3% 7.7%

4 years 8.5% 11.3%

3 years 6.3% 9.7%

2 years 9.6% 12.0%

1 year -0.2% 4.0%

6 mth -0.9% 1.3%

3 mth -0.2% 0.8%

1 mth 0.1% 0.4%


Equity % to Fund

Infosys Ltd 2.75%



8.17% GOI - 01.12.2044 7.50%

8.30% GOI - 31.12.2042 5.03%8.13% GOI - 22.06.2045 4.04%Canara Bank CD - 14.03.2016 3.95%8.24% GOI - 10.11.2033 3.19%1.44% INFLATION INDEX GS 2023 2.52%Vijaya Bank CD - 10.03.2016 2.13%Axis Bank CD - 30.03.2016 2.12%ICICI Bank CD - 18.02.16 2.12%HDFC Ltd CP - 10.03.16 2.08%9.23% GOI - 23.12.2043 1.96%TATA Capital Ltd CP - 19.08.16 1.66%Mutual Fund Investments 1.43%Axis Bank CD - 22.04.2016 1.41%Axis Bank CD - 29.09.2016 1.30%7.02% GOI - 17.08.2016 1.15%8.30% REC - 10.04.2025 1.01%8.92%L&TFinanceLtd.-06.07.2018 0.92%8.31% GJ SDL - 03.02.2020 0.90%9.78% Tata Sons - 13.01.2019 0.85%Current Asset/Liabilities 0.95%Others 17.10%Total 65.32%


10,909.00


34.68%

30.54%

21.47%

13.31% Equity

G Sec., GGB




Equity Non Equity

0-75% 0-100%


7.92% 5.75%

4.01% 3.47%

3.28% 2.77%

2.39% 1.68%

1.31% 1.13% 0.98%



FMCGPharmaOthers


UtilitiesTelecom


47.44%

29.66%

15.80%


A1+

AAA

AA+


Fixed Deposit


37.97%

5.46% 9.91%

46.65%

0%

20%

40%

60%

80%

100%


INDIVIDUAL FUND



INDIVIDUAL FUND

Page 27

KOTAK PENSION GROWTH FUND (ULIF-030-07/01/09-PNGWTFND-107)Fund Strategy : Aims for a high level of capital growth by holding a significant portion in large sized company equities.

Performance MeterKotak Pension Growth

FundBenchmark

Inception (7-Jan-09) 11.4% 11.3%

6 years 8.7% 8.0%

5 years 8.2% 7.7%

4 years 12.4% 11.7%

3 years 10.5% 9.8%

2 years 14.8% 12.4%

1 year 5.0% 4.0%

6 mth 0.6% 1.3%

3 mth -0.2% 0.9%

1 mth -0.4% 0.4%


Equity % to Fund

Infosys Ltd 4.15%

HDFC Bank Ltd 3.66%R Shares Banking ETF 2.17%Tata Motors Ltd 2.15%Maruti Suzuki India Ltd 2.14%IndusInd Bank Limited 2.11%I T C Ltd 1.88%ICICI Bank Ltd 1.83%Axis Bank Ltd 1.78%Sun Pharmaceuticals Ltd 1.75%Larsen And Toubro Ltd 1.70%Tata Consultancy Services Ltd 1.67%Britannia Industries Ltd 1.58%Kotak Banking ETF - Dividend Payout Option 1.47%UltraTech Cement Ltd 1.14%Mahindra&MahindraLtd 1.13%Bharat Petroleum Corporation Ltd 1.09%YES BANK LTD 1.01%Asian Paints Ltd 1.01%Hindustan Petroleum Corporation Ltd 0.99%Others (Details in the Annexure) 16.91%Total 53.31%


8.17% GOI - 01.12.2044 8.17%

8.30% GOI - 31.12.2042 5.51%8.13% GOI - 22.06.2045 4.49%8.24% GOI - 10.11.2033 3.58%1.44% INFLATION INDEX GS 2023 2.37%9.23% GOI - 23.12.2043 2.20%7.02% GOI - 17.08.2016 1.29%8.30% REC - 10.04.2025 1.11%8.30% GOI - 02.07.2040 0.76%Axis Bank CD - 06.06.2016 0.65%10.08% IOT Utkal Energy Services Limited - 20.03.2026 0.61%9.85% HDFC Bank 2019 - 17.03.2024 CALL 17.03.2019 0.58%9.24% HDFC - 24.06.2024 0.58%9.90% Tata Sons - 20.03.2019 0.58%9.45% HDFC - 21.08.2019 P - 21.09.15 0.58%9.78% Tata Sons - 13.01.2019 0.58%8.90% SAIL - 01.05.2019 CALL 01.05.2014 0.57%9.85% Shriram Transport Finance Co Ltd 15.07.2017 0.57%10.05% Bajaj Finance Ltd - 10.01.2017 0.57%9.98% ICICI Perpetual Bond -CALL 13.09.16. 0.56%Current Asset/Liabilities 3.53%Others 7.37%Total 46.82%


1,788.73


53.31% 31.23%

10.88% 4.58%

Equity

G Sec., GGB




Equity Non Equity

0-80% 20-100%


14.82% 6.72% 6.55%

5.66% 4.61%

4.20% 3.03% 2.69%

2.08% 1.49% 1.47%





PaintsMedia


72.36%

19.93%

4.88%

2.26% 0.41% 0.16%


AAA

AA+

A1+

Fixed Deposit



9.39% 3.92% 9.17%

77.53%

0%

20%

40%

60%

80%

100%


INDIVIDUAL FUND



INDIVIDUAL FUND

Page 28

KOTAK PENSION FLOOR FUND (ULIF-031-13/07/09-PNFLRFND-107)Fund Strategy : Aims to provide stable, long-term inflation beating growth over medium to long-term and defend capital against short-term capital shocks.

Performance Meter Kotak Pension Floor Fund Benchmark

Inception (13-Jul-09) 5.6% 9.3%

6 years 4.9% 8.0%

5 years 4.5% 7.7%

4 years 8.1% 11.3%

3 years 6.0% 9.7%

2 years 9.2% 12.0%

1 year -0.4% 4.0%

6 mth -1.0% 1.3%

3 mth -0.2% 0.8%

1 mth 0.1% 0.4%


Equity % to Fund

Infosys Ltd 2.65%



8.17% GOI - 01.12.2044 7.54%

8.30% GOI - 31.12.2042 5.03%8.13% GOI - 22.06.2045 4.06%Canara Bank CD - 14.03.2016 3.96%Mutual Fund Investments 3.61%8.24% GOI - 10.11.2033 3.19%1.44% INFLATION INDEX GS 2023 2.78%Vijaya Bank CD - 10.03.2016 2.14%ICICI Bank CD - 18.02.16 2.13%HDFC Ltd CP - 10.03.16 2.12%Axis Bank CD - 30.03.2016 2.12%9.23% GOI - 23.12.2043 1.96%TATA Capital Ltd CP - 19.08.16 1.77%Axis Bank CD - 22.04.2016 1.32%Axis Bank CD - 29.09.2016 1.26%7.02% GOI - 17.08.2016 1.15%8.90% SAIL - 01.05.2019 CALL 01.05.2014 1.00%8.92%L&TFinanceLtd.-06.07.2018 0.98%9.78% Tata Sons - 13.01.2019 0.81%8.30% REC - 10.04.2025 0.78%Current Asset/Liabilities 0.80%Others 16.07%Total 66.57%


5,109.01


33.43%

29.66%

23.53%

13.38% Equity

G Sec., GGB




Equity Non Equity

0-75% 25-100%


7.64% 5.54%

3.86% 3.34%

3.16% 2.68%

2.30% 1.62%

1.26% 1.10% 0.93%



FMCGPharmaOthers


UtilitiesTelecom


45.09%

29.08%

14.94%

5.48%


A1+

AAA


AA+

Fixed Deposit


39.77%

5.10% 8.46%

46.66%

0%

20%

40%

60%

80%

100%


INDIVIDUAL FUND



INDIVIDUAL FUND

Page 29

PENSION FLOOR FUND II (ULIF-043-08/01/10-PNFLRKFND2-107)Fund Strategy : Aims to provide stable, long-term inflation beating growth over medium to long-term and defend capital against short-term capital shocks.

