Monthly Fund Factsheet: Investment Philosophy

the analyst
fund snapshot
asset allocation
100% equity 100% pure equity 100% equity
June 2011
monthly fund factsheet

last 1 year last 2 year last 3 year
7.16% NA -6.79% 2.29% -0.18% 6.18% 7.29% 7.70% 7.21% 7.93% 8.93% 9.08% 6.52% NA 8.88% 8.49% NA NA NA NA NA NA NA NA NA
gross return (CAGR*) (%) As on May 31, 2011 funds

Equity Fund Pure Equity Fund Infrastructure Fund Energy Fund Midcap Fund Super Growth Fund High Growth Fund Growth Plus Fund Growth Fund Balanced Fund Corporate Bond Fund Pure Debt Fund Gilt Fund Guaranteed Bond Fund I Money Market Fund Capital Secure Fund Equity Plus Fund Highest Nav Guarantee Fund Highest NAV Advantage FundSeries I New Pure Equity Fund New Infrastructure Fund New Energy Fund New Midcap Fund New Corporate Bond Fund New Gilt Fund New Money Market Fund
date of since inception inception

18.64% August, 2004 11.36% June, 2008 -6.43% March, 2008 1.74% March, 2008 2.00% March, 2008 5.98% May, 2007 9.19% March, 2007 9.02% March, 2007 11.46% August, 2004 10.23% February, 2003 9.23% May, 2007 8.96% April, 2007 6.52% May, 2007 10.94% December, 2008 8.92% May, 2007 7.13% February, 2003 5.76% January, 2010 8.80% February, 2010 NA September, 2010 2.80% January, 2010 -2.86% January, 2010 -4.99% January, 2010 6.47% January, 2010 6.40% January, 2010 7.75% January, 2010
10.83% 16.61% 8.51% 13.30% -3.64% -2.71% 0.17% 1.83% -1.09% 13.47% 8.69% 12.86% 8.00% 11.50% 7.37% 10.56% 5.66% 5.13% 5.09% 6.70% 7.73% 4.94% 7.80% 7.80% 8.83% 10.06% NA 8.54% -3.68% 0.29% -1.46% 5.45% 5.41% 8.23% 8.64% 7.29% 7.26% 8.16% 6.21% 7.27% 8.01% 7.47% NA 8.80% NA NA NA NA NA NA NA NA
investment philosophy
Reliance Life Insurance seeks consistent and superior long-term returns with a well-defined and disciplined investment approach symbolizing integrity and transparency to benefit all stakeholders.
100% equity 100% equity 80% equity, 20% debt 60% equity, 40% debt 50% equity, 50% debt 40% equity, 60% debt 20% equity, 80% debt 100% bond instruments 100% debt Instruments 100% govt. securities 100% debt Instruments
Economy Indicators
1 2 3 1 1
31st May 11
30th Apr 11
% 1.87 1.73 -1.06 -10.93 0.08
100% money market instruments 100% money market instruments 100% equity 100% dynamic 100% dynamic 100% pure equity 100% equity 100% equity
Rs./$ WPI Inflation Index Forex Reserves ($ bn) Oil Price ($ per Barrel) Gold (Rs. per 10gm)
45.06
44.22 150.6
310.22 102.70 22252
313.51 113.93 22233
Forex Reserves updated as on 27th May 2011
NA -10.62% January, 2010
Investments
31st May 11
30th Apr 11
Absolute Change
100% equity 100% bond instruments 100% govt. securities 100% money market instruments
*CAGR: Compounded Annual Growth Rate
4 4
FIIs (Rs Crs) Mfs (Rs Crs)
-6,614 435
7,213 -464
-13828 898
Indices
1 1 1 1
31st May 11
30th Apr 11
% Change -3.31 -3.29 -1.66 -5.50
Indian Economy
Rally in commodity prices (especially crude oil) witnessed during Feb-Apr 2011 raised inflationary concerns in developing countries. In May Crude Oil corrected around 10% because of weak employment situation and ISM manufacturing data from US. In addition, global food prices have already touched record levels of 2008 driven mainly by floods in various parts of world due to global warming. Industrial production growth continued to remain volatile and showed figures from 7.30% yoy in Mar'11 from 3.7%% in Feb11. For the period Apr-Mar, IIP grew at 7.8% yoy vs 10.5% previous year same period. Credit growth continues to be robust at 22.4% YoY .Deposits growth has shown slight improvement and is now at 17.4% YoY from around 17% at end Mar10. The inflation, after moderating from the peak of 11% in April10 to 7.5% in Nov10, in terms of whole sale price index (WPI) hardened in Apr11 to 8.66%. Sharp jump in non-food prices driven mainly by high mineral prices and domestic fuel price hike has pushed up general price levels. Core inflation has also contributed to increase in Wholesale Price Index. Food prices continue to remain high.
BSE Sensex S&P CNX Nifty CNX Mid Cap BSE Small Cap
18503 5560 8065 8236
9.10 9.38 9.09 4.59
Global Indices
1 1 1 1
31st May 11
30th Apr 11
% Change -1.88 -1.32 -0.15 -1.58
Dow Jones FTSE 100 Hang Seng Nikkei
12570 5990 23684 9694
12811 6070 23721 9850
Debt Market
Amidst adequate liquidity the g-sec yields showed an upward movement on back of start of g-sec supply in the month of April. Most actively traded 10 yr paper touched a high of 8.41% against 8.1350% in previous month. Corporate bonds also moved up sharply due to fresh primary issuances which was raised money through private placement at 9.70%. At the end of the month 10 year corporate bond traded at 9.77%.
Sectoral Indices
1 1 1 1 1 1
31st May 11
30th Apr 11
% Change -1.57 -4.66 0.42 -4.08 -3.40 -2.44
CNX Infrastructure CNX Energy BSE Capital Goods BSE Bankex BSE Oil & Gas BSE IT
2975 8784 13092 12543 9594 5994
3023 9214 13037 13077 9932 6144
Debt Outlook:
In the Coming month, we expect interest rates to harden further. We expect liquidity to remain tight on credit demand ,advanced tax outflows and government borrowing program. RBI is expected to hike rates in its next mid Quarterly review policy meeting given the high inflation print of 8.66% for April. Key economic data-points like adhering to estimated budget numbers for FY12, monthly inflation numbers, IIP numbers, credit numbers, overall liquidity in system, g-sec supply are likely to dominate the yield curve and RBIs action.
Fixed Income Indicators (%)

1 1 1 1
31st May 11
30th Apr 11
Absolute Change 0.51 0.65 0.58 0.42 0.25 0.28 0.43 0.52 -0.23
Equity Market
Equity markets reacted negatively to the increase in interest rates by RBI in its policy review, concerns related to economic growth and negative global cues with the Sensex touching a low of 18,011 before recovering to close the month at 18,503 with a loss of 3.30% . Equity markets were buoyed in the initial part of the month by a strong showing in state elections by the incumbent coalition which helped it recover some lost ground due to rate policy hike. A lower GDP growth for January-March quarter (7.8% y-o-y) eased fears of a hawkish policy stance by RBI in the fiscal policy review in June and helped sentiment in the domestic markets during the end of the month. GDP for the fiscal 2011 grew 8.5% compared with 8% in the fiscal 2010.
NSE Mibor 91 Day T-Bill 182 Day T-Bill
7.40 8.10 8.23 8.25 8.49 8.41 9.74 9.77 3.06
6.89 7.45 7.65 7.83 8.24 8.13 9.31 9.24 3.29
1 year GOI Benchmark 5 Year GOI Benchmark 10 Year GOI Benchmark 5 Year Corp Bond Benchmark 10 Year AAA Corp Bond Benchmark 10 Year US Benchmark
Source: 1 Bloomberg, 2 eaindustry.nic.in,
3
Equity Outlook:
Equity markets in the coming month would be governed by global factors like Greece bailout, QE2 withdrawal and US growth concerns. Domestically the key factors to watch out for would be policy measures in RBI policy review, EGOM meet on fuel prices and the political fallout of the 2G scam. We expect the markets to be range bound in the month of June .
RBI and
SEBI
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Equity Fund
fund performance As on May 31, 2011
period gross fund return
10.83% 16.61% 7.16% 6.56% 12.04% 18.64%
benchmark return
9.32% 11.79% 4.52% 6.66% 12.61% 19.65%
fund standard deviation

17.63% 16.59% 28.46% 29.41% 27.25% 26.02%
benchmark standard deviation

20.64% 19.63% 32.51% 32.24% 29.62% 27.82%
fund sharpe ratio

0.33% 0.70% 0.08% 0.05% 0.26% 0.52%
benchmark sharpe ratio

0.21% 0.35% -0.01% 0.05% 0.26% 0.53%
last 1 year last 2 year (CAGR*) last 3 year (CAGR*) last 4 year (CAGR*)
fund objective
Provide high real rate of return in the long-term through high exposure to equity investments, while recognizing that there is significant probability of negative returns in the short term. The risk appetite is high.
last 5 year (CAGR*) since inception (CAGR*) date of inception

august, 2004
portfolio As on May 31, 2011

security % total net assets 1-yr beta
asset allocation as on May 31, 2011

% total net asset
equity
fund risk profile
low
low to moderate moderate moderate to high
high
AUTO ANCILLARY BHARAT FORGE LTD EXIDE INDUSTRIES LTD AUTOMOBILES MAHINDRA & MAHINDRA LTD MARUTI SUZUKI INDIA LTD BAJAJ AUTO LTD NEW MOTHERSON SUMI SYSTEMS LTD TATA MOTORS LTD BANKING & FINANCE ICICI BANK LTD HDFC BANK LTD STATE BANK OF INDIA AXIS BANK LTD BANK OF BARODA HOUSING DEVELOPMENT FINANCE CORPORATION LTD SHRIRAM TRANSPORT FINANCE COMPANY LTD POWER FINANCE CORPORATION LTD INDUSIND BANK LTD CAP GOODS / ENGINEERING LARSEN & TOUBRO LTD CUMMINS INDIA LTD BHARAT HEAVY ELECTRICALS LTD ALSTOM PROJECTS INDIA LTD CROMPTON GREAVES LTD CEMENT & CEMENT PRODUCTS ULTRATECH CEMENT LTD INDIA CEMENTS LTD CONSTRUCTION JAIPRAKASH ASSOCIATES LTD NCC LTD CONSUMER GOODS SINTEX INDUSTRIES LTD BALLARPUR INDUSTRIES LTD FMCG ITC LTD HINDUSTAN UNILEVER LTD TATA GLOBAL BEVERAGES LTD GAS GAIL (INDIA LTD IT INFOSYS TECHNOLOGIES LTD TATA CONSULTANCY SERVICES LTD MEDIA HT MEDIA LTD METALS TATA STEEL LTD STERLITE INDUSTRIES INDIA LTD JINDAL STEEL AND POWER LTD HINDUSTAN ZINC LTD JINDAL SAW LTD OIL EXPLORATION OIL & NATURAL GAS CORPORATION LTD CAIRN INDIA LTD OIL REFINERIES RELIANCE INDUSTRIES LTD OIL INDIA LTD PHARMACEUTICALS DIVIS LABORATORIES LTD LUPIN LTD STRIDES ARCOLABS LTD SUN PHARMACEUTICALS INDUSTRIES LTD RANBAXY LABORATORIES LTD AUROBINDO PHARMA LTD POWER NTPC LTD TATA POWER LTD AREVA T & D INDIA LTD TELECOM BHARTI AIRTEL LTD
1.00 0.64 0.36 6.18 2.46 1.33 1.20 0.95 0.24 21.39 6.90 3.71 3.44 2.79 1.45 1.38 0.89 0.56 0.27 9.20 3.99 2.64 1.95 0.31 0.31 1.71 1.28 0.43 1.61 1.12 0.49 1.30 0.99 0.31 6.89 5.53 0.91 0.45 0.98 0.98 9.68 6.00 3.68 0.54 0.54 6.68 1.73 1.66 1.38 1.04 0.87 3.09 1.98 1.11 8.59 7.95 0.64 8.07 3.75 1.94 0.74 0.68 0.66 0.30 1.33 0.80 0.47 0.06 2.89 2.89
1.02 0.57 1.18 0.84 0.70 0.43 1.33 1.47 1.04 1.19 1.37 0.76 1.18 0.63 0.86 1.16 1.14 0.44 0.84 1.06 0.64 0.57 1.08 1.77 1.34 0.99 0.82 0.70 0.60 0.87 0.60 0.82 0.91 0.41 1.23 1.31 0.99 1.01 0.91 0.71 0.63 0.95 0.36 0.52 0.67 1.05 0.65 0.87 1.06 0.68 0.55 0.62 0.77
total money market instruments
8.87%
equity
91.13%
fund characteristics as on May 31, 2011

Fund Beta 0.93
growth of initial investment of Rs. 10,000 in MRP

35,000 30,000 25,000 20,000 15,000 10,000 5,000 10,000
29,043
inception 9-Aug2004
31-May-11
total equity total money market instruments total net assets
91.13 8.87 100.00
target asset allocation

Equity: 100%
benchmark construction
S&P CNX Nifty: 100%
Pure Equity Fund

8.51% 13.30% 11.36%
benchmark return
9.32% 11.79% 11.57%

16.38% 15.76% 27.10%

20.64% 19.63% 31.19%
fund sharpe ratio

0.21% 0.53% 0.23%

0.21% 0.35% 0.21%
last 1 year last 2 year (CAGR*) since inception (CAGR*) date of inception
june, 2008
fund objective


total money market instruments % total net asset 8.27%
equity
AUTO ANCILLARY EXIDE INDUSTRIES LTD AUTOMOBILES MARUTI SUZUKI INDIA LTD MAHINDRA & MAHINDRA LTD MOTHERSON SUMI SYSTEMS LTD BAJAJ AUTO LTD NEW CAP GOODS / ENGINEERING BHARAT HEAVY ELECTRICALS LTD LARSEN & TOUBRO LTD CUMMINS INDIA LTD CROMPTON GREAVES LTD VOLTAS LTD CEMENT & CEMENT PRODUCTS GRASIM INDUSTRIES LTD ULTRATECH CEMENT LTD FMCG HINDUSTAN UNILEVER LTD GAS GAIL (INDIA) LTD IT INFOSYS TECHNOLOGIES LTD TATA CONSULTANCY SERVICES LTD WIPRO LTD METALS JINDAL STEEL AND POWER LTD HINDALCO INDUSTRIES LTD JINDAL SAW LTD OIL EXPLORATION OIL & NATURAL GAS CORPORATION LTD CAIRN INDIA LTD RELIANCE INDUSTRIES LTD PHARMACEUTICALS RANBAXY LABORATORIES LTD SUN PHARMACEUTICALS INDUSTRIES AVENTIS PHARMA LTD LUPIN LTD DIVIS LABORATORIES LTD POWER TATA POWER LTD NTPC LTD AREVA T & D INDIA LTD TELECOM BHARTI AIRTEL LTD 0.68 0.68 11.99 4.87 2.44 2.37 2.31 10.65 3.87 3.49 1.58 1.14 0.57 2.81 1.84 0.97 3.09 3.09 3.31 3.31 14.60 8.36 3.47 2.77 7.48 2.91 2.64 1.93 15.17 3.80 2.32 9.05 11.73 3.29 2.73 2.28 2.08 1.35 5.34 2.63 1.85 0.86 4.88 4.88 91.73
fund risk profile
0.57 0.84 1.18 0.43 0.70 0.84 1.14 0.44 0.64 0.88 0.61 0.57 0.60 0.60 0.82 0.91 0.83 0.99 1.49 0.91 0.71 0.63 0.95 0.87 0.65 0.15 0.67 0.52 0.55 0.68 0.62 0.77
low
high
equity
91.73%

Fund Beta 0.79
growth of initial investment of Rs. 10,000 in SIP

15,000 13,000 11,000 9,000 7,000 5,000 3,000 1,000 10,000 13,363
inception 12-Jun-08
31-May-11
8.27 100.00

Pure Equity: 100%
(*Investments only in sectors other than banks and non-banking financial companies, breweries, distilleries, alcohol based chemicals, cigarettes, tobacco, entertainment, leather, sugar and hatcheries.)
S&P CNX Nifty: 100%
Infrastructure Fund
-3.64% -2.71% -6.79% -6.43%
benchmark return
-7.89% -10.19% -10.56% -10.23%

18.14% 17.72% 29.99% 29.74%

22.54% 21.34% 37.52% 36.87%
fund sharpe ratio

-0.48% -0.44% -0.39% -0.38%

-0.57% -0.71% -0.41% -0.43%
last 1 year last 2 year (CAGR*) last 3 year (CAGR*) since inception (CAGR*) date of inception
march, 2008
fund objective
Provide high rate of return in the long term through high exposure to equity investments in Infrastructure and allied sectors, while recognizing that there is a significant probability of negative returns in the short term. The risk appetite is 'high'

security % total 1-yr net beta assets

% total net asset
equity
fund risk profile
low
high
AUTO ANCILLARY BHARAT FORGE LTD EXIDE INDUSTRIES LTD AUTOMOBILES MOTHERSON SUMI SYSTEMS LTD CAP GOODS / ENGINEERING LARSEN & TOUBRO LTD BHARAT HEAVY ELECTRICALS LTD CROMPTON GREAVES LTD VOLTAS LTD IRB INFRASTRUCTURE DEVELOPERS LTD GREAVES COTTON LTD CEMENT & CEMENT PRODUCTS GRASIM INDUSTRIES LTD CONSTRUCTION JAIPRAKASH ASSOCIATES LTD ASHOKA BUILDCON LTD CONSUMER GOODS SINTEX INDUSTRIES LTD GAS GAIL (INDIA LTD IT WIPRO LTD INFOSYS TECHNOLOGIES LTD METALS TATA STEEL LTD INDIAN METALS AND FERRO ALLOYS LTD JINDAL STEEL AND POWER LTD OIL REFINERIES RELIANCE INDUSTRIES LTD POWER NTPC LTD POWER GRID CORPORATION OF INDIA LTD AREVA T & D INDIA LTD TATA POWER LTD ORIENT GREEN POWER CO LTD TELECOM BHARTI AIRTEL LTD
4.49 3.35 1.14 0.98 0.98 23.19 8.91 7.61 3.24 1.85 0.89 0.69 3.39 3.39 7.88 5.86 2.02 1.39 1.39 3.71 3.71 4.69 2.44 2.25 9.93 3.68 3.16 3.09 2.83 2.83 22.35 7.39 4.92 4.15 4.12 1.77 8.83 8.83
1.02 0.57 0.43 1.14 0.84 0.64 0.88 1.12 0.49 0.61 1.77 0.46
6.34%
equity
93.66%

0.99 0.60 0.83 0.82 1.23 0.71 0.99 0.95 0.68 0.49 0.62 0.55 0.88 0.77
Fund Beta
0.86
growth of initial investment of Rs. 10,000 in TIPS-I
93.66 6.34 100.00
11,000 10,000 9,000 8,000 7,000 6,000 5,000
10,000 8,059
inception 19-Mar-08
31-May-11

