investar - sud life sheet_march 2019.pdf · annualised returns of around 11-14%. balanced and bond...

Fact Sheet

March – 2019

InveSTAR

Trademark used under license from respective owners.

Trademark used under license from respective owners.

MONTHLY REPORT – MARCH 2019

From the Desk of Chief Investment Officer…

OVERVIEW OF MARKET

Nifty sharply gained 7% during the month to register a healthy 15% return for the

financial year 2019. Contributors to positive market sentiment during the month were

pre-election polls indicating the possibility of the incumbent government retaining

power, potential rate cut by RBI in its upcoming policy, easing geopolitical tensions

between India and Pakistan and optimism over US-China trade negotiations. Among

the sectors, Banks, Energy and Infra outperformed while IT, Auto and FMCG

underperformed the Nifty during the month. FIIs were net buyers to the tune of about

Rs 329bn, while domestic mutual funds sold around Rs 72bn of equity during the month.

The Index of Industrial Production growth stood at 1.7% in January compared to 2.4%

in December. CPI inflation hardened to 2.6% in February against 2.1% in January. WPI

inflation firmed to 2.9% in February as against 2.8% in January.

The Bond market rallied during the month of March 2019. The 10 year benchmark G-

Sec (7.26% GOI 2029) closed 6 bps lower at 7.35% against 7.41% last month.

FUND PERFORMANCE

For 3 years period ending March 2019, majority of Equity and Growth funds delivered

annualised returns of around 11-14%. Balanced and Bond funds delivered about 7-10%

for the said period. Fund wise performance is detailed in the following sheets.

FIXED INCOME MARKET OUTLOOK

Growth concerns expressed by key global central banks are positive for global fixed

income market. Against this backdrop, steady currency, range bound crude, slowing

growth and CPI print below the medium term mandated target of 4% are positives for

the domestic fixed income market. RBI’s commitment towards providing adequate

system liquidity is also supportive of the market sentiment. Market sentiment likely to

get further boost from indication of further monetary easing by RBI amid slowing growth

and lower inflation. However, over the medium term, Government’s commitment

towards fiscal deficit target, crude price movement, progress of monsoon and FII flows

could impact market sentiment.

EQUITY MARKET OUTLOOK

Easing geo-political tensions and improving prospects of a stable government led to

healthy foreign flows during the month. Future market direction would be led by upcoming

quarterly earnings, management outlook for FY20, progress of monsoons and central

election outcome. Recovery in credit growth, improvement in asset quality, softening

commodity costs and appreciating rupee augurs well for corporate earnings.

Strengthening banks balance sheet, consumer spending and expected capex post-

election continue to remain key themes and in this backdrop, corporate banks and infra

stocks offer a good means to build a core portfolio.

Performance Summary as on March 31 2019

Scheme Name

SFIN

NAV BM NAV BM NAV BM NAV BM NAV BM

Apex Equity Fund

ULIF 009 20/01/10 SUD-LA-EQ1 142

Equity Fund

ULIF 002 25/02/09 SUD-LI-EQ1 142

Individual Pension Fund - Apex Equity

ULIF 013 20/01/10 SUD-PA-EQ1 142

Individual Pension Fund - Equity

ULIF 005 31/03/09 SUD-PI-EQ1 142

Apex Growth Fund

ULIF 010 20/01/10 SUD-LA-GR1 142

Growth Fund

ULIF 003 25/02/09 SUD-LI-GR1 142

Individual Pension Fund - Apex Growth

ULIF 014 20/01/10 SUD-PA-GR1 142

Individual Pension Fund - Growth

ULIF 006 31/03/09 SUD-PI-GR1 142

Apex Balanced Fund

ULIF 011 20/01/10 SUD-LA-BL1 142

Balanced Fund

ULIF 001 18/02/09 SUD-LI-BL1 142

Individual Pension Fund - Apex Balanced

ULIF 015 20/01/10 SUD-PA-BL1 142

Individual Pension Fund - Balanced

ULIF 007 31/03/09 SUD-PI-BL1 142

Express Balanced Fund

ULIF 017 29/04/11 SUD-LX-BL1 142

Apex Bond Fund

ULIF 012 20/01/10 SUD-LA-BN1 142

Bond Fund

ULIF 004 25/02/09 SUD-LI-BN1 142

Individual Pension Fund - Apex Bond

ULIF 016 20/01/10 SUD-PA-BN1 142

Individual Pension Fund - Bond

ULIF 008 31/03/09 SUD-PI-BN1 142

Discontinued Policies Fund

ULIF 018 03/06/11 SUD-UL-DP1 142

Bluechip Equity Fund

ULIF 019 11/12/13 SUD-LI-EQ2 142

Growth Plus Fund

ULIF 023 11/12/13 SUD-LI-GR2 142

Balanced Plus Fund

ULIF 024 11/12/13 SUD-LI-BL2 142

Individual Life Income Fund

ULIF 020 11/12/13 SUD-LI-BN2 142

Group Debt Fund

ULGF 003 20/03/15 SUD-GN-BN1 142

Total AUM 2677.15

5.32% 6.12% 6.83% 7.55% 8.39% 8.94%22 29/01/2014 117.40 15.1633 6.91% 6.36% 6.57% 6.86%

Absolute CAGR (Annualised)

18/02/2009 17.88 25.8068 6.85% 8.71%

9.59% 11.77%

7.05% 8.31% 9.82%

25/02/2009 39.82 42.4233 5.81%

25/02/2009 94.66 38.1069 6.46% 11.67%

25/02/2009 6.84 20.6631 7.57% 7.82% 6.16% 7.13% 7.50%6.05% 7.57%

31/03/2009 8.79 25.2153 6.98% 8.59% 7.32%

20/01/2010 313.36 23.4941 5.73% 13.66% 12.12%

11.60% 9.66%

14.26%

13.56% 11.65%

12.08%

10.67%

13.84%

12.57%

31/03/2009 18.35 35.9410 5.95%

6.60%

13.99% 11.79% 13.73%

10.67% 12.57%

12.58% 10.67%23.0672 5.78% 11.00% 9.71% 12.40%

12.08%

9.68%

31/03/2009 3.30 20.4710 7.62% 8.01% 6.15% 7.01% 7.42%

8.01%

6.05%

9.80%8.92%

13.64%

31/03/2009 16.47 30.2572 6.35%

20/01/2010 305.35 9.51%

20/01/2010 243.27 22.3818 6.40% 10.00%6.71% 8.66% 10.95%

11.24% 11.70%

14.10%

7.24% 7.48% 6.10% 7.86%

10.96%

6.81%

9.36%

6.05% 7.44%

8.01%

6.43% 7.37%8.39%5.94% 7.27%

8.91% 10.76% 8.91%

5.65% 7.18% 7.56%

8.65% 7.31% 8.69% 8.67%

10.96%

6.81%

9.29%6.78%

9.36%

6.05%

8.01%

11.21%10.08%

6.81%

1 Year

03/06/2011 318.66 16.9403 5.04% 6.81% 6.07%

29/04/2011 44.12 19.3324 6.76%

20/01/2010 14.11 21.9249 6.54%

20/01/2010 4.24 19.5457 6.83%

6 Month

9.29%

14.26%

12.58%

14.26%

12.58%

6.26% 14.17% 12.77%

6.74% 12.50% 10.32%

14.26%

12.58%

9.08%

8.99%

8.81%

2 Year (A) 3 Year Since Inception (A)

10.19%

14.64%13.95% 15.34%

9.74%

9.31%

13.84%

12.57%

9.15%

9.73%14.16%

12.08%

9.80%

13.84%

12.52%

12.08%

10.67%

14.45%

8.18%

Inception dateAUM (Rs.

Cr)NAV (Rs.)