Performance Meter Pension Floor Fund II Benchmark

Inception (08-Jan-10) 6.1% 8.0%

5 years 5.3% 7.7%

4 years 8.4% 11.3%

3 years 6.2% 9.7%

2 years 9.3% 12.0%

1 year -0.6% 4.0%

6 mth -1.3% 1.3%

3 mth -0.5% 0.8%

1 mth -0.2% 0.4%


Equity % to Fund

Infosys Ltd 2.87%

HDFC Bank Ltd 2.58%R Shares Banking ETF 1.57%Tata Motors Ltd 1.55%Maruti Suzuki India Ltd 1.50%IndusInd Bank Limited 1.44%Britannia Industries Ltd 1.40%I T C Ltd 1.35%Sun Pharmaceuticals Ltd 1.33%ICICI Bank Ltd 1.29%Axis Bank Ltd 1.27%Tata Consultancy Services Ltd 1.26%Larsen And Toubro Ltd 1.24%Kotak Banking ETF - Dividend Payout Option 1.18%UltraTech Cement Ltd 0.82%YES BANK LTD 0.72%Asian Paints Ltd 0.71%Zee Entertainment Enterprises Ltd 0.70%Mahindra&MahindraLtd 0.68%Bharat Petroleum Corporation Ltd 0.66%Others (Details in the Annexure) 12.30%Total 38.41%


8.17% GOI - 01.12.2044 11.55%

8.30% GOI - 31.12.2042 7.76%8.13% GOI - 22.06.2045 6.22%8.24% GOI - 10.11.2033 4.87%1.44% INFLATION INDEX GS 2023 3.05%9.23% GOI - 23.12.2043 2.99%7.02% GOI - 17.08.2016 1.75%8.30% REC - 10.04.2025 1.52%Axis Bank CD - 29.09.2016 1.33%8.30% GOI - 02.07.2040 1.07%8.92%L&TFinanceLtd.-06.07.2018 0.88%9.78% Tata Sons - 13.01.2019 0.85%LIC Housing Finance Ltd INBMK+120BPS -29.07.16 0.70%9.24% HDFC - 24.06.2024 0.61%8.90% SAIL - 01.05.2019 CALL 01.05.2014 0.60%10.05% Bajaj Finance Ltd - 10.01.2017 0.59%HDFC Ltd CP - 10.06.16 0.56%9.85% HDFC Bank 2019 - 17.03.2024 CALL 17.03.2019 0.49%7.88% GOI - 19.03.2030 0.44%ICICI Bank CD - 10.06.16 0.42%Current Asset/Liabilities 1.12%Others 12.22%Total 61.59%


8,539.84


43.27%

38.41%

14.18% 4.14% G Sec., GGB

Equity




Equity Non Equity

0-75% 25-100%


10.78% 4.68% 4.62% 4.38%

3.44% 2.99%

2.18% 1.93%

1.32% 1.10% 0.99%



PharmaOthers


Oil&GasMediaPaints


11.33% 5.46% 10.18%

73.04%

0%

20%

40%

60%

80%

100%



71.56%

18.66%

4.65%

4.38% 0.62% 0.14%


AAA

AA+

A1+


Fixed Deposit

INDIVIDUAL FUND



INDIVIDUAL FUND

Page 30

KOTAK PENSION BALANCED FUND (ULIF-011-27/06/03-PNBALFND-107)Fund Strategy : Aims for moderate growth by holding a diversified mix of equities and fixed interest instruments.

Performance MeterKotak Pension Balanced

FundBenchmark



Equity % to Fund

Infosys Ltd 3.35%

HDFC Bank Ltd 2.95%R Shares Banking ETF 1.98%Tata Motors Ltd 1.72%Maruti Suzuki India Ltd 1.70%IndusInd Bank Limited 1.69%I T C Ltd 1.68%Britannia Industries Ltd 1.47%ICICI Bank Ltd 1.44%Axis Bank Ltd 1.43%Larsen And Toubro Ltd 1.40%Tata Consultancy Services Ltd 1.34%Sun Pharmaceuticals Ltd 1.32%Kotak Banking ETF - Dividend Payout Option 1.20%UltraTech Cement Ltd 1.06%YES BANK LTD 0.95%Mahindra&MahindraLtd 0.88%Bharat Petroleum Corporation Ltd 0.86%Asian Paints Ltd 0.81%Hindustan Petroleum Corporation Ltd 0.79%Others (Details in the Annexure) 14.11%Total 44.13%


8.17% GOI - 01.12.2044 10.09%8.30% GOI - 31.12.2042 6.77%8.13% GOI - 22.06.2045 5.47%8.24% GOI - 10.11.2033 4.31%9.23% GOI - 23.12.2043 2.65%1.44% INFLATION INDEX GS 2023 2.49%7.02% GOI - 17.08.2016 1.55%8.30% REC - 10.04.2025 1.25%8.30% GOI - 02.07.2040 0.91%8.55% Sundaram Finance - 27.10.17 0.83%Axis Bank CD - 06.06.2016 0.76%Mutual Fund Investments 0.65%10.08% IOT Utkal Energy Services Limited - 20.03.2026 0.63%9.78% Tata Sons - 13.01.2019 0.62%10.05% Bajaj Finance Ltd - 10.01.2017 0.61%10.08% IOT Utkal Energy Services Limited - 20.03.2024 0.58%10.08% IOT Utkal Energy Services Limited - 20.03.2023 0.53%9.85% Shriram Transport Finance Co Ltd 15.07.2017 0.52%10.08% IOT Utkal Energy Services Limited - 20.03.2022 0.49%10.75% Shriram Transport Finance Co Ltd 24.10.2016 0.49%Current Asset/Liabilities 1.28%Others 12.50%Total 55.96%


21,612.08


Equity Non Equity

0-60% 40-100%


12.53% 5.34% 5.26%

4.88% 3.66% 3.60%

2.65% 2.18%

1.65% 1.19% 1.17%





PaintsMedia


69.41%

20.46%

6.42% 2.08% 1.19% 0.44% Govt&GovtGuaranteedBonds

AAA

AA+

A1+


Fixed Deposit


9.05% 6.77% 8.76%

75.43%

0%

20%

40%

60%

80%

100%



44.13%

37.99%

14.82% 3.06%

Equity

G Sec., GGB



INDIVIDUAL FUND



INDIVIDUAL FUND

Page 31

PENSION BALANCED FUND II (ULIF-046-24/01/10-PNBALFND2-107)Fund Strategy : Aims for moderate growth by holding a diversified mix of equities and fixed interest instruments.

Performance Meter Pension Balanced Fund II Benchmark

Inception (24-Jan-10) 9.5% 8.0%

5 years 8.7% 7.3%

4 years 14.4% 13.0%

3 years 12.3% 10.2%

2 years 16.4% 12.7%

1 year 5.2% 1.6%

6 mth 0.5% -0.6%

3 mth -0.2% 0.7%

1 mth -0.4% 0.3%


Equity % to Fund

Infosys Ltd 4.36%

HDFC Bank Ltd 3.75%R Shares Banking ETF 2.22%IndusInd Bank Limited 2.19%Tata Motors Ltd 2.15%Maruti Suzuki India Ltd 2.13%I T C Ltd 1.84%Axis Bank Ltd 1.83%ICICI Bank Ltd 1.80%Tata Consultancy Services Ltd 1.76%Larsen And Toubro Ltd 1.75%Britannia Industries Ltd 1.68%Kotak Banking ETF - Dividend Payout Option 1.66%Sun Pharmaceuticals Ltd 1.64%YES BANK LTD 1.28%UltraTech Cement Ltd 1.20%Zee Entertainment Enterprises Ltd 1.05%Mahindra&MahindraLtd 1.04%Asian Paints Ltd 1.02%Hindustan Petroleum Corporation Ltd 1.01%Others (Details in the Annexure) 18.27%Total 55.64%


8.17% GOI - 01.12.2044 7.38%

8.30% GOI - 31.12.2042 5.01%Mutual Fund Investments 4.19%8.13% GOI - 22.06.2045 3.99%8.24% GOI - 10.11.2033 3.18%9.36% IDFC Bank - 21.08.24 3.01%9.35% Bajaj Finance Ltd - 31.10.2017 2.87%1.44% INFLATION INDEX GS 2023 2.04%9.23% GOI - 23.12.2043 1.96%7.02% GOI - 17.08.2016 1.14%ICICI Bank CD - 28.06.16 1.10%8.30% GOI - 02.07.2040 0.68%10.08% IOT Utkal Energy Services Limited - 20.03.2026 0.62%10.08% IOT Utkal Energy Services Limited - 20.03.2025 0.61%10.08% IOT Utkal Energy Services Limited - 20.03.2024 0.61%Axis Bank CD - 06.06.2016 0.55%8.40% Oil Bond - 29.03.26 0.43%8.23% MAH SDL - 09.09.2025 0.32%10.08% IOT Utkal Energy Services Limited - 20.03.2027 0.31%10.08% IOT Utkal Energy Services Limited - 20.03.2023 0.30%Current Asset/Liabilities 0.72%Others 3.51%Total 44.55%


351.31


55.64% 28.28%

9.24% 6.83%

Equity

G Sec., GGB




Equity Non Equity

30-60% 40-70%


15.97% 6.83% 6.66%

6.08% 4.82%

4.42% 2.90% 2.75%

2.00% 1.65% 1.55%


Auto&AutoAncillaryFMCGOthers



MediaPaints


64.81%

13.89%

9.60%


AAA


AA+

A1+

Fixed Deposit


17.34% 7.25% 1.57%

73.84%

0%

20%

40%

60%

80%

100%





INDIVIDUAL FUND

Page 32

KOTAK PENSION BOND FUND (ULIF-017-15/04/04-PNBNDFND-107)Fund Strategy : Aims to preserve capital and minimize downside risk, with investment in debt and government instruments.


