TheAnalyst May2012

the analyst
monthly fund factsheet for May 2012
the analyst
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.
May 2012
monthly fund factsheet
Indian Economy
Index of Industrial Production printed at 4.1% for the month of February '12 as compared to 1.1% revised downwards for January'12. This indicates a volatile trajectory for industrial output along with softening growth going further in the financial year 2011-2012. WPI Inflation showed signs of easing at 6.89% for March as compared to 6.95% for the month of February. This was primarily driven by easing of food inflation and Core inflation moving below the 5% mark.
Economy Indicators
30th Apr 12
30th Mar 12
% Change 3.33 2.02 0.07 1.76 5.42
Debt Market
10Y g-sec Benchmark moved up from 8.54% to 8.68% during the month of April due to gross market borrowing of 5.7 lakh crore. April showed Liquidity easing with 3 Month and 1 Year CDs trading at 9.5% and 9.7% on an average respectively on account of Gilt redemptions and government spending . Repo tender of RBI continued to get bids around 1 lakh crores.
1 2 3 1 1
Rs./$ WPI Inflation Index Forex Reserves ($ bn) Oil Price ($ per Barrel) Gold (Rs. per 10gm)
52.70 163.10 294.60 104.87
50.95 159.80 294.40 103.02
29175.00 27594.00
Debt Outlook:
Investments 30th Apr 12 30th Mar 12 Absolute Change
4 4
FIIs (Rs Crs) Mfs (Rs Crs)
479.53
962.65
-483 -79
-246.81 -167.32
Indices
1 1 1 1
30th Apr 12
30th Mar 12
% Change -0.49 -0.90 -3.12 2.04
With growth for FY12 expected to be sub 7% figure , RBI reversed its monetary policy by 50bps cut in Repo rate. Interest rates will ease marginally going further on account of expected RBI rate cuts in Q1 FY13. The quantum of further rate cuts however is expected to be shallow . Headline Inflation is expected to be around 7%. Growth is expected to improve slightly above 7% on account of consumption growth.
BSE Sensex S&P CNX Nifty CNX Mid Cap BSE Small Cap
17318.81 17404.20 5248.15 7471.05 6764.62 5295.55 7711.40 6629.38
Equity Market
Markets in April were volatile with the benchmark Sensex marginally declining by 0.49%.The markets in April were tepid due to lack of fresh cues and complete lack of flows from overseas investors due to General Anti Avoidance Rules (GAAR) enacted in budget for FY12-13. The RBI surprised the markets positively by cutting interest rates for the first time in three years. The central bank slashed its repo rate by 50 basis points to ease the liquidity situation in the money markets and support faltering economic growth. However, the RBI left the Cash Reserve Ratio rate unchanged at 4.75%. However inflation continues to be a concern with the Consumer Price Inflation surging to 9.4% in March compared to 8.33% in February 2012. IT sector reported a mixed set of numbers while Telecom stocks declined on concerns that the increase in spectrum reserve price proposed by the Telecom Regulatory Authority of India may result in huge capital expenditure for telecom operators.
Global Indices
1 1 1 1
30th Apr 12
30th Mar 12
% Change 0.01 -0.53 2.62 -5.18
Dow Jones FTSE 100 Hang Seng Nikkei
13214 5738 21094 9561
13212 5768 20556 10084
Sectoral Indices
1 1 1 1 1 1
30th Apr 12
30th Mar 12
% Change -5.83 -0.71 -6.17 0.66 -1.52 -6.21
CNX Infrastructure CNX Energy BSE Capital Goods BSE Bankex BSE Oil & Gas BSE IT
2362.80 7503.30 9409.09 11828.63 7964.63 5704.31
2509.15 7557.20 10027.92 11751.18 8087.50 6081.87
Equity Outlook:
The markets in May are expected to be volatile primarily driven by earnings, rupee depreciation and clarity on GAAR. On the global front the key triggers would be election results in France, Greece and economic data in the US.
Fixed Income Indicators (%)

1 1 1 1
30th Apr 12
30th Mar 12
Absolute Change 0.18 -0.54 -0.24 -0.12 0.00 0.13 -0.14 -0.17 -0.30
NSE Mibor 91 Day T-Bill 182 Day T-Bill
8.79 8.40 8.38 8.09 8.55 8.67 9.38 9.65 1.91
8.61 8.93 8.62 8.20 8.55 8.54 9.52 9.83 2.21
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
RBI and
SEBI
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fund snapshot
gross return (CAGR*) (%) As on April 30, 2012 asset allocation 100% equity 100% equity 100% equity 100% equity 100% equity 100% equity 100% equity 100% equity 100% pure equity 100% pure equity 100% pure equity 100% pure equity 100% pure equity 100% equity 100% equity 100% equity 100% equity 100% equity 100% equity 100% equity 100% equity 100% equity 100% equity 100% equity 100% equity 100% equity 100% equity 100% equity 80% equity, 20% debt 80% equity, 20% debt 80% equity, 20% debt 60% equity, 40% debt 60% equity, 40% debt 50% equity, 50% debt 50% equity, 50% debt 50% equity, 50% debt 40% equity, 60% debt 40% equity, 60% debt 40% equity, 60% debt 40% equity, 60% debt 20% equity, 80% debt 20% equity, 80% debt 20% equity, 80% debt funds Life Equity Fund 1 Life Equity Fund 2 Life Equity Fund 3 Pension Equity Fund 1 Pension Equity Fund 2 Pension Equity Fund 3 Health Equity Fund 1 Health Equity Fund 2 Life Pure Equity Fund 1 Life Pure Equity Fund 2 Pension Pure Equity Fund 1 Pension Pure Equity Fund 2 Health Pure Equity Fund 1 Life Infrastructure Fund 1 Life Infrastructure Fund 2 Pension Infrastructure Fund 1 Pension Infrastructure Fund 2 Health Infrastructure Fund 1 Life Energy Fund 1 Life Energy Fund 2 Pension Energy Fund 1 Pension Energy Fund 2 Health Energy Fund 1 Life Midcap Fund 1 Life Midcap Fund 2 Pension Midcap Fund 1 Pension Midcap Fund 2 Health Midcap Fund 1 Life Super Growth Fund 1 Life Super Growth Fund 2 Health Super Growth Fund 1 Life High Growth Fund 1 Life High Growth Fund 2 Life Growth Plus Fund 1 Life Growth Plus Fund 2 Health Growth Plus Fund 1 Life Growth Fund 1 Life Growth Fund 2 Pension Growth Fund 1 Pension Growth Fund 2 Life Balanced Fund 1 Pension Balanced Fund 1 Pension Balanced Fund 2 Last 1 Year -7.03% -7.07% -5.60% -7.14% -7.06% -5.57% -7.19% -5.38% -7.88% -7.61% -8.10% -7.27% -8.31% Last 2 Last 3 Year Year 1.67% 16.93% 1.67% 17.11% 0.71% NA 1.61% 16.88% 1.68% 17.04% 0.72% 0.82% -0.36% -0.18% NA NA NA NA 1.60% 16.98% -0.43% 14.78% -0.55% 14.68% -0.73% 14.51% NA NA
-18.68% -13.54% -0.70% -15.78% -12.20% -15.72% -12.17% -18.66% -13.53% -0.77% -18.79% -13.67% -0.82% -12.58% -3.72% 5.20% -14.04% -4.55% -13.90% -4.47% -2.59% -0.86% -2.59% -0.73% -2.64% -3.53% -4.20% -3.78% -0.30% -0.59% 1.59% 1.25% 0.29% 2.23% 2.26% 2.45% 2.40% 5.54% 5.62% 5.91% NA NA -12.66% -3.77% 5.05% -13.03% -4.04% 4.91% -3.77% 19.85% -3.14% -3.08% NA NA -3.77% 19.77% -3.87% 19.76% 2.43% 13.55% 2.08% NA 2.26% 13.40% 3.87% 12.32% 3.72% 4.43% 4.18% NA NA 9.97% 4.61% 11.59% 3.90% 11.07% 4.22% 10.07% 4.29% 10.08% 4.29% 5.52% 5.69% 5.84% NA 8.28% 8.47% NA
fund snapshot
gross return (CAGR*) (%) As on April 30, 2012 asset allocation 100% debt Instruments 100% debt Instruments 100% debt Instruments 100% govt. securities 100% govt. securities 100% govt. securities 100% govt. securities funds Life Guaranteed Bond Fund - 1 Pension Guaranteed Bond Fund - 1 Life Pure Debt Fund 1 Life Gilt Fund 1 Life Gilt Fund 2 Pension Gilt Fund 1 Health Gilt Fund 1 Last 1 Year 9.05% 9.04% 8.03% 6.30% 6.69% 6.39% 6.86% 9.53% 9.57% 8.64% 8.72% 8.61% 8.62% 9.84% 9.77% 9.75% 9.65% 9.75% -7.08% NA 0.87% Last 2 Year 7.25% 7.24% 6.81% 6.22% NA 6.26% 6.49% 8.56% 8.57% 7.16% NA 7.15% 7.15% 8.90% NA 8.84% 8.79% 8.85% NA NA 4.21% Last 3 Year 7.62% 7.67% 7.12% 5.04% NA 5.05% 5.20% 8.17% 8.18% 7.66% NA 7.52% 7.52% 8.62% NA 8.56% NA 8.59% NA NA NA
100% money market instruments Life Capital Secure Fund 1 100% money market instruments Pension Capital Secure Fund 1 100% bond instruments 100% bond instruments 100% bond instruments 100% bond instruments Life Corporate Bond Fund 1 Life Corporate Bond Fund 2 Pension Corporate Bond Fund 1 Health Corporate Bond Fund 1
100% money market instruments Life Money Market Fund 1 100% money market instruments Life Money Market Fund 2 100% money market instruments Pension Money Market Fund 1 100% money market instruments Pension Money Market Fund 2 100% money market instruments Health Money Market Fund 1 Dynamic Dynamic Dynamic Life Highest NAV Advantage Fund 1 Life Highest NAV Advantage Fund 2 Life Highest NAV Guarantee Fund 1
Life Equity Fund 1

fund performance as on April 30, 2012
SFIN :
Fund name gross return 12 month 24 month 36 month returns returns returns -8.72% -0.28% 14.74% -7.03% 1.67% 16.93% 48 month 60 month returns returns 0.40% 5.12% 2.94% 5.74%
ULIF00328/07/04LEQUITYF01121
Benchmark
Life Equity Fund 1
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.
portfolio As on April 30, 2012

security % total net assets 1-yr beta
fund characteristics as on April 30, 2012 Fund Beta 0.96
equity
fund risk profile
low
low to moderate moderate moderate to high
high
ASSOCIATED CEMENT COMPANIES LTD. AUROBINDO PHARMA LTD FV1 AXIS BANK LIMITED BAJAJ AUTO LTD BANK OF BARODA BHARAT FORGE BHARAT HEAVY ELECTRICALS LTD.FV-2 BHARTI AIRTEL LIMITED CAIRN INDIA LIMITED COAL INDIA LIMITED CROMPTON GREAVES LTD D.B. CORP LIMITED DIVIS LABORATORIES LIMITED EXIDE INDUSTRIES LTD GAS AUTHORITY OF INDIA LTD. HDFC BANK LTD.FV-2 HDFC LTD FV 2 HEXA TRADEX LIMITED HINDALCO INDUSTRIES LTD FV RE 1 HINDUSTAN LEVER LTD. HINDUSTAN ZINC LIMITEDFV-2 HT MEDIA LIMITED ICICI BANK LTD. INFOSYS LIMITED IRB INFRASTRUCTURE DEVELOPERS LIMITED ITC - FV 1 JAIPRAKASH ASSOCIATE JINDAL SAW LIMITED FV2 JINDAL STEEL & POWER LTD. KIRLOSKAR CUMMINS LARSEN&TUBRO LUPIN LIMITEDFV-2 MAHINDRA & MAHINDRA LTD.-FV5 MARUTI UDYOG LTD. MOTHERSON SUMI SYSTEMS LTD. MULTI COMMODITY EXCHANGE OF INDIA LIMITED NCC LIMITED NTPC LIMITED OIL INDIA LIMITED ONGCFV-5 POWER FINANCE CORPORATION PUNJAB NATIONAL BANK RANBAXY FV RS 5 RELIANCE INDUSTRIES LTD. SHRIRAM TRANSPORT FINANCE CO. LTD. SINTEX INDUSTRIES LTD.FV-1 SML ISUZU LIMITED STATE BANK OF INDIA STERLITE INDUSTRIES FV 1 STRIDES ARCOLAB LIMITED SUN PHARMACEUTICAL INDUSTRIES LTD.FV-1 TATA CONSULTANCY SERVICES LTD. TATA IRON & STEEL COMPANY LTD TATA MOTORS LIMITED DVRFV-2 TATA MOTORS LTD.FV-2 ULTRATECH CEMCO LTD UNITED PHOSPHOROUS LTD WIPRO YES BANK LTD ZEE ENTERTAINMENT ENTERPRISES LIMITED
0.45 0.46 2.38 1.28 1.40 0.58 1.46 1.90 1.33 0.05 0.52 0.61 5.14 0.46 0.90 4.68 1.70 0.10 0.28 1.62 0.97 0.54 6.10 6.37 0.34 7.51 1.29 1.12 1.29 2.60 2.39 1.68 2.57 1.12 0.95 0.12 0.32 0.87 0.71 1.64 0.37 1.14 0.61 6.85 0.27 0.32 0.49 3.11 1.36 1.41 1.04 3.57 0.59 0.38 1.62 1.39 0.33 0.53 0.95 0.12
0.37 0.48 2.74 1.13 1.09 0.61 1.40 1.50 1.39 0.03 0.61 0.33 3.20 0.31 0.61 4.36 1.73 0.00 0.41 0.92 1.03 0.41 8.20 5.96 0.44 5.70 1.95 1.14 1.62 1.66 2.62 0.85 2.64 0.86 0.79 0.00 0.49 0.74 0.35 1.18 0.52 1.07 0.49 7.99 0.33 0.40 0.20 3.58 2.09 1.21 0.76 3.48 0.82 0.51 2.43 0.95 0.33 0.46 1.24 0.09
asset allocation as on April 30, 2012

% total net asset
MONEY MARKET INSTRU MENTS 5.76
EQUITY
94.24
total equity total money market instruments total net assets
94.24 5.76 100.00
target asset allocation

Equity: 100%
benchmark construction
S&P CNX Nifty: 100%
Life Equity Fund 2

SFIN :
Fund name gross return 12 month 24 month 36 month returns returns returns -8.72% -0.28% 14.74% -7.07% 1.67% 17.11%
Benchmark
Life Equity Fund 2
fund objective

equity
fund risk profile
low
high
0.40 0.47 2.40 1.14 1.41 0.56 1.45 1.90 1.34 0.05 0.51 0.66 4.79 0.47 0.90 4.68 1.69 0.09 0.28 1.62 0.92 0.50 6.11 6.46 0.34 7.51 1.29 1.02 1.29 2.33 2.39 1.65 2.55 1.29 0.88 0.12 0.29 0.86 0.70 1.59 0.38 1.17 0.59 6.81 0.06 0.32 0.49 3.13 1.36 1.34 1.03 3.60 0.57 0.39 1.68 1.38 0.35 0.57 0.96 0.12
0.33 0.49 2.77 1.01 1.10 0.59 1.40 1.49 1.41 0.03 0.60 0.35 2.98 0.32 0.61 4.36 1.71 0.00 0.41 0.91 0.98 0.38 8.20 6.04 0.44 5.69 1.95 1.04 1.63 1.49 2.62 0.84 2.62 0.99 0.73 0.00 0.45 0.73 0.34 1.14 0.53 1.10 0.48 7.95 0.07 0.40 0.20 3.61 2.09 1.15 0.75 3.51 0.80 0.54 2.53 0.95 0.35 0.48 1.25 0.08

% total net asset
EQUITY
93.22
93.22 6.78 100.00

Equity: 100%
S&P CNX Nifty: 100%
Life Equity Fund 3

SFIN :
gross return Fund name 12 month 24 month returns returns -8.72% -0.28% -5.60% 0.71%
Benchmark
Life Equity Fund 3
fund objective

equity
fund risk profile
low
high
ASSOCIATED CEMENT COMPANIES LTD. AUROBINDO PHARMA LTD FV1 AVENTIS PHARMA LIMITED AXIS BANK LIMITED BAJAJ AUTO LTD BANK OF BARODA BHARAT FORGE BHARAT HEAVY ELECTRICALS LTD.FV-2 BHARTI AIRTEL LIMITED CAIRN INDIA LIMITED COAL INDIA LIMITED CROMPTON GREAVES LTD D.B. CORP LIMITED DIVIS LABORATORIES LIMITED EXIDE INDUSTRIES LTD GAS AUTHORITY OF INDIA LTD. HDFC BANK LTD.FV-2 HDFC LTD FV 2 HEXA TRADEX LIMITED HINDUSTAN LEVER LTD. HINDUSTAN ZINC LIMITEDFV-2 HT MEDIA LIMITED ICICI BANK LTD. INFOSYS LIMITED IRB INFRASTRUCTURE DEVELOPERS LIMITED ITC - FV 1 JAIPRAKASH ASSOCIATE JINDAL SAW LIMITED FV2 JINDAL STEEL & POWER LTD. JSW STEEL LIMITED KIRLOSKAR CUMMINS LARSEN&TUBRO LUPIN LIMITEDFV-2 MAHINDRA & MAHINDRA LTD.-FV5 MARUTI UDYOG LTD. MULTI COMMODITY EXCHANGE OF INDIA LIMITED NCC LIMITED OIL INDIA LIMITED ORIENT GREEN POWER COMPANY LIMITED POWER FINANCE CORPORATION PUNJAB NATIONAL BANK RADICO KHAITAN LIMITED RELIANCE INDUSTRIES LTD. SINTEX INDUSTRIES LTD.FV-1 STATE BANK OF INDIA STERLITE INDUSTRIES FV 1 STRIDES ARCOLAB LIMITED SUN PHARMACEUTICAL INDUSTRIES LTD.FV-1 TATA CONSULTANCY SERVICES LTD. TATA IRON & STEEL COMPANY LTD TATA MOTORS LIMITED DVRFV-2 TATA MOTORS LTD.FV-2 ULTRATECH CEMCO LTD WIPRO YES BANK LTD
0.12 0.65 1.90 2.59 1.27 1.44 0.60 1.10 1.48 1.29 0.12 0.31 0.96 3.40 0.97 0.86 3.86 2.18 0.07 1.71 0.99 0.33 5.49 6.89 0.15 5.95 0.52 1.03 1.36 0.88 1.23 2.03 1.11 2.22 1.08 0.10 0.72 1.04 0.63 0.59 1.37 1.72 5.29 0.37 3.63 1.15 1.03 1.04 3.17 0.73 1.23 0.56 1.09 1.94 1.15
0.10 0.69 0.99 2.99 1.12 1.12 0.63 1.06 1.17 1.35 0.07 0.36 0.52 2.12 0.65 0.59 3.60 2.21 0.00 0.96 1.05 0.25 7.38 6.45 0.19 4.51 0.79 1.04 1.71 1.43 0.79 2.23 0.56 2.29 0.83 0.00 1.10 0.51 0.79 0.82 1.29 0.83 6.18 0.47 4.18 1.76 0.88 0.76 3.08 1.02 1.69 0.85 0.74 1.65 1.50

% total net asset
EQUITY
86.66
86.66 13.34 100.00

Equity: 100%
S&P CNX Nifty: 100%
Pension Equity Fund 1

SFIN :
ULIF00601/11/06PEQUITYF01121
Fund name gross return 12 month 24 month 36 month 48 month 60 month returns returns returns returns returns -8.72% -0.28% 14.74% 0.40% 5.12% -7.14% 1.61% 16.88% 2.70% 5.60%
Benchmark
fund objective

equity
fund risk profile
low
high
ASSOCIATED CEMENT COMPANIES LTD. AUROBINDO PHARMA LTD FV1 AXIS BANK LIMITED BAJAJ AUTO LTD BANK OF BARODA BHARAT FORGE BHARAT HEAVY ELECTRICALS LTD.FV-2 BHARTI AIRTEL LIMITED CAIRN INDIA LIMITED COAL INDIA LIMITED CROMPTON GREAVES LTD D.B. CORP LIMITED DIVIS LABORATORIES LIMITED EXIDE INDUSTRIES LTD GAS AUTHORITY OF INDIA LTD. HDFC BANK LTD.FV-2 HDFC LTD - EQUITY WARRANT FV2 HDFC LTD FV 2 HEXA TRADEX LIMITED HINDALCO INDUSTRIES LTD FV RE 1 HINDUSTAN LEVER LTD. HINDUSTAN ZINC LIMITEDFV-2 HT MEDIA LIMITED ICICI BANK LTD. INFOSYS LIMITED IRB INFRASTRUCTURE DEVELOPERS LIMITED ITC - FV 1 JAIPRAKASH ASSOCIATE JINDAL SAW LIMITED FV2 JINDAL STEEL & POWER LTD. KIRLOSKAR CUMMINS LARSEN&TUBRO LUPIN LIMITEDFV-2 MAHINDRA & MAHINDRA LTD.-FV5 MARUTI UDYOG LTD. MOTHERSON SUMI SYSTEMS LTD. MULTI COMMODITY EXCHANGE OF INDIA LIMITED NCC LIMITED NTPC LIMITED OIL INDIA LIMITED ONGCFV-5 POWER FINANCE CORPORATION PUNJAB NATIONAL BANK RANBAXY FV RS 5 RELIANCE INDUSTRIES LTD. SHRIRAM TRANSPORT FINANCE CO. LTD. SINTEX INDUSTRIES LTD.FV-1 SML ISUZU LIMITED STATE BANK OF INDIA STERLITE INDUSTRIES FV 1 STRIDES ARCOLAB LIMITED SUN PHARMACEUTICAL INDUSTRIES LTD.FV-1 TATA CONSULTANCY SERVICES LTD. TATA IRON & STEEL COMPANY LTD TATA MOTORS LIMITED DVRFV-2 TATA MOTORS LTD.FV-2 ULTRATECH CEMCO LTD UNITED PHOSPHOROUS LTD WIPRO YES BANK LTD ZEE ENTERTAINMENT ENTERPRISES LIMITED
0.45 0.46 2.37 1.28 1.40 0.57 1.45 1.89 1.32 0.05 0.52 0.60 4.95 0.46 0.89 4.66 0.00 1.69 0.10 0.24 1.62 0.98 0.52 6.07 6.36 0.35 7.47 1.27 1.07 1.28 2.44 2.38 1.66 2.55 1.12 0.89 0.12 0.32 0.87 0.71 1.62 0.37 1.14 0.61 6.80 0.27 0.32 0.49 3.10 1.36 1.45 1.03 3.56 0.58 0.38 1.59 1.38 0.35 0.55 0.95 0.12
0.37 0.49 2.74 1.13 1.09 0.60 1.39 1.49 1.39 0.03 0.61 0.32 3.09 0.31 0.61 4.34 0.00 1.72 0.00 0.35 0.91 1.04 0.39 8.15 5.95 0.46 5.67 1.93 1.09 1.62 1.56 2.61 0.84 2.63 0.86 0.73 0.00 0.50 0.73 0.35 1.16 0.52 1.07 0.49 7.94 0.32 0.40 0.20 3.57 2.08 1.24 0.75 3.47 0.80 0.52 2.39 0.94 0.35 0.47 1.23 0.08

% total net asset
EQUITY
93.40
93.40 6.60 100.00

Equity: 100%
S&P CNX Nifty: 100%

SFIN :
gross return Fund name 12 month 24 month 36 month 48 month returns returns returns returns 0.40% -8.72% -0.28% 14.74% 2.92% -7.06% 1.68% 17.04%
Benchmark
fund objective

equity
fund risk profile
low
high
0.45 0.45 2.39 1.28 1.40 0.57 1.45 1.89 1.32 0.05 0.51 0.58 4.80 0.46 0.89 4.67 1.70 0.10 0.25 1.61 0.97 0.50 6.10 6.41 0.34 7.50 1.26 1.04 1.29 2.48 2.39 1.66 2.69 1.12 0.87 0.11 0.32 0.86 0.72 1.61 0.37 1.15 0.59 6.83 0.27 0.31 0.49 3.12 1.35 1.41 1.03 3.59 0.58 0.38 1.58 1.38 0.33 0.54 0.95 0.12
0.37 0.48 2.76 1.14 1.09 0.60 1.40 1.49 1.39 0.03 0.60 0.31 2.99 0.31 0.61 4.36 1.73 0.00 0.36 0.91 1.03 0.38 8.19 6.00 0.44 5.69 1.92 1.06 1.62 1.58 2.62 0.84 2.77 0.86 0.72 0.00 0.49 0.72 0.35 1.15 0.52 1.08 0.48 7.98 0.33 0.39 0.20 3.59 2.08 1.21 0.75 3.50 0.80 0.52 2.37 0.95 0.33 0.46 1.24 0.08