6.78%

6.14%

6.60%

6.51%

6.14%

6.60%

6.78%

6.51%

6.14%

6.51%

6.14%

6.60%

6.71%

6.51%

13.30%

7.63%

13.85%

12.70%

10.01%

7.68%

14

15

16

7.90%

9.08%

8.99%

8.81%

7.90%

8.89%

6.81%

9.29%

7.25%

20/01/2010 29.99 23.5091

20/01/2010 32.92 22.6704

20/01/2010 94.04 20.0472

17

18

7.57%

9.80%

7.77%

7.57%

13.84%

12.57%

11.21%

7.57%

1

2

3

4

5

6

7

8

9

10

11

12

13

13.49% 12.11% 12.51%

20 29/01/2014 324.53 17.4915 6.03% 6.60% 10.99% 12.58% 9.37% 10.67% 11.51% 12.57% 11.42% 12.17%

19 29/01/2014 345.21 18.0536 5.46%

6.78% 9.55% 9.29%

10.56% 11.84% 12.88%6.03% 13.19% 13.92%

7.16% 8.01% 8.71% 9.80% 9.90% 10.54%

23 06/10/2015 9.31 12.8642 7.17% 6.51% 7.49% 6.81% 6.28% 6.05% 7.54% 7.57% 7.49% 7.56%

21 29/01/2014 274.53 16.2878 7.13%

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

Discontinued Life Policies Fund

ULIF 018 03/06/11 SUD-UL-DP1 142

P

P P

SUD Life

Group

Retirement

21P P

BALANCED FUND

P

P

22

GROUP UNIT LINKED FUND

P

DISCONTINUED FUND

BOND FUND

P

GROWTH FUND

P

16

P

P

10

EQUITY FUND

5

P P

P P

P P

Dhan

Suraksha Plus

Wealth

Builder Plan

P P

P

P

P

P P P P P

P

P P P

P P

P

P P P

P

P

P

P P

P

P

P

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

19

6

7

8

9

11

12

P

P

P

P

P

P

Mapping of Funds and Products (Funds representing the underlying Products)

P P P

1

2

3

4

20

23

Product Name (UIN)

Dhan SurakshaDhan Suraksha

PremiumPrabhat Tara

13

14

15

17

18


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 313.36

2 Equity Fund 39.82

3 Individual Pension Fund - Apex Equity 29.99

4 Individual Pension Fund - Equity 18.35

5 Bluechip Equity Fund 345.21

TOTAL 746.73

6 Apex Growth Fund 305.35

7 Growth Fund 94.66

8 Individual Pension Fund - Apex Growth 32.92

9 Individual Pension Fund - Growth 16.47

10 Growth Plus Fund 324.53

11 Apex Balanced Fund 243.27

12 Balanced Fund 17.88

13 Individual Pension Fund - Apex Balanced 14.11

14 Individual Pension Fund - Balanced 8.79

15 Express Balanced Fund 44.12

16 Balanced Plus Fund 274.53

TOTAL 1,376.63

17 Apex Bond Fund 94.04

18 Bond Fund 6.84

19 Individual Pension Fund - Apex Bond 4.24

20 Individual Pension Fund - Bond 3.30

21 Individual Life Income Fund 117.40

22 Group Debt Fund 9.31

23 Discontinued Policies Fund 318.66

TOTAL 553.79

Total Funds 23 TOTAL AUM 2,677.15

EQUITY FUND

GROWTH AND

BALANCED FUND

BOND FUND

5

11

7

EQUTY - Mr. SUMIT PODDAR

EQUTY 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


Investment Objective :

Date of Inception : SFIN No.

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

Products: AUM : Rs. 313.36 Cr

NAV : 23.4941

Portfolio % to AUM

`

Equity (Top 10 Holdings & >1%) 94.10% Minimum Maximum

Reliance Industries Ltd 8.75% 80% 100% 294.88 94.10%

HDFC Bank Ltd 7.68% 0% 20% 18.48 5.90%

ITC Ltd. 6.92%

Infosys Technologies Ltd. 6.11%

Reliance ETF Bank BeES 5.42%

Larsen & Toubro Limited 5.12%

ICICI Bank Ltd 5.05%

Tata Consultancy Services Limited 3.49%

Kotak Mahindra Bank Limited 3.33%

SBI-ETF NIFTY BANK 3.18%

Mahindra & Mahindra Ltd. 3.06%

Housing Development Finance Corporation Ltd. 2.50%

State Bank of India 2.13%

Tech Mahindra Limited 2.13%

Axis Bank Limited 1.97%

Asian Paints Ltd. 1.73%

Maruti Suzuki India Limited 1.66%

Hindustan Unilever Limited 1.44%

Hindalco Industries Ltd. 1.30%

GAIL (India) Limited 1.27%

Hindustan Petroleum Corporation Ltd. 1.06%

Berger Paints India Ltd. 1.01%

Others (with < 1% exposure) 17.81%

MM & Others 5.90%

Total 100.00%

`

1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since Inception

Apex Equity Fund 7.26% 6.61% 5.73% 13.66% 12.12% 14.16% 9.73%

Benchmark 6.98% 6.49% 6.14% 14.26% 12.08% 13.84% 9.08%

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 Benchmark

APEX EQUITY FUND -MARCH 2019

Equity

MM & Others

Absolute

Name of Fund Manager:

Mr. Sumit Poddar

CAGR (Annualised)

24.37%

11.72%

10.27%

6.92%

5.12%

4.94%

4.72%

3.60%

3.00%

2.97%

7.87%

Financial & Insurance Activities

Computer programming, consultancy andrelated activities

Manufacture of coke and refined petroleumproducts

Manufacture of tobacco products

Civil engineering

Manufacture of chemicals and chemicalproducts

Manufacture of motor vehicles, trailers andsemi-trailers

Manufacture of Basic Metals

Manufacture of pharmaceuticals,medicinalchemical and botanical products

Infrastructure

Others

Top 10 Industry Exposure ( % to AUM)

Equity94.10%

MM & Others5.90%

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

May

-10

Au

g-1

0

Dec

-10

Mar

-11

Jul-

11

Oct

-11

Feb

-12

Jun

-12

Sep

-12

Jan

-13

Ap

r-1

3

Au

g-1

3

No

v-1

3

Mar

-14

Jun

-14

Oct

-14

Jan

-15

May

-15

Sep

-15

Dec

-15

Ap

r-1

6

Jul-

16

No

v-1

6

Feb

-17

Jun

-17

Sep

-17

Jan

-18

May

-18

Au

g-1

8

Dec

-18

Mar

-19

NA

V/U

NIT

(R

s)

NAV Performance (Since Inception)NAV Benchmark


Investment Objective:


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

Products : AUM : Rs. 39.82 Cr

NAV : 42.4233

Portfolio % to AUM

`



HDFC Bank Ltd 8.06% 0% 20% 2.37 5.96%

ITC Ltd. 7.70%




















Tata Steel Limited 1.10%

Bajaj Finserv Ltd. 1.10%

Cadila Healthcare Limited 1.05%

Cipla Ltd. 1.05%

Others (with < 1% exposure) & NCA 4.69%

MM & Others 5.96%

Total 100.00%

`


Equity Fund 7.18% 6.45% 5.81% 13.56% 11.65% 13.95% 15.34%

Benchmark 6.98% 6.49% 6.14% 14.26% 12.08% 13.84% 14.64%


Equity

MM & Others


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

equity-related instruments.


Asset Mix

Particulars

Benchmark :



For Dhan Suraksha, Dhan Suraksha Premium, Prabhat

Tara.

