Fact Sheet January – 2020 InveSTAR Trademark used under license from respective owners.
Fact Sheet
January – 2020
InveSTAR
Trademark used under license from respective owners.
Trademark used under license from respective owners.
MONTHLY REPORT – JANUARY 2020
From the Desk of Chief Investment Officer… OVERVIEW OF MARKET Nifty fell 1.7% in line with major global markets due to escalating tension between US
and Iran and rising concerns over fast spreading corona virus. Among the sectors IT,
FMCG and Pharma outperformed while Metals, Energy and Auto underperformed the
Nifty during the month. FIIs were net buyers to the tune of about Rs 97bn, while
domestic mutual funds sold Rs 29bn of equity during the month.
IIP reported a growth of 1.8% in November compared to a degrowth of 3.8% in
October. CPI inflation rose sharply to 7.4% in December against 5.5% in November.
WPI inflation moved up to 2.6% in December as against 0.6% in November.
Bond yields rose marginally during the month of January’20. The 10 year benchmark
G-Sec (6.45% GOI 2029) closed 4 bps higher at 6.60% against 6.56% last month.
UNION BUDGET FY 2020-21
Amid slower economic growth, low level of employment and relatively stable macro,
the Budget focused on economic growth and liberalised fiscal discipline within
acceptable limits. Due weightage has been provided to agriculture, rural development,
wellness, education and other social and welfare measures. Other thrust areas are
revival of capex cycle, particularly in infrastructure, start ups and manufacturing
sectors.
Keeping in mind the needs of individuals, the government proposed an optional
simplified income tax structure without any exemptions.
FUND PERFORMANCE
For 3 years period ending January 2020, majority of Equity and Growth funds
delivered annualised returns of around 9-11%. Majority of Balanced and Bond funds
delivered about 5-8% for the said period. Fund wise performance is detailed in the
following sheets.
FIXED INCOME MARKET OUTLOOK
Inspite of uptick in headline inflation, RBI’s recent action aimed at lowering overall
interest rate in the economy through better transmission remained favourable for the
market sentiment. Moreover, fall in global fixed income yield and correction in the
equity market and crude price also supported the market. However, lower revenue
collection owing to slower economic activity was cause of concern for the market.
Market was looking towards Union Budget announcement for clarity with respect to
any additional borrowing. Though absence of incremental borrowing is favourable for
the market in the near term, medium term outlook is contingent upon crude price
movement, central bank action and FPI flows.
EQUITY MARKET OUTLOOK
The new regime on personal income tax is likely to put more cash in the hands of
certain taxpayers, thereby marginally boosting consumption. Apart from consumption, a
recovery in overall capital formation cycle would benefit from lower interest rates,
higher corporate profitability and continued government infrastructure spending.
Corporate earnings so far were largely in line with estimates and growth pick up is
contingent on implementation of reforms, transmission of cumulative interest rate cuts
and global growth scenario. In this backdrop, stocks with strong business models within
the retail banking and consumption space offer a good means to build a core portfolio.
Performance Summary as on January 31 2020
Scheme Name
SFIN
NAV BM NAV BM NAV BM NAV BM NAV BM NAV BM
Apex Equity Fund
ULIF 009 20/01/10 SUD-LA-EQ1 142
Equity Fund
ULIF 002 25/02/09 SUD-LI-EQ1 142
Individual Pension Fund - Apex Equity
ULIF 013 20/01/10 SUD-PA-EQ1 142
Individual Pension Fund - Equity
ULIF 005 31/03/09 SUD-PI-EQ1 142
Apex Growth Fund
ULIF 010 20/01/10 SUD-LA-GR1 142
Growth Fund
ULIF 003 25/02/09 SUD-LI-GR1 142
Individual Pension Fund - Apex Growth
ULIF 014 20/01/10 SUD-PA-GR1 142
Individual Pension Fund - Growth
ULIF 006 31/03/09 SUD-PI-GR1 142
Apex Balanced Fund
ULIF 011 20/01/10 SUD-LA-BL1 142
Balanced Fund
ULIF 001 18/02/09 SUD-LI-BL1 142
Individual Pension Fund - Apex Balanced
ULIF 015 20/01/10 SUD-PA-BL1 142
Individual Pension Fund - Balanced
ULIF 007 31/03/09 SUD-PI-BL1 142
Express Balanced Fund
ULIF 017 29/04/11 SUD-LX-BL1 142
Apex Bond Fund
ULIF 012 20/01/10 SUD-LA-BN1 142
Bond Fund
ULIF 004 25/02/09 SUD-LI-BN1 142
Individual Pension Fund - Apex Bond
ULIF 016 20/01/10 SUD-PA-BN1 142
Individual Pension Fund - Bond
ULIF 008 31/03/09 SUD-PI-BN1 142
Discontinued Policies Fund
ULIF 018 03/06/11 SUD-UL-DP1 142
Bluechip Equity Fund
ULIF 019 11/12/13 SUD-LI-EQ2 142
Growth Plus Fund
ULIF 023 11/12/13 SUD-LI-GR2 142
Balanced Plus Fund
ULIF 024 11/12/13 SUD-LI-BL2 142
Individual Life Income Fund
ULIF 020 11/12/13 SUD-LI-BN2 142
Group Debt Fund
ULGF 003 20/03/15 SUD-GN-BN1 142
Group Money Market Fund
ULGF 004 20/03/15 SUD-GN-MM1 142
Group Balanced Fund
ULGF 002 20/03/15 SUD-GN-BL1 142
Total AUM 2497.56
5.89%
8.15%
7.92%
7.92% 9.31% 10.35%
23 06/10/2015 11.62 13.7093 1.64% 3.30% 8.55% 10.86% 6.28% 6.93% NA NA 7.57% 8.19%
21 29/01/2014 266.45 17.0719 3.46% 4.72% 8.48% 11.29%
10.12% 11.17% 6.37%6.96% 10.84% 10.00%
6.87% 8.53% 6.49%
4.91% 4.72%
5.33% 5.74%
6.37% 7.62%
6.58% 11.00% 11.29%
20 29/01/2014 360.66 18.2427 5.78% 6.42% 9.75% 10.93% 9.10% 10.48% 6.39% 7.11% 10.52% 11.29%
19 29/01/2014 388.66 18.7205 7.01%
17
18
8.23%
7.92%
7.93%
8.23%
6.49%
7.11%
7.55%
8.23%
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
8.14%
8.63%
8.74%
8.71%
8.14%
8.92%
10.86%
11.29%
7.38%
20/01/2010 27.61 24.3787
20/01/2010 29.87 23.9607
20/01/2010 82.78 21.1835
Inception date AUM (Rs. Cr) NAV (Rs.)
4.72%
7.17%
6.42%
3.30%
7.17%
6.42%
4.72%
31/03/2009 6.51
7.17%
3.30%
7.17%
6.42%
5.59%
Absolute
10.15%
10.64%
1 Year
18/02/2009 10.09 26.6579
11.31%
9.36%
10.72% 13.47%
10.45% 7.05%
6.93%
9.14%
7.55%
8.23%
12.72%
7.87%
13.05%
12.17%
9.95%
9.72%
3 Year 5 Year Since Inception (A)
10.11%
13.77%6.52% 14.44%
9.29%
9.10%
6.49%
7.11%
8.88%
9.27%6.62%
11.38%
7.92%
6.49%
8.53%
12.93%
11.40%
2.72 21.6889 1.00% 7.94% 7.65% 5.77%
23.4960 5.15% 9.57%5.59% 8.59%11.15%
6.21%
3.30%
20.5717
7.40%
7.28% 7.54%
3.30%
8.68%
8.73%
6.82%
8.63%
8.74%
8.71%
29/04/2011 43.77 20.0605 2.59%
20/01/2010 12.52 22.8235 4.30%
20/01/2010 3.90
20/01/2010 219.97
1.73%
2.37% 7.79% 5.83%10.86%
6.14%
03/06/2011 234.65 17.8791 2.96% 6.99%
6 Month
11.29%
10.15%
10.93%
10.15%
10.93%
7.24% 11.02%
6.31% 11.58%
10.15%
10.93%
31.9607 6.23%
31/03/2009
7.29%8.34%3.13% 7.30%
8.32% 6.77% 8.57%
5.48% 6.93% 7.45%
7.33% 6.64% 6.29% 8.27%
11.15%
10.86%
11.29%4.72%
7.77%
7.92%
6.93% 7.24%
6.93% 7.06%
11.06%
11.38%
10.48%
11.38%
6.49%
7.11%
11.83%
7.92%
6.42%
11.17% 11.32% 6.49%
11.38%
10.48%
6.65%
6.33%
9.14%
25/02/2009 22.68 43.9141 7.35%
25/02/2009 81.83 40.0509 6.28%
24.0469 6.01%20/01/2010 282.66
7.11%
10.93% 10.48%
5.04% 4.53%
4.86% 4.53%
9.59% 6.84%
2.49% 6.83%
9.67% 6.56%
6.45% 5.86%
11.27% 10.00%
7.13%
8.53%5.26% 7.62%
9.53%
10.48%
25 17/10/2019 0.10 10.2102 NA NA NA
22 29/01/2014 103.57 15.8102 1.18% 3.28% 6.41%
24 09/08/2019 1.55 10.2493 NA NA NA
25/02/2009 5.04 22.0545 2.12% 8.97%
20/01/2010 286.97 24.3474 7.32% 10.88%
31/03/2009 7.50 37.3855
31/03/2009 3.91 25.8044 1.94% 5.84%
NA 7.43% 8.36%
4.95% 6.94% 6.44% 8.18% 7.92% 9.17%5.97% 8.60%
7.81% 8.68%
NA NA
NA NA NA NA NA NA NA 5.27%
10.63%
NA NA NA NA
6.76%
5.97%
5.65% 6.71%
6.80% 8.11%
6.93%
6.05%
10.86%
8.53%
9.53%
8.68%
CAGR (Annualised)
4.67% 7.62%
5.20% 7.62%
7.17% 8.68%
7.91% 8.68%
4.89% 5.74%
5.69% 5.74%
6.25% 5.74%
5.79% 5.74%
5.54% 6.71%
2 Year
4.40% 4.53%
4.47% 4.53%
InveSTAR
Trademark used under licence from respective owners.
142L003V01 142L004V01 142L008V01 142L028V01 142L010V01 142L018V01 142L019V01 142L020V01 142L024V01 142L025V01 142L026V01 142L021V01 142L041V01 142L042V01 142L049V01
Fund Name (SFIN)
Apex Equity Fund
ULIF 009 20/01/10 SUD-LA-EQ1 142
Equity Fund
ULIF 002 25/02/09 SUD-LI-EQ1 142
Individual Pension Fund - Apex Equity
ULIF 013 20/01/10 SUD-PA-EQ1 142
Individual Pension Fund - Equity
ULIF 005 31/03/09 SUD-PI-EQ1 142
Bluechip Equity Fund
ULIF 019 11/12/13 SUD-LI-EQ2 142
Apex Growth Fund
ULIF 010 20/01/10 SUD-LA-GR1 142
Growth Fund
ULIF 003 25/02/09 SUD-LI-GR1 142
Individual Pension Fund - Apex Growth
ULIF 014 20/01/10 SUD-PA-GR1 142
Individual Pension Fund - Growth
ULIF 006 31/03/09 SUD-PI-GR1 142
Growth Plus Fund
ULIF 023 11/12/13 SUD-LI-GR2 142
Apex Balanced Fund
ULIF 011 20/01/10 SUD-LA-BL1 142
Balanced Fund
ULIF 001 18/02/09 SUD-LI-BL1 142
Individual Pension Fund - Apex Balanced
ULIF 015 20/01/10 SUD-PA-BL1 142
Individual Pension Fund - Balanced
ULIF 007 31/03/09 SUD-PI-BL1 142
Express Balanced Fund
ULIF 017 29/04/11 SUD-LX-BL1 142
Balance Plus Fund
ULIF 024 11/12/13 SUD-LI-BL2 142
Apex Bond Fund
ULIF 012 20/01/10 SUD-LA-BN1 142
Bond Fund
ULIF 004 25/02/09 SUD-LI-BN1 142
Individual Pension Fund - Apex Bond
ULIF 016 20/01/10 SUD-PA-BN1 142
Individual Pension Fund - Bond
ULIF 008 31/03/09 SUD-PI-BN1 142
Income Fund
ULIF 020 11/12/13 SUD-LI-BN2 142
Group Debt Fund
ULGF 003 20/03/15 SUD-GN-BN1 142
Group Balanced Fund
ULGF 002 20/03/15 SUD-GN-BL1 142
Group Money Market Fund
ULGF 004 20/03/15 SUD-GN-MM1 142
Discontinued Life Policies Fund
ULIF 018 03/06/11 SUD-UL-DP1 142
P
23
Mapping of Funds and Products (Funds representing the underlying Products)
P P P
1
2
3
4
20
25
Product Name (UIN)
Dhan SurakshaDhan Suraksha
PremiumPrabhat Tara
13
14
15
17
18
19
6
7
8
9
11
12
P
P
P
P
P
P
New Dhruv
Tara
Dhan Suraksha
Express
Dhruv Tara
Product
New Dhan
Suraksha
New Dhan
Suraksha
Premium
Dhan Suraksha
3
Dhan
Suraksha
Premium 3
Prabhat Tara
3
New Prabhat
Tara
P
P
P P
P
P
P
P P
P
P
P PP
P P P
P
P
P
P P P P P
P
P P P
P P
Dhan
Suraksha Plus
Wealth Builder
Plan
P P
P
P P
EQUITY FUND
5
P P
P P
10
GROWTH FUND
P
16
P
P
P
DISCONTINUED FUND
BOND FUND
P
22
GROUP UNIT LINKED FUND
21P P
BALANCED FUND
P
P
SUD Life Group
Retirement Benefit
Plan
P
P P
P
24
Trademark used under licence from respective owners.
