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Sahara

SchemeF E A T U R E S

Minimum Application amount :Rs 1000/- and in multiples of Re 1/- thereafterEntry Load (w.e.f. 01.02.05) : • 2.25% for investments < 25 lakhs •1.75% for investment > = 25 lakhs & < 1 crore

• Nil for investment > = 1 crore Exit Load : Nil

Entry Load : Nil - for SIP/STP investments into Sahara MidCap FundExit Load : Normal entry load would be charged as exit load if redeemed before 12 months

for such SIP/STP investments.

The investment objective of the scheme is to achieve long term capital growth

at medium level of risks by investing primarily in mid-cap stocks. The invest-

ment manager will have the discretion to invest upto 100% of the assets in the

portfolio in equity market/equity related instruments at a given point of time.

Scheme TypeAn open - ended growth fund

Investor Profile:Ideal for investors seeking high returns at relatively medium risk across

long term horizon.

Investment Option:Investors under the Sahara Midcap Fund have the choice of Growth Plan,

Dividend Plan, Growth Auto-payout Plan and Bonus Plan.

Benchmark Index:CNX Midcap 200

Inception Date:December 31, 2004

NAV as on April 29, 2005All options: Rs. 10.2932

MIDCAP FUND

P o r t f o l i o a s o n 2 9 . 0 4 . 2 0 0 5

Past performance may or may not be sustained in future

Sector-wise Asset DistributionAsset Allocation

NAV

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Sector Security Name % of Grand % of SectorTotal Total

EQUITY SHARES

Consumer Goods Tata Coffee Ltd 5.42

Voltas Ltd. 4.7616.37%

Williamson Tea Assam Ltd. 4.03

EID Parry (India) Ltd. 2.16

Industrial Manufacturing SKF India Ltd. 5.74

KSB Pumps Ltd. 4.7213.72%

Engineers India Ltd. 2.04

FCI OEN Connectors Ltd. 1.22

Textiles Indian Rayon & Industries Ltd 5.258.39%

Raymond Ltd 3.14

Chemicals Atul Ltd 2.52

BASF India Ltd. 1.957.78%

Gujarat Alkalies and Chemicals 1.67

Clariant India Ltd., 1.63

Metals Mahindra Ugine Steel Co Ltd 3.34

Tinplate Company Of India Ltd. 2.89 7.08%

Gujarat Mineral Dev. Corp Ltd. 0.86

Financial Services Tata Investment Corporation Ltd 3.71

South Indian Bank Ltd 2.00 6.76%

Lakshmi Vilas Bank Ltd 1.06

Pharmaceuticals Merck Ltd 2.24

Glenmark Pharmaceuticals Ltd. 2.126.31%

IPCA Laboratories Ltd 1.30

FDC Ltd. 0.65

Cement & Cement Products Birla Corporation Ltd 3.505.01%

Century Textiles & Industries 1.51

IT Tata Elxsi Ltd 2.123.99%

Helios & Matheson Information 1.87

Automobile Sundaram Fasteners Ltd 2.163.79%

Denso India Ltd. 1.63

Services Thomas Cook Ltd 1.833.50%

Essar Shipping Ltd 1.67

Paper Tamil Nadu Newsprint & Papers 2.73 2.73%

Energy Ahmedabad Electric Company 2.65 2.65%

Fertlizers & Pesticides Gujarat State Fertilisers & Chem. Ltd 1.10

Excel Crop Care Ltd 0.49 1.79%

Zuari Industries Ltd 0.20

Sub-Total 89.86% 89.86%

Current Asset 10.14% 10.14%

GRAND TOTAL 100.00% 100%

Performance (%)

Scheme/ NAV/Index 1 month IncepIndex Name

Midcap Fund 10.2932 6.51 2.93

Benchmark 2774.30 3.61 6.89

Benchmark Index:CNX Midcap 200

Note: Absolute Returns

Note: Past Performance is no guarantee of future results.