EQUITY FUND - MARCH 2019


Mr. Sumit Poddar

AUM (Rs. In Cr)

27.09%

13.19%

11.45%

7.70%

5.76%

5.52%

5.34%

4.06%

3.37%

3.31%

8.83%


Computer programming, consultancy and relatedactivities



Civil engineering

Manufacture of chemicals and chemical products

Manufacture of motor vehicles, trailers and semi-trailers



Infrastructure

Others

Top 10 Industry Exposure (% to AUM)

Equity94.04%

MM & Others5.96%


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

Jun

-09

Oct

-09

Feb

-10

Jun

-10

Oct

-10

Feb

-11

Jun

-11

Oct

-11

Feb

-12

Jun

-12

Oct

-12

Feb

-13

Jun

-13

Oct

-13

Mar

-14

Jul-

14

Oct

-14

Mar

-15

Jul-

15

No

v-1

5

Mar

-16

Jul-

16

No

v-1

6

Mar

-17

Jul-

17

No

v-1

7

Mar

-18

Jul-

18

No

v-1

8

Mar

-19

NA

V/U

NIT

(R

s)





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


NAV : 23.5091

Portfolio % to AUM

`



ITC Ltd. 6.97% 0% 20% 1.68 5.59%

HDFC Bank Ltd 6.95%
















Bajaj Finance Ltd. 1.43%






MM & Others 5.59%

Total 100.00%

`


Individual Pension Fund - Apex Equity 7.26% 6.70% 6.26% 14.17% 12.77% 14.45% 9.74%

Benchmark 6.98% 6.49% 6.14% 14.26% 12.08% 13.84% 9.08%

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 :



AUM (Rs. In Cr)


individual Pension FUND APEX EQUITY - MARCH 2019

Equity

For New Dhruv Tara Products

MM & Others

Absolute


Mr. Sumit Poddar

CAGR (Annualised)

24.49%

11.75%

10.18%

6.97%

5.11%

5.07%

4.72%

3.60%

2.97%

2.94%

7.94%





Civil engineering





Infrastructure

Others


Equity94.41%

MM & Others5.59%


8.50

10.50

12.50

14.50

16.50

18.50

20.50

22.50

24.50

Jan

-10

May

-10

Au

g-1

0N

ov-

10

Feb

-11

Jun

-11

Sep

-11

Dec

-11

Ap

r-1

2Ju

l-1

2O

ct-1

2Fe

b-1

3M

ay-1

3A

ug-

13

Dec

-13

Mar

-14

Jun

-14

Oct

-14

Jan

-15

Ap

r-1

5A

ug-

15

No

v-1

5Fe

b-1

6M

ay-1

6Se

p-1

6D

ec-1

6M

ar-1

7Ju

l-17

Oct

-17

Jan

-18

May

-18

Au

g-1

8N

ov-

18

Mar

-19

NA

V/U

NIT

(R

s)

NAV Performance (Since Inception)

NAV Benchmark




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


NAV : 35.9410

Portfolio % to AUM

`



ITC Ltd. 6.89% 0% 20% 1.23 6.71%

HDFC Bank Ltd 6.69%






















MM & Others 6.71%

Total 100.00%

`


Individual Pension Fund - Equity 7.19% 6.46% 5.95% 13.99% 11.79% 13.73% 13.64%

Benchmark 6.98% 6.49% 6.14% 14.26% 12.08% 13.84% 13.85%

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

instruments by focusing predominantly on well established companies.

Asset Mix


Actual

Benchmark :



AUM (Rs. In Cr)


Individual pension FUND EQUITY - MARCH 2019

MM & Others

Equity

For Dhruv Tara Products

Absolute


Mr. Sumit Poddar

CAGR (Annualised)

24.18%

11.63%

10.08%

6.89%

5.06%

4.86%

4.70%

3.57%

2.97%

2.93%

7.87%



Manufacture of coke and refined petroleum products


Civil engineering




Manufacture of pharmaceuticals,medicinal chemicaland botanical products

Infrastructure

Others


Equity93.29%

MM & Others6.71%


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

Ap

r-0

9

Jul-

09

No

v-0

9

Feb

-10

Jun

-10

Oct

-10

Jan

-11

May

-11

Au

g-1

1

Dec

-11

Ap

r-1

2

Jul-

12

No

v-1

2

Mar

-13

Jun

-13

Oct

-13

Jan

-14

May

-14

Sep

-14

De

c-1

4

Ap

r-1

5

Jul-

15

No

v-1

5

Mar

-16

Jun

-16

Oct

-16

Jan

-17

May

-17

Sep

-17

De

c-1

7

Ap

r-18

Au

g-1

8

No

v-1

8

Mar

-19

NA

V/U

NIT

(R

s)


NAV Benchmark




January 29, 2014 ULIF 019 11/12/13 SUD-LI-EQ2 142


NAV : 18.0536

Portfolio % to AUM



HDFC Bank Ltd 6.97% 0% 30% 47.01 13.62%

ITC Ltd. 6.58%



















MM & Others 13.62%

Total 100.00%

`


Bluechip Equity Fund 7.09% 6.24% 5.46% 13.19% 10.56% 12.88% 12.11%

Benchmark 6.62% 6.24% 6.03% 13.92% 11.84% 13.49% 12.51%


Actual

Equity

AUM (Rs. In Cr)


Individual BLUE CHIP EQUITY - MARCH 2019

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 :



Absolute


Mr. Sumit Poddar

CAGR (Annualised)

22.99%

10.58%

9.47%

6.58%

4.70%

4.38%

4.34%

3.31%

2.61%

2.61%

7.06%





Civil engineering





Infrastructure

Others


Equity86.38%

MM & Others13.62%


10.00

11.00

12.00

13.00

14.00

15.00

16.00

17.00

18.00

19.00

Jan

-14

May

-14

Au

g-1

4

Dec

-14

Mar

-15

Jul-

15

Oct

-15

Jan

-16

May

-16

Au

g-1

6

Dec

-16

Mar

-17

Jun

-17

Oct

-17

Jan

-18

May

-18

Au

g-1

8

Dec

-18

Mar

-19

NA

V/U

NIT

(R

s)


NAV Benchmark




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

Products : AUM : Rs. 305.35 CrNAV : 23.0672 Equity Mr. Jagdish Bhanushali

Debt Mr. Ram Kamal Samanta / Mr. Lakshman Chettiar

Portfolio % to AUM

`


HDFC Bank Ltd 8.43% 55% 85% 203.38 66.61%


ITC Ltd. 4.86%
















Debt 29.27%

Gilts & SDL (Top 10 Holdings) 13.70%

07.37% GOI-16-Apr-2023 9.66%

07.32% GOI-28-Jan-2024 2.05%

7.35% GOI - 22-Jun-2024 2.00%

Others 0.00%

Corporate Bonds (Top 10 Holdings) 15.57%

LIC HOUSING FINANCE LTD 4.20%

HDFC LTD. 2.87%

UNITED PHOSPHORUS LTD. 1.64%

SIKKA PORTS & TERMINALS LIMITED 1.59%

DEWAN HOUSING FINANCE CORP. LTD. 1.48%

STEEL AUTHORITY OF INDIA LTD. 1.26%

RELIANCE INDUSTRIES LTD 0.73%

IL & FS LTD. 0.61%

LARSEN & TOUBRO LTD. 0.60%

REC LIMITED 0.20%

Others 0.38%

MM & Others 4.12%

Total 100.00%

`


Apex Growth Fund 5.30% 5.19% 5.78% 11.00% 9.71% 12.40% 9.51%

Benchmark 5.89% 5.50% 6.60% 12.58% 10.67% 12.57% 8.99%

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

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


Asset Mix

Particulars



Benchmark :


CRISIL Composite Bond Index - 30%

AUM (Rs. In Cr)


APEX GROWTH FUND - MARCH 2019

Equity

Debt, MM & Others

Absolute


CAGR (Annualised)

24.38%

8.51%

7.99%

7.08%

5.33%

4.86%

4.51%

4.24%

3.82%

3.44%

8.01%




Housing Sector



Infrastructure

Civil engineering



Others


< 1 year 1-3 years 3-5 years 5-10 years

5.61%

37.75%

41.74%

14.90%

Debt Maturity Profile ( % of Debt)

Debt29.27%

Equity66.61%

MM & Others4.12%


AAA36.12%

AA+5.61%

AA-9.36%

Gilts46.81%

D2.10%

Debt Rating Profile (% of Debt)

Modified Duration - 2.32 yrs

9.50

11.50

13.50

15.50

17.50

19.50

21.50

23.50

25.50

Jan

-10

Jul-

10

Dec

-10

Jun

-11

No

v-1

1

May

-12

Oct

-12

Ap

r-1

3

Sep

-13

Mar

-14

Au

g-1

4

Jan

-15

Jul-

15

Dec

-15

Jun

-16

No

v-1

6

May

-17

Oct

-17

Ap

r-1

8

Sep

-18

Mar

-19

NA

V/U

NIT

(R

s)