Bond FundBenchmark

Inception (15-Apr-04) 8.6% 6.3%10 years 9.3% 7.1%

7 years 8.7% 7.3%

6 years 8.8% 7.9%5 years 9.1% 8.5%4 years 9.3% 9.0%3 years 8.4% 8.8%2 years 11.2% 11.4%1 year 6.8% 8.6%6 mth 4.2% 5.0%3 mth 0.0% 1.2%1 mth 0.1% 0.5%



8.17% GOI - 01.12.2044 18.02%

8.30% GOI - 31.12.2042 11.98%8.13% GOI - 22.06.2045 9.73%8.24% GOI - 10.11.2033 7.99%1.44% INFLATION INDEX GS 2023 5.10%9.23% GOI - 23.12.2043 4.92%7.02% GOI - 17.08.2016 2.87%8.30% REC - 10.04.2025 2.41%Axis Bank CD - 06.06.2016 1.95%8.55% Sundaram Finance - 27.10.17 1.60%8.30% GOI - 02.07.2040 1.59%9.70% ANDHRA BANK FD - 07.04.2016 1.22%8.92%L&TFinanceLtd.-06.07.2018 1.01%9.24% HDFC - 24.06.2024 0.98%9.78% Tata Sons - 13.01.2019 0.97%10.05% Bajaj Finance Ltd - 10.01.2017 0.95%8.75% LIC Housing Finance - 14.01.2020 P 14.04.16 0.95%9.85% Shriram Transport Finance Co Ltd 15.07.2017 0.82%8.23% MAH SDL - 09.09.2025 0.78%8.40% Oil Bond - 29.03.26 0.75%Current Asset/Liabilities 1.23%Others 22.16%Total 100.00%


7,445.48


67.86%

27.92%

4.22% G Sec., GGB




Equity Non Equity

- 100%


68.71%

21.21%


AAA

AA+

A1+

Fixed Deposit



9.44% 6.72% 9.43%

74.41%

0%

20%

40%

60%

80%

100%


INDIVIDUAL FUND



INDIVIDUAL FUND

Page 33

KOTAK PENSION GILT FUND (ULIF-008-27/06/03-PNGLTFND-107)Fund Strategy : Aims to preserve your capital and minimize your downside risk, with investment in debt and government instruments.


Gilt FundBenchmark




8.17% GOI - 01.12.2044 18.82%

8.30% GOI - 31.12.2042 13.44%8.13% GOI - 22.06.2045 10.10%8.24% GOI - 10.11.2033 7.60%Mutual Fund Investments 5.02%9.23% GOI - 23.12.2043 4.67%8.99% MP SDL - 07.03.2022 2.94%9.39% GJ SDL - 20.11.2023 2.83%8.63% MH SDL - 09.01.2023 2.74%7.02% GOI - 17.08.2016 2.73%9.11% MP SDL - 28.05.2024 2.66%1.44% INFLATION INDEX GS 2023 2.32%8.98% PN SDL - 14.10.2021 2.30%8.25% MH SDL - 13.05.2025 2.25%8.91% MAH SDL - 05.09.2022 2.17%8.52% GJ SDL - 19.01.2021 2.05%8.40% Oil Bond - 29.03.26 1.80%8.30% GOI - 02.07.2040 1.66%8.92% KA SDL - 07.03.2022 1.48%8.20% GOI - 24.09.2025 0.99%Current Asset/Liabilities 3.06%Others 6.35%Total 100.00%


787.66


91.92%

8.08%

G Sec., GGB



Equity Non Equity

- 100%


94.82%

5.18%




7.99% 13.30%

78.70%

0%

20%

40%

60%

80%

100%


INDIVIDUAL FUND



INDIVIDUAL FUND

Page 34

KOTAK PENSION FLOATING RATE FUND (ULIF-022-07/12/04-PNFLTRFND-107)Fund Strategy : Aims to preserve capital and minimize downside risk, with investment in debt and government instruments.

Performance MeterKotak Pension Floating

Rate FundBenchmark

Inception (7-Dec-04) 7.7% 7.2%

7 years 7.9% 7.5%

7 years 7.8% 7.6%

6 years 8.3% 8.0%

5 years 8.9% 8.6%

4 years 9.3% 8.8%

3 years 9.7% 8.8%

2 years 9.0% 8.7%

1 year 7.4% 8.2%

6 mth 3.5% 3.9%

3 mth 1.2% 1.8%

1 mth 0.5% 0.6%



GOI FRB - 21.12.2020 12.74%

L&TFinanceLtdNSEMibor+1.55%-28.10.2016 7.86%IL&FSCP18.08.16 7.62%EXIM Floater INCMTBMK + 100 bps - 09.08.2016 6.47%HDFC Ltd Floater 5 Year INBMK + 120 bps - 18.01.2016 6.42%LIC Housing Finance Ltd INBMK+120BPS -29.07.16 6.40%8.19% GOI - 16.01.2020 5.92%8.13% GOI - 22.06.2045 4.89%6.05% GOI - 12.06.2019 4.89%5.59% GOI - 04.06.2016 4.62%Vijaya Bank CD - 01.06.2016 3.72%Corporation Bank CD - 11.03.2016 3.48%7.28% GOI - 03.06.2019 3.34%TATA Capital Ltd CP - 19.08.16 3.05%Axis Bank CD - 27.10.2016 2.72%Mutual Fund Investments 2.71%8.13% OMC GOI Special Bond - 16.10.21 2.67%9.37% MAH SDL - 04.12.2023 2.22%7.95% Oil Bond - 18.01.25 2.18%9.65% TN SDL - 12.03.2024 1.67%Current Asset/Liabilities 1.69%Others 2.72%Total 100.00%


311.80


39.89%

35.12%


G Sec., GGB



Equity Non Equity

- 100%


48.69%

20.94%

19.62%

8.00% 2.76%


A1+

AAA

AA+



56.01%

30.08%

13.91%

0%

20%

40%

60%

80%

100%


INDIVIDUAL FUND



INDIVIDUAL FUND

Page 35

PENSION MONEY MARKET FUND II (ULIF-039-28/12/09-PNMNMKFND-107)Fund Strategy : Aims to protect your capital and not have downside risks

Performance MeterPension Money Market

Fund IIBenchmark

Inception (28-Dec-09) 7.9% 8.0%

6 years 7.9% 8.0%

5 years 8.5% 8.6%

4 years 8.7% 8.8%

3 years 8.5% 8.8%

2 years 8.5% 8.7%

1 year 8.3% 8.2%

6 mth 4.0% 3.9%

3 mth 1.9% 1.8%

1 mth 0.6% 0.6%



IL&FSCP18.08.16 9.39%

Corporation Bank CD - 11.03.2016 9.39%TATA Capital Ltd CP - 19.08.16 9.39%Vijaya Bank CD - 01.06.2016 9.30%STEEL AUTHORITY OF INDIA LTD CP - 07.12.16 9.21%EXIM CD - 16.12.2016 9.20%Mutual Fund Investments 9.13%ICICI Bank CD - 28.06.16 8.91%L and T Finance CP - 28.06.2016 8.63%Axis Bank CD - 27.10.2016 8.29%HDFC Ltd CP - 10.06.16 8.23%Current Asset/Liabilities 0.92%Others 0.00%Total 100.00%


1,112.74


100.00%



Equity Non Equity

- 100%


90.79%

9.21%

A1+



100.00%

0%

20%

40%

60%

80%

100%


INDIVIDUAL FUND



INDIVIDUAL FUND

Page 36

KOTAK ADVANTAGE PLUS FUND II (ULIF-027-21/04/06-ADVPLSFND2-107)Fund Strategy : Aims for moderate growth by holding a diversified mix of equities and fixed interest instruments. May also be susceptible to moderate levels of shorter-term volatility (downside risk)