Sahara


Minimum Application amount : Rs.3000/- and additional investments in multiples of Rs.1000/-Entry Load : • 2.00% for investments < 25 lakhs •1.50% for investment >= 25 lakhs & < 1 crore

• Nil for investment > = 1 crore Exit Load : Nil

Entry Load : Nil - for SIP/STP investments into Sahara Growth FundExit Load : Normal entry load would be charged as exit load if redeemed before 12 months

for such SIP/STP investments.

GROWTH FUND

P o r t f o l i o a s o n 2 9 . 0 4 . 2 0 0 5The investment objective of the scheme is to achieve capital appreciation

by investing in equity and equity related instruments.

Scheme TypeAn open - ended growth fund

Investor Profile:Ideal for investors seeking high returns at relatively medium risk across

long term horizon.

Investment Option:Investors under the Sahara Growth Fund have the choice of Growth,

Dividend Payout Option & Dividend Reinvestment Option.

Inception Date:August 30, 2002

NAV as on April 29, 2005Dividend - Rs. 16.41

Growth - Rs. 23.83


Energy National Thermal Power Corp Ltd 6.79%

Hindustan Petroleum Corp Ltd 5.46%22.68%

Oil & Natural Gas Corp of India 5.30%

Neyveli Lignite Corporation Ltd 5.13%

Industrial Manufacturing Bharat Electronics Ltd 4.97%

Asea Brown Boveri Ltd 3.97%

Bharat Forge Ltd 3.31% 16.72%

Larsen and Toubro Limited 2.81%

SKF India Ltd. 1.66%

Consumer Goods Voltas Ltd. 5.63%

Tata Tea Ltd 4.64% 14.74%

Tata Coffee Ltd 4.47%

Automobiles Tata Motors Ltd 4.80%

Majestic Auto Ltd. 2.32% 8.28%

Mahindra & Mahindra Ltd 1.16%

IT Tata Consultancy Services Ltd 5.63%7.12%

Infosys Technologies Ltd. 1.49%

Metals Hindustan Zinc Ltd 5.30%6.95%

Sesa Goa Ltd 1.66%

Pharmaceuticals Smithkline Glaxo Ltd 5.96% 5.96%

Cement & Cement products Grasim Industries Ltd 5.79% 5.79%

Services The Shipping Corp of India Ltd 5.46% 5.46%

Current Assets 6.29% 6.29%

Grand Total 100.00% 100.00%


Dividend DeclaredDividend declared on the face value of Rs. 10/-


Dividend History:Record Date Rate % Of Div Cum Div NAV (Rs)

28.01.2005 3 rupees per unit 30.00% 19.57

25.09.2003 3 rupees per unit 30.00% 14.95

NAV

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Performance (%)

Scheme/ NAV/Index 1 Yr 2 Yrs IncepIndex Name

Growth Fund 23.83 14.73 57.23 41.53

Benchmark 1902.5 5.17 42.85 29.26

Benchmark Index:S & P CNX Nifty

Note: Annualised Returns for 1 year and CAGR for more than 1 year period


Sahara


TAXGAIN FUND

Tax Gain Fund - Minimum Application amount : Rs.500/- and additional investments in multiples of Rs.500/-Entry Load : 2.00% Exit Load : Nil

Entry Load : Nil - for SIP/STP investments into Sahara Tax Gain FundExit Load : Normal entry load would be charged as exit load if redeemed before 12 months for such SIP/STP investments.



P o r t f o l i o a s o n 2 9 . 0 4 . 2 0 0 5

The objective of the scheme is to provide immediatetax relief and long term growth of capital to investors.

Scheme TypeAn open - ended Equity Linked Saving Scheme (ELSS)

Investor Profile:Ideal for investors seeking high returns at relativelymedium risk across long term horizon by investing inequity and equity related instruments.