Summary of number of Funds managed by Fund Managers alongwith details of Equity, Balanced and Debt
Sr. No. TYPE OF FUND NAME OF FUNDS MANAGERNO. OF FUNDS MANAGED
NAME OF FUNDS AUM
1 Apex Equity Fund 286.97
2 Equity Fund 22.68
3 Individual Pension Fund - Apex Equity 27.61
4 Individual Pension Fund - Equity 7.50
5 Bluechip Equity Fund 388.66
TOTAL 733.42
6 Apex Growth Fund 282.66
7 Growth Fund 81.83
8 Individual Pension Fund - Apex Growth 29.87
9 Individual Pension Fund - Growth 6.51
10 Growth Plus Fund 360.66
11 Apex Balanced Fund 219.97
12 Balanced Fund 10.09
13 Individual Pension Fund - Apex Balanced 12.52
14 Individual Pension Fund - Balanced 3.91
15 Express Balanced Fund 43.77
16 Group Balanced Fund 0.10
17 Balanced Plus Fund 266.45
TOTAL 1,318.33
18 Apex Bond Fund 82.78
19 Bond Fund 5.04
20 Individual Pension Fund - Apex Bond 3.90
21 Individual Pension Fund - Bond 2.72
22 Individual Life Income Fund 103.57
23 Group Debt Fund 11.62
24 Group Money Market Fund 1.55
25 Discontinued Policies Fund 234.65
TOTAL 445.81
Total Funds 25 TOTAL AUM 2,497.56
EQUITY FUND
GROWTH AND
BALANCED FUND
BOND FUND
5
12
8
EQUITY - Mr. SUMIT PODDAR
EQUITY BALANCE FUND-
Mr. SUMIT PODDAR
EQUITY GROWTH FUND-
Mr. JAGDISH BHANUSHALI
DEBT - Mr. RAM KAMAL SAMANTA
/ Mr. LAKSHMAN CHETTIAR
DEBT - Mr. RAM KAMAL SAMANTA
/ Mr. LAKSHMAN CHETTIAR
InveSTAR
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
January 20, 2010 ULIF 009 20/01/10 SUD-LA-EQ1 142
Products: AUM : Rs. 286.97 Cr
NAV : 24.3474
Portfolio % to AUM
`
Equity (Top 10 Holdings or >1%) Minimum Maximum
Reliance Industries Ltd 7.53% 80% 100% 262.43 91.45%
Larsen & Toubro Limited 5.75% 0% 20% 24.53 8.55%
Infosys Ltd. 5.70%
HDFC Bank Ltd 5.63%
SBI-ETF NIFTY BANK 5.31%
ITC Ltd. 5.31%
Housing Development Finance Corporation Ltd. 4.69%
ICICI Bank Ltd 4.55%
Tata Consultancy Services Limited 3.42%
State Bank of India 2.76%
Kotak Mahindra Bank Limited 2.58%
Hindustan Unilever Limited 2.02%
Nippon India ETF Bank BeES 2.01%
Bharti Airtel Limited 1.99%
HCL Technologies Ltd 1.78%
Mahindra & Mahindra Ltd. 1.62%
Cipla Ltd. 1.39%
Hero Motocorp Ltd. 1.31%
Asian Paints Ltd. 1.27%
Axis Bank Limited 1.22%
IPCA LABORATORIES LTD. 1.05%
Tata Motors Limited 1.03%
Ambuja Cements Ltd 1.02%
SBI-ETF Nifty 50 1.02%
Others (with < 1% exposure) 19.47%
Equity 91.45%
MM & Others 8.55%
Total 100.00%
`
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year 5 Year Since Inception
Apex Equity Fund -0.58% 0.48% 7.32% 10.88% 4.40% 11.40% 6.62% 9.27%
Benchmark -1.48% 0.79% 7.17% 10.15% 4.53% 11.38% 6.49% 8.63%
APEX EQUITY FUND -JANUARY 2020
Equity
MM & Others
Absolute
Name of Fund Manager:
Mr. Sumit Poddar
To tap growth opportunities for long term capital appreciation through investments primarily in equity and
equity-related instruments.
Investment PatternActual
Asset Mix
Particulars
For New Dhan Suraksha, New Dhan Suraksha Premium,
New Prabhat Tara, Dhan Suraksha 3, Dhan Suraksha
Premium 3 & Prabhat Tara 3.
Benchmark :
Nifty 50 Index - 90%
CRISIL Liquid Fund Index - 10%
AUM (Rs. In Cr)
Fund returns vis a vis BenchmarkCAGR (Annualised)
23.54%
13.37%
9.11%
6.19%
5.31%
4.39%
4.20%
4.14%
3.25%
2.78%
6.85%
Financial & Insurance Activities
Computer programming, consultancy andrelated activities
Manufacture of coke and refined petroleumproducts
Civil engineering
Manufacture of tobacco products
Manufacture of chemicals and chemicalproducts
Manufacture of motor vehicles, trailers andsemi-trailers
Manufacture of pharmaceuticals,medicinalchemical and botanical products
Infrastructure
Manufacture of Basic Metals
Others
Top 10 Industry Exposure ( % to AUM)
Equity91.45%
MM & Others8.55%
Asset Allocation (% to AUM)
9.00
10.00
11.00
12.00
13.00
14.00
15.00
16.00
17.00
18.00
19.00
20.00
21.00
22.00
23.00
24.00
25.00
Jan
-10
Jun
-10
No
v-1
0
Ap
r-1
1
Sep
-11
Feb
-12
Jul-
12
Dec
-12
May
-13
Oct
-13
Mar
-14
Au
g-1
4
Jan
-15
Jun
-15
No
v-1
5
Ap
r-1
6
Sep
-16
Feb
-17
Jul-
17
Dec
-17
May
-18
Oct
-18
Mar
-19
Au
g-1
9
Jan
-20
NA
V/U
NIT
(R
s)
NAV Performance (Since Inception)NAV Benchmark
Trademark used under licence from respective owners.
Investment Objective:
Date of Inception : SFIN No.
February 25, 2009 ULIF 002 25/02/09 SUD-LI-EQ1 142
Products : AUM : Rs. 22.68 Cr
NAV : 43.9141
Portfolio % to AUM
`
Equity (Top 10 Holdings or >1%) Minimum Maximum
Reliance Industries Ltd 7.48% 80% 100% 20.66 91.07%
Infosys Ltd. 5.64% 0% 20% 2.02 8.93%
SBI-ETF NIFTY BANK 5.38%
ITC Ltd. 5.24%
Larsen & Toubro Limited 4.93%
HDFC Bank Ltd 4.73%
Housing Development Finance Corporation Ltd. 4.59%
ICICI Bank Ltd 4.08%
Tata Consultancy Services Limited 3.40%
State Bank of India 2.74%
Kotak Mahindra Bank Limited 2.56%
Nippon India ETF Bank BeES 2.41%
Hindustan Unilever Limited 2.39%
Bharti Airtel Limited 1.99%
HCL Technologies Ltd 1.77%
Mahindra & Mahindra Ltd. 1.73%
Cipla Ltd. 1.53%
Hero Motocorp Ltd. 1.31%
Asian Paints Ltd. 1.26%
Axis Bank Limited 1.17%
IPCA LABORATORIES LTD. 1.05%
Maruti Suzuki India Limited 1.04%
DIVI'S LABORATORIES LTD. 1.04%
SBI-ETF Nifty 50 1.02%
Tata Motors Limited 1.01%
Hindalco Industries Ltd. 1.00%
Ambuja Cements Ltd 1.00%
Others (with < 1% exposure) 17.57%
Equity 91.07%
MM & Others 8.93%
Total 100.00%
`
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year 5 Year Since Inception
Equity Fund -0.49% 0.62% 7.35% 10.64% 4.47% 11.06% 6.52% 14.44%
Benchmark -1.48% 0.79% 7.17% 10.15% 4.53% 11.38% 6.49% 13.77%
To tap growth opportunities for long term capital appreciation through investments primarily in equity and
equity-related instruments.
Investment PatternActual
Asset Mix
Particulars
Benchmark :
Nifty 50 Index - 90%
CRISIL Liquid Fund Index - 10%
For Dhan Suraksha, Dhan Suraksha Premium, Prabhat
Tara.
EQUITY FUND - JANUARY 2020
Name of Fund Manager:
Mr. Sumit Poddar
AUM (Rs. In Cr)
Fund returns vis a vis Benchmark
Equity
MM & Others
Absolute CAGR (Annualised)
22.49%
13.06%
9.14%
5.48%
5.24%
4.74%
4.62%
4.34%
3.13%
2.94%
7.09%
Financial & Insurance Activities
Computer programming, consultancy and relatedactivities
Manufacture of coke and refined petroleumproducts
Civil engineering
Manufacture of tobacco products
Manufacture of chemicals and chemical products
Manufacture of motor vehicles, trailers and semi-trailers
Manufacture of pharmaceuticals,medicinalchemical and botanical products
Infrastructure
Manufacture of Basic Metals
Others
Top 10 Industry Exposure (% to AUM)
Equity91.07%
MM & Others8.93%
Asset Allocation (% to AUM)
14.00
16.00
18.00
20.00
22.00
24.00
26.00
28.00
30.00
32.00
34.00
36.00
38.00
40.00
42.00
44.00
Feb
-09
Jul-
09
Dec
-09
May
-10
Oct
-10
Ap
r-1
1
Sep
-11
Feb
-12
Jul-
12
Dec
-12
May
-13
Oct
-13
Mar
-14
Au
g-1
4
Jan
-15
Jun
-15
No
v-1
5
Ap
r-1
6
Sep
-16
Feb
-17
Jul-
17
Dec
-17
May
-18
Oct
-18
Mar
-19
Au
g-1
9
Jan
-20
NA
V/U
NIT
(R
s)
NAV Performance (Since Inception)
NAV Benchmark
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
January 20, 2010 ULIF 013 20/01/10 SUD-PA-EQ1 142
Products : AUM : Rs. 27.61 Cr
NAV : 24.3787
Portfolio % to AUM
`
Equity (Top 10 Holdings or >1%) Minimum Maximum
Reliance Industries Ltd 7.55% 80% 100% 25.30 91.64%
Larsen & Toubro Limited 5.76% 0% 20% 2.31 8.36%
Infosys Ltd. 5.72%
HDFC Bank Ltd 5.47%
ITC Ltd. 5.32%
SBI-ETF NIFTY BANK 5.31%
Housing Development Finance Corporation Ltd. 4.72%
ICICI Bank Ltd 4.51%
Tata Consultancy Services Limited 3.43%
State Bank of India 2.71%
Kotak Mahindra Bank Limited 2.60%
Hindustan Unilever Limited 2.04%
Nippon India ETF Bank BeES 2.04%
Bharti Airtel Limited 2.00%
HCL Technologies Ltd 1.79%
Mahindra & Mahindra Ltd. 1.59%
Cipla Ltd. 1.40%
Hero Motocorp Ltd. 1.32%
Asian Paints Ltd. 1.27%
Axis Bank Limited 1.22%
IPCA LABORATORIES LTD. 1.06%
Tata Motors Limited 1.03%
SBI-ETF Nifty 50 1.02%
Ambuja Cements Ltd 1.02%
Others (with < 1% exposure) 19.75%
Equity 91.64%
MM & Others 8.36%
Total 100.00%
`
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year 5 Year Since Inception
Individual Pension Fund - Apex Equity -0.48% 0.56% 7.24% 11.02% 5.04% 11.83% 6.65% 9.29%
Benchmark -1.48% 0.79% 7.17% 10.15% 4.53% 11.38% 6.49% 8.63%
Fund returns vis a vis Benchmark
individual Pension FUND APEX EQUITY - JANUARY 2020
Equity
For New Dhruv Tara Products
MM & Others
Absolute
Name of Fund Manager:
Mr. Sumit Poddar
CAGR (Annualised)
To seek consistent long term capital appreciation through investments primarily in equity and equity-related
instruments by focusing predominantly on well established companies.
Asset Mix
ParticularsInvestment Pattern
Actual
Benchmark :
Nifty 50 Index - 90%
CRISIL Liquid Fund Index - 10%
AUM (Rs. In Cr)
23.64%
13.42%
9.14%
6.20%
5.32%
4.41%
4.18%
4.13%
3.23%
2.79%
6.81%
Financial & Insurance Activities
Computer programming, consultancy andrelated activities
Manufacture of coke and refined petroleumproducts
Civil engineering
Manufacture of tobacco products
Manufacture of chemicals and chemicalproducts
Manufacture of motor vehicles, trailers andsemi-trailers
Manufacture of pharmaceuticals,medicinalchemical and botanical products
Infrastructure
Manufacture of Basic Metals
Others
Top 10 Industry Exposure ( % to AUM)
Equity91.64%
MM & Others8.36%
Asset Allocation (% to AUM)
8.50
10.50
12.50
14.50
16.50
18.50
20.50
22.50
24.50
Jan
-10
May
-10
Sep
-10
Jan
-11
May
-11
Sep
-11
Jan
-12
May
-12
Sep
-12
Jan
-13
May
-13
Sep
-13
Jan
-14
May
-14
Sep
-14
Jan
-15
May
-15
Sep
-15
Jan
-16
May
-16
Sep
-16
Jan
-17
May
-17
Sep
-17
Jan
-18
May
-18
Sep
-18
Jan
-19
May
-19
Sep
-19
Jan
-20
NA
V/U
NIT
(R
s)
NAV Performance (Since Inception)
NAV Benchmark
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
March 31, 2009 ULIF 005 31/03/09 SUD-PI-EQ1 142
Products : AUM : Rs. 7.50 Cr
NAV : 37.3855
Portfolio % to AUM
`
Equity (Top 10 Holdings or >1%) Minimum Maximum
Reliance Industries Ltd 7.44% 80% 100% 7.01 93.37%
Infosys Ltd. 5.77% 0% 20% 0.50 6.63%
SBI-ETF NIFTY BANK 5.52%
Larsen & Toubro Limited 5.07%
ITC Ltd. 4.99%
HDFC Bank Ltd 4.93%
Housing Development Finance Corporation Ltd. 4.87%
ICICI Bank Ltd 4.26%
Tata Consultancy Services Limited 3.46%
State Bank of India 2.79%
Nippon India ETF Bank BeES 2.64%
Hindustan Unilever Limited 2.61%
Kotak Mahindra Bank Limited 2.60%
Bharti Airtel Limited 2.02%
HCL Technologies Ltd 1.80%
Cipla Ltd. 1.61%
Mahindra & Mahindra Ltd. 1.45%
Hero Motocorp Ltd. 1.33%
Asian Paints Ltd. 1.29%
Axis Bank Limited 1.23%
DIVI'S LABORATORIES LTD. 1.10%
Bajaj Finance Ltd. 1.08%
IPCA LABORATORIES LTD. 1.06%
Hindalco Industries Ltd. 1.06%
Tata Motors Limited 1.05%
SBI-ETF Nifty 50 1.03%
Escorts Ltd. 1.03%
National Aluminium Co. Ltd. 1.01%
Others (with < 1% exposure) 17.26%
Equity 93.37%
MM & Others 6.63%
Total 100.00%
`
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year 5 Year Since Inception
Individual Pension Fund - Equity -0.46% 0.56% 7.92% 11.17% 4.86% 11.32% 6.49% 12.93%
Benchmark -1.48% 0.79% 7.17% 10.15% 4.53% 11.38% 6.49% 13.05%
Fund returns vis a vis Benchmark
Individual pension FUND EQUITY - JANUARY 2020
MM & Others
Equity
For Dhruv Tara Products
Absolute
Name of Fund Manager:
Mr. Sumit Poddar
CAGR (Annualised)
To seek consistent long term capital appreciation through investments primarily in equity and equity-related
instruments by focusing predominantly on well established companies.