Performance MeterKotak Advantage Plus

Fund IIBenchmark

Inception (21-Apr-06) 5.6% 8.6%

7 years 5.9% 10.9%

6 years 4.8% 8.0%

5 years 4.3% 7.6%

4 years 5.5% 11.4%

3 years 5.2% 9.7%

2 years 5.4% 12.0%

1 year 4.7% 3.7%

6 mth 2.4% 1.0%

3 mth 1.0% 0.8%

1 mth 0.3% 0.4%

Benchmark details: Equity - 40% (Nifty); Debt - 60% (Crisil Bond)


7.59% GOI 2016-12.04.16 44.52%

7.46% GOI - 28.08.17 40.07%Corporation Bank CD - 11.03.2016 8.78%Mutual Fund Investments 4.83%Current Asset/Liabilities 1.80%Others 0.00%Total 100.00%


22.47


84.59%

15.41% G Sec., GGB



Equity Non Equity

0-80% 20-100%


59.20%

40.80%

0%

20%

40%

60%

80%

100%



86.14%

8.94% 4.92%


A1+


INDIVIDUAL FUND



INDIVIDUAL FUND

Page 37

KOTAK ADVANTAGE MULTIPLIER FUND (ULIF-024-07/02/06-ADVMULFND-107)Fund Strategy : Aims to provide you with stable long-term inflation beating growth over medium to long-term and defend your capital against short-term capital shocks.

Performance MeterKotak Advantage Multiplier Fund

Benchmark

Inception (07-Feb-06) 5.2% 9.5%

7 years 5.8% 11.7%

6 years 4.3% 8.0%

5 years 3.7% 7.3%

4 years 6.1% 12.0%

3 years 5.0% 9.9%

2 years 5.7% 12.1%

1 year 4.8% 2.4%

6 mth 2.4% 0.0%

3 mth 0.9% 0.6%

1 mth 0.3% 0.4%



7.02% GOI - 17.08.2016 13.72%12.30% GOI - 02.07.2016 9.52%7.59% GOI 2016-12.04.16 8.25%Axis Bank CD - 27.10.2016 8.17%9.47% PGC - 31.03.2016 7.77%Mutual Fund Investments 6.97%9.98% ICICI Perpetual Bond -CALL 13.09.16. 6.26%9.62% PFC - 29.06.2016 6.23%9.75% Tata Sons - 19.07.2016 6.23%9.74% LIC Housing Finance - 15.07.2016 6.23%CBLO Investments 6.20%HDFC Ltd CP - 10.06.16 5.98%8.79% GOI - 08.11.2021 5.82%Current Asset/Liabilities 2.65%Others 0.00%Total 100.00%


161.38


37.31%

32.73%

29.97%

G Sec., GGB




Equity Non Equity

0-100% 0-100%


38.32%

33.62%

14.53%


AAA

A1+


CBLO


94.02%

5.98%

0%

20%

40%

60%

80%

100%


INDIVIDUAL FUND




Page 38

KOTAK ADVANTAGE MULTIPLIER FUND II (ULIF-026-21/04/06-ADVMULFND2-107)Fund Strategy : Aims for a high level of capital growth by holding a significant portion in equities. May experience high levels of shorter term volatility (downside risk).

Performance MeterKotak Advantage Multiplier Fund II

Benchmark

Inception (21-Apr-06) 5.4% 8.7%7 years 5.9% 11.7%6 years 4.5% 8.0%5 years 3.8% 7.3%4 years 6.3% 12.0%3 years 5.4% 9.9%2 years 6.0% 12.1%1 year 5.1% 2.4%6 mth 2.5% 0.0%3 mth 1.0% 0.6%1 mth 0.3% 0.4%



7.02% GOI - 17.08.2016 15.75%7.46% GOI - 28.08.17 14.71%7.59% GOI 2016-12.04.16 14.06%Mutual Fund Investments 10.98%9.47% PGC - 31.03.2016 8.29%9.70% PFC - 15.12.2018 6.85%9.98% ICICI Perpetual Bond -CALL 13.09.16. 6.68%9.75% Tata Sons - 19.07.2016 6.64%LIC Housing Finance Ltd INBMK+120BPS -29.07.16 6.59%HDFC Ltd CP - 10.06.16 6.37%8.20% OMC GOI 2023-10.11.23 0.77%Current Asset/Liabilities 2.31%Others 0.00%Total 100.00%


151.35


45.29%

35.05%

19.66% G Sec., GGB




Equity Non Equity

0-100% 0-100%


46.36%

35.88%


AAA


A1+


77.14%

22.07%

0.79% 0%

20%

40%

60%

80%

100%


INDIVIDUAL FUND



INDIVIDUAL FUND

Page 39

DISCONTINUED POLICY FUND (ULIF-050-23/03/11-DISPOLFND-107)Fund Strategy : Aims to provide secure returns to policies in the discontinued state, by investing in low- risk debt instruments.

Performance Meter Discontinued Policy Fund Benchmark

Inception (23-Mar-11) 8.5% 8.7%

5 years n.a n.a

4 years 8.7% 8.8%

3 years 8.2% 8.8%

2 years 8.2% 8.7%

1 year 7.7% 8.2%

6 mth 3.6% 3.9%

3 mth 1.7% 1.8%

1 mth 0.6% 0.6%

Benchmark Details: Debt - 100% (Crisil Liquid)


7.59% GOI 2016-12.04.16 77.90%

TATA Capital Ltd CP - 19.08.16 5.17%STEEL AUTHORITY OF INDIA LTD CP - 07.12.16 4.20%L and T Finance CP - 28.06.2016 3.83%Axis Bank CD - 27.10.2016 3.61%Vijaya Bank CD - 01.06.2016 2.96%ICICI Bank CD - 28.06.16 2.85%Mutual Fund Investments 0.25%EXIM CD - 16.12.2016 0.09%Current Asset/Liabilities -0.86%Others 0.00%Total 100.00%


20,299.69


77.90%

22.10% G Sec., GGB



Equity Non Equity

- 100%


77.24%

22.52% 0.25%


A1+



100.00%

0%

20%

40%

60%

80%

100%


INDIVIDUAL FUND



GROUP FUNDS

KOTAK GROUP DYNAMIC FLOOR FUND

GROUP FUNDS

KOTAK GROUP BALANCED FUND

KOTAK GROUP BOND FUND

KOTAK GROUP GILT FUND KOTAK GROUP FLOATING RATE FUND

KOTAK GROUP MONEY MARKET FUND

KOTAK GROUP SECURE CAPITAL FUND

KOTAK 57M FMP KOTAK GROUP SHORT TERM BOND FUND



Page 40

GROUP FUNDGROUP FUNDGROUP FUND

KOTAK GROUP DYNAMIC FLOOR FUND (ULGF-015-07/01/10-DYFLRFND-107)Fund Strategy : Aims to provide stable long term inflation beating growth over the medium to longer term and defend capital against short term capital shocks. Is likely to out-perform traditional balanced or equity funds during sideways or falling markets and shadow the rising equity markets.

Performance MeterKotak Group Dynamic

Floor FundBenchmark

Inception (07-Jan-10) 14.9% 8.0%

5 years 5.6% 7.9%

4 years 8.6% 10.9%

3 years 6.4% 9.6%

2 years 9.7% 11.9%

1 year 0.2% 4.9%

6 mth -0.8% 2.0%

3 mth -0.1% 0.9%

1 mth 0.1% 0.4%


Equity % to Fund

Infosys Ltd 2.65%I T C Ltd 2.28%HDFC Bank Ltd 2.04%Reliance Industries Ltd 2.03%Housing Development Finance Corp. Ltd 1.89%Tata Consultancy Services Ltd 1.50%ICICI Bank Ltd 1.44%Larsen And Toubro Ltd 1.36%Sun Pharmaceuticals Ltd 1.16%Tata Motors Ltd 0.96%Hindustan Unilever Ltd 0.89%Maruti Suzuki India Ltd 0.79%Mahindra&MahindraLtd 0.77%Axis Bank Ltd 0.71%Bharti Airtel Ltd 0.67%State Bank of India 0.66%Oil&NaturalGasCorporationLtd 0.63%Asian Paints Ltd 0.58%Lupin Ltd 0.57%HCL Technologies Ltd 0.57%Others (Details in the Annexure) 9.24%Total 33.41%