% total net asset
EQUITY
93.44
93.44 6.56 100.00

Equity: 100%
S&P CNX Nifty: 100%

SFIN :
gross return Fund name 12 month 24 month returns returns -8.72% -0.28% -5.57% 0.72%
Benchmark
fund objective

equity
fund risk profile
low
high
0.12 0.68 2.05 2.69 1.26 1.42 0.61 1.09 1.46 1.28 0.11 0.33 1.02 3.55 0.97 0.87 3.80 2.16 0.08 1.70 1.01 0.36 5.41 6.76 0.17 5.85 0.54 1.05 1.35 0.88 1.24 2.02 1.11 2.19 1.07 0.10 0.74 1.01 0.69 0.60 1.36 1.81 5.10 0.39 3.60 1.15 1.05 1.05 3.10 0.74 1.27 0.57 1.09 1.91 0.92
0.10 0.72 1.07 3.10 1.12 1.11 0.64 1.06 1.15 1.34 0.07 0.39 0.55 2.21 0.65 0.59 3.54 2.19 0.00 0.96 1.07 0.27 7.27 6.33 0.22 4.44 0.82 1.07 1.70 1.43 0.79 2.21 0.56 2.25 0.82 0.00 1.13 0.49 0.86 0.84 1.28 0.88 5.96 0.49 4.14 1.76 0.90 0.76 3.01 1.03 1.74 0.86 0.74 1.63 1.19

% total net asset
EQUITY
86.50
86.50 13.50 100.00

Equity: 100%
S&P CNX Nifty: 100%
Health Equity Fund 1

SFIN :
ULIF01201/02/08HEQUITYF01121
gross return Fund name Benchmark Health Equity Fund 1 12 month 24 month 36 month 48 month returns returns returns returns -7.19% 1.60% 16.98% 2.87% -7.19% 1.60% 16.98% 2.87%
fund objective

equity
fund risk profile
low
high
0.45 0.45 2.37 1.27 1.40 0.57 1.44 1.89 1.32 0.04 0.51 0.58 4.85 0.46 0.89 4.65 1.69 0.10 0.50 1.62 0.95 0.51 6.07 6.36 0.34 7.47 1.27 1.03 1.28 2.44 2.38 1.66 2.55 1.11 0.87 0.12 0.32 0.86 0.72 1.61 0.37 1.15 0.59 6.79 0.27 0.32 0.49 3.10 1.36 1.39 1.03 3.56 0.58 0.38 1.59 1.38 0.34 0.55 0.95 0.12
0.37 0.48 2.74 1.13 1.09 0.60 1.39 1.49 1.38 0.03 0.60 0.31 3.02 0.31 0.61 4.34 1.72 0.00 0.73 0.91 1.01 0.38 8.15 5.95 0.44 5.66 1.93 1.05 1.61 1.56 2.61 0.84 2.63 0.85 0.72 0.00 0.50 0.73 0.35 1.16 0.52 1.08 0.48 7.93 0.32 0.40 0.20 3.57 2.08 1.19 0.75 3.47 0.80 0.52 2.39 0.94 0.34 0.47 1.23 0.08

% total net asset
EQUITY
93.31
93.31 6.69 100.00

Equity: 100%
S&P CNX Nifty: 100%

SFIN :
ULIF05411/01/10HEQUITYF02121
gross return Fund name 12 month 24 month returns returns -0.28% -8.72% 0.82% -5.38%
Benchmark
fund objective

equity
fund risk profile
low
high
0.12 0.71 1.84 2.70 1.28 1.44 0.62 1.11 1.49 1.30 0.12 0.34 0.92 3.26 0.99 0.88 3.86 2.19 0.07 1.72 1.04 0.33 5.48 6.85 0.17 5.93 0.56 1.08 1.37 0.87 1.27 2.05 1.13 2.23 1.09 0.09 0.76 1.03 0.62 0.61 1.37 1.61 5.18 0.40 3.65 1.17 1.09 1.07 3.15 0.76 1.29 0.58 1.10 1.82 1.03
0.10 0.75 0.96 3.12 1.13 1.13 0.65 1.07 1.18 1.37 0.07 0.40 0.50 2.03 0.67 0.61 3.60 2.22 0.00 0.97 1.11 0.25 7.36 6.41 0.22 4.50 0.84 1.10 1.73 1.42 0.81 2.25 0.57 2.29 0.83 0.00 1.16 0.50 0.77 0.86 1.28 0.78 6.05 0.50 4.20 1.79 0.93 0.78 3.06 1.05 1.77 0.88 0.75 1.55 1.34

% total net asset
EQUITY
86.79
86.79 13.21 100.00

Equity: 100%
S&P CNX Nifty: 100%
Life Pure Equity Fund 1

SFIN :
ULIF03010/06/08LPUEQUTY01121
gross return Fund name 12 month 24 month 36 month returns returns returns -8.72% -0.28% 14.74% -7.88% -0.43% 14.78%
Benchmark
fund objective

equity
fund risk profile
low
high
ASSOCIATED CEMENT COMPANIES LTD. AVENTIS PHARMA LIMITED BAJAJ AUTO LTD BHARAT HEAVY ELECTRICALS LTD.FV-2 BHARTI AIRTEL LIMITED CAIRN INDIA LIMITED CROMPTON GREAVES LTD DIVIS LABORATORIES LIMITED EXIDE INDUSTRIES LTD GAS AUTHORITY OF INDIA LTD. GRASIM INDUSTRIES LTD. HEXA TRADEX LIMITED HINDALCO INDUSTRIES LTD FV RE 1 HINDUSTAN LEVER LTD. INFOSYS LIMITED JINDAL SAW LIMITED FV2 JINDAL STEEL & POWER LTD. KIRLOSKAR CUMMINS LARSEN&TUBRO LUPIN LIMITEDFV-2 MAHINDRA & MAHINDRA LTD.-FV5 MARUTI UDYOG LTD. MOTHERSON SUMI SYSTEMS LTD. NTPC LIMITED OIL INDIA LIMITED ONGCFV-5 PETRONET LNG LIMITED POWER GRID CORP OF INDIA LTD RANBAXY FV RS 5 RELIANCE INDUSTRIES LTD. SUN PHARMACEUTICAL INDUSTRIES LTD.FV-1 TATA CONSULTANCY SERVICES LTD. ULTRATECH CEMCO LTD VOLTAS LTD
2.15 2.47 2.79 2.76 3.87 3.25 1.73 3.45 2.09 2.46 2.04 0.17 3.28 5.23 6.74 1.82 2.26 2.68 2.83 1.27 2.58 2.12 1.86 2.70 0.81 4.15 0.87 1.64 3.00 7.08 3.45 3.74 1.33 2.00
1.76 1.29 2.47 2.66 3.05 3.41 2.03 2.15 1.40 1.69 1.77 0.00 4.81 2.95 6.31 1.86 2.85 1.72 3.11 0.64 2.66 1.62 1.54 2.28 0.39 2.98 0.62 1.30 2.41 8.27 2.52 3.64 0.91 2.05

% total net asset
EQUITY
92.70
92.70 7.30 100.00

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%

SFIN :
ULIF04601/01/10LPUEQUTY02121
gross return Fund name 12 month 24 month returns returns -0.28% -8.72% -0.36% -7.61%
Benchmark
fund objective

equity
fund risk profile
low
high
ASSOCIATED CEMENT COMPANIES LTD. AVENTIS PHARMA LIMITED BAJAJ AUTO LTD BHARAT HEAVY ELECTRICALS LTD.FV-2 BHARTI AIRTEL LIMITED CAIRN INDIA LIMITED CROMPTON GREAVES LTD DIVIS LABORATORIES LIMITED EXIDE INDUSTRIES LTD GAS AUTHORITY OF INDIA LTD. GRASIM INDUSTRIES LTD. HEXA TRADEX LIMITED HINDALCO INDUSTRIES LTD FV RE 1 HINDUSTAN LEVER LTD. HINDUSTAN ZINC LIMITEDFV-2 INFOSYS LIMITED JINDAL SAW LIMITED FV2 JINDAL STEEL & POWER LTD. KIRLOSKAR CUMMINS LARSEN&TUBRO LUPIN LIMITEDFV-2 MAHINDRA & MAHINDRA LTD.-FV5 MARUTI UDYOG LTD. MOTHERSON SUMI SYSTEMS LTD. NTPC LIMITED OIL INDIA LIMITED ONGCFV-5 PETRONET LNG LIMITED POWER GRID CORP OF INDIA LTD RANBAXY FV RS 5 RELIANCE INDUSTRIES LTD. SUN PHARMACEUTICAL INDUSTRIES LTD.FV-1 TATA CONSULTANCY SERVICES LTD. ULTRATECH CEMCO LTD VOLTAS LTD
1.88 2.83 2.36 2.50 3.84 3.03 1.39 2.82 2.28 3.11 1.73 0.14 2.63 5.27 1.97 7.56 1.64 1.89 2.98 2.82 1.54 2.65 1.85 1.58 2.62 1.27 3.56 0.86 1.57 2.53 6.16 3.62 3.14 1.10 1.89
1.54 1.48 2.09 2.41 3.03 3.18 1.64 1.76 1.53 2.14 1.50 0.00 3.85 2.97 2.09 7.08 1.67 2.38 1.90 3.10 0.78 2.73 1.42 1.30 2.21 0.62 2.56 0.61 1.25 2.04 7.19 2.64 3.05 0.75 1.94

% total net asset
EQUITY
90.61
90.61 9.39 100.00

Pure Equity: 100%
S&P CNX Nifty: 100%
Pension Pure Equity Fund 1

SFIN :
ULIF03504/12/08PPUEQUTY01121
Benchmark
fund objective

equity
fund risk profile
low
high
2.15 3.32 2.76 2.73 4.01 2.52 1.78 3.51 2.07 2.43 2.21 0.20 2.90 4.59 6.67 1.86 2.24 2.66 2.80 1.25 2.55 2.21 1.84 2.67 0.80 4.10 0.85 1.63 2.96 7.00 3.41 3.70 1.32 1.98
1.76 1.73 2.44 2.64 3.16 2.64 2.10 2.19 1.39 1.67 1.92 0.00 4.25 2.59 6.24 1.89 2.82 1.70 3.07 0.63 2.63 1.69 1.52 2.25 0.39 2.94 0.60 1.29 2.39 8.18 2.49 3.60 0.90 2.03

% total net asset
EQUITY
91.68
91.68 8.32 100.00

Pure Equity: 100%
S&P CNX Nifty: 100%

SFIN :
ULIF05301/01/10PPUEQUTY02121
gross return Fund name 12 month 24 month returns returns -0.28% -8.72% -0.18% -7.27%
Benchmark
fund objective

equity
fund risk profile
low
high
1.92 3.10 2.43 2.60 3.12 5.14 1.44 3.00 2.35 3.21 1.78 0.16 3.33 4.09 6.31 1.75 1.97 3.06 2.91 1.58 2.73 2.11 1.62 2.02 1.31 3.65 0.84 1.62 2.61 6.34 3.72 3.23 1.13 1.95
1.57 1.62 2.15 2.50 2.46 5.39 1.69 1.87 1.58 2.20 1.55 0.00 4.88 2.31 5.91 1.79 2.48 1.96 3.18 0.80 2.81 1.62 1.34 1.70 0.64 2.62 0.60 1.28 2.10 7.41 2.71 3.14 0.78 1.99

% total net asset
EQUITY
90.13
90.13 9.87 100.00

Pure Equity: 100%
S&P CNX Nifty: 100%
Health Pure Equity Fund 1

SFIN :
ULIF01601/02/08HPUEQUTY01121
Benchmark
Health Pure Equity Fund 1
fund objective

equity
fund risk profile
low
high
2.10 2.66 2.75 2.78 3.83 3.64 1.67 3.59 2.24 2.80 1.89 0.15 2.41 4.57 6.77 1.86 2.22 2.90 2.94 1.42 2.71 2.28 1.83 2.53 1.01 4.08 0.86 1.68 2.94 7.02 3.65 3.66 1.29 2.04
1.72 1.38 2.43 2.68 3.02 3.81 1.96 2.24 1.51 1.92 1.65 0.00 3.53 2.58 6.33 1.90 2.79 1.85 3.22 0.72 2.79 1.75 1.51 2.14 0.49 2.92 0.61 1.33 2.37 8.19 2.66 3.56 0.89 2.09

% total net asset
EQUITY
92.76
92.76 7.24 100.00

Pure Equity: 100%
S&P CNX Nifty: 100%
Life Infrastructure Fund 1

SFIN :
ULIF02710/06/08LINFRAST01121
gross return fund Name 12 month 24 month 36 month returns returns returns -21.83% -17.29% -5.28% -18.68% -13.54% -0.70%
Benchmark
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'

equity
ASHOKA BUILDCON LTD. BHARAT FORGE BHARAT HEAVY ELECTRICALS LTD.FV-2 BHARTI AIRTEL LIMITED COAL INDIA LIMITED CROMPTON GREAVES LTD EXIDE INDUSTRIES LTD GAS AUTHORITY OF INDIA LTD. GRASIM INDUSTRIES LTD. GREAVES COTTONFV-2 HEXA TRADEX LIMITED HINDUSTAN ZINC LIMITEDFV-2 INDIAN METALS AND FERRO ALLOYS LIMITED INFOSYS LIMITED IRB INFRASTRUCTURE DEVELOPERS LIMITED JAIPRAKASH ASSOCIATE JINDAL SAW LIMITED FV2 JINDAL STEEL & POWER LTD. JYOTI STRUCTURES LTD LARSEN&TUBRO MOTHERSON SUMI SYSTEMS LTD. NCC LIMITED NTPC LIMITED ORIENT GREEN POWER COMPANY LIMITED POWER GRID CORP OF INDIA LTD RELIANCE INDUSTRIES LTD. SINTEX INDUSTRIES LTD.FV-1 TATA IRON & STEEL COMPANY LTD TATA POWER CO. LTD.FV-1 TD POWER SYSTEMS LIMITED VOLTAS LTD 1.75 3.79 5.74 6.72 3.33 1.78 1.04 3.15 4.27 0.74 0.11 1.10 2.69 2.26 3.21 5.80 1.13 2.72 1.87 7.21 0.88 1.15 8.09 1.25 6.04 2.51 1.33 3.26 3.98 1.42 1.36 0.83 3.99 5.54 5.30 2.14 2.09 0.70 2.16 3.71 0.53 0.00 1.17 2.71 2.11 4.15 8.80 1.15 3.43 1.85 7.91 0.72 1.76 6.82 1.56 4.79 2.93 1.68 4.54 3.77 0.46 1.40
fund risk profile

% total net asset
MONEY MARKET INSTRUM ENTS 8.30
low
high
EQUITY
91.70
91.70 8.30 100.00

Equity: 100%
CNX Infrastructure Index: 100%

SFIN :
ULIF04401/01/10LINFRAST02121
Benchmark
Life Infrastructure Fund 2 gross return fund Name 12 month 24 month returns returns -21.83% -17.29% -15.78% -12.20%
fund objective

equity
fund risk profile

% total net asset
low
high
EQUITY
88.61
88.61 11.39 100.00

Equity: 100%
Pension Infrastructure Fund 1

SFIN :
ULIF02101/03/08PINFRAST01121
Benchmark
fund objective

equity
fund risk profile

% total net asset
low
high
EQUITY
92.09
92.09 7.91 100.00

Equity: 100%

SFIN :
ULIF06601/01/10PINFRAST02121
gross return fund Name 12 month 24 month returns returns -21.83% -15.72% -17.29% -12.17%
Benchmark
fund objective

equity
fund risk profile

% total net asset
low
high
EQUITY
88.09
88.09 11.91 100.00

Equity: 100%
Health Infrastructure Fund 1

SFIN :
ULIF06101/02/08HINFRAST01121
Benchmark
Health Infrastructure Fund 1
fund objective

equity
fund risk profile

% total net asset
low
high
EQUITY
89.30
89.30 10.70 100.00

Equity: 100%
Life Energy Fund 1

SFIN :
ULIF02410/06/08LENERGYF01121
gross return fund Name 12 month 24 month 36 month returns returns returns -18.57% -8.18% 1.09% -12.58% -3.72% 5.20%
Benchmark
Life Energy Fund 1
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
BHARAT HEAVY ELECTRICALS LTD.FV-2 BHARAT PETROLEUM CORP. LTD. CAIRN INDIA LIMITED COAL INDIA LIMITED CROMPTON GREAVES LTD EXIDE INDUSTRIES LTD GAS AUTHORITY OF INDIA LTD. JINDAL STEEL & POWER LTD. JYOTI STRUCTURES LTD KIRLOSKAR CUMMINS LARSEN&TUBRO NTPC LIMITED OIL INDIA LIMITED ONGCFV-5 ORIENT GREEN POWER COMPANY LIMITED PETRONET LNG LIMITED POWER FINANCE CORPORATION POWER GRID CORP OF INDIA LTD RELIANCE INDUSTRIES LTD. TATA POWER CO. LTD.FV-1 2.09 5.33 9.11 1.11 1.47 2.58 6.73 2.81 2.46 4.28 4.29 8.73 7.73 8.91 1.24 3.28 0.89 9.15 7.41 0.72 2.01 3.22 9.56 0.71 1.72 1.73 4.61 3.55 2.43 2.74 4.70 7.36 3.76 6.38 1.54 2.32 1.24 7.25 8.65 0.68
fund risk profile

% total net asset
low
high
EQUITY
90.31
90.31 9.69 100.00

Equity: 100%
CNX Energy Index: 100%
Life Energy Fund 2

SFIN :
ULIF04101/01/10LENERGYF02121
Benchmark
Life Energy Fund 2
fund objective

equity
fund risk profile

% total net asset
low
high
EQUITY
89.41
89.41 10.59 100.00

Equity: 100%
Pension Energy Fund 1

SFIN :
ULIF02001/03/08PENRGYYF01121
Benchmark
fund objective

equity
fund risk profile
% total net asset

low
high
EQUITY
91.59
91.59 8.41 100.00

Equity: 100%

SFIN :
ULIF06501/01/10PENRGYYF02121
Benchmark
fund objective

equity
fund risk profile
% total net asset

low
high
EQUITY
87.24
87.24 12.76 100.00

Equity: 100%
Health Energy Fund 1

SFIN :
ULIF06001/02/08HENERGYF01121
Benchmark
Health Energy Fund 1
fund objective

equity
fund risk profile

% total net asset
low
high
EQUITY
89.76
89.76 10.24 100.00

Equity: 100%
Life Midcap Fund 1

SFIN :
ULIF02810/06/08LMIDCAPF01121
Benchmark
Life Midcap Fund 1
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'

equity
ANDHRA BANK AUROBINDO PHARMA LTD FV1 AVENTIS PHARMA LIMITED BANK OF BARODA BHARAT FORGE D.B. CORP LIMITED DIVIS LABORATORIES LIMITED EXIDE INDUSTRIES LTD GREAVES COTTONFV-2 GUJARAT STATE FERTILIZER COMPANY HEXA TRADEX LIMITED HT MEDIA LIMITED INDIAN METALS AND FERRO ALLOYS LIMITED IRB INFRASTRUCTURE DEVELOPERS LIMITED JAIPRAKASH ASSOCIATE JINDAL SAW LIMITED FV2 JSW STEEL LIMITED JYOTI STRUCTURES LTD KIRLOSKAR CUMMINS MULTI COMMODITY EXCHANGE OF INDIA LIMITED NCC LIMITED PETRONET LNG LIMITED RADICO KHAITAN LIMITED SHRIRAM TRANSPORT FINANCE CO. LTD. SINTEX INDUSTRIES LTD.FV-1 STRIDES ARCOLAB LIMITED TATA CHEMICALS LTD. TATA GLOBAL BEVERAGES LIMITED TATA MOTORS LIMITED DVRFV-2 TD POWER SYSTEMS LIMITED ULTRATECH CEMCO LTD UNITED SPIRITS LIMITED VOLTAS LTD YES BANK LTD 3.23 2.08 4.23 1.02 2.89 1.73 6.28 3.59 2.43 3.66 0.35 1.87 2.29 3.00 1.25 4.48 5.20 1.89 4.11 0.11 1.14 3.06 2.05 2.37 2.37 8.08 2.97 0.62 5.44 1.43 3.07 1.35 1.50 2.32 3.20 2.20 2.20 0.80 3.04 0.93 3.91 2.41 1.74 2.75 0.00 1.41 2.30 3.87 1.89 4.56 8.49 1.87 2.63 0.00 1.75 2.17 1.00 2.84 3.00 6.92 2.20 0.63 7.46 0.47 2.10 1.44 1.54 3.01
fund risk profile

% total net asset
low
high
EQUITY
93.44
93.44 6.56 100.00

Equity: 100%
Nifty Midcap 50: 100%
Life Midcap Fund 2

SFIN :
ULIF04501/01/10LMIDCAPF02121
Benchmark
Life Midcap Fund 2
fund objective

equity
ANDHRA BANK AUROBINDO PHARMA LTD FV1 AVENTIS PHARMA LIMITED BANK OF BARODA BHARAT FORGE D.B. CORP LIMITED DIVIS LABORATORIES LIMITED EXIDE INDUSTRIES LTD GREAVES COTTONFV-2 GUJARAT STATE FERTILIZER COMPANY HEXA TRADEX LIMITED HT MEDIA LIMITED INDIAN METALS AND FERRO ALLOYS LIMITED IRB INFRASTRUCTURE DEVELOPERS LIMITED JAIPRAKASH ASSOCIATE JINDAL SAW LIMITED FV2 JSW STEEL LIMITED JYOTI STRUCTURES LTD KIRLOSKAR CUMMINS LUPIN LIMITEDFV-2 MULTI COMMODITY EXCHANGE OF INDIA LIMITED NCC LIMITED PETRONET LNG LIMITED RADICO KHAITAN LIMITED SHRIRAM TRANSPORT FINANCE CO. LTD. SINTEX INDUSTRIES LTD.FV-1 STRIDES ARCOLAB LIMITED TATA CHEMICALS LTD. TATA GLOBAL BEVERAGES LIMITED TATA MOTORS LIMITED DVRFV-2 TD POWER SYSTEMS LIMITED ULTRATECH CEMCO LTD UNITED SPIRITS LIMITED VOLTAS LTD YES BANK LTD 3.19 1.90 3.91 1.01 2.86 1.78 6.04 3.55 1.90 3.38 0.23 1.69 1.61 2.97 1.19 4.11 5.13 1.93 3.96 0.08 0.10 1.12 3.03 1.88 1.60 2.34 8.00 2.94 0.61 5.20 1.96 3.04 1.33 1.48 2.29 3.16 2.01 2.03 0.79 3.01 0.96 3.76 2.39 1.36 2.54 0.00 1.27 1.62 3.83 1.81 4.19 8.37 1.91 2.53 0.04 0.00 1.72 2.14 0.91 1.92 2.96 6.85 2.17 0.62 7.13 0.64 2.08 1.43 1.52 2.97
fund risk profile

% total net asset
low
high
EQUITY
89.32
89.32 10.68 100.00

Equity: 100%
Pension Midcap Fund 1

SFIN :
ULIF02201/03/08PMIDCAPF01121
gross return fund Name 12 month 24 month 36 month 48 month returns returns returns returns -13.30% -11.82% 17.42% -5.28% -2.59% -3.77% 19.77% -1.21%
Benchmark
fund objective

equity
fund risk profile

% total net asset
low
high
EQUITY
93.43
93.43 6.57 100.00

Equity: 100%

SFIN :
fund Name gross return 12 month 24 month returns returns -13.30% -11.82% -0.73% -3.08%
ULIF05101/01/10PMIDCAPF02121
Benchmark
fund objective

equity
fund risk profile

% total net asset
low
high
EQUITY
89.51
89.51 10.49 100.00

Equity: 100%
Health Midcap Fund 1

SFIN :
ULIF06201/02/08HMIDCAPF01121
Benchmark
Health Midcap Fund 1
fund objective

equity
fund risk profile

% total net asset
low
high
EQUITY
91.85
91.85 8.15 100.00

Equity: 100%
Life Super Growth Fund 1

SFIN :
ULIF01009/04/07LSPRGRWT01121
gross return fund Name 12 month 24 month 36 month 48 month returns returns returns returns -5.15% 1.43% 13.48% 2.48% -3.53% 2.43% 13.55% 3.20%
Benchmark
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

security % total net assets
0.11 1.86 2.03 1.79 1.01 0.35 0.34 0.09 0.08 1.30
fund characteristics as on April 30, 2012

rating/ 1-yr beta
AAA AAA AAA LAA+ AAA AAA AA AAA AAA AA+
bond/ncd
10.00% USBNABARD 14-05-2012 10.09% MRF NCD 27-05-2019 SR I 11.95% HDFC DB 26-11-2018 8.40% ABNL NCD 23-11-2012 8.64% PGCIL NCD 08-07-2014 XXXIII A 9.05% SBI NCB 27-01-2020 II 9.25% IDBIBNK NCB 29-01-2020 SERIES-IX 9.25% PGC NCD 09-02-2013 9.50% SBI NCB 04-11-2025 Tier II 9.70% UNITEDPHOSPHORUS NCD 09-04-2017 A
M.Duration of debt portfolio: YTM of debt portfolio: Beta of equity portfolio:
2.14 years 8.84% 0.98
fund risk profile