Equity: 100%
CNX Infrastructure Index: 100%
Energy Fund
0.17% 1.83% 2.29% 1.74%
benchmark return
-4.39% -2.27% 0.84% 0.74%

15.89% 14.20% 26.91% 27.18%

21.06% 18.82% 30.84% 31.12%
fund sharpe ratio

-0.30% -0.22% -0.10% -0.12%

-0.45% -0.39% -0.13% -0.14%
march, 2008
fund objective
Provide high rate of return in the long term through high exposure to equity investments in Energy and allied sectors, while recognizing that there is a significant probability of negative returns in the short term. The risk appetite is 'high'


total money market instruments % total net asset 7.42%
equity
fund risk profile
low
high
AUTO ANCILLARY EXIDE INDUSTRIES LTD BANKING & FINANCE POWER FINANCE CORPORATION LTD CAP GOODS / ENGINEERING LARSEN & TOUBRO LTD CUMMINS INDIA LTD BHARAT HEAVY ELECTRICALS LTD CROMPTON GREAVES LTD GAS GAIL (INDIA LTD PETRONET LNG LTD METALS JINDAL STEEL AND POWER LTD OIL EXPLORATION CAIRN INDIA LTD OIL & NATURAL GAS CORPORATION LTD OIL REFINERIES RELIANCE INDUSTRIES LTD OIL INDIA LTD INDIAN OIL CORPORATION LTD POWER POWER GRID CORPORATION OF INDIA LTD NTPC LTD ORIENT GREEN POWER CO LTD TATA POWER LTD
2.91 2.91 0.96 0.96 15.25 5.22 4.01 3.31 2.71 11.25 8.29 2.96 3.27 3.27 17.35 8.88 8.47 22.06 8.66 7.96 5.44 19.53 8.64 8.29 1.83 0.77
0.57 0.86 1.14 0.44 0.84 0.64 0.60 0.90 0.99 0.63 0.71
equity
92.58%

0.95 0.36 0.65 0.49 0.68 0.88 0.55
Fund Beta
0.69
92.58 7.42 100.00 growth of initial investment of Rs. 10,000 in TIPS-I
11,000 10,000 9,000 8,000 7,000 6,000 5,000
10,000
10,347
inception 19-Mar-08
31-May-11

Equity: 100%
CNX Energy Index: 100%
Mid Cap Fund

-1.09% 13.47% -0.18% 2.00%
benchmark return
-5.48% 11.08% -1.10% 1.79%

18.19% 18.00% 34.52% 34.32%

21.37% 20.38% 44.62% 44.34%
fund sharpe ratio

-0.34% 0.47% -0.15% -0.09%

-0.49% 0.30% -0.14% -0.07%
march, 2008
fund objective
Provide high rate of return in the long term through high exposure to equity investments in Midcap companies while recognizing that there is significant probability of negative returns in the short term. The risk appetite is 'high'


% total net asset
equity
AUTO ANCILLARY EXIDE INDUSTRIES LTD BHARAT FORGE LTD AUTOMOBILES TATA MOTORS LTD DVR SHARES BANKING & FINANCE ANDHRA BANK LTD INDUSIND BANK LTD SHRIRAM TRANSPORT FINANCE COMPANY LTD BANK OF BARODA CAP GOODS / ENGINEERING CUMMINS INDIA LTD GREAVES COTTON LTD VOLTAS LTD IRB INFRASTRUCTURE DEVELOPERS LTD CEMENT & CEMENT PRODUCTS ULTRATECH CEMENT LTD CONSTRUCTION JAIPRAKASH ASSOCIATES LTD CONSUMER GOODS SINTEX INDUSTRIES LTD BALLARPUR INDUSTRIES LTD FERTILIZERS GUJARAT STATE FERTILIZERS & CHEMICALS LTD TATA CHEMICALS LTD FMCG TATA GLOBAL BEVERAGES LTD UNITED SPIRITS LTD GAS PETRONET LNG LTD MEDIA HT MEDIA LTD METALS JINDAL SAW LTD JSW STEEL LTD INDIAN METALS AND FERRO ALLOYS LTD JINDAL STEEL AND POWER LTD TATA STEEL LTD PHARMACEUTICALS DIVIS LABORATORIES LTD LUPIN LTD STRIDES ARCOLABS LTD AVENTIS PHARMA LTD AUROBINDO PHARMA LTD POWER AREVA T & D INDIA LTD RETAIL PANTALOON RETAIL INDIA LTD 7.79 4.95 2.84 1.99 1.99 7.37 3.49 1.44 1.37 1.07 11.46 4.73 2.58 2.47 1.68 2.29 2.29 1.42 1.42 5.48 4.03 1.45 5.12 2.89 2.23 4.50 2.50 2.00 3.18 3.18 2.98 2.98 12.60 3.70 3.26 3.04 1.36 1.24 21.82 5.43 5.28 4.16 4.09 2.86 3.57 3.57 0.88 0.88 92.45 0.57 1.02 1.33 0.91 1.16 0.63 0.76 0.44 0.49 0.88 1.12 0.57 1.77 0.99 0.82 0.54 0.82 0.87 1.06
fund risk profile
7.55%
low
high
equity
92.45%

Fund Beta 0.80

0.90 0.41 0.91 1.54 0.71 0.99 1.23 0.52 0.67 1.05 0.15 1.06 0.62 1.34
12,000 11,000 10,000 9,000 8,000 7,000 6,000 5,000 inception 19-Mar-08 10,000
10,865
31-May-11
7.55 100.00

Equity: 100%
Nifty Midcap 50: 100%
Super Growth Fund

8.69% 12.86% 6.18% 5.98% 5.98%
benchmark return
8.76% 10.71% 5.85% 7.64% 7.64%

14.11% 13.06% 22.52% 23.30% 23.30%

16.57% 15.76% 26.08% 25.87% 25.87%
fund sharpe ratio

0.26% 0.60% 0.05% 0.04% 0.04%

0.23% 0.36% 0.03% 0.10% 0.10%
last 1 year last 2 year (CAGR*) last 3 year (CAGR*) last 4 year (CAGR*) since inception (CAGR*)
fund objective
Provide high rate of return in the long term through high exposure to equity investments, while recognizing that there is significant probability of negative returns in the short term, which will be moderated through some exposure to debt. The risk appetite is high
date of inception
may, 2007

security % total net assets
2.66 1.83 1.65 1.45 1.42 1.42 1.42 0.72 0.70 0.44 0.30 0.27 0.23 0.09 0.07 0.06 0.38

rating/ 1-yr beta
A1+ AAA AAA LAA+ AAA AAA AAA AAA AAA AA+ AAA AA P1+ AAA AAA AAA AAA
% total net asset gilts total money market instruments bond / cd 1.17%
fund risk profile
bond/cd
RELIANCE CAPITAL LTD CP 25/05/2012 8.88% LIC HOUSING FINANCE NCD 13/10/2020 11.95% HDFC LTD NCD 26/11/2018 8.40% ADITYA BIRLA NUVO LTD NCD 23/11/2012 8.95% HDFC LTD NCD 19/10/2020 8.98% HDFC LTD NCD 26/11/2020 8.99% TATA SONS LTD NCD 07/06/2020 8.90% POWER GRID CORP LTD NCD STRPP D 25/2/17 9.05% SBI PERPETUAL NCD CALL/STEP-UP 27/01/2020 9.7% UNITED PHOS LTD 9/4/17 CALL STEP 9/4/15 11.35% RECL LTD NCD 24/10/2013 P/C 24/10/2011 9.25% IDBI BANK LTD PERP NCD CALL/STEP-UP 29/01/20 UNION BANK OF INDIA CD 28/11/2011 10% NABARD NCD SR IX 14/05/2012 9.25% POWER GRID CORPORATION NCD 09/02/2013 9.50% SBI NCD 04/11/25 CALL/STEP-UP 05/11/2020 8.64% POWER GRID CORPN LTD NCD 08/07/2014 - 2025
9.48%
low
high
15.11%
total bond/cd gilts

8.47% NAGALAND SDL (MD 25/03/2019) 8.24% GOI (MD 22/04/2018)
15.11 sovereign
0.59 0.58 sovereign sovereign
equity
74.24%
total gilts equity

AUTO ANCILLARY EXIDE INDUSTRIES LTD BHARAT FORGE LTD AUTOMOBILES BAJAJ AUTO LTD NEW MAHINDRA & MAHINDRA LTD MARUTI SUZUKI INDIA LTD TATA MOTORS LTD DVR SHARES BANKING & FINANCE ICICI BANK LTD HDFC BANK LTD AXIS BANK LTD STATE BANK OF INDIA POWER FINANCE CORPORATION LTD HOUSING DEVELOPMENT FINANCE CORPORATION LTD BANK OF BARODA SHRIRAM TRANSPORT FINANCE COMPANY LTD CAP GOODS / ENGINEERING LARSEN & TOUBRO LTD CUMMINS INDIA LTD BHARAT HEAVY ELECTRICALS LTD VOLTAS LTD CROMPTON GREAVES LTD CEMENT & CEMENT PRODUCTS ULTRATECH CEMENT LTD CONSTRUCTION JAIPRAKASH ASSOCIATES LTD CONSUMER GOODS SINTEX INDUSTRIES LTD BALLARPUR INDUSTRIES LTD FMCG ITC LTD UNITED SPIRITS LTD GAS GAIL (INDIA LTD IT INFOSYS TECHNOLOGIES LTD TATA CONSULTANCY SERVICES LTD WIPRO LTD METALS JINDAL STEEL AND POWER LTD STERLITE INDUSTRIES INDIA LTD TATA STEEL LTD HINDALCO INDUSTRIES LTD OIL EXPLORATION OIL & NATURAL GAS CORPORATION LTD CAIRN INDIA LTD OIL REFINERIES RELIANCE INDUSTRIES LTD INDIAN OIL CORPORATION LTD PHARMACEUTICALS DIVIS LABORATORIES LTD RANBAXY LABORATORIES LTD SUN PHARMACEUTICALS INDUSTRIES LTD AVENTIS PHARMA LTD LUPIN LTD STRIDES ARCOLABS LTD CIPLA LTD POWER AREVA T & D INDIA LTD POWER GRID CORPORATION OF INDIA LTD TELECOM BHARTI AIRTEL LTD
1.17
0.75 0.44 0.31 5.53 1.93 1.88 1.38 0.34 18.01 4.32 3.84 2.91 1.71 1.63 1.41 1.32 0.87 6.06 2.70 1.03 0.91 0.75 0.67 0.99 0.99 0.94 0.94 1.18 1.02 0.16 6.20 5.87 0.33 1.16 1.16 9.54 6.15 1.97 1.42 4.67 1.62 1.44 1.35 0.26 2.40 1.58 0.82 7.26 6.18 1.08 4.86 2.50 0.73 0.61 0.53 0.33 0.10 0.06 2.28 1.23 1.05 2.41 2.41

0.57 1.02 0.70 1.18 0.84 1.33 1.47 1.04 1.37 1.19 0.86 1.18 0.76 0.63 1.14 0.44 0.84 0.88 0.64 0.57 1.77 0.99 0.82 0.70 1.06 0.60 0.82 0.91 0.83 0.99 1.31 1.23 1.49 0.71 0.63 0.95 0.65 0.52 0.87 0.65 0.15 0.67 1.05 0.63 0.62 0.49 0.77
M.Duration of debt portfolio: YTM of debt portfolio: %
2.66 years 9.36
growth of initial investment of Rs. 10,000 in AIP
13,000 12,000 11,000 10,000 9,000 8,000 7,000 6,000 5,000
12,057 10,000
inception 28-May-07
31-May-11

Debt: Equity: 20% 80%
CRISIL ST Bond Index: S&P CNX Nifty: 20% 80%
74.24 9.48 100.00
High Growth Fund

8.00% 11.50% 7.29% 7.41% 9.19%
benchmark return
8.05% 9.48% 6.73% 8.17% 9.15%

10.91% 10.04% 17.22% 17.86% 17.55%

12.50% 11.88% 19.67% 19.51% 19.01%
fund sharpe ratio

0.28% 0.65% 0.13% 0.14% 0.24%

0.24% 0.38% 0.09% 0.16% 0.22%
last 1 year last 2 year (CAGR*) last 3 year (CAGR*) last 4 year (CAGR*) since inception (CAGR*) date of inception
fund objective
Provide, in the long-term, returns which are significantly higher than the inflation rate, through high exposure to equity investments, while recognizing that there is some probability of negative returns in the short-term. The risk appetite is moderate to high
march, 2007

security
bond/cd
11.45% RELIANCE IND LTD NCD 25/11/2013 10.70% POWER FIN CORP LTD NCD 15/07/2013 8.40% HDFC LTD NCD 08/12/2014 8.99% TATA SONS LTD NCD 07/06/2020 8% RECL LTD NCD 05/08/2014 8.75% RELIANCE INDUSTRIES LTD NCD 07/05/2020 RELIANCE CAPITAL LTD CP 25/05/2012 9.7% UNITED PHOS LTD 9/4/17 CALL STEP 9/4/15 8.23%TATA CAP LTD NCD(MD29/07/13PUT&RESET27/07/12 CANARA BANK CD 23/11/2011 8.95% INFOTEL BROADBAND SERV LTD NCD 15/09/20 11.45% RELIANCE INDUSTRIES LTD NCD 25/11/2013 9.40% POWER FIN CORP LTD NCD 25/03/2013 9.45% RECL LTD NCD 04/04/2013 9.50% TATA COMMUNICATION LTD NCD 08/06/2014 8.48% LIC HOUSING FINANCE NCD 27/09/2013 8.84% POWER GRID CORPORATION LTD NCD 29/03/16 8.60% POWER FIN CORP LTD NCD 07/08/2014 8.4% TATA CAPITAL LTD NCD 26/11/2012 STATE BANK OF MYSORE CD 14/12/2011 8.98% HDFC LTD NCD 26/11/2020 8.68% NAT CAP REG PLAN NCD 18/8/19P/C18/08/16 8.90% SAIL 01/05/2019 CALL 010514 8.88% LIC HOUSING FINANCE NCD 13/10/2020 9.05% SBI PERPETUAL NCD CALL/STEP-UP 27/01/2020 8.79% IRFC NCD 04/05/2030 ANDHRA BANK CD 17/11/2011 11.35% RECL LTD NCD 24/10/2013 P/C 24/10/2011 8.40% ADITYA BIRLA NUVO LTD NCD 23/11/2012 9.15% NAT CAP REG PLAN NCD (MD18/02/2019P/C180216 8.90% POWER GRID CORP LTD NCD STRPP A 25/2/14 7.60% ICICI BANK LTD NCD 30/12/2015 8.90% POWER GRID CORP LTD NCD STRPP G 25/2/20 9.25% IDBI BANK LTD PERP NCD CALL/STEP-UP 29/01/20 CANARA BANK CD 19/12/2011 UNION BANK OF INDIA CD 28/11/2011 8.64% POWER GRID CORPN LTD NCD 08/07/2014 - 2025 10.90% POWER FIN CORP LTD NCD 11/08/2013 1.81 1.48 1.40 1.40 1.39 1.38 1.31 0.94 0.93 0.87 0.84 0.74 0.73 0.73 0.72 0.71 0.71 0.71 0.71 0.70 0.70 0.70 0.70 0.69 0.69 0.68 0.56 0.46 0.43 0.43 0.36 0.35 0.35 0.27 0.14 0.14 0.77 0.07 AAA AAA AAA AAA AAA AAA A1+ AA+ AA+ P1+ AAA AAA AAA AAA AAA AAA AAA AAA LAA+ A1+ AAA AAA AAA AAA AAA AAA PR1+ AAA LAA+ AAA AAA AAA AAA AA P1+ P1+ AAA AAA
% total rating/ net assets 1-yr beta

fund risk profile
14.98%
low
high
34.33%
equity
43.93%
total bond/cd gilts

8.26% 8.30% 6.72% 8.47% GOI (MD 02/08/2027) GOI (MD 02/07/2040) GOI 2014 (MD 24/02/2014) JHARKHAND SDL (MD 25/03/2019)
28.70 sovereign
1.42 0.70 0.14 0.14 sovereign sovereign sovereign Sovereign

M.Duration of debt portfolio: YTM of debt portfolio: Beta of equity portfolio: 2.5 years 9.38% 0.93
total gilts equity

AUTO ANCILLARY EXIDE INDUSTRIES LTD BHARAT FORGE LTD AUTOMOBILES MAHINDRA & MAHINDRA LTD BAJAJ AUTO LTD NEW MARUTI SUZUKI INDIA LTD TATA MOTORS LTD DVR SHARES BANKING & FINANCE ICICI BANK LTD HDFC BANK LTD AXIS BANK LTD STATE BANK OF INDIA POWER FINANCE CORPORATION LTD HOUSING DEVELOPMENT FINANCE CORPORATION LTD BANK OF BARODA SHRIRAM TRANSPORT FINANCE COMPANY LTD CAP GOODS / ENGINEERING LARSEN & TOUBRO LTD CUMMINS INDIA LTD BHARAT HEAVY ELECTRICALS LTD VOLTAS LTD CROMPTON GREAVES LTD CEMENT & CEMENT PRODUCTS ULTRATECH CEMENT LTD CONSTRUCTION JAIPRAKASH ASSOCIATES LTD CONSUMER GOODS SINTEX INDUSTRIES LTD BALLARPUR INDUSTRIES LTD FMCG ITC LTD UNITED SPIRITS LTD GAS GAIL (INDIA LTD IT INFOSYS TECHNOLOGIES LTD TATA CONSULTANCY SERVICES LTD WIPRO LTD METALS JINDAL STEEL AND POWER LTD STERLITE INDUSTRIES INDIA LTD TATA STEEL LTD HINDALCO INDUSTRIES LTD OIL EXPLORATION OIL & NATURAL GAS CORPORATION LTD CAIRN INDIA LTD OIL REFINERIES RELIANCE INDUSTRIES LTD PHARMACEUTICALS DIVIS LABORATORIES LTD RANBAXY LABORATORIES LTD SUN PHARMACEUTICALS INDUSTRIES LTD AVENTIS PHARMA LTD STRIDES ARCOLABS LTD CIPLA LTD POWER AREVA T & D INDIA LTD POWER GRID CORPORATION OF INDIA LTD TELECOM BHARTI AIRTEL LTD
2.40
0.79 0.56 0.23 4.14 1.53 1.34 1.02 0.25 13.74 3.33 2.80 2.17 1.37 1.23 1.08 1.07 0.69 4.50 1.92 0.79 0.71 0.59 0.49 0.77 0.77 0.74 0.74 0.90 0.78 0.12 4.25 4.21 0.04 0.59 0.59 7.28 4.69 1.54 1.05 3.50 1.27 1.04 1.00 0.19 1.89 1.28 0.61 4.65 4.65 3.31 1.85 0.54 0.41 0.39 0.07 0.05 1.61 0.91 0.70 1.77 1.77
0.57 1.02 1.18 0.70 0.84 1.33 1.47 1.04 1.37 1.19 0.86 1.18 0.76 0.63 1.14 0.44 0.84 0.88 0.64 0.57 1.77 0.99 0.82 0.70 1.06 0.60 0.82 0.91 0.83 0.99 1.31 1.23 1.49 0.71 0.63 0.95 0.52 0.87 0.65 0.15 1.05 0.63 0.62 0.49 0.77
growth of initial investment of Rs.10,000 in MGP
15,000 13,000 11,000 9,000 7,000 5,000 3,000 1,000 inception 01-Mar-07 10,000
13,755
31-May-11