Asset Mix
ParticularsInvestment Pattern
Actual
Benchmark :
Nifty 50 Index - 90%
CRISIL Liquid Fund Index - 10%
AUM (Rs. In Cr)
23.53%
13.18%
9.18%
5.72%
5.01%
4.99%
4.51%
4.47%
3.05%
3.04%
7.50%
Financial & Insurance Activities
Computer programming, consultancy and relatedactivities
Manufacture of coke and refined petroleum products
Civil engineering
Manufacture of chemicals and chemical products
Manufacture of tobacco products
Manufacture of pharmaceuticals,medicinal chemicaland botanical products
Manufacture of motor vehicles, trailers and semi-trailers
Infrastructure
Manufacture of Basic Metals
Others
Top 10 Industry Exposure ( % to AUM)
Equity93.37%
MM & Others6.63% Asset Allocation (% to AUM)
11.00
13.00
15.00
17.00
19.00
21.00
23.00
25.00
27.00
29.00
31.00
33.00
35.00
37.00
39.00
Ap
r-09
Au
g-0
9
Dec
-09
Ap
r-10
Au
g-1
0
Dec
-10
May
-11
Sep
-11
Jan
-12
May
-12
Sep
-12
Jan
-13
Jun
-13
Oct
-13
Feb
-14
Jun
-14
Oct
-14
Feb
-15
Jul-
15
No
v-1
5
Mar
-16
Jul-
16
No
v-1
6
Mar
-17
Au
g-1
7
Dec
-17
Ap
r-18
Au
g-1
8
Dec
-18
May
-19
Sep
-19
Jan
-20
NA
V/U
NIT
(R
s)
NAV Performance (Since Inception)
NAV Benchmark
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
January 29, 2014 ULIF 019 11/12/13 SUD-LI-EQ2 142
Products : AUM : Rs. 388.66 Cr
NAV : 18.7205
Portfolio % to AUM
Equity (Top 10 Holdings or >1%) Minimum Maximum
Reliance Industries Ltd 7.36% 70% 100% 344.66 88.68%
Infosys Ltd. 5.51% 0% 30% 43.99 11.32%
Larsen & Toubro Limited 5.47%
HDFC Bank Ltd 5.27%
SBI-ETF NIFTY BANK 5.22%
ITC Ltd. 5.14%
ICICI Bank Ltd 4.89%
Housing Development Finance Corporation Ltd. 4.52%
Tata Consultancy Services Limited 3.35%
State Bank of India 2.70%
Kotak Mahindra Bank Limited 2.53%
Bharti Airtel Limited 1.98%
Hindustan Unilever Limited 1.89%
Nippon India ETF Bank BeES 1.89%
HCL Technologies Ltd 1.75%
Mahindra & Mahindra Ltd. 1.45%
Cipla Ltd. 1.33%
Hero Motocorp Ltd. 1.29%
Asian Paints Ltd. 1.24%
Axis Bank Limited 1.20%
IPCA LABORATORIES LTD. 1.03%
SBI-ETF Nifty 50 1.01%
Tata Motors Limited 1.00%
Others (with < 1% exposure) 19.66%
Equity 88.68%
MM & Others 11.32%
Total 100.00%
`
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year 5 Year Since Inception
Bluechip Equity Fund -0.62% 0.42% 7.01% 10.84% 4.91% 10.12% 6.37% 11.00%
Benchmark -1.37% 0.83% 6.96% 10.00% 4.72% 11.17% 6.58% 11.29%
Fund returns vis a vis Benchmark
Individual BLUE CHIP EQUITY - JANUARY 2020
MM & Others
Asset Mix
For Dhan Suraksha Plus & Wealth Builder Plan
The fund seeks to achieve long term capital appreciation by investing predominantly in equity and equity related
securities.
Benchmark :
Nifty 50 Index - 85%
CRISIL Liquid Fund Index - 15%
Absolute
Name of Fund Manager:
Mr. Sumit Poddar
CAGR (Annualised)
ParticularsInvestment Pattern
Actual
Equity
AUM (Rs. In Cr)
23.38%
13.00%
8.89%
5.88%
5.14%
4.20%
3.93%
3.76%
3.11%
2.69%
6.59%
Financial & Insurance Activities
Computer programming, consultancy and relatedactivities
Manufacture of coke and refined petroleumproducts
Civil engineering
Manufacture of tobacco products
Manufacture of chemicals and chemical products
Manufacture of pharmaceuticals,medicinal chemicaland botanical products
Manufacture of motor vehicles, trailers and semi-trailers
Infrastructure
Manufacture of Basic Metals
Others
Top 10 Industry Exposure ( % to AUM)
Equity88.68%
MM & Others11.32%
Asset Allocation (% to AUM)
10.00
11.00
12.00
13.00
14.00
15.00
16.00
17.00
18.00
19.00
20.00
Jan
-14
Jun
-14
Oct
-14
Feb
-15
Jun
-15
Oct
-15
Mar
-16
Jul-
16
No
v-16
Mar
-17
Au
g-1
7
Dec
-17
Ap
r-1
8
Au
g-1
8
Dec
-18
May
-19
Sep
-19
Jan
-20
NA
V/U
NIT
(R
s)
NAV Performance (Since Inception)
NAV Benchmark
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
January 20, 2010 ULIF 010 20/01/10 SUD-LA-GR1 142
Products : AUM : Rs. 282.66 CrNAV : 24.0469 Equity Mr. Jagdish Bhanushali
Debt Mr. Ram Kamal Samanta / Mr. Lakshman Chettiar
Portfolio % to AUM
`
Equity (Top 10 Holdings or >1%) Minimum Maximum
HDFC Bank Ltd 6.60% 55% 85% 191.06 67.59%
Reliance Industries Ltd 5.45% 15% 45% 91.60 32.41%
ICICI Bank Ltd 4.46%
Larsen & Toubro Limited 3.98%
Infosys Ltd. 3.95%
ITC Ltd. 3.88%
Housing Development Finance Corporation Ltd. 3.24%
Kotak Mahindra Bank Limited 2.44%
Tata Consultancy Services Limited 2.37%
State Bank of India 2.35%
SBI-ETF NIFTY BANK 2.21%
Nippon India ETF Bank BeES 1.41%
Bharti Airtel Limited 1.39%
Axis Bank Limited 1.37%
Hindustan Unilever Limited 1.26%
HCL Technologies Ltd 1.24%
Mahindra & Mahindra Ltd. 1.10%
Hero Motocorp Ltd. 1.10%
Others (with < 1% exposure) 17.81%
Equity 67.59%
Debt 28.20%
Gilts & SDL 18.10%
Gilts & SDL (Top 10 Holdings)
7.63% GOI- 17-Jun-2059 6.90%
6.18% GOI 04-Nov-2024 4.00%
7.57% GOI- 17-Jun-2033 3.77%
07.32% GOI-28-Jan-2024 1.86%
7.06% GOI- 10-Oct-2046 1.02%
6.62% GOI- 28-Nov-2051 0.54%
Others 0.00%
Corporate Bonds 10.10%
Corporate Bonds (Top 10 Holdings)
HDFC LTD. 2.45%
SIKKA PORTS & TERMINALS LIMITED 1.72%
STEEL AUTHORITY OF INDIA LTD. 1.36%
POWER GRID CORPORATION OF INDIA LTD 1.16%
RELIANCE INDUSTRIES LTD 0.78%
DEWAN HOUSING FINANCE CORP. LTD. 0.72%
LARSEN & TOUBRO LTD. 0.64%
LIC HOUSING FINANCE LTD 0.61%
IL & FS LTD. 0.24%
SUNDARAM FINANCE LTD. 0.19%
Others 0.22%
MM & Others 4.21%
Total 100.00%
`
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year 5 Year Since Inception
Apex Growth Fund -0.34% 0.83% 6.01% 9.72% 4.89% 9.59% 6.84% 9.14%
Benchmark -0.96% 1.02% 6.42% 10.93% 5.74% 10.48% 7.11% 8.74%
Fund returns vis a vis Benchmark
APEX GROWTH FUND - JANUARY 2020
Equity
Debt, MM & Others
Absolute
Name of Fund Manager:
CAGR (Annualised)
To aim for medium to long term capital appreciation by maintaining a diversified portfolio of equity and equity
related instruments and fair exposure to high credit quality portfolio of debt and money market instruments.
Investment PatternActual
Asset Mix
Particulars
For New Dhan Suraksha, New Dhan Suraksha Premium,
New Prabhat Tara, Dhan Suraksha 3, Dhan Suraksha
Benchmark :
Nifty 50 Index - 70%
CRISIL Composite Bond Index - 30%
AUM (Rs. In Cr)
23.25%
9.27%
7.33%
5.35%
4.92%
3.88%
3.30%
3.06%
2.90%
2.85%
7.96%
Financial & Insurance Activities
Computer programming, consultancy and relatedactivities
Manufacture of coke and refined petroleum products
Infrastructure
Civil engineering
Manufacture of tobacco products
Manufacture of Basic Metals
Housing Sector
Manufacture of chemicals and chemical products
Manufacture of pharmaceuticals,medicinal chemicaland botanical products
Others
Top 10 Industry Exposure ( % to AUM)
< 1 year 1-3 years 3-5 years 5-10 years > 10 years
15.17%
9.95%
24.80%
6.70%
43.39%
Debt Maturity Profile ( % of Debt)
Debt28.20%
Equity67.59%
MM & Others4.21%
Asset Allocation (% to AUM)
AAA27.57%
AA-4.84%
Gilts64.18%
D3.40%
Debt Rating Profile (% of Debt)
Modified Duration - 5.04 yrs
9.50
11.50
13.50
15.50
17.50
19.50
21.50
23.50
25.50
Jan
-10
Jul-
10
Jan
-11
Jul-
11
Jan
-12
Jul-
12
Jan
-13
Jul-
13
Jan
-14
Jul-
14
Jan
-15
Jul-
15
Jan
-16
Jul-
16
Jan
-17
Jul-
17
Jan
-18
Jul-
18
Jan
-19
Jul-
19
Jan
-20
NA
V/U
NIT
(R
s)
NAV Performance (Since Inception)
NAV Benchmark
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
February 25, 2009 ULIF 003 25/02/09 SUD-LI-GR1 142
Products : AUM : Rs. 81.83 Cr
NAV : 40.0509 Equity Mr. Jagdish BhanushaliDebt Mr. Ram Kamal Samanta / Mr. Lakshman Chettiar
Portfolio % to AUM
`
Equity (Top 10 Holdings or >1%) Minimum Maximum
HDFC Bank Ltd 6.16% 40% 100% 55.44 67.76%
Reliance Industries Ltd 5.41% 0% 60% 26.38 32.24%
ICICI Bank Ltd 4.44%
Larsen & Toubro Limited 4.13%
Infosys Ltd. 3.93%
ITC Ltd. 3.85%
Housing Development Finance Corporation Ltd. 3.31%
Kotak Mahindra Bank Limited 2.42%
Tata Consultancy Services Limited 2.36%
State Bank of India 2.33%
SBI-ETF NIFTY BANK 2.17%
Nippon India ETF Bank BeES 1.47%
Bharti Airtel Limited 1.39%
Axis Bank Limited 1.35%
Hindustan Unilever Limited 1.32%
HCL Technologies Ltd 1.23%
Mahindra & Mahindra Ltd. 1.16%
Hero Motocorp Ltd. 1.09%
Others (with < 1% exposure) 18.22%
Equity 67.76%
Debt 27.66%
Gilts & SDL 20.92%
Gilts & SDL (Top 10 Holdings)
7.63% GOI- 17-Jun-2059 6.19%
7.57% GOI- 17-Jun-2033 5.74%
6.18% GOI 04-Nov-2024 4.54%
07.32% GOI-28-Jan-2024 2.94%
7.06% GOI- 10-Oct-2046 0.99%
6.62% GOI- 28-Nov-2051 0.52%
Others 0.00%
Corporate Bonds 6.74%
Corporate Bonds (Top 10 Holdings)
STEEL AUTHORITY OF INDIA LTD. 2.52%
HDFC LTD. 2.46%
DEWAN HOUSING FINANCE CORP. LTD. 0.61%
RELIANCE INDUSTRIES LTD 0.49%
POWER GRID CORPORATION OF INDIA LTD 0.40%
SIKKA PORTS & TERMINALS LIMITED 0.26%
Others 0.00%
MM & Others 4.58%
Total 100.00%
`
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year 5 Year Since Inception
Growth Fund -0.33% 0.82% 6.28% 10.72% 5.69% 9.67% 6.56% 13.47%
Benchmark -0.96% 1.02% 6.42% 10.93% 5.74% 10.48% 7.11% 12.72%
Fund returns vis a vis Benchmark
Equity
Debt, MM & Others
Absolute CAGR (Annualised)
To aim for medium to long term capital appreciation by maintaining a diversified portfolio of equity and equity
related instruments and fair exposure to high credit quality portfolio of debt and money market instruments.
Investment PatternActual
Asset Mix
Particulars
For Dhan Suraksha, Dhan Suraksha Premium, Prabhat Tara
& Dhan Suraksha Express
Benchmark :
Nifty 50 Index - 70%
CRISIL Composite Bond Index - 30%
GROWTH FUND - JANUARY 2020
Name of Fund Manager:
AUM (Rs. In Cr)
22.56%
9.28%
7.01%
4.48%
4.45%
3.85%
2.94%
2.93%
2.93%
2.91%
7.52%
Financial & Insurance Activities
Computer programming, consultancy and relatedactivities
Manufacture of coke and refined petroleumproducts
Manufacture of Basic Metals
Civil engineering
Manufacture of tobacco products
Manufacture of chemicals and chemical products
Infrastructure
Manufacture of motor vehicles, trailers and semi-trailers
Manufacture of pharmaceuticals,medicinal chemicaland botanical products
Others
Top 10 Industry Exposure ( % to AUM)
< 1 year 1-3 years 3-5 years 5-10 years > 10 years
10.66% 10.04%
27.05%
3.67%
48.58%
Debt Maturity Profile ( % of Debt)
AAA13.05%
AA-9.11%
Gilts75.63%
D2.21%
Debt Rating Profile (% of Debt)
9.0011.0013.0015.0017.0019.0021.0023.0025.0027.0029.0031.0033.0035.0037.0039.0041.0043.00
Feb
-09
Jul-
09
No
v-0
9
Ap
r-1
0
Au
g-1
0
Jan
-11
May
-11
Oct
-11
Feb
-12
Jul-
12
No
v-1
2
Ap
r-1
3
Au
g-1
3
Jan
-14
May
-14
Oct
-14
Feb
-15
Jul-
15
No
v-1
5
Ap
r-1
6
Au
g-1
6
Jan
-17
May
-17
Oct
-17
Feb
-18
Jul-
18
No
v-1
8
Ap
r-1
9
Au
g-1
9
Jan
-20
NA
V/U
NIT
(R
s)
NAV Performance (Since Inception)
NAV Benchmark
Debt27.66%
Equity67.76%
MM & Others4.58%
Asset Allocation (% to AUM)
Modified Duration - 5.18 yr
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
January 20, 2010 ULIF 014 20/01/10 SUD-PA-GR1 142
Products : AUM : Rs. 29.87 Cr
NAV : 23.9607 Equity Mr. Jagdish Bhanushali
Debt Mr. Ram Kamal Samanta / Mr. Lakshman Chettiar
Portfolio % to AUM
`
Equity (Top 10 Holdings or >1%) Minimum Maximum
HDFC Bank Ltd 6.68% 55% 85% 20.34 68.10%
Reliance Industries Ltd 5.52% 15% 45% 9.53 31.90%
ICICI Bank Ltd 4.39%
Larsen & Toubro Limited 4.02%
ITC Ltd. 3.97%
Infosys Ltd. 3.70%
Housing Development Finance Corporation Ltd. 3.16%
Kotak Mahindra Bank Limited 2.47%
Tata Consultancy Services Limited 2.40%
State Bank of India 2.38%
SBI-ETF NIFTY BANK 2.26%
Nippon India ETF Bank BeES 1.43%
Bharti Airtel Limited 1.39%
Axis Bank Limited 1.39%
Hindustan Unilever Limited 1.28%
HCL Technologies Ltd 1.25%
Mahindra & Mahindra Ltd. 1.15%
Hero Motocorp Ltd. 1.11%
Others (with < 1% exposure) 18.14%
Equity 68.10%
Debt 26.50%
Gilts & SDL 13.78%
Gilts & SDL (Top 10 Holdings)
7.57% GOI- 17-Jun-2033 4.60%
7.63% GOI- 17-Jun-2059 2.59%
6.18% GOI 04-Nov-2024 2.52%
07.32% GOI-28-Jan-2024 1.52%
9.15% GOI - 14-Nov-2024 1.29%
7.06% GOI- 10-Oct-2046 0.80%
6.62% GOI- 28-Nov-2051 0.44%Others 0.00%
Corporate Bonds 12.72%
Corporate Bonds (Top 10 Holdings)
SIKKA PORTS & TERMINALS LIMITED 5.29%
LIC HOUSING FINANCE LTD 4.07%
STEEL AUTHORITY OF INDIA LTD. 3.36%Others 0.00%
MM & Others 5.40%
Total 100.00%
`
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year 5 Year Since Inception
Individual Pension Fund - Apex Growth -0.28% 0.80% 6.31% 11.58% 6.25% 10.45% 7.05% 9.10%
Benchmark -0.96% 1.02% 6.42% 10.93% 5.74% 10.48% 7.11% 8.74%
Fund returns vis a vis Benchmark
individual Pension FUND APEX Growth - JANUARY 2020
Equity
For New Dhruv Tara Products
Debt, MM & Others
Absolute
Name of Fund Manager:
CAGR (Annualised)
To seek consistent growth over medium to long term by focusing predominantly on well established
companies through investments primarily in equity and equity-related instruments and fair exposure
to high credit quality portfolio of debt and money market instruments.