% total net asset
GILTS MONEY MARK BONDS 0.53 11.61 12.89 74.97
total bond/cd gilts

low low to moderate moderate moderate to high high
8.47% NAGALAND SDL (MD 25/03/2019)
12.89 sovereign
0.53 sovereign
total gilts equity

ASSOCIATED CEMENT COMPANIES LTD. AUROBINDO PHARMA LTD FV1 AVENTIS PHARMA LIMITED AXIS BANK LIMITED BAJAJ AUTO LTD BANK OF BARODA BHARAT FORGE BHARAT HEAVY ELECTRICALS LTD.FV-2 BHARTI AIRTEL LIMITED CAIRN INDIA LIMITED COAL INDIA LIMITED CROMPTON GREAVES LTD D.B. CORP LIMITED DIVIS LABORATORIES LIMITED EXIDE INDUSTRIES LTD GAS AUTHORITY OF INDIA LTD. HDFC BANK LTD.FV-2 HDFC LTD FV 2 HEXA TRADEX LIMITED HINDALCO INDUSTRIES LTD FV RE 1 HINDUSTAN LEVER LTD. HINDUSTAN ZINC LIMITEDFV-2 HT MEDIA LIMITED ICICI BANK LTD. INFOSYS LIMITED IRB INFRASTRUCTURE DEVELOPERS LIMITED ITC - FV 1 JAIPRAKASH ASSOCIATE JINDAL SAW LIMITED FV2 JINDAL STEEL & POWER LTD. KIRLOSKAR CUMMINS LARSEN&TUBRO LUPIN LIMITEDFV-2 MAHINDRA & MAHINDRA LTD.-FV5 MARUTI UDYOG LTD. MOTHERSON SUMI SYSTEMS LTD. NCC LIMITED NTPC LIMITED OIL INDIA LIMITED ONGCFV-5 POWER FINANCE CORPORATION PUNJAB NATIONAL BANK RANBAXY FV RS 5 RELIANCE INDUSTRIES LTD. SHRIRAM TRANSPORT FINANCE CO. LTD. SINTEX INDUSTRIES LTD.FV-1 SML ISUZU LIMITED STATE BANK OF INDIA STERLITE INDUSTRIES FV 1 STRIDES ARCOLAB LIMITED SUN PHARMACEUTICAL INDUSTRIES LTD.FV-1 TATA CONSULTANCY SERVICES LTD. TATA IRON & STEEL COMPANY LTD TATA MOTORS LIMITED DVRFV-2 TATA MOTORS LTD.FV-2 ULTRATECH CEMCO LTD UNITED PHOSPHOROUS LTD UNITED SPIRITS LIMITED YES BANK LTD ZEE ENTERTAINMENT ENTERPRISES LIMITED
0.53
0.12 0.35 0.68 2.06 0.79 1.12 0.26 1.21 1.61 1.34 0.04 0.36 0.47 3.60 0.39 0.76 3.82 1.49 0.06 0.33 1.32 0.46 0.00 5.11 5.12 0.30 6.14 1.03 0.83 1.06 2.39 1.95 0.57 2.00 0.92 0.25 0.07 0.72 0.16 1.35 1.08 1.20 0.49 5.56 0.30 0.26 0.39 2.57 1.16 0.66 0.88 2.93 0.43 0.30 1.35 1.24 0.15 0.62 0.77 0.03
0.10 0.37 0.35 2.38 0.70 0.87 0.27 1.17 1.27 1.41 0.03 0.42 0.25 2.24 0.26 0.52 3.56 1.51 0.00 0.49 0.74 0.49 0.00 6.86 4.79 0.38 4.66 1.56 0.85 1.34 1.53 2.14 0.29 2.06 0.71 0.20 0.11 0.61 0.08 0.97 1.51 1.12 0.39 6.50 0.36 0.32 0.16 2.96 1.78 0.56 0.64 2.85 0.59 0.41 2.04 0.85 0.15 0.66 1.00 0.02
EQUITY
74.97 11.61 100.00

Debt: Equity: 20% 80%
CRISIL ST Bond Index: S&P CNX Nifty: 20% 80%

SFIN :
ULIF04701/01/10LSPRGRWT02121
gross return fund Name 12 month 24 month returns returns 1.43% -5.15% 2.08% -4.20%
Benchmark
fund objective

0.68

rating/ 1-yr beta
gilts
9.15% GOI CG 14-11-2024
0.17 years 8.11% 0.96
fund risk profile
total gilts equity

0.68
Sovereign

0.09 0.37 0.30 2.16 0.66 0.83 0.46 1.07 1.14 1.30 0.03 0.38 0.48 2.36 0.24 0.46 3.25 1.48 0.00 0.49 0.69 0.85 0.27 6.34 4.38 0.29 4.25 1.43 0.57 1.22 1.33 1.95 0.66 1.85 0.63 0.19 0.12 0.55 0.27 0.95 0.38 0.85 0.38 5.93 0.34 0.28 0.16 2.63 1.65 0.50 0.58 2.57 0.49 0.42 1.90 0.73 0.15 0.60 0.91 0.02
low
high
0.11 0.35 0.58 1.87 0.75 1.06 0.44 1.11 1.45 1.24 0.04 0.32 0.89 3.79 0.36 0.67 3.49 1.46 0.05 0.33 1.22 0.80 0.36 4.72 4.68 0.23 5.60 0.94 0.56 0.97 2.07 1.78 1.31 1.80 0.82 0.22 0.08 0.66 0.55 1.33 0.27 0.90 0.48 5.08 0.28 0.22 0.38 2.28 1.07 0.58 0.79 2.64 0.35 0.31 1.27 1.07 0.15 0.57 0.70 0.03
% total net asset

GILTS MONEY MARKET INSTR EQUITY 0.68
28.84
70.48
70.48 28.84 100.00

Health Super Growth Fund 1

SFIN :
ULIF01701/02/08HSPRGRWT01121
gross return fund Name 12 month 24 month 36 month 48 month returns returns returns returns 2.48% -5.15% 1.43% 13.48% 3.01% -3.78% 2.26% 13.40%
Benchmark
Health Super Growth Fund 1
fund objective

4.79 0.01

rating/ 1-yr beta
AAA AAA
bond/ncd
8.90% PGCIL NCD 25-02-2017 XXXI D 9.50% SBI NCB 04-11-2025 Tier II
1.45 years 8.22% 0.96
fund risk profile
total bond/cd gilts

8.47% NAGALAND SDL 2019
4.79 sovereign
3.63 sovereign

% total net asset
GILTS 3.63 4.79 16.59 74.98
total gilts equity

low low to moderate moderate moderate to high high
3.63
0.12 0.36 0.68 2.01 0.78 1.08 0.48 1.18 1.56 1.31 0.04 0.35 0.46 4.17 0.38 0.71 3.72 1.43 0.06 0.33 1.29 0.88 0.40 4.99 4.98 0.27 5.97 1.00 0.64 1.03 2.28 1.90 1.47 1.94 0.89 0.24 0.08 0.70 0.58 1.31 0.33 0.97 0.47 5.41 0.29 0.25 0.39 2.51 1.13 0.65 0.85 2.94 0.40 0.31 1.32 1.21 0.15 0.59 0.75 0.03
0.10 0.38 0.35 2.32 0.69 0.84 0.51 1.14 1.23 1.37 0.03 0.41 0.25 2.60 0.26 0.49 3.47 1.45 0.00 0.49 0.73 0.94 0.30 6.70 4.66 0.35 4.53 1.52 0.65 1.30 1.46 2.09 0.75 1.99 0.68 0.20 0.12 0.59 0.28 0.94 0.47 0.91 0.38 6.31 0.35 0.31 0.16 2.89 1.74 0.55 0.62 2.86 0.55 0.42 1.98 0.83 0.15 0.63 0.97 0.02
BONDS MONEY MARKE EQUITY
74.98 16.59 100.00

Life High Growth Fund 1

SFIN :
ULIF00728/02/07LHIGROWT01121
gross return fund Name 12 month 24 month 36 month 48 month 60 month returns returns returns returns returns 7.26% -1.62% 3.00% 11.98% 4.21% 7.10% -0.30% 3.87% 12.32% 5.01%
Benchmark
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

0.83 0.81 1.97 0.40 0.68 1.05 0.48 1.56 0.80 0.80 0.70 0.79 0.16 1.55 0.79 0.40 0.39 0.99 0.47 0.95 1.50 1.57 0.48 0.26 0.31 0.27 0.01 0.81 1.05 0.33

rating/ 1-yr beta
AAA AAA AAA AAA LAA+ AA+ LAA+ AAA AA+ AAA AAA AAA LAA+ AAA AAA AAA AAA AAA AAA AAA AAA AAA AAA AAA AA AAA AAA AA+ AA+ AAA
bond/ncd
10.09% MRF NCD 27-05-2020 SR II 11.45% RIL NCD 25-11-2013 11.45% RIL NCD 25-11-2013 TRANCHE2 7.60% ICICI BS 30-12-2015 8.23% SUNDARAM FINANCE LTD NCD 27-07-2012 8.23% TATACAPLTD NCD 29-07-2013 8.40% ABNL NCD 23-11-2012 8.40% HDFC NCD 08-12-2014 G -003 8.40% TATACAPLTD NCD 26-11-2012 V 8.48% LICHFL NCD 27-09-2013 8.64% PGCIL NCD 08-07-2014 - 2025 8.68% NCRPB NCB 18-08-2019 8.70% BAJAJFIN NCD 22-07-2015 8.75% RIL NCD 07-05-2020 8.84% PGCIL NCD 29-03-2016 STRPPS 8.90% PGCIL NCD 25-02-2014 XXXI A 8.90% PGCIL NCD 25-02-2020 XXXI G 8.90% SAIL NCB 01-05-2019 8.93% NTPC NCB 19-01-2021 XXXVII 8.95% INFOTEL NCD 15-09-2020 PPD 1 8.97% TATA SONS NCD 15-07-2020 8.99% TATA SONS NCD 07-06-2020 9.15% NCRPB BS 18-02-2019 9.18% TATA SONS NCD 23-11-2020 9.25% IDBIBNK NCB 29-01-2020 SERIES-IX 9.30% TATA SONS NCD 24-12-2015 9.50% SBI NCB 04-11-2025 Tier II 9.50% TATA COMMUNICATIONS NCD 08-06-2014 9.70% UNITEDPHOSPHORUS NCD 09-04-2017 A 9.87% TATA SONS NCD 16-04-2017
1.87 years 9.67% 0.98
fund risk profile

% total net asset
GILTS MONEY MARKE BONDS EQUITY 1.03 19.99 23.16 55.82
low
high
total bond/cd gilts

8.47% JHARKHAND SDL 2019 8.97% GOI CG 05-12-2030 9.15% GOI CG 14-11-2024
23.16 sovereign
0.15 0.04 0.84 sovereign sovereign sovereign
total gilts equity

1.03
0.09 0.26 0.50 1.47 1.68 0.42 0.39 0.93 1.20 0.98 0.03 0.33 0.78 2.59 0.30 0.51 2.93 1.09 0.04 0.30 1.00 0.01 0.00 3.90 4.05 0.25 4.41 0.91 0.49 0.89 1.57 1.16 0.50 1.57 0.75 0.18 0.16 0.34 0.18 1.07 0.49 0.92 0.40 4.07 0.23 0.23 0.30 1.79 0.82 0.50 0.50 2.00 0.29 0.22 0.97 0.91 0.12 0.26 0.58 0.02 0.07 0.27 0.26 1.70 1.48 0.33 0.41 0.90 0.94 1.02 0.02 0.39 0.42 1.61 0.20 0.35 2.73 1.10 0.00 0.44 0.56 0.01 0.00 5.24 3.79 0.32 3.34 1.37 0.50 1.13 1.00 1.27 0.25 1.61 0.57 0.15 0.24 0.29 0.09 0.77 0.68 0.86 0.33 4.76 0.28 0.29 0.12 2.06 1.25 0.43 0.36 1.95 0.41 0.31 1.45 0.62 0.12 0.28 0.75 0.02

55.82 19.99 100.00

SFIN :
ULIF05511/01/10LHIGROWT02121
gross return 12 month 24 month fund Name returns returns Benchmark -1.62% 3.00% Life High Growth Fund 2 -0.59% 3.72%
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

1.80 1.72 0.86 1.72 5.16

rating/ 1-yr beta
AAA AAA AAA AAA AAA
bond/ncd
11.45% RIL NCD 25-11-2013 TRANCHE2 8.40% HDFC NCD 08-12-2014 G -003 8.90% SAIL NCB 01-05-2019 8.97% TATA SONS NCD 15-07-2020 8.99% TATA SONS NCD 07-06-2020
2.10 years 8.62% 0.97
fund risk profile

% total net asset
GILTS BONDS 7.40 11.26 28.31 53.03
total bond/cd gilts

8.47% JHARKHAND SDL 2019 9.15% GOI CG 14-11-2024
11.26 sovereign
0.12 7.27 sovereign sovereign
low
high
total gilts equity

7.40
0.09 0.26 0.44 1.37 0.57 0.80 0.35 0.87 1.11 0.92 0.03 0.31 0.70 2.37 0.29 0.49 2.75 1.01 0.03 0.30 0.93 0.65 0.28 3.69 3.81 0.24 4.14 0.85 0.43 0.84 1.10 1.41 1.09 1.47 0.69 0.17 0.06 0.31 0.28 1.00 0.47 0.76 0.38 3.83 0.22 0.22 0.29 1.61 0.78 0.46 0.45 1.87 0.26 0.23 0.91 0.87 0.11 0.25 0.54 0.02
0.07 0.27 0.23 1.59 0.50 0.62 0.37 0.84 0.88 0.97 0.02 0.37 0.38 1.48 0.19 0.33 2.56 1.02 0.00 0.44 0.53 0.69 0.21 4.96 3.56 0.31 3.14 1.30 0.44 1.06 0.70 1.55 0.55 1.51 0.53 0.14 0.09 0.27 0.14 0.72 0.66 0.71 0.31 4.47 0.27 0.28 0.12 1.86 1.19 0.39 0.33 1.82 0.36 0.32 1.36 0.59 0.11 0.26 0.70 0.02
MONEY MARKE EQUITY
53.03 28.31 100.00

Life Growth Plus Fund 1

SFIN :
ULIF00809/04/07LGRWTPLS01121
gross return fund Name 12 month 24 month 36 month 48 month 60 month returns returns returns returns returns 7.56% 0.13% 3.73% 11.14% 4.94% 7.51% 1.59% 4.61% 11.59% 5.90%
Benchmark
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.

0.09 2.22 1.29 1.53 1.07 0.17 2.08 0.85 1.05 1.81 2.30 0.85 0.39 0.22 0.05 1.26 1.27

rating/ 1-yr beta
AAA AAA AAA AAA AAA AAA AA+ LAA+ AAA AAA AAA AAA AA AAA AAA AAA AA+
bond/ncd
10.00% USBNABARD 14-05-2012 10.60% IRFC NCB 11-09-2018 11.10% PFC NCD 15-09-2013 11.45% RIL NCD 25-11-2013 11.45% RIL NCD 25-11-2013 TRANCHE2 7.60% ICICI BS 30-12-2015 8.23% TATACAPLTD NCD 29-07-2013 8.40% ABNL NCD 23-11-2012 8.90% PGCIL NCD 25-02-2019 XXXI F 8.93% NTPC NCB 19-01-2021 XXXVII 8.99% TATA SONS NCD 07-06-2020 9.07% REC NCB 28-02-2018 9.25% IDBIBNK NCB 29-01-2020 SERIES-IX 9.30% HDFC NCD 18-01-2021 H-020 9.30% PFC NCD 12-03-2013 9.30% TATA SONS NCD 24-12-2015 9.70% UNITEDPHOSPHORUS NCD 09-04-2017 A
1.59 years 9.65% 0.97
fund risk profile

% total net asset
GILTS BONDS MONEY MARK EQUITY 2.83 18.49 31.55 47.13
low
high
total bond/cd gilts

9.15% GOI CG 14-11-2024
18.49 sovereign
2.83 sovereign
total gilts equity

2.83
0.07 0.22 0.39 1.28 0.51 0.16 0.32 0.78 1.01 0.79 0.03 0.28 0.31 2.10 0.24 0.47 2.45 0.73 0.03 0.25 0.83 0.52 0.00 3.27 3.29 0.18 3.95 0.66 0.41 0.68 1.34 1.26 0.98 1.36 0.60 0.15 0.05 0.46 0.37 0.83 0.22 0.77 0.30 3.58 0.11 0.17 0.24 1.65 0.71 0.41 0.54 1.89 0.32 0.19 0.82 0.59 0.09 0.38 0.50 0.02
0.06 0.23 0.20 1.48 0.45 0.13 0.34 0.76 0.79 0.83 0.02 0.33 0.17 1.31 0.16 0.32 2.29 0.74 0.00 0.37 0.47 0.56 0.00 4.39 3.08 0.24 3.00 1.00 0.41 0.86 0.85 1.38 0.50 1.40 0.46 0.12 0.07 0.39 0.18 0.59 0.31 0.72 0.24 4.18 0.13 0.21 0.10 1.90 1.09 0.35 0.40 1.84 0.44 0.26 1.24 0.40 0.09 0.40 0.65 0.01

47.13 31.55 100.00

SFIN :
ULIF04301/01/10LGRWTPLS02121
gross return fund Name 12 month 24 month returns returns 3.73% 0.13% 4.43% 1.25%
Benchmark
fund objective

2.54 2.69 2.51 2.46 2.44 2.43 1.23 4.90 4.91 2.46 2.50 0.20 2.52 0.52

rating/ 1-yr beta
AAA AAA AA+ AAA AA+ AAA AAA AAA AAA AAA AAA AAA AA+ AAA
bond/ncd
10.05% USBNABARD 11-06-2014 10.60% IRFC NCB 11-09-2018 8.23% TATACAPLTD NCD 29-07-2013 8.40% HDFC NCD 08-12-2014 G -003 8.42% SHREECEM NCD 22-07-2015 8.75% RIL NCD 07-05-2020 8.90% SAIL NCB 01-05-2019 8.93% NTPC NCB 19-01-2021 XXXVII 8.95% INFOTEL NCD 15-09-2020 PPD 1 8.99% TATA SONS NCD 07-06-2020 9.30% TATA SONS NCD 24-12-2015 9.50% SBI NCB 04-11-2025 Tier II 9.70% UNITEDPHOSPHORUS NCD 09-04-2017 A 9.95% ILFS NCD 14-02-2016 VIII
2.33 years 8.95% 0.97
fund risk profile

% total net asset
EQUITY 21.52
low
high
total bond/cd equity

34.32
BONDS
0.07 0.21 0.35 1.18 0.50 0.15 0.30 0.73 0.92 0.74 0.02 0.27 0.58 1.96 0.23 0.44 2.26 0.68 0.03 0.26 0.78 0.49 0.01 3.06 3.02 0.17 3.64 0.63 0.37 0.64 1.24 1.17 0.91 1.25 0.55 0.15 0.07 0.43 0.31 0.80 0.21 0.73 0.30 3.30 0.11 0.16 0.24 1.47 0.67 0.40 0.50 1.73 0.30 0.19 0.78 0.55 0.09 0.36 0.47 0.02 0.06 0.23 0.18 1.37 0.44 0.12 0.32 0.70 0.73 0.78 0.02 0.32 0.31 1.22 0.16 0.30 2.11 0.69 0.00 0.38 0.44 0.53 0.01 4.10 2.83 0.22 2.76 0.95 0.38 0.80 0.79 1.28 0.46 1.29 0.42 0.13 0.10 0.36 0.15 0.57 0.30 0.68 0.24 3.86 0.13 0.21 0.10 1.69 1.03 0.34 0.37 1.68 0.42 0.26 1.17 0.37 0.09 0.38 0.61 0.01
34.32
MONEY MARKET INSTRU
44.16
44.16 21.52 100.00

Health Growth Plus Fund 1

SFIN :
ULIF01401/02/08HGRWTPLS01121
gross return fund Name 12 month 24 month 36 month 48 month returns returns returns returns 4.94% 0.13% 3.73% 11.14% 5.51% 0.29% 3.90% 11.07%
Benchmark
Health Growth Plus Fund 1
fund objective

2.10 1.33 1.34 1.34 1.96 0.65 0.80 1.91 2.56 0.65 0.62 1.30 1.31

rating/ 1-yr beta
AAA AAA AAA AAA AA+ LAA+ AAA AAA AAA AAA AA AAA AA+
bond/ncd
10.60% IRFC NCB 11-09-2018 11.10% PFC NCD 15-09-2013 11.45% RIL NCD 25-11-2013 11.45% RIL NCD 25-11-2013 TRANCHE2 8.23% TATACAPLTD NCD 29-07-2013 8.40% ABNL NCD 23-11-2012 8.90% PGCIL NCD 25-02-2019 XXXI F 8.93% NTPC NCB 19-01-2021 XXXVII 8.99% TATA SONS NCD 07-06-2020 9.07% REC NCB 28-02-2018 9.25% IDBIBNK NCB 29-01-2020 SERIES-IX 9.30% TATA SONS NCD 24-12-2015 9.70% UNITEDPHOSPHORUS NCD 09-04-2017 A
1.26 years 8.95% 0.97
fund risk profile

% total net asset
GILTS BONDS MONEY MARKE EQUITY 0.84 17.88 35.22 46.06
low
high
total bond/cd gilts

8.97% GOI CG 05-12-2030
17.88 sovereign
0.84 sovereign
total gilts equity

0.84
0.07 0.22 0.39 2.16 1.22 0.07 0.21 0.31 0.97 0.88 0.03 0.12 0.53 1.59 0.26 0.51 1.49 0.72 0.03 0.19 0.19 0.01 0.00 3.56 6.37 0.18 3.02 0.57 0.31 1.04 0.96 0.71 0.26 1.60 0.94 0.11 0.05 0.31 2.58 0.78 0.79 0.59 0.31 2.54 0.11 0.20 0.24 0.64 0.57 0.30 0.74 1.06 0.18 0.19 0.87 0.38 0.09 0.37 0.35 0.02
0.06 0.23 0.20 2.50 1.08 0.06 0.22 0.30 0.76 0.92 0.02 0.14 0.28 0.99 0.17 0.35 1.39 0.73 0.00 0.28 0.11 0.01 0.00 4.78 5.97 0.24 2.29 0.87 0.31 1.32 0.61 0.78 0.13 1.65 0.72 0.09 0.07 0.26 1.25 0.56 1.11 0.55 0.25 2.96 0.13 0.25 0.10 0.73 0.88 0.26 0.54 1.03 0.25 0.26 1.30 0.26 0.09 0.39 0.46 0.01
46.06 35.22 100.00

Life Growth Fund 1

SFIN :
ULIF00428/07/04LGROWTHF01121
Benchmark
Life Growth Fund 1
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.