54.43 14.47 100.00
Growth Plus Fund

7.37% 10.56% 7.70% 7.67% 9.02%
benchmark return
7.64% 8.81% 7.01% 8.26% 9.05%

8.85% 8.24% 14.54% 14.97% 14.69%

10.46% 9.95% 16.47% 16.34% 15.92%
fund sharpe ratio

0.27% 0.67% 0.19% 0.18% 0.27%

0.25% 0.38% 0.12% 0.20% 0.25%
last 1 year last 2 year (CAGR*) last 3 year (CAGR*) last 4 year (CAGR*) since inception (CAGR*) date of inception
march, 2007
fund objective
Provide, in the long-term, returns which are significantly higher than the inflation rate, through high exposure to equity investments, while recognizing that there is some probability of negative returns in the short-term. The risk appetite is moderate to high.

security % total net assets
3.88 3.11 2.50 2.36 2.18 2.12 2.02 1.97 1.93 1.92 1.80 1.77 1.49 1.06 1.02 0.98 0.81 0.80 0.38 0.15 0.08 34.33
rating/ 1-yr beta
bond/cd
HDFC BANK LTD CD 18/01/2012 8.8% RECL NCD 25/10/2020 12%TATA CAPITAL LTD NCD 05/03/2014 P/C 050312 STATE BANK OF PATIALA CD 09/12/2011 10.60% IRFC NCD 11/09/2018 HDFC LTD ZCB 30/08/2013 8.23%TATA CAP LTD NCD(MD29/07/13PUT&RESET27/07/12 8.99% TATA SONS LTD NCD 07/06/2020 9.05% SBI PERPETUAL NCD CALL/STEP-UP 27/01/2020 8.79% IRFC NCD 04/05/2030 9.30% HDFC LTD NCD 18/01/2021 8.93% NTPC LTD NCD 19/01/2021 11.45% RELIANCE INDUSTRIES LTD NCD 25/11/2013 11.45% RELIANCE IND LTD NCD 25/11/2013 9.7% UNITED PHOS LTD 9/4/17 CALL STEP 9/4/15 8.90% POWER GRID CORP LTD NCD STRPP F 25/2/19 8.40% ADITYA BIRLA NUVO LTD NCD 23/11/2012 9.07% RECL 28/02/2018 9.25% IDBI BANK LTD PERP NCD CALL/STEP-UP 29/01/20 7.60% ICICI BANK LTD NCD 30/12/2015 10% NABARD NCD SR IX 14/05/2012 PR1+ AAA LAA+ A1+ AAA AAA AA+ AAA AAA AAA AAA AAA AAA AAA AA+ AAA LAA+ AAA AA AAA AAA

% total net asset gilts total money market instruments bond / cd equity 6.76% 14.98% 34.33% 43.93%
fund risk profile
low
high
total bond/cd gilts

8.26% 8.30% 6.72% 8.32% GOI GOI GOI GOI (MD 02/08/2027) (MD 02/07/2040) 2014 (MD 24/02/2014) (MD 02/08/2032)
sovereign
4.77 0.80 0.79 0.40 sovereign sovereign sovereign sovereign
total gilts equity

AUTO ANCILLARY EXIDE INDUSTRIES LTD BHARAT FORGE LTD AUTOMOBILES BAJAJ AUTO LTD NEW MAHINDRA & MAHINDRA LTD MARUTI SUZUKI INDIA LTD TATA MOTORS LTD DVR SHARES BANKING & FINANCE ICICI BANK LTD HDFC BANK LTD AXIS BANK LTD POWER FINANCE CORPORATION LTD STATE BANK OF INDIA HOUSING DEVELOPMENT FINANCE CORPORATION LTD BANK OF BARODA SHRIRAM TRANSPORT FINANCE COMPANY LTD CAP GOODS / ENGINEERING LARSEN & TOUBRO LTD CUMMINS INDIA LTD BHARAT HEAVY ELECTRICALS LTD VOLTAS LTD CROMPTON GREAVES LTD CEMENT & CEMENT PRODUCTS ULTRATECH CEMENT LTD CONSTRUCTION JAIPRAKASH ASSOCIATES LTD CONSUMER GOODS SINTEX INDUSTRIES LTD BALLARPUR INDUSTRIES LTD FMCG ITC LTD UNITED SPIRITS LTD GAS GAIL (INDIA LTD IT INFOSYS TECHNOLOGIES LTD TATA CONSULTANCY SERVICES LTD WIPRO LTD METALS STERLITE INDUSTRIES INDIA LTD JINDAL STEEL AND POWER LTD TATA STEEL LTD HINDALCO INDUSTRIES LTD OIL EXPLORATION OIL & NATURAL GAS CORPORATION LTD CAIRN INDIA LTD OIL REFINERIES RELIANCE INDUSTRIES LTD PHARMACEUTICALS DIVIS LABORATORIES LTD SUN PHARMACEUTICALS INDUSTRIES LTD RANBAXY LABORATORIES LTD AVENTIS PHARMA LTD LUPIN LTD STRIDES ARCOLABS LTD CIPLA LTD POWER AREVA T & D INDIA LTD POWER GRID CORPORATION OF INDIA LTD TELECOM BHARTI AIRTEL LTD
6.76

0.46 0.27 0.19 3.10 1.07 1.06 0.77 0.20 10.57 3.05 1.97 1.83 1.03 0.86 0.72 0.69 0.42 3.64 1.43 0.97 0.44 0.43 0.37 0.52 0.52 0.50 0.50 0.67 0.58 0.09 3.84 3.62 0.22 0.74 0.74 6.06 4.03 1.19 0.84 2.72 0.88 0.86 0.83 0.15 1.37 0.90 0.47 4.28 4.28 2.99 1.50 0.49 0.40 0.32 0.18 0.06 0.04 1.24 0.71 0.53 1.23 1.23 0.57 1.02 0.70 1.18 0.84 1.33 1.47 1.04 1.37 0.86 1.19 1.18 0.76 0.63 1.14 0.44 0.84 0.88 0.64 0.57 1.77 0.99 0.82 0.70 1.06 0.60 0.82 0.91 0.83 1.31 0.99 1.23 1.49 0.71 0.63 0.95 0.52 0.65 0.87 0.15 0.67 1.05 0.63 0.62 0.49 0.77
M.Duration of debt portfolio: YTM of debt portfolio: Beta of equity portfolio:
3.28 years 9.22% 0.93
growth of initial investment of Rs.10,000 in MGP
15,000 13,000 11,000 9,000 7,000 5,000 3,000 1,000
13,674 10,000
inception 01-Mar-07
31-May-11

total equity
43.93 14.98 100.00
total money market instruments total net assets
Growth Fund
5.66% 8.64% 7.21% 7.38% 9.28% 11.46%
benchmark return
7.19% 8.10% 7.18% 8.25% 10.29% 12.07%

7.37% 6.88% 12.04% 12.50% 11.58% 10.90%

8.43% 8.02% 13.28% 13.17% 12.13% 11.27%
fund sharpe ratio

0.09% 0.53% 0.18% 0.19% 0.37% 0.59%

0.26% 0.39% 0.16% 0.25% 0.44% 0.63%
last 1 year last 2 year (CAGR*) last 3 year (CAGR*) last 4 year (CAGR*) last 5 year (CAGR*) since inception (CAGR*) date of inception
fund objective
The investment objective of the fund is to provide investment returns that exceed the rate of inflation in the long-term while maintaining moderate probability of negative returns in the short-term. The risk appetite is defined as moderate.
august, 2004

security % total net assets rating/ 1-yr beta
bond/cd
8.95% LARSEN & TOUBRO LTD NCD 26/05/2020 8.97% TATA SONS LTD NCD 15/07/2020 8.79% IRFC NCD 04/05/2030 2% TATA MOTORS LTD NCD 31/03/2014 8.95% INFOTEL BROADBAND SERV LTD NCD 15/09/20 11.95% HDFC LTD NCD 26/11/2018 HDFC LTD ZCB 30/08/2013 9.70% LIC HOUSING FINANCE LTD NCD 07/04/2013 9.40% LIC HOUSING FINANCE 08/12/2012 9.7% UNITED PHOS LTD 9/4/17 CALL STEP 9/4/15 9.25% HDFC LTD. NCD 24/11/2016 8.4% TATA CAPITAL LTD NCD 26/11/2012 9.30% HDFC LTD NCD 18/01/2021 10.35% HDFC LTD NCD 16/05/2017 8.99% TATA SONS LTD NCD 07/06/2020 9.00% LIC HOUSING FINANCE 23/11/2020 8.93% NTPC LTD NCD 19/01/2021 9.05% CANARA BANK PERP NCD CALL/STEP-UP 03/08/2020 8.20% IRFC NCD 27/04/2016 9.05% POWER FIN CORP LTD NCD 15/12/2030 9.05% SBI PERPETUAL NCD CALL/STEP-UP 27/01/2020 8.88% LIC HOUSING FINANCE NCD 13/10/2020 9.3% TATA SONS LTD NCD 24/12/2015 8.90% POWER GRID CORP LTD NCD STRPP E 25/2/18 10.60% IRFC NCD 11/09/2018 9.25% IDBI BANK LTD PERP NCD CALL/STEP-UP 29/01/20 9.50% SBI NCD 04/11/25 CALL/STEP-UP 05/11/20 7.61 4.57 4.46 2.09 1.82 1.77 1.64 1.59 1.58 1.58 1.56 1.56 1.55 1.54 1.53 1.52 1.52 1.51 1.51 1.49 1.49 1.06 0.94 0.46 0.34 0.29 0.13 AAA AAA AAA AAA AAA AAA AAA AAA AAA AA+ AAA LAA+ AAA AAA AAA AAA AAA AAA AAA AAA AAA AAA AAA AAA AAA AA AAA

% total net asset gilts total money market instruments equity 0.01%
fund risk profile
13.73%
low
high
37.55%
total bond/cd gilts

8.35% GOI 2022 (M/D. 14.05.2022)
48.71 sovereign
0.01 sovereign
bond / cd
48.71%
total gilts equity

AUTO ANCILLARY EXIDE INDUSTRIES LTD BHARAT FORGE LTD AUTOMOBILES MAHINDRA & MAHINDRA LTD MARUTI SUZUKI INDIA LTD BAJAJ AUTO LTD NEW TATA MOTORS LTD DVR SHARES BANKING & FINANCE ICICI BANK LTD AXIS BANK LTD HDFC BANK LTD STATE BANK OF INDIA POWER FINANCE CORPORATION LTD BANK OF BARODA SHRIRAM TRANSPORT FINANCE COMPANY LTD HOUSING DEVELOPMENT FINANCE CORPORATION LTD CAP GOODS / ENGINEERING LARSEN & TOUBRO LTD CUMMINS INDIA LTD VOLTAS LTD CROMPTON GREAVES LTD BHARAT HEAVY ELECTRICALS LTD CEMENT & CEMENT PRODUCTS ULTRATECH CEMENT LTD CONSTRUCTION JAIPRAKASH ASSOCIATES LTD CONSUMER GOODS BALLARPUR INDUSTRIES LTD FERTILIZERS GUJARAT STATE FERTILIZERS & CHEMICALS LTD FMCG ITC LTD UNITED SPIRITS LTD GAS GAIL (INDIA LTD IT INFOSYS TECHNOLOGIES LTD TATA CONSULTANCY SERVICES LTD WIPRO LTD METALS STERLITE INDUSTRIES INDIA LTD JINDAL STEEL AND POWER LTD TATA STEEL LTD HINDALCO INDUSTRIES LTD OIL EXPLORATION OIL & NATURAL GAS CORPORATION LTD CAIRN INDIA LTD OIL REFINERIES RELIANCE INDUSTRIES LTD PHARMACEUTICALS DIVIS LABORATORIES LTD LUPIN LTD SUN PHARMACEUTICALS INDUSTRIES LTD RANBAXY LABORATORIES LTD AVENTIS PHARMA LTD STRIDES ARCOLABS LTD CIPLA LTD POWER AREVA T & D INDIA LTD POWER GRID CORPORATION OF INDIA LTD TELECOM BHARTI AIRTEL LTD
0.01
0.39 0.23 0.16 2.58 0.90 0.80 0.71 0.17 9.33 2.57 1.61 1.40 0.91 0.85 0.80 0.66 0.53 3.07 1.30 0.72 0.44 0.34 0.27 0.56 0.56 0.35 0.35 0.08 0.08 0.45 0.45 2.80 2.67 0.13 0.57 0.57 5.15 3.35 1.09 0.71 2.51 0.84 0.82 0.72 0.13 1.20 0.79 0.41 3.24 3.24 2.78 1.25 0.41 0.39 0.36 0.29 0.05 0.03 1.08 0.62 0.46 1.41 1.41

0.57 1.02 1.18 0.84 0.70 1.33 1.47 1.37 1.04 1.19 0.86 0.76 0.63 1.18 1.14 0.44 0.88 0.64 0.84 0.57 1.77 0.82 0.54 0.70 1.06 0.60 0.82 0.91 0.83 1.31 0.99 1.23 1.49 0.71 0.63 0.95 0.52 0.67 0.65 0.87 0.15 1.05 0.63 0.62 0.49 0.77
M.Duration of debt portfolio: YTM of debt portfolio: Beta of equity portfolio:
4.16 years 9.41% 0.91
growth of initial investment of Rs.10,000 in MRP
21,000 19,000 17,000 15,000 13,000 11,000 9,000 7,000 5,000
18,838
10,000
inception 09-Aug-04
31-May-11
total equity
37.55 13.73 100.00

total money market instruments total net assets
Balanced Fund
5.13% 7.29% 7.93% 8.18% 8.89% 10.23%
benchmark return
6.17% 6.60% 7.18% 7.90% 8.78% 9.27%

4.19% 3.89% 6.81% 6.94% 6.43% 5.63%

4.38% 4.17% 6.98% 6..92% 6.39% 5.68%
fund sharpe ratio

0.03% 0.59% 0.43% 0.46% 0.60% 0.93%

0.27% 0.38% 0.31% 0.42% 0.59% 0.75%
last 1 year last 2 year (CAGR*) last 3 year (CAGR*) last 4 year (CAGR*) last 5 year (CAGR*) since inception (CAGR*) date of inception
february, 2003
fund objective
The investment objective of the fund is to provide investment returns that exceed the rate of inflation in the long -term while maintaining a low probability of negative returns in the shortterm. The risk appetite is defined as low to moderate.

security
bond/cd
11.35% RECL LTD NCD 24/10/2013 P/C 24/10/2011 8% RECL LTD NCD 05/08/2014 10.35% HDFC LTD SR E006 NCD 06/06/2017 10.60% IRFC NCD 11/09/2018 10% NABARD NCD SR IX 14/05/2012 9.50% SBI NCD 04/11/25 CALL/STEP-UP 05/11/20 9.33% POWER GRID CORP LTD NCD 15/12/2013 8.90% POWER GRID CORP LTD NCD STRPP H 25/2/21 11.45% RELIANCE IND LTD NCD 25/11/2013 8.40% L & T FINANCE LTD NCD 08/03/2013 11.10% POWER FIN CORP LTD NCD 15/09/2013. 11.15% HDFC LTD NCD 06/08/2018 9.05% SBI PERPETUAL NCD CALL/STEP-UP 27/01/2020 8.23%TATA CAP LTD NCD(MD29/07/13PUT&RESET27/07/12 9.34% STATE BANK OF TRAVAN NCD PERP CALL 31/10/16 8.2% NATIONAL HSG BANK NCD 30/08/13 7.60% HDFC LTD NCD 08/12/2017 9.25% IDBI BANK LTD PERP NCD CALL/STEP-UP 29/01/20 9.30% POWER FIN CORP LTD NCD 12/03/2013 8.60% POWER FIN CORP LTD NCD 07/08/2024 8.79% IRFC NCD 04/05/2030 9.05% POWER FIN CORP LTD NCD 15/12/2030 8.88% LIC HOUSING FINANCE NCD 13/10/2020 9.00% LIC HOUSING FINANCE 23/11/2020 8.68% NAT CAP REG PLAN NCD 18/8/19P/C18/08/16 8.48% LIC HOUSING FINANCE NCD 27/09/2013 8.90% SAIL 01/05/2019 CALL 010514 8.40% ADITYA BIRLA NUVO LTD NCD 23/11/2012 8.4% TATA CAPITAL LTD NCD 26/11/2012 10.05% NABARD 11/06/2014 10.20% SUNDRAM FINANCE LTD NCD 29/05/2013 9.50% TATA COMMUNICATION LTD NCD 08/06/2014 9.35% LIC HO FI LTD NCD 23/11/2014 P/C 231112 8.40% HDFC LTD NCD 08/12/2014 9.3% TATA SONS LTD NCD 24/12/2015 9.40% LIC HOUSING FINANCE 08/12/2012 11.25% POWER FIN CORP LTD NCD 28/11/2018 8.42% SHREE CEMENT LTD NCD 22/07/2015 9.95% IL&FS LTD NCD 14/02/2016 8.75% RELIANCE INDUSTRIES LTD NCD 07/05/2020 8.8% RECL NCD 25/10/2020 8.70% BAJAJ AUTO FINANCE LTD NCD 22/07/2015 11.40% POWER FIN CORP LTD NCD 28/11/2013 HDFC LTD ZCB 30/08/2013 RELIANCE CAPITAL LTD CP 25/05/2012 8.95% INFOTEL BROADBAND SERV LTD NCD 15/09/20 8.99% TATA SONS LTD NCD 07/06/2020 8.93% NTPC LTD NCD 19/01/2021 9.30% HDFC LTD NCD 18/01/2021 9.7% UNITED PHOS LTD 9/4/17 CALL STEP 9/4/15 11.45% RELIANCE INDUSTRIES LTD NCD 25/11/2013 8.95% LARSEN & TOUBRO LTD NCD 26/05/2020 8.97% TATA SONS LTD NCD 15/07/2020 0.05 0.07 0.12 0.12 0.12 0.13 0.23 0.31 0.31 0.32 0.34 0.40 0.40 0.41 0.44 0.48 0.55 0.56 0.56 0.56 0.57 0.57 0.58 0.58 0.58 0.59 0.59 0.60 0.60 0.61 0.61 0.62 0.74 0.85 1.06 1.23 1.34 1.40 1.50 1.62 1.75 1.80 1.91 1.91 2.10 2.37 2.38 2.48 2.53 2.58 2.69 2.96 3.54 AAA AAA AAA AAA AAA AAA AAA AAA AAA AA+ AAA AAA AAA AA+ AAA AAA AAA AA AAA AAA AAA AAA AAA AAA AAA AAA AAA LAA+ LAA+ AAA AA+ AAA AAA AAA AAA AAA AAA AA+ AAA AAA AAA LAA+ AAA AAA A1+ AAA AAA AAA AAA AA+ AAA AAA AAA
% total rating/ net 1-yr assets beta