Dividend History (Taxgain Fund) :Record Date Rate % Of Div Cum Div NAV(Rs)19.01.2005 10 rupees per unit 100.0% 70.6129.03.2005 20 rupees per unit 200.0% 66.75

To generate risk free return and thus provide medium tolong term capital gains with income distribution alongwith capital gains tax relief to its Unit holders, at alltimes emphasizing the importance of capital preservation.

Scheme TypeAn open - ended Gilt fund

Investor Profile:Ideal for investors with low-moderate risk appetite, PFtrusts, Financial Institutions/Banks & Corporates.

P o r t f o l i o a s o n 2 9 . 0 4 . 2 0 0 5Portfolio Rating % of Portfolio

GOI Securities 54.00%11.68% CG 2006 Sov 13.23%12% CG 2008 Sov 19.62%12.32% CG 2011 Sov 21.15%T Bill Sov 16.49% 16.49%Net Current Assets / Receivables 29.50% 29.50%TOTAL 100.00%

AVERAGE MATURITY TENOR : 3.13 years

Asset Allocation

Dividend History (Gilt Fund) :Record Date Rate % Of Div Cum Div NAV (Rs)

12.05.2003 44 paise per unit 4.40% 10.8567

12.08.2003 22 paise per unit 2.20% 10.716315.10.2003 17.5 paise per unit 1.75% 10.9535

Gilt Fund - Minimum Application Amount : Rs.5000/- And Additional Investments In Multiples Of Rs.1000/- Entry Load : NilExit Load : •<Rs 10 Lakhs: 0.50% If Redeemed Within 6 Months •>=Rs 10 Lakhs: 1.25% If Redeemed Within 12 Months

Investment Option:Investors under the Sahara Tax Gain Fund havethe choice of Growth, Dividend Payout Option& Dividend Reinvestment Option.

Inception Date:April 1, 1997

NAV as on April 29, 2005Dividend - Rs. 42.90Growth - Rs. 85.58

Investment Option:Investors under the Sahara Gilt Fund have thechoice of Growth, Dividend Payout and DividendReinvestment Option.

Inception Date:February 22, 2002

NAV as on April 29, 2005Dividend - Rs. 10.3876Growth - Rs. 11.3590

Performance (%)Scheme/ NAV/Index 1 Yr 3 Yrs IncepIndex Name Value

Growth Plan 11.359 -2.77 4.41 4.18

Benchmark 3367.4418 -2.39 7.00 NA

Benchmark Index:I Sec Composite Index



GILT FUND

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Performance (%)

*Benchmark Index:Note: Annualised Returns for 1 year and CAGR for more than 1 year periodNote: Past Performance is no guarantee of future results.

Scheme/ NAV/Index 1 Yr 3 Yrs 5 Yrs IncepIndex Name ValueGrowth Plan 85.58 19.88 32.31 2.67 31.14BSE 200* 821.02 8.13 28.17 9.91 12.07


Energy Oil & Natural Gas Corp of India 5.29%Hindustan Petroleum Corp Ltd 5.29%National Thermal Power Corp Ltd 4.33% 20.67%Neyveli Lignite Corporation Ltd 3.85%Ahmedabad Electricity Company 1.92%

Industrial Manufacturing Asea Brown Boveri Ltd 3.37%SKF India Ltd. 3.37% 11.06%Bharat Electronics Ltd 2.40%Bharat Forge Ltd 1.92%

Metals Tata Iron & Steel Company Ltd 4.33%Tinplate Company Of India Ltd. 2.88% 10.10%Hindustan Zinc Ltd 2.40%Sesa Goa Ltd 0.48%

Telecom Mahanagar Telephone Nigam Ltd 4.81% 9.62%Videsh Sanchar Nigam Ltd 4.81%

IT Infosys Technologies 3.37%Helios & Matheson Information 2.88% 9.13%Tata Consultancy Services Ltd 2.88%

Consumer Goods Voltas Ltd. 2.88%Tata Coffee Ltd 2.40% 7.69%Williamson Tea Assam Ltd. 2.40%