Asset Mix
ParticularsInvestment Pattern
Actual
Benchmark :
Nifty 50 Index - 70%
CRISIL Composite Bond Index - 30%
AUM (Rs. In Cr)
22.29%
9.10%
7.56%
6.63%
5.32%
4.33%
4.07%
3.97%
2.94%
2.90%
8.01%
Financial & Insurance Activities
Computer programming, consultancy andrelated activities
Infrastructure
Manufacture of coke and refined petroleumproducts
Manufacture of Basic Metals
Civil engineering
Housing Sector
Manufacture of tobacco products
Manufacture of chemicals and chemicalproducts
Manufacture of motor vehicles, trailers andsemi-trailers
Others
Top 10 Industry Exposure ( % to AUM)
< 1 year 1-3 years 3-5 years > 10 years
28.04%
19.97% 20.15%
31.85%
Debt Maturity Profile ( % of Debt)
Debt26.50%
Equity68.10%
MM & Others5.40%
Asset Allocation (% to AUM)
AAA35.32% AA-
12.69%
Gilts51.99%
Debt Rating Profile (% of Debt)
9.00
10.50
12.00
13.50
15.00
16.50
18.00
19.50
21.00
22.50
24.00
Jan
-10
Jun
-10
No
v-1
0
Ap
r-1
1
Sep
-11
Feb
-12
Jul-
12
Dec
-12
May
-13
Oct
-13
Mar
-14
Au
g-1
4
Jan
-15
Jun
-15
No
v-1
5
Ap
r-1
6
Sep
-16
Feb
-17
Jul-
17
Dec
-17
May
-18
Oct
-18
Mar
-19
Au
g-1
9
Jan
-20
NA
V/U
NIT
(R
s)
NAV Performance (Since Inception)
NAV Benchmark
Modified Duration - 3.28 yrs
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
March 31, 2009 ULIF 006 31/03/09 SUD-PI-GR1 142
Products : AUM : Rs. 6.51 Cr
NAV : 31.9607 Equity Mr. Jagdish BhanushaliDebt Mr. Ram Kamal Samanta / Mr. Lakshman Chettiar
Portfolio % to AUM
`
Equity (Top 10 Holdings or >1%) Minimum Maximum
HDFC Bank Ltd 5.94% 40% 100% 4.29 66.01%
Reliance Industries Ltd 5.03% 0% 60% 2.21 33.99%
ICICI Bank Ltd 4.44%
Infosys Ltd. 3.41%
Larsen & Toubro Limited 3.32%
ITC Ltd. 3.30%
Housing Development Finance Corporation Ltd. 2.97%
Kotak Mahindra Bank Limited 2.45%
Tata Consultancy Services Limited 2.37%
State Bank of India 2.35%
SBI-ETF NIFTY BANK 2.18%
Hindustan Unilever Limited 1.62%
Axis Bank Limited 1.41%
Bharti Airtel Limited 1.40%
HCL Technologies Ltd 1.24%
Mahindra & Mahindra Ltd. 1.22%
Nippon India ETF Bank BeES 1.17%
Hero Motocorp Ltd. 1.09%
Bajaj Finance Ltd. 1.01%
Others (with < 1% exposure) 18.13%
Equity 66.01%
Debt 29.62%
Gilts & SDL 29.62%
Gilts & SDL (Top 10 Holdings)
07.32% GOI-28-Jan-2024 10.32%
7.57% GOI- 17-Jun-2033 4.30%
6.18% GOI 04-Nov-2024 4.11%
9.19% SDL - Kerala - 28-May-2024 3.84%
7.06% GOI- 10-Oct-2046 2.46%
6.62% GOI- 28-Nov-2051 2.33%
7.63% GOI- 17-Jun-2059 2.26%
Others 0.00%
Corporate Bonds 0.00%
Corporate Bonds (Top 10 Holdings)
Others 0.00%
MM & Others 4.37%
Total 100.00%
`
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year 5 Year Since Inception
Individual Pension Fund - Growth -0.13% 1.05% 6.23% 11.27% 5.79% 10.00% 6.33% 11.31%
Benchmark -0.96% 1.02% 6.42% 10.93% 5.74% 10.48% 7.11% 12.17%
Fund returns vis a vis Benchmark
Equity
Debt, MM & Others
Absolute CAGR (Annualised)
ParticularsInvestment Pattern
Actual
Name of Fund Manager:
AUM (Rs. In Cr)
To seek consistent growth over medium to long term by focusing predominantly on well established companies
through investments primarily in equity and equity-related instruments and fair exposure to high credit quality portfolio
of debt and money market instruments.
Asset Mix
For Dhruv Tara Products
Benchmark :
Nifty 50 Index - 70%
CRISIL Composite Bond Index - 30%
Individual pension FUND GROWTH - JANUARY 2020
21.83%
8.40%
6.24%
3.80%
3.36%
3.30%
3.24%
2.66%
2.39%
2.10%
5.34%
Financial & Insurance Activities
Computer programming, consultancy and relatedactivities
Manufacture of coke and refined petroleum products
Civil engineering
Manufacture of motor vehicles, trailers and semi-trailers
Manufacture of tobacco products
Manufacture of chemicals and chemical products
Manufacture of pharmaceuticals,medicinal chemicaland botanical products
Infrastructure
Manufacture of Basic Metals
Others
Top 10 Industry Exposure ( % to AUM)
3-5 years > 10 years
61.71%
38.29%
Debt Maturity Profile ( % of Debt)
Gilts100.00%
Debt Rating Profile (% of Debt)
10.00
12.00
14.00
16.00
18.00
20.00
22.00
24.00
26.00
28.00
30.00
32.00
34.00
36.00
Mar
-09
Jul-
09
No
v-0
9M
ar-1
0Ju
n-1
0O
ct-1
0Fe
b-1
1M
ay-1
1Se
p-1
1Ja
n-1
2M
ay-1
2A
ug-
12
Dec
-12
Ap
r-13
Jul-
13
No
v-1
3M
ar-1
4Ju
l-1
4O
ct-1
4Fe
b-1
5Ju
n-1
5Se
p-1
5Ja
n-1
6M
ay-1
6Se
p-1
6D
ec-1
6A
pr-
17
Au
g-1
7N
ov-
17
Mar
-18
Jul-
18
No
v-1
8Fe
b-1
9Ju
n-1
9O
ct-1
9Ja
n-2
0
NA
V/U
NIT
(R
s)
NAV Performance (Since Inception)
NAV Benchmark
Debt29.62%
Equity66.01%
MM & Others4.37%
Asset Allocation (% to AUM)
Modified Duration - 5.06 yrs
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
January 29, 2014 ULIF 023 11/12/13 SUD-LI-GR2 142
Products : AUM : Rs. 360.66 Cr
NAV : 18.2427 Equity Mr. Jagdish BhanushaliDebt Mr. Ram Kamal Samanta / Mr. Lakshman Chettiar
Portfolio % to AUM
`
Equity (Top 10 Holdings or >1%) Minimum Maximum
HDFC Bank Ltd 6.56% 40% 100% 239.81 66.49%
Reliance Industries Ltd 5.35% 0% 60% 105.31 29.20%
ICICI Bank Ltd 4.44% 0% 30% 15.54 4.31%
Infosys Ltd. 3.96%
Larsen & Toubro Limited 3.86%
ITC Ltd. 3.84%
Housing Development Finance Corporation Ltd. 3.20%
Kotak Mahindra Bank Limited 2.40%
Tata Consultancy Services Limited 2.33%
State Bank of India 2.31%
SBI-ETF NIFTY BANK 2.17%
Bharti Airtel Limited 1.38%
Nippon India ETF Bank BeES 1.37%
Axis Bank Limited 1.35%
HCL Technologies Ltd 1.22%
Hindustan Unilever Limited 1.21%
Hero Motocorp Ltd. 1.08%
Mahindra & Mahindra Ltd. 1.05%
Others (with < 1% exposure) 17.40%Equity 66.49%
Debt 29.20%
Gilts & SDL 22.21%
Gilts & SDL (Top 10 Holdings)
7.63% GOI- 17-Jun-2059 6.33%
6.18% GOI 04-Nov-2024 4.78%
6.45% GOI- 07-Oct-2029 2.74%
7.57% GOI- 17-Jun-2033 2.55%
07.32% GOI-28-Jan-2024 2.54%
7.06% GOI- 10-Oct-2046 1.32%
6.62% GOI- 28-Nov-2051 0.69%
7.35% GOI - 22-Jun-2024 0.57%
7.80% GOI - 11-Apr-2021 0.57%
9.65% SDL - Tamil Nadu - 12-Mar-2024 0.08%
Others 0.03%
Corporate Bonds 6.99%
Corporate Bonds (Top 10 Holdings)
SIKKA PORTS & TERMINALS LIMITED 2.25%
HDFC LTD. 1.57%
POWER GRID CORPORATION OF INDIA LTD 0.97%
LIC HOUSING FINANCE LTD 0.79%
DEWAN HOUSING FINANCE CORP. LTD. 0.57%
SUNDARAM FINANCE LTD. 0.45%
L&T HOUSING FINANCE LIMITED 0.15%
LARSEN & TOUBRO LTD. 0.08%
IL & FS LTD. 0.07%
STEEL AUTHORITY OF INDIA LTD. 0.06%
Others 0.03%
MM & Others 4.31%
Total 100.00%
`
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year 5 Year Since Inception
Growth Plus Fund -0.38% 0.67% 5.78% 9.75% 5.33% 9.10% 6.39% 10.52%
Benchmark -0.96% 1.02% 6.42% 10.93% 5.74% 10.48% 7.11% 11.29%
Fund returns vis a vis Benchmark
MM & Others
Equity
Debt
Absolute
Nifty 50 Index - 70%
CRISIL Composite Bond Index - 30%
For Dhan Suraksha Plus & Wealth Builder Plan
Asset Mix
ParticularsInvestment Pattern
Actual
Name of Fund Manager:
AUM (Rs. In Cr)
To aim for medium to long term capital appreciation by maintaining a diversified portfolio of equity and equity
related instruments and fair exposure to high credit quality portfolio of debt and money market instruments.
GROWTH plus FUND - JANUARY 2020
Benchmark :
CAGR (Annualised)
23.06%
9.18%
6.42%
5.49%
4.23%
3.84%
2.82%
2.79%
2.70%
2.51%
6.90%
Financial & Insurance Activities
Computer programming, consultancy and relatedactivities
Manufacture of coke and refined petroleum products
Infrastructure
Civil engineering
Manufacture of tobacco products
Manufacture of chemicals and chemical products
Manufacture of pharmaceuticals,medicinal chemicaland botanical products
Manufacture of motor vehicles, trailers and semi-trailers
Housing Sector
Others
Top 10 Industry Exposure ( % to AUM)
< 1 year 1-3 years 3-5 years 5-10 years > 10 years
4.61%
13.92%
31.45%
12.70%
37.33%
Debt Maturity Profile ( % of Debt) Modified Duration - 5.28 yrs
AAA21.45%
AA+0.10%
AA-0.19%
Gilts76.05%
D2.20%
Debt Rating Profile (% of Debt)
9.5010.0010.5011.0011.5012.0012.5013.0013.5014.0014.5015.0015.5016.0016.5017.0017.5018.0018.5019.0019.5020.00
Jan
-14
Ap
r-1
4
Jun
-14
Au
g-1
4
No
v-1
4
Jan
-15
Mar
-15
Jun
-15
Au
g-1
5
Oct
-15
Dec
-15
Mar
-16
May
-16
Jul-
16
Oct
-16
Dec
-16
Feb
-17
May
-17
Jul-
17
Sep
-17
No
v-1
7
Feb
-18
Ap
r-1
8
Jun
-18
Sep
-18
No
v-1
8
Jan
-19
Ap
r-1
9
Jun
-19
Au
g-1
9
Oct
-19
Jan
-20
NA
V/U
NIT
(R
s)
NAV Performance (Since Inception)
NAV Benchmark
Debt29.20%
Equity66.49%
MM & Others4.31%
Asset Allocation (% to AUM)
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
January 20, 2010 ULIF 011 20/01/10 SUD-LA-BL1 142
Products : AUM : Rs. 219.97 Cr
NAV : 23.4960 Equity Mr. Sumit Poddar
Debt Mr. Ram Kamal Samanta / Mr. Lakshman Chettiar
Portfolio % to AUM
`
Equity (Top 10 Holdings or >1%) Minimum Maximum
HDFC Bank Ltd 5.39% 35% 65% 104.66 47.58%
Reliance Industries Ltd 3.80% 35% 65% 115.31 52.42%
ICICI Bank Ltd 3.72%
Larsen & Toubro Limited 2.88%
Infosys Ltd. 2.82%
ITC Ltd. 2.65%
Housing Development Finance Corporation Ltd. 2.31%
Kotak Mahindra Bank Limited 2.21%
State Bank of India 1.74%
Tata Consultancy Services Limited 1.68%
Axis Bank Limited 1.22%
Hindustan Unilever Limited 1.01%
Others (with < 1% exposure) 16.13%
Equity 47.58%
Debt 47.17%Gilts & SDL 26.00%
Gilts & SDL (Top 10 Holdings)
7.63% GOI- 17-Jun-2059 9.00%
6.18% GOI 04-Nov-2024 5.31%
7.57% GOI- 17-Jun-2033 3.84%
8.83% GOI 25 Nov 2023 1.72%
7.06% GOI- 10-Oct-2046 1.32%
07.32% GOI-28-Jan-2024 1.26%
7.62% GOI- 15-Sep-2039 0.90%
7.69% GOI- 17-Jun-2043 0.88%
6.45% GOI- 07-Oct-2029 0.67%
9.65% SDL - Tamil Nadu - 12-Mar-2024 0.50%
Others 0.60%
Corporate Bonds 21.17%
Corporate Bonds (Top 10 Holdings)
HDFC LTD. 5.70%
POWER GRID CORPORATION OF INDIA LTD 3.40%
SIKKA PORTS & TERMINALS LIMITED 3.35%
SUNDARAM FINANCE LTD. 2.23%
M & M FINANCIAL SERVICES LTD. 1.33%
LARSEN & TOUBRO LTD. 1.01%
LIC HOUSING FINANCE LTD 0.93%
L & T FINANCE LTD. 0.87%
MRF LTD. 0.71%
DEWAN HOUSING FINANCE CORP. LTD. 0.57%
Others 1.08%
MM & Others 5.25%
Total 100.00%
`
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year 5 Year Since Inception
Apex Balanced Fund 0.04% 1.03% 5.15% 9.57% 5.54% 8.59% 7.13% 8.88%
Benchmark -0.47% 1.21% 5.59% 11.15% 6.71% 9.53% 7.55% 8.71%
Fund returns vis a vis Benchmark
APEX BALANCED FUND - JANUARY 2020
Equity
Debt, MM & Others
To optimize returns over medium to long term, by aiming balance between risk and return, through
investments in high quality equity and debt instruments.