% total net asset gilts 8.23%
fund risk profile
equity total money market instruments bond / cd
low
high
17.97%
19.48%
54.32%

M.Duration of debt portfolio: YTM of debt portfolio: Fund Beta: 3.73 years 9.55% 0.91
total bond/cd gilts

6.72% 8.26% 8.24% 8.30% GOI GOI GOI GOI 2014 24/02/2014 02/08/2027 22/04/2018 02/07/2040
54.32
0.24 5.99 0.21 1.79
sovereign
sovereign sovereign sovereign sovereign
total gilts equity
8.23
0.22 0.14 0.08 1.22 0.42 0.37 0.35 0.08 4.43 1.24 0.77 0.69 0.43 0.42 0.36 0.28 0.24 1.44 0.70 0.45 0.17 0.12 0.26 0.26 0.15 0.15 0.10 0.10 0.38 0.38 1.22 1.22 0.26 0.26 2.53 1.65 0.53 0.35 1.16 0.40 0.36 0.34 0.06 0.57 0.37 0.20 1.50 1.50 1.39 0.61 0.25 0.18 0.17 0.13 0.03 0.02 0.47 0.47 0.67 0.67 0.57 1.02 1.18 0.84 0.70 1.33 1.47 1.37 1.04 1.19 0.86 0.76 0.63 1.18 1.14 0.44 0.64 0.84 0.57 1.77 0.99 0.54 0.70 0.60 0.82 0.91 0.83 1.31 0.99 1.23 1.49 0.71 0.63 0.95 0.52 0.65 0.87 0.67 0.15 1.05 0.63 0.62 0.77

Debt.: Equity: 80% 20%
AUTO ANCILLARY EXIDE INDUSTRIES LTD BHARAT FORGE LTD AUTOMOBILES MAHINDRA & MAHINDRA LTD MARUTI SUZUKI INDIA LTD BAJAJ AUTO LTD NEW TATA MOTORS LTD DVR SHARES BANKING & FINANCE ICICI BANK LTD AXIS BANK LTD HDFC BANK LTD STATE BANK OF INDIA POWER FINANCE CORPORATION LTD BANK OF BARODA SHRIRAM TRANSPORT FINANCE COMPANY LTD HOUSING DEVELOPMENT FINANCE CORPORATION LTD CAP GOODS / ENGINEERING LARSEN & TOUBRO LTD CUMMINS INDIA LTD CROMPTON GREAVES LTD BHARAT HEAVY ELECTRICALS LTD CEMENT & CEMENT PRODUCTS ULTRATECH CEMENT LTD CONSTRUCTION JAIPRAKASH ASSOCIATES LTD CONSUMER GOODS SINTEX INDUSTRIES LTD FERTILIZERS GUJARAT STATE FERTILIZERS & CHEMICALS LTD FMCG ITC LTD GAS GAIL (INDIA LTD IT INFOSYS TECHNOLOGIES LTD TATA CONSULTANCY SERVICES LTD WIPRO LTD METALS STERLITE INDUSTRIES INDIA LTD JINDAL STEEL AND POWER LTD TATA STEEL LTD HINDALCO INDUSTRIES LTD OIL EXPLORATION OIL & NATURAL GAS CORPORATION LTD CAIRN INDIA LTD OIL REFINERIES RELIANCE INDUSTRIES LTD PHARMACEUTICALS DIVIS LABORATORIES LTD SUN PHARMACEUTICALS INDUSTRIES LTD RANBAXY LABORATORIES LTD LUPIN LTD AVENTIS PHARMA LTD STRIDES ARCOLABS LTD CIPLA LTD POWER AREVA T & D INDIA LTD TELECOM BHARTI AIRTEL LTD
19,000 17,000 15,000 13,000 11,000 9,000 7,000 5,000
17,039
10,000
inception 9-Aug-2004
31-May-11
17.97 19.48 100.00
Corporate Bond Fund

5.09% 7.26% 8.93% 9.17% 9.23%
benchmark return
4.09% 4.42% 5.85% 6.31% 6.33%

1.25% 1.79% 3.54% 3.24% 3.24%

0.97% 1.47% 4.20% 3.84% 3.84%
fund sharpe ratio

0.07% 1.26% 1.11% 1.29% 1.31%

-0.94% -0.40% 0.20% 0.34% 0.35%
fund objective
Provide returns that exceed the inflation rate, while taking some credit risk (through investments in corporate debt instruments) and maintaining a moderate probability of negative return in the short-term. The risk appetite is low to moderate.
date of inception
may, 2007

security % total rating/ net 1-yr assets beta
bond/cd
8.75% RELIANCE INDUSTRIES LTD NCD 07/05/2020 RELIANCE CAPITAL LTD CP 25/05/2012 2% INDIAN HOTELS COMPANY LTD NCD 09/12/2014 8.40% ADITYA BIRLA NUVO LTD NCD 23/11/2012 8.40% L & T FINANCE LTD NCD 08/03/2013 9.30% HDFC LTD NCD 18/01/2021 8.95% INFOTEL BROADBAND SERV LTD NCD 15/09/20 11.10% POWER FIN CORP LTD NCD 15/09/2013. 8.93% NTPC LTD NCD 19/01/2021 8.23% SUNDARAM FINANCE LTD NCD 27/07/2012 12%TATA CAPITAL LTD NCD 05/03/2014 P/C 050312 NOVA IV TRUST SR J LOC ITSL PTC 18/10/2013 9.60% HDFC LTD NCD 07/04/2016 9.95% IL&FS LTD NCD 14/02/2016 9.50% HDFC LTD NCD 27/02/2013 9.40% LIC HOUSING FINANCE 08/12/2012 9.70% LIC HOUSING FINANCE LTD NCD 07/04/2013 9.3% TATA SONS LTD NCD 24/12/2015 2% TATA MOTORS LTD NCD 31/03/2014 9.18% TATA SONS LTD NCD 23/11/2020 8.68% NAT CAP REG PLAN NCD 18/8/19P/C18/08/16 8.90% SAIL 01/05/2019 CALL 010514 8.99% TATA SONS LTD NCD 07/06/2020 8.64% POWER GRID CORPN LTD NCD 08/07/2023 7.60% HDFC LTD NCD 08/12/2017 9.7% UNITED PHOS LTD 9/4/17 CALL STEP 9/4/15 8.2% NATIONAL HSG BANK NCD 30/08/13 9.33% POWER GRID CORP LTD NCD 15/12/2013 11.45% RELIANCE INDUSTRIES LTD NCD 25/11/2013 8.90% POWER GRID CORP LTD NCD STRPP C 25/2/16 9.32% HDFC LTD NCD 17/12/2012 9.35% LIC HO FI LTD NCD 23/11/2014 P/C 231112 8.8% RECL NCD 25/10/2020 8.97% TATA SONS LTD NCD 15/07/2020 9.47% POWER GRID CORPORATION NCD 31/03/2013 11.30% ACC LTD NCD 10/12/2013 9.30% POWER FIN CORP LTD NCD 12/03/2013 10.48% ULTRATECH CEMENTS LTD NCD 16/12/2013 9.50% SBI NCD 04/11/25 CALL/STEP-UP 05/11/20 11.35% RECL LTD NCD 24/10/2013 P/C 24/10/2011 6.55 5.23 3.01 2.71 2.71 2.70 2.65 2.65 2.64 2.47 2.17 1.82 1.45 1.40 1.38 1.38 1.38 1.36 1.36 1.34 1.33 1.33 1.33 1.31 1.26 1.12 0.81 0.81 0.75 0.66 0.54 0.54 0.52 0.52 0.27 0.11 0.11 0.11 0.06 0.04 AAA A1+ LAA+ LAA+ AA+ AAA AAA AAA AAA LAA+ LAA+ AAA AAA AAA AAA AAA AAA AAA AAA AAA AAA AAA AAA AAA AAA AA+ AAA AAA AAA AAA AAA AAA AAA AAA AAA AAA AAA AAA AAA AAA

fund risk profile
low
high
30.16%
61.89%

M.Duration of debt portfolio: YTM of debt portfolio: 2.64 years 9.59%
total bond/cd gilts

8.26% GOI (MD 02/08/2027) 8.30% GOI (MD 02/07/2040) 7.35% GOI (MD 22/06/2024)
61.89
Sovereign 5.37 sovereign 1.33 sovereign 1.25 sovereign 7.95 sovereign
total gilts total money market instruments total net assets
30.16 100.00
14,000 13,000 12,000 11,000 10,000 9,000 8,000 7,000 6,000 5,000
13,532
10,000
inception 28-May-07
31-May-11

Bond Instruments: 100%
CRISIL Composite Bond Index: 100%
Pure Debt Fund

6.70% 8.16% 9.08% 8.96% 8.96%
benchmark return
5.06% 5.24% 5.94% 6.43% 6.43%

1.45% 2.80% 3.29% 2.91% 2.91%

1.02% 2.53% 4.20% 3.83% 3.83%
fund sharpe ratio

1.17% 1.13% 1.24% 1.36% 1.36%

0.06% 0.09% 0.22% 0.37% 0.37%
fund objective
Provide steady investment returns achieved through 100% investment in debt securities, while maintaining moderate probability of negative returns in the short-term. The risk appetite is defined as moderate.
date of inception
april, 2007

security % total rating/ net 1-yr beta assets

% total net asset
bond/cd
2% TATA MOTORS LTD NCD 31/03/2014 2% INDIAN HOTELS COMPANY LTD NCD 09/12/2014 9.70% LIC HOUSING FINANCE LTD NCD 07/04/2013 8.40% L & T FINANCE LTD NCD 08/03/2013 8.40% HDFC LTD NCD 08/12/2014 11.25% POWER FIN CORP LTD NCD 28/11/2018 10.60% IRFC NCD 11/09/2018 9.7% UNITED PHOS LTD 9/4/17 CALL STEP 9/4/15 9.60% HDFC LTD NCD 07/04/2016 9.40% LIC HOUSING FINANCE 08/12/2012 8.98% NAT CAP REG PLAN NCD (MD14/02/18P/C14/02/15 9.30% HDFC LTD NCD 18/01/2021 9.18% TATA SONS LTD NCD 23/11/2020 8.95% INFOTEL BROADBAND SERV LTD NCD 15/09/20 8.93% NTPC LTD NCD 19/01/2021 9.05% POWER FIN CORP LTD NCD 15/12/2030 9.25% IDBI BANK LTD PERP NCD CALL/STEP-UP 29/01/20 RELIANCE CAPITAL LTD CP 25/05/2012 CANARA BANK CD 18/11/2011 9.3% TATA SONS LTD NCD 24/12/2015 8.97% TATA SONS LTD NCD 15/07/2020 8.90% POWER GRID CORP LTD NCD STRPP B 25/2/15 12%TATA CAPITAL LTD NCD 05/03/2014 P/C 050312 10% NABARD NCD SR IX 14/05/2012 ANDHRA BANK CD 17/11/2011 INDIAN BANK CD 20/12/2011 INDIAN OVERSEAS BANK CD 22/12/2011 11.45% RELIANCE INDUSTRIES LTD NCD 25/11/2013 4.71 4.66 4.28 4.20 4.11 3.24 2.72 2.34 2.14 2.13 2.11 2.09 2.08 2.05 2.05 2.01 1.97 1.92 1.85 1.35 1.23 1.04 0.87 0.43 0.41 0.41 0.41 0.18 AAA LAA+ AAA AA+ AAA AAA AAA AA+ AAA AAA AAA AAA AAA AAA AAA AAA AA A1+ P1+ AAA AAA AAA LAA+ AAA PR1+ F1+ A1+ AAA
fund risk profile
gilts total money market instruments
15.87%
25.14%
low
high
bond / cd
58.99%

total bond/cd gilts

8.26% 8.53% 8.32% 8.30% GOI (MD 02/08/2027) TAMILNADU SDL (MD 27/10/2020) GOI (MD 02/08/2032) GOI (MD 02/07/2040)
58.99 sovereign
7.48 4.25 2.08 2.06 sovereign sovereign sovereign sovereign
15.87 25.14 100.00
15,000 13,000 11,000 9,000 7,000 5,000 inception 9-Aug-07 10,000
13,455
31-May-11

Debt Instruments: 100%
Gilt Fund
7.73% 6.21% 6.52% 6.52%
benchmark return
6.34% 5.43% 8.43% 8.71%

1.65% 2.78% 3.33% 3.00%

2.31% 4.25% 10.51% 9.45%
fund sharpe ratio

1.66% 0.43% 0.46% 0.51%

0.58% 0.10% 0.33% 0.39%
may, 2007
fund objective
Provide returns that exceed the inflation rate, without taking any credit risk (sovereign risk only) and maintaining a low probability of negative return in the short- term. The risk appetite is low to moderate.

security % total rating/ net 1-yr beta assets sovereign
GOI GOI GOI GOI GOI GOI GOI GOI 02/08/2027 15/02/2032 02/07/2040 15/02/2027 2017 16.04.2017 UTTAR PRADESH SDL 22/09/2020 2036 07/06/2036 2015 16.10.2015 30.65 10.94 6.48 2.96 2.92 2.58 0.89 0.02 sovereign sovereign sovereign sovereign sovereign sovereign sovereign sovereign

% total net asset total money market instruments
gilts
fund risk profile
low
high
8.26% 8.28% 8.30% 8.24% 7.49% 8.39% 8.33% 9.85%
42.56%
57.44 42.56 100.00
gilt
57.44%

13,000 12,000 11,000 10,000 9,000 8,000 7,000 6,000 5,000
12,112 10,000
inception 28-May-07
31-May-11

Government Securities: 100%
I-Sec Composite Sovereign Bond Index:100%
Guaranteed Bond Fund I

4.94% 7.27% 10.94%
benchmark return
NA NA NA

1.15% 1.88% 3.37%

NA NA NA
fund sharpe ratio

-0.05% 1.21% 1.76%

NA NA NA
last 1 year last 2 year (CAGR*) since inception (CAGR*) date of inception
december, 2008
fund objective
To achieve predictable investment return. This will be achieved through 100% investments in debt securities where returns are locked in through portfolio immunization techniques and use of rigorous Asset Liability Management (ALM). The risk appetite is 'low to moderate'.

security
bond/cd
9.15% NAT CAP REG PLAN NCD 18/02/2019P NOVA IV TRUST SR J LOC ITSL PTC 18/10/2013 2% TATA MOTORS LTD NCD 31/03/2014 10.48% ULTRATECH CEMENTS LTD NCD 16/12/2013 11.45% RELIANCE INDUSTRIES LTD NCD 25/11/2013 9.50% TATA COMMUNICATION LTD NCD 08/06/2014 11.30% ACC LTD NCD 10/12/2013 10.35% HDFC LTD SR E006 NCD 06/06/2017 11.35% RECL LTD NCD 24/10/2013 P/C 24/10/2011 11.25% POWER FIN CORP LTD NCD 28/11/2018 9.07% RECL 28/02/2018 11% POWER FIN CORPOARTION LTD NCD 15/09/2018 11.15% HDFC LTD NCD 06/08/2018 10.60% IRFC NCD 11/09/2018 8.90% POWER GRID CORP LTD NCD STRPP E 25/2/18 8.08 6.84 6.47 5.62 5.61 5.59 5.47 4.97 4.03 3.82 3.43 2.89 2.65 2.50 1.13 AAA AAA AAA AAA AAA AAA AAA AAA AAA AAA AAA AAA AAA AAA AAA

% total net asset total money market instruments
fund risk profile
30.90%
low
high
bond/cd
69.10%
total bond/cd total money market instruments total net assets
69.10 30.90 100.00
fund characteristics as on May 31,

growth of initial investment of Rs.10,000 in GRP-I
13,000 11,000 9,000 7,000 5,000 inception 12-Dec-08 10,000
12,490
31-May-11

Debt Instruments: 100%
Money Market Fund

7.80% 8.01% 8.88% 8.92%
benchmark return
6.21% 4.94% 6.21% 6.29%

0.25% 0.30% 0.46% 0.41%

0.46% 0.62% 0.75% 0.69%
fund sharpe ratio

11.33% 10.02% 8.45% 9.60%

2.60% -0.09% 1.61% 1.88%
last 1 year last 2 year (CAGR*) last 3 year (CAGR*) since inception (CAGR*)
fund objective
date of inception
may, 2007

security % total rating/ net assets 1-yr beta

% total net asset
other money market Instrument total net assets
100.00 100.00
fund risk profile

low low to moderate moderate moderate to high high
100%

YTM of debt portfolio: 9.30%
growth of initial investment of Rs.10,000 in AIP
14,000 12,000 10,000 8,000 6,000 4,000 2,000 inception 28-May-07 10,000
13,459
31-May-11

Money Market Instruments : 100%
CRISIL Liquid Bond Index: 100%
Capital Secure Fund

7.80% 7.47% 8.49% 8.55% 8.38% 7.13%
benchmark return
6.86% 5.47% 6.01% 6.41% 6.59% 5.89%

0.26% 0.29% 0.49% 0.47% 0.46% 0.57%

0.28% 0.44% 0.53% 0.50% 0.46% 0.47%
fund sharpe ratio

10.93% 8.54% 7.14% 7.57% 7.38% 3.75%

6.63% 1.07% 1.93% 2.84% 3.47% 1.88%
last 1 year last 2 year (CAGR*) last 3 year (CAGR*) last 4 year (CAGR*) last 5 year (CAGR*)
fund objective
Maintain the capital value of all contributions (net of charges) and all interest additions, at all times. The risk appetite is extremely low.
since inception (CAGR*) date of inception

february, 2003


% total net asset
100.00 100.00
fund risk profile

100%

growth of initial investment of Rs.10,000 in
17,000 15,000 13,000 11,000 9,000 7,000 5,000 inception 10-Feb-08 10,000
14,966
31-May-11

Yield on 182-day T.Bills : 100%
Equity Plus Fund

8.83% 5.76%
benchmark return
9.32% 4.83%

17.60% 16.14%

20.64% 19.19%
fund sharpe ratio

0.22% 0.05%

0.21% -0.01%
last 1 year since inception (CAGR*) date of inception

january, 2010
fund objective
Provide high real rate of return in the long term through high exposure to equity investments, while recognizing that there is significant probability of negative returns in the short term. The risk appetite is high.