1.96 1.83 0.38 1.20 0.84 0.24 2.11 2.65 1.65 1.83 3.28 1.03 0.58 1.84 5.28 4.72 4.15 0.33 0.47 0.88 0.16 5.67 2.01

rating/ 1-yr beta
AAA AAA AAA AAA AAA AAA AAA AAA AAA AAA LAA+ AA+ AAA AAA AAA AAA AAA AA AAA AAA AAA AAA AA+
bond/ncd
0.00% HDFC ZCB 06-02-2017 I-032 10.35% NCD(B)HDFC 16-05-2017 10.60% IRFC NCB 11-09-2018 10.90% REC DB 14-08-2013 11.10% PFC NCD 15-09-2013 11.30% ACC DB 10-12-2013 11.95% HDFC DB 26-11-2018 2.00% TATA MOTORS NCD 31-03-2014 TRANCHE 3 7.60% HDFC NCD 08-12-2017 C-009 8.20% IRFC NCD 27-04-2016 8.40% ABNL NCD 23-11-2012 8.42% SHREECEM NCD 22-07-2015 8.90% PGCIL NCD 25-02-2018 XXXI E 8.93% NTPC NCB 19-01-2021 XXXVII 8.95% INFOTEL NCD 15-09-2020 PPD 1 8.97% TATA SONS NCD 15-07-2020 8.99% TATA SONS NCD 07-06-2020 9.25% IDBIBNK NCB 29-01-2020 SERIES-IX 9.30% TATA SONS NCD 24-12-2015 9.33% PGCIL NCB 15-12-2013 9.50% SBI NCB 04-11-2025 Tier II 9.63% PFC NCD 15-12-2014 82-A 9.70% UNITEDPHOSPHORUS NCD 09-04-2017 A
2.66 years 9.05% 0.97
fund risk profile

% total net asset
MONEY MARKET INSTRU EQUITY 17.22
low
high
37.70
BONDS
45.08

45.08
0.06 0.17 0.37 1.00 0.40 0.35 0.26 0.62 0.79 0.65 0.02 0.22 0.25 1.72 0.19 0.37 1.95 0.53 0.03 0.21 0.67 0.42 0.00 2.60 2.62 0.15 3.13 0.53 0.32 0.54 0.97 0.99 0.78 1.07 0.48 0.12 0.04 0.37 0.03 0.68 0.18 0.60 0.25 2.84 0.27 0.14 0.20 1.30 0.57 0.33 0.41 1.50 0.22 0.15 0.65 0.68 0.07 0.26 0.39 0.02
0.05 0.18 0.20 1.16 0.36 0.27 0.27 0.60 0.63 0.69 0.01 0.26 0.14 1.07 0.13 0.26 1.82 0.54 0.00 0.30 0.38 0.44 0.00 3.49 2.45 0.19 2.38 0.80 0.33 0.68 0.62 1.09 0.39 1.11 0.37 0.10 0.06 0.31 0.02 0.49 0.25 0.57 0.20 3.32 0.32 0.17 0.08 1.50 0.87 0.28 0.30 1.46 0.31 0.21 0.98 0.47 0.07 0.28 0.50 0.01

37.70 17.22 100.00
Life Growth Fund 2

SFIN :
ULIF01102/11/07LGROWTHF02121
Benchmark
Life Growth Fund 2
fund objective

1.71 1.54 0.35 0.67 2.20 1.19 1.85 2.34 1.60 0.33 0.33 1.97 0.96 1.61 0.40 1.77 1.93 4.04 2.75 1.61 0.31 0.66 0.14 1.66 1.82

rating/ 1-yr beta
AAA AAA AAA AAA AAA AAA AAA AAA AAA AAA LAA+ AA+ AA+ LAA+ AAA AAA AAA AAA AAA AAA AA AAA AAA AAA AA+
bond/ncd
0.00% HDFC ZCB 06-02-2017 I-032 10.35% NCD(B)HDFC 16-05-2017 10.60% IRFC NCB 11-09-2018 11.10% PFC NCD 15-09-2013 11.40% PFC NCD 28-11-2013 11.45% RIL NCD 25-11-2013 11.95% HDFC DB 26-11-2018 2.00% TATA MOTORS NCD 31-03-2014 TRANCHE 3 8.20% IRFC NCD 27-04-2016 8.20% NHB NCB 30-08-2013 8.40% ABNL NCD 23-11-2012 8.40% TATACAPLTD NCD 26-11-2012 V 8.42% SHREECEM NCD 22-07-2015 8.70% BAJAJFIN NCD 22-07-2015 8.90% PGCIL NCD 25-02-2018 XXXI E 8.93% NTPC NCB 19-01-2021 XXXVII 8.95% INFOTEL NCD 15-09-2020 PPD 1 8.97% TATA SONS NCD 15-07-2020 8.99% TATA SONS NCD 07-06-2020 9.05% CANBK NCB 03-08-2020 III TIER-I 9.25% IDBIBNK NCB 29-01-2020 SERIES-IX 9.30% TATA SONS NCD 24-12-2015 9.50% SBI NCB 04-11-2025 Tier II 9.70% LICHFL NCD 07-04-2013 9.70% UNITEDPHOSPHORUS NCD 09-04-2017 A
2.08 years 9.24% 0.98
fund risk profile

% total net asset
MONEY MARKET INSTRU BONDS 27.37
low
high
35.76
EQUITY
36.88

ASSOCIATED CEMENT COMPANIES LTD. AUROBINDO PHARMA LTD FV1 AVENTIS PHARMA LIMITED AXIS BANK LIMITED BAJAJ AUTO LTD BANK OF BARODA BHARAT FORGE BHARAT HEAVY ELECTRICALS LTD.FV-2 BHARTI AIRTEL LIMITED CAIRN INDIA LIMITED COAL INDIA LIMITED CROMPTON GREAVES LTD D.B. CORP LIMITED DIVIS LABORATORIES LIMITED EXIDE INDUSTRIES LTD GAS AUTHORITY OF INDIA LTD. HDFC BANK LTD.FV-2 HDFC LTD FV 2 HEXA TRADEX LIMITED HINDALCO INDUSTRIES LTD FV RE 1 HINDUSTAN LEVER LTD. HINDUSTAN ZINC LIMITEDFV-2 HT MEDIA LIMITED ICICI BANK LTD. INFOSYS LIMITED IRB INFRASTRUCTURE DEVELOPERS LIMITED ITC - FV 1 JAIPRAKASH ASSOCIATE JINDAL SAW LIMITED FV2 JINDAL STEEL & POWER LTD. KIRLOSKAR CUMMINS LARSEN&TUBRO LUPIN LIMITEDFV-2 MAHINDRA & MAHINDRA LTD.-FV5 MARUTI UDYOG LTD. MOTHERSON SUMI SYSTEMS LTD. NCC LIMITED NTPC LIMITED OIL INDIA LIMITED ONGCFV-5 POWER FINANCE CORPORATION PUNJAB NATIONAL BANK RANBAXY FV RS 5 RELIANCE INDUSTRIES LTD. SHRIRAM TRANSPORT FINANCE CO. LTD. SML ISUZU LIMITED STATE BANK OF INDIA STERLITE INDUSTRIES FV 1 STRIDES ARCOLAB LIMITED SUN PHARMACEUTICAL INDUSTRIES LTD.FV-1 TATA CONSULTANCY SERVICES LTD. TATA IRON & STEEL COMPANY LTD TATA MOTORS LIMITED DVRFV-2 TATA MOTORS LTD.FV-2 ULTRATECH CEMCO LTD UNITED PHOSPHOROUS LTD UNITED SPIRITS LIMITED YES BANK LTD ZEE ENTERTAINMENT ENTERPRISES LIMITED
35.76
0.06 0.17 0.33 1.09 0.41 0.37 0.09 0.25 0.92 0.64 0.02 0.17 0.23 1.61 0.19 0.46 1.94 0.63 0.03 0.16 0.16 0.41 0.02 2.54 3.09 0.22 2.92 0.60 0.31 0.65 0.93 0.59 0.53 0.89 0.73 0.37 0.04 0.36 0.29 0.63 0.16 0.58 0.33 2.82 0.26 0.19 1.29 0.62 0.32 0.40 1.49 0.23 0.15 0.63 0.66 0.07 0.25 0.38 0.02
0.05 0.18 0.17 1.26 0.36 0.29 0.10 0.24 0.73 0.67 0.01 0.20 0.13 1.00 0.13 0.31 1.81 0.64 0.00 0.24 0.09 0.43 0.01 3.41 2.89 0.28 2.21 0.91 0.31 0.82 0.59 0.64 0.27 0.91 0.56 0.30 0.06 0.30 0.14 0.46 0.22 0.55 0.27 3.30 0.31 0.08 1.48 0.95 0.27 0.30 1.45 0.31 0.21 0.95 0.45 0.07 0.26 0.49 0.01

36.88 27.37 100.00
Pension Growth Fund 1

SFIN :
ULIF03304/12/08PGROWTHF01121
Benchmark
fund objective

1.73 1.63 0.32 0.80 1.88 2.33 1.62 1.66 1.05 0.19 0.48 1.63 1.92 4.32 3.08 1.63 0.28 0.10 0.98 0.15 1.67 1.87

rating/ 1-yr beta
AAA AAA AAA AAA AAA AAA AAA AA+ AA+ AAA AAA AAA AAA AAA AAA AAA AA AAA AAA AAA AAA AA+
bond/ncd
0.00% HDFC ZCB 06-02-2017 I-032 10.35% NCD(B)HDFC 16-05-2017 10.60% IRFC NCB 11-09-2018 11.10% PFC NCD 15-09-2013 11.95% HDFC DB 26-11-2018 2.00% TATA MOTORS NCD 31-03-2014 TRANCHE 3 8.20% IRFC NCD 27-04-2016 8.40% TATACAPLTD NCD 26-11-2012 V 8.42% SHREECEM NCD 22-07-2015 8.75% RIL NCD 07-05-2020 8.90% PGCIL NCD 25-02-2018 XXXI E 8.93% NTPC NCB 19-01-2021 XXXVII 8.95% INFOTEL NCD 15-09-2020 PPD 1 8.97% TATA SONS NCD 15-07-2020 8.99% TATA SONS NCD 07-06-2020 9.05% CANBK NCB 03-08-2020 III TIER-I 9.25% IDBIBNK NCB 29-01-2020 SERIES-IX 9.30% PFC NCD 12-03-2013 9.30% TATA SONS NCD 24-12-2015 9.50% SBI NCB 04-11-2025 Tier II 9.70% LICHFL NCD 07-04-2013 9.70% UNITEDPHOSPHORUS NCD 09-04-2017 A
2.19 years 8.82% 0.97
fund risk profile

% total net asset
GILTS MONEY MARKE BONDS EQUITY 2.66 28.71 31.32 37.32
low
high
total bond/cd gilts

8.66% TAMILNADU SDL 2022
31.32 sovereign
2.66 sovereign
total gilts equity

ASSOCIATED CEMENT COMPANIES LTD. AUROBINDO PHARMA LTD FV1 AVENTIS PHARMA LIMITED AXIS BANK LIMITED BAJAJ AUTO LTD BANK OF BARODA BHARAT FORGE BHARAT HEAVY ELECTRICALS LTD.FV-2 BHARTI AIRTEL LIMITED CAIRN INDIA LIMITED COAL INDIA LIMITED CROMPTON GREAVES LTD D.B. CORP LIMITED DIVIS LABORATORIES LIMITED EXIDE INDUSTRIES LTD GAS AUTHORITY OF INDIA LTD. GUJARAT STATE FERTILIZER COMPANY HDFC BANK LTD.FV-2 HDFC LTD FV 2 HEXA TRADEX LIMITED HINDALCO INDUSTRIES LTD FV RE 1 HINDUSTAN LEVER LTD. HINDUSTAN ZINC LIMITEDFV-2 HT MEDIA LIMITED ICICI BANK LTD. INFOSYS LIMITED IRB INFRASTRUCTURE DEVELOPERS LIMITED ITC - FV 1 JAIPRAKASH ASSOCIATE JINDAL SAW LIMITED FV2 JINDAL STEEL & POWER LTD. KIRLOSKAR CUMMINS LARSEN&TUBRO LUPIN LIMITEDFV-2 MAHINDRA & MAHINDRA LTD.-FV5 MARUTI UDYOG LTD. MOTHERSON SUMI SYSTEMS LTD. NCC LIMITED NTPC LIMITED OIL INDIA LIMITED ONGCFV-5 POWER FINANCE CORPORATION PUNJAB NATIONAL BANK RANBAXY FV RS 5 RELIANCE INDUSTRIES LTD. SHRIRAM TRANSPORT FINANCE CO. LTD. SINTEX INDUSTRIES LTD.FV-1 SML ISUZU LIMITED STATE BANK OF INDIA STERLITE INDUSTRIES FV 1 STRIDES ARCOLAB LIMITED SUN PHARMACEUTICAL INDUSTRIES LTD.FV-1 TATA CONSULTANCY SERVICES LTD. TATA IRON & STEEL COMPANY LTD TATA MOTORS LIMITED DVRFV-2 TATA MOTORS LTD.FV-2 ULTRATECH CEMCO LTD UNITED PHOSPHOROUS LTD UNITED SPIRITS LIMITED YES BANK LTD ZEE ENTERTAINMENT ENTERPRISES LIMITED
2.66

0.06 0.17 0.39 0.98 0.37 0.32 0.24 0.57 0.78 0.63 0.02 0.21 0.23 1.63 0.19 0.37 0.13 1.88 0.51 0.03 0.20 0.60 0.45 0.00 2.49 2.57 0.14 3.15 0.52 0.31 0.54 0.93 0.92 0.73 1.02 0.49 0.38 0.04 0.32 0.32 0.65 0.22 0.59 0.25 2.74 0.28 0.12 0.19 1.24 0.55 0.32 0.40 1.48 0.23 0.15 0.64 0.69 0.07 0.27 0.39 0.02
0.05 0.18 0.20 1.13 0.33 0.25 0.25 0.55 0.62 0.66 0.01 0.25 0.12 1.01 0.13 0.26 0.10 1.75 0.52 0.00 0.29 0.34 0.48 0.00 3.35 2.40 0.18 2.39 0.79 0.32 0.68 0.59 1.01 0.37 1.05 0.38 0.32 0.06 0.27 0.16 0.47 0.31 0.56 0.20 3.21 0.34 0.15 0.08 1.43 0.85 0.27 0.29 1.44 0.32 0.21 0.96 0.47 0.07 0.28 0.50 0.01
37.32 28.71 100.00

SFIN :
ULIF05001/01/10PGROWTHF02121
gross return fund Name 12 month 24 month returns returns 4.42% 1.86% 4.29% 2.40%
Benchmark
fund objective

1.37 1.37 0.47 0.90 1.48 2.08 1.28 1.31 0.85 0.54 1.29 1.72 3.87 2.59 1.29 0.42 0.13 1.32 1.76

rating/ 1-yr beta
AAA AAA AAA AAA AAA AAA AAA AA+ AA+ AAA AAA AAA AAA AAA AAA AA AAA AAA AA+
bond/ncd
0.00% HDFC ZCB 06-02-2017 I-032 10.35% NCD(B)HDFC 16-05-2017 10.60% IRFC NCB 11-09-2018 11.10% PFC NCD 15-09-2013 11.95% HDFC DB 26-11-2018 2.00% TATA MOTORS NCD 31-03-2014 TRANCHE 3 8.20% IRFC NCD 27-04-2016 8.40% TATACAPLTD NCD 26-11-2012 V 8.42% SHREECEM NCD 22-07-2015 8.90% PGCIL NCD 25-02-2018 XXXI E 8.93% NTPC NCB 19-01-2021 XXXVII 8.95% INFOTEL NCD 15-09-2020 PPD 1 8.97% TATA SONS NCD 15-07-2020 8.99% TATA SONS NCD 07-06-2020 9.05% CANBK NCB 03-08-2020 III TIER-I 9.25% IDBIBNK NCB 29-01-2020 SERIES-IX 9.50% SBI NCB 04-11-2025 Tier II 9.70% LICHFL NCD 07-04-2013 9.70% UNITEDPHOSPHORUS NCD 09-04-2017 A
1.57 years 8.69% 0.97
fund risk profile

% total net asset
BONDS 26.04
low
high
EQUITY MONEY MARKE

0.05 0.18 0.16 1.06 0.34 0.25 0.25 0.55 0.57 0.63 0.01 0.24 0.12 0.97 0.12 0.24 0.10 1.68 0.48 0.00 0.28 0.35 0.41 0.00 3.26 2.26 0.16 2.19 0.74 0.29 0.63 0.57 1.01 0.36 1.02 0.33 0.28 0.06 0.29 0.14 0.45 0.23 0.53 0.18 3.07 0.30 0.16 0.08 1.34 0.81 0.26 0.27 1.34 0.28 0.21 0.91 0.43 0.07 0.25 0.46 0.01
35.33

ASSOCIATED CEMENT COMPANIES LTD. AUROBINDO PHARMA LTD FV1 AVENTIS PHARMA LIMITED AXIS BANK LIMITED BAJAJ AUTO LTD BANK OF BARODA BHARAT FORGE BHARAT HEAVY ELECTRICALS LTD.FV-2 BHARTI AIRTEL LIMITED CAIRN INDIA LIMITED COAL INDIA LIMITED CROMPTON GREAVES LTD D.B. CORP LIMITED DIVIS LABORATORIES LIMITED EXIDE INDUSTRIES LTD GAS AUTHORITY OF INDIA LTD. GUJARAT STATE FERTILIZER COMPANY HDFC BANK LTD.FV-2 HDFC LTD FV 2 HEXA TRADEX LIMITED HINDALCO INDUSTRIES LTD FV RE 1 HINDUSTAN LEVER LTD. HINDUSTAN ZINC LIMITEDFV-2 HT MEDIA LIMITED ICICI BANK LTD. INFOSYS LIMITED IRB INFRASTRUCTURE DEVELOPERS LIMITED ITC - FV 1 JAIPRAKASH ASSOCIATE JINDAL SAW LIMITED FV2 JINDAL STEEL & POWER LTD. KIRLOSKAR CUMMINS LARSEN&TUBRO LUPIN LIMITEDFV-2 MAHINDRA & MAHINDRA LTD.-FV5 MARUTI UDYOG LTD. MOTHERSON SUMI SYSTEMS LTD. NCC LIMITED NTPC LIMITED OIL INDIA LIMITED ONGCFV-5 POWER FINANCE CORPORATION PUNJAB NATIONAL BANK RANBAXY FV RS 5 RELIANCE INDUSTRIES LTD. SHRIRAM TRANSPORT FINANCE CO. LTD. SINTEX INDUSTRIES LTD.FV-1 SML ISUZU LIMITED STATE BANK OF INDIA STERLITE INDUSTRIES FV 1 STRIDES ARCOLAB LIMITED SUN PHARMACEUTICAL INDUSTRIES LTD.FV-1 TATA CONSULTANCY SERVICES LTD. TATA IRON & STEEL COMPANY LTD TATA MOTORS LIMITED DVRFV-2 TATA MOTORS LTD.FV-2 ULTRATECH CEMCO LTD UNITED PHOSPHOROUS LTD UNITED SPIRITS LIMITED YES BANK LTD ZEE ENTERTAINMENT ENTERPRISES LIMITED
26.04
38.63
0.06 0.17 0.31 0.92 0.38 0.31 0.23 0.57 0.73 0.60 0.02 0.21 0.22 1.55 0.18 0.35 0.13 1.81 0.48 0.02 0.19 0.62 0.39 0.00 2.43 2.41 0.13 2.89 0.49 0.28 0.50 0.90 0.92 0.72 0.99 0.43 0.35 0.04 0.34 0.28 0.63 0.16 0.56 0.23 2.63 0.25 0.13 0.19 1.16 0.53 0.30 0.37 1.37 0.20 0.15 0.61 0.63 0.07 0.24 0.35 0.02

35.33 38.63 100.00
Life Balanced Fund 1

SFIN :
ULIF00128/07/04LBALANCE01121
Benchmark
Life Balanced Fund 1
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. portfolio As on April 30, 2012
0.12 1.57 0.12 0.13 0.49 0.52 2.46 4.31 0.37 0.78 0.59 0.60 0.83 1.17 0.83 1.86 3.67 0.79 0.82 2.34 2.20 0.44 0.82 3.39 3.16 4.92 3.17 0.80 0.72 1.43 0.30 0.60 0.96 0.17 0.84 4.80 0.42

rating/ 1-yr beta
AAA AAA AAA AAA AAA AAA AAA AAA AAA AAA AAA AA+ LAA+ AAA AA+ AA+ AAA AAA AAA LAA+ AAA AAA AAA AAA AAA AAA AAA AA AAA AAA AAA AAA AAA AAA AA+ AA+ AAA
bond/ncd
10.00% USBNABARD 14-05-2012 10.05% USBNABARD 11-06-2014 10.35% HDFC NCD 06-06-2017 10.60% IRFC NCB 11-09-2018 11.10% PFC NCD 15-09-2013 11.15% HDFC NCD 06-08-2018 11.40% PFC NCD 28-11-2013 11.45% RIL NCD 25-11-2013 11.45% RIL NCD 25-11-2013 TRANCHE2 7.60% HDFC NCD 08-12-2017 C-009 8.20% NHB NCB 30-08-2013 8.23% TATACAPLTD NCD 29-07-2013 8.40% ABNL NCD 23-11-2012 8.40% HDFC NCD 08-12-2014 G -003 8.40% TATACAPLTD NCD 26-11-2012 V 8.42% SHREECEM NCD 22-07-2015 8.48% LICHFL NCD 27-09-2013 8.60% PFC NCD 07-08-2024 57.B.IIII 8.68% NCRPB NCB 18-08-2019 8.70% BAJAJFIN NCD 22-07-2015 8.75% RIL NCD 07-05-2020 8.90% PGCIL NCD 25-02-2021 XXXI H 8.90% SAIL NCB 01-05-2019 8.93% NTPC NCB 19-01-2021 XXXVII 8.95% INFOTEL NCD 15-09-2020 PPD 1 8.97% TATA SONS NCD 15-07-2020 8.99% TATA SONS NCD 07-06-2020 9.25% IDBIBNK NCB 29-01-2020 SERIES-IX 9.30% PFC NCD 12-03-2013 9.30% TATA SONS NCD 24-12-2015 9.33% PGCIL NCB 15-12-2013 9.34% SBOT NCB 31-10-2016 I 9.35% NCDLIC 23-11-2014 9.50% SBI NCB 04-11-2025 Tier II 9.50% TATA COMMUNICATIONS NCD 08-06-2014 9.70% UNITEDPHOSPHORUS NCD 09-04-2017 A 9.95% ILFS NCD 14-02-2016 VIII
2.29 years 9.43% 1.00
fund risk profile

% total net asset
GILTS EQUITY MONEY MARK BONDS 1.26 18.37 26.90 53.47
low
high
total bond/cd gilts

8.97% GOI CG 05-12-2030
53.47 sovereign
1.26 sovereign
total gilts equity

1.26
0.03 0.09 0.19 0.48 0.21 0.27 0.05 0.29 0.40 0.30 0.01 0.10 0.13 0.76 0.11 0.18 0.93 0.21 0.02 0.10 0.32 0.00 0.00 1.25 1.46 0.10 1.22 0.27 0.15 0.27 0.53 0.47 0.36 0.51 0.22 0.06 0.85 0.17 0.02 0.32 0.08 0.24 0.16 1.22 0.09 0.07 0.10 0.62 0.28 0.15 0.21 0.74 0.08 0.08 0.32 0.28 0.04 0.07 0.17 0.01 0.02 0.09 0.10 0.56 0.18 0.21 0.05 0.28 0.31 0.31 0.01 0.12 0.07 0.47 0.08 0.12 0.87 0.22 0.00 0.15 0.18 0.00 0.00 1.68 1.36 0.13 0.92 0.41 0.16 0.34 0.34 0.51 0.18 0.52 0.17 0.05 1.30 0.14 0.01 0.23 0.12 0.22 0.12 1.42 0.11 0.08 0.04 0.72 0.43 0.13 0.15 0.72 0.11 0.10 0.48 0.19 0.04 0.08 0.21 0.01