NAV Benchmark




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


NAV : 38.1069 Equity Mr. Jagdish BhanushaliDebt Mr. Ram Kamal Samanta / Mr. Lakshman Chettiar

Portfolio % to AUM

`


HDFC Bank Ltd 8.87% 40% 100% 65.55 69.25%


ITC Ltd. 4.99%

















Debt 29.97%


07.37% GOI-16-Apr-2023 14.05%

7.35% GOI - 22-Jun-2024 3.33%

7.72% GOI- 25-May-2025 2.17%

8.40% GOI 28 Jul 2024 0.50%

Others 0.00%




HDFC LTD. 2.11%

THE GREAT EASTERN SHIPPING CO. LTD. 1.17%



POWER GRID CORPORATION OF INDIA LTD 0.34%

Others 0.00%

MM & Others 0.78%

Total 100.00%

`


Growth Fund 5.36% 5.08% 6.46% 11.67% 9.59% 11.77% 14.10%

Benchmark 5.89% 5.50% 6.60% 12.58% 10.67% 12.57% 13.30%




Asset Mix

Particulars

For Dhan Suraksha, Dhan Suraksha Premium, Prabhat Tara

& Dhan Suraksha Express

Benchmark :



GROWTH FUND - MARCH 2019


AUM (Rs. In Cr)

CAGR (Annualised)Fund returns vis a vis Benchmark

Equity

Debt, MM & Others

Absolute

25.16%

8.74%

7.92%

5.01%

4.99%

4.97%

3.76%

3.74%

3.54%

2.22%

9.12%






Infrastructure


Civil engineering



Others



4.61%

23.84%

46.88%

24.68%


AAA17.78% AA+

3.90%

AA-11.42%

Gilts66.90%


9.00

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

Feb

-09

Jun

-09

Oct

-09

Feb

-10

Jun

-10

Oct

-10

Feb

-11

Jun

-11

Oct

-11

Feb

-12

Jun

-12

Oct

-12

Feb

-13

Jun

-13

Oct

-13

Mar

-14

Jul-

14

Oct

-14

Mar

-15

Jul-

15

No

v-1

5

Mar

-16

Jul-

16

No

v-1

6

Mar

-17

Jul-

17

No

v-1

7

Mar

-18

Jul-

18

No

v-1

8

Mar

-19

NA

V/U

NIT

(R

s)


NAV Benchmark

Debt29.97%

Equity69.25%

MM & Others0.78%






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


NAV : 22.6704 Equity Mr. Jagdish Bhanushali


Portfolio % to AUM

`


HDFC Bank Ltd 9.00% 55% 85% 22.26 67.60%


ITC Ltd. 4.84%
















Debt 27.07%


07.37% GOI-16-Apr-2023 5.39%

7.35% GOI - 22-Jun-2024 4.17%

7.72% GOI- 25-May-2025 2.81%

9.15% GOI - 14-Nov-2024 2.65%

07.32% GOI-28-Jan-2024 0.15%

Others 0.00%





Others 0.00%

MM & Others 5.33%

Total 100.00%

`


Individual Pension Fund - Apex Growth 5.51% 5.49% 6.74% 12.50% 10.32% 12.52% 9.31%

Benchmark 5.89% 5.50% 6.60% 12.58% 10.67% 12.57% 8.99%

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

companies through investments primarily in equity and equity-related instruments and fair exposure

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

Asset Mix


Actual

Benchmark :



AUM (Rs. In Cr)


individual Pension FUND APEX Growth - MARCH 2019

Equity


Debt, MM & Others

Absolute


CAGR (Annualised)

24.15%

8.40%

7.23%

7.20%

5.60%

4.84%

3.70%

3.61%

3.59%

3.40%

7.79%



Infrastructure




Housing Sector

Civil engineering



Others


1-3 years 3-5 years 5-10 years

43.94%

20.50%

35.56%


Debt27.07%

Equity67.60%

MM & Others5.33%


AAA32.63%

AA-11.30%

Gilts56.06%


9.00

10.50

12.00

13.50

15.00

16.50

18.00

19.50

21.00

22.50

Jan

-10

May

-10

Au

g-1

0

Dec

-10

Ap

r-1

1

Jul-

11

No

v-1

1

Mar

-12

Jun

-12

Oct

-12

Feb

-13

May

-13

Sep

-13

Jan

-14

Ap

r-1

4

Au

g-1

4

Dec

-14

Mar

-15

Jul-

15

Oct

-15

Feb

-16

Jun

-16

Sep

-16

Jan

-17

May

-17

Au

g-1

7

Dec

-17

Ap

r-1

8

Jul-

18

No

v-1

8

Mar

-19

NA

V/U

NIT

(R

s)


NAV Benchmark





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



Portfolio % to AUM

`


HDFC Bank Ltd 9.19% 40% 100% 11.20 68.01%


ITC Ltd. 4.86%
















Debt 28.54%


07.37% GOI-16-Apr-2023 17.27%

07.32% GOI-28-Jan-2024 3.39%

7.72% GOI- 25-May-2025 2.49%

7.35% GOI - 22-Jun-2024 2.16%

Others 0.00%



STATE BANK OF INDIA 0.16%

Others 0.00%

MM & Others 3.45%

Total 100.00%

`


Individual Pension Fund - Growth 5.36% 5.02% 6.35% 11.60% 9.66% 11.24% 11.70%

Benchmark 5.89% 5.50% 6.60% 12.58% 10.67% 12.57% 12.70%

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


Benchmark :



Individual pension FUND GROWTH - MARCH 2019


Actual


AUM (Rs. In Cr)


Equity

Debt, MM & Others

Absolute

24.37%

8.49%

7.13%

4.86%

3.64%

3.61%

3.49%

3.07%

2.55%

2.21%

7.81%






Civil engineering


Water transport



Others


< 1 year 3-5 years 5-10 years

10.75%

72.38%

16.87%


AAA0.57%

AA+10.75%

Gilts88.68%


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

Mar

-09

Jul-

09

Oct

-09

Jan

-10

Ap

r-1

0Ju

l-1

0O

ct-1

0Fe

b-1

1M

ay-1

1A

ug-

11

No

v-1

1Fe

b-1

2M

ay-1

2A

ug-

12

Dec

-12

Mar

-13

Jun

-13

Sep

-13

Dec

-13

Mar

-14

Jul-

14

Oct

-14

Jan

-15

Ap

r-1

5Ju

l-1

5O

ct-1

5Ja

n-1

6M

ay-1

6A

ug-

16

No

v-1

6Fe

b-1

7M

ay-1

7A

ug-

17

Dec

-17

Mar

-18

Jun

-18

Sep

-18

Dec

-18

Mar

-19

NA

V/U

NIT

(R

s)


NAV Benchmark

Debt28.54%

Equity68.01%

MM & Others3.45%






January 29, 2014 ULIF 023 11/12/13 SUD-LI-GR2 142



Portfolio % to AUM

`


HDFC Bank Ltd 7.63% 40% 100% 199.44 61.46%


ITC Ltd. 4.62% 0% 30% 34.63 10.67%














Debt 27.87%


7.72% GOI- 25-May-2025 4.23%

07.37% GOI-16-Apr-2023 2.50%

07.32% GOI-28-Jan-2024 2.35%

7.35% GOI - 22-Jun-2024 1.10%

8.20% GOI - 24-Sep-2025 1.05%

8.35% Gujarat 28-Feb-2028 0.63%

9.65% SDL - Tamil Nadu - 12-Mar-2024 0.42%

8.40% GOI 28 Jul 2024 0.10%

8.21% Maharashtra - 09-Dec-2025 0.06%

9.63% Maharashtra - 12-Feb-2024 0.03%

Others 0.00%


REC LIMITED 4.17%



HDFC LTD. 2.11%



SUNDARAM FINANCE LTD. 0.50%

IL & FS LTD. 0.23%

L&T HOUSING FINANCE LIMITED 0.16%


Others 0.00%

MM & Others 10.67%

Total 100.00%

`


Growth Plus Fund 5.32% 5.04% 6.03% 10.99% 9.37% 11.51% 11.42%

Benchmark 5.89% 5.50% 6.60% 12.58% 10.67% 12.57% 12.17%



GROWTH plus FUND - MARCH 2019

CAGR (Annualised)