security equity
AUTO ANCILLARY AUTO ANCILLARY EXIDE INDUSTRIES LTD BHARAT FORGE LTD AUTOMOBILES MAHINDRA & MAHINDRA LTD BAJAJ AUTO LTD NEW MARUTI SUZUKI INDIA LTD TATA MOTORS LTD DVR SHARES BANKING & FINANCE ICICI BANK LTD HDFC BANK LTD STATE BANK OF INDIA AXIS BANK LTD HOUSING DEVELOPMENT FINANCE CORPORATION BANK OF BARODA POWER FINANCE CORPORATION LTD SHRIRAM TRANSPORT FINANCE COMPANY LTD INDUSIND BANK LTD CAP GOODS / ENGINEERING LARSEN & TOUBRO LTD BHARAT HEAVY ELECTRICALS LTD CUMMINS INDIA LTD CROMPTON GREAVES LTD CEMENT & CEMENT PRODUCTS ULTRATECH CEMENT LTD GRASIM INDUSTRIES LTD CONSTRUCTION JAIPRAKASH ASSOCIATES LTD NCC LTD CONSUMER GOODS SINTEX INDUSTRIES LTD FMCG ITC LTD HINDUSTAN UNILEVER LTD TATA GLOBAL BEVERAGES LTD IT INFOSYS TECHNOLOGIES LTD TATA CONSULTANCY SERVICES LTD WIPRO LTD MEDIA HT MEDIA LTD METALS TATA STEEL LTD STERLITE INDUSTRIES INDIA LTD JINDAL STEEL AND POWER LTD JINDAL SAW LTD HINDUSTAN ZINC LTD OIL EXPLORATION CAIRN INDIA LTD OIL REFINERIES RELIANCE INDUSTRIES LTD OIL INDIA LTD PHARMACEUTICALS DIVIS LABORATORIES LTD AVENTIS PHARMA LTD SUN PHARMACEUTICALS INDUSTRIES LTD LUPIN LTD STRIDES ARCOLABS LTD AUROBINDO PHARMA LTD POWER NTPC LTD ORIENT GREEN POWER CO LTD AREVA T & D INDIA LTD TELECOM BHARTI AIRTEL LTD 2.05 2.02 1.13 0.89 5.88 2.66 1.60 1.18 0.44 22.89 7.60 4.12 3.44 2.85 1.87 1.41 1.01 0.30 0.29 8.76 4.61 1.99 1.64 0.52 1.58 1.17 0.41 0.85 0.50 0.35 1.16 1.16 6.80 5.67 0.77 0.36 11.22 6.57 3.60 1.05 0.54 0.54 7.25 2.24 1.61 1.50 1.05 0.85 1.03 1.03 8.95 7.88 1.07 8.53 3.56 1.91 0.87 0.75 0.74 0.70 1.73 0.78 0.62 0.33 2.89 2.89
0.57 1.02 1.18 0.70 0.84 1.33 1.47 1.04 1.19 1.37 1.18 0.76 0.86 0.63 1.16 1.14 0.84 0.44 0.64 0.57 0.61 1.77 1.34 0.99 0.70 0.60 0.87 0.82 0.91 0.83 0.41 1.23 1.31 0.99 0.91 1.01 0.63 0.95 0.36 0.52 0.15 0.65 0.67 1.05 1.06 0.68 0.88 0.62 0.77

% total net asset
total money market instruments 7.92%
fund risk profile
low
high
equity
92.08%

Fund Beta 0.94
92.08 7.92 100.00

Equity Plus : 100%
S&P CNX Nifty: 100%
Highest Nav Guarantee Fund

10.06% 8.80%
benchmark return
9.32% 10.25%

13.96% 13.20%

20.64% 18.85%
fund sharpe ratio

0.36% 0.29%

0.21% 0.28%

february, 2010
fund objective
Offer guarantee of maturity value, in an equity oriented fund, at the highest NAV achieved during the period of the guarantee. The risk appetite is moderate to high

security equity % total 1-yr beta net assets

% total net asset
fund risk profile
low
high
AUTOMOBILES TATA MOTORS LTD MAHINDRA & MAHINDRA LTD BAJAJ AUTO LTD MARUTI SUZUKI INDIA LTD HERO HONDA MOTORS LTD BANKING & FINANCE ICICI BANK LTD HOUSING DEVELOPMENT FINANCE CORPORATION HDFC BANK LTD STATE BANK OF INDIA CAP GOODS / ENGINEERING LARSEN & TOUBRO LTD BHARAT HEAVY ELECTRICALS LTD CONSTRUCTION JAIPRAKASH ASSOCIATES LTD FMCG ITC LTD HINDUSTAN UNILEVER LTD IT INFOSYS TECHNOLOGIES LTD TATA CONSULTANCY SERVICES LTD WIPRO LTD METALS TATA STEEL LTD STERLITE INDUSTRIES INDIA LTD HINDALCO INDUSTRIES LTD JINDAL STEEL AND POWER LTD OIL EXPLORATION OIL & NATURAL GAS CORPORATION LTD OIL REFINERIES RELIANCE INDUSTRIES LTD PHARMACEUTICALS CIPLA LTD POWER NTPC LTD TATA POWER LTD TELECOM BHARTI AIRTEL LTD
5.23 3.06 0.89 0.74 0.50 0.48 0.45 9.96 3.72 2.25 2.24 1.75 3.29 2.21 1.08 0.26 0.26 3.43 2.59 0.84 5.20 2.60 1.85 0.75 3.07 0.93 0.76 0.71 0.67 1.37 1.37 3.37 3.37 0.42 0.42 1.30 0.80 0.50 1.05 1.05
1.33 1.18 0.70 0.52 0.84 1.47 1.04 1.18 1.19 1.14 0.84 1.77 0.70 0.60 0.82 0.91 0.83 1.23 1.31 0.99 1.49 0.71 0.95 0.63 0.68 0.55 0.77
64.22%
equity
35.78%

Fund Beta 1.01
growth of initial investment of Rs.10,000 in TIPS-I
35.78 64.22 100.00
12,000 11,000 10,000 9,000 8,000 7,000 6,000 5,000
10,970 10,000
inception 10-Feb-10
31-May-11

Equity : Debt : 0 to 100% 0 to 100%
Sensex: 100%
Highest NAV Advantage Fund-Series I

period gross fund return benchmark return fund standard deviation benchmark standard deviation fund sharpe ratio benchmark sharpe ratio
last 1 year date of inception
fund has not completed a period of one year since inception september, 2010
fund objective
Offer guarantee of maturity value, in an equity oriented fund, at the highest NAV achieved during the period of the guarantee. The risk appetite is moderate to high

security equity
AUTOMOBILES AUTOMOBILES TATA MOTORS LTD MAHINDRA & MAHINDRA LTD BAJAJ AUTO LTD NEW HERO HONDA MOTORS LTD MARUTI SUZUKI INDIA LTD BANKING & FINANCE ICICI BANK LTD HOUSING DEVELOPMENT FINANCE CORPORATION HDFC BANK LTD STATE BANK OF INDIA CAP GOODS / ENGINEERING LARSEN & TOUBRO LTD BHARAT HEAVY ELECTRICALS LTD CONSTRUCTION JAIPRAKASH ASSOCIATES LTD FMCG ITC LTD HINDUSTAN UNILEVER LTD IT INFOSYS TECHNOLOGIES LTD TATA CONSULTANCY SERVICES LTD WIPRO LTD METALS TATA STEEL LTD STERLITE INDUSTRIES INDIA LTD JINDAL STEEL AND POWER LTD HINDALCO INDUSTRIES LTD OIL EXPLORATION OIL & NATURAL GAS CORPORATION LTD OIL REFINERIES RELIANCE INDUSTRIES LTD PHARMACEUTICALS CIPLA LTD POWER NTPC LTD TATA POWER LTD TELECOM BHARTI AIRTEL LTD 9.02 8.59 2.62 2.12 1.34 1.28 1.23 26.05 9.25 6.14 6.08 4.58 8.75 6.14 2.61 0.70 0.70 9.47 7.17 2.30 14.85 8.06 4.82 1.97 8.27 2.60 1.95 1.90 1.82 3.50 3.50 9.48 9.48 1.16 1.16 3.43 2.03 1.40 3.19 3.19
% total 1-yr beta net assets

% total net asset
fund risk profile
1.33 1.18 0.70 0.52 0.84 1.47 1.18 1.04 1.19 1.14 0.84 1.77 0.70 0.60 0.82 0.91 0.83 1.23 1.31 0.99 1.49 0.71 0.95 0.63 0.68 0.55 0.77
2.56%
low
high
equity
97.44%

Fund Beta 1.00
growth of initial investment of Rs.10,000 in TIPS-I
97.44 2.56 100.00
11,000 10,000 9,000 8,000 7,000 6,000 5,000
10,000
9,401
inception 9-Sep-10
31-May-11

Equity : Debt : 0 to 100% 0 to 100%
Sensex: 100%
New Pure Equity Fund

8.54% 2.80%
benchmark return
9.32% 4.14%

16.31% 15.72%

20.64% 19.43%
fund sharpe ratio

0.22% -0.14%

0.21% -0.04%

january, 2010
fund objective


equity
% total net asset

6.36%
fund risk profile
low
high
AUTO ANCILLARY AUTO ANCILLARY EXIDE INDUSTRIES LTD AUTOMOBILES MARUTI SUZUKI INDIA LTD MAHINDRA & MAHINDRA LTD MOTHERSON SUMI SYSTEMS LTD BAJAJ AUTO LTD NEW CAP GOODS / ENGINEERING LARSEN & TOUBRO LTD BHARAT HEAVY ELECTRICALS LTD CUMMINS INDIA LTD CROMPTON GREAVES LTD VOLTAS LTD CEMENT & CEMENT PRODUCTS GRASIM INDUSTRIES LTD ULTRATECH CEMENT LTD FMCG HINDUSTAN UNILEVER LTD GAS GAIL (INDIA LTD IT INFOSYS TECHNOLOGIES LTD WIPRO LTD TATA CONSULTANCY SERVICES LTD METALS JINDAL STEEL AND POWER LTD HINDALCO INDUSTRIES LTD JINDAL SAW LTD OIL EXPLORATION OIL & NATURAL GAS CORPORATION LTD CAIRN INDIA LTD OIL REFINERIES RELIANCE INDUSTRIES LTD PHARMACEUTICALS SUN PHARMACEUTICALS INDUSTRIES AVENTIS PHARMA LTD RANBAXY LABORATORIES LTD LUPIN LTD DIVIS LABORATORIES LTD POWER TATA POWER LTD NTPC LTD AREVA T & D INDIA LTD TELECOM BHARTI AIRTEL LTD
1.07 1.12 1.12 11.19 4.02 2.79 2.22 2.16 12.96 5.21 3.61 2.14 1.47 0.53 2.62 1.72 0.90 2.88 2.88 3.09 3.09 15.16 8.46 3.49 3.21 7.17 2.72 2.47 1.98 5.72 3.55 2.17 8.70 8.70 13.55 3.17 3.11 3.07 2.87 1.33 5.46 2.45 1.73 1.28 4.02 4.02 93.64
0.57 0.84 1.18 0.43 0.70 1.14 0.84 0.44 0.64 0.88 0.61 0.57 0.60 0.60 0.82 0.83 0.91 0.99 1.49 0.91 0.71 0.63 0.95 0.65 0.15 0.87 0.67 0.52 0.55 0.68 0.62 0.77
equity
93.64%

Fund Beta 0.79
growth of initial investment of Rs. 10,000

15,000 13,000 11,000 9,000 7,000 5,000 3,000 1,000 10,000 10,206
inception 11-Jan-10
31-May-11
6.36 100.00

Pure Equity: 100%
(*Investments only in sectors other than banks and non-banking financial companies, breweries, distilleries, alcohol based chemicals, cigarettes, tobacco, entertainment, leather, sugar and hatcheries.)
S&P CNX Nifty: 100%
New Infrastructure Fund

-3.68% -10.62%
benchmark return
-7.89% -14.33%

17.89% 18.56%

22.54% 21.42%
fund sharpe ratio

-0.49% -0.84%

-0.57% -0.90%

january, 2010
fund objective
Provide high rate of return in the long term through high exposure to equity investments in Infrastructure and allied sectors, while recognizing that there is a significant probability of negative returns in the short term. The risk appetite is 'high'


% total net asset
equity
fund risk profile
low
high
AUTO ANCILLARY AUTO ANCILLARY BHARAT FORGE LTD EXIDE INDUSTRIES LTD AUTOMOBILES MOTHERSON SUMI SYSTEMS LTD CAP GOODS / ENGINEERING LARSEN & TOUBRO LTD BHARAT HEAVY ELECTRICALS LTD CROMPTON GREAVES LTD VOLTAS LTD IRB INFRASTRUCTURE DEVELOPERS LTD GREAVES COTTON LTD CEMENT & CEMENT PRODUCTS GRASIM INDUSTRIES LTD CONSTRUCTION JAIPRAKASH ASSOCIATES LTD ASHOKA BUILDCON LTD CONSUMER GOODS SINTEX INDUSTRIES LTD GAS GAIL (INDIA LTD IT INFOSYS TECHNOLOGIES LTD WIPRO LTD METALS INDIAN METALS AND FERRO ALLOYS LTD TATA STEEL LTD JINDAL STEEL AND POWER LTD OIL REFINERIES RELIANCE INDUSTRIES LTD POWER NTPC LTD POWER GRID CORPORATION OF INDIA LTD AREVA T & D INDIA LTD TATA POWER LTD ORIENT GREEN POWER CO LTD TELECOM BHARTI AIRTEL LTD
4.04 3.87 2.86 1.01 0.80 0.80 21.52 8.79 7.49 2.45 1.50 0.72 0.57 2.68 2.68 6.84 5.20 1.64 1.13 1.13 3.06 3.06 5.17 2.95 2.22 8.51 3.00 2.98 2.53 2.41 2.41 18.57 6.39 3.99 3.41 3.34 1.44 8.24 8.24
1.02 0.57 0.43 1.14 0.84 0.64 0.88 1.12 0.49 0.61 1.77 0.46
17.20%
equity
82.80%

0.99 0.60 0.82 0.83 0.71 1.23 0.99 0.95 0.68 0.49 0.62 0.55 0.88 0.77
Fund Beta
0.86
82.80 17.20 100.00
11,000 10,000 9,000 8,000 7,000 6,000 5,000
10,000 8,369
inception 11-Jan-10
31-May-11

Equity: 100%
CNX Infrastructure Index: 100%
New Energy Fund

0.29% -2.86%
benchmark return
-4.39% -6.07%

15.93% 15.22%

21.06% 19.12%
fund sharpe ratio

-0.30% -0.52%

-0.45% -0.58%

january, 2010
fund objective
Provide high rate of return in the long term through high exposure to equity investments in Energy and allied sectors, while recognizing that there is a significant probability of negative returns in the short term. The risk appetite is 'high'


equity
AUTO ANCILLARY AUTO ANCILLARY EXIDE INDUSTRIES LTD BANKING & FINANCE POWER FINANCE CORPORATION LTD CAP GOODS / ENGINEERING LARSEN & TOUBRO LTD CUMMINS INDIA LTD BHARAT HEAVY ELECTRICALS LTD CROMPTON GREAVES LTD GAS GAIL (INDIA LTD PETRONET LNG LTD METALS JINDAL STEEL AND POWER LTD OIL EXPLORATION CAIRN INDIA LTD OIL & NATURAL GAS CORPORATION LTD OIL REFINERIES RELIANCE INDUSTRIES LTD OIL INDIA LTD INDIAN OIL CORPORATION LTD POWER NTPC LTD POWER GRID CORPORATION OF INDIA LTD ORIENT GREEN POWER CO LTD TATA POWER LTD 2.69 2.86 2.86 0.90 0.90 14.31 5.26 3.56 3.09 2.40 10.51 7.74 2.77 3.58 3.58 16.40 8.29 8.11 20.64 8.08 7.48 5.08 18.61 8.12 8.06 1.71 0.72
% total net asset

12.19%
fund risk profile
0.57 0.86 1.14 0.44 0.84 0.64 0.60 0.90 0.99 0.63 0.71 0.95 0.36 0.65 0.68 0.49 0.88 0.55
low
high
equity
87.81%

Fund Beta 0.69
87.81 12.19 100.00
11,000 10,000 9,000 8,000 7,000 6,000 5,000
10,000
9,419
inception 11-Jan-10
31-May-11

Equity: 100%
CNX Energy Index: 100%
New Mid Cap Fund

-1.46% -4.99%
benchmark return
-5.48% -6.47%

18.04% 18.43%

21.37% 21.24%
fund sharpe ratio

-0.36% -0.54%

-0.49% -0.54%

january, 2010
fund objective
Provide high rate of return in the long term through high exposure to equity investments in Midcap companies while recognizing that there is significant probability of negative returns in the short term. The risk appetite is 'high'


% total net asset
equity
AUTO ANCILLARY AUTO ANCILLARY EXIDE INDUSTRIES LTD BHARAT FORGE LTD AUTOMOBILES TATA MOTORS LTD DVR SHARES BANKING & FINANCE ANDHRA BANK LTD INDUSIND BANK LTD SHRIRAM TRANSPORT FINANCE COMPANY LTD BANK OF BARODA CAP GOODS / ENGINEERING CUMMINS INDIA LTD GREAVES COTTON LTD VOLTAS LTD IRB INFRASTRUCTURE DEVELOPERS LTD CEMENT & CEMENT PRODUCTS ULTRATECH CEMENT LTD CONSTRUCTION JAIPRAKASH ASSOCIATES LTD CONSUMER GOODS SINTEX INDUSTRIES LTD BALLARPUR INDUSTRIES LTD FERTILIZERS TATA CHEMICALS LTD GUJARAT STATE FERTILIZERS & CHEMICALS LTD FMCG TATA GLOBAL BEVERAGES LTD UNITED SPIRITS LTD GAS PETRONET LNG LTD MEDIA HT MEDIA LTD METALS JINDAL SAW LTD JSW STEEL LTD INDIAN METALS AND FERRO ALLOYS LTD JINDAL STEEL AND POWER LTD TATA STEEL LTD PHARMACEUTICALS DIVIS LABORATORIES LTD LUPIN LTD STRIDES ARCOLABS LTD AVENTIS PHARMA LTD AUROBINDO PHARMA LTD POWER AREVA T & D INDIA LTD RETAIL PANTALOON RETAIL INDIA LTD 8.24 8.09 4.33 3.76 1.74 1.74 7.51 3.95 1.53 1.09 0.94 10.11 4.13 2.27 2.16 1.55 2.02 2.02 1.24 1.24 4.49 3.32 1.17 6.38 3.85 2.53 3.93 2.18 1.75 2.78 2.78 1.64 1.64 11.04 3.35 2.80 2.66 1.14 1.09 19.20 4.95 4.51 3.67 3.57 2.50 3.14 3.14 0.73 0.73 84.04
fund risk profile
0.57 1.02 1.33 0.91 1.16 0.63 0.76 0.44 0.49 0.88 1.12 0.57 1.77 0.99 0.82 0.82 0.54 0.87 1.06 0.90
15.96%
low
high
equity
84.04%