Debt.: Equity: 80% 20%
18.37 26.90 100.00
Pension Balanced Fund 1

SFIN :
ULIF03104/12/08PBALANCE01121
Benchmark
fund objective
0.21 1.74 0.50 0.22 0.49 0.60 6.35 5.15 0.49 0.77 0.74 1.79 2.46 1.21 0.82 2.06 0.81 0.78 0.81 3.35 2.33 0.42 0.84 3.55 4.29 5.24 3.43 0.78 0.82 0.48 0.26 0.62 1.10 0.22 0.89 3.65

rating/ 1-yr beta
AAA AAA AAA AAA AAA AAA AAA AAA AAA AAA AAA AA+ LAA+ AAA AA+ AA+ AAA AAA AAA LAA+ AAA AAA AAA AAA AAA AAA AAA AA AAA AAA AAA AAA AAA AAA AA+ AA+
bond/ncd
10.00% USBNABARD 14-05-2012 10.05% USBNABARD 11-06-2014 10.35% HDFC NCD 06-06-2017 10.60% IRFC NCB 11-09-2018 11.10% PFC NCD 15-09-2013 11.15% HDFC NCD 06-08-2018 11.40% PFC NCD 28-11-2013 11.45% RIL NCD 25-11-2013 11.45% RIL NCD 25-11-2013 TRANCHE2 7.60% HDFC NCD 08-12-2017 C-009 8.20% NHB NCB 30-08-2013 8.23% TATACAPLTD NCD 29-07-2013 8.40% ABNL NCD 23-11-2012 8.40% HDFC NCD 08-12-2014 G -003 8.40% TATACAPLTD NCD 26-11-2012 V 8.42% SHREECEM NCD 22-07-2015 8.48% LICHFL NCD 27-09-2013 8.60% PFC NCD 07-08-2024 57.B.IIII 8.68% NCRPB NCB 18-08-2019 8.70% BAJAJFIN NCD 22-07-2015 8.75% RIL NCD 07-05-2020 8.90% PGCIL NCD 25-02-2021 XXXI H 8.90% SAIL NCB 01-05-2019 8.93% NTPC NCB 19-01-2021 XXXVII 8.95% INFOTEL NCD 15-09-2020 PPD 1 8.97% TATA SONS NCD 15-07-2020 8.99% TATA SONS NCD 07-06-2020 9.25% IDBIBNK NCB 29-01-2020 SERIES-IX 9.30% PFC NCD 12-03-2013 9.30% TATA SONS NCD 24-12-2015 9.33% PGCIL NCB 15-12-2013 9.34% SBOT NCB 31-10-2016 I 9.35% NCDLIC 23-11-2014 9.50% SBI NCB 04-11-2025 Tier II 9.50% TATA COMMUNICATIONS NCD 08-06-2014 9.70% UNITEDPHOSPHORUS NCD 09-04-2017 A
2.55 years 9.35% 1.00
fund risk profile

% total net asset
low
high
total bond/cd gilts

8.97% GOI CG 05-12-2030 9.15% GOI CG 14-11-2024
60.27 sovereign
1.26 0.71 sovereign sovereign
total gilts equity

1.97
0.03 0.08 0.20 0.47 0.19 0.27 0.04 0.29 0.39 0.30 0.01 0.10 0.14 0.75 0.11 0.17 0.92 0.21 0.02 0.10 0.32 0.00 0.00 1.24 1.42 0.09 1.19 0.27 0.15 0.27 0.52 0.47 0.36 0.50 0.21 0.06 0.87 0.17 0.02 0.32 0.07 0.23 0.15 1.19 0.09 0.07 0.10 0.62 0.28 0.15 0.21 0.69 0.07 0.08 0.31 0.27 0.04 0.08 0.03 0.01 0.82 1.07 0.47 1.22 0.87 0.83 1.05 0.95 0.76 1.02 0.62 1.18 0.54 0.62 0.66 0.66 0.93 1.03 NA 1.45 0.58 1.09 0.76 1.34 0.86 1.32 0.75 1.53 1.12 1.27 0.66 1.11 0.51 1.03 0.79 0.82 1.57 0.85 0.46 0.69 1.36 0.96 0.81 1.19 1.22 1.28 1.17 1.53 0.88 0.74 0.94 1.37 1.34 1.49 0.65 1.00 1.05 1.31

17.99 19.77 100.00

SFIN :
fund Name gross return 12 month 24 month returns returns 5.28% 5.91% 5.69% 5.84%
ULIF04801/01/10PBALANCE02121
Benchmark
fund objective
1.28 0.32 0.34 2.28 3.26 0.33 0.59 0.63 0.63 0.63 5.90 0.63 1.85 0.63 4.80 0.62 3.10 1.84 0.39 0.78 3.10 2.79 4.35 2.80 0.60 0.63 1.26 0.40 0.63 0.95 0.63 3.18 0.38

rating/ 1-yr beta
AAA AAA AAA AAA AAA AAA AAA AAA AA+ LAA+ AAA AA+ AA+ AAA AAA AAA LAA+ AAA AAA AAA AAA AAA AAA AAA AA AAA AAA AAA AAA AAA AA+ AA+ AAA
bond/ncd
10.05% USBNABARD 11-06-2014 11.10% PFC NCD 15-09-2013 11.15% HDFC NCD 06-08-2018 11.40% PFC NCD 28-11-2013 11.45% RIL NCD 25-11-2013 11.45% RIL NCD 25-11-2013 TRANCHE2 7.60% HDFC NCD 08-12-2017 C-009 8.20% NHB NCB 30-08-2013 8.23% TATACAPLTD NCD 29-07-2013 8.40% ABNL NCD 23-11-2012 8.40% HDFC NCD 08-12-2014 G -003 8.40% TATACAPLTD NCD 26-11-2012 V 8.42% SHREECEM NCD 22-07-2015 8.48% LICHFL NCD 27-09-2013 8.60% PFC NCD 07-08-2024 57.B.IIII 8.68% NCRPB NCB 18-08-2019 8.70% BAJAJFIN NCD 22-07-2015 8.75% RIL NCD 07-05-2020 8.90% PGCIL NCD 25-02-2021 XXXI H 8.90% SAIL NCB 01-05-2019 8.93% NTPC NCB 19-01-2021 XXXVII 8.95% INFOTEL NCD 15-09-2020 PPD 1 8.97% TATA SONS NCD 15-07-2020 8.99% TATA SONS NCD 07-06-2020 9.25% IDBIBNK NCB 29-01-2020 SERIES-IX 9.30% PFC NCD 12-03-2013 9.30% TATA SONS NCD 24-12-2015 9.33% PGCIL NCB 15-12-2013 9.34% SBOT NCB 31-10-2016 I 9.35% NCDLIC 23-11-2014 9.50% TATA COMMUNICATIONS NCD 08-06-2014 9.70% UNITEDPHOSPHORUS NCD 09-04-2017 A 9.95% ILFS NCD 14-02-2016 VIII
2.80 years 9.52% 1.01
fund risk profile

% total net asset
low
high
total bond/cd gilts

8.97% GOI CG 05-12-2030
52.54 sovereign
4.16 sovereign
total gilts equity

4.16
0.03 0.08 0.17 0.43 0.17 0.25 0.11 0.28 0.35 0.28 0.01 0.10 0.13 0.68 0.10 0.16 0.86 0.19 0.01 0.09 0.32 0.19 0.00 1.18 1.32 0.08 1.10 0.25 0.13 0.25 0.47 0.45 0.33 0.47 0.19 0.05 0.83 0.17 0.02 0.30 0.05 0.22 0.14 1.10 0.08 0.06 0.10 0.57 0.26 0.14 0.18 0.64 0.06 0.08 0.29 0.24 0.03 0.06 0.86 0.01 0.02 0.09 0.09 0.50 0.15 0.20 0.12 0.27 0.28 0.29 0.01 0.11 0.07 0.42 0.07 0.11 0.80 0.19 0.00 0.14 0.18 0.21 0.00 1.58 1.23 0.11 0.83 0.38 0.13 0.31 0.30 0.49 0.17 0.48 0.14 0.04 1.27 0.14 0.01 0.21 0.07 0.20 0.11 1.29 0.10 0.08 0.04 0.66 0.40 0.12 0.13 0.63 0.08 0.10 0.43 0.16 0.03 0.07 1.11 0.01

17.73 25.57 100.00
Life Guaranteed Bond Fund-1

SFIN :
fund Name gross return 12 month 24 month 36 month returns returns returns 9.05% 7.25% 7.62%
ULIF03616/12/08LGUABOND01121
Life Guaranteed Bond Fund-1
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/ncd
0.00% NOVOIVTRUST-LOCOMATIVE PTC 18-10-2013 J 10.35% HDFC NCD 06-06-2017 10.48% ULTRACEMCO DB 16-12-2013 10.60% IRFC NCB 11-09-2018 11.00% PFC NCB 15-09-2018 11.15% HDFC NCD 06-08-2018 11.25% PFC DB 28-11-2018 11.30% ACC DB 10-12-2013 11.45% RIL NCD 25-11-2013 2.00% TATA MOTORS NCD 31-03-2014 TRANCHE 3 8.90% PGCIL NCD 25-02-2018 XXXI E 9.07% REC NCB 28-02-2018 9.15% NCRPB BS 18-02-2019 9.50% TATA COMMUNICATIONS NCD 08-06-2014 7.57 5.18 5.67 2.56 3.01 2.81 3.91 5.53 5.74 7.09 1.22 3.55 8.32 5.78 AAA AAA AAA AAA AAA AAA AAA AAA AAA AAA AAA AAA AAA AA+
fund characteristics as on April 30, 2012 M.Duration of debt portfolio: YTM of debt portfolio: 1.94 years 9.56%
% total rating/ net assets 1-yr beta
fund risk profile

% total net asset
low
high
total bond/cd total money market instruments total net assets
67.94 32.06 100.00
BONDS
67.94

Debt Instruments: 100%
Pension Guaranteed Bond Fund-1

SFIN :
fund Name gross return 12 month 24 month 36 month returns returns returns 9.04% 7.24% 7.67%
ULIF03716/12/08PGUABOND01121
Pension Guaranteed Bond Fund - 1
fund objective

security
bond/ncd
0.00% NOVOIVTRUST-LOCOMATIVE PTC 18-10-2013 J 10.35% HDFC NCD 06-06-2017 10.48% ULTRACEMCO DB 16-12-2013 10.60% IRFC NCB 11-09-2018 11.00% PFC NCB 15-09-2018 11.15% HDFC NCD 06-08-2018 11.25% PFC DB 28-11-2018 11.30% ACC DB 10-12-2013 11.45% RIL NCD 25-11-2013 2.00% TATA MOTORS NCD 31-03-2014 TRANCHE 3 8.90% PGCIL NCD 25-02-2018 XXXI E 9.07% REC NCB 28-02-2018 9.15% NCRPB BS 18-02-2019 9.50% TATA COMMUNICATIONS NCD 08-06-2014 7.79 5.07 5.87 2.61 2.95 2.64 3.98 5.63 5.63 7.21 1.12 3.61 8.47 5.78 AAA AAA AAA AAA AAA AAA AAA AAA AAA AAA AAA AAA AAA AA+
fund risk profile

% total net asset
low
high
total bond/cd total money market instruments total net assets
68.36 31.64 100.00
BONDS
68.36

Life Pure Debt Fund 1

SFIN :
ULIF00909/04/07LPURDEBT01121
Benchmark
Life Pure Debt Fund 1
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.

security % total rating/ net 1-yr beta assets
bond/ncd
10.00% USBNABARD 14-05-2012 10.60% IRFC NCB 11-09-2018 10.90% REC DB 14-08-2013 11.25% PFC DB 28-11-2018 11.45% RIL NCD 25-11-2013 2.00% INDHOTL NCD 09-12-2014 2.00% TATA MOTORS NCD 31-03-2014 TRANCHE 3 8.40% HDFC NCD 08-12-2014 G -003 8.90% PGCIL NCD 25-02-2015 XXXI B 8.93% NTPC NCB 19-01-2021 XXXVII 8.95% INFOTEL NCD 15-09-2020 PPD 1 8.98% NCRPB BS 14-02-2018 9.18% TATA SONS NCD 23-11-2020 9.25% IDBIBNK NCB 29-01-2020 SERIES-IX 9.30% TATA SONS NCD 24-12-2015 9.70% LICHFL NCD 07-04-2013 9.70% UNITEDPHOSPHORUS NCD 09-04-2017 A 0.49 3.00 9.34 1.00 0.20 5.51 5.61 4.58 1.13 2.31 2.31 2.36 2.34 2.25 0.53 4.70 2.62 AAA AAA AAA AAA AAA LAA+ AAA AAA AAA AAA AAA AAA AAA AA AAA AAA AA+
fund risk profile

% total net asset
GILTS MONEY MARKET INSTR BONDS 5.45
low
high
44.25
50.30
total bond/cd gilts

8.53% 8.66% 8.97% 9.15% TAMILNADU SDL 2020 TAMILNADU SDL 2022 GOI CG 05-12-2030 GOI CG 14-11-2024
50.30 sovereign
4.57 0.10 0.25 0.54 sovereign sovereign sovereign sovereign
total gilts total money market instruments total net assets
5.45 44.25 100.00

CRISIL Composite Bond Index: 100%
Life Gilt Fund 1

SFIN :
ULIF02610/06/08LGILTFUN01121
gross return fund Name 12 month 24 month 36 month returns returns returns 6.41% 5.46% 3.52% 6.30% 6.22% 5.04%
Benchmark
Life Gilt Fund 1
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 2024 GOI CG 11-04-2018 GOI CG 16-01-2020 UTTARPRADESH SDL 2020 ANDHRAPRADESH SDL 2021 GOI CG 05-12-2030 GOI CG 14-11-2024 0.33 3.19 7.75 1.35 2.66 5.17 9.69 sovereign sovereign sovereign sovereign sovereign sovereign sovereign
gilts
fund risk profile
7.35% 7.83% 8.19% 8.39% 8.66% 8.97% 9.15% high

% total net asset
GILTS 30.14
low
30.14 69.86 100.00
MONEY MARKET INSTRU MENTS
69.86

Government Securities: 100%
I-Sec Composite Sovereign Bond Index:100%
Life Gilt Fund 2

SFIN :
ULIF03819/03/09LGILTFUN02121
gross return fund Name 12 month returns 6.41% 6.69%
Benchmark
Life Gilt Fund 2
fund objective

security % total rating/ net 1-yr beta assets
bond/ncd
fund risk profile
8.40% ABNL NCD 23-11-2012
1.58
LAA+
total bond/cd gilts

7.35% 8.19% 8.39% 8.66% 8.66% 8.97% 9.15% GOI 2024 GOI CG 16-01-2020 UTTARPRADESH SDL 2020 ANDHRAPRADESH SDL 2021 TAMILNADU SDL 2022 GOI CG 05-12-2030 GOI CG 14-11-2024
1.58 sovereign
0.35 9.34 2.14 2.70 10.27 5.38 2.93 sovereign sovereign sovereign sovereign sovereign sovereign sovereign

% total net asset
BONDS 1.58
low
high
GILTS
33.11
33.11 65.31 100.00

MONEY MARKET INSTR 65.31

Pension Gilt Fund 1

SFIN :
ULIF06401/03/08PGILTFUN01121
Benchmark
Pension Gilt Fund 1
fund objective

GOI 2024 GOI CG 16-01-2020 UTTARPRADESH SDL 2020 ANDHRAPRADESH SDL 2021 GOI CG 05-12-2030 GOI CG 14-11-2024 0.42 12.63 2.58 3.20 5.69 14.79 sovereign sovereign sovereign sovereign sovereign sovereign
gilts
fund risk profile
7.35% 8.19% 8.39% 8.66% 8.97% 9.15% high

% total net asset
GILTS 39.32
total gilts
low low to moderate moderate moderate to high
39.32 60.68 100.00
total money market instruments total net assets
60.68

Health Gilt Fund 1

SFIN :
ULIF01301/02/08HGILTFUN01121
Benchmark
Health Gilt Fund 1
fund objective

GOI 2024 GOI CG 16-01-2020 UTTARPRADESH SDL 2020 ANDHRAPRADESH SDL 2021 GOI CG 05-12-2030 GOI CG 14-11-2024 0.39 10.60 2.40 2.97 4.21 14.48 sovereign sovereign sovereign sovereign sovereign sovereign
gilts
fund risk profile
7.35% 8.19% 8.39% 8.66% 8.97% 9.15% high

% total net asset
GILTS 35.03
total gilts
low low to moderate moderate moderate to high
35.03 64.97 100.00
total money market instruments total net assets
64.97

Life Capital Secure Fund 1

SFIN :
ULIF00228/07/04LCAPTSEC01121
Benchmark
Life Capital Secure Fund 1
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.
security

fund characteristics as on April 30, 2012 YTM of debt portfolio: 9.80%
other money market Instrument total net assets
100.00 100.00
fund risk profile

% total net asset
low
high
total money market instruments
100%

Money Market Instruments : 100%
Yield on 182-day T.Bills : 100%
Pension Capital Secure Fund 1

SFIN :
ULIF00501/11/06PCAPTSEC01121
gross return 12 month 24 month 36 month 48 month 60 month fund Name returns returns returns returns returns Benchmark 8.72% 7.66% 6.44% 6.69% 6.88% Pension Capital Secure Fund 1 9.57% 8.57% 8.18% 8.78% 8.87%
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.
security

100.00 100.00
fund risk profile

% total net asset
low
high
100%

Yield on 182-day T.Bills : 100%
Life Corporate Bond Fund 1

SFIN :
ULIF02310/06/08LCORBOND01121
gross return fund Name 12 month 24 month 36 month returns returns returns 8.21% 6.36% 5.33% 8.64% 7.16% 7.66%
Benchmark
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/ncd
0.00% NOVOIVTRUST-LOCOMATIVE PTC 18-10-2013 J 10.48% ULTRACEMCO DB 16-12-2013 10.90% REC NCD 30-09-2013 11.10% PFC NCD 15-09-2013 11.30% ACC DB 10-12-2013 11.45% RIL NCD 25-11-2013 11.45% RIL NCD 25-11-2013 TRANCHE2 2.00% INDHOTL NCD 09-12-2014 2.00% TATA MOTORS NCD 31-03-2014 TRANCHE 3 7.60% HDFC NCD 08-12-2017 C-009 8.20% NHB NCB 30-08-2013 8.40% ABNL NCD 23-11-2012 8.40% TATACAPLTD NCD 26-11-2012 V 8.68% NCRPB NCB 18-08-2019 8.75% RIL NCD 07-05-2020 8.90% PGCIL NCD 25-02-2016 XXXI C 8.90% SAIL NCB 01-05-2019 8.93% NTPC NCB 19-01-2021 XXXVII 8.95% INFOTEL NCD 15-09-2020 PPD 1 8.99% TATA SONS NCD 07-06-2020 9.18% TATA SONS NCD 23-11-2020 9.30% PFC NCD 12-03-2013 9.30% TATA SONS NCD 24-12-2015 9.32% DBHDFC 17-12-2012 9.33% PGCIL NCB 15-12-2013 9.35% NCDLIC 23-11-2014 9.47% PGCIL DB 31-03-2013 9.50% SBI NCB 04-11-2025 Tier II 9.63% PFC NCD 15-12-2014 82-A 9.66% NABARD NCB 18-10-2014 XII Q 9.70% LICHFL NCD 07-04-2013 9.70% UNITEDPHOSPHORUS NCD 09-04-2017 A 9.87% TATA SONS NCD 16-04-2017 9.95% ILFS NCD 14-02-2016 VIII 1.46 0.07 6.86 1.65 0.10 1.83 0.42 2.45 0.92 0.91 0.63 2.04 0.54 2.24 2.47 0.50 1.02 5.19 2.04 1.32 1.00 0.07 2.01 0.40 0.67 0.40 0.25 0.04 0.07 0.07 1.52 0.84 1.03 0.01 AAA AAA AAA AAA AAA AAA AAA LAA+ AAA AAA AAA LAA+ AA+ AAA AAA AAA AAA AAA AAA AAA AAA AAA AAA AAA AAA AAA AAA AAA AAA AAA AAA AA+ AAA AAA
fund risk profile

% total net asset
GILTS 4.10
low
high
BONDS MONEY MARKET INSTR
43.04
52.85
total bond/cd gilts

7.35% GOI 2024 8.97% GOI CG 05-12-2030 9.15% GOI CG 14-11-2024
43.04
Sovereign 0.93 sovereign 0.03 sovereign 3.15 sovereign
4.10 52.85 100.00

Bond Instruments: 100%

SFIN :
ULIF04020/08/09LCORBOND02121
gross return fund Name 12 month returns 8.21% 8.72%
Benchmark
fund objective

bond/ncd
0.00% NOVOIVTRUST-LOCOMATIVE PTC 18-10-2013 J 11.10% PFC NCD 15-09-2013 2.00% INDHOTL NCD 09-12-2014 2.00% TATA MOTORS NCD 31-03-2014 TRANCHE 3 7.60% HDFC NCD 08-12-2017 C-009 8.20% NHB NCB 30-08-2013 8.40% ABNL NCD 23-11-2012 8.68% NCRPB NCB 18-08-2019 8.90% PGCIL NCD 25-02-2016 XXXI C 8.90% SAIL NCB 01-05-2019 8.93% NTPC NCB 19-01-2021 XXXVII 8.95% INFOTEL NCD 15-09-2020 PPD 1 8.99% TATA SONS NCD 07-06-2020 9.30% TATA SONS NCD 24-12-2015 9.32% DBHDFC 17-12-2012 9.33% PGCIL NCB 15-12-2013 9.35% NCDLIC 23-11-2014 9.50% SBI NCB 04-11-2025 Tier II 9.70% LICHFL NCD 07-04-2013 9.70% UNITEDPHOSPHORUS NCD 09-04-2017 A 9.95% ILFS NCD 14-02-2016 VIII 1.69 2.35 2.71 1.36 1.08 0.76 2.29 1.13 0.47 1.13 2.25 2.25 1.13 1.15 0.38 0.48 0.38 0.05 1.16 1.16 1.21 AAA AAA LAA+ AAA AAA AAA LAA+ AAA AAA AAA AAA AAA AAA AAA AAA AAA AAA AAA AAA AA+ AAA
fund risk profile

% total net asset
GILTS 5.31
low
high
26.57
68.13
total bond/cd gilts

7.35% GOI 2024 8.97% GOI CG 05-12-2030 9.15% GOI CG 14-11-2024
26.57
5.31 68.13 100.00

Pension Corporate Bond Fund 1

SFIN :
ULIF01901/03/08PCORBOND01121
Benchmark
Pension Corporate Bond Fund 1
fund objective

bond/ncd
0.00% NOVOIVTRUST-LOCOMATIVE PTC 18-10-2013 J 11.10% PFC NCD 15-09-2013 2.00% INDHOTL NCD 09-12-2014 2.00% TATA MOTORS NCD 31-03-2014 TRANCHE 3 7.60% HDFC NCD 08-12-2017 C-009 8.20% NHB NCB 30-08-2013 8.40% ABNL NCD 23-11-2012 8.68% NCRPB NCB 18-08-2019 8.90% PGCIL NCD 25-02-2016 XXXI C 8.90% SAIL NCB 01-05-2019 8.93% NTPC NCB 19-01-2021 XXXVII 8.95% INFOTEL NCD 15-09-2020 PPD 1 8.97% TATA SONS NCD 15-07-2020 8.99% TATA SONS NCD 07-06-2020 9.18% TATA SONS NCD 23-11-2020 9.30% TATA SONS NCD 24-12-2015 9.32% DBHDFC 17-12-2012 9.33% PGCIL NCB 15-12-2013 9.35% NCDLIC 23-11-2014 9.50% SBI NCB 04-11-2025 Tier II 9.70% LICHFL NCD 07-04-2013 9.70% UNITEDPHOSPHORUS NCD 09-04-2017 A 9.95% ILFS NCD 14-02-2016 VIII 2.66 3.08 3.55 1.19 1.88 0.99 3.00 1.97 1.24 1.48 2.94 2.95 0.98 1.97 3.98 2.00 1.01 1.25 1.01 0.07 2.02 1.01 1.72 AAA AAA LAA+ AAA AAA AAA LAA+ AAA AAA AAA AAA AAA AAA AAA AAA AAA AAA AAA AAA AAA AAA AA+ AAA
fund risk profile

% total net asset
GILTS 6.66
low
high
43.95
49.39
total bond/cd gilts

7.35% GOI 2024 8.97% GOI CG 05-12-2030 9.15% GOI CG 14-11-2024
43.95
Sovereign 1.52 sovereign 1.71 sovereign 3.44
6.66 49.39 100.00

Health Corporate Bond Fund 1

SFIN :
ULIF06301/02/08HCORBOND01121
Benchmark
Health Corporate Bond Fund 1
fund objective

bond/ncd
0.00% NOVOIVTRUST-LOCOMATIVE PTC 18-10-2013 J 11.10% PFC NCD 15-09-2013 2.00% INDHOTL NCD 09-12-2014 2.00% TATA MOTORS NCD 31-03-2014 TRANCHE 3 7.60% HDFC NCD 08-12-2017 C-009 8.40% ABNL NCD 23-11-2012 8.68% NCRPB NCB 18-08-2019 8.90% SAIL NCB 01-05-2019 8.93% NTPC NCB 19-01-2021 XXXVII 8.95% INFOTEL NCD 15-09-2020 PPD 1 8.99% TATA SONS NCD 07-06-2020 9.18% TATA SONS NCD 23-11-2020 9.30% TATA SONS NCD 24-12-2015 9.50% SBI NCB 04-11-2025 Tier II 9.70% LICHFL NCD 07-04-2013 9.70% UNITEDPHOSPHORUS NCD 09-04-2017 A 9.95% ILFS NCD 14-02-2016 VIII 1.41 1.63 3.75 1.89 1.49 3.17 1.56 1.56 3.11 3.12 1.56 1.58 1.59 0.05 1.60 1.60 1.28 AAA AAA LAA+ AAA AAA LAA+ AAA AAA AAA AAA AAA AAA AAA AAA AAA AA+ AAA
fund risk profile