Benchmark :


MM & Others

Equity

Debt

Absolute




Asset Mix


Actual


AUM (Rs. In Cr)

22.92%

9.59%

7.85%

6.64%

5.88%

4.62%

3.42%

3.36%

3.17%

2.35%

7.05%


Infrastructure



Housing Sector


Civil engineering




Others



30.86% 31.74%

37.40%

Debt Maturity Profile ( % of Debt) Modified Duration - 2.74 yrs

AAA49.92%

AA-4.53%

Gilts44.72%

D0.83%


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

18.50

19.00

Jan

-14

Mar

-14

May

-14

Jul-

14

Sep

-14

No

v-1

4

Jan

-15

Mar

-15

May

-15

Jul-

15

Sep

-15

No

v-1

5

Jan

-16

Mar

-16

May

-16

Jul-

16

Sep

-16

No

v-16

Jan

-17

Mar

-17

May

-17

Jul-

17

Sep

-17

No

v-1

7

Jan

-18

Mar

-18

May

-18

Jul-

18

Sep

-18

No

v-1

8

Jan

-19

Mar

-19

NA

V/U

NIT

(R

s)


NAV Benchmark

Debt27.87%

Equity61.46%

MM & Others10.67%





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


NAV : 22.3818 Equity Mr. Sumit Poddar


Portfolio % to AUM

`


HDFC Bank Ltd 6.41% 35% 65% 118.81 48.84%


ITC Ltd. 3.47%













Debt 48.47%Gilts & SDL (Top 10 Holdings) 20.83%

07.37% GOI-16-Apr-2023 7.77%

07.32% GOI-28-Jan-2024 3.50%

8.29% Tamilnadu 29 Jul 2025 2.09%

8.40% GOI 28 Jul 2024 2.07%

8.20% GOI - 24-Sep-2025 1.82%

8.83% GOI 25 Nov 2023 1.54%

7.72% GOI- 25-May-2025 0.59%


8.21% Maharashtra - 09-Dec-2025 0.33%

7.35% GOI - 22-Jun-2024 0.31%

Others 0.35%



HDFC LTD. 4.20%



UNITED PHOSPHORUS LTD. 2.06%

M & M FINANCIAL SERVICES LTD. 2.05%


IL & FS LTD. 1.39%



Others 3.40%

MM & Others 2.70%

Total 100.00%

`


Apex Balanced Fund 4.34% 4.42% 6.40% 10.00% 8.66% 10.95% 9.15%Benchmark 4.69% 4.48% 6.71% 10.96% 9.36% 11.21% 8.81%


Asset Mix

Particulars AUM (Rs. In Cr)


APEX BALANCED FUND - MARCH 2019

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 :



Absolute


CAGR (Annualised)

23.52%

9.37%

8.77%

6.10%

5.46%

4.74%

3.53%

3.47%

2.46%

2.09%

6.96%


Infrastructure

Housing Sector




Civil engineering




Others



5.54%

28.90%

38.80%

26.75%


Debt48.47%

Equity48.84%

MM & Others2.70%

Asset Allocation( % to AUM)

AAA41.77%

AA+9.76%

AA-2.63%

Gilts42.98%

D2.86%


9.00

11.00

13.00

15.00

17.00

19.00

21.00

23.00

25.00

Jan

-10

May

-10

Au

g-1

0

Dec

-10

Mar

-11

Jul-

11

Oct

-11

Feb

-12

Jun

-12

Sep

-12

Jan

-13

Ap

r-1

3

Au

g-1

3

No

v-1

3

Mar

-14

Jun

-14

Oct

-14

Jan

-15

May

-15

Sep

-15

Dec

-15

Ap

r-1

6

Jul-

16

No

v-1

6

Feb

-17

Jun

-17

Sep

-17

Jan

-18

May

-18

Au

g-1

8

Dec

-18

Mar

-19

NA

V/U

NIT

(R

s)


NAV Benchmark





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


NAV : 25.8068 Equity Mr. Sumit PoddarDebt Mr. Ram Kamal Samanta / Mr. Lakshman Chettiar

Portfolio % to AUM

`


HDFC Bank Ltd 4.52% 0% 60% 4.18 23.38%


ITC Ltd. 2.49%








Others (with < 1% exposure) & NCA 2.33%

Debt 75.57%


07.37% GOI-16-Apr-2023 39.51%

9.63% Maharashtra - 12-Feb-2024 3.01%

9.19% SDL - Kerala - 28-May-2024 2.97%

9.11% Maharashtra - 28-May-2024 1.48%

07.32% GOI-28-Jan-2024 0.57%

Others 0.00%




HDFC LTD. 5.63%

IL & FS LTD. 2.10%





Others 0.00%

MM & Others 1.04%

Total 100.00%

`


Balanced Fund 3.04% 3.30% 6.85% 8.71% 7.05% 8.31% 9.82%

Benchmark 3.50% 3.47% 6.78% 9.29% 8.01% 9.80% 10.19%

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

Particulars

For Dhan Suraksha, Dhan Suraksha Premium, Prabhat

Tara.

Benchmark :



AUM (Rs. In Cr)


BALANCED FUND - MARCH 2019

Equity

Debt, MM & Others

Absolute


CAGR (Annualised)

15.06%

13.70%

8.08%

4.95%

4.31%

3.31%

2.49%

1.90%

1.86%

1.81%

5.13%


Housing Sector


Infrastructure





Civil engineering


Others



2.97%

17.84%

59.28%

19.91%

Debt Maturity Profile (% of Debt)

Debt75.57%

Equity23.38%

MM & Others1.04%


AAA21.63%

AA+1.49%

AA-11.21%

Gilts62.90%

D2.78%


9.5010.5011.5012.5013.5014.5015.5016.5017.5018.5019.5020.5021.5022.5023.5024.5025.5026.5027.50

Feb

-09

Jun

-09

Sep

-09

Dec

-09

Ap

r-1

0

Jul-

10

No

v-1

0

Feb

-11

Jun

-11

Sep

-11

Jan

-12

Ap

r-1

2

Au

g-1

2

No

v-1

2

Feb

-13

Jun

-13

Sep

-13

Jan

-14

Ap

r-1

4

Au

g-1

4

No

v-1

4

Mar

-15

Jun

-15

Sep

-15

Jan

-16

Ap

r-1

6

Au

g-1

6

No

v-1

6

Mar

-17

Jun

-17

Oct

-17

Jan

-18

May

-18

Au

g-1

8

No

v-1

8

Mar

-19

NA

V/U

NIT

(R

s)






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



Portfolio % to AUM

`


HDFC Bank Ltd 6.38% 35% 65% 6.92 49.05%


ITC Ltd. 3.47%













Debt 45.53%


07.37% GOI-16-Apr-2023 7.43%

8.21% Maharashtra - 09-Dec-2025 7.19%

8.20% GOI - 15-Feb-2022 3.64%

8.40% GOI 28 Jul 2024 3.38%

Others 0.00%




HDFC LTD. 3.58%



L & T FINANCE LTD. 2.16%

RELIANCE INDUSTRIES LTD 0.72%Others 0.00%

MM & Others 5.42%

Total 100.00%

`


Individual Pension Fund - Apex Balanced 4.26% 4.49% 6.54% 10.08% 8.91% 10.76% 8.91%

Benchmark 4.69% 4.48% 6.71% 10.96% 9.36% 11.21% 8.81%

To optimize returns over medium to long term, by aiming balance between risk and return, through

investments in high quality equity and debt instruments.