Fund Beta 0.81
11,000
0.41 0.91 1.54 0.71 0.99 1.23 0.52 0.67 1.05 0.15 1.06 0.62 1.34
10,000 9,126
10,000 9,000 8,000 7,000 6,000 5,000 inception 11-Jan-10
31-May-11
15.96 100.00

Equity: 100%
Nifty Midcap 50: 100%
New Corporate Bond Fund

5.45% 6.47%
benchmark return
4.09% 4.76%

1.30% 1.52%

0.97% 1.07%
fund sharpe ratio

0.35% 0.97%

-0.94% -0.22%

january, 2010
fund objective
Provide returns that exceed the inflation rate, while taking some credit risk (through investments in corporate debt instruments) and maintaining a moderate probability of negative return in the short-term. The risk appetite is low to moderate.

security % total rating/ net 1-yr assets beta
bond/cd
RELIANCE CAPITAL LTD CP 25/05/2012 9.60% HDFC LTD NCD 07/04/2016 8.75% RELIANCE INDUSTRIES LTD NCD 07/05/2020 11.10% POWER FIN CORP LTD NCD 15/09/2013. 12%TATA CAPITAL LTD NCD 05/03/2014 P/C 050312 2% INDIAN HOTELS COMPANY LTD NCD 09/12/2014 8.40% L & T FINANCE LTD NCD 08/03/2013 8.40% ADITYA BIRLA NUVO LTD NCD 23/11/2012 9.30% HDFC LTD NCD 18/01/2021 8.95% INFOTEL BROADBAND SERV LTD NCD 15/09/20 8.93% NTPC LTD NCD 19/01/2021 8.23% SUNDARAM FINANCE LTD NCD 27/07/2012 NOVA IV TRUST SR J LOC ITSL PTC 18/10/2013 9.95% IL&FS LTD NCD 14/02/2016 9.70% LIC HOUSING FINANCE LTD NCD 07/04/2013 9.50% HDFC LTD NCD 27/02/2013 9.40% LIC HOUSING FINANCE 08/12/2012 9.3% TATA SONS LTD NCD 24/12/2015 9.18% TATA SONS LTD NCD 23/11/2020 8.68% NAT CAP REG PLAN NCD 18/8/19P/C18/08/16 8.90% SAIL 01/05/2019 CALL 010514 8.99% TATA SONS LTD NCD 07/06/2020 8.64% POWER GRID CORPN LTD NCD 08/07/2023 7.60% HDFC LTD NCD 08/12/2017 9.7% UNITED PHOS LTD 9/4/17 CALL STEP 9/4/15 9.33% POWER GRID CORP LTD NCD 15/12/2013 11.45% RELIANCE INDUSTRIES LTD NCD 25/11/2013 8.2% NATIONAL HSG BANK NCD 30/08/13 8.90% POWER GRID CORP LTD NCD STRPP C 25/2/16 9.32% HDFC LTD NCD 17/12/2012 9.35% LIC HO FI LTD NCD 23/11/2014 P/C 231112 8.97% TATA SONS LTD NCD 15/07/2020 8.8% RECL NCD 25/10/2020 9.47% POWER GRID CORPORATION NCD 31/03/2013 11.30% ACC LTD NCD 10/12/2013 9.30% POWER FIN CORP LTD NCD 12/03/2013 9.50% SBI NCD 04/11/25 CALL/STEP-UP 05/11/20 8.13 5.42 4.46 4.28 2.50 1.97 1.86 1.78 1.77 1.73 1.73 1.60 1.17 0.96 0.91 0.90 0.90 0.89 0.88 0.87 0.87 0.87 0.84 0.83 0.72 0.67 0.56 0.53 0.44 0.36 0.36 0.35 0.34 0.23 0.19 0.18 0.04 A1+ AAA AAA AAA LAA+ LAA+ AA+ LAA+ AAA AAA AAA LAA+ AAA AAA AAA AAA AAA AAA AAA AAA AAA AAA AAA AAA AA+ AAA AAA AAA AAA AAA AAA AAA AAA AAA AAA AAA AAA

% total net asset
gilts total money market instruments bond / cd 5.44%
fund risk profile
low
high
41.47%
53.09%

total bond/cd gilts

8.26% GOI (MD 02/08/2027) 8.30% GOI (MD 02/07/2040) 7.35% GOI (MD 22/06/2024)
53.09
Sovereign 3.68 sovereign 0.91 sovereign 0.85 sovereign 5.44 sovereign
41.47 100.00
14,000 13,000 12,000 11,000 10,000 9,000 8,000 7,000 6,000 5,000
10,000
10,737
inception 11-Jan-10
31-May-11

Bond Instruments: 100%
New Gilt Fund

5.41% 6.40%
benchmark return
4.07% 5.28%

1.71% 1.68%

2.39% 2.30%
fund sharpe ratio

0.24% 0.84%

-0.39% 0.12%

january, 2010
fund objective
Provide returns that exceed the inflation rate, without taking any credit risk (sovereign risk only) and maintaining a low probability of negative return in the short- term. The risk appetite is low to moderate.

security % total rating/ net 1-yr beta assets sovereign
GOI GOI GOI GOI GOI GOI GOI GOI 02/08/2027 15/02/2032 02/07/2040 15/02/2027 2017 16.04.2017 UTTAR PRADESH SDL 22/09/2020 2036 07/06/2036 2015 16.10.2015 15.27 8.05 4.77 2.18 2.15 1.90 0.65 0.01 sovereign sovereign sovereign sovereign sovereign sovereign sovereign sovereign

% total net asset
gilts
fund risk profile
low
high
8.26% 8.28% 8.30% 8.24% 7.49% 8.39% 8.33% 9.85%
gilt
34.98%
34.98 65.02 100.00
65.02%

12,000 11,000 10,000 9,000 8,000 7,000 6,000 5,000 inception 11-Jan-10 31-May-11 10,728 10,000

Government Securities: 100%
I-Sec Composite Sovereign Bond Index:100%
New Money Market Fund

8.23% 7.75%
benchmark return
6.90% 5.94%

0.27% 0.35%

0.34% 0.51%
fund sharpe ratio

12.08% 7.91%

5.67% 1.84%
january, 2010
fund objective


% total net asset
100.00 100.00
fund risk profile

100%

growth of initial investment of Rs.10,000 in AIP
14,000 12,000 10,000 8,000 6,000 4,000 2,000 inception 11-Jan-10 31-May-11 10,000 10,922