8.17% GOI - 01.12.2044 7.44%Mutual Fund Investments 7.37%8.30% GOI - 31.12.2042 5.01%Canara Bank CD - 14.03.2016 4.04%8.13% GOI - 22.06.2045 4.03%9.30% PGC - 28.06.2023 3.58%8.24% GOI - 10.11.2033 3.19%8.90% PFC - 18.03.2028 2.84%HDFC Ltd Floater 5 Year INBMK + 120 bps - 18.01.2016 2.73%HDFC Ltd CP - 10.03.16 2.69%1.44% INFLATION INDEX GS 2023 2.39%ICICI Bank CD - 18.02.16 2.16%Vijaya Bank CD - 10.03.2016 2.15%Axis Bank CD - 30.03.2016 2.15%9.23% GOI - 23.12.2043 1.96%Axis Bank CD - 22.04.2016 1.33%HDFC Ltd CP - 10.06.16 1.32%Axis Bank CD - 29.09.2016 1.29%7.02% GOI - 17.08.2016 1.14%EXIM CD - 16.12.2016 0.76%Current Asset/Liabilities 0.98%Others 6.04%Total 66.59%


366.31


33.41%

28.75%

27.03%

10.80% Equity

G Sec., GGB




Equity Non Equity

0-60% 0-100%


7.64% 5.54%

3.83% 3.34% 3.17%

2.67% 2.31%

1.63% 1.25% 1.10% 0.94%



FMCGPharmaOthers


UtilitiesTelecom


43.82%

28.48%

14.02%


A1+

AAA


Fixed Deposit

AA+


48.06%

1.31%

50.63%

0%

20%

40%

60%

80%

100%




Page 41

GROUP FUNDGROUP FUND

Performance MeterKotak Group Balanced

FundBenchmark

Inception (27-Jun-03) 13.8% 12.0%10 years 11.3% 9.5%7 years 12.9% 11.4%6 years 9.8% 7.7%5 years 9.1% 7.3%4 years 14.9% 13.0%3 years 12.9% 10.2%2 years 17.1% 12.7%1 year 5.7% 1.6%6 mth 0.8% -0.6%3 mth -0.1% 0.7%1 mth -0.3% 0.3%


KOTAK GROUP BALANCED FUND (ULGF-003-27/06/03-BALFND-107)Fund Strategy : Aims for moderate growth by holding a diversified mix of equities and fixed interest instruments. May also be susceptible to moderate levels of shorter-term volatility (downside risk)


16.01% 6.92% 6.83% 6.48%

5.07% 4.74%

3.38% 3.15%

2.16% 1.58% 1.52%



PharmaOthers


Oil&GasPaintsMedia

Equity % to Fund

Infosys Ltd 4.34%HDFC Bank Ltd 3.80%R Shares Banking ETF 2.43%Tata Motors Ltd 2.22%I T C Ltd 2.20%Maruti Suzuki India Ltd 2.20%IndusInd Bank Limited 2.19%Larsen And Toubro Ltd 2.12%Britannia Industries Ltd 2.05%ICICI Bank Ltd 1.87%Axis Bank Ltd 1.86%Sun Pharmaceuticals Ltd 1.81%Tata Consultancy Services Ltd 1.75%Kotak Banking ETF - Dividend Payout Option 1.45%YES BANK LTD 1.26%UltraTech Cement Ltd 1.22%Mahindra&MahindraLtd 1.15%Bharat Petroleum Corporation Ltd 1.13%Asian Paints Ltd 1.06%Hindustan Petroleum Corporation Ltd 1.02%Others (Details in the Annexure) 18.70%Total 57.83%


8.17% GOI - 01.12.2044 7.44%8.30% GOI - 31.12.2042 5.00%8.13% GOI - 22.06.2045 4.03%8.24% GOI - 10.11.2033 3.18%Mutual Fund Investments 2.31%9.23% GOI - 23.12.2043 1.96%7.02% GOI - 17.08.2016 1.14%1.44% INFLATION INDEX GS 2023 1.08%8.30% REC - 10.04.2025 0.94%8.30% GOI - 02.07.2040 0.67%8.55% Sundaram Finance - 27.10.17 0.62%Axis Bank CD - 06.06.2016 0.56%LIC Housing Finance Ltd INBMK+120BPS -29.07.16 0.49%8.92%L&TFinanceLtd.-06.07.2018 0.44%9.85% Shriram Transport Finance Co Ltd 15.07.2017 0.39%10.08% IOT Utkal Energy Services Limited - 20.03.2026 0.38%9.24% HDFC - 24.06.2024 0.36%10.08% IOT Utkal Energy Services Limited - 20.03.2025 0.36%10.08% IOT Utkal Energy Services Limited - 20.03.2024 0.36%10.05% Bajaj Finance Ltd - 10.01.2017 0.35%Current Asset/Liabilities 0.60%Others 9.61%Total 42.27%


28,729.67


57.83%

26.75%

11.67% 3.75%

Equity

G Sec., GGB




Equity Non Equity

30-60% 40-70%


64.35%

21.35%

6.54%


AAA

AA+


A1+

Fixed Deposit


14.71% 7.08% 8.48%

69.74%

0%

20%

40%

60%

80%

100%




Page 42


Page 6

GROUP FUND

KOTAK GROUP BOND FUND (ULGF-004-15/04/04-BNDFND-107)Fund Strategy : Returns will be in line with those of fixed interest instruments, and may provide little protection against unexpected inflation increases Will preserve capital and minimize downside risk, with investment in debt and government instruments.

Performance Meter Kotak Group Bond Fund Benchmark

Inception (15-Apr-04) 9.1% 6.3%10 years 9.9% 7.1%7 years 9.4% 7.3%6 years 9.6% 7.9%5 years 9.7% 8.5%4 years 9.8% 9.0%3 years 8.9% 8.8%2 years 11.7% 11.4%1 year 7.3% 8.6%6 mth 4.4% 5.0%3 mth 0.1% 1.2%1 mth 0.1% 0.5%



8.17% GOI - 01.12.2044 18.77%

8.30% GOI - 31.12.2042 12.44%8.13% GOI - 22.06.2045 10.12%8.24% GOI - 10.11.2033 7.98%9.23% GOI - 23.12.2043 4.91%7.02% GOI - 17.08.2016 2.86%Mutual Fund Investments 2.67%8.30% REC - 10.04.2025 2.26%1.44% INFLATION INDEX GS 2023 2.11%8.30% GOI - 02.07.2040 1.63%8.55% Sundaram Finance - 27.10.17 1.62%Axis Bank CD - 06.06.2016 1.61%9.78% Tata Sons - 13.01.2019 1.05%8.92%L&TFinanceLtd.-06.07.2018 1.04%9.24% HDFC - 24.06.2024 0.92%9.85% Shriram Transport Finance Co Ltd 15.07.2017 0.84%8.90% SAIL - 01.05.2019 CALL 01.05.2014 0.80%10.08% IOT Utkal Energy Services Limited - 20.03.2026 0.75%8.23% MAH SDL - 09.09.2025 0.74%8.75% Mahindra and Mahindra Financial Services Ltd- 31.07.20 0.73%Current Asset/Liabilities 1.76%Others 22.37%Total 100.00%


72,320.68


66.01%

27.26%

6.73% G Sec., GGB




Equity Non Equity

- 100%


67.19%

20.87%

6.33%


AAA

AA+


A1+

Fixed Deposit


10.89% 7.30% 9.13%

72.68%

0%

20%

40%

60%

80%

100%




Page 43


KOTAK GROUP GILT FUND (ULGF-002-27/06/03-GLTFND-107)Fund Strategy : Returns will be in line with those of fixed interest instruments, and may provide little protection against unexpected inflation increases Will preserve capital and minimize downside risk, with investment in debt and government instruments.

Performance Meter Kotak Group Gilt Fund Benchmark




8.17% GOI - 01.12.2044 18.18%

8.30% GOI - 31.12.2042 13.14%Mutual Fund Investments 12.17%8.13% GOI - 22.06.2045 9.85%8.24% GOI - 10.11.2033 7.56%9.23% GOI - 23.12.2043 4.68%9.11% MP SDL - 28.05.2024 2.80%7.02% GOI - 17.08.2016 2.71%9.39% GJ SDL - 20.11.2023 2.65%8.99% MP SDL - 07.03.2022 2.38%8.91% MAH SDL - 05.09.2022 2.29%8.52% GJ SDL - 19.01.2021 2.09%8.25% MH SDL - 13.05.2025 2.00%8.63% MH SDL - 09.01.2023 1.96%8.98% PN SDL - 14.10.2021 1.64%8.30% GOI - 02.07.2040 1.58%8.40% Oil Bond - 29.03.26 1.56%1.44% INFLATION INDEX GS 2023 1.49%8.20% GOI - 24.09.2025 0.89%8.25% MH SDL - 10.06.2025 0.79%Current Asset/Liabilities 2.26%Others 5.32%Total 100.00%


2,427.18


85.57%

14.43%

G Sec., GGB



Equity Non Equity

- 100%


87.55%

12.45%




15.23% 10.74%

74.04%

0%

20%

40%

60%

80%

100%




Page 44


KOTAK GROUP FLOATING RATE FUND (ULGF-005-07/12/04-FLTRFND-107)Fund Strategy : Returns will be in line with those of fixed interest instruments, and may provide little protection against unexpected inflation increases Will preserve capital and minimize downside risk, with investment in debt and government instruments.