For New Dhan Suraksha, New Dhan Suraksha
Premium, New Prabhat Tara, Dhan Suraksha 3, Dhan
Suraksha Premium 3 & Prabhat Tara 3.
Benchmark :
Nifty 50 Index - 50%
CRISIL Composite Bond Index - 50%
Absolute
Name of Fund Manager:
CAGR (Annualised)
Investment PatternActual
Asset Mix
Particulars AUM (Rs. In Cr)
23.13%
8.91%
6.63%
6.61%
4.76%
4.10%
2.65%
2.18%
2.04%
2.04%
5.70%
Financial & Insurance Activities
Infrastructure
Housing Sector
Computer programming, consultancy andrelated activities
Manufacture of coke and refined petroleumproducts
Civil engineering
Manufacture of tobacco products
Manufacture of chemicals and chemicalproducts
Manufacture of pharmaceuticals,medicinalchemical and botanical products
Manufacture of motor vehicles, trailers andsemi-trailers
Others
Top 10 Industry Exposure ( % to AUM)
< 1 year 1-3 years 3-5 years 5-10 years > 10 years
11.85%
17.26%
29.85%
7.25%
33.80%
Debt Maturity Profile ( % of Debt)
Debt47.17%
Equity47.58%
MM & Others5.25%
Asset Allocation( % to AUM)
9.00
11.00
13.00
15.00
17.00
19.00
21.00
23.00
25.00
Jan
-10
May
-10
Sep
-10
Jan
-11
May
-11
Sep
-11
Jan
-12
May
-12
Sep
-12
Jan
-13
May
-13
Sep
-13
Jan
-14
May
-14
Sep
-14
Jan
-15
May
-15
Sep
-15
Jan
-16
May
-16
Sep
-16
Jan
-17
May
-17
Sep
-17
Jan
-18
May
-18
Sep
-18
Jan
-19
May
-19
Sep
-19
Jan
-20
NA
V/U
NIT
(R
s)
NAV Performance (Since Inception)
NAV Benchmark
Modified Duration - 5.09 yrs
AAA39.11%
AA+2.82%AA-
0.58%
Gilts55.12%
D2.38%
Debt Rating Profile (% of Debt)
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
February 18, 2009 ULIF 001 18/02/09 SUD-LI-BL1 142
Products : AUM : Rs. 10.09 Cr
NAV : 26.6579 Equity Mr. Sumit PoddarDebt Mr. Ram Kamal Samanta / Mr. Lakshman Chettiar
Portfolio % to AUM
`
Equity (Top 10 Holdings or >1%) Minimum Maximum
HDFC Bank Ltd 2.65% 0% 60% 2.85 28.21%
Reliance Industries Ltd 2.25% 40% 100% 7.24 71.79%
ICICI Bank Ltd 2.23%
Infosys Ltd. 1.67%
ITC Ltd. 1.58%
Larsen & Toubro Limited 1.46%
Kotak Mahindra Bank Limited 1.31%
Housing Development Finance Corporation Ltd. 1.23%
State Bank of India 1.03%
Tata Consultancy Services Limited 1.00%
Others (with < 1% exposure) 11.81%Equity 28.21%
Debt 63.90%
Gilts & SDL 48.38%
Gilts & SDL (Top 10 Holdings)
9.19% SDL - Kerala - 28-May-2024 12.39%
7.57% GOI- 17-Jun-2033 8.49%
6.18% GOI 04-Nov-2024 8.35%
07.32% GOI-28-Jan-2024 7.07%
9.63% Maharashtra - 12-Feb-2024 5.45%
7.63% GOI- 17-Jun-2059 3.49%
7.06% GOI- 10-Oct-2046 1.88%
7.69% GOI- 17-Jun-2043 1.27%
Others 0.00%
Corporate Bonds 15.52%
Corporate Bonds (Top 10 Holdings)
STEEL AUTHORITY OF INDIA LTD. 4.98%
HDFC LTD. 3.66%
SIKKA PORTS & TERMINALS LIMITED 3.13%
STATE BANK OF INDIA 1.55%
IL & FS LTD. 1.34%
DEWAN HOUSING FINANCE CORP. LTD. 0.86%
Others 0.00%
MM & Others 7.89%
Total 100.00%
`
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year 5 Year Since Inception
Balanced Fund 0.20% 0.63% 2.49% 6.83% 5.26% 6.45% 5.86% 9.36%
Benchmark 0.01% 1.39% 4.72% 11.29% 7.62% 8.53% 7.92% 10.11%
Fund returns vis a vis Benchmark
BALANCED FUND - JANUARY 2020
Equity
Debt, MM & Others
Absolute
Name of Fund Manager:
CAGR (Annualised)
To aim for stable returns over medium to long term through investments in high quality fixed income and
money market instruments and enhance returns through a fair exposure to equity investments.
Investment PatternActual
Asset Mix
Particulars
For Dhan Suraksha, Dhan Suraksha Premium, Prabhat
Tara.
Benchmark :
Nifty 50 Index - 30%
CRISIL Composite Bond Index - 70%
AUM (Rs. In Cr)
12.59%
5.86%
5.53%
4.06%
3.66%
2.75%
1.63%
1.58%
1.39%
1.31%
3.38%
Financial & Insurance Activities
Manufacture of Basic Metals
Infrastructure
Computer programming, consultancy and relatedactivities
Housing Sector
Manufacture of coke and refined petroleumproducts
Civil engineering
Manufacture of tobacco products
Manufacture of chemicals and chemical products
Manufacture of motor vehicles, trailers and semi-trailers
Others
Top 10 Industry Exposure ( % to AUM)
< 1 year 1-3 years 3-5 years 5-10 years > 10 years
7.79% 7.00%
59.11%
2.43%
23.68%
Debt Maturity Profile (% of Debt)
Debt63.90%
Equity28.21%
MM & Others7.89%
Asset Allocation( % to AUM)
AAA13.07%
AA-7.79%
Gilts75.71%
D3.43%
Debt Rating Profile (% of Debt)
9.5010.5011.5012.5013.5014.5015.5016.5017.5018.5019.5020.5021.5022.5023.5024.5025.5026.5027.5028.5029.50
Feb
-09
Jul-
09
No
v-0
9
Ap
r-1
0
Au
g-1
0
Jan
-11
May
-11
Oct
-11
Feb
-12
Jul-
12
No
v-12
Ap
r-1
3
Au
g-1
3
Jan
-14
May
-14
Oct
-14
Feb
-15
Jul-
15
No
v-1
5
Ap
r-1
6
Au
g-1
6
Jan
-17
May
-17
Oct
-17
Feb
-18
Jul-
18
No
v-1
8
Ap
r-1
9
Au
g-1
9
Jan
-20
NA
V/U
NIT
(R
s)
NAV Performance (Since Inception)NAV Benchmark
Modified Duration - 4.20 yrs
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
January 20, 2010 ULIF 015 20/01/10 SUD-PA-BL1 142
Products : AUM : Rs. 12.52 Cr
NAV : 22.8235 Equity Mr. Sumit PoddarDebt Mr. Ram Kamal Samanta / Mr. Lakshman Chettiar
Portfolio % to AUM
Equity (Top 10 Holdings or >1%) Minimum Maximum
HDFC Bank Ltd 5.56% 35% 65% 6.14 49.00%
Reliance Industries Ltd 3.95% 35% 65% 6.39 51.00%
ICICI Bank Ltd 3.74%
Larsen & Toubro Limited 2.96%
Infosys Ltd. 2.92%
ITC Ltd. 2.74%
Housing Development Finance Corporation Ltd. 2.40%
Kotak Mahindra Bank Limited 2.30%
State Bank of India 1.81%
Tata Consultancy Services Limited 1.74%
Axis Bank Limited 1.27%
Hindustan Unilever Limited 1.04%
Bharti Airtel Limited 1.00%
Others (with < 1% exposure) 15.56%Equity 49.00%
Debt 43.16%
Gilts & SDL 25.50%
Gilts & SDL (Top 10 Holdings)
7.57% GOI- 17-Jun-2033 8.61%
6.18% GOI 04-Nov-2024 6.96%
7.63% GOI- 17-Jun-2059 5.22%
07.32% GOI-28-Jan-2024 4.29%
7.06% GOI- 10-Oct-2046 0.24%
7.69% GOI- 17-Jun-2043 0.17%
Others 0.00%
Corporate Bonds 17.66%
Corporate Bonds (Top 10 Holdings)
LIC HOUSING FINANCE LTD 5.72%
HDFC LTD. 4.01%
STEEL AUTHORITY OF INDIA LTD. 4.01%
L & T FINANCE LTD. 2.43%
RELIANCE INDUSTRIES LTD 0.80%
DEWAN HOUSING FINANCE CORP. LTD. 0.69%Others 0.00%
MM & Others 7.85%
Total 100.00%
`
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year 5 Year Since Inception
Individual Pension Fund - Apex Balanced 0.01% 0.96% 4.30% 8.73% 5.65% 8.32% 6.77% 8.57%
Benchmark -0.47% 1.21% 5.59% 11.15% 6.71% 9.53% 7.55% 8.71%
Fund returns vis a vis Benchmark
individual Pension FUND APEX balanced - JANUARY 2020
Equity
For New Dhruv Tara Products
Debt, MM & Others
Absolute
Name of Fund Manager:
CAGR (Annualised)
To optimize returns over medium to long term, by aiming balance between risk and return, through
investments in high quality equity and debt instruments.
Asset Mix
ParticularsInvestment Pattern
Actual
Benchmark :
Nifty 50 Index - 50%
CRISIL Composite Bond Index - 50%
AUM (Rs. In Cr)
21.67%
9.74%
6.84%
5.56%
5.43%
3.18%
2.74%
2.24%
2.10%
2.08%
5.07%
Financial & Insurance Activities
Housing Sector
Computer programming, consultancy andrelated activities
Manufacture of coke and refined petroleumproducts
Manufacture of Basic Metals
Civil engineering
Manufacture of tobacco products
Manufacture of chemicals and chemicalproducts
Manufacture of pharmaceuticals,medicinalchemical and botanical products
Manufacture of motor vehicles, trailers andsemi-trailers
Others
Top 10 Industry Exposure ( % to AUM)
< 1 year 3-5 years > 10 years
37.31%
29.69%33.00%
Debt Maturity Profile ( % of Debt)
AAA30.04%
AA-9.29%
Gilts59.07%
D 1.60% Debt Rating Profile (% of Debt)
9.50
11.50
13.50
15.50
17.50
19.50
21.50
23.50
Jan
-10
May
-10
Sep
-10
Jan
-11
May
-11
Sep
-11
Jan
-12
May
-12
Sep
-12
Jan
-13
May
-13
Sep
-13
Jan
-14
May
-14
Sep
-14
Jan
-15
May
-15
Sep
-15
Jan
-16
May
-16
Sep
-16
Jan
-17
May
-17
Sep
-17
Jan
-18
May
-18
Sep
-18
Jan
-19
May
-19
Sep
-19
Jan
-20
NA
V/U
NIT
(R
s)
NAV Performance (Since Inception)
NAV Benchmark
Debt43.16%
Equity49.00%
MM & Others7.85%
Asset Allocation (% to AUM)
Modified Duration - 3.84 yrs
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
March 31, 2009 ULIF 007 31/03/09 SUD-PI-BL1 142
Products : AUM : Rs. 3.91 Cr
NAV : 25.8044 Equity Mr. Sumit PoddarDebt Mr. Ram Kamal Samanta / Mr. Lakshman Chettiar
Portfolio % to AUM
`
Equity (Top 10 Holdings or >1%) Minimum Maximum
HDFC Bank Ltd 2.73% 0% 60% 1.12 28.60%
Reliance Industries Ltd 2.30% 40% 100% 2.79 71.40%
ICICI Bank Ltd 2.28%
Infosys Ltd. 1.71%
ITC Ltd. 1.62%
Kotak Mahindra Bank Limited 1.36%
Housing Development Finance Corporation Ltd. 1.32%
Larsen & Toubro Limited 1.30%
State Bank of India 1.06%
Tata Consultancy Services Limited 1.03%
Others (with < 1% exposure) 11.88%
Equity 28.60%
Debt 66.21%
Gilts & SDL 63.36%
Gilts & SDL (Top 10 Holdings)
08.57% Gujarat 06-November-2028 23.62%
7.57% GOI- 17-Jun-2033 15.27%
07.32% GOI-28-Jan-2024 12.69%
6.18% GOI 04-Nov-2024 7.10%
9.63% Maharashtra - 12-Feb-2024 3.37%
7.06% GOI- 10-Oct-2046 0.77%
7.69% GOI- 17-Jun-2043 0.55%Others 0.00%
Corporate Bonds 2.86%
Corporate Bonds (Top 10 Holdings)
DEWAN HOUSING FINANCE CORP. LTD. 1.47%
IL & FS LTD. 1.38%
Others 0.00%
MM & Others 5.19%
Total 100.00%
`
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year 5 Year Since Inception
Individual Pension Fund - Balanced 0.08% 0.43% 1.94% 5.84% 4.67% 6.21% 5.97% 9.14%
Benchmark 0.01% 1.39% 4.72% 11.29% 7.62% 8.53% 7.92% 9.95%
Fund returns vis a vis Benchmark
individual pension FUND BALANCED - JANUARY 2020
Equity
For Dhruv Tara Products
Debt, MM & Others
Absolute
Name of Fund Manager:
CAGR (Annualised)
To aim for stable returns over medium to long term through investments in high quality fixed income and
money market instruments and enhance returns through a fair exposure to equity investments.