CRISIL Liquid Bond Index: 100%
Product Details
Navs as of 31 May, 2011
Product / Fund Name Reliacne Premier Life - Corporate Bond Fund Reliacne Premier Life - Energy Fund Reliacne Premier Life - Equity Fund Reliacne Premier Life - Gilt Fund Reliacne Premier Life - Infrastructure Fund Reliacne Premier Life - Midcap Fund Reliacne Premier Life - Money Market Fund Reliacne Premier Life - Pure Equity Fund Reliance Automatic Investment Plan - Corporate Bond Fund Reliance Automatic Investment Plan - Energy Fund Reliance Automatic Investment Plan - Equity Fund Reliance Automatic Investment Plan - Fund A Reliance Automatic Investment Plan - Fund B Reliance Automatic Investment Plan - Fund C Reliance Automatic Investment Plan - Gilt Fund Reliance Automatic Investment Plan - Infrastructure Fund Reliance Automatic Investment Plan - Midcap Fund Reliance Automatic Investment Plan - Money Market Fund Reliance Automatic Investment Plan - Pure Equity Fund Reliance Golden Year Plan - Balanced Fund Reliance Golden Year Plan - Capital Secure Fund Reliance Golden Year Plan - Energy Fund Reliance Golden Year Plan - Equity Fund Reliance Golden Year Plan - Growth Fund Reliance Golden Year Plan - Infrastructure Fund Reliance Golden Year Plan - Midcap Fund Reliance Golden Year Plan - Pure Equity Fund Reliance Guaranteed Return Plan Insurance Series I - Insurance Bond Fund Reliance Guaranteed Return Plan Pension Series I - Pension Bond Fund Reliance Imaan Investment Basic Plan - New Indian Traditional Fund Reliance Imaan Investment Plan - Indian Traditional Fund Reliance Imaan Investment Term 10 Plan - New Indian Traditional Fund Reliance Life Highest NAV Advantage Plan - Highest NAV Advantage Fund-Series-I Reliance Life Highest NAV Guarantee Plan - Highest NAV Guarantee Fund Reliance Life Insurance Classic Plan - New Corporate Bond Fund Reliance Life Insurance Classic Plan - New Energy Fund Reliance Life Insurance Classic Plan - New Equity Fund Reliance Life Insurance Classic Plan - New Gilt Fund Reliance Life Insurance Classic Plan - New Infrastructure Fund Reliance Life Insurance Classic Plan - New Midcap Fund Reliance Life Insurance Classic Plan - New Money Market Fund Reliance Life Insurance Classic Plan - New Pure Equity Fund Reliance Life Super Golden Years Term 10 Senior Citizen Plan - New Balanced Fund Reliance Life Super Golden Years Term 10 Senior Citizen Plan - New Energy Fund Reliance Life Super Golden Years Term 10 Senior Citizen Plan - New Equity Fund Reliance Life Super Golden Years Term 10 Senior Citizen Plan - New Fund C Reliance Life Super Golden Years Term 10 Senior Citizen Plan - New Growth Fund Reliance Life Super Golden Years Term 10 Senior Citizen Plan - New Infrastructure Fund Reliance Life Super Golden Years Term 10 Senior Citizen Plan - New Mid Cap Fund Reliance Life Super Golden Years Term 10 Senior Citizen Plan - New Money Market Fund Reliance Life Super Golden Years Term 10 Senior Citizen Plan - New Pure Equity Fund Reliance Market Return plan - Balanced Fund Reliance Market Return plan - Capital Secure Fund Reliance Market Return plan - Energy Fund Reliance Market Return plan - Equity Fund Reliance Market Return plan - Growth Fund Reliance Market Return plan - Infrastructure Fund Reliance Market Return plan - Midcap Fund Reliance Market Return plan - Pure Equity Fund Reliance Money Guarantee Basic Plan - New Fund C Reliance Money Guarantee Basic Plan - New Fund D Reliance Money Guarantee Basic Plan - New Fund E Reliance Money Guarantee Basic Plan - New Fund F Reliance Money Guarantee Basic Plan - New Fund I (Return Shield)
Fund Name as in Analyst Inception Date Corporate Bond Fund 20-Aug-09 Energy Fund 20-Aug-09 Equity Fund 20-Aug-09 Gilt Fund 20-Aug-09 Infrastructure Fund 20-Aug-09 Mid Cap Fund 20-Aug-09 Money Market Fund 20-Aug-09 Pure Equity Fund 20-Aug-09 Corporate Bond Fund 28-May-07 Energy Fund 1-Aug-08 Equity Fund 28-May-07 Super Growth Fund 28-May-07 Growth Plus Fund 28-May-07 Balanced Fund 28-May-07 Gilt Fund 28-May-07 Infrastructure Fund 1-Aug-08 Mid Cap Fund 1-Aug-08 Money Market Fund 28-May-07 Pure Equity Fund 1-Aug-08 Balanced Fund 13-Feb-06 Capital Secure Fund 8-Nov-06 Energy Fund 1-Aug-08 Equity Fund 12-Mar-07 Growth Fund 12-Mar-07 Infrastructure Fund 1-Aug-08 Mid Cap Fund 1-Aug-08 Pure Equity Fund 1-Aug-08 Guaranteed Bond Fund - I 19-Dec-08 Guaranteed Bond Fund - I 19-Dec-08 New Pure Equity Fund 1-Jan-10 Pure Equity Fund 17-Dec-08 New Pure Equity Fund 1-Jan-10 Highest NAV Advantage Fund-Series-I 8-Sep-10 Highest NAV Guarantee Fund 15-Feb-10 New Corporate Bond Fund 9-Sep-10 New Energy Fund 9-Sep-10 Equity Plus Fund 9-Sep-10 New Gilt Fund 9-Sep-10 New Infrastructure Fund 9-Sep-10 New Mid Cap fund 9-Sep-10 New Money Market Fund 9-Sep-10 New Pure Equity Fund 9-Sep-10 New Balanced Fund 1-Jan-10 New Energy Fund 1-Jan-10 Equity Plus Fund 1-Jan-10 Balanced Fund 1-Jan-10 Growth Fund 1-Jan-10 New Infrastructure Fund 1-Jan-10 New Mid Cap Fund 1-Jan-10 New Money Market Fund 1-Jan-10 New Pure Equity Fund 1-Jan-10 Balanced Fund 9-Aug-04 Capital Secure Fund 9-Aug-04 Energy Fund 1-Aug-08 Equity Fund 9-Aug-04 Growth Fund 9-Aug-04 Infrastructure Fund 1-Aug-08 Mid Cap Fund 1-Aug-08 Pure Equity Fund 1-Aug-08 Balanced Fund 1-Jan-10 Growth Fund 1-Jan-10 Growth Plus Fund 1-Jan-10 High Growth Fund 1-Jan-10 Pure Debt Fund 1-Jan-10
NAV 12.08 15.24 19.47 11.01 12.20 17.98 11.99 18.62 13.53 10.22 12.36 12.06 12.88 13.13 12.11 8.20 10.79 13.46 12.07 17.04 15.02 10.22 14.33 15.01 8.20 10.79 12.07 12.49 12.50 10.21 13.36 10.21 9.40 10.97 10.74 9.42 10.62 10.73 8.37 9.13 10.92 10.21 10.56 9.42 10.62 10.56 10.49 8.37 9.13 10.92 10.21 17.04 14.97 10.22 29.04 18.84 8.20 10.79 12.07 10.56 10.49 10.68 10.83 10.63
Product Details
Product / Fund Name Reliance Money Guarantee Plan - Fund D Reliance Money Guarantee Plan - Fund E Reliance Money Guarantee Plan - Fund F Reliance Money Guarantee Plan - Return Shield Reliance Money Guarantee Term 10 Plan - New Fund C Reliance Money Guarantee Term 10 Plan - New Fund D Reliance Money Guarantee Term 10 Plan - New Fund E Reliance Money Guarantee Term 10 Plan - New Fund F Reliance Money Guarantee Term 10 Plan - New Fund I (Return Shield) Reliance New Guaranteed Return Plan Insurance Series I - Insurance Bond Fund-New Reliance New Guaranteed Return Plan Pension Series I - Pension Bond Fund-New Reliance Premier Life Basic Plan - New Corporate Bond Fund Reliance Premier Life Basic Plan - New Energy Fund Reliance Premier Life Basic Plan - New Equity Fund Reliance Premier Life Basic Plan - New Fund C Reliance Premier Life Basic Plan - New Gilt Fund Reliance Premier Life Basic Plan - New Infrastructure Fund Reliance Premier Life Basic Plan - New Mid Cap Fund Reliance Premier Life Basic Plan - New Money Market Fund Reliance Premier Life Basic Plan - New Pure Equity Fund Reliance Premier Life Term 10 Plan - New Corporate Bond Fund Reliance Premier Life Term 10 Plan - New Energy Fund Reliance Premier Life Term 10 Plan - New Equity Fund Reliance Premier Life Term 10 Plan - New Fund C Reliance Premier Life Term 10 Plan - New Gilt Fund Reliance Premier Life Term 10 Plan - New Infrastructure Fund Reliance Premier Life Term 10 Plan - New Mid Cap Fund Reliance Premier Life Term 10 Plan - New Money Market Fund Reliance Premier Life Term 10 Plan - New Pure Equity Fund Reliance Saving Link Insurance - Energy Fund Reliance Saving Link Insurance - Equity Fund Reliance Saving Link Insurance - Gilt Fund Reliance Saving Link Insurance - Infrastructure Fund Reliance Saving Link Insurance - Money Market Fund Reliance Saving Link Insurance - Pure Equity Fund Reliance Secure Child Basic Plan - New Fund C Reliance Secure Child Basic Plan - New Fund D Reliance Secure Child Basic Plan - New Fund E Reliance Secure Child Basic Plan - New Fund F Reliance Secure Child Basic Plan - New Fund I (Return Shield) Reliance Secure Child Term 10 Plan - New Fund C Reliance Secure Child Term 10 Plan - New Fund D Reliance Secure Child Term 10 Plan - New Fund E Reliance Secure Child Term 10 Plan - New Fund F Reliance Secure Child Term 10 Plan - New Fund I (Return Shield) Reliance Secured Child Plan - Energy Fund Reliance Secured Child Plan - Equity Fund Reliance Secured Child Plan - Fund G Reliance Secured Child Plan - Fund H Reliance Secured Child Plan - Infrastructure Fund Reliance Secured Child Plan - Midcap Fund Reliance Secured Child Plan - Pure Equity Fund Reliance Secured Child Plan - Return Shield Reliance Super Automatic Investment Basic Plan - New Corporate Bond Fund Reliance Super Automatic Investment Basic Plan - New Energy Fund Reliance Super Automatic Investment Basic Plan - New Equity Fund Reliance Super Automatic Investment Basic Plan - New Fund A Reliance Super Automatic Investment Basic Plan - New Fund B Reliance Super Automatic Investment Basic Plan - New Fund C Reliance Super Automatic Investment Basic Plan - New Gilt Fund Reliance Super Automatic Investment Basic Plan - New Infrastructure Fund Reliance Super Automatic Investment Basic Plan - New Mid Cap Fund Reliance Super Automatic Investment Basic Plan - New Money Market Fund Reliance Super Automatic Investment Basic Plan - New Pure Equity Fund Fund Name as in Analyst Growth Fund Growth Plus Fund High Growth Fund Pure Debt Fund Balanced Fund Growth Fund Growth Plus Fund High Growth Fund Pure Debt Fund Guaranteed Bond Fund - I Guaranteed Bond Fund - I New Corporate Bond Fund New Energy Fund Equity Plus Fund Balanced Fund New Gilt Fund New Infrastructure Fund New Mid Cap Fund New Money Market Fund New Pure Equity Fund New Corporate Bond Fund New Energy Fund Equity Plus Fund Balanced Fund New Gilt Fund New Infrastructure Fund New Mid Cap Fund New Money Market Fund New Pure Equity Fund Energy Fund Equity Fund Gilt Fund Infrastructure Fund Money Market Fund Pure Equity Fund Balanced Fund Growth Fund Growth Plus Fund High Growth Fund Pure Debt Fund Balanced Fund Growth Fund Growth Plus Fund High Growth Fund Pure Debt Fund Energy Fund Equity Fund Balanced Fund Growth Fund Infrastructure Fund Mid Cap Fund Pure Equity Fund Pure Debt Fund New Corporate Bond Fund New Energy Fund Equity Plus Fund Super Growth Fund Growth Plus Fund Balanced Fund New Gilt Fund New Infrastructure Fund New Mid Cap Fund New Money Market Fund New Pure Equity Fund Inception Date 1-Mar-07 1-Mar-07 1-Mar-07 9-Apr-07 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 25-Feb-09 25-Feb-09 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 26-May-09 26-May-09 26-May-09 26-May-09 26-May-09 26-May-09 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Aug-08 29-Nov-07 29-Nov-07 29-Nov-07 1-Aug-08 1-Aug-08 1-Aug-08 27-Dec-07 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 NAV 13.47 13.67 13.76 13.46 10.56 10.49 10.68 10.83 10.63 11.75 11.76 10.74 9.42 10.62 10.56 10.73 8.37 9.13 10.92 10.21 10.74 9.42 10.62 10.56 10.73 8.37 9.13 10.92 10.21 15.24 19.47 11.01 12.20 11.99 18.62 10.56 10.49 10.68 10.83 10.63 10.56 10.49 10.68 10.83 10.63 10.22 9.44 11.94 11.10 8.20 10.79 12.07 12.69 10.74 9.42 10.62 10.64 10.68 10.56 10.73 8.37 9.13 10.92 10.21
Product Details
Product / Fund Name Reliance Super Automatic Investment Plan - Corporate Bond Fund Reliance Super Automatic Investment Plan - Energy Fund Reliance Super Automatic Investment Plan - Equity Fund Reliance Super Automatic Investment Plan - Fund A Reliance Super Automatic Investment Plan - Fund B Reliance Super Automatic Investment Plan - Fund C Reliance Super Automatic Investment Plan - Gilt Fund Reliance Super Automatic Investment Plan - Infrastructure Fund Reliance Super Automatic Investment Plan - Midcap Fund Reliance Super Automatic Investment Plan - Money Market Fund Reliance Super Automatic Investment Plan - Pure Equity Fund Reliance Super Automatic Investment Term 10 Plan - New Corporate Bond Fund Reliance Super Automatic Investment Term 10 Plan - New Energy Fund Reliance Super Automatic Investment Term 10 Plan - New Equity Fund Reliance Super Automatic Investment Term 10 Plan - New Fund A Reliance Super Automatic Investment Term 10 Plan - New Fund B Reliance Super Automatic Investment Term 10 Plan - New Fund C Reliance Super Automatic Investment Term 10 Plan - New Gilt Fund Reliance Super Automatic Investment Term 10 Plan - New Infrastructure Fund Reliance Super Automatic Investment Term 10 Plan - New Mid Cap Fund Reliance Super Automatic Investment Term 10 Plan - New Money Market Fund Reliance Super Automatic Investment Term 10 Plan - New Pure Equity Fund Reliance Super Golden Year Plan - Balanced Fund Reliance Super Golden Year Plan - Energy Fund Reliance Super Golden Year Plan - Equity Fund Reliance Super Golden Year Plan - Growth Fund Reliance Super Golden Year Plan - Infrastructure Fund Reliance Super Golden Year Plan - Midcap Fund Reliance Super Golden Year Plan - Money Market Fund Reliance Super Golden Year Plan - Pure Equity Fund Reliance Super Golden Years Basic Plan - New Balanced Fund Reliance Super Golden Years Basic Plan - New Energy Fund Reliance Super Golden Years Basic Plan - New Equity Fund Reliance Super Golden Years Basic Plan - New Fund C Reliance Super Golden Years Basic Plan - New Growth Fund Reliance Super Golden Years Basic Plan - New Infrastructure Fund Reliance Super Golden Years Basic Plan - New Mid Cap Fund Reliance Super Golden Years Basic Plan - New Money Market Fund Reliance Super Golden Years Basic Plan - New Pure Equity Fund Reliance Super Golden Years Plus Basic Plan - New Balanced Fund Reliance Super Golden Years Plus Basic Plan - New Energy Fund Reliance Super Golden Years Plus Basic Plan - New Equity Fund Reliance Super Golden Years Plus Basic Plan - New Fund C Reliance Super Golden Years Plus Basic Plan - New Growth Fund Reliance Super Golden Years Plus Basic Plan - New Infrastructure Fund Reliance Super Golden Years Plus Basic Plan - New Mid Cap Fund Reliance Super Golden Years Plus Basic Plan - New Money Market Fund Reliance Super Golden Years Plus Basic Plan - New Pure Equity Fund Reliance Super Golden Years Plus Term 10 Plan - New Balanced Fund Reliance Super Golden Years Plus Term 10 Plan - New Energy Fund Reliance Super Golden Years Plus Term 10 Plan - New Equity Fund Reliance Super Golden Years Plus Term 10 Plan - New Fund C Reliance Super Golden Years Plus Term 10 Plan - New Growth Fund Reliance Super Golden Years Plus Term 10 Plan - New Infrastructure Fund Reliance Super Golden Years Plus Term 10 Plan - New Mid Cap Fund Reliance Super Golden Years Plus Term 10 Plan - New Money Market Fund Reliance Super Golden Years Plus Term 10 Plan - New Pure Equity Fund Reliance Super Golden Years Term 10 Plan - New Balanced Fund Reliance Super Golden Years Term 10 Plan - New Energy Fund Reliance Super Golden Years Term 10 Plan - New Equity Fund Reliance Super Golden Years Term 10 Plan - New Fund C Reliance Super Golden Years Term 10 Plan - New Growth Fund Reliance Super Golden Years Term 10 Plan - New Infrastructure Fund Reliance Super Golden Years Term 10 Plan - New Mid Cap Fund Reliance Super Golden Years Term 10 Plan - New Money Market Fund Reliance Super Golden Years Term 10 Plan - New Pure Equity Fund Fund Name as in Analyst Corporate Bond Fund Energy Fund Equity Fund Super Growth Fund Growth Plus Fund Balanced Fund Gilt Fund Infrastructure Fund Mid Cap Fund Money Market Fund Pure Equity Fund New Corporate Bond Fund New Energy Fund Equity Plus Fund Super Growth Fund Growth Plus Fund Balanced Fund New Gilt Fund New Infrastructure Fund New Mid Cap Fund New Money Market Fund New Pure Equity Fund Balanced Fund Energy Fund Equity Fund Growth Fund Infrastructure Fund Mid Cap Fund Money Market Fund Pure Equity Fund Balanced Fund New Energy Fund Equity Plus Fund Balanced Fund Growth Fund New Infrastructure Fund New Mid Cap Fund New Money Market Fund New Pure Equity Fund Balanced Fund New Energy Fund Equity Plus Fund Balanced Fund Growth Fund New Infrastructure Fund New Mid Cap Fund New Money Market Fund New Pure Equity Fund Balanced Fund New Energy Fund Equity Plus Fund Balanced Fund Growth Fund New Infrastructure Fund New Mid Cap Fund New Money Market Fund New Pure Equity Fund Balanced Fund New Energy Fund Equity Plus Fund Balanced Fund Growth Fund New Infrastructure Fund New Mid Cap Fund New Money Market Fund New Pure Equity Fund Inception Date 4-Dec-08 4-Dec-08 4-Dec-08 4-Dec-08 4-Dec-08 4-Dec-08 4-Dec-08 4-Dec-08 4-Dec-08 4-Dec-08 4-Dec-08 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 4-Dec-08 4-Dec-08 4-Dec-08 4-Dec-08 4-Dec-08 4-Dec-08 4-Dec-08 4-Dec-08 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 NAV 13.53 10.22 12.36 12.06 12.88 13.13 12.11 8.20 10.79 13.46 12.07 10.74 9.42 10.62 10.64 10.68 10.56 10.73 8.37 9.13 10.92 10.21 17.04 10.22 12.36 15.01 8.20 10.79 12.01 12.07 10.56 9.42 10.62 10.56 10.49 8.37 9.13 10.92 10.21 10.56 9.42 10.62 10.56 10.49 8.37 9.13 10.92 10.21 10.56 9.42 10.62 10.56 10.49 8.37 9.13 10.92 10.21 10.56 9.42 10.62 10.56 10.49 8.37 9.13 10.92 10.21
Product Details
Product / Fund Name Reliance Reliance Reliance Reliance Reliance Reliance Reliance Reliance Reliance Reliance Reliance Reliance Reliance Reliance Reliance Reliance Reliance Reliance Reliance Reliance Reliance Reliance Reliance Reliance Reliance Reliance Reliance Reliance Reliance Reliance Reliance Reliance Reliance Reliance Reliance Reliance Reliance Reliance Reliance Reliance Reliance Reliance Reliance Reliance Reliance Reliance Reliance Reliance Reliance Reliance Reliance Reliance Reliance Reliance Reliance Reliance Reliance Reliance Reliance Reliance Reliance Super Super Super Super Super Super Super Super Super Super Super Super Super Super Super Super Super Super Super Super Super Super Super Super Super Super Super Super Super Super Super Super Super Super Super Super Super Super Super Super Super Super Super Super Super Super Super Super Super Super Super Super Super Super Super Super Super Super Super Super Super Golden Golden Golden Golden Golden Golden Golden Golden Golden Golden Golden Golden Golden Golden Golden Golden Golden Golden Invest Invest Invest Invest Invest Invest Invest Invest Invest Invest Invest Invest Invest Invest Invest Invest Years Years Years Years Years Years Years Years Years Years Years Years Years Years Years Years Years Years Value Value Value Value Value Value Value Value Value Value Value Value Value Value Value Value Value Value Plan Plan Plan Plan Plan Plan Plan Plan Plan Plan Plan Plan Plan Plan Plan Plan Basic Basic Basic Basic Basic Basic Basic Basic Basic Term Term Term Term Term Term Term Term Term Plan Plan Plan Plan Plan Plan Plan Plan Plan 10 10 10 10 10 10 10 10 10 New New New New New New New New New Balanced Fund Energy Fund Equity Fund Fund C Growth Fund Infrastructure Fund Mid Cap Fund Money Market Fund Pure Equity Fund Balanced Fund Energy Fund Equity Fund Fund C Growth Fund Infrastructure Fund Mid Cap Fund Money Market Fund Pure Equity Fund Fund Name as in Analyst Balanced Fund New Energy Fund Equity Plus Fund Balanced Fund Growth Fund New Infrastructure Fund New Mid Cap Fund New Money Market Fund New Pure Equity Fund Balanced Fund New Energy Fund Equity Plus Fund Balanced Fund Growth Fund New Infrastructure Fund New Mid Cap Fund New Money Market Fund New Pure Equity Fund Corporate Bond Fund Energy Fund Equity Fund Gilt Fund Infrastructure Fund Mid Cap Fund Money Market Fund Pure Equity Fund Corporate Bond Fund Energy Fund Equity Fund Gilt Fund Infrastructure Fund Mid Cap Fund Money Market Fund Pure Equity Fund New Corporate Bond Fund New Energy Fund Equity Plus Fund Balanced Fund New Gilt Fund New Infrastructure Fund New Mid Cap Fund New Money Market Fund New Pure Equity Fund New Corporate Bond Fund New Energy Fund Equity Plus Fund Balanced Fund New Gilt Fund New Infrastructure Fund New Mid Cap Fund New Money Market Fund New Pure Equity Fund New Corporate Bond Fund New Energy Fund Equity Plus Fund Balanced Fund New Gilt Fund New Infrastructure Fund New Mid Cap Fund New Money Market Fund New Pure Equity Fund Inception Date 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 11-Jun-08 11-Jun-08 11-Jun-08 11-Jun-08 11-Jun-08 11-Jun-08 11-Jun-08 11-Jun-08 10-Dec-08 10-Dec-08 10-Dec-08 10-Dec-08 10-Dec-08 10-Dec-08 10-Dec-08 10-Dec-08 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 NAV 10.56 9.42 10.62 10.56 10.49 8.37 9.13 10.92 10.21 10.56 9.42 10.62 10.56 10.49 8.37 9.13 10.92 10.21 12.50 10.91 12.76 11.56 8.45 10.43 12.45 13.36 12.50 10.91 12.76 11.56 8.45 10.43 12.45 13.36 10.74 9.42 10.62 10.56 10.73 8.37 9.13 10.92 10.21 10.74 9.42 10.62 10.56 10.73 8.37 9.13 10.92 10.21 10.74 9.42 10.62 10.56 10.73 8.37 9.13 10.92 10.21
Plan Plan Plan Plan Plan Plan Plan Plan Plan
New New New New New New New New New
assure assure assure assure assure assure assure assure assure assure assure assure assure assure assure assure
Corporate Bond Fund Energy Fund Equity Fund Gilt Fund Infrastructure Fund Midcap Fund Money Market Fund Pure Equity Fund Corporate Bond Fund Energy Fund Equity Fund Gilt Fund Infrastructure Fund Midcap Fund Money Market Fund Pure Equity Fund
Plus Plus Plus Plus Plus Plus Plus Plus
InvestAssure InvestAssure InvestAssure InvestAssure InvestAssure InvestAssure InvestAssure InvestAssure InvestAssure InvestAssure InvestAssure InvestAssure InvestAssure InvestAssure InvestAssure InvestAssure InvestAssure InvestAssure InvestAssure InvestAssure InvestAssure InvestAssure InvestAssure InvestAssure InvestAssure InvestAssure InvestAssure
Basic Plan - New Corporate Bond Fund Basic Plan - New Energy Fund Basic Plan - New Equity Fund Basic Plan - New Fund C Basic Plan - New Gilt Fund Basic Plan - New Infrastructure Fund Basic Plan - New Mid Cap Fund Basic Plan - New Money Market Fund Basic Plan - New Pure Equity Fund Plus Basic Plan - New Corporate Bond Fund Plus Basic Plan - New Energy Fund Plus Basic Plan - New Equity Fund Plus Basic Plan - New Fund C Plus Basic Plan - New Gilt Fund Plus Basic Plan - New Infrastructure Fund Plus Basic Plan - New Mid Cap Fund Plus Basic Plan - New Money Market Fund Plus Basic Plan - New Pure Equity Fund Plus Plus Plus Plus Plus Plus Plus Plus Plus Term Term Term Term Term Term Term Term Term 10 10 10 10 10 10 10 10 10 Plan Plan Plan Plan Plan Plan Plan Plan Plan New New New New New New New New New Corporate Bond Fund Energy Fund Equity Fund Fund C Gilt Fund Infrastructure Fund Mid Cap Fund Money Market Fund Pure Equity Fund
Product Details
Product / Fund Name Reliance Super Market Return Basic Plan* - New Balanced Fund Reliance Super Market Return Basic Plan* - New Energy Fund Reliance Super Market Return Basic Plan* - New Equity Fund Reliance Super Market Return Basic Plan* - New Fund C Reliance Super Market Return Basic Plan* - New Growth Fund Reliance Super Market Return Basic Plan* - New Infrastructure Fund Reliance Super Market Return Basic Plan* - New Mid Cap Fund Reliance Super Market Return Basic Plan* - New Money Market Fund Reliance Super Market Return Basic Plan* - New Pure Equity Fund Reliance Super Market Return Plan - Balanced Fund Reliance Super Market Return Plan - Energy Fund Reliance Super Market Return Plan - Equity Fund Reliance Super Market Return Plan - Growth Fund Reliance Super Market Return Plan - Infrastructure Fund Reliance Super Market Return Plan - Midcap Fund Reliance Super Market Return Plan - Money Market Fund Reliance Super Market Return Plan - Pure Equity Fund Reliance Super Market Return Term 10 Plan* - New Balanced Fund Reliance Super Market Return Term 10 Plan* - New Energy Fund Reliance Super Market Return Term 10 Plan* - New Equity Fund Reliance Super Market Return Term 10 Plan* - New Fund C Reliance Super Market Return Term 10 Plan* - New Growth Fund Reliance Super Market Return Term 10 Plan* - New Infrastructure Fund Reliance Super Market Return Term 10 Plan* - New Mid Cap Fund Reliance Super Market Return Term 10 Plan* - New Money Market Fund Reliance Super Market Return Term 10 Plan* - New Pure Equity Fund Reliance Total Investment Plan- Insurance - Corporate Bond Fund Reliance Total Investment Plan- Insurance - Energy Fund Reliance Total Investment Plan- Insurance - Equity Fund Reliance Total Investment Plan- Insurance - Gilt Fund Reliance Total Investment Plan- Insurance - Infrastructure Fund Reliance Total Investment Plan- Insurance - Midcap Fund Reliance Total Investment Plan- Insurance - Money Market Fund Reliance Total Investment Plan- Insurance - Pure Equity Fund Reliance Total Investment Plan- Pension - Corporate Bond Fund Reliance Total Investment Plan- Pension - Energy Fund Reliance Total Investment Plan- Pension - Equity Fund Reliance Total Investment Plan- Pension - Gilt Fund Reliance Total Investment Plan- Pension - Infrastructure Fund Reliance Total Investment Plan- Pension - Midcap Fund Reliance Total Investment Plan- Pension - Money Market Fund Reliance Total Investment Plan- Pension - Pure Equity Fund Reliance Total Investment Series I Term 10 Plan -Insurance - New Corporate Bond Fund Reliance Total Investment Series I Term 10 Plan -Insurance - New Energy Fund Reliance Total Investment Series I Term 10 Plan -Insurance - New Equity Fund Reliance Total Investment Series I Term 10 Plan -Insurance - New Fund C Reliance Total Investment Series I Term 10 Plan -Insurance - New Gilt Fund Reliance Total Investment Series I Term 10 Plan -Insurance - New Infrastructure Fund Reliance Total Investment Series I Term 10 Plan -Insurance - New Mid Cap Fund Reliance Total Investment Series I Term 10 Plan -Insurance - New Money Market Fund Reliance Total Investment Series I Term 10 Plan -Insurance - New Pure Equity Fund Reliance Total Investment Series II Term 10 Plan -Pension - New Corporate Bond Fund Reliance Total Investment Series II Term 10 Plan -Pension - New Energy Fund Reliance Total Investment Series II Term 10 Plan -Pension - New Equity Fund Reliance Total Investment Series II Term 10 Plan -Pension - New Fund C Reliance Total Investment Series II Term 10 Plan -Pension - New Gilt Fund Reliance Total Investment Series II Term 10 Plan -Pension - New Infrastructure Fund Reliance Total Investment Series II Term 10 Plan -Pension - New Mid Cap Fund Reliance Total Investment Series II Term 10 Plan -Pension - New Money Market Fund Reliance Total Investment Series II Term 10 Plan -Pension - New Pure Equity Fund Fund Name as in Analyst Balanced Fund New Energy Fund Equity Plus Fund Balanced Fund Growth Fund New Infrastructure Fund New Mid Cap Fund New Money Market Fund New Pure Equity Fund Balanced Fund Energy Fund Equity Fund Growth Fund Infrastructure Fund Mid Cap Fund Money Market Fund Pure Equity Fund Balanced Fund New Energy Fund Equity Plus Fund Balanced Fund Growth Fund New Infrastructure Fund New Mid Cap Fund New Money Market Fund New Pure Equity Fund Corporate Bond Fund Energy Fund Equity Fund Gilt Fund Infrastructure Fund Mid Cap Fund Money Market Fund Pure Equity Fund Corporate Bond Fund Energy Fund Equity Fund Gilt Fund Infrastructure Fund Mid Cap Fund Money Market Fund Pure Equity Fund New Corporate Bond Fund New Energy Fund Equity Plus Fund Balanced Fund New Gilt Fund New Infrastructure Fund New Mid Cap Fund New Money Market Fund New Pure Equity Fund New Corporate Bond Fund New Energy Fund Equity Plus Fund Balanced Fund New Gilt Fund New Infrastructure Fund New Mid Cap Fund New Money Market Fund New Pure Equity Fund Inception Date 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 4-Dec-08 4-Dec-08 4-Dec-08 4-Dec-08 4-Dec-08 4-Dec-08 4-Dec-08 4-Dec-08 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 19-Mar-08 19-Mar-08 19-Mar-08 19-Mar-08 19-Mar-08 19-Mar-08 19-Mar-08 1-Aug-08 19-Mar-08 19-Mar-08 19-Mar-08 19-Mar-08 19-Mar-08 19-Mar-08 19-Mar-08 1-Aug-08 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 NAV 10.56 9.42 10.62 10.56 10.49 8.37 9.13 10.92 10.21 17.04 10.22 12.36 18.84 8.20 10.79 12.01 12.07 10.56 9.42 10.62 10.56 10.49 8.37 9.13 10.92 10.21 12.60 10.35 12.75 11.51 8.06 10.87 12.66 12.07 12.59 10.35 12.74 11.51 8.05 10.90 12.66 12.07 10.74 9.42 10.62 10.56 10.73 8.37 9.13 10.92 10.21 10.74 9.42 10.62 10.56 10.73 8.37 9.13 10.92 10.21
Product Details
Product / Fund Reliance Wealth Reliance Wealth Reliance Wealth Reliance Wealth Reliance Wealth Reliance Wealth Reliance Wealth Reliance Wealth Reliance Wealth Reliance Wealth Reliance Wealth Reliance Wealth Reliance Wealth Reliance Wealth Reliance Wealth Reliance Wealth Reliance Wealth Reliance Wealth Reliance Wealth Reliance Wealth Reliance Wealth Reliance Wealth Reliance Wealth Reliance Wealth Reliance Wealth Reliance Wealth Reliance Wealth Reliance Wealth Reliance Wealth Reliance Wealth Reliance Wealth Reliance Wealth
Name + Health + Health + Health + Health + Health + Health + Health + Health + Health + Health + Health + Health + Health + Health + Health + Health + Health + Health + Health + Health + Health + Health + Health + Health + Health + Health + Health + Health + Health + Health + Health + Health
Basic Plan - New Corporate Bond Fund Basic Plan - New Energy Fund Basic Plan - New Equity Fund Basic Plan - New Fund A Basic Plan - New Fund B Basic Plan - New Fund C Basic Plan - New Gilt Fund Basic Plan - New Infrastructure Fund Basic Plan - New Mid Cap Fund Basic Plan - New Money Market Fund Basic Plan - New Pure Equity Fund Care Plan - Corporate Bond Fund Care Plan - Energy Fund Care Plan - Equity Fund Care Plan - Fund A Care Plan - Fund B Care Plan - Gilt Fund Care Plan - Infrastructure Fund Care Plan - Midcap Fund Care Plan - Money Market Fund Care Plan - Pure Equity Fund Term 10 Plan - New Corporate Bond Fund Term 10 Plan - New Energy Fund Term 10 Plan - New Equity Fund Term 10 Plan - New Fund A Term 10 Plan - New Fund B Term 10 Plan - New Fund C Term 10 Plan - New Gilt Fund Term 10 Plan - New Infrastructure Fund Term 10 Plan - New Mid Cap Fund Term 10 Plan - New Money Market Fund Term 10 Plan - New Pure Equity Fund
Fund Name as in Analyst New Corporate Bond Fund New Energy Fund Equity Plus Fund Super Growth Fund Growth Plus Fund Balanced Fund New Gilt Fund New Infrastructure Fund New Mid Cap Fund New Money Market Fund New Pure Equity Fund Corporate Bond Fund Energy Fund Equity Fund Super Growth Fund Growth Plus Fund Gilt Fund Infrastructure Fund Mid Cap Fund Money Market Fund Pure Equity Fund New Corporate Bond Fund New Energy Fund Equity Plus Fund Super Growth Fund Growth Plus Fund Balanced Fund New Gilt Fund New Infrastructure Fund New Mid Cap Fund New Money Market Fund New Pure Equity Fund
Inseption Date 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 22-Feb-08 1-Aug-08 22-Feb-08 22-Feb-08 22-Feb-08 22-Feb-08 1-Aug-08 1-Aug-08 22-Feb-08 1-Aug-08 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10 1-Jan-10
NAV 10.74 9.42 10.62 10.64 10.68 10.56 10.73 8.37 9.13 10.92 10.21 12.68 10.22 10.26 10.26 11.32 11.56 8.20 10.79 12.74 12.07 10.74 9.42 10.62 10.64 10.68 10.56 10.73 8.37 9.13 10.92 10.21
Investment strategy and risk control
Macro analysis of the economy is carried out by tracking the trends in key economic indicators. Market dynamics are also studied apart from the above to determine our view of the changes likely in the interest rate scenario and equity market movements. Price movements in the market are monitored at all times along with factors that affect them such as the prevailing market sentiments, cash flows in the market and views/actions of key market participants including institutional investors like FIIs and mutual funds. For analyzing the debt markets, yield curve movements and changes in its shape are also studied. The risk appetite and investment objective is clearly defined for each fund keeping in mind the investment horizon, liquidity requirements etc. A range of acceptable holdings under each asset class is determined at the investment policy level. The asset allocation primarily takes into account, the investment objectives, regulatory issues and the likely risk return matrix to obtain a potential return which is the highest achievable for the risk that is assumed. Within the strategic asset allocation, the fund managers determine the weights of the various asset classes; primarily factoring in the developing market scenarios. Based on the investment of objectives of each fund option, a rigorous security selection process is followed. The fixed income fund manager identifies cheaper securities across the yield curve and builds a basket of securities to arrive at the optimum level of yield within the range of pre-determined 'duration' for the entire portfolio after paying particular attention to the liquidity position and the liquidity premium on the securities. An active fund management style is followed or the equity portfolios. A core portfolio of stocks is first created driven by a top-down approach and a research based bottom-up stock selection method is followed. Benchmarks are pre-determined for each fund based on the most appropriate indices available in the market or by constructing proxy benchmarks out of multiple indices. Performance of each fund is continuously tracked based on the benchmarks and recalibrated. A statistical analysis is carried out to determine that the risk levels are in tune with the risk appetite of the particular fund. Statistical tools such as the standard tools such as the standard deviation and risk-adjusted return measures such as the Sharp ratio are calculated in order to compare the returns generated per unit of risk vis--vis benchmarks. The investment policy has been designed by the Board to cover regulatory guidelines, the various product investment objectives, risk appetite strategic asset allocation and the investment style. It is ensued that the portfolio is always kept complaint with the relevant regulations. Our rigorous process and risk/compliance controls are well documented.
Macro Analysis Appreciation of Market