Asset Mix


Actual

Benchmark :



AUM (Rs. In Cr)


individual Pension FUND APEX balanced - MARCH 2019

Equity


Debt, MM & Others

Absolute


CAGR (Annualised)

22.01%

11.52%

6.05%

5.92%

5.40%

5.25%

3.47%

2.59%

2.58%

2.50%

5.62%


Housing Sector




Infrastructure


Civil engineering



Others



54.06%

21.09%24.85%


AAA39.84%

AA-12.61%

Gilts47.56%


9.50

11.50

13.50

15.50

17.50

19.50

21.50

23.50

Jan

-10

May

-10

Au

g-1

0

Dec

-10

Ap

r-1

1

Jul-

11

No

v-1

1

Mar

-12

Jun

-12

Oct

-12

Feb

-13

May

-13

Sep

-13

Jan

-14

Ap

r-1

4

Au

g-1

4

Dec

-14

Mar

-15

Jul-

15

Oct

-15

Feb

-16

Jun

-16

Sep

-16

Jan

-17

May

-17

Au

g-1

7

Dec

-17

Ap

r-1

8

Jul-

18

No

v-1

8

Mar

-19

NA

V/U

NIT

(R

s)


NAV Benchmark

Debt45.53%

Equity49.05%

MM & Others5.42%






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



Portfolio % to AUM

`


HDFC Bank Ltd 3.84% 0% 60% 2.56 29.19%


ITC Ltd. 2.06%









Debt 63.71%


07.37% GOI-16-Apr-2023 22.42%

9.63% Maharashtra - 12-Feb-2024 4.90%

9.11% Maharashtra - 28-May-2024 4.82%

7.72% GOI- 25-May-2025 2.34%

07.32% GOI-28-Jan-2024 1.16%Others 0.00%





HDFC LTD. 2.42%



IL & FS LTD. 1.71%



Others 0.00%

MM & Others 7.10%

Total 100.00%

`


Individual Pension Fund - Balanced 2.98% 3.40% 6.98% 8.59% 7.32% 8.92% 9.68%

Benchmark 3.50% 3.47% 6.78% 9.29% 8.01% 9.80% 10.01%

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

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

Asset Mix


Actual

Benchmark :



AUM (Rs. In Cr)


individual pension FUND BALANCED - MARCH 2019

Equity


Debt, MM & Others

Absolute


CAGR (Annualised)

15.55%

8.60%

8.20%

5.75%

3.63%

3.09%

2.72%

2.06%

1.57%

1.57%

4.53%


Infrastructure

Housing Sector

Water transport



Civil engineering




Others



9.03%

22.13%

51.02%

17.83%



AAA28.72%

AA+9.03%

AA-3.64%

Gilts55.93%

D2.68%Debt Rating Profile (% of Debt)

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

26.00

27.00

Mar

-09

Au

g-0

9

Dec

-09

Ap

r-1

0

Sep

-10

Jan

-11

May

-11

Sep

-11

Feb

-12

Jun

-12

Oct

-12

Feb

-13

Jul-

13

No

v-1

3

Mar

-14

Au

g-1

4

Dec

-14

Ap

r-1

5

Au

g-1

5

Jan

-16

May

-16

Sep

-16

Jan

-17

Jun

-17

Oct

-17

Feb

-18

Jul-

18

No

v-1

8

Mar

-19

NA

V/U

NIT

(R

s)


NAV Benchmark

Debt63.71%

Equity29.19%

MM & Others7.10%




Date of Inception : SFIN No. Benchmark :

April 29, 2011 ULIF 017 29/04/11 SUD-LX-BL1 142 Nifty 50 Index - 30%



For Dhan Suraksha Express NAV : 19.3324 Equity Mr. Sumit Poddar


Portfolio % to AUM

`


HDFC Bank Ltd 3.83% 0% 60% 13.02 29.52%


ITC Ltd. 2.10%









Debt 66.74%


07.37% GOI-16-Apr-2023 23.86%

9.15% GOI - 14-Nov-2024 3.10%

9.63% Maharashtra - 12-Feb-2024 1.22%

07.32% GOI-28-Jan-2024 1.04%

8.20% GOI - 24-Sep-2025 0.95%

9.11% Maharashtra - 28-May-2024 0.60%

8.29% Tamilnadu 29 Jul 2025 0.58%


7.35% GOI - 22-Jun-2024 0.35%

Others 0.00%





HDFC LTD. 5.72%


IL & FS LTD. 1.36%

MRF LTD. 1.19%




Others 0.00%

MM & Others 3.75%

Total 100.00%


Express Balanced Fund 3.03% 3.36% 6.76% 8.65% 7.31% 8.69% 8.67%

Benchmark 3.50% 3.47% 6.78% 9.29% 8.01% 9.80% 8.89%

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


ActualAUM (Rs. In Cr)


Express BALANCED FUND - MARCH 2019

Equity

Debt, MM & Others

Absolute


CAGR (Annualised)

13.25%

12.09%

12.06%

5.73%

3.64%

2.76%

2.50%

2.26%

2.10%

1.60%

6.11%

Housing Sector

Infrastructure


Water transport



Civil engineering




Others



8.58%

36.09%42.36%

12.97%


AAA37.73%

AA+8.58%

AA-3.44%

Gilts48.21%

D2.04% Debt Rating Profile (% of Debt)

9.50

11.50

13.50

15.50

17.50

19.50

21.50

Ap

r-1

1

Au

g-1

1

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

Au

g-1

4

Dec

-14

Ap

r-1

5

Au

g-1

5

Dec

-15

Ap

r-1

6

Jul-

16

No

v-1

6

Mar

-17

Jul-

17

No

v-1

7

Mar

-18

Jul-

18

No

v-1

8

Mar

-19

NA

V/U

NIT

(R

s)


NAV Benchmark

Debt66.74%

Equity29.52%

MM & Others3.75%






January 29, 2014 ULIF 024 11/12/13 SUD-LI-BL2 142 Nifty 50 Index - 30%



For Dhan Suraksha Plus & Wealth Builder Plan NAV : 16.2878 Equity Mr. Sumit Poddar


Portfolio % to AUM

`


HDFC Bank Ltd 3.67% 0% 60% 76.98 28.04%


ITC Ltd. 2.02% 0% 30% 19.75 7.19%









Debt 64.77%


07.37% GOI-16-Apr-2023 9.96%

07.32% GOI-28-Jan-2024 7.26%

7.35% GOI - 22-Jun-2024 4.52%

7.72% GOI- 25-May-2025 4.06%

8.40% GOI 28 Jul 2024 2.90%

8.20% GOI - 24-Sep-2025 1.80%

8.35% Gujarat 28-Feb-2028 0.74%

8.21% Maharashtra - 09-Dec-2025 0.63%

8.20% Gujarat 24 Jun 2025 0.51%

9.19% SDL - Kerala - 28-May-2024 0.48%

Others 2.24%



HDFC LTD. 3.98%


BAJAJ FINANCE LTD. 2.66%






REC LIMITED 1.09%

Others 4.74%

MM & Others 7.19%

Total 100.00%

`


Balanced Plus Fund 3.15% 3.63% 7.13% 9.55% 7.16% 8.71% 9.90%

Benchmark 3.50% 3.47% 6.78% 9.29% 8.01% 9.80% 10.54%

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


ActualAUM (Rs. In Cr)


BALANCEd PLUS FUND - MARCH 2019

MM & Others

Equity

Debt

Absolute


CAGR (Annualised)

18.49%

10.10%

4.49%

3.78%

3.48%

3.45%

3.05%

2.02%

1.80%

1.48%

5.56%


Housing Sector

Infrastructure




Civil engineering


Water transport


Others


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

3.35%

24.21%

39.84%

32.38%

0.23%


AAA33.62%

AA+4.69%AA-

7.30%

Gilts54.18%

D0.21%


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

Jan

-14

May

-14

Sep

-14

Jan

-15

May

-15

Sep

-15

Jan

-16

Ap

r-1

6

Au

g-1

6

Dec

-16

Ap

r-1

7

Au

g-1

7

Dec

-17

Mar

-18

Jul-

18

No

v-1

8

Mar

-19

NA

V/U

NIT

(R

s)