Automobile Punjab Tractors Ltd. 3.85% 5.77%Mahindra & Mahindra Ltd 1.92%

Cement & Cement Products Grasim Industries Ltd 3.85% 3.85%Pharmaceuticals Smithkline Glaxo Ltd 3.37% 3.37%Services Great Eastern Shipping Co. Ltd. 2.88% 2.88%Chemicals Indian Petrochemicals Corporation Ltd. 2.40% 2.40%Financial Services State Bank of Travancore 0.96% 1.39%

State Bank of Bikaner & Jaipur 0.43%Current Assets 12.07% 12.07%GRANT TOTAL 100.00% 100.00%

Sahara


LIQUID FUND

P o r t f o l i o a s o n 2 9 . 0 4 . 2 0 0 5

* Parallel rating PR1+ for UR

AVERAGE MATURITY TENOR : 65 days

To create a highly liquid portfolio of good quality debt as well as money

market instruments with a view to provide high liquidity and reasonable

returns to the Unit holders.

Scheme TypeAn open - ended liquid scheme

Investor Profile:Ideal for investors who wish to park their short term surpluses at relatively

low risk. Corporate and High Net Worth investors who have temporary

surpluses can benefit from this scheme.

Investment Option:Investors under the Sahara Liquid Fund have the choice of Growth and

Dividend Reinvestment options.

Benchmark Index:Crisil Liquid Fund Index



Growth - Rs. 11.9617

Minimum Application amount : Rs.10000/- and additional investments in multiples of Rs.5000/-

Entry Load : Nil

Exit Load : Nil

Asset Allocation

Rating Profile

Daily Dividend declaration w.e.f. February 26th, 2004


Performance (%)Scheme/ NAV/Index 7days* 14 days* 1 Mth 6 Mths 1 Yr 3 Yr IncepIndex Name Value

Growth Plan 11.9617 0.10 0.19 5.01 5.16 4.93 5.63 5.74

Benchmark 1157.3229 0.12 0.17 4.87 4.65 4.25 4.79 NA

* Return upto 14 days - absolute returns

Return from 1 month to - 1 year annualised returns and return since inception - CAGR

Benchmark Index:Crisil Liquid Fund index

NAV

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Portfolio Rating % of Portfolio

BONDS/ NON CONVERTIBLE DEBENTURES 48.79%

SREI Infrastructure Finance Ltd PR1+ 9.03%

Industrial Development Bank of India AA+ 8.78%

GE Capital Services PTC P1+SO 4.55%

Redington India Ltd P1+ 4.51%

Canbank Factors Ltd P1+ 4.51%

Citicorp Maruti Finance Ltd AAA 4.51%

Citi Financial Consumer Finance India Ltd AAA 4.07%

HDFC Ltd AAA 4.05%

Tata Motors Ltd PTC AAA(SO) 3.00%

ICICI Bank- PTC AAA(SO) 1.77%

FLOATING RATE NCDs 32.28%

United Phosphorus Ltd PR1+ 9.03%


Jayshree Tea & Industries Ltd A1+ 4.51%

EID Parry India Ltd P1+ 4.51%

Blue Star Ltd PR1+ 4.51%

Industrial Dev. Bank of India (IDBI Bonds) AA+ 3.61%

Berger Paints Ltd P1+ 1.58%

COMMERCIAL PAPER/CDs 17.92%

Exim Bank P1+ 8.98%

ICICI Bank P1+ 8.94%

Net Current Assets/ Receivables 1.01% 1.01%

TOTAL 100.00% 100.00%

Sahara


INCOME FUND



P o r t f o l i o a s o n 2 9 . 0 4 . 2 0 0 5

AVERAGE MATURITY TENOR : 0.50 years

CRISIL AAAf Rated#

Primary objective of the scheme is to generate regular income and the

secondary objective is growth of capital through investments in debt in-

struments, money market and related securities, while at all times empha-

sizing the importance of capital preservation.

Scheme TypeAn open - ended Income fund

Investor Profile:Ideal for investors seeking reasonable returns at relatively low risk across a

medium to long term investment horizon.