Dynamics
Meeting Investment
Objective vis--vis Risk Appetite
Asset Allocation Strategy Security

Selection- Portfolio Constriction
Benchmark Risk Management /

Portfolio Evolution/ Diagnostics
Governance and
Process
the analyst expressions
Gross Fund Return

Gross return for a fund is defined as the return calculated on an NAV basis plus the fund management fees which are debited periodically to the fund. We calculate gross fund returns in order to give uniformity while evaluating fund management performance as the fund management fees vary from company to company. Fund management charges are a matter of policy decision by the top management of a life insurance company. Hence, even if two funds from two different fund management companies give the same returns, the returns may not reflect that if they are calculated on an NAV basis. We shall highlight this with the help of an example. Reliance Life Insurance Balanced Fund NAV based Return=11.50 % Fund Management Fee=2% Gross Fund Return=13.50% XYZ Insurance Company Balanced Fund NAV based Return=10.50% Fund Management Fee=3% Gross Fund Return=13.50%.
Gross Fund Return
As seen above, though the gross return of both the companies were same, Reliance Life Insurance showed a higher NAV based return as the fund management fees were lower. Please note that the returns as given in The Analyst for all funds are computed on a gross basis.
Benchmark Return
Benchmark Return
A benchmark is a standard against which the performance of an investment can be measured. Benchmarks are pre-determined primarily on the basis of the asset allocation structure of the fund. Benchmarks can be readily available in the market or have to be constructed. The CNX Nifty is a readily available benchmark for our equity portfolio manager as the equity fund primarily invests in equities. However, the benchmark for the Growth Fund of Reliance Life Insurance has been constructed as 60% of CRISIL Short Term Bond Index and 40% of CNX Nifty as the asset allocation of the growth fund is 60% of debt and 40% of equity. (Please refer to the Growth Fund page of The Analyst).
Fund Standard Deviation
Fund Sharpe Ratio
Fund Standard Deviation

Risk of investing in a fund is identified by the volatility of the fund's periodic returns. Standard deviation measures the volatility of the fund's returns for a given time period. In other words, Fund Standard Deviation for a particular time period gives us the deviation from the mean returns, that has occurred for that fund during that time period. For e.g. let us assume that the Balanced Fund has generated an average (mean) return of 11.55% for the last 2 years and that the corresponding standard deviation was 4.44%. That means that during the last 2 year time period, the balanced fund return varied between 15.99% (i.e. 11.55+ 4.44) and 7.11% (i.e. 11.55-4.44) during 65% of the time. Higher the standard deviation, the greater the volatility, and therefore, the greater the risk of investing in that fund. Thus, an investor has more information available at his disposal to evaluate the quality of performance of the fund and how volatile its returns are. To carry it a step further, it is highly unlikely that a fund's return in any one year will be exactly the average. Rather, it will always be either higher or lower than the average. Thus, standard deviation teaches us to look beyond the average annual return figures that are touted by investment advisors.
Fund Sharpe Ratio

Sharpe ratio of a fund tells us how much return the fund has been able to generate per unit of risk. The higher the Sharpe Ratio, the better the performance of a fund from a risk point of view. The excess return generated by a fund for a particular time period is first calculated by subtracting the risk free rate from the rate of return generated by that fund during that time period. Dividing this result by the standard deviation of the fund return during that time period, one can obtain the Sharpe ratio. Sharpe Ratio = Excess return / Annualized standard deviation of fund return The "risk-free return" is the annualized return currently available on "risk-free" investments. This is usually assumed to be the return on a short government security like Treasury bill. A government security is sovereign credit which is the nearest to a risk free asset that one can get. For our calculations of the Sharpe ratios for all funds as given in the Analyst, we have assumed this risk free rate of interest to be at 5%.
the analyst expressions

Contd...
We shall assume that 9.85% was the annualized gross return for a 3-year time period for the balanced fund, 5% p.a. was the assumed risk free rate of return as discussed above and 4.14% p.a. was the standard deviation of this 3-year return. The Sharpe ratio can be calculated as follows: (9.85-5)%/4.14%=1.17. The Sharpe ratio tells us whether the returns of a portfolio are due to smart investment decisions or a result of excess risk. This measurement is very useful because although one portfolio or fund can reap higher returns than its peers, it is only a good investment if those higher returns do not come with too much additional risk. The greater a portfolio's Sharpe ratio, the better its risk-adjusted performance has been.
Benchmark Sharpe Ratio

Just as the fund returns are compared to a benchmark return, the Sharpe ratio of the fund is also compared to the benchmark's Sharpe ratio in order to evaluate the risk-adjusted performance. In our example above, let us assume that the benchmark Sharpe ratio of the balanced fund for the last 3 years is 0.98. This means that over a three-year time period, the Balanced Fund of Reliance Life Insurance has given a higher risk-adjusted return than the comparable risk-adjusted return provided by the constructed benchmark. While calculating the benchmark Sharpe ratio of 0.98, let us assume that 9.10% was the annualized gross return provided by the constructed benchmark for the balanced fund for the last 3-year time period, 5% p.a. was the assumed risk free rate of return, and 4.21% p.a. was the standard deviation of the 3-year benchmark return. The benchmark Sharpe ratio for the Balanced Fund for the last three years has been calculated as follows: (9.10-5)%/4.21%=0.98.
Benchmark Sharpe Ratio
Modified Duration Of Debt Profile
Modified Duration of Debt Portfolio

The value of a fund's debt portfolio is sensitive to changes in interest rates. When interest rates rise, bond prices fall, and vice versa. Generally, a debt portfolio comprising of bonds with higher maturities will have a higher price fluctuation than a portfolio comprising of bonds with lower maturities. Modified duration, indicates the sensitivity of the value of the debt portfolio to any given change in interest rates. Modified Duration is derived from Duration, which represents a weighted average of the time periods to maturity. Modified Duration gives one an immediate rule of thumb -- the percentage change in the price of a bond is the duration multiplied by the change in interest rates. So, if a bond has duration of 10 years and interest rates fall from 8% to 7.5% (a drop of 0.50 percentage points), the bond's price will rise by approximately 5% (i.e. 10 x 0.50%). Let us assume that the modified duration for the Balanced Fund is 2.03. If interest rates drop from 8% to 7.5%, the value of this debt portfolio will rise by 1.015% (i.e. 2.03 x 0.50%). Similarly, when interest rates rise from 8% to 8.5%, say, the value of this debt portfolio will fall by 1.015%.
Fund Beta
Fund Beta
Beta measures the risk of a security (say a particular stock) in relation to its broad market. The broad market is generally defined as the specified benchmark index. The Beta assigned to the benchmark index is 1. Beta of the stock describes the sensitivity of the price of the stock to the benchmark index. (For the more statistically inclined readers, Beta is the slope of the regression line). It is generally calculated for equity portfolio/funds. If a stock has a beta of 1, that stock is likely to generate the same returns as the market. If the beta of a stock is more than 1, it means that the stock is likely to give higher returns compared to the market but also at a higher risk as compared to the market. For instance, a stock with beta of 1.2 means that when the market, say Nifty, gives a return of 10 %, that stock is likely to generate returns of 12% ( i.e. 1.2*10%). Similarly, a low beta stock has given lower returns compared to what the market has delivered for a particular time period. For e.g. for a stock with beta of 0.80, if the Nifty gives returns of 10%, the stock is likely to give returns of only half of that, i.e. 8%. (i.e. 0.80*10%) Now we shall see the impact of these two stocks when the market falls. When the Nifty gives negative returns of 10%, i.e the market falls by 10%, the price of the stock with beta of 1.2 will fall by 12%. However, though the price of the stock with the low beta of 0.8 will also fall when the market falls, it will not fall as much as the market. If the market falls by 10%, the price of this scrip will fall only by 8%. The fund beta is nothing but the betas of individual stocks in the equity portfolio multiplied by the weight of that stock in the portfolio. If a fund has a high beta, the equity portfolio of that fund is aggressive and tilted towards high beta stocks and vice versa. Please note that the betas of individual stocks as given in the Equity Fund page of the Analyst have been calculated based on the available prices of the stocks on the NSE for the last 1-yr period.
the analyst
Disclaimer
June 2011
While every care has been taken in the preparation of this document, Reliance Life Insurance Company ltd makes no representation or warranty about the accuracy or completeness of any statement in it including, without limitation, any forecasts. Past performance is not a reliable indicator of future performance. This document has been prepared for the purpose of providing general information, without taking account of any particular investor's objectives, financial situation or needs. An investor should, before making any investment decisions, consider the appropriateness of the investor's objectives, financial situation and needs. This document is solely for the use of the party to whom it is provided. Unit Link Life Insurance Products are different from the traditional insurance products and are subject to the risk factors. The premium paid in Unit Linked Life Insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions. Reliance Life Insurance Company Limited is only the name of the Insurance Company and the specified Unit Linked funds do not in any way indicate the quality of the contract, its future prospects or returns. For more details on RLIC products and respective risk factors, terms and conditions please read respective sales brochure documents carefully before concluding a sale. The respective sales brochure documents for various products are published in the website www.reliancelife.com Insurance is the subject matter of solicitation. Reliance Life Insurance Company Limited is a licensed life insurance company registered with the Insurance Regulatory and Development Authority (Registration No: 121) in accordance with the provisions of the Insurance Act 1938.

Monthly Fund Factsheet: Investment Philosophy

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Monthly Fund Factsheet: Investment Philosophy

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the analyst

monthly fund factsheet

gross return (CAGR*) (%) As on May 31, 2011 funds

date of since inception inception

% 1.87 1.73 -1.06 -10.93 0.08

310.22 102.70 22252

313.51 113.93 22233

Forex Reserves updated as on 27th May 2011

NA -10.62% January, 2010

FIIs (Rs Crs) Mfs (Rs Crs)

% Change -3.31 -3.29 -1.66 -5.50

18503 5560 8065 8236

9.10 9.38 9.09 4.59

% Change -1.88 -1.32 -0.15 -1.58

Dow Jones FTSE 100 Hang Seng Nikkei

12570 5990 23684 9694

12811 6070 23721 9850

% Change -1.57 -4.66 0.42 -4.08 -3.40 -2.44

2975 8784 13092 12543 9594 5994

3023 9214 13037 13077 9932 6144

Fixed Income Indicators (%)

NSE Mibor 91 Day T-Bill 182 Day T-Bill

7.40 8.10 8.23 8.25 8.49 8.41 9.74 9.77 3.06

6.89 7.45 7.65 7.83 8.24 8.13 9.31 9.24 3.29

fund standard deviation

benchmark standard deviation

fund sharpe ratio

benchmark sharpe ratio

last 5 year (CAGR*) since inception (CAGR*) date of inception

portfolio As on May 31, 2011

asset allocation as on May 31, 2011

fund risk profile

low to moderate moderate moderate to high

total money market instruments

fund characteristics as on May 31, 2011

growth of initial investment of Rs. 10,000 in MRP

total equity total money market instruments total net assets

91.13 8.87 100.00

target asset allocation

Pure Equity Fund

fund standard deviation

benchmark standard deviation

fund sharpe ratio

benchmark sharpe ratio

portfolio As on May 31, 2011

asset allocation as on May 31, 2011

fund risk profile

low to moderate moderate moderate to high

fund characteristics as on May 31, 2011

growth of initial investment of Rs. 10,000 in SIP

total equity total money market instruments total net assets

target asset allocation

fund standard deviation

benchmark standard deviation

fund sharpe ratio

benchmark sharpe ratio

*CAGR: Compounded Annual Growth Rate

portfolio As on May 31, 2011

asset allocation as on May 31, 2011

fund risk profile

low to moderate moderate moderate to high

total money market instruments

last 5 year (CAGR) since inception (CAGR) date of inception