% total net asset
GILTS 5.55
low
high
BONDS MONEY MARKET INSTRU
31.96
total bond/cd gilts

7.35% GOI 2024 8.97% GOI CG 05-12-2030 9.15% GOI CG 14-11-2024
31.96
62.49
5.55 62.49 100.00

Life Money Market Fund 1

SFIN :
ULIF02910/06/08LMONMRKT01121
Benchmark
Life Money Market Fund 1 gross return fund Name 12 month 24 month 36 month returns returns returns 8.62% 7.57% 6.08% 9.84% 8.90% 8.62%
fund objective

security % total rating/ net assets 1-yr beta
100.00 100.00
fund risk profile

% total net asset
low
high
100%

CRISIL Liquid Bond Index: 100%
Life Money Market Fund 2

SFIN :
ULIF03919/03/09LMONMRKT02121
Benchmark
Life Money Market Fund 2 gross return fund Name 12 month returns 8.62% 9.77%
fund objective

100.00 100.00
fund risk profile

% total net asset
low
high
100%

Pension Money Market Fund 1

SFIN :
ULIF03404/12/08PMONMRKT01121
gross return 12 month 24 month 36 month returns returns returns Benchmark 8.62% 7.57% 6.08% Pension Money Market Fund 1 9.75% 8.84% 8.56% fund Name
fund objective

100.00 100.00
fund risk profile

% total net asset
low
high
100%

Pension Money Market Fund 2

SFIN :
ULIF05201/01/10PMONMRKT02121
gross return 12 month 24 month returns returns 7.57% Benchmark 8.62% 8.79% Pension Money Market Fund 2 9.65% fund Name
fund objective

100.00 100.00
fund risk profile

% total net asset
low
high
100%

Health Money Market Fund 1

SFIN :
ULIF01501/02/08HMONMRKT01121
Benchmark
Health Money Market Fund 1
fund objective

100.00 100.00
fund risk profile

% total net asset
low
low to moderate moderate low to moderate moderate to high
high
100%

Life Highest NAV Guarantee Fund 1

SFIN :
ULIF05612/02/10LHNAVGUA01121
Highest NAV as on 29th Feb 2012 11.8289
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

equity
fund risk profile
low
high
BAJAJ AUTO LTD BHARAT HEAVY ELECTRICALS LTD.FV-2 BHARTI AIRTEL LIMITED CIPLA LTD. COAL INDIA LIMITED GAS AUTHORITY OF INDIA LTD. HDFC BANK LTD.FV-2 HDFC LTD FV 2 HERO MOTOCORP LIMITED HINDALCO INDUSTRIES LTD FV RE 1 HINDUSTAN LEVER LTD. ICICI BANK LTD. INFOSYS LIMITED ITC - FV 1 JINDAL STEEL & POWER LTD. LARSEN&TUBRO MAHINDRA & MAHINDRA LTD.-FV5 MARUTI UDYOG LTD. NTPC LIMITED ONGCFV-5 RELIANCE INDUSTRIES LTD. STATE BANK OF INDIA STERLITE INDUSTRIES FV 1 SUN PHARMACEUTICAL INDUSTRIES LTD.FV-1 TATA CONSULTANCY SERVICES LTD. TATA IRON & STEEL COMPANY LTD TATA MOTORS LTD.FV-2 TATA POWER CO. LTD.FV-1 WIPRO
0.21 0.18 0.38 0.15 0.20 0.15 0.93 0.91 0.20 0.15 0.41 0.93 1.10 1.23 0.19 0.62 0.30 0.18 0.24 0.53 1.23 0.56 0.15 0.23 0.67 0.29 0.51 0.16 0.23
0.19 0.17 0.30 0.07 0.13 0.11 0.87 0.92 0.13 0.22 0.23 1.25 1.03 0.93 0.24 0.68 0.31 0.14 0.21 0.38 1.43 0.64 0.22 0.17 0.65 0.40 0.76 0.15 0.19

% total net asset
EQUITY 13.22
MONEY MARKET INSTRUM ENTS
86.78
13.22 86.78 100.00

Equity : Debt : 0 to 100% 0 to 100%
Sensex: 100%
Life Highest NAV Advantage Fund 1

SFIN :
ULIF05803/09/10LHNAVADV01121
fund objective

equity
fund risk profile
low
high
0.45 0.37 0.78 0.31 0.42 0.32 1.93 1.88 0.42 0.31 0.86 1.93 2.28 2.55 0.40 1.29 0.62 0.38 0.51 1.10 2.55 1.16 0.30 0.47 1.39 0.60 1.05 0.33 0.47
0.39 0.35 0.62 0.14 0.27 0.22 1.80 1.91 0.28 0.45 0.48 2.59 2.13 1.93 0.51 1.41 0.64 0.29 0.43 0.79 2.98 1.33 0.47 0.35 1.35 0.83 1.58 0.32 0.40

% total net asset
EQUITY 27.43
MONEY MARKET INSTRUM ENTS
72.57
27.43 72.57 100.00

Sensex: 100%
Life Highest NAV Advantage Fund 2

SFIN :
ULIF05901/06/11LHNAVADV02121
fund objective

equity
fund risk profile
low
high
1.18 0.97 2.08 0.82 1.12 0.84 5.12 4.99 1.12 0.81 2.27 5.12 6.04 6.75 1.07 3.41 1.65 1.00 1.34 2.91 6.75 3.07 0.81 1.26 3.68 1.59 2.79 0.89 1.25
1.05 0.93 1.64 0.37 0.72 0.58 4.77 5.06 0.74 1.19 1.28 6.87 5.65 5.12 1.35 3.73 1.70 0.77 1.13 2.08 7.89 3.54 1.24 0.92 3.58 2.21 4.19 0.84 1.07