Performance MeterKotak Group Floating

Rate FundBenchmark

Inception (7-Dec-04) 8.0% 7.2%10 years 8.3% 7.5%7 years 8.2% 7.6%6 years 8.8% 8.0%5 years 9.4% 8.6%4 years 9.8% 8.8%3 years 10.1% 8.8%2 years 9.4% 8.7%1 year 7.8% 8.2%6 mth 3.7% 3.9%3 mth 1.3% 1.8%1 mth 0.5% 0.6%



GOI FRB - 21.12.2020 12.58%

EXIM Floater INCMTBMK + 100 bps - 09.08.2016 7.72%HDFC Ltd Floater 5 Year INBMK + 120 bps - 18.01.2016 7.66%L&TFinanceLtdNSEMibor+1.55%-28.10.2016 7.51%8.19% GOI - 16.01.2020 7.47%IL&FSCP18.08.16 7.28%LIC Housing Finance Ltd INBMK+120BPS -29.07.16 6.11%8.13% GOI - 22.06.2045 5.72%5.59% GOI - 04.06.2016 4.56%6.05% GOI - 12.06.2019 4.23%Corporation Bank CD - 11.03.2016 3.40%Vijaya Bank CD - 01.06.2016 3.33%TATA Capital Ltd CP - 19.08.16 2.91%8.13% OMC GOI Special Bond - 16.10.21 2.80%8.51% PN SDL - 10.04.2023 2.56%9.37% MAH SDL - 04.12.2023 2.46%Axis Bank CD - 27.10.2016 2.38%7.28% GOI - 03.06.2019 2.01%Mutual Fund Investments 1.78%9.65% TN SDL - 12.03.2024 1.68%Current Asset/Liabilities 1.61%Others 2.24%Total 100.00%


1,305.91


41.59%

35.73%


G Sec., GGB



Equity Non Equity

- 100%


49.10% 21.85%

19.61%

7.63% 1.81%


AAA

A1+

AA+



55.54%

29.56% 14.90%

0%

20%

40%

60%

80%

100%



GROUP FUND MONTHLY UPDATE JANUARY 2016AS ON 31st DECEMBER 2015

KOTAK GROUP MONEY MARKET FUND (ULGF-001-27/06/03-MNMKFND-107)Fund Strategy : Will protect capital and not have downside risks.

Performance MeterKotak Group Money

Market FundBenchmark

Inception (12-Aug-13) 8.8% 9.1%7 years n.a n.a6 years n.a n.a5 years n.a n.a4 years n.a n.a3 years n.a n.a2 years 8.4% 8.7%1 year 8.2% 8.2%6 mth 4.0% 3.9%3 mth 2.2% 1.8%1 mth 0.4% 0.6%



91 Days T Bill - 22.01.2016 69.05%

CBLO Investments 23.11%Current Asset/Liabilities 7.84%Others 0.00%Total 100.00%


21.63


100.00%



Equity Non Equity

- 100%


74.92%


CBLO


100.00%

0%

20%

40%

60%

80%

100%




Page 46

GROUP FUND

KOTAK GROUP SECURE CAPITAL FUND (ULGF-016-12/04/11-SECCAPFND-107)Fund Strategy : The portfolio will consist of highly rated debt instruments including corporate debt and infrastructure debt assets as defined in the IRDA regulations, Government securities and short term investments.

Performance MeterKotak Group Secure

Capital FundBenchmark

Inception (12-Apr-11) 9.6% 8.7%

5 years n.a n.a

4 years 9.6% 9.0%

3 years 8.7% 8.8%

2 years 11.6% 11.4%

1 year 7.2% 8.6%

6 mth 4.3% 5.0%

3 mth 0.1% 1.2%

1 mth 0.1% 0.5%

Benchmark Details: Debt - 100% (Crisil Bond)


8.17% GOI - 01.12.2044 20.63%

8.30% GOI - 31.12.2042 12.65%8.13% GOI - 22.06.2045 10.84%8.24% GOI - 10.11.2033 7.66%9.23% GOI - 23.12.2043 4.98%Mutual Fund Investments 2.80%7.02% GOI - 17.08.2016 2.77%8.30% REC - 10.04.2025 1.92%8.30% GOI - 02.07.2040 1.76%8.55% Sundaram Finance - 27.10.17 1.57%Axis Bank CD - 06.06.2016 1.41%8.23% MAH SDL - 09.09.2025 1.30%8.4%L&TLimited-24.09.2020 1.05%9.24% HDFC - 24.06.2024 0.91%9.90% Tata Sons - 20.03.2019 0.91%9.78% Tata Sons - 13.01.2019 0.91%9.85% Shriram Transport Finance Co Ltd 15.07.2017 0.89%8.92%L&TFinanceLtd.-06.07.2018 0.88%10.08% IOT Utkal Energy Services Limited - 20.03.2026 0.88%8.90% SAIL - 01.05.2019 CALL 01.05.2014 0.80%Current Asset/Liabilities 1.16%Others 21.32%Total 100.00%


5,701.64


66.06%

27.87%

6.07% G Sec., GGB




Equity Non Equity

- 100%


66.84%

22.45%


AAA

AA+


A1+

Fixed Deposit


9.58% 6.60% 10.69%

73.13%

0%

20%

40%

60%

80%

100%




Page 47

GROUP FUND


100.00%

0%

20%

40%

60%

80%

100%


KOTAK 57M FMP 07/04/2016 (ULGF-017-14/07/11-57FM070416-107)Fund Strategy : Will generate stable returns through investments in a suitable mix of debt and money market instruments.

Performance Meter Kotak Group 57M FMP Benchmark

Inception (14-Jul-11) 9.2% n.a.

5 years n.a n.a.

4 years 9.3% n.a.

3 years 9.1% n.a.

2 years 9.4% n.a.

1 year 8.9% n.a.

6 mth 4.4% n.a.

3 mth 2.1% n.a.

1 mth 0.7% n.a.

Benchmark Details: N/A


9.70% ANDHRA BANK FD - 07.04.2016 7.60%

9.50% SYNDICATE BANK FD - 07.04.2016 7.56%9.75% Tata Sons - 21.04.2016 7.40%9.60% HDFC - 07.04.2016 7.40%9.25% SBH FD - 07.04.2016 7.38%9.25% IOB FD - 07.04.2016 7.34%9.62% PFC - 29.06.2016 6.31%9.64% PGC - 31.05.2016 6.03%9.74% LIC Housing Finance - 15.07.2016 4.45%9.17% IDBI FD - 07.04.2016 3.73%9.25% OBC FD - 07.04.2016 3.65%9.25% SBBJ FD - 07.04.2016 3.65%9.25% OBC FD1 - 07.04.2016 3.55%Mutual Fund Investments 0.45%Current Asset/Liabilities 23.48%Others 0.00%Total 100.00%


2,710.48


76.07%




Equity Non Equity

- 100%


41.30%

58.12%

0.58% AAA

Fixed Deposit




Page 48

GROUP FUND


27.00% 19.55%

48.86%

4.59%

0%

20%

40%

60%

80%

100%


KOTAK GROUP SHORT TERM BOND FUND (ULGF-018-18/12/13-SHTRMBND-107)Fund Strategy : Will generate stable returns through investments in a suitable mix of debt and money market instruments.