NAV Benchmark

Debt64.77%

Equity28.04%

MM & Others7.19%






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


NAV :20.0472

Portfolio % to AUM

`

Debt 95.64% Minimum Maximum

Gilts & SDL (Top 10 Holdings & >1%) 39.52% 80% 100% 89.94 95.64%

07.37% GOI-16-Apr-2023 35.38% 0% 20% 4.10 4.36%

9.19% SDL - Kerala - 28-May-2024 2.26%

8.20% GOI - 24-Sep-2025 0.67%

7.35% GOI - 22-Jun-2024 0.59%

7.72% GOI- 25-May-2025 0.49%

8.40% GOI 28 Jul 2024 0.11%

07.32% GOI-28-Jan-2024 0.01%


Corporate Bonds (Top 10 Holdings & >1%) 56.13%


HDFC LTD. 8.15%




SHRIRAM TRANSPORT FINANCE CO. LTD. 5.45%




REC LIMITED 0.53%


MM & Others 4.36%

Total 100.00%

`


Apex Bond Fund 1.50% 2.31% 7.24% 7.48% 6.10% 7.44% 7.86%

Benchmark 1.63% 1.93% 6.51% 6.81% 6.05% 7.57% 7.90%

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



Premium 3 & Prabhat Tara 3.

Benchmark :



AUM (Rs. In Cr)


APEX BOND FUND - MARCH 2019

DEBT

MM & Others

Particulars

Absolute


Mr. Ram Kamal Samanta / Mr. Lakshman Chettiar

CAGR (Annualised)

23.51%

23.03%

9.27%

0.21%

0.11%

0.00%

Housing Sector


Infrastructure

Water transport


Others



0.22%

23.98%

50.91%

24.89%



Debt95.64%

MM & Others4.36%


AAA42.23%

AA+13.56%

AA-2.89%

Gilts41.32%


9.50

10.50

11.50

12.50

13.50

14.50

15.50

16.50

17.50

18.50

19.50

Jan

-10

May

-10

Au

g-1

0

Dec

-10

Mar

-11

Jul-

11

Oct

-11

Feb

-12

Jun

-12

Sep

-12

Jan

-13

Ap

r-1

3

Au

g-1

3

No

v-1

3

Mar

-14

Jun

-14

Oct

-14

Jan

-15

May

-15

Sep

-15

Dec

-15

Ap

r-1

6

Jul-

16

No

v-1

6

Feb

-17

Jun

-17

Sep

-17

Jan

-18

May

-18

Au

g-1

8

Dec

-18

Mar

-19

NA

V/U

NIT

(R

s)


NAV Benchmark




February 25, 2009 ULIF 004 25/02/09 SUD-LI-BN1 142 CRISIL Composite Bond Index - 90%



NAV : 20.6631

Portfolio % to AUM

`



07.37% GOI-16-Apr-2023 48.00% 0% 20% 0.11 1.63%

7.72% GOI- 25-May-2025 5.41%

Others (with < 1% exposure) & NCA -11.98%



HDFC LTD. 7.76%










MM & Others 1.63%

Total 100.00%

`


Bond Fund 1.35% 2.42% 7.57% 7.82% 6.16% 7.13% 7.50%

Benchmark 1.63% 1.93% 6.51% 6.81% 6.05% 7.57% 7.63%

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

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


Asset Mix

Particulars

For Dhan Suraksha, Dhan Suraksha Premium, Prabhat Tara.

AUM (Rs. In Cr)


BOND FUND - MARCH 2019

Debt

MM & Others

Absolute



CAGR (Annualised)

16.24%

13.77%

7.68%

7.39%

5.94%

4.45%

1.47%

0.00%

Infrastructure

Housing Sector


Water transport

Civil engineering



Others


< 1 year 1-3 years 3-5 years 5-10 years-3.17%

24.47%

55.10%

23.60%


Debt98.37%

MM & Others1.63% Asset Allocation (% to AUM)

AAA37.95%

AA+12.31%

AA-1.33%

Gilts48.40%


9.50

11.50

13.50

15.50

17.50

19.50

Feb

-09

Jun

-09

Oct

-09

Feb

-10

Jun

-10

Oct

-10

Feb

-11

Jun

-11

Oct

-11

Feb

-12

Jun

-12

Oct

-12

Feb

-13

Jun

-13

Oct

-13

Mar

-14

Jul-

14

Oct

-14

Mar

-15

Jul-

15

No

v-1

5

Mar

-16

Jul-

16

No

v-1

6

Mar

-17

Jul-

17

No

v-1

7

Mar

-18

Jul-

18

No

v-1

8

Mar

-19

NA

V/U

NIT

(R

s)






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


For New Dhruv Tara Products NAV : 19.5457

Portfolio % to AUM

`



07.37% GOI-16-Apr-2023 16.09% 0% 20% 0.15 3.46%

8.40% GOI 28 Jul 2024 13.76%

9.15% GOI - 14-Nov-2024 12.89%

8.34% SDL - Maharashtra - 03-Feb-2020 11.60%

8.84% SDL - Tamil Nadu - 18-Jul-2022 4.91%





HDFC LTD. 7.38%




REC LIMITED 2.36%

DEWAN HOUSING FINANCE CORP. LTD. 1.89%Others (with < 1% exposure) 0.00%

MM & Others 3.46%

Total 100.00%

`


Individual Pension Fund - Apex Bond 1.38% 2.41% 6.83% 7.25% 5.65% 7.18% 7.56%

Benchmark 1.63% 1.93% 6.51% 6.81% 6.05% 7.57% 7.90%



Asset Mix


Actual

Benchmark :



AUM (Rs. In Cr)


individual Pension FUND APEX bond - MARCH 2019

DEBT

MM & Others

Absolute



CAGR (Annualised)

17.37%

13.26%

4.28%

2.39%

0.00%

Infrastructure

Housing Sector


Civil engineering

Others



12.01%

18.78% 21.75%

47.45%


Debt96.54%

MM & Others3.46%


AAA36.68%

AA-1.96%

Gilts61.36%


9.50

11.50

13.50

15.50

17.50

19.50

21.50

Jan

-10

May

-10

Au

g-1

0

Dec

-10

Ap

r-1

1

Jul-

11

No

v-1

1

Mar

-12

Jun

-12

Oct

-12

Feb

-13

May

-13

Sep

-13

Jan

-14

Ap

r-1

4

Au

g-1

4

Dec

-14

Mar

-15

Jul-

15

Oct

-15

Feb

-16

Jun

-16

Sep

-16

Jan

-17

May

-17

Au

g-1

7

Dec

-17

Ap

r-1

8

Jul-

18

No

v-1

8

Mar

-19

NA

V/U

NIT

(R

s)


NAV Benchmark





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


NAV : 20.4710

Portfolio % to AUM

`



07.37% GOI-16-Apr-2023 39.98% 0% 20% 0.44 13.34%

07.32% GOI-28-Jan-2024 12.31%

7.72% GOI- 25-May-2025 1.71%




MRF LTD. 6.35%





REC LIMITED 3.03%

HDFC LTD. 1.53%


MM & Others 13.34%

Total 100.00%

`


Individual Pension Fund - Bond 1.15% 2.15% 7.62% 8.01% 6.15% 7.01% 7.42%

Benchmark 1.63% 1.93% 6.51% 6.81% 6.05% 7.57% 7.68%



Asset Mix


Actual

Benchmark :



AUM (Rs. In Cr)


individual Pension FUND BOND - MARCH 2019

Debt


MM & Others

Absolute



CAGR (Annualised)