% total net asset
EQUITY
72.67
72.67 27.33 100.00

Sensex: 100%
Product Details
Navs as of 30 Apr, 2012
SFIN ULIF03104/12/08PBALANCE01121 ULIF00501/11/06PCAPTSEC01121 ULIF02001/03/08PENRGYYF01121 ULIF00601/11/06PEQUITYF01121 ULIF03204/12/08PEQUITYF02121 ULIF03304/12/08PGROWTHF01121 ULIF02101/03/08PINFRAST01121 ULIF02201/03/08PMIDCAPF01121 ULIF03504/12/08PPUEQUTY01121 ULIF03104/12/08PBALANCE01121 ULIF00501/11/06PCAPTSEC01121 ULIF02001/03/08PENRGYYF01121 ULIF00601/11/06PEQUITYF01121 ULIF03204/12/08PEQUITYF02121 ULIF03304/12/08PGROWTHF01121 ULIF02101/03/08PINFRAST01121 ULIF02201/03/08PMIDCAPF01121 ULIF03504/12/08PPUEQUTY01121 ULIF03104/12/08PBALANCE01121 ULIF00501/11/06PCAPTSEC01121 ULIF02001/03/08PENRGYYF01121 ULIF00601/11/06PEQUITYF01121 ULIF00601/11/06PEQUITYF01121 ULIF03204/12/08PEQUITYF02121 ULIF03304/12/08PGROWTHF01121 ULIF02101/03/08PINFRAST01121 ULIF02201/03/08PMIDCAPF01121 ULIF03504/12/08PPUEQUTY01121 ULIF01102/11/07LGROWTHF02121 ULIF00809/04/07LGRWTPLS01121 ULIF00728/02/07LHIGROWT01121 ULIF00909/04/07LPURDEBT01121 ULIF00128/07/04LBALANCE01121 ULIF00128/07/04LBALANCE01121 ULIF02310/06/08LCORBOND01121 ULIF02410/06/08LENERGYF01121 ULIF02510/06/08LEQUITYF02121 ULIF02610/06/08LGILTFUN01121 ULIF02610/06/08LGILTFUN01121 ULIF00809/04/07LGRWTPLS01121 ULIF02710/06/08LINFRAST01121 ULIF02810/06/08LMIDCAPF01121 ULIF02910/06/08LMONMRKT01121 ULIF03010/06/08LPUEQUTY01121 ULIF01009/04/07LSPRGRWT01121 ULIF00128/07/04LBALANCE01121 ULIF00128/07/04LBALANCE01121 ULIF00228/07/04LCAPTSEC01121 ULIF02410/06/08LENERGYF01121 ULIF02510/06/08LEQUITYF02121 ULIF00328/07/04LEQUITYF01121 ULIF02510/06/08LEQUITYF02121 ULIF00428/07/04LGROWTHF01121 ULIF02710/06/08LINFRAST01121 ULIF02810/06/08LMIDCAPF01121 ULIF03010/06/08LPUEQUTY01121 ULIF06301/02/08HCORBOND01121 ULIF06001/02/08HENERGYF01121 ULIF01201/02/08HEQUITYF01121 ULIF01301/02/08HGILTFUN01121 ULIF01301/02/08HGILTFUN01121 ULIF01401/02/08HGRWTPLS01121
Plan Name Reliance Golden Years Plan Reliance Golden Years Plan Reliance Golden Years Plan Reliance Golden Years Plan Reliance Golden Years Plan Reliance Golden Years Plan Reliance Golden Years Plan Reliance Golden Years Plan Reliance Golden Years Plan Reliance Golden Years Plan - Plus Reliance Golden Years Plan - Plus Reliance Golden Years Plan - Plus Reliance Golden Years Plan - Plus Reliance Golden Years Plan - Plus Reliance Golden Years Plan - Plus Reliance Golden Years Plan - Plus Reliance Golden Years Plan - Plus Reliance Golden Years Plan - Plus Reliance Golden Years Plan - Value Reliance Golden Years Plan - Value Reliance Golden Years Plan - Value Reliance Golden Years Plan - Value Reliance Golden Years Plan - Value Reliance Golden Years Plan - Value Reliance Golden Years Plan - Value Reliance Golden Years Plan - Value Reliance Golden Years Plan - Value Reliance Golden Years Plan - Value Reliance Money Guarantee Plan Reliance Money Guarantee Plan Reliance Money Guarantee Plan Reliance Money Guarantee Plan Reliance Money Guarantee Plan Reliance Automatic Investment Plan Reliance Automatic Investment Plan Reliance Automatic Investment Plan Reliance Automatic Investment Plan Reliance Automatic Investment Plan Reliance Automatic Investment Plan Reliance Automatic Investment Plan Reliance Automatic Investment Plan Reliance Automatic Investment Plan Reliance Automatic Investment Plan Reliance Automatic Investment Plan Reliance Automatic Investment Plan Reliance Market Return Plan Reliance Market Return Plan Reliance Market Return Plan Reliance Market Return Plan Reliance Market Return Plan Reliance Market Return Plan Reliance Market Return Plan Reliance Market Return Plan Reliance Market Return Plan Reliance Market Return Plan Reliance Market Return Plan Reliance Wealth + Health Plan Reliance Wealth + Health Plan Reliance Wealth + Health Plan Reliance Wealth + Health Plan Reliance Wealth + Health Plan Reliance Wealth + Health Plan
Fund Name Pension Balanced Fund 1 Pension Capital Secure Fund 1 Pension Energy Fund 1 Pension Equity Fund 1 Pension Equity Fund 2 Pension Growth Fund 1 Pension Infrastructure Fund 1 Pension Midcap Fund 1 Pension Pure Equity Fund 1 Pension Balanced Fund 1 Pension Capital Secure Fund 1 Pension Energy Fund 1 Pension Equity Fund 1 Pension Equity Fund 2 Pension Growth Fund 1 Pension Infrastructure Fund 1 Pension Midcap Fund 1 Pension Pure Equity Fund 1 Pension Balanced Fund 1 Pension Capital Secure Fund 1 Pension Energy Fund 1 Pension Equity Fund 1 Pension Equity Fund 1 Pension Equity Fund 2 Pension Growth Fund 1 Pension Infrastructure Fund 1 Pension Midcap Fund 1 Pension Pure Equity Fund 1 Life Growth Fund 2 Life Growth Plus Fund 1 Life High Growth Fund 1 Life Pure Debt Fund 1 Life Balanced Fund 1 Life Balanced Fund 1 Life Corporate Bond Fund 1 Life Energy Fund 1 Life Equity Fund 2 Life Gilt Fund 1 Life Gilt Fund 1 Life Growth Plus Fund 1 Life Infrastructure Fund 1 Life Midcap Fund 1 Life Money Market Fund 1 Life Pure Equity Fund 1 Life Super Growth Fund 1 Life Balanced Fund 1 Life Balanced Fund 1 Life Capital Secure Fund 1 Life Energy Fund 1 Life Equity Fund 2 Life Equity Fund 1 Life Equity Fund 2 Life Growth Fund 1 Life Infrastructure Fund 1 Life Midcap Fund 1 Life Pure Equity Fund 1 Health Corporate Bond Fund 1 Health Energy Fund 1 Health Equity Fund 1 Health Gilt Fund 1 Health Gilt Fund 1 Health Growth Plus Fund 1
NAV 17.9409 16.1326 9.2550 13.4373 11.6292 15.4022 6.6831 10.7233 11.1407 17.9409 16.1326 9.2550 13.4373 11.6292 15.4022 6.6831 10.7233 11.1407 17.9409 16.1326 9.2550 13.4373 13.4373 11.6292 15.4022 6.6831 10.7233 11.1407 11.4218 13.8852 13.7346 14.4062 17.9664 17.9664 13.4661 9.7626 12.0039 12.1452 12.1452 13.8852 7.0157 10.2614 13.4252 12.3591 11.6938 17.9664 17.9664 16.0654 9.7626 12.0039 27.2727 12.0039 19.2917 7.0157 10.2614 12.3591 13.6564 9.1138 9.6400 12.2064 12.2064 11.3567
Product Details
SFIN ULIF06101/02/08HINFRAST01121 ULIF06201/02/08HMIDCAPF01121 ULIF01501/02/08HMONMRKT01121 ULIF01601/02/08HPUEQUTY01121 ULIF01701/02/08HSPRGRWT01121 ULIF03616/12/08LGUABOND01121 ULIF00128/07/04LBALANCE01121 ULIF03616/12/08LGUABOND01121 ULIF00128/07/04LBALANCE01121 ULIF03716/12/08PGUABOND01121 ULIF03716/12/08PGUABOND01121 ULIF00128/07/04LBALANCE01121 ULIF02310/06/08LCORBOND01121 ULIF02410/06/08LENERGYF01121 ULIF02510/06/08LEQUITYF02121 ULIF02610/06/08LGILTFUN01121 ULIF02610/06/08LGILTFUN01121 ULIF00809/04/07LGRWTPLS01121 ULIF02710/06/08LINFRAST01121 ULIF02810/06/08LMIDCAPF01121 ULIF02910/06/08LMONMRKT01121 ULIF03010/06/08LPUEQUTY01121 ULIF01009/04/07LSPRGRWT01121 ULIF03104/12/08PBALANCE01121 ULIF02001/03/08PENRGYYF01121 ULIF03204/12/08PEQUITYF02121 ULIF03304/12/08PGROWTHF01121 ULIF02101/03/08PINFRAST01121 ULIF02201/03/08PMIDCAPF01121 ULIF03404/12/08PMONMRKT01121 ULIF03504/12/08PPUEQUTY01121 ULIF03104/12/08PBALANCE01121 ULIF02001/03/08PENRGYYF01121 ULIF03204/12/08PEQUITYF02121 ULIF03304/12/08PGROWTHF01121 ULIF02101/03/08PINFRAST01121 ULIF02201/03/08PMIDCAPF01121 ULIF03404/12/08PMONMRKT01121 ULIF03504/12/08PPUEQUTY01121 ULIF03104/12/08PBALANCE01121 ULIF02001/03/08PENRGYYF01121 ULIF03204/12/08PEQUITYF02121 ULIF03304/12/08PGROWTHF01121 ULIF02101/03/08PINFRAST01121 ULIF02201/03/08PMIDCAPF01121 ULIF03404/12/08PMONMRKT01121 ULIF03504/12/08PPUEQUTY01121 ULIF02310/06/08LCORBOND01121 ULIF02410/06/08LENERGYF01121 ULIF02510/06/08LEQUITYF02121 ULIF02610/06/08LGILTFUN01121 ULIF02610/06/08LGILTFUN01121 ULIF02710/06/08LINFRAST01121 ULIF02810/06/08LMIDCAPF01121 ULIF02910/06/08LMONMRKT01121 ULIF03010/06/08LPUEQUTY01121 ULIF00128/07/04LBALANCE01121 ULIF01901/03/08PCORBOND01121 ULIF02001/03/08PENRGYYF01121 ULIF03204/12/08PEQUITYF02121 ULIF06401/03/08PGILTFUN01121 ULIF06401/03/08PGILTFUN01121
Plan Name Reliance Wealth + Health Plan Reliance Wealth + Health Plan Reliance Wealth + Health Plan Reliance Wealth + Health Plan Reliance Wealth + Health Plan Reliance Guaranteed Return Plan Series I - Insurance Reliance Guaranteed Return Plan Series I - Insurance Reliance Guaranteed Return Plan Series I - Insurance (New) Reliance Guaranteed Return Plan Series I - Insurance (New) Reliance Guaranteed Return Plan Series I - Pension Reliance Guaranteed Return Plan Series I - Pension (New) Reliance Super Automatic Investment Plan Reliance Super Automatic Investment Plan Reliance Super Automatic Investment Plan Reliance Super Automatic Investment Plan Reliance Super Automatic Investment Plan Reliance Super Automatic Investment Plan Reliance Super Automatic Investment Plan Reliance Super Automatic Investment Plan Reliance Super Automatic Investment Plan Reliance Super Automatic Investment Plan Reliance Super Automatic Investment Plan Reliance Super Automatic Investment Plan Reliance Super Golden Years Plan Reliance Super Golden Years Plan Reliance Super Golden Years Plan Reliance Super Golden Years Plan Reliance Super Golden Years Plan Reliance Super Golden Years Plan Reliance Super Golden Years Plan Reliance Super Golden Years Plan Reliance Super Golden Years Plan - Plus Reliance Super Golden Years Plan - Plus Reliance Super Golden Years Plan - Plus Reliance Super Golden Years Plan - Plus Reliance Super Golden Years Plan - Plus Reliance Super Golden Years Plan - Plus Reliance Super Golden Years Plan - Plus Reliance Super Golden Years Plan - Plus Reliance Super Golden Years Plan - Value Reliance Super Golden Years Plan - Value Reliance Super Golden Years Plan - Value Reliance Super Golden Years Plan - Value Reliance Super Golden Years Plan - Value Reliance Super Golden Years Plan - Value Reliance Super Golden Years Plan - Value Reliance Super Golden Years Plan - Value Reliance Total Investment Plan Series I - Insurance Reliance Total Investment Plan Series I - Insurance Reliance Total Investment Plan Series I - Insurance Reliance Total Investment Plan Series I - Insurance Reliance Total Investment Plan Series I - Insurance Reliance Total Investment Plan Series I - Insurance Reliance Total Investment Plan Series I - Insurance Reliance Total Investment Plan Series I - Insurance Reliance Total Investment Plan Series I - Insurance Reliance Total Investment Plan Series I - Insurance Reliance Total Investment Plan Series II - Pension Reliance Total Investment Plan Series II - Pension Reliance Total Investment Plan Series II - Pension Reliance Total Investment Plan Series II - Pension Reliance Total Investment Plan Series II - Pension
Fund Name Health Infrastructure Fund 1 Health Midcap Fund 1 Health Money Market Fund 1 Health Pure Equity Fund 1 Health Super Growth Fund 1 Life Guaranteed Bond Fund - 1 Life Balanced Fund 1 Life Guaranteed Bond Fund - 1 Life Balanced Fund 1 Pension Guaranteed Bond Fund - 1 Pension Guaranteed Bond Fund - 1 Life Balanced Fund 1 Life Corporate Bond Fund 1 Life Energy Fund 1 Life Equity Fund 2 Life Gilt Fund 1 Life Gilt Fund 1 Life Growth Plus Fund 1 Life Infrastructure Fund 1 Life Midcap Fund 1 Life Money Market Fund 1 Life Pure Equity Fund 1 Life Super Growth Fund 1 Pension Balanced Fund 1 Pension Energy Fund 1 Pension Equity Fund 2 Pension Growth Fund 1 Pension Infrastructure Fund 1 Pension Midcap Fund 1 Pension Money Market Fund 1 Pension Pure Equity Fund 1 Pension Balanced Fund 1 Pension Energy Fund 1 Pension Equity Fund 2 Pension Growth Fund 1 Pension Infrastructure Fund 1 Pension Midcap Fund 1 Pension Money Market Fund 1 Pension Pure Equity Fund 1 Pension Balanced Fund 1 Pension Energy Fund 1 Pension Equity Fund 2 Pension Growth Fund 1 Pension Infrastructure Fund 1 Pension Midcap Fund 1 Pension Money Market Fund 1 Pension Pure Equity Fund 1 Life Corporate Bond Fund 1 Life Energy Fund 1 Life Equity Fund 2 Life Gilt Fund 1 Life Gilt Fund 1 Life Infrastructure Fund 1 Life Midcap Fund 1 Life Money Market Fund 1 Life Pure Equity Fund 1 Life Balanced Fund 1 Pension Corporate Bond Fund 1 Pension Energy Fund 1 Pension Equity Fund 2 Pension Gilt Fund 1 Pension Gilt Fund 1
NAV 6.8055 10.6307 13.7244 11.1333 9.9335 13.4553 17.9664 13.4553 17.9664 12.6724 12.6724 17.9664 13.4661 9.7626 12.0039 12.1452 12.1452 13.8852 7.0157 10.2614 13.4252 12.3591 11.6938 17.9409 9.2550 11.6292 15.4022 6.6831 10.7233 12.9142 11.1407 17.9409 9.2550 11.6292 15.4022 6.6831 10.7233 12.9142 11.1407 17.9409 9.2550 11.6292 15.4022 6.6831 10.7233 12.9142 11.1407 13.4661 9.7626 12.0039 12.1452 12.1452 7.0157 10.2614 13.4252 12.3591 17.9664 13.5551 9.2550 11.6292 12.1026 12.1026
Product Details
SFIN ULIF02101/03/08PINFRAST01121 ULIF02201/03/08PMIDCAPF01121 ULIF05201/01/10PMONMRKT02121 ULIF03504/12/08PPUEQUTY01121 ULIF00128/07/04LBALANCE01121 ULIF02410/06/08LENERGYF01121 ULIF02510/06/08LEQUITYF02121 ULIF00428/07/04LGROWTHF01121 ULIF02710/06/08LINFRAST01121 ULIF02810/06/08LMIDCAPF01121 ULIF02910/06/08LMONMRKT01121 ULIF03010/06/08LPUEQUTY01121 ULIF00128/07/04LBALANCE01121 ULIF02310/06/08LCORBOND01121 ULIF02410/06/08LENERGYF01121 ULIF02510/06/08LEQUITYF02121 ULIF02610/06/08LGILTFUN01121 ULIF02610/06/08LGILTFUN01121 ULIF02710/06/08LINFRAST01121 ULIF02810/06/08LMIDCAPF01121 ULIF02910/06/08LMONMRKT01121 ULIF03010/06/08LPUEQUTY01121 ULIF00128/07/04LBALANCE01121 ULIF02310/06/08LCORBOND01121 ULIF02410/06/08LENERGYF01121 ULIF02510/06/08LEQUITYF02121 ULIF02610/06/08LGILTFUN01121 ULIF02610/06/08LGILTFUN01121 ULIF02710/06/08LINFRAST01121 ULIF02810/06/08LMIDCAPF01121 ULIF02910/06/08LMONMRKT01121 ULIF03010/06/08LPUEQUTY01121 ULIF00128/07/04LBALANCE01121 ULIF00128/07/04LBALANCE01121 ULIF00128/07/04LBALANCE01121 ULIF02410/06/08LENERGYF01121 ULIF02410/06/08LENERGYF01121 ULIF02510/06/08LEQUITYF02121 ULIF02510/06/08LEQUITYF02121 ULIF01102/11/07LGROWTHF02121 ULIF01102/11/07LGROWTHF02121 ULIF02710/06/08LINFRAST01121 ULIF02710/06/08LINFRAST01121 ULIF02810/06/08LMIDCAPF01121 ULIF02810/06/08LMIDCAPF01121 ULIF00909/04/07LPURDEBT01121 ULIF03010/06/08LPUEQUTY01121 ULIF03010/06/08LPUEQUTY01121 ULIF03010/06/08LPUEQUTY01121 ULIF04020/08/09LCORBOND02121 ULIF04020/08/09LCORBOND02121 ULIF02410/06/08LENERGYF01121 ULIF02410/06/08LENERGYF01121 ULIF02510/06/08LEQUITYF02121 ULIF02510/06/08LEQUITYF02121 ULIF03819/03/09LGILTFUN02121 ULIF03819/03/09LGILTFUN02121 ULIF02710/06/08LINFRAST01121 ULIF02710/06/08LINFRAST01121 ULIF02810/06/08LMIDCAPF01121 ULIF02810/06/08LMIDCAPF01121 ULIF03919/03/09LMONMRKT02121
Plan Name Reliance Total Investment Plan Series II Reliance Total Investment Plan Series II Reliance Total Investment Plan Series II Reliance Total Investment Plan Series II Reliance Super Market Return Plan Reliance Super Market Return Plan Reliance Super Market Return Plan Reliance Super Market Return Plan Reliance Super Market Return Plan Reliance Super Market Return Plan Reliance Super Market Return Plan Reliance Super Market Return Plan Reliance Super Market Return Plan Reliance Super InvestAssure Plus Plan Reliance Super InvestAssure Plus Plan Reliance Super InvestAssure Plus Plan Reliance Super InvestAssure Plus Plan Reliance Super InvestAssure Plus Plan Reliance Super InvestAssure Plus Plan Reliance Super InvestAssure Plus Plan Reliance Super InvestAssure Plus Plan Reliance Super InvestAssure Plus Plan Reliance Super InvestAssure Plus Plan Reliance Super InvestAssure Plan Reliance Super InvestAssure Plan Reliance Super InvestAssure Plan Reliance Super InvestAssure Plan Reliance Super InvestAssure Plan Reliance Super InvestAssure Plan Reliance Super InvestAssure Plan Reliance Super InvestAssure Plan Reliance Super InvestAssure Plan Reliance Super InvestAssure Plan Reliance Secure Child Plan Reliance Secure Child Plan Reliance Secure Child Plan Reliance Secure Child Plan Reliance Secure Child Plan Reliance Secure Child Plan Reliance Secure Child Plan Reliance Secure Child Plan Reliance Secure Child Plan Reliance Secure Child Plan Reliance Secure Child Plan Reliance Secure Child Plan Reliance Secure Child Plan Reliance Secure Child Plan Reliance Secure Child Plan Reliance Imaan Investment Plan Reliance Premier Life Reliance Premier Life Reliance Premier Life Reliance Premier Life Reliance Premier Life Reliance Premier Life Reliance Premier Life Reliance Premier Life Reliance Premier Life Reliance Premier Life Reliance Premier Life Reliance Premier Life Reliance Premier Life
Pension Pension Pension Pension
Fund Name Pension Infrastructure Fund 1 Pension Midcap Fund 1 Pension Money Market Fund 2 Pension Pure Equity Fund 1 Life Balanced Fund 1 Life Energy Fund 1 Life Equity Fund 2 Life Growth Fund 1 Life Infrastructure Fund 1 Life Midcap Fund 1 Life Money Market Fund 1 Life Pure Equity Fund 1 Life Balanced Fund 1 Life Corporate Bond Fund 1 Life Energy Fund 1 Life Equity Fund 2 Life Gilt Fund 1 Life Gilt Fund 1 Life Infrastructure Fund 1 Life Midcap Fund 1 Life Money Market Fund 1 Life Pure Equity Fund 1 Life Balanced Fund 1 Life Corporate Bond Fund 1 Life Energy Fund 1 Life Equity Fund 2 Life Gilt Fund 1 Life Gilt Fund 1 Life Infrastructure Fund 1 Life Midcap Fund 1 Life Money Market Fund 1 Life Pure Equity Fund 1 Life Balanced Fund 1 Life Balanced Fund 1 Life Balanced Fund 1 Life Energy Fund 1 Life Energy Fund 1 Life Equity Fund 2 Life Equity Fund 2 Life Growth Fund 2 Life Growth Fund 2 Life Infrastructure Fund 1 Life Infrastructure Fund 1 Life Midcap Fund 1 Life Midcap Fund 1 Life Pure Debt Fund 1 Life Pure Equity Fund 1 Life Pure Equity Fund 1 Life Pure Equity Fund 1 Life Corporate Bond Fund 2 Life Corporate Bond Fund 2 Life Energy Fund 1 Life Energy Fund 1 Life Equity Fund 2 Life Equity Fund 2 Life Gilt Fund 2 Life Gilt Fund 2 Life Infrastructure Fund 1 Life Infrastructure Fund 1 Life Midcap Fund 1 Life Midcap Fund 1 Life Money Market Fund 2
NAV 6.6831 10.7233 11.7590 11.1407 17.9664 9.7626 12.0039 19.2917 7.0157 10.2614 13.4252 12.3591 17.9664 13.4661 9.7626 12.0039 12.1452 12.1452 7.0157 10.2614 13.4252 12.3591 17.9664 13.4661 9.7626 12.0039 12.1452 12.1452 7.0157 10.2614 13.4252 12.3591 17.9664 17.9664 17.9664 9.7626 9.7626 12.0039 12.0039 11.4218 11.4218 7.0157 7.0157 10.2614 10.2614 14.4062 12.3591 12.3591 12.3591 13.0464 13.0464 9.7626 9.7626 12.0039 12.0039 11.6334 11.6334 7.0157 7.0157 10.2614 10.2614 12.9443
Product Details
SFIN ULIF03919/03/09LMONMRKT02121 ULIF03010/06/08LPUEQUTY01121 ULIF03010/06/08LPUEQUTY01121 ULIF02410/06/08LENERGYF01121 ULIF02410/06/08LENERGYF01121 ULIF02510/06/08LEQUITYF02121 ULIF02510/06/08LEQUITYF02121 ULIF03819/03/09LGILTFUN02121 ULIF03819/03/09LGILTFUN02121 ULIF02710/06/08LINFRAST01121 ULIF02710/06/08LINFRAST01121 ULIF03919/03/09LMONMRKT02121 ULIF03919/03/09LMONMRKT02121 ULIF03010/06/08LPUEQUTY01121 ULIF03010/06/08LPUEQUTY01121 ULIF02810/06/08LMIDCAPF01121 ULIF04020/08/09LCORBOND02121 ULIF04801/01/10PBALANCE02121 ULIF05001/01/10PGROWTHF02121 ULIF05201/01/10PMONMRKT02121 ULIF04901/01/10PEQUITYF03121 ULIF05301/01/10PPUEQUTY02121 ULIF06601/01/10PINFRAST02121 ULIF05101/01/10PMIDCAPF02121 ULIF06501/01/10PENRGYYF02121 ULIF04801/01/10PBALANCE02121 ULIF05001/01/10PGROWTHF02121 ULIF05201/01/10PMONMRKT02121 ULIF04901/01/10PEQUITYF03121 ULIF05301/01/10PPUEQUTY02121 ULIF06601/01/10PINFRAST02121 ULIF05101/01/10PMIDCAPF02121 ULIF06501/01/10PENRGYYF02121 ULIF04701/01/10LSPRGRWT02121 ULIF04301/01/10LGRWTPLS02121 ULIF00128/07/04LBALANCE01121 ULIF02910/06/08LMONMRKT01121 ULIF02910/06/08LMONMRKT01121 ULIF02610/06/08LGILTFUN01121 ULIF02310/06/08LCORBOND01121 ULIF04201/01/10LEQUITYF03121 ULIF04601/01/10LPUEQUTY02121 ULIF04401/01/10LINFRAST02121 ULIF04101/01/10LENERGYF02121 ULIF04501/01/10LMIDCAPF02121 ULIF04701/01/10LSPRGRWT02121 ULIF04301/01/10LGRWTPLS02121 ULIF00128/07/04LBALANCE01121 ULIF02910/06/08LMONMRKT01121 ULIF02910/06/08LMONMRKT01121 ULIF02610/06/08LGILTFUN01121 ULIF02310/06/08LCORBOND01121 ULIF04201/01/10LEQUITYF03121 ULIF04601/01/10LPUEQUTY02121 ULIF04401/01/10LINFRAST02121 ULIF04101/01/10LENERGYF02121 ULIF04501/01/10LMIDCAPF02121 ULIF00128/07/04LBALANCE01121 ULIF01102/11/07LGROWTHF02121 ULIF02910/06/08LMONMRKT01121 ULIF04201/01/10LEQUITYF03121 ULIF04601/01/10LPUEQUTY02121
Plan Name Reliance Premier Life Reliance Premier Life Reliance Premier Life Reliance Savings Linked Insurance Plan Reliance Savings Linked Insurance Plan Reliance Savings Linked Insurance Plan Reliance Savings Linked Insurance Plan Reliance Savings Linked Insurance Plan Reliance Savings Linked Insurance Plan Reliance Savings Linked Insurance Plan Reliance Savings Linked Insurance Plan Reliance Savings Linked Insurance Plan Reliance Savings Linked Insurance Plan Reliance Savings Linked Insurance Plan Reliance Savings Linked Insurance Plan Reliance Savings Linked Insurance Plan Reliance Savings Linked Insurance Plan Reliance Life Super Golden Years Basic Plan Reliance Life Super Golden Years Basic Plan Reliance Life Super Golden Years Basic Plan Reliance Life Super Golden Years Basic Plan Reliance Life Super Golden Years Basic Plan Reliance Life Super Golden Years Basic Plan Reliance Life Super Golden Years Basic Plan Reliance Life Super Golden Years Basic Plan Reliance Life Super Golden Years Term 10 Plan Reliance Life Super Golden Years Term 10 Plan Reliance Life Super Golden Years Term 10 Plan Reliance Life Super Golden Years Term 10 Plan Reliance Life Super Golden Years Term 10 Plan Reliance Life Super Golden Years Term 10 Plan Reliance Life Super Golden Years Term 10 Plan Reliance Life Super Golden Years Term 10 Plan Reliance Super Automatic Investment Basic Plan Reliance Super Automatic Investment Basic Plan Reliance Super Automatic Investment Basic Plan Reliance Super Automatic Investment Basic Plan Reliance Super Automatic Investment Basic Plan Reliance Super Automatic Investment Basic Plan Reliance Super Automatic Investment Basic Plan Reliance Super Automatic Investment Basic Plan Reliance Super Automatic Investment Basic Plan Reliance Super Automatic Investment Basic Plan Reliance Super Automatic Investment Basic Plan Reliance Super Automatic Investment Basic Plan Reliance Super Automatic Investment Term 10 Plan Reliance Super Automatic Investment Term 10 Plan Reliance Super Automatic Investment Term 10 Plan Reliance Super Automatic Investment Term 10 Plan Reliance Super Automatic Investment Term 10 Plan Reliance Super Automatic Investment Term 10 Plan Reliance Super Automatic Investment Term 10 Plan Reliance Super Automatic Investment Term 10 Plan Reliance Super Automatic Investment Term 10 Plan Reliance Super Automatic Investment Term 10 Plan Reliance Super Automatic Investment Term 10 Plan Reliance Super Automatic Investment Term 10 Plan Reliance Super Market Return Basic Plan Reliance Super Market Return Basic Plan Reliance Super Market Return Basic Plan Reliance Super Market Return Basic Plan Reliance Super Market Return Basic Plan
Fund Name Life Money Market Fund 2 Life Pure Equity Fund 1 Life Pure Equity Fund 1 Life Energy Fund 1 Life Energy Fund 1 Life Equity Fund 2 Life Equity Fund 2 Life Gilt Fund 2 Life Gilt Fund 2 Life Infrastructure Fund 1 Life Infrastructure Fund 1 Life Money Market Fund 2 Life Money Market Fund 2 Life Pure Equity Fund 1 Life Pure Equity Fund 1 Life Midcap Fund 1 Life Corporate Bond Fund 2 Pension Balanced Fund 2 Pension Growth Fund 2 Pension Money Market Fund 2 Pension Equity Fund 3 Pension Pure Equity Fund 2 Pension Infrastructure Fund 2 Pension Midcap Fund 2 Pension Energy Fund 2 Pension Balanced Fund 2 Pension Growth Fund 2 Pension Money Market Fund 2 Pension Equity Fund 3 Pension Pure Equity Fund 2 Pension Infrastructure Fund 2 Pension Midcap Fund 2 Pension Energy Fund 2 Life Super Growth Fund 2 Life Growth Plus Fund 2 Life Balanced Fund 1 Life Money Market Fund 1 Life Money Market Fund 1 Life Gilt Fund 1 Life Corporate Bond Fund 1 Life Equity Fund 3 Life Pure Equity Fund 2 Life Infrastructure Fund 2 Life Energy Fund 2 Life Midcap Fund 2 Life Super Growth Fund 2 Life Growth Plus Fund 2 Life Balanced Fund 1 Life Money Market Fund 1 Life Money Market Fund 1 Life Gilt Fund 1 Life Corporate Bond Fund 1 Life Equity Fund 3 Life Pure Equity Fund 2 Life Infrastructure Fund 2 Life Energy Fund 2 Life Midcap Fund 2 Life Balanced Fund 1 Life Growth Fund 2 Life Money Market Fund 1 Life Equity Fund 3 Life Pure Equity Fund 2
NAV 12.9443 12.3591 12.3591 9.7626 9.7626 12.0039 12.0039 11.6334 11.6334 7.0157 7.0157 12.9443 12.9443 12.3591 12.3591 10.2614 13.0464 11.1623 10.8010 11.7590 10.1674 9.5075 7.1844 9.1582 8.3010 11.1623 10.8010 11.7590 10.1674 9.5075 7.1844 9.1582 8.3010 10.2573 10.8191 17.9664 13.4252 13.4252 12.1452 13.4661 10.1647 9.4721 7.1789 8.2875 9.1469 10.2573 10.8191 17.9664 13.4252 13.4252 12.1452 13.4661 10.1647 9.4721 7.1789 8.2875 9.1469 17.9664 11.4218 13.4252 10.1647 9.4721
Product Details
SFIN ULIF04401/01/10LINFRAST02121 ULIF04501/01/10LMIDCAPF02121 ULIF04101/01/10LENERGYF02121 ULIF00128/07/04LBALANCE01121 ULIF00128/07/04LBALANCE01121 ULIF01102/11/07LGROWTHF02121 ULIF02910/06/08LMONMRKT01121 ULIF04201/01/10LEQUITYF03121 ULIF04601/01/10LPUEQUTY02121 ULIF04401/01/10LINFRAST02121 ULIF04501/01/10LMIDCAPF02121 ULIF04101/01/10LENERGYF02121 ULIF00128/07/04LBALANCE01121 ULIF04801/01/10PBALANCE02121 ULIF05001/01/10PGROWTHF02121 ULIF05201/01/10PMONMRKT02121 ULIF04901/01/10PEQUITYF03121 ULIF05301/01/10PPUEQUTY02121 ULIF06601/01/10PINFRAST02121 ULIF05101/01/10PMIDCAPF02121 ULIF06501/01/10PENRGYYF02121 ULIF04801/01/10PBALANCE02121 ULIF05001/01/10PGROWTHF02121 ULIF05201/01/10PMONMRKT02121 ULIF04901/01/10PEQUITYF03121 ULIF05301/01/10PPUEQUTY02121 ULIF06601/01/10PINFRAST02121 ULIF05101/01/10PMIDCAPF02121 ULIF06501/01/10PENRGYYF02121 ULIF04801/01/10PBALANCE02121 ULIF05001/01/10PGROWTHF02121 ULIF05201/01/10PMONMRKT02121 ULIF04901/01/10PEQUITYF03121 ULIF05301/01/10PPUEQUTY02121 ULIF06601/01/10PINFRAST02121 ULIF05101/01/10PMIDCAPF02121 ULIF06501/01/10PENRGYYF02121 ULIF04801/01/10PBALANCE02121 ULIF05001/01/10PGROWTHF02121 ULIF05201/01/10PMONMRKT02121 ULIF04901/01/10PEQUITYF03121 ULIF05301/01/10PPUEQUTY02121 ULIF06601/01/10PINFRAST02121 ULIF05101/01/10PMIDCAPF02121 ULIF06501/01/10PENRGYYF02121 ULIF02310/06/08LCORBOND01121 ULIF02910/06/08LMONMRKT01121 ULIF02910/06/08LMONMRKT01121 ULIF02610/06/08LGILTFUN01121 ULIF04201/01/10LEQUITYF03121 ULIF02510/06/08LEQUITYF02121 ULIF04401/01/10LINFRAST02121 ULIF04101/01/10LENERGYF02121 ULIF04501/01/10LMIDCAPF02121 ULIF04601/01/10LPUEQUTY02121 ULIF00128/07/04LBALANCE01121 ULIF02310/06/08LCORBOND01121 ULIF02910/06/08LMONMRKT01121 ULIF02910/06/08LMONMRKT01121 ULIF02610/06/08LGILTFUN01121 ULIF04201/01/10LEQUITYF03121 ULIF04401/01/10LINFRAST02121
Plan Name Reliance Super Market Return Basic Plan Reliance Super Market Return Basic Plan Reliance Super Market Return Basic Plan Reliance Super Market Return Basic Plan Reliance Super Market Return Term 10 Plan Reliance Super Market Return Term 10 Plan Reliance Super Market Return Term 10 Plan Reliance Super Market Return Term 10 Plan Reliance Super Market Return Term 10 Plan Reliance Super Market Return Term 10 Plan Reliance Super Market Return Term 10 Plan Reliance Super Market Return Term 10 Plan Reliance Super Market Return Term 10 Plan Reliance Life Super Golden Years Plus Basic Plan Reliance Life Super Golden Years Plus Basic Plan Reliance Life Super Golden Years Plus Basic Plan Reliance Life Super Golden Years Plus Basic Plan Reliance Life Super Golden Years Plus Basic Plan Reliance Life Super Golden Years Plus Basic Plan Reliance Life Super Golden Years Plus Basic Plan Reliance Life Super Golden Years Plus Basic Plan Reliance Life Super Golden Years Plus Term 10 Plan Reliance Life Super Golden Years Plus Term 10 Plan Reliance Life Super Golden Years Plus Term 10 Plan Reliance Life Super Golden Years Plus Term 10 Plan Reliance Life Super Golden Years Plus Term 10 Plan Reliance Life Super Golden Years Plus Term 10 Plan Reliance Life Super Golden Years Plus Term 10 Plan Reliance Life Super Golden Years Plus Term 10 Plan Reliance Life Super Golden Years Value Basic Plan Reliance Life Super Golden Years Value Basic Plan Reliance Life Super Golden Years Value Basic Plan Reliance Life Super Golden Years Value Basic Plan Reliance Life Super Golden Years Value Basic Plan Reliance Life Super Golden Years Value Basic Plan Reliance Life Super Golden Years Value Basic Plan Reliance Life Super Golden Years Value Basic Plan Reliance Life Super Golden Years Value Term 10 Plan Reliance Life Super Golden Years Value Term 10 Plan Reliance Life Super Golden Years Value Term 10 Plan Reliance Life Super Golden Years Value Term 10 Plan Reliance Life Super Golden Years Value Term 10 Plan Reliance Life Super Golden Years Value Term 10 Plan Reliance Life Super Golden Years Value Term 10 Plan Reliance Life Super Golden Years Value Term 10 Plan Reliance Life Super InvestAssure Basic Plan Reliance Life Super InvestAssure Basic Plan Reliance Life Super InvestAssure Basic Plan Reliance Life Super InvestAssure Basic Plan Reliance Life Super InvestAssure Basic Plan Reliance Life Super InvestAssure Basic Plan Reliance Life Super InvestAssure Basic Plan Reliance Life Super InvestAssure Basic Plan Reliance Life Super InvestAssure Basic Plan Reliance Life Super InvestAssure Basic Plan Reliance Life Super InvestAssure Basic Plan Reliance Life Super InvestAssure Plus Basic Plan Reliance Life Super InvestAssure Plus Basic Plan Reliance Life Super InvestAssure Plus Basic Plan Reliance Life Super InvestAssure Plus Basic Plan Reliance Life Super InvestAssure Plus Basic Plan Reliance Life Super InvestAssure Plus Basic Plan
Fund Name Life Infrastructure Fund 2 Life Midcap Fund 2 Life Energy Fund 2 Life Balanced Fund 1 Life Balanced Fund 1 Life Growth Fund 2 Life Money Market Fund 1 Life Equity Fund 3 Life Pure Equity Fund 2 Life Infrastructure Fund 2 Life Midcap Fund 2 Life Energy Fund 2 Life Balanced Fund 1 Pension Balanced Fund 2 Pension Growth Fund 2 Pension Money Market Fund 2 Pension Equity Fund 3 Pension Pure Equity Fund 2 Pension Infrastructure Fund 2 Pension Midcap Fund 2 Pension Energy Fund 2 Pension Balanced Fund 2 Pension Growth Fund 2 Pension Money Market Fund 2 Pension Equity Fund 3 Pension Pure Equity Fund 2 Pension Infrastructure Fund 2 Pension Midcap Fund 2 Pension Energy Fund 2 Pension Balanced Fund 2 Pension Growth Fund 2 Pension Money Market Fund 2 Pension Equity Fund 3 Pension Pure Equity Fund 2 Pension Infrastructure Fund 2 Pension Midcap Fund 2 Pension Energy Fund 2 Pension Balanced Fund 2 Pension Growth Fund 2 Pension Money Market Fund 2 Pension Equity Fund 3 Pension Pure Equity Fund 2 Pension Infrastructure Fund 2 Pension Midcap Fund 2 Pension Energy Fund 2 Life Corporate Bond Fund 1 Life Money Market Fund 1 Life Money Market Fund 1 Life Gilt Fund 1 Life Equity Fund 3 Life Equity Fund 2 Life Infrastructure Fund 2 Life Energy Fund 2 Life Midcap Fund 2 Life Pure Equity Fund 2 Life Balanced Fund 1 Life Corporate Bond Fund 1 Life Money Market Fund 1 Life Money Market Fund 1 Life Gilt Fund 1 Life Equity Fund 3 Life Infrastructure Fund 2
NAV 7.1789 9.1469 8.2875 17.9664 17.9664 11.4218 13.4252 10.1647 9.4721 7.1789 9.1469 8.2875 17.9664 11.1623 10.8010 11.7590 10.1674 9.5075 7.1844 9.1582 8.3010 11.1623 10.8010 11.7590 10.1674 9.5075 7.1844 9.1582 8.3010 11.1623 10.8010 11.7590 10.1674 9.5075 7.1844 9.1582 8.3010 11.1623 10.8010 11.7590 10.1674 9.5075 7.1844 9.1582 8.3010 13.4661 13.4252 13.4252 12.1452 10.1647 12.0039 7.1789 8.2875 9.1469 9.4721 17.9664 13.4661 13.4252 13.4252 12.1452 10.1647 7.1789
Product Details
SFIN ULIF04101/01/10LENERGYF02121 ULIF04501/01/10LMIDCAPF02121 ULIF04601/01/10LPUEQUTY02121 ULIF00128/07/04LBALANCE01121 ULIF02310/06/08LCORBOND01121 ULIF02910/06/08LMONMRKT01121 ULIF02910/06/08LMONMRKT01121 ULIF02610/06/08LGILTFUN01121 ULIF04201/01/10LEQUITYF03121 ULIF04401/01/10LINFRAST02121 ULIF04101/01/10LENERGYF02121 ULIF04501/01/10LMIDCAPF02121 ULIF04601/01/10LPUEQUTY02121 ULIF00128/07/04LBALANCE01121 ULIF04601/01/10LPUEQUTY02121 ULIF04601/01/10LPUEQUTY02121 ULIF02310/06/08LCORBOND01121 ULIF02910/06/08LMONMRKT01121 ULIF02610/06/08LGILTFUN01121 ULIF04201/01/10LEQUITYF03121 ULIF04401/01/10LINFRAST02121 ULIF04101/01/10LENERGYF02121 ULIF04501/01/10LMIDCAPF02121 ULIF04601/01/10LPUEQUTY02121 ULIF02310/06/08LCORBOND01121 ULIF02910/06/08LMONMRKT01121 ULIF02610/06/08LGILTFUN01121 ULIF04201/01/10LEQUITYF03121 ULIF04401/01/10LINFRAST02121 ULIF04101/01/10LENERGYF02121 ULIF04501/01/10LMIDCAPF02121 ULIF04601/01/10LPUEQUTY02121 ULIF02310/06/08LCORBOND01121 ULIF02910/06/08LMONMRKT01121 ULIF02910/06/08LMONMRKT01121 ULIF02610/06/08LGILTFUN01121 ULIF04201/01/10LEQUITYF03121 ULIF04401/01/10LINFRAST02121 ULIF04101/01/10LENERGYF02121 ULIF04501/01/10LMIDCAPF02121 ULIF00128/07/04LBALANCE01121 ULIF04601/01/10LPUEQUTY02121 ULIF01901/03/08PCORBOND01121 ULIF05201/01/10PMONMRKT02121 ULIF05201/01/10PMONMRKT02121 ULIF06401/03/08PGILTFUN01121 ULIF04901/01/10PEQUITYF03121 ULIF06601/01/10PINFRAST02121 ULIF06501/01/10PENRGYYF02121 ULIF05101/01/10PMIDCAPF02121 ULIF05301/01/10PPUEQUTY02121 ULIF06301/02/08HCORBOND01121 ULIF01501/02/08HMONMRKT01121 ULIF01501/02/08HMONMRKT01121 ULIF01301/02/08HGILTFUN01121 ULIF05411/01/10HEQUITYF02121 ULIF06101/02/08HINFRAST01121 ULIF06001/02/08HENERGYF01121 ULIF06201/02/08HMIDCAPF01121 ULIF01601/02/08HPUEQUTY01121 ULIF01701/02/08HSPRGRWT01121 ULIF01401/02/08HGRWTPLS01121
Plan Name Reliance Life Reliance Life Reliance Life Reliance Life Reliance Life Reliance Life Reliance Life Reliance Life Reliance Life Reliance Life Reliance Life Reliance Life Reliance Life Reliance Life Reliance Life Reliance Life Reliance Life Reliance Life Reliance Life Reliance Life Reliance Life Reliance Life Reliance Life Reliance Life Reliance Life Reliance Life Reliance Life Reliance Life Reliance Life Reliance Life Reliance Life Reliance Life Reliance Life Reliance Life Reliance Life Reliance Life Reliance Life Reliance Life Reliance Life Reliance Life Reliance Life Reliance Life Reliance Life Reliance Life Reliance Life Reliance Life Reliance Life Reliance Life Reliance Life Reliance Life Reliance Life Reliance Life Reliance Life Reliance Life Reliance Life Reliance Life Reliance Life Reliance Life Reliance Life Reliance Life Reliance Life Reliance Life
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Fund Name Life Energy Fund 2 Life Midcap Fund 2 Life Pure Equity Fund 2 Life Balanced Fund 1 Life Corporate Bond Fund 1 Life Money Market Fund 1 Life Money Market Fund 1 Life Gilt Fund 1 Life Equity Fund 3 Life Infrastructure Fund 2 Life Energy Fund 2 Life Midcap Fund 2 Life Pure Equity Fund 2 Life Balanced Fund 1 Life Pure Equity Fund 2 Life Pure Equity Fund 2 Life Corporate Bond Fund 1 Life Money Market Fund 1 Life Gilt Fund 1 Life Equity Fund 3 Life Infrastructure Fund 2 Life Energy Fund 2 Life Midcap Fund 2 Life Pure Equity Fund 2 Life Corporate Bond Fund 1 Life Money Market Fund 1 Life Gilt Fund 1 Life Equity Fund 3 Life Infrastructure Fund 2 Life Energy Fund 2 Life Midcap Fund 2 Life Pure Equity Fund 2 Life Corporate Bond Fund 1 Life Money Market Fund 1 Life Money Market Fund 1 Life Gilt Fund 1 Life Equity Fund 3 Life Infrastructure Fund 2 Life Energy Fund 2 Life Midcap Fund 2 Life Balanced Fund 1 Life Pure Equity Fund 2 Pension Corporate Bond Fund 1 Pension Money Market Fund 2 Pension Money Market Fund 2 Pension Gilt Fund 1 Pension Equity Fund 3 Pension Infrastructure Fund 2 Pension Energy Fund 2 Pension Midcap Fund 2 Pension Pure Equity Fund 2 Health Corporate Bond Fund 1 Health Money Market Fund 1 Health Money Market Fund 1 Health Gilt Fund 1 Health Equity Fund 2 Health Infrastructure Fund 1 Health Energy Fund 1 Health Midcap Fund 1 Health Pure Equity Fund 1 Health Super Growth Fund 1 Health Growth Plus Fund 1
NAV 8.2875 9.1469 9.4721 17.9664 13.4661 13.4252 13.4252 12.1452 10.1647 7.1789 8.2875 9.1469 9.4721 17.9664 9.4721 9.4721 13.4661 13.4252 12.1452 10.1647 7.1789 8.2875 9.1469 9.4721 13.4661 13.4252 12.1452 10.1647 7.1789 8.2875 9.1469 9.4721 13.4661 13.4252 13.4252 12.1452 10.1647 7.1789 8.2875 9.1469 17.9664 9.4721 13.5551 11.7590 11.7590 12.1026 10.1674 7.1844 8.3010 9.1582 9.5075 13.6564 13.7244 13.7244 12.2064 10.1881 6.8055 9.1138 10.6307 11.1333 9.9335 11.3567
Product Details
SFIN ULIF06301/02/08HCORBOND01121 ULIF01501/02/08HMONMRKT01121 ULIF01501/02/08HMONMRKT01121 ULIF01301/02/08HGILTFUN01121 ULIF05411/01/10HEQUITYF02121 ULIF06101/02/08HINFRAST01121 ULIF06001/02/08HENERGYF01121 ULIF06201/02/08HMIDCAPF01121 ULIF01601/02/08HPUEQUTY01121 ULIF01701/02/08HSPRGRWT01121 ULIF01401/02/08HGRWTPLS01121 ULIF00128/07/04LBALANCE01121 ULIF00128/07/04LBALANCE01121 ULIF01102/11/07LGROWTHF02121 ULIF01102/11/07LGROWTHF02121 ULIF00909/04/07LPURDEBT01121 ULIF04201/01/10LEQUITYF03121 ULIF04201/01/10LEQUITYF03121 ULIF04601/01/10LPUEQUTY02121 ULIF04601/01/10LPUEQUTY02121 ULIF04401/01/10LINFRAST02121 ULIF04401/01/10LINFRAST02121 ULIF04101/01/10LENERGYF02121 ULIF04101/01/10LENERGYF02121 ULIF04501/01/10LMIDCAPF02121 ULIF04501/01/10LMIDCAPF02121 ULIF00128/07/04LBALANCE01121 ULIF00128/07/04LBALANCE01121 ULIF01102/11/07LGROWTHF02121 ULIF01102/11/07LGROWTHF02121 ULIF00909/04/07LPURDEBT01121 ULIF04201/01/10LEQUITYF03121 ULIF04201/01/10LEQUITYF03121 ULIF04601/01/10LPUEQUTY02121 ULIF04601/01/10LPUEQUTY02121 ULIF04401/01/10LINFRAST02121 ULIF04401/01/10LINFRAST02121 ULIF04101/01/10LENERGYF02121 ULIF04101/01/10LENERGYF02121 ULIF04501/01/10LMIDCAPF02121 ULIF04501/01/10LMIDCAPF02121 ULIF01102/11/07LGROWTHF02121 ULIF04301/01/10LGRWTPLS02121 ULIF05511/01/10LHIGROWT02121 ULIF00909/04/07LPURDEBT01121 ULIF00128/07/04LBALANCE01121 ULIF01102/11/07LGROWTHF02121 ULIF04301/01/10LGRWTPLS02121 ULIF05511/01/10LHIGROWT02121 ULIF00909/04/07LPURDEBT01121 ULIF00128/07/04LBALANCE01121 ULIF04801/01/10PBALANCE02121 ULIF05001/01/10PGROWTHF02121 ULIF05201/01/10PMONMRKT02121 ULIF04901/01/10PEQUITYF03121 ULIF05301/01/10PPUEQUTY02121 ULIF06601/01/10PINFRAST02121 ULIF05101/01/10PMIDCAPF02121 ULIF06501/01/10PENRGYYF02121 ULIF05612/02/10LHNAVGUA01121 ULIF00128/07/04LBALANCE01121 ULIF05803/09/10LHNAVADV01121
Plan Name Reliance Life Insurance Wealth + Health Term 10 Plan Reliance Life Insurance Wealth + Health Term 10 Plan Reliance Life Insurance Wealth + Health Term 10 Plan Reliance Life Insurance Wealth + Health Term 10 Plan Reliance Life Insurance Wealth + Health Term 10 Plan Reliance Life Insurance Wealth + Health Term 10 Plan Reliance Life Insurance Wealth + Health Term 10 Plan Reliance Life Insurance Wealth + Health Term 10 Plan Reliance Life Insurance Wealth + Health Term 10 Plan Reliance Life Insurance Wealth + Health Term 10 Plan Reliance Life Insurance Wealth + Health Term 10 Plan Reliance Life Insurance Secure Child Basic Plan Reliance Life Insurance Secure Child Basic Plan Reliance Life Insurance Secure Child Basic Plan Reliance Life Insurance Secure Child Basic Plan Reliance Life Insurance Secure Child Basic Plan Reliance Life Insurance Secure Child Basic Plan Reliance Life Insurance Secure Child Basic Plan Reliance Life Insurance Secure Child Basic Plan Reliance Life Insurance Secure Child Basic Plan Reliance Life Insurance Secure Child Basic Plan Reliance Life Insurance Secure Child Basic Plan Reliance Life Insurance Secure Child Basic Plan Reliance Life Insurance Secure Child Basic Plan Reliance Life Insurance Secure Child Basic Plan Reliance Life Insurance Secure Child Basic Plan Reliance Life Insurance Secure Child Term 10 Plan Reliance Life Insurance Secure Child Term 10 Plan Reliance Life Insurance Secure Child Term 10 Plan Reliance Life Insurance Secure Child Term 10 Plan Reliance Life Insurance Secure Child Term 10 Plan Reliance Life Insurance Secure Child Term 10 Plan Reliance Life Insurance Secure Child Term 10 Plan Reliance Life Insurance Secure Child Term 10 Plan Reliance Life Insurance Secure Child Term 10 Plan Reliance Life Insurance Secure Child Term 10 Plan Reliance Life Insurance Secure Child Term 10 Plan Reliance Life Insurance Secure Child Term 10 Plan Reliance Life Insurance Secure Child Term 10 Plan Reliance Life Insurance Secure Child Term 10 Plan Reliance Life Insurance Secure Child Term 10 Plan Reliance Life Money Guarantee Basic Plan Reliance Life Money Guarantee Basic Plan Reliance Life Money Guarantee Basic Plan Reliance Life Money Guarantee Basic Plan Reliance Life Money Guarantee Basic Plan Reliance Life Money Guarantee Term 10 Plan Reliance Life Money Guarantee Term 10 Plan Reliance Life Money Guarantee Term 10 Plan Reliance Life Money Guarantee Term 10 Plan Reliance Life Money Guarantee Term 10 Plan Reliance Life Super Golden Years Senior Citizen Term 10 Reliance Life Super Golden Years Senior Citizen Term 10 Reliance Life Super Golden Years Senior Citizen Term 10 Reliance Life Super Golden Years Senior Citizen Term 10 Reliance Life Super Golden Years Senior Citizen Term 10 Reliance Life Super Golden Years Senior Citizen Term 10 Reliance Life Super Golden Years Senior Citizen Term 10 Reliance Life Super Golden Years Senior Citizen Term 10 Reliance Life Highest NAV Guarantee Plan Reliance Life Highest NAV Guarantee Plan Reliance Life Highest NAV Advantage Plan
Plan Plan Plan Plan Plan Plan Plan Plan
Fund Name Health Corporate Bond Fund 1 Health Money Market Fund 1 Health Money Market Fund 1 Health Gilt Fund 1 Health Equity Fund 2 Health Infrastructure Fund 1 Health Energy Fund 1 Health Midcap Fund 1 Health Pure Equity Fund 1 Health Super Growth Fund 1 Health Growth Plus Fund 1 Life Balanced Fund 1 Life Balanced Fund 1 Life Growth Fund 2 Life Growth Fund 2 Life Pure Debt Fund 1 Life Equity Fund 3 Life Equity Fund 3 Life Pure Equity Fund 2 Life Pure Equity Fund 2 Life Infrastructure Fund 2 Life Infrastructure Fund 2 Life Energy Fund 2 Life Energy Fund 2 Life Midcap Fund 2 Life Midcap Fund 2 Life Balanced Fund 1 Life Balanced Fund 1 Life Growth Fund 2 Life Growth Fund 2 Life Pure Debt Fund 1 Life Equity Fund 3 Life Equity Fund 3 Life Pure Equity Fund 2 Life Pure Equity Fund 2 Life Infrastructure Fund 2 Life Infrastructure Fund 2 Life Energy Fund 2 Life Energy Fund 2 Life Midcap Fund 2 Life Midcap Fund 2 Life Growth Fund 2 Life Growth Plus Fund 2 Life High Growth Fund 2 Life Pure Debt Fund 1 Life Balanced Fund 1 Life Growth Fund 2 Life Growth Plus Fund 2 Life High Growth Fund 2 Life Pure Debt Fund 1 Life Balanced Fund 1 Pension Balanced Fund 2 Pension Growth Fund 2 Pension Money Market Fund 2 Pension Equity Fund 3 Pension Pure Equity Fund 2 Pension Infrastructure Fund 2 Pension Midcap Fund 2 Pension Energy Fund 2 Life Highest NAV Guarantee Fund 1 Life Balanced Fund 1 Life Highest NAV Advantage Fund 1
NAV 13.6564 13.7244 13.7244 12.2064 10.1881 6.8055 9.1138 10.6307 11.1333 9.9335 11.3567 17.9664 17.9664 11.4218 11.4218 14.4062 10.1647 10.1647 9.4721 9.4721 7.1789 7.1789 8.2875 8.2875 9.1469 9.1469 17.9664 17.9664 11.4218 11.4218 14.4062 10.1647 10.1647 9.4721 9.4721 7.1789 7.1789 8.2875 8.2875 9.1469 9.1469 11.4218 10.8191 10.7900 14.4062 17.9664 11.4218 10.8191 10.7900 14.4062 17.9664 11.1623 10.8010 11.7590 10.1674 9.5075 7.1844 9.1582 8.3010 11.0845 17.9664 8.8712
Product Details
SFIN ULIF00128/07/04LBALANCE01121 ULIF05703/09/10DISCPOLF01121 ULIF05901/06/11LHNAVADV02121 ULIF05901/06/11LHNAVADV02121 ULIF05803/09/10LHNAVADV01121 ULIF02310/06/08LCORBOND01121 ULIF02310/06/08LCORBOND01121 ULIF02910/06/08LMONMRKT01121 ULIF02910/06/08LMONMRKT01121 ULIF02910/06/08LMONMRKT01121 ULIF00128/07/04LBALANCE01121 ULIF02610/06/08LGILTFUN01121 ULIF02610/06/08LGILTFUN01121 ULIF04201/01/10LEQUITYF03121 ULIF04201/01/10LEQUITYF03121 ULIF04401/01/10LINFRAST02121 ULIF04401/01/10LINFRAST02121 ULIF04101/01/10LENERGYF02121 ULIF04101/01/10LENERGYF02121 ULIF04501/01/10LMIDCAPF02121 ULIF04501/01/10LMIDCAPF02121 ULIF04601/01/10LPUEQUTY02121 ULIF04601/01/10LPUEQUTY02121 ULIF05703/09/10DISCPOLF01121 ULIF02310/06/08LCORBOND01121 ULIF02310/06/08LCORBOND01121 ULIF02910/06/08LMONMRKT01121 ULIF02910/06/08LMONMRKT01121 ULIF02910/06/08LMONMRKT01121 ULIF00128/07/04LBALANCE01121 ULIF02610/06/08LGILTFUN01121 ULIF02610/06/08LGILTFUN01121 ULIF04201/01/10LEQUITYF03121 ULIF04201/01/10LEQUITYF03121 ULIF04401/01/10LINFRAST02121 ULIF04401/01/10LINFRAST02121 ULIF04101/01/10LENERGYF02121 ULIF04101/01/10LENERGYF02121 ULIF04501/01/10LMIDCAPF02121 ULIF04501/01/10LMIDCAPF02121 ULIF04601/01/10LPUEQUTY02121 ULIF04601/01/10LPUEQUTY02121 ULIF05703/09/10DISCPOLF01121 ULIF02310/06/08LCORBOND01121 ULIF02310/06/08LCORBOND01121 ULIF02910/06/08LMONMRKT01121 ULIF02910/06/08LMONMRKT01121 ULIF02910/06/08LMONMRKT01121 ULIF00128/07/04LBALANCE01121 ULIF02610/06/08LGILTFUN01121 ULIF02610/06/08LGILTFUN01121 ULIF04201/01/10LEQUITYF03121 ULIF04201/01/10LEQUITYF03121 ULIF04401/01/10LINFRAST02121 ULIF04401/01/10LINFRAST02121 ULIF04101/01/10LENERGYF02121 ULIF04101/01/10LENERGYF02121 ULIF04501/01/10LMIDCAPF02121 ULIF04501/01/10LMIDCAPF02121 ULIF04601/01/10LPUEQUTY02121 ULIF04601/01/10LPUEQUTY02121 ULIF05703/09/10DISCPOLF01121 ULIF06720/12/11LASURMDEBT121
Plan Name Reliance Life Highest NAV Advantage Reliance Life Highest NAV Advantage Reliance Life Highest NAV Advantage Reliance Life Highest NAV Advantage Reliance Life Highest NAV Advantage Reliance Life Classic Plan Reliance Life Classic Plan Reliance Life Classic Plan Reliance Life Classic Plan Reliance Life Classic Plan Reliance Life Classic Plan Reliance Life Classic Plan Reliance Life Classic Plan Reliance Life Classic Plan Reliance Life Classic Plan Reliance Life Classic Plan Reliance Life Classic Plan Reliance Life Classic Plan Reliance Life Classic Plan Reliance Life Classic Plan Reliance Life Classic Plan Reliance Life Classic Plan Reliance Life Classic Plan Reliance Life Classic Plan Reliance Life Classic Plan - Limited Reliance Life Classic Plan - Limited Reliance Life Classic Plan - Limited Reliance Life Classic Plan - Limited Reliance Life Classic Plan - Limited Reliance Life Classic Plan - Limited Reliance Life Classic Plan - Limited Reliance Life Classic Plan - Limited Reliance Life Classic Plan - Limited Reliance Life Classic Plan - Limited Reliance Life Classic Plan - Limited Reliance Life Classic Plan - Limited Reliance Life Classic Plan - Limited Reliance Life Classic Plan - Limited Reliance Life Classic Plan - Limited Reliance Life Classic Plan - Limited Reliance Life Classic Plan - Limited Reliance Life Classic Plan - Limited Reliance Life Classic Plan - Limited Reliance Life insurance Pay Five Plan Reliance Life insurance Pay Five Plan Reliance Life insurance Pay Five Plan Reliance Life insurance Pay Five Plan Reliance Life insurance Pay Five Plan Reliance Life insurance Pay Five Plan Reliance Life insurance Pay Five Plan Reliance Life insurance Pay Five Plan Reliance Life insurance Pay Five Plan Reliance Life insurance Pay Five Plan Reliance Life insurance Pay Five Plan Reliance Life insurance Pay Five Plan Reliance Life insurance Pay Five Plan Reliance Life insurance Pay Five Plan Reliance Life insurance Pay Five Plan Reliance Life insurance Pay Five Plan Reliance Life insurance Pay Five Plan Reliance Life insurance Pay Five Plan Reliance Life insurance Pay Five Plan Reliance Assured Maturity Debt Fund
Plan Plan Plan Plan Plan
Fund Name NAV Life Balanced Fund 1 17.9664 Discontinued Policy Fund 10.8603 Life Highest NAV Advantage Fund 2 9.7629 Life Highest NAV Advantage Fund 2 9.7629 Life Highest NAV Advantage Fund 1 8.8712 Life Corporate Bond Fund 1 13.4661 Life Corporate Bond Fund 1 13.4661 Life Money Market Fund 1 13.4252 Life Money Market Fund 1 13.4252 Life Money Market Fund 1 13.4252 Life Balanced Fund 1 17.9664 Life Gilt Fund 1 12.1452 Life Gilt Fund 1 12.1452 Life Equity Fund 3 10.1647 Life Equity Fund 3 10.1647 Life Infrastructure Fund 2 7.1789 Life Infrastructure Fund 2 7.1789 Life Energy Fund 2 8.2875 Life Energy Fund 2 8.2875 Life Midcap Fund 2 9.1469 Life Midcap Fund 2 9.1469 Life Pure Equity Fund 2 9.4721 Life Pure Equity Fund 2 9.4721 Discontinued Policy Fund 10.8603 Life Corporate Bond Fund 1 13.4661 Life Corporate Bond Fund 1 13.4661 Life Money Market Fund 1 13.4252 Life Money Market Fund 1 13.4252 Life Money Market Fund 1 13.4252 Life Balanced Fund 1 17.9664 Life Gilt Fund 1 12.1452 Life Gilt Fund 1 12.1452 Life Equity Fund 3 10.1647 Life Equity Fund 3 10.1647 Life Infrastructure Fund 2 7.1789 Life Infrastructure Fund 2 7.1789 Life Energy Fund 2 8.2875 Life Energy Fund 2 8.2875 Life Midcap Fund 2 9.1469 Life Midcap Fund 2 9.1469 Life Pure Equity Fund 2 9.4721 Life Pure Equity Fund 2 9.4721 Discontinued Policy Fund 10.8603 Life Corporate Bond Fund 1 13.4661 Life Corporate Bond Fund 1 13.4661 Life Money Market Fund 1 13.4252 Life Money Market Fund 1 13.4252 Life Money Market Fund 1 13.4252 Life Balanced Fund 1 17.9664 Life Gilt Fund 1 12.1452 Life Gilt Fund 1 12.1452 Life Equity Fund 3 10.1647 Life Equity Fund 3 10.1647 Life Infrastructure Fund 2 7.1789 Life Infrastructure Fund 2 7.1789 Life Energy Fund 2 8.2875 Life Energy Fund 2 8.2875 Life Midcap Fund 2 9.1469 Life Midcap Fund 2 9.1469 Life Pure Equity Fund 2 9.4721 Life Pure Equity Fund 2 9.4721 Discontinued Policy Fund 10.8603 Assured Maturity Debt Fund 10.1239
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 fund 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
May 2012
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 Fund Insurance company Limited is a licensed life fund Insurance company registered with the Insurance Regulatory and Development Authority (Registration No: 121) in accordance with the provisions of the Insurance Act 1938.