Performance MeterKotak Group Short Term

Bond FundBenchmark

Inception (19-Oct-15) 1.0% 1.3%

5 years n.a n.a

4 years n.a n.a

3 years n.a n.a

2 years n.a n.a

1 year n.a n.a

6 mth n.a n.a

3 mth n.a n.a

1 mth 0.5% 0.6%

Benchmark Details: Crisil Short Term Bond Fund Index


6.05% GOI - 12.06.2019 16.68%

9.40% REC - 20.07.2017 8.03%8.19% GOI - 16.01.2020 7.54%IL&FSCP18.08.16 7.53%9.70% PFC - 31.01.2020 7.25%ICICI Bank CD - 28.06.16 7.16%9.25% LIC Housing Finance - 12.11.2022 7.15%TATA Capital Ltd CP - 19.08.16 7.06%9.70% HDFC - 18.03.2017 P - 18.04.15 6.01%8.52% GJ SDL - 19.01.2021 5.00%Mutual Fund Investments 4.58%8.13% GOI - 22.06.2045 4.48%9.25% Tata Sons - 19.06.2019 4.04%Sundaram Finance Ltd ZCB - 13.10.2017 2.55%8.92%L&TFinanceLtd.-06.07.2018 2.48%Current Asset/Liabilities 2.46%Others 0.00%Total 100.00%


1,010.79


37.50%

33.70%


G Sec., GGB



Equity Non Equity

- 100%


34.55%

33.29%

22.30%

5.15% 4.70%


AAA

A1+

AA+




INDIVIDUAL FUND

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ANNExUREThe Break-up of oThers is as given below

Equity ClassiC OppOrtunities Fund

Others 31.91%

R Shares Banking ETF 1.55%

Lupin Ltd 1.48%

Coal India Ltd 1.36%

Aurobindo Pharma Ltd 1.21%

HCL Technologies Ltd 1.21%

Bharat Electronics Ltd 1.20%

Bayer Cropscience Ltd 1.08%

Torrent Pharmaceuticals Ltd 1.08%

Asian Paints Ltd 1.06%

Mundra Port and Special Economic Zone Ltd 1.03%

Titan Industries Ltd 1.03%

IDFC Bank Ltd 1.03%

F A G Bearings India Ltd 0.98%

T V S Motor Co. Ltd. 0.95%

Strides Arcolab Ltd 0.94%

Motherson Sumi Systems Ltd 0.93%

Max India Ltd 0.93%

The Ramco Cements Limited 0.92%

Bharat Forge Ltd 0.89%

Ashok Leyland Ltd 0.86%

Voltas Ltd 0.83%

Dish TV India Ltd 0.82%

Kajaria Ceramics Limited 0.81%

Arvind Ltd 0.78%

Supreme Industries Ltd 0.71%

Jubilant Foodworks Ltd 0.70%

ABB Ltd 0.69%

United Spirits Ltd 0.68%

Bank of Baroda 0.60%

Sadbhav Infrastructure Project Ltd 0.60%

National Buildings Construction Corporation Ltd 0.58%

Eicher Motors Limited 0.57%

Container Corporation of India Ltd 0.51%

JK Cement Limited 0.50%

Infrastructure Development Finance Company Ltd 0.42%

Greenply Industries Ltd 0.31%

6% Zee Entertainment Enterprises Ltd Pref Shares 0.02%

Cipla Ltd 0.02%

Emami Ltd 0.01%

Equity dynamiC FlOOr Fund ii

Others 12.17%

Hindustan Petroleum Corporation Ltd 0.65%

Lupin Ltd 0.61%

Shree Cement Ltd 0.60%




Hero Honda Motors Ltd 0.48%



Ambuja Cements Ltd 0.41%

Aditya Birla Nuvo Ltd 0.41%




Whirlpool Of India Ltd 0.38%


Voltas Ltd 0.31%



Godrej Consumer Products Limited 0.29%

ABB Ltd 0.28%

Berger Paints India Ltd 0.28%


Ashoka Buildcon Ltd 0.27%

IDFC Bank Ltd 0.26%


Indian Hotels Company Ltd 0.21%


Max India Ltd 0.20%


Cipla Ltd 0.19%


Divis Laboratories Ltd 0.17%

Emami Ltd 0.15%





Equity BalanCed Fund

Others 17.39%

Lupin Ltd 0.91%
















Cipla Ltd 0.46%


Voltas Ltd 0.44%




IDFC Bank Ltd 0.37%


ABB Ltd 0.35%





Max India Ltd 0.27%





Colgate Palmolive India Ltd 0.18%




Emami Ltd 0.10%

The Indian Hotels Company Limited 0.06%


I F B Industries Ltd 0.01%

Equity FrOntline equity Fund

Others 31.03%

Lupin Ltd 1.56%


















Cipla Ltd 0.81%


Voltas Ltd 0.80%


IDFC Bank Ltd 0.66%



ABB Ltd 0.60%


Max India Ltd 0.53%











Emami Ltd 0.17%



Havells India Ltd 0.03%




INDIVIDUAL FUND

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Equity KOtaK OppOrtunities Fund

Others 32.36%


Lupin Ltd 1.50%










IDFC Bank Ltd 1.04%



Max India Ltd 0.94%






Voltas Ltd 0.84%



Arvind Ltd 0.80%



ABB Ltd 0.70%











Emami Ltd 0.01%

Cipla Ltd 0.01%

Equity KOtaK aggressive grOwth Fund

Others 27.17%



Lupin Ltd 1.59%





Voltas Ltd 1.16%






Cipla Ltd 0.89%




IDFC Bank Ltd 0.69%

Max India Ltd 0.58%









ABB Ltd 0.37%








Equity guarantee Fund

Others 9.63%

Bajaj Auto Ltd 0.56%


Dr Reddys Laboratories Ltd 0.53%

National Thermal Power Corporation Ltd 0.51%

IndusInd Bank Limited 0.47%

Power Grid Corporation of India Ltd 0.46%

Wipro Ltd 0.45%

Cipla Ltd 0.44%

UltraTech Cement Ltd 0.43%


Tech Mahindra Ltd 0.40%



Grasim Industries Ltd 0.36%

GAIL (India) Ltd 0.32%

Bharat Petroleum Corporation Ltd 0.32%

Bosch Ltd 0.29%


Idea Cellular Ltd 0.28%

Bharat Heavy Electricals Ltd 0.28%

YES BANK LTD 0.23%

ACC Ltd 0.23%

Tata Steel Ltd 0.23%

Hindalco Industries Ltd 0.19%

Vedanta Limited 0.18%

Tata Power Company Ltd 0.16%


Punjab National Bank 0.08%

Cairn India Ltd 0.08%

Equity KOtaK dynamiC grOwth Fund

Others 24.55%


Lupin Ltd 1.21%














Voltas Ltd 0.68%





Cipla Ltd 0.55%

IDFC Bank Ltd 0.55%




ABB Ltd 0.47%

Max India Ltd 0.45%












Emami Ltd 0.14%





INDIVIDUAL FUND

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Equity dynamiC FlOOr Fund

Others 9.14%







Wipro Ltd 0.43%

Cipla Ltd 0.42%









Bosch Ltd 0.27%




YES BANK LTD 0.22%

ACC Ltd 0.22%








Equity KOtaK dynamiC BalanCed Fund

Others 18.28%


Lupin Ltd 0.90%
















Voltas Ltd 0.50%

Cipla Ltd 0.49%




IDFC Bank Ltd 0.40%


ABB Ltd 0.35%

Max India Ltd 0.34%














Emami Ltd 0.10%



Equity peaK guarantee Fund i

Others 9.12%







Wipro Ltd 0.43%

Cipla Ltd 0.42%









Bosch Ltd 0.27%




YES BANK LTD 0.22%

ACC Ltd 0.22%








Equity KOtaK guaranteed grOwth Fund

Others 17.44%Zee Entertainment Enterprises Ltd 0.90%Lupin Ltd 0.87%Shree Cement Ltd 0.87%Coal India Ltd 0.78%HCL Technologies Ltd 0.69%Mundra Port and Special Economic Zone Ltd 0.67%Hero Honda Motors Ltd 0.66%United Spirits Ltd 0.63%Whirlpool Of India Ltd 0.61%Aditya Birla Nuvo Ltd 0.59%Aurobindo Pharma Ltd 0.55%Dish TV India Ltd 0.55%Strides Arcolab Ltd 0.54%T V S Motor Co. Ltd. 0.54%Torrent Pharmaceuticals Ltd 0.52%Berger Paints India Ltd 0.49%Voltas Ltd 0.48%The Ramco Cements Limited 0.46%Greenply Industries Ltd 0.44%Bank of Baroda 0.41%IDFC Bank Ltd 0.39%Ashoka Buildcon Ltd 0.38%F A G Bearings India Ltd 0.38%Godrej Consumer Products Limited 0.36%ABB Ltd 0.34%Ambuja Cements Ltd 0.34%Max India Ltd 0.32%Titan Industries Ltd 0.32%Infrastructure Development Finance Company Ltd 0.31%Indian Hotels Company Ltd 0.28%Cipla Ltd 0.26%Bharat Forge Ltd 0.26%Container Corporation of India Ltd 0.25%Supreme Industries Ltd 0.19%Bharat Electronics Ltd 0.15%Colgate Palmolive India Ltd 0.15%Divis Laboratories Ltd 0.14%The Indian Hotels Company Limited 0.12%Ashok Leyland Ltd 0.10%Emami Ltd 0.10%6% Zee Entertainment Enterprises Ltd Pref Shares 0.02%I F B Industries Ltd 0.01%Havells India Ltd 0.01%Grasim Industries Ltd 0.00%