9.49%

6.35%

6.10%

3.07%

3.07%

3.05%

1.53%

0.00%

Infrastructure

Manufacture of rubber and plastics products




Water transport

Housing Sector

Others



3.52%

21.46%

60.34%

14.69%


Debt86.66%

MM & Others13.34%


AAA27.13%

AA+3.52%

AA-7.04%Gilts

62.31%


9.70

11.70

13.70

15.70

17.70

19.70

21.70

Mar

-09

Sep

-09

Feb

-10

Jul-

10

Dec

-10

May

-11

No

v-1

1

Ap

r-1

2

Sep

-12

Feb

-13

Jul-

13

Jan

-14

Jun

-14

No

v-1

4

Ap

r-1

5

Sep

-15

Mar

-16

Au

g-1

6

Jan

-17

Jun

-17

No

v-1

7

May

-18

Oct

-18

Mar

-19

NA

V/U

NIT

(R

s)


NAV Benchmark





January 29, 2014 ULIF 020 11/12/13 SUD-LI-BN2 142


NAV : 15.1633

Portfolio % to AUM

`



07.37% GOI-16-Apr-2023 25.77% 0% 30% 5.34 4.55%

07.32% GOI-28-Jan-2024 4.71%

8.39% Rajasthan -UDAY SPL-15-Mar-2022 4.36%

8.35% GOI - 14-May -2022 2.67%

8.20% GOI - 24-Sep-2025 2.33%

9.11% Maharashtra - 28-May-2024 1.35%

7.35% GOI - 22-Jun-2024 1.08%

7.80% GOI - 11-Apr-2021 0.87%

8.35% Gujarat 28-Feb-2028 0.87%

8.21% Maharashtra - 09-Dec-2025 0.43%





HDFC LTD. 5.59%



REC LIMITED 4.83%








MM & Others 4.55%

Total 100.00%


Individual Life Income Fund 1.43% 2.45% 6.91% 6.57% 5.32% 6.83% 8.39%

Benchmark 1.58% 1.93% 6.36% 6.86% 6.12% 7.55% 8.94%



Benchmark :


individual LIFE INCOME FUND - MARCH 2019



MM & Others


Asset Mix


Actual

Debt

Absolute



AUM (Rs. In Cr)

CAGR (Annualised)

Debt95.45%

MM & Others4.55%


AAA46.15%

AA+1.54%AA-

5.07%

Gilts46.57%

D0.67%Debt Rating Profile (% of Debt)


2.33%

27.10%

53.11%

17.46%


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

Jan

-14

Ap

r-1

4

Jul-

14

Oct

-14

Jan

-15

Ap

r-1

5

Jul-

15

Oct

-15

Jan

-16

Ap

r-1

6

Jul-

16

Oct

-16

Jan

-17

Mar

-17

Jun

-17

Sep

-17

Dec

-17

Mar

-18

Jun

-18

Sep

-18

Dec

-18

Mar

-19

NA

V/U

NIT

(R

s)


NAV Benchmark


17.33%

14.12%

11.96%

2.76%

2.25%

1.29%

1.29%

0.00%

Housing Sector


Infrastructure


Civil engineering


Water transport

Others





October 6, 2015 ULGF 003 20/03/15 SUD-GN-BN1 142


NAV : 12.8642

Portfolio % to AUM

`



07.37% GOI-16-Apr-2023 24.05% 0% 30% 0.53 5.72%

07.32% GOI-28-Jan-2024 13.63% 0% 15% 0.00 0.00%

7.35% GOI - 22-Jun-2024 8.73% 0% 15% 0.00 0.00%

8.20% Gujarat 24 Jun 2025 6.52%

8.21% Maharashtra - 09-Dec-2025 2.72%

8.20% GOI - 15-Feb-2022 0.16%




MRF LTD. 5.62%



HDFC LTD. 3.42%



REC LIMITED 3.22%


MM & Others 5.72%

Mutual Fund 0.00%

Fixed Deposit with Banks 0.00%

Total 100.00%


Group Debt Fund 1.30% 2.24% 7.17% 7.49% 6.28% 7.54% 7.49%

Benchmark 1.63% 1.93% 6.51% 6.81% 6.05% 7.57% 7.56%

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 :


Debt


AUM (Rs. In Cr)

MM & Others

Mutual Funds

GROUP DEBT FUND - MARCH 2019

For SUD Life Group Retirement Benefit Plan

Asset Mix


Actual




Fixed Deposits with Banks

Absolute

Debt94.28%

MM & Others5.72%


AAA37.38%

AA+3.43%

Gilts59.19%



3.43%

30.50%

39.96%

26.10%


10.00

10.50

11.00

11.50

12.00

12.50

13.00

13.50

Oct

-15

No

v-1

5D

ec-1

5Ja

n-1

6Fe

b-1

6A

pr-

16

May

-16

Jun

-16

Jul-

16

Au

g-1

6Se

p-1

6N

ov-

16

Dec

-16

Jan

-17

Feb

-17

Mar

-17

May

-17

Jun

-17

Jul-

17

Au

g-1

7Se

p-1

7O

ct-1

7D

ec-1

7Ja

n-1

8Fe

b-1

8M

ar-1

8A

pr-

18

Jun

-18

Jul-

18

Au

g-1

8Se

p-1

8O

ct-1

8D

ec-1

8Ja

n-1

9Fe

b-1

9M

ar-1

9

NA

V/U

NIT

(R

s)


NAV Benchmark

Modified Duration - 2.91 yrs17.69%

5.62%

5.44%

3.27%

3.24%

3.22%

0.00%

Housing Sector

Manufacture of rubber and plastics products



Water transport

Infrastructure

Others





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


Dhan Suraksha Express, Dhan Suraksha 3, Dhan

Suraksha Premium 3 & Prabhat Tara 3,Dhan Suraksha

Plus & Wealth Builder PlanNAV :

16.9403

Portfolio % to AUM

Debt & MM 100.00% Minimum Maximum


6.35% GOI- 02-Jan-2020 20.39% 0% 40% 10.28 3.23%

364 day T-Bill – 09 Jan 2020 11.93%

364 day T-Bill – 23 Jan 2020 11.91%

364 day T-Bill – 02 Jan 2020 10.45%

6.9000% GOI - 13-Jul-2019 6.34%

7.80% GOI - 11-Apr-2021 6.10%

8.90% SDL - Tamil Nadu - 20-Sep-2022 3.28%

8.83% GOI 25 Nov 2023 3.20%

7.28% GOI- 03-Jun-2019 3.14%

364 day T-Bill – 27 June 2019 3.09%

9.63% Maharashtra - 12-Feb-2024 2.70%

8.40% GOI 28 Jul 2024 1.96%


7.80% GOI - 03-May-2020 1.46%

8.32% SDL - Gujarat - 04-Aug-2020 1.35%

8.84% SDL - Tamil Nadu - 18-Jul-2022 1.24%

8.20% GOI - 15-Feb-2022 1.17%

8.29% Tamilnadu 29 Jul 2025 1.12%


MM & Others 3.23%


Discontinued Policies Fund 0.74% 1.91% 5.04% 6.81% 6.07% 6.43% 7.37%

Benchmark 0.84% 2.38% 5.94% 8.39% 7.27% 7.77% 8.18%

Note: * Crisil Liquid Index 100% upto May 2013

CRISIL Short Term Gilt Index 65% & CRISIL Liquid Index 35% from June 13 onwards


Discontinued Policies FUND - MARCH 2019


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% *


Actual



AUM (Rs. In Cr)

Govt. Securties96.77%

MM & Others3.23% Asset Allocation( % to AUM)

9.8010.1010.4010.7011.0011.3011.6011.9012.2012.5012.8013.1013.4013.7014.0014.3014.6014.9015.2015.5015.8016.1016.4016.7017.0017.3017.6017.9018.2018.50

No

v-1

1

Mar

-12

Au

g-1

2

Dec

-12

May

-13

Oct

-13

Feb

-14

Jul-

14

Dec

-14

Ap

r-1

5

Sep

-15

Jan

-16

Jun

-16

No

v-1

6

Mar

-17

Au

g-1

7

Jan

-18

May

-18

Oct

-18

Mar

-19

NA

V/U

NIT

(R

s)

NAV Performance (Since Nov 01, 2011)

NAV Benchmark


70.01%

10.76% 13.83%

5.40%





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.


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”.

investar - sud life sheet_march 2019.pdf · annualised returns of around 11-14%. balanced and bond...

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