TheAnalyst May2012

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TheAnalyst May2012

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the analyst

monthly fund factsheet for May 2012

monthly fund factsheet

% Change 3.33 2.02 0.07 1.76 5.42

52.70 163.10 294.60 104.87

50.95 159.80 294.40 103.02

FIIs (Rs Crs) Mfs (Rs Crs)

% Change -0.49 -0.90 -3.12 2.04

17318.81 17404.20 5248.15 7471.05 6764.62 5295.55 7711.40 6629.38

% Change 0.01 -0.53 2.62 -5.18

Dow Jones FTSE 100 Hang Seng Nikkei

13214 5738 21094 9561

13212 5768 20556 10084

% Change -5.83 -0.71 -6.17 0.66 -1.52 -6.21

2362.80 7503.30 9409.09 11828.63 7964.63 5704.31

2509.15 7557.20 10027.92 11751.18 8087.50 6081.87

Fixed Income Indicators (%)

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

8.79 8.40 8.38 8.09 8.55 8.67 9.38 9.65 1.91

8.61 8.93 8.62 8.20 8.55 8.54 9.52 9.83 2.21

Life Equity Fund 1

portfolio As on April 30, 2012

fund characteristics as on April 30, 2012 Fund Beta 0.96

fund risk profile

low to moderate moderate moderate to high

asset allocation as on April 30, 2012

total equity total money market instruments total net assets

94.24 5.76 100.00

target asset allocation

Life Equity Fund 2

portfolio As on April 30, 2012

fund characteristics as on April 30, 2012 Fund Beta 0.97

fund risk profile

low to moderate moderate moderate to high

asset allocation as on April 30, 2012

total equity total money market instruments total net assets

93.22 6.78 100.00

target asset allocation

Life Equity Fund 3

portfolio As on April 30, 2012

fund characteristics as on April 30, 2012 Fund Beta 0.97

fund risk profile

low to moderate moderate moderate to high

asset allocation as on April 30, 2012

total equity total money market instruments total net assets

86.66 13.34 100.00

target asset allocation

Pension Equity Fund 1

portfolio As on April 30, 2012

fund characteristics as on April 30, 2012 Fund Beta 0.96

fund risk profile

low to moderate moderate moderate to high

asset allocation as on April 30, 2012

total equity total money market instruments total net assets

93.40 6.60 100.00

target asset allocation

Pension Equity Fund 2

portfolio As on April 30, 2012

fund characteristics as on April 30, 2012 Fund Beta 0.97

fund risk profile

low to moderate moderate moderate to high

asset allocation as on April 30, 2012

total equity total money market instruments total net assets