Investment Option:Investors under the Sahara Income Fund have the choice of Growth,

Dividend and Dividend Reinvestment options.




# Rating indicates that the fund portfolio holdings provide very strong protection against losses from creditdefaults.

Disclaimer clause: The rating of CRISIL is not an opinion of the Asset Management Company's willingnessor ability to make timely payments to the Investors. The rating is also not an opinion on the stability of the NAVof the fund, which could vary with market developments.

Minimum Application amount : Rs 3000/- and in multiples of Rs 1000/- thereafter

Entry Load : Nil

Exit Load : <Rs 10 lakhs : 0.50% if redeemed within 6 months • >=Rs 10 lakhs : Nil

Asset Allocation

Rating ProfilePerformance (%)

Scheme/ NAV/Index 1 Yr 3 Yrs IncepIndex Name Value

Growth Plan 11.803 0.35 5.43 5.34

Benchmark 1206.5971 -0.42 6.03 NA

Benchmark Index:Crisil Composite Bond Fund Index



Dividend History:Record Date Rate % Of Div Cum Div NAV(Rs)

07.11.2002 20 paise per unit 2.00 10.4409

06.02.2003 25 paise per unit 2.50 10.5300

12.05.2003 18 paise per unit 1.80 10.4246

12.08.2003 22 paise per unit 2.20 12.5339

15.10.2003 17.5 paise per unit 1.75 10.6654

NAV

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BONDS/ NON CONVERTIBLE DEBENTURES 36.71%


HDFC Ltd AAA 12.66%

IDBI Ltd AA+ 11.39%

SOVEREIGN

11.68% CG 2006 Sov 44.05% 44.05%

Cash/Receivables/Net Current Assets 19.24% 19.24%

TOTAL 100.00%

Sahara




P o r t f o l i o a s o n 2 9 . 0 4 . 2 0 0 5

AVERAGE MATURITY TENOR : 102 days

Dividend History:Record Date Rate % Of Div Cum Div NAV (Rs)

01.02.2005 4 paise per unit 0.40% 10.4932

01.12.2004 3.5 paise 0.35% 10.4482

Minimum Application amount : Rs 5000/- and in multiples of Rs 1000/- thereafter

Entry Load : Nil

Exit Load : Nil

The Primary Objective of Sahara Income Fund is to generate regular income

and secondary objective is growth of capital through investment in debt

instruments, money market and related instruments, whilst at all times

emphasizing the importance of capital preservation.

(The overall objective of Sahara Short Term Plan would be in consonance

with the investment objective of Sahara Income Fund; however the specific

objective is to generate returns that would endeavour to generate returns

in line with Mibor linked short term papers with daily call/put option.)

Scheme TypeAn open - ended Short term plan#

Investor Profile:Ideal for investors who have a short-term investment horizon and wish to

avoid high volatility but expect superior returns than the Liquid Funds.

Investment Option:Investors under the Sahara STP have the choice of Growth, Dividend

Payout Option and Dividend Reinvestment Option.

Inception Date:September 11, 2002



#The CRISIL rating which applies for the income fund is not applicable to the short term plan

Asset Allocation

Rating Profile

SHORT TERM PLAN

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FLOATING RATE NCDs 7.42%

Berger Paints Ltd P1+ 7.42%

GOI Securities 31.16%

11.68% CG 2006 Sov 31.16%

Net Current Assets/ Receivables 61.42% 61.42%

TOTAL 100.00%

Performance (%)Scheme/ NAV/Index 7days 14 days 1 Mth 3 Mths 1 Yr 2 Yr IncepIndex Name Value

Growth Plan 11.7035 0.02 0.08 0.32 1.01 4.42 5.59 6.11

Benchmark 1157.3229 0.11 0.17 0.42 1.14 4.25 4.22 4.85

Benchmark Index:Crisil Liquid Fund index

Note: Absolute Returns for period less than 1 year, annualised for period 1 year or more,


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