Asset Mix
ParticularsInvestment Pattern
Actual
Benchmark :
Nifty 50 Index - 30%
CRISIL Composite Bond Index - 70%
AUM (Rs. In Cr)
12.06%
4.04%
2.81%
2.50%
1.62%
1.49%
1.42%
1.38%
1.16%
0.91%
2.07%
Financial & Insurance Activities
Computer programming, consultancy and relatedactivities
Manufacture of coke and refined petroleumproducts
Infrastructure
Manufacture of tobacco products
Civil engineering
Manufacture of chemicals and chemical products
Manufacture of motor vehicles, trailers and semi-trailers
Manufacture of pharmaceuticals,medicinalchemical and botanical products
Manufacture of Basic Metals
Others
Top 10 Industry Exposure ( % to AUM)
1-3 years 3-5 years 5-10 years > 10 years
2.09%
37.20% 35.67%
25.04%
Debt Maturity Profile ( % of Debt) Modified Duration - 5.09 yrs
Gilts95.69%
D 4.31%Debt Rating Profile (% of Debt)
10.0011.0012.0013.0014.0015.0016.0017.0018.0019.0020.0021.0022.0023.0024.0025.0026.0027.0028.0029.0030.00
Mar
-09
Au
g-0
9
Jan
-10
May
-10
Oct
-10
Mar
-11
Jul-
11
De
c-1
1
May
-12
Sep
-12
Feb
-13
Jun
-13
No
v-1
3
Ap
r-1
4
Au
g-1
4
Jan
-15
Jun
-15
Oct
-15
Mar
-16
Jul-
16
De
c-1
6
May
-17
Sep
-17
Feb
-18
Jul-
18
No
v-1
8
Ap
r-1
9
Sep
-19
Jan
-20
NA
V/U
NIT
(R
s)
NAV Performance (Since Inception)
NAV Benchmark
Debt66.21%
Equity28.60%
MM & Others5.19%
Asset Allocation (% to AUM)
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No. Benchmark :
April 29, 2011 ULIF 017 29/04/11 SUD-LX-BL1 142 Nifty 50 Index - 30%
CRISIL Composite Bond Index - 70%
Products : AUM : Rs. 43.77 Cr
For Dhan Suraksha Express NAV : 20.0605 Equity Mr. Sumit Poddar
Debt Mr. Ram Kamal Samanta / Mr. Lakshman Chettiar
Portfolio % to AUM
`
Equity (Top 10 Holdings or >1%) Minimum Maximum
HDFC Bank Ltd 3.17% 0% 60% 12.31 28.13%
Reliance Industries Ltd 2.26% 40% 100% 31.45 71.87%
ICICI Bank Ltd 2.23%
Infosys Ltd. 1.67%
Larsen & Toubro Limited 1.67%
ITC Ltd. 1.58%
Housing Development Finance Corporation Ltd. 1.36%
Kotak Mahindra Bank Limited 1.31%
State Bank of India 1.03%
Tata Consultancy Services Limited 1.00%
Others (with < 1% exposure) 10.84%
Equity 28.13%
Debt 67.13%
Gilts & SDL 46.54%
Gilts & SDL (Top 10 Holdings)
7.57% GOI- 17-Jun-2033 14.60%
07.32% GOI-28-Jan-2024 12.92%
6.18% GOI 04-Nov-2024 7.83%
7.63% GOI- 17-Jun-2059 4.35%
9.15% GOI - 14-Nov-2024 3.16%
9.63% Maharashtra - 12-Feb-2024 1.26%
7.06% GOI- 10-Oct-2046 0.96%
7.69% GOI- 17-Jun-2043 0.63%
9.65% SDL - Tamil Nadu - 12-Mar-2024 0.50%
7.62% GOI- 15-Sep-2039 0.27%
Others 0.07%
Corporate Bonds 20.58%
Corporate Bonds (Top 10 Holdings)
SIKKA PORTS & TERMINALS LIMITED 7.95%
HDFC LTD. 5.83%
POWER GRID CORPORATION OF INDIA LTD 2.01%
MRF LTD. 1.19%
STEEL AUTHORITY OF INDIA LTD. 1.15%
LARSEN & TOUBRO LTD. 0.92%
LIC HOUSING FINANCE LTD 0.71%
IL & FS LTD. 0.49%
DEWAN HOUSING FINANCE CORP. LTD. 0.33%
Others 0.00%
MM & Others 4.74%
Total 100.00%
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year 5 Year Since Inception
Express Balanced Fund 0.20% 0.64% 2.59% 7.33% 5.20% 6.64% 6.29% 8.27%
Benchmark 0.01% 1.39% 4.72% 11.29% 7.62% 8.53% 7.92% 8.92%
Fund returns vis a vis Benchmark
Express BALANCED FUND - JANUARY 2020
Equity
Debt, MM & Others
Absolute
Name of Fund Manager:
CAGR (Annualised)
To optimize returns over medium to long term, by aiming balance between risk and return, through investments
in high quality equity and debt instruments.
Asset Mix
ParticularsInvestment Pattern
ActualAUM (Rs. In Cr)
11.40%
11.02%
6.54%
3.92%
2.72%
2.72%
1.97%
1.58%
1.28%
1.20%
4.36%
Infrastructure
Financial & Insurance Activities
Housing Sector
Computer programming, consultancy and relatedactivities
Civil engineering
Manufacture of coke and refined petroleumproducts
Manufacture of Basic Metals
Manufacture of tobacco products
Manufacture of chemicals and chemical products
Manufacture of pharmaceuticals,medicinalchemical and botanical products
Others
Top 10 Industry Exposure ( % to AUM)
< 1 year 1-3 years 3-5 years 5-10 years > 10 years
9.96%
15.41%
40.53%
2.99%
31.11%
Debt Maturity Profile ( % of Debt)
AAA27.73%
AA-1.71%
Gilts69.34%
D1.23%
Debt Rating Profile (% of Debt)
9.50
11.50
13.50
15.50
17.50
19.50
21.50
Ap
r-1
1
Sep
-11
Jan
-12
Jun
-12
No
v-1
2
Mar
-13
Au
g-1
3
Dec
-13
May
-14
Sep
-14
Feb
-15
Jun
-15
No
v-1
5
Mar
-16
Au
g-1
6
Dec
-16
May
-17
Sep
-17
Feb
-18
Jul-
18
No
v-1
8
Ap
r-1
9
Au
g-1
9
Jan
-20
NA
V/U
NIT
(R
s)
NAV Performance (Since Inception)
NAV Benchmark
Debt67.13%
Equity28.13%
MM & Others4.74%
Asset Allocation( % to AUM)
Modified Duration - 4.55 yrs
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No. Benchmark :
January 29, 2014 ULIF 024 11/12/13 SUD-LI-BL2 142 Nifty 50 Index - 30%
CRISIL Composite Bond Index - 70%
Products : AUM : Rs. 266.45 Cr
For Dhan Suraksha Plus & Wealth Builder Plan NAV : 17.0719 Equity Mr. Sumit Poddar
Debt Mr. Ram Kamal Samanta / Mr. Lakshman Chettiar
Portfolio % to AUM
`
Equity (Top 10 Holdings or >1%) Minimum Maximum
HDFC Bank Ltd 3.24% 0% 60% 74.41 27.92%
ICICI Bank Ltd 2.41% 40% 100% 177.53 66.63%
Reliance Industries Ltd 2.23% 0% 30% 14.52 5.45%
Larsen & Toubro Limited 1.71%
Infosys Ltd. 1.68%
ITC Ltd. 1.58%
Housing Development Finance Corporation Ltd. 1.39%
State Bank of India 1.03%
Tata Consultancy Services Limited 1.00%
Kotak Mahindra Bank Limited 0.78%
Others (with < 1% exposure) 10.88%
Equity 27.92%
Debt 66.63%
Gilts & SDL 38.85%
Gilts & SDL (Top 10 Holdings)
6.18% GOI 04-Nov-2024 7.70%
7.62% GOI- 15-Sep-2039 7.39%
7.63% GOI- 17-Jun-2059 6.67%
7.57% GOI- 17-Jun-2033 6.37%
07.32% GOI-28-Jan-2024 4.11%
7.06% GOI- 10-Oct-2046 1.66%
7.69% GOI- 17-Jun-2043 1.10%
6.45% GOI- 07-Oct-2029 0.92%
7.35% GOI - 22-Jun-2024 0.78%
9.65% SDL - Tamil Nadu - 12-Mar-2024 0.62%
Others 1.53%
Corporate Bonds 27.78%
Corporate Bonds (Top 10 Holdings)
HDFC LTD. 6.95%
LIC HOUSING FINANCE LTD 4.94%
M & M FINANCIAL SERVICES LTD. 2.92%
STEEL AUTHORITY OF INDIA LTD. 2.62%
LARSEN & TOUBRO LTD. 1.62%
BAJAJ FINANCE LTD. 1.60%
SUNDARAM FINANCE LTD. 1.43%
SIKKA PORTS & TERMINALS LIMITED 1.11%
MRF LTD. 0.94%
POWER GRID CORPORATION OF INDIA LTD 0.93%
Others 2.71%
MM & Others 5.45%
Total 100.00%
`
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year 5 Year Since Inception
Balanced Plus Fund 0.20% 1.05% 3.46% 8.48% 6.37% 6.87% 6.49% 9.31%
Benchmark 0.01% 1.39% 4.72% 11.29% 7.62% 8.53% 7.92% 10.35%
Fund returns vis a vis Benchmark
BALANCEd PLUS FUND - JANUARY 2020
MM & Others
Equity
Debt
Absolute
Name of Fund Manager:
CAGR (Annualised)
To optimize returns over medium to long term, by aiming balance between risk and return, through investments
in high quality equity and debt instruments.
Asset Mix
ParticularsInvestment Pattern
ActualAUM (Rs. In Cr)
17.63%
12.28%
3.93%
3.55%
3.46%
3.44%
3.22%
1.58%
1.28%
1.21%
4.11%
Financial & Insurance Activities
Housing Sector
Computer programming, consultancy and relatedactivities
Infrastructure
Civil engineering
Manufacture of Basic Metals
Manufacture of coke and refined petroleumproducts
Manufacture of tobacco products
Manufacture of chemicals and chemical products
Manufacture of pharmaceuticals,medicinalchemical and botanical products
Others
Top 10 Industry Exposure ( % to AUM)
< 1 year 1-3 years 3-5 years 5-10 years > 10 years
14.86% 13.95%
31.98%
4.30%
34.91%
Debt Maturity Profile ( % of Debt)
AAA33.49%
AA+3.17%
AA-3.93%
Gilts58.31%
D1.09%
Debt Rating Profile (% of Debt)
9.90
10.40
10.90
11.40
11.90
12.40
12.90
13.40
13.90
14.40
14.90
15.40
15.90
16.40
16.90
17.40
17.90
18.40
18.90
Jan
-14
Jun
-14
Oct
-14
Mar
-15
Jul-
15
Dec
-15
Ap
r-1
6
Sep
-16
Jan
-17
Jun
-17
Oct
-17
Mar
-18
Jul-
18
Dec
-18
Ap
r-1
9
Au
g-1
9
Jan
-20
NA
V/U
NIT
(R
s)
NAV Performance (Since Inception)
NAV Benchmark
Debt66.63%
Equity27.92%
MM & Others5.45%
Asset Allocation( % to AUM)
Modified Duration - 4.97 yrs
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
January 20, 2010 ULIF 012 20/01/10 SUD-LA-BN1 142
Products : AUM : Rs. 82.78 Cr
NAV :21.1835
Portfolio % to AUM
`
Debt 93.32% Minimum Maximum
Gilts & SDL (Top 10 Holdings or >1%) 80% 100% 77.25 93.32%
7.63% GOI- 17-Jun-2059 26.04% 0% 20% 5.53 6.68%
7.62% GOI- 15-Sep-2039 6.63%
6.45% GOI- 07-Oct-2029 3.58%
7.06% GOI- 10-Oct-2046 3.17%
6.18% GOI 04-Nov-2024 2.57%
7.57% GOI- 17-Jun-2033 1.52%
9.15% GOI - 14-Nov-2024 0.27%
Others (with < 1% exposure) 0.00%
Gilts & SDL 43.79%
Corporate Bonds 49.52%
Corporate Bonds (Top 10 Holdings or >1%)
HDFC LTD. 8.67%
M & M FINANCIAL SERVICES LTD. 8.48%
L&T HOUSING FINANCE LIMITED 8.30%
POWER GRID CORPORATION OF INDIA LTD 7.05%
LIC HOUSING FINANCE LTD 7.00%
L & T FINANCE LTD. 4.27%
BAJAJ FINANCE LTD. 3.22%
DEWAN HOUSING FINANCE CORP. LTD. 1.51%
SIKKA PORTS & TERMINALS LIMITED 0.89%
STEEL AUTHORITY OF INDIA LTD. 0.12%
Others (with < 1% exposure) 0.00%
MM & Others 6.68%
Total 100.00%
`
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year 5 Year Since Inception
Apex Bond Fund 0.81% 1.49% 2.37% 7.79% 7.17% 5.83% 7.24% 7.77%
Benchmark 0.71% 1.62% 3.30% 10.86% 8.68% 6.93% 8.23% 8.14%
Fund returns vis a vis Benchmark
APEX BOND FUND - JANUARY 2020
DEBT
MM & Others
Particulars
Absolute
Name of Fund Manager:
Mr. Ram Kamal Samanta / Mr. Lakshman Chettiar
CAGR (Annualised)
To aim for stable returns over medium to long term by judicious mix of investments in Government securities
and high quality corporate debt of varying maturities and also in money market instruments.
Investment PatternActual
Asset Mix
For New Dhan Suraksha, New Dhan Suraksha Premium,
New Prabhat Tara, Dhan Suraksha 3, Dhan Suraksha
Premium 3 & Prabhat Tara 3.
Benchmark :
CRISIL Composite Bond Index - 90%
CRISIL Liquid Fund Index - 10%
AUM (Rs. In Cr)
23.98%
17.48%
7.94%
0.12%
0.00%
Housing Sector
Financial & Insurance Activities
Infrastructure
Manufacture of Basic Metals
Others
Top 10 Industry Exposure ( % to AUM)
< 1 year 1-3 years 3-5 years 5-10 years > 10 years
14.81%
11.86%
20.27%
13.02%
40.04%
Debt Maturity Profile ( % of Debt) Modified Duration - 6.19 yrs
Debt93.32%
MM & Others6.68%
Asset Allocation (% to AUM)
AAA42.23%
AA+9.09%
AA-0.13%
Gilts46.93%
D1.62% Debt Rating Profile (% of Debt)
9.50
10.50
11.50
12.50
13.50
14.50
15.50
16.50
17.50
18.50
19.50
20.50
21.50
22.50
Jan
-10
May
-10
Sep
-10
Jan
-11
May
-11
Sep
-11
Dec
-11
Ap
r-1
2
Au
g-1
2
Dec
-12
Ap
r-1
3
Au
g-1
3
Dec
-13
Ap
r-1
4
Jul-
14
No
v-1
4
Mar
-15
Jul-
15
No
v-1
5
Mar
-16
Jul-
16
No
v-1
6
Feb
-17
Jun
-17
Oct
-17
Feb
-18
Jun
-18
Oct
-18
Feb
-19
Jun
-19
Sep
-19
Jan
-20
NA
V/U
NIT
(R
s)
NAV Performance (Since Inception)
NAV Benchmark
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No. Benchmark :
February 25, 2009 ULIF 004 25/02/09 SUD-LI-BN1 142 CRISIL Composite Bond Index - 90%
CRISIL Liquid Fund Index - 10%
Products : AUM : Rs. 5.04 Cr
NAV : 22.0545
Portfolio % to AUM
`
Debt 92.11% Minimum Maximum
Gilts & SDL (Top 10 Holdings or >1%) 80% 100% 4.64 92.11%
7.57% GOI- 17-Jun-2033 18.38% 0% 20% 0.40 7.89%
07.32% GOI-28-Jan-2024 16.83%
6.18% GOI 04-Nov-2024 7.08%
9.19% SDL - Kerala - 28-May-2024 3.45%
7.63% GOI- 17-Jun-2059 2.32%
7.06% GOI- 10-Oct-2046 2.18%
7.62% GOI- 15-Sep-2039 0.42%
Others (with < 1% exposure) 0.00%
Gilts & SDL 50.67%
Corporate Bonds 41.44%
Corporate Bonds (Top 10 Holdings or >1%)
LIC HOUSING FINANCE LTD 8.24%
LARSEN & TOUBRO LTD. 8.01%
HDFC LTD. 6.47%
M & M FINANCIAL SERVICES LTD. 6.45%
SIKKA PORTS & TERMINALS LIMITED 6.27%
RELIANCE INDUSTRIES LTD 4.00%
L & T FINANCE LTD. 2.01%
Others (with < 1% exposure) 0.00%
MM & Others 7.89%
Total 100.00%
`
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year 5 Year Since Inception
Bond Fund 0.56% 1.01% 2.12% 8.97% 7.91% 6.14% 7.28% 7.54%
Benchmark 0.71% 1.62% 3.30% 10.86% 8.68% 6.93% 8.23% 7.87%
Fund returns vis a vis Benchmark
BOND FUND - JANUARY 2020
Debt
MM & Others
Absolute
Name of Fund Manager:
Mr. Ram Kamal Samanta / Mr. Lakshman Chettiar
CAGR (Annualised)
To aim for stable returns over medium to long term by judicious mix of investments in Government securities and
high quality corporate debt of varying maturities and also in money market instruments.