INDIVIDUAL FUND

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EquityKOtaK guaranteed BalanCed

Fund

Others 14.30%


Lupin Ltd 0.73%














Voltas Ltd 0.41%




IDFC Bank Ltd 0.33%





ABB Ltd 0.28%





Max India Ltd 0.23%

Cipla Ltd 0.22%








Emami Ltd 0.08%


EquitypensiOn ClassiC

OppOrtunities Fund

Others 32.60%

Lupin Ltd 1.53%











IDFC Bank Ltd 1.05%




Max India Ltd 0.95%





Voltas Ltd 0.86%



Arvind Ltd 0.72%


ABB Ltd 0.67%












Emami Ltd 0.01%

EquityKOtaK pensiOn OppOrtunities

Fund

Others 31.98%


Lupin Ltd 1.48%










IDFC Bank Ltd 1.02%




Max India Ltd 0.92%





Voltas Ltd 0.83%



Arvind Ltd 0.79%



ABB Ltd 0.69%











Cipla Ltd 0.02%

Emami Ltd 0.01%

Equity pensiOn FrOntline equity Fund

Others 31.85%Asian Paints Ltd 1.76%Shree Cement Ltd 1.62%Coal India Ltd 1.51%Lupin Ltd 1.31%Ambuja Cements Ltd 1.28%Hero Honda Motors Ltd 1.25%HCL Technologies Ltd 1.25%United Spirits Ltd 1.21%Mundra Port and Special Economic Zone Ltd 1.20%Whirlpool Of India Ltd 1.17%Aditya Birla Nuvo Ltd 1.06%Dish TV India Ltd 1.01%Aurobindo Pharma Ltd 1.01%T V S Motor Co. Ltd. 1.00%Strides Arcolab Ltd 0.98%Berger Paints India Ltd 0.95%Voltas Ltd 0.92%Greenply Industries Ltd 0.89%The Ramco Cements Limited 0.84%Bank of Baroda 0.75%Torrent Pharmaceuticals Ltd 0.74%IDFC Bank Ltd 0.73%Ashoka Buildcon Ltd 0.71%Godrej Consumer Products Limited 0.70%Max India Ltd 0.62%ABB Ltd 0.61%Titan Industries Ltd 0.60%Infrastructure Development Finance Company Ltd 0.58%F A G Bearings India Ltd 0.49%Bharat Forge Ltd 0.48%Cipla Ltd 0.48%Container Corporation of India Ltd 0.47%Indian Hotels Company Ltd 0.42%Supreme Industries Ltd 0.34%Bharat Electronics Ltd 0.27%The Indian Hotels Company Limited 0.22%Ashok Leyland Ltd 0.19%Emami Ltd 0.18%6% Zee Entertainment Enterprises Ltd Pref Shares 0.04%I F B Industries Ltd 0.02%



INDIVIDUAL FUND

Page 53


Equity pensiOn guarantee Fund

Others 9.62%







Wipro Ltd 0.45%

Cipla Ltd 0.44%









Bosch Ltd 0.29%




YES BANK LTD 0.23%

ACC Ltd 0.23%








Equity KOtaK pensiOn grOwth Fund

Others 16.91%

Lupin Ltd 0.91%
















Voltas Ltd 0.47%




IDFC Bank Ltd 0.39%



ABB Ltd 0.35%


Max India Ltd 0.31%




Cipla Ltd 0.26%








Emami Ltd 0.10%



Equity KOtaK pensiOn FlOOr Fund

Others 9.27%







Wipro Ltd 0.43%

Cipla Ltd 0.43%









Bosch Ltd 0.27%




YES BANK LTD 0.23%

ACC Ltd 0.22%








Equity pensiOn FlOOr Fund ii

Others 12.30%


Lupin Ltd 0.62%
















Voltas Ltd 0.31%



ABB Ltd 0.28%




IDFC Bank Ltd 0.27%




Max India Ltd 0.20%


Cipla Ltd 0.19%



Emami Ltd 0.15%







INDIVIDUAL FUND

Page 54


Equity KOtaK pensiOn BalanCed Fund

Others 14.11%

Lupin Ltd 0.72%
















Voltas Ltd 0.38%





IDFC Bank Ltd 0.31%



ABB Ltd 0.28%


Max India Ltd 0.25%



Cipla Ltd 0.22%










Emami Ltd 0.08%



Equity pensiOn BalanCed Fund ii

Others 18.27%


Lupin Ltd 0.91%















Voltas Ltd 0.53%




IDFC Bank Ltd 0.44%






ABB Ltd 0.31%


Max India Ltd 0.28%

Cipla Ltd 0.27%









Emami Ltd 0.10%




EquityKOtaK grOup dynamiC FlOOr

Fund

Others 9.24%







Wipro Ltd 0.43%

Cipla Ltd 0.43%












Bosch Ltd 0.25%

YES BANK LTD 0.22%

ACC Ltd 0.22%








Equity KOtaK grOup BalanCed Fund

Others 18.70%


Lupin Ltd 0.92%
















Cipla Ltd 0.50%

Voltas Ltd 0.49%




IDFC Bank Ltd 0.40%



ABB Ltd 0.36%

Max India Ltd 0.34%












Emami Ltd 0.10%






Page 55

disClaimer :

Thoughdocumentisthoroughlyresearched&preparedbyourfundexperts.kotaklifeinsuranceltdhowevermakesnowarranties,representations,promisesorstatementsthat the information contained herein is clear, correct, precise or accurate. this document has been prepared for the purpose of providing an overview of kli funds without taking account of any particular investor’s objectives, financial situation or needs. you are therefore requested not to substitute this document with any professional opinion/advice and to use your discretion basis your financial objectives.

Risk factors :

• Unit Linked Life Insurance Products are different from traditional insurance products and are subject to the risk factors.

• ThepremiumpaidinUnitLinkedLifeInsuranceProductsaresubjecttoinvestmentriskassociatedwithcapitalmarketsandtheNAVsoftheunitsmaygoupordown based on the performance of the fund and factors influencing the capital market and insured is responsible for his/her decisions.

• KotakLifeInsuranceisonlythenameoftheInsuranceCompanyandthespecifiedUnitLinkedfundsdonotinanywayindicatethequalityofthecontract,itsfuture prospects or returns.

• Pleaseknowtheassociatedrisksandtheapplicablechargesfromyourinsuranceagentortheintermediaryorpolicydocumentoftheinsurer.

• Pastperformanceofanyofthefundsisnotindicativeoftheirfutureprospectsorreturns.

About Us :

About Kotak Mahindra Old Mutual Life Insurance

Kotak Mahindra Old Mutual Life Insurance is a 74:26 joint venture between Kotak Mahindra Bank Ltd., its affiliates and Old Mutual plc. A company that combines its international strengths and local advantages to offer its customers a wide range of innovative life insurance products, helping them takes important financial decisions at every stage in life and stay financially independent. The company is one of the fastest growing insurance companies in India and has shown remarkable growth since its inception in 2000. Kotak Life Insurance employs over 5500^ people in its various businesses and has 205^ branches pan India.

The Kotak Mahindra Group

The Kotak Mahindra group is one of India’s leading banking and financial services organizations, with offerings across personal financial services; commercial banking; corporate and investment banking and markets; stock broking; asset management and life insurance. The Kotak Group has a net worth of Rs. 19,076* cr and has a distribution network through branches, franchisees, representative offices and satellite offices across cities and towns in India and offices in London, New York, San Francisco, Singapore, Dubai and Mauritius, servicing around 7 million customer accounts.

Old Mutual plc

Old Mutual plc is an international savings and wealth management company based in the UK. Originating in South Africa in 1845, Old Mutual is a Global 500 and FTSE 100 company, listed in UK, South Africa and other 3 African exchanges. The group has a balanced portfolio of businesses offering Asset Management, Life Assurance, Banking and General Insurance Services in over 40 countries, with a focus on South Africa, Europe and the United States, and a growing presence in Asia Pacific.

*Source: Investor Relation- Earning update Q2 FY 2013-14.

^Public disclosure FY 2013-14

Kotak Mahindra Old Mutual Life Insurance Ltd., Regn. No.107, Regd. Office: 4th Floor, Vinay Bhavya Complex, 159 A, C.S.T. Road, Kalina, Santacruz (East), Mumbai - 400 098 . Website: http://insurance.kotak.com, Email: [email protected]. Insurance is the subject matter of the solicitation.

INDIVIDUAL FUND

fund update january 2016...bain capital. in the primary market, the usd 77mn ipo of sh kelkar saw...

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