Investment PatternActual
Asset Mix
Particulars
For Dhan Suraksha, Dhan Suraksha Premium, Prabhat Tara.
AUM (Rs. In Cr)
14.70%
8.46%
8.01%
6.27%
4.00%
0.00%
Housing Sector
Financial & Insurance Activities
Civil engineering
Infrastructure
Manufacture of coke and refined petroleumproducts
Others
Top 10 Industry Exposure ( % to AUM)
< 1 year 1-3 years 3-5 years > 10 years
21.81%
6.81%
46.08%
25.30%
Debt Maturity Profile ( % of Debt)
Debt92.11%
MM & Others7.89%
Asset Allocation (% to AUM)
AAA37.99%
AA+7.00%
Gilts55.01%
Debt Rating Profile (% of Debt)
9.50
11.50
13.50
15.50
17.50
19.50
21.50
23.50
Feb
-09
Jul-
09
No
v-0
9
Ap
r-1
0
Au
g-1
0
Jan
-11
May
-11
Oct
-11
Feb
-12
Jul-
12
No
v-1
2
Ap
r-1
3
Au
g-1
3
Jan
-14
May
-14
Oct
-14
Feb
-15
Jul-
15
No
v-1
5
Ap
r-1
6
Au
g-1
6
Jan
-17
May
-17
Oct
-17
Feb
-18
Jul-
18
No
v-1
8
Ap
r-1
9
Au
g-1
9
Jan
-20
NA
V/U
NIT
(R
s)
NAV Performance (Since Inception)NAV Benchmark
Modified Duration - 3.76 yrs
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
March 31, 2009 ULIF 008 31/03/09 SUD-PI-BN1 142
Products : AUM : Rs. 2.72 Cr
NAV : 21.6889
Portfolio % to AUM
`
Debt 93.49% Minimum Maximum
Gilts & SDL (Top 10 Holdings or >1%) 80% 100% 2.54 93.49%
7.57% GOI- 17-Jun-2033 23.48% 0% 20% 0.18 6.51%
07.32% GOI-28-Jan-2024 17.47%
9.19% SDL - Kerala - 28-May-2024 14.38%
7.63% GOI- 17-Jun-2059 13.00%
6.18% GOI 04-Nov-2024 10.92%
7.06% GOI- 10-Oct-2046 3.30%
7.62% GOI- 15-Sep-2039 1.55%
Others (with < 1% exposure) 0.00%
Gilts & SDL 84.10%
Corporate Bonds 9.38%
Corporate Bonds (Top 10 Holdings or >1%)
HDFC LTD. 5.67%
L & T FINANCE LTD. 3.72%
Others (with < 1% exposure) 0.00%
MM & Others 6.51%
Total 100.00%
`
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year 5 Year Since Inception
Individual Pension Fund - Bond 0.50% 1.03% 1.00% 7.94% 7.65% 5.77% 7.06% 7.40%
Benchmark 0.71% 1.62% 3.30% 10.86% 8.68% 6.93% 8.23% 7.92%
Fund returns vis a vis Benchmark
individual Pension FUND BOND - JANUARY 2020
Debt
For Dhruv Tara Products
MM & Others
Absolute
Name of Fund Manager:
Mr. Ram Kamal Samanta / Mr. Lakshman Chettiar
CAGR (Annualised)
To aim for stable returns over medium to long term by judicious mix of investments in Government securities and
high quality corporate debt of varying maturities and also in money market instruments.
Asset Mix
ParticularsInvestment Pattern
Actual
Benchmark :
CRISIL Composite Bond Index - 90%
CRISIL Liquid Fund Index - 10%
AUM (Rs. In Cr)
5.67%
3.72%
0.00%
Housing Sector
Financial & Insurance Activities
Others
Top 10 Industry Exposure ( % to AUM)
< 1 year 3-5 years > 10 years
7.96%
47.82%44.21%
Debt Maturity Profile ( % of Debt)
Debt93.49%
MM & Others6.51%
Asset Allocation (% to AUM)
AAA10.04%
Gilts89.96%
Debt Rating Profile (% of Debt)
9.70
11.70
13.70
15.70
17.70
19.70
21.70
23.70
Mar
-09
Sep
-09
Mar
-10
Au
g-1
0
Feb
-11
Au
g-1
1
Jan
-12
Jul-
12
Dec
-12
Jun
-13
Dec
-13
May
-14
No
v-1
4
May
-15
Oct
-15
Ap
r-1
6
Sep
-16
Mar
-17
Sep
-17
Feb
-18
Au
g-1
8
Jan
-19
Jul-
19
Jan
-20
NA
V/U
NIT
(R
s)
NAV Performance (Since Inception)
NAV Benchmark
Modified Duration - 5.86 yrs
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
January 20, 2010 ULIF 016 20/01/10 SUD-PA-BN1 142
Products : AUM : Rs. 3.90 Cr
For New Dhruv Tara Products NAV : 20.5717
Portfolio % to AUM
`
Debt 95.18% Minimum Maximum
Gilts & SDL (Top 10 Holdings or >1%) 80% 100% 3.71 95.18%
9.15% GOI - 14-Nov-2024 14.18% 0% 20% 0.19 4.82%
7.57% GOI- 17-Jun-2033 13.10%
8.34% SDL - Maharashtra - 03-Feb-2020 12.48%
07.32% GOI-28-Jan-2024 10.88%
8.84% SDL - Tamil Nadu - 18-Jul-2022 5.41%
6.18% GOI 04-Nov-2024 4.07%
7.63% GOI- 17-Jun-2059 3.64%
9.19% SDL - Kerala - 28-May-2024 3.63%
7.06% GOI- 10-Oct-2046 2.56%
7.62% GOI- 15-Sep-2039 1.63%
Others (with < 1% exposure) 0.00%
Gilts & SDL 71.58%
Corporate Bonds 23.60%
Corporate Bonds (Top 10 Holdings or >1%)
L&T HOUSING FINANCE LIMITED 6.45%
SIKKA PORTS & TERMINALS LIMITED 5.41%
POWER GRID CORPORATION OF INDIA LTD 2.82%
HDFC LTD. 2.71%
L & T FINANCE LTD. 2.60%
LARSEN & TOUBRO LTD. 2.58%
DEWAN HOUSING FINANCE CORP. LTD. 1.03%Others (with < 1% exposure) 0.00%
MM & Others 4.82%
Total 100.00%
`
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year 5 Year Since Inception
Individual Pension Fund - Apex Bond 0.50% 0.96% 1.73% 7.38% 6.82% 5.48% 6.93% 7.45%
Benchmark 0.71% 1.62% 3.30% 10.86% 8.68% 6.93% 8.23% 8.14%
Fund returns vis a vis Benchmark
individual Pension FUND APEX bond - JANUARY 2020
DEBT
MM & Others
Absolute
Name of Fund Manager:
Mr. Ram Kamal Samanta / Mr. Lakshman Chettiar
CAGR (Annualised)
To aim for stable returns over medium to long term by judicious mix of investments in Government securities and high
quality corporate debt of varying maturities and also in money market instruments.
Asset Mix
ParticularsInvestment Pattern
Actual
Benchmark :
CRISIL Composite Bond Index - 90%
CRISIL Liquid Fund Index - 10%
AUM (Rs. In Cr)
9.16%
8.23%
3.63%
2.58%
0.00%
Housing Sector
Infrastructure
Financial & Insurance Activities
Civil engineering
Others
Top 10 Industry Exposure ( % to AUM)
< 1 year 1-3 years 3-5 years 5-10 years > 10 years
25.33%
11.37%
37.26%
4.04%
22.00%
Debt Maturity Profile ( % of Debt)
Debt95.18%
MM & Others4.82%
Asset Allocation( % to AUM)
AAA23.71%
Gilts75.21%
D1.08%
Debt Rating Profile (% of Debt)
9.50
11.50
13.50
15.50
17.50
19.50
21.50
23.50
Jan
-10
May
-10
Sep
-10
Jan
-11
May
-11
Sep
-11
Jan
-12
May
-12
Sep
-12
Jan
-13
May
-13
Sep
-13
Jan
-14
May
-14
Sep
-14
Jan
-15
May
-15
Sep
-15
Jan
-16
May
-16
Sep
-16
Jan
-17
May
-17
Sep
-17
Jan
-18
May
-18
Sep
-18
Jan
-19
May
-19
Sep
-19
Jan
-20
NA
V/U
NIT
(R
s)
NAV Performance (Since Inception)
NAV Benchmark
Modified Duration - 3.81 yrs
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
January 29, 2014 ULIF 020 11/12/13 SUD-LI-BN2 142
Products : AUM : Rs. 103.57 Cr
NAV : 15.8102
Portfolio % to AUM
`
Debt 92.43% Minimum Maximum
Gilts & SDL (Top 10 Holdings or >1%) 70% 100% 95.73 92.43%
7.57% GOI- 17-Jun-2033 12.36% 0% 30% 7.84 7.57%
7.63% GOI- 17-Jun-2059 11.99%
07.32% GOI-28-Jan-2024 9.06%
7.06% GOI- 10-Oct-2046 4.41%
6.18% GOI 04-Nov-2024 4.20%
7.62% GOI- 15-Sep-2039 3.22%
6.45% GOI- 07-Oct-2029 1.91%
9.19% SDL - Kerala - 28-May-2024 0.39%
9.63% Maharashtra - 12-Feb-2024 0.21%
Others (with < 1% exposure) 0.00%
Gilts & SDL 47.74%
Corporate Bonds 44.69%
Corporate Bonds (Top 10 Holdings or >1%)
HDFC LTD. 6.91%
POWER GRID CORPORATION OF INDIA LTD 6.42%
LIC HOUSING FINANCE LTD 5.93%
L&T HOUSING FINANCE LIMITED 5.87%
M & M FINANCIAL SERVICES LTD. 4.37%
BAJAJ FINANCE LTD. 3.60%
LARSEN & TOUBRO LTD. 2.52%
SIKKA PORTS & TERMINALS LIMITED 2.44%
STEEL AUTHORITY OF INDIA LTD. 2.09%
RELIANCE INDUSTRIES LTD 1.55%
Others (with < 1% exposure) 2.99%
MM & Others 7.57%
Total 100.00%
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year 5 Year Since Inception
Individual Life Income Fund 0.63% 1.16% 1.18% 6.41% 5.97% 4.95% 6.44% 7.92%
Benchmark 0.70% 1.61% 3.28% 10.63% 8.60% 6.94% 8.18% 9.17%
Fund returns vis a vis Benchmark
CRISIL Liquid Fund Index - 15%
MM & Others
For Dhan Suraksha Plus & Wealth Builder Plan
Asset Mix
ParticularsInvestment Pattern
Actual
Debt
Absolute
Name of Fund Manager:
Mr. Ram Kamal Samanta / Mr. Lakshman Chettiar
AUM (Rs. In Cr)
CAGR (Annualised)
To aim for stable returns over medium to long term by judicious mix of investments in Government securities and
high quality corporate debt of varying maturities and also in money market instruments.
Benchmark :
CRISIL Composite Bond Index - 85%
individual LIFE INCOME FUND - JANUARY 2020
Debt92.43%
MM & Others7.57%
Asset Allocation (% to AUM)
AAA44.81%
AA+0.23%
AA-2.26%
Gilts51.65%
D1.05%Debt Rating Profile (% of Debt)
< 1 year 1-3 years 3-5 years 5-10 years > 10 years
16.09%
10.71%
29.50%
9.11%
34.59%
Debt Maturity Profile ( % of Debt)
9.50
10.00
10.50
11.00
11.50
12.00
12.50
13.00
13.50
14.00
14.50
15.00
15.50
16.00
16.50
17.00
17.50
18.00
Jan
-14
May
-14
Sep
-14
Dec
-14
Ap
r-1
5
Jul-
15
No
v-1
5
Mar
-16
Jun
-16
Oct
-16
Jan
-17
May
-17
Au
g-1
7
Dec
-17
Ap
r-1
8
Jul-
18
No
v-1
8
Feb
-19
Jun
-19
Oct
-19
Jan
-20
NA
V/U
NIT
(R
s)
NAV Performance (Since Inception)
NAV Benchmark
Modified Duration - 5.05 yrs
18.71%
10.12%
9.49%
2.52%
2.09%
1.55%
0.20%
0.00%
Housing Sector
Infrastructure
Financial & Insurance Activities
Civil engineering
Manufacture of Basic Metals
Manufacture of coke and refined petroleumproducts
Manufacture of rubber and plastics products
Others
Top 10 Industry Exposure ( % to AUM)
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
October 6, 2015 ULGF 003 20/03/15 SUD-GN-BN1 142
Products : AUM : Rs. 11.62 Cr
NAV : 13.7093
Portfolio % to AUM
`
Debt 95.12% Minimum Maximum
Gilts & SDL (Top 10 Holdings or >1%) 70% 100% 11.05 95.12%
7.57% GOI- 17-Jun-2033 15.77% 0% 30% 0.57 4.88%
07.32% GOI-28-Jan-2024 12.81% 0% 15% 0.00 0.00%
6.18% GOI 04-Nov-2024 9.21% 0% 15% 0.00 0.00%
6.45% GOI- 07-Oct-2029 8.52%
7.62% GOI- 15-Sep-2039 7.91%
8.20% Gujarat 24 Jun 2025 5.45%
7.63% GOI- 17-Jun-2059 5.35%
7.06% GOI- 10-Oct-2046 5.33%
9.63% Maharashtra - 12-Feb-2024 0.76%
Others (with < 1% exposure) 0.00%
Gilts & SDL 71.10%
Corporate Bonds 24.02%
Corporate Bonds (Top 10 Holdings or >1%)
LIC HOUSING FINANCE LTD 5.26%
L&T HOUSING FINANCE LIMITED 4.52%
MRF LTD. 4.50%
RELIANCE INDUSTRIES LTD 4.33%
HDFC LTD. 2.80%
L & T FINANCE LTD. 2.61%
Others (with < 1% exposure) 0.00%
MM & Others 4.88%
Mutual Fund 0.00%
Fixed Deposit with Banks 0.00%
Total 100.00%
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year 5 Year Since Inception
Group Debt Fund 0.56% 1.17% 1.64% 8.55% 7.81% 6.28% NA 7.57%
Benchmark 0.71% 1.62% 3.30% 10.86% 8.68% 6.93% NA 8.19%
Fund returns vis a vis Benchmark
Fixed Deposits with Banks
Absolute CAGR (Annualised)
MM & Others
Mutual Funds
GROUP DEBT FUND - JANUARY 2020
For SUD Life Group Retirement Benefit Plan
Asset Mix
ParticularsInvestment Pattern
Actual
Name of Fund Manager:
Mr. Ram Kamal Samanta / Mr. Lakshman Chettiar
To generate stable returns over medium to long term with full exposure in debt market instruments by judicious
mix of Government Securities and high quality corporate debt and also in money market instruments.
Benchmark :
CRISIL Composite Bond Index - 90%
Debt
CRISIL Liquid Fund Index - 10%
AUM (Rs. In Cr)
Debt95.12%
MM & Others4.88%
Asset Allocation (% to AUM)
AAA25.25%
Gilts74.75%
Debt Rating Profile (% of Debt)
< 1 year 1-3 years 3-5 years 5-10 years > 10 years
12.83%
9.48%
26.89%
14.68%
36.12%
Debt Maturity Profile ( % of Debt)
10.00
10.50
11.00
11.50
12.00
12.50
13.00
13.50
14.00
14.50
15.00
Oct
-15
No
v-1
5
Jan
-16
Mar
-16
Ap
r-1
6Ju
n-1
6
Jul-
16
Sep
-16
No
v-1
6
Dec
-16
Feb
-17
Mar
-17
May
-17
Jul-
17
Au
g-1
7
Oct
-17
No
v-1
7
Jan
-18
Mar
-18
Ap
r-1
8
Jun
-18
Jul-
18
Sep
-18
No
v-1
8
Dec
-18
Feb
-19
Ap
r-1
9
May
-19
Jul-
19
Au
g-1
9
Oct
-19
Dec
-19
Jan
-20
NA
V/U
NIT
(R
s)
NAV Performance (Since Inception)
NAV Benchmark
Modified Duration - 5.39 yrs
12.58%
4.50%
4.33%
2.61%
0.00%
Housing Sector
Manufacture of rubber and plastics products
Manufacture of coke and refined petroleumproducts
Financial & Insurance Activities
Others
Top 10 Industry Exposure ( % to AUM)
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
August 9, 2019 ULGF 004 20/03/15 SUD-GN-MM1 142
Products : AUM : Rs. 1.55 Cr
NAV : 10.2493
Portfolio % to AUM
`
MM & Others 100.00% Minimum Maximum
MM & Others (Top 10 Holdings or >1%) 70% 100% 1.55 100.00%
364 day T-Bill – 14 Aug 2020 97.24% 0% 15% 0.00 0.00%
Tri Party Repo 2.70% 0% 15% 0.00 0.00%
Net Current Asset 0.06%
Others (with < 1% exposure) 0.00%
MM & Others 100.00%
Mutual Fund 0.00%
Fixed Deposit with Banks 0.00%
Total 100.00%
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year 5 Year Since Inception
Group Money Market Fund 0.44% 1.32% NA NA NA NA NA 5.27%
Benchmark 0.47% 1.40% NA NA NA NA NA 5.89%
GROUP MONEY MARKET FUND - JANUARY 2020
To manage the funds with safety of capital and to generate money market related returns with minimum credit
and interest rate risks.
Benchmark :
CRISIL Liquid Fund Index - 100%
Name of Fund Manager:
For SUD Life Group Retirement Benefit PlanMr. Ram Kamal Samanta / Mr. Lakshman Chettiar
Asset Mix
ParticularsInvestment Pattern
AUM (Rs. In Cr) Actual
MM & Others
Mutual Funds
Fixed Deposits with Banks
Fund returns vis a vis BenchmarkCAGR (Annualised)Absolute
10.00
10.05
10.10
10.15
10.20
10.25
10.30
09
-Au
g-1
9
14
-Au
g-1
9
19
-Au
g-1
9
24
-Au
g-1
9
29
-Au
g-1
9
03
-Sep
-19
08
-Sep
-19
13
-Sep
-19
18
-Sep
-19
23
-Sep
-19
28
-Sep
-19
03
-Oct
-19
08
-Oct
-19
13
-Oct
-19
18
-Oct
-19
23
-Oct
-19
28
-Oct
-19
02
-No
v-1
9
07
-No
v-1
9
12
-No
v-1
9
17
-No
v-1
9
22
-No
v-1
9
27
-No
v-1
9
02-
Dec
-19
07-
Dec
-19
12-
Dec
-19
17-
Dec
-19
22-
Dec
-19
27-
Dec
-19
01
-Jan
-20
06
-Jan
-20
11
-Jan
-20
16
-Jan
-20
21-
Jan
-20
26
-Jan
-20
31
-Jan
-20
NA
V/U
NIT
(R
s)
NAV Performance (Since Inception)
NAV Benchmark
MM & Others100.00%
Asset Allocation (% to AUM)
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
October 17, 2019 ULGF 002 20/03/15 SUD-GN-BL1 142
Products : AUM : Rs. 0.10 Cr
NAV : 10.2102 Equity Mr. Sumit PoddarDebt Mr. Ram Kamal Samanta / Mr. Lakshman Chettiar
Portfolio % to AUM
`
Equity (Top 10 Holdings or >1%) Minimum Maximum
Reliance Industries Ltd 3.64% 10% 30% 0.02 22.95%
ICICI Bank Ltd 3.54% 50% 90% 0.07 66.63%
Infosys Ltd. 3.00% 0% 30% 0.01 10.42%
Kotak Mahindra Bank Limited 2.18%
Tata Consultancy Services Limited 2.06%
Hindustan Unilever Limited 2.02%
HDFC Bank Ltd 1.82%
Larsen & Toubro Limited 1.36%
Housing Development Finance Corporation Ltd. 0.96%
ITC Ltd. 0.79%
Others (with < 1% exposure) 1.57%
Equity 22.95%
Debt 66.63%
Gilts & SDL 66.63%
Gilts & SDL (Top 10 Holdings)
6.45% GOI- 07-Oct-2029 24.53%
7.57% GOI- 17-Jun-2033 20.77%
7.63% GOI- 17-Jun-2059 18.07%
9.63% Maharashtra - 12-Feb-2024 3.27%
Others 0.00%
Corporate Bonds 0.00%
Corporate Bonds (Top 10 Holdings)
Others 0.00%
MM & Others 10.42%
Total 100.00%
`
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year 5 Year Since Inception
Group Balanced Fund 0.15% 1.21% NA NA NA NA NA 7.43%
Benchmark 0.35% 1.50% NA NA NA NA NA 8.36%
Equity
Debt
Fund returns vis a vis BenchmarkAbsolute CAGR (Annualised)
MM & Others
Name of Fund Manager:
For SUD Life Group Retirement Benefit Plan
Asset Mix
ParticularsInvestment Pattern
AUM (Rs. In Cr) Actual
CRISIL Composite Bond Index - 75% & CRISIL Liquid Index 10%
Group BALANCED FUND - JANUARY 2020
To generate capital appreciation with attractive returns, over medium to long term, with moderate exposure
to Equity and judicious mix of Government securities and high quality corporate debt.
Benchmark :
Nifty 50 Index - 15%
8.82%
5.06%
3.64%
2.02%
1.36%
0.79%
0.74%
0.52%
Financial & Insurance Activities
Computer programming, consultancy andrelated activities
Manufacture of coke and refined petroleumproducts
Manufacture of chemicals and chemicalproducts
Civil engineering
Manufacture of tobacco products
Manufacture of motor vehicles, trailers andsemi-trailers
Others
Top 10 Industry Exposure ( % to AUM)
3-5 years 5-10 years > 10 years
4.91%
36.81%
58.28%
Debt Maturity Profile (% of Debt)
Debt, 66.63%
Equity, 22.95%
MM & Others, 10.42%
Asset Allocation( % to AUM)
Gilts100.00%
Debt Rating Profile (% of Debt)
10.00
10.05
10.10
10.15
10.20
10.25
10.30
17
-Oct
-19
19
-Oct
-19
21
-Oct
-19
23
-Oct
-19
25
-Oct
-19
27
-Oct
-19
29
-Oct
-19
31
-Oct
-19
02
-No
v-1
90
4-N
ov-
19
06
-No
v-1
90
8-N
ov-
19
10
-No
v-1
91
2-N
ov-
19
14
-No
v-1
91
6-N
ov-
19
18
-No
v-1
92
0-N
ov-
19
22
-No
v-1
92
4-N
ov-
19
26
-No
v-1
92
8-N
ov-
19
30
-No
v-1
90
2-D
ec-1
90
4-D
ec-1
90
6-D
ec-1
90
8-D
ec-1
91
0-D
ec-1
91
2-D
ec-1
91
4-D
ec-1
91
6-D
ec-1
91
8-D
ec-1
92
0-D
ec-1
92
2-D
ec-1
92
4-D
ec-1
92
6-D
ec-1
92
8-D
ec-1
93
0-D
ec-1
90
1-J
an-2
00
3-J
an-2
00
5-J
an-2
00
7-J
an-2
00
9-J
an-2
01
1-J
an-2
01
3-J
an-2
01
5-J
an-2
01
7-J
an-2
01
9-J
an-2
02
1-J
an-2
02
3-J
an-2
02
5-J
an-2
02
7-J
an-2
02
9-J
an-2
03
1-J
an-2
0
NA
V/U
NIT
(R
s)
NAV Performance (Since Inception)
NAV Benchmark
Modified Duration - 7.65 yrs
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No. Benchmark :
June 03, 2011 ULIF 018 03/06/11 SUD-UL-DP1 142
Products : AUM : Rs. 234.65 Cr
Dhan Suraksha Express, Dhan Suraksha 3, Dhan
Suraksha Premium 3 & Prabhat Tara 3,Dhan Suraksha
Plus & Wealth Builder Plan
NAV :17.8791
Portfolio % to AUM
Debt & MM 100.00% Minimum Maximum
Gilts & SDL (Top 10 Holdings or >1%) 60% 100% 216.53 92.28%
091 day T-Bill – 06 Feb 2020 21.29% 0% 40% 18.12 7.72%
364 day T-Bill – 26 Mar 2020 21.15%
364 day T-Bill – 07 Jan 2021 10.16%
7.80% GOI - 11-Apr-2021 8.30%
8.90% SDL - Tamil Nadu - 20-Sep-2022 4.51%
8.83% GOI 25 Nov 2023 4.38%
364 day T-Bill – 17 Dec 2020 4.08%
9.63% Maharashtra - 12-Feb-2024 3.75%
9.65% SDL - Tamil Nadu - 12-Mar-2024 2.23%
7.00% GOI- 21-Jan-2021 2.16%
7.80% GOI - 03-May-2020 1.97%
8.32% SDL - Gujarat - 04-Aug-2020 1.83%
8.84% SDL - Tamil Nadu - 18-Jul-2022 1.71%Others (with < 1% exposure) 4.76%
Gilts & SDL 92.28%
MM & Others 7.72%
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year 5 Year Since Inception
Discontinued Policies Fund 0.47% 1.32% 2.96% 6.99% 6.80% 6.05% 6.76% 7.29%
Benchmark 0.71% 1.27% 3.13% 8.34% 8.11% 7.30% 7.93% 8.15%
Note: * Crisil Liquid Index 100% upto May 2013
CRISIL Short Term Gilt Index 65% & CRISIL Liquid Index 35% from June 13 onwards
AUM (Rs. In Cr)
Fund returns vis a vis Benchmark
Discontinued Policies FUND - JANUARY 2020
Absolute CAGR (Annualised)
Government Securties
MM & Others
To ensure safety and liquidity of funds and to generate the returns over and above defined regulatory
minimum rate of return of 4% per annum.
Asset Mix
CRISIL Short Term Gilt Index 65% & CRISIL Liquid Index 35% *
ParticularsInvestment Pattern
Actual
Name of Fund Manager:
Mr. Ram Kamal Samanta / Mr. Lakshman Chettiar
Govt. Securties92.28%
MM & Others7.72%
Asset Allocation( % to AUM)
9.8010.1010.4010.7011.0011.3011.6011.9012.2012.5012.8013.1013.4013.7014.0014.3014.6014.9015.2015.5015.8016.1016.4016.7017.0017.3017.6017.9018.2018.5018.8019.1019.4019.7020.00
No
v-1
1
Ap
r-1
2
Sep
-12
Mar
-13
Au
g-1
3
Feb
-14
Jul-
14
Jan
-15
Jun
-15
Dec
-15
May
-16
Oct
-16
Ap
r-1
7
Sep
-17
Mar
-18
Au
g-1
8
Feb
-19
Jul-
19
Jan
-20
NA
V/U
NIT
(R
s)
NAV Performance (Since Nov 01, 2011)
NAV Benchmark
< 1 year 1-3 years 3-5 years 5-10 years
68.12%
16.94%
13.89%
1.06%
Debt Maturity Profile ( % of Debt)
Modified Duration - 0.75 yrs
Trademark used under licence from respective owners.
Trademark used under licence from respective owners.
Risk Factors
• This document has been prepared for providing general information only.
• Unit Linked Life Insurance products are different from traditional insurance products and
are subject to various risk factors.
• Unit linked policies are subject to market risks associated with capital markets and NAVs
of units may go up or down based on the performance of fund and factors influencing
the capital market and the customers have to consider this aspect while taking any
decision.
• Customers should take into account their personal investment objectives, risk appetite
and other aspects of their financial situation before making an investment decision.
• Customers are advised to note that the details are based on past performance and are
not indicative of its future prospects or returns.
• SUD Life shall not be responsible for any losses caused or any claims that arise due to
investments made based on this document.
• All efforts have been made to ensure accuracy of the contents of this document,
however, SUD Life shall not be held responsible for any errors or omissions.
Trademark used under licence from respective owners.
Disclaimers related to Benchmark Indices
CRISIL Composite Bond Index and CRISIL Liquid Fund Index
CRISIL has taken due care and caution in compilation of data. Information has been obtained by CRISIL
from sources it considers reliable. However, CRISIL does not guarantee the accuracy, adequacy or
completeness of the information and is not responsible for any errors or omissions or for the results
obtained from the use of such information. CRISIL is not responsible for any errors in data reproduction.
CRISIL especially states that it has no financial liability whatsoever to the subscribers/ users/ transmitters/
distributors of this bulletin.
NIFTY 50 INDEX
“The Individual Life, Pension Life, Individual Apex Life Pension Apex Life funds, Blue Chip Equity Fund, Growth Plus Fund, Balanced Plus Fund and Individual Life Express Balanced Fund related to Equity, Growth and Balanced schemes, offered by SUD Life Insurance Co. Ltd are not sponsored, endorsed, sold or promoted by India Index Services & Products Limited ("IISL").
Neither IISL nor NIFTY 50 Index and its affiliates makes any representation or warranty, express or implied (including warranties of merchantability or fitness for particular purpose or use) to the owners of aforesaid schemes or any member of the public regarding the advisability of investing in securities generally or in aforesaid schemes linked to NIFTY 50 Index or particularly in the ability of the said Index to track general stock market performance in India”.